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In a recent episode of the award-winning Consumer Finance Monitor podcast, Alan Kaplinsky was joined by Nick Bourke, Kate Griffin, and Ballard Spahr partner Joseph Schuster to discuss a groundbreaking new report from the Aspen Institute Financial Security Program: United We Stand: A National Strategy to Prevent Scams. The episode builds on Nick and Kate's prior appearance on the podcast last July, when the report was still in development. Now finalized, the report offers one of the most comprehensive frameworks to date for addressing what has become a systemic threat to American households and the broader financial system. The Scope of the Problem: A Systemic Threat Frauds and scams are no longer isolated consumer protection issues. According to the report, U.S. households are losing an estimated $196 billion annually to scams — roughly $1 billion every couple of days. One in five American adults reports having lost money to an online scam. As Nick Bourke explained, today's scams are: · Technology-enabled · Highly organized and industrialized · Often operated by transnational criminal organizations · Accelerating due to AI and faster payment systems The so-called scam "lifecycle" includes four stages: 1. Lead – Hooking the victim 2. Deceive – Building trust (often through impersonation or relationship-building) 3. Bleed – Extracting funds 4. Clean – Laundering proceeds, often through cryptocurrency or offshore channels Different sectors see only fragments of this lifecycle; social media platforms may see the "lead," financial institutions the "bleed," and law enforcement the "clean." That fragmentation allows criminals to scale operations while defenders remain siloed. Why Scams Are Rising Despite Heavy Investment As Kate Griffin noted, industry and government are investing heavily in prevention. Yet scams continue to grow. Why? · Fragmentation across sectors: No single actor sees the entire attack sequence. · Outdated reporting infrastructure: Federal systems at agencies like the FBI and FTC remain manual and technologically antiquated. · Regulatory uncertainty: Financial institutions and technology platforms face unclear expectations about what data they can use and share. · Speed of modern payments: Faster money movement means faster losses. Joseph Schuster emphasized that many financial institutions are strongly incentivized to prevent fraud as they often bear reputational and financial risk when scams succeed. But legal ambiguity, especially under statutes like the Fair Credit Reporting Act, can chill data-sharing and innovation. Core Recommendations from the Aspen Report The report outlines both high-level national reforms and granular operational improvements with more than 180 specific ideas. 1. Elevate Scam Prevention to a National Priority The report calls for: · A designated federal lead (or "czar") to coordinate strategy · A whole-of-government approach · Clear national goals and metrics Without centralized leadership, enforcement and regulatory actions remain fragmented. 2. Modernize Law Enforcement Reporting Systems Federal reporting portals, including Suspicious Activity Reports (SARs), the FBI's complaint systems, and the FTC's databases, require modernization. The report recommends: · Streamlined, automated reporting · Backend data interoperability across agencies · Advanced analytics and AI tools for enforcement 3. Establish Clear Duties to Act Paired with Safe Harbors One of the most important themes discussed was the need for: · Clear expectations for banks, telecom companies, and digital platforms · Safe harbors that protect companies when sharing scam intelligence in good faith Countries like Australia have already codified such frameworks. The U.S. has yet to establish similarly coordinated standards. 4. Build a Cross-Sector Information-Sharing Ecosystem Effective scam prevention requires: · Exchange of scam indicators (malicious URLs, compromised phone numbers, device patterns) · Interoperable information-sharing platforms · Privacy-preserving architecture · Legal clarity to mitigate antitrust and consumer reporting concerns Joseph noted that industry appetite for collaboration is strong but clarity and guardrails are essential. 5. Consider a U.S. National Anti-Scam Center The report explores the idea of a centralized "front door", potentially something like stopscams.gov, that would: · Serve as a national reporting hub · Provide victim resources · Facilitate coordination among law enforcement · Support public education campaigns Social Media and Platform Responsibility The discussion also addressed the evolving role of digital platforms. Scam activity frequently originates through: · Paid advertisements · Dating applications · Direct messaging · Fake investment websites Compared to banks, social media companies operate within a less clearly defined regulatory structure. Courts are increasingly developing theories of "platform liability," but statutory clarity is lacking. The report urges policymakers to define reasonable expectations for platforms — paired with safe harbors and practical tools that empower prevention rather than merely assign blame. What Happens Next? The key question: who implements this strategy? Kate Griffin emphasized that this is a whole-of-society problem requiring coordinated action by: · Federal leadership · Congress · Financial institutions · Telecom and digital platforms · Law enforcement · Civil society There have been encouraging developments, including: · Treasury and State Department sanctions targeting transnational scam networks · A joint DOJ–FBI–Secret Service initiative targeting Southeast Asian scam operations o But much more remains to be done. Nick Bourke suggested that, one year from now, real success would include: · A designated federal anti-scam lead · A congressional commission · Measurable national prevention goals · Corporate adoption of formalized anti-scam strategies Joseph Schuster added that industry innovation is ongoing, particularly in artificial intelligence, biometrics, and authentication, but warned that fragmented state-level regulation could complicate progress. Key Takeaways Alan Kaplinsky closed the episode with several important observations: · Fraud and scams are now a systemic threat, not a niche compliance issue. · Prevention, not just reimbursement, must be the organizing principle. · Coordination matters as much as authority. · Good-faith companies need regulatory clarity, not just enforcement pressure. · Reducing scams strengthens trust in the U.S. financial system and digital economy. The Aspen report reframes the debate. Rather than assigning blame, it calls for aligned incentives, shared responsibility, and coordinated national action. If the title of the report, United We Stand, becomes reality, the United States may finally begin to bend the curve on one of the most costly and fast-growing threats facing consumers today. For more insights on consumer financial services developments, visit Ballard Spahr's Consumer Finance Monitor blog and explore the full Aspen Institute report here. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.
In this podcast, Pastor Justin delivers a message on how we must get and stay in unity in order to see breakthrough and victory.Support the show
The passage we'll be studying today, Eph 4:1-6. This passage marks a transition in Paul's letter from doctrine to practical application, urging believers to “walk in a manner worthy” of their calling by maintaining unity. Paul calls for humility, gentleness, patience, bearing with one another and love to preserve the unity of the Spirit. And this unity is grounded in seven “ones” which we'll talk about and more. Thanks for listening. God bless you! And a happy and blessed Christmas to you and yours! To find out more about our church please go to www.whccnb.org.
Andy Mitten speaks to footballers, journalists, Manchester United and West Ham fans on an away day at West Ham.
Mita was feeling continental and wanted "...options for romantic interracial-black cinema." Chat GPT suggested Mira Nair's "Misssissippi Masala" for the next movie review. RIchard Linklater is mentioned more often than usual.
Send us a textQuestions from a listener:- A common argument I'm seeing in the online debate over ICE and its handling of immigrants is “What would Jesus do?” We are taught at a young age to ask this question but does it apply in scenarios that are not explicitly addressed in the Bible? Is it right for us to assume what Jesus would do considering how frequently he surprised his own disciples? Especially for the sake of an argument. - It seems like the Bible is being injected into more and more political debates, which on the surface seems like a positive to me because of the exposure of the topics to broad audiences. However, it appears that non Christians and anti Christians are selecting scripture without any context and possibly without any true understanding of the verses to support their political beliefs. I feel like this underscores the importance of building your bible knowledge and equipping each other to engage in apologetics. Not necessarily to change the minds of those you are debating, but to effectively capture the mass audience of non believers or new believers that are on the side lines of social media and scrolling by. Should we, or should we not, as Christians, engage in online debates? - Self proclaimed Christians are sowing division amongst themselves currently because of disagreements over topics such as handling of illegal immigrants, feeding/caring for the poor through government programs versus individual generosity, and challenging state and federal authority you disagree with. These are hot topics, not just because the news says so, but because it gives the devil a foothold in the spiritual war. Should we agree to disagree and move on, fight to the death, or meet somewhere in between? These are great questions! Let us know what you think about our discussion on these topics.www.LeagueOfLogic.com
Protests, goals and another win.
Prepare for one of the most powerful and emotional installments in the history of the 3-time award-winning podcast, Devon & The Duke. This week, WWE Hall of Famer Devon Dudley and Duke Loves Rasslin take a somber yet defiant look back at the 9/13/2001 episode of SmackDown—the first major live event in America following the tragic events of September 11th.From the terror of the day it happened to the incredible show of unity that followed, Devon opens up like never before about a week that changed his life, the wrestling business, and the world forever.Inside This Historic Episode:9/11: Where was Devon? Devon shares the harrowing story of being on the road in Houston with Bubba Ray Dudley and The Rock when the news broke that the towers had been hit.A City in Shock: The eerie atmosphere in Houston as the three legends ventured out for a meal in a country that had suddenly stood still.The Weight of SmackDown: What it felt like backstage on 9/13/2001, knowing WWE was under serious threat but choosing to be the first major organization to show the world that we would move forward.Lillian Garcia's Anthem: Devon reflects on the chilling, heart-wrenching moment Lillian Garcia sang the National Anthem and how it touched every soul in the building.The Sermon of Unity: Devon revisits his "Unite the Country" promo and explains why discussing these moments still gives him chills and brings him to tears today.A Heartfelt Tradition: Devon discusses his annual tradition of calling Zelina Vega (whom he still affectionately calls Rosita) to honor her father, who was tragically lost in the Twin Towers.The Modern Day Heat: Shifting to the present, the duo addresses the shocking allegations regarding Tony Khan's alleged burner accounts on X and the trash-talk directed at Duke himself!This episode is a rollercoaster of laughs, tears, and essential wrestling history. It is a testament to the resilience of the human spirit and an absolute must-listen for every fan.#DevonAndTheDuke #WWE #SmackDown #NeverForget #911Memorial #DevonDudley #ZelinaVega #ProWrestling #Podcast #UnitedWeStand #TonyKhan #WrestlingHistory #USA #Testify** Shop better hydration today. Visit LiquidIV.Com & use the promo code DukeLovesRasslin to save on your next order! ****All views expressed are that of those expressing them. Pull Up Your Skinny Jeans if you don't like it! **
It's This Week in Bourbon for January 30th 2026. Sotheby's has set a record for the most valuable bourbon ever sold at auction, Kentucky Bourbon Country Auction has announced a historic collaborative lot titled “United We Stand”, and Brothers Andy and Charlie Nelson have reclaimed and are relaunching their Belle Meade whiskey.Show Notes: Bardstown Bourbon Company unveils packaging redesign for core portfolio and new wheated single barrel option Uncle Nearest founders file emergency motion to end receivership amid plummeting sales and market value Sotheby's sets $2.5M record for most valuable American whiskey collection ever sold at auction Off Hours Bourbon named "Official Partner of the Detroit Pistons" in multi-year sports collaboration Pursuit Spirits and partners announce "United We Stand" collaborative barrel auction for veteran charity Old Forester's 156-year legacy celebrated in new "Whiskeyland" documentary by the Balas Brothers Maker's Mark Cask Strength receives premium bottle redesign and debut age statement Garrison Brothers to release first-ever Bottled in Bond Texas Bourbon on Texas Independence Day Nelson brothers reclaim Belle Meade brand for independent regional relaunch in Tennessee Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode Greg sits down with UFL insider James Larsen of Pro Football Newsroom, and Gridiron Japan host emeritus, Zach Keilman of the UFL Podcast to talk about the state of the UFL and alternative football in the world today.Gridiron Japan livestreams over at Gridiron Japan Television on YouTube at www.gridironjapantv.net, on Facebook at www.facebook.com/GridironJapan.jp, and on X at Gridiron Japan.
From the away end at the Emirates. Speaking to Reds and clued up Arsenal fans before, during and after the historic win. Enjoy!
Andy Mitten, football journalist and founder of United We Stand fanzine and podcast, on the appointment of Michael Carrick as interim Manchester United head coach.
Club statement utfärdat, och det ger oss det vi alla trodde skulle ske tidigare. Amorim är inte längre kvar som tränare för Manchester United. Vad tycker vi om detta? Rätt eller fel? eller kanske båda? Var det rätt att göra det nu och vad kan komma efter det här? Lyssna gärna, tack och varsågoda! United We Stand.
Andy Mitten speaks to interesting Reds around Old Trafford for the Wolves game. Learn a new Language and get up to 60% off your subscription at Babbel.com/ UNITED
The room was crowded, the mics weren't perfect, and the mission couldn't be clearer: get Australia's hunting voices into one place and push back on rushed, headline‑driven laws with unity, evidence, and heart. Cody's seed turned into a national roundtable featuring hosts from Wild Origins, Get Outdoors With Drew and Cam, Women Who Hunt, Hunting Connection, In The Dark and Bullet Points, Australian Hunting Backcountry, Nature's Perks, Hunting Republic, and the Australian Hunting Podcast. What followed was a frank, sometimes raw, always focused conversation about protecting a lawful lifestyle that feeds families, fuels regional economies, and keeps ferals in check. We unpack what “four guns” really means for humane shots, competition disciplines, family setups, and the ethics that guide calibre choice. We challenge the proposal to strip appeal rights, knowing due process isn't a luxury in a democracy. We talk national registry pros and cons without ignoring data‑leak scars, and we explain why registering barrels and stocks would swamp understaffed branches for no safety gain. The group calls out media myths and belt‑fed fantasies, then gets practical: short, respectful emails to MPs; signing both NSW petitions; and supporting each other without ego or infighting. Industry voices outline the real cost to retailers, importers, guides, and country towns, while long‑timers share lessons from 1996 and why the public mood feels different today. This is not a culture war monologue; it's a plan built on unity and calm persistence. We ask listeners to act locally, communicate clearly, and check on their mates. If you care about hunting, target shooting, conservation, or simply fair process, this conversation gives you the words and the steps to make a difference right now. If this resonated, share it with a mate, sign the petitions, and send your email today. Subscribe for follow‑ups and wins, and leave a review so more Aussies can find this conversation.
Andy Mitten went to Molineux and spoke to people.
In this episode of What's at Stake, Penta partner Bryan DeAngelis and managing director Stephanie Walstrom dive into one of the fastest-growing threats to U.S. economic and national security: fraud and scams. They're joined by Kate Griffin and Erin Borġ of the Aspen Institute's Financial Security Program, co-authors of United We Stand: A National Strategy to Prevent Scams and leaders of the National Task Force on Fraud and Scam Prevention. Kate and Erin unpack Aspen's development of a coordinated, whole-of-ecosystem approach to combating scams, bringing together government agencies, law enforcement, industry, and civil society actors. They walk through the report's major recommendations, from building stronger interagency mechanisms to modernizing data sharing and strengthening private-sector accountability. Together, they explore why scams must now be understood as a national security issue, how early federal responses (like DOJ's new Strike Force on Cryptocurrency Scams) signal growing momentum, and what meaningful progress looks like in both the near and long term. They also discuss how a more integrated national strategy could ultimately reshape the everyday experience of consumers navigating an increasingly complex digital and financial landscape. You can read the United We Stand report here: https://fraudtaskforce.aspeninstitute.org/nationalstrategy
Andy Mitten goes round the ground with reds. Enjoy.
YouVersion:https://www.bible.com/events/49526662
The podcast excerpt features a preacher delivering a sermon titled "Church on Fire," which emphasizes the belief that a "redhot Firebaptized Church" is essential for addressing societal problems and ensuring the nation's spiritual and temporal success. The speaker addresses criticism for wearing an American flag while preaching, explaining it as a prophetic symbol that the nation's future will be carried by faithful people, not wicked politicians. He contends that America's blessing stems from its founders dedicating the nation to God and argues that the church must embody fire and boldness to combat what he views as anti-Christian agendas and political deception. Furthermore, the speaker condemns "watered down" Christianity that focuses on feelings and worldly acceptance rather than the empowering "fire of the Holy Ghost," warning against dependence on government assistance and urging followers to prioritize the unadulterated gospel.
Andy Mitten speak to former players, journalists and fans.
James Young with Reds in Nottingham, including Jesper Blomqvist.
In today's episode I share some of my recent Wonders and Ponders regarding what it really means to be United, and how we came up with that name for our country. I also explore the original meanings of democracy, republic, and the motto "United We Stand, Divided We Fall." Join me as I wonder how our country has gotten where we are and whether this is what our founders intended for us. I mention the Enlightened Leadership Lab which meets virtually on Mondays from 4-5 central (more info at www.emergentculturelabs/leadershiplab and also our Conscious Business meeting November 4 in Fargo: https://www.eventbrite.com/e/conscious-businesses-of-fargo-meetup-tickets-1873031430429?aff=ebdssbdestsearch
the speaker addresses a congregation and a wider audience as part of a series called "United We Stand." The preacher blends religious instruction with political commentary, emphasizing the need for Christian unity and righteousness to exalt the nation, citing biblical passages from Proverbs, Psalms, and Matthew. The sermon calls the church to action as the "Joshua of our generation," urging them to obey God's commands to receive His promises and defeat spiritual and societal giants, including the "demonizing of the biblical family" and the "feminizing of the church." Ultimately, the speaker prophesies a revival for America carried on the backs of anointed believers, declaring that the nation will not be divided or controlled by wicked forces.
With the UWS lads after a third consecutive win.
Back on this day in 2001, the "United We Stand" benefit concert for 9/11 victims took place. It was at RFK Stadium. KTAR Timeline is brought to you by Beatitudes Campus.
A short podcast from the away end at Anfield.
Pastor KJay's message, “United We Stand,” reminded us that Heaven moves when God's people come together — not by our own plans, but under His purpose.
Episode Title: United We Stand*The Purposefully Fit Podcast is designed to inspire, motivate, and encourage you to pursue YOUR God-given passion purposefully.Visit Coach NikE's Website: IAmNikE.com
Send us a textIn today's world, couples are facing more pressure than ever—financial hardships, job loss, political tension, and racial division threaten to pull families apart. But as believers, we are called to rise above the noise and build marriages that stand strong on Christ, not culture.In this episode of Marriage Mondays with The Kings, we're diving deep into how husbands and wives can: ✨ Stay united when the world feels divided. ✨ Overcome financial stress and job loss as a team. ✨ Protect their home atmosphere from negativity and outside influence. ✨ Strengthen family dynamics with prayer, intentional time, and biblical truth. ✨ Rekindle love and romance even in hard seasons.
Andy Mitten speaks to fans, players and journalists.
As we begin Season 7, we're diving into the power of unity. God's Word reminds us that a house divided cannot stand, but when we walk together in love and purpose, we reflect Christ and experience His strength. In this episode, we'll talk about what true unity looks like in the Body of Christ, in our homes, and in our relationships, and how we can overcome the divisions the enemy tries to sow. Discover why unity isn't optional for believers, but essential for victory.Enjoyed This Episode or Have Feedback? Send Us A Text!Support the showThe Praying Wifewww.theprayingwife.comFacebook | Instagram | Twitter | YoutubeEmail: support@theprayingwife.com
Twenty-four years after 9/11, America seems more divided than ever. Where did the "United We Stand" spirit go? In this episode of The P.A.S. Report Podcast, Professor Nick Giordano uncovers the forces driving America's cultural divide, a trend rooted in oikophobia where politicians and educators to media elites exhibit a disdain for their nation and our culture. He reveals the real-world consequences of this destructive trend and explains why embracing a new form of patriotism is the key to preserving our liberty. You'll hear about specific examples of this cultural self-destruction, from college campuses to Congress, and discover why reclaiming our identity is essential for America's survival. Episode Highlights How America's post-9/11 unity turned into today's deep political and cultural divisions. The real-world examples of how leaders and institutions are undermining American values. Why reclaiming patriotism and nationalism is the antidote to cultural self-destruction
Andy Mitten is in West London with fans, journalists and comedians.
Around Old Trafford with fans and journalists. (18)
The news keeps getting worse: over 250 million acres of our public lands potentially up for sale and 3 million or more likely carved out. While this has been a goal, and a dream, of many radical politicians for the past fifty years, until now it has only been whispered, dog-whistled, lied about, and obscured. Now, their plan is out in the open. The line is drawn in the sand. The gauntlet has been thrown down. The land grabbers have made their play. How will we respond? How do we, the Americans who know and love and depend upon these lands, stop this utterly shameless theft of our national assets? MeatEater Director of Conservation and Backcountry Hunters & Anglers North American Board Chair Ryan Callaghan joins Hal as they discuss what is happening, what's at stake, and how we – all of us American patriots together -- are going to stop this vandalism and theft of the treasures of our nation. Listen. Learn. Then Take Action. And Fuel the Fight with our United We Stand for Public Lands campaign This episode is a special Dual Release with MeatEater for Cal's Week In Review. The Podcast & Blast with Hal Herring is brought you by Backcountry Hunters & Anglers and presented by Silencer Central, with additional support from Decked, Dometic, and Filson. Join Backcountry Hunters & Anglers, the voice for your wild public lands, waters, and wildlife to be part of a passionate community of hunter-angler-conservationists. BHA. THE VOICE FOR OUR WILD PUBLIC LANDS, WATERS AND WILDLIFE. Follow us: Web: https://www.backcountryhunters.org Instagram: @backcountryhunters Facebook: @backcountryhunters