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Project 2025 has quickly become the most consequential—and controversial—blueprint for American governance in recent history. Conceived by the Heritage Foundation and launched with a sprawling 927-page policy manual in April 2023, Project 2025's core goal is to reshape the entire federal government according to staunch conservative priorities. It is, as Heritage Foundation president Kevin Roberts puts it, an effort to “dismantle the administrative state and restore presidential control over the executive branch.”Yet behind those words lies an ambitious checklist for the next presidential administration, presuming a Republican—most likely Donald Trump—takes office. Project 2025 is not just a collection of ideas. It is a detailed playbook, complete with executive orders, departmental reorganization timetables, and a so-called 180-day playbook, designed for rapid execution on “Day One.”At the heart of Project 2025 is an unprecedented push to centralize power in the Oval Office. The plan relies on the controversial unitary executive theory, which argues all executive branch employees should be directly answerable to the president. Kevin Roberts has been explicit: “All federal employees should answer to the president.” According to the project manual, entire agencies such as the Department of Justice, Consumer Financial Protection Bureau, and the Federal Trade Commission would lose their current independence and fall under direct White House control.One of the most sweeping reforms revolves around personnel. The blueprint resurrects the idea of “Schedule F”—a Trump-era category that would allow the president to reclassify tens of thousands of career civil servants as political appointees, instantly stripping them of protections from partisan firing. The National Federation of Federal Employees warns this would “give the president and his loyalists full control of the executive branch for personal and political gain,” hollowing out civil service checks that have traditionally protected against corruption and patronage.Concrete examples illustrate the scale of the changes envisioned. In foreign policy, the State Department chapter recommends that, before January 20, all leadership be dismissed and replaced with ideologically aligned “acting” appointees who bypass Senate confirmation entirely. Kiron Skinner, the former policy planning chief who wrote this section, has called for removing staff she considers too left-leaning, despite admitting she could not name a single time employees substantively obstructed White House policy.The playbook doesn't stop there. Project 2025 proposes slashing federal workforce numbers through forced attrition, with the White House directing agency heads to lay off or consolidate thousands of positions and eliminate entire offices deemed non-essential. For example, agencies like USAID and the CFPB are earmarked for dissolution, their functions either axed or merged into departments more closely monitored by the executive.Critics from organizations like the American Civil Liberties Union highlight how Project 2025 seeks to erode key civil liberties across a range of issues—abortion, LGBTQ rights, free speech, and the environment. The ACLU describes the initiative as “a roadmap for how to replace the rule of law with right-wing ideals.” Meanwhile, labor unions such as AFGE and NTEU have mounted lawsuits to block the executive orders targeting civil service protections, warning of the dangers of introducing broad political loyalty tests into government hiring and firing.Supporters claim these moves would eliminate bureaucratic inertia and bring swift, accountable leadership to Washington. Yet, legal scholars and former officials have called Project 2025 authoritarian, warning it undermines separation of powers and blurs the lines between partisanship and governance.With the November 2024 presidential election looming, Project 2025's fate comes down to political winds and court rulings. The Heritage Foundation and its partners have prepared a rapid-fire battery of executive orders, ready for signature if they get their candidate in office. Milestones to watch include ongoing legal challenges, Congressional resistance, and, above all, the outcome of the national vote.The scope and ambition of Project 2025 are nothing short of historic, representing both a culmination of decades-long conservative advocacy and an inflection point in debates over 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

Project 2025 began with a clandestine meeting of political strategists and conservative activists in the spring of 2022, their goal clear and unsettling: to engineer a dramatic transformation of American governance. By April 2023, this ambition took written form—a sprawling, 900-page policy blueprint released by the Heritage Foundation and dubbed Mandate for Leadership. Its stated purpose was simple: destroy the so-called “Administrative State” and concentrate presidential power like never before.Supporters of Project 2025 call it a necessary overhaul, arguing that “an unaccountable and biased bureaucracy” has long obstructed the will of the people. The plan's central premise is to place the entire federal executive branch, including agencies like the Department of Justice and the FBI, under direct White House control. As Kevin Roberts, Heritage Foundation president, declared, “All federal employees should answer to the president.” The project's architects are explicit—they want to rid agencies of perceived ideological opponents, filling key roles with loyalists on “Day One.” They envision the president hiring scores of political appointees with no expiration date, using what's known as Schedule F. Under this system, career civil servants could be transferred into politically appointed positions, stripping away their traditional legal protections against arbitrary removal or political interference.Kiron Skinner, who authored the State Department section of Project 2025, was blunt about her intentions: remove all senior staff and bring in conservatives ready to serve the administration's agenda. When interviewer Peter Bergen pressed her in June 2024 to provide examples of bureaucratic resistance, she came up empty handed. Despite this, the plan moves forward.Concrete proposals are sweeping. Project 2025 prescribes eliminating the Consumer Financial Protection Bureau and the United States Agency for International Development outright. The Department of Government Efficiency, led by Elon Musk, wasted no time, dissolving entire agencies, laying off tens of thousands, and initiating a government-wide return-to-office mandate. These personnel moves layered chaos atop the rollback of existing policy, leaving many agency missions in limbo.In criminal justice, Project 2025's recommendations are transformative and controversial. The agenda calls for the Department of Justice to charge or remove local prosecutors who, in their view, fail to sufficiently prosecute crimes like low-level marijuana possession or shoplifting. This would dismantle the tradition of local prosecutorial discretion, potentially pressuring DAs elected on reform platforms to abandon their priorities for fear of federal retribution. The plan also aims to expand federal law enforcement into local jurisdictions deemed “soft” on crime. According to the Brennan Center for Justice, these changes would shift the balance of power away from local communities and toward a politically driven federal apparatus.Project 2025 extends well beyond law enforcement. Its architects target environmental regulations, labor rights, health policies, and civil liberties. Detractors such as the ACLU warn that this initiative represents “a dystopian view of America,” threatening civil rights, reproductive freedoms, and hard-won democratic norms. The Center for Progressive Reform describes the project as “an authoritarian blueprint” likely to weaken the very institutions meant to protect public health, the environment, and equitable governance.Yet, proponents remain undeterred. They envision a streamlined government, claiming it will be more effective and responsive, a nod to longstanding conservative desires to reduce bureaucracy and entrench executive authority. Critics, however, see dangers in the centralization of power, the erosion of checks and balances, and the removal of expert administrators in favor of partisan loyalists.As the next presidential transition approaches, all eyes turn to the practical impact of Project 2025's prescriptions. Lawsuits and public pushback are already in motion, with labor unions and advocacy groups scrambling to block or mitigate the plan's most far-reaching aspects. Whether this ambitious blueprint will upend American governance or falter in the face of legal and institutional resistance remains uncertain.Thank you for tuning in. Come back next week for more in-depth reporting on the forces shaping the nation's future.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Project 2025 began quietly in conservative conference rooms but today stands at the center of a storm over the future of American governance. Born from the Heritage Foundation and assembled by over one hundred right-leaning partners, its 900-page “Mandate for Leadership” lays out not just a governing plan for a future Republican administration, but a wholesale reimagining of the federal government itself. Supporters rally around its stated purpose: as Heritage's Kevin Roberts says, “We're going to impose the will of the people through a reinvigorated executive branch.” Critics, however, warn of what the American Civil Liberties Union calls “a blueprint for replacing the rule of law with right-wing ideals.”One of Project 2025's boldest proposals is placing the entire executive branch—agencies like the Department of Justice, the FBI, even the Federal Communications Commission—under direct presidential control. The aim, described by Roberts as “ending the era of the ‘independent' bureaucracy,” is rooted in the controversial unitary executive theory. The project calls for every senior official in the State Department to be replaced by a president's handpicked loyalists, bypassing the usual Senate confirmation process. Kiron Skinner, who authored the State Department chapter, explained her vision by insisting most career employees are “too left-wing” and must make way for “warriors for the conservative agenda.”The methods are as consequential as the proposals. Project 2025 revives the idea of “Schedule F,” a bureaucratic mechanism that lets a president reclassify tens of thousands of civil service jobs, stripping long-held protections. The National Federation of Federal Employees warns that by transforming apolitical government roles into political appointments, Project 2025 would make it nearly impossible for career staff to resist pressure or political overreach. As one union leader put it, “Without civil service protections, federal employees will be powerless to stop them.”The details ripple into almost every corner of American life. A return-to-office mandate for federal workers, for example, upends years of flexible work arrangements, with federal employees ordered back to their offices, often within tight timelines. The Consumer Financial Protection Bureau, an agency created after the 2008 financial crisis to oversee banks and safeguard consumers, is marked for elimination. Agencies like USAID, which manages American humanitarian aid abroad, have already faced drastic cuts and layoffs, with numbers reaching into the hundreds of thousands according to Challenger, Gray & Christmas.Labor unions also appear squarely in the project's crosshairs, with proposals to ban public-sector unions, eliminate card check elections, and speed up the process to decertify existing unions. Another core promise is what Project 2025 calls the “restoration of the family.” The authors advocate policies that would restrict abortion, curtail LGBTQ+ rights, and reinforce what they describe as traditional values. According to the project's summary, the intent is to make the family “the centerpiece of American life,” a phrase that has triggered heated debate over what counts as a family in today's country.Some experts warn these moves risk upending critical norms. Legal scholars have voiced concern that Project 2025, if realized, could hurry the erosion of separation of powers, spark legal battles over constitutional rights, and bring about what many label the most extensive centralization of power in the modern era. Detractors have called it a “systemic, ruthless plan to undermine democracy,” while supporters argue it's a necessary correction to what they see as runaway bureaucracy.Looking ahead, the nation waits. The next major turning point arrives this November, when voters will decide not only on a president but, indirectly, on whether Project 2025's policies—already mapped, written, and ready for day one—will be greenlit for action. Whichever side prevails, both the vision and the pushback it's generated signal a lasting confrontation over the future shape of American democracy.Thank you for tuning in, and come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

In this episode, Christine Chabot of Marquette University Law School and Michael McConnell of Stanford Law School join to discuss Federal Reserve Governor Lisa Cook's termination and the broader legal and constitutional issues it raises, such as the constitutionality of the Federal Reserve and the scope of the president's removal power.    Resources Trump v. Wilcox (2025) Collins v. Yellin (2021) Seila Law LLC v. Consumer Financial Protection Bureau (2020) Humphrey's Executor v. United States (1935) Christine Chabot, “Is the Federal Reserve Constitutional? An Originalist Argument for Independent Agencies,” Notre Dame Law Review (2020) Michael McConnell, “Opinion: Save the Federal Reserve's independence by splitting the agency,” Washington Post (September 3, 2025) In our new podcast, Pursuit: The Founders' Guide to Happiness Jeffrey Rosen explores the founders' lives with the historians who know them best. Plus, filmmaker Ken Burns shares his daily practice of self-reflection.  Follow Pursuit: The Founders' Guide to Happiness on Apple Podcast and Spotify.     Stay Connected and Learn More  Questions or comments about the show? Email us at podcast@constitutioncenter.org. Continue the conversation by following us on social media @ConstitutionCtr.  Explore the America at 250 Civic Toolkit. Sign up to receive Constitution Weekly, our email roundup of constitutional news and debate.  Follow, rate, and review wherever you listen. Join us for an upcoming live program or watch recordings on YouTube.  Support our important work:  ⁠⁠⁠⁠⁠⁠⁠⁠Donate

Project 2025 is not just a policy blueprint—it's a movement aiming to remake American governance from the ground up. Growing out of the Heritage Foundation's nearly 1,000-page Mandate for Leadership, Project 2025 lays out detailed steps to reshape the federal government in ways that, in its authors' words, will “destroy the Administrative State.” Supporters see it as a plan to bring an unaccountable bureaucracy under control, while critics warn it risks undermining the checks and balances at the heart of American democracy.At the heart of Project 2025 is an ambitious assertion of presidential control over the federal government. The proposal rests on the controversial unitary executive theory—a vision that would give the president direct authority over agencies traditionally considered independent. According to Heritage Foundation president Kevin Roberts, “All federal employees should answer to the president.” That's not an abstract idea; the plan explicitly calls for replacing civil service protections with the so-called Schedule F scheme, permitting mass firings and replacing thousands of current staffers with political loyalists who can be hired—and fired—at will. The stated aim is to ensure government personnel are “aligned with the president's vision,” a move that legal experts like those at the ACLU say could erode the rule of law and the traditional separation of church and state.One of the most consequential aspects of Project 2025 is its Day One playbook—hundreds of executive orders prepared for immediate signature by a new Republican president. These directives aren't vague. The plan recommends, for example, eliminating entire agencies such as the Consumer Financial Protection Bureau. It also outlines how to dismiss all Department of State leadership before the next inauguration, replacing them with interim officials who are “ideologically vetted,” bypassing Senate confirmation. Kiron Skinner, who contributed to the State Department chapter, told journalist Peter Bergen this summer, “Most State Department employees are too left-wing and must be replaced by those loyal to the president,” though she could not name concrete examples of alleged obstruction.The intended changes go far beyond personnel shuffles. Project 2025 includes proposals for increasing executive control over policy on education, health, and the environment—often with the goal of terminating or rolling back regulations deemed “woke” or outside a conservative agenda. For example, its environmental proposals would gut major climate initiatives and environmental protections, while social policy sections support rolling back abortion rights and LGBTQ protections. Heritage Foundation materials state that these moves are needed to “put the people back in charge,” but organizations like the Center for Progressive Reform warn that such changes could devastate protections for workers, the public's health, and marginalized communities.Concrete steps are already underway. Since January, under the new Department of Government Efficiency, agencies have announced mass layoffs and office closures, with an eye toward shrinking government to its “essential functions.” According to data cited by Government Executive, more than 280,000 federal workers and contractors are facing layoffs or job uncertainty across 27 federal agencies. Office buildings are being consolidated, and a strict return-to-office mandate is being enforced to reduce federal infrastructure, often in a haphazard fashion.Project 2025's vision is not universally accepted even within conservative circles, but its scale and urgency have jolted both supporters and opponents. Critics, from policy experts to civil liberties advocates, argue that replacing career professionals with political operatives risks turning agencies into arms of the executive, threatening not just efficiency but the stability of American institutions. Yet, for its authors, this is precisely the point—a bold, sweeping course correction.Looking forward, the coming months will see critical decision points as Congress, the courts, and public opinion respond to the push to enact Project 2025. Both sides are mobilizing, as legal battles and heated public debates loom. As American governance stands on the cusp of profound change, Project 2025 offers both a rallying cry and a warning—one that demands attention from every corner of the nation.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

Project 2025 is reshaping the conversation about the role and reach of the federal government in ways that feel both sweeping and personal. Born from the Heritage Foundation's “Mandate for Leadership,” this 900-plus-page policy blueprint divides nearly every federal agency and department into zones of targeted reform, all aimed at what its architects call “destroying the administrative state.” Heritage Foundation President Kevin Roberts summed up the mood behind it simply, declaring that “every federal employee should answer to the president.” That principle, experts say, guides the project's plans to consolidate power at the top and move swiftly on a series of executive moves from day one.The scale of intended change is hard to overstate. Project 2025 outlines an operational playbook for the first 180 days of a new Republican administration. Its centerpiece is Schedule F—a government job classification that would allow the new president to reclassify tens of thousands of career civil servants as at-will political appointees. That means federal workers, who traditionally hold their positions regardless of party, could be replaced without cause by loyalists. Kiron Skinner, who authored the State Department chapter, suggested clearing out senior career officials before January 20 and quickly installing appointees who share the president's views, bypassing regular Senate confirmation requirements. Skinner argues such moves are necessary to ensure ideological alignment, though when pressed by CNN's Peter Bergen, she couldn't cite a specific past obstruction by career diplomats.Concrete actions have followed rhetoric. When President Trump took office on January 20, he and Elon Musk's newly minted Department of Government Efficiency hit the ground running. According to Government Executive and other outlets, entire agencies like the Consumer Financial Protection Bureau and USAID were targeted for elimination through “legally questionable means,” with the stated goal of cutting $1 trillion in spending. Executive orders soon followed, including one mandating that federal agencies may only hire one worker for every four who leave, and requiring return-to-office mandates for a federal workforce that had grown accustomed to remote work during the pandemic.Faced with the threat of losing job protections, over a quarter-million federal workers and contractors were facing layoffs by spring 2025, with forty-seven years of collective bargaining law challenged as unions raced to court. NTEU President Doreen Greenwald put it bluntly, calling it “an attack on the law, and on public service.” Opposition isn't limited to labor groups. The ACLU has charged that Project 2025 is a “roadmap to replace the rule of law with right-wing ideals,” warning that the proposals could undermine legal norms, civil rights, and protections for marginalized groups. Legal scholars from both political parties have raised flags about weakening the separation of powers, endangering environmental and public health safeguards, and risking consolidated, unchecked executive authority.Proponents are equally resolute. They argue that Project 2025 is a necessary corrective to what they view as a bloated, left-leaning bureaucracy unaccountable to the people. Heritage Foundation materials frame the federal government as too large, too costly, and resistant to the priorities of conservative Americans. They cite the sheer scale—over 2.4 million civilian federal employees—and the proliferation of agencies as drivers for dramatic consolidation and workforce reductions.Specific policy proposals go beyond personnel. The project seeks to reset environmental rules, roll back climate policies, and overhaul protections related to health, education, and civil rights. Critics, including groups like the Center for Progressive Reform, warn that these policies will lead to significant negative effects for ordinary Americans—from loss of workplace and environmental protections to sharp changes in immigration enforcement and reproductive rights.As the summer of 2025 progresses, listeners should watch several key milestones. Court cases brought by federal employee unions and advocacy groups could set vital precedents for the separation of powers. Agency heads are evaluating which departments could be merged or eliminated entirely in accordance with new directives. Congress, too, will play an uncertain but pivotal role as many Project 2025 reforms require new legislation or appropriations. Meanwhile, a country already polarized by election-year tensions is bracing for the long-term consequences of this radical experiment in federal power.Thank you for tuning in to this week's deep dive into Project 2025's ambitions and realities. Be sure to come back next week for more crucial stories shaping the nation.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Project 2025 began quietly in conservative circles, with its origins traced to a Spring 2022 gathering of strategists and operatives in Washington. By April 2023, the Heritage Foundation had unveiled the nine-hundred-plus page blueprint, branding it “Mandate for Leadership: The Conservative Promise.” The document reads less like a policy wish list and more like a regime change manual, spelling out a dramatic vision for American governance under a future conservative administration.Kevin Roberts, president of the Heritage Foundation, captured the mood in a statement: “All federal employees should answer to the president.” This encapsulates the project's signature ambition—greater centralization of executive power—rooted in what conservative legal theorists call “unitary executive theory.” According to analysis in The New York Times, this vision would go farther than any post-Nixon Republican platform by making the entire federal bureaucracy directly accountable to the president, erasing agency independence and civil service barriers that have existed for decades.The Project's approach is methodical. Its 180-day playbook details how agency heads should be replaced immediately after inauguration, with thousands of ideologically vetted appointees stepping into critical roles. The controversial Schedule F personnel policy is central: it seeks to reclassify existing civil servants, strip them of job protections, and replace large swathes with loyalists, allowing the new administration essentially unlimited power to hire and fire across government. According to the National Federation of Federal Employees, this would have unprecedented ramifications—apolitical employees, many with deep expertise, would lose their shields from political interference and could be replaced at will, upending regulatory stability.Examples of proposed reforms are as concrete as they are sweeping. The plan advocates abolishing entire agencies, including the Consumer Financial Protection Bureau and the U.S. Agency for International Development. According to reporting on the current administration's implementation efforts, the Department of Government Efficiency led by Elon Musk has already moved to shut down both of those agencies, simultaneously laying off over a quarter million federal workers and contractors—27 agencies impacted in total. The chaos of rapid layoffs has led to lawsuits: NTEU President Tony Reardon stated, “For over 47 years, the law has made clear that collective bargaining in the federal sector is in the public interest. We have taken the necessary action to file a lawsuit to uphold the law and stop this attack.”On the policy side, criminal justice stands as a stark example. Project 2025 recommends that the Department of Justice intervene in local cases where it believes “rule of law deficiencies” exist, targeting prosecutors who prefer diversion programs or refuse to prosecute low-level offenses. The Brennan Center underscores that this would politicize local law enforcement and undermine prosecutorial discretion, with potentially chilling effects on criminal justice reform.Economic policy proposals include consolidating the Bureau of Economic Analysis, Census Bureau, and Bureau of Labor Statistics into a single agency—a move that critics, like Democracy Forward, warn would “kneecap the data-collection capacities” essential for planning and transparency. Project 2025 also seeks to dismantle the Economic Development Administration, which recently overseen billions in infrastructure investment and the creation of over 200,000 jobs, threatening significant disruption to federal investment in communities.Supporters argue these measures will “destroy the administrative state,” clearing away what they view as unaccountable power. Critics, from the ACLU to the Center for Progressive Reform, counter that the blueprint's methods—centralized appointment, aggressive deregulation, and sweeping personnel changes—threaten democratic checks and balances, civil rights, and the rule of law.As the country approaches pivotal elections, Project 2025 stands at a crossroads between aspiration and action. The next major milestone will arrive with the inauguration—should the conservative movement prevail, all eyes will be on the new administration's first hundred days, as the fate of agencies, public servants, and the structure of American governance hang in the balance.Thanks for tuning in, and come back next week for moreSome great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

If you have a loan, then the latest episode of Making Cents of Money is for you! Learn how loan servicers play a key role in borrowers' financial lives and more! Show Notes: Government and Agency Reports: • Consumer Financial Protection Bureau. (2024, Apr 3). What happens if my loan servicer changes? Retrieved from https://www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/ • U.S. Department of Education. (2023). Loan servicing information. Retrieved from https://studentaid.gov Laws and Regulations: • Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. §§ 2601-2617. • Consumer Financial Protection Bureau. (n.d.). Real Estate Settlement Procedures Act (RESPA). Retrieved from https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/real-estate-settlement-procedures-act/ • Truth in Lending Act (TILA), 15 U.S.C. §§ 1601-1667f. • Consumer Financial Protection Bureau. (n.d.). 12 CFR Part 1026 – Truth in Lending (Regulation Z). Retrieved from https://www.consumerfinance.gov/rules-policy/regulations/1026/ Web Resources: • Federal Trade Commission. (n.d.). Your rights when paying your mortgage. Retrieved from https://consumer.ftc.gov/articles/your-rights-when-paying-your-mortgage • Federal Housing Finance Agency. (n.d.). About Fannie Mae & Freddie Mac. Retrieved from https://www.fhfa.gov/about/fannie-mae-freddie-mac Student Loans: • Federal Student Aid. (n.d.). Who's my student loan servicer? Retrieved from https://studentaid.gov/manage-loans/repayment/servicers • University of Illinois System Student Money Management Center (n.d.). Student loans. Retrieved from https://www.studentmoney.uillinois.edu/learn/studentloans • Student Loan Management #GetSavvy webinar recording on YouTube: https://youtu.be/_9duc7kvTqg?feature=shared

Project 2025 has become one of the most ambitious—and controversial—proposals to reshape American governance in modern times. Unveiled by the Heritage Foundation and backed by a coalition of over 100 conservative groups, this nearly thousand-page blueprint envisions a sweeping overhaul of the federal government if a Republican president takes office in January 2025. Its stated mission is nothing short of a root-and-branch restructuring: dismantle the so-called “administrative state,” reassert presidential control, and roll back everything from agency independence to civil service protections.As Heritage Foundation president Kevin Roberts put it, “all federal employees should answer to the president.” At Project 2025's core lies an aggressive reading of the “unitary executive” theory, which claims the president should exercise direct oversight of the entire executive branch. The project calls for the elimination of the independence of agencies like the Department of Justice, Federal Bureau of Investigation, Federal Trade Commission, and the Federal Communications Commission. This would mean every official answers directly to the Oval Office, erasing barriers that, until now, protected agencies from political interference.Concrete examples of this ambition spill across the plan's 30 dense chapters. According to the policy document “Mandate for Leadership: The Conservative Promise,” Project 2025 proposes the immediate dismissal of all State Department leadership and their replacement by ideologically vetted appointees. Kiron Skinner, who led the chapter on the State Department, wrote that career officials should be replaced by those more loyal to the president's agenda—noting she considered most State staff as “too left-wing.”The implications run deep for the federal workforce. Project 2025 reinvigorates the controversial “Schedule F” system, which would allow the mass reclassification of up to a million civil service positions to at-will federal jobs. As the National Federation of Federal Employees explains, everyone in these positions could be fired and replaced at the president's discretion. This would gut long-standing protections intended to shield government workers from political retribution or interference, paving the way for a loyalist bureaucracy on “Day One.”Some of the earliest developments since the 2024 election have been dramatic. The new administration, working with an Elon Musk–led Department of Government Efficiency, has already attempted to dismantle entire agencies like the Consumer Financial Protection Bureau and the U.S. Agency for International Development. According to Politico, Musk's team eliminated the CFPB and USAID, fired tens of thousands of federal workers, and rapidly imposed return-to-office mandates intended to shrink the government's physical footprint. The White House described the effort as making government “more efficient and effective,” with President Trump issuing an executive order for agencies to hire only one new worker for every four who leave.Critics, including the American Civil Liberties Union, warn that Project 2025 poses a grave threat to civil liberties and democratic norms. The ACLU highlights that the blueprint would roll back protections for LGBTQ rights, reproductive rights, and racial equity, while rolling out aggressive new policies on immigration, policing, and free speech. The Center for Progressive Reform is tracking these moves, reporting devastating consequences upon workers, the environment, and the rights of millions as the changes ripple through every U.S. state and territory.Supporters say Project 2025 is necessary to rid Washington of bias, inefficiency, and “woke” influence. Critics counter that it is, in the words of one legal expert for The Atlantic, “an attempt to intellectually retrofit a rationale for Trumpism.” They note that many proposals may require approval from Congress or survive Supreme Court scrutiny, but much of the plan is designed to work through executive action alone.As the country heads toward the 2026 congressional midterms, all eyes are on milestones set by the Project 2025 playbook. Will the courts uphold the expanded executive powers? Can civil service protections be permanently dismantled? And to what extent will Congress shield or resist the transformation underway? More executive orders, agency reshuffles, and legal showdowns are on the horizon, ensuring the fate of Project 2025 will remain a defining issue for the nation.Thanks for tuning in—come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

In this episode of Data Driven Finance, we talk with David Silberman. David is a Visiting Lecturer in Law at Yale Law School as well as a Senior Advisor to the Center for Responsible Lending, the Financial Health Network, and other notable organizations. He taught and lectured at Georgetown University and Harvard University, and was the Consumer Financial Protection Bureau's Associate Director for Research, Markets and Regulation from November 2010 to February 2020. In this episode, we cover such topics as: What the Center for Responsible Lending does Results of some of the Center's research What the Financial Health Network aims to do What lenders are doing to get better information and data to make better decisions The current problems with credit scores as indicators of credit-worthiness Where technology has (and hasn't) made the loan application process easier for consumers What lenders are looking for in cash flow data Improving inclusivity while still making responsible loans What defines financial health Advice on wealth building for Gen Z   Some Helpful Links: Center for Responsible Lending Financial Health Network Yodlee

Just days ago, Donald Trump was standing before the press in Washington, defiant as ever, with flashing cameras capturing every word. The timing couldn't be more consequential. On August 15th, as Trump spoke flanked by law enforcement officials, the United States District Court for the District of Columbia was handing down a new motion for a Temporary Restraining Order in one of the most closely watched cases against him. The District's legal team argued for immediate intervention, referencing statements Trump had made at his press conference and linking them directly to their emergency application. That turbulent morning, as crowds gathered outside the courthouse, the air was thick with anticipation over what the court's swift action might mean for the former president and his legal team.Beyond Washington, the legal action was unfolding in California too. In Thakur v. Trump et al., a hearing scheduled for August 26th will determine whether the preliminary injunction against Trump's administration will be extended to a wider, provisionally certified class. This case is emblematic of the sweeping litigation Trump faces as plaintiffs challenge many of his executive actions, especially concerning national security and government oversight. Earlier this month, the Northern District Court held an order to show cause hearing related to the suspension of National Science Foundation grants, another issue tangentially tied to Trump's time in office and the repercussions that continue to reverberate across agencies.The Litigation Tracker managed by Lawfare details something staggering: more than two hundred ninety-eight active cases challenging Trump administration actions are currently still open, with some pushing all the way up to the Supreme Court. Judges have swung both ways—some ruling for the federal government, others against—while legal teams scramble to keep pace. The swirl of litigation encompasses issues big and small, from immigration enforcement to broader questions about executive authority and agency shutdowns.One of the hottest topics right now has centered on Trump's prerogative to force sweeping personnel changes at the Consumer Financial Protection Bureau. On August 18th, a panel of the U.S. Court of Appeals cleared the Trump administration to resume its plan to fire more than fourteen hundred CFPB employees, a move that union groups fiercely opposed. While Judge Gregory Katsas—himself appointed by Trump—wrote that there's no legal foundation to claim the administration is shutting down the agency entirely, dissenting voices like Judge Cornelia Pillard have vigorously challenged that narrative, insisting the courts must intervene if an agency's existence is being imperiled.Throughout all of this, Trump's legal team has remained on war footing, acutely aware that each courtroom drama carries not just legal ramifications but political ones. As these proceedings continue to snake through the judicial system, every decision, dissent, and order is watched with hawk-like intensity—not just by Trump's allies and critics, but by the nation at large.Thanks for tuning in, everyone. Be sure to come back next week for deeper dives and the latest updates. This has been a Quiet Please production—check out Quiet Please Dot A I for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

It's been another wild week, after the D.C. Attorney General sued the government for attempting to install the head of the D.E.A. as D.C.'s emergency police commissioner. Following an emergency hearing, US Attorney General Pam Bondi backed down and re-wrote the directive. But Andrew and Mary highlight why that's just the start: it's no longer just the D.C. National Guard being deployed in the nation's capital, National Guard units from five other red states are being sent to the city, making a complicated stew of who's in charge and who has jurisdiction. Next, they weave this thread into last week's trial over whether California's National Guard performed law enforcement operations in Los Angeles, a potential violation of The Posse Comitatus Act. And with Russia and Ukraine so much in the news, Andrew offers some reflections from the 2019 Special Counsel's report that exposes Russia's long-held goal of taking over the Donbas region. And last up, Andrew and Mary fill listeners in on two DC Circuit cases that have their attention: a decision allowing the Consumer Financial Protection Bureau to be dismantled and another that allows Trump to withhold billions in foreign aid.And a reminder: tickets are on sale now for MSNBC Live – our second live community event featuring more than a dozen MSNBC hosts. The day-long event will be held on October 11th at Hammerstein Ballroom in Manhattan. To buy tickets visit msnbc.com/live25.Want to listen to this show without ads? Sign up for MSNBC Premium on Apple Podcasts.

In this episode of Passing Judgment, Jessica breaks down three major legal developments: the Supreme Court allowing Mississippi's age verification law for social media to take effect while litigation continues, a renewed but unlikely push to overturn the Court's marriage equality decision in Obergefell, and a federal court ruling enabling potential mass firings at the Consumer Financial Protection Bureau. Jessica explains what these cases mean for our rights and daily lives, highlighting the ongoing balance between state power, individual liberties, and consumer protection.Here are three key takeaways you don't want to miss:Supreme Court and Mississippi's Social Media Age Verification Law: The episode opens with a discussion of the Supreme Court's decision to allow Mississippi's new law requiring age verification for children on social media to take effect while legal battles continue. The law mandates social media companies verify users' ages and get parental consent for kids under 18. Supporters claim it protects children from online harms, while critics argue it's vague, intrusive, and may violate the First Amendment.Renewed Push to Overturn Marriage Equality (Obergefell v. Hodges): There's renewed legal activity aimed at overturning the Supreme Court's 2015 decision in Obergefell v. Hodges, which legalized same-sex marriage nationwide. The case gained attention due to Kim Davis, a former Kentucky clerk who refused to issue marriage licenses to same-sex couples, now asking the Supreme Court to revisit the ruling.Trump Administration and the Consumer Financial Protection Bureau (CFPB): The final major story discusses a recent court decision paving the way for the Trump administration to pursue mass firings at the CFPB—a federal agency created after the 2008 financial crisis to protect consumers. Follow Our Host: @LevinsonJessica

Today's Post - https://bahnsen.co/45lNva0 Analyzing a Flat Market and the Impacts of International Events In this Monday edition of Dividend Cafe, the host discusses the relatively stagnant state of the DOW, S&P 500, and Nasdaq, attributing this to ongoing events such as the meeting between President Trump, European leaders, and Ukrainian President Zelensky, and the upcoming Jackson Hole meeting with Chairman Powell. The episode delves into metrics like the earning yields and price-to-book ratios of the S&P 500, highlighting historically low real earnings yield due to high stock prices despite high earnings and moderate inflation expectations. David also explores foreign investments in U.S. stocks, particularly a record $163 billion purchase in June, insights into tariff impacts and court rulings related to the Consumer Financial Protection Bureau, and the uncertainty surrounding upcoming Fed rate cuts. On the energy front, updates include WTI closing at $62.63 and midstream energy sector trends discussed at a recent Las Vegas conference. The episode concludes with an overview of the supply-side effects of monetary and fiscal policy, touching upon tariff implications and monetary supply growth. 00:00 Introduction and Market Overview 01:38 Inflation Insights and Market Metrics 03:35 Valuation Indicators and Market Analysis 05:33 Foreign Investments and Geopolitical Updates 07:30 Tariffs and Legal Challenges 11:07 Economic Indicators and Sector Performance 13:21 Energy Sector Deep Dive 15:52 Monetary Policy and Supply Side Economics 17:51 Conclusion and Final Thoughts Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Nonbank auto lenders may soon have a reason to celebrate, following a proposed rule change by the Consumer Financial Protection Bureau to how it defines larger participants of the auto market. On Aug. 7, the bureau filed an advanced notice of proposed rulemaking to change the definition of a larger participant in auto to nonbank entities with up to 1.1 million aggregate annual originations, an increase from 10,000. This followed the CFPB's July 14 motion filed with the Office of Management and Budget which would rule on the request. The change, if approved, would reduce the number of financiers considered larger participants to five from 63, according to the notice. Traditional lenders and nonbank entities would still be subject to state laws even if they are no longer under CFPB jurisdiction.  While this unfolds, lenders are also working to seize opportunities in the market.  Auto lenders are continuing to lean into refinance programs on the heels of stabilizing interest rates and consumers' search for affordability and better loan terms. Subprime lender Arivo Acceptance Chief Executive Landon Starr told Auto Finance News that the company is ramping up its refinance program with a goal of $60 million in average monthly origination volume. In fact, TransUnion estimates 18 million consumers, or 23% of borrowers with open auto loans, have interest rates that exceed the average APR in the industry.  Also, average vehicle transaction prices jumped 5.2% year over year in the second quarter to $31,216, according to an Edmunds report published Aug. 12. In this episode of the “Weekly Wrap,” Auto Finance News Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush discuss trends across second-quarter bank earnings for the week ended Aug. 15.  

In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer chats with Joe Farley, Chief of Sales with DRN MVTRAC SCM & Damion English, Former Member of the Consumer Financial Protection Bureau.  Damion and Joe share their expertise on the importance of up-to-the-second information and double down on the idea that the information is only as good as the action you can take quickly. They also chat about the important role that seamless integration is playing in the current market environment. Stephen also looks into his crystal ball to discuss the future of refunds and what to look for when choosing a solution for your organization. Speakers: Joe Farley, Chief of Sales, DRN MVTRAC SCM & Damion English, Former Member of the Consumer Financial Protection Bureau. Dan Bucherer, AFSA Listen now or find the AFSA Extra Credit Podcast on your favorite podcast platform.  

This Day in Legal History: Social Security ActOn August 14, 1935, President Franklin D. Roosevelt signed the Social Security Act into law, establishing the foundation of the modern American welfare state. The legislation was a centerpiece of Roosevelt's New Deal and aimed to address the widespread economic insecurity caused by the Great Depression. For the first time, the federal government created a structured system of unemployment insurance and old-age pensions, funded by payroll taxes collected from workers and employers. The law also introduced Aid to Dependent Children, a program designed to support families headed by single mothers, later expanded into Aid to Families with Dependent Children (AFDC).The Act marked a major shift in federal involvement in individual economic welfare and signaled a broader acceptance of the idea that the government bears some responsibility for the financial well-being of its citizens. Though limited in scope at first—agricultural and domestic workers, for example, were excluded—the framework it established would evolve through amendments and court challenges over the following decades.The Social Security Act was challenged on constitutional grounds shortly after its passage, but the Supreme Court upheld its key provisions in Helvering v. Davis (1937), affirming Congress's power to spend for the general welfare. Over time, the Social Security program expanded to include disability insurance, Medicare, and Medicaid. While the structure and funding of these programs remain a subject of political debate, the 1935 Act remains one of the most enduring and significant pieces of social legislation in U.S. history.A Texas state court has appointed a receiver to take control of Alex Jones' company, Free Speech Systems LLC, the parent of his Infowars show, in an effort to collect on $1.3 billion in defamation judgments related to his false claims about the 2012 Sandy Hook school shooting. Judge Maya Guerra Gamble granted the request from families of victims in the Connecticut case, authorizing receiver Gregory S. Milligan to manage and potentially liquidate the company's assets. Another hearing is scheduled for September 16 to determine whether the Texas-based judgments should also be placed under receivership.Jones, who has been in personal bankruptcy since 2022, has been shielded from immediate collection on many of these judgments, but his company's Chapter 11 case was dismissed in 2024, giving a separate bankruptcy trustee limited control over its assets. The receiver now has authority, subject to that trustee's approval, to pursue the sale of Infowars' media assets, access financial records, and initiate legal actions to recover property.Attorneys for the Sandy Hook families hailed the order as a major step toward accountability. Meanwhile, Jones' legal team plans to appeal, arguing the court was misled about prior bankruptcy rulings. Jones is also seeking U.S. Supreme Court review of the Connecticut judgment, with a filing deadline set for September 5.Alex Jones' Infowars Assets to Be Taken Over by Receiver (1)A federal judge in Philadelphia struck down Trump administration rules that allowed employers to deny birth control coverage based on religious or moral objections. U.S. District Judge Wendy Beetlestone ruled that the 2018 exemptions were not justified and found a disconnect between the sweeping scope of the rules and the limited number of employers likely to need them. The ruling came in a case brought by Pennsylvania and New Jersey, which previously reached the U.S. Supreme Court. The Court upheld the rules on procedural grounds in 2020 but did not evaluate their substance.The Affordable Care Act mandates contraception coverage in employer health plans, with narrow exemptions for religious organizations. The Trump administration expanded this to a broader class of employers, arguing that even applying for exemptions could burden religious practice. Judge Beetlestone disagreed, saying the administration failed to show a rational link between the perceived issue and its response.The Biden administration had proposed reversing the Trump-era policy in 2023, but that effort stalled before Biden left office. The Little Sisters of the Poor, a Catholic group involved in defending the rules, plans to appeal the new decision. The Department of Justice has not yet commented on the ruling.US judge blocks Trump religious exemption to birth control coverage | ReutersPresident Trump revoked a 2021 executive order issued by then-President Joe Biden that aimed to promote competition across the U.S. economy. Biden's order targeted anti-competitive practices in sectors such as agriculture, healthcare, and labor, and was a key element of his economic agenda. It included efforts to reduce consumer costs by curbing monopolistic behavior and increasing oversight of mergers.Trump's administration criticized the Biden-era approach as overly restrictive and burdensome. The Justice Department, under Trump, endorsed the revocation, stating it would pursue an “America First Antitrust” strategy focused on market freedom and less regulatory interference. Officials also announced plans to streamline the Hart-Scott-Rodino merger review process and reinstate targeted consent decrees to address specific anti-competitive behavior.Critics argue the revocation will weaken protections for consumers and small businesses. A June 2025 report by advocacy groups estimated that dismantling consumer protection policies, including those from the Consumer Financial Protection Bureau, has cost Americans at least $18 billion through higher fees and lost compensation. Trump has also taken steps to drastically reduce the CFPB's workforce.Former Biden competition policy director Hannah Garden-Monheit condemned the move, claiming it contradicts Trump's promise to support everyday Americans and instead benefits large corporations.Trump revokes Biden-era order on competition, White House says | ReutersA federal judge in Texas dismissed a lawsuit filed by video-sharing platform Rumble, which had accused major advertisers—Diageo, WPP, and the World Federation of Advertisers—of conspiring to boycott the platform by withholding ad spending. U.S. District Judge Jane Boyle ruled that the Northern District of Texas was not the appropriate venue for the case, as the defendants are based in the UK and Belgium. Her decision did not address the substance of Rumble's antitrust claims.Rumble's lawsuit alleged that the advertisers participated in a “brand-safety” initiative through the Global Alliance for Responsible Media, which it claims was used to pressure platforms like Rumble—known for minimal content moderation—into compliance or risk being excluded from ad budgets. The defendants countered that business decisions not to advertise on Rumble were based on brand protection and had nothing to do with collusion or a boycott.Judge Boyle noted it remains an "open question" whether the Texas court is the right venue for a similar lawsuit brought by Elon Musk's social media platform X, which is also pending. The advertisers argued Rumble's legal action was a misuse of antitrust laws intended to force companies to do business with it.US judge tosses Rumble lawsuit claiming advertising boycott | ReutersA federal appeals court ruled in favor of President Donald Trump, allowing him to halt billions in foreign aid payments that had been previously approved by Congress. In a 2-1 decision, the D.C. Circuit Court of Appeals lifted an injunction issued by a lower court that had ordered the administration to resume nearly $2 billion in aid. The aid freeze was initiated on January 20, 2025—Trump's first day of his second term—through an executive order and followed by significant staffing and structural changes to USAID, the government's main foreign aid agency.The lawsuit challenging the freeze was brought by two nonprofit organizations that depend on federal funding: the AIDS Vaccine Advocacy Coalition and Journalism Development Network. The appeals court, however, ruled that the groups lacked legal standing to challenge the freeze and that only the Government Accountability Office, a congressional watchdog, had authority to do so.Judge Karen Henderson, writing for the majority, explicitly stated the court was not deciding whether Trump's actions violated the Constitution's separation of powers or Congress's control over federal spending. In a sharp dissent, Judge Florence Pan argued the decision undermined the Constitution's checks and balances and enabled unlawful executive overreach.A White House spokesperson praised the ruling, framing it as a victory against "radical left" interference and a step toward aligning foreign aid spending with Trump's "America First" agenda.US appeals court lets Trump cut billions in foreign aid | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Plan Dulce host Vidal F. Márquez (He/Him) speaks with Norena Limón (She/Her) from the Casita Coalition to discuss the California housing supply crisis and her journey raised in the Inland Empire, working at the Obama White House, going to Harvard and becoming a CEO in policy advocacy in California. Bio and Links:Noerena Limón brings over 16 years of experience working at the nexus of government, public policy, and the private sector. She is currently the CEO of the Casita Coalition, where she leads efforts to address California's housing crisis through policy advocacy and community engagement. Previously, she founded Mariposa Strategies LLC, a consulting firm providing strategic guidance to nonprofits, government entities, and private organizations on housing. In 2023, Limón was appointed by Governor Gavin Newsom to the Board of the California Housing Finance Agency. Since 2021, she has also served as a Housing Fellow at UC Berkeley Terner Center for Housing Innovation, where she collaborates on research addressing California's housing supply crisis.Noerena has spent most of her career doing federal policy work with experience at the National Association of Hispanic Real Estate Professionals, the Consumer Financial Protection Bureau, the Obama White House and U.S. Congress. Noerena received her B.A. from UC Berkeley and her Masters in Public Policy from the Harvard Kennedy School of Government.Learn more:https://casitacoalition.squarespace.com/https://casitacoalition.squarespace.com/build-the-middle-national-housing-convening-2025 --------------------------------------Plan Dulce is a podcast by members of the ⁠⁠Latinos and Planning Division⁠ of the American Planning Association⁠. The information, opinions, and recommendations presented in this Podcast are for general information only. Want to recommend our next great guests and stay updated on the latest episodes? We want to hear from you! Follow, rate, and subscribe! Your support and feedback helps us continue to amplify insightful and inspiring stories from our wonderfully culturally and professionally diverse community.This episode was conceived, written, edited and produced by Vidal F. Márquez (He/Him). Connect:Instagram:https://www.instagram.com/plandulcepodcast/ Facebook:⁠https://www.facebook.com/LatinosandPlanning/⁠Youtube:Subscribe to Plan Dulce on Youtube LinkedIn:⁠https://www.linkedin.com/groups/4294535/⁠X/ Twitter:⁠https://twitter.com/latinosplanapa?lang=en⁠

In this episode of The Consumer Finance Podcast, Chris Willis is joined by veteran litigators Jason Manning and Carter Nichols to explore litigation implications following the CFPB's withdrawal of nearly 70 pieces of informal guidance earlier this year. The discussion examines how this significant shift impacts private litigation, particularly in cases where courts previously relied on these guidance documents, opening new avenues for legal arguments and challenges in a landscape where statutory interpretation and legal strategy become paramount with opportunities to redefine precedents and discover uncharted legal territories. The episode underscores the evolving nature of consumer finance litigation and the strategic considerations that come with these regulatory changes.

Welcome back to Fintech Takes.  I'm Alex Johnson, and today we're trying something different: a little audiobook experiment.  I'm turning my recent deep dive, “Why Is This Happening? An Exhaustive Review of the History and Nascent Culture of the CFPB,” into a podcast episode for your listening pleasure(s) anytime, anywhere. It's a sweeping, inside-the-agency history of the Consumer Financial Protection Bureau (told through interviews with more than two dozen former staffers) and an investigation into why, 14 years after its founding, the CFPB is being hollowed out in full public view. Along the way: cockroach-infested offices, chainsaw-wielding regulators, and a Mark Andreessen quote I never thought I'd have to say out loud.  If you haven't read it, or haven't revisited it since it ran in June, you'll hear the whole essay, start to finish.  And because the Bureau has been unusually busy these last two months, I've added fresh updates on what the CFPB's been up to (surprise flip-flop on open banking and intervention in the Synapse fiasco), and what those actions tell us about the future of the Bureau. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson

Section 1033 of the Dodd Frank Act was finalized at the end of the Biden administration and would require banks to give consumers free access and control of their personal banking data.The rule had met legal pushback from the bank industry and the CFPB under the Trump administration planned to scrap it. But last week, the bureau said it will instead rewrite Section 1033.Marketplace's Meghan McCarty Carino discusses the news with Rohit Chopra, who served as the director of the Consumer Financial Protection Bureau when the rule was finalized in 2024.

Section 1033 of the Dodd Frank Act was finalized at the end of the Biden administration and would require banks to give consumers free access and control of their personal banking data.The rule had met legal pushback from the bank industry and the CFPB under the Trump administration planned to scrap it. But last week, the bureau said it will instead rewrite Section 1033.Marketplace's Meghan McCarty Carino discusses the news with Rohit Chopra, who served as the director of the Consumer Financial Protection Bureau when the rule was finalized in 2024.

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.

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

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

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.

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.

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.

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

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

  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 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