Friday, May 30, 2014

Law designed to block predatory payday lending to vets too easy to circumvent -Paul Klien/Mitchell Hartman


 Seven years after Congress banned payday-loan companies from charging exorbitant interest rates to service members, many of the nation’s military bases are surrounded by storefront lenders who charge high annual percentage rates, sometimes exceeding 400 percent.

The Military Lending Act sought to protect service members and their families from predatory loans. But in practice, the law has defined the types of covered loans so narrowly that it’s been all too easy for lenders to circumvent it.

Full Story here and more here.

Thursday, May 29, 2014

San Bernardino: Make Economic Development a Priority


Economic Development needs to be a priority. This budget doesn’t reflect that priority. This council pays lip service to economic development but if the money doesn’t back the words, then the words are just wind instilling false hope in our residentswho need jobs.  Hiring just one person, even a great person will ensure slow growth at best. 

We need a professional economic development team. Right now Riverside has 25 planners, Rialto has 12, and Fontana has 15. We only have 2. And those cities also have other economic development personnel which puts us in a distinct disadvantage. 

San Bernardino and its residents will continue to suffer and not develop any competitive advantage if this council doesn’t make economic development a priority by the putting the money behind their words.

In order to grow our way out of this bankruptcy and develop the quality of life we deservewe need an economic development team. If not, then the 9,400 San Bernardino residents who are currently unemployed will continue to be unemployed with more to follow.

Without a professional economic team in place, then economic development will be rushed, unplanned, and wasteful whichleads to a haphazard form of economic development that stunts growth or severely retards it. There are many examples of this type of unfocused development all over this city.

In addition, we are under constant threat from being poachedand plundered. IEHP administration was moved out of San Bernardino to Rancho Cucamonga, the development of Citrus Plaza threatens Hospitality Lane, Highland Village, and future Rialto developments will ensure that more blighted and empty commercial buildings continue to add blight our city and drain future growth.

Lawmakers Push Payday Lender Bill -WSJ




 Lawmakers Push Payday Lender Bill

House lawmakers are pushing new legislation that would allow nonbank lenders, including payday lenders, to choose to operate under a federal charter instead of following different state laws. Backers of the measure say it would help consumers who are unable to obtain affordable credit from traditional sources. Introduced by Reps. Blaine Luetkemeyer (R-Mo.) and Joe Baca (D-Calif.), the bill would allow the payday loan industry to circumvent rules enforced by the Consumer Financial Protection Bureau. Instead, nonbank lenders that received a federal charter would be under the supervision of the Comptroller of the Currency. However, the proposal would prohibit loan periods of less than one month; and firms could not make loans that they do not believe consumers can pay back. But consumer advocates say the law would not ban predatory lenders from charging excessive fees and other unscrupulous practices. The legislation would actually block regulators from capping the interest rate or fees that nonbank lenders could charge for loans made under the federal charter, allowing predatory lenders to evade state usury laws.

Wednesday, May 28, 2014

Profiting from Recession, Payday Lenders Spend Big to Fight Regulation - Keith Epstein

Full Story

Excerpts:

Joe Baca weakens regulation of Payday Lending Industry
 
Rep. Luis Gutierrez (D-Ill.), chairman of the subcommittee with authority over consumer credit issues, had once advocated extending to all Americans an effective ban on payday lending for military personnel that Congress passed in 2006. By last year he had scaled back, urging an amendment that would have limited to six the number of loans a borrower could receive in a year.
Gutierrez’ less-restrictive amendment died when Democrats including Rep. Alcee Hastings (D-Fla.), threatened to vote against the entire consumer protection act if the payday provision was included. It also faced opposition from Rep. Joe Baca (D-Calif.), who countered Gutierrez with an amendment the industry regarded as favorable because it had the potential to open payday lending to new markets. Baca said in a statement last year that while "fly by night lenders" should be banned, he wanted to “ensure that students, blue collar workers, teachers, police officers and others have access to legitimate payday advance loans if needed."

All of the lawmakers – as well as many of their colleagues on the House Financial Services Committee – have received campaign contributions from the industry, its executives, employees and lobbyists. Since 2006, Gutierrez has received $38,550, Baca $16,250 and Hastings $13,500. Almost all of Baca’s contributions were reported during the last half of 2009, as the financial reform bill took shape. Chairman Frank has received $12,300 from the industry’s political action committees since 2006, and last year even Speier received some donations from the payday industry’s PACs: $3,500.
Gutierrez, Baca and Hastings declined requests to be interviewed for this story.

Kevin Kimble, Co-Founder & Director of Policy Development
 Another slide, from a presentation by Kevin B. Kimble, a vice president of Cash America, the nation’s largest supplier of pawn loans, and William Sellery Jr., a top FiSCA lobbyist, warned: “Payday lending now in play.” They characterized the industry’s strategic response as an “aggressive, multi-pronged defense” of payday lending, including not just traditional means of influence but creation of organizations such a “Coalition for Financial Choice” to counter the image of payday lenders as debt traps. The group’s Web site,www.coalitionforfinancialchoice.org, describes financial services as a “fundamental right” and urges supporters to refer to themselves as “pro consumer choice.”


31st CD: Joe Baca and The Revolving Door



The revolving door. It is a feature of American politics, whenever a Congressmemeber or a person from any administration retires, resigns, or quits they immediately go join a firm where they use their contacts to influence the very folks they used to be apart of or worked for.

Why? Because these contacts are worth money, sometimes big money and here is case in point.

After being summarily fired by the folks in the 35th Congressional District, Joe Baca co-founded a lobbying firm called the Financial Services Innovation Coalition. This coalition specializes in keeping regulation lax for predatory payday loans to low income families and veterans. 

According to the California Department of Business Oversight, San Bernardino  has 51 active payday lending institutions the most in San Bernardino County.

And if you think that payday lending is banned for veterans and military service-members, think again! 

Oceanside has 29 active payday lending institutions with most located within 15 miles of Marine Corps base Camp Pendleton.

Collecting lobbyist cash, while keep the poor impoverished and veterans and in debt is the Joe Baca way. 


Monday, May 26, 2014

How Republicans lose by winning

By Todd S. Purdu

 

It’s the predominant paradox of contemporary American politics: If Republicans prevail in this year’s midterm congressional elections, it will be because of their party’s sharp-edged stances on topics like abortion and Benghazi, Obamacare and immigration, gay marriage and the minimum wage — issues that energize the GOP’s core base of support.

But if Republicans lose the race for the White House in 2016, it will be because of their party’s polarizing, out-of-step stances on those very same issues, which alienate much of the broader electorate the GOP needs to win a national contest in a country whose demographics and political realities are shifting under its feet.

Read more: http://www.politico.com/story/2014/05/how-republicans-lose-by-winning-106961.html#ixzz32nYjPyds

Thursday, May 22, 2014

31st CD: The Pro-Baca SuperPAC

Baca is once again trying to pull the wool over the eyes of Inland Empire voters. Instead of voters having to find out after the fact that Baca took illegal donations, now he can hide behind the secrecy that surrounds SuperPACs to back his play. Baca accepted over $15,000 in 1999 so that he can win a special election seat...who knows how much Cal Voters for (dis)Honest Government spent to promote Baca as a Reagen Democrat. We probably won't find out until after the fact and quietly to boot!
Do you want a congressman who is unaccountable to the voters and who only pays attention to monied interests?

 I think not!

As the reports below show, Baca is willing to play fast and loose with the rules in order to get what he wants, which is another seat in Congress. Don't be fooled voters!

Wednesday, May 21, 2014

31st CD: For Baca, Old (Blue) Dog Old Tricks




Greed, Disrespect, and natural political alignment with Conversatives on issue after issue is the hallmark of career politician Joe Baca. Above the infamous Baca vs Brown campaign, where an upstart and aging assemblyman Joe Baca challenged a regal and stately Marta Brown. Baca was the definite conservative in the race, especially on the Guns issue. The NRA spent heavily on him to win. Previously, on any gun issue Assm. Baca would back the NRA to the butt stock, so to speak.

Now, former Congressman Joe Baca is painting himself as the Regan Democrat, willing to buck the establishment and cut the deficit, starve government, etc., etc., etc. Sorry Baca but this Back to the Future routine won't work.


31st CD: Happy Birthday Joe Baca! From Lesli Gooch


The Washington Elite are thick as thieves these days with Leslie Gooch and former Congressman Joe Baca in it to win it...or should I say in it to swindle it. 

I ran across this flyer the other day and I was surprised to see that Leslie Gooch put on a B-day bash for Joe Baca. I don't know why I was surprised because Washingtonians run in the same circles... Trading favors and apparently $5000 a plate birthday cakes while the folks in the Inland Empire are barely scraping by.

However, once in the Inland Empire they act like they don't know each other and are the sincerest of enemies. 

These Washington Elites are only out for one thing, lining their pockets and that's with a cherry on top!

Monday, May 19, 2014

SB: Warehouse Jobs Not the Right Fit


As a passage to the middle class, warehouse jobs are not for the city of San Bernardino. The range of wages for various warehouses is:

Evolution fresh: $8 
Fresh and Easy: $10 
Amazon: $10.50 
Khols: $11  

While they do provide entry-level jobs for low skilled workers, the drain on social services is not ameliorated. In addition, warehouse jobs take up too much space that might be subject to creative destruction in the future which would leave the city with large blighted subclass properties.

I don't know where the advocates of warehouse get the number $45,000 as a median income most wages are way below that as shown above. 

San Bernardino needs to tread cautiously to ensure that this type of development is in the long term interest of its residents.

Anitbiotics/Superbugs

Saturday, April 19, 2014

Danny Tillman At The University of Redlands Student Democratic Club Congressional District 31 Candidate Forum




Watch the video of Danny Tillman for U S Congress addressing the University of Redlands Student Democratic Club Congressional District 31 Forum.




Danny Tillman is a Democratic Candidate for U.S. Congress running in California's 31st District Open-Seat. San Bernardino Board of Education Member Danny Tillman is known for getting people involved to fight injustices. Danny Tillman will be a progressive voice and a Congressman who will work hard to create family wage paying jobs and educational opportunities for the people of the Inland Empire.

Danny Tillman is running for U. S. Congress in California's 31st Congressional District in 2014. The District includes the cities of San Bernardino, Rancho Cucamonga, Redlands, Upland, Fontana Rialto, Colton, Loma Linda and Grand Terrace. For more information visit Danny Tillman for Congress at:www.dannytillmanforcongress.com


Wednesday, April 9, 2014

Candidate Tillman's Headquarters Is Open For Business









WE DID IT, OUR CAMPAIGN OFFICE IS OPEN!



Now more than ever you can let Danny know you got his back!

With 8 weeks left until the 31st Congressional District primary, June 3, 2014, we are open and counting on you to have Danny's back!

Volunteer to walk door to door and hand out fliers and make phone calls to voters in our district.

Our campaign headquarters is located:

577 North 'D' Street, Suites 103 & 104
San Bernardino, CA 92401

Our campaign headquarters hours are:

Monday thru Friday from 11:00 am to 6:30 pm
and
Saturday from 10:30 am to 5:30 pm.

Join Danny Tillman for U. S. Congress' grassroots campaign and volunteer today!

LET DANNY KNOW YOU GOT HIS BACK!

Danny Tillman is a Democratic Candidate for U.S. Congress running in California's 31st District Open-Seat. San Bernardino Board of Education Member Danny Tillman is known for getting people involved to fight injustices. Danny Tillman will be a progressive voice and a Congressman who will work hard to create family wage paying jobs and educational opportunities for the people of the Inland Empire.


Danny Tillman is running for U. S. Congress in California's 31st Congressional District in 2014. The District includes the cities of San Bernardino, Rancho Cucamonga, Redlands, Upland, Fontana Rialto, Colton, Loma Linda and Grand Terrace. For more information visit Danny Tillman for Congress at:www.dannytillmanforcongress.com

Wednesday, April 2, 2014

Congressional Candidate Danny Tillman Opens Campaign Headquarters











FOR IMMEDIATE RELEASE
March 31, 2014

Contact: Renea Wickman
campaigntillman@gmail.com

CONGRESSIONAL CANDIDATE DANNY TILLMAN OPENS CAMPAIGN
HEADQUARTERS

Monday March, Danny Tillman open his campaign headquarters at 577 North ‘D’ Street, Suites 103 & 104, San Bernardino. The office will be open Monday thru Friday from 11:00 am to 6:30 pm and Saturday 10:30 am to 5:30 pm.

We are so thankful for the community members who made this happen, without your support and donations we could not have done it.

Please join Team Tillman Sunday April 6, 2014 from 2:00 pm - 6:00 pm and Monday April 7, 2014 from 12:00 pm - 3:00 pm, for our Open House as we celebrate the opening of our headquarters.

577 North ‘D’ Street, San Bernardino, CA

Donations of cash, reams of white paper, envelopes, stamps and office
supplies will be greatly appreciated.

Danny Tillman is a Democratic Candidate for U.S. Congress running in
California's 31st District Open-Seat. San Bernardino Board of Education Member Danny Tillman is known for getting people involved to fightinjustices. Danny Tillman will be a progressive voice and a Congressman who will work hard to create family wage paying jobs and
educational opportunities for the people of the Inland Empire.

Danny Tillman is running for U. S. Congress in California's 31stCongressional District in 2014. The District includes the cities of San Bernardino, Rancho Cucamonga, Redlands, Upland, Fontana Rialto, Colton, Loma Linda and Grand Terrace. For more information visit Danny Tillman for Congress at:www.dannytillmanforcongress.com

###




PAID FOR BY DANNY TILLMAN FOR CONGRESS

Contributions are not tax deductible for Federal Income Tax purposes. Federal law requires political committees to report the name, mailing address, occupation and name of employer for each individual whose contributions aggregate in excess of $200 in a calendar year. Corporate checks cannot be accepted.

Sunday, March 23, 2014

Danny Tillman At The League Of Women Voters Candidate Forum



Danny Tillman has been active in the community for over 30 years, he is a proven leader. His is a journey that started when he was in college. See why Danny Tillman is the candidate of choice for Congressional District 31.



Danny Tillman is a Democratic Candidate for U.S. Congress running in California's 31st District Open-Seat. San Bernardino Board of Education Member Danny Tillman is known for getting people involved to fight injustices. Danny Tillman will be a progressive voice and a Congressman who will work hard to create family wage paying jobs and educational opportunities for the people of the Inland Empire. 




PAID FOR BY DANNY TILLMAN FOR CONGRESS

Contributions are not tax deductible for Federal Income Tax purposes. Federal law requires political committees to report the name, mailing address, occupation and name of employer for each individual whose contributions aggregate in excess of $200 in a calendar year. Corporate checks cannot be accepted.