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. 

Rule #____

When I say I need something, the correct response is “May your bitch fetch it for you Mistress?”

“Request Review” Sorta Works

Folks, I requested reviews on a few of my pics that were tagged explicit which I thought weren’t. These were pics where I was not showing any cock, just a sheathed bulge and thonged butt and the red tag was removed!

Sure, it’s a pain to go thru a few hundred posts but looks like tumblr is being somewhat reasonable :)

unpretty:

Congress Introduces Dietary Supplement Safety Legislation to Protect Consumers

they’re finally doing something about the fact that supplements are completely unregulated and companies can literally just put Whatever in there as long as they call it a supplement and not a drug

you know, this thing, where if you actually test them they’re just full of beans

Herbal supplements filled with fake ingredients, investigators find

the fake covid cures and other cure-alls peddled by people like alex jones are also able to get away with it due to the way the FDA has been hamstrung

the best way to support this bill is to contactyour senator and tell them you are someone who buys supplements and you would like them to not be secretly full of whatever the manufacturer happened to find on the side of the road that day. this is especially helpful if your senator is on the health committee.