Payday lenders reportedly seek to infiltrate the CFPB

Payday lenders reportedly seek to infiltrate the CFPB Payday lenders reportedly seek to infiltrate the CFPB Payday lenders reportedly seek to infiltrate the CFPBInside Subprime: March 9, 2018By Alex HuntsbergerThe Consumer Financial Protection Bureau (CFPB) was created to, well, protect consumers, from predatory business practices, particularly financial ones. That’s  the past five months have been worrying, as  the CFPB increasingly moves from protecting consumers to protecting the very companies that prey on them.It all started when the CFPB’s original director, Richard Cordray, stepped down from his post early in order to run for governor in Ohio. In his place, President Trump appointed Mick Mulvaney as acting-director, though not before a fair amount of tussling between Mulvaney and Cordray’s self-appointed successor Leandra English.An avowed enemy of government regulation, Mulvaney has taken several steps to alter â€" or as some might see it, to obstruct â€" the CFPB’s core mission of protecting consumers from harmful financial actors.For example, Mulvaney requested a grand to tal of zero dollars in operating funds for the first quarter of 2018; he dropped a lawsuit against an online loan shark that charged customers interest rates as high as 950 percent; and he has announced that the bureau is “reconsidering” its landmark rule designed to burn predatory payday lending.It comes as no surprise that the payday lending industry sees Mulvaney as sympathetic to its cause. What might be a little more surprising, however, is just how bold some members of the industry have been in their entreaties.For example, the Associated Press recently reported that the CEO of a payday lender that was then under investigation by the bureau cold-emailed Mulvaney in January in an attempt to apply for the position of CFPB director.Prior to Mulvaney taking over the bureau, an investigation had been opened into the business practices of World Acceptance, a prominent payday lender based in South Carolina. On January 22nd, the company announced that the  investigation  had been closed without any further action by the CFPB. However, the company also announced that CEO Janet Matricciani would be stepping down.Thanks to a Freedom of Information request by the AP, it has now been learned that Matricciani emailed Mulvaney on January 20th, two days before that announcement, asking that she be considered for the role of CFPB director.“I would love to apply for the position of director of the CFPB. Who better than me understand the need to treat consumers respectfully and honestly, and the equal need to offer credit to lower income consumers in order to help them manage their daily lives?” she wrote, attaching her resume and even citing the current CFPB investigation as evidence of her relevant experience.For what it’s worth, a senior advisor to the Mulvaney told the Associated Press that “Matricciani is not being considered for any jobs at the CFPB.” However, it should also be noted Worldwide Acceptance contributed thousands of dollars to Mulvaney whil e he served in Congress as a representative from South Carolina, prior to his joining the Trump administration.The Trump administration has yet to nominate a permanent replacement for Cordray. But at this rate, they might as well nominate this guy.Check out these related pages and articles from OppLoans:Payday Loans: The Most Dangerous Debt TrapHow Predatory Lenders Sell You on Bad Credit LoansVisit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIn

The Yellow Wallpaper, by Charlotte Perkins Gilman The...

The story, The Yellow Wallpaper, by Charlotte Perkins Gilman reflects societys attitude and treatment of mental health issues in the late 1800s. As the story begins, the narrator chronicles her mental health deterioration after the birth of her baby. Her writings reflect her husband’s attitude about her condition, which represents society’s ignorance of women’s medical issues. As the story progresses, the wallpaper itself becomes personified as a prison warden, who oppresses her freedom. As the narrator peels away the wallpaper, Gilman uses setting and imagery to draw readers into the narrator’s world of confusion, anxiety, and depression to share her experience with what we now know to be post-partum depression (PPD). A woman’s body is an incredible creation, designed by God to nurture and bring forth new life. The outward changes and evolution of pregnancy are obvious and amazing. The neurological and hormonal changes are invisible but no less significant. This story focuses on the invisible elements of child birth and points to how society has misunderstood and mislabeled PPD as a psychological disorder. By definition PPD is â€Å"moderate to severe depression in a woman after she has given birth† (Board 1). Throughout the story, the woman shows many signs of this psychological disorder, but due to the era she is living in, research has not been established that she is suffering from an actual medical condition. The reader starts to acquire clues such as the woman’s

Homelessness Poverty And Lack Of Permanent And Stable...

Homelessness is the situation where individuals lack safe and adequate housing resulting in sleeping in the streets, their cars, and family or friends homes or in shelters. According to the United States Department of Housing and Urban Development (HUD), a homeless person is an individual who does not a have a permanent residence place, but rather has a temporary nighttime residence which is not designed for the accommodation of human beings (National Health Care for the Homeless Council, n.d.) Such nighttime residences include abandoned buildings, camping grounds, car parks and bus stations among others. Other agencies define homelessness as a situation whereby an individual lacks the necessary resources or networks to obtain permanent residence. Although there are different ways in which people experience homelessness, all types of homelessness are characterized by poverty and lack of permanent and stable housing. Homelessness can be short-term, long-term or even chronic. Regardles s of the type of homelessness, the underlying intervention to end the issue of homelessness is to have measures or strategies that provide permanent and affordable housing to the homeless (National Alliance to End Homelessnes, 2015). The following essay is a proposal on how best to help the homeless in the community. The essay will begin with a brief analysis or statistics of the problem in the US. The essay will also outline the main reasons attributed to homelessness. State of homelessness inShow MoreRelatedIs Homelessness a Big Problem In America? Essay1097 Words   |  5 Pageshomeless.† Getting a paycheck every two weeks does not mean a person cannot become homeless. Many would think only drug abuse and being poor are the reasons for homeless. There are many other ways to become homeless and for some people it becomes permanent. Many people that are homeless are single with kind, had/have welfare and do not have much work experience. The children are so youth that they develop emotional and mental problems. Drug and alcohol abuse become greater once people become homelessRead MoreIssues and Adversities Faced by the Homeless Population in America1060 Words   |  4 Pagespopulation in the United States (U.S. Department of Housing and Urban Development, 2010), and approximately 1.5 million children—1 in 50 youngsters—are homeless each year in the United States† (p. 389). These homeless families often struggle to find permanent residency as a collective unit. There are several types of housing situations available for homeless families such as temporary housing, transitional housing settings, and shelters, yet the housing situation for homeless families often causes stressRead MoreHomelessness On The Rise Of Homelessness1353 Words   |  6 PagesHomelessness affects men, women, families, children, youth, and veterans. While structural factors, like the unequal distribution of income and lack of affordable housing, cause homelessness, certain vulnerabilities may determine who is at higher risk for homelessness. These include addictions, mental illness, domestic violence, medical conditions, and lack of education or job skills. This research paper will shed some light on the issue of homelessness and how we can prevents it with some suggestedRead MoreHomelessness : The Homeless Population Essay1703 Words   |  7 PagesHomelessness affects millions of people every year. Homelessness is an endle ss epidemic that continues to grow. There isn’t one specific causal factor to this every increasing population. Individuals experiencing homelessness come from various backgrounds and cultures physically, financially, and emotionally. They could be considered the melting pot for diversity. Often times individuals experiencing homeless are judged by their outer appearance with no regard for the contributing factors to theRead More How Many People are Homeless? Essay1591 Words   |  7 Pagesis misleading. In most cases, homelessness is a temporary circumstance -- not a permanent condition. A more appropriate measure of the magnitude of homelessness is therefore how many people experience homelessness, not how many people are homeless. Studies of homelessness are complicated by problems of definitions and methodology. This fact sheet describes definitions of homelessness, methodologies for counting homeless people, and recent estimates of homelessness. Additional resources for furtherRead MoreHelping The Homeless - Original Writing1672 Words   |  7 Pagespeople who don’t have a home (â€Å"Why Homeless?†). While there are ways to combat homelessness, a program called Housing First should be implemented in the Fairfax County area to address this issue and get homeless people into stable living conditions. Solving homelessness across America is an overwhelming task, but providing aid to the homeless in one specific area is something that can be done. This problem of homelessness may not disappear completely, but the number of homeless people can be reducedRead MoreThe National Alliance For End Homelessness Essay1331 Words   |  6 Pagesconditions, diseases, and lack of safety. There hasn’t been much progress on this issue, and if this continues, the number of homeless people will only increase. In a few states the topic is being named as a â€Å"statewide emergency†, but unfortunately this problem is national. Instead of focusing on state programs, local programs and non-profit organizations to fix the housing issue, we must all contribute to ending this epidemic. The National Alliance to End Homelessness (NAEH) released an articleRead MoreThe Effects Of Homelessness On The United States1218 Words   |  5 Pagesof homelessness with 983 documented homeless individual s according to a 2015 Modesto Bee study and sadly, the amount increases as surrounding areas begin to enforce strict laws. These laws criminalize and relocate homeless folk to our county. There are no exceptions to the cold reality of homelessness: men, women, children, military veterans, individuals, and families are included in the rising numbers of homelessness in Stanislaus County. According to the National Law Center on Homelessness andRead MoreAnnotated Outline Homelessness Essay1592 Words   |  7 Pageswhom are incapable of caring for them-selves. The fact is, that there are millions of homeless in America today. Many of these people had no choice but to become homeless. Economic problems such as being laid off work, or the rise in the cost of housing had lead people to live on the streets. Many of the homeless are women that have become divorced or have left home because of physical abuse. These women have no education because they have not been given the chance to go and get the education thatRead MoreHomelessness Is The Main Driving Force Behind The Rise Of Homelessness889 Words   |  4 PagesHomelessness affects an estimated 650,000 Americans in the United States daily and the number of people experiencing homelessness is continuing to rise across the United States and more specifically in Massachusetts. According to the 2014 Annual Homelessness Assessment, between 2013-2014 Massachusetts saw the fourth largest increase in homelessness in the United States and on any given night an estimated 3000 individual shelter beds are occupied (Basic Facts on, 2016). Furthermore, homelessness

Impact Of The Patient Protection And Affordable Care Act...

Impacts of the Patient Protection and Affordable Care Act on Public Health Services The Patient Protection Affordable Care Act (PPACA) has had many impacts on public health services under ten different titles addressing the health and welfare of Americans. There are two titles specifically under the health system reform that have lead to putting a greater focus on public health and prevention, while also focusing on building a stronger workforce and infrastructure. Through Title Four and Title Five of the PPACA, this paper will research the impacts they have had on public health services. Title IV. Prevention of Chronic Disease and Improving Public Health Prevention and wellness is a key focus in public health services. In Title Four of the PPACA, â€Å"prevention interventions are of two key types: services provided to individuals in clinical settings (e.g., cancer screenings), and programs and services provided to communities (e.g., ad campaigns about exercise)† (Redhead Williams, 2010, p. 30). Many programs have formed in the hope of creating a comprehensive approach to prevention. One very prevalent issue that has more than doubled since the 1980’s and is growing rapidly is diabetes. In fact, â€Å"diabetes prevalence is particularly high among people age sixty-five and older, and it doubled among Medicare beneficiaries between 1987 and 2008, rising from 11.3 percent to 22.6 percent† (Thorpe, 2012, p. 61). The ACA granted the Centers for Disease Control and PreventionShow MoreRelatedThe Impact Of The Patient Protection And Affordable Care Act On Public Health Services2883 Words   |  12 Pages The Impact of The Patient Protection and Affordable Care Act on Public Health Services HSAD 500 Brian M. 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(New York Time, October 26, 2014) The purpose of this paper is to provide a comprehensive overview of the Affordable Care Act, examine theRead MoreAffordable Care Act Impact On Healthcare Practice1020 Words   |  5 PagesAffordable Care Act Impact on Healthcare Practice If I were to assume the role of a political official, I would point out several of the benefits of the Patient Protection and Affordable Care Act (ACA) and try to convince public opinion that ultimately, it serves their best interests. The ACA impacts patient experiences by focusing more on optimal health outcomes while reducing costs and increasing quality. The ACA influences many components of the healthcare delivery system, some of which areRead MoreImproving The Patient Protection And Affordable Care Act 20101206 Words   |  5 Pages Introduction Healthcare is paramount to the life of an individual. Health systems, costs and outcomes play a vital role in the determination of whether a nation is striving towards maintaining and protecting its citizens. USA operates under the mixed market healthcare system whereby both the government and private sector play a role in the provision of health services. It is evident that the private sector plays a larger role than the government. The USA aims at attaining three forms of healthcareRead MoreImpact Of Health Care Reform On Quality866 Words   |  4 PagesThe Impact of Health Care Reform on Quality Health care quality has made vast improvements in the last several decades and continues to improve as a stronger emphasis has been placed in this sector with our current health care reform. Consumers now have access to quality report cards on providers and the health care systems that can easily be obtained over the internet. Shultz Young (2014) argue that providers of yesteryear purposely created mysteriousness in health care resulting in patientsRead MoreThe Patient Protection And Affordable Care Act858 Words   |  4 Pages Comprehensive Health Reform: The Patient Protection and Affordable Care act Ken Davis February 13, 2016 PADM 550 –BO2- LUO Dr. Tory Weaver Defining the Problem The Patient Protection and Affordable Care Act of 2010 (PPACA)is a highly complex and multifaceted policy in addition to being political controversial. Changes made to the law by subsequent legislation, focuses on provisions to expand coverage, control health care costs, and improve health care delivery system. Some changesRead MoreThe Health Care System Of The United States857 Words   |  4 Pagesintroduction of the Affordable Care Act â€Å"Obama Care† made the Health Care System in the United States better or worse? Please provide evidence, statistics, information, argument to support your answer. In your answer, please address the following issues in the Health Care System of the United States: 1. The Quality of health care 2. The Access to health care 3. The affordability of health care Affordable Health Care Act Affordable Health care has been an ongoing

Essay on Sex Trafficking And Human Trafficking Essay Example For Students

Essay on Sex Trafficking And Human Trafficking Essay According to Van Wormer Bartollas (2014), sex trafficking, â€Å"encompasses the organized movement of people, usually women, between countries and within countries for sex work† (p. 289). Sex trafficking is also a very lucrative business, it is estimated to make $31. 6 billion annually. This amount is estimated from the 2. 5 million people who a trafficked each year. The exact number of people who are victims of the sex industry cannot be predicted accurately for all over the world. In the United States alone there is about 14,500-17,500 people trafficked each year. Human trafficking it the third biggest organized crime after drug and arms trafficking (Hodge, 2014). Young men make up about 44% of people being trafficked, while women and girls make up about 56% of people who are trafficked. Children in the sex trafficking industry makes up about half of the victims of sex trafficking (Hepburn Simon, 2010). Sex trafficking victims do not just come from the United States. Sex trafficking is also known as domestic human trafficking in the United States, and people are trafficked into all 50 states. A large majority if the people in the United States, are trafficked from another country. These women and children are often brought from some of the poorest nations in the world. According to Dess (2013), â€Å"human trafficking is a â€Å"modern form of slavery† that poses significant risk to human rights, labor standards, public health, and commerce† (p. 3). The United States is the ultimate destination to bring people who will be trafficked, and the United States is the second largest country to receive human sex slaves. Adolescents and women are often the target of a large majority of sex crimes. Because of these abuses women could either bec. .ons for people who are caught trafficking others. The Uniform Act also gives victims a chance to start their lives over, instead of treating them as criminals due to their situation. This can be accomplished through various government and non-government organizations to help the victims. The Trafficking Victims Protection Act (TVPA) of 2000, brought the United States and the United Nations together to prevent, to punish traffickers, and to and how to protect victims of sex trafficking. This act also implements: anyone who is under the age of 18 in the sex industry, should be treated like a victim and not a criminal. States needs to also have laws that back of the federal government laws against trafficking, so that more people can be prosecuted for sex trafficking. This act continues to be updated by Congress, just about every year to help more victims (Hall, 2014).

Algernon and Jack Essay Example

Algernon and Jack Essay The Importance of Being Earnest By Oscar Wild was first performed on the 14th of February 1895, St Valentines Day. It is a play about love and romance in the upper classes, it is set in the present (1890s). It is drawing room comedy, otherwise known as comedy of manors. Oscar Wild is one of the worlds literary greats, he wrote this play shortly before he was imprisoned for gorse indecencies. This play is divided into 3 acts; I will be discussing and contrasting scenes one and two from the first act. It is a play about two idle young men, Algernon and Earnest (otherwise known as Jack), who in attempt to marry two very attractive young ladies pretend that there names are Earnest. In the first act the key relationships between Algernon and Jack are as friends who have not seen each other for a period off about a week. It is in the first scene that Algernon discovers that his friends name isnt earnest, its Jack. In the second scene Earnest proposes to Gwendolyn but gets refused by her mother and Algernon decides to go visit Jack in the country. We will write a custom essay sample on Algernon and Jack specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Algernon and Jack specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Algernon and Jack specifically for you FOR ONLY $16.38 $13.9/page Hire Writer I believe that too correctly portray the relationships between the two characters I need to show differences between; mood, tone, dress and personality. The first act, scene 1, opens with Algernon talking to his manservant in a very incoherent manor; I would portray Algernon as a man who is not very interested in anything but himself. Algernon is constantly talking in the first person always with emphasis on the word I this referring to himself, this gives the audience helpful insight into what really matters in life, him! Jack enters dressed in a smart but not ostentations attire, Algernon in contrast is dressed in an ostentatious suit with large cuffs and is eating. The men talk idly; Algernon is a dandy, he see only the pleasures in life and has no worries, I as Algernon would constantly smile, raise my eyebrows and lounge around on the couch or chair, crossing my legs and eating in a most informal manor. Jack is much more serious and formal, his clothes are a darker colour, he has come up too town to propose to her [Gwendolyn] this is making him nervous, but he is a complete gentlemen. He is easily manipulated by Algernon, the tone of his voice is slightly deeper then Algernons and I would portray his personality at this point as one who is board but as the same time is nervous. Jack confesses that his name isnt Earnest at all, its Jack, to Algernons amazement. At this time I, as Algernon, stand up horrified with looks of shock and stunned indignation upon my face and my tone would go up a note to signify surprise, I place my hand on my hips and stair at Jack up in arms that he did not tells this to me sooner. Lady Bracknell enters with Gwendolyn (Jacks bride to be) and I watch with pleasure as Jack squirms and blushes in front of Ms Fairfax (Gwendolyn) I leave the room to allow Jack to propose. Algernon is constantly trying to get one over on his naive friend but in contrast Jack (formally known as Earnest) has shown that in some ways such as; mood, tone and personality he is quite similar to Algernon and is not so naive and easily manipulated as one might think. Scene two, in mid proposal, on bended knee Lady Bracknell enters and is shocked at what she sees, I as Jack am even more shocked and suddenly start with absolute fright as the colour drains out of my face. Lady Bracknell begins to interview me as to my suitability to be married to her only daughter, I am extremely nervous, fiddling with my hand, running fingers through my hair and playing with my cuffs to show the audience just what an unpleasant situation it is. My voice is shaking. As the interview digresses I (Jack) starts to fell more comfortable with some of the questions, I starts to relax and gain more control over my emotions. Aunt Augusta then asks about my parentage (Jack is adopted) and I hurriedly confess that I have none, to her abhorrence lady Bracknell leaves and Jack is left looking stunned and shocked. Shakespeare wedding march can be heard coming from Algernons piano and he walks in very gay and debonair strutting and swinging his arms, he suddenly sees that his friend is very upset and his temperament changes to one of compassion, Gwendolyns always refusing people as if to tell Jack that he is not the only one. Jack confesses that it was Aunt Augusta that refused him, in contrast to the first scene Jack becomes less of a Gentleman and displays his anger by distributing Aunt Augusta, I as Jack have a very upset tone and am pacing, which is one of Algernons mannerisms. Gwendolyn enters and confesses her love to Jack, Jack is pleased and blushes, and he is once more his chivalrous self. Algernon confesses that his Aunt would not like this meeting taking place and is hurriedly told by Gwendolen to turn his back and give them privacy. I (Algernon) am not used to being told what to do especially in my own house, I pace over to the fireplace and start eavesdropping on there convocation in full view of the audience, I am trying to find Jacks address in the country and am behaving slightly sly about it. The scene ends with Jack rushing out on Algernon telling him that there meeting has not been a grate success, Jack is flushed, red in the face and peeved that is friend is acting so languidly about the whole situation. Jack leaves via stage right leaving Algernon and his manservant Lane occupying the stage. I look pleased and tell Lane to bring me some sherry, I am smiling, quite in contrast to Jacks last portrayal of his emotions, I stand up and confess in contrast to Jacks statement that the whole situation has been a great success and tell Lane, smiling and arrogantly, to fetch my suits as I am going to go visit Jack in the country and propose to his beautiful young ward whom I am in love with. I believe that as an actor the relationship between Jack and Algernon is not a complicated one. I as Algernon want to be married to Jacks excessively pretty young ward. Jack wants to be wed to my excessively pretty cousin, in this case are wants are similar. We both want to live happy, aimless lives with the woman we love. In my opium the only differences between Algernon and Earnest are there moods, personality, dress and tone; they both want the same things. As an actor I would portray this relationship kindly, in the first scene we are good friends and in slight contrast the second scene we are friends who have had a dispute but both know that we cannot stay exasperated at each other for ever and indeed in the final act, not to give the conclusion away, our relationship concludes, happily.

7 Excel Hacks That Will Make Your Life Easier

7 Excel Hacks That Will Make Your Life Easier A whopping 67% of middle-skill jobs require experience in Excel. Just because you hate numbers and the thought of spreadsheets make you nauseous doesn’t mean you can’t add this valuable skill to your resume with confidence. Here are a few tricks to make you an Excel wizard.  1. ChartsThese are not just for the know-it-all in grade school. Charts are a great way to make your data visual, and a great way to impress the bigwigs. Once you’ve entered your data, simply click Insert Chart  Chart Type   and you’re on your way.2. Conditional FormattingThe possibilities here are endless. Want to show off profit margins? Or efficiency? Simply click Home  Ã‚  Conditional Formatting  Ã‚  Add and make your magic. Low numbers (say those below 70%) or profits under 3% could be set to automatically highlight in red, while excellent numbers could be highlighted in green.3. Quick AnalysisHave a smaller data set? You can skip to the fancy chart and table stage by u sing this tool. Just highlight your data and click on the icon in the bottom right corner of your highlight field to open the Quick Analysis menu.4. AutofillWhy enter the same thing in every row when you can have Excel do it for you? Just type in the datum you need repeated, then click and drag the lower right-hand corner of the cell all the way down the column.5. Power ViewHave a larger data set? Power View can collate and make sense of your data for you, generating visual, interactive reports for you to present directly to the boss. Just click Insert  Ã‚  Reports and start exploring.6. Pivot TablesThey sound really fancy, but they’re super useful. You don’t have to write a single formula, but you can summarize all of your data into impressive and informative tables and lists. Just click Insert  Ã‚  PivotTable, select your data range, use the drop-down menu to select your fields, then make your table!7. VLOOKUPIf you’re working in a database with multiple s heets and tabs, VLOOKUP is a great way to bring them all together and pull coherent information from the entire data set. Under the Formula menu, select VLOOKUP and enter the cell that contains your reference, then the range of cells to pull from, the column number, and either â€Å"true† or â€Å"false.†These few tricks are handy for everyone, but will make you stand out among your colleagues- even if you’re â€Å"bad at numbers.†Once you have these done, step up your game and learn these 7 advanced Excel Tricks. It might even get you a raise or promotion.7 Excel Tricks Thatll Make Your Life a Lot Easier (Especially if Youre Not a Numbers Person)