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The Dictatorship

Biden’s last-minute medical debt change is an excellent last hurrah

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Biden’s last-minute medical debt change is an excellent last hurrah

Last week, the Consumer Financial Protection Bureau rolled out an exciting announcement: It will be banning medical debt from Americans’ credit reports. The new rule is a win for consumers, and a small but significant step forward for fixing the backward way we think about health care in this country.

In 2022, the CFPB published a report highlighting the huge burden of medical debt on Americans, after which credit reporting companies voluntarily removed medical debt under $500 from their credit reports. Now this new rule, which the Biden administration proposed last summerwill remove all outstanding bills higher than that amount from credit reports. That will come out to around $50 billion in medical bills wiped from the credit reports of some 15 million Americans, according to the CFPB.

Removing medical debt from credit reports is not only a just policy, it also better understands people’s financial behavior.

The point of credit reports is to summarize a person’s “creditworthiness,” assigning them a score based on qualities such as the status and history of their credit accounts and loan repayments. Those credit scores help determine people’s eligibility for credit cards and mortgages, and the interest rates they’re offered. Since nearly 1 in 5 American households are burdened with medical debt, the CFPB estimates the move will “lead to the approval of approximately 22,000 additional, affordable mortgages every year,” and could raise credit scores by an average of 20 points.

On a conceptual level, this new rule underscores how medical debt is different from most other kinds of debt that make up credit reports. It’s not a reflection of how someone wants to spend their money, but of decisions between seeking care or potentially enduring a painful or life-threatening hardship. Medical debt is an outgrowth of our broken health insurance systemwhich leaves tens of millions without coverage and still costs way too much money even for people with ostensibly “good” coverage. In addition, a lot of medical collections are the result of surprise medical bills that emerge even after people think they’ve done everything in their power to avoid incurring medical debt.

It should come as no surprise, then, that the CFPB’s research shows that medical debt is a “poor predictor” of whether someone will pay back a loan. In other words, removing medical debt from credit reports is not only a just policy, it also better understands people’s financial behavior.

That medical debt can hurt your creditworthiness is an insult atop a more serious injustice: the very idea of forcing people to choose between physical health and serious debt is cruel. Worse, it’s entirely unnecessary — the U.S. could adopt one of the government-backed health insurance systems of one of its peer nations and virtually eliminate the problem of medical debt.

A Medicare-for-all system would eliminate the dystopian way in which Americans’ health problems become games of financial Russian roulette. In the short term, Americans just have to hope the new Trump administration won’t reverse this small but important reform. In the long term, though, the CFPB’s new rule should be just the first step toward ending the scourge of crushing medical debt.

Zeeshan Aleem

Zeeshan Aleem is a writer and editor for BLN Daily. Previously, he worked at Vox, HuffPost and Blue Light News, and he has also been published in, among other places, The New York Times, The Atlantic, The Nation, and The Intercept. You can sign up for his free politics newsletter here.

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The Dictatorship

Why Judge Boasberg’s ruling on DOJ’s Jerome Powell investigation is bigger than one case

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The most important part of Chief Judge James Boasberg’s ruling quashing Justice Department subpoenas served on the Federal Reserve was not simply that he blocked them.

It was that he refused to suspend common sense. He read the subpoenas against the public record that produced them. He took President Donald Trump at his word. That is what made the opinion so important.

Judge Boasberg did not begin with dry procedural throat-clearing. He began with Trump’s own attacks on Federal Reserve Chair Jerome Powell and the broader campaign of presidential and White House pressure on the Federal Reserve to cut interest rates.

For too long, courts have often maintained an artificial separation between presidential rhetoric and executive action.

He quoted Trump calling Powell “TOO ANGRY, TOO STUPID, & TOO POLITICAL, to have the job of Fed Chair.” He cited another post calling Powell “one of the dumbest, and most destructive, people in Government.” He noted Trump’s statement that “Powell’s termination cannot come fast enough!” and his threat that if the Fed did not cut rates, “I may have to force something.”

That was not decoration; it was the architecture of the opinion. From page one, Judge Boasberg made clear that motive was not some side issue here. Motive was the case. The subpoenas arose from a Justice Department investigation into supposed cost overruns in the Federal Reserve’s multiyear headquarters renovation project and into Powell’s congressional testimony touching on those renovations. On paper, that was the inquiry. In reality, Judge Boasberg concluded, something else was going on.

Judge Boasberg wrote that there was “abundant evidence” that the dominant, if not sole, purpose of the subpoenas was to harass and pressure Powell either to yield to the president or resign and make way for someone who would. On the other side of the scale, he said the government had offered “no evidence whatsoever” that Powell committed any crime other than displeasing the president. By the end of the opinion, that judgment hardened even further: The government had produced “essentially zero evidence” of criminality, and its stated justifications looked like “a convenient pretext” for another unstated purpose.

That is an extraordinary thing for a federal judge to say about the Department of Justice.

This was not a close call. It was not a case in which prosecutors pushed the envelope and got reined back in. It was a finding that criminal process had been used as pressure rather than law enforcement.

And the way Judge Boasberg got there was the real story. He did not invent improper purpose. Rather, he looked at what was already in plain view. Trump spent months attacking Powell, demanding lower rates and making his desired outcome unmistakable. He said, “Anybody that disagrees with me will never be the Fed Chairman!” He said, “I want to get him out.” He said he would “love to fire his ass.” He said Powell “should resign.”

A political appointee then floated the Fed renovation issue as a path toward investigation and possible removal. After that, the U.S. Attorney’s Office opened a criminal investigation on that very theory and served subpoenas on the Federal Reserve.

Judge Boasberg looked at that sequence and refused to act naive.

He was right to.

For too long, courts have often maintained an artificial separation between presidential rhetoric and executive action. The president says what he says. Prosecutors do what they do. Judges examine the narrower legal record and resist attributing too much significance to the political atmosphere outside the courthouse. But there comes a point where that posture stops looking disciplined and starts looking unserious.

From page one, Judge Boasberg made clear that motive was not some side issue here. Motive was the case.

When a president has repeatedly identified the official he wants pressured or removed, made his desired outcome unmistakable and then his Justice Department shows up with a paper-thin theory aimed at that same target, a court does not have to pretend those events are unrelated. Judge Boasberg’s opinion suggested that at least some courts may be losing patience with that formalism.

What made the opinion important was not just that Judge Boasberg drew that inference here. It was that he did so openly, in a way that may signal a broader judicial willingness to read executive motive more realistically in politically saturated cases.

That is not judicial activism. It is common sense.

And Trump’s response since the ruling only reinforced the point. In a post after the decision, Trump attacked Judge Boasberg personally, called him a “Wacky, Nasty, Crooked, and totally Out of Control Judge,” said he has been “‘after’ my people, and me, for years,” claimed the ruling had “little to do with the Law, and everything to do with Politics,” and said Judge Boasberg should be removed from cases involving Trump and his administration.

That mattered because it underscored the precise interpretive move Judge Boasberg made in the opinion. The judge treated Trump’s public words not as background noise, but as evidence reasonably bearing on motive and pretext. Trump’s reaction did not undercut that reasoning. It strengthened it.

It also said something larger and more troubling about the DOJ.

The government was given the chance to substantiate its claims and chose not to. Judge Boasberg was left, as he put it, with “no credible reason” to think prosecutors were investigating suspicious facts as opposed to targeting a disfavored official.

That is not just a loss.  It is a collapse of confidence.

And it matters all the more because of what a subpoena is. A subpoena is the point where political pressure becomes legal compulsion. It is the government bringing the authority of criminal process into the room.

That is why misuse of subpoena power is so dangerous. It can impose burden, stigma, cost and fear long before any indictment, and it can intimidate even when no charges are ever filed. Judge Boasberg understood that. He did not treat these subpoenas as some technical skirmish over records. He treated them as part of an effort to pressure the chair of an independent central bank and, in his words, to “bulldoz[e] the Fed’s statutory independence.”

That is why this ruling matters beyond Powell and beyond the Federal Reserve.

Judge Boasberg did not just quash subpoenas.

He modeled a more realistic way for courts to evaluate politically freighted exercises of state power.

And if more judges start doing the same, this opinion will be remembered as more than a rebuke in one ugly case. It will be remembered as an early sign that courts were no longer willing to separate presidential coercion from the legal machinery deployed to carry it out.

Duncan Levin is a criminal defense attorney and former federal prosecutor who serves as a Lecturer on Law at Harvard Law School and is a frequent contributor to MS NOW.

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The Dictatorship

Judge writes Kari Lake ‘repeatedly thumbed her nose’ at legal requirements

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Judge writes Kari Lake ‘repeatedly thumbed her nose’ at legal requirements

Kari Lake“repeatedly thumbed her nose” at legal requirements as the Trump administration dismantled Voice of America.

A federal judge made that observation on Tuesday about the Donald Trump ally, when he ordered the setting aside of unlawful government actions at the agency, including the placement of more than 1,000 employees on administrative leave.

U.S. District Judge Royce Lamberth’s ruling restoring some of the administration’s destruction follows his previous ruling explaining why Lake wasn’t lawfully overseeing the international broadcaster, which started as an effort to counter Nazi propaganda during World War II.

In his latest rulingthe Reagan-appointed judge wrote that Lake had said that she “has no opinion about which countries censor and repress their people — or even the basic question of which regions of the world qualify as significant, as would be required just tofeigncompliance” with the law.

Lamberth noted that Trump had issued an executive orderlast year to reduce the “bureaucracy.” The order directed several agencies, including the one overseeing Voice of America, to reduce their functions to the minimum required by law.

But, as the judge explained, the government proceeded to immediately wind the agency down to “skeletal operations,” including placing nearly all staff on paid administrative leave, before determining what its minimum legal obligations were.

The judge called out the government’s “arbitrary and capricious” actions and its “hasty, indiscriminate approach.”

Notably, in light of the war in Iranamong the failures listed by Lamberth is that Voice of America was unable to operate its service in that country at current staffing levels, despite it being legally required to do so.

The judge ordered thatall employees placed on leave pursuant to a government directive last year return to work by March 23.

Subscribe to the Deadline: Legal Newsletter for expert analysis on the top legal stories of the week, including updates from the Supreme Court and developments in the Trump administration’s legal cases.

Jordan Rubin is the Deadline: Legal Blog writer. He was a prosecutor for the New York County District Attorney’s Office in Manhattan and is the author of “Bizarro,” a book about the secret war on synthetic drugs. Before he joined MS NOW, he was a legal reporter for Bloomberg Law.

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The Dictatorship

In touting SAVE Act, Johnson refuses to cite any fraud it would have prevented

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In touting SAVE Act, Johnson refuses to cite any fraud it would have prevented

House Speaker Mike Johnson’s, R-La., refusal, or perhaps inability, to name a single example of voter fraud that would have been prevented by Republicans’ SAVE Act, which has the potential to disenfranchise millions of eligible votersprovided a revealing kickoff to the Senate’s debate on the legislation.

At a Tuesday press conference pegged to the Senate beginning debate on the bill, Johnson was asked to provide an example of previously committed voter fraud that the SAVE Act would have stopped. Johnson dismissed the question saying, “We’re not gonna litigate that,” before going on with his talking points.

Considering any act of actual voter fraud warrants being litigated, both in actual court and in the court of public opinion, it was an interesting choice of words.

Q: Can you give one example of fraud in a previous election that the SAVE America Act would stop?

MIKE JOHNSON: Look, we’re not gonna litigate all that pic.twitter.com/rLuEn4PJOx

—Aaron Rupar (@atrupar)”https://twitter.com/atrupar/status/2033918330269053434?ref_src=twsrc%5Etfw”>March 17, 2026

Note the little trick Johnson used after declining to provide an example, because it’s a trick many Republicans are using these days. He said polling suggests a broad majority of Americans support requiring a photo ID to vote and that this amounts to support for the SAVE Act, which, beyond requiring a photo ID, would authorize other disenfranchising policies, such as limiting mail-in voting. It’s also worth noting Republicans have not proposed corresponding changes to make it easier for people to obtain the IDs they’d require, which is why many of the bill’s critics have said the SAVE Act is essentially a poll tax reminiscent of Jim Crow.

As for the polling equating to support for the bill, that isn’t always a measure of a policy’s efficacy or constitutionality. U.S. history is replete with examples in which broad public opinion has been at odds with civil rights.

But Johnson’s evasion is what’s most notable here. It’s remarkable that the MAGA movement, whose membership embraced slogans such as “facts over feelings,” seems bereft of facts to support claims that the SAVE Act is anything other than a ploy to help Republicans commandeer the electoral process and help the party win races.

Trump himself exposed the true motive behind this voter suppression effort. As he’s faced growing unpopularitythe president has called for his administration to “take over” elections in areas where Democrats have won and has pressured Republican lawmakers to pass the SAVE Act.

“He promised Republican lawmakers last week that passing the bill would ‘guarantee the midterms’ for the GOP,” the Washington Post reported Wednesday.

Even the conservative Wall Street Journal editorial board denounced the bill, arguing “a pyrrhic victory isn’t worth busting the Senate filibuster.”

“Although Mr. Trump insists that voter fraud is endemic, his big claims aren’t backed by hard evidence,” the editors wrote. They also warn the bill’s restrictions on absentee voting risk overruling conservative-led states. The SAVE Act, they pointed out, “wouldn’t turn blue states red, and it can’t save Republicans from voter anger at unpopular policies.”

Ja’han Jones is an MS NOW opinion blogger. He previously wrote The ReidOut Blog.

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