#Chopras

[thespilledquotes]

To make the right choices in life you need to get in touch with your soul. To do this, you need to experience solitude, which most people are afraid of.

Deepak Chopra

[surqrised]

Be happy for no reason, like a child. If you are happy for a reason, you’re in trouble, because that reason can be taken from you.

Deepak Chopra

[quotemadness]

Be happy for no reason, like a child. If you are happy for a reason, you’re in trouble, because that reason can be taken from you.

Deepak Chopra

[365filmsbyauroranocte]

Smooth Talk (Joyce Chopra, 1985)

[thehopefulquotes]

Be happy for no reason, like a child. If you are happy for a reason, you’re in trouble, because that reason can be taken from you.

Deepak Chopra

[mostlysignssomeportents]

The CFPB is genuinely making America better, and they're going HARD

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

Let's take a sec here and notice something genuinely great happening in the US government: the Consumer Finance Protection Bureau's stunning, unbroken streak of major, muscular victories over the forces of corporate corruption, with the backing of the Supreme Court (yes, that Supreme Court), and which is only speeding up!

A little background. The CFPB was created in 2010. It was Elizabeth Warren's brainchild, an institution that was supposed to regulate finance from the perspective of the American public, not the American finance sector. Rather than fighting to "stabilize" the financial sector (the mission that led to Obama taking his advisor Timothy Geithner's advice to permit the foreclosure crisis to continue in order to "foam the runways" for the banks), the Bureau would fight to defend us from bankers.

The CFPB got off to a rocky start, with challenges to the unique system of long-term leadership appointments meant to depoliticize the office, as well as the sudden resignation of its inaugural boss, who broke his promise to see his term through in order to launch an unsuccessful bid for political office.

But after the 2020 election, the Bureau came into its own, when Biden poached Rohit Chopra from the FTC and put him in charge. Chopra went on a tear, taking on landlords who violated the covid eviction moratorium:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

Then banning payday lenders' scummiest tactics:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Then striking at one of fintech's most predatory grifts, the "earned wage access" hustle:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

Then closing the loophole that let credit reporting bureaus (like Equifax, who doxed every single American in a spectacular 2019 breach) avoid regulation by creating data brokerage divisions and claiming they weren't part of the regulated activity of credit reporting:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Chopra went on to promise to ban data-brokers altogether:

https://pluralistic.net/2024/04/13/goulash/#material-misstatement

Then he banned comparison shopping sites where you go to find the best bank accounts and credit cards from accepting bribes and putting more expensive options at the top of the list. Instead, he's requiring banks to send the CFPB regular, accurate lists of all their charges, and standing up a federal operated comparison shopping site that gives only accurate and honest rankings. Finally, he's made an interoperability rule requiring banks to let you transfer to another institution with one click, just like you change phone carriers. That means you can search an honest site to find the best deal on your banking, and then, with a single click, transfer your accounts, your account history, your payees, and all your other banking data to that new bank:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

Somewhere in there, big business got scared. They cooked up a legal theory declaring the CFPB's funding mechanism to be unconstitutional and got the case fast-tracked to the Supreme Court, in a bid to put Chopra and the CFPB permanently out of business. Instead, the Supremes – these Supremes! – upheld the CFPB's funding mechanism in a 7-2 ruling:

https://www.scotusblog.com/2024/05/supreme-court-lets-cfpb-funding-stand/

That ruling was a starter pistol for Chopra and the Bureau. Maybe it seemed like they were taking big swings before, but it turns out all that was just a warmup. Last week on The American Prospect, Robert Kuttner rounded up all the stuff the Bureau is kicking off:

https://prospect.org/blogs-and-newsletters/tap/2024-06-07-window-on-corporate-deceptions/

First: regulating Buy Now, Pay Later companies (think: Klarna) as credit-card companies, with all the requirements for disclosure and interest rate caps dictated by the Truth In Lending Act:

https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules

Next: creating a registry of habitual corporate criminals. This rogues gallery will make it harder for other agencies – like the DOJ – and state Attorneys General to offer bullshit "delayed prosecution agreements" to companies that compulsively rip us off:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-creates-registry-to-detect-corporate-repeat-offenders/

Then there's the rule against "fine print deception" – which is when the fine print in a contract lies to you about your rights, like when a mortgage lender forces you waive a right you can't actually waive, or car lenders that make you waive your bankruptcy rights, which, again, you can't waive:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-warns-against-deception-in-contract-fine-print/

As Kuttner writes, the common thread running through all these orders is that they ban deceptive practices – they make it illegal for companies to steal from us by lying to us. Especially in these dying days of class action suits – rapidly becoming obsolete thanks to "mandatory arbitration waivers" that make you sign away your right to join a class action – agencies like the CFPB are our only hope of punishing companies that lie to us to steal from us.

There's a lot of bad stuff going on in the world right now, and much of it – including an active genocide – is coming from the Biden White House.

But there are people in the Biden Administration who care about the American people and who are effective and committed fighters who have our back. What's more, they're winning. That doesn't make all the bad news go away, but sometimes it feels good to take a moment and take the W.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

[perfectquote]

To make the right choices in life you have to get in touch with your soul. To do this, you need to experience solitude - which most people are afraid of because in the silence you hear the truth and know the solutions.

Deepak Chopra

[resqectable]

Every time you are tempted to react in the same old way, ask yourself if you want to be a prisoner of the past or a pioneer of the future.

Deepak Chopra

[dailyjoejonasgifs]

JOE JONAS

The Tour (2023)

[mangocheesecakes]

the scammer @/rescueplease has now been deleted, but since a lot of people are still reblogging my posts about it, i'm changing my pinned post to a list of currently active scam accounts

scammers with the same m.o., sometimes similar profile pics and linktrees/paypal addresses:

> numberonegoateeeagle (paypal name 'Jeff Owino') new

> nour-samr (paypal name 'Nour Samar') >> nour-samr0 new/remake

scammer pretending to be a sick Black person, using the paypal name, 'Alafred Opondo'

> enchantingqueencreator

the 'insulin scammer''s latest blog (at least i think it's their latest blog:

> fancycoffeepeanut

empty blogs who are mass-reblogging the scam posts and are likely just the scammers sock puppet accounts used to pad the notes of their posts, pls block them too:

> chopra-79

> futuristicphilosopherartisan new

deleted/deactivated/changed url:

maina-3

immariaanszz >> iammarinassaa >> iammarinassaass

jovialsuitdonutai (paypal name 'jeff owino')

khalilhan (paypal name 'samuel obiya') >> khaliilhan

marylinfwaznassar (paypal name 'maryline lucy')

stickytreephilosopher (paypal name 'jeff owino')

perfectlyminiatureface (paypal name 'jeff owino')

optimisticalpacalady (paypal 'jeff owino')

omarkhalini (paypal 'fred odhiambo')

marylinefwaznassar (paypal 'maryline lucy')

khalilhani (paypal 'samuel obiya')

weepingpersondestiny (paypal 'jeff owino')

as always, please block and report these blogs, and more importantly, warn your friends, mutuals, and followers if you see them reblogging their scam posts. if you see a donation post/blog that you believe may be a scam, please do look their url up first on the tumblr search bar to see if someone has already called them out. i will try to update this post with the scammers' new accounts/url as we discover them. please also go to @kyra45's blog, as they are faster and more thorough in updating about newly discovered scams.

some red flags to look out for before sharing donation posts/donating:

new blog, or a couple years old but has only a few random, sporadic posts

backdated posts

spamming asks to a lot of other users, even the ones they don't know or have just followed, and even when the user has made it clear they don't want to receive requests to boost dono posts

is asking you to answer their asks privately, or is sending you a message directly

is straight up asking you for money, and usually for impossibly large amounts

do not put their paypal/money transfer links on their post itself, usually claiming it's to protect their 'privacy'

is using Zelle for their money transfer account, especially if the person is claiming to be in Palestine

please don't be so quick to entertain donation requests and to give away your money, especially if the user ticks a lot of these boxes. if you are familiar with the place they say they are from or the language they are supposed to speak, try conversing with them for a bit to see if their claims would hold. you can also browse my 'donation scam' tag or kyra45's blog to compare if the user has any similarities with past scammers that we've discovered.

that's it po. let's all try our best to look out for each other and make sure that our resources are going to the actual people in need, especially in the case of Palestinians asking for help. the last thing they need right now is for shitty lowlifes to use their suffering to make a profit.

[quotefeeling]

Every time you are tempted to react in the same old way, ask yourself if you want to be a prisoner of the past or a pioneer of the future.

Deepak Chopra

[thoughtkick]

To make the right choices in life you need to get in touch with your soul. To do this, you need to experience solitude, which most people are afraid of.

Deepak Chopra

[rahuvianprincess666]

the girlies with guns ୨ৎ

[perfectfeelings]

Be happy for no reason, like a child. If you are happy for a reason, you’re in trouble, because that reason can be taken from you.

Deepak Chopra

[365filmsbyauroranocte]

Smooth Talk (Joyce Chopra, 1985)

[quotemadness]

The most creative act you will ever undertake is the act of creating yourself.

Deepak Chopra