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Racial and Social Justice

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A sweeping crackdown on “junk fees” and overdraft charges

Biden touted his campaign to eliminate so-called junk fees — the hidden charges that often come as a surprise to the consumer, taking aim at the fees levied by airlines, cable companies, concert ticket-sellers and hotels, among other businesses. The Consumer Financial Protection Bureau in 2022 launched an initiative to expand the crackdown to target financial fees, training its scrutiny in particular on credit card late charges and the insufficient-fund fees that banks impose.

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Preventing discriminatory mortgage lending

In 1977, Congress passed a law to combat a practice known as redlining, where for decades the government had discouraged lenders from extending mortgage loans to borrowers in Black neighborhoods. The law requires banks to lend to creditworthy lower-income people in the same neighborhoods where they have branches that take deposits. But the growth of the internet and mobile banking have made those rules increasingly obsolete. Banks, in effect, had a major presence in many neighborhoods where they had no branches.

benefits of universal basic healthcare

The Economic Impact of Universal Basic Healthcare: A Cost-Saving Revolution

Explore the potential economic impact of Universal Basic Healthcare in the United States. Despite logistical challenges, recent studies project annual savings of $500 billion, challenging the notion that UBH is a financial burden. Discover how administrative efficiency, preventive care, and negotiating power could revolutionize the nation’s healthcare system, leading to a healthier population and substantial cost savings for American taxpayers.

UBI Dignity and Autonomy

Universal Basic Income (UBI) and Human Dignity: A Path to Independent Basic Needs Fulfillment

Explore the transformative impact of Universal Basic Income (UBI) on human dignity. Discover how UBI, by ensuring every individual’s access to basic needs, fosters autonomy, reduces stigma, and enhances mental well-being, creating a more inclusive and harmonious society. Join the conversation on how UBI can be a catalyst for positive change and a pathway to a dignified and equitable future.

The Soaring Costs of Higher Education: A Silent Contributor to Inflation Woes

The Soaring Costs of Higher Education: A Silent Contributor to Inflation Woes

Explore how the soaring costs of higher education, driven by inflated tuition fees, student debt, and extravagant construction projects, are contributing to broader economic inflation. Delve into the interconnected factors shaping the financial landscape of education and discover the potential ripple effects on the economy.