The Colorado Avalanche has teamed up with Xcel Energy to generate funds to help people struggling to pay their energy bills this winter. Every time the home team gets an assist, Xcel Energy will donate $1,000 to Energy Outreach Colorado.

Denise Stepto, chief communications officer with Energy Outreach Colorado, the nonprofit that helps ratepayers who can't pay their heating bills, said a disproportionate number of households include children, people with physical or intellectual disabilities, and seniors living on fixed incomes.

"So you can imagine that when your energy bill is going up, instead of staying stable, being able to afford that is really a challenge," she explained.

For the uninitiated, assists are awarded in hockey when a scoring shot touches another player before going into the net, meaning they were "assisting" in the goal. As of January 25th, Xcel has donated $171,000 to Energy Outreach Colorado. If you need an assist, call toll free 866-HEAT-HELP, that's 866-432-8435.

For the week ending January 21st, Stepto said they received 555 applications for assistance, and spent more than $333,000 to help people stay warm. She added people who have never had to ask for assistance in the past are finding it hard to pay their bills.

"We are also seeing more younger people, people who are teachers, people who have never been in a tricky situation like this before," she continued.

Last year, Energy Outreach Colorado helped more than 26,000 households with energy bills. Around 6,000 were households with older Coloradans, 7,600 people with disabilities, and more than 15,000 households had children.

Fear, shame, and helplessness are feelings Minnesota fraud victims describe after losing their life savings to a scam.

They're hopeful about a path to financial recovery as state lawmakers finalize a new tool to lean on.

Under a bill poised for final passage, Minnesota would join a handful of other states in creating a Consumer Fraud Restitution Fund.

A percentage of money collected from civil penalties leveled against suspected fraudsters would be diverted into a state-managed account.

That money would be divvied up among people who've had trouble recovering money in their cases.

Dennis Anderson of Maplewood told lawmakers that was the situation for him.

"It can happen to anyone," said Anderson. "Scammers exploit emotions and fears, robbing us from our financial security."

Anderson lost $20,000 after getting a frantic call from someone posing as his grandson about a legal matter.

The legislation is now part of a large omnibus bill as lawmakers near the end of session.

The measure has bipartisan support, although some Republicans want more transparency in how the money is handled. Sponsors say the plan has enough guardrails.

State Senator Ann Rest, DFL-New Hope, is the bill's main sponsor.

She said those guardrails include caps on how much money can go into the restitution fund, before the rest is moved into the general fund.

She noted that they also added language that a victim who receives restitution won't have to list it on their tax return. Rest said it's one way to make them feel better moving on from what happened.

"People lose their dignity over it," said Rest. "Sometimes they have risked a lot of their retirement income. They feel embarrassed, and by having a restitution account, it allows some restoration of that dignity."

AARP Minnesota worked closely with lawmakers on this plan.

It highlights data from the first three quarters of 2024, when the Federal Trade Commission received more than 22,000 fraud reports from Minnesotans, with losses totaling nearly $103 million.

For now, Minnesota officials say panic has eased over federal funding for a program helping low-income households with their energy bills but there is still concern about long-term budget moves.

The state said last Thursday, it received its last remaining share of Low-Income Home Energy Assistance Program grants for the current fiscal year, which means Minnesotans still needing help catching up on heating costs from this past winter will not be left behind. States were kept waiting on funds after the Trump administration laid off the entire staff in charge of sending the money out.

Lissa Pawlisch, assistant commissioner of federal and state initiatives for the Minnesota Department of Commerce, said they are relieved, noting the long-standing program is a lifesaver.

"This is something that helps support your neighbor, your grandmother," Pawlisch pointed out. "It is what is needed to make sure that every Minnesotan has a warm and safe environment for their children, for elderly, for folks with disabilities."

The state had warned it was dangerously close to exhausting funds. For the next federal fiscal year, President Donald Trump has proposed eliminating LIHEAP. However, Congress will have a say on the program's future, as it enjoys bipartisan support. The White House said state utility disconnection laws make LIHEAP unnecessary but advocates countered such protections are temporary and energy bills still need to be paid.

The Trump administration pointed to a 15-year-old Government Accountability Office report on LIHEAP which identified potential cases of fraud. However, state directors said reforms have helped strengthen the program's integrity. Pawlisch added the federal aid gets sent to utilities on behalf of customers in need, preventing people from exploiting the service.

"We don't want to see any waste, fraud or abuse in these programs," Pawlisch emphasized. "We want to make sure that those dollars are helping the people who really need them."

The department said so far this year, Minnesota's Energy Assistance program has helped more than 116,000 households. Demand is higher in rural counties, especially in the northern half of the state.

Officials said aid does not just go toward energy bills. Participants can also tap into it for filling up propane tanks or to cover emergency repairs for furnaces.


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Congress has overturned legislation which would have limited bank overdraft fees before the measure could go into effect.

The Consumer Financial Protection Bureau said Texans have filed almost 3,000 complaints about overdraft fees. The rule would have capped fees at $5 or limited them to cover costs and losses.

Ann Baddour, director of the Fair Financial Services Project for the advocacy group Texas Appleseed, said the $35 to $40 fee can negatively affect someone who might already be struggling financially.

"To have these mounting charges for often relatively small amounts of money that people are over drafting, it can be a real burden, particularly on families who are struggling or people living paycheck to paycheck. "

She pointed out low-income people are hurt most by bank fees. The overdraft rule was set to go into effect Oct. 1.

The bureau said the nation's biggest banks take in roughly $8 billion in charges and fees every year. Complaints from Texans increased by more than 130% from 2023 to 2024.

Kimberly Fountain, field manager at Americans for Financial Reform, said the rule would have saved Americans $5 billion annually.

"Most debit card overdrafts are less than $26, far below the typical fee and are repaid within three days resulting in the equivalent of a 16,000 percentage rate loan," Fountain emphasized. "Often for transactions consumers would rather have been denied. "

Republicans argued the rule would have forced banks to stop offering overdraft protection altogether making it harder for Americans to access credit. Baddour and Franklin added people in support of overdraft fee reform can still contact lawmakers.