Defend Your Dollars: Share this site! We support reforms to the financial marketplace to curb bad practices by banks and lenders.


There are many different ways to pay, including gift cards, prepaid cards, or even with your mobile phone. But you don’t get the same consumer protections with each payment choice. We’re working to expose bad practices and to enact strong protections no matter how you pay.

Subtopics of Payments


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Press Releases

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Blog Posts

  • Data Breaches Driving You Crazy? California DMV gives consumers new reason to worry.

    Uh, oh. It’s happened again: another data breach. Consumers who used the California Department of Motor Vehicles (DMV) online credit card payment system may find their credit card information is at risk. The California DMV’s Public Information Officer, Armando Botello, says that the DMV was “alerted by law enforcement authorities to a potential security issue Continue Reading

  • A Selfie for Your Checks? What You Should Know about Remote Deposit Capture

    by guest blogger Caitlin Watkins  Too busy to go to the bank? Hate waiting in lines? I sure do. That’s why I tried Mobile Remote Deposit Capture (mRDC), which is basically like taking a selfie of all of your checks to be deposited straight to your bank account or prepaid card.  Awesome, right? Even the Continue Reading


    Thanks to J.B. Wogan over at Governing magazine, we’ve heard about a new product: a municipal gift card. According to Mr. Wogan’s story,  New Haven, Connecticut, is launching the “New Haven Shop-Dine-Park” gift card. Gift cards are different from the city-backed prepaid cards we’ve written about here. With the exception of gift cards for time at Continue Reading

  • Scammy Spammy Text Messages Getting You Down?

    By special guest blogger Caitlin Watkins Text message scams are crafted to get people to tell scam artists their personal information. To do so, they tempt you with offers and enticing rewards, but don’t be fooled by the promise of money and free vacations. Spam can slow your cell phone connection, add charges to your Continue Reading

  • Chomping at the Bitcoin? What You Should Know

    Earlier this month, 6% of all bitcoins in the world were stolen. If a similar theft occurred involving 6% of all US currency in circulation, that would be a heist of $75 billion dollars.  What is bitcoin? It’s money. Bitcoin is often referred to as a virtual currency. In other words, digital money. At its Continue Reading

  • Why The CFPB Is The Best Thing To Happen To Americans Since J.Law

    Jennifer Lawrence is pretty awesome, right? For several years now she’s excelled at playing characters that excite the American imagination- they’re young, vibrant, and struggle against difficult odds or crafty opponents.  The Consumer Finance Protection Bureau (CFPB) is also young, rather vibrant, and also goes to battle with powerful forces but, despite all this, the Continue Reading

  • Worried About the Target Breach? The CFPB Has Some Tips

    As the fallout from the Target data breach continues (along with Neiman Marcus and Michael’s), many consumers are wondering what, if anything, they can do to protect themselves from fraud and identity theft.  Yesterday, the Consumer Financial Protection Bureau (CFPB) issued a “consumer advisory” with basic tips on how to keep your information safe. So Continue Reading

  • Transaction Monitoring and Credit Monitoring in Light of the Target Breach

    Target has begun to offer security breach victims free credit monitoring for a year now that approximately 110 million Americans may have had their data compromised due to a security breach. We’ve advised consumers to conduct regular transaction monitoring to prevent fraud, and now some consumers have been asking us, “What’s the difference between transaction Continue Reading

  • Scam Bam, No Thank You Ma’am: How to Avoid Being Scammed after the Target Security Breach

    by guest blogger Caitlin Watkins In the wake of the Target security breach, there are a number of scams that are popping up. These scams try to gather consumer’s personal and credit information. This is adding to insult to injury, as we also just found out that the initial 40 million Target customers affected by Continue Reading

  • Gift Cards: Tips for Givers and Receivers

    American consumers are set to spend nearly $30 billion on gift cards this year, with eight out of ten consumers planning to give a gift card this holiday season, according to a recent report by the National Retail Federation. Gift cards have some protections, but gaps can catch consumers unaware. Here’s a brief summary of Continue Reading

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