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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.

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“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.”

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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.

kreon finnancial services limited (530139) vs yyy ✌️【Employment Opportunities】✌️ Accurate stock market predictions with real-time stock indices, futures data, and global market trend analysis. Achieve stable growth and avoid losses by staying ahead with our expert recommendations. 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.

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kreon finnancial services limited (530139) vs yyy ✌️【Employment Opportunities】✌️ Receive expert stock predictions with real-time updates on global market trends, including stock indices, futures prices, and forex fluctuations. Use our insights to improve your investment strategies and boost your returns. Trump also pushed for consumer protections during his first term, as 【 - Free Exclusive Group 】’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.

kreon finnancial services limited (530139) vs yyy ✌️【Employment Opportunities】✌️ Free real-time stock market data, professional analysis, and expert insights to help you plan the best investment strategy. Get ahead of the competition with expert predictions on market trends. 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.

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“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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