AUGUSTA, Maine - Consumer-rights groups are celebrating this month's decision by the Consumer Financial Protection Bureau to stop payday-lending debt traps, although they say there's more work to be done.

The new rules require payday lenders to start verifying a borrower's ability to repay a loan before rolling it over into a new loan. Maine already has some consumer protections in place, but Jody Harris, associate director of the Maine Center for Economic Policy, said the payday-loan industry is notorious for finding ways around them.

"In Maine, many of them operate online, under the radar. They ignore our laws; they claim the laws don't apply to them, because they're out of state," she said. "So, I think what this rule will do is, it will help Maine enforce its existing, really strong consumer protections."

In states that put caps on payday loans, Harris said, the interest rate can run as high as 36 percent, but in Maine it is 30 percent. Supporters of payday lending argue that this type of short-term loan offers credit and flexibility to people in financial distress.

Maine also requires that payday lenders be licensed and post a surety bond, but Harris said the industry makes constant efforts to find loopholes it can squeeze through.

"Last year, they tried to pass a bill that would authorize high-interest, long-term loans," she said, "and it would have also allowed them to charge a new origination fee, and a new monthly maintenance fee, which Maine doesn't allow."

That legislation was unsuccessful. Meanwhile, in Congress, conservatives are expected to try to repeal the new rule before it even goes into effect in July 2019. Next year, 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.

Information on the rule is online at consumerfinance.gov. Information on the bill in the Maine Legislature, SP 385, is at mainelegislature.org.


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Labor groups representing thousands of Minnesota state workers find themselves at serious odds with Gov. Tim Walz over his move this week to reduce remote work options.

Walz announced that, starting June 1, most state-agency employees have to carry out their duties in person at least 50% of the time. That has drawn swift criticism from the unions that negotiate for nearly 40,000 state workers, including the Minnesota Association of Professional Employees.

The American Federation of State, County and Municipal Employees Council 5 is another, and at a Thursday news conference, its executive director, Bart Andersen, expressed frustration about having no input in the decision.

"If we are going to be considered a labor-friendly state, we need to have conversations," he said, "not dropped at the last minute and told that all these people have to go back to work in a month and a half, with no means to get there."

MAPE officials have said this also disrupts the lives of workers with children, citing day-care demands and long waiting lists for those facilities.

The governor has pointed to an exemption for people who live more than 75 miles from their primary work location. He also has said the change should help downtown businesses in the Twin Cities by spurring more foot traffic.

These debates have been happening in the private sector, too, since the constraints of the pandemic have faded. But Andersen suggested to anyone who believes remote workers are "slacking off" to think again.

"They're not in a bubble. They're not isolated," he said. "They're working with their teams and they're getting the work done."

Andersen said they know tasks such as road maintenance can't be done from home. But he highlighted the effectiveness of telework in recruiting and attracting people for the public-sector jobs that have that flexibility. The mounting tension between these labor groups and the administration comes as talks on a new contract take shape.


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Kansas City transit riders and workers are fighting proposed cuts, warning of a looming public transit crisis.

Hundreds of advocates of the Kansas City Area Transportation Authority gathered on the steps of City Hall last week over threats to cut 13 bus routes, eliminate up to 175 transit jobs and shut down the Immigrant and Refugee Integration Services microtransit program.

Protesters warned the cuts could strand thousands, cost hundreds of jobs and leave misclassified IRIS drivers without unemployment benefits.

Ashley Ball, a leader with Stand Up KC and the Missouri Workers Center, relies on public transit for work.

"I was living in a hotel with my kids in North Kansas City and the buses weren't always reliable, so I got IRIS early to be able to get to my shift," Ball explained. "I work in the city now, overnights at Taco Bell. It's very beneficial to have IRIS when I get off work."

Supporters argued the cuts are needed to address KCATA's budget shortfall, as the city's $71 million allocation falls far short of the $117 million needed. Officials also cited high administrative costs and call for more efficient transit operations.

In 2024, KCATA reported 1.1 million riders, a four-year high, averaging more than 35,000 people daily. Couple that with KC Streetcars, and Kansas City's transit served more than 40,000 people per day last year.

For Ball, its significance goes beyond just transportation.

"Our public transportation is the heart of the city," Ball emphasized. "It allows us, no matter where we are from or what we look like, to move around, accomplish our goals and try to live a better dream."

The budget cuts are being discussed by the City Council Finance Committee after talks were delayed in a previous session.


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Minnesota's up-and-coming doctors say in order to better care for patients down the road, they need collective bargaining power.

A large group of them has filed to form a union, reflecting an industry shift. This week, a supermajority of nearly 1,000 University of Minnesota resident physicians and fellows submitted their union-creation plans. It follows a similar move by peers at Hennepin Health earlier this month.

Dr. Thomas Schmidt, infectious diseases fellow at the University of Minnesota, said the current work environment for providers advancing through their training in hospitals and other settings is pretty grueling, with up to 80-hour workweeks in some cases.

"It's us making sure that we're having some breaks and making sure that we're able to have some life outside of training," Schmidt explained. "To ensure that we can be good doctors when we're there with our patients."

Schmidt cited burnout, still lingering from the COVID-19 pandemic, as one factor behind doctors embracing unionization. Researchers say the number of newly union-represented doctors could soon double, compared with the past two decades.

Because of consolidation in health care, more physicians are now employees of larger systems, as opposed to independent practitioners. The university said it will be responsive to all necessary parties as the process takes shape.

Doctors still getting their training say the residency system leaves little room to advocate for changes or request a new location. And while established medical professionals might make good money, Schmidt said it is not the case for residents, who are often in the $15 to $20 per-hour range.

"That is not a substantial amount of money to be able to take care of your housing, to take care of your family," Schmidt pointed out. "I'm a parent of two young kids, so it has not been easy to be a trainee."

He added some peers are delaying starting a family because of the limited pay and long hours.

Skeptics fear the union push among doctors will reduce the earnings of specialists. Meanwhile, the Minnesota Association of Professional Employees, which has members working on infectious disease control in the state health department, recognizes the need for providers to have a bigger voice. It said it is vital as public health concerns, such as the bird flu, add to the work demands for the young professionals.