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May 19th, 2009
That bill that everyone's been talking about a while just passed with most of the good protections still in tact (go figure). Essentially, the bill is a shinging example of regulation at its best and industry at its worst as it mandates that credit companies stop doing things that are dishonest and one-sided.
Wow. Who knew that without laws to prevent it, companies would stoop to one-sided and dishonest policies for the sake of money… hmmm.
Some of the major points:
Plain-English contracts
Can't raise interest rates on existing balances unless the card holder is 60 days behind, then the rate has to be restored if payments are on time for six months.
45 days advance notice required for rate increases.
Credit card companies can't charge a late fee if they themselves are late processing a payment.
Statements have to get mailed 21 days before the payment is due.
Harder to give credit cards to people under 21.
Rates can be increased within the first year
Promotional rates have to last at least 6 month
This entry was posted on Tuesday, May 19th, 2009 and is filed under
and is filed under
Congress, Dirty Tricks, Good news, Retailers
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March 10th, 2009
In a direct slap across the face to the barely legal Freecreditreport.com, the FTC has released a spoof video of the pirate restaurant ad to highlight that there's only ONE place to get free credit reports and the rest are all pay services in disguise.
Beware of the others,
There's always a catch,
They claim to be free,
But there are strings attached,
Brilliant!
It's so very rare that regulatory agencies actually get it right! Send this link to everyone you know and make sure they see it too.
This entry was posted on Tuesday, March 10th, 2009 and is filed under
and is filed under
Agencies, Congress, Good news, Identity Theft, Our Government
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December 4th, 2008
The bailout from this year alone costs more than 3 wars and NASA's budget for as long as it's been in existence. Can we please stop talking about deregulation now?
This entry was posted on Thursday, December 4th, 2008 and is filed under
and is filed under
Congress, Our Government
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October 14th, 2008
You would think that Bush would try to do something to help his popularity at the very end in a desperate and mostly futile attempt to make people, the world, and history hate him a little less. Instead, he's busy at work further eroding our privacy, liberty, and the balance of power between gigantic unfeeling corporations and the little guy. He signed into law a piracy act that was not needed and gives more power to the RIAA to do their dirty work.
Thanks Bush!
(H/T to Digg.com for the link)
This entry was posted on Tuesday, October 14th, 2008 and is filed under
and is filed under
Bushiness, Congress
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October 6th, 2008
This entry was posted on Monday, October 6th, 2008 and is filed under
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Congress, Our Government
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August 8th, 2008
I found this online petition to remove Pelosi for failing to do her job and being a political hack. Even if Congress couldn't pull an actual impeachment (which I believe they could for trying to block investigations of the White House staff alone), then they could still do something.
Make sure you also support Dennis Kucinich's petition for impeachment hearings for Bush and Cheney!
This entry was posted on Friday, August 8th, 2008 and is filed under
and is filed under
Bushiness, Congress
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July 16th, 2008
There's still no way in Hades that I'll ever vote for McCain, but Obama has been sorely disappointing recently. First he voted for Telco immunity despite his promises to filibuster any such attempt. Now Republicans have cleverly used web technology to alert them (and us) to changes on his website. Specifically to the pages that list his policies.
If anything, the changes simply reflect that Obama is just another politician.
Sad, but true. If I was certain McCain would lose, I'd put my vote where it counts. Either to Ron Paul or Patrick Leahy. Even if he is a scientologist, he at least defends our privacy rights.
(H/T to Slashdot for the link)
This entry was posted on Wednesday, July 16th, 2008 and is filed under
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Congress
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July 15th, 2008
Here's a take that I'm ashamed to admit I hadn't considered: Members of Congress may be protecting Bush because of votes they made previously that might seem to have supported his illegal activities. While it might not end in prosecution, it could end their lucrative Congressional careers.
So, of course key Congressional Democrats who were made aware of these illegal torture and surveillance programs are going to protect the Bush administration and other lawbreakers. If you were Jay Rockfeller or Nancy Pelosi, would you want there to be investigations and prosecutions for torture programs that, to one degree or another, you knew about? If you were Jane Harman, wouldn't you be extremely eager to put a stop to judicial proceedings that were likely to result in a finding that surveillance programs that you knew about, approved of, and helped to conceal were illegal and unconstitutional?
(H/T to Digg.com for the link)
This entry was posted on Tuesday, July 15th, 2008 and is filed under
and is filed under
Accountability MIA, Bushiness, Congress, If You Only Knew
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July 10th, 2008
In Senate debate, Patrick Leahy (D-VT) argued strongly against telecom immunity, because it would make it almost impossible to ever find out what really happened and "the American people ought to know who in the White House said, 'Go break the law.'"
Sen. Russ Feingold (D-WI) noted that, "We're considering granting immunity when roughly 70 members of the Senate still have not been briefed on the president's wiretapping program. The vast majority of this body still does not even know what we're being asked to grant immunity for."
These were the protests that smarter senators made before the vote. They were ignored. The "FISA update" including immunity was passed yesterday.
"I sit on the intelligence and Judiciary committees, and I am one of the few members of this body who has been fully briefed on the warrantless wiretapping program," said Sen. Russell Feingold (D-Wis.), another prominent opponent. "I can promise that if more information is declassified about the program in the future, as is likely to happen . . . members of this body will regret that we passed this legislation."
This entry was posted on Thursday, July 10th, 2008 and is filed under
and is filed under
Accountability MIA, Big Brother, Bushiness, Congress
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June 23rd, 2008
Warning! Warning! You have found a RANT. Articles in this section are sounding boards for my frustrations. They usually (more like always) lack impartiality and may include arguments and "facts" that may not be supported. With time I may calm down and make this a real article, but for now, you have been warned...
Breaking news, Congress is full of quarter-witted imbeciles and corrupt sychophants. Wait… we knew that already. What is new is that now we have a roster of the members of the House who either have no clue about what's going on or have gone to the dark side (cue Darth Vader-like breathing).
Yesterday the House passed a FISA amendment act which includes a provision shielding telecommunications companies from any liability. In the coverage of the situation by Ars Technica, they were able to quote Nacy Pelosi as being an idiot:
(Bold text in parenthesis is mine)
The most extended apologia came from House Speaker Nancy Pelosi (D-CA), who urged that the compromise be judged by comparison with the Senate bill, which she characterized as the only realistic alternative (So we can't ask for a good law, only a less bad one? That's a great standard to live to). She outlined several ways in which the current legislation is preferable to the Senate's version. First, the compromise bill reasserts that FISA is the "exclusive means" for conducting electronic surveillance, which would require the president to ignore such language twice in order to launch an extralegal surveillance program, rather than only once, as under traditional FISA rules (So if the President breaks the law, now it would violate two laws instead of just one. The next time someone breaks a law, I wonder if it will result in jail time if it only breaks the law "once"). Second, it preserves prior judicial review of surveillance authorizations, except in "very, very rare" circumstances, such as when the attorney general asserts that waiting for a judge would entail delay (I think that recent history has shown how much we can trust to the "rarity" of the Attorney General approving anything a president might ask. Has she even been awake in the last decade?). Third, it contains specific provisions barring the use of authorizations targeting parties abroad as a pretext for targeting U.S. persons, presumably to be enforced by a board of psychics. Finally, it provides for an internal investigation of the extent of past surveillance, which Congress will act upon with the same legendary zeal for civil liberties it has displayed over the past seven years (Brilliantly summarized. Ars has some great writers.).
So in one day, the House voted to expand powers of the Judicial branch that they didn't need and shield their conspirators from liability against justice.
Don't get me wrong, if I got a letter from the Attorney General of the United states that required my company to do something and my lawyers said to do it, I would have and maybe that's what happened to the telcos. But if there is no accountability for the Attorney General, the President, and the involved Agencies, then the whole things tastes like Congress cooked us up some chili made of poo.
This entry was posted on Monday, June 23rd, 2008 and is filed under
and is filed under
Accountability MIA, Agencies, Big Brother, Bushiness, Congress, DRM, Good news, Public Confidence, Utter Failure, Your Rights
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June 18th, 2008
Five years after CAN-SPAM did nothing to prevent Internet spam, Congress is ready to consider a similarly useful anti-spyware act.
the CSA states that it's illegal to steal someone's personal identification information off of their computer either via direct physical access or through a third-party program. It should be noted, however, that all of these things are already illegal under federal and state law
I just quoted since I couldn't have said this better myself. Original article here.
In the end, this ACT seems that it will only legalize spyware just as it's predecessor legalized SPAM.
Thanks congress!
This entry was posted on Wednesday, June 18th, 2008 and is filed under
and is filed under
Congress
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May 27th, 2008
It's amazing and I promise it's no joke, but both congress AND Bush did something right by drafting, passing, and then signing into law the Genetic Information Nondiscrimination Act.
Some provisions of the law include:
- Prohibiting group health insurance plans and issuers offering coverage on the group or individual market from basing eligibility determinations or adjusting premiums or contributions on the basis of an individual's genetic information. Insurance companies cannot request, require or purchase the results of genetic tests, and they are prohibited from disclosing personal genetic information.
- Prohibiting issuers of Medigap policies from adjusting pricing or conditioning eligibility on the basis of genetic information. They cannot request, require or purchase the results of genetic tests, or disclose genetic information.
- Prohibiting employers from firing, refusing to hire, or otherwise discriminating with respect to compensation, terms, conditions or privileges of employment. Employers may not request, require or purchase genetic information, and they are also prohibited from disclosing personal genetic information. Similar provisions apply to employment agencies and labor organizations.
So much for the future shown by the movie Gattica.
Note that McCain would have probably vetoed it based on what I heard about him the other day.
(H/T to Slashdot for the link)
This entry was posted on Tuesday, May 27th, 2008 and is filed under
and is filed under
Bushiness, Congress, Good news
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May 22nd, 2008
I ended up sitting next to Peter Pietra, the head of the privacy department at the TSA. This gave me an interesting opportunity to talk about issues of privacy when dealing with their agency and the first thing I asked was about the pornographic backscatter x-ray devices.
He was clearly frustrated (and I don't blame him) as I'm sure this is a topic that assaults him regularly. The issue is that backscatter CAN see through your clothes, but the TSA orders the devices preconfigured at a level that prevents them from seeing pictures such as these one on the Internet. They are also unable to modify the configuration. In fact what they actually see, as shown on their site, is smeared blob that highlights objects, but not skin.
The issue that I have here is that if the TSA's claims of how they use the technology are true, then what the hell was all the hype about?
Images will be deleted immediately once viewed and will never be stored, transmitted or printed (the passenger imaging units have zero storage capability)
Metallic and non-metallic objects are displayed, including all items that a passenger may be carrying on his/her person
Also, according to the website, you can always choose to have a pat-down instead.
I asked Peter about this because it seems to me most people aren't going to know to go to the website and read about Backscatter before being faced with it at an airport, but he said that the sample picture on the web is printed right on the machine and people are supposed to be shown the picture and told of the option for pat down prior to being scanned.
Final Thoughts
I notice that the picture on the TSA site is from behind so probably doesn't fairly show how much frontal detail they would see so for full disclosure, they should show a frontal picture. However, I can understand why someone wouldn't want to show what amounts to nudity on these machines for propriety reasons and don't necessarily consider that evasive.
What more can you ask for than clear disclosure and a reasonable choice? Granted the technology can be used for worse things, but the devices is about as small and conspicuous as a casket so you'll never be scanned without your knowledge. If they are configured correctly, store nothing, and you can opt for a pat down, then perhaps some have been too harsh on both the technology and the agency.
Speaking of, EPIC's article that led me to write about backscatter in the first place unfairly show the capabilities of backscatter ignoring the actual use of the technology by the TSA. I'm sure there's someone from EPIC around the conference somewhere and I'll be sure to ask them about it.
Update
I found a few people from EPIC and told them that I felt that if the TSA is truly making efforts we want to support, we should reward them for it by providing coverage and modifications to our articles (without removing the information about the possible abuses that still might result). The man I spoke to agreed, though it will be interesting to see how quickly it changes, if at all.
Update 2008.09.24
I realized that I hadn't seen any progress here and decided to make a little more effort. I sent this e-mail to Lillie Coney, the EPIC Associate Director:
We'll see what, if anything, happens.
This entry was posted on Thursday, May 22nd, 2008 and is filed under
and is filed under
Agencies, Congress, Consumer Groups, Technology
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April 24th, 2008
I got this e-mail from a member of congress who I must have contacted at some point because I'm on his mailing list. Anyway, I think the point that he makes is valid. By the own words of the director of the FBI, if the CIA were torturing prisoners, the FBI would have a responsibility to investigate, but they didn't. Congressman Wexler pressured him to answer why and he evaded it.
Here's the email:
This morning, during a hearing in the House Judiciary Committee, I questioned FBI Director Robert Mueller on his agency's response to claims – made by his own FBI agents – that the CIA was torturing prisoners. I wanted to find out why, if the FBI's own agents had alleged illegal actions were taking place, there was no investigation into the CIA's illegal and immoral practices.
Mueller's responses, which I would like you to read below, create new concerns and call for further investigation in the days ahead.
I believe Mr. Mueller owes more to Congress and the American people than the half-answers he gave in his testimony today.
I would urge you to contact the editors and news departments of your local media and ask them to look into the responses below. It is critical that this discussion takes place beyond emails and blogs – and is covered by the mainstream media.
In two weeks the Judiciary Committee will be holding hearings to investigate the fact that the highest levels of the Bush Administration sanctioned and ordered the torture of prisoners in United States custody. This is intolerable and we must vigorously oppose this policy that demeans our nation and offends our conscience.
Please read the below transcript of my exchange with Mr. Muller.
This is a deeply troubling interchange which should be alarming to all Americans.
Congressman Robert Wexler
DONATE
—————————-
(TRANSCRIPT:)
Robert Wexler: Thank you Mr. Chairman. Mr. Director, in January of 2006, the New York Times reported that the NSA wireless wiretapping program had produced thousands of leads each month that the FBI had to track down, but that no Al-Qaeda networks were discovered. During a July 17, 2007 briefing, FBI deputy director John Pistole indicated that the FBI was not aware of any Al-Qaeda sleeper cells operating in the United States. In August of 2007 Congress passed the Protect America Act, giving the intelligence community greater access to electronic communications coming into and out of the United States. I have two questions in this regard.
RW: Has the FBI found any sleeper cells yet? One…
RW: Two. Has the NSA’s wireless wiretapping programs either before the Protect America Act or after led to the prosecution and conviction of any terrorists in the United States?
Robert Mueller: Well, as to your first question as to whether we have found affiliates or, as you would call them, cells of Al-Qaeda in the United States, yes we have. Again, I cannot get into it in public session, but I would say yes we have. With regard to the relationship of a particular case or individual to the terrorist surveillance program, again that is something that would have to be covered in a closed session.
RW: Alright, Mr. Director. An LA Times article from October, 2007 quotes one senior federal enforcement official as saying quote “the CIA determined they were going to torture people, and we made the decision not to be involved?? end quote. The article goes on to say that some FBI officials went to you and that you quote “pulled many of the agents back from playing even a supporting role in the investigations to avoid exposing them to legal jeopardy?? end quote.
RW: My question Mr. Director, I congratulate you for pulling the FBI agents back, but why did you not take more substantial steps to stop the interrogation techniques that your own FBI agents were telling you were illegal? Why did you not initiate criminal investigations when your agents told you the CIA and the Department of Defense were engaging in illegal interrogation techniques, and rather than simply pulling your agents out, shouldn’t you have directed them to prevent any illegal interrogations from taking place?
RM: I can go so far sir as to tell you that a protocol in the FBI is not to use coercion in any of our interrogations or our questioning and we have abided by our protocol.
RW: I appreciate that. What is the protocol say when the FBI knows that the CIA is engaging or the Department of Defense is engaging in an illegal technique? What does the protocol say in that circumstance?
RM: We would bring it up to appropriate authorities and determine whether the techniques were legal or illegal.
RW: Did you bring it up to appropriate authorities?
RM: All I can tell you is that we followed our own protocols.
RW: So you can’t tell us whether you brought it; when your own FBI agents came to you and said the CIA is doing something illegal which caused you to say don’t you get involved; you can’t tell us whether you then went to whatever authority?
RM: I’ll tell you we followed our own protocols.
RW: And what was the result?
RM: We followed our own protocols. We followed our protocols. We did not use coercion. We did not participate in any instance where coercion was used to my knowledge.
RW: Did the CIA use techniques that were illegal?
RM: I can’t comment on what has been done by another agency and under what authorities the other agency may have taken actions.
RW: Why can’t you comment on the actions of another agency?
RM: I leave that up to the other agency to answer questions with regard to the actions taken by that agency and the legal authorities that may apply to them.
RW: Are you the chief legal law enforcement agency in the United States?
RM: I am the Director of the FBI.
RW: And you do not have authority with respect to any other governmental agency in the United States? Is that what you’re saying?
RM: My authority is given to me to investigate. Yes we do.
RW: Did somebody take away that authority with respect to the CIA?
RM: Nobody has taken away the authority. I can tell you what our protocol was, and how we followed that protocol.
RW: Did anybody take away the authority with respect to the Department of Defense?
RM: I’m not certain what you mean.
RW: Your authority to investigate an illegal torture technique.
RM: There has to be a legal basis for us to investigate, and generally that legal basis is given to us by the Department of Justice. Any interpretations of the laws given to us by the Department of Justice….
(talking over each other)
RW: But apparently your own agents made a determination that the actions by the CIA and the Department of Defense were illegal, so much so that you authorized, ordered, your agents not to participate. But that’s it.
RM: I’ve told you what our protocol was, and I’ve indicated that we’ve adhered to our protocol throughout.
RW: My time is up. Thank you very much Mr. Director.
Could we get a little accountability over here?! Please?
This entry was posted on Thursday, April 24th, 2008 and is filed under
and is filed under
Accountability MIA, Agencies, Congress
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March 17th, 2008
Four people who had flown to DC to share their stories of credit woe with the congress members who are involved in the credit card bill of rights were deflected by a mandate by the committee that they must release their full financial history to the public (not just to the people involved in the committee, but the PUBLIC) before they could testify.
I'm not sure how members of congress could agree to such a move ("here congressman, here's a bag of money")… oh wait, now I think I know.
This entry was posted on Monday, March 17th, 2008 and is filed under
and is filed under
Accountability MIA, Congress
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February 22nd, 2008
Congress sticks their noses into a lot of things they shouldn't and not where they should. They are corrupt, inept, and won't do much to protect Americans unless it will make a positive affect on their careers or bank accounts.
Now they're looking at cyberbullying and it's hard to say if that's a good thing or not. Given their history, chances are that it's not.
This entry was posted on Friday, February 22nd, 2008 and is filed under
and is filed under
Congress, For Families
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February 5th, 2008
According to their annual report to congress, the Federal Trade Commission recieved over 69,000 complaints that debt collectors were violating the Fair Debt Collection Practices Act (the law that prevents them from harassing you or using dirty tactics to try and get you to pay a debt). In response, the FTC filed against 3 debt collectors.
Thanks FTC!
This entry was posted on Tuesday, February 5th, 2008 and is filed under
and is filed under
Accountability MIA, Congress, Public Confidence
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December 19th, 2007
Well good.
Let's hear it for the bloggers!
This entry was posted on Wednesday, December 19th, 2007 and is filed under
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Accountability MIA, Congress, Good news
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December 6th, 2007
Over 10 Million e-mails were deleted during historically important time periods (also periods where corruption and incompetence have been alleged). How convenient that they're "missing".
Either way, count another law broken by the Bush administration.
(H/T to Digg.com for the link)
This entry was posted on Thursday, December 6th, 2007 and is filed under
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Accountability MIA, Bushiness, Congress
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October 19th, 2007
Finally! Some guts!
Senator Chris Dodd will block the FISA renewal bill as long as it grants retroactive immunity for their involvement in the illegal spying. Of course, the FISA bill should have been blocked anyway. Not that I read it, but if Bush agreed with it, then it definitely didn't go far enough.
This entry was posted on Friday, October 19th, 2007 and is filed under
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Congress
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Article at Random
Unlocker - Force Delete of Files Windows XP Won't Let YouIt's hard to describe the pure, violent RAGE I feel every time I try to delete a file and Windows says you can't without any way to over-ride it and MAKE IT DELETE.
(I'm getting mad just thinking about it now)
Enter Unlocker. A simple, free utility that makes Windows work the way they should have...
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