NCL opposes effort to shutter ED and defund education 

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829

Last night, the Trump Administration began firing almost half of the U.S. Department of Education’s (ED) staff and kicked employees out of the DC office. President Trump and Education Secretary McMahon have made clear that this is only the beginning of their efforts to shut down ED entirely. With these most recent firings, ED is down to approximately 2,000 employees to handle a massive portfolio that includes administering billions of dollars in funding for rural and low-income public schools across the nation.

“The Education Department plays a critical role in our public education system despite being the smallest of the cabinet agencies,” said NCL Senior Public Policy Manager Eden Iscil. “Weakening—or eliminating—the Department serves no purpose other than to defund our schools, allow for greater discrimination in education, and eliminate oversight of the private companies we pay to manage trillions of dollars in student loans. Leaders in Congress and the states must stand up and support the agency.”

With its already strained resources, ED enforces civil rights law, distributes billions of dollars to rural and low-income schools, and oversees trillions of dollars in aid and loans for higher education. The agency’s funding makes up less than 3% of the federal budget.

ED’s resources disproportionately go to states that largely voted for Republicans over Democrats in the last election. Mississippi, South Dakota, and Arkansas have some of the highest dependency on federal funding for their public schools, while states like New York, New Jersey, and Connecticut rely the least on ED.

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About the National Consumers League (NCL)   

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

Trump administration shortens ACA enrollment, threatening healthcare for millions of consumers

 Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829      

Washington, DC – Millions of Americans would be affected by the Trump administration’s attempts to shorten the Affordable Care Act (ACA) open enrollment period and eliminate the monthly enrollment option for low-income families.   

By shortening the open enrollment window from 12 weeks to just 30 days, the proposal issued by the Centers for Medicare and Medicaid Services (CMS) would inevitably result in eligible individuals failing to enroll in coverage. The drastic reduction in time creates unnecessary barriers to enrollment for consumers, particularly those who need time to research their options, gather necessary documentation, contact brokers, or navigate the enrollment process. This is a direct attack on consumers’ access to healthcare, disproportionately affecting vulnerable populations, including low-income families, the elderly, and those with limited internet access or health literacy.  

In Trump’s first term, the administration cut outreach and public education funding and allowed short-term plans that offer subpar coverage, leading to a significant drop in ACA enrollment. This latest attempt will create further confusion and chaos for consumers seeking affordable healthcare options.     

Additionally, the CMS proposal to deny ACA coverage to immigrant “Dreamers”—young people brought to the U.S. illegally as children—raises further concerns. These individuals are hardworking, tax-paying contributors to the U.S. economy and should not be excluded from accessing healthcare plans. CMS also proposed limiting coverage for gender-affirming care starting in 2026.    

“This is a cruel and calculated attempt to roll back the ACA, undermine consumers, and restrict access to healthcare for millions,” said NCL CEO Sally Greenberg. “By shortening the enrollment period, the administration is making it harder for hardworking Americans to find the coverage they need. Denying Dreamers access to health care is unjust, shortsighted, and could put in danger the broader community. We are disappointed by this proposal as Mr. Trump has pledged not to harm Dreamers.”   

In December of 2024 President Trump discussed Dreamers during a “Meet the Press” interview: “We have to do something about the Dreamers because these are people that have been brought here at a very young age,’ If Dreamers have the right to stay in this country, as Mr. Trump says they should, it is essential they have the same health care options available as all other Americans.

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About the National Consumers League (NCL)      

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

“America first” shouldn’t put product safety last

By Daniel Greene, Senior Director of Consumer Protection & Product Safety Policy

Who wants “shock and awe” when plugging in an electronic device?  What parent wants a “chainsaw” to be taken to the institutions validating that toys are safe?  What senior wants to “dismantle” the safety net helping prevent falls and common injuries to the older Americans? 

The Trump Administration’s unprecedented assault on our bedrock federal institutions may undermine a key line of defense against dangerous products and household hazards: the Consumer Protection Safety Commission (CPSC).   

 The CPSC protects the public against unreasonable risks of injury or death from consumer products through education, safety standards, regulation, and enforcement. The agency is charged with regulating 15,000 types of consumer products.

During the Biden Administration, the CPSC finalized over fifty rules and standards, including banning crib bumpers and establishing standards for adult portable bed rails, mattress flammability, and infant sleep products.  In Fiscal Year 2024, the Commission actively facilitated the establishment of 26 voluntary safety standards and negotiated and implemented 333 recalls involving 41 million products. The CPSC submitted over 56,000 takedown requests to e-commerce platforms and sellers, resulting in more than 58,000 banned or previously recalled products being removed from such sites.  The agency conducted approximately 1,000 inspections, surveillance efforts, and recall effectiveness checks to ensure compliance with product safety law.   

In recent weeks, the Trump Administration has begun to execute an ambitious plan to reduce the size of government.  It’s curbed the authority of independent federal agencies like the CPSC, imposed spending freezes, and fired civil servants. Every federal agency is required to produce an Agency Reduction in Force and Reorganization Plan by March 13. Such plans must seek to achieve significant staff reductions, reduced budgets, and reduced real property footprint.

Efforts to dramatically reduce the CPSC’s resources, staff, and facilities could substantially diminish the Commission’s ability to carry out its mission: product safety.    

Product safety should be standard.  The norm, not the exception. Not a choice, but an expectation. 

After all, these are products we rely on – products we are in constant contact with, such as appliances, toys, furniture, electronics, clothing, and power tools. They’re in our living rooms, bedrooms, kitchens, and sheds.  They’re what we wear and where we sleep.  They’re used to cook and clean. They’re what our children play with.    

Safety cannot be assumed, however.  It must be established and maintained.  For in the product safety space, there is a dangerous safety paradox which may compel producers to put profits over people. 

Competitive pressures encourage producers to drive down prices by cutting corners and ignoring readily available safety features. After all, consumers are price sensitive. Twenty-five cents can make the difference between executing a sale and losing business to your competitor.   

Further, consumers assume that every product for sale is safe. They cannot readily identify risks associated with a particular product.  Consumers are completely at the mercy of representations made by the producers.  Consider this example.  Can we really expect the everyday furniture shopper to tell whether a dresser complies with tip-over standards?  Of course not.  Between 2013 and 2023, 217 deaths were attributed to furniture tip overs. Yet, it is nearly impossible to distinguish safe from unsafe furniture.  

In such an environment, safety can take a back seat to savings.   

Many manufacturers of table saws refuse to equip their devices with safety features that prevent or mitigate the severity of contact injuries. These manufacturers save a few hundred bucks per saw.  But nearly 50,000 consumers must seek medical treatment for table saw injuries each year, costing society $1.28 billion to $2.32 billion annually.  There are approximately 10 amputations a day that could be totally prevented with safe saw technology.   

Over one million crib bumpers were sold each year despite being attributed to 83 fatalities and 60 injuries. Manufacturers generated hundreds of thousands of dollars in revenue from selling these products.  

Many manufacturers failed to meet voluntary safety standards for adult portable bed rails, resulting in 310 fatalities between 2003 and 2021. They saved $5.40 per unit.  

It’s a perilous race to the bottom that poses a clear and present danger to the American people.   

Approximately 49,000 product-related deaths and 34 million product-related injuries occur each year. These are not just statistics. These are lives cut short.  Livelihoods ruined.  Maimed breadwinners.  Injured children.   

Falls, fires, poisoning, and suffocation remain persistently high, accounting for four out of five deaths. Everyday product categories – such as stairs, ramps, beds, pillows, chairs, exercise equipment, bathtubs, and bicycles – are frequently involved. The young and the elderly are particularly vulnerable.

Consumer product incidents account for $1 trillion in costs to society each year, for medical bills, emergency services, lost productivity, insurance, workplace loss, legal costs, and property damage.  

And, of course, there are some costs that simply cannot be captured in dollars and cents. Clearly, the cost of care and loss of income of an injured breadwinner is measurable in dollars, but we cannot measure the psychological loss of their role as a provider.  

Prudent government intervention is necessary to address the unacceptable risk posed by harmful consumer products. The CPSC provides that prudent government intervention.   

This small agency with a large mission has delivered.  CPSC standards and enforcement activities have helped spur a 43 percent decline in residential fires, a 47 percent decrease in fire deaths, and a 41 percent reduction in fire injuries. Child poisonings have decreased by 80 percent.  Bicycle injuries dropped by 35 percent. Deaths from refrigerator door entrapments and garage door incidents have been virtually eliminated. Crib deaths have plummeted by 80 percent. Injuries associated with baby walkers have been slashed by 88 percent. Pool and pool equipment injury rates have decreased by 55 percent.

The results are clear.  The CPSC saves lives.  It protects the health and safety of the American people and creates clear rules of the road for manufacturers, retailers, and distributors.  It ensures that safety is engrained in the design and manufacturing of each product.  It gives industry a safe space to pursue their profit motive while fulfilling their obligation to protect customers. And through product recalls and enforcement it establishes a level playing field that ends the race to the bottom.  Thus, we must preserve the CPSC and ensure the agency has the appropriate tools, resources, and personnel to carry out its lifesaving mission.   

NCL joins 300+ organizations to oppose the dismantling of the Consumer Financial Protection Bureau   

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829     

Washington, DC – Next week, the National Consumers League (NCL) will join hundreds of consumer advocates and constituents from 45 states to urge lawmakers to support a strong and independent Consumer Financial Protection Bureau (CFPB). Since its creation in 2011, the CFPB has recovered more than $21 billion for consumers who have been harmed by corporate greed and fraud. Cutting the CFPB would leave millions of hard-working Americans vulnerable to scams and other illegal conduct. 

Prior to the meetings, NCL also signed on to a letter urging Congress to restore a strong and independent CFPB and vote against any legislative attacks on the agency. During the meetings, known as Consumer Advocacy Week, constituents and consumer advocates will request legislators to oppose active efforts to undo key consumer protections, such as capping most bank overdraft fees at $5, removing medical debt from credit reports, and ensuring payment apps comply with the law.  

“The CFPB has been a lifeline for millions of consumers nationwide. In just a few years, the agency has punched far above its weight, returning billions of dollars to individuals harmed by the illegal conduct of banks, student loan servicers, and other bad actors,” said National Consumers League Senior Public Policy Manager Eden Iscil. “This coalition has brought hundreds of advocates from across the country to tell Congress to step up and protect the CFPB.”  

As the watchdog for consumers everywhere, the CFPB holds financial institutions accountable when they defraud and cheat people, and the agency has returned more than $21 billion to over 200 million people in the form of restitution or canceled debts. The CFPB has fiercely protected everyday Americans and their families against frauds, rip-offs, and market failures, and now it is our time to safeguard its existence.    

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About the National Consumers League (NCL)    

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

NCL urges lawmakers to protect oversight of payment apps  

 Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829  

Washington, DC – The National Consumers League (NCL) is calling on lawmakers to vote in favor of maintaining the Consumer Financial Protection Bureau’s (CFPB) larger participants rule, which establishes much-needed oversight of companies that offer services like digital wallets and payment apps—such as Zelle and Apple Pay—and ensures they are properly regulated. The rule protects consumers, making sure that all forms of payment, whether provided by traditional banks or nonbank companies, are secure and trustworthy.   

“Fraud continues to be a major financial burden on consumers, stealing an estimated $158 billion annually from American families,” said John Breyault, NCL’s Vice President of Public Policy, Telecommunications, and Fraud. “Unfortunately, Congress is considering weakening protections for digital wallets and payment apps—platforms that are often used to perpetrate fraud. While the current Administration talks about reducing fraud, its actions are instead shifting the financial burden onto hard-working Americans.”   

As more Americans use digital payment apps and wallets, complaints about fraud and unauthorized charges have skyrocketed. The CFPB’s rule will help strengthen consumer protections and ensure that these financial products adhere to privacy laws, ultimately safeguarding the public from emerging threats in the digital payment space.   

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About the National Consumers League (NCL)    

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.