With the holiday gift-giving season here, consumer advocates want to make sure parents and caregivers understand the threats toys can pose to children.
Teresa Murray, consumer watchdog for the U.S. Public Interest Research Group Education Fund, said it is crucial for parents to do their homework and know what they are buying. The group's most recent toy safety report highlighted the growing popularity of "smart toys."
Murray pointed out toy manufacturers are making everything from stuffed animals and dolls to race-car tracks and even board games more tech friendly.
"These companies are collecting data," Murray emphasized. "Maybe they're using it for play but then they're also using it in many cases to market things to your child that maybe you don't want your child to have or they're just putting information in these databases."
Murray acknowledged parents may find smart toys have their benefits, such as keeping your child engaged for longer, but she encouraged parents and gift-givers to look at privacy policies and find out what kind of information and data is being gathered and shared.
Murray noted despite toys being potentially harmful, they still remain available. One of those toys is called "water beads," colorful, squishy sensory toys the size of pinheads or ice cream sprinkles. They expand when placed in water. If ingested, the beads expand and can block a child's airway or damage the digestive tract. Pets can be at risk, too.
Amazon, Walmart and Target recently announced they will no longer sell water beads after the end of the year.
"Congress just introduced legislation a couple of weeks ago to ban water beads as toys, and the Consumer Product Safety Commission has indicated that they're going to put some kind of restrictions on water beads," outlined. "But here is the thing that is unfortunate, is that's not going to help for water beads already have in their home."
Murray recommended if you have water beads in your home, to get rid of them especially if you have a child or pet. You can make sure the toys you buy are safe by following tips at toysafetytips.org.
Murray would like to see online marketplaces held to the same standards as brick-and-mortar stores to mitigate the sale of recalled and counterfeit toys. She recommended parents read labels and ensure their kids have access to age-appropriate toys.
"Sometimes parents will say, 'well, you know, my child is advanced for his or her age,'" Murray observed. "OK, great. Maybe intellectually but not necessarily developmentally, so you're just better to be safe than sorry."
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Air travelers could face fewer obstacles in securing a refund if their flight is canceled or changed under new federal rules announced Wednesday.
The moves are being praised by watchdog groups. The Department of Transportation said airlines are now required to promptly provide passengers with automatic cash refunds when they are owed one.
Teresa Murray, consumer watchdog director for the U.S. Public Interest Research Group, said some carriers have not adhered to standards, leaving passengers in a bind.
"They would drag their feet, and they would say, 'Well, you bought your ticket from a ticket agent, so we don't know where your money is. Or, here, have a voucher,'" Murray explained.
Amid higher complaint volumes, companies will be forced to act quickly. The new rules, which are being phased in, provide clearer definitions for travel disruptions, including delays of at least three hours on a domestic flight and six hours on international flights. A key industry group responded to the announcement by touting transparency efforts among carriers.
Murray acknowledged most people are not frequent flyers, and it is hard for them to keep up on all the least practices and policies among airlines.
"The average person only flies once every 18 months," Murray pointed out. "This will just bring transparency to that process and it kind of evens the playing field."
Murray added it could come in handy for Midwestern customers when a winter storm wreaks havoc on air travel. The new rules also require refunds for baggage fees when a piece of luggage is delayed by 12 hours or more for domestic flights. And there must be upfront disclosure on fees for first and second checked bags and carry-on bags.
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Wisconsin lawmakers recently debated reforms for payday loans. Efforts to protect consumers come amid new research about financial pain associated with cash advances offered through smartphone apps. The Center for Responsible Lending is out with findings that detail how "earned wage advances" from digital platforms come with extra costs disguised as things like tips. Traditional payday lenders are often criticized for charging excessive interest rates on loans that are usually around $500.
Lucia Constantine, a researcher with the Center for Responsible Lending, said customers are usually seeking smaller amounts from the apps, but she warns they can be just as costly.
"They are trapping consumers in a cycle of borrowing that is similar to that of a payday loan, " she said.
The report said after using these financial products, customers are seeing overdrafts on their checking accounts increase by 56% on average. Industry leaders deny they're barraging consumers with hidden fees, stressing that features such as suggested tips are optional. More broadly, a bipartisan payday loan reform bill in the Wisconsin Legislature failed to advance this month.
Constantine said like longstanding payday lenders, these cash advance apps can be hard to regulate. Meanwhile, she urged those in a bind to explore other options.
"[They should] try talking to their friends and family as a first source. The other option which I would recommend is reaching out to their credit union or banking institution to see if they can get some sort of small-dollar loan," she said.
She noted places such as credit unions typically provide more transparency on loan costs. According to the report, three-quarters of consumers took out at least one advance on the same day or day after a re-payment was posted.
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Food prices remain high, in Montana and across the country.
A new report by the Federal Trade Commission says the country's largest grocery companies are gouging consumers, by keeping prices artificially high.
Many grocers, retailers and wholesalers have consolidated to cut costs. Grocers continue to blame supply chain problems, even though regulators have said most of those issues have been resolved.
President of the advocacy group Farm Action, Angela Huffman, said retailers were doing more than making up for lost revenue during the pandemic-era supply chain disruptions - and the FTC report says they continue to do so.
"In 2021, the retailer revenues, they rose to more than 6% higher than their total costs, and that those profits are still going up," said Huffman. "So, in the first nine months of 2023, the profits increased to 7%."
At nearly 6.5%, Montana had the nation's ninth-highest grocery price increase in 2023.
The FTC data show Amazon, Kroger and WalMart each gained market share during and after the pandemic - while profits continued to rise.
Other large retailers and wholesalers have consolidated, which they say gives them more buying power and the ability to pass those savings on to customers.
Huffman said that isn't what's happening, and calls on regulators to fine the grocers, or more.
"This would be kind of the farthest extent of what they could do, but go so far as breaking them up," said Huffman. "In years past, they broke up the telephone companies and the railroads and, you know, that would be the ideal outcome for us, is to take away their excessive power."
Huffman also points to a 150% increase in egg prices in 2023, which producers blamed on the avian flu. The FTC says the disease did not justify the drastic price hike.
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