Arizona is among states that have considered passing consumer privacy laws but have yet to do so. While the state doesn't have anything on the books, one expert contends it is an opportunity for Arizona to take action.

R.J. Cross, co-author of Arizona PIRG Education Fund's "The State of Privacy" report, along with experts from the Electronic Privacy Information Center, evaluated how states' privacy laws aim to protect users. They found what they call "weak, industry-friendly" laws that allow tech companies to collect data about consumers without "meaningful limits."

The more data companies collect from users, she said, the more that data is at risk.

"Industry lobbyists are playing a full-court press in the states, pressuring lawmakers who want to protect consumers to water down their bills," she said, "and it is unfortunate how many times we have seen that be successful."

Cross, director of the PIRG Education Fund's Don't Sell My Data Campaign, said no laws should be written by the companies they are meant to regulate. Despite Congress having failed to enact the American Data Privacy and Protection Act in 2022, the report says state legislators can use its bipartisan framework to adapt existing state laws or create new ones.

More than 80% of Americans are concerned about how companies collect and use their data, according to the Pew Research Center.

As more tech companies collect data, Cross said, the more our data is at risk of being exposed in a breach or hack. That means valuable information can end up in the hands of identity thieves, scammers or brokers that buy and sell data. Cross called on Arizona and federal policy makers to step up and better protect consumers' data, but added that, in the meantime consumers can take proactive steps to protect themselves by not using web cookies and downloading the Consumer Reports app called "Permission Slip" that can tell data brokers to delete their data.

"You can download that," she said, "and send one deletion request to hundreds of companies with one push of a button, saying, 'Hey, if you have my data, I want you to delete it.' Again that is totally free from Consumer Reports and we do strongly suggest that people, while we are waiting for strong regulations, take advantage of that."

While some states have passed laws, Cross said, they have loopholes that allow companies to continue collecting data. She added that certain laws may grant consumers the right to ask for the deletion of their data, but said that could mean individual requests have to be sent to every company, which is what Cross called a "part-time job."

Buying a used car can be a risky proposition, but a new consumer guide can help people avoid common pitfalls.

The nonprofit Oregon Consumer Justice just released the first edition of its free resource, called the Consumer Confidence Comics. The unique guide doubles as an interactive comic book with coloring pages.

Michelle Luedtke, communications director for Oregon Consumer Justice, describes it as a fun way to learn how to ask the right questions.

"When you get promises from a dealer, where do you capture those to make sure that they'll be part of your final contract?" Luedtke asked. "We have a checklist of different questions to ask at a dealer about purchasing a used car. You can also download as a resource on our website."

The guide is available in English and Spanish.

Used car prices shot up during the pandemic but have come down a bit in the last year, with the average used car selling for about $31,000, according to iseecars.com.

Luedtke also recommended taking the time to read the fine print on any contracts. The guide goes through the process from start to finish.

"Whether or not you should be looking for financing beforehand, or what dealer financing looks like? What are scams that are common around purchasing a vehicle," Luedtke outlined. "And then also, what to do if things go wrong."

In Oregon, used car dealers have 14 days to finalize the financing, so you could drive it off the lot and then have to return it if the loan falls through. Consumers are advised not to make any changes to the car until they get a welcome letter from their lender.

In 2022, Americans purchased about 39 million used vehicles.

Buying a used car can be a risky proposition but a new consumer guide can help people avoid common pitfalls.

The nonprofit Oregon Consumer Justice just released the first edition of its free resource called the Consumer Confidence Comics. The unique guide doubles as an interactive comic book with coloring pages.

Michelle Luedtke, communications director for Oregon Consumer Justice, said it is a fun way to learn how to ask the right questions.

"When you get promises from a dealer, where do you capture those to make sure that they'll be part of your final contract?" Luedtke asked. "We have a checklist of different questions to ask at a dealer about purchasing a used car, you can also download as a resource on our website."

The guide is available in English and Spanish. Used car prices shot up during the pandemic but have come down a bit in the last year, with the average used car selling for about $31,000, according to iseecars.com.

Luedtke also recommended taking the time to read the fine print on any contracts. The guide goes through the process from start to finish.

"Whether or not you should be looking for financing beforehand, or what dealer financing looks like? What are scams that are common around purchasing a vehicle," Luedtke outlined. "And then also what to do if things go wrong."

In 2022, Americans purchased about 39 million used vehicles. The website Statista projects used car dealers in California will pull in about $11.7 billion in revenue this year.

The federal SNAP program allows nearly 1.3 million Ohio families to put food on the table -- but increasingly, when many recipients attempt to use their card at a store, they are told they do not have enough funds.

At grocery and convenience stores across the state, fraudsters are installing illegal skimming devices capable of reading cards as they are swiped and using the card data to steal money.

Alisha Love, an EBT card user, said she has been a victim of EBT theft more than once. She believes the state and federal government should invest in chip security for SNAP to better protect people relying on the program.

"I haven't even gotten reimbursed for the first one, and I'm working with Legal Aid right now," Love pointed out. "My kids need money to eat. Right now I am using cash, and it is bleeding me dry from all the finances."

The Ohio benefits office recommends SNAP recipients change their pin number immediately after they suspect being scammed and replace their EBT card by calling 1-866-386-3071.

This year, 44 states have reported more than 160,000 cases of fraudulent EBT card transactions.

Phaleys Lopez, an EBT card user, said being scammed prevented her from being able to buy formula for her infant son.

"I always buy the formula for my son with the EBT," Lopez explained. "That specific Gerber, I can only buy it with the EBT or cash. I ask the father of my son to buy some when I can't."

Hope Lane-Gavin, director of nutrition policy and programs for the Ohio Association of Foodbanks, said victims of EBT card skimming typically have no choice but to turn to food banks to feed their families, and pantries are already struggling to keep up with demand.

"These are people who have applied, have followed the rules, have been approved for the benefit, who then got their card and are doing everything normal," Lane-Gavin emphasized. "Everything that they're supposed to do."

EBT card users who suspect they've been scammed can request replacement benefits within 90 days from the date they were stolen, by either mailing or hand-delivering a signed Job and Family Services form to a local county Job and Family Service office. Gavin added a temporary fix allowing victims of EBT theft to receive replacement benefits will expire on Sept. 30, without additional action by Congress.