Consumerism - Look Who's Back!
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Consumer protection efforts have evolved significantly from the early 20th century to now. Early works like Upton Sinclair's The Jungle exposed unsanitary and dangerous conditions in the meat industry, prompting President Roosevelt to push for reforms. Later, Rachel Carson's Silent Spring raised awareness of environmental issues. Today, numerous laws address consumer rights and protections in areas like banking, credit, car safety, and workers' rights. Modern technologies have empowered consumers to advocate directly through online reviews, videos, and forums, influencing corporate policies. Moving forward, businesses must adapt to increased transparency and community engagement.
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Consumerism - Look Who's Back!
- 1. Consumer Finance: Consumerism - Now & Then Fahzy Abdul-Rahman Family Resource Management Extension Specialist 2010 New Mexico Association of Family and Consumer Sciences (NMAFCS) Annual Meeting April 10, 2010 - 45 minutes
- 2. Consumerism - Now & Then
- 3. Roosevelt: Once Upon a Time ... “That bad?” The Jungle (1906) book by Upton Sinclair
- 4. Mr. President, The Jungle (1906) it’s 100 x worse • "There would be meat that had tumbled out on the floor, in the dirt and sawdust, where the workers had tramped and spit uncounted billions of consumption germs. There would be meat stored in great piles in rooms; and the water from leaky roofs would drip over it, and thousands of rats would race about on it. It was too dark in these storage places to see well, but a man could run his hand over these piles of meat and sweep off handfuls of the dried dung of rats. These rats were nuisances, and the packers would put poisoned bread out for them; they would die, and then rats, bread, and meat would go into the hoppers together."
- 5. President John F. Kennedy • Consumer Bill of Rights • E.g.: In Banking industry (1962), are the - Fair Debt Collection following: Practices Act, the Fair 1. right to safety; Credit Reporting Act, 2. right to be informed; Truth in Lending Act, and Fair Credit Billing 3. right to choose; and Act. 4. right to be heard. 5. rights to education 6. right to service
- 6. Rachel Carson - Silent Spring (1960s) EPA; ↓ DDT, lead and cancer-causing agents
- 7. Ralph Nader
- 8. 1980s - 2000 Stagnant Deregulation Reaganomics
- 9. NOW
- 10. 1. Banking & Credit Card • Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 – Enforce date: February 22, 2010 – $15 billion in penalty fees – 80 percent of American families have a credit card, and – 44 percent of families carry a balance on their credit cards
- 11. 2. Car Safety
- 12. 3. Worker’s Rights “I aimed at the heart and … hit the stomach”
- 14. 4. Consumerism • The Next Wave of • Marketing Consumerism – Segment markets – Make consumers sit and listen! – Ordinary items
- 15. Elderly: Past vs. Present
- 16. Remember the Jungle? Other “Muckrackers” – as coined by Roosevelt: • Lincoln Steffens details municipal corruption in his book Shame of the Cities – Led to legislation that crippled the political machines dominating the major cities in the early 20th century. • Ida Tarbell writings on Standard Oil Company, – Led to the break up of that company and other monopolies • David Graham Phillip's Treason of the Senate created a public outcry – Led to direct election of senators
- 17. Who are Today’s Muckrackers? 2006
- 18. Consumers in Control • Blogs • Reviews, Complaints: Forums, blogs, twitter • Designs: Soda, NikeID
- 19. Example • Forums • YouTube: “DEBTORS UPDATE: BANK OF AMERICA RESPONDS!!!” > 200,000 hits – Ratings – Comments – Response by the affected party • Bank of America to End Debit Overdraft Fees (nytimes.com 03/10/2010)
- 20. New Challenges – New Solutions Adapting to These Changes 1. Start listening - more 2. Become part of the community you serve 3. Stop being experts, start being interesting 4. Find your higher purpose – Give but still profitable 5. Embrace the chaos
- 21. Consumerism: Now & Then Fahzy Abdul-Rahman Family Resource Management Extension Specialist 2010 New Mexico Association of Family and Consumer Sciences (NMAFCS) Annual Meeting April 10, 2010 - 45 minutes
Editor's Notes
- In 1906, crusading author Upton Sinclair published the book The Jungle, which exposed the gruesome conditions in the meat-packing industry in Chicago.President Theodore Roosevelt sent federal agents to Chicago in 1906 to find out if conditions were as bad as Sinclair had described them. They were a hundred times worse, the agents reported back. Within months, the U.S. Congress passed the Pure Food and Drug Act and the Meat Inspection Act, the first federal actions to protect the U.S. consumer from unsafe food and fraudulent medicines. To this day, the sausages, steaks, pork chops and medications consumed by the U.S. public are protected by these laws.
- President Theodore Roosevelt sent federal agents to Chicago in 1906 to find out if conditions were as bad as Sinclair had described them. They were a hundred times worse, the agents reported back. Within months, the U.S. Congress passed the Pure Food and Drug Act and the Meat Inspection Act, the first federal actions to protect the U.S. consumer from unsafe food and fraudulent medicines. To this day, the sausages, steaks, pork chops and medications consumed by the U.S. public are protected by these laws.Federal Trade Commission, established in 1914Focused on fighting deception and monopolies
- 1960s with the publication of Silent Spring by marine biologist Rachel CarsonLed to the creation of the Environmental Protection AgencySince then, contamination levels of DDT, lead and cancer-causing polychlorinated biphenyls have declined sharplybnRGFEanuyQ
- Unsafe at Any Speed (1965) book
- When they plan to increase your rate or other fees. Your credit card company must send you a notice 45 days before they can increase your interest rate; change certain fees (such as annual fees, cash advance fees, and late fees) that apply to your account; or make other significant changes to the terms of your card. How long it will take to pay off your balance. Your monthly credit card bill will include information on how long it will take you to pay off your balance if you only make minimum payments. It will also tell you how much you would need to pay each month in order to pay off your balance in three years.
- A 1959 Department of Commerce report projected that 51,000 persons would be killed by automobiles in 1975. That figure will probably be reached in 1965, a decade ahead of schedule. The chapter titled "The Sporty Corvair-The One-Car Accident", pertained to the first 1960–1963 models that had a suspension design which was prone to "tuck under" in certain circumstances.Auto design such as instrument panels and dashboards that were often brightly finished with chrome and glossy enamels which reflected sunlight or the light of oncoming motor vehicles into the driver's eyes. + "P N D L R“ to "P R N D L“CollisionCrashDesign-oriented
- Meat industryForeign Workers – RightsHealthcare
- PersonalizedPast: Sit & Listen vs. No, You Sit & ListenTraditional ways of segmenting people into age groups, Elderly are not those who sit waiting to kick the bucket … hit the floorGreener, Self-Serving, Have a Say
- Less or no debtMore timeMore wealthLee familial responsibilities http://editorialexpress.com/cgi-bin/conference/download.cgi?db_name=ACE2005&paper_id=164
- BlogsReviews: Forums, blogs, twitterComplaintsDesigns: Soda, NikeIDTraditional ways of segmenting people into age groups, Elderly are not those who sit waiting to kick the bucket … hit the floorGreener, Self-Serving, Have a Say
- http://www.nytimes.com/2010/03/10/your-money/credit-and-debit-cards/10overdraft.html
- Second wave – fueled by you