Podcasts about Consumer Financial Protection Bureau

How to protect your credit from medical debt and choose the right way to save for a home down payment. How does medical debt affect your credit score? What accounts can you use to save for a house down payment? Hosts Sean Pyles and Elizabeth Ayoola discuss the recent reversal of a Consumer Financial Protection Bureau rule that would have removed medical debt under $500 from credit reports and explore the consequences for consumers. Joined by senior news writer Anna Helhoski and guest Rohit Chopra, former director of the Consumer Financial Protection Bureau, they explain why the rule was proposed, what the legal ruling means for borrowers, and what consumers can do to protect themselves. They share insights on why the CFPB is vital to maintaining financial fairness and what the agency's dormancy could mean for future protections. Then, housing Nerd Kate Wood joins Sean and Elizabeth to discuss how to save for a home in today's high-cost, high-interest-rate housing market. They dig into what emergency fund you should consider having before buying a house, how to choose between high-yield savings accounts and CDs, and why the 20% down payment myth could be holding you back. The conversation also covers how much you really should save (spoiler: it's more than just your down payment), why closing costs are often misunderstood, and how first-time buyers can explore down payment assistance programs that offer real help. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: medical debt and credit scores, saving for a down payment, CFPB medical debt rule, how to save for a house, down payment assistance programs, how medical debt affects credit, CFPB rule overturned, home buying costs, closing costs calculator, how much to save for a house, best high yield savings accounts, down payment myths, private mortgage insurance explained, how much to put down on a house, 20% down payment myth, CD ladder strategy, high yield CD rates, CD vs savings account, home equity from appreciation, real estate agent commission changes, home maintenance budgeting, how to avoid PMI, how to get rid of PMI, what is PMI, CFPB complaint database, checking credit reports, how to prequalify for a mortgage, how to calculate closing costs, state housing authority grants, and first-time homebuyer programs. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Consumer advocacy groups led by Rise Economy filed a lawsuit against the Consumer Financial Protection Bureau for not implementing a small-business data collection rule mandated by Congress under the Dodd-Frank Act. The lawsuit alleges violations of the Equal Credit Opportunity Act and the Administrative Procedure Act and seeks to require the CFPB to collect and publish data on small-business loan applications, including demographic details and loan denials. Banking trade groups have also challenged the rule, citing compliance burdens, resulting in multiple court delays and an extended compliance deadline to July 2026. The case centers on the need for data to identify lending discrimination and credit access gaps for small businesses.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

In this special joint episode of The Consumer Finance Podcast and Payments Pros, Chris Willis, co-leader of Troutman Pepper Locke's Consumer Financial Services Regulatory Practice, is joined by Keith Barnett and Jason Cover from the Payments Pros podcast, along with Troutman Pepper Locke Consumer Financial Services Partner Mark Furletti. They discuss the future of earned-wage access (EWA) products following the Consumer Financial Protection Bureau's (CFPB) rescission of previous guidance. The conversation explores the history and evolution of EWA products, initially designed as employer-based solutions to provide employees early access to earned wages without extending credit.The group highlights regulatory challenges, including the CFPB's changing stance and the impact of state laws on EWA offerings. They examine how these products are structured to avoid being classified as credit, focusing on optional fees and the absence of repayment obligations. The discussion also addresses the legal landscape, noting potential state-level regulatory landmines and private litigation. The episode emphasizes the importance for fintechs and payroll processors to navigate these complexities carefully, especially in states with stringent regulations like California and New York. The podcast concludes with insights into the future of EWA, stressing the need for compliance with evolving state and federal laws.

7.16.2025 #RolandMartinUnfiltered: Trump’s Voter Data Grab, Guard Exits LA, Judge Strikes Down Medical Debt Rule, CARES & U‑FIGHT Act The Trump administration and its allies are pushing to obtain voter data from states and inspect voting equipment. We'll discuss the implications with the Director of the Voting Rights Project. Two thousand National Guard troops deployed to Los Angeles over a month ago, following protests against immigration enforcement raids, are being withdrawn. A federal judge strikes down a Biden administration rule removing medical debt from credit reports. We'll talk with a former Director of the Consumer Financial Protection Bureau about what this means for consumers. National CARES is a pioneering initiative tackling the devastating impact of intergenerational poverty. We'll speak with the organization's new president about their mission and impact. This week, Senator Angela Alsobrooks and Congresswoman Shontel Brown introduced the U-FIGHT Act, a bold step toward expanding early detection and funding research to save the lives of Black women. Congresswoman Brown and a medical expert will be here to discuss the importance of this Act, especially for black women. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

07-19-25See omnystudio.com/listener for privacy information.

Project 2025 has emerged as one of the most ambitious and polarizing policy blueprints in recent American history. Developed under the guidance of the Heritage Foundation, with participation from more than 100 conservative organizations, Project 2025 represents a detailed roadmap for the executive branch—the so-called “Mandate for Leadership”—aimed at fundamentally reshaping the federal government should a conservative administration return to the White House.At its heart, Project 2025 proposes to dramatically increase presidential control over the federal bureaucracy. According to The Heritage Foundation's Kevin Roberts, “every federal employee should answer to the president,” and the blueprint recommends eliminating the independence of agencies like the Department of Justice, the FBI, and the Federal Communications Commission. Supporters argue this would remedy what they see as an unaccountable, left-leaning bureaucracy, but critics warn that the plan would threaten the separation of powers and basic civil liberties by putting nearly all executive branch decision-making directly under the president.Specifics from the plan highlight its scope. The project calls for the replacement of all State Department leadership before Inauguration Day with appointees handpicked for ideological alignment, bypassing Senate confirmation requirements wherever possible. Kiron Skinner, who authored the State Department chapter, said that career officials had become “too left-wing” and should be replaced with loyal conservatives, despite admitting she could not name a time when these officials had obstructed Trump policies.The workforce reductions proposed are equally sweeping. Project 2025 recommends dismissing up to a million federal workers, either by abolishing entire agencies or through mass layoffs. According to reporting from Government Executive, the Trump administration, implementing elements of the playbook through the Musk-led Department of Government Efficiency, has already cut hundreds of thousands of jobs and eliminated agencies such as the Consumer Financial Protection Bureau and USAID, moves claimed to save $1 trillion but mired in legal disputes with federal workers' unions. These layoffs coincide with aggressive return-to-office mandates and office consolidations, disrupting telework programs relied upon since the pandemic.Policy changes extend well beyond personnel. On public health, Project 2025 would fundamentally curtail the Centers for Disease Control and Prevention's authority. The plan advises preventing the CDC from issuing prescriptive guidance on vaccines and masks, transferring these decisions to parents and providers, and splitting the CDC into two agencies to limit its agenda-setting power. The Food and Drug Administration's drug approval process would be reformed, and federal public health funding would be channeled directly to states, bypassing agencies like NIH.On social policy, the proposals are stark. Project 2025 outlines a strict anti-abortion agenda—cutting federal funds to states that don't require detailed abortion reporting, limiting access to medications like mifepristone, and instructing the Department of Health and Human Services to combat so-called “abortion tourism.” The blueprint also calls for a ban on transgender individuals in military service and would have the CDC stop collecting data on gender identity. Civil rights and liberty organizations like the ACLU argue these measures would “replace the rule of law with right-wing ideals,” further noting that Project 2025's reach would touch nearly every aspect of American life.While the Heritage Foundation frames its mission as restoring efficiency and democratic accountability, critics like the Center for Progressive Reform describe Project 2025 as the “authoritarian blueprint” of an administration racing to roll back worker and environmental protections, undo public health safeguards, and undermine democratic checks and balances nationwide.The next weeks and months will be crucial as lawmakers, federal employees, and advocacy groups react to the ongoing implementation of these policies and court challenges move forward. As Project 2025 continues to unfold—whether through executive action, litigation, or legislative attempts—Americans face a period of tremendous uncertainty about the future shape of their government.Thank you for tuning in, and be sure to come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Consumer Financial Protection Bureau v. Kaine Wen

We told you it was coming and...it's here Think tariff induced inflation.  This is the Business News Headlines for Tuesday the 15th day of July, thanks for listening! In other news we've got a couple of stories about the Consumer Financial Protection Bureau that should scare the hell out of you. Nvidia gets US approval to sell powerful chips to China and that after a meeting the CEO had with President Trump. We've got the Wall Street Report and a major shake up over at McDonald's that industry watchers say is the biggest menu change in 50 years.  For the conversation you'll meet Darryl Ahnemann and an amazing story about food rescue just a year old but breaking new ground every day.  It's the St. Marks Neighborhood Fridge that is open 24/7 for people who are food insecure.  And perhaps it's something that your community could start.  Let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

A Trump-appointed judge in Texas has struck down a rule from the Consumer Financial Protection Bureau that would have erased $49 billion in medical debt from Americans' credit reports. Nearly 30% of Black Americans and 22% of Latinos carry medical debt compared to 17% of white Americans. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Project 2025 is reshaping the landscape of American governance in ways unseen for generations. Conceived by The Heritage Foundation and over a hundred allied conservative groups, with a sprawling document called “Mandate for Leadership” running over 900 pages, the project sets an ambitious course: consolidate executive power, overhaul federal agencies, and imprint a distinctly right-leaning ideology across the machinery of the state.The latest developments reveal sweeping changes since President Donald Trump's inauguration for his second term. With Elon Musk at the helm of the newly created Department of Government Efficiency, or DOGE, implementation has not only started but moved at unanticipated speed and scale. Agencies like the Consumer Financial Protection Bureau and USAID have been eliminated virtually overnight, mirroring the project's stated goal to "save $1 trillion" and rid the government of what its proponents call unaccountable bureaucracy. Tens of thousands of federal workers, including around 280,000 across 27 agencies, have been or are slated to be laid off, according to Challenger, Gray & Christmas Inc. Agency leaders, especially in foreign policy, have been systematically replaced by ideologically vetted loyalists who, as one Project 2025 advisor put it, will "answer to the president" alone.One key feature of Project 2025 is the expansion of presidential powers. As Kevin Roberts of The Heritage Foundation declared, "all federal employees should answer to the president." The plan's architects rely on the controversial doctrine of “unitary executive theory,” giving the Oval Office greater leverage to direct previously independent agencies like the DOJ, FBI, FCC, and FTC. In practice, Biden- or Obama-era leaders have been removed, often bypassing Senate confirmation in favor of acting appointments drawn from the project's talent pool—a who's who of conservative legal scholars and former administration officials.Policy objectives are equally far-reaching. The executive order signed this February, for example, severely restricts federal hiring—agencies can now add just one new employee for every four who depart, with exceptions only for national security or law enforcement. By identifying redundant or statutorily nonessential agency components, DOGE is empowered to recommend consolidation or outright elimination, provoking intense legal and political battles. According to statements from union leaders such as NTEU's Tony Reardon, challenges are already underway: “We have taken the necessary action to file a lawsuit to uphold the law and stop this attack.” Simultaneously, the administration has pushed for return-to-office mandates, making remote work much less tenable for government employees.Project 2025's authors are explicit about their social agenda. The American Civil Liberties Union outlines how the blueprint would reverse decades of advancements on abortion rights, LGBTQ protections, and racial equity. The Mandate for Leadership contains provisions for undermining agency independence, tightening restrictions on civil service protections, and dismantling social safety net programs, all justified as aligning federal practice with conservative values.Concrete procedural reforms are visible in the State Department, where plans called for dismissing almost all leadership before January 2025 and installing those vetted for their ideological alignment with administration priorities. Kiron Skinner, who co-authored that chapter, rationalizes the overhaul as necessary because too many senior officials are “too left-wing” and insufficiently loyal to a conservative president. This, she believes, is essential to ensure agency cooperation with White House policy.Critics and analysts, from the ACLU to the Center for Progressive Reform, warn of “devastating consequences”—threats to workers, public health, civil rights, and the democratic process itself. Legal experts voice deep concern over the undermining of checks and balances and the risk of institutionalizing a more authoritarian model of executive power. Yet, for supporters, the project promises to make government leaner, more responsive, and ideologically coherent, echoing the Reagan-era ambitions of a smaller administrative state.In the weeks ahead, all eyes are on a series of forthcoming Supreme Court decisions that could determine the limits of this new presidential authority—and Congress's next moves as legislation is introduced to codify, or counteract, these transformative changes. As these milestones approach, the stakes for the federal workforce, the balance of power, and the country's democratic norms could not be higher.Thank you for tuning in, and be sure to join us next week for more insights on the forces shaping our nation's future.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

07-12-25See omnystudio.com/listener for privacy information.

Project 2025 represents a seismic attempt to reshape the machinery of American governance, guided by a philosophy that seeks to place virtually all executive power directly under presidential control. Initiated by the Heritage Foundation and an alliance of over a hundred conservative organizations, its centerpiece is the “Mandate for Leadership,” a massive policy playbook published in 2023 designed to act as the transition manual for a potential new administration following the 2024 election.At its core, Project 2025 seeks to “destroy the Administrative State,” meaning it aims to strip federal agencies of much of their independence and dismantle what its authors claim are layers of unaccountable and biased bureaucracy. Proponents, such as Kevin Roberts of the Heritage Foundation, argue that “all federal employees should answer to the president,” encapsulating the project's vision of a centralized, powerful executive branch. To achieve this, Project 2025 recommends the widespread dismissal of current senior officials across agencies like the Department of State—and their immediate replacement with individuals selected for their loyalty and ideological alignment, bypassing traditional Senate confirmation hurdles.One of the most controversial levers in the playbook is the resurrection of Schedule F, a proposed employment classification that would allow the president to convert career civil servants into at-will employees, stripping them of long-standing job protections. This maneuver would, according to its critics, allow the White House to purge thousands of nonpartisan officials and replace them with political loyalists—an approach described in detail by advocacy outlets and union leaders as a recipe for “political overreach or abuse of power."The document's scope spans 30 federal departments, each with a dedicated chapter and specific 180-day action plans—right down to pre-drafted executive orders waiting for a president's signature on inauguration day. Concrete proposals include eliminating entire agencies such as the Consumer Financial Protection Bureau and USAID, mass layoffs affecting hundreds of thousands of federal workers, and strict mandates requiring employees to return to office buildings, often ignoring remote work policies established during the pandemic. Since January 2025, the Trump administration's Department of Government Efficiency, led by Elon Musk, has acted on this blueprint with remarkable speed, eliminating agencies and laying off more than 280,000 federal employees and contractors across 27 agencies in just a few months.In terms of social policy, Project 2025 is unmistakably ambitious. The playbook calls for aggressive curbs on abortion rights, restrictions on LGBTQ protections, and a reversal of progress regarding racial and immigrant rights. Critics such as the American Civil Liberties Union warn that these measures, if implemented, could erode civil liberties and tip the balance of American governance toward an “imperial presidency.” Legal scholars, as referenced by Wikipedia, raise alarms that this model risks undermining the rule of law, the separation of powers, and the independence of key regulatory and law enforcement bodies.Supporters, however, frame these moves as an overdue correction. Kiron Skinner, author of the State Department chapter, claims the agency is overrun by left-leaning officials and needs a leadership overhaul favoring those loyal to a conservative president, though she famously could not cite specific examples of deliberate obstruction during her tenure when pressed in a 2024 interview.The latest developments underscore both the swiftness and controversy with which Project 2025 is moving forward. President Trump's administration is already well underway in executing its most dramatic provisions, facing a slew of lawsuits from federal employee unions and advocacy groups. The legal and partisan battles that loom will determine whether this vision of governance—marked by centralization, sweeping personnel changes, and redefined federal agency missions—becomes a new American reality or stalls amid constitutional challenges and public resistance.Listeners, thank you for tuning in to this deep dive into Project 2025. Stay with us next week for more analysis and updates on the future of American governance.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3206: Many credit cards promise rewards and flexibility, but as Kumiko warns, certain types can trap you in debt and threaten your financial security. From deferred interest schemes to credit cards secured by your home or bank account, these offers often prey on vulnerable consumers. Learn how to spot these dangers and protect your financial future. Read along with the original article(s) here: https://www.thebudgetmom.com/types-of-credit-cards-you-need-to-avoid/ Quotes to ponder: "If you think there is even a slight chance you can't pay off the entire balance by the end of the promotional period, you need to avoid a deferred interest credit card." "Home secured credit cards are always a bad idea. The potential consequence of not making payments is the loss of your family's shelter, which is a necessity." Episode references: Debt.org on predatory lending: https://www.debt.org/credit/predatory-lending/ Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3206: Many credit cards promise rewards and flexibility, but as Kumiko warns, certain types can trap you in debt and threaten your financial security. From deferred interest schemes to credit cards secured by your home or bank account, these offers often prey on vulnerable consumers. Learn how to spot these dangers and protect your financial future. Read along with the original article(s) here: https://www.thebudgetmom.com/types-of-credit-cards-you-need-to-avoid/ Quotes to ponder: "If you think there is even a slight chance you can't pay off the entire balance by the end of the promotional period, you need to avoid a deferred interest credit card." "Home secured credit cards are always a bad idea. The potential consequence of not making payments is the loss of your family's shelter, which is a necessity." Episode references: Debt.org on predatory lending: https://www.debt.org/credit/predatory-lending/ Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3206: Many credit cards promise rewards and flexibility, but as Kumiko warns, certain types can trap you in debt and threaten your financial security. From deferred interest schemes to credit cards secured by your home or bank account, these offers often prey on vulnerable consumers. Learn how to spot these dangers and protect your financial future. Read along with the original article(s) here: https://www.thebudgetmom.com/types-of-credit-cards-you-need-to-avoid/ Quotes to ponder: "If you think there is even a slight chance you can't pay off the entire balance by the end of the promotional period, you need to avoid a deferred interest credit card." "Home secured credit cards are always a bad idea. The potential consequence of not making payments is the loss of your family's shelter, which is a necessity." Episode references: Debt.org on predatory lending: https://www.debt.org/credit/predatory-lending/ Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at market sentiment as it assesses the labor market. Plus, Robbie sits down with Polunsky Beitel Green's Peter Idziak to discuss the recent Senate Parliamentarian's decision blocking efforts to defund the Consumer Financial Protection Bureau via reconciliation and the implications for the agency's independence and the broader mortgage lending framework. And we close by examining what to make of today's light economic calendar.Thank you to Truework, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.

Project 2025, championed by the Heritage Foundation and a coalition of conservative organizations, has become one of the most ambitious and controversial policy blueprints in contemporary American politics. Its authors envision a sweeping reconstruction of federal power, “placing the federal government's entire executive branch under direct presidential control,” as Heritage president Kevin Roberts has openly declared. The plan's backbone is a robust endorsement of the unitary executive theory, which grants unprecedented authority to the president, superseding the traditional independence of agencies like the Department of Justice, FBI, and the Federal Communications Commission. Roberts insists, “All federal employees should answer to the president,” reflecting a philosophy that would uproot decades of precedent regarding agency autonomy.The heart of Project 2025 lies in its plan to replace thousands of federal officials with ideologically vetted loyalists. It recommends dismissing nearly all senior State Department employees prior to Inauguration Day and filling those roles with temporary leaders who, notably, do not require Senate confirmation. Kiron Skinner, who contributed to the project's State Department chapter, has been candid in critiquing existing personnel as “too left-wing,” advocating for a transformation in which “those more loyal to a conservative president” would fill the ranks.This push for centralized authority is not just theoretical. Since January 20, under the Trump administration and the Musk-led Department of Government Efficiency, Project 2025's playbook has begun to reshape the bureaucracy. Entire agencies, including the Consumer Financial Protection Bureau and USAID, have been eliminated or gutted through unprecedented executive actions. Challenger, Gray & Christmas, Inc. reports that approximately 280,253 federal workers and contractors have either been laid off or face imminent dismissal. This seismic reduction affects at least 27 agencies and is touted as part of an effort to save $1 trillion.Specific policy objectives underscore the project's breadth. In criminal justice, the blueprint advises that the Department of Justice intervene aggressively in local prosecutions deemed insufficiently tough, even seeking to remove elected district attorneys who decline to prosecute certain crimes. The document urges that “the DOJ should remove local DAs who ‘deny American citizens the ‘equal protection of the laws' by refusing to prosecute criminal offenses in their jurisdictions.'” This would deter local prosecutors from pursuing alternative justice models, such as drug treatment instead of incarceration, under threat of federal override. Additionally, Project 2025 advocates expanding federal law enforcement's reach into local affairs, particularly in areas where local policy diverges from its agenda.Environmental and labor policies are equally targeted. The Center for Progressive Reform notes that Project 2025 is tracking executive action proposals across 20 federal agencies, warning that the rapid rollout of these initiatives is already producing “devastating consequences for workers, the environment, public health, and the rights of millions of Americans.” The real-time rollback of environmental and public safety regulations has become a flashpoint in states nationwide, as advocates sound alarms over declining protections and oversight.The implications of Project 2025 ripple far beyond administrative reshuffling. Critics argue that the project's zeal for efficiency and loyalty risks hollowing out institutional expertise, weakening checks and balances, and unsettling the rule of law. Proponents, however, see it as a necessary correction—streamlining government, empowering the president, and ensuring a coherent, values-driven administration.As these reforms surge forward, the coming months and years will test both the legal and cultural boundaries of executive power. With tens of thousands of jobs on the line, agency missions in flux, and contentious legal battles unfolding, one thing is certain: Project 2025 has set the stage for a fundamental clash over the future of American governance.Thank you for tuning in. Please come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Project 2025 is more than a government reform blueprint; it's a sweeping bid to reshape the core of American governance. Developed by conservative think tanks, including the Heritage Foundation, Project 2025 lays out hundreds of pages detailing how a future administration—under President Trump, as recent events have confirmed—could consolidate executive power, overhaul federal agencies, and redefine the federal-state relationship.According to project documents, a foundational goal is to place the entire executive branch under direct presidential control. The plan would strip independence from agencies like the Department of Justice, the FBI, and regulatory bodies such as the Federal Communications Commission and the Federal Trade Commission. Kevin Roberts of the Heritage Foundation stated that all federal employees should answer to the president, echoing the controversial unitary executive theory. This vision, bolstered by recent Supreme Court decisions, would make the White House the undisputed command center of federal authority.Concrete examples of this approach are already being seen. Project 2025 proposes that all senior State Department employees should be dismissed before January 2025, replaced with ideologically vetted appointees who could bypass Senate confirmation. Kiron Skinner, a former Trump administration official involved in the project, argues that most current State Department staff are too left-leaning for this new vision, though she couldn't cite a specific case of obstruction. This move signals a dramatic preference for loyalty over traditional expertise.Agency reforms and cutbacks are a central theme. The Consumer Financial Protection Bureau and the U.S. Agency for International Development have been eliminated in the early months of Trump's second term, according to reporting from GovExec. Similarly, plans are underway to lay off over a quarter million federal workers and contractors across 27 agencies—part of a claimed $1 trillion in savings.Disaster response policy would see radical change as well. Project 2025 calls for a wholesale overhaul of FEMA's funding structure. The federal government would step back, covering only 25% of costs for smaller disasters and up to 75% for the most catastrophic events, compared to the current baseline of 75% minimum coverage. The project's authors argue FEMA is “overtasked” and advocate for ending all preparedness grants to states and localities. “DHS should not be in the business of handing out federal tax dollars: These grants should be terminated,” state the project's recommendations.Other cultural and political flashpoints are also targeted. Brendan Carr, the FCC's head, announced investigations into NPR and PBS, questioning the content aired on their more than 1,500 member stations. According to The New York Times, this reflects Project 2025's skepticism toward publicly funded media.Criminal justice is slated for a dramatic pivot, too. The Brennan Center for Justice notes that Project 2025 proposes allowing the Department of Justice to charge or even remove local prosecutors who decline to pursue certain offenses, such as low-level marijuana possession or shoplifting. The authors argue this would address so-called “rule of law deficiencies,” but critics warn it could stifle local discretion and turn every district attorney into a policy subordinate of the federal government. For example, progressive prosecutors who favor treatment over incarceration for minor offenders would be at risk of losing their jobs under this policy approach.These proposed shifts, both sweeping and granular, have sparked fierce debate. Supporters argue Project 2025 will bring efficiency, accountability, and ideological consistency to Washington. Detractors warn of executive overreach, lost expertise, and risks to the fabric of American federalism. As one Heritage Foundation executive called it, the project is about using the machinery of government “to drive conservative change at every level.”The next key milestones are imminent. With the administration rapidly implementing pieces of the Project 2025 playbook, forthcoming legal challenges and agency restructurings will test both the feasibility and the resiliency of the current checks and balances. Observers across the political spectrum are watching closely: the fate of Project 2025's ambitions will shape not just policy, but the very structure of American democracy.Thank you for tuning in, and be sure to come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

The Consumer Financial Protection Bureau declared a major incident breach in 2023 that affected over 200,000 consumers and 46 institutions. As their Inspector General investigated the event, they found a need for much stronger internal controls. Here with more on their findings and recommendations are Laura Shakarji and Michael Zeitler from the Inspector General of the Federal Reserve Board and Consumer Financial Protection Bureau.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this crossover episode of The Consumer Finance Podcast and Payments Pros, Chris Willis, Jason Cover, and Taylor Gess continue the Point-of-Sale Finance Series to discuss licensed lending and bank model lending programs. This conversation dives into the benefits, challenges, and regulatory landscapes that shape these popular lending models for financial institutions and fintechs. Consumer finance providers will gain valuable insights on structuring successful lending partnerships in today's complex environment.

Since its creation 14 years ago the Consumer Financial Protection Bureau has used its powers to return billions of dollars to defrauded consumers. Now the Trump administration wants to close it. What the CFPB has meant for consumer protection in the U.S.

And, just like that...we're not talking to Canada about tariffs.  How do we know? President Trump threw a hissy and cancelled any deals with our neighbor to the north.  Oh, and there is more about tariffs in our first story.  Welcome to the Business News Headlines for Friday the 27th day of June, thanks for being here.  In other news inflation ticked up in May and you are not buying as much…we'll share details. The markets did very well.  But the economy is contracting. The Smucker company is doing away with artificial dyes and joins a growing list of companies doing the same.   Expect a higher amount of fraud and abuse as the Consumer Financial Protection Bureau has its funding cut in half. The Wall Street Report and there will soon be new hours for some Costco members…not all but…some.  Let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

The newest member of the team at the National Independent Automobile Dealers Association spent a few minutes during this week's NIADA Convention in Las Vegas for this episode of the Auto Remarketing Podcast. Patrick O'Brien, who joined NIADA in May as director of government relations and compliance, shared more details about his background with the U.S. Treasury and the Consumer Financial Protection Bureau, as well as how he hopes to represent independent dealers in Washington, D.C.

Following a meeting of the Senate Finance Committee on Sunday, Senate Parliamentarian Elizabeth MacDonough advised that several measures in the “Big Beautiful Bill” fail the Byrd Rule and cannot be included in Republicans' omnibus spending and taxation bill under budget reconciliation. Among the measures MacDonough identified are provisions barring certain noncitizens from receiving benefits under the Supplemental Nutrition Assistance Program (SNAP), requiring the U.S. Postal Service to sell its electric vehicles, reducing the Consumer Financial Protection Bureau's funding to zero, and forcing the federal government to sell public lands. Ad-free podcasts are here!Many listeners have been asking for an ad-free version of this podcast that they could subscribe to — and we finally launched it. You can go to ReadTangle.com to sign up!You can read today's podcast⁠ ⁠⁠here⁠⁠⁠, our “Under the Radar” story ⁠here and today's “Have a nice day” story ⁠here⁠.Take the survey: What do you think of the parliamentarian's decisions? Let us know!Disagree? That's okay. My opinion is just one of many. Write in and let us know why, and we'll consider publishing your feedback.You can subscribe to Tangle by clicking here or drop something in our tip jar by clicking here. Our Executive Editor and Founder is Isaac Saul. Our Executive Producer is Jon Lall.This podcast was written by: Isaac Saul and edited and engineered by Dewey Thomas. Music for the podcast was produced by Diet 75.Our newsletter is edited by Managing Editor Ari Weitzman, Senior Editor Will Kaback, Hunter Casperson, Kendall White, Bailey Saul, and Audrey Moorehead. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Consumer Finance Podcast, Chris Willis and Lori Sommerfield discuss the latest regulatory, legislative, and litigation developments under the Americans with Disabilities Act (ADA), as accessibility of digital platforms and mobile applications increasingly become crucial for consumer finance providers. This episode covers the DOJ's guidance on website accessibility, evolving Web Content Accessibility Guidelines, potential legislative solutions, and the risks of private litigation amid a surge in lawsuits alleging violations of the ADA. With a focus on litigation trends and risk mitigation strategies, this discussion is vital for businesses striving to ensure compliance and protect their digital assets in a complex legal environment. Gain practical insights on assessing and improving website accessibility and learn how to establish a robust ADA risk management program to shield your business from potential legal challenges.

The Senate parliamentarian has been busy throwing out key provisions in the GOP's reconciliation bill, ruling against measures affecting food stamps, immigration policy, the Consumer Financial Protection Bureau and more. CQ Roll Call's David Lerman and Aidan Quigley assess the latest condition of the reconciliation package and the fiscal 2026 appropriations process. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Senate parliamentarian has been busy throwing out key provisions in the GOP's reconciliation bill, ruling against measures affecting food stamps, immigration policy, the Consumer Financial Protection Bureau and more. CQ Roll Call's David Lerman and Aidan Quigley assess the latest condition of the reconciliation package and the fiscal 2026 appropriations process. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special crossover episode between Moving the Metal and The Consumer Finance Podcast, Brooke Conkle, Chris Capurso, and Chris Willis analyze the first 100 days of the second Trump administration, focusing on its impact on the auto-finance industry. They discuss the anticipated enforcement slowdown by the Consumer Financial Protection Bureau (CFPB), unexpected halts in supervisory activities, and leadership changes at the Federal Trade Commission and CFPB. The conversation highlights the administration's focus on consumer fees, the evolving role of state regulators, and shifts in discrimination theories impacting compliance practices. This episode provides insights into strategic regulatory changes and offers guidance for navigating the complexities of the auto-finance sector in 2025.

421. How to Stop the War, the Bill & the Trump Regime with Sen. Elizabeth Warren If you, like us, have been active in fighting our descent into facism, but are wondering what the Democratic party's plan is to stop the Trump regime, join us as we ask Senator Elizabeth Warren today what the Democratic party is doing – and what we can do.   Listen to this episode for Senator Warren's answers to your questions on the “Big Beautiful Bill,” War with Iran, Gaza, and midterms — and clear calls to action: how to find your representatives, and scripts for the three things to tell them to do.   For contact info for your Congress members, go to: https://www.congress.gov/members/find-your-member About Senator Warren:  Elizabeth Warren, the senior Senator from Massachusetts and top Democrat on the Senate Committee on Banking, Housing, and Urban Affairs, is a fearless consumer advocate and one of the nation's leading progressive voices. Before becoming the first woman ever elected to the Senate from Massachusetts in 2012, Elizabeth led the fight to create the Consumer Financial Protection Bureau, an agency established in the aftermath of the financial crisis to protect consumers from predatory financial practices. Elizabeth lives in Cambridge, Massachusetts, with her husband Bruce and their golden retriever, Bailey. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Learn how to use AI to boost your career and finances—plus, what to do when debt consolidation tanks your credit score. How can you use AI to stay competitive in your career and manage your money better? What should you do when debt consolidation tanks your credit score? Hosts Sean Pyles and Elizabeth Ayoola discuss the rapid rise of generative AI and how it's reshaping both the workplace and personal finance tools. Senior news writer Anna Helhoski joins the show to share her conversation with Maria Curi, technology policy reporter for Axios, which explores how generative AI is reshaping white-collar jobs, the skills you'll need to stay competitive, and why you should be cautious about sharing personal financial data with AI tools. They cover how to use thoughtful AI prompting for budgeting, researching financial topics, and automating everyday tasks. Then, personal finance Nerd Amanda Barroso joins Sean and Elizabeth to answer a listener's question about how to recover from a steep credit score drop after working with a debt consolidation company. They dive into the differences between debt settlement and credit counseling, walk through ways to rebuild your credit score, and share strategies to avoid falling back into debt. They also explain how to check your credit reports for red flags, make the most of credit utilization thresholds, and evaluate whether to stick with or switch from a debt relief company. In their conversation, the Nerds discuss: how to rebuild credit after debt consolidation, AI and personal finance, using AI for budgeting, credit score dropped after debt consolidation, debt settlement vs debt consolidation, credit counseling vs debt consolidation, how to use AI in your job, credit utilization and credit score, generative AI tools for finance, credit monitoring tips, how to check your credit reports, how to avoid debt settlement scams, credit score recovery strategies, prompt engineering for AI tools, AI hallucinations explained, privacy risks of AI financial tools, best ways to use ChatGPT for money help, AI in white collar jobs, AI in blue collar work, how AI is changing the workplace, National Foundation for Credit Counseling, credit mix and credit score, 0% interest balance transfer cards, how to get out of debt without ruining credit, Consumer Financial Protection Bureau debt settlement warnings, risks of debt consolidation companies, and how to diversify your credit. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special crossover episode between FCRA Focus and The Consumer Finance Podcast, Kim Phan, Dave Gettings, Chris Willis, and Cindy Hanson explore the recent withdrawal of Consumer Financial Protection Bureau (CFPB) guidance affecting the Fair Credit Reporting Act (FCRA). This episode provides a comprehensive analysis of how these changes impact key areas such as preemption, background screening, permissible purpose, artificial intelligence, and state attorneys general enforcement actions. The discussion highlights the implications for consumer reporting agencies, furnishers, end-users, and the broader regulatory landscape, offering valuable insights for professionals navigating these evolving challenges. Tune in to understand the potential shifts in compliance and enforcement.

  A decade-and-a-half ago in the aftermath of the Great Recession and the financial crisis that sparked it, consumer advocates in North Carolina and around the country succeeded in spurring the creation of a new federal government watchdog known as the Consumer Financial Protection Bureau. In the years since, the CFPB has done prodigious work […]

Streamed live on Feb 18, 2025 The SITCH and ADAM Show! (Full Livestreams)Last chance to buy our graphic novel!!! http://adamfriended.com/supervillains New media channel:    / @howtokillafranchise  

Money borrowed for hospitalization is seen by many as different from paying what you owe for consumer goods: The debt is seldom from discretionary spending. The Biden-era Consumer Financial Protection Bureau had moved to protect credit scores from medical debt, but the agency is now reversing course. A nonprofit called Undue Medical Debt, led by CEO Allison Sesso, works to pay off people's medical debt as a charitable endeavor. But first, Trump's spending bill moves to the Senate.

Money borrowed for hospitalization is seen by many as different from paying what you owe for consumer goods: The debt is seldom from discretionary spending. The Biden-era Consumer Financial Protection Bureau had moved to protect credit scores from medical debt, but the agency is now reversing course. A nonprofit called Undue Medical Debt, led by CEO Allison Sesso, works to pay off people's medical debt as a charitable endeavor. But first, Trump's spending bill moves to the Senate.

Under the Trump administration, major changes at key consumer protection agencies, including widespread staff cuts and rule rollbacks, are raising concerns about the future of efforts to curb unfair or deceptive financial practices. Professor Terri Friedline explains what's been happening at the Consumer Financial Protection Bureau, why it matters, and how these shifts impact the people who can least afford to be left unprotected. And she draws on her research to highlight how the financial system has left many behind, despite the promises of new financial technologies.   For more on this topic:  Read Friedline's commentary about how financial technology firms prey on the poor in Truthout  Check out her book, Banking on a Revolution: Why Financial Technology Won't Save a Broken System   

In Jan. 2025, then-Vice President Kamala Harris announced a final rule by the Consumer Financial Protection Bureau to remove medical debt from consumers’ credit reports. The policy was to take effect in March, but just like many other Biden-era actions, the Trump administration is changing course. Now, a federal judge is expected to decide in mid-June about whether to vacate the consumer protection rule. Georgia ranks among the top five states with the most medical debt, with 13% of adults in the state owing money. Former health tech executive and consumer advocate Scott Speranza, the CEO of HealthLock, discusses what this could mean for Georgians. For “Closer Look’s” Class of 2025 graduation series, we hear from Bon Varlet. The standout Kennesaw State University graduate majored in information technology. She talks with Rose about her academic journey, including earning a Fulbright Study Award, and her aspirations to attend law school and to protect public institutions, particularly libraries.See omnystudio.com/listener for privacy information.

In this episode of 'Cybersecurity Today,' host Jim Love discusses several urgent cybersecurity topics. Microsoft has released an emergency patch after a recent Windows update caused BitLocker recovery mode on certain systems, locking users out without warning. The issue stems from the May security update affecting systems using Intel, vPro chips, and TXT. Tech enthusiasts may manually download the patch through the Microsoft Update catalog, while Microsoft urges users to secure their BitLocker recovery keys. The episode also highlights day one of Pwn2Own Berlin 2025, where hackers successfully breached Windows 11, Red Hat Linux, and Oracle Virtual Box, earning a combined $260,000 in prize money. Additionally, US experts discovered hidden communication hardware in Chinese-made solar equipment, raising concerns about remote access risks to the power grid. The FBI warns of a new wave of AI-generated phishing attacks that bypass traditional security measures. Finally, the Consumer Financial Protection Bureau has quietly backed down from regulating data brokers, sparking controversy among privacy advocates. Jim Love offers insights and reminds listeners of the importance of cybersecurity. 00:00 Introduction and Headlines 00:27 Microsoft's Urgent Patch for BitLocker Issue 02:26 Pwn2Own Berlin 2025: Major Security Breaches 04:11 Hidden Devices in Chinese Solar Equipment 06:05 FBI Warns of New Linkless Phishing Attacks 07:58 CFPB Withdraws Rule on Data Brokers 09:33 Conclusion and Contact Information

Administrative Law: May courts enjoin the President from dismantling of the Consumer Financial Protection Bureau? - Argued: Fri, 16 May 2025 13:0:16 EDT

The Consumer Financial Protection Bureau's changed its mind about protecting consumers from data brokers - we'll tell you more. Plus a look at the security side of this week's OS updates from Apple on this edition of The Checklist, brought to you by SecureMac. Check out our show notes: SecureMac.com/Checklist And get in touch with us: Checklist@Securemac.com

This week's episode of the Business Brief, looks into dresses that could be getting more expensive. Then, the podcast looks into a major overhaul of the Consumer Financial Protection Bureau.

The Consumer Financial Protection Bureau is set to withdraw a Biden-era rule aimed at cracking down on data brokers and their selling of Americans' personal and financial information. In a notice in the Federal Register, the CFPB said legislative rulemaking on the data broker industry “is not necessary or appropriate at this time,” and the agency does not plan to “take any further action” on the proposal. The notice was issued by Russell Vought, acting director of the agency, head of the Office of Management and Budget and a Project 2025 architect. The withdrawal of the rule, which was first reported by Wired, comes after President Donald Trump's initial nominee to lead the CFPB signaled to Congress in February an openness to continuing Biden administration data-broker rules. Jonathan McKernan, a former Treasury Department and Federal Housing Finance Agency staffer, told the Senate Banking Committee that Rohit Chopra — President Joe Biden's CFPB director — “was onto something” with his policies targeting data brokers and data aggregators. The CFPB's withdrawal notice took particular issue with the rule's focus on the Fair Credit Reporting Act, saying that the proposal was “not aligned with the Bureau's current interpretation of the FCRA, which it is in the process of revising.” The Senate on Wednesday voted 54-43 to confirm businessman Emil Michael as undersecretary of defense for research and engineering and the Pentagon's chief technology officer. In that position, Michael will serve as the primary advisor to the secretary of defense and other Defense Department leaders on tech development and transition, prototyping, experimentation, and management of testing ranges and activities. He'll also be in charge of synchronizing science and technology efforts across the DOD. Michael comes to the job from the private sector, where he's been a business executive, advisor and investor. He told members of the Senate Armed Services Committee that he's been involved with more than 50 different tech companies during his career. Perhaps most notable, from 2013 to 2017, he was chief business officer at Uber. In government, he previously served as special assistant to the secretary of defense when Robert Gates was Pentagon chief. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

In today's all-new episode, our hosts Renato Mariotti and Asha Rangappa discuss Trump's attempt to dismantle Voice of America, a government-funded international broadcasting agency created during World War II to counter foreign propaganda. They analyze the legal challenges to Trump's executive order, highlighting the First Amendment implications and the Administrative Procedure Act violations. Before diving in, remember to subscribe to our Patreon for exclusive insights and behind-the-scenes content: patreon.com/reallyamericanmedia. Asha kicks off the discussion by emphasizing the indispensable role Voice of America has long played in countering disinformation and delivering unbiased news around the world. Now, under the Trump administration, this vital institution is under attack—disguised as a routine executive order. Renato delves into the unfolding legal battle, explaining how this overreach not only threatens First Amendment rights but also sidesteps congressional oversight in violation of established law. The conversation then expands as Renato and Asha examine Trump's persistent pattern of undermining key institutions. His assault on Voice of America is just one front in a broader campaign—one that has also targeted agencies like the Consumer Financial Protection Bureau—eroding the checks and balances that hold our government accountable. Asha warns that such unilateral decisions create dangerous vulnerabilities in our democratic framework. Moving into in-depth legal analysis, our hosts question whether these executive actions effectively usurp Congress's legislative authority and destabilize the separation of powers essential to our democracy. They examine the societal fallout from unchecked executive overreach and lay bare the threat posed to the core values that guide our nation. In a notable twist, the episode highlights an emerging legal precedent. A Reagan-appointed judge recently blocked Trump's action via an injunction—revealing deep tensions within the judiciary as it grapples with the limits of executive power. The subsequent appeal and full court review underscore both the urgency and the high stakes involved, with the livelihoods of over 1,300 journalists hanging in the balance. Wrapping up, the discussion widens to the global stage. Voice of America is not just a news outlet; it symbolizes America's unwavering commitment to truth and free speech. The attempt to silence it represents a serious blow to our nation's reputation as a defender of democracy worldwide. Renato and Asha passionately call for vigilance and collective action. They urge every branch of government—and all of us—to stand up for democratic principles and resist efforts to curtail our freedoms. Their incisive exploration of these legal and political battles reminds us that democracy thrives on transparency and accountability. Don't miss this crucial episode as Renato and Asha dive deep into the pressing issues threatening our media landscape and democratic institutions. Join the discussion and subscribe for more thought-provoking conversations on the topics that matter most. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's podcast features Stephen Calkins, a law professor at Wayne State University in Detroit and former General Counsel of the Federal Trade Commission (the “FTC”). President Trump recently fired, without good cause, the two Democratic members of the FTC, leaving only two Republican members as commissioners. He did this even though the FTC Act provides that a commissioner may be fired by the President only for good cause and that the commission is to be governed by a bi-partisan 5-member commission This is the third time in the past few weeks that Trump has fired without good cause democratic members of other federal agencies; the other two being the National Labor Relations Board (The “NLRB”) and the Merit Selection Protection Board (The “MSPB”). The statutes governing those two agencies, like the FTC Act, allow the President to fire a member of the governing board for good cause only. The fired members of all three agencies initiated lawsuits in federal district court for the District of Columbia, seeking mandatory preliminary injunctions requiring those agencies to reinstate them with back pay. We discuss the status of the two lawsuits and how the outcome will turn on whether the Supreme Court will apply or overrule a 1935 Supreme Court opinion in Humphrey's Executor, which held that the provision in the Constitution allowing the President to fire an FTC commissioner for good cause only did not run afoul of the separation of powers clause in the Constitution. Conversely, the Supreme Court will need to determine whether the Supreme Court opinion in Seila Law, LLC V. Consumer Financial Protection Bureau should apply to these two new cases. In Seila Law, the Supreme Court held on Constitutional grounds, that the President could fire without good cause the sole director of the CFPB even though the Dodd-Frank Act allowed the President to fire the sole director of the CFPB for good cause only. Until this gets resolved, the FTC will be governed only by two Republican commissioners who will constitute a quorum for purposes of conducting official business. Professor Calkins explains how a Supreme Court ruling in these two new cases upholding Trump's firing of the Democratic members of the agencies could enable the President to fire without good cause members of other multiple-member agencies, like the Federal Reserve Board. We then discuss the status of the following four final controversial FTC rule, some of which were challenged in court: the CARS Rule, the Click-to-Cancel Rule, the Junk Fee Rule, and the Non-Compete Rule. We also discuss the impact of President Trump's Executive Order requiring that all federal agencies, including so-called “independent” agencies, must obtain approval from the White House before taking any significant actions, like proposing or finalizing rules. Then, we discuss the status of enforcement investigations and litigation and whether any of them have been voluntarily dismissed with prejudice by the FTC under Trump 2.0, whether any new enforcement lawsuits been filed, and what they involve. We discuss our expectation that the FTC will be a lot less active in the consumer protection enforcement area during Trump 2.0. We then discuss the impact on staffing because of DOGE-imposed reductions-in-force. Finally, we touch upon the status of pending antitrust enforcement lawsuits. Alan Kaplinsky, former practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel, hosts the discussion.

Today on CarEdge Live, Ray and Justise discuss the new developments surrounding the FTC Cars Rule and the Consumer Financial Protection Bureau. Tune in to learn more!

Top officials of the Consumer Financial Protection Bureau erupted in cheers this month.

Top officials of the Consumer Financial Protection Bureau erupted in cheers this month.How odd. The cheers were for a federal court that had just ruled in favor of letting big banks gouge us with exorbitant feeds when we're late making a credit card payment. Bizarrely, agency officials joined jubilant bank executives in declaring, “This is a win for consumers.”Huh? The court's blatantly plutocratic ruling lets financial giants slap us credit card customers with punitive fees of $32 or more for every late payment. The court is legalizing their consumer robbery, allowing credit card lenders to pluck an extra $10 billion a year in excess fees from our pockets. Adding to their shame, the profiteering bankers will mainly squeeze this windfall from low-paid working families who're living paycheck to paycheck, having to rely on credit to make ends meet.So why in hell are the government's consumer protectors cheering this? Because these officials are no longer “ours,” but corporate operatives been installed by Trump's brigade of billionaires. The supreme goal of their autocratic government is to further empower the rich over the rest of us.Indeed, displacing consumer protectors with agents who'll protect corporations from consumers was an explicit goal of Project 2025. That extremist manifesto was co-authored by Russell Vought, a fanatical right-wing politico from the Christian Nationalist cult. What's he doing now? Trump has put Vought in charge of the Consumer Financial Protection Bureau.Thus, a national agency meant to help average consumers have a bit more of a fighting chance against financial greed has been perverted by Trump into just another tool helping moneyed elites rip off working families. How great does that make America?Do something!Consumer Reports and the Consumer Federation of America are both working to save the CFPB; additionally, a lawsuit has been filed by Gupta Wessler, a high-stakes litigation firm in D.C., on behalf of the National Treasury Employees Union, National Consumer Law Center, NAACP, Virginia Poverty Law Center, Pastor Eva Steege, and the CFPB Employee Association.Jim Hightower's Lowdown is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit jimhightower.substack.com/subscribe

The American Revolutionary War began 250 years ago Saturday. You probably know the political reasons behind the American colonists' fight for independence, but there were major economic grievances, as well. Today, we're taking a look back. Plus, the Trump administration has moved to fire most staffers at the Consumer Financial Protection Bureau. And despite attempts at a revival from the Trump administration, the future of coal will likely continue to look bleak.

Rohit Chopra was the Consumer Financial Protection Bureau head until the end of January, when President Donald Trump fired him and Elon Musk's DOGE began trying to dismantle the agency. The CFPB has been pretty popular since it was founded in the wake of the 2008 financial crisis to protect consumers, so shutting it down has kicked off a bunch of controversies — not least of which was whether Trump and Musk even had the power to do it. This all led me to ask several times who made the decision to fire him, who is currently responsible for the various policies of our government, and whether any of those things add up to a clear plan. Some of the most powerful executives in the world answer questions like this on Decoder all the time. But Rohit just didn't know — and that should probably be as worrying as anything. Links:  Trump fires CFPB director Rohit Chopra | Associated Press Trump orders CFPB to stop work, closes building | Associated Press CFPB workers reinstated after court order but still can't work | The Verge Trump admin to appeal order blocking CFPB shutdown | Bloomberg Law A shady tech bootcamp may be sneaking back online | The Verge CFPB won't enforce long-awaited payday lending rule | Bloomberg Law CFPB seeks to vacate redlining settlement, refund lender | Banking Dive CFPB signals it will drop rule regulating BNPL like credit cards | PYMTS CFPB drops fraud lawsuit against banks, Zelle | CNBC Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Our producers are Kate Cox and Nick Statt. Our editor is Ursa Wright.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Monday, March 31st, 2025Today, we're just hours away from the Wisconsin Supreme Court election which will decide the balance of the highest court in the state; law firm Skadden Arps gives $100M in free legal services; the plaintiffs in the Alien Enemies Act case have filed a motion for a preliminary injunction as Judge Boasberg extends his temporary restraining orders; the Trump administration is looking to gut funding to combat child labor abroad; Wisconsin Attorney General Josh Kaul is shot down by the courts after suing to stop Elon from buying votes; RFK Jr is gutting the vaccine promotion and HIV prevention office at HHS after forcing out the FDA's top vaccine scientist; Amy Berman, Judge Jackson if you're nasty, has blocked the dismantling of the Consumer Financial Protection Bureau; Pete Hegseth hired his brother and then brought his wife to sensitive Pentagon meetings; an appeals court says that Trump CAN fire members of the NLRB and MSPB and plaintiffs Wilcox and Harris are going to seek an en banc reversal; DOGE plans to rebuild the Social Security Administration's code base; thousands turn out for the Tesla Takedown protests over the weekend; a piece on how to think like a dissident; and Allison delivers your Good News.*A previous version of this episode included an interview with Swing Left's Executive director Yasmin Radjy. That interview was meant to run on Thursday. For more about Swing Left and their upcoming 3 to Win campaign check out SwingLeft.org on April 3rd. Thank You, HomeChefGet 18 Free Meals, plus Free Shipping on your first box, and Free Dessert for Life, at HomeChef.com/DAILYBEANS.  Must be an active subscriber to receive free dessert.Stories:The ACLU Has Filed for a Preliminary Injunction in the Alien Enemies Act Case | MuellerSheWroteFederal judge halts Trump administration's policy of deportation to third countries | Miami HeraldFederal judge blocks mass firings of Consumer Financial Protection Bureau workers | CBS NewsJudge blocks Trump executive order targeting law firm tied to Mueller probe | CNN PoliticsTrump administration moves to cut programs that fight child labor abroad | The Washington PostAppeals court clears way for Trump to fire members of labor and workforce protection boards | CBS NewsThe top FDA vaccine official is forced out, cites RFK Jr.'s 'misinformation and lies' | NPRRFK Jr. to gut vaccine promotion and HIV prevention office, sources say | CBS NewsDOGE Plans to Rebuild SSA Code Base in Months, Risking Benefits and System Collapse | WIREDHegseth's younger brother is serving in a key role as liaison and senior adviser inside the Pentagon | AP NewsHow to Think (and Act) Like a Dissident Movement | The BulwarkGood Trouble: The American Psychological Association just suspended their diversity standards under pressure from the Trump admin. Fuck that shit. I wrote a letter to the APA telling them that I am suspending my membership until they reverse this capitulation to fascism and dumb anti-science bull shit.  Good trouble for everyone: write or call the American Psychological Association and tell them that diversity is crucial to mental health.Mailing address:American Psychological Association750 First Street, NEWashington, DC 20002-4242Telephone: (800) 374-2721 or (202) 336-5500Trump and Musk are attempting an illegal power grab is a crisis we must stop. HandsOff2025.comFederal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen. From The Good NewsSocial Security Fairness Act: Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) update | sea.govDancing Well: The Soldier ProjectFrom Seattle to Miami, anti-Musk protesters gather at hundreds of Tesla locations | NPRVocational Rehabilitation Program - Texas Workforce CommissionReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, Twitter|@MuellerSheWrote, Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, BlueSky|@muellershewroteDana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts