LifeSmarts launches 2019-20 season with new scholarship, community service opportunities for teens

/in Consumer Education, Consumer literacy, Education, imported, LifeSmarts, Teens/by

September 18, 2019

Millions of student leaders have gained real-world knowledge through the program 

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC–Today marks the official launch of the 2019-2020 season of LifeSmarts, with a new competition going live at LifeSmarts.org. LifeSmarts, a program of the National Consumers League (NCL), is a national scholarship competition and educational program for middle-school and high-school students that tests knowledge of real-life consumer issues and is helping to create a future generation of consumer-savvy adults.

“We are very excited to launch this season of LifeSmarts,” said national Program Director Lisa Hertzberg. “For more than 25 years, LifeSmarts has given students the skills they need to succeed as adults. We’ve seen more than 1.5 million students gain knowledge, confidence, leadership capabilities, and team-building skills. The competition is fun, and the impact of LifeSmarts is life-long.”

LifeSmarts focuses on five main content areas:

  • consumer rights and responsibilities
  • personal finance
  • technology
  • health and safety
  • and the environment

Students are quizzed on their knowledge of these subject areas during online competition. Top-performing teams then advance to statewide competitions, and state champion teams as well as several wildcard teams advance to the national championship held each year in a different American city. The 2020 National LifeSmarts Championship will take place in the Washington, DC area April 25-28, 2020. Winning team members receive scholarships and other prizes.

Last year, students answered more than 3.5 million consumer questions about credit reports, recycling, nutrition, social media, state lemon laws, and everything in between. In April, the LifeSmarts state champion team from Barrington, Rhode Island, took home top honors at the 25th anniversary event in Orlando, Florida.

In addition to online, state, and national competitions, LifeSmarts recognition and awards occur throughout the program year:

  • Teams of students vie for cash prizes in the online TeamSmarts quiz, which focuses on a specific LifeSmarts content area each month from September through February.
  • Classroom mentor programs: Five $1,000 scholarships are awarded each winter to winning LifeSmarts students who become Safety Smart Ambassadors, using LifeSmarts content and UL’s Safety Smart modules to present safety messages to younger children in their communities.
  • Partnering with FBLA (Future Business Leaders of America), 4-H, and FCCLA (Family, Career, and Community Leaders of America), LifeSmarts complements these organizations’ projects, judging events, competitive events, and activities. LifeSmarts offers special opportunities for members of these student leadership organizations.
  • A new quest is open for middle school participants focusing on lithium ion button cell batteries and the risks and hazards they pose to young children. This team-building and leadership opportunity will culminate in a PSA contest among middle school LifeSmarts This project is sponsored by UL’s XPLORLABS, which helps students and teachers solve problems through science and engineering to become part of the movement to make the world a safer place.
  • Thanks to a long-standing partnership with Western Union, high school LifeSmarts participants have the opportunity to educate older citizens to avoid fraud. These LifeSmarts Fraud Ambassadors will highlight common advance-fee and fake check scams, demonstrating that education is the best protection against fraud.
  • A LifeSmarts student will win a $2,000 scholarship by writing the winning privacy essay in a contest sponsored by ITRC and CyberScout.

LifeSmarts is active in all states and the District of Columbia, where NCL is headquartered.

“We are proud of the impact LifeSmarts has made in its 25+ years of educating teens, and we are excited to continue to grow the LifeSmarts program, to educate students about financial literacy, and to create a new generation of savvy, market-ready consumers and workers,” said NCL Executive Director Sally Greenberg. “Too often traditional high school curriculum fails to teach students vital information that will be crucial once students go to college, get their first job, or move out of their parents’ house.”

In addition to hosting the official LifeSmarts competition, LifeSmarts.org provides resources for educators to supplement existing lesson plans. These include daily quizzes, educational videos, social media competitions, focused study guides, and scholarship opportunities. LifeSmarts lessons closely align with courses taught in family and consumer sciences, business, technology, health, and vocational education. Math and English teachers have also had success with LifeSmarts, as have homeschool and community educators.

Major LifeSmarts contributors include: Underwriters Laboratories (UL), Western Union, AARP, Comcast NBCUniversal, Sears Consumer Protection and Education Fund, American Express, Intuit, WSECU, CBM Credit Education Foundation, and a number of state and local sponsors.

Visit LifeSmarts.org for more information.

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About LifeSmarts

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: LifeSmarts.org, email lifesmarts@nclnet.org, or call the National Consumers League’s communications department at 202-835-3323.

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 statement in support of UAW Strike

/in Compensation / Wages, Labor, Labor policy/by

September 17, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League (NCL) has announced its support for the 48,000 United Auto Workers who have gone on strike this week to demand their share of the $12 billion profits GM earned last year. The strike also comes in protest of GM’s announcement that it–the largest of American automakers–would shutter four different U.S. plants.

“We stand with UAW members who are asking for what is only fair–a reasonable share of the enormous profits GM has enjoyed in the past year alone. The UAW loyally took a hit a decade ago to keep GM profitable and viable. Without the workers, there would be no cars and no profits. Ten years later, with GM back earning billions in profits, auto workers are entitled to enjoy this success and the fruits of their labor: better pay, profit sharing, and an end to GM’s bringing in temporary workers that reduce pay and benefits. Workers also deserve improved health care benefits,” said Sally Greenberg, the League’s executive director.

More than a decade ago when GM was facing bankruptcy, UAW members bore a significant portion of the sacrifices to bring the automaker back to financial health. At the time, the union agreed to a plan whereby General Motors hired many new workers at roughly half the pay of unionized members and greatly reduced their retirement benefits. Then GM brought in temporary workers with even fewer wage-and-benefit packages and little job security.

“GM has reduced its U.S. payrolls, announced it is closing four plants in the United States, and moved a number of others to Mexico–all of which has helped to restore GM to its current health and ability to earn billions in profits, at the sacrifice of its workers,” said Greenberg.

“NCL supports the 48,000 workers who are demanding what is theirs: a fair share in more than 50 GM plants and other locations across the Midwest and South,” said Greenberg. “We support these hardworking women and men and call on GM to sit down with the union and arrive at a contract that shares the benefits of GM’s current profits with its dedicated, hardworking employees.”

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About the National Consumers League

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 calls upon state legislators to protect their residents from dishonest automatically renewing contracts

/in Consumer policy, Consumer Protection, Fraud policy, Fraud Prevention, Personal finance, Technology, Telecommunications/by

August 12, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League (NCL), the nation’s pioneering consumers and worker advocacy organization, calls upon state legislatures across the country to take action to protect consumers from deceptive automatic renewal clauses.

While automatic renewal provisions in consumer contracts, also known as negative option clauses, are billed as helping consumers avoid service disruptions, they can result in financial hardship for consumers. Dishonest companies continue to place these clauses into the fine print of contracts to mask rate hikes, renew gym memberships, generate recurring deliveries, or cause other services to renew without a consumers’ knowledge or consent.

The following statement is attributable to Brian Young, NCL’s public policy manager:

At least 22 states have some protections from automatically renewing contracts; however media reports have shown that companies are now using the guise of a ‘free trial’ to secretly roll consumers into binding contracts, sometimes after as little as a few days. Such clauses can trap consumers in expensive and unwanted contract renewals.

NCL is calling upon each state legislature to review their laws and enact comprehensive legislation. Recently enacted legislation in the District of Columbia is a model bill which requires:

  • clear disclosure of all automatic renewal clauses;
  • a consumer’s affirmative consent for free trials to be rolled over into a contract at the end of a free trial period; and
  • notification by mail, email, or another method of the consumer’s choosing, to be sent to consumers if their long-term contract is set to renew to a “month to month” or longer subscription.

*Thirty-five percent of consumers have complained that they have signed up for an automatically renewing contract without realizing it. Likewise, *48 percent of consumers have had a free trial roll over into a contract without their knowledge. The time is long overdue for state legislators to step in and take action to ensure consumers are not tricked into costly and deceptive business practices.

*Links are no longer active as the original sources have removed the content, sometimes due to federal website changes or restructurings.

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About the National Consumers League

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 statement on White House “Protecting Americans from Online Censorship” proposal

/in Consumer policy, Consumer Protection, Telecommunications/by

August 12, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League, America’s pioneering consumer and worker advocacy organization, is urging the Trump Administration not to move forward on its reported proposal to require the Federal Communications Commission (FCC) and Federal Trade Commission (FTC) to regulate speech on the Internet. As reported, the draft proposal would severely curtail the protections that website operators receive under Section 230 of the Communications Decency Act. These protections are crucial to website operators’ abilities to moderate content, including hate speech, violence, and other objectionable content.

The following statement is attributable to John Breyault, vice president of public policy, telecommunications and fraud at the National Consumers League:

An open and well-moderated Internet is crucial to consumers’ ability to get the information they need to make informed marketplace decisions and to hold industry and government officials accountable. Nonetheless, the Trump White House seems determined to pursue a fairness doctrine for the Internet in order to placate a small, but vocal portion of the President’s base. In the name of protecting against largely fictitious ‘conservative bias,’ the Administration’s proposal would direct the independent FCC and FTC to exercise authority they don’t legally have and which their leaders have said they don’t want. If reports about the draft executive order are true, the results could be disastrous for consumers and free speech online. This proposal is deeply misguided. We urge the Administration to consign it to the dustbin of history.

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About the National Consumers League

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: Consumers should be able to access broadcast channels for free via Locast

/in Consumer Education, Consumer literacy, Consumer policy, Consumer Protection, Education, Telecommunications/by

August 5, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—Last week, the four largest broadcast networks—ABC, CBS, Fox, and NBC—filed suit against Locast, a free streaming service operated by the non-profit Sports Fans Coalition NY. The networks’ lawsuit seeks to block Locast’s streaming of local broadcast programming. The suit alleges that Locast violates copyright laws by failing to compensate the networks for their programming.

The following statement is attributable to NCL Vice President of Public Policy, Telecommunications, and Fraud John Breyault:

Consumers can already legally obtain free over-the-air broadcast channels via an antenna on their roofs. We think broadcasters would be better off embracing an innovative technology that allows consumers to more easily access their ad-supported content.

To secure public accessibility of broadcast signals, the Copyright Act expressly permits non-profit organizations to retransmit free over-the-air broadcasts. Locast is operated by the non-profit Sports Fans Coalition NY as a free public service. NCL supports broad consumer choice for access to local broadcast channels.

This year alone, the four largest broadcast networks are expected to generate more than $10 billion in retransmission-consent fees from cable and satellite providers that carry the networks’ programs. These fees are largely passed onto consumers in the form of higher monthly cable and satellite bills. Along with advertising that networks and local television stations sell, retransmission fees support the production of critically important local news content as well as traditional entertainment programming. 

NCL and Sports Fans Coalition (SFC) have a history of working together on a range of important consumer issues. In 2014, together we successfully petitioned the Federal Communications Commission to repeal the Sports Blackout Rule. In 2018, we jointly urged the Federal Trade Commission to protect consumers in the live event ticketing marketplace by cracking down on deceptive “white label ticketing websites.” We have also worked with SFC to create a landmark “Sports Bettor’s Bill of Rights” to ensure that consumers are protected as more states move to legalize online sports betting.

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About the National Consumers League

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 statement on White House pathway for drug importation

/in Health, Health policy, Healthcare coverage, Insurance, Medication adherence/by

August 2, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—As the nation’s pioneer consumer organization, the National Consumers League (NCL) strongly supports consumer access to safe, effective, and affordable prescription drugs. The recent announcement by the White House to open a pathway for importation of drugs from outside of the United States seems unworkable and poses safety and purity challenges.

Six years ago, the U.S. government enacted a safe system to “track and trace” drugs sold to U.S. consumers through the Drug Supply Chain Security Act. The law required, that by 2023, all drugs sold to U.S. consumers must have both a product identifier and a unique package code to allow Food and Drug Administration (FDA) and any buyer in the supply chain to obtain a comprehensive history of where the drug was manufactured and packaged. This secure supply chain system best ensures consumers are receiving medications that are not counterfeit or substandard.

“The recent announcement by the White House ignores the Drug Supply Chain Security Act and undermines the security of the U.S. pharmaceutical supply chain,” said Sally Greenberg, NCL executive director. “This new pathway for importation could easily lead to counterfeit or substandard drugs finding their way to consumer’s medicine cabinets, thus putting patient health and safety at risk.”

In addition to the safety risks posed by this new policy announcement, there are no guarantees that it will save consumers money. The proposal opens the door for states, pharmacies, and distributors to obtain the medications outside of U.S. borders, but it does not require that any cost savings from obtaining those “lower-priced” medications be passed on to consumers. So, even if safety concerns could be addressed, it is not clear that there will be any direct cost savings benefit to consumers.

The threat to public health is real. Counterfeit medications may contain the wrong active ingredient, the wrong amount of the active ingredient, no active ingredient, harmful ingredients, or even poisons such as mercury, road tar, or antifreeze. Counterfeit medications made with deadly ingredients have been found in more than 40 states across America, posing a significant public health threat.

“Allowing importation will only serve to exacerbate the challenge of preventing counterfeit drugs from reaching American patients,” said Greenberg.

NCL continues to advocate for more responsible strategies to ensure the affordability and accessibility of safe and effective prescription drugs.

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About the National Consumers League

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.

Consumer group calling on Congress to pass Hot Cars Act on Heat Stroke Prevention Day, July 31

/in Consumer policy, Consumer Protection, Safety, Transportation/by

July 31, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—Washington, DC—Just days after the tragic deaths of one-year-old twins who were accidentally left behind by a parent in a car in the Bronx over the weekend, advocates pointing to today’s observance of Heat Stroke Prevention Day to call attention to a bill in Congress that would mandate new cars come with technology to prevent such tragedies.

The Hot Car Act would require that all new cars come equipped with an alarm system that reminds drivers to check the car after exiting. The bill calls for “a distinct auditory and visual alert to notify individuals inside and outside of the vehicle of the presence of an occupant.” This alarm will only occur when the vehicle senses a physical presence in the back seat.

Heatstroke is the leading cause of deaths in vehicles (excluding crashes) for children 14 years old and younger, according to Consumer Reports. Although some may believe that hot car tragedies could never happen to them, more than 900 children have died in hot cars since 1990, and 17 fatalities have been recorded in 2019 alone, according to safety advocacy group KidsAndCars.org.

“This lifesaving technology is already available, so why wouldn’t we expedite its implementation and allow children and their families to benefit from it?” said NCL Executive Director Sally Greenberg. “Just as we have overcome other dangers in cars–kids dying in trunks, backover accidents, deadly electric car windows–the auto industry now has the technology available to prevent these tragedies. Kids shouldn’t pay with their lives when we can readily fix the problem. The auto industry can do something about this and should.”

The Hot Cars Act alert system follows in the tradition of other essential vehicle alarm systems that have become commonplace for consumers, such as chimes that remind drivers to use a seat belt, indicate that headlights have been left on, or doors have been left ajar.

The alarm system also has relevance beyond the summer months. Sensors and alarms in new cars will also prevent children from being left unattended in dangerously cold temperatures. The proposed technology would also alert pet-owners if their furry friend is about to be left behind.

“These hot car deaths have happened for many years to many doting, devoted, and loving parents. Human beings make mistakes, but we now have the technology that can prevent these mistakes and help protect children, so let’s use it,” said Greenberg.

The Senate introduced its version of the bill in May, which was sponsored by Senators Roger Wicker (R-MS), Richard Blumenthal (D-CT), and Maria Cantwell (D-WA). 

The National Consumers League once again commends Representatives Tim Ryan (D-OH), Jan Schakowsky (D-IL) and Peter King(R-NY) for their continued leadership on this issue and urge members of Congress to support this important children’s protection legislation.

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About the National Consumers League

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.

Consumer group: Capital One breach highlights need for Congressional action on data security legislation

/in Consumer policy, Consumer Protection, Fraud policy, Fraud Prevention, ID theft, Privacy & security, Technology, Telecommunications/by

July 30, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242, or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—Just one week after consumers received relief from the massive Equifax breach, yet another massive breach—this time at Capital One bank—is placing consumers at risk, yet again, of identity theft.

In one of the largest financial breaches in history, more than 100 million Capital One accounts and 140,000 Social Security numbers were reportedly compromised. As was the case in previous breaches, the Capital One breach appears to have stemmed from a third-party cloud hosting vendor that stored Capital One’s data.

The National Consumers League (NCL), the nation’s pioneering consumer and worker advocacy organization, is calling on Congress to immediately pass comprehensive privacy legislation and protect highly personal data.

“Consumers are sitting ducks if big banks like Capital One, giant hotel chains like Marriott, and credit scoring companies like Equifax don’t take the necessary steps to protect our data,” said John Breyault, NCL’s vice president of public policy, telecommunications, and fraud. “When companies like Capital One are sloppy in protecting consumers’ data, it allows hackers steal consumer information which ultimately fuels identity theft and other frauds against us.”

“More than five years after hackers compromised the personal information of nearly 110 million Target customers, criminals are still breaking through supposedly strong firewalls and stealing consumers’ personal data from companies. Any data security legislation must require that consumer data be protected with strong fines and criminal penalties for failing to do so,” said NCL Executive Director Sally Greenberg.

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About the National Consumers League

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.

DOT green lights more concentration, less competition in American-Qantas alliance

/in Consumer policy, Consumer Protection, Transportation/by

July 24, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242, or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League (NCL), America’s pioneering consumer and worker advocacy organization, is disappointed in the Department of Transportation’s (DOT) decision to approve a grant of antitrust immunity to a new international alliance between American Airlines and Qantas Airways. The following statement is attributable to Sally Greenberg, NCL executive director:  

“In 2016, the Obama DOT found that an American-Qantas tie-up would ‘reduce competition and consumer choice.’ Less than three years later, the Trump DOT has decided that the American-Qantas alliance will be ‘procompetitive’ and ‘likely to generate substantial benefits for the traveling public’ in the U.S.-Australia market. We are at a loss to understand how allowing the Big Three airline alliances to control 86 percent of the U.S.-Australia market will generate substantial benefits for flyers. This decision is yet more evidence that the Trump DOT is intent on putting the interests of big airlines ahead of the interests of the flying public. The woeful absence of competition in the airline industry today has led to higher prices, poor service, and nowhere for the flying public to go. This decision only adds insult to injury for consumers.”

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About the National Consumers League

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 heralds House passage of Raise the Wage

/in Compensation / Wages, Labor, Labor policy/by

July 19, 2019

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242, or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League (NCL), celebrating its 120th Anniversary of fighting for minimum wage workers, and author of the first minimum wage bills in America,  praised the  actions of the US House of Representatives in the passage July 18, 2019 Raise the Wage Act of 2019 (H.R. 582) by a 231 to 199 vote.  

“I just know that Florence Kelley is smiling upon us today,” said Sally Greenberg, NCL’s Executive Director. Kelley, NCL’s pioneering champion for the League’s first 33 years, wrote the nation’s first of these bills in the early decades of the 20th Century. “She had many setbacks along the way,” said Greenberg, “including when DC’s minimum wage law was found unconstitutional in 1918 by the Supreme Court.”

But she persisted, and today the minimum wage is recognized as both constitutional and necessary to protect the lowest–paid workers in America. NCL advocates for the $15 an hour minimum wage in today’s legislation and supports a long overdue increase to a wage that is fair, livable, and conducive to a dignified quality of life.  

The bill would raise the minimum wage–stuck at $7.25 for nearly 10 years–to $15 an hour by 2025, helping lift millions out of poverty. In addition, Raise the Wage will decrease the wage gap between minimum and median wage workers, as after 2025, the wage will continue to increase indexed to the median wage. Raise the Wage will also ensure fair wages for people with disabilities, who currently could make mere pennies an hour. The current exemptions for disabled employees is “legalized discrimination,” NCL believes. Raise the Wage has the added potential to decrease unemployment and reduce poverty, as shown by the University of California at Berkeley research examining the results of raising the minimum wage in the city of Berkeley.  

Democratic Members reminded their colleagues that Congress set the minimum wage since 1938 when it was enacted in the Fair Labor Standards Act. Representative Rosa DeLauro (D-CT) called the Republican claim of federal interference “hogwash.”  

NCL congratulates and thanks the House Members who supported this landmark overdue legislation. “We salute Speaker Nancy Pelosi (D-CA) for her towering leadership,” said Greenberg. “She noted that the bill ‘grows our economy and creates economy, increases families’ purchasing power and drives economic growth that lifts up all communities.’ Affording people a livable minimum wage benefits local economies, since workers will have higher earnings to spend at local businesses.” 

NCL was founded in 1899 on the principles of promoting a fair marketplace for workers and consumers. More than a century–120 years—later, NCL continues to work to ensure progressive reforms take place in communities and workplaces across the country. NCL is also proud of its history of championing state minimum wage laws. Our founder, Florence Kelley, led a campaign that saw 14 states pass some of the first minimum wage laws. Following those victories, NCL worked to pass the 1938 federal Fair Labor Standards Act, which established federal minimum wage. Since then, we have advocated – and will continue to advocate – for increased federal minimum wages. 

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About the National Consumers League

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.