#10/7/06
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Instagram story by mikeyway
[Sep 27, 2024]
#mikey way#gw#fi#rt#whole gang#bob bryar#mcr#forbes#spike tv#rock sound#la dodgers#award show#return#bp#ig#ig story#2024#sep 2024#9/27/24#2006#oct 2006#10/7/06#la#scream awards#scream awards 2006#teenagers#song: teenagers#photo#vid#originals
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Every instance of One I could find in the new episode!!!
#if i missed any add em! i wanna see! the number!#oh here are the timestamps#4:05#4:17#7:11#9:38#10:12#12:26#14:06#21:22#24:10#29:23#tpot#the power of two#one tpot#one the power of two#tpot one#wait. isnt that just the episode title#hhg#tpot ten#tpot 10#tpot 10 spoilers#tpot ten spoilers
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If two asks is okay, Math Nerd please!
7/10/24 WIP Wednesday (Closed) | Math Nerd AU
“How tall is he?”
“He’s shorter than me.”
“What does he drive?”
“A car but I’m assuming you meant what kind of car. He has a few but the Maserati was his favorite.”
#Math Nerd AU#AFTG#AFTG AU#Andrew Minyard#Neil Josten#Math Nerd - Crush - 06#7-10-24 WIP Wednesday#WIP Wednesday Ask Game#38
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Okay I'm a bit late, but I'm still gonna use reunification day as an excuse to show my absolutely favourite video about germany/germans. I am gripping your shoulders and directly looking into your eyes. Please watch it.
#rains rants#german stuff#top tier video#11/10#it's so fucking funny please#7 minutes late it's 00:06 here😔 it took me a bit to search for this video in my defense#because I was stupid and didn't save it anywhere
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“Road to Halloween” [Panels 7-12]
The Princess is late, but can her friends save the day? (Part 2 of 6) Prompts: "I can't wait for you." "Do you recognize this?" "Give me that, before anything happens." "I wouldn't do that if I were you." "It's alright, I'm here now."
Fictober Submission #02 Fandom: Midnight Cinderella Featuring: Nico Meier, Albert Burckhardt, The Princess Warnings: None Rating/Genre: General Audience, Comedy, Adventure Writer/Illustrator: Princess Destiny (@destinyumechan)
#Fictober23#Midnight Cinderella#fanfiction#6#7#8#9#10#Nico Meier#Albert Burckhardt#MidCin#Kingdom of Wysteria#KOW Writer Project#イケメン王宮#Prompts 06-10
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CANNOT BELIEVE I FORGOT THE DUKE OF SOLEANNA WHEN I WAS TALKING ABOUT TERRIBLE DADS IN SONIC.
#oh noo i accidentally split solaris in two and unleashed them upon the world however will i fix this.#Oh i know ill just seal the fire god into my 7 year old daughter who had nothing to do with any of this#and make her repress her emotions for 10 years. that sounds like a perfectly reasonable thing to do#< at least i think thats what happens i havent actually sat down adn watched all the sonic 06 cutscenes in a while#sally *handshake emoji* archie knuckles *handshake emoji* shadow *handshake emoji* elise#worst dad ever
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I’m scared for tomorrow
#6 am….. mcr…….#I get on the bus around 6:05-6:10#You guys us should’ve seen me at school today#I was shaking and couldn’t talk about anything other than Gerard’s outfit#I literally saw a few pictures at 7:06 then got to school at 7:15#im gonna be worse tomorrow I just know it#Victor Speaks
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I solved Tesla's intriguing numbers 3, 6, and 9
#Tesla numbers enigma#3#6#9#369 in gimetria= 2006#God's Jehovah יהוה = 26 in gimetria#wow so 369= 2006 in gimetria.#2006 gimetia do not count the zeros#zero is nothing in gimetria#but you can absolutely used nothing in order to find everything#2006=20-06= 14= hand ✋🏼#Here we got an answer God's hand#1+1=2+2=4+4=8+8=16#1+6=7+7=14= 1+4=5+5=10=1+0=1#3+3=6+6=12=1+2=3 🔁#6+6=12=1+3=3+3=6 🔁#9+9=18=1+8=9 🔁#9 standing by itself#after9 comes 3&6 to stand by themselves#then all rest of the number so lets add all the three groups#1+2+4+5+7+8=27= 9+9+9 or & 2+7=9#second grop 3+6=9#third is 9 by itself#so 9+9+9=27#my name is Tovi or Tobi same same in Hebrew= 27= טובי#perhaps it revealed the name of the one whom discovered that enigma#God's hand ✋🏼
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A Guide to Historically Accurate Regency-Era Names
I recently received a message from a historical romance writer asking if I knew any good resources for finding historically accurate Regency-era names for their characters.
Not knowing any off the top of my head, I dug around online a bit and found there really isn’t much out there. The vast majority of search results were Buzzfeed-style listicles which range from accurate-adjacent to really, really, really bad.
I did find a few blog posts with fairly decent name lists, but noticed that even these have very little indication as to each name’s relative popularity as those statistical breakdowns really don't exist.
I began writing up a response with this information, but then I (being a research addict who was currently snowed in after a blizzard) thought hey - if there aren’t any good resources out there why not make one myself?
As I lacked any compiled data to work from, I had to do my own data wrangling on this project. Due to this fact, I limited the scope to what I thought would be the most useful for writers who focus on this era, namely - people of a marriageable age living in the wealthiest areas of London.
So with this in mind - I went through period records and compiled the names of 25,000 couples who were married in the City of Westminster (which includes Mayfair, St. James and Hyde Park) between 1804 to 1821.
So let’s see what all that data tells us…
To begin - I think it’s hard for us in the modern world with our wide and varied abundance of first names to conceive of just how POPULAR popular names of the past were.
If you were to take a modern sample of 25-year-old (born in 1998) American women, the most common name would be Emily with 1.35% of the total population. If you were to add the next four most popular names (Hannah, Samantha, Sarah and Ashley) these top five names would bring you to 5.5% of the total population. (source: Social Security Administration)
If you were to do the same survey in Regency London - the most common name would be Mary with 19.2% of the population. Add the next four most popular names (Elizabeth, Ann, Sarah and Jane) and with just 5 names you would have covered 62% of all women.
To hit 62% of the population in the modern survey it would take the top 400 names.
The top five Regency men’s names (John, William, Thomas, James and George) have nearly identical statistics as the women’s names.
I struggled for the better part of a week with how to present my findings, as a big list in alphabetical order really fails to get across the popularity factor and also isn’t the most tumblr-compatible format. And then my YouTube homepage recommended a random video of someone ranking all the books they’d read last year - and so I present…
The Regency Name Popularity Tier List
The Tiers
S+ - 10% of the population or greater. There is no modern equivalent to this level of popularity. 52% of the population had one of these 7 names.
S - 2-10%. There is still no modern equivalent to this level of popularity. Names in this percentage range in the past have included Mary and William in the 1880s and Jennifer in the late 1970s (topped out at 4%).
A - 1-2%. The top five modern names usually fall in this range. Kids with these names would probably include their last initial in class to avoid confusion. (1998 examples: Emily, Sarah, Ashley, Michael, Christopher, Brandon.)
B - .3-1%. Very common names. Would fall in the top 50 modern names. You would most likely know at least 1 person with these names. (1998 examples: Jessica, Megan, Allison, Justin, Ryan, Eric)
C - .17-.3%. Common names. Would fall in the modern top 100. You would probably know someone with these names, or at least know of them. (1998 examples: Chloe, Grace, Vanessa, Sean, Spencer, Seth)
D - .06-.17%. Less common names. In the modern top 250. You may not personally know someone with these names, but you’re aware of them. (1998 examples: Faith, Cassidy, Summer, Griffin, Dustin, Colby)
E - .02-.06%. Uncommon names. You’re aware these are names, but they are not common. Unusual enough they may be remarked upon. (1998 examples: Calista, Skye, Precious, Fabian, Justice, Lorenzo)
F - .01-.02%. Rare names. You may have heard of these names, but you probably don’t know anyone with one. Extremely unusual, and would likely be remarked upon. (1998 examples: Emerald, Lourdes, Serenity, Dario, Tavian, Adonis)
G - Very rare names. There are only a handful of people with these names in the entire country. You’ve never met anyone with this name.
H - Virtually non-existent. Names that theoretically could have existed in the Regency period (their original source pre-dates the early 19th century) but I found fewer than five (and often no) period examples of them being used in Regency England. (Example names taken from romance novels and online Regency name lists.)
Just to once again reinforce how POPULAR popular names were before we get to the tier lists - statistically, in a ballroom of 100 people in Regency London: 80 would have names from tiers S+/S. An additional 15 people would have names from tiers A/B and C. 4 of the remaining 5 would have names from D/E. Only one would have a name from below tier E.
Women's Names
S+ Mary, Elizabeth, Ann, Sarah
S - Jane, Mary Ann+, Hannah, Susannah, Margaret, Catherine, Martha, Charlotte, Maria
A - Frances, Harriet, Sophia, Eleanor, Rebecca
B - Alice, Amelia, Bridget~, Caroline, Eliza, Esther, Isabella, Louisa, Lucy, Lydia, Phoebe, Rachel, Susan
C - Ellen, Fanny*, Grace, Henrietta, Hester, Jemima, Matilda, Priscilla
D - Abigail, Agnes, Amy, Augusta, Barbara, Betsy*, Betty*, Cecilia, Christiana, Clarissa, Deborah, Diana, Dinah, Dorothy, Emily, Emma, Georgiana, Helen, Janet^, Joanna, Johanna, Judith, Julia, Kezia, Kitty*, Letitia, Nancy*, Ruth, Winifred>
E - Arabella, Celia, Charity, Clara, Cordelia, Dorcas, Eve, Georgina, Honor, Honora, Jennet^, Jessie*^, Joan, Joyce, Juliana, Juliet, Lavinia, Leah, Margery, Marian, Marianne, Marie, Mercy, Miriam, Naomi, Patience, Penelope, Philadelphia, Phillis, Prudence, Rhoda, Rosanna, Rose, Rosetta, Rosina, Sabina, Selina, Sylvia, Theodosia, Theresa
F - (selected) Alicia, Bethia, Euphemia, Frederica, Helena, Leonora, Mariana, Millicent, Mirah, Olivia, Philippa, Rosamund, Sybella, Tabitha, Temperance, Theophila, Thomasin, Tryphena, Ursula, Virtue, Wilhelmina
G - (selected) Adelaide, Alethia, Angelina, Cassandra, Cherry, Constance, Delilah, Dorinda, Drusilla, Eva, Happy, Jessica, Josephine, Laura, Minerva, Octavia, Parthenia, Theodora, Violet, Zipporah
H - Alberta, Alexandra, Amber, Ashley, Calliope, Calpurnia, Chloe, Cressida, Cynthia, Daisy, Daphne, Elaine, Eloise, Estella, Lilian, Lilias, Francesca, Gabriella, Genevieve, Gwendoline, Hermione, Hyacinth, Inez, Iris, Kathleen, Madeline, Maude, Melody, Portia, Seabright, Seraphina, Sienna, Verity
Men's Names
S+ John, William, Thomas
S - James, George, Joseph, Richard, Robert, Charles, Henry, Edward, Samuel
A - Benjamin, (Mother’s/Grandmother’s maiden name used as first name)#
B - Alexander^, Andrew, Daniel, David>, Edmund, Francis, Frederick, Isaac, Matthew, Michael, Patrick~, Peter, Philip, Stephen, Timothy
C - Abraham, Anthony, Christopher, Hugh>, Jeremiah, Jonathan, Nathaniel, Walter
D - Adam, Arthur, Bartholomew, Cornelius, Dennis, Evan>, Jacob, Job, Josiah, Joshua, Lawrence, Lewis, Luke, Mark, Martin, Moses, Nicholas, Owen>, Paul, Ralph, Simon
E - Aaron, Alfred, Allen, Ambrose, Amos, Archibald, Augustin, Augustus, Barnard, Barney, Bernard, Bryan, Caleb, Christian, Clement, Colin, Duncan^, Ebenezer, Edwin, Emanuel, Felix, Gabriel, Gerard, Gilbert, Giles, Griffith, Harry*, Herbert, Humphrey, Israel, Jabez, Jesse, Joel, Jonas, Lancelot, Matthias, Maurice, Miles, Oliver, Rees, Reuben, Roger, Rowland, Solomon, Theophilus, Valentine, Zachariah
F - (selected) Abel, Barnabus, Benedict, Connor, Elijah, Ernest, Gideon, Godfrey, Gregory, Hector, Horace, Horatio, Isaiah, Jasper, Levi, Marmaduke, Noah, Percival, Shadrach, Vincent
G - (selected) Albion, Darius, Christmas, Cleophas, Enoch, Ethelbert, Gavin, Griffin, Hercules, Hugo, Innocent, Justin, Maximilian, Methuselah, Peregrine, Phineas, Roland, Sebastian, Sylvester, Theodore, Titus, Zephaniah
H - Albinus, Americus, Cassian, Dominic, Eric, Milo, Rollo, Trevor, Tristan, Waldo, Xavier
# Men were sometimes given a family surname (most often their mother's or grandmother's maiden name) as their first name - the most famous example of this being Fitzwilliam Darcy. If you were to combine all surname-based first names as a single 'name' this is where the practice would rank.
*Rank as a given name, not a nickname
+If you count Mary Ann as a separate name from Mary - Mary would remain in S+ even without the Mary Anns included
~Primarily used by people of Irish descent
^Primarily used by people of Scottish descent
>Primarily used by people of Welsh descent
I was going to continue on and write about why Regency-era first names were so uniform, discuss historically accurate surnames, nicknames, and include a little guide to finding 'unique' names that are still historically accurate - but this post is already very, very long, so that will have to wait for a later date.
If anyone has any questions/comments/clarifications in the meantime feel free to message me.
Methodology notes: All data is from marriage records covering six parishes in the City of Westminster between 1804 and 1821. The total sample size was 50,950 individuals.
I chose marriage records rather than births/baptisms as I wanted to focus on individuals who were adults during the Regency era rather than newborns. I think many people make the mistake when researching historical names by using baby name data for the year their story takes place rather than 20 to 30 years prior, and I wanted to avoid that. If you are writing a story that takes place in 1930 you don’t want to research the top names for 1930, you need to be looking at 1910 or earlier if you are naming adult characters.
I combined (for my own sanity) names that are pronounced identically but have minor spelling differences: i.e. the data for Catherine also includes Catharines and Katherines, Susannah includes Susannas, Phoebe includes Phebes, etc.
The compound 'Mother's/Grandmother's maiden name used as first name' designation is an educated guesstimate based on what I recognized as known surnames, as I do not hate myself enough to go through 25,000+ individuals and confirm their mother's maiden names. So if the tally includes any individuals who just happened to be named Fitzroy/Hastings/Townsend/etc. because their parents liked the sound of it and not due to any familial relations - my bad.
I did a small comparative survey of 5,000 individuals in several rural communities in Rutland and Staffordshire (chosen because they had the cleanest data I could find and I was lazy) to see if there were any significant differences between urban and rural naming practices and found the results to be very similar. The most noticeable difference I observed was that the S+ tier names were even MORE popular in rural areas than in London. In Rutland between 1810 and 1820 Elizabeths comprised 21.4% of all brides vs. 15.3% in the London survey. All other S+ names also saw increases of between 1% and 6%. I also observed that the rural communities I surveyed saw a small, but noticeable and fairly consistent, increase in the use of names with Biblical origins.
Sources of the records I used for my survey:
Ancestry.com. England & Wales Marriages, 1538-1988 [database on-line].
Ancestry.com. Westminster, London, England, Church of England Marriages and Banns, 1754-1935 [database on-line].
#history#regency#1800s#1810s#names#london#writing resources#regency romance#jane austen#bridgerton#bridgerton would be an exponentially better show if daphne's name was dorcas#behold - the reason i haven't posted in three weeks
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They are so cute I can’t
[ID: two panels from Trigun Maximum. The first shows two fat babies lying in makeshift cribs created by folding blankets in adult-sized scifi pods of some sort. The second panel shows those fat babies a little bigger, old enough to sit up on their own. Rem is feeding one messy baby with a spoon while the other looks on. Both babies have very little hair, but the one being has ever-so-slightly spikier hair, so might be Vash, although there's a fleck under the right eye that might be a mole, meaning it's Knives. End ID.]
After the immense emotional trauma of everything from Ryutsu Citadel on, seeing Vash and Knives as fat, happy little babies is IMMENSELY healing. Lookit how ROUND their lil heads are! I WANT TO CUDDLE THEM SO MUCH
#[trigunpostarchive]#[2023-06-10]#[2023-06]#[2023]#trigun#goddamn love a fat baby#rem! no! not the motherly side ponytail!#you're in a protagonist's backstory!#i mean we've known she's dead since like chapter 7 but that side ponytail is the moment you truly know she's doomed
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My Chemical Romance Climbs On Multiple Charts With Their Most Famous Releases
Hugh McIntyre Senior Contributor
Hugh McIntyre covers music, with a focus on the global charts.
Sep 26, 2024, 09:30am EDT
Full article under the cut:
LOS ANGELES, CA - OCTOBER 07: The band My Chemical Romance pose in the press room for Spike TV's "Scream Awards 2006" at the Pantages Theatre on October 7, 2006 in Los Angeles, California. My Chemical Romance's Three Cheers for Sweet Revenge and The Black Parade, along with the smash single "The Black Parade," are all rising on the U.K. charts this week. (Photo by Michael Buckner/Getty Images) GETTY IMAGES
My Chemical Romance reunited in 2019 after more than half a decade apart. In the years since then, the band has only delivered one new song, and fans are eager for more. While the world waits to hear from the emo outfit, their music is on the rise in terms of consumption, as people can’t get enough of the albums and songs that made them stars in the first place.
This week, across the pond, My Chemical Romance can be found on two different charts. They have several albums climbing, while one of their biggest singles mounts a comeback and immediately becomes a top 40 smash once more.
My Chemical Romance appears on the Official Rock & Metal Albums chart twice this frame. Their two most successful full-lengths are not just present, they are on the up-and-up, as they both manage to improve their standing from last week.
Three Cheers for Sweet Revenge pushes from No. 16 to No. 12 on the latest edition of the Official Rock & Metal Albums tally. The set nearly returns to the top 10, but for the moment, it will have to wait on doing so.
The Black Parade, meanwhile, almost cracked the top 20 again. That set, which remains their highest-rising on the main albums chart in both the U.K. and the U.S., surges from No. 24 to No. 21. It could soon re-enter that region, if fans continue to buy the years-old title.
Speaking of The Black Parade... The album’s lead single and title track is back on a similar ranking. “The Black Parade” reappears on the Official Rock & Metal Singles chart this week at No. 37.
All three of My Chemical Romance’s releases that are present on the U.K. charts this week have reached No. 1 on the lists they appear on. They have all spent hundreds of frames on their respective rosters, and they can regularly be found on the lists–though the fact that they have several albums and a song selling well enough to chart decades after their release is noteworthy.
#mikey way#gw#fi#rt#whole gang#mcr#forbes#spike tv#award show#return#bp#revenge#2024#sep 2024#9/26/24#2006#oct 2006#10/7/06#la#scream awards#scream awards 2006#hollywood pantages theater#text#photo#originals
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NO IDEA ☆ l.dh
pairing: loser!donghyuck x fem!reader
no idea synopsis: a story where both you and lee donghyuck seem to get what you want. he's the perfect pawn in making your ex-boyfriend jealous and the smarty pants tutor helping you pass your math class. donghyuck has it easy too, he's finally able to seek out and experience the world of dating through you, his long-devoted crush and surprisingly enthusiastic tutoring student. but then again, when meaningless tutoring sessions soon evolve into reciprocated feelings, is it really that easy?
genre: college au, nonidol au, fake dating au, social media au (includes written chapters), classmates to friends to lovers, he's a nerd & she's a popular cheerleader (you see where this is going), he fell first but she fell harder trope, kinda based off to all the boys i've loved before, fluff, crack/humor, angst, one-sided pining that turns into mutual pining
warnings: explicit language, unrealistic college partying, talks about family issues (this does NOT reflect any of the idol's families!), yuqi has an ex gf, some alcohol consumption, kys and sexual humor, bullying, hyuck and his buds are mistreated ☹️, hyunjin is a bad bf!!!, cheesy af, unrequited love, bad insults that sound like they're from the 2000s, HELLA miscommunication
no idea playlist: btr's no idea, taylor swift's you belong with me, the vamps + demi lovato's somebody to you, james arthur's can i be him, ariana grande's daydreamin, fitz & the tantrums' out of my league, shawn mendes' treat you better, bruno mars' just the way you are, lonely god's marlboro nights, the 1975's i'm in love with you, sam smith's like i can, arctic monkeys' wanna be yours
author's note: FIRST HYUCK SMAUU! how we feeling 😏 i needed to get this idea out of my system! plus, i love this type of trope, and haechan just fits the nerdy role 😭 I HAD TO! but happy reading :D <3
comment if you wish to be tagged for the story's updates!
profiles: "ncu freaks" + jeno 🤔 | gal pals & two men
intro. #manifestationiskey 🩷
ep 1. but a FAILING?
ep 2. i guess i'm her tutor
ep 3. WHY IS HE ATTRACTIVE
ep 4. COUGH y/n bag him COUGH
ep 5. i know i can treat youuu bettterr
ep 6. YNHYUCK PLOT IS FINALLY SAILING!
ep 7. bro texts with his 𝓯𝓻𝓮𝓪𝓴𝔂 𝓪𝓵𝓹𝓱𝓪 mode on 🐺👅
ep 8. bro fumbled HARD 🤦♂️
ep 9. LET THE BOY LIVE!! HES IN LOVE!!
ep 10. THE HARD LAUNCH GOES CRAZY
ep 11. lemme guess, fake boyfriend responsibilities? (written)
ep 12. jeno got me up... plotting
ep 13. AMAZING fake boyfriend
ep 14.
ep 15.
ep 16.
ep 17.
ep 18.
more to come. . .!
started: 09/06/24 finished:
© JIRSUNGS. ANY TRANSLATIONS/REPOSTS/PUBLISHES OF MY WORKS ON ANY PLATFORM ARE STRICTLY PROHIBITED! ALL COMMENTS, REBLOGS, LIKES, & FEEDBACK ARE GREATLY APPRECIATED! THANK YOU SO MUCH! I LOVE YOU, MWA! <3
#nct dream imagines#nct dream smau#nct dream texts#nct imagines#nct smau#haechan fluff#haechan smau#lee haechan smau#haechan fake texts#nct haechan#nct 127 smau#nct 127 scenarios#nct texts#lee donghyuck smau#lee donghyuck fluff#haechan texts#nct 127 texts#nct 127 fake texts#nct dream fake texts#haechan x reader#haechan x female reader#nct dream fluff#nct 127 imagines#nct dream scenarios#haechan imagines#haechan scenarios#kpop texts#nct dream x reader#nct fluff#kpop smau
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fluently freshman
7/10/24 WIP Wednesday (Closed) | Fluent Freshman FD 24 (1/5)
All Smith can think about as they head down the stairs, is the first SAW movie.
That one happened in a bathroom, right? He had watched all of them in a row - and not necessarily in order - to prepare himself for whatever Andrew might decide to do to him. Still, he’s near positive that one happened in a bathroom. It was derelict and it lacked running water-
Or did it? Didn’t the guy wake up in a half-full tub? His memory is hazy, as his bathroom related desperation has rendered him unable to think about most liquids to try and protect his bladder.
#Fluent Freshman AU#Fluent Freshman AU FD#AFTG#AFTG AU#AFTG OC#FF AU FD - Chapter 24 - 01#7-10-24 WIP Wednesday#WIP Wednesday Ask Game#06
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playing sonic 06 should be legally classified as torture
#it’s no use#it’s all I can hear#worst game I ever played#I rate it 7/10#sonic the hedgehog#sonic#sth#sonic 06#sonic 2006
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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
#pluralistic#cfpb#consumer finance protection board#rohit chopra#scotus#bnpl#buy now pay later#repeat corporate offenders#fine print deception#whistleblowing#elizabeth warren
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【猛虎 / Mouko】リリでトレジャーモード攻略10 / TEKKEN™7 Lili Captures Treasure Mode part10
#youtube#リリ tekken7 鉄拳7 lili プレイヤー ヤクバハイル rohisatoh50 鉄拳7でのトレジャーモードをリリで攻略していきます。その10。 【目次】 00:00 - ローディング 00:06 - レオ(LEO)戦(勝ち) 01:56 - ミゲ
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