WATCH: Warren to bank regulator: "Did you have your eyes stitched closed?" 6APR16

+Senator Elizabeth Warren D MA has spent her political career working for, fighting for the poor and working and middle classes. Sen Warren is responsible for the establishment of the CFPB / Consumer Financial Protection Bureau and has to fight ever year to make sure it is not weakened by republican budget cuts and by republican legislation intended to lessen it's regulatory authority. Sen ted cruz r TX, republican presidential primary candidate wants to shut the CFPB down because citibank was fined $700 million for deceptive practices. She is not intimidated by anyone, is fearless when standing up for the American people. Watch this video of Sen Warren taking on a bank regulator for failing to do his job and playing a decisive role in allowing the 2008 recession to happen. Since Sen Warren decided not to run for president this year we need to keep hr in the US Senate. Click the link to donate to her campaign. From the +BoldProgressives /PCCC.....

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This video of Elizabeth Warren roasting a bank regulator who refused to regulate banks has been viewed over a million times since yesterday afternoon. The regulator's failure has been cited as a "prime example" of the hands-off regulatory approach that led to the economic collapse in 2008.

If all Democrats were like Elizabeth Warren, people would think of Republicans the way they think of muskets and cotton gins -- things they've read about but never actually seen outside of a museum.

Watch Elizabeth Warren lead Democrats by example -- showing what Democrats are supposed to do! Then, chip in $3 to Elizabeth Warren's next re-election campaign.

Republicans tried to use this hearing to show that regulating banks costs too much. Elizabeth Warren turned that on its head, opening her questions saying, "I want to focus on the other side of the equation, and that is the cost to American families of failing to regulate."

Senator Elizabeth Warren at Banking Hearing on Consumer Finance Regulations

Published on Apr 5, 2016

Senator Elizabeth Warren's Q&A at an April 5, 2016 Senate Banking Committee hearing titled, "Assessing the Effects of Consumer Finance Regulations."

More information about the hearing is available at http://1.usa.gov/1S2V1sQ.

Thanks for being a bold progressive.

-- Keith Rouda, PCCC organizer

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Want to support the Warren wing? Senator Elizabeth Warren says, "When PCCC members donate millions in small-dollar donations and make millions of phone calls for progressive candidates, leaders in Washington, they take notice." Chip in $3 here.

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Mission: Destroy Democracy - SumOfUs.org responds 22SEP13

I like SumOfUS.org , they are a small, bold progressive group that uses social media to challenge the greed of corporate America and promote social justice issues. They choose their campaigns wisely and provide the information and tools necessary for the progressive community to participate. Click the link above to go to their website and if you can make a donation, I did. Here is a bit about them....

Welcome to SumOfUs

SumOfUs.org is a new world-wide movement for a better global economy.

Here’s what we stand for:

• Governments that answer to citizens – not corporations
• Fair treatment of workers and the right of every human being to make a living, safely and ethically, for themselves and their family;

The right of ordinary consumers to products that are produced and marketed ethically, sustainably and transparently;

• The right of communities to manage and protect their own environment and natural resources;
• Business models that put people and the planet first instead of being driven by shortsighted greed.

Yeah, take that deep breath, close your eyes and imagine what kind of a world that could be – and then crash back to this one.

We’ve witnessed again and again what happens when powerful corporations get their way:

• Environmental and health catastrophes like Fukushima and the BP oil disaster;
• A global financial crisis that destroys entire economies;
• Rising food prices and starving children;
• Families from Kalamazoo to Timbuktu losing their houses and land;
• Poisons pouring into our air and water.

You name it, corporations are behind it. But rather than being held accountable – their CEOs are often walking away with bonuses. And these injustices are largely left to continue unabated.

But the world doesn’t have to be this way. And here’s the secret: We own the corporations that are causing all these problems. They rely on us to buy their products. They count on us to buy their stock. They need us to work for them. They need us to continue to elect governments that let them get away with murder.

We are SumOfUs.org, and we’re not going to take it anymore.

GLADE STINKS: Dirty Secrets Test Results 8JUN13

HERE is a bit of information about common household cleaners and their ingredients which may cause problems for you and your family when you use them in your home. It is followed by a petition campaign to get the maker of glade, SC Johnson, to list all the ingredients in their products so consumers can make an intelligent choice about the products they are buying. From SumOfUs.....

Cleaning product companies aren’t required to disclose the ingredients they use in their products, and what they’re keeping secret from you could be hazardous to your health. Women’s Voices for the Earth (WVE) commissioned an independent laboratory to test twenty popular cleaning products for hidden toxic chemicals from five top companies: Clorox, Procter & Gamble, Reckitt Benckiser, SC Johnson and Son, and Sunshine Makers (Simple Green). We found reproductive toxins, carcinogens, hormone disruptors, and allergens, and none of these chemicals were listed on the product label.


Consumers deserve to know what chemicals they are being exposed to, so that they can easily avoid products that may cause allergic reactions or serious long-term health impacts like cancer, birth defects, or pregnancy complications. WVE is calling on Congress to pass new federal legislation that requires cleaning product manufacturers to disclose all the ingredients they use in their products directly on the product label.

Dirty Secrets Testing Results

__________________________________	_______________________	_____________________
Product Name	Chemical Detected	Health Concern*
__________________________________	_______________________	_____________________
Clorox
__________________________________	_______________________	_____________________
Clorox Green Works Natural Glass & Surface Cleaner Original Scent	Limonene	Allergies
__________________________________	______________________	____________________
Green Works Natural Laundry Detergent Original Scent	Limonene	Allergies
	DL-Citronellol	Allergies
__________________________________	______________________	_____________________
Clorox Clean-Up Cleaner with Bleach	Chloroform	Cancer
	Carbon tetrachloride	Cancer
	Limonene	Allergies
__________________________________	______________________	_____________________
Original Pine-Sol	Toluene	Pregnancy complications
	Limonene	Allergies
__________________________________	______________________	____________________
Procter & Gamble
__________________________________	_______________________	_____________________
Tide Original Scent	1,4-dioxane	Cancer
	Limonene	Allergies
__________________________________	______________________	_____________________
Tide Free & Gentle (fragrance free)	1,4-dioxane	Cancer
	Limonene	Allergies
__________________________________	______________________	____________________
Bounce with Febreze Fresh Scent Spring & Renewal	Limonene	Allergies
	DL-Citronellol	Allergies
	Linalool	Allergies
__________________________________	______________________	____________________
Bounce Free & Sensitive (fragrance free)	Limonene	Allergies
	Linalool	Allergies
	1,4-dioxane	Cancer
__________________________________	______________________	____________________
Febreze Air Effects Spring & Renewal	Linalool	Allergies
	Linalool	Allergies
	Galaxolide	Hormone disruption
__________________________________	_______________________	____________________
Reckitt Benckiser
__________________________________	_______________________	_____________________
Lysol Disinfectant Spray Spring Waterfall	Limonene	Allergies
	DL-Citronellol	Allergies
	Eugenol	Allergies
__________________________________	______________________	____________________
Lysol Neutra Air Fabric Mist Crisp Linen	Limonene	Allergies
	Linalool	Allergies
__________________________________	______________________	____________________
Air Wick Scented Oil Lavender & Chamomile	Limonene	Allergies
	Linalool	Allergies
	Eugenol	Allergies
	Coumarin	Allergies
__________________________________	______________________	_____________________
Air Wick Fresh Waters Air Freshener	Limonene	Allergies
	Linalool	Allergies
__________________________________	_______________________	____________________
SC Johnson & Son
__________________________________	_______________________	_____________________
Glade Plug In Scented Oil Hawaiian Breeze	Limonene	Allergies
	Linalool	Allergies
	Eugenol	Allergies
__________________________________	______________________	____________________
Glade Tough Odor Solutions w/Oust Refreshing Citrus Air Sanitizer	Dibutyl phthalate (DBP)	Reproductive harm, hormone disruption, neurodevelopment problems
	Bis (2-ethylhexyl) phthalate  (DEHP)	Reproductive harm, hormone disruption, neurodevelopment problems
	Diethyl phthalate (DEP)	Reproductive harm, hormone disruption
	Butyl benzyl phthalate (BBP)	Reproductive harm, hormone disruption
	Galaxolide	Hormone disruption
	Limonene	Allergies
	Linalool	Allergies
__________________________________	______________________	____________________
Pledge Furniture Spray Dust & Allergen Outdoor Fresh	Limonene	Allergies
	DL-Citronellol	Allergies
__________________________________	______________________	____________________
Pledge Multi-Surface Everyday Cleaner Fragrance Free Hypoallergenic	None	N/A
__________________________________	______________________	____________________
Windex Original	Limonene	Allergies
	Linalool	Allergies
__________________________________	______________________	____________________
Sunshine Makers
__________________________________	_______________________	_____________________
Simple Green All-Purpose Cleaner Non-Toxic Biodegradable	Toluene	Pregnancy complications
	Limonene	Allergies
__________________________________	______________________	____________________
Simple Green Naturals Multi-Surface Care Lemon Verbena	Bis (2-ethylhexyl) phthalate  (DEHP)	Reproductive harm, hormone disruption, neurodevelopment problems
	1,4-dioxane	Cancer
	Limonene	Allergies
	Linalool	Allergies
__________________________________	_______________________	_____________________

*Health concerns listed are those which have been determined in the scientific literature through exposure to the chemical listed, by at least one route of exposure: inhalation, ingestion or skin absorption. In most cases, research has never been conducted to determine if exposure to the chemical through use of the cleaning product is associated with the health outcome.

Download this fact sheet

See the full report Dirty Secrets

Fact Sheets

• Hidden Hazards in the Nursery »
• Dirty Secrets Test Results »
• Household Cleaning Products: What Every Woman Should Know »
• Asthma and Respiratory Disorders »
• Reproductive Harm »
• What You Can Do: 7 Simple Steps to Reduce Your Exposure »
• Disinfectant Overkill Fact Sheet »
• Room-by-Room Chart for Reducing Exposure »
• What’s That Smell Fact Sheet »

Non-Toxic DIY Recipes »

Take Action »

http://www.womensvoices.org/science/fact-sheets/dirty-secrets/

GLADE STINKS

Glade stinks -- and it's not just the smell. SC Johnson, Glade's parent company, is refusing to disclose the chemicals in each of its products. Tell Glade to stop hiding chemicals in its products.

Something about the massive fragrance brand Glade stinks. Although Glade’s sprays, candles, and air fresheners are marketed as clean and refreshing, independent investigations have showed that Glade products contain secret, potentially toxic chemicals.

When health advocates Women’s Voices for the Earth commissioned an independent lab to test Glade for toxins, they found chemicals that have been linked to allergic reactions, birth defects, and increased risk of breast cancer. We know Glade uses synthetic musks that build up in the body over time, andultimately show up in blood and breast milk. Other companies, like Chlorox and the makers of Lysol have dropped these ingredients, but not Glade -- and we don't even know what else might be lurking in Glade fragrances.

In the United States, manufacturers aren’t required to label the ingredients of fragrances, so most don’t. That means consumers can’t avoid fragrances that contain unhealthy chemicals and allergens, like those found in many Glade products.

Tell the makers of Glade to stop keeping secrets and let consumers know what chemicals are in its fragrances.

S.C. Johnson, the massive chemical conglomerate that owns Glade, likes to brag that it’s committed to honesty and transparency. But it only discloses the contents of its fragrances in a single online master list with over 1,500 ingredients. That master list includes scary ingredients like petroleum -- but it doesn't say which chemicals appear in which products! Consumers have no way of knowing which products to avoid if they have allergies or small children, or if they simply want to shy away from toxins.

In the European Union, where disclosure rules are stricter, Glade products already have labels about their ingredients, so we know that the makers of Glade could easily be more transparent. But it’s chosen to keep customers in the U.S. in the dark.

Glade recently responded to consumer complaints about its lack of transparency, but it simply reiterated what its policies are. It didn't address the basic issue: when we buy Glade products, we don't know what we're getting. Glade dodged a handful of complaints, but if thousands of us speak out together, it will have to get serious. S.C. Johnson wants to be seen as a leader on transparency, and this is its chance to live up to that billing. By labeling potentially harmful ingredients in Glade products, it can help set a new standard in the fragrance industry.

Click here to demand that Glade disclose its fragrance ingredients.

Thanks,

Rob, Kaytee, and the rest of us

*********

More Information:

Women's Voices for the Earth, Dirty Secrets test results 

ELIZABETH WARREN FOR SENATE!!!! 8SEP11

VIDEO of Elizabeth Warren at the Greater Boston Labor Day breakfast. This lady is a BOLD PROGRESSIVE and we need to elect her to the Senate!!!

Has Elizabeth Warren Won Over the Banks? 6MAI11

THE appointment of Elizabeth Warren to head the CFPB, and her approval by the Senate will be one of the shinning moments of the Obama administration because it will be an example of government doing what is needed for the people and the banking industry without the influence of of politics. Elizabeth Warren is nobody's puppet, she is actually committed to doing the best she possibly can for the nation. Oh that her morals and courage and commitment could be cloned!!!! From Mother Jones....

James Berglie/Zuma

Industry reps who once thought she was "akin to the Antichrist" now can't stop praising the consumer protection chief. What gives?

— By Andy Kroll

On her first day running the new Consumer Financial Protection Bureau (CFPB), Elizabeth Warren met with a group of bankers from her home state, Oklahoma. Going into that meeting, Roger Beverage, president of the Oklahoma Bankers Association, feared the havoc Warren, who had developed a reputation as a fierce consumer champion, would soon wreak upon his state's banks. He and his colleagues in the banking industry, he recalls, "had this vision that she was akin to the Antichrist."
Today, Beverage considers himself a Warren convert. He openly praises Warren—who was appointed by the White House to get the bureau up and running but has not been nominated to head it—saying she is "far and away" the most qualified person to become the bureau's permanent director. "Ms. Warren has demonstrated that she is willing to work as hard as possible for the benefit of consumers, consumers' families, and community banks," Beverage says. "She would be an outstanding director, and I have encouraged both of our US senators to look past political rhetoric and look at what the woman has done."
Beverage's reversal reflects a noticeable thaw in relations between Warren and parts of the banking industry. This week, Camden Fine, president and CEO of the influential Independent Community Bankers Association, told a gathering of 1,000 bankers that the odds Obama would nominate Warren were "better than even," later remarking to American Banker that "you would have to look favorably on a [Warren] nomination because clearly she understands our model." Frank Keating, the head of the American Bankers Association, told a reporter that the ABA would support Warren if she were confirmed as CFPB director by the Senate. And Robert Palmer, who heads the Community Bankers Association of Ohio, captured the mood of small banks when he told Bloomberg Businessweek that if Warren "leaves, and the direction changes, we're not going to be very receptive."

While Warren's nomination was too-toxic-to-touch mere months ago, the momentum of the past few weeks could be enough to convince the White House to tap her for the job. Whomever Obama picks, he'll need to do it soon: The deadline for having a permanent CFPB director in place is July 21, according to the Dodd-Frank financial reform law. But no matter who the nominee is, he or she faces massive opposition in Congress, with Republicans maneuvering to block not just Warren but any CFPB nominee if their demands to weaken the bureau are not met.
The warming to Warren is due, in large part, to a months-long outreach campaign aimed at members of the banking industry. According to calendars posted on the CFPB's website, Warren's schedule has included 150 appointments with industry officials since her first day in September—phone calls, in-person meetings, industry conference speeches, even visits to local bank branches. She's spoken with everyone from Bank of America CEO Brian Moynihan to the head of the American Bankers Association to community bankers in states from Maine to Texas.
The charm offensive appears to be paying off—and at precisely the right time.
Michael Grant, president of the National Bankers Association, which represents more than 100 minority- and women-owned banks throughout the country, is another fan. He met with Warren in February and says he would support her as the nominee to run the CFPB because of her "genuine concern for protecting the rights for consumers and for her appreciation of the role banks play in the financial infrastructure of this country." Grant adds, "She's a win-win both for our industry and for the consumer if she is nominated and made permanent chief."
Paul Hickman, president and CEO of the Arizona Bankers Association, says he, too, came away impressed after he and a group of Arizona bankers and business leaders met with Warren in Washington. A former staffer for Sen. John McCain (R-Ariz.), Hickman says Warren went a long way toward allaying the industry's fears of a consumer bureau run amok that would slap banks with new regulations and bury them in paperwork. "I thought Elizabeth Warren did a really good job of letting the members of that meeting know, and the business people of Arizona know, that her mission was not to somehow suppress community banks," Hickman recalls.
But for some state banking chiefs, Warren's outreach has changed their mind about her but not about the CFPB itself. George Beattie, president and CEO of the Nebraska Bankers Association, told Mother Jones last fall that, in his view, Warren simply didn't understand community banks. Today, he's more positive about Warren, noting her "better appreciation for what banks in this country do for their communities." He worries more about having a single director run the CFPB, whether that's Warren or not. Beattie says he'd prefer a panel of directors run the bureau, like the Securities and Exchange Commission, though he ultimately thinks the bureau should be scrapped altogether. "The congress has created an exceedingly strong governmental agency with little oversight," he says. "I think that's a bad thing for this country regardless of who runs it."
House Republicans agree with Beattie. On Thursday, a House financial services subcommittee passed a trio of bills that would replace the single director with a bipartisan five-person commission, give a separate council of financial regulators veto power on new regulations by the bureau, and restrict the CFPB's power until the Senate confirms Obama's nominee to be director. So, too, do Senate Republicans. Earlier this week, they sent a letter to Obama saying they'd oppose any CFPB nominee until the bureau's power was scaled back.
To be sure, huge hurdles remain between Warren and the nomination. Republicans in Congress almost universally oppose her nomination. (She has, however, earned tepid praise in the past from Senate GOPers including Chuck Grassley of Iowa and Bob Corker of Tennessee.) At this point, Senate GOPers appear to willing to do anything to undermine the CFPB and prevent a strong consumer advocate like Warren from becoming its director, and it's becoming increasingly difficult to see how GOPers' demands will be met and a nominee confirmed before the July deadline. And of course on Wall Street, she has no shortage of enemies among the nation's largest banks.
But even if Warren only wins over some bankers and not others, leaving the industry conflicted on her nomination, that could actually be a victory. "There was universal opposition to Dodd-Frank," says a person who's worked closely with Warren in the past. "There was universal opposition to Warren getting the bureau started. At the end of the day, if the banking industry is fractured on her nomination, that's just fine."

Andy Kroll is a reporter at Mother Jones. For more of his stories, click here. Email him with tips and insights at akroll (at) motherjones (dot) com. Follow him on Twitter here. Get Andy Kroll's RSS feed.

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Elizabeth Warren Assistant to the President and Special Advisor to the Secretary of the Treasury on the Consumer Financial Protection Bureau New Consumer Agency Is Frightfully Necessary -- And Late 29DEZ10

IF there is one person in the government that has earned the total trust of average Americans it is Elizabeth Warren......and her is what she has to say on the latest foreclosure news and the Consumer Financial Protection Bureau....
No one has missed the headlines: Haphazard and possibly illegal practices at mortgage-servicing companies have called into question home foreclosures across the nation.
The latest disclosures are deeply troubling, but they should not come as a big surprise. For years, both individual homeowners and consumer advocates sounded alarms that foreclosure processes were riddled with problems.
While federal and state investigators are still examining exactly what has gone wrong and why, two things are clear.
First, several financial services companies have already admitted that they used "robo-signers," false declarations, and other workarounds to cut corners, creating a legal nightmare that will waste time and money that could have been better spent to help this economy recover. Mortgage lenders will spend millions of dollars retracing their steps, often with the same result that families who cannot pay will lose their homes.
Second, this mess might well have been avoided if the Consumer Financial Protection Bureau had been in place just a few years ago.
The new consumer agency is one of the signature accomplishments of the Dodd-Frank Wall Street Reform and Consumer Protection Act signed into law by President Obama this summer.
The new agency will take on oversight responsibilities that had been scattered among several federal agencies, and it will be a new cop on the beat that will end big loopholes in the regulatory system.
For the first time, banks and non-bank lenders (such as payday lenders, check cashers and mortgage brokers) will be subject to the same federal oversight to ensure that they are all playing by the same rules-no more turning sideways and slipping through the regulatory cracks.
Lost in much of the back-and-forth over wrongful foreclosures is the question of whether the scandal could have been prevented. The answer is yes.
The practices now under investigation took root and grew because there was no single federal regulator with both the responsibility and the tools to look out for consumers.
Had it existed, the new consumer agency could have stopped these problems before they multiplied. Many of the failures already admitted were not sophisticated scams that had been carefully concealed. By enforcing existing laws and involving state authorities early on, the agency could have made sure that the law was respected. No one would need to wonder whether the world of borrowing and lending works only one way: Families have to follow the legal rules, but the rules are optional for big banks.
Once it is fully operational, the new consumer agency will have supervisory authority over all large mortgage servicers. It will be able to examine them on a regular basis to make sure they follow the rules. If those servicers decide it is cheaper or faster to circumvent federal law, the consumer agency will have the tools to hold them accountable.
No one will be allowed to break the rules without triggering a strong and prompt federal response.
Currently, the federal interagency foreclosure task force, including the members of the Financial Services Oversight Council, is working along with the state Attorneys General to get to the bottom of these problems. The implementation team for the new consumer agency is also working to assemble and coordinate teams to deal with servicing and other issues.
These efforts are critical, but there is more work to do: We must ensure this kind of scandal-or some close cousin-does not happen again.
A mortgage is the biggest financial commitment most Americans will make in a lifetime, and the toll on Florida has been especially heavy and the need for oversight particularly apparent. A few weeks ago, I watched proceedings in a Fort Lauderdale foreclosure court and saw firsthand the painful outcomes for numerous families.
Unfair servicing practices can worsen a family's already difficult economic situation, and the injury echoes from the family to the community and ultimately throughout the economy. Cops on the beat can stop problems before the damage spreads. If there ever was any doubt that the new consumer agency is necessary, the latest foreclosure developments should put that to rest.

TUESDAY TALK WITH ELIZABETH WARREN 12OKT10