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Confira ♡Jessica♡ (@crueelbaby): https://twitter.com/crueelbaby?s=08

aeliad:

biglawbear:

baasthasthezoomies:

prismatic-bell:

lindstrom2020:

Okay, USA followers, you know how we all hate bank fees? I mean, you overdraw your account by $1.23 and you get charged $25.00? That’s evil.

As of Jan 26, 2022, the Biden Administration CFPB (Consumer Financial Protection Bureau) is bringing the hammer down on junk fees. This is more than just bank fees - this is going after the junk fees on things like prepaid cards, loans, bank transfers, credit card late fees, even closing costs on a mortgage.

The CFPB needs public comments, like the opinions of real people who are affected by these fees, to build a case about telling financial organizations that THEY CAN’T CHARGE THEM ANYMORE.

The CFPB says it’s particularly interested in hearing from older and lower-income consumers, students, service members and people of color.

There’s some good detail about the comments in this investopedia article. The easiest way to comment is to send an email to FederalRegisterComments@cfpb.gov. Include Docket No. CFPB-2022-0003 in the subject line of the message.

Note that these are public comments. They will be published online through the CFPB website. Don’t include account numbers, social security numbers, or full names. Tell a story - tell about the time you overdrew your account by $1.23 and the bank took $35. Tell about how you signed up for a credit card and the company charged you a bunch of fees you didn’t even know about. Tell about how you transferred money from your savings account to a checking account and the bank charged you $2.50.

These junk fees are a slap in the face of ordinary people who can’t refuse to pay, and the CFBP is taking aim at the banks that charge them. To read what CFPB director Rohit Chopra had to say about this call to action, click here.

You have until March 31, 2022 to submit comments.

YES!!!!

FUCKING YES!!!!!!

Y'all know the hole I just asked your help digging me out of like, literally last week?

THAT HOLE WOULD NOT HAVE EXISTED WITHOUT PREDATORY FEES LIKE THIS

THIS WOULD BE SO GOOD FOR SO MANY PEOPLE

DATES:Comments must be received on or before March 31, 2022.

ADDRESSES: You may submit comments, identified by Docket No. CFPB-2022-0003, by any of the following methods:

•Electronic:http://www.regulations.gov. Follow the instructions for submitting comments.

•Email: [email protected]. Include Docket No. CFPB-2022-0003 in the subject line of the message.

•Mail/Hand Delivery/Courier: Comment Intake —Fee Assessment, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. Please note that due to circumstances associated with the COVID-19 pandemic, the CFPB discourages the submission of comments by hand delivery, mail, or courier.

Instructions: The CFPB encourages the early submission of comments. All submissions should include document title and docket number. Because paper mail in the Washington, DC area and at the CFPB is subject to delay, commenters are encouraged to submit comments electronically. In general, all comments received will be posted without change to https://www.regulations.gov.

Hey guys. I’m a federal employee. I write regulations. I personally go through every single one of thousands of comments.

Unlike Congress, where sometimes your call or email about a policy goes into the void, every single comment about a regulation is individually read and tallied.

When a regulation is written it will say something like “The CFPB adopted X because it received 5,284 comments telling us to do that.”

Write your comments.

It can be short. It can be long. It can go into detail about your experiences or your background. It can simply be an email saying “overdraft fees suck and should be illegal.”

And it will affect policy.

Note, however, that comments are generally public record, so even though you’re encouraged to give your name, don’t give personally identifiable information.

Federal register comments are one of the least known yet most powerful ways to influence public policy.

Send in your comments!!

This is the kind of thing where participating in the process of government will cause real, concrete results. 

Unlike, say, writing a representative which feels like screaming into a void except in election years (though it’s still worth doing) this does matter. Take a few minutes and if you can write something about how this policy would help, do so. 

Personally I may write about the times I’ve had to do the math to decide whether the fees were going to be worth it or not. 

Someone found this in a hoodie that they hadn’t worn in a while. So if you’d like to attract this same fate and rediscover some forgotten money, go ahead to reblog this to share with those around you so that they can receive the same.

When you are blessed, bless someone.

Y'all, I just saw this and wanted to share it with y'all because my city is starting to shut down again due to increases in covid cases and the recent Federal team that visited this past weekend. So with that being said, I know funds are going to decrease again for a lot of people who were just trying to get back into the groove of things, so I’ll accept this blessing and pass it on my extended family here and y'all do the same.

P.S. What have y'all heard about the shortage of coins or whatever BS the Federal Reserve is popping?

Blanca Bitchcraft

Just as you found this post, may you find money flowing effortlessly into your life from henceforward.

Blessed are you who read this. Manifest the receiving an abundance of money now. As the universe has been good to you, be good to another. Bless a friend and bless a stranger.

Reblog to cast and pass the blessing!

Blanca Bitchcraft

happy pride! wanna give back to a disabled transmasc two-spirit?

howdy! my names nico (among others) and im a poor native, autistic, mentally+physically disabled, transmasc two-spirit. money is super tight as im in the process of moving so anything helps!

if you feel generous this pride month, here’s your chance to give back. i encourage you to check in on your fellow poor lgbt folks and give to them as well if possible.

✨here’s my k*-fi, where you can also find my v*nmoandp*ypal. (ignore my deadname if you happen to see it) reblogs are appreciated!

happy pride month, spread the love!

thepioden:

thefingerfuckingfemalefury:

enberlight:

The Biden administration is capping the cost of internet for low-income Americans

Good news of you have a low income and a high internet bill: The Biden Administration is changing that.

The Affordable Connectivity Program will provide plans of at least 100 Megabits per second of speed for no more than $30. An estimated 48 million Americans will qualify.

Twenty internet providers, including national companies like AT&T, Comcast and Verizon, as well as regional companies, such as Hawaiian Telecom and Jackson Energy Authority in Tennessee, have committed to the program.

To see if you qualify, go to:

Get Internet | The White House

AHHHHH AWESOME :D

If you qualify for the benefit, it will reduce your monthly bill by $30. ADDITIONALLY, if you get internet through a participating company that caps at $30, the discount still applies, which means your internet is free. Cutoff is 200% federal poverty level, which is about $27k for one person.

Does society enforce it as the given cultural norm?
Are and/or were there laws regarding it?
Is it supported in business practices and policies?
Is it enforced in employment practices (hiring, firing, conditions for employment, etc)?
Is it in housing policies and practices?
Is it in education policies, practices and application?
It is in local/state/federal law enforcement practices and/or policies?
Is it resplendent throughout advertising and entertainment industries?
Is it possible to rectify employment, housing, law enforcement, etc. grievances through the government–judicial, executive, legislative, etc.?
Does its practice affect people in any aspect of their life: personal, financial, housing, employment, health and medical care, etc.?
Is it specific to a single group or several groups of people?

This is what I mean when I say systemic.

Well hello there, Mr. Smith!

What?, *giggle* you don’t recognize me? Really?

It’s Alice! ‘Little Alice Laughlin’ from down the street. I used to babysit your kids remember?

Now, it’s coming back to you, huh? *giggle*

I know, I’ve done some growing up! And you’ve done some growing down! *giggle*

Awww, now don’t be embarrassed! It’s, like, super common these days! Nothing to be ashamed of.

As for what I’m doing here, well… I’m still in the babysitting game. The adult babysitting game now. Much more lucrative than watching kids.

Awww, poor thing! Your wife didn’t tell you?

Well, I’m sure she had her reasons. But while she’s away on her big important business trip I’ll be here to keep you company and to keep you safe!

I’m sure she was just worried about you. It must be hard having become so small. And im sure it was equally hard losing your job because of your height. People, especially the women in the office, just don’t respect a manager that comes up to their belly button. That’s a shame.

It’s a good thing your wife went back to work! And I hear she’s doing great. Making a much bigger salary than you ever did!

I mean, she’s practically paying me more than you used to make just to babysit.

Oh yeah, we discussed your old salary. We discussed all kinds of things about you! *giggle*

Women are the ones that bring home the bacon now. That’s just the world we live in. But don’t worry! Little boys like you will always have a special place at home, waiting to greet us after a hard day’s work. Kind of like pets! *giggle*

Now, go wash up and get ready for bed! Your wife says she grabbed you some nice new PJs to keep you warm. They’re the kinds with feet and a butt flap! *giggle* SO adorable.

It’s going to be such a fun week for us both, Mr. Smith.

Oh, I forgot, she told me not to refer to you like that anymore. She said it would confuse who is actually in charge. She told me to call you Billy.

No, not William. Billy. She was very specific!

Your wife also said if I do a good job she may just pay me to be your full time nanny from now on! Wouldn’t that be great?!