CHARLESTON, W. Va. – Citizen and consumer groups are warning of Wall Street-backed efforts in Congress to hobble a financial regulator that protects ordinary people.

Congress created the Consumer Financial Protection Bureau (CFPB) in response to public outrage after the last financial meltdown. But according to Woody Little, campaign organizer with the U.S. Public Interest Research Group, lenders are now spending huge amounts of money to back bills intended to weaken the CFPB. He said the bureau became a thorn in the side of banks like Wells Fargo when it caught them cheating consumers.

"Many Wells Fargo customers throughout the country, including in West Virginia, are getting money back right now from the CFPB,” Little said. "So, there's actually money in their bank accounts that was being leached off by some predatory practices."

Wells Fargo landed in hot water when for creating around 2 million accounts without customers' knowledge or approval - running up millions in artificial fees.

Sen. Shelley Moore Capito, whose husband is a local Wells Fargo executive not connected to the scandal, has said she favors "reform" of the CFPB, which has been criticized by some as a case of government overreach.

Little said proposals now in Congress would change how the CFPB is funded and how it is governed. And while those changes might look like reform, he said they're really designed to undermine the independence necessary for the agency to do its job.

"We have a consumer agency to make sure our toasters don't blow up in our homes, and we can buy toasters with confidence because of that,” Little argued. "So, this is just making sure that the consumer products that we get in the financial industry are safe; they're not taking advantage of folks."

The CFPB has written limits on forced arbitration, regulated the fine print in credit card contracts and protected military families from predatory lending. Little said the agency is overwhelmingly popular with voters of both parties when people are familiar with what it does. But it has some enemies in D.C.

"This is a bipartisan issue. There are clear elements of both parties that are influenced by Wall Street,” Little said. "We've got to make sure the money is organized. The only thing that's not organized is the people."

According to contribution records, the financial industry - from Wall Street banks to payday lenders - spent over $2 million per day during the election; a total of $1.4 billion.



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Some federal incentives to bring internet access to Indian Country neglected to require tribal participation, according to a new report.

The Federal Communications Commission's 2020 Rural Digital Opportunity Fund awarded more than $9 billion to cable and satellite operators, phone companies and others to deploy broadband in areas lacking it. The report from the Institute for Local Self Reliance showed the program included no requirement for tribal consent or engagement before companies placed bids.

Jessica Auer, tribal broadband policy analyst at the Institute for Local Self Reliance and the report's author, said it left some tribes, especially those with their own broadband projects, in what she called a "bureaucratic boondoggle," leading to "tension and confusion."

"They're required to spend resources and staff time trying to contest these awards, confronted by outside providers who feel that they have a mandate and a right to build on sovereign tribal lands," Auer explained.

Auer argued not including tribal nations at the table is, in many cases, considered a violation of tribal sovereignty. According to a 2022 study, households in tribal areas are about 24% less likely to have access to broadband internet than others.

In some cases, tribes are able to build the projects themselves. The Rosebud Sioux Tribe was awarded a $40-million grant to connect more than 1,500 tribal households with fiber internet access and an LTE wireless network.

Auer noted it is preferable to a company building infrastructure in unfamiliar terrain, which can be detrimental.

"I just can't think that it necessarily makes them the most long-term effective and sustainable answer, when they have so little knowledge and familiarity with local realities," Auer added.


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Iowa has enlisted the help of businesses across the state to take on human trafficking.

Tomorrow marks World Day Against Trafficking in Persons, and the state is calling on residents and employees alike to be aware of the signs that someone could be a victim.

The widepread use of social media has made it harder to corral sex traffickers in recent years.

Secretary of State Paul Pate launched the Iowa Business Against Trafficking Initiative in 2022, to ask 300,000 employees of 800 Iowa businesses to be the eyes and ears if they sense a person is being trafficked.

"Well, we're not asking anyone to be a hero here," said Pate. "What we're asking them to be is good neighbors. It's like a neighborhood watch program. You watch for suspicious or unusual behavior, activities that are going on, and let law enforcement know - because they can't be everywhere all the time."

Pate has enlisted the help of the U.S. Department of Homeland Security this year - which has started an initiative to remind people that if they suspect they spot human trafficking, they should say something to local authorities.

Tom Ruck is the senior engagement manager for the Department of Homeland Security's Blue Campaign against human trafficking, and has been in Iowa to boost Pate's efforts at confronting it.

He said it's important not to try to physically step in and rescue a person who appears to be a trafficking victim, even if that's the natural inclination of someone who wants to help.

"But we could put you at harm for doing something," said Ruck. "The trafficker may try to hurt you - and definitely the person being trafficked could be put in harm's way, down the road. So we say, 'Call your local authorities.'"

He added that traffickers often prey on young people who report feeling isolated, depressed, or estranged from their parents - and the criminals work those angles to make contact with prospective victims.




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A new survey shows there's been an increase in the number of police officers on the streets since the COVID-19 exodus, but some Americans are still behaving badly when they think no one's looking.

A survey by the Police Executive Research Forum shows more sworn officers were hired in 2023 than any of the previous four years, and fewer officers overall resigned or retired.

Lance LoRusso, founder of the Blue Line Lawyer Institute, said bad behavior is still evident in communities where not enough officers were available to patrol parks or other public spaces.

"There is a segment of the population that if they don't believe there's consequences for their actions, they will not act in a lawful manner," LoRusso asserted. "They don't, because there's nobody making sure that they're taking care of their obligations and they're treating each other in a civil manner."

More than 200 law enforcement agencies responded to the survey. It showed that while small and medium departments had more sworn officers than they did in January 2020, large departments are still more than 5% below earlier staffing levels.

In March, New Mexico's Bernalillo County Sheriff's Department announced a crackdown on drivers traveling at excessive speeds, which LoRusso said became a problem during the pandemic coast to coast and has not subsided in some areas. He says citizens should not hesitate to report such incidents.

"People racing cars is dangerous. It's completely anti-social, unlawful, dangerous behavior that shows a complete disrespect for the other people in your community. And yet, it's tolerated," he said.

Car break-ins also increased during the pandemic, which LoRusso said might feel like an isolated incident, but is usually indicative of a larger problem.