Podcasts about ecoa

Os repórteres Pedro Soares e Victoria Lapenda trazem as notícias desta semana. Entre as novidades estão a entrevista com o novo Presidente da Mantenedora da PUC-Rio, Padre Carlos Fritzen, a aula aberta do departamento de Comunicação Social com a Rede Globo para o lançamento da academia LED e palestra sobre recomeços e aprendizados na carreira do "ECOA na Casa".

The ratification of the Equal Credit Opportunity Act, or ECOA, 50 years ago marked the end of illegal lending practices that discriminated against borrowers based on their race, sex, age, religion, national origin, marital status, and source of income. Financial inequality, however, is still a persistent issue in the United States. One solution to this ongoing issue is closing the education gap when it comes to topics surrounding financial literacy. In this special episode, we sit down with Courtney Pettway, CEO and Co-Founder of KidVestors, and Ashley Leftwich, CEO of Rock the Street, Wall Street. These organizations are two of the 50 projects supporting women's financial independence that were awarded funds as part of the SoFi Give Her Credit Program. Both organizations seek to empower young people by teaching them the fundamentals of saving and budgeting, the benefits of growing their wealth through investing, and exposing them to female role models in math and finance. Kidvestors is an award-winning educational platform that teaches kids about money and finance tops in fun, accessible ways. Rock the Street, Wall Street is a non-profit organization that teaches the fundamentals of investing and finance to high school girls and undergraduate women. For more, read Liz's column every Thursday at On The Money by SoFi, sign up for the On The Money newsletter, and follow Liz @LizThomasStrat. Notable mentions in the episode: 00:00 Introduction 02:11 The idea behind KidVestors 03:48 KidVestors target age groups 06:03 Making learning finance fun 07:24 Drawbacks to not teaching kids about money 13:31 The mission of Rock the Street, Wall Street 16:04 When intervention is critical for girls 19:17 Importance of female role models in STEM and finance 22:12 Value of early financial literacy education 31:49 The confidence gap between men and women 34:45 How corporations benefit from employee financial wellness 44:00 The importance of DEI for closing the wealth gap 47:40 What should change about how we teach financial literacy today 54:17 Closing Thoughts Additional resources: On The Money: Sign up for SoFi's newsletter for intel, insights, and inspo to help you get your money right. Investing 101 Center: At SoFi, we believe investing is for everyone — which is why we've created a hub with info for beginners and experts alike. Start exploring to get investment education, advice, resources, and more. Wealth Investing Guide: Information you need to know to make your money work harder for you. This podcast should be used for informational purposes only and not deemed as a recommendation. Our Automated investing is via SoFi Wealth LLC, and is a registered investment advisor. Our Active investing is via SoFi securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest® platforms, please visit www. SoFi.com/Legal. ©2024 Social Finance, Inc. All Rights Reserved.

O começo de conversa é um programa que antecede o "Uma Conversa" da semana, sempre com algum artigo que vai ajudar a compreender o tema a ser abordado. Nessa semana lemos um trecho do artigo de RIBEIRO, O.X. - Ecoa a voz de Deus na voz dos pobres. da Revista de Interpretação Bíblica LatinoAmericana n.65 de janeiro de 2010. | Site: https://umaconversa.com.br/ | Apadrinhe: https://apoia.se/patraodoumaconversa | Redes Sociais: @1Conversa | E-Mail: conversaconosco@gmail.com

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.# With Flying Colors Podcast: Equal Credit Opportunity Act (ECOA) Part Two## Episode SummaryIn this episode, Mark Treichel continues his discussion with Joe Goldberg, diving deeper into the Equal Credit Opportunity Act (ECOA) and Regulation B. They focus on the second primary purpose of ECOA: encouraging the informed use of credit through adverse action notices.## Key Points1. Adverse Action Notices   - Purpose: Inform applicants of reasons for credit denial or less favorable terms   - Must provide specific reasons in detail   - Optimal to provide 3-4 main reasons for adverse action2. Special Purpose Credit Programs   - Allow creditors to meet credit needs of specified classes of persons   - Different rules for for-profit and non-profit organizations3. Department of Justice Referrals   - Required when there's reason to believe an institution has engaged in a pattern of illegal discrimination   - DOJ guidance available for identifying practices that may lead to referrals4. New ECOA Section (Effective August 29, 2023)   - Requires collection and reporting of small business lending data to CFPB   - Applies to creditors with at least 100 originations to small businesses for each of the prior 2 years5. Enforcement and Legal Actions   - NCUA enforces for federal credit unions   - Private actions allowed, including class actions6. Compliance Best Practices   - Familiarize with ECOA and Regulation B   - Implement sufficient compliance management system   - Provide regular training for staff involved in lending   - Oversee third-party vendors   - Conduct self-testing and audits## Resources Mentioned- NCUA Fair Lending Guide- NCUA Regulatory Alerts and Letters to Credit Unions- Federal Consumer Financial Protection Guide on NCUA website- CFPB website (consumerfinance.gov) - Fair Lending section## Guest InformationJoe Goldberg: Attorney with 40 years of experience, former NCUA staff member, and consumer compliance expert.## Hosted ByMark Treichel

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.## Episode SummaryIn this episode of With Flying Colors, host Mark Treichel welcomes back Joe Goldberg, a veteran attorney with 40 years of experience and former NCUA official. They dive deep into the Equal Credit Opportunity Act (ECOA) and its significance in fair lending practices for credit unions.## Key Points Discussed- The purpose and significance of ECOA and Regulation B- NCUA's increased focus on fair lending examinations- Coverage of ECOA across various forms of credit- The nine prohibited bases for discrimination in lending- Specific examples of potential ECOA violations in credit union practices## Highlighted Quotes- "ECOA requires creditors to make decisions related to providing credit and the terms of credit based solely on credit related factors." - Joe Goldberg- "NCUA has increased its focus on fair lending in the last several years. They even started when I was there. I left there at the end of 2021, but that's still true. And, in fact, the agency is expanding its fair lending examination program." - Joe Goldberg## Important Takeaways for Credit Unions1. Review policies and procedures for potential age or marital status discrimination2. Be aware of the expanding fair lending examination program at NCUA3. Understand the nuances of the nine prohibited bases for discrimination4. Consider the risks associated with Department of Justice referrals for ECOA violations## Next EpisodeTune in for Part 2 of this discussion, where Mark and Joe will continue their exploration of ECOA, including special purpose credit programs and the referral process to the Department of Justice.## About the GuestJoe Goldberg is a former NCUA official who led the division responsible for HMDA, fair lending, and consumer compliance. With 40 years of experience as an attorney, he now works as a consultant in the credit union industry.## Resources Mentioned- NCUA Letter to Credit Unions: 22-CU-04 (February 2022)- Equal Credit Opportunity Act (ECOA)- Regulation B## Get in TouchFor more information on achieving success with NCUA, visit [marktreichel.com](https://marktreichel.com).

In this episode of SCRS Talks, we welcome Rob Hummel, COO and co-founder of Suvoda, to discuss Suvoda's new role as an SCRS Global Impact Partner. Rob shares insights into Suvoda's mission to simplify clinical trials for sites and patients through cutting-edge technology. He highlights how Suvoda's integrated platform — featuring core products like eConsent, IRT, eCOA, and ePatient — helps drive greater efficiencies at sites. Rob also offers a look into how artificial intelligence is shaping the future by reducing administrative burdens and allowing sites to focus more on patient care.

Our podcast listeners are very familiar with federal fair lending and anti-discrimination laws that apply in the consumer lending area: the Equal Credit Opportunity Act (ECOA) and Fair Housing Act (FHA). Those statutes prohibit discriminating against certain protected classes of consumer credit applicants. For example, the ECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); the applicant's use of a public assistance program to receive all or part of their income; or the applicant's previous good-faith exercise of any right under the Consumer Credit Protection Act. The FHA prohibits discrimination concerning the sale, rental, or financing of housing based on race, religion, national origin, sex, disability, pregnancy or having children. The FTC sometimes relies on the “unfairness” prong of its UDAP (Unfair or Deceptive Acts and Practices) authority to bring other types of discrimination claims against companies subject to the FTC's jurisdiction. The CFPB has tried to use the unfairness prong of its UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) authority in a similar manner with respect to companies and banks subject to its jurisdiction. A Federal District Court has invalidated the portion of the CFPB's UDAAP Exam Manual provision upon which such authority was previously predicated and the case is now being considered by the Fifth Circuit. Our focus during this podcast show is not on these Federal anti-discrimination statutes, but rather on the fact that an increasing number of states have either enacted or are considering enacting legislation requiring financial institutions to provide persons (both existing customers and prospective customers) who are not ordinarily protected by the federal anti-discrimination statutes with fair access to financial services. The first broad fair access requirements appeared in a Florida statute enacted in 2023, which generally prohibits financial institutions from denying or canceling services to a person or otherwise discriminating against a person in making available services on the basis of enumerated factors, commonly including factors such as political opinions, or any other factor that is not quantitative, impartial, and risk-based. Because this topic is very controversial, I invited individuals who support and oppose these new types of state statutes: Brian Knight, Senior Research Fellow at Mercatus Center of George Mason University, Professor Peter Conti-Brown of the Wharton School of the University of Pennsylvania, and Peter Hardy who co-leads our Anti-Money Laundering (AML) team at Ballard Spahr. (Brain was previously a guest on our May 23, 2024 podcast which focused on the related topic of Operation Chokepoint.) Brian is generally supportive of these state fair access laws. Professor Conti-Brown and Peter Hardy generally oppose these types of laws. We cover the following sub-topics, among others: 1.              Why were these laws enacted? 2.              What financial institutions are subject to these laws? Do they cover only depository institutions or do they also cover non-banks? Do they cover only consumer transactions or do they cover business transactions as well? Do they cover out-of-state financial institutions doing business with residents of the states that have enacted these statutes? Are there exemptions based on small size? 3.              Since banks are not public utilities, and have shareholders and employees to whom they owe duties, why should they be forced to do business with people or companies who generate fossil fuel or who manufacture or sell firearms, to take just two examples of industries protected by these statutes? 4.              What are the private and public remedies for violating these statutes? 5.              Does the National Bank Act, the Home Owners' Loan Act and the Federal Credit Union Act preempt these state laws? 6.              Do these laws run afoul of AML laws as the Treasury suggests? Brian believes that these state statutes don't force any financial institution to do business with a particular person or company. The statutes simply say that you must give a good reason for a declination. A good reason would be one based on risk to the institution such as a lack of experience in evaluating the company's business. Another good reason would be that the company is engaged in an unlawful business. A bad reason for a declination would be that the bank doesn't like the political or cultural positions of the company. Peter Conti-Brown believes that banks should be able to decide with whom they desire to do business as long as they don't violate existing federal laws that prohibit discrimination, like ECOA and the FHA. Peter expresses skepticism that there was or is a need for these statutes. The “bottom line” is that the state statutes are bad public policy. Peter also believes that these state statutes are preempted by the National Bank Act. Peter Hardy believes that these state statutes throw a monkey wrench into banks' efforts to comply with AML requirements and the Bank Secrecy Act. He explains how these statutes could help bad actors evade the BSA. We have previously blogged about these statutes. Alan Kaplinsky, Senior Counsel and former chair for 25 years of the Consumer Financial Services Group, hosts the discussion.

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.Fair Lending Basics with Joe GoldbergIn this episode, Mark Treichel interviews Joe Goldberg, a former NCUA official, about the basics of fair lending for credit unions. Key topics covered include:- Definition and importance of fair lending- Major fair lending laws: Equal Credit Opportunity Act (ECOA), Fair Housing Act, Home Mortgage Disclosure Act (HMDA)- Types of discrimination: disparate treatment vs. disparate impact - NCUA's fair lending examination program- Tips for credit unions to protect themselves and ensure compliance:  - Know the laws and regulations  - Implement a robust compliance management system   - Provide adequate training  - Maintain oversight of lending practices and third parties- Resources for credit unions to learn more about fair lending requirementsKey quotes:"Fair lending is usually looked at by what is prohibited rather than what is required." - Joe Goldberg"Intent is not an element of violating ECOA." - Joe Goldberg"Credit unions try to get it right, but they don't always do that. The more they can educate themselves, the better off they will be and the better off their members will be." - Joe GoldbergResources mentioned:- NCUA Fair Lending Guide- NCUA Federal Consumer Financial Protection Guide- FFIEC website (ffiec.gov)- CFPB website - NCUA regulatory alerts and letters to credit unions

3 words... Kaylee. Is. Back. We re-cap our best/worst dogs, take a deep dive into the insane amount of cash flowing through Halloween 2024, and the trendy costumes that come with it! We round out the episode by discussing the 50th Anniversary of the Equal Credit Opportunity Act!

In the Lord of the Rings trilogy, Frodo becomes invisible when he puts the Ring on his finger. Well, at banks in the 1970s, this is basically what happened when a woman put a wedding ring on her finger. Her credit cards would no longer work, and the banks wouldn't count her income as part of the household income. This led to a fight for women's financial independence that gave rise to the landmark Equal Credit Opportunity Act (or ECOA) and the creation of the first women's banks. In honor of the 50th anniversary of ECOA becoming law, we're looking back at a time when women had to have their husband or father cosign on a credit application. What did it take to pass this landmark legislation? And how did it improve women's lives in America?  Guests: Rachel Seidman, curator at the Smithsonian Anacostia Community Museum; curatorial consultant to the Smithsonian American Women's History Museum Emily Card, PhD, author of Staying Solvent: A Comprehensive Guide to Equal Credit for WomenElizabeth Babcock, director of the Smithsonian American Women's History MuseumJeanne Hubbard, former CEO of The Adams National Bank

Os ecos da sabedoria já se confirmaram em nossa presença. The Legend of Zelda: Echoes of Wisdom, o tão aguardado título da franquia com a princesa Zelda como protagonista, já foi lançado e agora trazemos nossas primeiras impressões sobre o jogo. Junte-se a Vitor, Guilherme e Rafael neste debate cheio de sabedoria! Edição por Alecsander Oliveira. Este episódio usou áudios de: Link's Adventures Begins | The Legend of Zelda: Echoes of Wisdom File Select | The Legend of Zelda: Link's Awakening Title | The Legend of Zelda: Echoes of Wisdom Tri's Theme | The Legend of Zelda: Echoes of Wisdom Hyrule Castle Town | The Legend of Zelda: Echoes of Wisdom Hyrule Castle | The Legend of Zelda: Echoes of Wisdom Hyrule Field 1 | The Legend of Zelda: Echoes of Wisdom Kakariko Village | The Legend of Zelda: Echoes of Wisdom Hyrule Ranch | The Legend of Zelda: Echoes of Wisdom Ganon's Theme | The Legend of Zelda: Echoes of Wisdom Goron City | The Legend of Zelda: Echoes of Wisdom Castle Sneak | The Legend of Zelda: Echoes of Wisdom Opening Dungeon | The Legend of Zelda: Echoes of Wisdom Lueberry's House | The Legend of Zelda: Echoes of Wisdom Field 2 | The Legend of Zelda: Echoes of Wisdom Gerudo Sanctum | The Legend of Zelda: Echoes of Wisdom Battle | The Legend of Zelda: Echoes of Wisdom Gerudo Sanctum Boss | The Legend of Zelda: Echoes of Wisdom The Still World | The Legend of Zelda: Echoes of Wisdom Jabul Waters | The Legend of Zelda: Echoes of Wisdom Jabul Ruins | The Legend of Zelda: Echoes of Wisdom Jabul Ruins Boss | The Legend of Zelda: Echoes of Wisdom River Zora Village | The Legend of Zelda: Echoes of Wisdom Sea Zora Village | The Legend of Zelda: Echoes of Wisdom Hyrule Castle (Still World) | The Legend of Zelda: Echoes of Wisdom Hyrule Castle (Still World) Boss | The Legend of Zelda: Echoes of Wisdom Faron Wetlands | The Legend of Zelda: Echoes of Wisdom Faron Temple | The Legend of Zelda: Echoes of Wisdom Conde's House | The Legend of Zelda: Echoes of Wisdom Lanayru Temple | The Legend of Zelda: Echoes of Wisdom

Happy Spooky Wednesday, Folks! Kala's got two locations for you this week, which are often discussed at the same time. The Tennessee State Prison and the Brushy Mountain State Penitentiary are located about an hour and a half away from each other, and both are plagued by paranormal activity brought on by years of overcrowding, violence, and general ill-treatment. While the TSP was basically demolished by a tornado in 2020, Brushy is still available for tours. Will you encounter the ghost who is still having nicotine cravings, or try to escape the heat with the cold spots in the chapel? And Brittany tells us about the badass, Giulia Tofana. This woman continued the work of her mother Thofania d'Adamo, who created the elixir known as Aqua Tofana. Through the 17th-century whisper network, this poison saved women from abusive arranged marriages for decades. While we would never condone this activity today, the women of this era didn't seem to have any other choice. And it would seem that Giulia Tofana was a hero to more people than we can count. If you or someone you know is in an abusive relationship, please don't hesitate to call the National Domestic Violence Hotline. They have folks who can talk to you 24/7 in English, Spanish, and 200+ additional languages through interpretation services Call 800-799-7233 or text 88788 Or visit their website at www.thehotline.org Editor's Note: Women were allowed to apply for credit cards independently in 1974, after the passage of the Equal Credit Opportunity Act (ECOA). Before the ECOA, banks could refuse to issue credit cards to women or require their husbands to co-sign for them.

Israel bombardeou no sábado, 10 de agosto, um centro de comando do Hamas embutido no complexo escolar de Al-Taba'een, no centro de Gaza.O grupo terrorista plantou imediatamente na imprensa a narrativa de que 100 palestinos foram mortos. As Forças de Defesa de Israel afirmaram inicialmente que 19 terroristas foram eliminados no ataque e depois acrescentaram mais 12 à lista, atualizando o número para 31.Os porta-vozes das FDI criticaram a imprensa por acreditar nas narrativas do Hamas.Você também pode assistir ao Papo Antagonista na BM&C, nos  canais de TV 579 da Vivo, ou 563 da Claro, além do SKY+.  Que tal presentear seu pai com a assinatura de O Antagonista+Crusoé?  10% desc. no combo anual.   https://bit.ly/papoantagonista  Acompanhe O Antagonista no canal do WhatsApp.  Boletins diários, conteúdos exclusivos em vídeo e muito mais.   https://whatsapp.com/channel/0029Va2S...   Ouça O Antagonista | Crusoé quando quiser nos principais aplicativos de podcast.  Leia mais em www.oantagonista.com.br | www.crusoe.com.br 

No Fórum Onze e Meia de hoje: Senador e ex-juiz da Lava Jato, Sergio Moro (União-PR) é recebido com vaias e gritos de "Ih, fora" em visita à Foz do Iguaçu, no Paraná. Pegando carona nas declarações de André Valadão, líder da Igreja Batista da Lagoinha, que iniciou uma série de ataques às universidades para tentar impedir que evangélicos enviem os filhos ao ensino superior, Jair Bolsonaro (PL) criticou na rede X as "instituições de ensino" alinhadas ao "sistema com Lula". E ainda: STF retoma julgamento sobre descriminalização de maconha para uso pessoal Participam do programa o deputado federal Rui Falcão e os jornalistas Glauco Faria e Henrique Rodrigues. Apresentação de Dri Delorenzo e comentários de Renato Rovai.Become a supporter of this podcast: https://www.spreaker.com/podcast/forum-onze-e-meia--5958149/support.

O Folha Turismo desta sexta-feira vai até Brotas, no interior de São Paulo. O jornalista Fabiano Antunes, editor do site Rota1976.com, foi até lá e conta tudo pra gente! Entre as atividades principais estão o Rafiting, Tirolesa e Rapel oferecidos pela agência EcoAção. A cidade conta com diversos hotéis fazenda, um dos mais conhecidos é o Areia que Canta que tem ótima infraestrutura e a dica de Gastronomia é o restaurante Malagueta que tem coxinha de abóbora com carne seca desfiada que é uma delícia!

In this podcast, Dean and Len discuss the September guidance from the CFPB concerning the Equal Credit Opportunity Act (ECOA), credit denials, and Artificial Intelligence (AI). The guidance emphasizes that lenders using AI for credit decisions must provide specific and accurate reasons for adverse actions. This includes updates to sample adverse action forms and checklists to reflect actual reasons for credit denials or changes in conditions. The discussion also touches on potential updates to Home Mortgage Disclosure Act (HMDA) data collection to align with these expanded reasons for adverse action. Dean advises lenders to update ECOA assessments, review policies, procedures, forms, and ensure compliance and substantiation in credit decisions, especially in the context of AI and complex algorithms.   Brought to you by GeoDataVision and M&M Consulting

Ecoa o clamor da resistência A negra voz que ilumina a consciência Tingindo de preto os palcos de marfim O sonho de palmares renasce em mim Pelo povo e meus irmãos Minha luta não foi em vão A luz de aruanda na ribalta Liberta as amarras da realidade Arranca a mordaça e diz a verdade Samba Enredo 2020 - A Ópera Negra de Abdias Nascimento. G.R.E.S Mocidade Unida da Mooca

Lula ecoou o grupo terrorista Hamas nesta segunda-feira, 13, ao dizer que as Forças de Defesa de Israel (IDF) “estão matando inocentes sem nenhum critério”. O presidente brasileiro comentou o assunto durante cerimônia de sanção do projeto de lei que atualiza a Lei de Cotas. “A solução do Estado de Israel é tão grave quanto foi a do Hamas, porque eles estão matando inocentes sem nenhum critério. Joga bomba onde tem criança, onde tem hospital, a pretexto de que é um terrorista está lá, não tem explicação”, comentou. Mas a explicação existe.   As FDI anunciaram hoje a eliminação de 21 terroristas do Hamas no entorno do Hospital Al-Quds, na Cidade de Gaza. Ontem, a União Europeia condenou o Hamas por utilizar “hospitais e civis como escudos humanos” em Gaza.   Para falar em mortes de crianças, Lula vem se baseando em números plantados na imprensa e na ONU pelo “Ministério da Saúde de Gaza”, que é o Hamas. Para falar em bombardeio a hospital, Lula se baseia em narrativas do Hamas também plantadas na imprensa, parte da qual já até se retratou por isso.   Este é o mesmo Lula que, quando confrontado sobre abusos concretos e verificados das ditaduras amigas, alega respeito à “autodeterminação dos povos” para ficar caladinho. Brasileiros de Gaza Lula também insinuou que faltou “boa vontade” de Israel para liberar os brasileiros que estavam tentando sair de Gaza desde o início da reação israelense aos ataques do Hamas. “Nós estamos trazendo o que foi possível liberar, com muito sacrifício, porque dependia da boa vontade de Israel, dependia de uma quantidade de pessoas que a gente não sabia”, disse. Não há qualquer evidência disso. O Egito fechou a fronteira por determinado período, porque descobriu que terroristas do Hamas tentaram entrar no país fazendo-se passar por civis feridos em ambulâncias. Segundo a Embaixada de Israel no Brasil, quem impediu a saída dos brasileiros na semana passada foi o Hamas. O Antagonista está no top 3 do prêmio IBest na categoria Canal de Política.  Contamos com o seu voto e sua ajuda na divulgação.  https://app.premioibest.com/votacao/canal-de-politica Acompanhe O Antagonista no canal do WhatsApp.  Boletins diários, conteúdos exclusivos em vídeo... e muito mais.  Link do canal:  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344 Assine o combo O Antagonista + Crusoé:  https://assine.oantagonista.com/ Siga O Antagonista nas redes sociais e cadastre-se para receber nossa newsletter:  https://bit.ly/newsletter-oa Leia mais em www.oantagonista.com.br  |  www.crusoe.com.br

Episode 095.5 – Real Estate Exam Cram Going through state exam questions to help real estate students pass their state exam.  01:00 – Another surprise episode!! Exam cram. 01:30 – More than 250,000 downloads overall, 27,000 downloads per month. Top 5% of all podcasts. 02:40 – Update on my law school mid-terms. Walking the walk 05:20 – List of recent grads: John, Taylor, Sherry, Trudy, Jennifer, Bai, Khan, Madi, Jenn, Megan, Mags, Michelle, Steven, Chris, John, Shauna, Cindy, Dena, Deb, Baxter, Frank, Kim, John, Katlynn, Leo, Eleyna, Melissa, Kevin, John, Felicia, Stephanie, Gerald, Sarah, Linden, Angela, Kendall, Kayla, Maggie, Christina, and Maverick. 07:50 – Messages from Sherry (Mississippi), Jennifer (Alabama), and Taylor. 11:25 – Feedback response: make an episode about cramming for the exam. Look for our videos about topics at www.ahareep.com. 14:45 – Real estate exam topics: Property rights, DEEP C, fee simple absolute and defeasible, life estate, real property and personal property, legal tests of a fixture, encumbrance, lien, special assessment, easements, public and private land use control, ownership types (severalty, tenant in common, joint tenancy with right of survivorship, and tenancy by the entirety), transfers of title, deed types (general warranty, special warranty, and quit claim), actual and constructive notice, relationship of broker and agent, calculate real estate commissions, anti-trust (price fixing, group boycott, and allocation of customers or markets), listing agreement types (exclusive right to sell, exclusive agency, and open listing), net to seller, express and implied contracts, bilateral and unilateral contracts, valid, void, and voidable, statute of limitations, enforceable, agency, client and customer, fiduciary responsibilities, compensation, legal descriptions, lease types (estate for years, periodic tenancy, estate at will, and holdover tenancy (estate at sufferance)), gross, net, percentage and variable leases, proration, RESPA, kickbacks and referrals, Fair Housing, protected classes, ECOA, blockbusting, steering, advertising and redlining, mortgage types (conventional, FHA, VA, blanket, package and wraparound loans, balloon, and reverse), mortgage factor chart, Truth in Lending, 3 day right of recission, value (DUST and STUD), sales comparison, cost approach and income approach appraisal, environmental (brownfields, CERCLA and SARA, and environmental inspections.) 1:13:15 – Look for videos and past episodes for more information. Make an outline and create a study guide. 1:14:45 – November's episode will be about listings and listing contracts. Go to www.indianarealestateinstitute.com for real estate classes. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 or legendary15 to save 15% off.  A-Ha LINKS  Email info@ahareep.com  Web www.ahareep.com  Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

In March 2022, the Consumer Financial Protection Bureau announced that it had revised its examination manual to instruct its examiners to apply the “unfairness” standard under the Consumer Financial Protection Act to conduct considered to be discriminatory, whether or not it is covered by the Equal Credit Opportunity Act. We first review the changes that the CFPB made to the manual, its rationale for the changes, and how those changes would allow the CFPB to target discrimination more broadly than the circumstances covered by the ECOA. We also review the industry lawsuit challenging the changes, including the reasons asserted for invalidating the changes and the relief sought. We then look at the court decision vacating the changes, including the court's application of the “major questions” doctrine and the relief granted. We conclude with a discussion of the CFPB's possible next steps and the decision's implications for pending CFPB rulemakings and other CFPB actions. Alan Kaplinsky, Senior Counsel in Ballard Spahr's Consumer Financial Services Group, leads the conversation, joined by Richard Andreano, a partner in the Group and Practice Leader of the firm's Mortgage Banking Group.

Meet one of SCRS' newest Global Impact Partners, YPrime. YPrime is an eClinical systems provider offering cloud-based systems such as interactive response technology (IRT), electronic clinical outcome assessment (eCOA) and eConsent. Mike Hughes, Chief Product Officer at YPrime, shares why they became a GIP, as well as what's next for the organization and their collaboration with sites.

Alicia Staley is the VP of Patient Engagement at Medidata and working to bring more technology and software solutions to clinical research. With a focus on creating patient-centric clinical trials, Alicia emphasizes the value of digital tools to drive diversity of participation and retention. As a cancer survivor and patient advocate, Alicia has deep insights into how clinical trials are run and who participates.  Alicia explains, "I think the entire industry is still responding to what life looks like post-COVID. However, in particular, in clinical research, this gravitation toward more digital tools to support clinical research is still very much at the forefront. Topics like decentralized clinical trials and patient portals, patient registries, and ways to support the patient through the clinical journey using digital tools, sensors, and wearables are very much at the forefront of the conversations we're having today. Clearly there is an interest in going in that direction. And I think we learned during the pandemic that these tools are great resources for expanding the potential participation in clinical research to essentially a broader audience of participants." "It took the pandemic for the industry to realize that these tools are valuable resources. I think there had been historically quite a bit of hesitancy to embrace technical solutions like eConsent, eCOA, ePRO, or any of the eSource tools. And I think the pandemic made us realize that these tools are here, they're here to stay, and they work very, very well. But our hand was never forced in the way it was during the pandemic." #Medidata #DecentralizedTrials #Diversity #ClinicalTrials #LifeSciences #PatientExperience Medidata.com Download the transcript here

Alicia Staley is the VP of Patient Engagement at Medidata and working to bring more technology and software solutions to clinical research. With a focus on creating patient-centric clinical trials, Alicia emphasizes the value of digital tools to drive diversity of participation and retention. As a cancer survivor and patient advocate, Alicia has deep insights into how clinical trials are run and who participates.  Alicia explains, "I think the entire industry is still responding to what life looks like post-COVID. However, in particular, in clinical research, this gravitation toward more digital tools to support clinical research is still very much at the forefront. Topics like decentralized clinical trials and patient portals, patient registries, and ways to support the patient through the clinical journey using digital tools, sensors, and wearables are very much at the forefront of the conversations we're having today. Clearly there is an interest in going in that direction. And I think we learned during the pandemic that these tools are great resources for expanding the potential participation in clinical research to essentially a broader audience of participants." "It took the pandemic for the industry to realize that these tools are valuable resources. I think there had been historically quite a bit of hesitancy to embrace technical solutions like eConsent, eCOA, ePRO, or any of the eSource tools. And I think the pandemic made us realize that these tools are here, they're here to stay, and they work very, very well. But our hand was never forced in the way it was during the pandemic." #Medidata #DecentralizedTrials #Diversity #ClinicalTrials #LifeSciences #PatientExperience Medidata.com Listen to the podcast here

Part 2 of my interview with Expert Joe Goldberg on ECOA.Part one is episode #116.

Chris Wright, is a multifaceted individual with a passion for effective communication and public relations. Fueling his commitment to lifelong learning, he is currently expanding his knowledge and skills in business leadership at Governors State University. With a career spanning 13 years in product, Chris has notably spent around 4 years at IQVIA, contributing through data analytics and research. His expertise in recruitment, eConsent, eCOA, and decentralized clinical trials flourished during their last ~2 years at Science 37, where they focused on various essential aspects of clinical trials. Beyond their professional interests, Chris is a dedicated father to three wonderful children. In his free time, Chris enthusiastically assists his wife in owning and managing the area's best dance studio, watching Movies and TV shows and playing video games professionally.

I interview Joe Goldberg, formerly of NCUA, and an expert on ECOA.ECOA Requires creditors to make decisions related to providing credit and credit terms solely on credit-related factors. Equal Credit Opportunity Act (1974) – "The Congress finds that there is a need to insure that the various financial institutions and other firms engaged in the extensions of credit exercise their responsibility to make credit available with fairness, impartiality, and without discrimination on the basis of sex or marital status. Economic stabilization would be enhanced and competition among the various financial institutions and other firms engaged in the extension of credit would be strengthened by an absence of discrimination on the basis of sex or marital status, as well as by the informed use of credit which Congress has heretofore sought to promote. It is the purpose of this Act… to require that financial institutions and other firms engaged in the extension of credit make that credit equally available to all credit-worthy customers without regard to sex or marital status."

My podcast guest joining me this week is my colleague Helen Williams.With a background in Modern Languages from Bristol University and St Anne's College, Oxford, Helen joined the life sciences world in 2010. She led language services at a Global CRO and at a real-world evidence consultancy specialising in patient-facing smartphone and web applications. She has subject matter expertise in linguistic validation, a robust methodology for patient-reported outcome measures. In 2023, Helen launched her own language company, The Word Desk. Helen enjoys life in the Oxfordshire countryside, with her husband and three young children.Glossary of terms used in this conversation: eCOA – electronic clinical outcome assessmentCRO – contract research organizationPRO – patient-reported outcomePlease enjoy!  ***Buy our e-book: How to Find More Direct Clients Thrive as a Premium Freelance Translator in Your Niche and Futureproof Your Career

223-06-10 From the early days of eCOA, as an industry we have set expectations with Ethics committees around what is included in their submission packets for review, namely finalized, localized screenshots. This leads to additional burden for all as we strive to meet submissions dates and hit FPI dates. The advent of the new EU Clinical Trial Regulation provides us with an opportunity to reset that expectation and effectively plan for global research. Paul Taylor and Chris Watson from THREAD Research joined hosts Craig Lipset, Amir Kalali, and Jane Myles for the conversation.Follow the Decentralized Trials & Research Alliance (DTRA) on LinkedIn and Twitter. Learn more about Membership and our work at www.dtra.org.

In Episode 50 Len and Dean explore the issue of Fair Lending as it relates to appraisal bias. This emerging issue can lead to illegal discrimination within the appraisal process, impacting generational wealth building for minority consumers. Len and Dean discuss appraiser independence, the 2008 financial crisis, and how lenders can protect themselves against appraisal bias and potential liability under ECOA and FHA. Suggestions include thorough vendor due diligence, incorporating appraisal bias risks into fair lending risk assessments, training personnel on fair lending and appraisal bias red flags, and establishing clear processes for reconsiderations and appraisal complaints. Tune in to this insightful conversation as Len and Dean delve into the complexities of appraisal bias and its significant impact on consumers and the lending industry.   Brought to you by GeoDataVision and M&M Consulting

In this episode of Commitment Matters, Mary speaks with Rich Horn, Attorney at Garris Horn LLP. You can contact Rich via email.During their conversation, Rich or Mary mentioned: Find CFPB v. Townstone Financial case details and documents online. Learn more about Rich's work and the services his law firm, Garris Horn LLP, offers.Rich says the concept of redlining has altered how banks market and determine their operation locations. Rich details two fair lending statutes, The Equal Opportunity Credit Act, or ECOA, and the Fair Housing Act, or FHA. Other cases illustrate similar discrimination and violations of ECOA and FHA, such as United States v. Chevy Chase Bank, F.S.B.It's important to note the differences between disparate treatment and disparate impact.Evidence in these cases is often pulled from HMDA (Home Mortgage Disclosure Act) data, which is publicly published data about the U.S. mortgage market.United States v. Cadence Bank is another example case that Rich uses to explain redlining.Chevron deference is a law principle previously discussed on Commitment Matters. Rich explains how it's applied in this case.UDAP refers to Unfair, Deceptive or Abusive Acts or Practices.Rich brings up a new rule from the CFPB called the Business Loan Data Collection Rule, which will create new HMDA data for small business loan applicants. You can now reach the Commitment Matters Podcast via phone! Got a topic or guest idea you want featured? Leave us a voice message at 214.377.1807 or email us at podcasts@ramquest.com. Don't forget to subscribe, rate, and review this podcast on Apple Podcast, Spotify, or wherever you listen to podcasts, or visit RamQuest.com/podcast to download the latest episode. Lastly, we love to see when and how you're listening. Share our posts, or create your own and tag them: #CommitmentMattersPodcast

A VOZ QUE ECOA DA FORNALHA - Luizita Braglia

Episode 083 - Real Estate Exam Questions 37 Going through state exam questions to help real estate students pass their state exam. 01:55 – Congratulations to the recent test graduates: Heather, Maxine, Matthew, Tina, Sean, Dan, Lisa, Nikki, Lewis, Myra, Steven, Stephanie, Jahel, Russel, Cindy, Pete, Kristie, Dillon, Kelly, Paige, Kyle, Nun, Sarah, Chris, Cori, Stephanie, Amy, Kate, Kim, Bianca, and Tonya.  03:15 – Message from Teena. 05:20 – How to find episodes on multiple devices? Go to the website www.ahareep.com and it includes links to the different platforms we use. 06:43 – Things to think about if considering joining a real estate team. 11:30 – Beating a dead horse, do NOT memorize test questions and answers. Several people have used them and are not passing the exam. 15:20 – Jason asks about RESPA. Is it legal to offer discounts if someone has a one stop shop offering title, closing, and mortgages? Yes. 17:32 – Natalie asks about Do Not Call Registry. Consumer or customer we can contact for 3 months. Client, someone we worked with, we can contact for up to 18 months. 20:45 – What happens to a verbal conversation when commission is in question? Is it a contract, is the agent entitled to a commission, and is the contract enforceable. Statute of frauds would apply. 26:00 – How to apply depreciation to improvements on a parcel of land? Do not include the land in the depreciation calculation. $185,000 x 60% = $111,000 + $47,000 = $158,000. 29:27 – Agency duties of care, obedience and loyalty. 31:44 – A house with outdated plumbing suffers from what type of depreciation? Functional obsolescence. Curable versus incurable. 35:00 – When an HOA applies rules inconsistently, when could they be held liable for violating Fair Housing? Disability. Not citzenship, immigration status, or marital status. Marital status is under ECOA, Equal Credit Opportunity Act. 37:37 – If a person owns an easement, what type of easement do they have? Easement in gross..   A-Ha LINKS  Email info@ahareep.com Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Please join Troutman Pepper Partner Chris Willis and his colleague Consumer Financial Services Partner Lori Sommerfield as they discuss the implications of the recent Illinois federal court decision, dismissing the CFPB's first-ever redlining case against Townstone Financial, Inc., which alleged that Townstone engaged in redlining practices by discouraging applications under the Equal Credit Opportunity Act (ECOA) through its marketing approach. The court found that ECOA does not extend to prospective applicants.A seasoned consumer financial services attorney, Lori Sommerfield brings more than two decades of experience in federal government, in-house, and private practice settings. She leverages her deep expertise in fair lending and responsible banking regulatory compliance when routinely counseling clients in consumer financial services supervisory issues, examinations, investigations, and enforcement actions. Lori also comes highly experienced in advising clients on compliance with Title III of the ADA on accessibility of physical spaces and digital platforms.

Encontro EEU

The Townstone Financial Case is the second suit against the CFPB (Consumer Financial Protection Bureau), which has been aggressively pursuing redlining claims against independent mortgage bankersover the past couple of years. This time, it lost, and this landmark case gives us key takeaways on just how much power should be in the hands of the CFPB and how do we know it is already overstepping its bounds. Joining the show to explain the case is Mitch Kiderof the WBK Firm. Mitch believes that the Townstone Financial Case is an important one from an administrative law perspective because it clearly defined the bounds of the CFPB's authority.Although this would hardly undo the damage that the CFPB has already done to countless companies, this is a positive step towards fairer regulation in the industry. Learn more from this episode.

On February 9, the FTC provided the CFPB with its annual summary of activities enforcing the Equal Credit Opportunity Act (ECOA). The release of this summary provides a great opportunity for a round-up and some updates on new developments in this space over the past year. https://www.adlawaccess.com/2023/02/articles/ecoa-and-beyond-recent-updates-and-developments-in-discrimination-enforcement/ Ioana Gorecki IGorecki@kelleydrye.com (202) 342-8417 Bio - www.kelleydrye.com/Our-People/Ioana-Gorecki Subscribe to the Ad Law Access blog - www.adlawaccess.com/subscribe/ Subscribe to the Ad Law News Newsletter - https://www.kelleydrye.com/News-Events/Publications/Newsletters/Ad-Law-News-and-Views?dlg=1 View the Advertising and Privacy Law Resource Center - https://www.kelleydrye.com/Advertising-and-Privacy-Law-Resource-Center Find all of our links here linktr.ee/KelleyDryeAdLaw Hosted by Simone Roach

While Fair Lending remains a hot topic, do not forget about the technical provisions of ECOA and FHA.   Brought to you by GeoDataVision and M&M Consulting

Neste final de semana, um único endereço na região central da capital paulista vai concentrar feira de produtos e artesanato, apresentações culturais, oficinas, conferência e culinária da terra. O Galpão do MST, na região central da capital paulista, recebe entre esta sexta-feira e o próximo domingo  (2 a 4 de dezembro) o Festival da Reforma Agrária, que leva […] O post Entre temperos, ritmos e dribles: Festival em SP ecoa o função social da reforma agrária apareceu primeiro em Rádio Brasil de Fato.

Episódio especial em homenagem ao Dia do médico que é celebrado em 18 de outubro compartilhando um texto recomendado pelo querido e fiel ouvinte do Barulhinho Bom, Geovani Almeida. O texto é de autoria de sua esposa e médica Dra. Fernanda Bianco, que esta está na capa desse episódio. Gratidão, inspiração e admiração! Um agradecimento especial ao trabalho de milhares de médicos e profissionais da saúde. A música "De Corpo e Alma" foi criada por Elisa Gatti especialmente para uma homenagem de Ecoa. O link do clipe completo e original da música “De corpo e alma” está no canal do UOL no link: https://youtu.be/AmKPJ3c_yCY Que tal esse Barulhinho Bom? Obrigada por permitir tocar seu coração! Se sentir que esse conteúdo pode contribuir para a vida de alguém, por favor, compartilhe sem moderação! Contamos com você nessa missão! Assine o Podcast Barulhinho Bom em seu agregador de áudio preferido e receba os novos episódios tão logo sejam publicados (Apple Podcasts, Google Podcasts, Spotify, Deezer, SoundCloud, Amazon Music, Audible entre outros). ........................................................................................ Ficou com vontade de entrar em contato com a gente? E-mail: podcastbarulhinhobom@gmail.com Todos os contatos e conteúdos de Lidia Picinin (Lidinha): https://linktr.ee/lidia.picinin Instagram Lidia Picinin (Lidinha): https://instagram.com/lidia.picinin Instagram Trem da Vida: https://instagram.com/tremdavidaoficial Podcast Barulhinho Bom: https://soundcloud.com/barulhinhobom WhatsApp / Telegram: +55 (48) 99984.1014 Lista de transmissão VIP via WhatsApp: basta solicitar sua inclusão enviando uma mensagem para o número anterior e adicioná-lo em sua agenda de contatos. Grupo público no Telegram para interagir com outros ouvintes: https://t.me/barulhinhobom Grupo público no Telegram do Trem da Vida: https://t.me/tremdavida Canal no YouTube com mais conteúdos de Lidia Picinin (Lidinha): https://www.youtube.com/channel/UCkB1TvYNjuXwilqUkmFPccg Playlist musical do Podcast no Spotify chamada “Trilha Barulhinho Bom” – segue o link, siga, compartilhe e delicie-se sem moderação com as músicas utilizadas nos episódios: https://open.spotify.com/playlist/0ECjtl1bjx8mnWiDAKChnt?si=bK2ttO8KQPeZPsBNBT6xJg Produção e edição do Podcast: Lidia Picinin (https://instagram.com/lidia.picinin) Produção e edição das inspiradoras capinhas: Pat Malinski (https://instagram.com/pat_malinski) .......................................................................................... Conheça também o trabalho incrível dos artistas de nossa música tema “Barulhinho”: Canal YouTube dos músicos Renato Motha e Patricia Lobato: https://www.youtube.com/user/mcom20 Instagram: https://instagram.com/renatomothaepatriciobato Royalty free music by http://www.epidemicsound.com/ ......................................................................................... Um Podcast criado para deixar um Barulhinho Bom reverberando em seu coração em seus momentos de pausa! .........................................................................................

Essa é a série Giro da Semana, exclusiva de podcast, onde comentamos uma ou mais notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► ACESSE NOSSO SITE PARA MAIS INFORMAÇÕES DO ECONATURAE: https://econaturae.com.br ► CONFIRA A NOSSA LOJA: https://loja.econaturae.com.br/ ► SEJA NOSSO PADRIM: https://www.padrim.com.br/EcoNaturae ► DOE PONTUALMENTE: ➝ PicPay: https://picpay.me/econaturae ➝ Pix: naturae.eco@gmail.com ► Referências: Caso de 'cachoeira azul' para chá revelação está sendo investigado como infração ambiental - Fantástico - http://glo.bo/3SyTBea Responsável por tingir cachoeira de azul durante chá revelação em MT é multado - CNN Brasil - https://bit.ly/3RvuNCD Cachoeira azul: familiar usou corante de tingir piscinas - o Eco - https://bit.ly/3fzZOIg VÍDEO: Vazamento de produto químico deixa rio vermelho em Criciúma; IMA monitora - G1 - http://glo.bo/3fEkSxl Estudo detecta poluição por medicamentos nas águas da Amazônia - Ecoa - https://bit.ly/3rosMNR ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://bit.ly/3cLdNJZ ► SIGA NOSSAS REDES SOCIAIS ➝ Instagram - https://www.instagram.com/eco.naturae/ ➝ Facebook - https://www.facebook.com/naturae.eco ➝ LinkedIn - https://www.linkedin.com/company/26250283 ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

O poeta e compositor Gael Vila Nova, faz da poesia seu desafio de lirismo entre canções e letras. Ele vem ao Rabiscos falar sobre seu livro de poesia: Os Poemas que  Não Foram Cantados (Ed. Arrelique) e mostrar seu som.   Livro Passageira - Lua Ferreira. Peça direto com a autora. https://www.instagram.com/soul_de_lua/  Compre pelo site. https://crivo-editorial.lojaintegrada.com.br/passageira   Adquira o livro do Gael e conheça o trabalho da Editora Arrelique. https://linktr.ee/Arrelique   Conheça os trabalhos do Gael e ouça seu som. https://linktr.ee/gaelvilanova   Para envio de livros e postagens: Tadeu Rodrigues Caixa Postal nº 129  CEP: 37701-010 - Poços de Caldas - MG   Acompanhe, curta, compartilhe!   Siga-nos | Instagram: @podcastrabiscos | @tadeufrodrigues | @cartasdecarolina | email: podcastrabiscos@gmail.com | tadeufrodrigues@gmail.com

About The Episode As patient-centricity influences every part of the clinical trial process, sponsors may be surprised at how they impact eCOA strategy.  On this episode, THREAD Research's Chris Watson and Rebecca Tomalty share their expertise and experience, strategizing and developing patient-centric eCOAs to avoid surprise costs and delays. Listeners will learn: when to start thinking about eCOA implementation, the unexpected hurdles that can pop up, the ways that patient-centricity has impacted future eCOA planning, and the questions to be asking of your eCOA partners.  About the Speakers:  Chris Watson, Director, Consulting, THREAD Chris has over 27 years of experience in product and service development within regulated industries across multiple markets. The last 13+ years have focused on Clinical technologies, including tools and platforms to engage, educate and retain participants (and their families) in clinical studies. Chris is a recognised subject matter expert in eCOA and patient engagement, with a proven ability in the technical domain.    Rebecca Tomalty, Director of eCOA and Translations, THREAD Rebecca has 20 years of industry experience, primarily in Operations. After several years of experience as a Project Manager, she moved to Clinical Outcome Assessment management in the form of scale management (eCOA Licensing and copyright management and Translations) and, most recently, eCOA design and oversight. As Director of eCOA and Translation Services, she has operational oversight for these two key areas of engagement.   For more information on disruptive innovations in clinical research, click here.

CogState CEO Brad O'Connor speaks with Proactive at the ASX Small and Mid-Cap Conference September 2022. CogState is focused on developing neuroscience technology that optimises brain health assessments to advance the development of new medicines and to enable earlier clinical insights in healthcare. CogState's technologies provide rapid, reliable and highly sensitive computerised cognitive tests and support electronic clinical outcome assessment (eCOA) solutions to replace costly and error-prone paper assessments with real-time data capture. #CogState #brainhealth #asx #proactiveaustralia

  Joe Dustin is Vice President of Product Strategy and General Manager for eCOA and Decentralized trials at Medable.  He is responsible for the go-to-market strategy around Medable's solutions and is working to define what decentralized trials will become with the professionals who are living it every day. For 20 years, Joe has been in the Clinical Trials Industry at the intersection of Technology, Innovation and Science. He has held a number of roles in IT, Project Management, Solution Consulting, Product Development and Sales at tech companies like Medidata and CRF Health, and most recently was the Head of Clinical Innovation and Change Management at Bristol Myers Squibb. In this episode we discuss decentralized clinical trials (duh), the financial implications for sites, the disconnect between sponsor, vendor and site, the value proposition of site technology, and so much more.

Hey all, Jason here.This Sunday, I have a “hybrid” post for you — both regular newsletter content and a special podcast conversation about banking-as-a-service and regulation, with guests Sankaet Pathak, co-founder and CEO of Synapse, and Shaul David, Head of Banking at Railsr.We had a wide-ranging conversation about the space, including:How banking-as-a-service can help bank/fintech partnerships to scaleWhy some banking-as-a-service platforms want to be regulatedHow to ensure customers funds are protected when a fintech (or bank, or e-money institution) failsPredictions for the future of banking-as-a-serviceand moreClick “Listen Now” above or find the show on Apple Podcasts, Google Podcasts, Spotify, or anywhere else you listen to pods.Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday:How Do Goldman Sachs' CFPB Complaints Stack Up?Last week, we learned that the CFPB is investigating Goldman Sachs, which issues co-branded cards with Apple and General Motors, over its “credit card account management practices, including with respect to the application of refunds, crediting of nonconforming payments, billing error resolution, advertisements, and reporting to credit bureaus.” Now, CNBC is reporting one possible source of the scrutiny is how Goldman handles chargebacks on its cards. Per CNBC (emphasis added):“When an Apple Card user disputes a transaction, Goldman has to seek a resolution within regulatory timelines, and it sometimes failed at that, said the people, who requested anonymity to speak candidly about the situation. Customers were sometimes given conflicting information or had long wait times, the people said.Goldman got more disputes than it counted on, said one source. ‘You have these queues that you need to clear out within a certain amount of time. The business was getting so big, suddenly we had to create more automation to deal with it.'…Regulators are focused on customer complaints from the past few years, and the biggest source of those came from attempted chargebacks…”The Fair Credit Billing Act (FCBA) requires card issuers to acknowledge receipt of a dispute within 30 days and to investigate and resolve them within two billing cycles (not to exceed 90 days).Goldman Sachs' Most Common ComplaintsSince launching its first credit card, the Apple Card, in August 2019, consumers have lodged just over 1,300 complaints related to Goldman's credit cards with the CFPB.While it is difficult to compare Goldman to other issuers on the absolute number of complaints, it's possible to compare the relative frequency of types of complaints.Since the launch of the Apple Card, the five most common categories of complaint about Goldman to the CFPB were:Credit card company isn't resolving a dispute about a purchase on your statementApplication deniedCan't use card to make purchasesProblem during payment processCard was charged for something you did not purchase with the cardSo how does Goldman stack up to other major card issuers?About 27% of all complaints to the CFPB about Goldman's credit cards were related to transaction disputes. While this may sound high, it's slightly below major card issuer Citibank, though above American Express, Capital One, and Synchrony.A typical complaint to Goldman about a dispute sounded something like this one (emphasis added):“I had made a purchase at a XXXX dealership for a service ( fixing my a/c ). I paid for the service up front, like the dealer requested. I had to leave town for work, when I came back the dealer sent back the parts for my car, so I spoke to the XXXX and he agreed to refund me for the services, given that I never received them. XXXX never refunded me, so I took it with XXXX XXXX Credit Card and dispute it.They returned saying that the dealership had enough proof that I made the purchase. However they refused to see that through the whole time I talked to them about the dispute, I mentioned several times, I never received the service. I made the purchase and never got the services. When requested proof of the investigation. They had none, only that I made the purchase. No proof of the dealership saying I received the services, the only thing I got was we can do nothing.”The two categories of complaint where Goldman really stands out from others are “Application denied” and “Can't use card to make purchases.” The high share of complaints about denied applications makes enough sense, given the high-profile launch of the Apple Card and unfounded complaints of gender discrimination.The complaints about not being able to use the card to make purchases — which accounted for just over 9% of all complaints about Goldman-issued credit cards, are a bit more unusual. For other major issuers, these kinds of complaints represented just 2-4% of complaints to the CFPB.Though the exact complaints vary, a common theme emerges, where a user's card is restricted for unclear reasons, and, when they contact Goldman, they're unable to get an answer as to why.Many complaints also referenced calling repeatedly, long hold times, and unfulfilled promises that consumers would be called back.For example, one customer wrote to the CFPB (emphasis added):“For exactly a month now, Apple restricted my Apple credit card and I have not been able to make purchases using this card because they said my account is ‘under review'.They said that someone would contact me to resolve the situation when the review is done, but they never did. When I tried calling back like every week (latest was on XX/XX/XXXX), Apple still told me the same thing ... to wait for a return call.”…and another wrote (emphasis added):“I used my credit card within my limit as I normally would. The account has been restricted and I wasnt told why other than something triggered a response in their department. Ive called numerous times and my account is still restricted over a week later. Im not given a time frame of when I can usee my account. After reading about this companys practices online in similar cases, it looks like many people are restricted from using their cards for over a month.”CFPB Interpretative Rule Puts Google, Meta on Notice For UDAAP, Consumer Protection Violations LiabilityThe CFPB has put “Big Tech” on notice that they may be considered service providers to financial services companies that use their advertising platforms and thus “can be held liable by the CFPB or other law enforcers for committing unfair, deceptive, or abusive acts or practices as well as other consumer financial protection violations.”The CFPB's statement released in conjunction with the interpretative rule draws a distinction between “traditional advertising,” like a TV commercial or bill board, and “digital marketing.” According to the statement (emphasis added):“Traditional advertising relies on getting a product or service out to as wide an audience as possible. A traditional marketer, for example, may try to purchase time and space for a TV commercial on the most watched station or show.Digital marketers, on the other hand, seek to maximize individuals' interactions with ads. They may harvest personal data to feed their behavioral analytics models that can target individuals or groups that they predict are more likely to interact with an ad or sign up for a product or service.”Because digital marketing platforms “go beyond” traditional advertising, they do not qualify for the “time and space” exception that a TV station or newspaper would enjoy, the CFPB says.The agency argues that targeting and optimization algorithms common in digital marketing constitute a material service to financial advertisers (emphasis added):“Digital marketing providers are typically materially involved in the development of content strategy when they identify or select prospective customers or select or place content in order to encourage consumer engagement with advertising.Digital marketers engaged in this type of ad targeting and delivery are not merely providing ad space and time, and they do not qualify under the ‘time or space' exception.”What does this mean in practice? While the CFPB doesn't name specific ad platforms in the interpretative rule nor in its statement, it's pretty clearly targeted at Google and Meta (Facebook).While the statement about the interpretive rule is broad, referencing potential liability for unfair, deceptive, and abusive practices, the most obvious area that could receive scrutiny is how ad platforms ensure compliance with ECOA or other kinds of unfair discrimination.The Equal Credit Opportunity Act prohibits discrimination in access to credit on the basis of race, color, religion, national origin, sex, marital status, age, public assistance, or the exercise of any rights under the Consumer Credit Protection Act.This isn't purely theoretical — the Department of Justice recently reached a settlement with Meta on similar allegations that when its targeting algorithms were used for housing advertisements, the result was illegal discrimination in violation of the Fair Housing Act.In fact, CFPB Director Chopra referenced this case in remarks he gave last week coinciding with release of the rule. He closed those remarks by saying (emphasis added):“Today, relationship banking is under threat. In part, this is because our sensitive data is viewed as more valuable to firms than our actual selves. Advances in technology should help our economy and society advance, rather than incentivizing a rush to seize our sensitive financial data and to allow tech giants to evade existing laws that other firms must comply with. It is critical that we all work together to address this.”Digit to Pay $2.7 Million Penalty for Deceiving Users on OverdraftsSavings app Digit, which was recently acquired by small-dollar lender Oportun, has reached a settlement with the CFPB over its marketing and business practices that resulted in consumers overdrafting their accounts.The language in the press release announcing the order is notable for describing the company as “lying” to consumers:The Digit app links to a customer's existing checking account and then automatically determines an amount to transfer to a separate savings account.Digit promised that such transfers would not cause a user to overdraft their account and that, if they did, Digit would reimburse them.But, according to the consent order, that was not the case:“Falsely guaranteed no overdrafts: Hello Digit represented that its tool “never transfers more than you can afford,” and it provided a “no overdraft guarantee.” But instead, Hello Digit routinely caused consumers' checking accounts to incur overdraft fees charged by their banks. Hello Digit received complaints about overdrafts daily.Broke promises to make whole on its mistakes: The company also represented that if there was an overdraft, it would reimburse consumers. But the company often denied customers who tried to recoup their money. The company has received nearly 70,000 overdraft-reimbursement requests since 2017.Pocketed interest that should have gone to consumers: As of mid-2017, Hello Digit deceived consumers when it represented that it would not keep any interest earned on consumer funds that it was holding, when in fact the company kept a significant amount of the interest earned. Had Hello Digit kept its promise to not keep the interest on consumers' funds, consumers could have pocketed the extra savings.”For its part, Oportun, which acquired Digit, released the following statement (emphasis added):“Digit received a CID from the CFPB in June 2020. The CID was discussed with Oportun during the acquisition process. The stated purpose of the CID was to determine whether Digit, in connection with offering its products or services, misrepresented the terms, conditions, or costs of the products or services in a manner that is unfair, deceptive, or abusive.Through the investigation, it was found that with a success rate of better than 99.99%, Digit isn't ‘perfect,' meaning a Digit Save transaction caused an overdraft fee for one of our members less than 0.008% of the time.As a result, Digit owes 1,947 members approximately $35 each, for a total of $68,145. In addition, Digit will pay a civil money penalty of $2.7 million. While we disagree with the CFPB on this matter, we are happy to have it settled.”It's unclear how Digit's purported 99.99% success rate reconciles with the CFPB's claim that the company has received nearly 70,000 overdraft-related complaints since 2017.Other Good ReadsWhat's Going Wrong at Goldman Sachs' Marcus Consumer Bank (Business Insider)A PFM App By Any Other Name (Fintech Takes)Family Fortunes: The Origins and Growth of the Family Office (Net Interest)Contact Fintech Business WeeklyLooking to work with me in any of the following areas? Email me.Fintech advising & consultingSponsoring this newsletterNews tip or story suggestionEarly stage startup looking to raise equity or debt capital Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Together with our special guest whose company provides software enabling lenders to use AI to underwrite loans, we explore a wide range of issues of importance to lenders using AI to underwrite loans. Our discussion topics include: the CFPB's position on how ECOA adverse action notice requirements apply to credit decisions based on the use of AI; what is meant by explainability and interpretability of AI; fair lending and other compliance risks and steps to reduce risk; preparing for CFPB exams; and the CFPB's call for tech workers to act as whistleblowers to report potential discrimination arising from the use of AI. Alan Kaplinsky, Ballard Spahr Senior Counsel hosts the conversation, joined by John Culhane and Michael Gordon, partners in the firm's Consumer Financial Services Group.

Me chamo Suzany Vicente, tenho 23 anos, sou do interior de SP. Comecei a escrever pela vivência lésbica como forma de afirmar minha própria existência. Recentemente tive minha primeira publicação na Revista Ruído Manifesto, também publiquei no Zine Festival Audre Lorde da Cachalote Publicações, e no Poetize 2022 Seleção Poesia Brasileira da Vivara Editora Nacional e estou nessa procura por espaços. ►► Apoie pequenas editoras. Compre livros de autores independentes! https://loja.tomaaiumpoema.com.br/ _________________________________ Suzany Vicente — Onde Moro Aqui é como o ralo. Ecoa o grito passivo, o mito pacato, silenciado. Direito a ignorância garantida, felizes todos iguais, há paz. Plateia assisti a vida alheia, de praxe, protagoniza a própria anestesiada. Aqui almoçamos e jantamos todos juntos o delírio da normalidade. _________________________________ Use #tomaaiumpoema Siga @tomaaiumpoema Poema: Onde Moro Poeta : Suzany Vicente Voz: Jéssica Iancoski Apoio: Afetiva Rede de Culturas https://tomaaiumpoema.com.br ATENÇÃO Somos um projeto social. Todo valor arrecadado é investido na literatura. FAÇA UM PIX DE QUALQUER VALOR CNPJ 33.066.546/0001-02 ou tomaaiumpoema@gmail.com Até mesmo um real ajuda a poesia a se manter viva! #poesia | #poemas | #podcast

Llega la segunda edición del Curso de Liderazgo y Coaching avalado por ECOA, Adriana Méndez y Fabiana Navarro nos cuentan en la nota qué significa el coaching y que herramientas brinda el curso

Sam and Ivanna speak to Willie Muehlhausen about how simplifying and automating patient reported outcomes is not so much complicated, as it is complex. Willie shares his perspectives on the evolution of ePRO and eCOA and how the newer trend of decentralised clinical trials is closely tied to mastering the collection of patient reported outcomes. Willie is working towards making it possible to translate a clinical protocol into configuration in 12 minutes instead of 12 weeks and hints at other possibilities yet to be explored . If Willie could change one thing in our industry it would be increasing the level of knowledge sharing and knowledge retention. “The purpose is to get good data while making it easy for patients”  Willie Muehlhausen  Notes & LinksGuest Willie MuehlhauseneCOA Consortium (formerly known as the ePRO consortium) Safira Clinical Research Limited Recall Bias CDISCODM XML Guidance on Ecological Momentary AssessmentConsidering BYOD in Clinical Trials eConsentBooks by Willie MuehlhausenPatient Reported OutcomesElectronic Patient-Reported Outcome Measures: An Implementation Handbook for Clinical ResearchTechnology mentionedeProeDiaryeCOAAI/ MLEHREDCPDAsFunctions mentionedCROs Clinical Sites SponsorsData ManagementStatistical Programming Abbreviations & DefinitionsAI: Artificial IntelligenceAPI: Application Programming Interface BYOD: Bring Your Own Device BYOT: Bring Your Own Technology CDISC: Clinical Data International Standards ConsortiumCRA: Clinical Research Associate DCT: Decentralized Clinical TrialEDC: Electronic Data CaptureeDiary: Electronic DiaryEHR: Electronic Health RecordsePRO: Electronic Patient Recorded OutcomesEMAs: Ecological Momentary Assessment FDA: Food and Drug Administration JSON: JavaScript Object NotationML: Machine LearningODM-XML: is a vendor-neutral, platform-independent format for exchanging and archiving clinical and translational research dataPDA: Personal Digital Assistant 

Ontem, na última meia hora, os mercados americanos realizaram forte e inibiram melhor performance do mercado local. A Bovespa ainda conseguiu encerrar com alta de 0,98% e índice em 111.289 pontos (chegou a vazar a faixa de 112.600 pontos), enquanto Dow Jones passou para campo negativo em -0,38% e Nasdaq praticamente estável com +0,02%. Aqui, o dólar também reverteu queda e fechou em alta de 0,11%, cotado a R$ 5,44. Tudo por conta da coletiva de imprensa do presidente do FED, Jerome Powell. Powell começou sua fala como sempre suave nas declarações, mas no final endureceu posição, abrindo espaço para um FED mais agressivo no tapering, alta de juros (principalmente) e redução de tamanho dos ativos carregados. Além disso, podemos estimar encurtamento de prazos para essas atividades.

Medidata technology has helped to bring COVID-19 vaccines and treatments to market in record timelines and the company was the first to have launched a fully end-to-end Decentralised Clinical Trials (DCT) offering. Decentralised clinical trials, described as the ‘new normal' and the future of clinical research, harness remote technologies to enable patients to participate in clinical trials from their home or preferred location, decreasing patient burden and offering greater flexibility as well as increasing the reach to patients around the world. Lisa Moneymaker is the Senior Vice President of Clinical Operations Technologies for Medidata Solutions. She has over 20 years of pharma, biotech, and medical device industry experience, delivering complex systems solutions in support of excellence in clinical trial execution. Paul O'Donohoe is Senior Director, eCOA Product and Science at Medidata. He is responsible for developing the company's scientific expertise for electronic clinical outcome assessments, and mobile health in clinical trials, and supports internal teams and sponsors around the implementation of industry and regulatory best practices in studies using eCOA. Listen to this podcast to find out more about why decentralised clinical trials are becoming increasingly significant, how the pandemic has affected the clinical trials space, the importance of the patient experience and what clinical trials will look like in the future.

Mercredi 24 novembre 2021, SMART IMPACT reçoit Aliette Leleux (Présidente, Fondation Accenture) , Amancio Sampaio (Dirigeant d'entreprise brésilien) et Esther Lutete (Fondatrice, Ecoa)

Essa é a série Giro da Semana, exclusiva de podcast, onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► ACESSE NOSSO SITE PARA MAIS INFORMAÇÕES DO ECONATURAE: https://projetoeconaturae.wordpress.com/ ► SEJA NOSSO PADRIM: https://www.padrim.com.br/EcoNaturae ► DOE PONTUALMENTE: ➝ PicPay: https://picpay.me/econaturae ➝ Pix: Chave aleatória: naturae.eco@gmail.com ► Referências: Apenas 4% dos jovens ativistas na América Latina e no Caribe disseram que a ação climática é suficiente – pesquisa do UNICEF - UNICEF - https://tinyurl.com/m9fck82z Aparições de tubarões na orla de Balneário Camboriú chegam a 23 desde agosto, segundo Museu Oceanográfico - G1 - https://tinyurl.com/28hpfwak COP26 mostra que pauta climática não é mais conversa só de ambientalistas - Ecoa - https//tinyurl.com/374kmkbc ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://mailchi.mp/a247a76a3c06/boletim-informativo ► SIGA NOSSAS REDES SOCIAIS ➝ Instagram - https://www.instagram.com/eco.naturae/ ➝ Facebook - https://www.facebook.com/naturae.eco ➝ LinkedIn - https://www.linkedin.com/company/26250283 ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

Nesta review de One Piece, cobrimos o capítulo 1030, entitulado "Ecoa a impermanência de todas as coisas", maldito título que nos fez tirar o "DO" do título. Contamos com a ilustre participação de André, O Menino Precavido, Babibug e pinguim não nomeado para ficarem frustrados com Kin'emon e hypados com o despertar! Infelizmente, problemas técnicos deixaram o áudio do André, O Menino Precavido bem ruim durante boa parte do vídeo. Pedimos desculpas... Caso queira acompanhar o pessoal que monta essa maluquice, considere nos seguir no Instagram, em @shonen_show! Não esqueça que também estamos no YouTube! Valeu! Música da intro/outro: https://www.youtube.com/watch?v=wG7TwBJS2G4&t=0s

Este é o nosso segundo Informe Quijano. Neste episódio, na ocasião do centenário de nascimento de Paulo Freire, a socióloga Veronica Freitas convidou Nelsy Lizarazo, da Rede CLADE (Campanha Latino-americana pelo Direito à Educação), para traçar um panorama da educação e seus desafios na região. Apresentamos como os índices de acesso a direitos educativos melhoraram nas últimas décadas, mas se encontram atualmente sob ameaça, tendo em vista o agravamento das condições de vida diante da pandemia da Covid-19 e ofensivas de governos conservadores. Na primeira parte do informe, trazemos um levantamento da situação na América Latina e Caribe, construída a partir das pesquisas e publicações da CLADE. Na segunda parte, convidamos especialistas para dialogar sobre o tema. Conversamos com Jesus Juárez, da Campaña por el Derecho a la Educación de México (CADEM), e Mónica Novillo, da Red de Educación Popular de Mujeres (REPEM). O episódio é mais uma iniciativa bilíngue do nosso boletim regional. A homenagem a Paulo Freire e nosso compromisso com uma educação crítica, conectada com as lutas sociais, foi a perspectiva de onde partimos para construir esse debate. Introdução e condução da roda de conversa: Veronica Freitas e Nelsy Lizarazo / Entrevistados: Jesus Juárez e Mónica Novillo / Produção: Laura Giannecchini e Veronica Freitas / Edição: Felipe Yamahata. Para acessar as redes dos parceiros: Rede CLADE (www.redclade.org), REPEM (https://www.repem.org/) e da CADEM (https://cadem-mx.org/). Colabore com nossa campanha de financiamento coletivo: https://apoia.se/pulsolatinopodcast Encontre o Pulso Latino nas redes como @pulsolatinocast ou mande um e-mail para nós: pulsolatinocast@gmail.com

This podcast will address the technical regulatory provisions for treatment of credit applications under ECOA/FHA.   Brought to you by GeoDataVision and M&M Consulting

Jalkapallo on urheilulajeista erityisasemassa myös kirjallisuudessa ja filosofiassa, metaforien kenttä joka on venynyt niin kaikkien poliittisten suuntausten tarpeisiin kuin "kansallisten" erityispiirteiden kuvitteluun ja kuvittamiseen. Se on lähes alusta asti nähty fyysisen pelin lisäksi leikin, ajattelun ja estetiikan prismojen läpi. Suomalaisille kannattajille jalkapallo on toiminut romantiikan ja kaukokaipuun välineenä, antanut mahdollisuuden toistuviin toivon ja turvallisen pettymyksentunteen, yhteisen ulkopuolisuuden kokemuksiin - sekä nyt aivan uuteen tunteeseen, jossa ollaan jo aivan kansainvälisen menestyksen kynnyksellä. Ei siis ihme, että jopa kertomuskriittinen Pieni karanteenikirjakerho rakastaa futista ja futisnarratiivien tarkastelua. EM-kisojen viimeisen viikon kunniaksi jalkapallovieraita on kaksi kappalein. "Futistohtori" Sami Kolamon kanssa keskustellaan hänen teoksestaan Jalkapallon kauneus (Aviador). Siinä Kolamo löytää paitsi suuresti ihaillun "kauniin pelin" ja jogo boniton brasilialaiset taiteilijayksilöt, myös tarpeenmukaista kauneutta kaupunkirakentamisessa, johon klassiset stadionit solahtavat kuin tehdastyöläisen vapaa lauantai-iltapäivä. Futiksessa on alusta asti törmännyt vähintään kolmen luokan Maku, ja sen karnevalismi on innoittanut niin 20-luvun wieniläiskahviloiden esteettejä kuin Borgesia ja Ecoa. Jalkapallokannattaja Paavo Arhinmäki kertoo kirjoittamastaan maajoukkuefanin muistelmakirjasta, johon onneksi pääsee valumaan myös muuttuvan maailman kuvausta ja kritiikkiä, ovathan Suomen miesten A-maajoukkueet päässeet karsimaan ja kärsimään erilaisissa Euroopan politiikan polttopisteissä viimeisten vuosikymmenten ajan. Nationalismi näyttää rumimpia puoliaan monissa futiskatsomoissa, mutta miksi suomalaiskannattajakatsomo on enimmäkseen hyvähenkinen yhteisö, jossa kentän ulkopuolinen status menettää merkityksensä? Puhumme epäonnistumisiin tottumisen romantiikasta mutta myös siitä, mitä kansalaisyhteiskunta ja demokratia mahtaa aina vain ahneemmille UEFA:lle ja FIFA:lle.

Jalkapallo on urheilulajeista erityisasemassa myös kirjallisuudessa ja filosofiassa, metaforien kenttä joka on venynyt niin kaikkien poliittisten suuntausten tarpeisiin kuin "kansallisten" erityispiirteiden kuvitteluun ja kuvittamiseen. Se on lähes alusta asti nähty fyysisen pelin lisäksi leikin, ajattelun ja estetiikan prismojen läpi. Suomalaisille kannattajille jalkapallo on toiminut romantiikan ja kaukokaipuun välineenä, antanut mahdollisuuden toistuviin toivon ja turvallisen pettymyksentunteen, yhteisen ulkopuolisuuden kokemuksiin - sekä nyt aivan uuteen tunteeseen, jossa ollaan jo aivan kansainvälisen menestyksen kynnyksellä. Ei siis ihme, että jopa kertomuskriittinen Pieni karanteenikirjakerho rakastaa futista ja futisnarratiivien tarkastelua. EM-kisojen viimeisen viikon kunniaksi jalkapallovieraita on kaksi kappalein. "Futistohtori" Sami Kolamon kanssa keskustellaan hänen teoksestaan Jalkapallon kauneus (Aviador). Siinä Kolamo löytää paitsi suuresti ihaillun "kauniin pelin" ja jogo boniton brasilialaiset taiteilijayksilöt, myös tarpeenmukaista kauneutta kaupunkirakentamisessa, johon klassiset stadionit solahtavat kuin tehdastyöläisen vapaa lauantai-iltapäivä. Futiksessa on alusta asti törmännyt vähintään kolmen luokan Maku, ja sen karnevalismi on innoittanut niin 20-luvun wieniläiskahviloiden esteettejä kuin Borgesia ja Ecoa. Jalkapallokannattaja Paavo Arhinmäki kertoo kirjoittamastaan maajoukkuefanin muistelmakirjasta, johon onneksi pääsee valumaan myös muuttuvan maailman kuvausta ja kritiikkiä, ovathan Suomen miesten A-maajoukkueet päässeet karsimaan ja kärsimään erilaisissa Euroopan politiikan polttopisteissä viimeisten vuosikymmenten ajan. Nationalismi näyttää rumimpia puoliaan monissa futiskatsomoissa, mutta miksi suomalaiskannattajakatsomo on enimmäkseen hyvähenkinen yhteisö, jossa kentän ulkopuolinen status menettää merkityksensä? Puhumme epäonnistumisiin tottumisen romantiikasta mutta myös siitä, mitä kansalaisyhteiskunta ja demokratia mahtaa aina vain ahneemmille UEFA:lle ja FIFA:lle.

Essa é a série Giro da Semana, exclusiva de podcast, onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► SEJA NOSSO PADRIM ➝ https://www.padrim.com.br/EcoNaturae​ ► DOE PONTUALMENTE ➝ PicPay: https://picpay.me/econaturae​ ➝ Pix: Chave aleatória: fbdfafda-f139-4eee-bccc-9653db28b794 ► Referências: Cai o ministro Ricardo Salles, do Meio Ambiente - G1 - https://glo.bo/367ZhVO Quem é Joaquim Alvaro Pereira Leite, que substitui Salles no Ministério do Meio Ambiente - G1 - https://glo.bo/3dtSdHt Família de novo ministro do Meio Ambiente disputa posse em terra indígena em SP - G1 - https://glo.bo/3AcJ9QR Coral cresce surpreendentemente e pode elevar em 50% a renda de jangadeiros - Ecoa - https://bit.ly/3dr1NL2 Ecocídio, crime contra o planeta, ganha definição jurídica e avança rumo à penalização - El País Brasil - https://bit.ly/364svVO ► Linktree: https://linktr.ee/eco.naturae ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://tinyurl.com/boletimeco ► SIGA NOSSAS REDES SOCIAIS Instagram - https://bit.ly/InstaEcoNaturae Facebook - https://bit.ly/FBEcoNaturae LinkedIn - https://bit.ly/LInEcoNaturae ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

Reportagem do portal UOL publicada nesta quarta-feira (16) afirma que o comando da Polícia Federal tentou afastar uma delegada que pediu buscas no Palácio do Planalto, no âmbito do inquérito dos atos antidemocráticos. O “Durma com essa” mostra como essa investigação é cercada de disputas entre autoridades e explica por que, mesmo praticamente encerrada, ela ainda tem potencial de causar estragos para o governo do presidente Jair Bolsonaro. O programa traz ainda a redatora Isabela Cruz falando sobre a quebra de sigilo fiscal e bancário do empresário Carlos Wizard e o repórter especial João Paulo Charleaux comentando o encontro entre Joe Biden e Vladimir Putin na Suíça.

Essa é a série Giro da Semana, exclusiva de podcast, onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► SEJA NOSSO PADRIM ➝ https://www.padrim.com.br/EcoNaturae​ ► DOE PONTUALMENTE ➝ PicPay: https://picpay.me/econaturae​ ➝ Pix: Chave aleatória: fbdfafda-f139-4eee-bccc-9653db28b794 ► Referências: Professora de comunidade no interior do AM descobre mais de 150 cores da floresta: 'É como se a natureza dissesse que existe' - G1 - https://glo.bo/3wehQ6p Se liberado, trigo transgênico fará brasileiro de cobaia, diz especialista - Ecoa - https://bit.ly/2StPeY1 Em live, chef Gil Guimarães fala sobre gastronomia e respeito ao meio ambiente - Correio Braziliense - https://bit.ly/3czi7ZQ ► Linktree: https://linktr.ee/eco.naturae ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://tinyurl.com/boletimeco ► SIGA NOSSAS REDES SOCIAIS Instagram - https://bit.ly/InstaEcoNaturae Facebook - https://bit.ly/FBEcoNaturae LinkedIn - https://bit.ly/LInEcoNaturae ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

Poeta escritor nascido na cidade de São Paulo comecei a escrever desde os quartoze anos fazendo músicas e poema e um dia sonho em conquistar o mundo com minha arte. >> Apoie o projeto e nos ajude a espalhar mais poesia https://apoia.se/tomaaiumpoema Poema: O Fio do Fim Poeta: PauloRockCesar Voz: Jéssica Iancoski | @euiancoski Use #tomaaiumpoema Siga @tomaaiumpoema "Coração que aperta Segurado por um fio Fio tênue entre o amor e a razão, por que gostar e querer está tão longe de ser um par Por que um olhar não pode virar Paixão e como as palavras perderam A confiança Me lembro de ser romântico e gritar ao mundo que amo E o mesmo mundo levou o amor de mim Hoje vago por frases e verso Hoje sou folha em branco Sem grafite Sem tinta sem roteiro Não tenho mais ouvintes Meu palco está vazio Peito afogado, Ecoa a dor e falta de esperança O Poeta está preste a morrer Sem amor, o que sobra é fumaça Com o fim em um último gole da garrafa." Descubra mais em www.jessicaiancoski.com Está servido? Fique! Que tal mais um poeminha? ___ >> Quer ter um poema seu aqui? É só preencher o formulário! Após o preenchimento, nossa equipe entrará em contato para informar a data agendada. https://forms.gle/nAEHJgd9u8B9zS3u7 CONTRIBUA! =P >> Formulário para Indicação de Autores, contribuição com declames, sugestões (...)! https://forms.gle/itY59kREnXhZpqjq7

O Seis e Um conversa com Marcos Fernandes de Omena, o Dexter, um dos grandes nomes do rap nacional. No bate-papo com Djalma Campos, Dexter fala da regravação de “Voz Ativa”, clássico dos Racionais MCs, relembra o momento que conheceu os integrantes do grupo de rap mais importante do país, comenta a postura do jogador Neymar, fala do movimento negro e do início de sua carreira. Antes de se tornar um símbolo da resistência negra, o rapper foi cabeleireiro e engrossou a plateia de seus ídolos na música. A reportagem desta entrevista foi publicada no ECOA, do portal UOL, e ganhou o prêmio Neusa Maria de Jornalismo em 2020. > Além do quadro Histórias, o talk show Seis e Um também conta com os quadros Entrevista e Cultura (Entretenimento, Cinema, Música, Espetáculos e Livros]. Siga o Seis e Um no Instagram: @seiseumpodcast Apoie o podcast Seis e Um [$]: picpay.me/djalma.campos3/10.0 --- Send in a voice message: https://anchor.fm/seis-e-um-podcast/message

No podcast #70, conversamos sobre infoxication, pensamento analítico e dados, com Ricardo Cappra, cientista da dados e fundador do Cappra Institute. Ouça e participe do bate papo nos comentários! --- Links relacionados: Palestra de Ricardo Cappra sobre Infoxication no evento ECOA, da PUC RIO - https://bit.ly/3dLBa2N.

Essa é a série Giro da Semana, exclusiva de podcast, onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► SEJA NOSSO PADRIM: https://www.padrim.com.br/EcoNaturae​ ► DOE PONTUALMENTE: https://picpay.me/econaturae​ ► Notícias dessa semana: Floresta urbana nos EUA distribui frutas e vegetais de graça - Ecoa - https://tinyurl.com/my3cukp4 A ilha infestada de gatos selvagens que virou um problema para uma cidade - A história do mar - https://tinyurl.com/ym3h94de MACIEL, Tatiane Tagliatti; BARBOSA, Bruno Corrêa; PREZOTO, Fábio. Invasão de Vespas assassinas? A verdadeira história das Vespas-gigantes-asiáticas. Revista Brasileira de Zoociências, v. 21, n. 1, p. 1-8, 2020. ► Linktree: https://linktr.ee/eco.naturae ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://tinyurl.com/boletimeco ► SIGA NOSSAS REDES SOCIAIS Instagram - https://bit.ly/InstaEcoNaturae Facebook - https://bit.ly/FBEcoNaturae LinkedIn - https://bit.ly/LInEcoNaturae ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

Essa é a série Giro da Semana, exclusiva de podcast, onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► SEJA NOSSO PADRIM: https://www.padrim.com.br/EcoNaturae​ ► DOE PONTUALMENTE: https://picpay.me/econaturae​ ► Notícias dessa semana: A carne possível: fazendeiro mostra como pecuária pode regenerar o Cerrado - Ecoa - https://tinyurl.com/9ae8mesd O que são alimentos transgênicos? Eles impactam no meio ambiente e na saúde - Ecoa - https://tinyurl.com/6pcjf92d New E.P.A. Head Says Agency Has Climate Regulations Underway - New York Times - https://tinyurl.com/ctjc5mz5 ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://tinyurl.com/boletimeco ► SIGA NOSSAS REDES SOCIAIS Instagram - https://bit.ly/InstaEcoNaturae Facebook - https://bit.ly/FBEcoNaturae LinkedIn - https://bit.ly/LInEcoNaturae ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

Essa é a série Giro da Semana onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► SEJA NOSSO PADRIM: https://www.padrim.com.br/EcoNaturae ► DOE PONTUALMENTE: https://picpay.me/econaturae ► Notícias e artigo dessa semana: Estradas podem ser grandes corredores para doenças - Fauna News - https://tinyurl.com/u52jfr66 Gari cria vassoura reciclável, vence alcoolismo e ganha milhares de fãs - Ecoa - https://tinyurl.com/5ctd8rsx Brasil passa a fazer parte do Protocolo de Nagoia sobre biodiversidade - Canal Rural - https://tinyurl.com/2h5f939n ► Canal do Giorggio Abrantes: https://www.youtube.com/c/GiorggioAbrantesDivulga%C3%A7%C3%A3o/videos ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://tinyurl.com/boletimeco ► SIGA NOSSAS REDES SOCIAIS Instagram - https://bit.ly/InstaEcoNaturae Facebook - https://bit.ly/FBEcoNaturae LinkedIn - https://bit.ly/LInEcoNaturae ► E-MAIL PARA CONTATO: naturae.eco@gmail.com

Essa é a série Giro da Semana onde comentamos sobre algumas notícias que foram relevantes ao longo da semana. Essa relevância é não só pelo seu destaque em meio a outras notícias, mas também por serem temas importantes dentro da área ambiental. ► Notícias dessa semana: Café é alternativa sustentável contra avanço da pecuária na Amazônia. - ECOA - https://tinyurl.com/y4t8xqbm Governo libera o registro de 51 agrotóxicos genéricos e 5 inéditos para uso dos agricultores - G1 - https://tinyurl.com/y2qxe6kw Has coronavirus made us more ethical consumers? - BBC Consumer - https://tinyurl.com/yxc9rf23 ► Inscreva-se para receber nosso Boletim Informativo direto em seu e-mail - https://tinyurl.com/boletimeco ► SIGA NOSSAS REDES SOCIAIS Instagram - https://bit.ly/InstaEcoNaturae Facebook - https://bit.ly/FBEcoNaturae LinkedIn - https://bit.ly/LInEcoNaturae ► E-MAIL PARA CONTATO: naturae.eco@gmail.com Imagem de capa: https://tinyurl.com/y4t8xqbm

  O Bom, o Mau e o Feio    Ficha técnica Hosts: Leticia Dáquer e Thiago Corrêa Edição: Leticia Dáquer Capa: Leticia Dáquer Data da gravação: 26/10/2020 Data da publicação: 28/10/2020   Coisas mencionadas no episódio Alfabeto Ogham   Podcasts da Podosfera Antifascista recomendados no episódio Episódio do Chutando a Escada com a Gabriela Lotta Episódio do Lado Black sobre podcasts exclusivos do Spotify   O Bom: Leticia: Robôs de ultravioleta são a nova arma contra o coronavírus (El País, 13/10/2020) Thiago: A incrível descoberta de centenas de milhões de árvores no deserto do Saara (G1, 21/10/2020) Reservas querem proteger o mar da destruição causada por gaiolas de salmão (Ecoa, 24/10/2020)   O Mau: Leticia: Deepfake bots on Telegram make the work of creating fake nudes dangerously easy (The Verge, 20/10/2020) l coronavirus si infiltra anche nelle fognature: in Italia il rischio contaminazione è altissimo (Il Fatto Quotidiano, 22/10/2020) Thiago: Mãe encontra currículo da filha usado como etiqueta em loja do interior de SP (IstoÉ, 06/10/2020) Drug-resistant superbug thriving in hospitals hit hard by COVID-19 (National Geographic, 23/10/2020) O Feio: Leticia:  Tribunal belga condena mulher de 89 anos por assassinato de amiga de 93 (UOL, 09/10/2020) Telangana: Upset over Trump contracting Covid, his ardent fan dies of cardiac arrest (Indian Express, 12/10/2020) There's Drama in the Queer Penguin Community (The Cut, 22/10/2020) Thiago:  Os alfabetos à beira da extinção (BBC Brasil, 03/10/2020) ‘Unbelievable Phenomenon': Coronavirus Pandemic Causing Plastic Surgery Boom (CBS Philly, 21/08/2020) Parceria com Veste Esquerda: Agora tem camiseta do Pistolando direto no site da Veste Esquerda! Mas o código de desconto PISTOLA10 dá 10% de desconto na sua compra da nossa e de outras camisetas maneiríssimas esquerdopatas!   Parceria com Editora Boitempo: compre livros por esse link aqui pra gente ganhar uns trocados de comissão :)   Esse podcast é produzido pelo Estopim Podcasts. Precisa de ajuda pra fazer o seu podcast? Chega mais, que a gente te ajuda.   #MULHERESPODCASTERS Mulheres Podcasters é uma ação de iniciativa do Programa Ponto G, desenvolvida para divulgar o trabalho de mulheres na mídia podcast e mostrar para todo ouvinte que sempre existiram mulheres na comunidade de podcasts Brasil. O Pistolando apoia essa iniciativa.  Apoie você também: compartilhe este programa com a hashtag #mulherespodcasters e nos ajude a promover a igualdade de gênero dentro da podosfera. Links do Pistolando www.pistolando.com contato@pistolando.com Twitter: @PistolandoPod Instagram: @PistolandoPod APOIE O PISTOLANDO   Descrição da capa: Foto que ilustra a matéria do indiano que venera o Trump e morreu de piripaque quando soube que Trump testou positivo pro coronavírus. A foto mostra uma estátua que só alguém muito apaixonado acharia que parece com o Trump, e o idolatrador do Trump jogando com uma caneca algum líquido (parece leite) sobre a estátua, que está enfeitada com colares, flores e coisa e tal. O homem está usando uma camiseta azul-royal com alguma estampa branca na frente que não dá pra ler, mas deve ser TRUMP. No fundo da imagem dá pra ver o portão da casa, a casa branca do outro lado da rua, um pedaço do teto dessa espécie de terraço onde o cara está idolatrando a estátua, enfeites pendurados na borda. Acima da foto, em fundo branco, em letras pretas sem serifa, o número e o título do episódio. Logo à esquerda, a logo do Pistolando, também preta. Na parte inferior esquerda da foto, a logo do Estopim também em preto.

In today's Daily Download episode, HousingWire discusses a motion filed by Townstone Financial to dismiss a lawsuit the Consumer Financial Protection Bureau filed against the company in July.For some background on the story, here's a summary of the article:On Monday, Townstone Financial Inc., a Chicago-based nonbank retail mortgage lender, filed a motion to dismiss a lawsuit the Consumer Financial Protection Bureau filed against the company in July.The July 15 complaint alleged that Townstone violated the Equal Credit Opportunity Act (ECOA) and Regulation B by engaging in discriminatory mortgage-lending practices and that those violations also constituted violations of the Consumer Financial Protection Act.Townstone moved to dismiss the lawsuit based on expressive action that the CFPB attempted to expand the reach of the ECOA to “prospective applicants,” which the company said is not regulated under ECOA.The CFPB's suit alleges that, from 2014 through 2017, Townstone engaged in practices that illegally discouraged prospective African-American applicants from applying to Townstone for mortgage loans as well as practices that discouraged prospective applicants living in African-American neighborhoods in the Chicago MSA from applying to Townstone for mortgage loans.Following the main story, HousingWire also covers a report from the Mortgage Bankers Association that indicates the U.S. forbearance rate fell slightly to 5.9% last week and an announcement from First American that it has agreed to acquire sub-servicer ServiceMac.The Daily Download examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Townstone Financial files motion to dismiss CFPB redlining lawsuitMortgage forbearances down 2 basis points to 5.9%, led by Fannie and FreddieFirst American to acquire subservicer ServiceMac

"Por isso, igual a muitas mulheres antes e depois de mim, passei minha vida como uma criatura disfarçada" - Mulheres que correm com os lobos. Depois de séculos e de geraçoes de opressão, com muito esforço e com muita luta, hoje mais e mais mulheres estão se posicionando e se fazendo ouvir. No episódio de hoje as nossas hosts @astridlacerda e @julietamorais conversam com @laishorta_ sobre a importância de fazermos a nossa voz ecoar.

Venha conhecer super-heróis reais em Corpo Fechado, acompanhar os mutantes na telona em X-Men - O Filme, passar um tempo em uma ilha deserta com o Náufrago e se deprimir em Réquiem Para um Sonho e entrar nas arenas romanas com o Gladiador. O post MT 09 – O que fazemos em vida ecoa na eternidade | 2000 apareceu primeiro em Salada Cult.