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Posted
11 hours ago, Francisco 2.0 said:

 

 

My biggest disappointment is that I will never live to see a full throated no fucks given response by a gloves off Democratic party, even if we ever have have another  national election.  It will be “we need to go back to decorum and have Liz Cheney as secretary of defense so we can heal” type response. Just once before I die  I want to see the Pubs get a taste of their medicine.  Oh well. 

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Posted
1 minute ago, Horn Dog said:

My biggest disappointment is that I will never live to see a full throated no fucks given response by a gloves off Democratic party, even if we ever have have another  national election.  It will be “we need to go back to decorum and have Liz Cheney as secretary of defense so we can heal” type response. Just once before I die  I want to see the Pubs get a taste of their medicine.  Oh well. 

Who gives a shit about words?  Even Lincoln said "With malice toward none, with charity for all, with firmness in the right as god gives us to see the right...

Of course, he had overseen the eradication of around 250-300K traitors to the Union by that point.

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Posted (edited)
4 minutes ago, Francisco 2.0 said:

 

 

It's really fairly astonishing that the GOP has managed to so completely vilify an agency whose mission is to protect consumers from rapacious corporate practices.  I mean, it's right there in the name.

One can certainly understand why the robber barons hate it, but somehow they have convinced their victims to hate it too.

Mind bottling.

Edited by TwiceHorn
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Posted (edited)
1 hour ago, Horn Dog said:

My biggest disappointment is that I will never live to see a full throated no fucks given response by a gloves off Democratic party, even if we ever have have another  national election.  It will be “we need to go back to decorum and have Liz Cheney as secretary of defense so we can heal” type response. Just once before I die  I want to see the Pubs get a taste of their medicine.  Oh well. 

Yeah I get what you’re saying but unless you’re the 1% of the 1% the Pubs are definitely getting a taste of something more rancid than the Dems could ever provide.  Sure most won’t ever admit it and maybe they don’t even know it, but their lives are gonna be significantly worse and that may not be much, but it should provide some solace. 
 

*heads back to the leopards thread*

Edited by ChiTownDoc
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Posted
1 hour ago, Surly Bevo said:

Who gives a shit about words?  Even Lincoln said "With malice toward none, with charity for all, with firmness in the right as god gives us to see the right...

Of course, he had overseen the eradication of around 250-300K traitors to the Union by that point.

Oh, I was not talking about words!  I want to see the next Dem administration enact actions as severe if not worse to these traitors.

Posted
59 minutes ago, TwiceHorn said:

It's really fairly astonishing that the GOP has managed to so completely vilify an agency whose mission is to protect consumers from rapacious corporate practices.  I mean, it's right there in the name.

One can certainly understand why the robber barons hate it, but somehow they have convinced their victims to hate it too.

Mind bottling.

It's really not all that surprising when you realize the Republican Party's raison d'être is to help the rich. Their faux populism and culture war bullshit mask the real goal of siphoning money from people who need it to those who don't.

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Posted
1 hour ago, TwiceHorn said:

It's really fairly astonishing that the GOP has managed to so completely vilify an agency whose mission is to protect consumers from rapacious corporate practices.  I mean, it's right there in the name.

One can certainly understand why the robber barons hate it, but somehow they have convinced their victims to hate it too.

Mind bottling.

Oh, and if you want to know why the people being hurt the most buy into their bullshit, look no further than Fox News. 

Posted (edited)
1 hour ago, TwiceHorn said:

It's really fairly astonishing that the GOP has managed to so completely vilify an agency whose mission is to protect consumers from rapacious corporate practices.  I mean, it's right there in the name.

One can certainly understand why the robber barons hate it, but somehow they have convinced their victims to hate it too.

Mind bottling.

Same battlecry as the anti-union crowd. "They raise your prices!"

Keep your voting base poor, so they can barely afford to exist. Maintain economic control over their mind.

Blame the entity that actually tries to protect them, or the one that does not affect them at all.

Quote

CFPB's positive impact on American lives:

  • Enforcement Actions:

    • In 2023, the CFPB filed 29 enforcement actions and resolved 6 previously filed lawsuits.
    • These actions resulted in orders for lawbreakers to pay approximately $3.07 billion to compensate harmed consumers.
    • Additionally, they imposed approximately $498 million in civil money penalties.
  • Consumer Relief:

    • The CFPB has secured over $17.5 billion in monetary compensation, principal reductions, canceled debts, and other consumer relief through enforcement and supervision work.
    • This relief has impacted an estimated 200 million consumer accounts.
  • Fines and Penalties:

    • The CFPB has imposed over $4 billion in civil money penalties on companies and individuals violating consumer financial protection laws.
    • This money is deposited into the victim's relief fund, providing compensation to those harmed.
  • Complaint Handling:

    • The CFPB has handled over 4 million consumer complaints, sending them to companies for response on behalf of consumers.
    • The CFPB's Consumer Complaint Database has published over 3.8 million of those complaints.
  • Rulemaking and Industry Guidance:

    • The CFPB has implemented rules that are projected to save Americans $5.5 billion annually by cracking down on banking junk fees.
    • They have also banned excessive credit card late fees, potentially saving Americans $9 billion per year.

The CFPB has secured victories in cases involving a wide range of violations of consumer financial protection laws. The CFPB secures settlements or judgments that often involve financial penalties, required changes in business practices, and restitution for consumers. 

Credit Reporting:

  • Inaccurate Reporting: Cases involving furnishers (those who provide data to credit bureaus) failing to provide accurate information, leading to errors on consumer credit reports.
  • Improper Furnishing: Violations of the Fair Credit Reporting Act (FCRA) related to furnishing information when required or failing to properly investigate disputed information.
  • Background Screening Reports: Enforcement related to the use of credit reports for employment screening purposes, ensuring compliance with the FCRA.

Debt Collection:

  • Debt Harassment: Actions against debt collectors who engage in abusive or harassing tactics, violating the Fair Debt Collection Practices Act (FDCPA).
  • False or Misleading Representations: Cases where debt collectors make false claims about the amount owed or the legal consequences of non-payment.
  • Failure to Validate Debts: Enforcement actions against debt collectors who fail to properly validate debts when consumers dispute them.

Mortgages:

  • Servicing Failures: Cases involving mortgage servicers who fail to properly handle escrow accounts, provide accurate loan information, or comply with foreclosure rules.
  • Predatory Lending: Actions against lenders who engage in deceptive or unfair lending practices, such as offering loans with excessively high interest rates or hidden fees.
  • RESPA Violations: Enforcement of the Real Estate Settlement Procedures Act, addressing issues like illegal kickbacks and undisclosed fees in the mortgage process.

Student Loans:

  • Servicing Misconduct: Actions against student loan servicers who mislead borrowers about repayment options, fail to process payments correctly, or engage in other harmful practices.
  • Debt Collection Practices: Cases involving student loan debt collectors who violate the FDCPA.

Payday Lending and Small-Dollar Loans:

  • Abusive Lending Practices: Enforcement against payday lenders who charge excessively high interest rates and fees, trapping borrowers in a cycle of debt.
  • Lack of Transparency: Actions against lenders who fail to clearly disclose the terms and costs of their loans.

Financial Products and Services:

  • Deceptive Marketing: Cases involving companies that use deceptive or misleading marketing tactics to sell financial products or services.
  • Unfair or Deceptive Acts or Practices (UDAP): The CFPB's broad authority to address UDAP allows them to take action against a wide range of unfair, deceptive, or abusive practices in the financial marketplace. This can include things like hidden fees, misleading terms, and unfair contract provisions.
  • Privacy Violations: Enforcement of laws related to the protection of consumer financial information.

Other Areas:

  • Fair Lending: Enforcement of fair lending laws to prevent discrimination in lending based on race, ethnicity, gender, or other protected characteristics.
  • Prepaid Cards: Regulations and enforcement related to prepaid cards, ensuring consumer protections and transparency
Edited by pacman
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Posted
Cryptocurrency scams cost Texans the most in 2024, BBB says
 
Facebook(Meta) is doing very little in two keys areas, helping to protect against the above for cryptocurrency and child exploitation on Instagram.
Inside the war on child exploitation | Cybernews

In this American era, fostering and protecting fraud and grift is a feature, not a bug.
“Other people” are just a target from which wealth can be extracted, by any and all means. There is no moral or ethical code that overrides it: obtaining wealth is proof that whatever you did was actually good, because there is no “good” other than “accumulate wealth and power.”
How do you know if a man is good and should be admired? It’s simple: is he wealthy? Then he is good.
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Posted

0ckysxv0phge1.png


Should have pulled himself up by the bootstraps instead of wallowing in his sickness. Someone has to pay for some CEOs 9 figure bonus, if you aren’t able to pay the pizzo then you deserve what you get.
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Posted (edited)

I would of asked that kid for his ID and then called ICE when he couldn’t prove his citizenship.  Maybe an anchor baby.

Edited by Horn Dog
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Posted
37 minutes ago, hookem2010 said:

Just got this from my wife. Round Rock, TX. My wife is of Asian descent, born in the US and raised by a white family, with an advanced medical degree. But she's the one who doesn't belong.

Screenshot_20250201_114019_Messages.thumb.jpg.fd7c6ac6df5370301f044e02a3e73ced.jpg

Pic of wife didn't load.....

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Posted
51 minutes ago, hookem2010 said:

Just got this from my wife. Round Rock, TX. My wife is of Asian descent, born in the US and raised by a white family, with an advanced medical degree. But she's the one who doesn't belong.

Screenshot_20250201_114019_Messages.thumb.jpg.fd7c6ac6df5370301f044e02a3e73ced.jpg

Well little fella, which is it?  

Posted
The final goal is to leave and live on a private island with private military support etc.  For the billionaire class.  First, you have to ransack this country before you leave it's bloated corpse behind.  Then the next step is to finish off the earth and head to space.  If you don't think that's the plan, you're not paying attention.  

100% this.
When envisioning a good future for humanity, your options are 1) make life better here on earth, which is already terraformed and perfectly suited for supporting human life, or 2) treat earth as a lost-cause and focus all efforts on Mars as a lifeboat (that is I’ll only be able to support a fraction of humanity…which will happen to be the super-rich fraction).
In terms of cost and ROI, option 1 is a no-brainer. In terms of helping a large number of humans, option 1 is a no-brainer. Seriously, the gulf between options 1 and 2 that it’s hardly worth discussing.
BUT….if you intend to continue and ratchet up a path that sees you accrue unimaginable wealth and power, leaving earth an empty husk, with you and a few hundred/thousand of your fellow oligarchs having an escape plan for that day….option 2 is your call.
These people not only have no interest in making your life better, they are actively working to make it worse, for their benefit. And all the while, they distract you with meaningless social issues (“the trans dragshow homogays are coming for your kids!”) so you won’t see the murderous plan they are executing before your very eyes.
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Posted (edited)
49 minutes ago, ChiTownDoc said:

The final goal is to leave and live on a private island with private military support etc.  For the billionaire class.  First, you have to ransack this country before you leave it's bloated corpse behind.  Then the next step is to finish off the earth and head to space.  If you don't think that's the plan, you're not paying attention.  

Count me in as staying on to be a hunter gatherer.

Will be so nice without those motherfuckers here, even if I'm only gathering two headed crawdads.

Edited by The Original Greaser Bob
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Posted
2 hours ago, Fastbreak said:

 


Should have pulled himself up by the bootstraps instead of wallowing in his sickness. Someone has to pay for some CEOs 9 figure bonus, if you aren’t able to pay the pizzo then you deserve what you get.

 

Wife said, because a one time maga friend has asthma, she has schadenjoy.

Posted
44 minutes ago, Brisketexan said:


100% this.
When envisioning a good future for humanity, your options are 1) make life better here on earth, which is already terraformed and perfectly suited for supporting human life, or 2) treat earth as a lost-cause and focus all efforts on Mars as a lifeboat (that is I’ll only be able to support a fraction of humanity…which will happen to be the super-rich fraction).
In terms of cost and ROI, option 1 is a no-brainer. In terms of helping a large number of humans, option 1 is a no-brainer. Seriously, the gulf between options 1 and 2 that it’s hardly worth discussing.
BUT….if you intend to continue and ratchet up a path that sees you accrue unimaginable wealth and power, leaving earth an empty husk, with you and a few hundred/thousand of your fellow oligarchs having an escape plan for that day….option 2 is your call.
These people not only have no interest in making your life better, they are actively working to make it worse, for their benefit. And all the while, they distract you with meaningless social issues (“the trans dragshow homogays are coming for your kids!”) so you won’t see the murderous plan they are executing before your very eyes.


I thought this hit too close the first time to actually be considered satire. 

Now it’s just prophetic.

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Posted
1 hour ago, ChiTownDoc said:

The final goal is to leave and live on a private island with private military support etc.  For the billionaire class.  First, you have to ransack this country before you leave its bloated corpse behind.  Then the next step is to finish off the earth and head to space.  If you don't think that's the plan, you're not paying attention.  

Whether it’s an island, orbit or another planet, absolutely this. See Elysium. Not a great movie, but, imo, fairly prescient. 

Posted
3 hours ago, hookem2010 said:

Just got this from my wife. Round Rock, TX. My wife is of Asian descent, born in the US and raised by a white family, with an advanced medical degree. But she's the one who doesn't belong.

Screenshot_20250201_114019_Messages.thumb.jpg.fd7c6ac6df5370301f044e02a3e73ced.jpg

Hey kid, which cunt over there is your mom?    

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Posted
6 hours ago, TwiceHorn said:

It's really fairly astonishing that the GOP has managed to so completely vilify an agency whose mission is to protect consumers from rapacious corporate practices.  I mean, it's right there in the name.

One can certainly understand why the robber barons hate it, but somehow they have convinced their victims to hate it too.

Mind bottling.

Someone I know is very well connected among the MAGA crowd.  He attended the inaugaration and was in the Rotunda for the swearing in.   He's on personal speaking terms with Ted Cruz and is giddy with excitement about the very real possibility of the CFPB being shut down entirely.   Which is hilarious because this individual's company's employee and client base is very lower middle class and the kind of folks who the CFPB benefits.   But the CFPB hurts his company's bottom line so it should go away.  

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Posted
3 hours ago, ChiTownDoc said:

The final goal is to leave and live on a private island with private military support etc.  For the billionaire class.  First, you have to ransack this country before you leave it's bloated corpse behind.  Then the next step is to finish off the earth and head to space.  If you don't think that's the plan, you're not paying attention.  

A billionaire on an island guarded by a private military will soon be a a dead pauper and the mercs will be billionaires. 
 

Quote

"One ordinary Wednesday the power was turned off and it didn't come back again. The world went beyond the tipping point [...] Those who could, left the city to a slow death. Those with muscle and ruthlessness [...] ex-jarheads, devildogs with high and tight haircuts, caches of weapons and the will to use them, men in search of something more, a vision of a new world rising from the ashes of the old world. 

 

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Posted
4 minutes ago, 956 Worldwide said:

A billionaire on an island guarded by a private military will soon be a a dead pauper and the mercs will be billionaires. 
 

 

Sure.  But they’re safer on a pvt island vs whatever’s left of the USA.  

Posted
Making the Sahara Desert habitable is a billion times easier than making Mars habitable. Maybe we should start with that…

Maybe we should start by sending all the assholes to Mars first and let them sort out how to make it habitable?
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Posted
4 hours ago, ChiTownDoc said:

The final goal is to leave and live on a private island with private military support etc.  For the billionaire class.  First, you have to ransack this country before you leave it's bloated corpse behind.  Then the next step is to finish off the earth and head to space.  If you don't think that's the plan, you're not paying attention.  

Bezos house has the only private beach on Maui in the middle of a lava field with ex mossad as home security when he’s in town. True story.

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Posted (edited)
3 hours ago, Fastbreak said:

Making the Sahara Desert habitable is a billion times easier than making Mars habitable. Maybe we should start with that…

Calm down Lisan-Al Gaib. Whole lotta icky poors out thataway

Edited by Hank_Hill
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Posted
4 minutes ago, hookem2010 said:

Perfectly captured the voice of a BBC reporter.

Now Ted obviously won them over and proved them wrong but I would love to see this in the WH Press Room

 



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