Protecting renters

Problems arising from rental relationships can be especially upsetting when the home becomes an extension of the day's frustrations, rather than a refuge from them. Some landlords neglect maintenance, while others habitually enter without notice. Even those fortunate enough to avoid major issues may sometimes find it difficult to recover the security deposit. Although landlords often have the upper hand, tenants may still come out on top if they are savvy, informed consumers.

  1. If you have never met a potential landlord in person: a) never send them money by wire transfer, and b) never give them private financial information (such as your social security number, bank account numbers, credit card numbers). Beware any potential landlord who makes such requests.1
  2. Carefully inspect the exact unit that you want to rent, not just a model unit. Open every door and closet, note any odd smells or noises, check for deadbolt locks, and confirm there are adequate exits in case of emergency.
  3. Read the lease contract carefully to make sure you can live with everything that is (or isn't) there. If the landlord makes additional promises, they need to be written on the lease document before signing. Never rent without signing a lease.2
  4. Take video and/or photos of the unit during the walk-through with the landlord. The more photos, the better—if your landlord later tries to withhold your security deposit for existing damage, you will have proof that you were not responsible for it.3  
  5. Buy renter's insurance whether or not the landlord requires it, and make sure it is “replacement cost” insurance. A typical policy may cost anywhere from $10-30/month, and could even be less inexpensive if bundled with a car or life insurance policy.4
  6. Do not allow your landlord to violate your right to notice before entry. Most jurisdictions require at least 24 hours notice before the landlord may enter—knowing the law in your area will make it easier for you to protect your privacy.
  7. Tell your landlord to make repairs. Landlords are required to provide basic amenities of habitability, which typically includes heat, water, electricity, cleanliness, and safety. If talking to the landlord isn't going anywhere, you may be able to remedy the situation by withholding a portion of the rent, calling the building inspector, or breaking the lease and moving out without penalty.
  8. If you need help with your specific situation, get free legal advice from your local branch of the Legal Services Corporation—they frequently specialize in landlord-tenant questions.

Additional Resources:

Student PIRGs: Renter's Rights       
Department of Housing and Urban Development (HUD): Tenant Rights

State-specific consumer guides for tenants:

Sources:

  1. FTC Consumer Website: http://www.consumer.ftc.gov/articles/0079-rental-listing-scams 
  2. HUD Renter's Guide: Ten Tips for Tenants: http://www.hud.gov/local/shared/working/r8/mf/topten.cfm?state=nd 
  3. NYC.gov Rental Tips Website: http://www.nyc.gov/html/dob/html/homeowners_and_tenants/renter_tips.shtml
  4. HUD Renter's Guide: Ten Tips for Tenants: http://www.hud.gov/local/shared/working/r8/mf/topten.cfm?state=nd

Issue updates

News Release | CoPIRG Foundation | Consumer Protection

31st Annual Survey Finds Recalled Toys in Online Stores

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The report lists toys recalled by the Consumer Product Safety Commission (CPSC) from January 2015 to October 2016 with the message to consumers that these recalled toys may still be in homes. For large items such as cars, when they get recalled, owners will usually be contacted immediately through VIN numbers. However, that’s not the case with toy recalls.

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Report | CoPIRG Foundation | Consumer Protection

Trouble in Toyland

CoPIRG Foundation staff examined toys recalled by the CPSC between January 2015 and October 2016 and looked at whether they appeared to still be available for sale online. Since January 2015, the CPSC, in cooperation with manufacturers and distributors, has announced over 40 recalls of toys and children’s products totaling over 35 million units. We found that over a dozen recalled toys appeared to be available for sale. Also, parents should watch out for recalled toys that could still be in their homes.

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Report | CoPIRG Foundation | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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News Release | CoPIRG Foundation | Consumer Protection

31st Annual Survey Finds Recalled Toys in Online Stores

Some toys that have been recalled for lead, powerful magnets, or other hazards can still be available for sale in online stores, according to CoPIRG Foundation’s 31st annual Trouble in Toyland report. The survey of potentially hazardous toys found that consumers should be wary when shopping this holiday season.

The report lists toys recalled by the Consumer Product Safety Commission (CPSC) from January 2015 to October 2016 with the message to consumers that these recalled toys may still be in homes. For large items such as cars, when they get recalled, owners will usually be contacted immediately through VIN numbers. However, that’s not the case with toy recalls.

> Keep Reading
News Release | CoPIRG Foundation | Consumer Protection

Analysis of Payday Complaints Reveals Need for Stronger Federal Protections

Consumer complaints about payday loans to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report released today by the CoPIRG Foundation.

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay, Transportation

Framework for VW Settlement Announced

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay

Leading Groups Send Criteria for Evaluating VW Settlement

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Report | CoPIRG Foundation | Consumer Protection

Trouble in Toyland

CoPIRG Foundation staff examined toys recalled by the CPSC between January 2015 and October 2016 and looked at whether they appeared to still be available for sale online. Since January 2015, the CPSC, in cooperation with manufacturers and distributors, has announced over 40 recalls of toys and children’s products totaling over 35 million units. We found that over a dozen recalled toys appeared to be available for sale. Also, parents should watch out for recalled toys that could still be in their homes.

> Keep Reading
Report | CoPIRG Foundation | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

> Keep Reading
Report | CoPIRG Foundation | Consumer Protection

Trouble in Toyland 2015

For 30 years, CoPIRG Foundation has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children. Check out the 2015 survey.

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Report | CoPIRG Foundation | Consumer Protection

Trouble in Toyland 2014

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Report | CoPIRG Foundation | Consumer Protection

The Unfriendly Skies

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

> Keep Reading
Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Consumer Protection

We went to a VW Dealership today | Danny Katz

Today, I went to a VW dealership with one of the 482,000 VW owners who unknowingly purchased a “clean” diesel vehicle that was designed to get away with violating the law. I went there to encourage dealerships to join with VW customers and call on VW to give people their money back for these misleading vehicles.

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Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Today, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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