Southwest Airlines ends free checked bags, now charging $35 for the first and $45 for the second—a major shift impacting budget travelers and loyalty perks.
By Milton Kirby | Atlanta, GA | June 3, 2025
Southwest Airlines is no longer letting two bags fly free.
As of May 28, the popular budget carrier has officially ended one of its most beloved customer perks. For decades, the airline’s “bags fly free” policy was a hallmark of its friendly, no-frills service. Now, that tradition has come to an end—bringing new costs and questions for travelers.
From Beloved Benefit to Baggage Fees
Southwest’s policy change comes as part of a broader set of reforms aimed at boosting profits and attracting new customer segments. Under the new rules, most passengers will now pay $35 for their first checked bag and $45 for the second. For a round-trip flight, that’s an extra $160 for those carrying two bags.
This hits particularly hard for vacationers—especially skiers. In the past, a ski bag and boot bag counted as one item. Now, travelers must pay for each checked item separately unless they qualify for a waiver through their loyalty status or fare class.
New Fare Structure, More Fees
Southwest has also introduced a new “Basic” fare, mimicking competitors. This lower-cost tier removes flexibility—no refunds, no changes. Passengers seeking flexibility must upgrade to the “Wanna Get Away Plus” fare, which adds $35 each way. A traveler who wants flexibility and two checked bags now faces up to $230 in added costs for a round-trip flight.
The airline defends the changes as part of a strategy to offer more choices. “We will do all this while remaining focused on what’s made us strong—our People and our authentic, friendly service,” said CEO Bob Jordan in a March press release.
Who Still Gets Bags for Free?
Not everyone will be charged for bags. A-List Preferred members and Business Select fare holders continue to receive two free checked bags. A-list members get one. Rapid Rewards credit cardholders can check one bag free of charge.
The Department of Transportation reported that in 2024, Southwest earned $83 million in baggage fees from customers with three or more bags—even without charging for the first two. With this change, fee revenue is expected to rise significantly.
Loyalty Program and Perks Also Shift
Southwest’s Rapid Rewards program is also evolving. The airline has started offering more points for higher fare classes and fewer points for lower tiers, such as Wanna Get Away. Points redemption will now vary depending on demand.
Other new features include:
Assigned seating (a first for Southwest)
Premium legroom options
A growing list of international partnerships, including Icelandair and China Airlines
A rollout of in-seat power, faster Wi-Fi, and new cabin interiors on the Boeing 737 MAX 8 fleet
A History of LUV
Founded in 1966, Southwest made its name flying between Dallas, San Antonio, and Houston. It offered no assigned seats, free checked bags, and famously lighthearted service. “LUV” became the airline’s stock symbol—and unofficial brand.
The change marks a major evolution from the company’s roots. While the airline says it’s “honored to have you join us on this transformational journey,” many longtime fans feel left behind.
“I remember the Love Machines and friendly flight crews,” said another frequent flyer. “Now it just feels like every other airline.”
Southwest says it remains focused on operational excellence. In 2025, it leads U.S. airlines in on-time performance and has avoided most cancellations.
Still, for everyday travelers used to packing without penalty, the new baggage fee era may take some getting used to.
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TitleMax must face trial in North Carolina over predatory title loans. Federal and state actions expose illegal practices targeting consumers, including military families.
By Milton Kirby | Atlanta, GA | June 4, 2025
A major legal blow has been dealt to TitleMax, a prominent auto title lending company, as a federal judge in North Carolina has ruled that the company must stand trial for allegedly exploiting consumers through high-interest loans and deceptive practices.
This decision comes just months after the Consumer Financial Protection Bureau (CFPB) announced a sweeping enforcement action against TitleMax and its parent company, TMX Finance LLC. That order, released on February 23, found the company guilty of violating the Military Lending Act (MLA) by charging military families triple the legal interest rate cap of 36% and concealing their status to sidestep federal protections.
In North Carolina, dozens of plaintiffs—most of whom are residents—allege that TitleMax issued car title loans with illegal interest rates, failed to disclose that such loans were unlawful under state law, and employed deceptive business tactics in violation of North Carolina’s Consumer Finance Act and the Unfair and Deceptive Trade Practices Act. These claims prompted TitleMax to file a motion to dismiss the case, arguing that the state had no personal jurisdiction over the company. U.S. District Judge Loretta C. Biggs disagreed.
In a 15-page ruling, Judge Biggs found that TitleMax intentionally reached into North Carolina to advertise and solicit business from residents via television, radio, and the internet. The company even recorded liens with the North Carolina Department of Motor Vehicles—acts the court found to be “continuing obligations” that tied the company to the state.
“The relationship between the defendant, the forum, and the litigation must arise out of contacts that the ‘defendant himself’ creates,” Biggs wrote, referencing U.S. Supreme Court precedent. The court concluded that TitleMax’s actions met the threshold for “minimum contacts,” allowing North Carolina courts to exercise specific jurisdiction.
The plaintiffs’ case has now cleared a major procedural hurdle and will proceed toward trial. The ruling also denied TitleMax’s request to transfer the case to district courts in states such as Virginia, South Carolina, and Georgia, where the loans were physically executed. Judge Biggs emphasized the importance of judicial efficiency and the plaintiffs’ right to have the case heard collectively in their home state.
This is not TitleMax’s first brush with regulators. The CFPB previously penalized the company in 2016 for misleading consumers about loan repayment options and using aggressive debt collection tactics. That earlier case resulted in a $9 million fine.
In the most recent CFPB enforcement action, TitleMax was ordered to pay over $5 million in restitution to affected consumers and an additional $10 million civil penalty. The Bureau alleged that the company doctored the records of military borrowers to avoid detection and charged illegal fees for an insurance product that provided no actual coverage.
Between 2016 and 2021, TitleMax issued at least 2,670 illegal loans to military families and imposed unlawful fees on roughly 15,000 loans. These practices directly violated the MLA, a law Congress passed in 2006 after a Department of Defense report showed how predatory lending undermines troop morale and military readiness.
Auto title loans, such as those offered by TitleMax, are short-term, high-cost loans secured by a borrower’s vehicle title. Borrowers who can’t repay risk losing their car, and many end up in a cycle of debt that impacts their ability to pay for basic needs like housing, food, and healthcare.
TitleMax currently operates more than 1,000 locations across 18 states and claims to serve
thousands of customers daily. Its headquarters is in Savannah, Georgia.
Military families and consumers who believe TitleMax or other lenders have wronged them can submit complaints at www.consumerfinance.gov or call (855) 411-CFPB. Employees aware of violations are encouraged to contact the Bureau at whistleblower@cfpb.gov.
The North Carolina case—America Washington et al. v. TitleMax of Virginia et al.—may prove pivotal in expanding how states can hold out-of-state lenders accountable for practices that harm their residents.
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Major changes are coming to Atlanta’s busiest transit hub. Beginning June 6, MARTA will close three Five Points Station entrances and relocate key customer services as part of a $230 million transformation project aimed at revitalizing downtown transit and enhancing rider experience.
By Milton Kirby | Atlanta, GA | May 30, 2025
Atlanta’s central transit hub is about to undergo a significant transformation. On June 6, the Metropolitan Atlanta Rapid Transit Authority (MARTA) will commence the next phase of its $230 million Five Points Station overhaul, which will result in several service disruptions and relocations affecting daily commuters.
What’s Closing?
At the close of service on Friday, June 6, three main entrances to the Five Points Station—Alabama Street, Broad Street Plaza, and Peachtree Street—will shut down. However, Forsyth Street will remain open with both street-level and elevator access.
Several station amenities are also affected. Restrooms will close at the station; however, MARTA is directing customers to nearby facilities at the GWCC/CNN Center, Peachtree Center, Georgia State, and West End stations. Other closures include the MARTA Market, StationSoccer, and the tunnel to the federal building.
Customer Services on the Move
Key MARTA customer service offices will relocate starting June 6:
Lost & Found will operate by appointment only. Riders can call 404-848-3208 or email lostandfound@itsmarta.com .
Reduced Fare Services will move to MARTA headquarters at 2424 Piedmont Road NE, open weekdays from 8:30 a.m. to 5 p.m.
RideStore services will continue at the Airport Station, with an additional location to be announced.
MARTA Police will relocate to Ashby Station in the future but will continue to maintain patrols at Five Points.
MARTA HOPE will relocate, though its new site has not yet been announced.
Downtown Bus Detours Already in Effect
Ahead of the June 6 changes, MARTA rerouted some Downtown bus service on May 17. Currently, only the following routes still stop on Forsyth Street near Five Points:
Routes: 3, 21, 40, 49, 55, 107, 186, 813
Other routes now terminate at alternate stations:
Georgia State Station: Routes 21, 42, 49, 55, 107, 186
King Memorial Station: Routes 26, 813, 899
Civic Center Station: Route 816
MARTA advises riders to check with regional partners CobbLinc, Ride Gwinnett and Xpress for any schedule changes resulting from this project.
A Bold Vision for the Future
The Five Points Transformation Project aims to revitalize the heart of Atlanta’s transit system. The initial work involves removing the aging concrete canopy. Future phases will include a new canopy design, a centralized bus hub, enhanced pedestrian access to Broad Street, public art, green spaces, and community gathering areas.
Funded through the More MARTA Atlanta half-penny sales tax, the $230 million project also includes $13.8 million in state funding and a $25 million Federal RAISE Grant. Additional funding comes from MARTA’s core penny sales tax.
ICRA 2025 in Atlanta broke records and barriers, featuring lifelike humanoids, art-powered robotics, and global tech leaders pushing the field into the future.
By Milton Kirby | Atlanta, GA | May 27, 2025
The 2025 IEEE International Conference on Robotics and Automation (ICRA 2025) concluded on May 23, following a week of groundbreaking research, dazzling robot demonstrations, and global collaboration. Hosted in Atlanta’s Georgia World Congress Center, this year’s ICRA was the largest in the event’s history, drawing more than 7,000 participants, 141 exhibitors, and hundreds of educational institutions and tech companies from around the world.
Organized by the IEEE Robotics and Automation Society, ICRA is recognized as the world’s premier robotics event. It combines academic research, industrial innovation, and community networking to explore how robots are shaping our world today—and what’s coming next.
Hands-On with the Future: Robots Take Center Stage
The exhibition floor at ICRA 2025 transformed into a living showcase of tomorrow’s technology. Spanning 235,000 square feet, it buzzed with live demonstrations of cutting-edge robots—from lifelike humanoids to four-legged machines designed for rescue, research, and even barista work.
Boston Dynamics drew a steady crowd with its agile quadruped robot, Spot. Measuring approximately 43 inches long and weighing 72 pounds, Spot is already being utilized in industries such as power generation, petroleum, and pet food manufacturing. At ICRA, Spot wowed attendees by navigating around obstacles, self-correcting after falls, and showcasing its ability to operate independently. It charges itself, re-routes when paths are blocked, and carries up to 14 kilograms of custom equipment. With more than 1,500 Spots already in the field, the robot’s user-friendly interface and powerful API make it ideal for hazardous inspections and industrial monitoring.
Unitree’s G1 humanoid robots also made headlines. These compact androids, standing 52 inches tall and weighing 77 pounds (including their battery), mimic the structure of a human body—complete with a head, torso, rotating arms, elbows, wrists, fingers, and legs with hip, knee, and ankle joints. The units even wore shoes for their performance. In a playful yet impressive demonstration, two G1s donned boxing gloves and engaged in a mock match, reacting to punches and showcasing their ability to regain balance after being hit. With approximately two hours of battery life and an AI-driven control system, the G1 demonstrated just how close humanoid robots are to mastering complex, real-world movements.
Nearby, Rainbow Robotics of South Korea showcased its RB-Y1 humanoid platform. This research-friendly bot features multiple control options, including a joystick, VR headset, and master arm system. The company also introduced a Mecanum Wheel System for 360-degree movement in tight spaces. RB-Y1 has already attracted users from top institutions, including MIT, UC Berkeley, Georgia Tech, and the University of Washington. Its flexible software development kit (SDK) enables researchers to tailor the robot for AI projects by utilizing grippers, LiDAR, and IMUs. Rainbow’s exhibit, supported by its US subsidiary in Chicago, reinforced the company’s growing global presence.
The MAB Honey Badger team returned with their latest version of a rugged quadruped robot: the HB4.0. Developed over nearly a decade, this legged robot has been field-tested in challenging environments and is now being deployed by customers for real-world applications. Designed for durability and agility, the Honey Badger is built to navigate rugged terrain where wheels and tracks fail.
On the more delightful side of robotics, Artly AI presented its Barista Bot, built not just to serve coffee but to do it with craftsmanship. Using deep learning and imitation-based training, Artly’s robots learn directly from human baristas. They recognize tools, follow quality checks at each brewing step, and produce consistently perfect drinks. The bots can be bought for $80,000 or leased starting at $2,650 per month. Artly’s mission isn’t to replace human baristas—but to honor and preserve the fine art of coffee-making, bringing café-quality service to airports, malls, and workplaces.
The exhibition area also featured The Gecko, a robot named for its sticky-footed namesake. With specialized grip pads and adaptive gait, The Gecko is designed for wall and pipe inspections, particularly in environments that are hazardous or difficult for humans to access. Its unique ability to navigate vertical or irregular surfaces has made it a favorite among research teams focused on infrastructure monitoring and maintenance.
Altogether, ICRA 2025’s exhibition floor was more than a tech showcase—it was a window into a world where robots not only support human work but do so with agility, precision, and even a touch of personality.
Where Arts and Engineering Meet
ICRA 2025 didn’t just showcase technology—it celebrated creativity. The growing “Arts in Robotics” program provided a unique perspective on how machines and art intersect. From choreography to sculpture and painting to costume design, the fusion of expression and engineering is redefining what robots can do.
This year’s events included live performances, juried art sessions, and workshops exploring motion planning in dance, haptics in clothing, and other related topics. It’s part of a larger trend: using robots not just as tools but as partners in human expression.
Powered by People: Global Collaboration and Education
ICRA 2025 featured over 2,000 paper presentations across 24 tracks, along with plenary talks and 52 keynote sessions. The conference also included workshops on robot ethics, robotics in Africa, and undergraduate education. Satellite conferences around the globe allowed remote participation, making this the most inclusive ICRA yet.
Top schools from around the world were well-represented. Gabrielle Madison says, “The A. James Clark School of Engineering of the University of Maryland (CSE) is a great place to get graduate engineering degrees in robotics. Our graduate engineering programs are run in conjunction with the nationally recognized Maryland Robotics Center.”
The CSE offers a Graduate Certificate in Engineering program in Robotics, which can be completed in as little as two years. The certificate credit can be applied to a Master of Engineering degree.
Graduates of the program have been placed in jobs such as software developer, robotics operator, sales engineer, robotics engineer, electrical maintenance engineer, process engineer and machine learning specialist. Some of their top student employers have included Accenture, Cognizant Technology Solutions, the US Department of Defense, H-Tech Engineers, Infosys Ltd., Naval Air Systems Command, Raytheon, and the US Navy.
Networking groups like Black in Robotics, LatinX in Robotics, and Queer in Robotics held events to strengthen community and inclusion in the field.
Jobs, Automation, and the Road Ahead
As robotics continues to advance, it brings both opportunity and disruption. According to the World Economic Forum, while 85 million jobs may be displaced by automation by 2025, 97 million new ones could emerge—if workers can reskill. McKinsey estimates that 375 million workers may need to change careers by 2030.
The robotics industry is expected to reach $73 billion globally by 2029. In the US, jobs for robotics engineers are projected to grow by 3.3% over the next decade, with thousands of new roles across fields.
Industries driving this growth include:
Manufacturing: Cobots are speeding up assembly lines.
Healthcare: Robots assist in surgery and elder care.
Logistics: Autonomous bots are transforming warehouses.
Aerospace & Defense: Drones and robotic suits are under development.
Agriculture: Robots help with planting, sorting, and packaging.
Top careers in robotics include:
Robotics Engineer – $95,300/year
Software Developer (Robotics) – $122,386/year
Electromechanical Technician – $76,543/year
AI Specialist – $101,428/year
Educational paths range from two-year associate degrees for technicians to master’s programs for advanced engineers. Bootcamps and certifications also offer fast-track options for those entering the field.
Robotics Replacing the “Three Ds”
Many robots are now being used to take over jobs that are dull, dirty, or dangerous—reducing risks and improving productivity. Tasks such as bomb disposal, sewer inspections, and repetitive factory work are increasingly being handled by machines. A fourth “D” often added is “Dear”—jobs that are simply too expensive when done by humans.
Still, jobs that require emotional intelligence, creativity, and complex decision-making—such as those of teachers or therapists—remain less likely to be automated.
Looking Ahead
The energy at ICRA 2025 was electric. The blend of technical innovation, artistic collaboration, and career development made it a must-attend event for anyone in the robotics field.
Next year’s ICRA conference will take place in Vienna, Austria, from June 1 to 5, 2026. If this year was any sign, the future of robotics is not only bright—it’s inclusive, expressive, and globally connected.
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Tommy Holder, Chairman of Holder Construction, will receive the 2025 Four Pillar Award for leadership, vision, and lasting impact on Atlanta’s skyline and community.
By Milton Kirby | Atlanta, GA | May 22, 2025
The Council for Quality Growth has named Thomas M. “Tommy” Holder, Chairman and Former CEO of Holder Construction, as the 36th recipient of its prestigious Four Pillar Tribute and Award. The recognition celebrates Holder’s decades of leadership, commitment to the Atlanta community, and his company’s impact on the region’s skyline and economy.
Each year, the Four Pillar Award honors an individual who embodies the Council’s core values of Quality, Responsibility, Vision, and Integrity—traits that define both the honoree and the organization’s mission of promoting balanced growth across metro Atlanta. This year’s tribute theme—Opportunity – Empowerment – Integrity—was chosen by Holder to reflect the values that guided his leadership.
“The Holder name is engrained in the way Atlanta has grown and developed,” said Michael E. Paris, President & CEO of the Council for Quality Growth. “Tommy’s leadership and vision can be witnessed from every corner of this region and across the country.”
The tribute event will take place on October 16, 2025, at the Georgia World Congress Center, with presenting sponsorship from Delta Air Lines, Georgia Power, and Norfolk Southern.
Building Atlanta, One Landmark at a Time
Tommy Holder’s story begins in Atlanta, where he attended The Lovett School before earning his degree from Georgia Tech. In 1976, he joined Holder Construction, the firm founded by his father, Robert Holder, in 1960. After climbing the ranks, Tommy became President and CEO in 1989 and Chairman and CEO in 1997. He served as CEO until 2021 and remains Chairman today.
Under his leadership, Holder Construction transformed into a national powerhouse with eight offices and projects in over 30 states. The company now generates more than$8 billion in annual revenue.
Some of the most recognizable buildings in Atlanta bear Holder Construction’s imprint—including Mercedes-Benz Stadium, NCR Global Headquarters, the New World of Coca-Cola, the National Center for Civil and Human Rights, and Georgia Tech Square.
Beyond Georgia, Holder Construction’s portfolio includes the Devon Energy Center in Oklahoma City, Apple Park in Cupertino, and over 400 data centersfor global clients like Google, Amazon, and Verizon.
“We are fortunate to work among the most sophisticated architects and structural engineers in the world,” said Holder. “Each project is a reflection of our team’s commitment to quality, innovation, and collaboration.”
A Legacy of Leadership and Service
While his construction projects have reshaped cityscapes, Holder has also built a legacy of service. He chairs the Georgia Tech Foundation and serves on the boards of the Metro Atlanta Chamber of Commerce and Georgia Power Company. He is a former board chair of Children’s Healthcare of Atlanta, a past president of the Rotary Club of Atlanta, and Chair Emeritus of the Georgia Historical Society.
He has also supported the Cathedral of St. Philip, most recently contributing to the design and construction of the new Good Faith Chapel.
“Tommy’s dedication to our community and the built environment speaks volumes about the kind of leader he is,” said Clyde Higgs, 2025 Chairman of the Council for Quality Growth and CEO of the Atlanta BeltLine. “His influence on Atlanta will be felt for generations.”
A Celebration of Visionaries
The Four Pillar Tribute, now in its 36th year, is widely considered metro Atlanta’s highest honor for civic and business leadership. Past honorees include Ambassador Andrew Young, Arthur M. Blank, Governor Nathan Deal, Dan Cathy, and the Herman J. Russell Family.
The Council encourages community and business leaders to attend this year’s gala and join in recognizing Holder’s contributions. Sponsorship and event details are available at www.FourPillarTribute.com.
“I am humbled to be part of a legacy that includes so many inspiring leaders,” said Holder. “Atlanta has given so much to me and my family, and I’m grateful for the chance to give back through our work.”
About the Council for Quality Growth
Founded over 40 years ago, the Council for Quality Growth is a trade organization dedicated to ensuring sustainable growth and economic prosperity across metro Atlanta and Georgia. Through advocacy, education, and collaboration, the Council works with local governments and private stakeholders to address critical infrastructure and quality-of-life challenges.
By Riley Beggin, USA TODAY Washington, DC | May 22, 2025
Americans could see major changes to Medicaid, food stamps, border security and taxes under a sweeping Republican bill that passed the U. S. House early on May 22.
The proposal, which President Donald Trump has dubbed the “big, beautiful bill,” would enact Trump’s major campaign promises like eliminating taxes on workers’ tips and overtime and is likely to be one of the most significant pieces of legislation that will be passed during his second term in the Oval Office.
It passed the House 215-214, with all Democrats and two Republicans – Reps. Th Thomas Massie of Kentucky and Warren Davidson of Ohio – voting against it after a marathon all-night debate. Republicans had only three ‘no’ votes to spare in the closely-divided House.
As recently as May 20, it wasn’t clear House Republicans would be able to get the bill endorsed by Trump across the finish line.
A handful of Republicans from primarily Democratic states were holding out on raising a tax deduction cap that would benefit their constituents, while fiscal conservatives remained concerned about the cost of the legislation, which is expected to add around $3.3 trillion to the deficit over the next 10 years. The tax plan has rattled stock markets in recent days as investors worry about the ballooning debt.
Trump met personally with the GOP conference that morning, urging them to stop pushing for more changes and get behind the bill. “Failure is simply not an option,” House Speaker Mike Johnson, R-Louisiana, said after the meeting.
House vote count on Trump tax bill
After several marathon days of negotiations, including a May 21 meeting at the Trump White House, Republican leadership made additional changes and enough lawmakers came on board to pass it.
“What we’re going to do here this morning is truly historic, and it will make all the difference in the daily lives of hard working Americans,” Johnson said in a floor speech shortly before the bill passed.
Apart from Massie and Davidson, three other Republicans did not vote in support of the legislation. Rep. Andy Harris, R-Maryland, voted present, which would have effectively been an opposition vote if the rest of the lawmakers had tied. Harris is the chairman of the ultra-conservative House Freedom Caucus, which sought greater cuts in spending in the package.
Reps. David Schweikert of Arizona and Andrew Gabarino of New York missed the vote entirely.
Democrats have slammed the bill as a giveaway to the wealthy at the expense of people who benefit from social safety net programs like Medicaid and SNAP.
“This is one big, ugly bill that House Republicans are trying to jam down the throats of the American people under the cover of darkness,” House Minority Leader Hakeem Jeffries, D-New York, said on the House floor in an early morning speech before the final vote.
Still, it has a long way to go before it becomes law. The bill will next go to the Senate, which has already made clear that it plans to make changes. If that happens, the two chambers would still have to hash out the details capable of winning majority votes before they can send it to Trump’s desk to be signed into law.
The clock is ticking: Treasury Sec. Scott Bessent warned that the U.S. is likely to hit the debt ceiling in August, and urged lawmakers to finalize the package – which raises the debt ceiling by $4 trillion – before leaving for their summer recess at the end of July.
Trump urges Senate to act swiftly on bill
Trump commended the House passage of the legislation and urged quick Senate action by highlighting priorities such as no taxes on tips, overtime or interest on loans for American-made cars.
He also cited tougher border security measures such as pay raises for Immigration and Customs Enforcement and Customs and Border Protection agents.
Trump chided Democrats for opposing the measure and supporting “Open Borders” and transgender participants in women’s sports.
“Now, it’s time for our friends in the United States Senate to get to work, and send this Bill to my desk AS SOON AS POSSIBLE!” Trump said in a social media post. “There is no time to waste.”
What is in the bill?
The sweeping House bill is expected to touch many corners of American life, from their wallets and healthcare to the southern border and the national debt.
The 2017 Tax Cuts and Jobs Act, which lowered income tax rates for all income groups but disproportionately benefitted the highest earners, is set to expire at the end of 2025. The bill would make those tax rates permanent at an expected cost of more than $2 trillion over the next 10 years.
No taxes on tips and overtime
The bill would also implement temporary tax breaks for tipped wages and overtime, create a new temporary deduction for the interest on loans for American-made cars, and create a new tax deduction for people over age 65. Children under 8 years old could also benefit from a new “Trump” savings account seeded with $1,000 from the federal government.
7.6 million would lose Medicaid
Medicaid, the program that provides health insurance to more than 71 million low-income Americans, would undergo big changes. That includes new work requirements for adults enrolled in Medicaid expansion beginning in December of 2026, more frequent eligibility checks, and disincentives for states to cover unauthorized migrant children, among other provisions.
Collectively, the Medicaid proposal would save at least $625 billion and cause 7.6 million Americans to lose their health insurance over the next 10 years, according to initial estimates by the nonpartisan Congressional Budget Office.
Trump warned Republicans who wanted to squeeze additional changes out of the health insurance program, telling them “Don’t f‒‒‒ around with Medicaid,” at a May 20 meeting.
The proposal would also implement new requirements in the Supplemental Nutrition Assistance Program, known as SNAP or food stamps, which provides assistance to around 42 million Americans. That would save up to $300 billion over the next ten years and shift more of the cost of the program to states.
Big spending on border security, missile defense
The bill would put more than $140 billion toward Trump’s plan to crack down on illegal immigration, including $50 billion for a border wall, $45 billion for detention centers, $8 billion for immigration officers and $14 billion for deportations.
It would also put around $150 billion toward defense spending, including $20 billion that would go, in part, to creating a “Golden Dome” missile defense system that Trump has promoted.
Blue state tax benefits, green energy, vouchers
Residents of high-tax states like New York, California and New Jersey making under $500,000 will be able to claim a deduction of up to $40,000 on their federal returns for taxes paid to their state and local governments – which those holdout lawmakers pushed up from the initially-proposed $30,000. Right now, the cap on that deduction is $10,000.
The bill would eliminate several green energy provisions passed under former President Joe Biden, such as tax credits for electric vehicles and renewable energy, and would accelerate permitting for fossil fuel projects.
Families could use new vouchers collectively worth billions dollars for education outside of public schools, such as for private schools, parochial schools or homeschooling. Meanwhile, private universities could face new taxes for large endowments.
Contributing: Bart Jansen
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The Consumer Financial Protection Bureau (CFPB) has changed the terms of a previous enforcement order against the international money transfer company Wise. On May 15, the CFPB announced an amended consent order that reduces the company’s fine and updates how Wise must repay harmed customers.
Wise, which is based in the United Kingdom, lets people send, store, and receive money using a mobile app, prepaid accounts, and debit cards. More than three million U.S. customers use Wise to transfer money internationally. The company does not operate any physical locations in the United States.
In January 2025, the CFPB found that Wise had misled its customers about ATM fees and failed to properly show the actual cost of sending money, including exchange rates. Wise also broke the rules by not refunding fees quickly when money transfers didn’t arrive on time.
The earlier order, issued on January 30, required Wise to pay $450,000 to customers and a $2.025 million fine to the CFPB’s victims’ relief fund. That order has now been replaced.
Under the new May 15 order, Wise will still have to pay harmed customers, but the fine has been cut to about $45,000. The CFPB said the change was made to follow consumer protection laws better and reflect Wise’s cooperation with the investigation.
The revised order also considers new rules under Executive Order 14219 and the Bureau’s recent decision to cancel specific older guidelines, including one about how companies advertise remittance fees and delivery speeds.
Wise operates in 48 states, Washington D.C., Puerto Rico, Guam, and the U.S. Virgin Islands. It uses U.S. bank accounts to move money to and from other countries. It offers services for customers who send money entirely outside the U.S.
The CFPB is a government agency that protects consumers by enforcing financial laws and making sure financial markets are fair and open.
Centennial Yards selects Live Nation to operate a new 5,300-seat music venue, anchoring Downtown Atlanta’s $5B entertainment district near State Farm Arena and the Mercedes-Benz Stadium
Live Music Powerhouse to Anchor $5 Billion Sports and Entertainment District
By Milton Kirby | Atlanta, GA | May 15, 2025
Centennial Yards Company has officially selected Live Nation to operate a 5,300-seat state-of-the-art music and entertainment venue at the heart of its sprawling Downtown Atlanta development. The long-term lease deal, announced on Wednesday, marks a significant milestone for the $5 billion, 50-acre project, which aims to transform underutilized rail yards into a vibrant hub of culture, sports, and commerce.
The new venue, adjacent to State Farm Arena and Mercedes-Benz Stadium, will serve as a cornerstone of the emerging Centennial Yards entertainment district. It joins a roster of high-profile projects already underway or planned for the area, including the immersive experience space Cosm, Hotel Phoenix, and The Mitchell apartment tower.
“Centennial Yards is poised to be the epicenter of sports and entertainment for the Southeast,” said Brian McGowan, President of Centennial Yards Company. “This partnership with Live Nation brings us one step closer to creating a thriving hub where unforgettable experiences happen.”
With Live Nation at the helm, the venue is set to host a wide array of performances—from global touring acts to local up-and-comers—adding depth to Atlanta’s already rich music scene. The facility promises premium sound, fan-first design, and elevated food and drink options.
The venue is expected to fill a strategic gap between larger stadiums, such as Mercedes-Benz, and mid-sized halls, like the Tabernacle and Buckhead Theatre. According to Jordan Zachary, President of Global Venues at Live Nation, the partnership will bolster Atlanta’s stature as a cultural and economic heavyweight.
“Atlanta has long been a cornerstone of American music and live entertainment,” said Zachary. “We’re proud to help write its next chapter downtown with this new venue at Centennial Yards.”
The announcement drew praise from key stakeholders, including Tony Ressler, principal owner of the Atlanta Hawks and a lead partner in the Centennial Yards development.
“As owners rooted in Atlanta, we are committed to shaping a Downtown that is dynamic, inclusive, and vibrant,” said Ressler. “Live Nation’s presence helps us fulfill that promise.”
CIM Group, the development firm behind several transformational urban projects across the U.S., is the primary partner alongside Ressler’s group. “This venue brings people together through transformative experiences,” said Shaul Kuba, CIM Co-Founder and Principal.
Upon completion, Centennial Yards will feature 8 million square feet of new space, comprising residential, hotel, office, retail, and entertainment uses. Centennial Yards South—home to student-friendly Lofts at Centennial Yards and Wild Leap Brewery — has already opened. Community-driven activations, such as food trucks, live music, and tailgating parties, are already drawing crowds to the site.
The Live Nation venue is expected to open in 2027, becoming a pivotal part of the district’s 24/7 live-work-play experience. The project is also supported by strong transit connections, with multiple MARTA stations nearby and access to the Atlanta Beltline.
In a city known for producing music legends and iconic performances, this partnership aims to expand Atlanta’s live entertainment legacy well into the future.
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DeKalb CEO Lorraine Cochran-Johnson outlines bold plans to improve public safety, infrastructure, economic inclusion, and homelessness in her 2025 State of the County Address.
By Milton Kirby | Atlanta, GA | May 9, 2025
In her first State of the County address, DeKalb County CEO Lorraine Cochran-Johnson delivered a powerful message of transformation, transparency, and urgency.
Speaking from the red carpet backdrop of Assembly Studios, Cochran-Johnson — the county’s first Black woman to serve as CEO — laid out a bold four-pillar plan centered on public safety, infrastructure, housing, and economic development.
“DeKalb County is not just reimagined,” she said. “It’s awakened.”
A Fast Start and a Bold Vision
Since taking office in January, Cochran-Johnson has moved swiftly. Within her first 100 days, she replaced the police chief, installed an interim leader, and committed more than $10 million to raise officer salaries, making DeKalb’s department one of the best paid in the region.
She also proposed a $2 million real-time crime center and announced a pilot program to use drones for emergency response.
“When it comes to public safety and water, water is a matter of public health – you can’t move slowly,” she said. “Give me grace and time, but know that urgency is necessary.”
Cochran-Johnson emphasized that public safety is more than policing — it’s the foundation for economic development. She called on DeKalb’s 12 city mayors to join her in fighting crime, building infrastructure, and ensuring opportunity.
DeKalb County CEO & Board of Commissioners
Infrastructure Investment: “The Decision of My Life”
“After analyzing the data and evaluating the risks, it was one of the best decisions of my life,” she said. The CEO also addressed the county’s aging water and sewer system, which is under federal oversight. She backed a tough but necessary decision: a 10% annual increase in water rates over the next decade to support a $4.27 billion overhaul.
Atlanta Regional Commission, under the direction of Executive Director, Anna Roach, reinforced the urgency, noting metro Atlanta has one of the nation’s smallest water supplies for a major urban area.
Cochran-Johnson added that infrastructure is not just about pipes — it’s about quality of life, public health, and future growth.
Small Businesses and Economic Equity
Cochran-Johnson pledged to ensure that local, small, and minority-owned businesses are equipped to compete for government contracts. Her administration will focus on strategic economic development that attracts top-tier companies and creates jobs, particularly in underserved communities.
“We must build a more connected and transparent government,” she said. “We are being responsible stewards of taxpayer dollars and innovative in our approach.”
To foster better communication and cooperation, she appointed an intergovernmental liaison to help align priorities across the county’s 12 cities.
Tackling Homelessness and Building Community
In the months ahead, Cochran-Johnson will unveil a comprehensive framework to reduce homelessness. She hinted at wraparound services and stronger partnerships with nonprofits and health agencies.
She also shared personal stories to highlight the commitment of county employees, including a Roads and Drainage crew that cleared snow for an ambulance so a pregnant woman could safely deliver her baby.
“That’s the spirit of DeKalb,” she said.
Fiscal Discipline and Innovation
Despite financial uncertainty due in part to potential federal funding cuts, Cochran-Johnson presented a balanced budget to the Board of Commissioners just 15 days after taking office. A temporary hiring and spending freeze is in effect as departments review cost-saving and revenue-generating ideas.
While acknowledging the challenges, she was resolute:
“Aggressive and bold moves are necessary,” she said. “Government may be a slow-moving vehicle, but there are times when you simply cannot move slowly.”
A County Reimagined
Throughout the address, Cochran-Johnson emphasized collaboration, accountability, and bold leadership. She expressed gratitude for past CEOs and vowed to lead with vision and courage.
“I’ve learned from those who came before me. But now is the time for bold action,” the CEO said. “The mission is possible — and DeKalb’s future starts now.”
The Consumer Finance Protection Bureau finalized the rule last year as part of the Biden administration’s efforts to do away with what it called junk fees. It was paused by the courts before it could take effect.
At the time, the CFPB estimated that American families would have saved more than $10 billion in late fees annually had the fees been capped at $8, significantly less than the $32 average.
Banks and industry groups argued that the rule didn’t allow card issuers to charge fees high enough to deter late payments and discourage repeat violations.
The Texas judge’s ruling earlier this month came a day after a collection of major industry groups and the CFPB under President Donald Trump announced that they had reached an agreement to throw out the rule.
Here’s what to know about credit card late fees:
What is the average credit card late fee?
The average late fee for major issuers has steadily ticked up since the 2010s, going from $23 at the end of 2010 to $32 in 2022, according to the CFPB. WalletHub, which tracks financial data, found the average late fee in 2025 to be $30.50, with the maximum $41.
A September 2023 Consumer Reports study estimated that 1 in 5 American adults, or about 52 million people, paid a credit card late fee in the previous year. People with lower incomes pay proportionately bigger fees, according to the CFPB, with the highest burden falling on communities of color and those living paycheck to paycheck.
How can consumers avoid the fees?
Enrolling in auto-pay for your credit cards can help you avoid making late payments, and there are some credit cards that don’t charge late fees at all (though it’s important to note that these cards may have other fee or penalty structures, or higher interest rates.)
Citi Simplicity and the Apple card do not currently charge late fees, and Discover offers a card that will automatically waive the first late fee.
It’s also possible to appeal credit card late fees charged by your credit card company by calling them directly. The companies will often reverse the fees, especially if it’s your first late payment.
You may also want to consider making payments on your credit card balances during the month. That means you’ll have paid more of the balance by the time the amount comes due, and keeping your balance low relative to your credit limit can improve your credit score.
If you’re having trouble making ends meet, you can ask your credit issuers about hardship programs. These are typically available to people affected by job loss, illness or medical conditions, natural disasters, or other emergencies.
What was the CFPB credit card late fee cap rule about?
Concerned that credit card companies were building a business model based on high penalties, Congress passed the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), which banned the companies from charging excessive late fees and established clearer disclosures and consumer protections.
In 2010, the Federal Reserve Board of Governors voted to issue a regulation implementing the CARD Act, which said that banks could only charge fees to recover costs associated with late payment.
However, the rule included an “immunity provision” that let some banks charge $25 for the first late payment and $35 for subsequent late payments, adjusted for inflation each year. Those amounts subsequently grew to $30 and $41.
After a review of market data, the CFPB finalized a rule that would have capped late fees at $8 and ended automatic inflation adjustments. Based on records analyzed by the CFPB, a late fee of $8 would be sufficient for card issuers, on average, to cover collection costs incurred as a result of late payments.
How have banking groups responded to the court decision?
Industry groups, including the Consumer Bankers Association, American Bankers Association, the U.S. Chamber of Commerce, and others, said they welcomed the court’s decision eliminating the cap.
The groups said that the rule would have led to higher interest rates and reduced credit access for card holders. The groups also said the rule would have “reduced important incentives for consumers to manage their finances.”
The CFPB has estimated that banks bring in roughly $14 billion in credit card late fees a year.
How have consumer advocates responded?
Horacio Méndez, president and CEO of Woodstock Institute, an organization for advancing economic equity, called the ruling a “devastating blow.”
“By tossing out the CFPB’s common-sense rule to cap these predatory late fees — some as high as $41 — a federal judge is putting corporations over the lives of everyday consumers,” he said. “The CFPB’s rule was borne out of clear evidence: the credit card industry was using inflated late fees as a profit engine, forcing families with the least financial cushion to pay.”
Méndez said that while consumers have come to expect fees for services, those fees needn’t be punitive to be effective.
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Rev. Al Sharpton met with Target CEO Brian Cornell to address the company’s DEI rollback, amid ongoing boycott efforts and activist concerns over corporate accountability.
By Milton Kirby | Atlanta, GA | April 21, 2025
On Thursday, April 17, 2025, Rev. Al Sharpton met with Target CEO Brian Cornell at the National Action Network (NAN) headquarters in Harlem to discuss the company’s recent rollback of its diversity, equity, and inclusion (DEI) initiatives. NAN’s National Board Chair, Dr. W. Franklyn Richardson, and Senior Adviser Carra Wallace attended the meeting
Courtesy NAN – Al Sharpton
Following the meeting, Sharpton described the discussion as “very constructive and candid,” as reported by the National Action Network and The Guardian. He stated, “I am going to inform our allies, including Rev. Dr. Jamal Bryant, of our discussion and my feelings, and we will go from there.”
Rev. Dr. Jamal Bryant, senior pastor at New Birth Missionary Baptist Church, Lithonia, GA, who initiated a 40-day boycott of Target during Lent through his campaign TargetFast.org, confirmed his attendance at the meeting. Sharpton emphasized their alignment, stating, “We must make it clear, on the record, that he and I are aligned, especially as those seeking to dismantle DEI will sow divisions to advance their cause.”
However, some local activists expressed concerns about the meeting. Nekima Levy Armstrong, a Minneapolis-based civil rights attorney and one of the initial organizers of the Target boycott, questioned Sharpton’s involvement. She told the Minnesota Star Tribune, “Sharpton had absolutely zero involvement in the Target boycott,” suggesting that Target’s outreach to Sharpton might be an attempt to “control the narrative.”
In January, Target announced significant changes to its DEI policies, including ending its three-year DEI goals, withdrawing from external DEI surveys, and concluding its Racial Equity Action and Change (REACH) program by 2025. The company also plans to shift from “supplier diversity” to a broader “supplier engagement” approach.
Sharpton has been vocal about corporate accountability regarding DEI commitments. In a statement, he remarked, “If an election determines your commitment to fairness, then fine—you have a right to withdraw from us. But we have a right to withdraw from you.”
As of now, Target has not indicated any changes to its DEI policies following the meeting. The National Action Network has not released additional details. Activists and consumers continue to monitor the situation, emphasizing the importance of sustained corporate commitment to diversity, equity, and inclusion.
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The 2025 Masters highlighted golf’s evolving legacy—spotlighting Black pioneers, Augusta’s exclusivity, and a $140M economic impact—while diversity efforts continue to reshape the sport.
By Milton Kirby | Atlanta, GA | April 18, 2025
As the 89th Masters Tournament concluded Sunday, April 13, 2025, the storylines that emerged weren’t just about the iconic green jacket or record-breaking putts. Behind the meticulously groomed fairways of Augusta National Golf Club lies a deeper story—one that speaks to the history of exclusivity, the slow march toward diversity, and the staggering economic footprint of one of America’s most prestigious sporting events.
Black Golfers in America: Progress and Persistence
Golf in the United States is still largely dominated by white players, but Black athletes have made important strides—though the road remains steep. As of 2024, about 3% of the 28.1 million on-course golfers in the U.S. were Black, totaling roughly 843,000 players. This marks a decline from 1.1 million Black golfers in 2015, highlighting ongoing struggles with access, affordability, and representation.
Despite these challenges, a number of Black golfers have not only made it to the PGA Tour but also achieved remarkable success:
Charlie Sifford became the first African American to earn a PGA Tour card in 1961, later winning two events and earning a place in the World Golf Hall of Fame.
Pete Brown was the first Black golfer to win a PGA Tour event in 1964.
Lee Elder made history in 1975 as the first Black player to compete in the Masters Tournament.
Calvin Peete, known for his accuracy, won 12 PGA Tour events, including the 1985 Players Championship.
Jim Thorpe secured three PGA Tour wins and 13 on the Champions Tour.
Modern Black golfers continue to carry the torch:
Tiger Woods, with 82 PGA Tour wins and 15 majors, remains one of the most dominant and influential golfers of all time.
Harold Varner III made history as the first Black golfer to advance to the PGA Tour via the Web.com Tour.
Joseph Bramlett became the first Black player to graduate from PGA Tour Q-School since Tiger.
Cameron Champ, a rising star, is known for his long drives and advocacy for racial equity in the sport.
Cheyenne Woods, Tiger’s niece, has competed on the LPGA Tour and earned international victories.
Organizations like the Advocates Professional Golf Association (APGA) Tour are also working to provide competitive platforms for aspiring Black professionals, seeking to increase diversity at golf’s highest levels.
Inside Augusta National: Membership and Milestones
Perhaps no course is more symbolic of golf’s complex relationship with race than Augusta National Golf Club, home of the Masters since its debut in 1934. Known for its tightly guarded membership and tradition-heavy culture, the club did not admit its first Black member—Ron Townsend, a television executive—until 1990. This move came amid national pressure after a similar exclusion scandal at Alabama’s Shoal Creek Club drew widespread backlash.
Since then, Augusta has added other Black members, including Condoleezza Rice, who also broke barriers as one of the club’s first two female members in 2012, and former NFL great Lynn Swann. The exact number of Black members today remains confidential, in line with Augusta’s longstanding policy of secrecy. Still, reports suggest several African Americans now hold roles in membership and business operations.
Augusta’s exclusivity persists: membership is by invitation only, with estimated initiation fees between $100,000 and $300,000, and annual dues under $30,000. The club typically hosts around 300 members, often referred to as “green jackets.”
Masters Champions: Legends of the Tournament
In its 89-year history, only a few players have won the Masters multiple times—a rare achievement that cements their place in golf legend.
Jack Nicklaus leads with 6 victories (1963, 1965, 1966, 1972, 1975, 1986).
Tiger Woods, the most dominant Black golfer in history, has won 5 times (1997, 2001, 2002, 2005, 2019).
Arnold Palmer claimed 4 wins (1958, 1960, 1962, 1964).
Tiger Woods’ historic 1997 win not only redefined the sport but also symbolized a new chapter in its racial history. His enduring legacy continues to inspire young golfers of color across the globe.
The 2025 Masters added yet another chapter to the tournament’s historic legacy when Rory McIlroy won after a dramatic sudden-death playoff against Justin Rose. With the victory, McIlroy became the sixth player—and the first European—to complete the modern career Grand Slam, doing so on his 11th attempt. His long-awaited triumph underscored the global prestige of the Masters and highlighted how the event continues to shape the narratives of golf’s greatest champions.
By Milton Kirby East Lake Golf Course Atlanta, GA – Location of Ryder Cup 1963
The Masters and Georgia’s Economy: A Championship Boost
The Masters isn’t just a sporting event—it’s an economic juggernaut. Held each April, the tournament injects between $120 million and $140 million into Augusta’s local economy. From luxury rentals to booming restaurant business, the city transforms into a hub of global commerce during Masters Week.
Across Georgia, golf drives even larger gains. In 2022, the industry generated a $5.3 billion statewide economic impact, supporting over 55,000 jobs and contributing $2.7 billion in wages.
Hospitality rates spike dramatically during the tournament:
Hotel rates surge up to 800%, averaging $500 per night.
Local hotels generate about $26 million in revenue.
Short-term rentals average $5,300 per week, with some homeowners earning up to $28,000, often enough to pay a year’s mortgage.
Transportation sees a bump too. Augusta Regional Airport handles over 2,100 private flights during Masters Week—more than five times its normal daily volume.
And then there’s merchandise. Augusta National’s iconic shop generates an estimated $50 million in sales annually during the event, with items like Masters-themed gnomes becoming collector’s favorites.
The Legacy and the Future
Despite Augusta National’s secretive culture and its late adoption of inclusive practices, the club and the Masters remain fixtures in American sport and business. But the story of Black golfers—past, present, and future—is still being written.
The legacy of exclusion still casts a long shadow. Yet with champions like Tiger Woods, pioneers like Charlie Sifford and Lee Elder, and grassroots efforts like the APGA Tour pushing for change, the fairways are slowly becoming more welcoming.
Golf, like America, is a work in progress—full of tradition, potential, and the constant challenge to do better.
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Douglas County celebrated zero debt, $97M in grants, and Amazon’s $11B investment at a sold-out State of the County event in Douglasville.
By Milton Kirby | Douglasville, GA| April 17, 2025
More than 300 people filled the Douglasville Conference Center on Wednesday, April 16, for the 2025 State of Douglas County Address. The event was sold out and brought together business leaders, residents, and elected officials. It was hosted by the Council for Quality Growth and the Douglas County Chamber. Amazon was the presenting sponsor.
Douglas County Chairwoman Dr. Romona Jackson Jones gave the annual speech. Her theme was “Why Not Douglas.” She spoke proudly about the county’s location near the airport and its role as the western gateway to metro Atlanta. She said these qualities help attract both small companies and big corporations.
Dr. Jackson Jones also discussed new plans to update the county’s image. This includes changes to its social media, website, and logo. A new strategic plan is coming soon. It will replace Douglas Forward 2025 and include goals and performance measures shaped by community input.
One major highlight: the county has no debt. The Chairwoman said Douglas County is using $97 million in grants and has raised over $55 million through a special purpose local option sales tax (SPLOST). These funds support public safety, parks, transportation, and other county services.
She also shared updates on $200 million worth of current infrastructure projects. These include new bus routes, connections to MARTA, and replacing 11 buses. “Transit improvements take time,” she said, “but they are worth it as the county grows.”
Economic development was another key focus. The Chairwoman said new homes are going up along Highway 92, thanks to better transit. The county is also growing its film industry. It earned a “Camera Ready” status and opened a Film and Entertainment Office.
In tech news, Douglas County has become a hub for data centers. Companies like T5, Stack, and Switch have invested in the area. The biggest news: Amazon Web Services will invest $11 billion in the county and create 550 jobs focused on artificial intelligence. It is the largest corporate investment in Georgia’s history.
Michael Paris, President of the Council for Quality Growth, said partnerships like these help guide the county’s future. “Working together ensures that we all have a voice in how we grow and thrive,” he said.
Sara Ray, President of the Douglas County Chamber, added, “Together, we inspire leadership and boost our economy.”
Other speakers included Yvette Jones, Chief Communications Officer for Douglas County, and Trevor Quander of Georgia Power. Amazon’s Terreta Rodgers also spoke, along with Danny Johnson from the Atlanta Regional Commission.
This was the sixth of eight “State of the County” events planned across metro Atlanta this year. Each one brings together local leaders, governments, and businesses to shape the future of their communities.
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Target faces growing financial and reputational fallout, losing $12.4B in revenue, stock dropping $27, and facing lawsuits after reversing diversity, equity, and inclusion policies.
By Stacy M. Brown | Washington, DC | March 31, 2025
Target continues to face mounting financial and reputational fallout after reversing course on diversity, equity, and inclusion (DEI) initiatives. The retail giant has lost more than $12.4 billion in revenue, seen its stock plunge by $27.27 per share, and is grappling with multiple lawsuits linked to its shifting DEI policies. Separate but powerful actions from Black-led organizations and faith leaders have intensified pressure on the company. Rev. Jamal Bryant launched a national Target Fast, calling for continued community mobilization. Meanwhile, the National Newspaper Publishers Association (NNPA) and the NAACP initiated public education and selective buying campaigns. While distinct in approach, the collective efforts have amplified scrutiny and economic consequences for Target. “Black consumers helped build Target into a retail giant, and now they are making their voices heard,” said Benjamin F. Chavis Jr., president and CEO of the NNPA. “If corporations believe they can roll back diversity commitments without consequence, they are mistaken.”
Photo by Milton Kirby
Early data from analytics firms Placer.ai and Numerator confirms a decline in consumer support. Numerator found that Black and Hispanic households are reducing their visits to Target at the highest rates. Placer.ai reported that on the national blackout day last month, Target saw an 11 percent decline in store traffic compared to average Friday visits. Since the company’s January 24 DEI reversal, Placer.ai data shows Target’s overall foot traffic has fallen every week. In contrast, Costco has gained ground. The warehouse chain rejected a shareholder proposal to weaken its diversity programs and stayed firm in its DEI stance. Analysts say Costco’s consistency and longstanding commitment to high wages and strong employee benefits may attract consumers frustrated with Target’s retreat. Costco’s shares have outperformed those of Walmart and Target over the same period. Walmart has also seen a dip in foot traffic, though not as sharp as Target.
While grassroots boycotts are not always financially damaging in the long term, Target’s situation may prove different. “Boycotts put a ‘negative spotlight’ on the company that can have reputational consequences,” Brayden King, professor at Northwestern University’s Kellogg School of Management, told Forbes. He noted that consumer trust, closely tied to corporate reputation, plays a critical role in shopping habits. In addition to its woes, Target issued a string of recalls in 2025 involving products sold on shelves due to undeclared allergens and injury hazards. Affected items included Gerber Soothe N Chew Teething Sticks, Dorel Safety 1st Comfort Ride and Magic Squad child car seats, Nuby stroller fans, Baby Joy highchairs, Chomps beef and turkey sticks, and Pearl Milling Company pancake mix. Rev. Bryant said Target Fast has now mobilized more than 150,000 participants and persuaded over 100 Black vendors to withdraw their products from Target. He urged continued focus and unity in holding the company accountable. “It is critical that Black people can’t afford to get A.D.D; we can’t taper off and lose synergy. It’s important that people stay the course and keep amplifying our voices because it is being heard from Wall Street to Main Street,” Bryant said. He added, “No, I’m now committed and grateful.”
Photo by Milton Kirby
According to the Birmingham Times, the New Birth Baptist Church pastor recently reported that the campaign he helped launch against Target has received robust national support.
From the Times:
The fast-selective-buying campaign, which began during the Lent Season from March 5 to April 17, targets what Bryant describes as the company’s neglect of the Black community. According to Bryant, the boycott has mobilized over 150,000 participants and persuaded over 100 Black vendors to withdraw their products from Target. The movement has led to a $12 drop per share in Target’s stock and a $2 billion decrease in its overall value.
“We just hit 150 thousand people who have signed up to be part of it, with over 100 black vendors that pulled out of Target, so the momentum is going steadily,” Bryant explained.
The NAACP and the National Newspaper Publishers Association (NNPA), representing the Black Press of America, have simultaneously announced the planning and implementation of a national public education and selective buying campaign in response to Target and other corporations that have dismantled their respective Diversity, Equity, and Inclusion (DEI) commitments, programs and staffing.
“Now is the time for the Black Press of America once again to speak and publish truth to power emphatically,” NNPA Chairman Emeritus Danny Bakewell Sr. explained.
“We are the trusted voice of Black America, and we will not be silent or nonresponsive to the rapid rise of renewed Jim Crow racist policies in corporate America,” said NNPA Chairman Bobby R. Henry Sr. “The Black Press of America continues to remain on the frontline keeping our families and communities informed and engaged on all the issues that impact our quality of life.”
Senate repeals CFPB rule capping overdraft fees, blocking future reforms. Move favors big banks, harms low-income families, and undermines consumer protections championed by Senator Warnock.
By Milton Kirby | Atlanta, GA | March 27, 2025
In a blow to consumer advocates and working families, the U.S. Senate voted 52-48 on Thursday to repeal a landmark Consumer Financial Protection Bureau (CFPB) rule that capped overdraft fees at major banks. The rule, finalized in December 2024, aimed to rein in predatory banking practices that disproportionately affect low-income and minority communities.
The resolution now heads to the House of Representatives, where a companion bill already passed the Financial Services Committee on a 30-19 vote. Passed under the Congressional Review Act (CRA), the measure not only invalidates the CFPB regulation—it also bars future administrations from implementing any “substantially similar” protections. If the House passes the resolution, it will permanently strip away guardrails meant to shield consumers from exorbitant overdraft fees.
A Hard-Fought Reform Reversed
At the heart of the controversy is the CFPB’s now-overturned rule, which targeted financial institutions with more than $10 billion in assets. Under the regulation, large banks had three choices when it came to charging overdraft fees: impose a modest $5 fee, charge only enough to cover actual costs or losses, or treat overdraft as a loan—subject to standard lending laws and consumer disclosures.
The CFPB estimated the rule would have saved Americans up to $5 billion annually, or approximately $225 per household that incurs overdraft fees. Currently, banks charge an average of $35 per overdraft transaction.
Photo by Milton Kirby
But financial industry lobbyists—backed by Republicans and some moderate Democrats—mobilized quickly to kill the rule, arguing it would limit consumer access to overdraft services. In the hours after the rule was finalized, banks filed lawsuits, and by February, Republican leaders in Congress had introduced CRA resolutions to overturn it.
Senate Banking Committee Chair Tim Scott (R-SC), who led the effort, framed the rollback as a victory for “consumer choice,” claiming that the rule was part of President Biden’s “politically motivated ‘junk fee’ agenda” meant to distract from inflation. Yet critics argue the real beneficiaries are the banks—many of which have posted record profits from overdraft fees.
Warnock’s Fight for Fairness
Today’s vote is a bitter setback for Senator Reverend Raphael Warnock (D-GA), who has championed consumer protections since taking office. In March 2023, Warnock, alongside Senator Cory Booker (D-NJ), launched a campaign demanding accountability from the ten U.S. banks that generated the most revenue from overdraft and insufficient fund fees in 2021. The senators sent formal inquiries to institutions including JPMorgan Chase, Bank of America, Wells Fargo, Truist Bank, and PNC Bank, pressing them on how they justified such steep fees.
Photo by Milton Kirby – Truist Bank
Later that year, Senator Warnock chaired a Senate Banking Subcommittee hearing on the harmful impacts of overdraft fees. In his opening remarks, he laid bare the inequities baked into the system:
“One-third of unbanked households cite high fees as the reason they remain without a bank account. These types of fees affect people of color at a disproportionate rate. Banks with branches in predominantly Black neighborhoods charge more for overdraft services. And the customers hit hardest are often low-income, have poor credit, and are disproportionately Black and Hispanic.”
Warnock’s advocacy helped pave the way for the CFPB’s December 2024 rule, which sought to close an outdated regulatory loophole that had long exempted overdraft loans from lending laws. The rule was hailed by consumer advocates as one of the most meaningful financial protections in over a decade.
A Rare Break in the Ranks
While the Senate vote fell largely along party lines, one Republican Senator Josh Hawley of Missouri broke ranks and voted to uphold the rule. “I do not want to give big banks the ability to charge people outrageous sums of money,” he said on the Senate floor, noting that the regulation would save the average working-class household about $265 a year.
His lone vote of dissent highlights the stark contrast between political rhetoric around working families and legislative action that directly impacts their wallets.
What’s Next?
With the House poised to vote on the resolution, the future of overdraft fee protections hangs in the balance. If the CRA is passed by both chambers and signed into law, it will permanently block the CFPB from revisiting the issue, leaving consumers vulnerable to high, often unexpected, fees at a time when many families are still struggling to recover from the economic shocks of inflation and housing costs.
For Senator Warnock, the fight is far from over.
“Today’s vote puts corporate profits above working people,” Warnock said in a statement. “I will continue to advocate for financial fairness and dignity, especially for those who are too often left behind by our banking system.”
In 2022, predatory payday lenders drained $2.4B in fees from low-income, largely Black and Latino borrowers through high-interest, deceptive loans, Center for Responsible Lending report finds.
By Charlene Crowell | Washington, DC | March 28, 2025
New research from the Center for Responsible Lending (CRL) finds that in just one year – 2022 – cash-strapped borrowers took out over 20 million predatory loans totaling nearly $8.6 billion. The triple-digit annual percentage rates (APRs) and high costs attached to these loans – whether payday, single-payment or installment loans – drained more than $2.4 billion in fees from low-income borrowers.
CRL’s Down the Drain, report provides an update on the effects of payday lending, including online and app-based lending, that remains dominant in low-wealth, largely Black and Latino neighborhoods. Many of these lenders use misleading advertising to lure working people into a cycle of repeat borrowing and growing fees that can leave them struggling for months to repay a debt that reduces each subsequent paycheck.
Photo By Milton Kirby TitleMax Store Front
“Payday loans are designed to trap people in debt and this report shows the scale of the harm,” said report co-author Yasmin Farahi, CRL’s deputy director of state policy and senior policy counsel. “Predatory lending is a public policy choice. Congress and policymakers in states without common sense interest rate limits should enact these usury laws and the executive branch has a duty to enforce them – that is how to keep payday loan sharks at bay.”
Predatory high-cost lenders that offer loans with triple-digit APRs and high, often hidden fees, are trying to evade responsible interest rate limits that currently are in place in 20 states and the District of Columbia.
But these consumer-oriented reforms still leave 30 states where triple-digit interests rates remain legal, including Texas (662%), California (460%), Mississippi (572%), Alabama (456%), and Wisconsin (537%).
These abusive lenders often target working households and communities of color. A 2020 poll by CRL found that Black consumers were twice as likely as white consumers to live within a mile of either a payday lender or a pawnshop. The targeting of these communities can worsen longstanding racial economic disparities.
“Although payday loan fee volume declined early in the pandemic, the Down the Drain report shows a $200 million rebound from 2021 to 2022, reflecting increased strain on consumers’ finances,” said report co-author Lucia Constantine, senior researcher at CRL. “Especially considering changes in the market toward online and longer-term loans, storefront payday lenders in 2022 continued to drain a massive amount of wealth from people and communities with very little wealth.”
Among the report’s notable findings:
• Between 2021 and 2022, payday loan fee volume increased in California by 20%, Texas by 22%, and Florida by 17%. All are bigger percent increaes than the national fee volume experienced;
• States where payday lenders took in highest fee volumes are: Texas at over $1.3 billion, Florida at over $252 million, California over $224 million, Mississippi at over $149 milion, and Michigan at over $78 million. Mississippi’s payday fee total, the fourth highest, is out of proportion to its population size, which is the 35th largest; and
• In the only two states that collect and report statistics on online lending, the share of online payday lending increased from 2019 to 2022: Alaska from 55% to 57% and in California from 25% to 49%.
“As national payday lenders have continued to close storefronts across the country, the market share of online payday lending has increased. By 2019, online lending accounted 41% of single-payment payday loan volume nationally,” states the report.
“Beyond the impacts of the pandemic, the alternative financial services market has shifted online and expanded to include underregulated products like installment loans, earned wage advance, and buy now pay later”, the report continues. “Rent-a-bank’ schemes, in which a non-bank company uses an out-of-state bank offer loans that evade state usury caps, have also made payday lending more readily available even in states with legal protections.”
