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COMMENTARY: Debt collectors target consumers of color, people making less than $50K

NNPA NEWSWIRE — Under the Trump Administration, a consistent and focused deregulation effort has been underway to turn CFPB into a toothless tiger. It’s almost as if CFPB now stands for Corporate Financial Protection Bureau. Rather than living up to its name, CFPB eschews consumers and defers to companies and their preferences as to what financial regulation should look like.

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Charlene Crowell is the Communications Deputy Director with the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org.

Consumer survey finds bipartisan support for effective debt collection regulation

By Charlene Crowell, NNPA Newswire Contributor

A new survey asked likely voters across the country what they thought of a proposed debt collection rule. The response was strong and broad opposition.

Proposed earlier this year by Consumer Financial Protection Bureau (CFPB) Director Kathleen Kraninger, the rule would authorize debt collectors to expand how often consumers could be contacted as well as the ways such contacts could be made: email, text messages, and more.

Conducted by Lake Research Partners and Chesapeake Beach Consulting, the poll was jointly commissioned by the Americans for Financial Reform (AFR) and the Center for Responsible Lending (CRL). The results, released on September 11, found stark opposition by consumers to regulatory reforms announced by the CFPB. Consumers are strongly united in wanting more and better protection in this area of financial regulation.

One in five poll participants were contacted by a debt collector in the past 12 months for different types of debt – including medical. Consumers of color, lower-income consumers and military families were contacted at higher rates. More than one in three Black consumers (34%) or consumers with incomes less than $50,000 (33%), were contacted. Among Latinx consumers, nearly half or 48% were contacted.

Likely voters were most concerned about three specific changes included in the CFPB debt collection proposal:

  • 76% opposed allowing debt collectors to leave messages for people in places that are not private;
  • 74% opposed allowing debt collectors to contact consumers by private direct messaging on social media platforms like Facebook or Twitter; and
  • 73% opposed allowing debt collectors to phone people as often as seven times a week for each debt in collection.

“It should not surprise any of us that Americans don’t support government-sanctioned harassment by debt collectors via phone, email, or text,” said AFR Senior Policy Counsel Linda Jun. “And yet that’s exactly what the Kraninger CFPB is proposing. The agency needs to withdraw this plan and come up with one that actually protects consumers.”

The real irony with CFPB is that for six years, consumers benefitted from a series of actions that helped 29 million consumers to receive nearly $12 billion in restitution and/or forgiveness.  Additionally, multiple public forums held across the country on a variety of issues gave consumers and all stakeholder interests meaningful opportunities to help shape public policy developments. Research released by the CFPB have documented the harm of abusive debt collection practices and shown the rippling consequences of financial services practices as large as mortgages and as small as payday loans.

Under the Trump Administration, a consistent and focused deregulation effort has been underway to turn CFPB into a toothless tiger. It’s almost as if CFPB now stands for Corporate Financial Protection Bureau. Rather than living up to its name, CFPB eschews consumers and defers to companies and their preferences as to what financial regulation should look like.

The Administration has also repeatedly emphasized consumer information and education while predatory lenders pick the pockets of unsuspecting consumers. The error in this approach is that being aware of what should occur will not and cannot change punitive practices that earn billions of dollars for the corporations abusing consumers.

These actions are particularly suspect when one considers that debt collection complaints have been among the chief consumer complaints filed at both the CFPB and the Federal Trade Commission. Under CFPB’s first director, the agency filed more than 25 federal enforcement actions against debt collectors and creditors that deliver $300 million in restitution and another $100 million in civil penalties due to deceptive and abusive debt collection practices.

From weakening the Bureau’s Office of Fair Lending, to rewriting the long-awaited payday lending rule that required lenders to ensure that borrowers can afford to repay these small-dollar loans that come with big costs, businesses and corporations are being coddled while consumers remain caught in harassing debt collection practices and debt trap loans.

“Bad policies from Washington are often the brainchild of people who aren’t personally impacted by them,” said Jeremy Funk, spokesman for Allied Progress, a consumer advocacy organization. “Maybe spanning the spammer-in-chief at the CFPB will help them realize the massive invasion of privacy that are inviting with this plan…Congress should get prepared to hold them accountable.”

Speaking for the Center for Responsible Lending, Melissa Stegman, a Senior Policy Counsel said:

“The poll is clear – Americans don’t want CFPB Director Kathy Kraninger to give debt collectors a license to harass and intimidate consumers,” said Stegman. “A consumer-first debt collection rule should protect people – and particularly people of color and active duty military members, veterans and their families – from time-barred ‘zombie debt’.”

Government is supposed to be ‘for the people’– not for corporations.

Charlene Crowell is the Communications Deputy Director with the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org

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PRESS ROOM: Top Climate Organizations React to Trump’s Executive Orders Attacking Health, Environment, Climate and Clean Energy Jobs

NNPA NEWSWIRE — Climate Action Campaign (CAC), along with partners and allies, voiced strong concerns about the executive orders and the confirmation of Lee Zeldin as the 17th Environmental Protection Agency administrator.

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Voice concerns about the New EPA Administrator

WASHINGTON—President Donald Trump wasted no time implementing the Project 2025 playbook. Within his first hours as the 47th President, he issued executive orders aimed at dismantling crucial climate, health, and economic protections, which could have dire consequences for the country and the environment. His actions of disservice to our communities on the first day of his presidency coincided with Martin Luther King Jr. Day which was meant for service and reflection. The policies introduced by President Trump, along with his new Environmental Protection Agency administrator, stand in stark contrast to the spirit of Dr. King’s commitments to service others and improve society.

Climate Action Campaign (CAC), along with partners and allies, voiced strong concerns about the executive orders and the confirmation of Lee Zeldin as the 17th Environmental Protection Agency administrator. “The new administration has moved to undo hard-earned generational progress like Justice40 that was created to ensure every American has an opportunity to be healthy and thrive,” said Dr. Margo Browne, Senior Vice President of Justice and Equity, at Environmental Defense Fund. “These actions threaten the rights of tens of millions of Americans to breathe clean air, drink clean water, and use products free of toxic chemicals, particularly those people whose zip code or race add undue burdens.

We must stay focused. Leaders change, but our work remains the same. And we will do everything we can to uphold the progress made with our partners and allies and to uplift the people on the frontlines fighting for equity every day.” “As we enter into an era of weaponized phrases and issues, we must remember that environmental justice means that all people should have equitable access to a healthy, sustainable, and resilient environment,” said Leslie Fields, Chief Federal Officer, WE ACT For Environmental Justice. “Trump’s day one acts – including rescissions of nearly 80 vital executive orders while adding dozens of new, anti-democratic orders – roll back popular policies that promote clean, renewable, and affordable energy. These actions also place vulnerable communities in even greater danger from pollution and the dire, real-time consequences of the climate crisis. In the face of these assaults, we will not stop pursuing justice.”

“The President of the United States is elected to lead and protect all Americans,” said Ben Jealous, Executive Director, Sierra Club. “Donald Trump promised to be a president who fights for working families, but his bluster of action shows he’s fighting harder to protect corporate polluters and their profits, all at the expense of our health, our safety, and our jobs. The American people want cheaper energy bills, safe drinking water, and clean air. Donald Trump should listen and offer actual solutions instead of exploiting their pain for political gain while he further lines the pockets of the wealthiest instead of American workers.”

On the Confirmation of Lee Zeldin, 17th administrator of the EPA:

“Lee Zeldin’s confirmation as EPA administrator is a catastrophic blow to the health of Americans, the climate, and the economy,” said Margie Alt, Director, Climate Action Campaign. “Under Zeldin’s leadership, the Environmental Protection Agency will no longer protect the American people and our communities – it will protect polluters. Zeldin’s public statements and record make it clear he will implement Trump’s anti-science, anti-clean energy Project 2025 agenda, prioritizing the interests of oil and gas CEOs at the expense of the clean air, water, and energy that Americans overwhelmingly support and rely on. Americans deserve an EPA administrator who will prioritize the health and safety of families over polluter profits. Zeldin’s confirmation is a tragic failure for all Americans.”

“The new head of the EPA must ensure that neither he nor the President denies vulnerable communities their most basic rights—the right to breathe clean air, drink water free from poison, and live on land that does not make them sick,” said Mustafa Santiago Ali, Executive Vice President, National Wildlife Federation. “Environmental Justice is not a privilege; it is the foundation of life, liberty, and the pursuit of happiness.  To neglect it is to abandon the people who need protection the most.” “Confirming a director who normalizes baseless conspiracies, while failing to earnestly accept the facts of climate change, is a threat to the health of everyone in the United States and especially the most vulnerable Justice 40 communities,” said KeShaun Pearson, Executive Director, Memphis Community Against Pollution. “Lee Zeldin is the antithesis of environment and climate justice. We are amid a climate crisis that demands a protector, not a big oil pawn.” Climate Action Campaign is a vibrant coalition of advocacy organizations working together to drive ambitious, durable federal action to cut carbon pollution, address the climate crisis, advance environmental justice, and accelerate the transition to clean energy.

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BLACK HISTORY MONTH 2025 We Proclaim It

NNPA NEWSWIRE — In the history of this country, in the ongoing fight against racial oppression, against a white supremacist narrative, and against the racial apartheid laws that were passed and upheld, there have always been gear-shifting moments when individual people have taken a stand.

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By Dr. Karsonya Wise Whitehead

Former Georgia Representative Julian Bond and Black Panther leader Eldridge Cleaver once said that when Rosa Parks chose to stay seated on that bus in Montgomery, Alabama, somewhere in the universe, a gear in the machinery shifted, and everything changed.

A gear-shifting moment.

In the history of this country, in the ongoing fight against racial oppression, against a white supremacist narrative, and against the racial apartheid laws that were passed and upheld, there have always been gear-shifting moments when individual people have taken a stand. It happened in 1850, when Harriet Araminta Tubman, a year after her self-emancipation, chose to go back to Baltimore, Maryland, to help lead her niece and her niece’s two children to freedom. A gear shifted. It happened in 1770, when Crispus Attucks, a Black and Indigenous sailor and whaler, chose to get involved with the growing kerfuffle in Boston. In 1864, when the 22nd Infantry Regiment of the U.S. Colored Troops marched from Camp William Penn through the streets of Philadelphia on their way to fight, gear shifted.

When Mamie Till told them in 1955 to leave her son’s casket open so that the world could see what those white men had done to her son, a gear in the machinery of the universe shifted, it happened again in 1966 with Kwame Ture and Mukasa Dada’s declaration of Black Power after the “March Against Fear.” In 2014, after police officers killed unarmed Eric Garner in New York and unarmed teenager Michael Brown in Ferguson, Black people came together under the banner and hashtag of Black Lives Matter to march, protest, and demand change. Gears shift when we choose to fight, when we choose to stand up, and when we refuse to back down. The moral arc of the universe does not bend on its own toward justice, it bends because we push it and because we are willing to continue to do it until change does happen.

In 1926, when Dr. Carter G. Woodson—the founder of the Association for the Study of African American Life and History (ASALH), the son of formerly enslaved parents, a former sharecropper and miner, and the second Black person to receive a Ph.D. in History from Harvard University—sent out a press release announcing the first Negro History Week, a gear shifted. He chose February because the Black community was already celebrating the historic achievements on the birthdays of Abraham Lincoln (2/12) and Frederick Douglass (2/14). Dr. Woodson did not wait for the celebration of our history to be proclaimed, he proclaimed it. He did not wait for someone to permit him to celebrate what we had contributed to this country, he celebrated it. Dr. Woodson understood that Black parents had been teaching their children our history since we arrived in this country. Our stories and achievements had been carried by the wind and buried in the soil. It had been whispered as bedtime stories, spoken from the pulpits on Sunday mornings, and woven throughout our songs and poems of resistance and survival. America did not have to tell us who we were to this country; we told them.

[This post contains video, click to play]

America did not have to tell us that we built this country, our fingerprints are etched into the stone. America does not have to proclaim Black History Month, we proclaim it. We live in the legacy of Dr. Woodson, and as we have done for 98 years, we will celebrate who we are and all that we have accomplished. We stand at the intersection of the past and the future; what we do at this moment will determine how the next gear shifts. The 2025 Black History Month theme is African Americans and Labor, which focuses on the various and profound ways that work and working of all kinds – free and unfree, skilled and unskilled, vocational and voluntary – intersect with the collective experiences of Black people and the transformational work that we have done throughout the U.S., Africa, and the Diaspora. We are celebrating our visible labor—from the work we did back then to build the White House to the work we do right now to hold the White House accountable, from repairing the roads to teaching in our schools, from stocking shelves to packing and unloading trucks; from working in the federal government to our ongoing labor in the state and local offices—and, our invisible labor—from raising and teaching our children to caring for our aging family members, from finding ways to practice revolutionary self-care to finding ways to hope beyond hope in a country that frequently targets and terrorizes Black people. We bear witness to what it means to work hard every day and to get sick and tired of working so hard.

As the president of ASALH, one of the many legacy keepers of Dr. Carter G. Woodson, I am excited to proclaim and uplift the start of Black History Month 2025. I believe that ASALH is a lighthouse that you do not notice until you need it. When boats are caught in a storm or fog, they look for the lighthouse to help guide them safely back to the shore. We have been standing as a lighthouse proudly proclaiming the importance of Black History and helping people to understand that it is only through studying the quilted narrative of our historical journey that one can see the silences, blind spots, hypocrisies, and distortions of American history. We do not celebrate because we are given permission, we celebrate because we are the permission givers. We do not wait for Black History Month to be proclaimed, we proclaim it. We do not wait to be seen, we see ourselves. We do not have to be told the story of America because we are writing it, we are telling it, we are owning it, and we are pointing the way to it. We invite you to join us as we once again celebrate and center the incredible contributions that Black people have made to this beautiful and imperfect nation.

Dr. Karsonya (Kaye) Wise Whitehead is the 30th person and the eighth woman to serve as the national president of ASALH. She is a professor of Communication and African and African American Studies at Loyola University Maryland and the host of the award-winning radio show “Today with Dr. Kaye” on WEAA, 88.9 FM. She is the author of the recently released “my mother’s tomorrow: dispatches from Baltimore’s Black Butterfly” and a member of Delta Sigma Theta Sorority, Inc. She lives in Baltimore with her family.

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Black Reaction to Trump DEI Blame on The Plane Crash

NNPA NEWSWIRE — Before the completed investigation officially began, President Trump laid the blame for the accident on the Army helicopter. He felt it should have been flying at a different altitude, higher or lower, than the jet

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By April Ryan

“We are dealing with a vicious adversary,” according to Rev. Al Sharpton, the head of the National Action Network speaking of President Donald Trump and his hate diatribe Thursday morning. President Trump blamed DEI, the Obama and Biden administrations along with former Transportation Sec. Pete Buttigieg for the deadly midair crash over the Potomac last night. 67 people died after an accident between an American Airline Plane and an Army Helicopter. When asked why President Trump thought diversity had something to do with the crash, he said,” I have common sense and most people don’t.” Reverend Al, who is investigating the impact of the Trump anti-DEI efforts in retail believes Trump is “obsessed with race” and he is a “raw, insensitive, uncaring man.”

Former Secretary Buttigieg immediately went to social media making a statement saying, Trump should be leading, not lying.” Buttigieg also fact-checked Trump saying we grew Air Traffic Control and had zero commercial airline crash fatalities out of millions of flights on our watch.” Pete Buttigieg (@PeteButtigieg) / X During Trump’s rant on DEI at the White House briefing room podium, he asserted, “the FAA’s diversity push includes a focus on hiring people with severe intellectual and psychiatric disabilities. That is amazing. And then it says, the FAA says, people with severe disabilities, the most underrepresented segment of the workforce, and they want them in, and they want them. They can be air traffic controllers. I don’t think so.” Trump went on to say the prior administrations felt those departments were “too white.”

According to reports FAA staffing has been an issue since Inauguration Day January 20, 2025.  Also, Elon Musk, the head of the White House Office of Government Efficiency is reported to have asked the head of the FAA to resign. Musk FAA Ax Former Black Obama Administration Transportation Secretary Anthony Foxx exclusively told this reporter after the Trump statements,” I would caution against any definitive conclusions until that work [investigation] is done by trained, experienced professionals.”

Foxx, who also worked as a transportation consultant in the Biden administration admonished the Trump address saying, “There is no sugar-coating the tragic midair collision that occurred last night. In my experience, safety has always been the number one focus of the Federal Aviation Administration.” Foxx says there is a safety mission to be completed after this tragedy. “There is a well-practiced root cause process that has been taken in the past. It should be used now with competent professionals. A comprehensive, fact-based investigation will answer the many questions we all have. It would also help guard against future accidents of this type,” according to the transportation expert.

Before the completed investigation officially began, President Trump laid the blame for the accident on the Army helicopter. He felt it should have been flying at a different altitude, higher or lower, than the jet. When it comes to the president’s corrosive comments, reaction has been swift from the civil rights community. In a statement from the President and CEO of the National Association for the Advancement of Colored People, Derrick Johnson, “The NAACP is disgusted by this display of unpresidential, divisive behavior.” Johnson told this reporter in a text message, “The President has made his decision to put politics over people abundantly clear as he uses the highest office in the land to sow hatred rooted in falsehoods instead of providing us with the leadership we need and deserve.”

As Trump worked to distract with his words on DEI, the questions still abound as to what caused the deadly plane crash. Former Sec. Foxx, immediately following the fatal crash last night said. “My worst fear is that something happened with the avionics. I hope and expect that this is not the case. But most aircraft these days run in a form of GPS. Could a warning system have failed? But then, how can two systems fail? That leads to some even more grave concerns about interference with the systems. There are many other potential causes.”

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