Podcasts about cfbp

The White House is not requesting an increase in pay for federal employees in fiscal 2026. President Donald Trump released more details of his budget request for next year late Friday afternoon. The appendix section of the budget proposals also includes provisions to continue the pay freeze for certain career Senior Executive Service members and political appointees. In all, the new budget document details more specific discretionary spending requests for each agency. Unlike the "skinny" budget released in early May, the administration did include funding requests for OPM, Education and independent agencies like CFBP.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The CFBP went after a company because they didn't like what the owner said on a radio show and not because of any kind of discrimination plus the woke right is exactly like the woke left. Both need to be tossed in the trash heap. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn what a CFBP shutdown could mean for consumers, plus how to financially manage a cross-country move — including whether to rent or sell your home. What happens if the CFPB is shut down? Should you sell or rent out your home when moving to a new city? Hosts Sean Pyles and Elizabeth Ayoola discuss the financial decisions involved in relocating, including managing moving expenses and deciding whether to keep or sell a home. But first, NerdWallet Senior News Writer Anna Helhoski joins Sean and Elizabeth to discuss the potential shutdown of the Consumer Financial Protection Bureau and its impact on consumer rights. Anna interviews Chuck Bell, the program director for advocacy at Consumer Reports, about the CFPB's role in protecting consumers and what its potential closure could mean for financial regulations and consumer rights. Then, NerdWallet writer Lisa Green joins Sean and Elizabeth to talk to David, a listener with questions around the financial and logistical challenges of a cross-country move. They discuss key considerations for renting versus selling a home, the financial implications of becoming a long-distance landlord, and strategies for covering a down payment on a new home. The Nerds also share insights on budgeting for moving costs, including how to decide between hiring professional movers, using a service like PODS, or selling furniture before relocating. Learn about down payments and calculate how much to put down on a house: https://www.nerdwallet.com/article/mortgages/down-payment-calculator In their conversation, the Nerds discuss: cross-country move, sell or rent your home, moving costs, budget for moving, moving expenses, renting out your home, financial planning for moving, real estate investments, property management, home equity loans, HELOC, down payment options, mortgage planning, financial decisions, house rental income, home selling process, cost of moving, moving truck vs movers, PODS vs U-Haul, rental property management, tax implications of renting, home value appreciation, moving to a new state, moving savings tips, renting vs owning, budgeting for relocation, moving with kids, tax write-offs for landlords, credit score for mortgage, home selling costs, home loan options, financial impact of moving, travel expenses, best way to move furniture, and moving insurance. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

Our podcast show today features John Culhane and Mike Kilgarriff, partners in Ballard Spahr's Consumer Financial Services group. They discuss what supervision and enforcement will look like under a new acting director/director appointed by President Trump. This episode is a repurposing of the second half of a webinar that was produced on January 6. On January 23, we released the first half of the webinar, which consisted of Alan Kaplinsky's “fireside chat” with Kathy Kraninger, the former Director of the CFPB during Trump 1.0., linked here. With respect to supervision, we consider, among others, the following issues with respect to the CFPB's leadership under Trump 2.0: (a) Will it be business as usual or more relaxed? (b) Will it focus on compliance with the Federal consumer financial services laws and less on UDAAP? (c) Will there be reduced staffing and fewer exams? (d) Will there be fewer PAAR letters and more use of MRAS and MRIAs? With respect to enforcement, we consider, among others, the following issues with respect to the CFPB's leadership under Trump 2.0: (a) Will there be an exhaustive review of all existing investigations and lawsuits and a dismissal of those which involve “regulation by enforcement” or “pushing the envelope”? (b) Will they focus more on fraud and scams and less on UDAAP? (c) What position will they take on whether the CFPB has been unlawfully funded because the Federal Reserve Banks have had no combined earnings since September 2022? Alan Kaplinsky, Senior Counsel and former chair for 25 years of the Consumer Financial Services Group, hosts the discussion.

Welcome back to the Konfidence in the Klutch Podcast with Donald Nelson (2:25).  Konfidence in the Klutch's Deezus gives his thoughts about Drake's lawsuit vs UMG: is it a win and excellent business move for contract leverage?  Or the final nail in the coffin for his hip-hop loss of credibility? (3:50).  He then gives his thoughts on President Trump's executive orders.  He then agrees with President Biden's last-minute pardons (11:40).  He gives his NFL Divisional round notes and gives his Super Bowl matchup (18:45). Then he talks NBA news with a two-pack: CP3 wanted Wemby to attempt the jump ball, Maverick Carter is seeking funding for an international basketball league.  This is genius for LeBron and the NBA (21:45).  Deezy gives his quick ones: Georgia wins the CFBP, Dawn Staley is the highest-paid women's college coach, Unrivaled league debuts to great reviews (30:00).  This podcast was recorded at 7:30 p.m. CT on Tuesday, January 21st, 2025.  Host: Donald Nelson Producer/Engineer: Donald Nelson Music by: Konfidence in the Klutch Productions Subscribe, Stream, or Download:

Braga, King, and Ski talk: :15: Xmas cookies vs Thanksgiving meals, ZYN pushers, checking in with JC. 17:41: If anyone can beat THIS Ohio State, peak CFBP overreactions, Oregon's inevitability and efficiency, comparing Oregon and tOSU's WRs. 44:50: B1G bowl lines. 1:16:26: Top 3 Xmas gifts.

Players hit the portal this week. Who were the big winners and who still has work to do? I share my Top Five portal moves so far, plus we break down more portal news and coaching changes.  And we've got our playoff picks for you today too. Who is gonna win it all? Sound off in the comments. Title Sponsor: WICKLES PICKLES: Wickedly delicious. Head to wicklespickles.com for products, recipes, and merch. This episode is also brought to you by: BLUE DELTA JEANS: Top of the line, custom denim. Go to bluedeltajeans.com BETTER BUSINESS BUREAU OF ALABAMA Learn more about your ad choices. Visit podcastchoices.com/adchoices

Thanks for listening to The Morning Five! As always, you can become a subscriber and support our work over at Substack. Subscriptions fuel this podcast and helps fund the dozens of hours we put into this podcast and our content each week. Use this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wearweare.substack.com/subscribe ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thanks for listening, rating/subscribing Wear We Are on your favorite podcast platform, and following/liking The Center for Christianity and Public Life (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@ccpubliclife⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Michael's new book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Spirit of Our Politics: Spiritual Formation and the Renovation of Public Life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, is now available! You can order on Amazon, Bookshop.org, Barnes & Noble, or at your favorite local bookstore. Join the conversation and follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelwear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MichaelRWear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tsfnetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Music by: King Sis #politics #faith #religion #religious #culture #news #prayer #scripture #SCOTUS #CFPB #courts #2024 #Trump #Biden #Iran #Russia Learn more about your ad choices. Visit megaphone.fm/adchoices

Where does Notre Dame fit into an expanded college football playoff? Mike Golic Jr. joins the show to discuss with Cole Cubelic, plus the overall NCAA landscape and, of course, a convo about food. Plus Cole addresses the latest staff turnover at Georgia.  Title Sponsor: WICKLES PICKLES: Wickedly delicious. Head to wicklespickles.com for products, recipes, and merch. This episode is also brought to you by: BLUE DELTA JEANS: Top of the line, custom denim. Go to bluedeltajeans.com PRIZEPICKS: Go to PrizePicks.com/CUBE and use code CUBE for a first deposit match up to $100! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Shooting the Shmitt host, Jonathan Smith, is joined by Taylor Langston on STS to discuss everything going on in the world of sports. Get full access to Jonathan's Substack at shootingtheshmitt.substack.com/subscribe

Do you hate hidden hotel, housing, airline, ticketing, banking, and other corporate fees? Do you want Congress to do something about them? In this episode, learn about the wide range of unreasonable fees being reported to Congress during hearings and examine what proposals could have bipartisan support. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes FTC Authority Ronald Mann. Apr 23, 2021. SCOTUSblog. Supreme Court of the United States. April 22, 2021. Junk Fee Overview Ashish A. Pradhan. May 19, 2023. The National Law Review. Will Kenton. January 24, 2023. Investopedia. Brian Deese et al. October 26, 2022. White House Briefing Room Blog. October 20, 2022. Federal Trade Commission. Brian Canfield et al. July 7, 2021. Institute for Policy Integrity, NYU School of Law. Internet *Federal Communications Commission Healthcare August 8, 2022. Federal Trade Commission. Banking/Payments Lindsey D. Johnson. July 26, 2023. Consumer Bankers Association. July 11, 2023. Consumer Financial Protection Bureau Newsroom. Offices of Consumer Populations and Markets. May 23, 2023. Consumer Financial Protection Bureau. October 26, 2022. Consumer Financial Protection Bureau Newsroom. September 28, 2022. Consumer Financial Protection Bureau Newsroom. August 16, 2022. Pennsylvania Office of Attorney General. August 16, 2022. U.S. District Court for the Eastern District of Pennsylvania. Joe Valenti. March 30, 2022. * Consumer Financial Protection Bureau Blog. January 26, 2022. Consumer Financial Protection Bureau Newsroom. December 7, 2020. Consumer Financial Protection Bureau Newsroom. December 28, 2018. Pennsylvania Office of Attorney General. Housing July 19, 2023. White House Briefing Room. March 14, 2023. National Consumer Law Center. Jennifer Ludden. January 13, 2023. WBUR. Airlines Reid Bramblett. Frommer's. Suzanne Rowan Kelleher. Mar 7, 2023. Forbes. U.S. Department of Transportation. U.S. Department of Transportation. December 13, 2022. U.S. Department of Transportation. November 2022. Statista. Rosie Spinks. June 1, 2018. Quartz. May 2011. Jones Day. Hotels November 17, 2021. Pennsylvania Office of Attorney General. Christina Jelski. Mar 12, 2021. Travel Weekly. November 28, 2012. The Federal Trade Commission. Ticketing June 20, 2018. U.S. House of Representatives. Anne Bucher. June 13, 2018. Top Class Actions. “Susan Wang and Rene' Lee v. StubHub, Inc. Case” [No. CGC-18-564120]. The Superior Court of the State of California, County of San Francisco. Cars June 23, 2022. Federal Trade Commission. Laws Bills Audio Sources July 26, 2023 Senate Committee on Banking, Housing, and Urban Affairs, Subcommittee on Financial Institutions and Consumer Protection Witnesses: Attorney General, Commonwealth of Pennsylvania Director of Housing Advocacy, Atlanta Legal Aid Society Manager Director, Patomak Global Partners Clips Michelle Henry: In the consumer finance space, we recently filed a multi-state lawsuit against Mariner Finance, a Wall Street private equity-owned installment lender. Our lawsuit alleges that Mariner charged consumers junk fees for hidden add-on products that consumers either did not know about or did not agree to buy. These hidden add-on products, such as credit insurance and auto clubs, are typically low- or no-value products. Consumers left Mariner believing that they had entered into an agreement to borrow and repay over time a certain amount of money. In reality, because of these hidden junk fees, Mariner added hundreds to thousands of dollars to the total amount a consumer owed. The cost of the junk fees is staggering. For a random sample of loans originated in Pennsylvania in December of 2020, Mariner charged each consumer an average of $1,085 in junk fees for an average of $3,394 in cash borrowed. Michelle Henry: We also had a significant junk fee settlement in 2018 with Wells Fargo. This settlement stemmed from Wells charging its auto finance customers millions in junk fees. Despite evidence that many customers already had the required car insurance, Wells improperly charged more than 2 million accounts for force-placed insurance. To resolve the multi-state action, Wells agreed to pay states $575 million. Michelle Henry: In 2021, we announced the landmark junk fee settlement with Marriott International. For many years, travelers had been misled by the published rates offered by hotels for a night stay, only later to be hit with the mandatory resort fees when they were checking in. Thanks to our settlement, Marriott now has a policy in place to be upfront and transparent in the disclosure of mandatory fees, including resort fees, as part of the total price of a hotel stay, allowing consumers to compare total costs for hotels and find the one that is the best fit for them. Marriott was the first hotel chain to formally commit to the upfront disclosure of resort fees as part of the initial advertised price. We hope others will follow. Michelle Henry: In the end, what we are fighting here for is basic fairness and transparency. When consumers are shopping online or in person, they deserve to understand what a loan, a house, or a vacation will cost and exactly what key terms they're agreeing to. At the same time, all businesses deserve to compete on an even playing field, where the price is the price with no hidden surprise fees. Lindsey Siegel: My name is Lindsay Siegel and I'm the Director of Housing Advocacy at Atlanta Legal Aid, which provides free civil legal services to families with low incomes in the metro Atlanta area. Today, I will focus on the rental housing market and how predatory and hidden rental fees gouge families living in poverty and make their rent even more unaffordable than it already is. Miss Dixon is a single mother who found an online listing for an apartment in the fall of 2020. The advertisement said it rented for $1,400 per month. It did not list any other monthly fees she would be required to pay. She applied and paid $525 through the landlord's online portal, which covered her $50 application fee, a $175 moving fee, and a $300 screening fee, all of which were non-refundable. She was not able to see the lease or the apartment she'd be renting, but she knew if she did not pay sight unseen she would lose the apartment. And when her application was approved a few weeks later, the landlord charged her another $200 approval fee. She finally received and signed a copy of her lease just two days before she was slated to move in. It was 50 pages long and contained to eight different addenda. She had expected to pay her rent and for water. She didn't expect to be responsible for a package locker fee, a trash removal fee, a separate valet trash fee, a pest control fee, a technology package fee, an insurance fee, and a credit reporting fee. When the fees added up, $83 had been tacked on to her monthly rent. And to make matters worse, Miss Dixon's landlord did not accept the rent by cash, check, or money order. When she paid through the landlord's online portal she was charged another $72-per-payment convenience fee. The low income renters Atlanta Legal Aid represents have an extreme power imbalance with their landlords. The high demand for rental housing, especially at the more affordable end of the market, makes some landlords believe they can easily get away with unfair and deceptive lease terms and rental practices. The bait and switch Miss Dixon experienced where the landlord advertise the rent as one price only to raise it much higher with junk fees after she had spent hundreds of dollars up front is a far too common practice of many investor landlords in the Atlanta area. Low income renters like Miss Dixon become trapped. She couldn't afford to walk away from a predatory lease two days before she was supposed to move in, even if she realized it would be unaffordable. Of particular concern are the use of high application fees. They often far exceed the cost of running a report, and most renters have to pay them several times before finding a home to rent. We've heard reports that some institutional landlords even collect application fees after they've found a renter for an available home. Brian Johnson: The focus of the President's initiative has been on applying political pressure to companies to induce them to change their fee disclosure practices. In the process, the White House and supporting agencies have dismissed broad categories of fees as junk without ever providing any consistent definition of the term, which has created uncertainty as to which fees can be assessed by institutions without undue reputational or regulatory risk. Brian Johnson: The CFPB has been the most enthusiastic among regulators in heeding the President's call, indiscriminately attacking a growing list of common financial service fees, no matter that they are lawful and fully disclosed. Brian Johnson: The agency has publicly hectored companies about deposit account fees and used the implied threat of investigation to induce such companies to abandon these legal fees. Further, in addressing other fees, the CFPB appears appears to have violated its own regulations and laws governing how agencies proffer rules by disguising interpretive rules as policy statements in bulletins and issuing circulars that function as legislative rules. In another instance, under the guise of interpretation, the CFPB read a word into a statute to achieve its desired policy outcome. In still another, the agency treats the rulemaking process as a foregone conclusion, acting as though a still proposed rule has already taken effect, signaling that the agency has no interest in considering public comments, establishing an adequate evidentiary basis to support its conclusions, or considering potential changes to improve the rule. These examples demonstrate an abuse of power and the agency's disregard for process and the limits placed on it. Moreover, the CFPB's behavior subverts the authority of Congress to oversee the agency and legislate the legality of fees in our financial marketplace. Simply put, it's not playing by the rules. Lindsey Siegel: So I think the federal government does have a role to play. The CFPB could create best practices, investigate junk fees further -- especially those being charged for tenant screening reports -- could bring enforcement actions against debt collectors that engage in collection practices that violate the Fair Debt Collection Practices Act in their collection of rental debt especially includes collection of junk fees. And certainly, you know, HUD could further study and address the disproportionate impact of these practices on renters and rental applicants of color. Lindsey Siegel: Tenants living in Atlanta have a very hard time finding a rental, finding a home, that's not owned by a corporate landlord at this point. They have bought up many properties in the Atlanta area and they always seem to be working in lockstep so that once one institutional landlord is charging a certain kind of fee then another one tends to charge it as well. Just one example of this is the proliferation of landlords charging for insurance fees, and often tenants will think that these are renters insurance because they're often called renter's insurance. But it's not like traditional renter's insurance that protects the renter and their property if it's destroyed. What it does is protect the landlord and doesn't really provide a benefit to tenants at all. And we've seen that proliferate with investor landlords in particular. Sen. Thom Tillis (R-NC): I can't imagine any reasonable member of Congress not saying, "I want the person to know what their financial obligation is when they sign an instrument, not after they read page 10 in the fine print." Sen. Thom Tillis (R-NC): I'm less caught up in whether or not a trash collection fee is appropriate or not, and more caught up in, does that renter know at the point in time they're signing a lease what they're expected to pay every month? Michelle Henry: We often see things bleed over state lines and boundaries, as you are well aware, and so it's important that we work together to enforce these matters. Sen. Raphael Warnock (D-GA): How often do these kinds of cases cross state lines? And would having federal standards against these types of hidden fees make these cases easier to bring? Michelle Henry: Almost always. And I think that's critical. Where we have been most successful is joining with our fellow states, other attorneys general, partnering with them, and including the CFPB. In December of 2020, the CFPB, with all 50 states and the District of Columbia, filed enforcement action against Nationstar mortgage, again for deceptive practices, for not being transparent when they were servicing borrowers mortgages, and as a result of that joint effort we were able to obtain a settlement of $73 million and brought aid to 40,000 borrowers. Michelle Henry: You know, the reality is a lot of times consumers get misled. So they start, they're looking on the internet, they're trying to do due diligence and look for the best price, whether it's for a hotel, a vacation, and they're in there examining it, and they get led to a certain area of a certain website thinking that's the best price. And they go down this rabbit hole where they have no idea at the end of it that the price they thought they were going to pay for a hotel stay with their family is actually far larger because of fees that they weren't prepared, were not properly advised of, and at that point, they're so far in or they never discover it. So no, I don't think they understand exactly what to be aware of. We're trying to do our best to educate but far more work needs to be done, and I applaud this committee for working on it. Sen. Raphael Warnock (D-GA): If more federal agencies had the authority to address these hidden fees, how would that affect your office's capacity? Michelle Henry: It would help tremendously. Sen. Raphael Warnock (D-GA): Thank you so very much. Michelle Henry: If history is any lesson, we know that they can't be trusted to act in the best interest of consumers on their own. Look, they're in the business of making money for their shareholders and we need robust consumer protection rules and enforcement to ensure that. Sen. Thom Tillis (R-NC): So what we're talking about here is not the "what," it's the "how." And I for one do not think that the regulator's who have demonstrated pushing the boundaries of their authority, giving them more authority is a good idea if we're coming up with a real bipartisan sustainable solution. Sen. Thom Tillis (R-NC): The problem we have here too, when we transfer power out of Congress to another branch, yes, that changes every four years or so. So you may be thrilled with a regulatory regimen that comes out from the CFBP today, but because of the way they behaved, it'd be one of the first things I would work to repeal if the administration changed and withdraw it. Sen. Thom Tillis (R-NC): I'd like to submit for the record a letter from the Consumer Bankers Association on the subject. Sen. Thom Tillis (R-NC): Mr. Johnson, can you talk about the effect of the method that the CFPB is using to go after this and the impact that it can have, the negative implications that has? Is the CFPB's tendency to name and shame business institutions to avoid certain practices or adopt new ones effective regulation? They're not really thinking through the full impact and all the potential unintended consequences. Can you think of any example under this current leadership of the CFPB where they have taken that into consideration? Can you speak a little bit about the efforts and the length the CFPB goes in an effort to avoid judicial review and skirt the APA process? June 8, 2023 Senate Committee on Commerce, Science, and Transportation: Subcommittee on Consumer Protection, Product Safety, and Data Security Witnesses: Chief Executive Officer, National Consumers League Bruce Greenwald Professor of Business, Marketing Division, Columbia Business School George Mason University Foundation Professor of Law, Antonin Scalia School of Law, George Mason University Clips 21:35 Sen. John Hickenlooper (D-CO): Simply put, these are fees that are disclosed to a consumer midway through or at the end of a transaction, or they're fees that serve no tangible purpose for a consumer, like a processing fee, and that they are mandatory or unavoidable. 28:00 Sen. Marsha Blackburn (R-TN): The way I look at this issue, and the way many Tennesseans look at it, is this is another way for the FTC, the CFPB, DoT, and all these regulators to clamp down on businesses and try to micro manage businesses. 30:42 Dr. Vicki Morwitz: as a strategy where firms decide to divide a product's price into two or more mandatory parts, a base price for the main product and one or more mandatory surcharges, rather than charging a single all-inclusive price. For example, many hotels have a mandatory fee on top of the daily room rate. These are sometimes called resort fees, or facility fees, or destination fees and can range from $20 to over $50 a night. And many rental car agencies assess several mandatory fees on top of the daily rental rate, such as concession recovery fees, customer facility fees, energy recovery fees, and vehicle licensing fees. 31:20 Dr. Vicki Morwitz: In general, what research on partition pricing has shown is that when firms separate out mandatory surcharges consumers tend to underestimate the total price they'll have to pay and they're often more likely to complete the purchase. 31:50 Dr. Vicki Morwitz: With drip pricing, firms advertise only part of our products' price upfront and reveal other charges later, as shoppers go through the buying process. Drip fees can be mandatory or can be for optional items, but for today's testimony I'll focus on the dripping of mandatory surcharges. Drip pricing is commonly used in industries like the cable TV and the ticketing industries. When a consumer shops for a TV-Internet bundle from a cable television provider, they may first see an attractive base price offer for the bundle, but later learn there are also broadcast TV fees, set top box fees, regional sports fees, and TV connection fees that raise the price considerably. And a consumer shopping for a ticket for a live event, like a concert, a play, or a baseball game, typically first sees the price for different seats in the venue. After selecting a seat, as the consumer clicks through more webpages, they may come to learn there's also a mandatory booking fee, ticketing fee, venue fee, and delivery fee, even when the tickets are delivered electronically. Eventually, they see a total price that may be much higher than the first price they saw and they may be under time pressure to complete the purchase, as there might be a countdown clock that indicates they have to complete their purchase in just a few minutes. Or they may be told there's only two seats left at that price. 33:00 Dr. Vicki Morwitz: What research has shown is that when surcharges are dripped, consumers end up being more likely to buy a product that appears cheaper upfront based only on the base price, but that's more expensive and total given the drip fees. Consumers also tend to buy more expensive products than they otherwise would, such as a seat closer to the stage for a live event. 35:00 Dr. Vicki Morwitz: These policies will benefit consumers if they require that upfront stated prices must be all-inclusive. In other words, all mandatory fees must be included in the total price and that the total price should be seen upfront. This is what academic research suggests will be most beneficial to consumers. 39:20 Dr. Todd Zywicki: Everybody knows bags fly free on Southwest, everybody knows bags don't fly free on the legacy airlines, everybody knows there's going to be a fee for for bags on the other airlines and the like. Maybe there's ways you can disclose it, but nobody's fooled at this point. 42:45 Sally Greenberg: If consumers hate junk fees so much, why do companies large and small increasingly impose them? The answer is, unsurprisingly, because they are a substantial profit center. 43:20 Sally Greenberg: Late payment fees charged by banks and credit cards cost American families an estimated $12 billion annually. These fees, which can be as much as $41 for each Late Fee Payment, far exceed the cost to the issuer for processing and do little to deter future delinquent payments. 43:40 Sally Greenberg: Airlines are also poster children for junk fees. Globally, revenue from junk fees, ancillary fees in airline speak, brought in $102.8 billion in 2022. To put this in perspective, junk fees last year made up 15% of global airline revenues, compared to 6% only 10 years ago. 44:00 Sally Greenberg: Anyone who buys tickets to a concert or sporting event is well acquainted with the myriad fees. They're added at the end of the ticket buying process. We have the example that you showed, Senator Hickenlooper. Primary and secondary market ticketing companies charge service fees, order processing fees, delivery fees and other charges that increased ticket prices on average 27% for the primary market and 31% for the secondary market. 45:05 Sally Greenberg: Junk fees themselves are anti-competitive. They make comparing prices more difficult, distorting well functioning marketplaces. Honest entrepreneurs who invest in their businesses, innovate, and strive to create better value for their customers lose business. Action to address the consumer and competitive harm created by junk fees is urgently needed. 45:30 Sally Greenberg: First, we would urge you to support S. 916. It's the Junk Fee Prevention Act, which would require some of the worst abusers of junk fees to display the full price of services upfront, and they would bar excessive fees and ensure transparency. Second, we ask that Congress restore the FTC's ability to obtain strong financial penalties from wrongdoers. The Supreme Court, in 2021, overturned AMG Capital Management v. FTC, wiping out a critical enforcement tool for the commission. S. 4145, which is the Consumer Protection Remedies Act, would restore that ability to impose monetary relief to the commission. And finally, Congress must not allow businesses that trap consumers with unfair and deceptive fees to escape accountability through fine print in their contracts. To that end, we're proud to support S. 1376, the Forced Arbitration Injustice Repeal Act, which would prohibit pre-dispute arbitration agreements from being enforceable if they require arbitration in employment, consumer, antitrust, or civil rights disputes 44:35 Sally Greenberg: Renters, for example, tend to have lower incomes than those who own their homes. These consumers are also some of the most preyed upon by abusive junk fees. A 2022 survey conducted by Consumer and Housing Advocates found that 89% of landlords imposed some rental application fees[[ clare, 8/7/2023 2:09 PM couldn't find this specific survey]], nearly as many renters paid excessive late fees and they also get hit with utility, administrative, convenience, insurance, and notice fees. 51:30 Sen. Marsha Blackburn (R-TN): I'm not hearing from Tennesseans about junk fees. They're just not talking about. They are talking about real economic harm. And I think for some it's been kind of perplexing that we would focus on this issue. I even had one Tennessean say, "Well, what exactly is a junk fee? And what are the economic harms that come to people for fees for discretionary services?" 53:20 Dr. Todd Zywicki: I can't see any reason why people who pay their credit cards on time should have to subsidize people who pay their credit cards late. The evidence is clear on this from the that if you reduce late fees, more people pay late. The makes clear that if you reduce late fees, everybody ends up paying higher interest rates and, and lower income and higher risk borrowers get less access to credit. So most of what we see in the market is efficient. It prevents cross consumer subsidies and a lot of these things that are labeled as junk fees are actually just efficient multi-part pricing. 1:00:30 Dr. Vicki Morwitz: When a larger firm, or really any firm, uses hidden fees or surcharges, it doesn't only hurt consumers, but it hurts well intentioned, honest competitors like many of our country's small businesses that you're talking about. So when a larger firm makes salient a lower base price and only puts in small print or only reveals at the end of the shopping process that there are additional mandatory fees, their product offerings may appear, at least at first, to be cheaper than those of say a small business, an honest competitor who uses all inclusive prices, whose prices at least at first then, will appear more expensive, even if they're actually cheaper in total when the hidden fees of the large firm are added in. Now, research shows this is going to lead consumers to be more likely to even first consider the products and services of the larger firm who uses hidden surcharges because their products seem cheaper. In other words, their supposed low prices draw consumers in. But then having first consider their products consumers will also be more likely to stick with that firm and ultimately purchase their products, even when they're more expensive in total with the fees. So these hidden fees, they don't only hurt consumers by leading them to make purchases that are against their own self interest, but it also hurts honest competitors who are using transparent pricing practices. 1:04:10 Sen. Amy Klobuchar (D-MN): One area of this high excessive fees is ticketing. We had the hearing earlier this year with the president of Live Nation/ Ticketmaster, and other witnesses and as you are aware, the facts are quite startling. It's being reviewed by the Justice Department, including 90% monopoly on ticketing for major NFL, NHL events, 80% for major arena events, and 70% monopoly when it comes to all ticketing. In addition to that, Ticketmaster now owns a number of venues and also locks in a number of other venues that they don't own with their services for in excess of seven years, which is a subject of a bill that Senator Blumenthal and I have introduced, because this locking in makes for even less competition. And then finally, Live Nation promotes the act. So it's like a three cornered monopoly. 1:12:30 Sally Greenberg: Yes, you may know that you have a baggage fee, but there are many people who are older, who have disabilities, who may have children with them; they cannot be carrying their bags onto the airplane. So they are forced to eat the cost of a $35 fee, something that used to be free before, and has jammed our airplanes full of luggage up top, creating hazards for flight attendants as well. 1:13:55 Sally Greenberg: We certainly support the Good Jobs for Airports Act. I think many consumers had no idea that a lot of these workers were not making minimum wage[[ clare, 8/7/2023 2:08 PM couldn't find a source for this.]], were relying on tips. And many people who use the wheelchairs and the curbside baggage services did not know that people were living on tip wages and many people don't tip, as some of us who've been tipped workers know. Tipping is very up and down and certainly not a reliable source of income. So yes, we very much appreciate that legislation and it's long overdue. 1:21:20 Dr. Todd Zywicki: Junk fees is a meaningless term, but it's worse than meaningless. It's actually pernicious, which is that by sort of using this blanket conclusory label, it obscures the complexity of this, the difference between trip pricing, risk based pricing, multipart pricing, partition pricing, and that sort of thing, and it kind of sweeps into one bucket things that are legitimate, things that are aren't, things that might be partially legitimate. And now it's even got more confusing because if you look at the FTC rule, for example, on auto dealers, they take things like nitrogen filled tires, they charge more money for a claim that's a junk fee. The problem with that is not that it's a separate price for nitrogen filled tires. The problem, if there's a problem, is that nitrogen filled tires are garbage, right? There's nothing there. It doesn't matter whether it's disclosed separately or bundled in the price if it's a worthless product. And so when we talk about junk fees, we can end up confusing ourselves, lumping in things because we want to just apply this label to it, whereas I think it'd be much better to understand risk based pricing. What are things where they're pricing for something that you get no value from? What are the things where they're pricing things simply to extract wealth from consumers and the like? Executive Producer Recommended Sources Music by Editing Production Assistance

Sad day... CFB is over but the Boys have a FULL rundown of the CFBP and the championship route. We also dive into college bball and let you know what we're thinking about Dana White and the UFC. Thank you all for listening! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Today on Daily News You Can Use, Ray and Zach discuss the latest news from the CFBP which agreed to a multi billion dollar settlement with Wells Fargo. Also we have used car market updates as well.

THURSDAY PODCAST @RedZone921: JB staggered by Trevon Brazile's season-ending injury, callers explore options for Pittman 's next DC, @cjogara excited for CFBP matchups, @Coach_JDubVB on big year for @RazorbackVB, @SorenPetro sizes up KC Chiefs' stretch run!

Fred and Rick talk more coaching carousel news, react to the first CFBP rankings and preview week 10. Make sure to Follow us on all social media platforms to stay up to date with everything on the podcast. LIKE and SUBSCRIBE to the podcast on your favorite streaming platform. Follow the Show: @CFBOverdrive Follow the hosts: @FredPerdueCFB @RickBrown91

(Hour 4 8-30-22) Dukes & Bell hit THE FALCON REPORT, make our CFBP picks and go AROUND THE YARD WITH THE BRAVES ft Grant McAuley! 

VLOG: #RKelly "associated" Don Russell opening statements, Chris Gunn arraignment EDNY; Virgil Griffiths & Emms in Saudi; Schulte & #BrutalKangaroo. UN covers up its Colombia scandal; CFBP closes complaints - and FOIA requests about them

Eminent lawyer & president #CFBP #CouncilForFairBusinessPractices the well spoken swapnil kothari is my guest in this podcast. we talk about consumers rights, the code of conduct that manufacturers should follow & how consumers can take recourse if they feel they have been wronged. There's an interesting section in here about separating genuine consumer complaints from attention grabbing trolls and acting in the appropriate manner. listen in! “The HrishiKay Sessions” are produced & presented by Hrishikesh Kannan popularly known as Hrishi K Thanks for listening. Should you want to experience more ….for starters hit “subscribe” / “follow” and check out more episodes & be notified when further sessions go up! If ur looking for Hrishi across media & social networking then here goes: Twitter : https://www.twitter.com/hrishikay Facebook : https://www.facebook.com/hrishikay Instagram : https://www.instagram.com/hrishikay Youtube : https://youtube.com/c/hrishikeshkannan Soundcloud : https://www.soundcloud.com/hrishikay LinkedIn : http://linkedin.com/in/hrishikay

Former Georgia Tech RB and ACC Network Analyst Roddy Jones talks about how Michigan will try to attack Georgia's defense, if UGA will be able to run the ball on offense, why UGA fans should be rooting for Cincinnati, how creative Cincinnati needs to be on offense, and Pitt taking part in the Peach Bowl tonight. See omnystudio.com/listener for privacy information.

On Episode 361 of Sean's Sports Stop, Sean reports the biggest news in sports and gives his unique opinion on everything going on which includes: the new CFBP rankings, Max Scherzer praising Steve Cohen in his introductory press conference, the Miami Heat and Chicago Bulls losing draft picks for their sign and trades of Kyle Lowry and Lonzo Ball, audio of Brian Kelly's goodbye to Notre Dame players leaked, Cleveland Browns GM saying Baker Mayfield is their QB, the WTA suspending events in Hong Kong and China, Damian Lillard missing at least 10 days, Bam Adebayo out 4-6 weeks, Carlos Correa content with waiting, Devin Booker set to miss a few games, Dana White testing positive for COVID-19, Marcus Stroman signing with Chicago Cubs, Notre Dame hiring Marcus Freeman to replace Brian Kelly, and the MLB lockout... --- Send in a voice message: https://anchor.fm/seanssportsstop/message

It was weird and frustrating this week as I picked wrong more than I picked right and guess what, the CFBP committee doesn't release rankings until TUESDAY NIGHT and I record this episode usually early in the day tuesdays so it's slightly maddening. The Website Flamin' Hot Fiesta --- Support this podcast: https://anchor.fm/theramblingviking/support

Nazario reacts to the committees first Top 25 Rankings

In order to stay competitive and differentiate in the tight market, lenders need to find efficiencies and tighten their operations leveraging systems designed by mortgage experts for mortgage experts. Richey May's advisory services team is made up of mortgage industry experts and designed to help you find efficiencies in the pursuit of compliance and assurance so that you can continue to drive growth and increase profitability. Visit https://richeymay.com/advisory/ to learn more about how you can differentiate your business or to set up a meeting with one of Richey May's experts. 

Meet Jenni, successful lawer, busy mama of 2 and recent grad our Confident Feminine Body Program - “After struggling forever even to like exercise (let alone do it consistently), I went from NO fitness routine to locking in a joy-filled 30-minute movement practice 7 days a week, even though I work long hours as an equity partner in my law firm and have 2 young kids.” Jenni T.THIS is a real result from one of my 12-week Confident Feminine Body graduates. How freakin' inspiring is Jenni?!And who relates to the STRUGGLE of having a consistent (and pleasurable) movement routine? It's easy for exercise to fall into the “should” category and often lands at the end of our overfilled list.​Empowering my clients to heal their relationship with their body and *finally* lock-in a joy-filled movement practice is just ONE life-changing step in my 12-week Confident Feminine Body Program (CFBP) methodology.And in case you were worried, I won't make you throw on your leotard and dust of your sexy Shake Weights as you jazzercise around your living room (although that actually sounds super fun), rather we go inside to assess YOUR ENERGY, your mindset and your blocks -- so we can identify where you are lodged in programming that is no longer serving you.And by doing so you can not only heal from past wounds (which instantaneously feels like a shot of FREEDOM) but you start to cultivate healthy behaviors & mindsets that are sustainable, pleasurable and activating to ALL the beautiful layers of you (physical, mental, emotional, spiritual bodies). Just like my graduate Jenni did!​When you step into the inner circle that is the CFBP, not only do you cross the threshold of next level accountability, support and expertise but you really have the opportunity to rewire (and refresh) your connection to your body's divine wisdom. It's pretty magical over here.I'm excited to share that I just opened up enrollment for my Confident Feminine Body Program and I only have 3 spots available this month.If you are interested in exploring mentorship with me, BOOK YOUR FREE BREAKTHROUGH SESSION HERE -> TalkToEliabeth.com and we will hop on a quick call to see if this is the right solution for you.​Here's to more heart-centered movement medicine in your future!Support the show (https://www.buymeacoffee.com/strutit)

I thought I'd share Jenelle's story this week about her triumph over her loud and relentless INNER CRITIC, and how that win has radiated into every corner of her life.Before Jenelle came into the CFBP she had always had body confidence issues and problems with extreme self-criticism. Her default was always a negative inner voice, which continually knocked her down no matter how hard she tried to silence it.“I always knew what “I should” be doing and struggled to stay consistent. I always envisioned myself one way (thin, beautiful, perfect), and didn't feel like my actual self measured up to the (awesome) me that I had in my mind,” Janelle confessed early in our collaboration.Jenelle had to confront her fears and make novel choices around food--namely to take away all the RESTRICTION and GUILT, and learn to listen to and trust her body's messaging. She discovered something super important:“I never realized that I give up easily because I'm afraid of failing. If I chose to quit, it was my choice-I was in control.”She learned that she didn't have to do a 1.5-hour workout at the gym every day to see progress or to be successful!Instead, Jenelle took her most hated activity (cardio at the gym) off of the table and did only the activities at the gym that she enjoyed. And she kept going because the idea of training no longer filled her with dread and loathing.She learned that setting boundaries in all relationships is a good thing. In her words, “setting a boundary protects the relationship because it keeps the connection healthy and keeps me out of resentment, self-criticism, or overwhelm.”“I'm not as hard on myself as I used to be and even if I am, I catch it and reset my thinking quickly. The biggest change for me was feeling happier because I was being more productive and making better choices for my self-care.”“I never prioritized self-care before because it always overwhelmed me. I would go hard and strive for perfection and burn myself out--which is NOT self-care. I'm still going to the gym and seeing progress by doing the movements I LOVE.”**BOOK YOUR FREE BODY CONFIDENCE BREAKTHROUGH SESSION NOW (ONLY 4 SPOTS LEFT IN THE CFBP THIS MONTH): TalkToElizabeth.com**

Joel is joined by Eric Johnson, Partner at Hudson Cook and National Auto Finance Board Member, to discuss his recent article "What Does a Biden/Harris Administration Mean for Auto Sales and Finance?" and how the new direction and leadership at the CFBP, FTC and DOJ can impact the industry in 2021 and beyond. ConsumerFi is presented by Nortridge Software: Loan Software That Accelerates ChangeAnd special thanks to The National Automotive Finance Association: The only trade association exclusively serving the nonprime auto finance industry.

Tre discusses how we've been hoodwinked by the NCAA and why the College Football Playoff rankings are a joke. Follow the podcast on Twitter: @ButDisrespect and comment your 4 favorite CFBP teams. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Ep. 62 - NFL's Covid Struggles, CFBP Scenarios, MLB Cold Stove by HardoSports

Barton and Bud came ready to talk rule changes, but when they looked at their notes, they realized that it would be an SEC kind of episode. So after some brief banter about the new eligibility rules for the 2020 senior class, B&B talk about the SEC West. LSU is down to 70 scholarship players. Could they be bad? Could Texas A&M make the CFBP if they are a top-15 offense? Is Bama underrated? All that and more on Barton and Bud. Hosts: Barton Simmons, Bud Elliot Follow or Subscribe to Barton & Bud on Spotify, Apple Podcasts, Google Podcasts, Stitcher, or wherever you get your podcasts. Find the 247Sports podcast for your favorite team here! Subscribe to the 247Sports YouTube Channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Late Kick with Josh Pate has added another episode every week. Every Wednesday Josh will be hosting a podcast-only listener mailbag episode that is fueled by you! This week, y'all filled up the mailbag so much we have a 76 minute episode! You guys want to know who is the next team to win their first CFBP, what coaches say about each other in private, whether Trey Lance could end up playing Power 5 football this year, and a comparison between the relative perceptions of James Franklin and Jim Harbaugh. Follow Josh on Twitter: @LateKickJosh Have a question for Josh? Email the show! Follow or Subscribe to The Late Kick with Josh Pate on Spotify, Apple Podcasts, Google Podcasts, Stitcher, or wherever you get your podcasts. Subscribe to the 247Sports YouTube Channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ep. 38- Cole to Yanks/MLB Hot Stove, CFBP Preview, NFL Refs, Spygate 2.0 and NFL Week 15 Picks by HardoSports

Ep. 37- CFBP Rankings, NFL Week 14 Picks, MLB Offseason Buy/Sell & NBA Don't Look Now by HardoSports

Ep. 36- Punish the Astros, NBA/NCAA Buy/Sell, CFBP Week 3 Ranks & NFL Week 12 Picks by HardoSports

Starting today's show by discussing the issues with the Kansas City Chiefs after crushing road loss to the Tennessee Titans last Sunday. Then discussed about the massive brawl between the Cleveland Browns and Pittsburgh Steelers on Thursday night and about the suspension of Myles Garrett and more. Then about this week's college football playoff rankings where Georgia leaped over Alabama. Finally wrap things up talking about the Houston Astros in trouble for using a camera in centerfield to steal signs during games at home.

Ep. 35- Week 2 CFBP Rankings, NBA Buy or Sell, NFL Week 11 Picks by HardoSports

We talk CFBP choices and implications of upcoming games. We talk some NFL scores and give predictions for this coming week.

Late last week the Supreme Court elected to review a lower court ruling and decide if the Present can fire the Director of the CFBP for at will or must show cause for dismissal.

Tyler breaks down the 2019 regular season and potential postseason matchups. Plus expectations for some of the Tide's brightest stars.

10 of the 13 committee members have to excuse themselves during discussions about certain teams. That's not good.

Recent stirrings in the defense establishment seem to indicate that Trump’s cadre of goons want to invade Venezuela, or at least destabilize the region in hopes that Colombia and Brazil will invade. To that end, he’s deployed a walrus and his death squad gang to rustle up some trouble. In this episode, Nate and Francis discuss why you should absolutely oppose U.S. intervention in Venezuela even if you don’t know a thing about Venezuela (it’s okay -- neither does anyone in Trump’s cabinet!) Also covered: a story from the Intercept’s Danny Dayan about the CFBP’s “Mulvaney Discount,” in which a guy defrauded veterans for 8 years and got fined exactly $1 for this crime. https://theintercept.com/2019/01/26/cfpb-mulvaney-discount/ This week’s bonus episode features an interview with Nate and Sam Knight, on the topic of DC’s recent ballot initiative getting overturned by its extremely Democrat City Council. You can access that interview here: https://www.patreon.com/posts/where-are-true-24286110 We have a YouTube channel now -- subscribe here and get sweet videos from us in which we yell in our cars like true veterans: https://www.youtube.com/channel/UCwlHZpNTz-h6aTeQiJrEDKw Do you need a shirt to announce your Marxism? Well, we have just the ticket for you -- buy it here: https://teespring.com/sorry-if-my-marxism-offends-yo#pid=46&cid=2742&sid=front You can follow the show on Twitter here: @HellOfAWay Follow Nate here: @inthesedesertsFollow Francis here: @ArmyStrang

Over the last few years the college football playoff committee hasn’t been on its game. A lot of people say it should expand because it’s not fair some good one loss teams are left out. Did they finally get the four teams right? Who should’ve been in, who should’ve been out?....The NFL MVP race is really close, did Drew Brees loss to the Cowboys hurt his chances? Is Mahomes playing that well? Close race, who you got? The NBA season standings so far is not what a lot of people expected. Who are the top players this season so far? MVP candidates? Tune in to Built on Hustle podcast!

Ballard Spahr attorneys discuss the ongoing litigation challenging the CFPB’s constitutionality, President Trump's nomination of Kathy Kraninger to serve as CFPB Director, and recent statements by HUD and the CFPB signaling an intent to revisit the disparate impact theory.

Episode 20

Hablamos de los resultados de los Juegos de Comodines en la NFL, los cambios de entrenadores y Previo de la Final del Football Americano Colegial entre Alabama vs Georgia con el pronóstico con marcador.

Hablamos de los resultados de los Juegos de Comodines en la NFL, los cambios de entrenadores y Previo de la Final del Football Americano Colegial entre Alabama vs Georgia con el pronóstico con marcador.

The guys break down the college football playoff semi final games, roast the Pac 12, with a recording of Bill Walton, who had the worst bowl season in history for power 5 conferences minimum 5 games (1-8), and talk future NFL Draft QB's. Top 5 this week is significant things that happened in 2017 (mostly sports).

Per usual, the sports world is busy and full of stuff to talk about. Join Andy, Alayna, and Evan as they break it down. In this episode, we take a look at the Lions/Vikings Thanksgiving game, "The Game" between U of M and OSU, and look at the CFP rankings. All this and much more on Unsportsmanlike Conduct. Have an opinion? Let us know! Check out CM Life. www.cm-life.com/ Follow CM Life and CM Life Sports on Twitter! twitter.com/cmlife twitter.com/CMLifeSports

The Consumer Financial Protection Bureau director has been appointed and the CFPB is ready to get to work protecting consumers. What can it do for you?