Op-Ed
Financial Predators Still Target Active Duty Military

By Charlene Crowell
NNPA Columnist
The men and women who wear our nation’s uniform are expected to defend our nation at home and abroad. Yet, when it comes to financial services, service members are not always been protected in return.
The 2006 Military Lending Act (MLA) was enacted with broad and bipartisan support as a remedy to predatory lending that diminished military readiness. The first major step to provide financial protection to our armed forces was to limit interest rates and fees to no more than 36 percent rate cap for consumer credit. This rate cap initially applied to just three types of products: tax refund loans, and both payday and auto title loans. The law also prescribed limits of indebtedness for payday loans less than 90 days and auto title loans with terms less than 180 days.
MLA’s specific lending prescriptions had the unexpected result of lenders changing loan terms beyond the MLA’s provisions, sometimes by as little as an extra day. While technically observing the letter of the law, these profiteers exploited a lending loophole to continue entrapping active duty service members in predatory lending products.
Last fall, the Department of Defense (DOD) proposed MLA broaden proposed amendments to existing regulations that would better ensure against evasive practices of predatory lending. These proposals are supported by the military community, Congressional leaders, state attorneys general as well as consumer and civil rights groups across the country.
Even so, this year some members of Congress inserted into the 2016 National Defense Authorization Act a short clause that would have given predatory lenders the opportunity to prolong their exploitative practices and also delay in implementing new regulations by the Secretary of Defense. The surprise move also undermined DOD’s previous findings that predatory lending is a threat to our national security.
Fortunately, and largely through the leadership of a veteran, Illinois’ Congresswoman Tammy Duckworth, offered an amendment to the proposed authorization to preserve DOD’s regulatory plans. After 18 hours of debate, enough support was gathered to remove the harmful language.
A 32-30 vote by the House Armed Services Committee removed the harmful language as the measure proceeds to the House floor for a final vote. The Duckworth amendment will enable stronger regulation to move forward. The goal of ensuring effective regulation of predatory lending aimed at active duty military families and will include new safeguards affecting credit cards, high-cost installment loans and payday loans offered by banks that are termed ‘deposit advances.’
Observed Congresswoman Duckworth, “As the Department of Defense and Consumer Financial Protection Bureau’s own reports show, service members have not been fully protected since the MLA was passed, and further delay will put more service members and their families in harm’s way.”
Working with the Office of Service Member Affairs, CFPB published a December report that found:
* Some depository institutions extended millions of dollars in deposit advances to service members with APRs that typically exceeded 300 percent. As open-ended lines of credit, the loans were not bound by the MLA;
* In Illinois, a 12-month auto title loan of $2,575 carried a finance charge of $5,720 plus a $95 lien fee. The loan was technically legal because its duration was beyond 181 days;
* In Texas, a lender sold a $485 installment loan to a service member with a 584.72 APR for a period of less than six months. In addition to the borrower’s $1,428 repayment, the borrower was charged a separate credit access business fee and 9.75 percent interest on the loan.
“The products that have been marketed and extended to service members while the current Military Lending Act regulations have been in place underscore the limitations of those regulations in protecting service members and their families across the credit marketplace,” states CFPB’s report. “This issue is of substantial concern to the Bureau and we will continue to use the tools available to us to address the consumer financial challenges affecting the military community.”
Added Congresswoman Duckworth. “Service Members continue to be vulnerable to abusive lending that causes incredible financial difficulty for them and directly impacts military readiness. Those who work every day to defend our nation deserve the strongest protections our government can provide.”
Rep. Duckworth and other members of the House Armed Services Committee who worked to stop the ploy to delay financial protections for our troops did the right thing at the right time.
Charlene Crowell is a communications manager with the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org.
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Advice
COMMENTARY: If You Don’t Want Your ‘Black Card’ Revoked, Watch What You Bring to Holiday Dinners
From Thanksgiving to Christmas to New Year’s Day, whether it’s the dining room table or the bid whist (Spades? Uno, anyone?) table, your card may be in danger.
By Wanda Ravernell
Post Staff
From the fourth week of November to the first week in January, if you are of African descent, but particularly African American, certain violations of cultural etiquette will get your ‘Black card’ revoked.
From Thanksgiving to Christmas to New Year’s Day, whether it’s the dining room table or the bid whist (Spades? Uno, anyone?) table, your card may be in danger.
It could take until Super Bowl Sunday for reinstatement.
I don’t know much about the card table, but for years I was on probation by the ‘Aunties,’ the givers and takers of Black cards.
How I Got into Trouble
It was 1970-something and I was influenced by the health food movement that emerged from the hippie era. A vegetarian (which was then considered sacrilegious by most Black people I knew) prepared me a simple meal: grated cheese over steamed broccoli, lentils, and brown rice.
I introduced the broccoli dish at the Friday night supper with my aunt and grandfather. She pronounced the bright green broccoli undone, but she ate it. (I did not, of course, try brown rice on them.)
I knew that I would be allowed back in the kitchen when she attempted the dish, but the broccoli had been cooked to death. (Y’all remember when ALL vegetables, not just greens, were cooked to mush?)
My Black card, which had been revoked was then reattained because they ate what I prepared and imitated it.
Over the decades, various transgressions have become normalized. I remember when having a smoked turkey neck instead of a ham hock in collard greens was greeted with mumblings and murmurings at both the dining room and card tables. Then came vegan versions with just olive oil (What? No Crisco? No bacon, at least?) and garlic. And now my husband stir fries his collards in a wok.
But No Matter How Things Have Changed…
At holiday meals, there are assigned tasks. Uncle Jack chopped raw onions when needed. Uncle Buddy made the fruit salad for Easter. My mother brought the greens in winter, macaroni salad in summer. Aunt Deanie did the macaroni and cheese, and the great aunts, my deceased grandmother’s sisters, oversaw the preparation of the roast beef, turkey, and ham. My father, if he were present, did the carving.
These designations/assignments were binding agreements that could stand up in a court of law. Do not violate the law of assignments by bringing some other version of a tried-and-true dish, even if you call it a new ‘cheese and noodle item’ to ‘try out.’ The auntie lawgivers know what you are trying to do. It’s called a menu coup d’état, and they are not having it.
The time for experiments is in your own home: your spouse and kids are the Guinea pigs.
My mother’s variation of a classic that I detested from that Sunday to the present was adding crushed pineapple to mashed sweet potatoes. A relative stops by, tries it, and then it can be introduced as an add-on to the standard holiday menu.
My Aunt Vivian’s concoctions from Good Housekeeping or Ladies’ Home Journal magazine also made it to the Black people’s tables all over the country in the form of a green bean casserole.
What Not to Do and How Did It Cross Your Mind?
People are, of all things holy, preparing mac ‘n’ cheese with so much sugar it tastes like custard with noodles in it.
Also showing up in the wrong places: raisins. Raisins have been reported in the stuffing (makes no sense unless it’s in a ‘sweet meats’ dish), in a pan of corn bread, and – heresy in the Black kitchen – the MAC ‘n’ CHEESE.
These are not mere allegations: There is photographic evidence of these Black card violations, but I don’t want to defame witnesses who remained present at the scene of the crimes.
The cook – bless his/her heart – was probably well-meaning, if ignorant. Maybe they got the idea from a social media influencer, much like Aunt Viv got recipes from magazines.
Thankfully, a long-winded blessing of the food at the table can give the wary attendee time to locate the oddity’s place on the table and plan accordingly.
But who knows? Innovation always prevails, for, as the old folks say, ‘waste makes want.’ What if the leftovers were cut up, dipped in breadcrumbs and deep fried? The next day, that dish might make it to the TV tray by the card table.
An older cousin – on her way to being an Auntie – in her bonnet, leggings, T-shirt, and bunny slippers and too tired to object, might try it and like it….
And if she ‘rubs your head’ after eating it, the new dish might be a winner and (Whew!) everybody, thanks God, keeps their Black cards.
Until the next time.
Alameda County
Seth Curry Makes Impressive Debut with the Golden State Warriors
Seth looked comfortable in his new uniform, seamlessly fitting into the Warriors’ offensive and defensive system. He finished the night with an impressive 14 points, becoming one of the team’s top scorers for the game. Seth’s points came in a variety of ways – floaters, spot-up three-pointers, mid-range jumpers, and a handful of aggressive drives that kept the Oklahoma City Thunder defense on its heels.
By Y’Anad Burrell
Tuesday night was anything but ordinary for fans in San Francisco as Seth Curry made his highly anticipated debut as a new member of the Golden State Warriors. Seth didn’t disappoint, delivering a performance that not only showcased his scoring ability but also demonstrated his added value to the team.
At 35, the 12-year NBA veteran on Monday signed a contract to play with the Warriors for the rest of the season.
Seth looked comfortable in his new uniform, seamlessly fitting into the Warriors’ offensive and defensive system. He finished the night with an impressive 14 points, becoming one of the team’s top scorers for the game. Seth’s points came in a variety of ways – floaters, spot-up three-pointers, mid-range jumpers, and a handful of aggressive drives that kept the Oklahoma City Thunder defense on its heels.
One of the most memorable moments of the evening came before Seth even scored his first points. As he checked into the game, the Chase Center erupted into applause, with fans rising to their feet to give the newest Warrior a standing ovation.
The crowd’s reaction was a testament not only to Seth’s reputation as a sharpshooter but also to the excitement he brings to the Warriors. It was clear that fans quickly embraced Seth as one of their own, eager to see what he could bring to the team’s championship aspirations.
Warriors’ superstar Steph Curry – Seth’s brother – did not play due to an injury. One could only imagine what it would be like if the Curry brothers were on the court together. Magic in the making.
Seth’s debut proved to be a turning point for the Warriors. Not only did he contribute on the scoreboard, but he also brought a sense of confidence and composure to the floor.
While their loss last night, OKC 124 – GSW 112, Seth’s impact was a game-changer and there’s more yet to come. Beyond statistics, it was clear that Seth’s presence elevated the team’s performance, giving the Warriors a new force as they look to make a deep playoff run.
Activism
Essay: Intentional Self Care and Community Connections Can Improve Our Wellbeing
At the deepest and also most expansive level of reality, we are all part of the same being, our bodies made from the minerals of the earth, our spirits infused by the spiritual breath that animates the universe. Willingness to move more deeply into fear and pain is the first step toward moving into a larger consciousness. Willingness to move beyond the delusion of our separateness can show us new ways of working and living together.
By Dr. Lorraine Bonner, Special to California Black Media Partners
I went to a medical school that was steeped in the principles of classical Western medicine. However, I also learned mindfulness meditation during that time, which opened me to the multifaceted relationship between illnesses and the interconnecting environmental, mental and emotional realities that can impact an individual’s health.
Therefore, when I began to practice medicine, I also pursued training in hypnosis, relaxation techniques, meditation, and guided imagery, to bring a mind-body focus to my work in medical care and prevention.
The people I saw in my practice had a mix of problems, including high blood pressure, diabetes, and a variety of pain issues. I taught almost everyone relaxation breathing and made some general relaxation tapes. To anyone willing, I offered guided imagery.
“My work embraced an approach to wellness I call “Liberatory Health” — one that not only addresses the treatment and management of disease symptoms but also seeks to dismantle the conditions that make people sick in the first place.”
From my perspective, illness is only the outermost manifestation of our efforts to cope, often fueled by addictions such as sugar, tobacco, or alcohol, shackled by an individualistic cult belief that we have only ourselves to blame for our suffering.
At the deepest and also most expansive level of reality, we are all part of the same being, our bodies made from the minerals of the earth, our spirits infused by the spiritual breath that animates the universe. Willingness to move more deeply into fear and pain is the first step toward moving into a larger consciousness. Willingness to move beyond the delusion of our separateness can show us new ways of working and living together.
To put these ideas into practical form, I would quote the immortal Mr. Rogers: “Find the helpers.” There are already people in every community working for liberation. Some of them are running for office, others are giving food to those who need it. Some are volunteering in schools, libraries or hospitals. Some are studying liberation movements, or are working in urban or community gardens, or learning to practice restorative and transformative justice, or creating liberation art, music, dance, theater or writing. Some are mentoring high schoolers or apprenticing young people in a trade. There are many places where compassionate humans are finding other humans and working together for a better world.
A more compassionate world is possible, one in which we will all enjoy better health. Creating it will make us healthier, too.
In community, we are strong. Recognizing denial and overcoming the fragmenting effects of spiritual disorder offer us a path to liberation and true health.
Good health and well-being are the collective rights of all people!
About the Author
Dr. Lorraine Bonner is a retired physician. She is also a sculptor who works in clay, exploring issues of trust, trustworthiness and exploitation, as well as visions of a better world.
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