New Yorkers could see relief from medical debt if several national proposals move forward.

The Consumer Financial Protection Bureau proposed a new rule to eliminate medical debt from credit reports. Studies show medical debt does not predict whether a person can pay down a debt.

An Urban Institute report finds more than 740,000 New Yorkers have medical debt.

Ursula Rozum, health care campaign lead for the group Citizen Action of New York, said the change can remove the punitive aspects of medical debt.

"What we're talking about is relief for the 15 million Americans that have medical debt," Rozum pointed out. "As well as people who we know are skipping care or delaying care 'cause they're scared of the debt and what impact it would have on their lives."

Vice President Kamala Harris is supporting the bureau's proposal while considering other ways to cancel medical debt. Congressional Republicans such as Rep. Mike Lawler, R-N.Y., oppose the proposed change. Several House GOP members signed a letter to the bureau saying its proposed rule can negatively affect credit access and affordability for all consumers.

New York passed legislation prohibiting medical debt from being reported to credit agencies but it has not stopped medical debt disparities.

Christine Chen Zinner, senior policy counsel for the advocacy group Americans for Financial Reform, said communities of color often have the highest medical debt rates for many reasons.

"Black and Latine families are more likely to have jobs without access to health insurance, and so that would drive up medical debt," Zinner explained. "There's also been disparate health treatments for these communities."

Other causes for medical debt include growing facility fees. While New York passed legislation to reform the fees, studies show they are a bulk of what patients pay for. Between 2004 and 2021, facility fees grew 531%, surpassing professional fees for certain emergency department services.

As the Inflation Reduction Act marks its second anniversary, Ohio communities are seeing changes spurred by investments in clean energy and infrastructure.

The federal climate package, including funding in the act, has injected billions into regions like Appalachia, aiming to revive local economies by transitioning former coal areas into clean energy hubs.

Dana Kuhnline, senior program director for the nonprofit ReImagine Appalachia, noted the investments are making a difference in the region.

"Communities across the Ohio River Valley region of Appalachia are beginning to reimagine themselves as leaders of a new clean economy," Kuhnline explained. "And see their place in a more prosperous, sustainable, and equitable future."

The progress in the Ohio River Valley reflects broader trends in Appalachia, with projects like Ohio's Fox Squirrel Solar and Oak Run sites playing a significant role. The initiatives, supported by the Inflation Reduction Act, are contributing to reduced carbon emissions and creating union jobs, which could provide a boost to local economies.

Kuhnline pointed out it is just the beginning, with additional incentives and programs expected to encourage further growth.

However, the continuation of the efforts relies on sustained federal support. While the legislation has set the stage for economic transition in Ohio and Appalachia, there is concern about maintaining momentum. Kuhnline underscored the need for ongoing investment to ensure communities can continue moving toward a cleaner, more prosperous future.

"Incredible things happen when Ohio communities and Appalachian communities have the funds and the capacity to put their visions into action," Kuhnline contended. "A lot of times, you know, we have the ideas, we have the people, folks are ready to work. We just need that catalyst that makes this possible."

She added there is hope the Inflation Reduction Act will lead to lasting economic improvements in the region. Projects like Cleveland-Cliffs' $575 million Middletown Works facility demonstrate the potential effect of the investments. However, Kuhnline stressed, the long-term success of Ohio's clean energy efforts will largely depend on continued federal commitment.

A proposed rule from the U.S. Department of Agriculture would clarify fair practices in the American meat industry.

The Fair and Competitive Livestock and Poultry Markets rule would amend regulations under the 1921 Packers and Stockyards Act to define "unfair practices" as business conduct which harms the market and market participants.

Just four companies process about 85% of American beef--the result of a long process of corporate consolidation starting in the 1980s and was exposed during COVID-era market disruptions.

Nick Nemec, a longtime farmer and rancher, said the proposed rule could help.

"If we had -- you know, I don't know what the right number is -- a dozen, 20 packing plants slaughtering beef, then there'd be real competition in the marketplace," Nemec pointed out.

Vice President Kamala Harris, in a speech last week, said competition helps drive down prices. She also promised to support small businesses and implement a first-ever federal ban on price gouging, an approach her opponents called "price control."

Current laws against price gouging exist at the state level and some states do not have laws on it at all.

In South Dakota, Nemec runs a cow-calf operation and said while he does not deal directly with the big four beef corporations, he and his peers still feel the effects of the monopoly.

"We're the little bitty pipsqueaks at the bottom of the food chain," Nemec observed. "There's nothing we can do about it. I mean, we're at the whim of the market."

The comment period for the proposed rule ends Sept. 11.


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As Social Security marks its 89th anniversary, the program's future remains a crucial topic of discussion.

Jennifer Carlson, state director for AARP Ohio, led a community conversation to commemorate the event, focusing on the challenges facing Social Security and the importance of protecting it for millions of Americans. She said the program remains vital for older Americans.

"Ninety-four percent of Ohio's voters age 50 and older are more likely to vote for a candidate who will work to protect Social Security," Carlson reported. "From our viewpoint, if you pay into it and earn through a lifetime of hard work, you should count on it."

During the event, Carlson emphasized the financial challenges facing Social Security, particularly the risk of a 20% benefit cut if Congress does not act. Panelists discussed potential solutions, such as eliminating the payroll tax cap and improving the cost-of-living adjustment formula to ensure the program's long-term solvency.

Carlson argued it is important for the community to stay involved in securing Social Security's future and AARP is committed to helping older Americans navigate their options.

Max Richtmam, president and CEO of the National Committee to Preserve Social Security and Medicare, sought to dispel common myths surrounding Social Security. Richtman addressed one of the most common misconceptions, which suggests Social Security is broke.

"That is untrue, totally false," Richtman stressed. "When people hear that, they think, 'Well, I may as well not support the program because it's going to be broke.' But that's simply not the case."

Richtman explained while the surplus in Social Security's trust fund is being drawn down, it will never be completely depleted unless the country faces 100% unemployment. He also rebutted claims that undocumented workers are draining the system. He pointed out they also contribute to Social Security, but will never collect benefits if they lack a valid Social Security number.

Romina Boccia, director of federal budget and entitlement policy at the Cato Institute, addressed the economic implications of potential solutions and warned raising payroll taxes to avoid benefit cuts could impose a burden on younger workers.

"A U.S. worker earning about $60,000 a year would end up paying more than $10,000 in taxes for to keep the program funded as it is currently," Boccia outlined. "That would be a more than $3,000 tax increase for someone making a fairly modest income."

The event concluded with a clear message: Social Security remains a cornerstone of financial security for millions but its future depends on informed public discourse and responsible political action. A future event is planned in Sioux Falls, South Dakota.