South Dakota is among the states with the highest percentage of residents carrying medical debt but a new federal rule announced this week could ease some of the pressure when they apply for loans.

The Consumer Financial Protection Bureau has finalized a rule stating credit agencies cannot share a person's medical debt history with a lending institution requesting credit information. The only debt details that can be relayed to determine a person's creditworthiness are mortgages, car loans, credit cards and similar activity.

Patricia Kelmar, senior director of health care campaigns for the U.S. Public Interest Research Group, said groups like hers had long pushed for this move.

"Medical debt is not really indicative of somebody's ability or desire to pay back a loan," Kelmar pointed out. "Oftentimes people are in a situation where they get a bad medical diagnosis, or they've been in a car accident. Suddenly they have a lot of medical bills."

According to the Peterson-KFF Health System Tracker, nearly 18% of South Dakota adults report having medical debt. The national average is 8%. Some credit agencies already exclude medical debt in loan situations.

Kelmar acknowledged the incoming Trump administration could seek to reverse this rule change, as some advisers have said they want to do away with the Consumer Financial Protection Bureau altogether.

Pushback is also expected from debt collection firms. Kelmar emphasized skeptics should know keeping medical debt out of the equation is good for the overall economy.

"The long arm of medical debt can really hurt people's financial future and their ability to get better," Kelmar contended.

For example, she noted a person emerging from a medical scare might need a new car to rejoin the workforce but the sudden health care debt they incurred might get in the way. The new rule will be effective 60 days after it's published in the Federal Register.


get more stories like this via email

They may offer people a legitimate way to convert cash into cryptocurrency but crypto ATMs are also popular with scammers.

Washington had the highest rate of reported impostor scams in the country in 2023, according to the Federal Trade Commission. The Spokane City Council recently passed a resolution supporting more state regulations for the crypto ATMs, including limits on how much money can be withdrawn daily.

Det. Tim Schwering of the Spokane Police Department, said his office is receiving two or three calls a day about crypto ATM scams.

"$50,000 is very common in losses," Schwering pointed out. "You know, $100,000, $200,000 in losses, entire life savings wiped out from these types of scams."

Schwering noted most of the scams center around fake romantic relationships or bogus investment opportunities. He added most of the scammers are based in countries with no diplomatic relationships with the U.S. law enforcement. Even if he can find the money in countries like China, Russia or North Korea, he cannot get it back.

Schwering emphasized investment scams can be especially hard to recognize because scammers will allow victims to withdraw some money after making it look like their investment has grown on a fake website. Once victims feel secure they can withdraw their supposed "earnings," the con escalates. The FBI estimates Americans were robbed of close to $6 billion in 2023 through crypto-related scams.

"When you're making that kind of money, you can put money into building websites that are, they look like, legitimate investment websites," Schwering explained.

Schwering is working with the Washington State Department of Financial Institutions on legislation to limit the amount of money someone can deposit into a crypto ATM to $1,000 a day. He said it will not solve the problem but could help mitigate the potential losses.


get more stories like this via email

A bill reforming the New York-New Jersey Port Authority is coming back before New York's Legislature.

The reforms it would implement date back to the Bridgegate scandal of former New Jersey Gov. Chris Christie. The bill increases oversight measures and transparency regarding capital planning. Although it passed with bipartisan support during last year's legislative session, Gov. Kathy Hochul vetoed it.

Rachael Fauss, senior policy analyst for the group Reinvent Albany, said the reforms can improve the agency.

"It would require much more public consultation, notification and hearings about the Port Authority's capital plan," Fauss explained. "Port Authority is actually the second-biggest public authority in New York State."

The legislation would add nonvoting members such as mass transit users to the Port Authority's board. It also requires members of the Port Authority to appear before the legislatures in New York and New Jersey when there is a public hearing. In her veto message, Hochul said she wants a more collaborative bill with New Jersey officials but Fauss feels signing the bill would have opened communication. So far, the bill is in committee.

New Jersey's Legislature has yet to pass a similar bill to enact the reforms. The hope is to increase public awareness about the agency's more than $9 billion budget. The Port Authority's primary opposition to the bill centered around how the changes might restrict its operations.

Fauss noted there are concerns the agency is too independent.

"Public authorities of states are often seen as being independent agencies, but that can go too far, and they can act without accountability," Fauss contended. "There is that sort of gut reaction of, 'Well, don't we want this authority to be independent?' But, obviously, we think that has gone too far because it was used for political purposes."

While it remains to be seen how the bill could shake out in the coming session, it could get bogged down in politics. Given New York enacted congestion pricing, which New Jersey has long opposed, it is uncertain whether the two states will come together about the legislation and Port Authority's reforms.

By Kristoffer Tigue for Inside Climate News.
Broadcast version by Mike Moen for Minnesota News Connection reporting for the Solutions Journalism Network-Public News Service Collaboration

Andrew Garberson has a message for drivers in cold-climate states like Minnesota: Yes, you can still drive an electric car.

Public scrutiny over how well EVs perform in cold weather has grown in recent years following high-profile incidents, like one in Chicago last winter, when several Tesla drivers found themselves stuck in line for hours, waiting for their turn at public charging stations as temperatures dipped below zero. Many drivers reported that the cold had not only sapped their batteries of power but also made charging them a major hassle.

Cold weather temporarily reduces the available energy of EV batteries and slows their ability to charge-though they'll function normally again in warmer conditions. Heating the car's cabin during winter also requires energy from the battery, meaning less fuel for travel.

Research has found that freezing temperatures can reduce the average driving range of an electric vehicle anywhere from 25 percent to 41 percent, depending on the circumstances. So, a car that can drive 100 miles on a single charge when it's 70 degrees Fahrenheit outside may only be capable of going 59 to 75 miles in freezing temperatures.

But Garberson, who lives in Iowa and works as the head of growth and research for the EV advocacy group Recurrent, said incidents like the one in Chicago have been overblown in the media, and that drivers shouldn't avoid buying an electric car just because they live somewhere with cold winters.

"I drive an EV every day, and my winter is almost as harsh as yours [in Minnesota]," he said. "The anxiety around winter and reduced range, while it's not inaccurate, is just a bit overhyped."

EVs aren't the only cars to suffer performance issues under frigid conditions. Conventional gasoline cars lose between 10 percent and 20 percent of their driving range when the temperature drops from 77 degrees Fahrenheit to 20 degrees, according to the U.S. Department of Energy.

If drivers are properly prepared, most EVs should hold up fine in cold situations, Garberson said. Drivers can take certain steps to ensure their commute goes as smoothly as possible, he added, such as preconditioning their batteries before charging them-a setting on most modern EV models that warms the battery to an optimal temperature, allowing for faster charging.

Recurrent also reviews EV models every year to see how much cold weather impacts their range, which could help shoppers choose which model would work best for their needs, Garberson said. This year, the organization looked at 13 popular models, analyzing real-world driving data from over 10,000 vehicles. It found that those models lost 21 percent of their range on average when temperatures drop to 32 degrees Fahrenheit. But the loss varied drastically by model and year.

The Tesla Model X had the smallest range loss, with an 11 percent decrease, while the Volkswagen ID.4 had the largest at 37 percent. The biggest factor, Garberson said, was whether the vehicle had a heat pump, which is more efficient than conventional heating systems and therefore reduces overall power use. Studies show that the power needed to heat the car's cabin is a big reason for range loss.

The EV models that did not utilize a heat pump, including the ID.4, saw their batteries reduced by an average of 28 percent, compared to an average of 13 percent for cars with heat pumps, Recurrent's analysis found. Overall, heat pumps added roughly 10 percent extra range to cars during freezing conditions, the report said.

Garberson said cars built in 2020 or later are more likely to have heat pumps installed than older models. Many popular models now have them or will soon have them, he added, noting that Ford added heat pumps to its 2024 F-150 Lightning and is adding them to its Mustang Mach-E in 2025.

"A lot of the [car companies] have added heat pumps because they've realized how important it is for people in northern climates," Gaberson said. "So that's my No. 1 piece of advice, is just do a little bit of research about the technology in the car because it can make a 10 to 15 percent difference in overall range."

Ingrid Malmgren didn't know her Tesla Model Y, which she bought in November 2022, had a heat pump when she decided to take her family on a four-hour road trip from her Vermont home to Quebec City, Canada, last February. The day they left, she said, the high was 7 degrees Fahrenheit.

"I'm not gonna lie, I was nervous about it," said Malmgren, who works as the senior policy director for Plug In America, another EV advocacy organization. "But it was a complete non-issue. We charged once along the way."

Malmgren said her experience is a common one for first-time EV buyers. A recent Plug In America survey of more than 3,000 EV owners found that 70 percent of the respondents worried about battery range before buying an electric car. The survey, however, also found that only 35 percent remained concerned after owning an EV.

"What we've found with our Plug In America survey is that a lot of people have concerns about cold weather operation of electric vehicles," she said. "But once they get in an electric vehicle, once they start driving an electric vehicle consistently, they find that these concerns go away."

The vast majority of the EV owners who remain concerned about range own EVs built before 2020 and live in rural areas, Malmgren added, where charging infrastructure is scarcer and drivers typically travel longer distances.

The survey also ranked owner satisfaction for different EV models, including for the car's battery range. Out of the 14 different EV models included, Rivan's R1T truck received the highest satisfaction rating for range performance from the survey respondents. Tesla's Model Y sedan received the second-highest rating.

Charging speed may be another factor prospective EV buyers want to consider. Garberson said newer models can typically charge faster than older models. His 2021 Hyundai Kona can charge in 30 to 40 minutes, he said, while his wife, who drives a 2023 Hyundai Ioniq 5, can charge her car in 12 to 14 minutes. Some used EVs that were built a decade or more ago, while cheaper, may take even longer to charge or require multiple charges a day, he added.

The most important thing to consider is your driving habits, Garberson said, adding that most drivers won't even notice when their EV loses range during cold weather.

"The average daily driving distance, it's like 30.2 miles," he said. "So it doesn't matter what EV you have. Any difference in range and cold conditions-or hot conditions, for that matter-isn't going to be something that materially impacts your daily driving."


Kristoffer Tigue wrote this article for Inside Climate News.


get more stories like this via email