MELBOURNE, Australia , Nov. 28, 2024 /PRNewswire/ — Global fashion giant SHEIN will bring the ultimate Giftorium experience to life, right in time for the festive season. The SHEIN Giftorium will arrive at Oz Comic-Con Melbourne Xmas Edition for an unmissable experience December 7-8th . On offer will be a vibrant collection of beauty, fashion, home & living products – free and redeemable through participation in various games available at the activation – alongside experiences that will showcase SHEIN’s one-stop-shop range of on-trend and affordable products perfect for Holiday gifting. Oz Comic-Con is Australia’s premier pop culture event gathering fans of comics, movies, TV, anime, gaming, and more. A celebration of all things geek culture featuring exciting panels, cosplay competitions, and exclusive meet-and-greets with stars from the world of film, TV, and gaming. Oz Comic-Con Melbourne Xmas attendees can immerse themselves in a range of SHEIN gifting essentials; Jewellery & Accessories, Home & Living, Office & School Supplies, Toys & Games, and Beauty & Health throughout the SHEIN Giftorium. As well as SHEGLAM being a hero moment. “ Our SHEIN Giftorium experience at Oz Comic-Con will provide attendees the unique experience of selecting their favourite items and festive gifts, whether for themselves or loved ones, through engaging and interactive experiences ,” said a SHEIN Spokesperson. “ Our aim is to connect face-to-face with consumers, with no sales functions taking place at the event itself, the goal is to engage directly with attendees and showcase our range of ultimate Christmas gifting. “ But the experience doesn’t end there – on display will be a select range of key items as a part of the Giftoirum event, however, online is where all our Australian customers can look to dive into the full range available across SHEIN for festive gifting. “ Our customers will find everything under the sun related to fashion and lifestyle, all at cost-effective prices. With an easy shopping process including free returns, customers can shop efficiently from anywhere, ” said a SHEIN spokesperson . With unstoppable style and unbeatable fits, the SHEIN Giftorum experience continues online with a wide product range spanning fashion & beauty, home & lifestyle, accessories, kids, toys & games, electronics & tech accessories, office & school supplies – and so much more. The extensive range ensures that Aussies can find something special for everyone on the list, making holiday shopping a breeze. Embrace the convenience and variety SHEIN offers and make this Christmas memorable with gifts that delight and inspire. SHEIN Giftorium at Oz Comic-Con Melbourne Xmas Edition December 7-8 , Melbourne Convention & Exhibition Centre: ozcomiccon.com/melbourne-xmas-edition/ * Shop SHEIN for Holiday gift guide ideas: https://au.shein.com/ View original content: https://www.prnewswire.com/apac/news-releases/shein-is-launching-the-ultimate-giftorium-experience-just-in-time-for-the-festive-season-302317926.html SOURCE SHEIN

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NEW YORK (AP) — Donald Trump used his image as a successful New York businessman to become a celebrity, a reality television star and eventually the president. Now he will get to revel in one of the most visible symbols of success in the city when he rings the opening bell of the New York Stock Exchange on Thursday as he's also named Time Magazine's Person of the Year. Trump is expected to be on Wall Street to mark the ceremonial start of the day's trading, according to four people with knowledge of his plans. He will also be announced Thursday as Time's 2024 Person of the Year , according to a person familiar with the selection. The people who confirmed the stock exchange appearance and Time award were not authorized to discuss the matter publicly and spoke to The Associated Press on condition of anonymity.SCOTTSDALE, Ariz. — Nick Singleton will decide whether to return to Penn State for his senior year or make himself available for the NFL draft whenever this season ends. Singleton has many factors to consider, including financial ones. But he believes he can work on much in his game if he does come back. “Everything,” he said Sunday. “There’s no one thing that I’m finished working on. There’s stuff I can work on. Running the ball. Catching the ball out of the backfield. Running different routes. Not just running back routes. Blocking, too. “We always talk about beating safeties one-on-one. I want to work on making safeties miss when I get the opportunity,” he said. Singleton is playing his best football of the season going into the College Football Playoff quarterfinal against Boise State in the Fiesta Bowl at 7:30 p.m. Tuesday (TV-ESPN). He ran for 282 yards and scored four touchdowns in the Nittany Lions’ last three games. He leads them with 928 rushing yards and eight TDs and is third in receptions, with 39 for 342 yards and five TDs. He’s also enjoying his best health since early in the season. “We’re starting to see Nick as the running back we envisioned,” Penn State assistant coach Ja’Juan Seider said. “He’s playing the game using different paces. He’s setting up blocks better. He’s starting to show that in the last four or five weeks. “He’s starting to really understand who he is as a running back,” he said. “This kid is starting to be really, really good. He’s always been good, but now he’s being special good.” Since his arrival from Gov. Mifflin as the top high school player in the country, Singleton has made quantum leaps in his receiving and pass blocking. During a stretch against Illinois in September, he made a crushing block on a linebacker to protect quarterback Drew Allar and ran over a defender after catching a pass. The two plays prompted Seider to jump up and down on the sideline. “Those are the ways his game has evolved,” Seider said. “He wasn’t a natural receiver his freshman year. We wouldn’t even throw it to him. Now he’s becoming more adept. I’m really proud of that evolution in his game.” Singleton’s leadership also is valuable, especially as a role model to freshmen Corey Smith and Quinton Martin. Although he doesn’t say much, teammates listen when he speaks. “Early on, Nick wasn’t going to talk a lot,” Seider said. “The new Nick, the junior year Nick, has matured. Now Nick will talk. Nick is having fun. Now he understands how to lead. “Nick’s work ethic is like a walk-on trying to be noticed,” he said. “To this day, he’s going to finish every wind sprint first. He’s probably the strongest kid on our team pound for pound. He doesn’t take short cuts. That’s what makes Nick the player he is.” Singleton has a chance to become the first Penn State back with multiple 1,000-yard rushing seasons since Saquon Barkley in 2016-17. He’s averaging 6.4 yards per carry and thriving under first-year offensive coordinator Andy Kotelnicki. He and backfield mate Kaytron Allen have rushed for almost 400 yards the last two games against Oregon and SMU. “They’re so complementary to each other in terms of their skill sets and how we use them,” Kotelnicki said. “They’re impact players. Part of my responsibility is making sure the impact players get the ball. They’re both playing football at the highest level they have this year.” Singleton has been projected to be taken anywhere between the second and fourth round if he enters the 2025 NFL draft. His focus has always been to be the best, so being a first-round pick is important to him. “I always strive for that,” he said. “Coach Seider always says, ‘If you come to Penn State to play running back, you don’t want to go in the second or third round.’ That’s not bad, but you always try to accomplish going in the first round.”

Georgia's Dasha Vidmanova, Columbia's Michael Zheng win NCAA singles titles

By CHRISTINE FERNANDO CHICAGO (AP) — As Donald Trump’s Cabinet begins to take shape, those on both sides of the abortion debate are watching closely for clues about how his picks might affect reproductive rights policy in the president-elect’s second term . Trump’s cabinet picks offer a preview of how his administration could handle abortion after he repeatedly flip-flopped on the issue on the campaign trail. He attempted to distance himself from anti-abortion allies by deferring to states on abortion policy, even while boasting about nominating three Supreme Court justices who helped strike down the constitutional protections for abortion that had stood for half a century. In an NBC News interview that aired Sunday, Trump said he doesn’t plan to restrict medication abortion but also seemed to leave the door open, saying “things change.” “Things do change, but I don’t think it’s going to change at all,” he said. The early lineup of his new administration , including nominations to lead health agencies, the Justice Department and event the Department of Veterans Affairs, has garnered mixed — but generally positive — reactions from anti-abortion groups. Abortion law experts said Trump’s decision to include fewer candidates with deep ties to the anti-abortion movement could indicate that abortion will not be a priority for Trump’s administration. “It almost seems to suggest that President Trump might be focusing his administration in other directions,” said Greer Donley, an associate law professor at the University of Pittsburgh School of Law. Karen Stone, vice president of public policy at Planned Parenthood Action Fund , said while many of the nominees have “extensive records against reproductive health care,” some do not. She cautioned against making assumptions based on Trump’s initial cabinet selections. Still, many abortion rights groups are wary, in part because many of the nominees hold strong anti-abortion views even if they do not have direct ties to anti-abortion activists. They’re concerned that an administration filled with top-level officials who are personally opposed to abortion could take steps to restrict access to the procedure and funding. After Trump’s ambiguity about abortion during his campaign, “there’s still a lot we don’t know about what policy is going to look like,” said Mary Ruth Ziegler, a law professor at the University of California, Davis School of Law. That approach may be revealed as the staffs within key departments are announced. Trump announced he would nominate anti-vaccine activist Robert F. Kennedy Jr. to lead the Health and Human Services Department, which anti-abortion forces have long targeted as central to curtailing abortion rights nationwide. Yet Kennedy shifted on the issue during his own presidential campaign. In campaign videos, Kennedy said he supports abortion access until viability , which doctors say is sometime after 21 weeks, although there is no defined timeframe. But he also said “every abortion is a tragedy” and argued for a national ban after 15 weeks of pregnancy, a stance he quickly walked back. The head of Health and Human Services oversees Title X funding for a host of family planning services and has sweeping authority over agencies that directly affect abortion access, including the Food and Drug Administration and Centers for Medicare and Medicaid Services. The role is especially vital amid legal battles over a federal law known as EMTALA, which President Joe Biden’s administration has argued requires emergency abortion access nationwide, and FDA approval of the abortion pill mifepristone. Mini Timmaraju, president of the national abortion rights organization Reproductive Freedom for All, called Kennedy an “unfit, unqualified extremist who cannot be trusted to protect the health, safety and reproductive freedom of American families.” His potential nomination also has caused waves in the anti-abortion movement. Former Vice President Mike Pence , a staunch abortion opponent, urged the Senate to reject Kennedy’s nomination. Marjorie Dannenfelser, president of the national anti-abortion group Susan B. Anthony Pro-Life America, said the group had its own concerns about Kennedy. “There’s no question that we need a pro-life HHS secretary,” she said. Fox News correspondent Marty Makary is Trump’s pick to lead the FDA, which plays a critical role in access to medication abortion and contraception. Abortion rights groups have accused him of sharing misinformation about abortion on air. Russell Vought , a staunch anti-abortion conservative, has been nominated for director of the Office of Management and Budget. Vought was a key architect of Project 2025 , a right-wing blueprint for running the federal government. Among other actions to limit reproductive rights, it calls for eliminating access to medication abortion nationwide, cutting Medicaid funding for abortion and restricting access to contraceptive care, especially long-acting reversible contraceptives such as IUD’s. Despite distancing himself from the conservative manifesto on the campaign trail, Trump is stocking his administration with people who played central roles in developing Project 2025. Trump acknowledged that drafters of the report would be part of his incoming administration during the Sunday interview with NBC News, saying “Many of those things I happen to agree with.” “These cabinet appointments all confirm that Project 2025 was in fact the blueprint all along, and the alarm we saw about it was warranted,” said Amy Williams Navarro, director of government relations for Reproductive Freedom for All. Dr. Mehmet Oz , Trump’s choice to lead the Centers for Medicare and Medicaid Services, is a former television talk show host who has been accused of hawking dubious medical treatments and products. He voiced contradictory abortion views during his failed Senate run in 2022. Oz has described himself as “strongly pro-life, praised the Supreme Court decision overturning Roe v. Wade , claimed “life starts at conception” and referred to abortion as “murder.” But he also has echoed Trump’s states-rights approach, arguing the federal government should not be involved in abortion decisions. “I want women, doctors, local political leaders, letting the democracy that’s always allowed our nation to thrive to put the best ideas forward so states can decide for themselves,” he said during a Senate debate two years ago. An array of reproductive rights groups opposed his Senate run. As CMS administrator, Oz would be in a key position to determine Medicaid coverage for family planning services and investigate potential EMTALA violations. Related Articles National Politics | In promising to shake up Washington, Trump is in a class of his own National Politics | Election Day has long passed. In some states, legislatures are working to undermine the results National Politics | Trump taps his attorney Alina Habba to serve as counselor to the president National Politics | With Trump on the way, advocates look to states to pick up medical debt fight National Politics | Trump taps forceful ally of hard-line immigration policies to head Customs and Border Protection As Florida’s attorney general, Pam Bondi defended abortion restrictions, including a 24-hour waiting period. Now she’s Trump’s choice for attorney general . Her nomination is being celebrated by abortion opponents but denounced by abortion rights groups concerned she may revive the Comstock Act , an anti-vice law passed by Congress in 1873 that, among other things, bans mailing of medication or instruments used in abortion. An anti-abortion and anti-vaccine former Florida congressman, David Weldon, has been chosen to lead the Centers for Disease Control and Prevention, which collects and monitors abortion data across the country. Former Republican congressman Doug Collins is Trump’s choice to lead the Department of Veterans Affairs amid a political battle over abortion access and funding for troops and veterans. Collins voted consistently to restrict funding and access to abortion and celebrated the overturning of Roe v. Wade. “This is a team that the pro-life movement can work with,” said Kristin Hawkins, president of the national anti-abortion organization Students for Life.TORONTO, Dec. 11, 2024 (GLOBE NEWSWIRE) — Currency Exchange International, Corp. (“Currency Exchange” or the “Company”) (TSX:CXI) (OTCPK:CURN) today announced that Exchange Bank of Canada (“ ” or “ ”) , a federally chartered Canadian Schedule 1 bank and a 100% wholly owned subsidiary of the Company, has filed a notice of appeal with the Federal Court of Canada in relation to the Financial Transactions and Reports Analysis Centre of Canada’s (FINTRAC) notice of administrative monetary penalties of $2.46 million involving the Bank. This administrative action does not assert that EBC has been involved in money laundering or terrorist financing. “EBC takes its compliance, monitoring, and reporting obligations very seriously,” said President and CEO, Randolph Pinna. “We believe that substantial enhancements were implemented in recent years and EBC remains committed to maintaining the highest standards of ethical conduct and regulatory compliance. EBC will continue to ensure our compliance regime keeps pace with evolving standards and industry practices.” EBC is of the opinion that the penalty is not commensurate with the alleged violations. Given that this matter is the subject of an appeal, EBC does not intend to comment further at this time. Currency Exchange International is in the business of providing comprehensive foreign exchange technology and processing services for banks, credit unions, businesses, and consumers in the United States and select clients globally. Primary products and services include the exchange of foreign currencies, wire transfer payments, Global EFTs, and foreign cheque clearing. Wholesale customers are served through its proprietary FX software applications delivered on its web-based interface, www.cxifx.com (“CXIFX”), its related APIs with core banking platforms, and through personal relationship managers. Consumers are served through Group-owned retail branches, agent retail branches, and its e-commerce platform, order.ceifx.com. The Group’s wholly-owned Canadian subsidiary Online FX, Exchange Bank of Canada, based in Toronto, Canada, provides foreign exchange and international payment services in Canada and select international foreign jurisdictions. Customers are served through the use of its proprietary software, (“EBCFX”), related APIs to core banking platforms, and personal relationship managers. For further information please contact: Bill Mitoulas Investor Relations (416) 479-9547 Email: Website:WASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Most Menacing Loan Messengers Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Loan Harassment Hotspots Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Billionaire Bets on Bad Credit Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Lenders Try to Shutter CFPB Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Holidays, Interest Rates Not to Blame Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Methodology The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Veterans struggle to find a path forward The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Some veterans struggle to find homes in their budget High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. Vets with mental health issues most at risk for homelessness For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Get Government & Politics updates in your inbox! Stay up-to-date on the latest in local and national government and political topics with our newsletter.

Kylian Mbappé scored and Real Madrid moved within four points of Spanish league leader Barcelona with a 3-0 win at Leganes on Sunday ahead of its eagerly awaited Champions League match at Liverpool. Federico Valverde and Jude Bellingham also scored to close the gap on Barcelona, which conceded two late goals in a 2-2 draw at Celta Vigo on Saturday. Madrid has played one game less than Barcelona after its match at Valencia was postponed because of the deadly floods in October. Madrid will make the trip to England to face Premier League leader Liverpool on Wednesday in the Champions League, and is hoping to recover from a demoralizing 3-1 home loss against AC Milan in the previous round of matches. Madrid's attack worked well against Leganes with Vinícius Júnior playing inside and Mbappé more on the flank. The France striker scored after going four straight games without finding the net for the Spanish powerhouse. “We switched their positions and the team was able to stay in control during the whole match,” Madrid coach Carlo Ancelotti said. Fourth-place Villarreal scored an equalizer in stoppage time to salvage a 2-2 draw at fifth-place Osasuna. Ante Budimir scored twice in the first 20 minutes for Osasuna. Villarreal, which was coming off three straight victories in all competitions, scored through Álex Baena in the 67th and a penalty kick converted by Gerard Moreno three minutes into injury time. Osasuna, sitting three points behind Villarreal, was coming off a 4-0 loss at Madrid. Also Sunday, Sevilla ended a two-game losing streak in the league with a 1-0 win against Rayo Vallecano, which played the entire second half with 10 men after Unai López was sent off for a hard foul. Published - November 25, 2024 03:14 am IST Copy link Email Facebook Twitter Telegram LinkedIn WhatsApp Reddit Football / sport

Criticism of Israel or the war in Gaza doesn't amount to anti-Semitism, the foreign minister says, as Australia grapples with an increase in the vile sentiment. or signup to continue reading Many in Australia's Jewish community are feeling scared and unsafe and anti-Semitism must be rejected at every turn, Penny Wong says. "We know that cruel acts of anti-Semitism evoke some of the darkest episodes in the history of the Jewish people," she said in a major foreign policy speech at the University of South Australia on Monday night. "We condemn and reject anti-Semitism wherever it occurs - acts of hate have no place in Australia." But people needed to respectfully disagree on points of difference and avoid "misrepresenting views and exaggerating differences" to stop the conflict in the Middle East spurring friction in Australia, she said. "It's not anti-Semitic to expect that Israel should comply with the international law that applies to all countries," Senator Wong said. "Nor is it anti-Semitic to call for children and other civilians to be protected or to call for a two-state solution that enables Israelis and Palestinians to live in peace and security." Her comments followed Israeli Prime Minister Benjamin Netanyahu criticising the Australian government for holding an "extreme anti-Israel position" that he linked to a firebombing of a Melbourne synagogue. Mr Netanyahu and Jewish groups in Australia were critical of the federal government voting in support of a pro-Palestinian motion at the United Nations. The motion was supported by almost 160 members while only a handful, including the United States and Israel, voted against it. Australia's special envoy to combat anti-Semitism, Jillian Segal said it wasn't necessarily anti-Semitic for people to call for a two-state solution or the recognition of Palestinian statehood. The internationally accepted definition of anti-Semitism "makes it clear that criticism of Israel in a form that you would normally criticise another country, like its policies, is fine", she said. "But criticism of Israel, which damns it as a country that should be abolished, that should no longer exist, that all the Jews should disappear - that is anti-Semitic." It was the same definition Senator Wong referenced in her speech as both called for anti-Semitism to transcend politics and for the community to come together after the synagogue attack. People needed to avoid "exploiting the trend towards echo chambers where people only hear bad things about others and don't see for themselves what's good about others", Senator Wong said. In all the discussions of the Middle East, the Jewish community felt like the hostages taken by Hamas - scores of which remain captive in Gaza - have been forgotten. "There are these credibly important souls that have been suffering for an enormous length of time and they need to be at the forefront of our collective thinking to bring them home," Ms Segal said. DAILY Today's top stories curated by our news team. WEEKDAYS Grab a quick bite of today's latest news from around the region and the nation. WEEKLY The latest news, results & expert analysis. WEEKDAYS Catch up on the news of the day and unwind with great reading for your evening. WEEKLY Get the editor's insights: what's happening & why it matters. WEEKLY Love footy? We've got all the action covered. WEEKLY Every Saturday and Tuesday, explore destinations deals, tips & travel writing to transport you around the globe. WEEKLY Going out or staying in? Find out what's on. WEEKDAYS Sharp. Close to the ground. Digging deep. Your weekday morning newsletter on national affairs, politics and more. TWICE WEEKLY Your essential national news digest: all the big issues on Wednesday and great reading every Saturday. WEEKLY Get news, reviews and expert insights every Thursday from CarExpert, ACM's exclusive motoring partner. TWICE WEEKLY Get real, Australia! Let the ACM network's editors and journalists bring you news and views from all over. AS IT HAPPENS Be the first to know when news breaks. DAILY Your digital replica of Today's Paper. Ready to read from 5am! DAILY Test your skills with interactive crosswords, sudoku & trivia. Fresh daily! Advertisement Advertisement

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