BALTIMORE — While consumer rights groups are celebrating last week's decision by the Consumer Financial Protection Bureau to stop payday debt traps, they say there's still more work to be done.

The new rules require payday lenders to start verifying a borrower's ability to repay the loan before rolling it over into a new loan. Marceline White, executive director of the Maryland Consumer Rights Coalition, said Maryland has been taking extra steps to protect consumers for three decades, but there have been attempts to scrap those rules.

"In Maryland, last session during the General Assembly, we had to fight off another attempt by payday lenders to exploit a loophole in our law,” White said. “And they were able to do that and charge 300 to 400 percent loans."

The General Assembly shot that attempt down, and Maryland's cap on payday loans remains at 33 percent. White called attempts by the payday loan industry to exploit hard-working families across the country every year "never ending."

White said she applauds the decision by the Consumer Financial Protection Bureau because she said other states have not taken steps to protect consumers.

"The CFPB cannot separate caps. They're not allowed to, but now any kind of lender will have to prove that somebody can pay back a 1,000 percent loan and meet all their other financial obligations,” she said. "We strongly believe that they will fail that test. "

According to White, conservatives in Congress are expected to try to repeal the new rule using the Congressional Review Act before it even goes into effect. And in 2018, President Trump will get the chance to nominate a new head of the CFPB. Its current director, Richard Cordray, is a holdover from the Obama administration.


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Minnesota officials have launched a new online tool detailing how the state is being affected by federal cuts.

Public health workers keeping an eye on things such as foodborne illnesses have said they're losing staff members who monitor those threats.

Roughly 200 state workers marched near the State Capitol on Thursday, highlighting the fallout from the downsizing of federal agencies and spending by the Trump administration.

Minnesota Department of Health senior epidemiologist Amy Saupe said she's received a layoff notice. She pointed to several recent examples of dedicated public health officials like herself tracking emerging outbreaks that put the public at risk.

"If you remember things like the big Listeria outbreak due to deli meat last year, Boar's Head deli meat, or things like all the norovirus illnesses and outbreaks we had last winter," she said, "that's what I do at the Minnesota Department of Health."

At Thursday's demonstration, Saupe said she wasn't speaking on behalf of the department, but noted the agency relies heavily on federal funding. According to the new dashboard, Minnesota has lost nearly $300 million in grants.

Federal Health and Human Services officials have said recent actions not only save money, but make the organization more responsive to Americans' concerns, such as chronic diseases.

Legal challenges are still playing out over some of the funding cuts. Saupe observed those court battles and outcries are in the spotlight - which is what public health workers often try to avoid when carrying out their mission.

"And the big thing about that work is so often, when we do it right and we're doing our jobs well, we're really invisible," she said. "People don't know that we're here because we're working so hard to prevent people from getting sick."

Earlier this month, the state Health Department sent layoff notices to 170 people whose positions were funded by recently terminated federal grants. Nationally, analysts have said if Congress follows through with possible steep cuts to Medicaid and food assistance, more than one million jobs would be lost nationwide in health care, food-related industries and other sectors.


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A surge in federal funding has fueled a clean-energy boom in Pennsylvania and across Appalachia, according to a new report.

Investments doubled in the region, from $7.7 billion in 2022 to almost $16 billion in 2023, with more growth expected.

Diana Polson, senior policy analyst at the Keystone Research Center, said the funding for clean-energy projects from the Inflation Reduction Act and Infrastructure Investment and Jobs Act is helping to revive Pennsylvania's middle class, hit hard over decades by job losses in manufacturing and coal.

"In Pennsylvania, federal investments increased 12-fold between 2022 and 2024, which boosted private investment by three times as much," she said. "Total investment in clean energy and manufacturing projects over this period was $10 billion in our state."

Polson said federal clean-energy funds have also spurred economic growth in Kentucky, Ohio and West Virginia, benefiting both Republican and Democratic-led congressional districts. An additional $3.7 billion is expected for Pennsylvania.

Polson said the report includes four case studies of job-creating manufacturing and energy projects due to federal investments. The company Eos Energy in Turtle Creek - the 12th Congressional District represented by Democrat Summer Lee - has received funding to help increase clean-energy jobs.

"And they received a $303.5 million loan guarantee by the Department of Energy to expand its battery manufacturing facility," Polson said. "And with this expansion, the company expects to create up to 1,000 temporary and permanent jobs, including a variety of apprenticeship opportunities."

Polson warned that repealing the Inflation Reduction Act's tax credits would harm energy security and create uncertainty, both for businesses and workers. She said this uncertainty, along with unstable federal funding, makes it harder to plan ahead and hinders long-term progress.

"We really support these tax credits and other measures in the Inflation Reduction Act and other climate infrastructure laws to re-shore manufacturing and create good, family-sustaining jobs," she said.

Polson said rural areas have seen an incredible amount of investment. Pennsylvania's 13th District, which overlaps the Southern Alleghenies, saw $754 million spent on multiple solar and wind projects.

The Nebraska Legislature is considering a bill to roll back a 2022 voter approved initiative that would raise the minimum wage in the state.

Business groups say the bill would create hardships for small companies.

Legislative Bill 258 would undo the voter-passed measure, which would raise the hourly minimum wage by a $1.50 until it reaches $15 in 2026.

LB 258 would also create a lower minimum wage for 14 and 15-year-old workers.

Nebraska Appleseed Economic Justice Director Ken Smith said the bill would make it harder for Nebraska working families already struggling to make ends meet.

"This is coming from a group of business interests who did not oppose the initiative when they had the chance to oppose the initiative," said Smith, "and instead of doing that are trying to use the Legislature as a means of rolling back these increases."

The bill was sponsored by state Sen. Jane Raybould, D-Lincoln, whose family owns a series of small grocery and convenience stores.

Raybould resigned her post as company vice president the day debate began on LB 258. She filed a conflict of interest statement earlier this session.

Supporters of the bill say increasing the minimum wage makes it harder on their bottom line, but Smith countered that higher minimum wages in other states have proven benefits outweigh those concerns.

"There are business benefits to having a more productive workforce," said Smith. "There are business benefits to having lower employee turnover, and there are benefits to having consumers with more buying power."

Three hundred businesses across the state approved the 2022 initiative to raise the minimum wage. The bill awaits action in committee.




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