Autore: Consumer Choice Center

Buy Malaysian: Lock-in local

“WHY shouldn’t I? It’s flavourful, suited for local taste buds and relatively cheaper,” says 28-year-old Noraina Salam, an engineer from Shah Alam, when asked if she prefers local coffee over an imported brand.

“While I will go for anything good, there are just some local brands I prioritise for things such as food, clothing and appliances. You know that chocolate wafer with the red wrapping? I like that one.

“If imported goods are getting expensive, then buy local,” says Noraina, who is among a growing number of Malaysian consumers appreciating local goods.

For consumers like Noraina, buying local is more than just a preference; it’s becoming a practical response to rising import costs and global economic uncertainty.

With the increasing likelihood of a global trade war driving up the cost of imported goods further – especially with US President Donald Trump’s “reciprocal tariff on every nation of the world” expected to be imposed on April 2 – many Malaysians, like Noraina, are re-evaluating their purchasing decisions. While Malaysia may not face direct tariffs, prices will be affected, and consumer groups are highlighting the opportunity for local industries to step up and meet demand.

Several consumer associations note that Malaysia already has competitive sectors, including food and electronics, both in price and quality.

“But buying Malaysian-made goods can strengthen local industries, create jobs, and cut reliance on imports, especially during global trade uncertainty,” says Tarmizi Anuwar, country associate for Malaysia at the Consumer Choice Centre.

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Digital Vendors Demand Equal Opportunity in E-Invoicing Policies

SMALL businesses nationwide are preparing for a major transition as Malaysia moves towards mandatory e-invoicing.

Beginning July 1, all taxpayers, including micro, small, and medium enterprises (MSMEs) – both brick-and-mortar and online – are required to implement e-invoicing.

While digital transformation is essential for economic progress, many micro-entrepreneurs and small traders face immediate challenges in adapting to the new system.

To ease the transition, the government has exempted physical businesses with annual sales below RM150,000 from e-invoicing requirements.

However, this exemption does not extend to online sellers regardless of their revenue size – a regulatory inconsistency that has sparked concern among industry groups and small business owners.

Towards this end, the Small and Medium Enterprises Association (SAMENTA) has urged the government to raise the exemption threshold to RM300,000, thus aligning it with the official definition of micro-enterprises.

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Tort reforms bringing benefits to average Floridians, consumer group’s report finds

Florida insurance premium costs are dropping, the number of civil lawsuits being filed is decreasing, “nuclear verdicts” are becoming less common and more insurers are entering the Sunshine State, a new study on the impact of tort reforms concluded.

The study from the advocacy group Consumer Choice Center found that the trends affecting Florida consumers in the wake of the enactment of House Bill 837 in 2023 and other reforms have been positive. HB 837 provided more transparency about medical damages during trials, barred plaintiffs who are more than 50% at fault for an injury from recovering damages, eliminated one-way attorney fees in insurance claims and redefined what constitutes “bad faith” by insurers in addressing claims.

The study, which was released this month, found that although there has been an increasing risk of severe weather such as hurricanes, inflation in building material costs and rising litigation costs in recent years, the state is currently enjoying a “a quantifiable reduction and stabilization” in property insurance rates.

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RFK Jr. Wants To Ban Food Dyes. Would That Really Improve Public Health?

In a recent closed-door meeting with the CEOs of several major food companies—including PepsiCo, General Mills, Smucker’s, Kraft Heinz, and Kellogg’s—Health and Human Services Secretary Robert F. Kennedy Jr. implored the industry to eliminate artificial food dyes from their products. The secretary “expressed the strong desire and urgent priority of the administration to remove” artificial coloring from the food supply, disse Melissa Hockstad, president and CEO of the Consumer Brands Association, in a readout reported by Food Fix

In 2023, California became the first state in the country to ban Red 3 in foods, along with three other additives. A year later, the Golden State barred another six food dyesfrom being served in the state’s public school lunches.  

Kennedy and other sostenitori of these bans cite studies that suggest synthetic dyes can potentially be cancerous. Other reports have linked these additives to hyperactivity in some children.

But critics litigare these studies don’t reflect real-world consumption levels. “The cancer-causing ‘links’ found in studies are based on dangerously high doses given to lab rats in amounts no human would ever consume, even if they ate a whole box of cereal or pack of hot dogs,” says Bill Wirtz, a senior policy analyst at the Consumer Choice Center. “Banning food dyes is a performative regulatory action. All dyes currently used by manufacturers do not pose a known health risk to consumers.”

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Consumer Choice Center says Floridians are reaping ‘tort reform’ benefits

Consumer advocacy group and think tank Centro di scelta dei consumatori says the benefits of 2023’s major tort law rewrite have started reaching everyday Floridians.

UN primer politico published by the organization says HB 837 — a marquee bill of the 2023 Session — has proved “worthwhile,” citing “steady insurance rates, transparency in medical costs at trial, reduced litigation, and spurred innovation and competition.”

The legislation, backed by insurers and the business lobby, made sweeping changes to laws governing how lawsuits are filed and litigated in Florida. Backers long pointed to litigation costs as the primary driver for rising insurance premiums. Before the legislation was enacted, the Florida Chamber of Commerce said Floridians were paying a $5,000-per-year “tort tax,” by way of higher prices and premiums.

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Call To Exempt Small Online Businesses From E-invoicing Requirements 

The Consumer Choice Center (CCC) has called on the Government to review and amend Malaysia’s e-invoicing framework, urging authorities to exempt small online businesses earning RM150,000 or less annually.

Under current policy, small physical businesses with similar revenue thresholds are exempt, but online businesses are still required to comply with e-invoicing obligations. CCC argues that this disparity places unnecessary burdens on small digital entrepreneurs, potentially increasing costs for consumers and limiting market variety.

Malaysia Country Associate at CCC, Tarmizi Anuwar, said, “As a consumer association, we are deeply concerned that the current e-invoicing policy unfairly penalises small online sellers, many of whom are everyday Malaysians trying to earn an honest living. It is not reasonable that small physical shops are exempt, yet online businesses operating at the same scale are forced to bear additional compliance costs and administrative burdens.”

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There is no such thing as chemical-free food – there never has been and there never will be’

Chemicals are inherently perceived as bad, while substances of natural origin are seen as positive. Laypeople generally disregard the dose of a toxic substance altogether and classify even the smallest amounts of pesticides as dangerous – for example, chemical residues in their food – without any justification. 

An ORF report addresses the complex challenges associated with the various residues on our plates. In addition to synthetic pesticides, the report also identifies mycotoxins in grain and natural toxins as serious threats to nutritional health. It shows once again that natural substances can be highly toxic, while synthetically produced substances are often harmless.

And crop protection products are often essential. In the ORF report, Austrian farmer Lorenz Mayr gets to the heart of the matter: ‘Without crop protection products, the field would become barren in no time. If the fungal infection is severe, it will penetrate the tubers and cause them to rot.’ A total crop failure would be the direct result. Mayr explains that the use of pesticides is essential. He has to adhere to strict guidelines: ‘There are strict rules about when pesticides can be used. The main thing is that we can protect our plants from disease so that we can produce food for Austrian production.’

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Up and about Trump’s tariffs: Cheaper foods for Malaysia?

BAKER Nuradilla Hamdan is concerned about the ripple effects of the United States’ recent and impending tariffs on imports from several countries.

The 28-year-old single mother from Cheras worries that the rising costs of imported ingredients, such as butter, may eventually force her to raise the prices of her cakes.

“In my five years as a baker, I’ve learned that price increases can be unpredictable. I’m already paying more for butter and wheat flour, which means my cakes are becoming more expensive. But I can’t keep passing the cost onto my customers,” she says.

The US recently imposed a 25% tariff on imports from Mexico and Canada, along with a 10% increase in duties on Chinese goods, which came into effect on March 4. US President Donald Trump has also announced reciprocal tariffs on the rest of the world, to come into effect on April 2.

This has raised concerns about the potential impact on Malaysian food security and affordability, particularly as Malaysia imports over 60% of its food needs.

Beyond price hikes, experts warn that escalating trade wars could fuel global protectionism. Adding to the uncertainty is the unpredictable nature of US tariff policies – just last week, Trump signed orders significantly expanding exemptions for goods from Canada and Mexico, leaving policymakers scrambling to adapt to shifting trade conditions. (Then at press time Trump threatened other new tariffs, including a 250% tax on Canada’s dairy products.)

Nevertheless, some Malaysian economic and geopolitical experts believe the new tariffs could indirectly benefit Malaysia if affected countries shift their trade focus to this region.

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Kenaikan caj minimum kurier untungkan siapa?

Keputusan kerajaan memperkenalkan garis panduan harga rujukan bagi perkhidmatan kurier yang berkuat kuasa pada 1 Dis lalu menimbulkan persoalan utama: siapa yang sebenarnya dilindungi oleh dasar tersebut? 

Dengan kenaikan harga minimum penghantaran bagi bungkusan di bawah 2kg daripada RM4 kepada RM5, maka pengguna – terutamanya perniagaan kecil dan peniaga dalam talian – bakal menanggung beban kos yang lebih tinggi.

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States must step up as fate of consumer watchdog CFPB remains in doubt

The future of the Consumer Financial Protection Bureau, the independent agency charged with for enhancing consumer protections and fighting financial harm, remains unclear, as the current administration works toward potentially dismantling the bureau.

A judge has already halted efforts to fire CFPB employees, return funds, and delete data or records pending a preliminary injunction hearing for March 3. Advocacy organizations have expressed concern over the long-term consequences of what this means for the future, especially as the agency’s enforcement activities have returned $19 billion to consumers.

“Consumers depend on the CFPB to be the cop on the beat to protect them from fraudsters,” said John Breyault, vice president of public policy, telecommunication, and fraud, at National Consumers League.

But as consumers wait on the outcome of the bureau’s future, where can they turn when they are victimized?

Advocates say a lot of the work will be up to the consumer and the states in which they reside.

“State attorneys general play a critical role in protecting consumers in their states,” Breyault said.

Each state has a consumer protection office tasked with investigating scams, fraud, and handling complaints against businesses. But, per a January report released by the CFPB, which has worked jointly with states to protect consumers, they recommend that states update their laws and regulations to keep pace with evolving risks.

Despite what’s happening with the CFPB, Breyault encourages consumers to continue filing complaints with the CFPB.

“They are accepting complaints,” he said. But he is unsure who is triaging those complaints and whether there will be any action, and advises against sharing sensitive information such as bank account numbers when filing a complaint.

Yaël Ossowski, deputy director of the Consumer Choice Center, said that in addition to state attorneys general, consumers can pursue legal remedies via state banking commissions, private rights of action, and the Commissione federale del commercio.

“Even with a restrained CFPB, consumers can continue to protect themselves from frauds and scams by staying vigilant and using technological tools and verification to avoid sending money or payments to unauthorized recipients,” Ossowski said. “Hackers and fraudsters are very sophisticated, and unfortunately many are criminal actors abroad, but consumer education is the key to stopping the fraud.

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Tariffs on Imports From Canada and Mexico Are Still a Terrible Idea

During a cabinet meeting on Wednesday, President Donald Trump acknowledged that Americans don’t like high prices.

“We have to get the prices down,” Trump detto reporters. “The prices of eggs and various other things. Eggs are a disaster.”

Part of his administration’s solution to the high price of eggs? More imports. As part of a $1 billion plan to combat the bird flu, the U.S. Department of Agriculture (USDA) announced this week that it would seek to expand imports of eggs, Il giornale di Wall Street rapporti.

The U.S. is a major global supplier of eggs, so reversing those supply chains is not easy (and eggs are perishable goods, which makes it more difficult), but the maneuver is evidence that at least some members of the Trump administration grasp that prices are the result of supply and demand. A sudden constraint on supply—in this case, the bird flu—has pushed prices higher, and finding alternative suppliers might help ease the pain.

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Lee introduces the Saving Privacy Act for 119th Congress

Senator Mike Lee (R-UT) introduced the Saving Privacy Act, a bill to end government abuse of Americans’ financial information. For years, federal agencies have been overreaching in their surveillance, collecting vast amounts of personal financial data from law-abiding citizens without just cause. Senator Rick Scott (R-FL) is an original co-sponsor of the bill.

The federal government has no business surveilling the financial activities of millions of innocent Americans,” said Senator Lee. “The current system erodes the privacy rights of citizens, while doing little to effectively catch true financial criminals. My Saving Privacy Act ensures that Americans’ personal information is protected and that government agencies operate within the bounds of the Constitution.

Il governo grande non ha posto nelle finanze personali degli americani rispettosi della legge. È un'enorme invasione del governo e una grave violazione della loro privacy.,” said Senator Rick Scott. “"Ecco perché sto collaborando con il senatore Lee, così possiamo proteggere per sempre le finanze personali degli americani. Il nostro Saving Privacy Act consentirà alle agenzie federali di perseguire i criminali, proteggendo al contempo i dati degli americani innocenti. Questa è una legislazione di buon senso e sto esortando i miei colleghi a sostenere la sua immediata approvazione", ha spiegato.

“For decades, outdated banking regulations have subjected citizens to excessive financial surveillance, compelling institutions to enforce intrusive measures that directly led to the debanking of innocent Americans spending their own money. The Saving Privacy Act offers comprehensive reforms, striking a balance that restores consumer rights, establishes sensible standards for innovators while curbing illicit activities, and reinvigorates the commitment to sound consumer financial privacy. –Yaël Ossowski, Deputy Director at the Consumer Choice Center.

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