US news

Subterms

    More stories

    • 138 Shares199 Views

      in US Politics

      Trump continues clearout of top US labor officials with fresh firing

      by

      Donald Trump has fired a top official at the independent agency responsible for labor relations with the federal government.Susan Tsui Grundmann, one of three board members at the Federal Labor Relations Authority (FLRA), has been dismissed, a White House official told the Guardian. She served as the agency’s chair.Trump is “committed to building a team fully committed to advancing his America-First agenda”, the White House official said.Her profile page on the agency’s website has already been removed, and an organizational chart of its leadership states that the chair role is now vacant.Tsui Grudmann’s firing was first revealed by a Washington Post reporter on social media.The FLRA is responsible for overseeing management and labor relations for some 2.1 million federal employees. Tsui Grundmann was nominated to its board by Joe Biden in 2021, and approved by the Senate in 2022, before her designation as chair in 2023. Her term was set to end on 1 JulyTrump has already been sued after firing a board member of the National Labor Relations Board, Gwynne Wilcox, last week.Wilcox has argued that the president only has authority to remove board members for negligence or misconduct, which were not alleged by the Trump administration during her termination.In 1935 the US supreme court ruled in Humphrey’s Executor v United States that the US constitution did not grant “illimitable power of removal” to the president.The FLRA has identical stipulations, with a statute that states a president can remove a member “only upon notice and hearing and only for inefficiency, neglect of duty, or malfeasance in office”.The FLRA was contacted for comment.As chair, Tsui Grundmann argued against stagnant funding and understaffing at the agency amid increases in unfair labor practice charge filings, saying the agency would have to engage in furloughs if funding remained flat.Last year, Biden nominated Colleen Duffy Kiko and Anne Wagner to serve on the three-member board. Duffy Kiko had previously served as a Republican appointee to the board under Trump. Wagner is a former counsel for the American Federation of Government Employees.Send us a tipIf you have information you’d like to share securely with the Guardian about the impact of cuts to federal programs or the federal workforce, please use a non-work device to contact us via the Signal messaging app at (646) 886-8761. More

    • 188 Shares159 Views

      in US Politics

      Danes offer to buy California to spite Trump’s Greenland aims: ‘We’ll bring hygge to Hollywood’

      by

      Since returning to the presidency last month, Donald Trump has called for Canada to become the 51st US state, suggested he might take over the Panama Canal, floated US ownership of Gaza – and tried to buy Greenland.Now, Denmark – which owns Greenland – is clapping back.More than 200,000 Danes have signed a satirical petition to buy California from the US.“Have you ever looked at a map and thought, ‘You know what Denmark needs? More sunshine, palm trees, and roller skates.’ Well, we have a once-in-a-lifetime opportunity to make that dream a reality,” the petition reads. “Let’s buy California from Donald Trump!”Across the top of the petition’s website, a slogan calls to “Måke Califørnia Great Ægain” and imaginary supporters like Lars Ulrich of Metallica and Viggo Mortensen of Lord of the Rings fame offer their reasons for making California “New Denmark”.“We’ll bring hygge to Hollywood, bike lanes to Beverly Hills and organic smørrebrød to every street corner. Rule of law, universal healthcare and fact-based politics might apply,” the petition continues.“Let’s be honest – Trump isn’t exactly California’s biggest fan. He’s called it ‘the most ruined state in the union’ and has feuded with its leaders for years. We’re pretty sure he’d be willing to part with it for the right price.”Trump and California’s Democratic governor, Gavin Newsom, have been locked in tense relations since the president retook office – with Newsom recently directing $50m to fight the Trump administration and its deportation efforts and Trump threatening to condition federal disaster aid to the state in wake of the Los Angeles wildfires.The petition aims to crowdfund $1tn (“give or take a few billion”) and receive 500,000 signatures.Trump began floating the idea of purchasing Greenland in 2019, saying the US needs to control the autonomous territory “for economic security”. The Arctic island is believed to be rich in oil and gas, and other raw materials essential to green technology – that are becoming available as massive ice sheets and glaciers melt as a result of the climate crisis. The same melting ice is also opening up new shipping routes.skip past newsletter promotionafter newsletter promotionSpeaking on Danish television in January, Mette Frederiksen, the prime minister, said Greenland was “not for sale”, adding: “Seen through the eyes of the Danish government, Greenland belongs to the Greenlanders.”Similarly, following a visit from Donald Trump Jr earlier this year, Greenland’s prime minister, Múte Egede, said: “We are Greenlanders. We don’t want to be Americans. We don’t want to be Danish either. Greenland’s future will be decided by Greenland.”Although the Danish petition to purchase California may be a joke, the US’s bid to purchase Greenland appears quite serious. Buddy Carter, a Republican representative of Georgia, announced that he had introduced a bill to authorize the purchase of Greenland and rename it “Red, White and Blueland”. More

    • 125 Shares199 Views

      in US Politics

      Judge blocks Trump from cutting billions in medical research funding

      by

      A federal judge in Massachusetts blocked Donald Trump’s administration from cutting scientific research grants from the National Institutes of Health (NIH) after 22 mostly Democratic-leaning states sued.The Trump administration sought to impose a 15% cap on “indirect costs” for grants – money that goes toward overhead, such as keeping the lights on in labs or maintaining advanced equipment. On Tuesday, major universities filed a second lawsuit, calling the administration’s actions “flagrantly unlawful” in a complaint.“A cut to [indirect costs] for NIH grants is a cut to the medical research that helps countless American families whose loved ones face incurable diseases or untreatable debilitating conditions,” a group of university associations said in a statement.Indirect costs, “are the real and necessary costs of conducting the groundbreaking research that has led to so many medical breakthroughs over the past decades”, they said.Speedy court action to block the proposed cuts comes at a time when the Trump administration is teasing the idea of ignoring courts, prompting fears of a constitutional crisis.“To hand his billionaire backers another tax cut, Trump tried to slash funding for critical disease prevention research, including for pediatric cancer,” Ken Martin, Democratic National Committee chair, said in a statement.“We aren’t going to sit back as Trump goes after America’s kids.”The NIH is an arm of the Department of Health and Human Services. With a budget of $48bn, it is the world’s largest public funder of biomedical and behavioral research, with impacts that ripple across the scientific world.NIH grants fund a vast array of science, especially including early stage research that leads to blockbuster drugs. The agency’s grants have contributed to many of the drugs Americans are now familiar with, including statins such as Lipitor and curative hepatitis C drugs such as Harvoni.NIH-funded basic or applied research has also contributed to 386 of the 387 drugs the Food and Drug Administration approved between 2000 and 2019, and more than 100 Nobel prizes have been awarded to scientists based on NIH-funded work.In one of the first social media posts since Trump’s inauguration, the NIH said that the 15% cap on indirect costs would save $4bn per year, and singled out Harvard, Yale and Johns Hopkins as spending too much on overhead.skip past newsletter promotionafter newsletter promotionAlthough the NIH’s budget is less than 1% of all federal spending, the scientific agency has become a target of the Trump administration, and cutting the NIH serves multiple aims.The move comes ahead of an expected debate to extend Trump’s 2017 tax cuts. The cuts helped billionaires pay less in taxes than the working class for the first time. An extension is expected to add to a huge budget deficit.Many of Trump’s supporters also criticized the NIH following the Covid-19 pandemic, and laid out plans to dramatically reorganize it in Project 2025. Additionally, cutting NIH grants hits American universities, including many elite research institutions, in their pocketbooks. The administration has repeatedly attacked such universities as bastions of liberalism.This is not the first time Trump proposed cutting scientific research. In 2017, his budget attempted to slash scientific research funding.Within scientific circles, many agree the NIH could benefit from reform. However, many also argue the process needs to be transparent and involve stakeholders. More

    • 150 Shares99 Views

      in US Politics

      Judge orders CDC and FDA to restore webpages removed after Trump order

      by

      A federal judge has ordered that the Department of Health and Human Services, the Centers for Disease Control and Prevention (CDC) and the Food and Drug Administration (FDA) restore several of the webpages that they took down following Donald Trump’s executive order attacking diversity, equity and inclusion (DEI).On Tuesday, the US district judge John Bates gave the health agencies until midnight to reinstate public medical information that had been scrubbed from the websites.The orders came after the group Doctors of America said the removal of webpages at the CDC was detrimental to patient care because doctors rely on such pages for information about treating different conditions. Bates ordered the webpages to be restored to their previous condition as of 30 January.The judge wrote: “It bears emphasizing who ultimately bears the harm of defendants’ actions: everyday Americans, and most acutely, underprivileged Americans, seeking healthcare.”Citing declarations from two doctors filed in the case, Bates said if “those doctors cannot provide these individuals the care they need (and deserve) within the scheduled and often limited time frame, there is a chance that some individuals will not receive treatment, including for severe, life-threatening conditions”.“The public thus has a strong interest in avoiding these serious injuries to the public health,” he added.Donald Trump signed several controversial executive orders on his first day in office, including orders that stated that the US recognizes only two sexes, male and female. He directed all federal agencies to remove “all statements, policies, regulations, forms, communications, or other internal and external messages that promote or otherwise inculcate gender ideology”.Following the orders, the CDC and FDA took down numerous webpages, including research, datasets and recommendations on how physicians should treat sexually transmitted infections, as well as immunization guidance for adults.Trump’s moves resulted in some webpages having their wording altered to fit the new admiration’s orders, but certain datasets, such as from the CDC’s youth risk behavior surveillance system (YRBSS), were removed entirely, according to reporting from CBS News.The CDC website currently shows a banner that says the website “is being modified to comply with President Trump’s executive orders”.Zachary Shelley, a lawyer for the advocacy group Public Citizen, which represented the group of 27,000 doctors and medical trainees, told USA Today that “there is immense harm to the public” and “there is increased risk of disease outbreak” if the webpages are not restored. More

    • 138 Shares189 Views

      in US Politics

      US schoolteacher held in Russia since 2021 released, White House says

      by

      A US teacher who has been held in Russia since 2021 was released on Tuesday following an unannounced visit to Moscow by Trump’s special envoy to the Middle East, Steve Witkoff.The White House said in a statement that Marc Fogel, a Pennsylvania schoolteacher sentenced in Russia to 14 years on drug-trafficking charges, had left the country aboard Witkoff’s plane.“Today, President Donald J. Trump and his Special Envoy Steve Witkoff are able to announce that Mr. Witkoff is leaving Russian airspace with Marc Fogel, an American who was detained by Russia,” Mike Waltz, Trump’s national security adviser, said in a statement.Fogel had worked as a teacher at the Anglo-American School of Moscow since 2012 and taught overseas in countries like Oman and Malaysia. He was arrested in 2021 at a Moscow airport after Russian officials found less than an ounce of marijuana in his luggage.In his statement, Waltz said that the US and Russia “negotiated an exchange that serves as a show of good faith from the Russians and a sign we are moving in the right direction to end the brutal and terrible war in Ukraine”.He did not say what the US side of the bargain entailed. Previous negotiations have occasionally involved reciprocal releases of detainees and prisoners.Trump later said he hoped the release could mark the start of fresh ties with Moscow.“We were treated very nicely by Russia,” Trump told reporters. “Actually, I hope that’s the beginning of a relationship where we can end that war.”The deal was negotiated in secret, but rumors began circulating about Witkoff’s presence in Russia when his private jet was spotted landing in Moscow.The Kremlin spokesperson Dmitry Peskov told reporters earlier in the day that he had “no information” about the reported arrival of Witkoff’s plane.View image in fullscreenThe surprise release of Fogel highlights the ongoing backchannel negotiations between the US and Russia and signals Putin’s intent to cultivate ties with the Trump administration ahead of expected peace talks over the war in Ukraine.Putin has showered Trump with compliments since his inauguration, repeatedly praising him as “brave” for surviving an assassination attempt while also signaling his readiness to meet with the US leader.Trump has said that he has spoken with Putin but has been vague on the details other than to say he was making “progress” to secure a negotiated end to the war in Ukraine which began with Russia’s full-scale invasion in 2022.In an interview with Fox News broadcast on Monday, Trump suggested that Ukraine “may be Russian some day”, as his vice-president JD Vance gears up to meet the Ukrainian president Volodymyr Zelenskyy later this week at the Munich security council.Russia’s latest engagement with the US will set off alarm bells in Kyiv, where Zelenskyy must navigate the new reality of a US administration that has opened dialogue with Moscow while at times displaying open hostility toward Ukraine.Fogel and his family had hoped he would be included in the historic prisoner exchange in August that freed the Wall Street journalist Evan Gershkovich and the US marine Paul Whelan. At the time, Fogel was not yet designated as “wrongfully detained” by the US government, a label he only received late last year.In a statement, Fogel’s family said they were “beyond grateful, relieved and overwhelmed” that he was coming home. “This has been the darkest and most painful period of our lives, but today, we begin to heal,” they said. “For the first time in years, our family can look forward to the future with hope.”Fogel is expected to arrive in the US later on Tuesday. More

    • 200 Shares179 Views

      in US Politics

      ‘An underground thing’: what happens to a pet when its owners are targeted by immigration raids?

      by

      On 1 February, Kyle Aaron Reese saw a Facebook post from an old school friend urgently looking for someone to adopt a dog named Benny. Benny’s owners had just been deported after an immigration raid in New York City; faced with high costs and uncertainty, they hadn’t been able to take Benny with them. Reese did not have to stare long at the photo of the jowly bulldog’s silly smile before jumping in his car to go pick him up.“Everything about what I learned about that dog made me want him more,” said Reese, who is 39 and lives in Brooklyn.Donald Trump’s mass deportation campaign started just days after his inauguration. Officers from federal law enforcement agencies have carried out raids in New York, Chicago, Los Angeles, Phoenix, Philadelphia, San Diego, Denver, Miami, Atlanta and other large cities, stoking fears in communities across the country. More than 8,000 immigrants have been arrested, NBC reported.Undocumented people are staying home from work and school, drawing up plans in case they are separated from their children, and tracking confirmed Immigration and Customs Enforcement (Ice) raids on social media. Some are also worrying about what will happen to family pets.View image in fullscreenEnlace Latino, a public service journalism outlet for Latino immigrant communities based in North Carolina, published a piece shortly after Trump took office titled: “How can I plan for my pets’ future if I am detained or deported?” Steps include finding a trusted caregiver who agrees to watch after the pet, setting aside money for the pet’s care, and writing detailed notes about the pet’s breed, diet, medications, vaccinations and veterinarian.Benny’s owners, who declined to comment, left Benny with a close family friend, who used Facebook to permanently place him with Reese.“It’s almost like an underground thing,” Reese said of local efforts to re-home pets after Ice raids. “There’s no network in place, because we didn’t realize this was an issue. But people are really stepping up.”No one knows how many pets have been separated from their families due to Ice raids. A representative for the American Society for the Prevention of Cruelty to Animals wrote in an email that “it’s too soon to identify any specific trends” in animal shelter admissions due to immigration raids.Flatbush Cats, a Brooklyn non-profit that traps, neuters and releases stray cats to reduce the population of street cats, also runs an adoption program; Reese is a volunteer there.“We’re hearing heartbreaking word-of-mouth stories from one neighbor to the next,” said Will Zweigart, the group’s founder. “This morning, one of our volunteers was crying her heart out on the way to the clinic with a cat that belongs to some neighbors she knows are being displaced by a landlord who was creating unfavorable living conditions for them because he knows they’re undocumented and not in a position to fight back.” They made the painful decision to re-home the cat while they look for safe housing.When established immigrant advocate organizations and local-level rapid response groups are focused on preventing detentions, deportations and family separation, concerns about adopting out animals might not seem like a priority. Still, leaving a pet behind can be devastating, and knowing it will be properly looked after may provide some comfort to immigrant owners. “Pets are family,” Zweigard said.View image in fullscreenNaomi Pardasie, 28, is a naturalized US citizen, but her husband is not. In January, five Ice agents came to their apartment door. The couple did not let them in, and the agents waited outside for 45 minutes. Rattled by the encounter, Pardasie’s husband stayed home from his construction job for two weeks.The couple decided to voluntarily head back to Trinidad, where they’re from, in April. They’re bringing their cats – Oatmeal, Olive, Onyx and Zoboomafoo – with them.“They’ve been with us since they were born,” Pardasie, who works as a housekeeper and bartender, said. “I’ve known their moms, their dads, their moms’ moms and dads’ dads. I watched them come into this world, and it would be hard to just leave them here.” She is currently raising money to pay for their airfare and required vet visits.“Animals come into our lives for a reason,” Pardasie said. “It’s scary to know that people who don’t have the money to get their animals into another country have to leave them behind.”The US’s animal shelters are full. Last October, Animal Care Centers of New York, the city’s largest shelter, announced that it would no longer accept dog surrenders due to overcrowding.“Animal shelters should be a lifeline for communities in times of crisis, but with chronic overcrowding, they’re often unavailable when they’re needed most,” Zweigart said. “The same thing happened in Los Angeles with the fires – the animals had to be transported somewhere else because local shelters were full. This highlights where we’re headed: as more and more people are displaced for different reasons, we’re not able to take care of animals.”Reese, who adopted Benny the bulldog, says that when institutions fail, communities can step in. “When people are deported, what happens to their animals is such a small part of the bigger issue,” he said. “But if we can take care of the animals, that’s something we can do when we feel like we have little control over everything else.” More

    • 250 Shares159 Views

      in US Politics

      Did RFK Jr really drink fish medicine? He definitely has weird ideas about ‘making America healthy again’ | Arwa Mahdawi

      by

      Robert F Kennedy Jr is many things, but he is not a tropical fish. Someone should probably tell him this because he appears to be guzzling fish medicine. Last week, a video of RFK sitting on a plane and putting a strange blue liquid into his glass of water went viral. It’s not clear what he was taking, but online sleuths are convinced it was methylene blue, which is used to treat parasites in fish as well as aquatic ailments such as swim bladder disease.To be fair, methylene blue does have human uses – in the US, it is FDA-approved to treat a rare blood disorder. Over the last few years, however, it has been touted as a miracle drug in wellness circles and people have been using it off-label in the hopes of staving off everything from jet lag to ageing. “Looks like RFK Jr is in on one of the best-kept secrets in biohacking – methylene blue,” wrote one prominent wellness influencer after the viral video. “When used correctly, it’s a gamechanger for mental clarity and longevity.”That’s a stretch. While some studies show methylene blue may help with those things, self-medicating is a bad idea. Too much of the stuff can turn your urine blue, for one thing. More importantly, it can interact with certain medications, which can have serious consequences.We don’t know for sure that it was methylene blue. But we do know that Kennedy, who is a prominent anti-vaxxer, has a lot of strange – and arguably very dangerous – ideas about medicine. These may stem from some of his own health problems, including one issue he memorably said “was caused by a worm that got into my brain and ate a portion of it and then died”. According to the New York Times, the worm may have actually been a “pork tapeworm larva”. Tapeworms aside, Kennedy’s wellness opinions would be entirely his business were it not for the fact that he is closing in on the role of secretary of health and human services and is poised to inflict his ideas on the rest of us, all in the name of a movement he has termed “Make America Healthy Again” (Maha). Like every Maga movement, this one is being aggressively monetised: Kennedy has applied to trademark Maha for use in marketing potential products including food supplements, vitamins and (oddly) vaccines.Some people are aghast at his ideas; others are ecstatic about the prospect of him upending the US’s approach to food and healthcare. There has been a lot of coverage about the “crunchy moms” who are quite justifiably horrified about all the rubbish that is in processed foods and are thrilled by the Maha agenda.It’s interesting, however, to see just how much of the discourse around Maha seems to focus on woo-woo-women and their silly little wellness ideas, because – as Kennedy demonstrates – it’s men who are increasingly dominating the alternative health (if you’re being diplomatic) or pseudoscientific quackery (if you’re not) space. That’s partly because Silicon Valley has rebranded being obsessed with your health as “biohacking”. Men who are into biohacking and longevity don’t casually take vitamin pills like the rest of us. No, no, they build supplementation protocols and personalised “supplement stacks”. Supplementing appears to have become an extreme sport among a certain type of wellness bro: the more pills you swallow, the more macho you are. Bahram Akradi, the 63-year-old CEO of a gym chain, for example, recently said he’s been taking “about 45 to 50” pills every morning for years. Meanwhile, Bryan Johnson, the 47-year-old tech entrepreneur who is spending millions of dollars trying to de-age himself, takes more than 100 pills a day. According to one interview, he wakes up at 4.30am and takes 57 pills, does some ab stimulation, then takes 34 more.Spending a fortune on experimental pills, and not even the fun kind, is about as stupid as it sounds. I don’t know what Akradi has been taking, but for about five years Johnson was downing a pill called rapamycin that had been found to extend the lifespan of mice. But Johnson is not a mouse and he recently quit taking it because another study found it might increase ageing in humans. I think Alanis Morissette would call this ironic, don’t you think?Anyway, the upshot of all this is that the takeover of the US government by weirdos with dangerous ideas continues apace. Meanwhile, remember that you are not a mouse or a fish, and design your “supplementation protocol” accordingly. More

    • 138 Shares109 Views

      in US Politics

      ‘It’s a constant weight’: Americans struggle with record credit card debt

      by

      US credit card debt reached a record $1.17tn in the third quarter of 2024, growing from $770bn in the first quarter of 2021 and the share of active credit card holders making just minimum payments rose to 10.75%, the highest percentage ever in data going back to 2012.The Guardian spoke with individuals around the US about their experiences and issues with credit card and other personal debt. They requested to remain anonymous for privacy concerns about personal finances.Angela, a 42-year-old teacher in Virginia, explained she and her husband had struggled with paying off about $20,000 in credit card debt accrued mostly from paying medical bills not covered by her health insurance from infertility issues.“The medicines, procedures, and travel all hit us hard,” she said. “It just piles up and it piles up and you have to miss a payment because something else in life happens, and or you don’t make the payment you want to make, and it just starts to kind of snowball on you.”The debt has made it difficult to save anything and is always looming on her.“It’s a constant weight in the back of my mind which clouds all my little joys,” said Angela. “With inflation, cost of living rising, and life, I have struggled to pay down the debt. We do less, stress about what we can spend on or can afford.”A 54-year-old woman in Ohio said she lost her job in 2024 and was not approved for unemployment benefits because she was classified as a subcontractor, adding to debt she already had from medical bills and home repairs.“I’m now unable to pay them, and I can’t find a job due to a tight market and most likely age discrimination,” she said. “My debt has escalated to the equivalent of half my typical annual income. This and the inability to find a job have left me with no choice but to remain in a very unhappy, toxic, romantic relationship.”A 35-year-old software engineer in Los Angeles, California, said she accrued significant personal debt putting herself through engineering school at the age of 29, but despite making a salary of over $100,000 a year, she still struggles with paying it off and keeping up with bills.“I’m now facing huge interest rates and can barely pay down principal balances,” they said. “Student loans only covered my rent. If additional student loans existed for people in situations like mine, I wouldn’t have needed to charge so much to my credit cards.”This week the senators Bernie Sanders and Josh Hawley introduced a bill to cap credit card interest rates to 10% for the next five years, which Trump has claimed he would support. The average credit card interest rate is 28.6%, despite banks being able to borrow from the Federal Reserve at less than 4.5%.About 82% of all US adults have at least one credit card, with the average about four credit cards per US consumer, according to Experian, and the average household has over $21,000 in credit card debt.A 69-year-old retiree in Moody, Alabama, said she lived check to check on social security and had had no choice but to rely on credit card debt for food, bills and other living expenses.“I am constantly stressed about money,” she said, adding it had created anxiety, depression and sleeping issues.A 47-year-old teacher in Mesa, Arizona, said he had fallen into debt trying to provide for a family of four, and covering the funeral costs for his mother, even as he said he had been “working my car to the bone for gig work to pick up the slack”.A 72-year-old in California said she only made a little over $1,200 a month from social security, but more than half of it went toward a debt consolidation payment.“Money is always an issue with me, I’m currently keeping my debt at bay with loans out of what little I have for retirement, but still losing about half my monthly income to debt repayment that I wish I could be saving for a home.”A 53-year-old in Connecticut explained he had fallen into significant credit card debt after losing his small business due to the pandemic shutdowns, from barely ever using credit cards to maxing out several, even after finding a job, which was difficult at his age.“The pay was a fraction of what my business was pulling in and at this point, I maxed out the credit cards as I didn’t have a lot of credit on them to begin with. I have since taken out two personal loans and got a third credit card. All of them are maxed out,” they said. “I’ve gained 60lb, my hair has been falling out, and I can’t sleep more than four hours a night.”Money owed on revolving debt grew 52.5% to $645bn, from a decade low of $423bn in second quarter 2021, according to a report by the Philadelphia Federal Reserve.Twenty-three per cent of Americans with less than $25,000 annual income have no bank account. Forty-six per cent of Americans with annual incomes between $50,000 and $99,999 carried a credit card balance, while low-income Americans were more likely to predominantly use buy now, pay later, payday or pawn shop loans, with average annual interest rates of payday loans at 400%, with many much higher.According to data from the US Federal Reserve, 6% of Americans used a payday loan in 2023, up 1% from 2022, with users more likely to be low-income, Black and Hispanic adults, and adults with a disability.David, a 57-year-old gig worker and educator in Philadelphia, Pennsylvania, said he first took out a payday loan about six years ago when he lived in Oklahoma and had just started a new job and needed a loan to bridge the gap between paychecks.He said he was offered more money for the loan than he asked for, and as he made payments, the lender frequently offered to extend him more credit.“They report every late payment, every non-payment to the collection agencies, and I got into a merry-go-round, in over my head, and it wrecked my credit score,” said David. “There’s no negotiating, settling, or anything like that with payday lenders.”He said the collection tactics included calling his place of employment, calling the references on his initial loan application, to demand payment from him, which continued to grow with high interest rates and added fees. The length of time and impact it had on him had given him major depression and suicidal thoughts, he said.“They’re so predatory on very vulnerable people,” he added. “I can’t even get my own apartment without a co-signer. It’s just humiliating.” More