A thread for Democrats Only
POSTED BY: THGRRI
UPDATED: Sunday, September 6, 2026 15:36
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Sumthing haz me a little worried.
Wut if Putin haz dirt on Bernie?
The evidens for that iz paper thin now, but wut if?
Its an alternate explanation to the theory that they are boosting Bernie kuz they think he will be eazy for Trump to beat.
Insted, depending on exactly wut the dirt iz, Putin cant looz if Bernie iz the candidate. He may still prefer Trump, but coud at least work with a komprimized Bernie.
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DUZ XaT SEM RiT TQ YQ? - Jubal Early
http://www.7532020.com .
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T 
Deep state describes dedicated, educated professionals. 
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Brett Kavanaugh does not approve of the Consumer Financial Protection Bureau
https://qz.com/1811652/
Today, the US Supreme Court is hearing arguments about the Consumer Financial Protection Bureau (CFPB).
Ironically, this agency that protects Americans from predatory lenders now needs help. It has a “friend of the court” assigned to advocate on its behalf, having been abandoned by its own director, appointed by Trump, in a supreme legal challenge that could unravel a decade of the bureau’s work.
The CFPB is the brainchild of Massachusetts senator Elizabeth Warren. It was created by the 2010 Dodd–Frank Wall Street Reform and Consumer Protection Act. Under that law, the agency director is appointed for five years and can only be removed by the president “for cause.” This single director’s fixed term is meant to ensure that the CFPB chief can act on behalf of consumers, insulated from political concerns.
Indeed, during its decade or so of existence, the agency has collected billions of dollars and shut down numerous scams.
The agency’s leadership structure is being challenged by a law firm the CFPB was investigating, and things don’t look great for the bureau designed to protect the people. Not only is the agency siding with the challengers against itself, but one of the justices who will decide this case—Brett Kavanaugh—has already made it abundantly clear he’s no CFPB fan.
The right to say “you’re fired!”
Seila Law, a California-based law firm involved in consumer-debt cases that was under investigation by the CFPB, challenged the agency’s leadership structure in court in 2017. The firm argues that the CFPB is unconstitutionally composed because its director’s fixed five-year term allowing only removal for cause violates constitutional “separation of powers” requirements. The Dodd Frank reforms passed by Congress, which then created the CFPB, rob the president of power granted by the Constitution to fire any officers for whatever reason or none at all, it contends.
The Trump administration agrees with this view, perhaps unsurprisingly given its high turnover rate and the president’s “you’re fired!” catchphrase from his reality TV show days. The commander-in-chief is not shy about firing people and it appears his administration believes it’s an executive’s constitutional right. Under CFPB director Kathy Kraninger, Trump’s 2018 appointee, the agency is siding with Seila Law on the merits.
Thus, justice Elena Kagan appointed a lawyer to stand for the orphaned bureau before the Supreme Court. Somewhat counterintuitively, she chose Paul Clement, who last week argued his 100th high court case representing a company seeking to build a pipeline under the Appalachian Trail.
A partner at the law firm Kirkland and Ellis, former solicitor general under president George W. Bush, and a longtime champion of conservative causes, Clement’s “defense of the consumer bureau … put[s] him at odds—at least in this case—with groups such as the US Chamber of Commerce and others that have questioned the power of the CFPB director,” Law.com has noted.
But Amy Howe of SCOTUSBlog suggested to Quartz that Clement was a strategic choice, someone conservatives can’t easily dismiss. Appointing him may have been a way to depoliticize an ideologically divisive matter—conservatives don’t like the CFPB and progressives, like Warren who created it, do. But conservatives and business do like Clement and he’s considered a talented advocate, so he’ll zealously represent the agency progressives champion.
Individual liberty and the executive check
The orphaned agency faces another serious challenge though. Clement must convince Kavanaugh he is wrong.
In 2016, before Kavanaugh was appointed to the Supreme Court by Trump, he wrote about the CFPB as a judge on the DC Circuit Court of Appeals. In PHH Corporation v. CFPB, similar issues arose when a mortgage lender challenged the agency. Kavanaugh framed the case creatively, finding the single-director fixed-term structure is an assault on individual liberty.
Essentially
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Quote:
Originally posted by second:
Brett Kavanaugh does not approve of the Consumer Financial Protection Bureau
https://qz.com/1811652/
Today, the US Supreme Court is hearing arguments about the Consumer Financial Protection Bureau (CFPB).
Ironically, this agency that protects Americans from predatory lenders now needs help. It has a “friend of the court” assigned to advocate on its behalf, having been abandoned by its own director, appointed by Trump, in a supreme legal challenge that could unravel a decade of the bureau’s work.
The voter base is shifting in a big way now. Soon the Trump voter will no longer have the numbers to scratch an itch. Texas in on the verge of flipping and may do so this very election. Judges can be impeached.
tick tock
T
Deep state describes dedicated, educated professionals.
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Why does Trump want to close the Consumer Financial Protection Bureau?
It is easy to see why once you look at who is cheating who out of their money.
https://qz.com/1139249/
The agency’s own list of enforcement actions provides a guide to the most popular ways lenders and collection agencies have been creatively cheating US customers over the past seven years. Here’s a look at some recurring scams:
1) Fake debt collection
The CFPB receives more complaints about illegal debt collection than anything else, and it is a growing problem in America. Unscrupulous companies buy information from banks about loans that are too old to collect, or not even owed, and then hound consumers into paying them back with illegal lawsuits and other threats, often with exorbitant fees attached.
The CFPB has investigated and fined 33 different companies for unscrupulous debt collection practices.
In September, the CFPB forced the National Collegiate Student Loan Trusts to pay $19.1 million back to consumers for “private student loan debt that the companies couldn’t prove was owed or was too old to sue over.” In October of 2016, it sued to shut down Northern Resolution Group, a Buffalo group accused of harassing, threatening, and deceiving “millions” of consumers across the country into paying debts they didn’t owe. And in July of 2015, JP Morgan Chase was required to refund $50 million to consumers for selling “zombie debt” to collectors that was “inaccurate, settled, discharged in bankruptcy, not owed, or otherwise not collectible.”
2) Tricking student borrowers into paying more
The CFPB has investigated and fined 14 lenders for over-charging student borrowers, lying to them about loan rates, and misrepresenting themselves as having a relationship with the federal government. Citibank, for example, was ordered in September to return $3.75 million to student borrowers that it had charged in late fees and interest while they were still in school. (Student loan borrowers can defer payments until they graduate).
In August of 2016, the agency required for-profit education company Bridgepoint to refund $23.5 million to students that it had “deceived” into taking out loans that were more expensive than advertised. And in July of 2015, it forced Discover Bank to refund $16 million to student borrowers for inflating their minimum payments.
3) Charging minorities more for car loans
Auto lending in the US has skyrocketed in recent years, including to borrowers without good credit history. Economists and bank analysts see some parallels between the subprime mortgage crash that caused the 2008 recession and the frothy auto loan market. Just as with mortgages then, there are plenty of unscrupulous practices happening in auto lending now.
The CFPB has filed 13 judgements against lenders and debt collectors related to auto loans.
In February of 2016, Toyota Motor Credit was forced to pay $21.9 million back to “thousands of African-American and Asian and Pacific Islander borrowers who paid higher interest rates than white borrowers for their auto loans, without regard to their creditworthiness.” In Sept. of 2015, Fifth Third Bank was required to pay $18 million to African-American and Hispanic auto loan customers who were charged, on average, $200 more per car loan than white borrowers with similar credit history.
4) Starting fake accounts
In September 2016, the CFPB fined Wells Fargo $100 million after it opened an estimated two million unauthorized credit card and deposit accounts, and then billed customers fees through existing accounts. This is the largest fine ever paid to the CFPB.
Beyond the CFPB, in some ways it has become easier for banks to rip off US customers since the subprime crisis. A growing number of big banks include language in the fine print of checking account applications that requires customers to rely on private arbitration to settle disputes, for example. In October, the US Senate killed a rule that would made it easier for bank customers to file class action suits.
Profits at big ba
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Quote:
Originally posted by THG:Quote:
Originally posted by second:
Brett Kavanaugh does not approve of the Consumer Financial Protection Bureau
https://qz.com/1811652/
Today, the US Supreme Court is hearing arguments about the Consumer Financial Protection Bureau (CFPB).
Ironically, this agency that protects Americans from predatory lenders now needs help. It has a “friend of the court” assigned to advocate on its behalf, having been abandoned by its own director, appointed by Trump, in a supreme legal challenge that could unravel a decade of the bureau’s work.
The voter base is shifting in a big way now. Soon the Trump voter will no longer have the numbers to scratch an itch. Texas in on the verge of flipping and may do so this very election. Judges can be impeached.
tick tock
T
Deep state describes dedicated, educated professionals.
lol. Is that what the Legacy Media is telling you now?
Poor, poor T...
Enjoy the summer, because it's going to be a very long winter for you.
Do Right, Be Right. :)
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Quote:
Originally posted by JO753:
Sumthing haz me a little worried.
Wut if Putin haz dirt on Bernie?
The evidens for that iz paper thin now, but wut if?
Its an alternate explanation to the theory that they are boosting Bernie kuz they think he will be eazy for Trump to beat.
Insted, depending on exactly wut the dirt iz, Putin cant looz if Bernie iz the candidate. He may still prefer Trump, but coud at least work with a komprimized Bernie.
----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early
http://www.7532020.com .
Bernie for President would be like having Putin for President.
Read a book.
Do Right, Be Right. :)
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Blowout, Chapter 28 www.amazon.com/Blowout-Corrupted-Democracy-Destructive-Industry-ebook/
dp/B07Q18953R/
What is the point of outrage at oil and gas producers? What good can possibly come of it? It’s like being indignant when a lion takes down and eats a gazelle. You can’t really blame the lion. It’s who he is; it’s in his nature.
The nature of Big Oil and Gas hasn’t much changed since its inception at the end of the nineteenth century. The entire point, and therefore the controlling instinct and the base ethos, is to make money—as much money as possible. That’s true in theory for every industry, but the amount of money potentially at hand for producers of oil and gas sets these particular products apart from every other low-tech filthy widget in the world. Combine that with the inherently destructive and polluting nature of production, and you end up in a relentlessly, recklessly driven cost-cutting environment in which it’s probably mathematically worth it to try to get away with almost anything. In the most profit-making industry on earth, there is still no meaningful R&D investment in cleanup technology, nor has there ever been any measurable slowdown in the pace or number of disasters that need cleaning up.
And it is in the nature of the beast to go get those barrels, so long as there is money to be made. In fact, the breakthrough technologies of hydraulic fracking and horizontal drilling in the last generation have made the industry more energetically predatory than ever before. And even more delusional. “Every time we can’t drill a well in America, terrorism is being funded,” Harold Hamm said at the 2016 Republican National Convention. “Every onerous regulation puts American lives at risk.” This is an industry that has demanded and received special treatment for more than a century and regards this private right as its due. But even if “energy independence” is our international relations insurance policy and the safety of our energy supply is a core national security issue, why are oil and gas the only energy sources to which those imperatives redound? Why are oil and gas the only energy sources seen as appropriate tools to reach these two national goals? Heaven forbid the government instead offers breaks and incentives to, say, renewable energy. Then suddenly the industry becomes the champion of the free market. Government should not be in the business of picking winners!
The oil and gas industry, as ever, is wholly incapable of any real self-examination, or of policing or reforming itself. Might as well ask the lions to take up a plant-based diet. If we want the most powerful and consequential industry on our planet to operate safely, and rationally, and with actual accountability, well, make it. It’s not mission-to-Mars complicated either, but it works.
The Joss Whedon script for Serenity, where Wash lives, is Serenity-190pages.pdf at www.mediafire.com/folder/1uwh75oa407q8/Firefly
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T
Deep state describes dedicated, educated professionals. 
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Hand sanitizer applied to your balding scalp isn't going to undo years of what Maddow's done to your brain space.
You need a colonic in your ear canal to fix what ails you, buddy. 
Do Right, Be Right. :)
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