Activism
California Attorney General Joins Coalition Pushing Back on “Pay to Pay” Mortgage Fees
“Some financial service providers charge fees if a consumer decides to use a certain type of payment method, such as making a payment over the telephone, through a website, or through a third-party service,” Bonta and other attorneys general wrote in a letter they co-signed addressed to Rohit Chopra, Director, Consumer Financial Protection Bureau (CFPB). The Hawaii Office of Consumer Protection also signed the letter.

By Antonio Ray Harvey, California Black Media
Last week, California Attorney General Rob Bonta called on the federal government to outlaw additional fees companies charge homeowners for paying their mortgages.
California is joining 20 other states and the District of Columbia in the effort.
“Some financial service providers charge fees if a consumer decides to use a certain type of payment method, such as making a payment over the telephone, through a website, or through a third-party service,” Bonta and other attorneys general wrote in a letter they co-signed addressed to Rohit Chopra, Director, Consumer Financial Protection Bureau (CFPB). The Hawaii Office of Consumer Protection also signed the letter.
“While these type of ‘pay to pay’ fees are charged by service providers in several different markets, the issues raised by these fees are particularly insidious in the mortgage industry because, unlike most marketplaces, homeowners have no choice in their mortgage servicer,” the letter continued.
When homeowners decide to take out a mortgage, many believe that they are entering into a long-term relationship with a specific financial institution. That is not always the case, according to the California Department of Justice (DOJ).
After origination “many mortgage loans and their servicing rights are sold in secondary markets,” and could be “sold many times over the course of the loan,” the DOJ states.
“This means that homeowners don’t and can’t know who will service their mortgage loan and are therefore unable to avoid ‘pay to pay’ fees by taking their business elsewhere,” The DOJ explained.
Bonta said the problem is critical in California because the state is already facing a housing affordability problem.
“As costs of living continue to rise, the last thing Californians need is mortgage servicers taking advantage of this captive market in order to pad their bottom lines,” Bonta said. “I urge CFPB to put a stop to these abusive junk fees.”
Homeowners and renters in California struggle with the costs of housing costs and taxes. Additional fees companies tack onto payments increase those burdens on consumers in the Golden State, where only about 31% of households can afford to buy a median-priced home, according to the Public Policy Institute of California.
African American homeowners in California also potentially face increased costs due to documented discriminatory practices common in the homebuying and selling processes.
Last year, Gov. Gavin Newsom signed Assembly Bill (AB) 948 after several reports revealed home appraisers valued homes owned by Blacks and other minorities at much lower prices than ones owned by Whites.
Wells Fargo has come under fire more than once for its discriminatory lending and banking services. According to findings of a Bloomberg News analysis released last month, the global San Francisco-based financial services company rejected 53% of Black homeowners who applied for refinancing loans during the pandemic in 2020. It only rejected 28% of white applicants.
The board of the California-Hawaii State Conference of the NAACP met this weekend to discuss Wells Fargo’s record on providing its services to African American customers.
Among the country’s major lenders, Wells Fargo’s gap between Whites and Blacks the company approved for loans was the widest.
According to Zillow’s Consumer Housing Trends Report released last year, Black and other minority renters pay more in application fees and security deposits when renting apartments. They also fill out more rental applications, on average, before finding a place to live than white renters.
The multi-state coalition’s letter says, “There is no uniformity in convenience fees among mortgage servicers. Some charge them and some don’t.”
And the charges can add up.
For example, the letter spotlights one servicer that currently charges its borrowers $7.50 to make an online payment or pay via telephone through an automated service. If consumers want to speak to a live operator to make their payment, they will be charged $17.50.
Based out of New Jersey, the mortgage company that provides this service calls the process “SpeedPay,” which is one of the “one-time payment options” that a borrower may use to make his or her monthly mortgage payment, as stated on the company’s website.
States joining the initiative are Illinois, California, Colorado, Connecticut, Delaware, the District of Columbia, Hawaii, Iowa, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, Rhode Island, and Washington.
Bonta agrees, adding that the payments are “one example of junk fees charged to consumers in a multitude of financial products and services” offered by some banks, credit card companies, pre-paid debit card providers and others.
“For struggling homeowners trying to make their monthly mortgage payment, ‘pay to pay’ fees only rub salt in the wound,” said the California Attorney General.
Activism
Oakland Post: Week of May 21 – 27, 2025
The printed Weekly Edition of the Oakland Post: Week of May 21 – 27, 2025

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Activism
OPINION: Your Voice and Vote Impact the Quality of Your Health Care
One of the most dangerous developments we’re seeing now? Deep federal cuts are being proposed to Medicaid, the life-saving health insurance program that covers nearly 80 million lower-income individuals nationwide. That is approximately 15 million Californians and about 1 million of the state’s nearly 3 million Black Californians who are at risk of losing their healthcare.

By Rhonda M. Smith, Special to California Black Media Partners
Shortly after last year’s election, I hopped into a Lyft and struck up a conversation with the driver. As we talked, the topic inevitably turned to politics. He confidently told me that he didn’t vote — not because he supported Donald Trump, but because he didn’t like Kamala Harris’ résumé. When I asked what exactly he didn’t like, he couldn’t specifically articulate his dislike or point to anything specific. In his words, he “just didn’t like her résumé.”
That moment really hit hard for me. As a Black woman, I’ve lived through enough election cycles to recognize how often uncertainty, misinformation, or political apathy keep people from voting, especially Black voters whose voices are historically left out of the conversation and whose health, economic security, and opportunities are directly impacted by the individual elected to office, and the legislative branches and political parties that push forth their agenda.
That conversation with the Lyft driver reflects a troubling surge in fear-driven politics across our country. We’ve seen White House executive orders gut federal programs meant to help our most vulnerable populations and policies that systematically exclude or harm Black and underserved communities.
One of the most dangerous developments we’re seeing now? Deep federal cuts are being proposed to Medicaid, the life-saving health insurance program that covers nearly 80 million lower-income individuals nationwide. That is approximately 15 million Californians and about 1 million of the state’s nearly 3 million Black Californians who are at risk of losing their healthcare.
Medicaid, called Medi-Cal in California, doesn’t just cover care. It protects individuals and families from medical debt, keeps rural hospitals open, creates jobs, and helps our communities thrive. Simply put; Medicaid is a lifeline for 1 in 5 Black Americans. For many, it’s the only thing standing between them and a medical emergency they can’t afford, especially with the skyrocketing costs of health care. The proposed cuts mean up to 7.2 million Black Americans could lose their healthcare coverage, making it harder for them to receive timely, life-saving care. Cuts to Medicaid would also result in fewer prenatal visits, delayed cancer screenings, unfilled prescriptions, and closures of community clinics. When healthcare is inaccessible or unaffordable, it doesn’t just harm individuals, it weakens entire communities and widens inequities.
The reality is Black Americans already face disproportionately higher rates of poorer health outcomes. Our life expectancy is nearly five years shorter in comparison to White Americans. Black pregnant people are 3.6 times more likely to die during pregnancy or postpartum than their white counterparts.
These policies don’t happen in a vacuum. They are determined by who holds power and who shows up to vote. Showing up amplifies our voices. Taking action and exercising our right to vote is how we express our power.
I urge you to start today. Call your representatives, on both sides of the aisle, and demand they protect Medicaid (Medi-Cal), the Affordable Care Act (Covered CA), and access to food assistance programs, maternal health resources, mental health services, and protect our basic freedoms and human rights. Stay informed, talk to your neighbors and register to vote.
About the Author
Rhonda M. Smith is the Executive Director of the California Black Health Network, a statewide nonprofit dedicated to advancing health equity for all Black Californians.
Activism
OPINION: Supreme Court Case Highlights Clash Between Parental Rights and Progressive Indoctrination
At the center of this controversy are some parents from Montgomery County in Maryland, who assert a fundamental principle: the right to shield their children from exposure to sexual content that is inappropriate for their age, while also steering their moral and ethical upbringing in alignment with their faith. The local school board decided to introduce a curriculum that includes LGBTQ+ themes — often embracing controversial discussions of human sexuality and gender identity.

By Craig J. DeLuz, Special to California Black Media Partners
In America’s schools, the tension between parental rights and learning curricula has created a contentious battlefield.
In this debate, it is essential to recognize that parents are, first and foremost, their children’s primary educators. When they send their children to school — public or private — they do not surrender their rights or responsibilities. Yet, the education establishment has been increasingly encroaching on this vital paradigm.
A case recently argued before the Supreme Court regarding Maryland parents’ rights to opt out of lessons that infringe upon their religious beliefs epitomizes this growing conflict. This case, Mahmoud v. Taylor, is not simply about retreating from progressive educational mandates. It is fundamentally a defense of First Amendment rights, a defense of parents’ rights to be parents.
At the center of this controversy are some parents from Montgomery County in Maryland, who assert a fundamental principle: the right to shield their children from exposure to sexual content that is inappropriate for their age, while also steering their moral and ethical upbringing in alignment with their faith. The local school board decided to introduce a curriculum that includes LGBTQ+ themes, often embracing controversial discussions of human sexuality and gender identity. The parents argue that the subject matter is age-inappropriate, and the school board does not give parents the option to withdraw their children when those lessons are taught.
This case raises profound questions about the role of public education in a democratic society. In their fervent quest for inclusivity, some educators seem to have overlooked an essential truth: that the promotion of inclusivity should never infringe upon parental rights and the deeply held convictions that guide families of different faith backgrounds.
This matter goes well beyond mere exposure. It veers into indoctrination when children are repeatedly confronted with concepts that clash with their family values.
“I don’t think anybody can read that and say: well, this is just telling children that there are occasions when men marry other men,” noted Justice Samuel Alito. “It has a clear moral message, and it may be a good message. It’s just a message that a lot of religious people disagree with.”
Justice Amy Coney Barrett raised a crucial point, noting that it is one thing to merely expose students to diverse ideas; it is quite another to present certain viewpoints as indisputable truths. By framing an ideology with the certainty of “this is the right view of the world,” educators risk indoctrination rather than enlightenment. This distinction is not merely academic; it speaks to the very essence of cultivating a truly informed citizenry.
Even Justice Elena Kagan expressed concern regarding the exposure of young children to certain materials in Montgomery County.
“I, too, was struck by these young kids’ picture books and, on matters concerning sexuality, I suspect there are a lot of non-religious parents who weren’t all that thrilled about this,” she said.
Justice John Roberts aptly questioned the practicality of expecting young children to compartmentalize their beliefs in the classroom.
“It is unreasonable to expect five-year-olds, still forming their worldviews, to reconcile lessons that conflict fundamentally with the teachings they receive at home,” he said.
As was noted in my previous commentary, “The Hidden Truth In The Battle Over Books In American Schools”, what lies at the heart of these debates is a moral disconnect between the values held by the majority of Americans and those promoted by the educational establishment. While the majority rightly argue that material containing controversial content of a sexual nature should have no place in our children’s classrooms, the education establishment continues to tout the necessity of exposing children to such content under the guise of inclusivity. This disregards the legitimate values held by the wider community.
Highlighted in this case that is before the Supreme Court is a crucial truth: parents must resolutely maintain their right to direct their children’s education, according to their values. This struggle is not simply a skirmish; it reflects a broader movement aimed at reshaping education by privileging a state-sanctioned narrative while marginalizing dissenting voices.
It is imperative that we assert, without hesitation, that parents are — and must remain — the primary educators of their children.
When parents enroll a child in a school, it should in no way be interpreted as a relinquishment of parental authority or the moral guidance essential to their upbringing. We must stand firm in defending parental rights against the encroaching ideologies of the education establishment.
About the Author
Craig J. DeLuz has almost 30 years of experience in public policy and advocacy. He has served as a member of The Robla School District Board of Trustees for over 20 years. He also currently hosts a daily news and commentary show called “The RUNDOWN.” You can follow him on X at @CraigDeLuz.
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