It’s always worth lodging a complaint, despite government budget cuts, layoffs and the rollback of regulatory oversight

It might feel right now like there’s no one looking out for US consumers. But a wide array of federal, state and local regulators and watchdogs are tasked with targeting company fraud and deception.

If you have an intractable problem with a company, it is always worth filing a complaint to every relevant government office, consumer advocates say – despite government budget cuts, layoffs and the steady rollback of federal regulatory oversight.

The Federal Trade Commission (FTC) takes complaints on general product and service fraud and scams here. It often refers cases to other agencies and collaborates with states on investigations.

The Consumer Financial Protection Bureau (CFPB) handles complaints within the financial services industry, including credit scorers and non-bank lenders, here and still appears to be actively contacting companies to resolve issues, despite cuts.

You can search the Consumer Product Safety Commission’s database of product recalls and warnings here and file a complaint about an unsafe product here.

Report airline travel delays, baggage problems and discrimination at the Federal Aviation Administration’s (FAA) consumer protection office.

The FBI’s Internet Crime Complaint Center takes complaints about criminal activity online, including fraud, here. The bar for the FBI to launch a criminal investigation is generally higher than at agencies that handle civil complaints.

Register complaints about moving companies, trucks, buses and other transport here.

You can request an “external appeal” of a health insurer’s coverage denial in some states; a federal appeals process was suspended by Health and Human Services on 1 July. More information is here.

Rule from Mamdani administration bans companies from trapping customers into paying recurring charges and ‘junk fees’

New York City has adopted a new rule that bans companies from using deceptive subscriptions to trap customers into paying for gym memberships, streaming services and other recurring charges, the city’s consumer protection office said.

The new rule, which will start on 1 October, promises hefty fines and aggressive enforcement for violators. Companies that do not provide a simple way to cancel could pay $525 per user subscription, back fees and additional fines.

Chris Mufarrige has taken aim at Facebook scams and junk fees, but consumer advocates say he has an uphill climb

As the director of the Federal Trade Commission’s consumer protection bureau, Chris Mufarrige is the top enforcer protecting Americans against predatory companies.

He’s got an uphill climb, consumer advocates say.