News from the South - West Virginia News Feed
States look at shoring up consumer protections as Trump hobbles federal watchdog
States look at shoring up consumer protections as Trump hobbles federal watchdog
by Kevin Hardy, West Virginia Watch
March 6, 2025
Illinois state Sen. Mark Walker already was working on legislation to bolster the state’s protections for consumers. But now that President Donald Trump has attacked the federal government’s consumer watchdog, Walker said it’s even more important for Illinois to act.
Walker, a Democrat, sponsored a bill to bolster the state’s existing bank regulator to help fill the void left by weakening of the federal Consumer Financial Protection Bureau, which Trump and billionaire Elon Musk have targeted for elimination.
Congress created the independent agency in 2010 in response to fallout of the Great Recession, when many people lost their homes, jobs or savings. It takes up individual consumer complaints, aims to protect against unfair banking practices and helps educate consumers. Weeks into Trump’s second term, the administration shuttered the bureau’s office, dropped pending cases against companies and ordered employees to stop work.
“The urgency is much higher now,” Walker said. “They apparently closed the doors and put everyone on leave. And I think it’s become critical now that we figure out exactly what we do to respond to these kinds of issues that consumers in Illinois have.”
Walker says the state attorney general and the Illinois Department of Financial and Professional Regulation have expertise in enforcing consumer protections. His bill, modeled after a previous successful effort in California, would give more authority to the state regulator to enforce state and federal consumer laws. But Illinois leaders already face a $3.2 billion budget deficit and are bracing for federal cuts to social service funding.
“It’s a matter of where it is on the set of priorities, some of which are a little bit hard to predict,” he said.
Experts say the uncertain future of the federal agency puts more pressure on state attorneys general and state financial regulators. Even though states have broad latitude in enforcing federal financial protections, advocates say they lack the might of the federal regulator. And partisan politics, along with existing budget shortfalls, means consumer enforcements will likely vary widely across the states.
The Trump administration has offered conflicting accounts about its plans for the Consumer Financial Protection Bureau.
In a court filing, the White House has said it doesn’t plan to kill the agency. But on Feb. 7, Musk posted an image of a headstone and the epitaph “CFPB RIP” on his social media platform X. Musk has expressed interest in adding a digital payment system to X — a financial product that the CFPB had said before Trump took office that it would regulate. Days after Musk’s post, the administration ordered employees to stop most work and fired dozens.
In the Oval Office on Feb. 10, Trump told reporters he planned to eliminate the bureau, which he said “was set up to destroy some very good people.”
“That was a very important thing to get rid of. And it was also a waste. I mean, number one, it was a bad group of people running it. But it was also a waste.”
Trump’s moves against the CFPB have been challenged in court, by agency employees, advocacy organizations and the city of Baltimore. In February, 23 states and the District of Columbia asked a federal judge in the Baltimore case to issue an injunction blocking the administration from defunding the bureau. Those states argue they will suffer irreparable harm by losing the CFPB’s processing of consumer complaints, data collection and distribution of money to harmed consumers.
‘A national emergency’
Since its inception, the bureau says it has returned more than $21 billion to millions of defrauded American consumers. The agency has helped consumers repair inaccuracies on credit reports, required banks to lower overdraft fees and set limits on credit card late fees.
Just months before the Great Recession began in late 2007, Elizabeth Warren, a Harvard Law professor at the time, proposed creation of a new federal agency to protect Americans from risky mortgages and overpriced credit products. Now a Democratic U.S. senator representing Massachusetts and a former presidential candidate, Warren last week said the agency “has been sidelined, but it is not dead.”
At a Thursday confirmation hearing, she grilled Jonathan McKernan, Trump’s pick to lead the agency. McKernan, a former member of the Federal Deposit Insurance Corp. board, said he would follow and enforce federal consumer laws, but said the agency has of late overreached its authority and is not accountable to Congress or the White House.
Warren questioned how he could effectively operate the agency if Trump wants it killed.
“It kind of feels like you’ve been lined up to be the number one horse at the glue factory,” she said.
During the hearing, news broke that the CFPB had just dropped at least four enforcement lawsuits, including one that accused Capital One of bilking customers out of more than $2 billion in interest.
An analysis by Democratic staff on the Senate Committee on Banking, Housing, and Urban Affairs found an 80% drop in the number of consumer complaints the agency directed to companies since Feb. 3, when the Trump administration initiated a stop work order and fired critical staff.
“It’s a national emergency,” Massachusetts Attorney General Andrea Joy Campbell said at a forum Warren hosted earlier in the week before the Senate confirmation hearing to discuss weakening of the CFPB.
Campbell, a Democrat, said her office is focused on affordability issues and consumer protections, but she said some states are “stepping away wholeheartedly” from that work.
“It’s not consistent — what we’re doing in Massachusetts — in every single state across the country,” she said. “So you will have elders and veterans and other consumers who are left out without anyone to fight for them on their behalf, with no resources and weapons to fight back.”
Conservative groups such as The Heritage Foundation have criticized not only the reach of the CFPB but also its unique funding mechanism. While other agencies such as the Securities and Exchange Commission must seek congressional spending approval, the CFPB derives its funding directly from the Federal Reserve system.
At his confirmation hearing, McKernan said the agency needs to be refocused on its mission and made more efficient and more accountable to elected officials.
He said consumers must have a way to redress bad actors in the economy, but also that the billions the agency has returned to consumers is not evidence of its achievement.
“I don’t think we should evaluate the success of the CFPB based on dollar numbers or enforcement count,” McKernan said. “That’s like evaluating an official based on the number of fouls he calls during the game.”
What states can do
Just before Trump took office, the CFPB issued guidance on how states could strengthen their own consumer protections.
In a 34-page document, the agency underscored previous guidance giving states authority to enforce federal rules. And it noted that Congress explicitly gave states power to enact more aggressive local protections — though federal rules take precedence with some regulations regarding national banks.
“Federal law should be a floor, not a ceiling, for the protection of consumers,” the report said.
In December, the nonprofit Consumer Federation of America issued a slate of 10 policy recommendations for state leaders to ensure their residents “enjoy vital protections regardless of changes in federal policy.” Those included banning so-called junk fees, prohibiting the inclusion of medical debt on credit reports and outlawing “bait-and-switch” auto sales practices in which consumers are misled about the full cost, terms or availability of cars.
“They have the power to enforce federal law. Just because federal law is not being enforced in D.C. doesn’t mean it can’t be enforced by states,” said Lauren Saunders, associate director of the National Consumer Law Center, a nonprofit consumer advocacy organization.
She said conservative states have traditionally put less emphasis on consumer protection — a partisan divide she expects to see grow as the federal government pulls back.
“States have resource limits as well,” she said. “They can’t be everywhere and can’t cover every issue. So you just tend to have a lot more uneven protection when you’re relying totally on states.”
The National Association of Attorneys General did not respond to questions by publication time. Neither did the office of Kansas Attorney General Kris Kobach, who leads the Republican Attorneys General Association.
Without a strong CFPB, banks and other financial institutions could find themselves wading through disparate state rules and enforcement efforts, said Horacio Mendez, president and CEO of the Woodstock Institute, an Illinois-based nonprofit research and advocacy group focused on fair lending and financial systems.
We’ve got to have some cop on the beat.
– Horacio Mendez, president and CEO of the Woodstock Institute
A former bank executive, Mendez said there are legitimate debates about the structure of CFPB. But he said tearing down the bureau is not in the best interest of consumers or businesses, which can be harmed by the abusive practices of their competitors.
Some banks may eventually pressure the federal government if they start facing various state rules and actions, he said.
“It’s really just putting the burden on states to pick up the slack, and then on national businesses to try to work within this fragmented state-by-state regulatory environment,” Mendez said. “It’s really not efficient. If anything, it actually increases costs and complexity for everybody.”
Blue states worry about resources
Without a federal backstop, Mendez said he’s “all in” on the proposed Illinois legislation to expand the authority of the financial regulators.
“We’ve got to have some cop on the beat.”
Currently, the Illinois Department of Financial and Professional Regulation is only empowered to enforce specific state rules, said spokesperson Chris Slaby. The department has relied on the federal agency for staff training, information sharing and data collection.
“While IDFPR may be able to shift some priorities, it does not have the staffing or funding to replicate the CFPB,” Slaby said in a statement.
In a statement to Stateline, California Democratic Attorney General Rob Bonta’s office said it had long taken a “complementary” approach to the federal agency’s work.
“However, the sudden gutting of the CFPB leaves no oversight over large, national banks and credit unions, guts oversight of payday lenders, the mortgage markets, and credit reporting agencies — among many others — and rapidly and substantially increases the burden on state agencies to protect consumers,” the statement said.
In 2020, California Democratic Gov. Gavin Newsom signed a dozen bills aimed at boosting consumer protections. The state added more investigators and attorneys and created the Department of Financial Protection and Innovation — characterized as California’s version of the CFPB.
State agency spokesperson Mark Leyes said the department was “steadfast” in its commitments regardless of potential changes in Washington.
But state Sen. Monique Limón, a Democrat who sponsored some of that legislation, said Californians will have one fewer option for lodging complaints if the federal agency is crippled. That will likely increase demand on the state regulator.
And while California has some of the strongest protections and is well positioned to investigate consumer complaints, she said, it does not have the resources to fill the void of the federal agency: “Even if that’s the desire, it can’t.”
GET THE MORNING HEADLINES.
West Virginia Watch is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. West Virginia Watch maintains editorial independence. Contact Editor Leann Ray for questions: info@westvirginiawatch.com.
The post States look at shoring up consumer protections as Trump hobbles federal watchdog appeared first on westvirginiawatch.com
News from the South - West Virginia News Feed
Feds direct states to check immigration status of their Medicaid enrollees
by Anna Claire Vollers, West Virginia Watch
August 22, 2025
This week, the Trump administration’s Centers for Medicare & Medicaid Services (CMS) announced an effort to check the immigration status of people who get their health insurance through Medicaid and the Children’s Health Insurance Program.
Medicaid is the public health insurance program for people with low incomes that’s jointly funded by states and the federal government. For families that earn too much to qualify for Medicaid but not enough to afford private insurance, CHIP is a public program that provides low-cost health coverage for their children.
The feds will begin sending states monthly enrollment reports that identify people with Medicaid or CHIP whose immigration or citizenship status can’t be confirmed through federal databases. States are then responsible for verifying the citizenship or immigration status of individuals in those reports. States are expected to take “appropriate actions when necessary, including adjusting coverage or enforcing non-citizen eligibility rules,” according to a CMS press release.
“We are tightening oversight of enrollment to safeguard taxpayer dollars and guarantee that these vital programs serve only those who are truly eligible under the law,” Robert F. Kennedy Jr., who oversees CMS as secretary of the U.S. Department of Health and Human Services, said in a press release announcing the new program.
As of April, roughly 71 million adults and children nationwide have Medicaid coverage, while another 7 million children have insurance through CHIP. Immigrants under age 65 are less likely to be covered by Medicaid than U.S.-born citizens, according to an analysis from health research organization KFF.
Immigrants who are in the country illegally aren’t eligible for federally funded Medicaid and CHIP. Only citizens and certain lawfully present immigrants — green card holders and refugees, for example — can qualify.
But some states have chosen to expand Medicaid coverage for immigrants with their own funds. Twenty-three states offer pregnancy-related care regardless of citizenship or immigration status, according to KFF. Fourteen states provide coverage for children in low-income families regardless of immigration status, while seven states offer coverage to some adults regardless of status.
The tax and spending package President Donald Trump last month cuts federal spending on Medicaid by more than $1 trillion, leaving states to either make up the difference with their own funds or reduce coverage. But the new law also includes restrictions on coverage for certain immigrants, including stripping eligibility from refugees and asylum-seekers.
Stateline reporter Anna Claire Vollers can be reached at avollers@stateline.org.
West Virginia Watch is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. West Virginia Watch maintains editorial independence. Contact Editor Leann Ray for questions: info@westvirginiawatch.com.
The post Feds direct states to check immigration status of their Medicaid enrollees appeared first on westvirginiawatch.com
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Centrist
This article provides a balanced overview of recent policy changes to Medicaid and CHIP enrollment verification tied to immigration status. It presents facts, official statements, and statistics without emotive language or partisan framing. Both the rationale behind the policy, such as safeguarding taxpayer dollars, and the impact on immigrants are covered objectively. The inclusion of context on eligibility rules and varying state approaches reinforces a neutral, informative tone, typical of centrist reporting seeking to inform rather than advocate.
News from the South - West Virginia News Feed
Students go back to school in West Virginia, but same education debates rage
by Andrew Donaldson, West Virginia Watch
August 21, 2025
While students across the Mountain State are going back to school to advance to the next grade, many parents and most of the politicians seemed to be held back in the same spots with the same education arguments of the last few years.
News headlines and social media stories come one at a time on the as-needed basis as events and the business model dictate. But separate news items and viral debates over school choice, school funding, school vaccination requirements, school closings, school performance, and school staffing are variations on one theme: What is education, and who should control it?
That basic “who/what” question of intent and control is not unique to education issues. All political stories when reduced to their essences are stories about power and money. Education has become more and more a political endeavour, because of inherently involved power and money. As such, the rules of discerning politics apply far more than the traditional policy ideas and learning philosophies of what information goes into a student and how to evaluate the information coming out of a student. Add in the culture warring elements fueled by the modern marriage of news media and social media, and you have an environment that is heavy on the vibes and light on vocation.
The COVID-19 crisis is justifiably noted to be an inflection point in the push-pull world of policy and politics in general and education specifically. COVID — or more specifically the reaction by the people involved in running the institutions of American society from schools, to government, to health care, to social order — revealed the pre-existing flaws with a stress test that most everyone failed to one degree or another. While the high-minded ideals of learning, education and bettering the next generation were still recited as if the words themselves would magically manifest such things into malleable minds, reality told a different story.
Schools were closed, opened, closed again, re-opened with restrictions and not-ready-for-prime-time hybrid and online learning. Exceptions and standards had to be adjusted on the fly. Parents and the government had a tug-of-war over who could better understand an unprecedented crisis in public health and public trust with in-classroom teachers and their students as the rope.
The generation of students who lived through it heard all the buzzwords and platitudes, but weighed them against their lived experience, and found them wanting. Words said education matters, students matter, learning matters. Actions told them the priority of the education system was to be a giant jobs and funding program first, a daycare for parents second, and once that was all satisfied, perhaps you might learn something while being taught to pass a test to show what you learned.
Post-COVID, plenty of parents and politicians seem unable to let go of the tug-of-war rope. While the individual debates over issues like the vaccine exemptions, the ballooning cost of the Hope Scholarship, and debates over what should and shouldn’t be included in curriculum continue, perspective is badly needed that all these threads form the one cord of systematically educating students. The in-classroom teachers and students are on a treadmill that starts every August and keeps going until the following June. Education in the United States of America in the Year of Our Lord 2025 is very much a machine that does not stop.
The ever-entwined socio-political news and social media coverage of education runs at variable speeds, mostly parallel to the actual in-classroom education system. When the news narratives and social media attention does cross over into the real world education system, chaos and confusion are usually the result. Regardless of the chaos or the reason du jour, the in-classroom teachers have to press ahead with the students. While the algorithms and consultants keep us entertained, the pressure on an already overworked, underfunded and constantly criticized in-classroom environment is doing no one any favors.
Not that there ever was an era of magnanimous politics, but even with cellphones being banned from classrooms the rising generations of students have more information on current events than ever before. Those students aren’t just learning the curriculum; they are learning what the adults — teachers, parents, government officials, administrators — really think about them and their place in the education and political machines that drive America. And they are going to believe us.
GET THE MORNING HEADLINES.
West Virginia Watch is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. West Virginia Watch maintains editorial independence. Contact Editor Leann Ray for questions: info@westvirginiawatch.com.
The post Students go back to school in West Virginia, but same education debates rage appeared first on westvirginiawatch.com
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Center-Left
The content presents a critical view of the current education system, highlighting systemic issues such as underfunding, politicization, and the impact of COVID-19 on schooling. It emphasizes the struggles of teachers and students within a politicized environment and calls for broader perspective and reform. While it critiques both political sides and the media’s role, the focus on social challenges and institutional shortcomings aligns more closely with center-left perspectives that advocate for systemic improvements and greater support for public education.
News from the South - West Virginia News Feed
WV groups call on Morrisey, McCuskey to push against end of federal solar program
by Lori Kersey, West Virginia Watch
August 20, 2025
A group of West Virginia environmental organizations is asking state officials to speak against the Trump administration’s move to end a Biden-era solar program that last year committed more than $100 million for projects in West Virginia.
The Environmental Protection Agency terminated the $7 billion Solar for All program earlier this month. The program was intended to help pay for residential solar projects for more than 900,000 lower income U.S. households.
Twelve organizations — including American Friends Service Committee of West Virginia, Appalachian Voices, Christians for the Mountains, and Citizens’ Climate Lobby of West Virginia — sent a letter Tuesday asking Gov. Patrick Morrisey and Attorney General J.B. McCuskey to speak against the program’s cancellation.
“We urge you to use every tool at your disposal to push back against this unwarranted action that will harm families and small businesses across West Virginia,” the organizations wrote.
The EPA granted the West Virginia Office of Energy $106 million in Solar for All funding last year. It also awarded money to 59 other entities.
According to the Office of Energy’s website, the grant was to be used to “deploy residential solar roofs, support home energy efficiency, reduce utility costs for low-income residents, and make West Virginia households more energy resilient.”
The program was scheduled to launch and start construction in 2026, according to a timeline listed on the website.
In a post on the social media platform X on Aug. 7, EPA administrator Lee Zeldin said the Big Beautiful Bill Act, signed into law last month, eliminated the Greenhouse Gas Reduction Fund, which included Solar For All.
“In some cases, your tax dollars were diluted through up to FOUR pass-through entities, each taking their own cut off the top!” Zeldin wrote. “The bottom line is this: EPA no longer has the statutory authority to administer the program or the appropriated funds to keep this boondoggle alive.
“Today, the Trump EPA is announcing that we are ending Solar for All for good, saving US taxpayers ANOTHER $7 BILLION!,” he wrote.
Zeldin said in a video that while the program was stood up in 2024, very little of the program’s money has been spent. Recipients are in the “building and planning phase,” and not the construction process, he said.
A spokesperson for the West Virginia Division of Economic Development, which oversees the Office of Energy, did not immediately respond to an email Monday asking how the local program would be affected by the cancellation and whether or not the state’s grant money had been spent.
In a news release, Quenton King, government affairs specialist for Appalachian Voices, noted that West Virginia officials applied for the funding in 2023, knowing “the value that solar energy brings” to the state.
“The Office of Energy was actively working out how to set the program up for success and lower electricity prices for West Virginia households, and it would be a waste to throw away that work now,” he wrote. “I hope that Gov. Morrisey and A.G. McCuskey work with the administration and our congressional delegation to restore the appropriated and obligated funding for this program.”
Representatives for Morrisey and McCuskey did not immediately respond to an email seeking comment Tuesday.
YOU MAKE OUR WORK POSSIBLE.
West Virginia Watch is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. West Virginia Watch maintains editorial independence. Contact Editor Leann Ray for questions: info@westvirginiawatch.com.
The post WV groups call on Morrisey, McCuskey to push against end of federal solar program appeared first on westvirginiawatch.com
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Center-Left
The content presents a focus on environmental protection and opposition to the Trump administration’s termination of a solar energy program aimed at helping low-income households, which aligns with priorities common to center-left perspectives. The article reports concerns from environmental groups and officials about the impact of ending the program but also includes statements from EPA administrator Lee Zeldin explaining the rationale for cancellation, providing some balance. Overall, the piece leans slightly left due to its emphasis on environmental funding and social equity in energy access while maintaining a moderate tone without strong partisan language.
-
News from the South - Florida News Feed7 days ago
Floridians lose tens of millions to romance scams
-
News from the South - Texas News Feed6 days ago
New Texas laws go into effect as school year starts
-
News from the South - Alabama News Feed6 days ago
Final steel girders placed on new Gulf Shores bridge, completion on track
-
News from the South - West Virginia News Feed6 days ago
Religious exemption debate front and center amid new school year in WV
-
News from the South - Arkansas News Feed6 days ago
Trump, Zelenskyy exit White House talks hopeful about security guarantee for Ukraine
-
News from the South - Alabama News Feed6 days ago
Despite federal shift, state health officials encourage COVID vaccines for pregnant women
-
News from the South - Tennessee News Feed7 days ago
Son hopes to get emergency visa following mother's death in East Tennessee
-
News from the South - Alabama News Feed5 days ago
U.S. agriculture secretary announces end to subsidies for solar panels on farmland