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The federal financial regulatory agencies and the Federal Trade Commission yesterday published final rules and guidelines to promote the accuracy and integrity of information furnished to credit bureaus and other consumer reporting agencies, and widely used to determine consumers’ eligibility for credit, employment, insurance, and rental housing.
As required by the Fair and Accurate Credit Transactions Act, the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Federal Trade Commission, National Credit Union Administration, Office of the Comptroller of the Currency, and Office of Thrift Supervision are publishing these final rules and guidelines, with an effective date of July 1, 2010.
Under the rules, entities that furnish information about consumers to consumer reporting agencies generally must include a consumer’s credit limit in the information provided. The federal agencies are also publishing an Advance Notice of Proposed Rulemaking (ANPR) to identify possible additions to the information that furnishers must provide to consumer reporting agencies, such as the account opening date.
Also, under the rules, if a consumer believes his or her credit report includes inaccurate information, the consumer may submit a dispute directly to the entity that provided the information to the consumer reporting agency, and that entity must investigate the dispute. The rules do not change a consumer’s ability to submit a dispute to a consumer reporting agency or a furnisher’s duty to investigate a dispute referred by a reporting agency.
This paper examines whether the salience of a tax system affects equilibrium tax rates. I analyze how tolls change after toll facilities adopt electronic toll collection (ETC); drivers are substantially less aware of tolls paid electronically. I estimate that, in steady state, tolls are 20 to 40 percent higher than they would have been without ETC. Consistent with a salience-based explanation for this toll increase, I find that under ETC, driving becomes less elastic with respect to the toll and toll setting becomes less sensitive to the electoral calendar. Alternative explanations appear unlikely to be able to explain the findings.
The Prime Minister has today published a plan for Building Britain’s Future.
It is a radical vision for a fairer, stronger and more prosperous society.
Public service entitlements will for the first time be guaranteed to parents, patients and communities.
New measures will also drive economic growth and create jobs….
We will not lose another generation to work. Every young person who has been out of work for a year will have to take a job, training or work experience place.
A new, more active industrial policy to drive growth and create the high value jobs of the future. We will establish a new #150 million Innovation Fund which will lever up to #1 billion of private sector funding.
By switching spending priorities, we will target investment worth #1.5bn over the next 2 years to deliver 20,000 new affordable homes, creating 45,000 jobs in the construction and related sectors.
Patients will get enforceable entitlements to the highest standards of health care, including hospital treatment within 18 weeks, access to a cancer specialist within 2 weeks and free health-checks on the NHS for people aged 40-74.
Parents will be guaranteed an education individually tailored to their child, including a personal tutor for every pupil at secondary school, with catch up and one to one tuition for all those who need it.
We will give local people more power to keep their neighbourhoods safe, including the right to hold the police to account at monthly beat meetings, to have a say on CCTV and a vote on how offenders pay back the community.
We will work with the British people to deliver a radical programme of democratic and constitutional reform. We now plan to legislate in the 2009/10 session for further reform of the House of Lords, including completing the process of removing the hereditary principle. And we will now bring forward a draft bill for a smaller and democratically constituted second chamber.
The twin problem of in-work poverty and persistent labour market difficulties of low-skilled individuals has been one of the most important drivers of tax-benefit policy reforms in OECD countries in recent years. Employment-conditional cash transfers to individuals facing particular labour-market challenges have been a core element of “make-work-pay” policies for some time and are now in use in more than half of the OECD countries. They are attractive because they redistribute to low-income groups while also creating additional work incentives. But like all social benefits, they have to be financed, which creates additional economic costs for some. This paper discusses the rationale for in-work benefits (IWB), summarises the main design features of programmes operated in OECD countries, and provides an update of what is known about their effectiveness in terms of reducing inequalities and creating employment. As policies aiming to promote self-sufficiency, wage subsidies and minimum wages share a number of the objectives associated with IWB measures. We review evidence on the effectiveness of minimum wages and wage subsidies and discuss links between these policies and IWBs. Finally, we outline some potential consequences of weakening labour markets for the effectiveness of make-work-pay policies.
What follows is a detailed listing of major terrorist plots and racist rampages that have emerged from the American radical right in the years since Oklahoma City. These have included plans to bomb government buildings, banks, refineries, utilities, clinics, synagogues, mosques, memorials and bridges; to assassinate police officers, judges, politicians, civil rights figures and others; to rob banks, armored cars and other criminals; and to amass illegal machine guns, missiles, explosives and biological and chemical weapons. Each of these plots aimed to make changes in America through the use of political violence. Most contemplated the deaths of large numbers of people — in one case, as many as 30,000, or 10 times the number murdered on Sept. 11, 2001.
Here are the stories of plots, conspiracies and racist rampages since 1995 — plots and violence waged against a democratic America.
U.S. farmers have adopted genetically engineered (GE) crops widely since their introduction in 1996, notwithstanding uncertainty about consumer acceptance and economic and environmental impacts. Soybeans and cotton genetically engineered with herbicide-tolerant traits have been the most widely and rapidly adopted GE crops in the U.S., followed by insect-resistant cotton and corn. This data product summarizes the extent of adoption of herbicide-tolerant and insect–resistant crops since their introduction in 1996. Three tables devoted to corn, cotton, and soybeans cover the 2000-09 period by State.
The Federal Trade Commission today announced final rules and guidelines that will promote the accuracy and integrity of information provided to credit reporting agencies (commonly called “credit bureaus”) and allow consumers to dispute inaccurate information about them directly with furnishers, the financial institutions and other entities that furnish the information to the credit reporting agencies. Information in credit reports is used widely to determine a consumer’s eligibility for credit, employment, insurance and rental housing, and errors in a consumer’s report can result in denial of those benefits or higher costs.
The FTC is issuing these rules and guidelines with the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision (the Agencies) under section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which amends the Fair Credit Reporting Act. The effective date for these final rules and guidelines is July 1, 2010.
The Federal Trade Commission today announced a law enforcement crackdown on scammers trying to take advantage of the economic downturn to bilk vulnerable consumers through a variety of schemes, such as promising non-existent jobs; promoting overhyped get-rich-quick plans, bogus government grants, and phony debt-reduction services; or putting unauthorized charges on consumers’ credit or debit cards.
Dubbed “Operation Short Change,” the law enforcement sweep announced today includes 15 FTC cases, 44 law enforcement actions by the Department of Justice, and actions by at least 13 states and the District of Columbia. During a joint press conference today at the FTC, David Vladeck, Director of the FTC’s Bureau of Consumer Protection, was joined by Assistant U.S. Attorney General Tony West; Roy Cooper, Attorney General of North Carolina; and a Washington, D.C. job seeker who was conned by a company that made false promises of maintenance and janitorial work.
The Environmental Protection Agency today announced the next steps in a coordinated strategy to slash harmful emissions from ocean-going vessels. EPA is proposing a rule under the Clean Air Act that sets tough engine and fuel standards for U.S. flagged ships that would harmonize with international standards and lead to significant air quality improvements throughout the country.
New GAO Report (PDFs)
Source: Government Accountability Office
1. Urban Area Security Initiative: FEMA Lacks Measures to Assess How Regional Collaboration Efforts Build Preparedness Capabilities Highlights ||| Full Report
This report examines population change and the demographic components of change from 2000 to 2007 for central an outlying counties of metropolitan statistical areas. Population change in metro areas and their component central and outlying counties will be examined through the configurations of census regions and divisions, metro area population size categories, and 12 of the most populous metro areas. Demographic components of change are births, deaths and migration. The difference between the birth and death components is termed natural increase, and the migration component can consist of both net international migration and net domestic migration. Data used in this report come from the U.S. Census Bureau’s Population Estimates Program.
The report focuses on metro areas and the central and outlying counties that compose the areas—all metro area counties belong to one of these two catego- ries, as defined by the Office of Management and Budget (OMB). The 2006 area definitions are based upon the 2000 OMB Standards for Defining Metropolitan and Micropolitan Statistical Areas applied to Census 2000 data and Census Bureau population estimates.
he Federal Housing Finance Agency has authorized Fannie Mae and Freddie Mac to expand the Home Affordable Refinance Program (HARP) to homeowners who are current on their mortgage payments from the present loan-to-value ratio ceiling of 105 to 125 percent. With these expanded refinance opportunities, qualified borrowers whose mortgages are currently owned or guaranteed by Fannie Mae and Freddie Mac will be allowed to refinance those loans according to the terms of the Home Affordable Refinance Program established earlier this year.
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The program provides borrowers with an incentive to reduce the term of their loan from 30 years to a shorter-term, fixed-rate mortgage and therefore pay down the principal more quickly and reduce lifetime interest payments. Borrowers who refinance may see lower monthly payments and a more sustainable mortgage which will reduce the risk of default. This expansion of HARP will assist the Enterprises in managing the credit risk associated with these higher loan-to-value mortgages.
An estimated 43.8 million Americans had no health insurance in 2008, approximately 2.8 million more than in 1997, according to new data from CDC’s National Center for Health Statistics.
The report also contains new estimates of health insurance coverage for the 20 largest states, and shows Massachusetts had the lowest percentage of uninsured individuals under age 65 (3.4 percent) in 2008. In contrast, approximately 1 in 4 persons under age 65 lacked coverage in Florida and Texas, and 1 in 5 lacked coverage in Arizona, California and Georgia. Nationally, 16.7 percent of those under age 65 were uninsured in 2008.
The report provides information on both private and public insurance coverage. Among the states examined, private coverage rates for people under age 65 ranged from 78.9 percent in Massachusetts to 56.2 percent in Florida. Nationally, 65.4 percent of people under age 65 had private health insurance coverage.
The report also includes data on children under the age of 18 and shows that the percentage of children with no health insurance was 8.9 percent in 2008, the same as in 2007, but down significantly from 13.9 percent in 1997. A total of 34.2 percent of children had public health coverage. Among the states examined in this report, public coverage for children ranged from 22 percent in New Jersey to 41 percent in Georgia and North Carolina.
