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Democrats may have lost power in Washington in part because voters blamed them for the rising cost of goods, but when Joe Biden’s administration hands over power, it will also leave behind a series of strong new protections for consumers.

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►Caps on annoying costs:$35 is the max monthly cost of insulinfor Americans in Medicare thanks to a law passed by Democrats, and some drug makers are now expanding that price cap for even more people. There’s also a new $5cap on overdraft feesat banks thanks to a new rule finalized by the Consumer Financial Protection Bureau.

►Bans on efforts to hide costs from consumers:The Federal Trade Commission cracked down onjunk fees for concert ticketsand short-term rentals are subject to new transparency rules. Fake online reviews can lead to fines.

►Protections for travelers:Airlines are nowrequired by the Department of Transportationto issue refunds for some cancellations and the government has created a website to compare the consumer policies of different airlines. The Federal Aviation Administration has proposed a rule to help families with children to sit together at no extra cost.

►Transparency in cable and internet bills:New Federal Communications Commission rules will make it easier for people to figure out what they’re being charged“all-in” in cable billsand a “nutrition label” to demystify internet service provider bills.

►A crackdown on scam texts:The FCC is alsorequiring mobile service providersto block some text messages from suspicious sources.

► A better way to unsubscribe:The FTC is requiring that subscriptions bought online must include a “click to cancel” option online.

Even in the waning days of the Biden administration, there are more happening. CFPB is working to remove medical debt from most credit reports, although that rule finalized in early January is alreadythe subject of a lawsuit. The Wall Street Journal alsoreported Mondaythe FTC would sue the country’s largest landlord, Greystar Real Estate Partners, alleging deceptive pricing practices.

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ Free stock data analysis tools to help you select stocks accurately and capture global market trends. Stay ahead with expert market predictions for better investment returns. When I asked Teresa Murray, consumer watchdog director at Public Interest Research Group, how the landscape has changed over the past four years, she was ready with a list of developments and the argument that things have moved in the right direction.

“I would say that being a consumer in the United States has become a lot more transparent, or it’s on the path to becoming more transparent, and that’s a very good thing,” Murray said.

“I would say that that President Biden has been the the strongest consumer protection president we’ve probably ever had,” she told me, arguing the Biden administration went all out to fix “the conundrums that consumers find themselves in when they’re trying to make everyday decisions in their lives about airline tickets, or tickets to live events, or banking.”

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ Real-time stock and futures data, backed by expert stock market trend predictions, to help you make timely and profitable investment decisions. The measures have been enacted in a variety of ways, such as passing new laws, as with the cap on the cost of insulin in Medicare or some of the airline-related reimbursement rules.

But most have been done through rulemaking, the process whereby a government agency proposes a rule, hears from the public over the course of months, and then engages in a rulemaking process, which takes time and is subject to lawsuits.

Undoing such rules does not happen overnight and there’s no indication that Trump will look to claw back any of these presumably popular measures.

But he does want to reorganize the government. Tesla and SpaceX CEO Elon Musk, one of the co-leaders of Trump’s government efficiency efforts, has said he wants to “delete” the Consumer Financial Protection Bureau.

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ AI-driven stock trend forecasting with free access to real-time market data, offering personalized investment advice and expert predictions. The agency, thebrainchild of now-Sen. Elizabeth Warren of Massachusetts, was created by law during President Barack Obama’s administration in response to the 2008 financial system meltdown. The Supreme Court this yearsaved the CFPB from extinctionwhen it brushed aside a lawsuit from a group of payday lenders.

CFPB rules are frequently challenged in court. A rule tocap many credit card late fees at $8is on hold due to a lawsuit in Texas.

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ Real-time stock market data, precise predictions, and investment strategies to help you optimize your portfolio and achieve financial success. Additionally,Trump generally opposes rules meant to address climate change, and has promised to reversefuel economy standardsfor cars and trucks. When he grumbled about water pressure during a Mar-a-Lago press conference, he may have been referencing a newBiden administration ruledesigned to make water heaters more efficient beginning in 2029. The Department of Energy argues it will save consumers money on utility costs, but it could also drive up the cost of new water heaters.

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ Free expert predictions on stock trends and real-time data to help you make informed decisions and grow your wealth steadily. Trump also pushed for consumer protections during his first term, as 【 - Free Stock Market Analysis Courses 】’s Tami Luhby reminded me. TheNo Surprises Actwas passed by Congress at the end of Trump’s term, although it took effect after Biden became president.

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ Accurate real-time market data and expert stock predictions for profitable investment opportunities in global markets. That law, which aimed to ban unexpected medical charges from out-of-network providers, is also an example of how something that has broad support can take years to get through Congress.

bright brothers limited (526731) stock experiences sudden dip ✌️【Safe Investments】✌️ Expert stock predictions and free stock selection services to help you achieve optimal returns and long-term growth. Murray said the pro-consumer rules like eliminating junk fees and creating transparency in reviews are the kinds of things that have been a long time coming and have bipartisan support. She argued that honest businesses shouldn’t mind them because it levels the playing field in the marketplace.

“They just want to do it all fairly. They want to do it honestly. They want to do it with transparency, and if all of the bad actors are squashed and required to play by the same rules,” she said.

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