# disparate impact (blogs) — RSS Amplifier Recent posts from the 2 feeds in the RSS Amplifier directory that cover disparate impact. Page: Feed: --- ## [Credit repair network blocked](https://www.consumerfinancemonitor.com/2026/08/21/credit-repair-network-blocked/) _2026-08-21 · Ballard CFS Group · Consumer Finance Monitor_ A federal judge has issued a Temporary Restraining Order blocking the operation of a network of 16 related companies and their principals that operated a credit repair business. At the request of the FTC, Judge Steven Logan of the U.S. District Court for the District of Arizona has blocked Credit Glory from conducting business.... Continue Reading ## [FDIC Launches Office of Supervisory Appeals](https://www.consumerfinancemonitor.com/2026/08/21/fdic-launches-office-of-supervisory-appeals/) _2026-08-21 · Scott A. Coleman and John L. Culhane, Jr. · Consumer Finance Monitor_ The FDIC has announced the panel for its new Office of Supervisory Appeals. The panel is comprised of independent officials who will consider and resolve appeals of material supervisory determinations brought before the agency. The office is a standalone office inside the FDIC and replaces the Supervision Appeals Review Committee (SARC) as the last level of review of material supervisory… ## [Gratitude Tour: Skip Holmes](https://theeducatorsroom.com/gratitude-tour-skip-holmes/) _2026-08-21 · Dan Dunsmore · The Educators Room_ Before I retired from fulltime teaching, I was given an opportunity to teach parttime at St. Anne’s School of Annapolis. My school year 2024-2025 at St. Anne’s proved to be one of the most rewarding of my forty-three-year career. I made new friends along the way, of course, and one of those to whom I \[…\] The post Gratitude Tour: Skip Holmes appeared first on The Educators Room . ## [Education Department Tells Schools Race Can’t Factor Into Student Discipline, Opens Two Investigations](https://theeducatorsroom.com/education-department-tells-schools-race-cant-factor-into-student-discipline-opens-two-investigations/) _2026-08-20 · Franchesca Warren · The Educators Room_ The U.S. Department of Education issued new guidance on August 18, 2026, directing K-12 schools and colleges that receive federal funding to stop considering students’ race when handing out discipline. The guidance, delivered as a 20-page “Dear Colleague Letter” and signed by Assistant Secretary for Civil Rights Kimberly Richey, says school discipline policies must treat \[…\] The post Education… ## [Today’s Podcast Release: The “Confidence Advantage”: Why Privacy, Cybersecurity and AI Governance Are Becoming Business Imperatives](https://www.consumerfinancemonitor.com/2026/08/20/todays-podcast-release-the-confidence-advantage-why-privacy-cybersecurity-and-ai-governance-are-becoming-business-imperatives/) _2026-08-20 · Ballard CFS Group · Consumer Finance Monitor_ In the latest episode of the Consumer Finance Monitor podcast that we are releasing today, we explore a topic that is becoming increasingly important for financial services companies and virtually every other business operating in today’s digital economy: how privacy, cybersecurity, and AI governance can be transformed from compliance obligations into sources of customer confidence, resilience,… ## [DIDMCA’s Section 525 Opt-Out: Congress Allowed States to Reimpose Usury Limits on Their Own Banks, Not on Out-of-State Lenders](https://www.consumerfinancemonitor.com/2026/08/20/didmcas-section-525-opt-out-congress-allowed-states-to-reimpose-usury-limits-on-their-own-banks-not-on-out-of-state-lenders/) _2026-08-20 · Alan S. Kaplinsky and Ronald K. Vaske · Consumer Finance Monitor_ The purpose of this blog is to respond to questions we have received as to why a state like Colorado would ever use Section 525 of DIDMCA to opt out of Section 521 of DIDMCA if it would not preclude rate exportation by out-of-state, state-chartered banks. The question suggests that Congress would not have enacted Section 525 for any purpose other than to prevent rate exportation.... Continue… ## [The Real AI Divide Isn’t Technology. It’s Teacher Learning.](https://theeducatorsroom.com/the-real-ai-divide-isnt-technology-its-teacher-learning/) _2026-08-20 · Sonia Murrow · The Educators Room_ School districts across the country are spending millions of dollars to bring artificial intelligence into classrooms. They are purchasing licenses from Microsoft, Google, OpenAI, and a growing list of education technology companies. States and cities are issuing guidance. Districts are launching pilot programs. School leaders are encouraging teachers to experiment. But one critical investment has… ## [FTC Proposes Enforcement Policy on Personalized Pricing as States and Congress Move Toward Broader Restrictions](https://www.consumerfinancemonitor.com/2026/08/20/ftc-proposes-enforcement-policy-on-personalized-pricing-as-states-and-congress-move-toward-broader-restrictions/) _2026-08-20 · Alan S. Kaplinsky · Consumer Finance Monitor_ The Federal Trade Commission (FTC) has taken another important step in the rapidly developing debate over “surveillance pricing.” On August 19, the FTC issued for public comment a Proposed Enforcement Policy Statement Regarding Personalized Pricing, warning businesses that using consumers’ personal data to set individualized prices without adequate disclosure may violate Section 5 of the FTC Act.… ## [My First Class](https://theeducatorsroom.com/my-first-class/) _2026-08-19 · Patricia Goldblatt · The Educators Room_ My parents dropped me at the YMCA in Oshawa. I paused at the doorway of a mansion that once belonged to the founders of General Motors in Canada. I felt like some wayward teen to whisked away into the depths of the musty residence. With its crystal chandeliers and circling staircase, it must have once \[…\] The post My First Class appeared first on The Educators Room . ## [Kindergarten Vaccination Rates Drop, Exemptions Rise as Measles Cases Climb, CDC Data Shows](https://theeducatorsroom.com/kindergarten-vaccination-rates-drop-exemptions-rise-as-measles-cases-climb-cdc-data-shows/) _2026-08-18 · Cheryl Adams · The Educators Room_ Vaccination coverage among U.S. kindergartners declined across the board during the 2025–2026 school year, while the share of children exempted from required vaccines climbed to its highest level yet, trends unfolding alongside a sharp rise in measles cases nationwide, according to new CDC data. Vaccination Coverage and Exemptions Coverage fell for every reported vaccine compared \[…\] The post… ## [Transcript-Driven Stock Discovery (Sponsored)](https://crawlproof.com/a/xNQ9SnB9UHQL) _2026-08-18 · **Sponsored**_ Ranked, evidence-backed watchlists from indexed executive transcripts for 1–2 quarter horizons ## [Ten States Take on the OCC Over National Bank Preemption of State Escrow-Interest Laws](https://www.consumerfinancemonitor.com/2026/08/18/ten-states-take-on-the-occ-over-national-bank-preemption-of-state-escrow-interest-laws/) _2026-08-18 · Alan S. Kaplinsky · Consumer Finance Monitor_ The battle over the scope of the Office of the Comptroller of the Currency’s authority to preempt state consumer financial laws has entered a new phase. On August 11, 2026, Oregon and nine other states with “blue” attorneys general filed a lawsuit challenging two rules adopted by the OCC that purport to preempt state laws requiring mortgage lenders to pay interest on funds held in escrow… ## [CFPB Ends Publication of Consumer Complaint Narratives and Data Visualizations](https://www.consumerfinancemonitor.com/2026/08/18/cfpb-ends-publication-of-consumer-complaint-narratives-and-data-visualizations/) _2026-08-18 · Alan S. Kaplinsky, John L. Culhane, Jr. and Richard J. Andreano, Jr. · Consumer Finance Monitor_ The Consumer Financial Protection Bureau announced on August 14, 2026, that it will cease its discretionary publication of consumer complaint narratives and associated data visualizations in the Consumer Complaint Database which it is statutorily required to maintain under the Dodd-Frank Act. The CFPB’s announcement represents a significant change in the way the Bureau makes consumer complaint… ## [La’Brea Pringle: Reimagining Education Through Care, Neuroscience, and the Science of Belonging](https://theeducatorsroom.com/labrea-pringle-reimagining-education-through-care-neuroscience-and-the-science-of-belonging/) _2026-08-18 · Cheryl Adams · The Educators Room_ Dr. La’Brea Pringle, recognized as a Top 50 Educator, has built her career around a powerful belief: students learn best in environments that consistently communicate their value. Her work sits at the intersection of care, neuroscience, and instructional design, reshaping what it means to create classrooms where adolescents not only achieve academically, but also feel \[…\] The post La’Brea Pringle:… ## [FDIC Considers Industry Standard-Setting Organization for Third-Party Service Providers](https://www.consumerfinancemonitor.com/2026/08/17/fdic-considers-industry-standard-setting-organization-for-third-party-service-providers/) _2026-08-17 · Alan S. Kaplinsky, Ronald K. Vaske and Adam Maarec · Consumer Finance Monitor_ According to an exclusive Bloomberg Law report , the Federal Deposit Insurance Corporation is considering plans to work with banking and financial technology industry groups to establish a new standard-setting organization. The report is based on a term sheet that would establish a Banking Industry Standards Development Organization (BISDO) to develop standards and issue standard certifications to… ## [NYC’s SHIELD Debt Collection Rule: DCWP’s New FAQ Clarifies Key Compliance Questions](https://www.consumerfinancemonitor.com/2026/08/17/nycs-shield-debt-collection-rule-dcwps-new-faq-clarifies-key-compliance-questions/) _2026-08-17 · Alan S. Kaplinsky and John L. Culhane, Jr. · Consumer Finance Monitor_ In March, we re p orted on New York City’s new Stopping Harassment and Intimidation and Ensuring Lawful Debt Collection Rule (the “SHIELD Rule”), which substantially expands the Department of Consumer and Worker Protection’s (“DCWP”) regulation of debt collection in New York City and goes beyond the federal Fair Debt Collection Practices Act (“FDCPA”) and Regulation F. ... Continue Reading ## [FTC Abandons Disparate Impact and “Unfair Discrimination” Theories: A Major Shift in Federal Consumer-Protection Law](https://www.consumerfinancemonitor.com/2026/08/14/ftc-abandons-disparate-impact-and-unfair-discrimination-theories-a-major-shift-in-federal-consumer-protection-law/) _2026-08-14 · Richard J. Andreano, Jr., John L. Culhane, Jr., Alan S. Kaplinsky and Ronald K. Vaske · Consumer Finance Monitor_ The Federal Trade Commission (FTC) has taken a major step toward dismantling two theories of discrimination. In a new Policy Statement Regarding Disparate-Impact Claims and “Unfair Discrimination” Claims, the FTC announces that it will no longer pursue disparate-impact claims under the FTC Act or the Equal Credit Opportunity Act (ECOA). Just as significantly, although less prominently emphasized… ## [Senate Judiciary Hearing Reveals Bipartisan Support for Federal Action on AI-Driven “Surveillance Pricing”](https://www.consumerfinancemonitor.com/2026/08/14/senate-judiciary-hearing-reveals-bipartisan-support-for-federal-action-on-ai-driven-surveillance-pricing/) _2026-08-14 · John L. Culhane, Jr. and Alan S. Kaplinsky · Consumer Finance Monitor_ The Senate Judiciary Committee’s Subcommittee on Crime and Counterterrorism held an unusually consequential hearing on August 4 entitled “ Your Data, Their Profit: The Consumer Cost of AI Surveillance Pricing .” The hearing produced something that has become increasingly rare in Washington: substantial bipartisan agreement that Congress should do something about the use of consumers’ personal data… ## [Illinois Enacts Disparate Impact Standard for Credit Decisions: What Lenders Need to Know](https://www.consumerfinancemonitor.com/2026/08/14/illinois-enacts-disparate-impact-standard-for-credit-decisions-what-lenders-need-to-know/) _2026-08-14 · Alan S. Kaplinsky, Richard J. Andreano, Jr. and John L. Culhane, Jr. · Consumer Finance Monitor_ Introduction Illinois has joined a growing number of states that are expanding fair lending obligations at the state level even as the federal government moves in the opposite direction. On July 31, 2026, SB 3777 became Public Act 104-0744 , amending the Illinois Human Rights Act (Act) to prohibit not only intentional discrimination in lending and credit card issuance, but also the use of facially… ## [Gratitude Tour: Tony Brown](https://theeducatorsroom.com/gratitude-tour-tony-brown/) _2026-08-14 · Dan Dunsmore · The Educators Room_ In the fall of 1998, I began teaching in the Fishburne Learning Center at Blue Ridge School alongside another teacher new to the school, Tony Brown. As we helped students with learning differences, I learned quickly that Tony has a booming voice and a heart the size of a canyon. I would also learn that \[…\] The post Gratitude Tour: Tony Brown appeared first on The Educators Room . ## [Measles Cases Hit 35-Year Record High Just As Kids Head Back to School](https://theeducatorsroom.com/measles-cases-hit-35-year-record-high-just-as-kids-head-back-to-school/) _2026-08-13 · TER Staff · The Educators Room_ By Amanda Geduld This story first appeared at The 74, a nonprofit news site covering education. Sign up for free newsletters from The 74 to get more like this in your inbox. As millions of kids across the country prepare to head back to school — and many have already returned — the national count of measles \[…\] The post Measles Cases Hit 35-Year Record High Just As Kids Head Back to School… ## [Ask the crowd: AI or not (Sponsored)](https://crawlproof.com/a/RckKPyu78EhS) _2026-08-13 · **Sponsored**_ Get a transparent verdict from verified humans via web, RSS, or API. ## [Explaining the Phone Rule Without Becoming the Phone Police](https://theeducatorsroom.com/explaining-the-phone-rule-without-becoming-the-phone-police/) _2026-08-13 · Chris Sadler · The Educators Room_ A phone comes out in the second row, nine minutes into the lesson. You have seen it. So have half a dozen others, and the ones who missed it can tell from the change in the room that something is happening. Everyone is now waiting to find out what you do. Whatever happens in the \[…\] The post Explaining the Phone Rule Without Becoming the Phone Police appeared first on The Educators Room . ## [Victoria Sorg: Expanding Access, Elevating Student Voice, and Redefining What It Means to Belong in Learning](https://theeducatorsroom.com/victoria-sorg-expanding-access-elevating-student-voice-and-redefining-what-it-means-to-belong-in-learning/) _2026-08-11 · Cheryl Adams · The Educators Room_ Victoria Sorg’s journey into education began outside of it—in the fast-paced world of public relations and marketing. While she valued the relationships and professional growth that came with that career, she found herself returning to a more fundamental question: whether her work was making the kind of difference she truly wanted to make. That reflection \[…\] The post Victoria Sorg: Expanding… ## [The Poetry of Rock: The Assignment That Changed My Life](https://theeducatorsroom.com/the-poetry-of-rock-the-assignment-that-changed-my-life/) _2026-08-10 · Lee Gabay · The Educators Room_ The only things in my bookbag were a small pack of Kleenex, five sticks of Big Red gum, and a copy of No One Here Gets Out Alive, the Jim Morrison biography by Jerry Hopkins and Danny Sugerman. It was April 1982, and I was nearing the end of Ms. Margo’s 7th grade English class \[…\] The post The Poetry of Rock: The Assignment That Changed My Life appeared first on The Educators Room .