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Equifax May Owe You a $125 Payment. But Let’s Be Real, You’ll Get Much Less

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The Federal Trade Com­mission (FTC) on June 22nd announced the outcome of a settlement with Equifax, one of the three major credit monitoring firms in the United States.

The settlement requires Equifax to pay somewhere between $500 and $700 mil­lion in restitution for a 2017 data breach that affected about 147 million people across the United States, according to Jacqueline Connor, a privacy attorney with the FTC. The amount of the settlement is the highest in U.S. history for a data breach and the number of people impacted represents almost half the United States’ population. That’s nearly ev­ery adult in the country who has credit.

In California alone, Hack­ers were able to access and ex­pose the personal information of about 15 million people.

“Our credit status impacts nearly every aspect of our lives – from purchasing a home or a car to finding a job,” said California Attorney General Xavier Becerra. “The same Americans who had to im­mediately protect themselves from fraudsters or identify thieves will have to be vigilant for the rest of their lives. We encourage every eligible per­son to apply for the relief they are entitled to as part of our settlement.”

About $300 million of the settlement amount will go to making payments to Ameri­cans affected by the breach. Equifax will pay another $275 million in fines to close the in­vestigation by the Consumer Financial Protection Bureau and to end legal action by states who filed lawsuits against the company.

The hackers, who have not yet been identified, penetrated Equifax’s data files and were able to steal social security numbers, credit card numbers, addresses and other personal data. The breach affected all 50 states, the District of Columbia and U.S. territories.

To compensate victims, Equifax has set up a website (EquifaxBreachSettlement. com) where you can first check to see if you were affected by the breach. Then, you can ap­ply for a check payment of “up to” $125, or you can choose free credit monitoring with all three major credit bureaus for up to four years, a value of a little over $950. When that pe­riod is over, you can choose to opt in for free credit monitor­ing by Equifax for another six years.

Because “millions of peo­ple” affected have filed claims for the $125 payment option since the settlement announce­ment, the FTC, which is re­sponsible for consumer pro­tection across the country, says applying for a cash payment is not the best way to go. So, as an alternative, Equifax is pri­marily now offering free credit monitoring to its customers affected by the data breach. If you’re already signed up for a free credit monitoring service and intend to keep it for the next six months, then you can apply for the $125 payment.

“The pot of money that pays for that part of the settlement is $31 million,” the FTC said in a statement. “A large number of claims for cash instead of cred­it monitoring means only one thing: Each person who takes the money option will wind up only getting a small amount of money. Nowhere near the $125 they could have gotten if there hadn’t been such an enormous number of claims filed.”

For Equifax to have paid out the full $125 to each person affected, a number of no more than 248,000 people would have needed to apply. If all 147 million people end up fil­ing a claim, individual payouts would shrivel down to around .22 cents per person.

The cost for Equifax’s cred­it monitoring service is $19.99 a month, according to the com­pany’s website. If every victim of the breach signs up, it could cost Equifax up to $2 billion to cover the costs.

Victims of identity theft or other fraud resulting directly from the breach who have documentation to back up their claim, will receive compensa­tion of $25 an hour (for up to 20 hours) of the time they took to resolve the problem. They will be eligible for up to an­other 10 hours of $25-an-hour payments for the time they took to research or purchase protection services, including freezing their credit, after the fraud happened.

Those who incurred legal expenses or spent money on credit monitoring, notaries and other approved fines as a result of the hack, are eligible for up to $20,000 per person in reimbursements. They will also be required to show proof that their claims are valid.

The deadline to file all claims is Jan. 22, 2020.

Manny Otiko, California Black Media

Manny Otiko, California Black Media

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Art

Misty Copeland Shapes Ballet’s Tomorrow

THE POSITIVE COMMUNITY — Misty Copeland will curate the 2026 Joyce Ballet Festival, a two-week event in New York City from August 4-16. This role allows her to influence the future of ballet by showcasing a wide range of dancers, choreographers, and companies. The festival will present both established and contemporary works, blending classical traditions with new artistic expressions.

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Misty Copeland at the 2026 Met Gala, wearing fashion in theme of "Costume Art" Date 4 May 2026, 19:39:21

This summer, Misty Copeland will step into a different kind of spotlight. Instead of taking center stage as a dancer, she will help determine what audiences see onstage as curator of the 2026 Joyce Ballet Festival. Taking place August 4 through August 16 at The Joyce Theater in New York City, the two-week celebration will bring together dancers, choreographers and companies representing a broad spectrum of ballet. The festival gives Copeland an opportunity to share not only her appreciation for ballet’s traditions, but also her vision for its future.

Copeland understands better than most how powerful a ballet stage can be. Her historic career with American Ballet Theatre changed the conversation about representation in one of the world’s most traditional performing arts. When she became the company’s first Black woman to reach the rank of principal dancer, her achievement carried significance far beyond a personal milestone. It gave young dancers of color a new image of what was possible and challenged the industry to reconsider who belonged at the center of ballet.

That history informs the perspective she brings to the festival. Copeland has spent much of her career moving between performance, mentorship, advocacy and storytelling. Her curatorial role allows her to bring those interests together by creating a program that does not treat ballet as a museum piece. Instead, the festival presents dance as an evolving language capable of carrying classical traditions into new cultural and artistic territory.

Audiences will encounter a mixture of established works and contemporary creations during the festival. Classical ballet vocabulary will share space with choreography that pushes dancers toward different physical, emotional and theatrical possibilities. The result is intended to give audiences a broader understanding of the art form while demonstrating that tradition and innovation do not have to be competing forces.

The lineup also provides an opportunity to see dancers from different artistic environments. Performers connected to organizations including American Ballet Theatre, New York City Ballet, Paris Opera Ballet, Houston Ballet, Dance Theatre of Harlem and Complexions Contemporary Ballet are among those represented in the festival. Each company carries its own history and artistic identity, making their participation part of a larger conversation about the many ways ballet can be performed and interpreted.

The presence of Dance Theatre of Harlem is particularly meaningful within the larger story of Copeland’s career and the evolution of Black representation in ballet. Founded during a period when opportunities for Black dancers were severely limited, the company helped demonstrate that excellence and classical training could flourish in a Black cultural environment. Its legacy continues to influence dancers and audiences, making its connection to a festival curated by Copeland especially resonant.

The program also reaches beyond a single definition of contemporary ballet. Choreographers with different backgrounds and artistic philosophies contribute to an evening that can move from recognizable classical structures to works shaped by modern dance, theater, popular culture and new approaches to movement. That diversity reflects a generation of artists who increasingly see ballet not as a rigid vocabulary but as a foundation from which they can explore.

For New York audiences, the festival offers something that is increasingly valuable: the opportunity to experience outstanding dancers in an intimate setting. The Joyce is known for presenting dance in a theater where audiences can see movement and artistry up close. That environment can make a familiar ballet work feel newly personal while allowing experimental pieces to communicate with unusual immediacy.

Copeland’s role as curator also sends a message about the importance of artistic leadership. The people who select performers and choreography help determine which stories receive attention and which artists receive opportunities. By bringing a range of voices into the festival, Copeland is using that responsibility to broaden the conversation around ballet. Her choices can introduce audiences to artists they may not otherwise encounter while encouraging longtime ballet followers to look at the form from a different perspective.

The 2026 Joyce Ballet Festival ultimately arrives at an important moment for the art form. Ballet is carrying centuries of tradition into an era defined by changing audiences, broader representation and increasingly adventurous choreography. Copeland’s festival reflects that transition. For two weeks in August, The Joyce will become a meeting place for the familiar and the unexpected—a celebration of where ballet came from and a preview of where it may be going. And with Misty Copeland helping shape the conversation, the future of ballet promises to be as expansive as the dancers who are defining it.

Based on reporting by The Positive Community.



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Oakland Post: Week of August 5 – 11, 2026

The printed Weekly Edition of the Oakland Post: Week of August 5 – 11, 2026

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Community

Gov. Newsom Signs New Affordable Housing Legislation

LOS ANGELES WAVE — The legislation introduces a new “One-Stop-Shop” financing system designed to reduce duplicative reviews and accelerate affordable housing projects. According to the governor’s office, the reforms are expected to lower construction costs by an estimated $60,000 to $70,000 per affordable housing unit, allowing existing state investments to finance more homes.

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California Governor Gavin Newsom stands with public officials after signing Assembly Bill 179 in Oakland, Calif., on July 13 2026. Assembly Bill 179 modernizes how California finances and delivers affordable housing. (Lloyd B Davis/Bay City News)

Gov. Gavin Newsom has signed new legislation aimed at expanding affordable housing, reducing construction costs and speeding up housing development across California as part of the state’s 2026-27 budget.

Assembly Bill (AB) 179, signed July 17, modernizes California’s affordable housing finance system by streamlining project approvals, expanding funding for housing programs and creating new financing tools for homeowners rebuilding after disasters. State officials said the measure is intended to help increase housing production while strengthening efforts to address the state’s housing affordability and homelessness challenges.

The legislation introduces a new “One-Stop-Shop” financing system designed to reduce duplicative reviews and accelerate affordable housing projects. According to the governor’s office, the reforms are expected to lower construction costs by an estimated $60,000 to $70,000 per affordable housing unit, allowing existing state investments to finance more homes.

“When I took office in 2019, my goal was clear: to reverse decades of inaction on housing and homelessness and ensure there was enough housing and care for people to leave the streets,” Newsom said in a statement. “I’m grateful for the Legislature’s partnership, as together we add to this proven foundation with new laws that cut red tape, expand financing opportunities, and help communities build housing faster.”

The measure also establishes a $100 million Disaster Rebuilding Fund to help homeowners repair or reconstruct homes damaged by disasters. In addition, the budget includes $900 million for another round of Housing, Homelessness Assistance and Prevention grants while adding new accountability requirements for certain cities and counties receiving state funding.

To support affordable housing development, the budget provides $500 million in enhanced state low-income housing tax credits and $200 million for the Multifamily Housing Program to build and preserve affordable rental housing for low-income Californians.

According to the governor’s office, California has made progress in increasing housing production since 2019. Annual residential construction has risen by 59%, from about 70,000 homes in 2018 to approximately 111,000 in 2024. The administration also reported that more than 682,000 homes have been built statewide during that period and that the average time from development application to entitlement has dropped from 160 days to 68 days.

State officials also highlighted recent declines in homelessness, including what they described as the state’s largest reduction in unsheltered homelessness in 16 years.



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