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      How Consumers Can Protect Themselves With the CFPB on Pause

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      Rules on bank and credit card fees, medical debt and payment apps are in limbo. One thing you can do is carefully check your financial statements, one expert says.With the government seemingly stepping back from regulatory duties, consumers may have to act as their own financial watchdogs.The Consumer Financial Protection Bureau, the independent federal agency created after the 2008 financial crisis to shield people from fraud and abuse by lenders and financial firms, has been muzzled, at least temporarily.“Everything is on pause right now,” said Delicia Hand, senior director of digital marketplace with Consumer Reports. “So it’s back on consumers to be extra diligent.” Ms. Hand previously spent nearly a decade in a variety of roles at the Consumer Financial Protection Bureau, including overseeing complaints and consumer education, before departing in 2022.In early February, the Trump administration ordered the consumer bureau to mostly cease operations. It closed its Washington headquarters, fired some employees and put most of the rest of the staff on administrative leave, and opted not to seek funding for its activities. Several lawsuits are challenging the administration’s actions. On Feb. 14, a federal judge in Washington ordered the bureau to halt firing workers and not to delete data, pending a hearing scheduled for Monday.The administration, however, has already dialed back enforcement — dropping, for instance, a suit accusing an online lender of promoting free loans that actually carried high interest rates. On Thursday, the bureau dismissed a lawsuit that it had brought in January accusing Capital One of cheating customers out of some $2 billion in interest.It’s a stark change for an agency that had been energetic in adopting rules and filing lawsuits aimed at aiding consumers. Under the Biden administration, the bureau moved to reduce or eliminate various fees charged by banks and other financial firms and to remove unpaid medical debt from credit reports, and it fined a major credit reporting bureau for misleading consumers about credit freezes.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Dockworkers Vote to Accept New Labor Contract

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      Workers at East and Gulf Coast ports who went on strike briefly in October ratified a deal that includes a 62 percent raise over six years.Dockworkers on the East and Gulf Coasts voted in favor of a new contract on Tuesday, ending labor turbulence at ports that handle a large share of U.S. trade with the rest of the world.The dockworkers’ union, the International Longshoremen’s Association, said nearly 99 percent of its members had supported the contract, which raises wages 62 percent over six years and guarantees jobs when employers introduce technology that can move cargo autonomously.The deal was reached after a short strike in October, the first full-scale walkout since 1977, and the intervention of two U.S. presidents.Officials from the Biden administration pushed the United States Maritime Alliance, the group representing employers, to increase its wage offer, which ended the strike and brought the I.LA. back to the bargaining table. After his election victory, Donald J. Trump backed the union, saying he supported their fight against automation.“This is an incredible contract package,” Harold J. Daggett, the president of the I.L.A., said in a statement.Dockworkers have significant leverage in contract talks because they can shut down ports, throwing supply chains into chaos. But labor experts said Mr. Daggett had bolstered the union’s cause by calling a strike and by establishing strong ties with Mr. Trump.“The only way they would have gotten a deal like this was through striking, showing that they had the economic power and, it turns out, the political power,” said William Brucher, an assistant professor at the Rutgers School of Management and Labor Relations.All 41 members of the Maritime Alliance, a group that includes port operating companies and shipping lines, voted for the contract, which covers the roughly 25,000 longshoremen who move containers on the East and Gulf Coasts.Under the contact, hourly wages will rise to $63 in 2029, from the current $39. That is comparable to the pay for dockworkers on the West Coast, represented by the International Longshore and Warehouse Union, whose wages will rise to nearly $61 in 2027.With overtime and higher rates for working at night, longshoremen can earn well over $200,000 a year.The I.L.A. has long opposed the introduction of automated cranes and other machines.Like the old contract, the new one bars employers from deploying machinery that can operate at all times without a person directing its moves. The West Coast longshoremen’s union has allowed such technology — like driverless container-moving vehicles — at its ports for years.But the I.L.A.’s new contract does not stop employers from adding cranes that can at times perform tasks — like stacking containers — without direction from a human. And the new contract makes it easier for employers to introduce such cranes.Still, the union got a job guarantee that management would assign at least one worker for each additional crane. (Now, one union worker might remotely oversee and operate several cranes at once.) More

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      Trump Marks Black History Month, Even as He Slams the Value of Diversity

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      The Black History Month reception held at the White House on Thursday had all of the pomp of celebrations past. Guests sipped champagne and snacked on lamb chops and collard greens. The crowd delighted in their invitations, snapping selfies. And when President Trump walked out alongside one of the greatest Black athletes in the world, Tiger Woods, the crowd roared with their phones in the air.But the dissonance in the East Room was jarring.Mr. Trump may have praised the contributions of Black Americans on Thursday, but he has spent the weeks since his inauguration eviscerating federal programs aimed at combating inequality in America. He has suggested that efforts spurred by the civil rights movement had made victims out of white people. He blamed a deadly plane crash over the Potomac River on diversity programs in the Federal Aviation Administration.On Thursday, Mr. Trump tried to show appreciation to the Black community by extolling those he sees as representative of Black American progress.“Let me ask you,” Mr. Trump said as he began his remarks, “is there anybody like our Tiger?”Mr. Trump and Mr. Woods are actively engaged in negotiations in search of a lucrative golf merger deal, and the president referred to Mr. Woods repeatedly during his roughly 20-minute address a crowd of several hundred guests. Mr. Woods wasn’t the only Black athlete to get a shout-out; Mr. Trump also heralded Muhammad Ali and Kobe Bryant.During his remarks, Mr. Trump made little reference to issues that have historically plagued the Black community, such as elevated poverty rates, the wage and wealth gap between Black and white Americans, and gun violence. He promised to put statues of Black Americans in a new “National Garden of American Heroes.”Among those to be honored was Prince Estabrook, an enslaved man and the first Black American to spill blood in the Revolutionary War, along with Harriet Tubman, Rosa Parks, Billie Holiday and Aretha Franklin — and maybe Mr. Woods one day, Mr. Trump said.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      California’s Push for Electric Trucks Sputters Under Trump

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      The state will no longer require some truckers to shift away from diesel semis but hopes that subsidies can keep dreams of pollution-free big rigs alive.President Trump’s policies could threaten many big green energy projects in the coming years, but his election has already dealt a big blow to an ambitious California effort to replace thousands of diesel-fueled trucks with battery-powered semis.The California plan, which has been closely watched by other states and countries, was meant to take a big leap forward last year, with a requirement that some of the more than 30,000 trucks that move cargo in and out of ports start using semis that don’t emit carbon dioxide.But after Mr. Trump was elected, California regulators withdrew their plan, which required a federal waiver that the new administration, which is closely aligned with the oil industry, would most likely have rejected. That leaves the state unable to force trucking businesses to clean up their fleets. It was a big setback for the state, which has long been allowed to have tailpipe emission rules that are stricter than federal standards because of California’s infamous smog.Some transportation experts said that even before Mr. Trump’s election, California’s effort had problems. The batteries that power electric trucks are too expensive. They take too long to charge. And there aren’t enough places to plug the trucks in.“It was excessively ambitious,” said Daniel Sperling, a professor at the University of California, Davis, who specializes in sustainable transportation, referring to the program that made truckers buy green rigs.California officials insist that their effort is not doomed and say they will keep it alive with other rules and by providing truckers incentives to go electric.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Trump Administration Move to Freeze E.V. Charger Funding Confounds States

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      A new federal order that freezes a Biden-era program to build a national network of electric vehicle charging stations has confounded states, which had been allocated billions of dollars by Congress for the program.In interviews on Friday, some state officials said that as a result of the memo from the Trump administration, they had stopped work on the charging stations. Others said they intended to keep going.In Ohio, where Gov. Mike DeWine, a Republican, has welcomed federal money to build 19 E.V. charging stations, Breanna Badanes, a spokeswoman for the state’s Transportation Department, said Friday that “it’s safe to say we’re not sure” how or whether the state will build more.“Those stations will continue operating, but as far as what comes next, we’re in the same boat with everyone else, just trying to figure it out,” she said.The Feb. 6 memo signed by Emily Biondi, an associate administrator at the U.S. Transportation Department, said that the administration was “suspending approval of state electric vehicle infrastructure deployment plans.” The memo singled out the National Electric Vehicle Infrastructure, or NEVI, program, which was authorized under the 2021 bipartisan infrastructure law.A national network of fast charging stations was part of President Joseph R. Biden’s Jr.’s effort to combat climate change by accelerating the nation’s transition to electric vehicles.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      How Biden Should Spend His Final Weeks in Office

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      The days are dwindling to a precious few before President Biden relinquishes his tenancy at the White House to Donald Trump. Four years ago, in his inaugural address, Mr. Biden promised to “press forward with speed and urgency, for we have much to do in this winter of peril and possibility.” The peril remains, but so do the possibilities.Last week he announced that he was commuting the sentences of nearly 1,500 people and pardoning 39 others convicted of nonviolent crimes. Eleven days earlier, in a decision widely criticized, Mr. Biden pardoned his son Hunter, who was awaiting sentencing on gun possession and income tax charges.There is still much the president can do before he repairs to Delaware. He can spare federal death row prisoners from the fate some almost certainly will face when Mr. Trump returns. He can make the Equal Rights Amendment a reality after decades of efforts to enshrine it in the Constitution. He can safeguard magnificent landscapes that might otherwise be desecrated. He can protect undocumented immigrants facing deportation, alleviate crushing student debt facing millions of Americans and protect the reproductive rights of women. And more.New York Times Opinion contributors share what they hope President Biden will accomplish during his remaining time in office.Yes, time is running out for Mr. Biden’s presidency, but he can still repair, restore, heal and build, as he promised he would do on the January day four years ago when he took the oath of office. Here are a few suggestions:Commute the sentences of the 40 federal inmates on death rowBy Martin Luther King IIIBy commuting all federal death sentences to life, Mr. Biden would move America, meaningfully, in the direction of racial reconciliation and equal justice. In 2021 he became the first president to openly oppose capital punishment. Since his inauguration, the federal government has not carried out a single execution.If Mr. Biden does not exercise his constitutional authority to commute the sentences of everyone on federal death row, we will surely see another spate of deeply troubling executions as we did in the first Trump administration. A majority of those executed — 12 men and one woman — were people of color; at least one was convicted by an all-white jury and there was evidence of racial bias in a number of cases; several had presented evidence of intellectual disabilities or severe mental illnesses. The same problems were features in the cases of many of the 40 men on federal death row today, more than half of whom are people of color.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      U.S. Will Allow California to Ban New Gas-Powered Cars, Officials Say

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      California and 11 other states want to halt the sale of new gas-powered cars by 2035. President-elect Donald Trump is expected to try to stop them.The Biden administration is expected in the coming days to grant California and 11 other states permission to ban the sale of new gasoline-powered cars by 2035, one of the most ambitious climate policies in the United States and beyond, according to three people briefed on the matter, who spoke on the condition of anonymity because they were not authorized to discuss it publicly.President-elect Donald J. Trump is expected to revoke permission soon after taking office, part of his pledge to scrap Biden-era climate policies. “California has imposed the most ridiculous car regulations anywhere in the world, with mandates to move to all electric cars,” Mr. Trump has said. “I will terminate that.”The state is expected to fight any revocation, setting up a consequential legal battle with the new administration.“California has long led the nation in pioneering climate policies and innovation,” said Gov. Gavin Newsom, a Democrat, earlier this year. “Those efforts will continue for years to come.”He has described the ban as the beginning of the end for the internal combustion engine.Under the 1970 Clean Air Act, the Environmental Protection Agency has for decades allowed California, which has historically had the most polluted air in the nation, to enact tougher clean air standards than those set by the federal government. Federal law also allows other states under certain circumstances to adopt California’s standards as their own.The waiver can be used to rein in toxic, smog-causing pollutants like soot, nitrogen dioxide and ozone that lead to asthma and lung disease. But California officials have also been using the waiver to curb greenhouse gases like carbon dioxide, a chief cause of global warming. Gas-powered cars and other forms of transportation are the biggest source of carbon dioxide generated by the United States.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Democrats Argue That the 2024 Election Actually Had Its Bright Spots

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      Some leaders have begun to put a sunnier spin on the November outcome by pointing to down-ballot victories — a possible sign that Democrats may not tear down their party after all.For most Democrats, losing to Donald J. Trump was a devastating gut punch that sent them hurtling into the political abyss.But to hear some party leaders and their allies talk, Democrats had plenty of November victories to be proud of.Jaime Harrison, the chairman of the Democratic National Committee, wrote a 2,600-word memo to party members last week that pointed to down-ballot triumphs and declared, “Democrats beat back global headwinds that could’ve turned this squeaker into a landslide.”Representative Hakeem Jeffries of New York, the House Democratic leader, wrote in a statement recently that his caucus had “defied political gravity,” a reference to the newly released “Wicked” movie that was soon echoed by Senator Amy Klobuchar, the Minnesota Democrat.And further down the ballot, the Democratic Legislative Campaign Committee wrote in its year-end report that the party’s successes in statehouse races represented “one of the most shocking election results in modern history” — even though Democrats lost majorities in chambers in Michigan and Minnesota.These sunny-side-up views of the election serve as something of an antidote to the notion that Democrats, humbled by their 2024 mistakes, are about to begin rebuilding their party from the ground up.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More