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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.

Published

7 years ago

September 20, 2019

Oakland Post

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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NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury

Philadelphia Eagles quarterback Jalen Hurts found Darius Cooper with nine seconds left for the game winning touchdown as his team beat the Tennessee Titans 24-20 in Nashville. Hurts finished the day 26/37 for 264 yards. He threw for two touchdowns and two interceptions. Prior to the final drive, the Eagles ran 25 plays for 45 […]
The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

Published

6 days ago

September 20, 2026

Oakland Post

Prior to the final drive, the Eagles ran 25 plays for 45 yards. During the final drive Hurts went 6-8 with 61 passing yards and the touchdown. Titans defensive tackle — and team captain — Jeffery Simmons said this week that the way to defend Jalen Hurts is to make him “play quarterback.”

Hurts said to Simmons after today’s game: “You started that sh**. I had to finish it.”

Running back Saquon Barkley suffered a stinger in the first half but he ultimately finished the game. He had four carries and nine yards and one catch for eleven yards. He will get an MRI for his injury, but admitted to Cameron Wolfe of the NFL Network he was fine.

Caleb Williams leaves game against Vikings with apparent lower-body injury

Chicago Bears quarterback Caleb Williams was helped off the field with a right leg injury with 7:42 remaining in the fourth quarter. Williams was down, writhing in pain after scrambling to his left. After departing the injury tent, Williams raised his right fist, acknowledging the crowd while expressing his frustration. Testing will commence on Monday to find out more details about his injury.

“We’ll know tomorrow,” Johnson admitted regarding Williams’ injury. “He’s in good spirits. He’s a team player.”

Williams finished the day with 138 passing yards and one interception.

“I’m actually happy it’s nothing with the knee — that was my first inclination,” Johnson said. “But, a hamstring could be pretty damaging as well. So, we’ll see. We’ll see how bad it is tomorrow and we’ll go from there.”

Bryce Young once again dominated the Falcons

Carolina Panthers quarterback Bryce Young is 5-1 against the Atlanta Falcons and is undefeated at Mercedes-Benz Stadium. Today, Young threw for 287 yards and three touchdowns as he led the Panthers to a 34-3 dismembering of the Atlanta Falcons. Georgia Tech alumnus Darren Waller caught two touchdowns and linebacker Devin Lloyd returned one of his two interceptions for a touchdown.

Cooper Rush started his second straight game for the Falcons and it did not go well. The partisan crowd voiced their displeasure after Rush completed 10/17 passes for 86 yards and two interceptions. Jack Strand entered the game for Rush prompting cheers from the Falcons fans. The rookie threw a pick-six on his first career pass attempt. Strand was the first QB to accomplish that feat since Sam Darnold in 2018 and is the first Falcons player to do that since Brett Favre in 1991. Strand finished the day with 59 passing yards and 16 rushing yards.

According to reports, quarterback Michael Penix, Jr. is expected to make his season debut this Thursday at the Green Bay Packers. His return should help the Falcons. They are the first team since the 2008 Rams to not run any plays in the red zone after the first two games to open a season.

The bright spots for the Falcons today were the Spelman College Jaguarettes performing with the Falcons cheerleaders and Florida A&M’s marching band, The Marching 100, also performed during halftime!

Jayden Daniels gets carted off after apparent arm injury

Washington Commanders quarterback Jayden Daniels appeared to injure his left elbow on the final play of the first half in his game against the Dallas Cowboys. During the play, Daniels got stepped on, braced himself for the fall, and his elbow bent the wrong way. Daniels draped a towel over his head as he exited the field on the cart.

He was later ruled out.

Daniels suffered a dislocated elbow to the same arm during week nine of last season against the Washington Commanders, which led to him being shut down for the remainder of the season.

The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

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The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win

Master the complete vehicle-purchase negotiation framework with Roosevelt Gist and Roosevelt. Learn every stage, tactic, and win!
The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

Published

6 days ago

September 20, 2026

Oakland Post

Negotiation framework stages, tactics, and winning strategies from AutoNetwork

Roosevelt Gist and Roosevelt deliver the complete vehicle-purchase negotiation framework in Episode 8 of The Color of Our Money Is Green. This episode covers the three foundations of every effective negotiation, the full seven-stage negotiation sequence with exact language for every stage, and five of the most common dealership tactics with the specific response each one requires.
What You Learn in This Episode:
The three foundations that make every negotiation tactic work
The complete seven-stage car-buying negotiation sequence
Exact language for every stage of the dealership conversation
Five common dealership tactics — the turnover, the four-square, the packed payment, spot delivery, and forced add-ons — and how to counter each one
Why signing preliminary paperwork isn’t the same as signing the final contract
___________________________________________________________________
“The Color of Our Money Is Green: A Buyer’s Guide to What Cars Actually Cost” — stan.store/RGist
____________________________________________________________________
AutoNetwork helps serious car shoppers inspect any new vehicle online before walking into a dealership. I’m Roosevelt — I’ve been reviewing cars and shaping digital car buying and credit union auto leasing since before YouTube car reviews existed.
You’ll find detailed walkaround reviews, POV test drives, and buyer-focused breakdowns covering comfort, space, features, and real-world value.

How to use the channel:
Watch the walkaround of the car you’re considering
Visit AutoNetwork.com for the full review
Check CouponsOffersAndDeals.com for current dealer specials
Walk in already knowing what you want — and what it should cost

AutoNetwork.com
CouponsOffersAndDeals.com
Affiliate disclosure: some links earn a small commission at no cost to you and help support the channel. Insta360 is one of those partners.

The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

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Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts

Stay toasty in the CX-90! Plush Nappa leather, heated/ventilated seats, and a memory-equipped heated steering wheel deliver ultimate luxury.
The post Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts appeared first on BlackPressUSA.

Published

6 days ago

September 20, 2026

Oakland Post

Mazda CX-90 interior with heated seats offering premium comfort.

Experience ultimate comfort in the CX-90. Nappa leather, heated/ventilated seats, 8-way power adjustments, and memory settings for both front passengers. The heated steering wheel with memory tilt/telescope adds premium convenience.

Watch the full video: https://youtu.be/EH5A4eQ4ipY