National Consumers League

From the Experts Blog

NCL staff is hard at work for you playing watchdog on a variety of issues. Get to know the latest From the Experts!

Got Kids on Your Gift List?

by Sally Greenberg, NCL

Managing our long lists of gifts and recipients each holiday season is stretoy.jpgssful enough, even without the added anxiety over safety issues. With all of the bad publicity that toys have gotten over the past six months – with excessive levels of lead paint in trains imported from China, magnets that would be deadly if swallowed by young children, and a bizarre chemical found in the coating of some toys – shopping for kids is more complicated this holiday season than ever.

The good news is that with all the attention to toy safety issues, useful advice for avoiding hazards is easy to find so if you are shopping for holiday presents for the kiddies, don’t despair. Here are some tips NCL is offering this holiday shopping season:

Relax. Remember that any toy that has been recalled should be off the shelves and not available for purchase. As a result, the risk of buying a toy with lead paint is greatly reduced this holiday season. In addition, retailers are testing toys themselves in far greater numbers than ever before. They claim toy selections have never been safer.

Want to avoid Chinese toys altogether? It should be easier this year, as retailers say they’re offering alternatives. ToysRUs, for example, claims to carry more products from more countries than anyone and its clerks should have lists of toys made in countries other than China to help customers find what they want. Watch the age-ratings on products. A product that is safe for a 6-year-old might not be safe for a toddler. Go for safer toys. Some categories are less prone to safety concerns like lead paint or magnets. These include learning toys, board games, and the newer interactive plush toys. Watch out for small parts. Toys for children younger than 3 are banned from containing small parts, and toys for 3- to 6-year-olds that have small parts are required by federal law to carry a warning label. Sometimes those labels are absent or hard to read because of small print or unclear descriptions of the hazard, so take a close look at the product itself to ensure the toy doesn’t have dangerous small parts if you are buying it for a kid under 6.


Guilt-free Chocolate?

by Darlene Adkins, Child Labor Coalition

Who’s not attracted to this concept? For many of us – admit it – our primary source of guilt is over the calories and fat. Well, we’re somewhat mollified these days since we know cocoa is so loaded with antioxidants -- yay!

But, that’s not the source of the “guilt” I’m talking about. Remember the news reports that crop up periodically about serious types of child labor being used in cocoa growing in Ivory Coast and Ghana – the major supplying countries of cocoa? Yeah, those two countries supply about 70 percent of the world’s cocoa. And, we’re not talking about an afterschool job, but awful stuff like forced labor and human trafficking of children.

Nobody wants something like this in their cocoa. Well, in about seven months, the rubber meets the road – or maybe we should say the candy meets the wrapper.

On July 1, 2008, a system is supposed to be in place to provide consumers with some ongoing measurement of the worst forms of child labor in cocoa growing in Ghana and Ivory Coast and assessment of the success of the cocoa industry’s actions to address the problem.

We’re keeping our eyes on the process and will report back as the date draws closer. The key is for a transparent system that allows the public access to data and reports and an independent verification to ensure that what we hear about the labor behind cocoa is truly credible.


Some Rx Drugs Going Behind-the-Counter?

By Rebecca Burkholder, VP for Health Policy at NCL

This week I spoke at a Food and Drug Administration public meeting on whether certain drugs should be available without a prescription and sold from “behind-the-counter” with counseling from a pharmacist. This “BTC” class of drugs would make some drugs that were previously available only with a prescription available to consumers without spending time and money on a doctor’s visit. The public meeting was a chance for FDA officials to hear the wide range of arguments both for and against establishing this new class of drugs, and to get a glimpse at the many issues that would be raised with the introduction of a new class of drugs. Some type of BTC or pharmacy class of drugs already exists in many other countries. Canadians, Australians, and residents of the United Kingdom have access to BTC drugs. Should Americans be next?

I'm in favor of the creation of this third BTC class because it would increase patient access to the meds we know they can safely use, after consulting with a pharmacist, to self-treat conditions they can easily diagnose for themselves, like allergies or migraines. However, along with other consumer groups, we have some concerns about how the system would work. There are a lot of questions that still need to be answered. Which drugs can safely be placed behind-the-counter? And how can we ensure that consumers get useful counseling by the pharmacist in a private area? All too often the line at the pharmacy counter is endless, and pharmacists' time too short to provide counseling.

By the end of the day the FDA acknowledged that it was not ready to make a decision regarding a new BTC class of drugs, but that it was helpful to hear the variety of opinions. After reviewing all the comments submitted on this issue, the FDA will consider where to go from here.


Targeting and Tracking Customers Raises Privacy Concerns

By Susan Grant, Director of NCL's Fraud Center Most consumers don't know that their activities online may be tracked by companies that create profiles of them based on the Web sites they visit, the pages they look at, the ads they click on, what they buy, and other information about their behavior. These profiles help businesses target their ads to those consumers who are most likely to be interested in their products or services. So, for instance, if you're an avid golfer and you've visited Web sites about golf or bought golf equipment online, you may see an ad for golfing vacations to Scotland the next time you visit a travel Web site. This isn't necessarily sinister -- you may want to see ads that are tailored to your interests. But the practice, behavioral tracking and targeting, raises concerns about privacy, security of personal information, the potential for discrimination, and use for other purposes such as law enforcement. Even though these profiles may not include consumers' names, they may contain information that can easily be linked to specific people. On November 1 and 2, 2007, the Federal Trade Commission held a Town Hall that brought members of the online advertising industry together with researchers, consumer representatives, privacy advocates, and others to discuss these concerns. Today, the National Consumers League submitted comments asking the FTC to take action to protect consumers and ensure trust in the online marketplace. One interesting idea, which NCL supports, is to create a national "Do Not Track List" similar to the popular "Do Not Call Registry" for consumers who don't want to be tracked online.


It's Working! FakeChecks.org Saving Consumers Cash

by Susan Grant, Director of NCL's Fraud Center

When you work on a national public educationusps_lottery_320x240_backup.gif project, it's often hard to tell if the message really works. So it's been gratifying to hear from consumers (below) that our effort to warn people about fake check scams is succeeding! On October 3, we launched a new Web site, www.fakechecks.org, and a major publicity campaign in partnership with the U.S. Postal Inspection Service, major banks, money transfer services, and others who shared our concern about the epidemic of fake check scams that is sweeping our nation.

You've probably seen the commercials, like the one with the guy on the bus who tries to give the woman a check as a down payment for the millions she has supposedly won in a foreign lottery. Fake check scams have become the top telemarketing fraud and the second most common Internet scam reported to NCL's Fraud Center. The average loss is $3,000-$4,000 -- that's a lot of money for most of us. But the consequences can be even more severe.

Victims' bank accounts may be closed, and they may have difficultly opening new accounts. They may be sued if they can't pay the money back to their banks right away, and some are even being prosecuted for check fraud.

Essentially, these scammers are stealing money from the banks and leaving consumers holding the bag. That's why it's so important for consumers to be aware of these scams and understand that just because the funds are available doesn't mean the check is good. The new Web site is getting tons of hits, but even more gratifying are the messages that many consumers are including when they report these scams through the Web site, like the following ones we recently received.

THANK YOU for the warning. I was recently contacted by unsolicited email after posting my resume on Monster.com. I did respond to the offer, but now that I saw your advertised warning this evening, I am planning on NOT depositing any checks sent to me by the company in question...If not for this warning, I would have lost money and time I do not have.

M.F., Bellflower, CA

 

I had received a letter in the mail with a check of $2875.00. The letter stated for me to keep $300 of that and send $2520.00 as a money gram through Wal-Mart to an address in Canada, and $55 was for the money gram itself.

They wanted me to do this "assignment" to evaluate the effectiveness of a payment system... I thought about it and decided to "look it up" on the internet. I found this website and thank God I did!!! Thanks!!! Needless to say I didn't cash it...I want these people stopped."

S.P., Wharton, TX