IRVING, Texas (AP) — The NFL will consider expanding replay assist to include facemask penalties and other plays. Officials have missed several obvious facemask penalties this season, including two in a three-week span during Thursday night games. “When we see it, because I see it like yourselves and the fans, I have an opportunity to see it from a different angle and see it from a slow-mo,” NFL executive Troy Vincent said Wednesday at the league’s winter meetings. “When you think about the position of where the officials are, things are happening so fast. Sometimes the facemask can be the same color as the gloves. There’s a lot happening. Concerning? Yes, because that’s a big miss. That’s a big foul. That’s why we would like to consider putting that for the membership to consider putting that foul category that we can see, putting that (penalty flag) on the field to help. There is a frustration, and we believe that is one category we can potentially get right.” Vikings quarterback Sam Darnold was grabbed by his facemask and brought down in the end zone to end Minnesota’s comeback attempt against the Rams on Oct. 24. But there was no call. On Oct. 3, officials missed a facemask on Buccaneers running back Bucky Irving while he ran for 7 yards late in the fourth quarter. Tampa Bay instead was called for holding on the play, got forced out of field-goal range and Kirk Cousins rallied the Falcons to an overtime victory. “That is one this year, the facemask seems like it was the obvious one” Vincent said. “That keeps showing up.” Vincent also cited hits on a defenseless player, tripping, the fair catch, an illegal batted ball, an illegal double-team block, illegal formations on kickoffs and taunting as other areas that warrant consideration for replay assist. Current rules only allow replay assist to help officials pick up a flag incorrectly thrown on the field, or in assisting proper enforcement of a foul called on the field. The NFL’s Competition Committee will review potential recommendations for owners to vote on for expanding replay assist. Low blocks Vincent was emphatic about the league’s desire to eliminate low blocks that could lead to serious injuries. “The low block below the knee needs to be removed from the game,” Vincent said. “You look at high school, you look at college, too. Every block should be above the knee, but below the neck. All the work that we’ve done for the head and neck area, all the things that we’ve taken out of the game, this is the right time for us to remove the low block out of the game. Be consistent with high school. Be consistent with college. Every block should be above the knee and below the neck.” Onside kicks The league will consider changes to the onside kick after dramatically overhauling the kickoff rule on a one-year basis. “We need to look at that. That’s a dead play,” Vincent said of the onside kick’s low success rate. “That is a ceremonial play. Very low recovery rate. When we look at the kickoff and maybe where the touchback area should be during the offseason, we need to revisit the onside kick.” Options include giving the team an opportunity to run one play to gain a certain number of yards to keep possession. Commanders in RFK Stadium The Washington Commanders’ search for a new stadium site includes options in Maryland, Virginia and the District of Columbia, and work has escalated on one in particular. NFL Commissioner Roger Goodell and controlling owner Josh Harris met with lawmakers on Capitol Hill last week about the RFK Stadium site in Washington, which requires a bill getting through Congress to transfer the land to the District government before anything else can happen. “I think there’s a bipartisan support for this,” Goodell said, adding he’d like to see it get to a vote soon. “We hope that it will be addressed and approved so that it’s at least an alternative for the Commanders if we go forward. I grew up in Washington, and I know would be exciting for a lot of fans.” Expanding schedule The NFL continues to discuss a potential 18-game season, but would need approval from the players’ union. “We are doing analysis I would say, but we are not finalizing any plans at this point,” Goodell said. “They’ll share that analysis with the players’ union, which would need to agree to any change.” ___ AP Sports Writer Stephen Whyno contributed. ___ AP NFL:
MIAMI — President-elect Donald Trump won Miami-Dade County in a landslide, but will that be enough to get a street named after him? Hialeah wants Miami-Dade to recognize the city’s creation of President Donald J. Trump Avenue, a request that’s on the County Commission’s Dec. 3 agenda. The item would force Democrats on the County Commission, which is officially nonpartisan, to decide whether to support honoring the incoming Republican president. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get the latest news, sports, weather and more delivered right to your inbox.
NEW YORK (AP) — U.S. stock indexes got back to climbing on Wednesday after the latest update on inflation appeared to clear the way for more help for the economy from the Federal Reserve . The S&P 500 rose 0.8% to break its first two-day losing streak in nearly a month and finished just short of its all-time high. Big Tech stocks led the way, which drove the Nasdaq composite up 1.8% to top the 20,000 level for the first time. The Dow Jones Industrial Average, meanwhile, lagged the market with a dip of 99 points, or 0.2%. Stocks got a boost as expectations built that Wednesday’s inflation data will allow the Fed to deliver another cut to interest rates at its meeting next week. Traders are betting on a nearly 99% probability of that, according to data from CME Group, up from 89% a day before. If they’re correct, it would be a third straight cut by the Fed after it began lowering rates in September from a two-decade high. It’s hoping to support a slowing job market after getting inflation nearly all the way down to its 2% target. Lower rates would give a boost to the economy and to prices for investments, but they could also provide more fuel for inflation. “The data have given the Fed the ‘all clear’ for next week, and today’s inflation data keep a January cut in active discussion,” according to Ellen Zentner, chief economic strategist for Morgan Stanley Wealth Management. Expectations for a series of cuts to rates by the Fed have been one of the main reasons the S&P 500 has set an all-time high 57 times this year , with the latest coming last week. The biggest boosts for the index on Wednesday came from Nvidia and other Big Tech stocks. Their massive growth has made them Wall Street’s biggest stars for years, though other kinds of stocks have recently been catching up somewhat amid hopes for the broader U.S. economy. Tesla jumped 5.9% to finish above $420 at $424.77. It’s a level that Elon Musk made famous in a 2018 tweet when he said he had secured funding to take Tesla private at $420 per share . Stitch Fix soared 44.3% after the company that sends clothes to your door reported a smaller loss for the latest quarter than analysts expected. It also gave financial forecasts for the current quarter that were better than expected, including for revenue. GE Vernova rallied 5% for one of the biggest gains in the S&P 500. The energy company that spun out of General Electric said it would pay a 25 cent dividend every three months, and it approved a plan to send up to another $6 billion to its shareholders by buying back its own stock. On the losing end of Wall Street, Dave & Buster’s Entertainment tumbled 20.1% after reporting a worse loss for the latest quarter than expected. It also said CEO Chris Morris has resigned, and the board has been working with an executive-search firm for the last few months to find its next permanent leader. Albertsons fell 1.5% after filing a lawsuit against Kroger, saying it didn’t do enough for their proposed $24.6 billion merger agreement to win regulatory clearance. Albertsons said it’s seeking billions of dollars in damages from Kroger, whose stock rose 1%. A day earlier, judges in separate cases in Oregon and Washington nixed the supermarket giants’ merger. The grocers contended a combination could have helped them compete with big retailers like Walmart, Costco and Amazon, but critics said it would hurt competition. After terminating the merger agreement with Kroger, Albertsons said it plans to boost its dividend 25% and increased the size of its program to buy back its own stock. Macy’s slipped 0.8% after cutting some of its financial forecasts for the full year of 2024, including for how much profit it expects to make off each $1 of revenue. All told, the S&P 500 rose 49.28 points to 6,084.19. The Dow dipped 99.27 to 44,148.56, and the Nasdaq composite rallied 347.65 to 20,034.89. In the bond market, the yield on the 10-year Treasury rose to 4.27% from 4.23% late Tuesday. The two-year Treasury yield, which more closely tracks expectations for the Fed, edged up to 4.15% from 4.14%. In stock markets abroad, indexes rose across much of Europe and Asia. Hong Kong’s Hang Seng was an outlier and slipped 0.8% as Chinese leaders convened an annual planning meeting in Beijing that is expected to set economic policies and growth targets for the coming year. South Korea’s Kospi rose 1%, up for a second straight day as it climbs back following last week’s political turmoil where its president briefly declared martial law. AP Writers Matt Ott and Zimo Zhong contributed.
NoneFBI Director Wray says he intends to resign before Trump takes office in January
RALEIGH, N.C. (AP) — North Carolina's elections board dismissed formal protests Wednesday by several Republican candidates who trailed narrowly in their races last month and had questioned well over 60,000 ballots cast this fall. The State Board of Elections' decisions sided with the Democratic candidates, including those for a state Supreme Court seat and a key General Assembly seat. These matters are now expected to be resolved in the courts. The board voted in favor of denying the protests of GOP Supreme Court candidate Jefferson Griffin, who after a recent statewide machine recount trailed Associate Justice Allison Riggs by 734 votes from over 5.5 million ballots cast. No additional recounts had been ordered after a partial hand recount completed Tuesday failed to suggest that Griffin could catch up to Riggs. Riggs is one of only two Democrats on the seven-member court, which has been a partisan flash point in the state over the past two years in court battles involving redistricting, photo voter identification and other voting rights. The board on Wednesday considered protests filed by Griffin, a current Court of Appeals judge, and three candidates for the General Assembly covering three categories of voting. Those categories included votes cast by people with voter registration records lacking driver’s licenses or containing partial Social Security numbers; overseas voters who have never lived in the U.S. but whose parents were deemed North Carolina residents; and military or overseas voters who did not provide copies of photo identification with their ballots. The board is composed of three Democrats and two Republicans. In three of four dismissal motions Wednesday, the votes were 3-2 along party lines. The vote on the other motion was unanimous. Riggs' campaign has said that she is the winner and that Griffin should concede immediately. Speaking after the hearing, Riggs mentioned that her parents were among the 60,000 voters whose votes were being challenged, and “I can personally attest they are in fact lawful votes." Griffin didn't immediately respond to an email seeking comment on the decisions. State Republican Party Chairman Jason Simmons said in a news release that the “board’s continued efforts to engineer political outcomes for Democrats is shameful" and suggested appeals could be ahead. Another candidate protester is GOP Rep. Frank Sossamon, who trailed Democratic challenger Bryan Cohn. A Cohn victory would mean Republicans fall one seat short of retaining their current veto-proof majority for the next two-year General Assembly starting next month. The board could have ultimately ordered corrected ballot tallies, more recounts or new elections if it determined the evidence showed election law violations or irregularities called into question the results of the protested elections. Scores of protests filed by Griffin and the legislative candidates are still being considered by county boards. During Wednesday's hearing, Riggs' attorneys urged the state board to throw out the protests. They called that an illegal attempt to change the election rules after votes have been cast and counted and out of line with protest rules. “The voters that protesters are challenging here today unquestionably are eligible voters,” said Will Robertson, an attorney representing the three Democratic legislative candidates and the state Democratic Party. “These protests are not only facially invalid but they’re an affront to democracy and to the rule of law in North Carolina.” Citing the state constitution, attorneys for Griffin argued that elections boards cannot count the ballots of people who have never lived in North Carolina. And they said the state board erred by generating voter registration forms that did not make clear that state law requires an applicant to provide one of the identifying numbers. “We filed these protests because we believe the winners of these elections should be determined by eligible voters and only be eligible voters,” Craig Schauer, an attorney for Griffin and GOP legislative candidates, told the board. In addition to the substance of the protests, Democratic board members also threw out the protests because they determined that voters did not receive appropriate legal notice that their votes were being challenged. Griffin sent postcards to a voter or the “current resident” stating that “your vote may be affected” by a protest, according to legal briefs and evidence. It included a QR code that mobile phone users could visit to obtain information. Democrats said people may have thrown the postcard away or considered it a scam. The state board's decisions came days after the state Democratic Party sued in federal court to block the State Board of Elections from ruling in any way to throw out the disputed ballots. Griffin led Riggs by about 10,000 votes on election night, but that lead dwindled and flipped to Riggs as qualifying provisional and absentee ballots were added to the totals.
WASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. 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Here's How Much You Would Have Made Owning East West Bancorp Stock In The Last 5 YearsHOUSTON , Dec. 11, 2024 /PRNewswire/ -- Essency, a leading provider of innovative hot water solutions, has announced the continuing rollout of its revolutionary EXR water heater, which is now available in 18 states as well as the District of Columbia . The Essency EXR, the world's first high-capacity electric water heater, brings homeowners a new level of durability and simplicity. Its cutting-edge technology employs intelligent temperature management and quick recovery to deliver an 80-gallon First Hour Rating in a standard-size residential tank footprint. And, the innovative design of the EXR makes it the perfect choice for households of all sizes. Unlike traditional storage tank water heaters, which typically last only an average of eight years, the Essency EXR is built to serve fresh, clean, hot water for over 30 years, providing unmatched durability and performance. Following its success in Arizona , Colorado , Florida , Georgia , North Carolina , South Carolina , Tennessee , and Texas , the product's distribution has expanded to Alabama , Delaware , Kentucky , Louisiana , Maryland , Mississippi , Nevada , New Mexico , Virginia , West Virginia , and the District of Columbia . "With the positive reception from contractors who tell us that installing an EXR is practically 'plug and play,' we are excited to continue expanding our distribution of this product," says Scott Isaksen , National Sales Director for Essency. "Plumbers praise the ease of installation and customer satisfaction, thanks to the product's reliable performance and 20-year transferrable warranty. We're excited for more U.S. homeowners to experience the benefits of the EXR." Whether as a direct replacement for a standard tank water heater, for new-build installations or wherever a new residential water heater is required, the EXR seamlessly integrates into any setting. Its elegant cabinet-type shape sets it apart, making it the most functional and most beautiful home water heater on the market today. Plumbers also appreciate its light weight and built-in handles, which make it much easier to maneuver than a standard tank heater. New owners of the Essency EXR have noted how happy they were about the simplicity of installation without a lot of home reconstruction. They're finally able to have all the hot water their family needs throughout their home whenever they need it while also saving real dollars with features like "Water Saver" and "Vacation Mode." About Essency Founded in 2010, Essency is committed to reimagining the hot water industry. The Essency EXR is the winner of the prestigious 2023 Edison Award in the category of Consumer Solutions- Sustainable Design. For more information about Essency and the EXR, visit www.essencyhome.com . Essency water heaters are available for installation by professional, factory-trained plumbing contractors in 18 U.S. States and the District of Columbia . Ferguson is the exclusive U.S. distributor to the plumbing wholesale trade for Essency water heaters. SOURCE EssencyJake Paul wants “to set the record straight,” when no straightening is required. If anyone would understand that we moved on from his “fight” against Mike Tyson, it should be Paul, who has made a fortune in the split-second entertainment world of social media. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.
Sen. Thom Tillis (R-NC) began his reelection campaign this week, expressing confidence he'll return for a third term in the Senate in the purple state. The North Carolina lawmaker planned a campaign launch reception and fundraiser Wednesday evening in Washington, D.C., where at least 20 Republican senators will join him as he seeks to defend one of the most competitive seats of the 2026 election cycle. However, Tillis's past votes on key cultural matters, such as enshrining protections for gay marriage and immigration, led the North Carolina GOP to censure him, and he is likely to face a primary challenge. Tillis, though, has backed his record and remains confident that he will convince North Carolinians to stand by him. MEET THE NEW CONGRESS: THE HOUSE AND SENATE FRESHMEN ELECTED TO SERVE NEXT YEAR "I think we've got a good story to tell and results that I'm proud of," Tillis told the Washington Examiner. Political experts, though, warned that grassroots Republicans aren't going to easily roll over after spending years viewing Tillis with suspicion. "It's gonna be complicated even before we get (to a general election) because he's got to get through a primary first, and the so-called grassroots of the Republican Party has made it very clear that they plan to have a significant primary challenger to him, who that is we don't know," said Western Carolina professor Chris Cooper. Controversial Lt. Gov. Mark Robinson (R-NC) cast doubt on Tillis's reelection bid in multiple social media posts. "Thom is toast," Robinson wrote on X after asking his followers if Tillis should be the nominee. Robinson lost last month's gubernatorial election in the Tarheel State to Democratic Attorney General Josh Stein after media reports of his past comments on pornographic websites. "Mark Robinson is damaged goods, to say the least," said J. Miles Coleman, associate editor of Sabato’s Crystal Ball at the University of Virginia Center for Politics. "But as far as primary challenges, I wouldn't rule anything out, per se." Lara Trump, President-elect Donald Trump's daughter-in-law, is among one of the contenders who could challenge Tillis in the primary. However, she has also been seen as a leading contender for Gov. Ron DeSantis (R-FL) to tap to replace Sen. Marco Rubio (R-FL), who will likely get confirmed as the president-elect's secretary of state. "If she were to get Rubio's seat, I think Tom Tillis is going to breathe a little bit of a sigh of relief because that would have been a primary challenge that would have been extraordinarily difficult to go against," said Cooper. A poll from Victory Insights showed Lara Trump beating Tillis in a GOP primary 65% to 11%, with 25% undecided. Tillis's first two Senate campaigns saw him win by less than two points. He won by just 1.8 points in 2020 and 1.7 points in 2014. His third campaign is expected to be just as close. Should he survive a primary challenge, he could still face an even tougher battle if popular Gov. Roy Cooper (D-NC) decided to run for the Senate. Cooper has not announced a Senate run, but he told a local reporter last week, "I love public service. I want to keep helping North Carolina and our country. I haven't made that decision yet, but it's on the table." The Victory Insights poll also showed in a head-to-head matchup between the two men, Cooper narrowly leads 45.1% to Tillis's 44.1%, and 11% are undecided. WHAT MAGA AND THE GOP WILL LOOK LIKE IN A POST-TRUMP ERA Coleman said Donald Trump's endorsement of Tillis would essentially end a primary challenge. "I think that would basically make him hard to beat," he said. "Sen. Tillis can just about guarantee his primary victory by once again earning Trump's endorsement, as he did early in the 2020 primary," added David Capen, president of Capen Consulting. However, "securing that endorsement may hinge on his votes for Trump’s Cabinet nominations." The North Carolina senior senator appeared confident that Donald Trump would eventually back him. "President Trump endorsed me in ‘20 I would expect he'll endorse me again. I hope that he does," Tillis said. The Trump team did not respond to a request for comment on whether the president-elect backs the senator. With certain Republicans itching to remove Tillis, much attention will be focused on whether he votes to confirm Donald Trump's Senate nominees, including the embattled Pete Hegseth, who is up for defense secretary. "I voted for every single Trump nominee in the prior administration," Tillis said in reference to past support for Donald Trump. "I've got a great relationship with the transition team, and President Trump knows where I want things that matter most to him, and so I feel like I'll continue to enjoy a great relationship." Tillis quipped that the only thing that keeps him up at night is "caffeine" rather than worry about a primary challenge or pressure to vote to confirm the president-elect's nominees. After losing key Senate races in Pennsylvania, Montana, and West Virginia, a Democratic path to flipping control of the Senate includes winning North Carolina, one of the top battleground states of the presidential election. The math favors the GOP even though the party is defending 22 seats. Out of those 22 seats, only one seat, currently held by Sen. Susan Collins (R-ME), is in a state that Donald Trump didn't win in 2024. Democrats would need to win Tillis's seat, along with Collins's and other races in Ohio, Texas, Iowa, Florida, and Alaska, in order to flip the Senate. The state and national Democratic Party will likely invest millions of dollars in the Senate race, given North Carolina's status as a consistent purple state. Other vulnerable senators up for reelection include Sens. Jon Ossoff (D-GA), Gary Peters (D-MI), Collins, and Bill Cassidy (R-LA). DEMOCRATS WEIGH CHANGE IN STRATEGY TO AVOID MIDTERM AND 2028 DEFEATS Cooper, the North Carolina professor, warned, "If Tillis [is] too far right and too far pro-Trump, that might help him in the primary, but it might hurt him in the general." "He's really in a tough spot, and that every Pete Hegseth-like vote can cut both ways," he added. However, Coleman suggested that after a spring primary, "he does have some time there to sort of work on maybe appealing to voters in the middle" before the November election. Marisa Schultz contributed to this report.