Texas Payday Loans – Uncharted 3 Blog http://uncharted3blog.com/ Wed, 09 Jun 2021 19:46:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://uncharted3blog.com/wp-content/uploads/2021/05/default.png Texas Payday Loans – Uncharted 3 Blog http://uncharted3blog.com/ 32 32 Kansas City debt fraudster Joel Tucker faces 11 years in prison https://uncharted3blog.com/kansas-city-debt-fraudster-joel-tucker-faces-11-years-in-prison/ https://uncharted3blog.com/kansas-city-debt-fraudster-joel-tucker-faces-11-years-in-prison/#respond Wed, 09 Jun 2021 13:14:05 +0000 https://uncharted3blog.com/kansas-city-debt-fraudster-joel-tucker-faces-11-years-in-prison/

Joel tucker

Joel tucker

Johnson County Sheriff’s Office

Federal prosecutors want Prairie Village con artist Joel Tucker jailed for over 11 years for selling false consumer information to debt collectors and failing to pay millions in taxes to the Internal Revenue Service.

Tucker, the brother of former professional racing driver and criminal convicted of payday loans, Scott Tucker, is to be sentenced on June 17 after pleading guilty to multiple interstate transport of stolen money, bankruptcy fraud and of tax evasion.

Prosecutors are urging a federal judge to sentence Tucker to 135 months in prison and make him pay more than $ 8 million in unpaid taxes he owes to the IRS.

“Tucker broke the law for many years and his justice is long overdue,” the government memo reads. “Those who have seen him cheat and lie, and not even pretend to care about his fellow Americans, should see that his behavior is not rewarded with a slap on the wrist.”

Tucker’s lawyer argued in a lawsuit filed Monday that Tucker should not face more than nine years in prison.

A 2018 grand jury indicted Tucker after hearing evidence he sold spreadsheets to debt collection agencies that allegedly contained unpaid consumer debt. However, these spreadsheets were bogus; consumers did not owe the debts listed in the documents that Tucker sold to collectors.

Debt collectors buy unpaid bills from businesses for pennies on the dollar in the hope that they will be better able to charge consumers than the businesses from which the debt originates. Diligent debt buyers need a chain of ownership and other proof that the debt is valid before they make the purchase, but many don’t.

Prosecutors said Tucker’s fraudulent sales led consumers to take phone calls and mail from debt collection agencies. Some of these consumers have paid off debts they don’t really have.

Tucker’s plan was revealed in 2016 when bankruptcy judges across the country noticed thousands of consumer bankruptcy cases where collection agencies suddenly struggled to prove the validity of debts they allegedly owed to them. debtors.

A Texas judge has opened an investigation which found Tucker to be the source of the suspicious allegations.

Tucker was brought to Texas to explain himself in court. Prosecutors said Tucker lied several times during his affidavit. The judge ordered Tucker to compile records of his debt records, but later found that Tucker had not provided any information he requested or created fictitious data to provide to the court.

The Texas judge referred the case to the Department of Justice.

Tom Kirkendall, a Houston attorney who represented one of the debtors stranded on one of Tucker’s counterfeit wallets, said Tucker’s plan was unusual.

“I’ve been practicing for over 40 years and seen a lot – I was very involved in the Enron case, so I saw a lot,” Kirkendall said. “But Tucker was very daring. He was definitely on the edge of the envelope. I don’t know what drove him. “

Tucker even relied on his brother’s payday loan companies to create his fake debt portfolios. One of Scott Tucker’s brands for payday loans was 500FastCash. The company has received more than 1,000 complaints from people harassed by outside debt collection agencies demanding reimbursement of bills they did not owe.

In total, Joel Tucker received $ 7.3 million for his worthless paper.

In their guilty note, prosecutors called Tucker a serial liar who used his illicit profits to fund a lavish lifestyle and acted as though he would suffer no consequences for his actions.

They pointed out that Tucker owed the IRS $ 8 million in unpaid taxes and had made little progress in paying off that bill, including not even a dollar in taxes paid on his income since 2014.

Tucker told an IRS agent he had no money to pay the government, but investigators learned he was making lavish purchases, such as luxury vehicle rentals, charter from private jets, paying six-figure credit card bills and staying in upscale hotels at very high prices. places like Vail, Colorado.

“The United States has been trying to collect money from Tucker for over a decade, and Tucker has evaded payment at every turn,” the government note read. “He lied many times, used courier companies and bank accounts to hide his money, used a friend to hide his money and paid nothing while earning millions from fraud.”

The Federal Trade Commission, a consumer watchdog, sued Tucker over his portfolio of debts, fining him $ 4 million in 2017.

More recently, Tucker received a loan of $ 20,833 from the government’s Paycheck Protection Program, created during the coronavirus pandemic last year to help businesses pay rent and keep employees on their payroll. pays while the economy was devastated by the health emergency.

One of the questions applicants need to answer is whether they will be charged for the loan Tucker was on when he applied. Tucker said no and received the proceeds according to the prosecutor’s note.

Tucker’s attorney JR Hobbs said in a note the judge should consider a sentence of 87 to 108 months, arguing that Tucker takes full responsibility for his actions. Hobbs’ note indicates that Tucker is looking after his mother, who has health issues, and caring for his two children.

“Mr. Tucker understands and regrets how his wrongdoing has affected his family, friends and the community,” reads Hobbs’ memo, further urging Tucker to participate in a prison treatment program for inmates with disabilities. history of alcoholism and drugs.

Hobbs did not respond to a request for comment on Tucker’s conviction.

In an email response to The Star, Tucker said his sentence had been delayed, despite Tuesday’s court record reflecting a June 17 sentencing hearing confirmed by a spokesperson for the State Attorney General. United for the western borough of Missouri.

“We are still working on our own and still have a lot to do,” Tucker said.

Kansas City Star Similar Stories

Steve Vockrodt is an award-winning investigative journalist who has worked in Kansas City since 2005. His reporting interests include business, politics, legal issues, and late-breaking investigations. Vockrodt grew up in Denver and studied journalism at the University of Kansas.



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5 best tax services in Fort Worth 🥇 https://uncharted3blog.com/5-best-tax-services-in-fort-worth-%f0%9f%a5%87/ https://uncharted3blog.com/5-best-tax-services-in-fort-worth-%f0%9f%a5%87/#respond Sat, 05 Jun 2021 17:44:16 +0000 https://uncharted3blog.com/5-best-tax-services-in-fort-worth-%f0%9f%a5%87/ Below is a list of the main tax services in Fort Worth. To help you find the best tax services located near you in Fort Worth, we’ve put together our own list based on this list of valuation points. The best tax services in Fort Worth: The top rated tax services in Fort Worth are: […]]]>


Below is a list of the main tax services in Fort Worth. To help you find the best tax services located near you in Fort Worth, we’ve put together our own list based on this list of valuation points.

The best tax services in Fort Worth:

The top rated tax services in Fort Worth are:

  • Texas Tax Solution – provides clear solutions to their various tax issues
  • Jackson Hewitt – guarantees the biggest reimbursement with tailor-made services according to customer preferences
  • Freedom tax – offers much more tax preparation services depending on the location of the office
  • Don Brown Tax Department, Inc. – offers convenient ways for preparing and filing income tax returns
  • Exact tax – has ee cutting technology for preparation, filing and other tax services

Texas Tax Solution

Texas Tax Solution

Texas Tax Solution provides clear solutions to their various tax concerns. They have helped many clients over the years. In addition, they offer fixed rate loans. They personalized their services according to the assessed needs of their clients. Transactions are also hassle-free and shorter than usual. They are in constant discussion with clients to properly process their taxes.

Customers are offered options like split payments, full payments, and collection payment plans. Plus, they offer property tax loans to stop lawsuits. This also saves the property from foreclosure.

Products:

tax services

LOCATION:

Address: 4000 W Vickery Blvd # B, Fort Worth, TX 76107
Telephone: (817) 377-3033
Website: texastaxsolution.com

COMMENTS:

“I spoke with Greg, who” lifted my concern of being late with the county “by not only explaining the options with Texas tax solutions, but referred me to the county tax office which offers a payment plan for homeowners who live in their homestead and are over 65. I wish I had called it months ago. Good, honest, straight shooter. Not like payday lenders as mentioned in the previous post. Call Greg first for your property tax loan. BBB A + rating .. great service! ” – Harrison Haddock

Jackson hewitt

Jackson hewitt

Jackson hewitt guarantees the biggest reimbursement with tailor-made services according to customer preferences. There are many places to meet more customers. They also ensure that their customers’ concerns are well addressed. In addition, the company has been a trusted tax advisor for over 35 years. They make sure their customers get every dollar they deserve.

Their services include tax tools and tax help centers. Tax professionals provide their clients with comprehensive tax information. In addition, its tax tools are at the cutting edge of technology. There are also custom tax document checklists to guide them through their tax return.

Products:

tax services

LOCATION:

Address: 6623 N Beach St, Fort Worth, TX 76137
Telephone: (817) 535-1040
Website: jacksonhewitt.com

COMMENTS:

“Shana James was awesome as always! I wouldn’t go see anyone else to do my taxes every year! I highly recommend her to all my friends and family! ” – Nichole Rehn

Freedom tax

Freedom tax

Freedom tax offers much more tax preparation services depending on the location of the office. The office has a warm and friendly environment. An accommodating staff takes care of the customer quickly. In addition, they guarantee the maximum possible reimbursement. Tax specialists adapt strategies according to the clients’ situation. The practice is open from Monday to Saturday. There are bilingual staff to welcome non-English speakers.

The practice offers services to small businesses, individuals and professionals. Plus, they offer a mileage log and calculator. There are also readily available tax organizers and preparers.

Products:

tax service

LOCATION:

Address: 1311 N Beach St, Fort Worth, TX 76111
Telephone: (682) 647-7265
Website: libertytax.com/ Income-tax-preparation-locations / 11936.html

COMMENTS:

“The staff were very friendly and helpful, were able to help me determine which deductions I could use. I highly recommend it.” – Roman Joël

Don Brown Tax Department, Inc.

Don Brown Tax Department, Inc.

Don Brown Tax Department, Inc. offers convenient ways for preparing and filing income tax returns. Customers can choose to personally process their documents with the office. They can also submit their documents at any time. Staff ensure the security of all documents given to them. In addition, there are two registered agents who guide clients through tax matters. They offer practical solutions.

The office’s services include sales tax services and business consulting. Plus, they offer retirement planning and financial analysis. They are IRS representation and management consulting professionals.

Products:

tax services

LOCATION:

Address: 1001 S Cherry Ln, Fort Worth, TX 76108
Telephone: (817) 367-0036
Website: donbrowntaxservice.com

COMMENTS:

“I cannot speak too much about this case! We have changed accountants several times over the past 5 years since we opened our business and we are definitely here to stay. Everyone is johnny-on-the-spot with all of our needs. They are second to none in their field and their customer service is A +++ !! ” – Sara Dyes

Exact tax

Exact tax

Exact tax has ee cutting technology for preparation, filing and other tax services. The office has an accommodating atmosphere. The staff responds to the needs of their customers with great attention. In addition, here are tax professionals providing accurately completed dumnts. They ensure that their clients receive the most comprehensive services from them.

Their services include bookkeeping and accounting. Plus, they offer tax preparation for individuals, sole proprietors, and corporations. There are also notary and tax audit representation services.

Products:

tax services

LOCATION:

Address: 3412 E Belknap St, Fort Worth, TX 76111
Call: (817) 831-0877
Website: exactotaxservices.com

COMMENTS:

“Very efficient and responsive company. Ms. Garcia will do a good job. – Rick Ward



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The large NFT bust | PYMNTS.com https://uncharted3blog.com/the-large-nft-bust-pymnts-com/ https://uncharted3blog.com/the-large-nft-bust-pymnts-com/#respond Sat, 05 Jun 2021 08:00:51 +0000 https://uncharted3blog.com/the-large-nft-bust-pymnts-com/ Share Tweeter Share Share Share E-mail Flashback about 15 minutes ago, and non-fungible tokens (NFTs) were the latest craze to sweep the payments industry. Jack Dorsey sold his very first tweet for $ 2.5 million. Tampa Bay Buccaneers (formerly New England Patriots) tight end Rob Gronkowski has announced plans to sell more than 300 NFTs […]]]>


Flashback about 15 minutes ago, and non-fungible tokens (NFTs) were the latest craze to sweep the payments industry. Jack Dorsey sold his very first tweet for $ 2.5 million. Tampa Bay Buccaneers (formerly New England Patriots) tight end Rob Gronkowski has announced plans to sell more than 300 NFTs highlighting moments during this year’s Super Bowl and the other three Super Bowls of his career.

Gronkowski said he was interested in the NFT market at the time. “I see what’s going on, and it’s exploding,” the athlete said in an interview. “I wanted my fans who live in the digital world to be able to have a part of this action.”

And Gronkowski was far from the hottest action in town from NFT. Even Jack Dorsey’s multi-million dollar salary for the phrase “I just set up my Twitter” – made “authentic” by the transformative powers of blockchain – was only slightly spicy by the standards of the booming market. from a few weeks ago. In early March, a digital-only work of art sold for almost $ 70 million. This was the very first sale by a major auctioneer for a work of art that does not exist in any physical form.

“Without NFT, there was legitimately no way to collect digital art,” said Beeple, the artist behind the $ 70 million sale. Born Mike Winkelmann, Beeple designed concert visuals for artists like Katy Perry and Justin Bieber before embarking on the wild but seemingly lucrative world of NFT trading. “I really think this is going to be considered the next chapter in art history.”

It turned out to be a short chapter. Because the future of digital commodity certification is currently collapsing, with the value of NFTs having fallen by around 90% over the past month. On May 3, NFTs hit their peak, registering $ 102 million in transactions in a single day. The seven-day periods surrounding the peak generated $ 170 million in transactions.

And then reality set in, as consumers around the world remembered that a blockchain-certified digital version of something that they can easily download as a free copy might not be many’s best investment. millions of dollars.

But the market crash didn’t just affect the massive, flashy art sales that grabbed the headlines about a month ago. According to Gizmodo, the market has been mostly pushed forward and dominated by crypto collectibles – that is, little pixel art faces called CryptoPunks, or portraits called Hashmasks, or something called Twerky Pepes. (based on the popular frog character who has become synonymous with both of the images like 4chan and the far right online).

And overwhelmingly for a crypto-backed business, NFTs have lost the fleeting quality that made them a hot buy: it’s no longer cool. The number of NFT wallets has declined by more than 70% over the past two weeks as consumers are less attracted to digital collectibles as potential investments.

The bubble has undeniably burst. Now the question is whether he will find a way to reform and bounce back. It’s not an unknown phenomenon: Beanie Babies were known as an ‘investment’ in the 90s, only to become a running joke about bad investments, only to regain value as nostalgia turned them into real items. collectible, with “rare” babies selling in the thousands on eBay.

But Beanie Babies are a physical commodity, so investing in a pristine baby means the buyer has a real stuffed animal they can display on a shelf or use to chase the monster under the bed at their leisure. But an NFT will always be in digital form, indistinguishable from any other digital copy except for the blockchain-based receipt which claims one was actually prepared to pay money for it.

Additionally, blockchain-based fads don’t have much history to make a comeback. Do you remember the ICOs? No one has talked about it since around 2017, when the new independent coin offering was rolling out, loaded with celebrity mentions. The market eventually became so overheated that the SEC had to issue an official warning to investors about celebrity-backed coin offerings.

And the ICO fever has already burned even stronger than the NFT trend recently. As of November 2017, the market had 270 coin-backed projects and raised over $ 3 billion through ICOs, with actors like Paris Hilton, rapper The Game, and boxer Floyd Mayweather acting as boosters.

And while there is no certainty that NFTs will disappear as quickly and completely as ICOs before them, it seems pretty certain, given how quickly the bottom has fallen from the market. There are a huge number of people holding digital copies of a million dollars today, wondering why they thought it was a good seven or eight figure expense.

And while NFTs weren’t the first, and surely won’t be the last, bubble built from the blockchain, they were certainly a fun twist on a bad idea that managed to break through really, really big. And we can’t help but be excited to see the next brilliant investment opportunity that blockchain bounces our way.

——————————

NEW PYMNTS DATA: STUDY ON CRYPTOCURRENCY PAYMENTS – MAY 2021

About the study: U.S. consumers see cryptocurrency as more than just a store of value: 46 million plans say they plan to use it to make payments for everything from financial services to groceries. In the Cryptocurrency Payments Report, PYMNTS surveys 8,008 cryptocurrency users and non-users in the United States to examine how they plan to use crypto to make purchases, what crypto they plan to buy. ‘use – and how merchant acceptance can influence merchant choice and consumer spending.







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Burglary chain plagues Hudson Valley town https://uncharted3blog.com/burglary-chain-plagues-hudson-valley-town/ https://uncharted3blog.com/burglary-chain-plagues-hudson-valley-town/#respond Fri, 04 Jun 2021 11:39:20 +0000 https://uncharted3blog.com/burglary-chain-plagues-hudson-valley-town/ The Dutchess County Sheriff’s Office is currently investigating three residential burglaries and two stolen vehicles in the town of LaGrange over the past few days, particularly in the Cramer Road area. Cramer Road runs between Overlook Road and Rt. 55 in the town of LaGrange. As the investigation is ongoing at this time, no further […]]]>


The Dutchess County Sheriff’s Office is currently investigating three residential burglaries and two stolen vehicles in the town of LaGrange over the past few days, particularly in the Cramer Road area.

Cramer Road runs between Overlook Road and Rt. 55 in the town of LaGrange.

As the investigation is ongoing at this time, no further information can be shared at this time. More details could be released as they become available, but local residents are urged to remain vigilant.

In a statement from the Dutchess County Sheriff’s Office, they remind residents to lock their doors, make sure all exterior lights are working properly, don’t leave ladders outside, and make sure their property’s security cameras are functioning properly.

As always, if you observe a potential perpetrator or a suspicious person, DO NOT AFRAB YOURSELF; pay attention to get the best possible description of the person and immediately contact 911 for law enforcement to deal with the matter.

While the investigation is still ongoing, the Dutchess County Sheriff’s Office is asking anyone who may have information regarding these recent burglaries and auto thefts to contact the Detective’s Office at 845-486-3280. There is an open tip line at 845-605-2583 and a tip email address at dcsotips@gmail.com. All information provided by the public will be kept confidential.
For all the news that the Hudson Valley shares, be sure to follow Hudson Valley Post on Facebook, download the Hudson Valley Post mobile app, and sign up for the Hudson Valley Post newsletter.

Warning: These 14 scams have deceived many people in New York State

LOOK: What are the chances that these 50 totally random events will happen to you?

Stacker took the guesswork out of 50 random events to determine the likelihood of them actually happening. They drew their information from government statistics, scientific articles and other primary documents. Read on to find out why expectant parents shouldn’t rely on due dates – and why you should be more worried about dying on your birthday than living to 100.



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Invest in Pulitzer Prize-driven journalism as we continue our fight for the truth https://uncharted3blog.com/invest-in-pulitzer-prize-driven-journalism-as-we-continue-our-fight-for-the-truth/ https://uncharted3blog.com/invest-in-pulitzer-prize-driven-journalism-as-we-continue-our-fight-for-the-truth/#respond Sat, 29 May 2021 12:23:16 +0000 https://uncharted3blog.com/invest-in-pulitzer-prize-driven-journalism-as-we-continue-our-fight-for-the-truth/ For almost 20 years, we have been doing our part to support the unheard of. Undeterred by chaos or corruption, our intrepid team of investigative journalists defended democracy, exposed the truth, and spared no effort. Become a subscriber and fund our vital work to make sure the facts are always accessible. We believe honest information […]]]>


For almost 20 years, we have been doing our part to support the unheard of. Undeterred by chaos or corruption, our intrepid team of investigative journalists defended democracy, exposed the truth, and spared no effort.

Become a subscriber and fund our vital work to make sure the facts are always accessible. We believe honest information should be raw, unfiltered, and accessible to everyone. As a reader of raw stories, we know you too.

Subscribe today and join our fight. We’re tired of forcing you to deal with annoying ads. Read your news the way it should, without distraction. Go ad-free today.

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Autocare Haven: How a neighbor’s nonprofit pumps the brakes during expensive car repairs https://uncharted3blog.com/autocare-haven-how-a-neighbors-nonprofit-pumps-the-brakes-during-expensive-car-repairs/ https://uncharted3blog.com/autocare-haven-how-a-neighbors-nonprofit-pumps-the-brakes-during-expensive-car-repairs/#respond Wed, 26 May 2021 14:43:19 +0000 https://uncharted3blog.com/autocare-haven-how-a-neighbors-nonprofit-pumps-the-brakes-during-expensive-car-repairs/ Photograph courtesy of Manuel Tellez. Manuel Tellez was working to make ends meet when he moved to Dallas in 2006. It was a daunting task with an unreliable financial pit of a vehicle. The brake pads had to be replaced. Then all the parts of its cooling system broke. With no one to turn to […]]]>


Photograph courtesy of Manuel Tellez.

Manuel Tellez was working to make ends meet when he moved to Dallas in 2006. It was a daunting task with an unreliable financial pit of a vehicle. The brake pads had to be replaced. Then all the parts of its cooling system broke. With no one to turn to for help, he turned to a payday lender.

“I got stuck in this debt trap for a while, but ended up getting out of it after paying several thousand dollars in interest,” he says. “Every time I went back to the payday lender, I ran into people who were there to get loans or renew loans to pay bills. The most common bill I have heard has to do with auto repairs. There was no organization to help people in this area. There was a need.

In 2019, Tellez founded Autocare Haven, a non-profit organization that provides free car repairs to motorists in North Texas who don’t have the necessary funds. Applicants must present a driver’s license, proof of residency, proof of income and have at least the minimum auto insurance coverage. Then, a mechanic diagnoses the problem and determines if it can be repaired.

The organization will not restore a totalized car or repair an aesthetic scratch on the bumper, but it will replace parts essential to the functioning of a car. Autocare Haven supplied a new battery, changed a tire and aligned the tires. When a woman needed new brake pads, the nonprofit paid to have them replaced. The repair allowed her to get back on the road as a delivery driver for Grubhub and save enough money to rent her own apartment.

“We appreciate that everyone has their own vehicle in this country,” Tellez says. “It’s good to have that independence, but if you live paycheck after paycheck and don’t have any savings or a credit card, you’re on the brink of disaster.”

The average auto repair in Texas costs around $ 386, but 44% of Americans can’t cover an unexpected $ 400 expense, according to a Federal Reserve study.

Autocare Haven collects donations from the community through multiple platforms, such as PayPal, Zelle, or Venmo, and pays trained mechanics to perform repairs at no cost to customers. He raised hundreds of dollars through GoFundMe and a Facebook donation campaign that coincided with North Texas Giving Day.

Board members would like to expand the program, but to do so they need more funds. Fundraising efforts slowed down last year, when struggling nonprofits asked for limited donations.

The organization has received a boost through a partnership with Amazon. Every few months, the retailer donates automotive fluids, such as engine oil and antifreeze, in boxes that have been damaged in transit. So far, Amazon has donated over 450 pounds of automotive fluid.

“I work to organize the donations,” says Tyler Wear, board member. “Considering my interest in cars, I thought this would be something I would be in a good position to help. People need a vehicle here. We don’t have public transit or transit like so many other big cities. There are so many parts of the city that are only accessible by car. It is a necessity.

The organization serves the counties of Dallas, Tarrant, Collin and Rockwall.

“Many affordable neighborhoods are undergoing gentrification and people are moving further afield where DART opportunities are rarer,” says Lauren Ortega, board member. “In some areas it is 8 km or more from a grocery store, bank or library. It’s an hour on a bus. Who has this time? Parents need reliable transportation for their children or to be able to help an elderly person. Maybe they just want to get to work. Each of us could have car trouble at any time. “

For more information, visit autocarehaven.org.

Ways to donate:

  • PayPal: paypal.me/AutocareHaven
  • Facebook: facebook.com/AutocareHaven
  • Cash application: $ AutocareHaven
  • Venmo: @autocarehaven
  • Zelle: info@autocarehaven.org



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Wells Fargo and other banks continue to profit from minorities https://uncharted3blog.com/wells-fargo-and-other-banks-continue-to-profit-from-minorities/ https://uncharted3blog.com/wells-fargo-and-other-banks-continue-to-profit-from-minorities/#respond Tue, 25 May 2021 13:00:45 +0000 https://uncharted3blog.com/wells-fargo-and-other-banks-continue-to-profit-from-minorities/ An investigation by a local ABC affiliate found that Wells Fargo and other major U.S. banks fund many predatory lenders who target minority borrowers with high interest charges. WFAA, a Dallas ABC affiliate, explored how the big banks refuse to lend, but continue to make money off minority residents of South Dallas, including buying and […]]]>


An investigation by a local ABC affiliate found that Wells Fargo and other major U.S. banks fund many predatory lenders who target minority borrowers with high interest charges.

WFAA, a Dallas ABC affiliate, explored how the big banks refuse to lend, but continue to make money off minority residents of South Dallas, including buying and enjoying low-income apartments that perpetuate crime. and the burn.

South Dallas has 88 payday lender storefronts, according to the survey. Payday lenders offer quick loans marketed as a way to pay for rent or needed auto repair. However, in the fine print there are interest rates of up to 400% that are almost impossible to repay.

Last week tonight did a segment in 2014 detailing how these loans quickly push minority clients into debt with high interest charges. Texas was one of the states featured in the segment.

The states Office of the Consumer Credit Commissioner is responsible for regulating payday lenders, auto titles, installments and pawn shops. However, state law allows payday lenders and others load interest rate and fees well beyond what a traditional bank would charge.

The investigation excavated public registers deposited with the we Security and Trade Commission and found 20 banks, including Wells Fargo, Bank of America, and Texas-based banks such as the Capital Bank of Texas, TBK Bank, and Independent Bank, have recently funded or are currently funding predatory lenders.

Fort Worth-based FirstCash describes itself as the leading international operator of pawn shops, operates nearly 3,000 stores and charges up to 240% interest on a loan. The investigation revealed that Wells Fargo, Texas Capital Bank and Bank of Texas are all creditors of the company.

World Finance, another expensive lender that offers installment loans, where a person borrows a fixed amount all at once. The borrower can then repay the loan in a fixed number of installments, called down payments.

These loans bear interest between 80% and 113% and a 2015 filing with the SEC shows Wells Fargo committed $ 200 million to World Finance. Bank of America, was also a long-time lender for World Finance, but ended its relationship with the company last year and launched its own loan service called Balance Assist, which allows clients to borrow up to at $ 500, for a fee of $ 5, with much better terms. and interest rates.

Wells Fargo, which paid nearly $ 8 million to settle a class action lawsuit in a hiring bias lawsuit last year, responded to the inquiry in a statement.

“Wells Fargo provides credit and services to businesses in various financial services industries,” spokesperson Camille Brewer wrote. “We have relationships with companies that have demonstrated a strong and ongoing commitment and ability to comply with the laws and regulations applicable to their business operations. “

Black American and Latino households make up less than half of all households in the state (45%), but they make up 74% of payday loan clients according to the WFAA.



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Joy calls those who oppose loan relief program for minority farmers ‘absolute worst’ https://uncharted3blog.com/joy-calls-those-who-oppose-loan-relief-program-for-minority-farmers-absolute-worst/ https://uncharted3blog.com/joy-calls-those-who-oppose-loan-relief-program-for-minority-farmers-absolute-worst/#respond Mon, 24 May 2021 23:55:39 +0000 https://uncharted3blog.com/joy-calls-those-who-oppose-loan-relief-program-for-minority-farmers-absolute-worst/ The daily beast Gaetz-Greene’s traveling Freak Show is the future of the GOP The last time an “America First” MAGA rally was held in Georgia, Republicans lost two seats in the US Senate and America lost what could end up being around $ 6 trillion. Matt Gaetz-Marjorie Taylor-Greene’s Thursday night show probably won’t cost us […]]]>


The daily beast

Gaetz-Greene’s traveling Freak Show is the future of the GOP

The last time an “America First” MAGA rally was held in Georgia, Republicans lost two seats in the US Senate and America lost what could end up being around $ 6 trillion. Matt Gaetz-Marjorie Taylor-Greene’s Thursday night show probably won’t cost us that much. Just a little time with our family and our dignity. The event kicked off with Representative Jody Hice, who is leading a primary against Republican Brad Rafensperger for Georgia Secretary of State. The crowd changed “Lock Him Up,” which was directed at Raffensperger, whose decision to follow the rule of law (though he is now faltering while standing for re-election) has obviously put him on the wrong side of the game. crowd. With a warm-up act like this, there is no need for an announcer to say, “Let’s get ready to rumble!” The feeling is implied. Gaetz entered the scene first, launching a bunch of populist and demagogic rhetoric (“wars forever”, “socialism”, “rebuild America”, “policeman of the world”, “deep state control simply means that we have a constant goal! ”). He took pictures of the Bushes and the McCains and the Romneys and James Comey and Anthony Faucci. He observed that “Paul Ryan was giving a speech” in California, and added that after Ryan ran for vice-president, the party “literally needed an autopsy.” The result? “This is Donald Trump’s party and I’m a Donald Trump Republican,” Gaetz said. One thing he didn’t talk about was his winger Joel Greenberg’s guilty pleas, including paying a 17-year-old to have sex with the two (which Gaetz has previously denied). Overhung, Greene entered the room in humor, before taking the stage, smiling ear to ear. But her smile belied the populist anger that was apparently boiling within her. She called on Democrats who are demolishing monuments. “You better bet we’ll protect the Stone Mountain monument,” she said of America’s largest Confederation monument. She faked the Mexican accent of a supposed cartel boss by saying how much he loved Joe Biden, who she said wants an “awakened” army. She also referred to the Squad as “the Jihad Squad” and Alexandria Ocasio-Cortez, “O’Crazyo-Cortez”. Really chic stuff. You see, she’s not a politician. She’s like you. If you’re a jerk like that, at least then why is this happening? First of all, of course, to attract attention. I write about it, as do many others and, for this team and especially Greene who has already been kicked out of their House committees, there is nothing left, but public relations like this are theirs. own reward. Indeed, Gaetz called Thursday’s rally “the world’s greatest political spectacle.” Even in the good old days, Conservative politics were probably half Bill Buckley and half PT Barnum. We were business up front and a party in the back (okay, maybe we didn’t party as hard as Gaetz – which my fellow Beasts report snorting coke with a model with a no-show job in government at a GOP Trump Defender gala in Orlando —And Greene, but you get the point). Today, the entertainment wing has almost completely supplanted the government wing. As Gaetz told Vanity Fair some time ago, “If you don’t make the news, you don’t rule. And Gaetz agrees for now with any news that does not relate to allegations of child sex trafficking. He’s flooding the area (also with headlines about how he’s flirting with a 2024 presidential bid if Trump doesn’t run), which is a great PR strategy, assuming, you know, he isn’t. not charged. The theory that in today’s world curling up and crouching down is seen either as an implicit admission of guilt – or as proof that you take it all seriously. I’m not sure which one would be more detrimental to Gaetz’s brand, but he avoids both like the plague. You’ve heard of the “big lie”, well it’s “the big tour”. Gaetz’s frantic activity is either a sign of innocence or shamelessness. My money is on the latter, but who knows? And that’s the point. He may also think that being on stage with a prominent woman may also, psychologically, lend some cover. Speaking of Greene, she got embroiled in something of her own scandal, having compared the wearing masks to prevent the spread of COVID-19 to Jews forced to wear gold stars in Nazi, Germany. Once upon a time, these kinds of Holocaust comparisons would have been the death knell for a political career, but in today’s Republican Party, it’s a feature, not a bug. Greene, after adopting other crazy theories, managed to make over $ 3 million in the first quarter of the year, after all. Sure, Minority Leader Kevin McCarthy condemned him in a tweet, but it’s probably as harsh as the punishment. Greene doesn’t have to fight to change the subject of her scandal, she does it for fun. To revel in it, I am a rational Jewish person. Marjorie Taylor Greene is nuts, that doesn’t mean there’s no danger in it. Gaetz and Greene may not have the intention of doing it and Trump may not realize it, but this is the first salute of what could be a threat to his deadly grip on the party. . That’s because this tour is proof that anyone – even two humble members of the House – can co-opt Trump’s message, steal his delivery mechanism, and take his show on the road. (Sure, they played a few home games in Florida and Georgia, but they also took their horse and pony show to Arizona – and don’t forget Gaetz’s Liz Cheney trolling trip to Wyoming) . at the uncrowded rally Trump hosted a year ago in Oklahoma. Yet the event infringes on an innovation that Trump had essentially monopolized for about five years. Trump didn’t invent the idea of ​​holding rallies, of course, but he took them to a new level. They weren’t just for the countryside, they were for the government. Plus, you don’t need an invitation to speak; You can simply organize your own event. Not everyone can pack a stadium, of course, but that’s the beauty of teaming up. Gaetz and Greene may not be the packing stages of the Rolling Stones, but maybe Styx and Collective Soul are doing a joint arena tour. What I’m saying is that over time, Trump risks seeing what happened to Sarah Palin. him. At one point, Palin was the only game in town. She was the hot commodity. But once she stepped down as governor of Alaska, she became irrelevant. It took a few years, but a generation of younger, more relevant imitators supplanted it. Now Trump is a better marketer than Palin and he was, after all, the president. Still, you can see why he has to at least fake a 2024 race – and why he has already announced that he will be doing more of his own rallies. Gaetz and Greene clearly aren’t here yet, as the livestream I was watching actually cut right before the duo came back to do some sort of curtain call. Instead, the livestream has shifted to something called (I’m not making that up), “The Right View With Lara Trump”. less than a mile from Capitol Hill. Trump helped create the circumstances in which they would thrive. Even though he is ultimately replaced, he has managed to create a generation of Republicans who share his penchant for self-promotion, his preference for populist politics, and, well, his family values. third tent revival, one-third rock concert and one-third circus – and it was quite an abnormal spectacle. All this to say that it was a resounding success in the Republican Party today. Expect other MAGA types to start replicating this idea. The devil (‘s) has come down to Georgia. For more, check out The Daily Beast. Get our best stories delivered to your inbox every day Sign up now! Daily Beast Membership: Beast Inside delves deeper into the stories that matter to you. Learn more.



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Biden’s First 100 Days: A New Regulatory Forecast | H5 https://uncharted3blog.com/bidens-first-100-days-a-new-regulatory-forecast-h5/ https://uncharted3blog.com/bidens-first-100-days-a-new-regulatory-forecast-h5/#respond Mon, 24 May 2021 07:00:00 +0000 https://uncharted3blog.com/bidens-first-100-days-a-new-regulatory-forecast-h5/ What the administration’s first actions may mean for dynamic changes in regulation and compliance. On the first day of his administration, President Biden made a bold start by signing more than a dozen executive orders on topics ranging from student loans to expulsion – including a Freeze on all regulatory actions underway under the previous […]]]>


What the administration’s first actions may mean for dynamic changes in regulation and compliance.

On the first day of his administration, President Biden made a bold start by signing more than a dozen executive orders on topics ranging from student loans to expulsion – including a Freeze on all regulatory actions underway under the previous administration.

Over the next 99 days, more ordinances, executive appointments, appointments and legislative activity contributed to a noticeable thaw in the regulatory sphere as the administration strives to keep political promises made during the campaign. . A recent Corporate compliance information item suggests that companies “should look to strengthen their compliance infrastructure before this impending wave of regulation,” an activity legal departments would surely applaud.

While the full impact of the activities of the first 100 days may not be felt for some time, the combination of the fallout from COVID-19 and the actions of the new administration – especially the appointments of some agency executives – is starting. already changing the business, the law, and the dynamics of compliance. Many companies are already facing an increase in litigation and fraud investigations due to the pandemic with the waiting for an increase in incidents; the potential for increased regulatory action on the part of agencies energized by new leadership will only intensify the need for a response from companies.

Dynamic regulatory agencies focused on consumer protection

A more robust regulatory environment is expected under the Biden administration, especially for financial and monetary systems, with an increased focus on consumer protection. With Gary Gensler at the helm of the SEC, the focus will likely be on implementing regulatory measures or approaches to broaden the attention of retail investors. The Federal Reserve Board resume review activities for all banks after previously announcing a reduced focus on review activity in light of the coronavirus response. And, with Janet Yellen as head of Treasury, there will likely be an increase in enforcement and investigative activity on several fronts, including a back up of the Dodd-Frank Act, relaxed under the previous administration, and the implementation of the Business transparency law denounce and fight money laundering, which, according to Yellen, is “one of its highest priorities.

Rohit Chopra, awaiting confirmation as head of the Consumer Financial Protection Bureau, is also expected to play a role in increasing regulatory action, reversing the previous administration’s more lax surveillance and enforcement policies. Already, analysts say, bank reviews, student loans, subprime auto loans, debt collection, mortgage services, and payday loans should be scrutinized.

The mergers and acquisitions landscape is changing, strongly impacted by the pandemic, but is now gaining new momentum. Due to COVID-19 and its impact on the economy, the DOJ and the FTC have been on alert for violations of antitrust rules. According to at least one large law firm Evaluation, the Justice Department is likely to strengthen antitrust enforcement in several key industries over the next several years, including technology, healthcare, and agriculture, as well as increased merger enforcement that will lead to increased merger enforcement. more second claims and potential litigation.

A possible increase in capital gains tax that could further stimulate activity before its adoption also affects M&A activity. the Waiting for confirmation of Lina Kahn as FTC commissioner marks the likelihood of larger investigative efforts to potentially break Big Tech’s growing reach. Google, Facebook, Microsoft and Apple will be the most likely targets, but further investigation into mergers and acquisitions in other industries is also likely. The healthcare and pharmaceutical industries, whose activities stand out in great relief due to the pandemic, will certainly be the subject of further scrutiny in terms of both monopoly pricing issues and market concentration, what Biden says he’s going attack aggressively.

The 100 days message? Be proactive and be prepared.

One thing seems certain: the regulatory landscape will continue to be dynamic. The first 100 days are, after all, just the beginning. The increase in litigation and investigations, second requests, and regulatory due diligence and reporting necessitated by the few likely changes suggested above threaten to impact the workload of most legal and compliance departments. businesses, which may already be overloaded and understaffed.

The possibility of such activity is best addressed with well-prepared legal and compliance functions and a laser focus on corporate data, with the right tools to manage it. Any proactive measures taken to ensure that the right workflows are in place should be of great benefit to businesses, speeding up any necessary responses and mitigating the costly effects of poorly managed document productions. Organizations with teams ready to tackle these data-intensive challenges will be in a much better position to respond quickly and effectively when needed.



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Plaintiff in legal action challenging CFPB’s rescission of repayment capacity provisions of the 2017 Payday Loan Rule, opposes CFPB and CFSA dismissal motions; Responses to CFPB and CFSA | Ballard Spahr LLP https://uncharted3blog.com/plaintiff-in-legal-action-challenging-cfpbs-rescission-of-repayment-capacity-provisions-of-the-2017-payday-loan-rule-opposes-cfpb-and-cfsa-dismissal-motions-responses-to-cfpb-and-cfsa-ballard-s/ https://uncharted3blog.com/plaintiff-in-legal-action-challenging-cfpbs-rescission-of-repayment-capacity-provisions-of-the-2017-payday-loan-rule-opposes-cfpb-and-cfsa-dismissal-motions-responses-to-cfpb-and-cfsa-ballard-s/#respond Thu, 20 May 2021 17:13:23 +0000 https://uncharted3blog.com/plaintiff-in-legal-action-challenging-cfpbs-rescission-of-repayment-capacity-provisions-of-the-2017-payday-loan-rule-opposes-cfpb-and-cfsa-dismissal-motions-responses-to-cfpb-and-cfsa-ballard-s/ The National Association for Latino Community Asset Builders (NALCAB) has filed its combined opposition motions from the CFPB and the Consumer Financial Services Association (CFSA) to dismiss NALCAB’s lawsuit contesting the CFPB’s cancellation of “repayment capacity” (ATR) or “mandatory underwriting arrangements” in its last day payroll / 2017 car title / high rate loan rule […]]]>


The National Association for Latino Community Asset Builders (NALCAB) has filed its combined opposition motions from the CFPB and the Consumer Financial Services Association (CFSA) to dismiss NALCAB’s lawsuit contesting the CFPB’s cancellation of “repayment capacity” (ATR) or “mandatory underwriting arrangements” in its last day payroll / 2017 car title / high rate loan rule (2017 rule) The lawsuit aims to overturn the CFPB’s July 2020 final rule (2020 rule) which eliminated the ATR provisions but left the provisions in place payment of the 2017 rule. The CFSA intervened in the lawsuit.

When the CFPB filed its motion to dismissCFPB Acting Director Dave Uejio clarified that the motion was not intended to indicate that the “new CFPB” supports the 2020 rule. He explained in a blog post that the 2020 rule “was challenged in court and the Bureau had a legal obligation to respond to the lawsuit”, which it did by filing a brief “dealing only with the jurisdiction of the court to hear the case”. He added that “the Bureau continues to believe that repayment capacity is an important underwriting standard. To the extent that the business models of small dollar lenders continue to rely on the inability of consumers to repay, these practices cause harms that must be addressed by the CFPB. “

In its opposition to the requests for dismissal, the NALCAB responds to the arguments put forward by the CFPB and the CFSA contesting the standing of NALCAB under Article III. NALCAB argues that it has sufficiently established that it has standing to bring an action on its own behalf and on behalf of its member, Mission Economic Development Agency (MEDA). NALCAB helps its member organizations, such as MEDA, to develop financial capacity programs. MEDA, in turn, offers financial support to individuals. According to NALCAB, the 2020 Rule undermines MEDA because, in the absence of the ATR provisions, more MEDA clients will need additional guidance to deal with the harms they will suffer as a result of “multiple unaffordable loans“, and MEDA will therefore have to devote more resources to providing such a framework. NALCAB argues that it is hampered by the 2020 Rule because the absence of ATR provisions makes it more difficult for NALCAB to assist organizations seeking to develop financial capacity programs since NALCAB is called upon to provide training. additional and technical assistance “on strategies specific to [no-underwriting] ready. “

NALCAB also takes issue with CFSA’s argument that because the ATR provisions were issued while the CFPB was unconstitutionally structured, the ATR provisions were void since their inception. He further argues that even if the former director Kraninger only ratified the payment provisions of the 2017 rule, a new CFPB director would not be prevented from ratifying the ATR provisions.

the CFPB and CFSA filed responses in support of their motions to dismiss. The submission of responses closes the briefing on the requests.

In Texas lawsuit filed by CFSA and another industry trade group seeking to strike down payment provisions of the 2017 rule, set out on parties’ cross-petitions for summary judgment closed in December 2020 and no date has been set for oral argument on the motions.



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