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Wednesday, January 08, 2025

In a letter to Attorney General Merrick Garland sent Monday, Trump's lawyers said they were allowed to review Smith's report in the criminal case in which Trump was charged with conspiring to keep classified documents after he left office. read more


Federal Reserve officials at their December meeting expressed concern about inflation and the impact that President-elect Donald Trump's policies could have ... read more


Today, the Consumer Financial Protection Bureau (CFPB) finalized a rule that will remove an estimated $49 billion in medical bills from the credit reports of about 15 million Americans. The CFPB's action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. The rule will increase privacy protections and prevent debt collectors from using the credit reporting system to coerce people to pay bills they don't owe. The CFPB has found that medical debts provide little predictive value to lenders about borrowers' ability to repay other debts, and consumers frequently report receiving inaccurate bills or being asked to pay bills that should have been covered by insurance or financial assistance programs. read more


President-elect Donald Trump announced his plans to change the name of the "Gulf of Mexico" to the "Gulf of America" during an elliptical and stream-of-consciousness press conference Tuesday morning at Mar-a-Lago. read more


Tuesday, January 07, 2025

President Joe Biden on Tuesday will travel to California to designate a pair of new national monuments, safeguarding nearly 850,000 acres of ecologically and culturally significant land in the Golden State from new drilling, mining and other development.


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More: The CFPB's new rule amends Regulation V, which implements the Fair Credit Reporting Act (FCRA), to end this exception and establish guardrails for credit reporting companies, prohibiting them from including medical bills on credit reports sent to lenders, who are banned from considering them. The final rule:

Prohibits lenders from considering medical information: The rule ends the special regulatory carveout that previously allowed creditors to use certain medical information in making lending decisions. This means lenders will also be barred from using information about medical devices, such as prosthetic limbs, that could be used to require that the devices serve as collateral for a loan for the purposes of repossession.
Bans medical bills on credit reports: The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses.

Today's rule advances the CFPB's work to protect consumers from harms from medical debt and coercive debt collection practices. In October, the CFPB issued guidance clarifying that debt collectors violate federal law when they collect on inaccurate or legally invalid medical debts. Previously, the CFPB published in 2022 a report describing the extensive and debilitating effects of medical debt along with a bulletin on the No Surprises Act to remind credit reporting companies and debt collectors of their legal responsibilities under that legislation.

The rule will be effective 60 days after publication in the Federal Register.

More: Most headlines I'd seen in the news report only that he warned of national decline and bore "no ill will toward Mr. Trump," in the words of one of the investigators. That gloss on Donald Trump is, shall we say, a bit of an understatement, as you can see in these excerpts.

Military and vets move on DC starting now. Militias facilitate and augment this activity.
Occupy every major road along fed buildings and the campus of fed buildings by the hundreds of thousands.
Lock the highways around down with semis right after everybody gets in. Hold until the purge is complete.
Try peaceful means first, but be prepared to fight to get the Dems out of the fed government and military by any means necessary. They all must go and a hard reset must occur for our country to avoid collapse.

We must end the war in Ukraine with negotiated settlement. It is the only way.
Focus on strength and winning. Masculinity is good and men must be leaders. Strength is a deterrent and fear is the product.

Stop obsessing over diversity. We are all diverse and DEI is a cancer.
Thankfully we rejected the DEI candidate and will have a real President instead of Weekend at Bernie's.

Consider this last sunset of 24 and my actions the end of our sickness and a new chapter of health for our people. Rally around the Trump, Musk, Kennedy, and ride this wave to the highest hegemony for all Americans! We are second to no one.

I encourage you to read the two minifestos all the way through. They're not long. I excerpted at least half above. You can find them here.

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