We are combining our discussion of MOVING FORWARD ONE WORLD MILITARIZED TELEMEDICINE with HOSTING SERVER NOSY NEIGHBORS AND THE GANG because the two are paired. Global banking 1% uses real businesses and enfolds organized crime to maximize profits globally.
We use ONE example of global hedge fund JOHNS HOPKINS and this FAST TRACKING of medical devices and procedures by BARBER SURGEONS who know these devices/procedures have not been tested enough---and/or know these devices do not work or are harmful.

'Wyskiel is the senior adviser in matters of innovation, commercialization and entrepreneurship. She heads up Johns Hopkins Technology Ventures, which includes technology transfer, the FastForward innovation hubs and commercial partnerships'.


Below we see that process -------this is why these few decades of CLINTON/BUSH/OBAMA have been filled with CLASS ACTION MEDICAL LAWSUITS.
WE HAVE MILLIONS OF DOLLARS AND YOU ARE HEADING FOR THE GUTTER SAYS HOSTING SERVER BARBER SURGEONS ON THE NETWORK.


'Tissue Engineers Report Knee Cartilage Repair Success With New Biomaterial
Proof-of-concept clinical trial in 18 patients shows improved tissue growth
Release Date: January 14, 2013'



We show below were a STARTUP supposedly by ordinary people is used to killl regulations and patient protections and 5 years later a GLOBAL MEDICAL CORPORATION enfolds these STARTUPS as they are identified for CLASS ACTION MEDICAL LAWSUITS.
CARTILEX founded in 2004 with FAST TRACKING is sold to GLOBAL MEDICAL CORPORATION BIOMET 5 years later.
BIOMET and ZIMMER BIOMET ARE EMBROILED IN TONS OF MEDICAL DAMAGE LAWSUITS----OWNED PRIMARILY BY GOLDMAN SACHS.



Zimmer Biomet Class Action Lawsuit Filed Over Hip, Knee ...
www.aboutlawsuits.com/zimmer-investor-class...
Jan 05, 2017 · Zimmer Biomet Holdings, Inc. faces an investor class action lawsuit, alleging that the company misled investors about problems in its supply chain that affected revenues from its hip and knee implant products. The class action lawsuit was filed on behalf...
'Intellectual property related to the hydrogel and adhesive technology is owned by The Johns Hopkins University (patent application nos. 20070098675, 20090324722 and 20100003329) and Biomet (patent application no. 7897165)'.
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'Biomet : Investor Information : Biomet acquired by Private ...
www.biomet.com/corporate/investors/biometAcquired.cfm
Sep 25, 2007 · WARSAW, Ind.--(BUSINESS WIRE)--Biomet, Inc. (NASDAQ:BMET) announced today the completion of its merger with LVB Acquisition Merger Sub, Inc., a wholly-owned subsidiary of LVB Acquisition, Inc. LVB Acquisition, Inc. is indirectly owned by investment partnerships directly or indirectly advised or managed by The Blackstone Group L.P., Goldman Sachs & Co., Kohlberg Kravis Roberts & Co. L.P. and TPG Capital'.

Biomet announces aquisition of the assets of cartilage repair company Cartilix
October 20, 2009
Warsaw, IN, October 20, 2009--Biomet, Inc., a global leader in the manufacture of orthopedic and dental medical devices, announced today its acquisition of the assets of Cartilix, a Foster City, CA based company that has developed proprietary cartilage repair technology. Cartilix was founded in 2004 to develop cartilage repair and regeneration solutions. The company developed ChonDux™, a proprietary cartilage regeneration technology for repair of knee cartilage. ChonDux™ technology uses a biological adhesive and hydrogel to fill articular cartilage lesions.


ChonDux™ technology is not yet commercially available. Clinical trials are scheduled to begin in Europe during the first half of 2010 with a U.S. clinical trial anticipated to follow thereafter. Jeff Binder, Biomet President and CEO, stated: “We believe that Cartilix’s technology platform is a great fit for Biomet’s continuum of solutions for knee disorders. Biomet has a rapidly-growing sports medicine franchise, the world’s leading partial knee replacement system, and the most comprehensive total knee replacement system on the market, allowing us to provide a broad spectrum of solutions for varying degrees of knee disorders. The Cartilix technology provides Biomet with an opportunity to facilitate earlier intervention in pre-arthritic patients.”


About Biomet
Biomet, Inc. and its subsidiaries design, manufacture and market products used primarily by musculoskeletal medical specialists in both surgical and non-surgical therapy. Biomet’s product portfolio encompasses reconstructive products, including orthopedic joint replacement devices, bone cements and accessories, autologous therapies and dental reconstructive implants; fixation products, including electrical bone growth stimulators, internal and external orthopedic fixation devices, craniomaxillofacial implants and bone substitute materials; spinal products, including spinal stimulation devices, spinal hardware and orthobiologics; and other products, such as arthroscopy products and softgoods and bracing products. Headquartered in Warsaw, Indiana, Biomet and its subsidiaries currently distribute products in approximately 90 countries.




This is who controls MOVING FORWARD TELEMEDICINE FOR ALL-------social benefit? OH, REALLY?


Impact Beyond Returns

blackstone.com
Home
Impact Beyond Returns
Impact Beyond Returns


Who Owns Biomet Now
November 10, 2007
WARSAW, Ind.- -(BUSINESS WIRE)- -Biomet, Inc. (Nasdaq:bmet) affirmed today the culmination of its merger with LVB Acquisition Merger Sub, Inc., a wholly-claimed subsidiary of LVB Acquisition, Inc. LVB Acquisition, Inc. is basically owned and administered by The Blackstone Group L.P., Goldman Sachs & Co., Kohlberg Kravis Roberts & Co. L.P. also TPG Capital.



In accordance with the merger, shareholders (other than LVB Acquisition Merger Sub, Inc. alternately LVB Acquisition, Inc.) will appropriate $46.00 in money, without premium and less any presupposed withholding charges, for each one.


The Blackstone Group is a worldwide elective stake supervisor and supplier of fiscal consultative administrations. The Blackstone Group is one of the biggest autonomous elective stake supervisors on the planet. Its elective possession administration organizations incorporate the administration of corporate private value supports, land chance subsidizes, supports of mutual funds, mezzanine reserves, senior obligation supports, restrictive flexible investments and shut end shared trusts. The Blackstone Group likewise gives different monetary consultative administrations, incorporating mergers and acquisitions admonitory, rebuilding and rearrangement admonitory and store situation administrations. For further data visit: http://www.blackstone.com.


Established in 1869, Goldman Sachs is one of the most senior and biggest speculation saving money firms. Goldman Sachs is likewise a worldwide guide in private corporate value and mezzanine contributing. Built in 1991, the GS Capital Partners Funds are part of the association's Principal Investment Area in the Merchant Banking Division, which has framed 13 speculation vehicles totaling $56 billion of cash flow to date.



While this happened quite some time ago, it shows that Biomet is a part of some much larger companies with big influence. Such a juggernaut of business can be difficult, although not impossible, to overcome with Class Action Lawsuits.


________________________________________

Below we see EVERGREENING-------GATEWAY MEDICINE where FEDERAL money and private medical insurance is paying BARBER SURGEONS to install FAKE MEDICAL PRODUCTS and PROCEDURES and paying them to REMOVE those deemed HARMFUL/DEADLY.


IT IS ORGANIZED CRIME AND FEDERAL RACKETEERING RACKET.


My case against HOSTING SERVER NOSY NEIGHBORS AND THE GANG is organized crime teaming with BARBER SURGEONS in this case it is MENTAL HEALTH patented procedures and devices being FAST TRACKED becoming our US mainstream SOCIAL WORKER as community mental health care.


Here in Baltimore what seems to be NATIONAL PSYCHIATRIC NURSING ASSOCIATION embraces GOLDMAN SACHS and deBEERS global banking and mining -------MENTAL HEALTH POLICIES.


STANFORD TOTAL PRISON MODEL with CHINESE SOCIAL CREDIT SCORE being TRANSFORMATIONAL in our US society ----MOVING FORWARD far-right wing, authoritarian, militaristic -------nihilistic extreme wealth extreme poverty-----


LIBERTARIAN MARXISM.
CORPORATIONS OWN PEOPLE---PEOPLE HAVE NO RIGHTS.
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Biomet Shoulder Replacement Class Action Lawsuit | Biomet ...
www.classactionlawsuithelp.com/biomet-shoulder...
Biomet Shoulder Replacement Class Action Lawsuit. The FDA has announced a Class I Recall for the Zimmer Biomet Comprehensive Reverse Shoulder after the device was linked to high rates of fracture, which could require revision surgery leading to adverse health complications.
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Zimmer Biomet SpF Bone Stimulator Recall Issued Due to ...
www.aboutlawsuits.com/zimmer-bone-stimulator...
Dec 05, 2018 · Zimmer Biomet SpF Bone Stimulator Recall Issued Due to Cleanliness Concerns. Some Zimmer Biomet bone growth and spinal fusion simulators are being recalled because the manufacturer and regulators cannot be certain the devices are free from bacteria and chemical residue, which could increase the risk of injury or death for patients.
********************************************
What Are Common Bone Cement Complications?
Medical professionals have reported cases of bone cement fragmenting, leaking into the bloodstream and surrounding tissue, and causing a number of life-threatening conditions.
**************************************************
Zimmer Biomet Announces Multinational Distribution Agreement with Align Technology for iTero Element® Intraoral Scanners
(WARSAW, Ind.) September 19, 2019 - Zimmer Biomet Holdings, Inc. (NYSE and SIX: ZBH), a global leader in musculoskeletal healthcare, today announced a multinational distribution agreement with Align Technology, Inc. (NASDAQ: ALGN), for the award-winning iTero Element family of intraoral scanners. Terms of the agreement have not been disclosed. The agreement expands Zimmer Biomet’s global footprint in the rapidly growing market for digital restorative dentistry solutions.
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We will end for this week's discussion of RANDOM public policy tied to my case of HOSTING SERVER NOSY NEIGHBORS AND THE GANG reminding our US 99% WE THE PEOPLE black, white, and brown citizens and new to US immigrants ---that these few decades of CLINTON/BUSH/OBAMA have killed our US PUBLIC MILITARY and replaced with global banking 1% mercenary military complex-----nothing ALL-AMERICAN happening with this.

This article written by a FAKE GLOBAL BANKING 1% DEMOCRACY NOW------gives the impression that BLACKWATER AND PRINCE are after PROGRESSIVE GROUPS-----well, indeed this is the military structure to my case of NOSY NEIGHBORS AND THE GANG as 24/7 video PORN----HITTING.

What is not true is this--------BLACKWATER and PRINCE are global banking 1% NEO-LIBERAL----making the rich progressively richer. PRINCE is an ECONOMIC PROGRESSIVE LIBERTARIAN.

The HITTING done through all kinds of structures from organized crime to global institutions is taking our US 99% WE THE PEOPLE to CHINESE extreme wealth extreme poverty ===LIBERTARIAN MARXISM----that is who PRINCE is.

We stated a year ago after discovering we were IMPLANTED AND BEING HIT-----that these private global security corporations were likely paying/supporting groups like NOSY NEIGHBORS AND THE GANG.....also, tying to global ONE WORLD MILITARIZED TELEMEDICINE FOR ALL.



Blackwater Founder Erik Prince Recruited Spies to Infiltrate Progressive Groups with Project VeritasStory

March 09, 2020Watch Full Show

Guests

• Matthew Cole
  investigative journalist for The Intercept.

Erik Prince, the founder of the mercenary firm Blackwater and brother of Education Secretary Betsy DeVos, helped recruit former spies to infiltrate and gather intelligence about Democratic campaigns and labor organizations, including the American Federation of Teachers, according to an explosive report by The New York Times. The story exposes previously unreported details about the ties between Prince and Project Veritas, a right-wing group that often sets up sting operations targeting the media and journalists by recording covert videos. According to documents and interviews, one former spy recruited by Erik Prince helped run an operation to secretly tape leaders in the Michigan office of the American Federation of Teachers in 2017. In another instance, in 2018, the same undercover operative who gathered information about the AFT infiltrated the congressional campaign of former CIA officer Abigail Spanberger, who was running for Congress representing Virginia as a Democrat.


We are joined by The Intercept’s investigative reporter Matthew Cole, who first broke the story of Erik Prince’s ties to the Trump administration last year.

THIS DOES NOT HAVE ANYTHING TO DO WITH TRUMP------THIS STRUCTURE HAS BEEN HITTING REAL LEFT SOCIAL PROGRESSIVES THROUGHOUT CLINTON/BUSH/OBAMA AS FAKE MEDIA OUTLET------INTERCEPT KNOWS.


Transcript


This is a rush transcript. Copy may not be in its final form.AMY GOODMAN: This is Democracy Now! I’m Amy Goodman. Erik Prince, the founder of the mercenary firm Blackwater, brother of Education Secretary Betsy DeVos, helped recruit former spies to infiltrate and gather intelligence about a Democratic congressional campaign and the American Federation of Teachers. That’s according to an explosive new New York Times report that exposes previously unreported details about the ties between Prince and Project Veritas, a right-wing group that often sets up sting operations, targeting, oh, everyone from Planned Parenthood to journalists, by recording covert videos.



According to The New York Times, one former spy recruited by Erik Prince helped run a Project Veritas operation to secretly tape leaders of the Michigan office of the American Federation of Teachers in 2017.



The spy, named Richard Seddon, directed an undercover operative to gather and make public information that could damage the union. In response to The New York Times report, Derek Martin, director of the consumer watchdog Allied Progress, said, quote, “There’s not a lot of dots to connect here. Secretary DeVos’ brother was directly involved in a spying scheme in her home state against a teachers’ union she’s been hostile with for years. If this doesn’t clear the bar for an immediate Congressional investigation, nothing does,” he said.



In another instance in 2018, the same undercover operative who gathered information about the American Federation of Teachers infiltrated the congressional campaign of former CIA officer Abigail Spanberger, who was running and eventually won her seat in Congress, representing Virginia as a Democrat. The campaign fired the operative after discovering the operative’s identity.



Well, for more, we’re joined by The Intercept's Matthew Cole. He's the investigative journalist who first broke the story of Erik Prince’s ties to the Trump administration last year in his story headlined “The Complete Mercenary: How Erik Prince Used the Rise of Trump to Make an Improbable Comeback.” His latest piece, “The FBI Is Investigating Erik Prince for Trying to Weaponize Crop Dusters,” has recently been published.



It’s great to have you with us. So, let’s talk, Matthew, about this explosive front-page New York Times piece, that really is coming off of your investigation.


MATTHEW COLE: Yeah, what The New York Times was able to do was to figure out where Erik Prince’s team of former spies had helped Project Veritas in operations. What I reported last year for the first time was that Prince had paid for and arranged for training for Project Veritas.



AMY GOODMAN: And explain what Project Veritas is.
MATTHEW COLE: So, Project Veritas is run by a gentleman named James O’Keefe. And they purport to highlight and expose liberal bias and agendas and progressive agendas in organizations, news organizations, Planned Parenthood, as you described. They, early on, were involved in sacking — they’ve been successful in exposing some stuff at ACORN, I think in 2009, just after Obama had come in. They often find people who are at the bottom of organizations — and I say, by “the bottom,” not the leaders, but people who are working on sort of ground level — saying things that they probably shouldn’t say on camera but often reflect an individual’s viewpoint rather than an entire organization’s. They then cut that video and blast it out and make a media spectacle out of it.


And in some cases, some of the things they have done have been legitimate. Most of what they’ve done has been ham-handed or illegitimate. But without fail, they focus only on liberal and progressive organizations, whether it’s Democratic campaigns — now we know the teachers’ union — and news organizations. They are not interested in looking at anything on the right side of the political spectrum.
AMY GOODMAN: So, go back to what Erik Prince did in recruiting these spies.
MATTHEW COLE: So, Prince has for years helped fund them. He was — you know, you have to understand that Project Veritas got its funding — they’re a nonprofit — from conservative organizations, the Mercer family, the Erik Prince family, Betsy DeVos, who is Erik Prince’s brother. They have been funding them. Coming into the --



AMY GOODMAN: Erik Prince’s sister.
MATTHEW COLE: Erik Prince’s sister. Coming into the 2016 election, Erik Prince decided that what Project Veritas needed was better training. And the training that they needed specifically was to get from former spies. So, in 2016, he hires a former spy, American spy, to do the training. I reported that. That training failed. The former spy quit because he thought that they weren’t serious people. It wasn’t going to stop Erik Prince. After Trump wins the election --


AMY GOODMAN: He was with him election night.
MATTHEW COLE: He was with him election night, he and his wife. After the election and the inauguration, Erik Prince arranges for a former MI6 officer named Richard Seddon --


AMY GOODMAN: British intelligence.
MATTHEW COLE: British intelligence — to train Project Veritas at the Prince family ranch in Wyoming. And what he gives them is a series of weapons training, secret video camera, you know, undercover video camera work, elicitation. He’s teaching them to be spies. And at the time, O’Keefe and one of the other Project Veritas members tweeted out and put on Instagram what they were doing. They described it as from a classified location and special training, and described their organization not as journalists, which publicly and today James O’Keefe will say and defend himself. They were describing themselves as the next great intelligence agency. And that’s a key thing.


What I reported last year was that after Erik Prince trained them, Erik Prince sought to use Project Veritas for his own operations and a business opportunity abroad as undercover spies. And it’s important to understand that when you start to mix spying with domestic political operations, you’re looking at a Nixonian-era system of domestic black bag jobs. And that is where we see Erik Prince now, is moving in that direction. And that is what is actually really frightening here.

AMY GOODMAN: So, talk about these two examples that the Times exposes, the Michigan chapter of the American Federation of Teachers and then Abigail Spanberger’s campaign in Virginia.



MATTHEW COLE: Yeah, so, Veritas had long been trying to seed their people inside of Democratic members of Congress and the Senate. And there were efforts on the House and in Congress with a picture of people — literally, a photo sheet, a facebook, that identified Veritas undercover members so that they couldn’t — they could be caught. And what they got was better at what they were doing, although in this case they were caught. There were suspicions, when I was reporting my story last year, that Veritas had been involved in the teachers’ federation in Michigan. There was an obvious connection there between Betsy DeVos and her antagonism and antipathy towards the teachers’ federation and in Michigan, where Erik and Betsy, they grew up in western Michigan, Holland, Michigan, specifically.
AMY GOODMAN: And where there’s a primary tomorrow.



MATTHEW COLE: Where there’s a primary tomorrow. And what Veritas did was they used the British spies to help run the operation. So they run — you know, the people who were undercover were not former spies. They were not former foreign intelligence officers. What they had were the professionals running the operation from the outside, directing them. They had given them training. Now they were going to direct them. And that’s what the Times was able to find, was how Prince had used these spies to help run and sort of elevate and improve Veritas’ ability to get inside organizations and pull documents out.



AMY GOODMAN: And how did it affect the Michigan Federation of Teachers and also Abigail Spanberger? Interestingly, she is a former CIA official. She has worked for the CIA. And she was able to find the spy within her organization and fired her.



MATTHEW COLE: Yeah. Like I said, Congress had — the Democrats in Congress have a list that they share, because they all know that they are being targeted by Project Veritas. And in this case, they were able to catch the person who had come in as an intern to work in the office.


In Michigan, the exposé that Project Veritas did and a video that they put out resulted in a lawsuit. The federation, teachers’ federation there, has been suing Project Veritas for a variety of crimes, under the notion that this had been a spying operation, not some disgruntled whistleblower. And that’s often what Veritas presents itself as, you know, an organization that gets whistleblowers from the inside. In fact, what they’re often doing, they’re seeding people in under false pretenses and then exfiltrating data and information.
AMY GOODMAN: They also succeeded in getting an ABC reporter suspended, David Wright. You used to work for ABC.
MATTHEW COLE: I used to work for ABC. And, you know, again, I think this — the ABC case is actually a fantastic example of what they do. They got a reporter to give his personal opinions, who makes a statement and qualifies what he’s about to say as not in his professional capacity but in his personal capacity, and then blast it out as liberal bias in media.



AMY GOODMAN: Talking about Medicare for All.
MATTHEW COLE: Yeah, I mean, it was absurd. But, you know, one thing that needs to be — I need to mention here about Project Veritas is that in 2017 they tried to get The Washington Post to run a false story during the Roy Moore scandal down in the --


AMY GOODMAN: Alabama.
MATTHEW COLE: — Alabama Senate seat election. And what they did was they sent one of their operatives in posing as a victim, a sexual assault victim of Roy Moore. And the idea was to get the Post to run a fake story. Now, let’s let that sink in for a second. Now --
AMY GOODMAN: We have 10 seconds.



MATTHEW COLE: They were caught. And what we believe is, is that there was some awareness or coordination by the Trump White House and administration that Project Veritas was targeting The Washington Post. But that is — if that’s the case, that is literally selling fake news and trying to seed in propaganda.

AMY GOODMAN: And now people are calling for a congressional investigation. Matthew Cole, I want you to stay here. We’re going to do Part 2 and put it online at democracynow.org. Matthew Cole, investigative journalist for The Intercept. That does it for our show. I’m Amy Goodman. Thanks so much for joining us.

Chinese re-education with STANFORD TOTAL PRISON MODEL is based upon the idea that individuals do not need to CONSENT----or be INFORMED-----or be WILLING. The assumption in China is that the AUTHORITIES KNOW what is best.

We remind our US 99% WE THE PEOPLE what is happening these few decades of CLINTON/BUSH/OBAMA is the dismantlement of all those MEDICAL PATIENT PROTECTIONS----and a skewing of rights of patients to control their body sovereignty.

Below we see in 2002 a beginning of this dismantlement----NO CLEAR COERCION present . What happened between 2000 and today is the weakening and transition of when a patient is

'persons who may hope or believe that the facilities' physicians and administrators would consider an early release if they agree to assist with these trials'.


'It follows, therefore, that for research of this kind to proceed with patients who have impaired decision-making capacity, in some patients it must do so without their consent'.

So, the definition and categorization of people UNABLE TO OR HAVING IMPAIRED DECISION-MAKING CAPACITY has taken over.

THIS IS HOW POPULATION GROUPS DEEMED ======'THEM' OR INDIVIDUALS BECOME TARGETED IN ANY FAR-RIGHT GLOBAL CORPORATE FASCIST MARXISM.

**********************************************************************

'BMJ. 2002 Sep 21; 325(7365): 648–651.
PMCID: PMC1124166

For and against

No consent should be needed for using leftover body material for scientific purposes
Copyright and License information Disclaimer


See "Informed consent for genetic research on blood stored for more than a decade: a population based study" on page 634.

In Britain the Alder Hey scandal brought to public attention the fact that body material left over after diagnostic procedures may be used for teaching and research—'

'All treatment decisions must be made by the patient without coercion. Usually there is no clear coercion present, but if it is suspected, a few private conversations with the patient may be all that is required to clarify this.

Legally, coercion has been of greatest concern in clinical or research studies conducted at prisons and locked state mental hospitals where there are fixed groups of persons who may hope or believe that the facilities' physicians and administrators would consider an early release if they agree to assist with these trials'.


Today, there is not even rights to take or use our TISSUE CELLS-------so, criminally implanting people or attempting MIND CONTROL of a sovereign body is NOT LEGAL------

THE FEDS WANT TO STOP THEM.


Scientists want to do research on your tissues without asking you first

And the Feds want to stop them
By Arielle Duhaime-Ross@adrs Jan 5, 2016, 5:09pm EST


Right now, tissues belonging to millions of Americans are being used in scientific research without patients' consent. That's because a rule designed long before genetic analysis was able to reidentify samples makes it legal to do so. If that makes you uncomfortable, then you have until tomorrow night to let the US government know.
Currently, scientists are allowed to use leftover tissues from blood tests, surgeries, and biopsies for research without patients' permission if the patient’s identity is removed. But now that genetic testing has made it possible to link tissues back to their donors, the US government wants to change that. That's why federal regulators have proposed a number of revisions to the Federal Policy for Protection of Human Subjects — a policy that regulates research on humans as well as on their tissues and genes. Among these changes is a proposal that would require that scientists obtain consent for research on biospecimens, regardless of whether the tissues are anonymous or not.
Requiring informed consent could limit "the diversity of patient populations."
The proposed changes are controversial. Involving donors in research might help scientists get better information about the tissues they're working on. Requiring consent might also give donors more control over the ways their tissues are used. Finally, a new consent rule might prevent nasty surprises for donors should their tissues ever be reidentified using genetic analysis. "All research should be done in total transparency, with informed consent, and a reasonable measure of control given to participants," Lauren Wendelken, who identified herself as a former clinical biomedical researcher, wrote in the comments tied to the proposal. But some researchers say that the new rule would lead to a burdensome increase in the amount of work involved in obtaining tissues. Scientists also worry that they won’t get as many tissues if donors have the option of saying no.


Hmmmm, only this research is not consented----not done with transparency---with little control given to participants.


"Requiring informed consent would add considerable time and expense to anticipated studies, potentially limiting the diversity of patient populations and the types of pathogens observed," the Infectious Diseases Society of America, the HIV Medicine Association, and the Pediatric Infectious Diseases Society wrote in a comment. "This change from current requirements would have a chilling effect on many types of research that rely on the use of stored biospecimens."

Scientists’ concerns that patients might not want to participate may be unfounded. "People have told me by the thousands, and numerous public opinion studies find the same: they want to know if their biospecimens are used in research, and they want to be asked first," Rebecca Skloot, author of The Immortal Life of Henrietta Lacks, wrote in a New York Times opinion piece last month. Most will probably say "yes" because people understand the importance of scientific research, she says. "They just don’t want to find out later."

People "want to know if their biospecimens are used in research."
The new rule would only apply to new samples, which means the millions of anonymous biospecimens currently housed in US labs would still be fair game. Still, a change like that could affect scientific research for decades to come. Without biospecimens, numerous advances in diseases such as cancer and diabetes would not have been possible. But the original rules were written before concerns over genetic privacy became mainstream.
The government has posted a summary of the proposal, as well as a series of videos that explain the changes. The changes are open for public comment until tomorrow, January 6th, at 11:59PM.

_________________________________________


Here in US global banking 1% are doing the same thing with our global labor pool 99% pushing out our US 99% WE THE PEOPLE and moving 'refugees' into what will be this same FORCED SLAVE LABOR.  While global banking 1% MOVES FORWARD they use terms like COEXIST------BE KIND----SANCTUARY CITY/STATE welcoming these refugees with RE-EDUCATION to followed by these same CHINESE GLOBAL FACTORY enslavement structures.

BE KIND does mean HITTING people different than you

COEXIST does not mean  MY WAY OR THE HIGHWAY

SANCTUARY CITY/STATE does not mean STANFORD TOTAL PRISON MODEL

This is what is happening in all US CITIES deemed FOREIGN ECONOMIC ZONES.

'After intense international criticism of the Communist Party’s campaign to forcibly assimilate the mostly Muslim Uighur minority by detaining more than a million people in reeducation camps, party officials said last year that most have “graduated” and been released'.

This is not only happening to new immigrants ---it is happening to our US 99% WE THE PEOPLE------GET USED TO IT SAYS HOSTING SERVER NOSY NEIGHBORS AND THE GANG.

Here we see the staging of the same thing in US -----ARIZONA ready to be CHINESE LIBERTARIAN MARXISTS.



A Nike manufacturing plant could bring 500 jobs to metro Phoenix's west side
Joshua Bowling, The Republic | azcentral.com Published 1:23 p.m. MT July 1, 2019 | Updated 7:19 p.m. MT July 1, 2019


Asia & PacificChina compels Uighurs to work in shoe factory that supplies Nike
The posters on the wall alongside the Qingdao Taekwang Shoes Co. factory — the side where the Uighur workers enter and exit, and live in dorms — feature Communist Party propaganda extolling “China dream” and “Uphold national spirit to unite and make all of China strong.”

HMMM, AMERICA'S DREAM MEETS KEEP AMERICA STRONG---WHILE COEXISTING.


Another says: “All ethnicities are united as one family.” (Anna Fifield/The Washington Post)
By
Anna Fifield 
Feb. 29, 2020 at 1:30 p.m. ESTLAIXI, China — The workers in standard-issue blue jackets stitch and glue and press together about 8 million pairs of Nikes each year at Qingdao Taekwang Shoes Co., a Nike supplier for more than 30 years and one of the American brand's largest factories.
They churn out pair after pair of Shox, with their springy shock absorbers in the heels, and the signature Air Max, plus seven other lines of sports shoes.
But hundreds of these workers did not choose to be here: They are ethnic Uighurs from China’s western Xinjiang region, sent here by local authorities in groups of 50 to toil far from home.

After intense international criticism of the Communist Party’s campaign to forcibly assimilate the mostly Muslim Uighur minority by detaining more than a million people in reeducation camps, party officials said last year that most have “graduated” and been released.
But there is new evidence to show that the Chinese authorities are moving Uighurs into government-directed labor around the country as part of the central government’s “Xinjiang Aid” initiative. For the party, this would help meet its poverty-alleviation goals but also allow it to further control the Uighur population and break familial bonds.

The menu at the local Muslim restaurant, which steaming bowls of noodles and meat in soup, has had the Arabic writing taped over, in accordance with government directives. The word “halal” in particular has been scrubbed out across China. (Anna Fifield/The Washington Post)“We can walk around, but we can’t go back [to Xinjiang] on our own,” said one Uighur woman in broken Mandarin as she browsed the street stalls at the factory gate on a recent afternoon. Nervous about being seen talking to a reporter, she quickly scurried away.
When their shifts end, the Uighur workers — almost all women in their 20s or younger — use hand gestures and rudimentary Mandarin to buy dried fruit, socks and sanitary pads at the stalls. Then they walk around the corner, past the factory’s police station — adorned with Uighur writing telling them to “stay loyal to the party” and “have clear-cut discipline” — to dormitories where they live under constant supervision.
The Uighur workers are afraid or unable to interact with anyone in this town, north of Qingdao, beyond the most superficial of transactions at the stalls or in local stores, vendors say. But the catalyst for their arrival here is well understood.
“Everyone knows they didn’t come here of their own free will. They were brought here,” said one fruit-seller as she set up her stall. “The Uighurs had to come because they didn’t have an option. The government sent them here,” another vendor told The Washington Post.


The Post did not ask for their names, out of concern for their safety and so they could discuss an issue that is highly sensitive in China. (While visiting Laixi, this Post reporter was surrounded by seven police officers, questioned, and ordered to leave town.)

The Taekwang factory is one of many where Uighurs are working “under conditions that strongly suggest forced labor” to make goods for more than 80 established global brands, according to a forthcoming report from the Australian Strategic Policy Institute, a Canberra-based think tank.
“The Chinese government is now exporting the punitive culture and ethos of Xinjiang’s ‘reeducation camps’ to factories across China,” said Vicky Xiuzhong Xu, the study’s lead author. In some cases, they found evidence that Uighurs were transferred directly from internment camps to factories.


“For the Chinese state, the goal is to ‘sinicize’ the Uighurs; for local governments, private brokers and factories, they get a sum of money per head in these labor transfers,” Xu said.
Asked about Uighur workers in the factory, Nike said that “we respect human rights in our extended value chain, and always strive to conduct business ethically and responsibly.”
“We are committed to upholding international labor standards globally,” said Nike spokeswoman Sandra Carreon-John, adding that its suppliers are “strictly prohibited from using any type of prison, forced, bonded or indentured labor.”
Kim Jae-min, chief executive of Taekwang, the factory’s South Korean parent company, said about 600 Uighurs were among 7,100 workers at the plant. Nike’s manufacturing map shows that the factory has 4,095 employees, of whom 3,445 are “line workers.”


“The purpose of bringing in migrant Xinjiang workers (in addition to other migrant Han Chinese workers) is to offset the local labor shortage, due to increasing number of competing industries for workers in our area,” Kim said in a statement.

CHINA HAS THE SAME LABOR SHORTAGE AS THE US-----WITH 2 BILLION CHINESE PEOPLE.
'Listen to the party's words'The ASPI report conservatively estimates that more than 80,000 Uighurs were transferred from Xinjiang  to work in factories across China between 2017 and 2019. This figure is consistent with reporting from China’s state broadcaster, which said in November that the Xinjiang government wanted to transfer out 100,000 “surplus laborers” between 2018 and 2020.


Sending young Uighurs away to work can change their mind-set by “distancing them from religiously extreme views and educating them,” said one local government report.
Xinjiang’s Turkic language-speaking, mostly Muslim Uighurs have much more in common with the cultures of central Asia than with China’s Mandarin-speaking Han majority, and have long chafed at Beijing’s oppressive rule.

For China’s embattled Uighurs, a bank transfer abroad can become a ‘terrorism’ ordeal
By the party’s own count, tens of thousands of Uighurs have been sent to Guangdong and Fujian provinces in the south, and to Zhejiang, Anhui and Shandong in the east.
State media reports have described “poor farmers and herdsmen” sent to enterprises inside and outside Xinjiang, portraying them as grateful. “We will feel the party’s favor, listen to the party’s words and follow the party wherever and whenever we go,” a 20-year-old called Zulinar Idris was quoted as saying.
An industry of middlemen has cropped up to facilitate the dispatch of Uighurs, touting “semi-military-style management” and “government management with police stationed at factories.”
In its report, ASPI said it had found evidence that Uighurs were being exploited and that foreign and Chinese companies were involved, possibly unknowingly, in human rights abuses.
_________________________________________


Let's just look at some of these names MOVING FORWARD continuous wars ---civil unrest this time in GERMANY. GERMANY is said to become NATIONAL SOCIALISTS just as MODI in India-----Greeks in Greece ----here in US as well.
REAL LEFT SOCIAL PROGRESSIVES have shouted for these few decades CLINTON/BUSH/OBAMA ROBBER BARON frauds were leading to civil unrest civil war to be entwined with WW3 over in OLD WORLD.
TRUMP IS FASCIST-----SANDERS IS MARXIST -----BOTH ARE LIBERTARIAN MARXISM----MOVING FORWARD ONE WORLD ---SAME PEOPLE.
In US TRUMP is the MADMAN-----in GERMANY CHRISTIAN HIRTE with MERKEL'S government is tied to FASCIST NAZIS. HIRTE and MERKEL are both from EASTERN BLOCK------
HIRTE is HIRTH is TRIBE OF JUDAH----MERKEL is TRIBE OF JUDAH.
HIRTE as CHRISTIAN DEMOCRATIC UNION is not CHRISTIAN---MERKEL is not CHRISTIAN----they may not even be Jewish. We call MARXISTS FAKE religious no matter the population group.

We've discuss in detail how WW2 HITLER had JEWISH and CATHOLIC NAZI FASCISTS-----same happening now.
'Germans Unnerved by Political Turmoil That Echoes Nazi Era
Germans took to the streets in protest this week when the far right and Chancellor Merkel’s conservatives voted together in a local power struggle. To some, it was like “the Third Reich has been resurrected.”'It did not help that Thuringia is precisely where, in the dying days of the Weimar Republic more than 90 years ago, the Nazis first won power locally, before going on to win nationally — with the help of conservative parties.
This history echoed loudly across the country'.


HIRTE as leading INDO-GERMAN global economics is NOT a German nationalist----he is a globalist and likely a NEO-LIBERAL.


'Hirth Genealogy
The vast majority of Argentine Jews are descended from immigrants who arrived from Europe. These ashkenazic Jews migrated from small towns or shtetels of Poland, Lithuania, Russia, Germany, Romania or Ukraine, leaving behind most of their Jewish relatives'.
INDO-GERMAN YOUNG LEADERS FORUM
'Christian Hirte, a member of Merkel’s Christian Democratic Union who was the government’s commissioner for the formerly communist east and a deputy economy minister',
'Parliamentary State Secretary Christian Hirte accompanying ...
www.bmwi.de/Redaktion/EN/Pressemitteilungen/2018/...
Christian Hirte, Parliamentary State Secretary at the Federal Ministry for Economic Affairs and Energy, is accompanying Federal President Dr Frank-Walter Steinmeier on his visit to Delhi and Chennai from 21 to 26 March 2018 as head of the business delegation. State Secretary Hirte said: "India is a country of opportunities'.
*******************************************************
The point is this: what is being called the FAR-RIGHT HITLER NAZI movement is FAKE CIVIL UNREST CIVIL WAR with goals of leading to WW3.
WHY NOW? GLOBAL BANKING 1% ROBBER BARON FEW DECADES IS OVER ---NOW THEY NEED WAR FOR DEATH AND DESTRUCTION.
Angela Merkel, née Angela Dorothea Kasner, (born July 17, 1954, Hamburg, West Germany),
'Edward Kasner - Wikipedia
en.wikipedia.org/wiki/Edward_Kasner
Edward Kasner (April 2, 1878 – January 7, 1955) was a prominent American mathematician who was appointed Tutor on Mathematics in the Columbia University Mathematics Department. Kasner was the first Jew appointed to a faculty position in the sciences at Columbia University'.



Germany’s Merkel fires party official following far-right election fiascoChristian Hirte of German leader’s CDU had congratulated new state governor, elected with help of AfD, leading to calls for his removal by chancellor’s coalition partnersBy Agencies 8 February 2020, 3:02 pm


BERLIN (AP) — German Chancellor Angela Merkel on Saturday fired a government official whose congratulating of a state governor elected with a far-right party’s help angered Merkel’s coalition partners.
Christian Hirte, a member of Merkel’s Christian Democratic Union who was the government’s commissioner for the formerly communist east and a deputy economy minister, tweeted that he resigned after Merkel told him he could no longer do the job. Merkel’s spokesman, Steffen Seibert, confirmed his dismissal.

Hirte’s departure is the latest fallout from the shock election Wednesday of pro-business politician Thomas Kemmerich as governor of the eastern state of Thuringia. The far-right Alternative for Germany, or AfD, enabled it by supporting him in a vote in the state legislature — as did the regional branch of Merkel’s CDU, against the wishes of its national leadership.

Kemmerich’s acceptance of AfD’s votes appalled left-leaning parties and many in his own center-right camp. Merkel called his election “inexcusable.” The politician from the small Free Democrats announced the day after he was elected that he planned to step down, though it isn’t yet clear when that will happen or whether the state will hold a new election.
Hirte, a deputy leader of the CDU’s Thuringia branch who sits in the national parliament, had congratulated Kemmerich on his “election as a candidate of the center,” tweeting that it showed the state had voted out its previous left-wing government, and making no mention of AfD’s role.


The center-left Social Democratic Party (SPD), Merkel’s junior partners in her often-tense national governing coalition, said Hirte couldn’t stay in his job.

Politicians said accepting votes from AfD broke a taboo and was unacceptable.
Coalition leaders were meeting Saturday to discuss the Thuringia mess, which has prompted new criticism of the leadership of Merkel’s successor as CDU chairwoman, Annegret Kramp-Karrenbauer.
Merkel has vowed that her party will never work with the anti-Islam, anti-immigrant AfD, on a regional or national level.


Kemmerich, from the liberal Free Democrats (FDP), said Thursday: “We want new elections to remove the stain of the AfD’s support from the office of the premiership.”
Thousands took to the streets in cities across Germany late Wednesday to vent their dismay at the vote outcome, including in Berlin, Frankfurt and Thuringia’s capital Erfurt.
Some carried signs that read “Never again,” while others recalled that it was in Thuringia in 1930 that a Nazi minister was first allowed into government.
The aftershocks of the crisis were being felt in Berlin too, since Thuringian state lawmakers from Merkel’s own CDU lined up with the FDP and far right in voting for Kemmerich over popular incumbent Bodo Ramelow from the far-left Die Linke.
Merkel called Wednesday’s vote “a bad day for democracy” and said the role played by her local allies “broke with the values and convictions of the CDU.”
In states across Germany’s former communist east, the AfD is a major political force and mainstream parties are increasingly scrambling to keep it locked out of the corridors of power.
In Thuringia, the AfD is led by Bjoern Hoecke, one of the party’s most radical figures who has called for a “180-degree turn” in Germany’s atonement for Nazi crimes.

A picture of Hoecke shaking hands with Kemmerich after the election win was splashed across the front pages of several German newspapers.
“The handshake of shame,” screamed best-selling daily Bild, slamming Kemmerich for “letting himself be elected by a neo-Nazi.”

On social media, the picture was quickly twinned with one of Adolf Hitler shaking hands with German president Paul von Hindenburg in 1933, the year Hitler became chancellor.
Since its creation in 2003, the AfD has gone from strength to strength in Germany, capitalizing on anger over Merkel’s 2015 decision to allow in over a million Middle Eastern asylum seekers.

At the last general election, the party scored almost 13 percent nationwide and won its first seats in the German parliament.
The SPD’s leader Norbert Walter-Borjans warned that the world was watching how Germany was dealing with the rise of the far right and the “breach in the dam” in Thuringia.
“What has happened here is a signal that we can’t allow to go unanswered,” he said.

DON'T WORRY say global banking 5% freemason/Greek BARBER SURGEONS FAST TRACKING medical devices and pharma by forcing the dismantlement of all our US PUBLIC HEALTH AND REGULATION structures to be first to get that PATENTED PRODUCT to market.  CORONA VIRUS MUTATIONS are very likely MAN/WOMAN MADE in the labs of bio-engineering corporate research labs made GMO for one purpose escaping into environment to reek havoc as global epidemic/pandemic virus/bacterial VECTORS.

This is GATEWAY MEDICINE where global banking 1% create toxicity and assaults to public health in order to create health crises.

MODERNA on track to be the first to release a patented VACCINE no doubt has ties to these MEDICAL DEVICES people will spend money to protect themselves against these GMO disasters.

SELLING LIKE HOTCAKES!


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__________________________________________



REAL LEFT SOCIAL PROGRESSIVE LIBERAL CAPITALISTS are not SCIENCE LUDDITES. We know the STEM behind vaccines has taken the time to assure last century's vaccines WERE SAFE AND WORKED. These childhood vaccines series before CLINTON/BUSH/OBAMA were safe and necessary----WE ARE NOT ANTI-VACCINE. We are ANTI-THIS KIND OF VACCINE AND THE PEOPLE PUSHING IT.

So, the likelihood of a PANDEMIC CORONA VIRUS VECTOR VACCINE pushed out with questionable research and DATA VALIDITY-------being harmful whether then doing ANYTHING----is HUGE. THAT'S OK says global banking CLINTON/BUSH/OBAMA----we are making millions and billions of dollars -----as corporate welfare queens.





'About this website
youtube.com
r/Wokekids | "Mom Said Vaccines are Toxic"




Health

Coronavirus Vaccine 'Weeks' Away From Being Developed, Says Head of Israeli Science Research Institute

By Kashmira Gander On 2/28/20 at 8:42 AM EST


The head of a research institute in Israel has said its scientists are "weeks" away from developing a vaccine against the deadly new coronavirus which causes COVID-19.


The new virus that has killed over 2,800 people is a member of the large coronavirus family of pathogens, which also includes SARS and MERS. On Thursday, the MIGAL Galilee Research Institute said in a statement a new vaccine against a coronavirus which infects chickens has brought them a step closer to developing a preparation to protect against COVID-19.



According to the statement, a multi-disciplinary team created an Infectious Bronchitis Virus (IBV) vaccine which has been shown to be effective in pre-clinical trials. The scientists found the bird virus has a similar genetic code to and infects individuals in the same way as the deadly new coronavirus in humans, of which there are over 83,000 cases as shown by the Statista map below. This "increases the likelihood of achieving an effective human vaccine in a very short period of time," the institute said.


The scientists adjusted the IBV vaccine to the virus which causes COVID-19, and are working on meeting safety standards which will enable them to test it "in-vivo," or in living organisms. They hope these steps will "enable the initiation of production of a vaccine to counter the Coronavirus epidemic currently spreading throughout the world," the statement read.


Commenting on the news, David Zigdon, CEO of MIGAL said: "Given the urgent global need for a human coronavirus vaccine, we are doing everything we can to accelerate development.


"Our goal is to produce the vaccine during the next 8 to 10 weeks, and to achieve safety approval in 90 days. This will be an oral vaccine, making it particularly accessible to the general public.


"We are currently in intensive discussions with potential partners that can help accelerate the in-human trials phase and expedite the completion final product development and regulatory activities."


MIGAL is a regional research and development center of the Israeli Science and Technology Ministry, owned by the Galilee Development Company Ltd. Ofir Akunis, Israel's Minister of Science and Technology, congratulated the team "on this exciting breakthrough."



"I am confident that there will be further rapid progress, enabling us to provide a needed response to the grave global COVID-19 threat," he said.



Amesh Adalja, a senior scholar at Johns Hopkins Center for Health Security who was not involved in the research, told Newsweek on Friday he believes it is possible to adapt a vaccine for an avian coronavirus to human coronavirus.

"If the vaccine is shown to be efficacious and safe, roll out could be quite rapid given they could likely employ manufacturing centers making the prior poultry vaccine," he said.


Adalja added: "The challenge will be to conduct human trials rapidly to prove efficacy and secure regulatory agency approvals."


The announcement came a day after Dr. Anthony Fauci, director of the U.S. National Institute of Allergy and Infectious Diseases (NIAID), told CNN New Day host John Berman: "In order to get a vaccine that's practically deployable for people to use, it's going to be at least a year to a year and a half at best."


In late January, Fauci said a new research group of the National Institutes of Health's National Institute of Allergy and Infectious Diseases hopes to break the agency's record for developing a vaccine by having a preparation tested in humans in three months.



Experts at institutions in the U.K., China, Belgium, Germany, Russia and Australia, biotech companies such as Inovio, Moderna, and the pharmaceutical giant Johnson and Johnson, are also trying to develop COVID-19 vaccines.


But this can take years. There are, for instance, still no vaccines against SARS and MERS, which emerged in 2002 and 2012, respectively, while the Ebola jab was only approved in the U.S. in December 2019, 43 years after the disease was first identified.


STILL NOT A SUCCESSFUL VACCINE FOR THESE VIRUS VECTORS FROM DECADES AGO?


REAL LEFT SOCIAL PROGRESSIVE LIBERAL CAPITALISTS are not SCIENCE LUDDITES.  We know the STEM behind vaccines has taken the time to assure last century's vaccines WERE SAFE AND WORKED.  These childhood vaccines series before CLINTON/BUSH/OBAMA were safe and necessary----WE ARE NOT ANTI-VACCINE.  We are ANTI-THIS KIND OF VACCINE AND THE PEOPLE PUSHING IT.

r/Wokekids | "Mom Said Vaccines are Toxic"
•Mar 10, 2019


So, the likelihood of a PANDEMIC CORONA VIRUS VECTOR VACCINE pushed out with questionable research and DATA VALIDITY-------being harmful whether then doing ANYTHING----is HUGE.  THAT'S OK says global banking CLINTON/BUSH/OBAMA----we are making millions and billions of dollars -----as corporate welfare queen


An Israeli scientist works at a laboratory at the MIGAL Research Institute in Kiryat Shmona in the upper Galilee in northern Israel on February 27, 2020.


JALAA MAREY/AFP via Getty Images


Last month, Adalja told Newsweek: "We should not expect a vaccine to have a major impact on this outbreak." However, he said attempts to speed up efforts suggested it would be possible that phase I clinical trials could start "in a matter of months."


Professor Brenda Hogue of the Biodesign Institute Center for Immunotherapy, Vaccines and Virotherapy at Arizona State University previously explained to Newsweek that creating a vaccine involves finding the right target that prompts an immune response to protect against an infection.




"Once a potential vaccine platform is identified, it goes into research and development," she said. "After meeting safety, quality and efficacy requirements the vaccine goes into pre-clinical studies that include testing in animal models before moving onto clinical trials that generally consists of four phases, with testing in humans, to further assess safety and assessment of effectiveness and dosage requirements."


Hogue said "it normally takes years to develop a vaccine and bring it to the point that it is approved for use in humans," but said "a significant amount of work has already been done toward the development of vaccines against the SARS and MERS coronaviruses.


"This should help guide and expedite the development of vaccines against" COVID-19, she said.

______________________________________________



REAL LEFT SOCIAL PROGRESSIVES are worried about the goals of FLIPPING THE EARTH'S ECONOMIC AXIS from WESTERN TO EASTERN bringing US to colonial status-----along with STANFORD TOTAL PRISON MODEL-----AND DEEP STATE TOTALITARIANISM -------with these MEDICAL policies marching towards the complete dismantlement of all that is US PUBLIC HEALTH.



The people getting rich today and tied to global banking 1% IVY LEAGUE while doing so tend more and more to be from EASTERN BLOCK nations-----SILK TRADE ROUTES.


ARMENIA was a former soviet satellite for several decades under STALIN et al just one example of family arrive very wealthy to US now having 100 start up businesses while 99% WE THE PEOPLE are fighting for retirement and SOCIAL SECURITY---or jobs.


We are picking on the AFEYAN FAMILY simply for that. They come from an Armenian banking family to have tons of technology startups with billions of dollars all told.



Of course relevant to this discussion NOUBAR AFEYAN is that MODERNA staging for billions of dollars in VACCINE profits.



'“My grandfather and his brother were famous businessmen, who represented the German bank in Istanbul'.
'Over Half of US Startup Founders Are Immigrants
- Here Are ...
www.moneymakers.com/over-half-of-us-startup...
Oct 27, 2018 · Afeyan was born to Armenian parents in Lebanon. At 13 he moved to Canada with his family, before later moving to the US. Afeyan earned his Ph.D. at 24 and went on to help found 38 companies including biotechnology company Moderna Therapeutics with Canadian immigrant Derrick Rossi'.
'Taleen Afeyan -
Flare Capital Partners
www.flarecapital.com/team-member/taleen-afeyan
Taleen Afeyan is an Analyst on the Science & Technology team at Alexandria Real Estate Equities/Alexandria Venture Investments, in addition to her work on Special Projects for the company'.
'Noubar & Anna Afeyan -
UWC Dilijan
uwcdilijan.org/.../noubar-anna-afeyan

These EASTERN BLOCK oligarchs leaving Armenia et al are those finding their way to HARVARD/YALE/MIT-----and VOILA ---we have leaders and foundations tied to MOVING FORWARD global corporate FASCIST MARXISM.
While Armenia is being made NEO-LIBERAL---sending those OLIGARCHS to US-----preparing for global FACTORY enslavement .......................


'Mar 19, 2016, 03:19pm
In His Spare Time, Immigrant Noubar Afeyan Has Started 38 Companies In America

Stuart Anderson Senior Contributor
Leadership Strategy'


Noubar Afeyan is Managing Partner and CEO of Flagship Ventures, a venture capital firm he founded in 1999.

During his 25-year career as inventor, entrepreneur, CEO and venture capitalist, he has co-founded and helped build 25 life science and technology startups'.
Mar 19, 2016, 03:19pm



In His Spare Time, Immigrant Noubar Afeyan Has Started 38 Companies In America


Stuart Anderson Senior Contributor

Leadership Strategy

I write about globalization, business, technology and immigration.
Starting one successful company is a fine achievement. How does one describe someone who has helped found 38 companies?
Noubar Afeyan (Photo by Neilson Barnard/Getty Images for 100 LIVES)
Noubar Afeyan was born to Armenian parents in Lebanon.
_____________________________________________


During CLINTON era the 99% WE THE PEOPLE whether right wing or left wing fought all this GENETIC ENGINEERING----GMO HUMANS ---DNA manipulation-----EMBRYONIC STEM CELL----we fought all legislation relaxing what were strong GOD'S NATURAL LAW policies.
 
When that happened global banking 1% went over to FOREIGN ECONOMIC ZONES overseas to build what are already global PHARMA and BIOMEDICAL corporations.  Meanwhile, immigration under CLINTON/BUSH/OBAMA brought all those NEWLY RICH from Asian FOREIGN ECONOMIC ZONES to US in leadership positions-----the US 99% not wanting all this medical technology are replaced by HEALTH SECURITY-------which advances these GAMES with FEDERAL money.


'We must assume containment for coronavirus will fail in the US, says Johns Hopkins’ Amesh AdaljaDr. Amesh Adalja, senior scholar at Johns Hopkins Center for Health Security, and Drew Matus, chief market strategist at MetLife Investment Management, join “Squawk Box” to discuss the possible fallout of the coronavirus.

Tue, Feb 4 20209:53 AM EST'


Our problem is not the IMMIGRANTS who have always come from Eastern block et al---our problem is the OLIGARCHS from these EASTERN BLOCK nations are those immigrants and they are bringing quite the far-right wing extreme wealth extreme poverty militarized global corporate FASCIST MARXISM.

THAT'S THE PROBLEM


'The mRNA treatments it's trying to develop are potentially very dangerousModerna's research involves introducing synthetic mRNA into our cells. Theoretically, the revolutionary treatments could target and reprogram specific cells, allowing our own bodies to cure themselves of disease with repeated doses over time. A number of Big Pharma companies have attempted to develop similar technologies, but abandoned them over fear that they produced prohibitively dangerous patient side effects'.

Here we see STANFORD west coast version of HARVARD MODERNA--------same ethos---same total disregard to US RULE OF LAW---PUBLIC HEALTH AND WELFARE and employment can get you killed.

As this article says---these touted MIRACLE VACCINES are allowed to be kept SECRET---and the secret is often THEY DO NOT WORK.

THIS IS THE MENTALLY OF 'HITTING' PEOPLE with impunity-----it starts in the workplace and then goes into our communities


'Like Holmes, he perpetuates a toxic work environment

"...Bancel built a culture of recrimination at Moderna, former employees said. Failed experiments have been met with reprimands and even on-the-spot firings. They recalled abusive emails, dressings down at company meetings, exceedingly long hours, and unexplained terminations."'

Notice this article says TOXIC-----ENVIRONMENT

Notice this article says TOXIC ENVIRONMENT------do we really think GOOD PUBLIC HEALTH policy is coming from these GLOBAL BANKING VENTURE CAPITAL 'STARTUPS'? REALLY????

Why This Secretive Tech Start-Up Could Be The Next Theranos


By Joe McGauley Published On 09/23/2016
@jwmcgauley

 You've probably heard about Elizabeth Holmes by now, the eccentric CEO of the scandalized medical company Theranos. Once a Venus flytrap for Silicon Valley investors and now the subject of an FBI criminal investigation, Theranos claimed to have developed revolutionary blood-testing technology -- claims that turned out to be total bullshit.



Holmes' spectacular fall from grace has rocked the medical community, raising alarm about other similar companies that have amassed incredible wealth and power, but kept their research under a veil of absolute secrecy. Take Moderna Therapeutics, for example, a six-year-old biotech firm based in Cambridge, MA that was the recent subject of a superb investigative piece by Stat News. The company has attracted a staggering amount of investors' money, boasting a radical new way to treat illnesses by manipulating human cells to fight diseases from within.


The technology sounds promising, but like Theranos, Moderna's ultra-secretive policies prohibit them from publishing any substantial data to prove their work, nor do they disclose information to investors. The Stat piece also reveals eye-opening similarities between Holmes and Moderna's CEO, Stéphane Bancel. The story is really worth a read, but here are some highlights that got me wondering if Moderna could be the next Theranos.

The company keeps investors in the darkHolmes accepted money from investors but refused to divulge any information about how Theranos' technology actually worked.


Moderna similarly maintains an alarming level of secrecy:



"The company has published no data supporting its vaunted technology...Outside venture capitalists said Moderna has so many investors clamoring to get in that it can afford to turn away any who ask too many questions. Some small players have been given only a peek at Moderna's data before committing millions to the company."


The CEO oversees Moderna's scientific strategy, but isn't a scientist

Holmes began her start-up at age 19 after dropping out of Stanford University. While Moderna CEO Stéphane Bancel has his master’s in chemical engineering and an MBA from Harvard, his qualifications to make major scientific decisions at Moderna are also questionable:


"Bancel had no experience running a drug development operation...he'd spent most of his career in sales and operations, not science... He is listed as a co-inventor on more than 100 of Moderna's early patent applications, unusual for a CEO who is not a PhD scientist." 

Like Holmes, he perpetuates a toxic work environment"...Bancel built a culture of recrimination at Moderna, former employees said. Failed experiments have been met with reprimands and even on-the-spot firings. They recalled abusive emails, dressings down at company meetings, exceedingly long hours, and unexplained terminations." 


High-level executives are quitting in droves"At least a dozen highly placed executives have quit in the past four years, including heads of finance, technology, manufacturing, and science. In just the past 12 months, respected leaders of Moderna's cancer and rare disease programs both resigned."
Most notable among the resignations was the highly respected and veteran chief scientific officer, Joseph Bolen, who had previously led another Big Pharma company to FDA approval for a hugely successful cancer drug. "'No scientist in his right mind would leave that job unless there was something wrong with the science or the personnel,' said a person close to the company at the time."

The mRNA treatments it's trying to develop are potentially very dangerousModerna's research involves introducing synthetic mRNA into our cells. Theoretically, the revolutionary treatments could target and reprogram specific cells, allowing our own bodies to cure themselves of disease with repeated doses over time. A number of Big Pharma companies have attempted to develop similar technologies, but abandoned them over fear that they produced prohibitively dangerous patient side effects.



"Delivery -- actually getting RNA into cells -- has long bedeviled the whole field. On their own, RNA molecules have a hard time reaching their targets. They work better if they're wrapped up in a delivery mechanism, such as nanoparticles made of lipids. But those nanoparticles can lead to dangerous side effects, especially if a patient has to take repeated doses over months or years."


It's dialing back its original plans to focus on "less ambitious" projects..."Lower-ranking employees, meanwhile, said they've been disappointed and confused by Moderna's pivot to less ambitious -- and less transformative -- treatments. Moderna has pushed off projects meant to upend the drug industry to focus first on the less daunting (and most likely, far less lucrative) field of vaccines -- though it is years behind competitors in that arena."


... but is being unusually secretive about those, too"Moderna just moved its first two potential treatments -- both vaccines -- into human trials. In keeping with the culture of secrecy, though, executives won't say which diseases the vaccines target, and they have not listed the studies on the public federal registry, ClinicalTrials.gov. Listing is optional for Phase 1 trials... but most companies voluntarily disclose their work."


Perhaps because it's preparing to go public"With a public listing come required disclosures, and many are eager to see what Moderna's been keeping under wraps all these years. Outsiders and competitors, looking only at Moderna's public statements, have noted a shift in strategy that might signal undisclosed setbacks."

______________________________________________


WHO BUYS THIS STOCK?
This is the future of US MEDICAL care we call STANFORD TOTAL PRISON MODEL militarized medicine because the people at the top are TOXIC-----have no SOUL-----driven ONLY BY MAKING MONEY.
Well, I'm getting money as a stock owner so we don't care as long as we GET THAT DIVIDEND.

MODERNA went public and then went SECRET----YOU CAN'T HANDLE THE TRUTH




'The mRNA treatments it's trying to develop are potentially very dangerous

Moderna's research involves introducing synthetic mRNA into our cells. Theoretically, the revolutionary treatments could target and reprogram specific cells, allowing our own bodies to cure themselves of disease with repeated doses over time. A number of Big Pharma companies have attempted to develop similar technologies, but abandoned them over fear that they produced prohibitively dangerous patient side effects'.

'and responding to outbreaks of vaccine-preventable diseases'.

This next week we will discuss HEALTH public policy focusing on this current global coronal virus epidemic to look at how AFFORDABLE CARE ACT privatization of all that was US PUBLIC HEALTH ---was affected regarding issues of CDC-----epidemic containment----vaccinations especially. We discuss often the concerns of US 99% WE THE THE PEOPLE with what is a growing regime of heath care as VACCINE. We see all US Federal funding for our medical research going to the most hyper-global corporate medical PHARMA AND DEVICE corporations when it used to go to public institutions and public universities tied to regulations and oversight. Today, a person becomes a $50 million 'doctor' in no time flat as US Federal funding has a REVOLVING WALL STREET DOOR.



What is the fastest way for a global medical corporation using a US venture capital startup to bring billions of dollars to a NEW INNOVATIVE manufacturing laboratory? Well, have a good global viral epidemic IF you product is VIRAL VECTORS. Below we see where OBAMA and Clinton neo-liberals tied to ACA changed that FUNDING CYCLE away from Federal funds to AID FAMILIES AND CHILDREN in attaining in this case ordinary vaccinations-----to using that same fund-----SECTION 317------to fund the global vaccine corporations and research.



'and responding to outbreaks of vaccine-preventable diseases'.


'Q: Does this policy change mean that CDC is changing the Section 317 program to only serve adults?


A: It will no longer be appropriate for Section 317 vaccine to be used for routine vaccination of children, adolescents, and adults who have public or private insurance that covers vaccination. Section 317 vaccine is a precious national resource that will continue to be used to fill critical public health needs, such as providing routine vaccination for those with no insurance and responding to outbreaks of vaccine-preventable diseases'.

***************************

The Price of Prevention: Vaccine Costs Are Soaring





Paying Till It Hurts

By Elisabeth Rosenthal

• July 2, 2014

SAN ANTONIO — There is little that Dr. Lindsay Irvin has not done for the children’s vaccines in her office refrigerator: She remortgaged her home to afford their rising prices. She packed them in ice chests and moved them when her office flooded this year. She pays a company to monitor the fridge in case the temperature rises.


“The security company can call me any time of the day or night so I can go save my vaccines,” said Dr. Irvin, a pediatrician. Those in the refrigerator recently cost $70,000, she said — “more than I paid for four years of medical school.”


Vaccination prices have gone from single digits to sometimes triple digits in the last two decades, creating dilemmas for doctors and their patients as well as straining public health budgets. Here in San Antonio and elsewhere, some doctors have stopped offering immunizations because they say they cannot afford to buy these potentially lifesaving preventive treatments that insurers often reimburse poorly, sometimes even at a loss.

Childhood immunizations are so vital to public health that the Affordable Care Act mandates their coverage at no out-of-pocket cost and they are generally required for school entry. Once a loss leader for manufacturers, because they are often more expensive to produce than conventional drugs, vaccines now can be very profitable.

___________________________________________

Now, reading that ACA revision of FEDERAL VACCINE funding telling us insured citizens will for their own vaccinations and low-income will still get help with Federal programs we wonder just what that looks like in reality.

As people not wanting MANDATED VACCINES we are concerned that the ordinary regime of vaccines are affordable and available.

One of first things saw after these policy changes was this:  an epidemic came------shortfalls in availability led to only people able to buy from retail stores and certain institutions were able to get that emergency vaccine.


'It means that instead of moving towards a model of informed decision-making where communication can engage parents, communities and health professionals to improve vaccination rates, we are putting financial barriers on basic vaccine access. That is not universal health care, and it's not wise health policy'.


UK with Australia has lost all its NATIONAL HEALTH PLAN as here the US our public health disappears. 2014 was the same year ACA came out with REVISED immunization Federal funding policies.  We bet our US citizens have faced this same problem.

Our US FAKE NEWS media will let us know all kinds of new VACCINES are in the pipeline but we don't hear billions of dollars in Federal health funding is building PRIVATE BIOMEDICAL LABS and making a few startup people multi-millionaires.  The fight for parents AGAINST MANDATED VACCINES is pitted against parents unable to afford ordinary vaccines because all funding is going to NEW INNOVATIVE ENGINEERED VACCINES which are very expensive.

So, insured parents once able to get affordable vaccines are now tied to co-pays/deductibles and multiple trips to preventative care doctor. That money is going to build private biomedical labs for global PHARMA AND MEDICAL DEVICE corporations


Vaccination blow from a baffling budget


The Drum
By Jessica Kaufman Posted 19 May 2014, 7:08pm


Photo: Vaccines save lives - is this really the place for budget cuts? (ABC TV)


What this budget does is effectively remove access to vaccination for those who cannot afford the co-payment, and punish vulnerable people when vaccine-preventable diseases return, writes Jessica Kaufman.
Since the Government released its budget proposal last week, there's been plenty of discussion about the people who will be hit hardest.


High-income earners and businesses will escape mostly unscathed. However, there is at least one knock-on effect from this budget that won't discriminate by tax bracket: vaccination and vaccine-preventable diseases.


The Australian Medical Association has confirmed that childhood vaccinations, previously free under the bulk-billing system, will now incur a $7 Medicare co-payment, along with all other bulk-billed services. As the budget currently stands, there will be no low-income exceptions.


As an academic researcher and PhD candidate, my work focuses on vaccination communication issues around the world. Vaccination depends on supply and demand in order to work. On the supply side, people need ready access to vaccines. Communication works on the demand side, by helping people make informed decisions and encouraging them to seek out vaccination.


Effective communication can overcome many barriers to vaccination. It can remind people when vaccines are due, explain their risks and benefits, correct misinformation, and help people find and access vaccination services. But effective communication cannot jump over every hurdle and requiring everyone to pay a fee may be a hurdle too high for even the most persuasive communication strategy.


The current vaccination schedule requires six separate GP visits to receive vaccines in the first 18 months of a child's life. Let's imagine a fairly typical scenario: a family with young children has a bad week - the power bill is due, the car breaks down, one kid has an ear infection and the baby is due for a vaccination. If there is not enough to cover every expense, which one do you think will get dropped or postponed?



The vaccine schedule is designed to make sure children develop long-lasting immunity by delivering vaccines with a specific amount of time between doses. When children are late for a dose, they are considered "under-vaccinated" and they may be susceptible to diseases.



Even for parents who won't struggle with the co-payment, why add a disincentive to something we are trying so hard to encourage people to do?


Payment of the Family Tax Benefit Part A supplement is already linked to immunisation status and the previous government also planned further restrictions for conscientious objectors.


New South Wales brought in the "no jab, no play" rule this year. Rather than throwing up hurdles to timely and appropriate vaccination, the Government should be encouraging it.


Reduced vaccination rates will be an issue for more than the families who can't afford the co-payment. Vaccines protect all of us by offering herd immunity - when most people in a population are vaccinated (generally more than 90 per cent, though for particularly infectious diseases like measles this number is more like 95 per cent), vaccine-preventable diseases can't get a foothold among the isolated unprotected people.



There will always be some people who are unprotected, and they come from all income levels. Very young babies are particularly vulnerable, as are people with allergies or other health conditions that mean they cannot receive certain vaccines.


Some people's bodies simply fail to develop complete immunity when they are vaccinated. These are the people affected when herd immunity drops and disease outbreaks occur.
In Australia we have already seen increases in outbreaks of measles and whooping cough, both of which can lead to disability or death.



It is baffling to see the Government create a new barrier that could lower vaccination rates and expose vulnerable citizens to disease. When vaccination rates fall and rates of diseases we once controlled begin to rise, family income level won't offer much protection. 
What this budget does, ultimately, is remove access to vaccination for those who cannot afford the co-payment, and punish vulnerable people in our population when vaccine-preventable diseases return.
It means that instead of moving towards a model of informed decision-making where communication can engage parents, communities and health professionals to improve vaccination rates, we are putting financial barriers on basic vaccine access. That is not universal health care, and it's not wise health policy.

Vaccines save lives - is this really the place for budget cuts?

___________________

In exchange for the ACA and VACCINE FEDERAL FUNDING revisions global PHARMA and medical device corporation were told----

OK NOW----WE WILL MAKE YOU A CORPORATE WELFARE QUEEN-----BUT YOU HAVE TO MAKE CITIZENS WHO GOT ALL THESE VACCINES FOR FREE------CHARITY CASES.

UK or US government will pay HYPER-INFLATED prices for those VACCINES while requiring a DONATION TO POOR.


'As the only producers of the pneumonia vaccine, Pfizer and GlaxoSmithKline (GSK) are able to keep the price of the vaccine artificially high; since 2009, the two companies have earned $36 billion on this vaccine alone'.


This is why DOCTORS WITHOUT BORDERS say paying for vaccines is better than GETTING THEM AS CHARITY.


'You might be wondering, then, why we’d rather pay for the vaccine than get it for free. Isn’t free better?

No. Free is not always better'.

Imagine this scenario for routine, ordinary vaccines then think what will happen in an epidemic of CORONA VIRUS. 

This is 2016 a few years after that ACA reform and vaccine corporations are earning hundreds of billions of dollars in 'new innovative' vaccines.

There is no such thing as “free” vaccines: Why we rejected Pfizer’s donation offer of pneumonia vaccines.

MSF Access Campaign
Oct 10, 2016 ·


By Jason Cone, Executive Director of Doctors Without Borders in the United States



I recently had the difficult task of telling Ian Read, Pfizer’s CEO, that Doctors Without Borders/ Médecins Sans Frontières (MSF) is rejecting the company’s offer to donate a significant number of pneumonia vaccine (PCV) doses for the children we serve. This is not a decision that we took lightly, since our medical teams working in the field witness the impact of pneumonia every day.



Pneumonia claims the lives of nearly one million kids each year, making it the world’s deadliest disease among children. Although there’s a vaccine to prevent this disease, it’s too expensive for many developing countries and humanitarian organizations, such as ours, to afford. As the only producers of the pneumonia vaccine, Pfizer and GlaxoSmithKline (GSK) are able to keep the price of the vaccine artificially high; since 2009, the two companies have earned $36 billion on this vaccine alone. For years, we have been trying to negotiate with the companies to lower the price of the vaccine, but they offered us donations instead.



You might be wondering, then, why we’d rather pay for the vaccine than get it for free. Isn’t free better?



No. Free is not always better. Donations often involve numerous conditions and strings attached, including restrictions on which patient populations and what geographic areas are allowed to receive the benefits. This process can delay starting vaccination campaigns, which would be an untenable situation in emergency settings, or grossly limit who you’re able to reach with the vaccine.


Donations can also undermine long-term efforts to increase access to affordable vaccines and medicines. They remove incentives for new manufacturers to enter a market when it’s absorbed through a donation arrangement. We need competition from new companies to bring down prices overall — something we don’t have currently for the pneumonia vaccine.


Donations are often used as a way to make others ‘pay up.’ By giving the pneumonia vaccine away for free, pharmaceutical corporations can use this as justification for why prices remain high for others, including other humanitarian organizations and developing countries that also can’t afford the vaccine. Countries, which continue to voice their frustration at being unable to afford new and costly vaccines such as PCV, need lower prices as well to protect children’s health.


Critically, donation offers can disappear as quickly as they come. The donor has ultimate control over when and how they choose to give their products away, risking interruption of programs should the company decide it’s no longer to their advantage. For example, Uganda is now facing a nationwide shortage of Diflucan, an essential crytpococcal meningitis drug, in spite of Pfizer’s commitment to donate the drugs to the government. There are other similar examples of companies’ donation programs leaving governments and health organizations in a lurch without the medical tools they need to treat patients.


To avoid these risks and to limit the use of in-kind medical products donations, the World Health Organization (WHO), and other leading global health organizations such as UNICEF and Gavi, the Vaccine Alliance, have clear recommendations against donation offers from pharmaceutical corporations.


Donations of medical products, such as vaccines and drugs, may appear to be good ‘quick fixes,’ but they are not the answer to increasingly high vaccine prices charged by pharmaceutical giants like Pfizer and GSK.


There are times, however, when overwhelming pragmatic needs demand a short-term solution. Such was the case in 2014, when, after five years of unsuccessful price negotiations, MSF agreed to accept a one-time donation from Pfizer and GSK of their pneumonia vaccines. This was a notable exception to our prohibition on in-kind corporate donation policy that was made with great consideration, so that children would not go unvaccinated while issues of affordability and sustainability were under discussion. But in agreeing to the donation, both Pfizer and GSK assured us that they would work on a longer-term solution for children caught in crisis and developing countries.


Finally, just last month, in a significant shift — and after years of negotiations and months of public campaigning — GSK announced that it would offer its pneumonia vaccine to humanitarian organizations at the lowest global price (currently $3.05 per dose or $9.15 per child for all three doses needed for full vaccination). This is an important step towards a sustainable solution for humanitarian organizations that wish to extend the benefits of pneumonia vaccination to children caught in crisis. In contrast, Pfizer has not made any pricing concessions, and has yet to announce any meaningful solutions. They continue to offer donations that give Pfizer a tax break rather than offer a sustainable solution by lowering the price of the vaccine overall. Accepting Pfizer’s donation today would not do anything for the millions of children living in countries like Iraq, Jordan, Philippines, Romania, and Thailand, among many others, where neither their parents nor their governments can afford the expensive vaccine.



We can no longer live in a world where a vaccine that protects children against pneumonia is a luxury; too many young lives are at stake. Doctors Without Borders does not believe that our medical work, nor the work of other humanitarian organizations or governments trying to serve their people, should be at mercy of the voluntary ‘goodwill’ of pharmaceutical corporations.


Pfizer should lower the price of its lifesaving pneumonia vaccine for humanitarian organizations and all developing countries to $5 per child. Only then, will we have a meaningful step towards saving children’s lives both today and in the future.


To Mr. Read, I hope to hear soon from you that Pfizer is reducing the price of the vaccine for the millions of children who still need it.

______________________________________

Here we see the result today as WALL STREET'S BANKING MEDICAL INSTITUTE---MILKEN tells GOOD NEWS---we can now bypass all public safety and welfare channels to get whatever we deem PROFITABLE on market FAST AND FURIOUS.


'“The nice thing about this technology is that it bypasses many of the traditional steps to vaccine discovery and development. So it’s very fast,” said Dr. Jon Andrus, adjunct professor of global vaccinology and vaccine policy at the Milken Institute School of Public Health of George Washington University'.


The race to market is about those hundreds of billions of dollars ---not PUBLIC WELFARE. The EVIDENCE--BASED SCIENCE says-----this cannot be done ----CORRECTLY.

'One group says they may have an experimental vaccine ready for initial testing in just a month.
But experts caution this expedited timeline doesn’t always allow for careful evaluation of the safety and effectiveness of the vaccines'.


These three vaccine 'STARTUPS' are winning because they get US federal funds and they are funded by WORLD HEALTH/WORLD BANK which is global PHARMA corporations.......CEPI has become our US CDC


'Coalition for Epidemic Preparedness Innovations(CEPI)

Presentation to the WHO21 July, 2017Professor John-Arne Røttingen, Interim CEO, CEPI'



How Long Will It Take to Develop a Vaccine for Coronavirus?

Multiple companies are working on a vaccine to fight the new coronavirus. Getty Images

• Several groups are working on a vaccine for the new coronavirus, but there’s no guarantee that it will be ready before the end of the current outbreak.
• One group says they may have an experimental vaccine ready for initial testing in just a month.
• But experts caution this expedited timeline doesn’t always allow for careful evaluation of the safety and effectiveness of the vaccines.

Since 2003 the world has faced three outbreaks caused by coronaviruses — Severe Acute Respiratory Syndrome (SARS), Middle East Respiratory Syndrome (MERS), and now the current outbreak caused by a virus known as 2019-nCoV.


Scientists have yet to find a way to stop these outbreaks before they start. But over the past 17 years, they have drastically shortened the time it takes to develop a vaccine after a new virus emerges.


This is largely due to technological advances and a greater commitment by governments and nonprofits to funding research on emerging infectious diseases.
Scientists are already racing to develop a vaccine for 2019-nCoV — a feat that experts say is technically possible, but still may not come in time to help during this outbreak.

Faster vaccine development

Science news reports that several groups started working on a vaccine for 2019-nCoV shortly after Chinese scientists shared the virus’s genetic sequence in an online public database on Jan. 10.


Three of these groups are funded by Coalition for Epidemic Preparedness Innovations (CEPI), a nonprofit formed in 2017 to fund vaccine development for emerging infectious diseases.

Inovio Pharmaceuticals Inc. and Moderna Inc. both say they will have a vaccine ready for testing in animals in one month.


Moderna, which is working with the U.S. National Institute of Allergy and Infectious Diseases, estimates that it could have a vaccine ready for a phase one clinical trial in people in three months.


Moderna and Inovio are both using a newer vaccine technology based on specific DNA or messenger RNA (mRNA) sequences of the virus. The chosen sequence codes for a viral protein, such as one on the surface of the virus.


This type of vaccine can still elicit a protective immune response in a person. But because the protein is only a small piece of the virus, it doesn’t cause illness.


Scientists using this method can also start designing a vaccine as soon as they have the virus’s genetic sequence. With other methods, they would need to work with actual virus samples in the lab.


“The nice thing about this technology is that it bypasses many of the traditional steps to vaccine discovery and development. So it’s very fast,” said Dr. Jon Andrus, adjunct professor of global vaccinology and vaccine policy at the Milken Institute School of Public Health of George Washington University.


The third group, at the University of Queensland in Australia, is aiming to have a vaccine ready for testing in people in 16 weeks. They are developing a vaccine by growing viral proteins in cell cultures.


Drugmaker Johnson and Johnson, which is not funded by CEPI, started working on a vaccine two weeks ago, according to CNBC. The company’s chief scientific officer estimates they could have a vaccine ready for market within a year.

_________________________________________


Why would one VENTURE CAPITAL STARTUP get to market faster than another? First, it was hand-picked for billions of dollars to build and run its facilities while other medical businesses are not. Second, they MAY have an INSIDER view of just what that DASTARDLY CORONA VIRUS looks like----it's code may be already known because that VIRUS VECTOR was built by that CHINESE UNIVERSITY RESEARCH facility -----and that GMO VIRUS VECTOR was released.

Just as an example------UNIVERSITY OF MEMPHIS is partnered with the HUBEI UNIVERSITY where the epicenter of CORONA VIRUS was identified. We suggested yesterday it is a COINCIDENCE because corona virus vectors are being built for cancer treatment.

Some of the earliest to travel with the CORONA VIRUS were UNIVERSITY OF MEMPHIS students and researchers coming back to US. Coincidence being-----UNIVERSITY OF MEMPHIS was in HUBEI working on just that------

'Here we report on the potentials of a novel oncolytic virus, the mouse hepatitis coronavirus (MHV), in destroying tumor cells in vitro. MHV is an enveloped positive strand RNA virus displaying strong ... '


******************************************


'University of Memphis Logo
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The Confucius Institute
Hubei University

Hubei University, jointly developed by Hubei Provincial Government and the Ministry of Education of China, is a key comprehensive university administrated by Hubei Province and one of those supported by the “Project of Fundamental Capacity Construction of Central and Western Higher Institutions”'.

'University of Memphis graduate tests positive for coronavirus in Japan
MEMPHIS, Tenn. (localmemphis.com)- A University of Memphis graduate has been quarantined in Japan, after testing positive for the COVID-19 Coronavirus...'

'About a dozen Miami University Regional campus students in Hamilton and Middletown list their residence near the area in Wuhan City, Hubei Province, China, where the outbreak began in December, according to school officials. It’s unclear how many of those students returned home for winter break and how many remained in the U.S'.



***********************************************************************

We are not going to suggest any RELEASE OF BIOHAZARD is DELIBERATE----we will say this------the scientists at this university would have that inside GENETIC CODE ready to hand off to a SELECTED VENTURE CAPITAL STARTUP-----like one of the three saying they will have a PRODUCT in a MONTH.


 
'America is about to get a godawful lesson in why health care should never be a for-profit business
Mark Sumner
Daily Kos Staff
Thursday February 27, 2020 · 2:23 PM EST'



'Biomedical Engineering, (PhD) - University of Memphis
catalog.memphis.edu/preview_program.php?catoid=9&...

The Department of Biomedical Engineering at The University of Memphis and the Department of Orthopaedic Surgery and Biomedical Engineering at The University of Tennessee Health Science Center, Memphis, participate in the Joint Graduate Program in Biomedical Engineering'.

Coronavirus outbreak causing local concern, impacting Mid-South companies

MEMPHIS, Tenn. (localmemphis.com) – 20 people are in self-isolation for observationfor Coronavirus in Shelby County, after traveling to higher risk areasoverseas.

So far, there’s still no confirmed cases in the Memphis area orMid-South.

Staff at the Shelby County Health Department will checkperiodically on those 20 people during their two week self-isolation to ensurethere are no medical red flags.

It’s the latest sign of the international health crisis – andlocal caution – brought on by Coronavirus.

“This epidemic has evolved very, very quickly,” Shelby CountyHealth Department Director Dr. Alisa Haushalter said. “When peopletraveled initially, it may not have been a concern, as they travel back, it maybe more of a concern.”

That played out for 20 people in Shelby County who recentlytraveled to areas hit the hardest by Coronavirus, an illness spread person toperson, which causes fever, cough, shortness of breath, and – at its worst – couldlead to death.

“We wouldn’t even say they have possible exposure. We wouldjust say there’s an abundance of precaution for people who traveled to certainregions and they’ve been asked to remain at home for a set period oftime,” Dr. Haushalter said.

Dr. Haushalter said while none of the 20 people showed anyCoronavirus symptoms, they’ll each spend two weeks in self-isolation, asrecommended by the Centers For Disease Control.

“This is your public health system at work,” Dr.Haushalter said.

Those with the SCHD said the self-isolation for those people isout of precaution and shouldn’t cause panic.

'We must assume containment for coronavirus will fail in the US, says Johns Hopkins’ Amesh Adalja

Dr. Amesh Adalja, senior scholar at Johns Hopkins Center for Health Security, and Drew Matus, chief market strategist at MetLife Investment Management, join “Squawk Box” to discuss the possible fallout of the coronavirus.
Tue, Feb 4 20209:53 AM EST'

___________________________________________


Release to the general population of any disease vector opens the door to billions of dollars in FEDERAL/WORLD HEALTH FUNDING as well as creates a CLINICAL TRIAL in humans for any PATENTED PRODUCT not only the vaccine but the CORONA VIRAL VECTOR cancer treatment.

FAST TRACKING MEDICAL RESEARCH FOR A FEW HAND-PICKED VACCINE CORPORATIONS.


'Vaccines save lives. But stricter laws may backfire. - The ...
www.washingtonpost.com/outlook/2019/08/30/danger...

Aug 30, 2019 · In 1869, Ernst Kramer, a doctor popular with German immigrants in Milwaukee, declared that the dangers of vaccines outweighed the benefits'.
Coronavirus Vaccines on Fast Track as WHO Declares Global Public Health Emergencyby Rishma Parpia and Barbara Loe Fisher
Published February 5, 2020 | Health, Infections

A novel strain of a coronavirus (2019-nCoV) was first detected in the city of Wuhan, China on December 31, 2019 and, by the middle of January, thousands of Chinese citizens were sick. According to Johns Hopkins University Center for Science and Engineering, as of Jan. 30, 2020 there were 217 deaths among 9,776 confirmed coronavirus cases, with 92 of the cases identified in 20 countries other than China, including six cases in the U.S.1 On Jan. 30, the World Health Organization (WHO) declared the novel coronavirus outbreak that began in Wuhan and spread to many cities in China to be a “Public Health Emergency of International Concern.”2 By Feb. 6, there had been 28,353 cases confirmed worldwide, including 12 in the U.S., and 565 deaths had been reported with all but two occurring in China.
Public health officials believe the origin of the outbreak can be traced to an unsanitary food market in Wuhan where live seafood, reptiles, animals and birds were sold for human consumption.3 The market was shut down the next day by health authorities.3 The WHO says the evidence suggests people consumed infected bats and snakes from the Wuhan market,4 but exactly which animal is the primary source of the outbreak is still not known.5 6
What is Coronavirus?The WHO describes coronaviruses (CoV) as a large family of viruses that cause illness ranging from the common cold to more severe infectious diseases such as Middle East Respiratory Syndrome (MERS-CoV) and Severe Acute Respiratory Syndrome (SARS-CoV)7 The new coronavirus (2019-nCoV) strain identified by health authorities has not been previously identified in humans.
Coronaviruses are zoonotic, which means they infect and can be transmitted between animals and humans.7 Investigations have found that SARS-CoV was transmitted from civet cats to humans and MERS-CoV from dromedary camels to humans. There are several known coronaviruses circulating in animals that have not yet infected humans.7 Since health officials have not identified this latest strain in humans before, they have given it generic name of “a novel coronavirus” while investigations continue.3
The China coronavirus infection resembles viral pneumonia or influenza and common signs include fever, chills, sore throat, headache, muscle aches and respiratory symptoms such as cough and breathing difficulties. According to the CDC, “The complete clinical picture with regard to 2019-nCoV is still not fully clear. Reported illnesses have ranged from infected people with little to no symptoms to people being severely ill and dying.”8 Individuals can be incubating the infection for 10 to 14 days before symptoms begin, although it is unclear whether they are infectious during this time period.9 CDC reports that, “Typically, with most respiratory viruses, people are thought to be most contagious when they are most symptomatic (the sickest). With 2019-nCoV, however, there have been reports of spread from an infected patient with no symptoms to a close contact.”10

Like with influenza, the majority of are recovering but in some cases, the new coronavirus infection can cause complications like pneumonia, severe acute respiratory syndrome, kidney failure and death.7 Reportedly, the preliminary fatality rate associated with 2019-nCoV is about three percent but it appears to be higher in those over age 50, who have accounted for the majority of deaths in China.11 Older age groups are also at risk for complications of SARS and MERS, as well as influenza.
China Confirms Virus Can Spread From Human to HumanInitial reports out of China that the virus was unlikely to spread between humans were proven to be inaccurate as more and more cases were confirmed by Chinese and international health authorities.12 Early news reports, such as one where a patient was suspected as having infected as many as 14 medical staff in one hospital, gave evidence for the infection being spread more easily than initially thought.13
The U.S Centers for Disease and Prevention (CDC) states that much is unknown about how the novel 2019-nCoV spreads.14 Current knowledge is primarily based on what is known about similar coronaviruses. Most often transmission from person-to-person happens among close contacts (about 6 feet).
Person-to-person transmission is thought to occur mainly via respiratory droplets produced when an infected person coughs or sneezes, similar to how influenza and other respiratory infections spread.12 These droplets can potentially land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs. It is currently unclear if a person can get 2019-nCoV by touching a surface or object that has the virus on it and then touching their own mouth, nose, or possibly their eyes.12
Wearing masks to prevent transmission of 2019-nCoV may or may not work, depending upon the type of mask and how it is handled or if the virus can be contracted through eye exposure with infected droplets.15 The CDC is recommending frequent hand washing with soap and water for at least 20 seconds to help prevent transmission of this and most other infections.
High Level Biohazard Lab Opened in Wuhan in 2018There have been several media reports stating that the outbreak may have originated from a laboratory that is part of China’s covert biological weapons program. The laboratory known as Wuhan National Biosafety Laboratory is the only declared site in China that permits working with deadly viruses.16
Dr. Dany Shoham, a senior analyst with Israeli military intelligence for biological and chemical warfare in the Middle East and worldwide from 1970 to 1991 said that, “Certain laboratories in the institute have probably been engaged, in terms of research and development, in Chinese [biological weapons], at least collaterally, yet not as a principal facility of the Chinese BW alignment.”13 China has denied having or developing any dangerous biological weapons.
All researchers in the Wuhan high containment laboratory must change their clothing upon entering the facility, shower upon exiting and decontaminate all of the materials used during experimentation. Laboratory members wear full-body, pressurized suits to isolate themselves from the surrounding environment. The laboratory itself must be held in a separate building or an isolated wing within the surrounding university and must be supplied with its own air filtration and decontamination systems.17
Over the past decade, there  have been a number of reported security breaches in high containment biohazard labs around the world, including in the U.S., where bioterrorism and vaccine researchers are experimenting with lethal microbes and developing genetically engineered viruses and new vaccines.18 19 In 2014, the U.S. issued a temporary moratorium on U.S. funded research conducted in labs where scientists create more dangerous mutated forms of the SARS, MERS and influenza viruses that have the potential to start global pandemics in human populations if they escape from the labs.20 21 In 2017, that moratorium was lifted and the U.S. Department of Health and Human Services resumed funding researchers creating lab altered viruses that could spread quickly through human populations.22
Simulated Coronavirus Pandemic Exercise Held in October 2019The Center for Health Security at John Hopkins University has a fictional pandemic simulation program to prepare communities for biological threats, pandemics and other disasters.23
On October 18, 2019, the Johns Hopkins Center for Health Security in partnership with the World Economic Forum and the Bill and Melinda Gates Foundation hosted Event 201, a high-level simulated coronavirus pandemic exercise in New York City.15 The exercise pointed out areas where international public/private financial partnerships will be required to respond to a pandemic in order to diminish large-scale economic and societal impact on countries around the world.15
Participants in Event 201 were dropped in the middle of an uncontrolled novel coronavirus outbreak that was spreading like wildfire in South America and causing worldwide havoc.15 As fictional newscasters from “GNN” narrated simulated events, the immune-resistant virus (nicknamed CAPS) was crippling trade and travel, sending the global economy into free-fall. Social media was rampant with rumors and misinformation, governments were collapsing and citizens were revolting.15
Those participating in the New York City pandemic simulation included a large group of public policymakers, pharmaceutical companies such as Johnson & Johnson;  mainstream media outlets like NBC/Universal, business leaders and government health officials. Event 201 provided them with an opportunity to evaluate disaster response systems and whether current systems are strong enough or need to be expanded.15
Dr. Eric Toner, senior scholar with the Center for Health Security said, “Once you’re in the midst of a severe pandemic, your options are very limited. The greatest good can happen with pre-planning.”15
Coronavirus Vaccines Are Being Fast TrackedIn response to the coronavirus outbreak in Asia, drug companies and the National Institutes of Health (NIH) have begun working on a 2019-nCoV vaccine that will be fast tracked to licensure.24 Anthony Fauci, MD, director of the National Institutes of Allergy and Infectious Diseases has said that it would take a few months until the first phase of the clinical trials begins and more than a year until a vaccine might be available.16
Dr. Fauci stated that, “When we were dealing with SARS, we developed monoclonal antibodies as potential therapeutics.”25 He added that, “Given the somewhat close homology between SARS and the new novel coronavirus, there could be some cross-reactivity there that could be utilized.”17

We now want to discuss how global banking 1% having created US CITIES AS FAILED STATES to push US 99% WE THE PEOPLE into long-term unemployment and debt follows up with policy requiring those to attain MORE CREDIT----DIFFERENT KINDS OF CREDIT in order to rehabilitate CREDIT SCORES. If one stops using credit which is a GOOD THING they cannot attain a moderate or strong CREDIT SCORE. No record of financial problems for decade or two does not fix this CREDIT SCORE.

THIS STRUCTURE IS PERVERSE TO HOW PEOPLE SHOULD THINK OF GOOD FINANCIAL DECISIONS.

Global banking 1% created an INDUSTRY around chaining people to ever-increasing fines, fees, BAD reports with CREDIT REPORT/CREDIT SCORE corporations.

Individuals have no ability to SUE creditors or inaccurate reports-----no lawyer, cost prohibitive leaves no solution to FIXED GAME.


'Credit bureaus are required to produce accurate credit reports, and consumers have the right to sue creditors and the credit bureaus in certain instances. Specifically, that includes inaccurate information that continues to be reported after a consumer initiates a dispute that the credit bureau fails to investigate'.

Below we see a TYPICAL problem with CREDIT SCORE/REPORTS. Obama era FEDERAL STUDENT LOAN FRAUDS attacked millions of US citizens trying to do the right thing---FIX/PAY OFF THAT STUDENT LOAN. What global banking KNEW was the goal is the story below. They unleashed MORE FRAUD against citizens trying to get their CREDIT FIXED because most want to pay down debt.


'A corporation is committing fraud and crushing my credit…

A corporation is committing fraud and crushing my credit score because of it by saying I haven't paid on my $10,000 student loan. The reality is, I did miss payments due to financial hardship. The total sum was roughly $800. I offered to pay it so it would be current, they refused, then they did a "charge off" to a collections agency who now wants roughly $14,000 due to collection fees.

Lawyer's Assistant: Because consumer protection law varies from place to place, can you tell me what state this is in?

Alaska

Lawyer's Assistant: Have you contacted the seller or manufacturer?

Yes

Lawyer's Assistant: Anything else you want the Lawyer to know before I connect you?

I have all the documents to show I have been paying for the past year and a half while they have been reporting to the credit bureaus that I have "failed to pay" which has cost me a LOT of problems'.

So, someone has a STUDENT LOAN DEBT on CREDIT REPORT that should not be there-----and they must go to a CREDIT REPORT/CREDIT SCORE CORPORATION who then charges more fees more fees to shed that fraud.

REMOVING A FRAUD ALERT WITH WHICH YOU HAD NOTHING TO DO.

PAY FOR DELETE ------

Remember, this is what CHINESE SOCIAL CREDIT SCORE is based and it is GLOBAL BANKING------you know Chinese global 1% are NOT COMMUNISTS after all.



Can You Pay to Remove a Bad Credit Report?


Paying to remove negative credit info is possible, but may not succeed



By Rebecca Lake
Updated Feb 11, 2020


A bad credit score can work against you in more ways than one. When you have poor credit, getting approved for new loans or lines of credit may be difficult. If you qualify, you may end up paying a higher interest rate to borrow. A low credit score can also result in having to pay higher security deposits for utility or cellphone services.


In those scenarios you may consider a tactic known as “pay for delete,” in which you pay to have negative information removed from your credit report. While it may sound tempting, it’s not necessarily a quick fix for better credit.


Key Takeaways

• "Pay for delete" is an agreement with a creditor to pay all or part of an outstanding balance in exchange for that creditor removing derogatory information from your credit report.
• Credit repair is paying a company to contact the credit bureau and point out anything on your report that is incorrect or untrue, then asking for it to be removed.
• You can do your own credit repair, but it can be labor intensive and time consuming.

‛Pay for Delete’


Defined First, it’s helpful to understand what it means to pay to have bad credit report information removed. According to Paul T. Joseph, attorney, CPA, and founder of Joseph & Joseph Tax and Payroll in Williamston, Mich., “Pay for delete is essentially when you are contacted by your creditor, or you contact them, and you agree to pay a portion or all of the outstanding balance with an agreement that the creditor will contact the credit bureau and remove any derogatory comments or indications of late payment on the account.”


A pay for delete letter should include:

• Your name and address
• The creditor or collection agency’s name and address
• The name and account number you’re referencing
• A written statement saying how much you agree to pay and what you expect in return with regard to the creditor removing negative information

You’re essentially asking the creditor to take back any negative remarks it may have added to your credit file in connection with late or missed payments or a collection account. By paying some or all of the outstanding balance, you’re hoping that the creditor will exercise a show of goodwill and remove negative information from your credit report for that account.
Consumers have the right to sue credit bureaus and creditors with regard to inaccurate information that, once disputed, is not investigated and, if warranted, removed.


Is Pay for Delete Legal?

The Fair Credit Reporting Act (FCRA) governs credit reporting laws and guidelines. Anything that a debt collector, creditor, or credit bureau does regarding a credit report will be based on the FCRA, says Joseph P. McClelland, a consumer credit attorney based in Decatur, Ga.



Credit bureaus are required to produce accurate credit reports, and consumers have the right to sue creditors and the credit bureaus in certain instances. Specifically, that includes inaccurate information that continues to be reported after a consumer initiates a dispute that the credit bureau fails to investigate.


Technically, pay for delete isn’t expressly prohibited by the FCRA, but it shouldn’t be viewed as a blanket get-out-of-bad-credit-jail-free card. “The only items you can force off of your credit report are those that are inaccurate and incomplete,” says McClelland. “Anything else will be at the discretion of the creditor or collector.”
Removing Collection Accounts From a Credit Report Whether your attempts to pay for delete are successful can depend on whether you’re dealing with the original creditor or a debt collection agency. “As to the debt collector, you can ask them to pay for delete,” says McClelland. “This is completely legal under the FCRA. If going this route, you will need to get that in writing, so you can enforce it after the fact.”



What you have to keep in mind, however, is that paying for delete with a debt collector may not remove negative information on your credit history reported by the original creditor.


The creditor may claim that its contract with the debt collection agency prevents it from changing any information it reported to the credit bureaus for the account. That said, some debt collection agencies take the initiative and request that negative account information be deleted for customers who have successfully paid their collection accounts in full.

Removing Bad Credit History With Credit Repair


Hiring a credit repair firm is another option for paying to delete bad credit information. “Credit repair agencies essentially do the work for you by contacting the credit reporting agencies and providing objections to errors contained in the report or requesting that items that are untrue or incorrect be removed from the report,” says McClelland. In this instance you’re not necessarily paying off any outstanding balances.


However, you will pay a fee to the credit repair firm to act on your behalf in having negative information removed.


$30 to $100
The typical monthly fee for a credit repair company
The fees a credit repair company charges can vary.


Typically, there are two types of fees: an initial setup fee and a monthly service fee. The initial fee can range from $10 to $100, while the monthly fee typically runs between $30 and $100 a month, although some companies do charge more.


When considering the fees, it’s important to weigh what you’re getting in return.

According to the Federal Trade Commission, credit repair firms can’t legally do anything for you that you can’t do for yourself. You just have to be willing to spend the time reviewing your credit reports for negative or inaccurate information, reaching out to the credit bureaus to dispute that information, and following up on those disputes to make sure they’re being investigated.


If you decide that the time-saving aspect of working with a credit repair firm is worth your money, research any companies you’re considering working with thoroughly. Joseph says most credit repair agencies are legitimate, but if you come across one that’s making promises that seem too good to be true or using methods to repair credit that aren’t covered by the FCRA, that’s a red flag that the company might be a scam.


Also consider the timing before pursuing credit repair services. “After several years of being on your report, the negative impact on your credit score has likely passed,” says McClelland. That’s because, eventually, negative information can fall off your credit report automatically. Late payments and collection accounts can stay on your credit history for up to seven years. A chapter 7 bankruptcy filing can stay on your credit report for up to 10 years.


Paying your bills on time has the single biggest impact on your credit score.

Repairing Bad Credit Yourself

If you’d rather not pay for delete or pay a credit repair firm, there are a few steps you can take to begin getting your credit back on track.

• Review your credit reports for negative information that’s inaccurate. Initiate a dispute of inaccuracies or errors online with the credit bureau reporting the information.
• Consider having someone you know with a strong credit history add you to one of their credit cards as an authorized user. This can transplant that person’s positive account history to your credit report.
• Research credit builder loans and secured credit cards as additional credit-building options.
• Get in the habit of paying your bills on time monthly. Payment history has the most significant impact on credit scores.
• Weigh the pros and cons of debt settlement to resolve collection accounts or charge-offs.

The Bottom Line

Bad credit doesn’t have to be a permanent situation. There are things you can do, including pay for delete, to help your credit recovery. Paying to have bad credit removed can be effective, but it’s worth exploring other options if you don’t have money to pay off an outstanding balance or cover the pricey fees a credit repair firm can charge.


_____________________________________



CLINTON/BUSH/OBAMA were the ROBBER BARON sacking and looting criminal pols who worked with global banking to create these banking policies.  Placing people with BAD CREDIT in the hands of an INDUSTRY filled with criminal entities ------makes it impossible for that consumer of debt relief to FIX THE CREDIT. 

Below we see from the FEDERAL STUDENT LOAN FRAUDS-----the scam was sending in different COLLECTION COMPANIES over and over and over each time that new COLLECTION COMPANY took the account----the consumer paid ---repaid ---repaid and more fees, fees, fines to get to thousands of dollars over the original debt.  We see this below.


'Typically, there are two types of fees:

an initial setup fee and a monthly service fee. The initial fee can range from $10 to $100, while the monthly fee typically runs between $30 and $100 a month, although some companies do charge more'.

That fraud was the LOAN HANDLER------below we the see the fraud in the COLLECTION AGENCIES partnered with the LOAN HANDLER.  If the LOAN HANDLER is committing fraud----they will hand off to COLLECTORS who are committing fraud.  This industry SOARED during OBAMA era and is still happening.

So, how does a US citizen who falls temporarily into DEBT actually get out of debt?  Not by LOAN HANDLERS-----not by COLLECTION AGENCIES-----not by CREDIT REPORT/SCORE CORPORATIONS.




8 Ways to Recognize Debt Collector Scams


Watch out for these red flags with fake debt collection agencies


By LaToya Irby
Updated February 10, 2020



If you've been receiving debt collector phone calls or letters, you need a way to tell real collection agencies from fake ones so you don't get scammed.


Businesses often hire third-party debt collectors to pursue past-due accounts. For example, a credit card issuer might hire a debt collector to go after you for a charged-off account. Those are legitimate attempts to collect on a debt you owe.



However, while some debt collectors contact you to collect on actual debts, there are scammers who pose as collection agents to trick you into paying money for debts that have already been paid or canceled or that don't even exist. Here are eight ways to recognize debt collector scams so you can ensure you aren't duped out of your money.


The Debt Collector Pushes You to Pay Right Away

Most debt collectors will use a certain amount of pressure to convince you to pay the debt. After all, they often don't get paid unless you pay. But be suspicious if a debt collector seems to use an unusual amount of pressure to get you to pay immediately, particularly if they use scare tactics.1



Be wary of threats and pressure to act immediately. If a caller threatens to hit you with a lawsuit if you don't make a payment right away, he could be a scammer.

They Ask You to Pay via Wire Transfer

Legitimate debt collectors will accept a variety of payment methods including check, debit card, or credit card. Some may even offer online payments via a portal linked directly from their website.



A sure sign of a collection agency scam is a collector that wants you to pay via wire transfer or another method that can't be traced, such as a prepaid card. If the payment method can't be traced, you'll have a harder time getting help from authorities.2




You Don't Recognize the Creditor or the Account

You do business with lots of different companies during your life. It's possible that a collector could contact you about an account that you've long forgotten about.


However, if the creditor sounds completely foreign, or you know you never had an account with that business, there's a chance it's a scam. Never pay a debt you don't recognize. You have the right to request proof of the debt from the debt collector in the form of a validation letter before you send payment.3


Remember, you don't have to act right away, even if the debt collector is pressuring you to. You can hang up, collect your thoughts, and find out more information about the debt they're calling you about.


You can also check your credit report for an account from that particular creditor. Note that negative accounts fall off your credit report after seven years, so not finding the creditor on your credit report doesn't necessarily mean the debt collection is a scam.

Even if you recognize the creditor, it doesn't mean you're not being scammed. When you request verification for the debt, the debt collector has to provide you with proof of the debt and proof they're authorized to collect on the debt.5 Scammers may have accessed information about accounts you've previously held and use this information to trick you into paying.

You Can't Find Anything on the Internet When You Look up the Phone Number


One way to check whether a debt collector is a scam is to search the internet for their phone number. Often, you'll find web pages where other consumers have commented on the debt collector and the business they collect for. If, however, you look up a phone number and receive no results, or if you see others commenting that the company is a scam, then you know to avoid sending any payment to that company.



You're Threatened With Jail Time


It's illegal for a debt collector to lie to you, threaten action they can't take, or to pose as government officials.3 Legitimate debt collectors aren't as likely to use these illegal tactics because they don't want to put their business at risk by breaking the law.

Scammers, on the other hand, aren't concerned about following debt collection laws.

The Debt Collector Asks You for Information

They Should Already Have

Not every debt collection scam aims to trick you into sending payment for a debt. Many are seeking personal information they can use to commit fraud or identity theft—a process known as "phishing."



When creditors hire debt collectors, they give them a certain amount of information about you. That often includes your name, address, date of birth, account number, and some or all of your Social Security number. Be suspicious of a debt collector that calls asking for any of this information.


But just because a caller has a lot of information about you, it doesn't mean they're not scamming you. With so much information about you on the internet and social media, debt collection scammers can gather enough information to make you think they're real.

They Won't Give You Their Company's Contact Information


Debt collectors are required by law to identify themselves when they're on the phone with you.6 Real debt collectors should be willing to give you the name of their company, their phone number, and their mailing address.


You need the mailing address in particular so you can send a letter requesting proof of the debt before sending payment.



The Collection Isn't on Your Credit Report

There are some legitimate situations where a real collection may not be on your credit report. If the account is past the credit reporting time limit (usually seven years), the debt collector can't legally add the account to your credit report. Sometimes there's a delay between the time a collector receives the debt and when it reports it to the credit bureau.


Even knowing that there are some exceptions, not seeing a collection on your credit report can sometimes be a sign that the collection is a scam.7 Use other methods to verify the debt collector before you consider making payment.


If You Think You're Being Scammed

If you suspect you're being scammed, you can hang up immediately. Next, you must carefully vet any debt collector before sending payment. There's a chance the company is pursuing a real debt, but if they're not, you don't want to give them your money or your information.


If you think your caller is a scammer, you can take the following steps to protect yourself:1





• Ask the caller for his name, company, mailing address, and phone number.
• Refuse to give him your personal or financial information.
• Hang up and write a letter requesting them to stop calling you.
• Send a letter requesting proof of your debt. If a collection agency doesn't return proof or the proof isn't enough to show that it's a real debt, the agency isn't allowed to continue to contact you.
• Contact your creditor to check whether they've hired this collection agency.
• Report the call to authorities.

You can report debt collection scams to the Federal Trade Commission, the Consumer Financial Protection Bureau, and your state attorney general.​


Unfortunately, if you fall for a scam and send payment, you may not be able to get your money back, especially if you wired payment or used a prepaid card.


_______________________________________

CREDIT REPORT/CREDIT SCORES are affected by all kinds of consumer debt---we are simply choosing medical debt because it is the LARGEST debt sector in US.  Elizabeth Warren was a CHAMPION of BANKRUPTCY LAW both corporate bankruptcy and personal bankruptcy.  Ergo, citizens choosing to discharge MEDICAL DEBT via bankruptcy.

What has happened last decade is a open door for global medical corporations to bring DEBT COLLECTION back on the table via HITTING people having MEDICAL DEBT.


'What Debt Can Be Discharged |


Prescott Pearson & Tande, PAwww.prescottpearson.com/bankruptcy-blog/...

medical bills: Medical debt can be discharged in a Chapter 7 bankruptcy. This is one of the easiest debts to discharge in a bankruptcy case (and sadly one of the most common types of debts we see in bankruptcy)'.

I had some medical debt but did not go into bankruptcy rather it was discharged via MEDICAID and grants.  Yet, on THE NETWORK I am continually told I am being HIT-----I am in a forced MEDICAL STUDY because of that medical debt.  Now, however debt is discharged, a person cannot be ATTACKED INSIDE THEIR HOME in some form of debt collection.

As well, SOCIAL SECURITY AND MEDICARE are NOT WAGES-----BARBER SURGEONS cannot threaten to attach to your benefits for what is called MEDICAL DEBT.



'Be aware that a collection agency ​also has the right to report a debt on your credit report, sue you, and garnish your wages (with the court’s permission)'.

DEBT COLLECTORS ALLOWED ON THE NETWORK TO HARASS PEOPLE NOT HAVING AN ABILITY TO FACE THAT PRESUMED DEBTOR.

This is illegal -----


Fake Debt Collectors


Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them.



So what's the story?



The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number.

____________________________________________

HOSTING SERVER NOSY NEIGHBORS AND THE GANG are organized crime and 24/& video PORN but they have many hats ---one being DEBT COLLECTORS.  HOSTING SERVER BARBER SURGEONS in US global medical schools have expanded overseas partnering with third world nations using their campuses to recruit and train MEDICAL STAFF including DOCTORS.  What they are doing which is CRIMINAL ---ILLEGAL -----is sharing  telemedicine video of US PATIENTS with overseas trainees. There is absolutely no ACCOUNTABILITY OR ATTEMPT to keep these video contained ergo, these video fill the DARK WEB as PORN.

NOSY NEIGHBORS AND THE GANG constantly telling me I am OWNED ---I am A SLAVE ----I work for them can be wearing the HAT of a collector of medical debt while tied to an AFRICAN MEDICAL corporation.

In Africa debt collection comes with making WOMEN PORN------forced SEX TRADE for medicine and KNOW WHAT?  Those US medical corporations expanded overseas KNOW THIS.


'Women forced into sex to pay hospital bills, study says ...
bhekisisa.org/article/2018-01-16-00-women-forced... Jan 16, 2018 ·



We need to do more research on this and the global health community needs to start taking this seriously.” While exact numbers of medical detentions are unknown, in some countries the practice is so common that patients consider it “normal” for hospitals to detain those who cannot pay their bills'.

HOSTING SERVER BARBER SURGEONS say-----we can't stop them they are doing BUSINESS.  Our US 99% of WE THE PEOPLE no doubt have family members having some debt----maybe medical debt------so, when this debt is sold to overseas third world businesses for collection------

THIS IS ONE MAJOR SOURCE OF HITTING. 

I find a video of a US young woman on FACEBOOK suffering from POST-PARTUM DEPRESSION in all her glory----in bed---on the toilet ----for all to see----this is a NOSY NEIGHBORS AND THE GANG---VIDEO and it is PORN and it is connected to a MEDICAL TELEMEDICINE FOLLOWUP of that patient.



'Women in sub-Saharan Africa forced into sex to pay hospital ...
www.theguardian.com/global-development/2017/dec/...'

This attitude that US women owing debt can be exposed to SEX TRADE for debt payment is what is happening HERE IN BALTIMORE and your neck of the woods.

So, one reason for MY CASE against NOSY NEIGHBORS AND THE GANG can be just this---someone has decided I owe DEBT of which I know NOTHING ABOUT.


Women in sub-Saharan Africa forced into sex to pay hospital bills, study says


This article is more than 2 years old


Patients too poor to settle medical debts are chained to drainpipes, starved and abused in health centres across parts of Africa and Asia, report reveals



Hospitals are detaining hundreds of thousands of people against their will every year – many of them mothers and their newborn babies – simply because they are too poor to pay their medical bills, a study has found.



The practice, which is widespread across parts of sub-Saharan Africa and Asia, sees patients chained to drainpipes, starved and abused, and forced to perform sexual acts in exchange for cash to pay off their bills, according to the paper published by Chatham House this week.



Campaigners are calling on the global health community to take immediate action against medical detentions ahead of a high-level forum in Tokyo on universal healthcare, which begins on Tuesday. The UN, World Health Organization and World Bank will meet world leaders to discuss ways to improve healthcare for all by 2030.

“This is a systemic problem, and the number of rights abuses is quite profound: people are being detained without trial, they’re being locked up with security guards, and women are giving birth to babies who are entering the world, in effect, as prisoners,” said Robert Yates, project director at the Centre on Global Health Security, who co-authored the paper.


“Healthcare user fees are at the root of the problem, and this just shows how bad a privately financed health system can get. We need to do more research on this and the global health community needs to start taking this seriously.”


While exact numbers of medical detentions are unknown, in some countries the practice is so common that patients consider it “normal” for hospitals to detain those who cannot pay their bills. Politicians have used it to their advantage in the run-up to elections. Recently in Nigeria, an aspiring governor paid off a number of patients’ bills at a public hospital in Osun state, while the wife of a state governor in Abia showered nursing mothers with gifts, and paid off their bills, after visiting them in a hospital presided over by her husband.


Those most at risk of being detained are the poorest people, according to the paper, among them those needing emergency treatment and pregnant women, with many of them resorting to desperate tactics in order to escape detention.


Over a six-week period in 2016 in one health facility in the Democratic Republic of the Congo, 54% of women who had given birth and were eligible for discharge were detained for nonpayment of user fees, according to the study, with many women and children held for months at a time. In a Nairobi hospital in Kenya, women who had been detained post-childbirth for fees amounting to 210,000 shillings (£1,500), were having sex with doctors for as little as 300 shillings (£2.16) in order to pay off their bills.



“Healthcare really needs to be free of charge to the patient, because this is the consequence of making patients pay, and it is the worst situation in a whole range of very difficult situations: they may get the medical care they need but then they, or their belongings or their ID papers, are kept hostage,” said Dr Mit Philips, health policy advisor at Médecins sans Frontières.



“Unfortunately, because many of these health facilities don’t receive sufficient funding to provide adequate care even when patients can afford to pay, this is the kind of economic logic that results. If we’re serious about universal health coverage, then abolishing user fees would be a good place to start.”

__________________________________________

We will end on CREDIT REPORT/CREDIT SCORE public policy by reminding our US 99% WE THE PEOPLE that global banking 1% created this CREDIT REPORT INDUSTRY------it is not working for THE PUBLIC-----and it is PREDATORY as is all financial industry corporations.  The mantra of FREE CREDIT REPORT by three major CREDIT CORPORATIONS is a false flag.  It looks to be providing info but the search is very SUPERFICIAL.  One can look at that FREE REPORT and not see what a BANK OR RENTAL CAR agency may see.  These sites prompt you to connect a credit card to get more info---including a FICO score -----costing only $1-------then they have your credit card number.

Since the job of these corporations is to hook a consumer to more and more services ----that credit card number becomes a MONTHLY FEE for reports-----$35  or a fee for a larger debt search for $100.

Can a person who tries to use one of these three corporations get their credit card loose from this TRIAL PERIOD? 


Free Credit Report - Experian

www.experian.com/consumer-products Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax ® and TransUnion ® - once every 12 months. To get your Experian annual credit report online, and by phone or mail, visit www.AnnualCreditReport.com.

We try to use BANKS or RETAIL to generate a credit report ----or do the leg work ourselves.

Credit Report Cost
How Much Does a Credit Report Cost? 
Federal Law Requires: Free Credit Report Every 12 Months


One-Time Credit Report and Score: $15-$40Credit Monitoring Subscription: $155-$240 a Year
Post Comments (1) 
A credit report is a record of an individual's credit history, including their identity, current credit levels (mortgage, credit cards, loans, etc.) and public record information (court judgments, tax liens or bankruptcy proceedings). A credit score is a number based on the details in the credit report. There are three national credit bureaus -- Equifax[1] , Experian[2] and TransUnion -- and each assigns a credit score based on the information it collects, so the scores vary. Note that many lending institutions use the FICO score[3] to decide who qualifies for a loan, at what interest rate and with what credit limits.Typical costs:

• Under federal law, every 12 months each consumer is entitled to one free copy of his or her own credit report from each credit bureau. Request a report at AnnualCreditReport.com[4] or by calling (877) 322-8228. The free reports can be requested from all three companies at the same time, for a free annual credit overview, or ordered from one company at a time, four months apart, for more frequent free credit information.
• AnnualCreditReport.com is the official site where consumers can obtain their credit reports for free. There are look-alike sites, like the much-advertised FreeCreditReport.com, but these sites provide a "free" report while automatically enrolling the consumer in a monthly service with monthly fees. The Federal Trade Commission has issued a consumer alert[5] about websites that offer a "free credit report" but actually sign consumers up for a monthly credit monitoring service.
• The free credit report does not include a credit score, which must be purchased. Each credit bureau offers several services, including reports and scores from the other bureaus. Typically it costs $15-$16 for a one-time credit report and score from a single credit bureau, or $30-$40 for credit reports and scores from all three bureaus. The three companies also offer monitoring services for $13-$40 a month ($156-$480 a year) providing ongoing access to the consumer's credit report and scores plus options like email alerts if there are key changes, daily internet ID scanning, automatic fraud alerts or ID theft insurance. For example, Equifax offers one-time reports and scores[6] for $15.95-$39.95 and monitoring services[7] for $12.95-$19.95 a month ($155-$240 a year).
• All three credit bureaus offer a free or $1 deal for a credit report and score, but these typically require a credit card number to register and after a "trial" period ends the credit card is automatically charged a monthly fee for credit monitoring. For example, Experian[8] offers a "$1 credit score and report" but after 30 days the credit card is automatically charged $12.95 a month until the monitoring service is cancelled.
• Other companies provide credit monitoring services. For example, Costco offers its members an IdentityGuard[9] program with monthly credit updates and $20,000 in identity theft insurance for $7.49 a month ($89.88 a year).
• Running a credit check on potential tenants or employees can be done directly with the three main credit bureaus for their standard fees or through companies that specialize in obtaining credit checks and other information (such as criminal background checks) for landlords or employers. For example, YouCheckCredit.com[10] charges landlords $14.95 for a TransUnion credit report, $9.95 for an eviction report and $4.95 for prior address history verification; while MrLandlord.com[11] charges $59 for a site inspection of the rental premises, then two credit checks are free and additional checks are $9.95 each.

SOCIAL SECURITY DIRECT was the goal started during BUSH/OBAMA where global banking created a DEBIT/CREDIT CARD.   The DEBIT is simply mainlining to a checking account rather then credit and a few years banks started handing out DEBIT ONLY in place of CREDIT CARD.   All this was done while SOCIAL SECURITY went from PAPER CHECKS arriving for the senior to deposit anyway he/she wanted.  Now, only DIGITAL TRANSFER of SOCIAL SECURITY much like social service benefits.  Up until now, these seniors could bank ANYWHERE.  Private global banking brick and mortar handled these SOCIAL SECURITY DIRECT deposit accounts as any other consumer account.

What we in 2019----2020 is the creation of an BANK INDUSTRY geared to being the only resource for seniors receiving that DIGITAL SOCIAL SECURITY monthly payment.  This takes the process from FEDERAL SS TRUST to a private profiteering global bank.

WHAT COULD GO WRONG WITH THAT?

'Source: Washington Post, “A former bank CEO named his boat ‘Overdraft.’

Now that bank is in hot water over the fees.,” Jonnelle Marte, Jan. 22, 2017'

These banks will create any reason/method to get as much of that SS monthly check as possible.  This is what drove some of the targeting for OVERDRAFT FRAUDS-----seniors are a large group living with basic income.

DIRECT EXPRESS is simply SENIORS being DE-BANKED. What other group were DE-BANKED?  The PAYDAY LENDER INDUSTRY defrauding the working class these few decades of billions.  When you become DE-BANKED, your money is outside of ANY purview of oversight----very little exists in mainstream global banks.


'It's called the Social Security Direct Express card, and it's a prepaid debit card that allows you to access and use your Social Security benefits. The card is serviced by Comerica Bank, which is based in Dallas, Texas'.

Just before US TREASURY chose COMERICA as PRIVATIZED SOCIAL SECURITY in 2008------COMERICA moved its headquarters from Detroit to TEXAS. 


Comerica Bank Locations
Comerica Bank, Union Lake Commerce Road Branch
Full Service Brick and Mortar Office
3000 Union Lake Road
Commerce Township, MI 48382

61 reviews
Comerica Bank, Washtenaw-Huron Parkway Branch
Full Service Brick and Mortar Office
3305 Washtenaw Avenue
Ann Arbor, MI 48104

61 reviews
Comerica Bank, Pontiac Trail-Beck Branch
Full Service Brick and Mortar Office
47060 Pontiac Trail
Walled Lake, MI 48390

61 reviews
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Full Service Brick and Mortar Office
114 East Michigan Avenue
Saline, MI 48176

61 reviews
Comerica Bank, M59-Oakland Airport
Full Service Brick and Mortar Office
7070 Highland Road
Waterford, MI 48327

61 reviews
Comerica Bank, Southstate-Eisenhower Branch
Full Service Brick and Mortar Office
3001 South State Road
Ann Arbor, MI 48104

61 reviews
Comerica Bank, Plymouth Branch-Nixon
Full Service Brick and Mortar Office
2665 Plymouth Road
Ann Arbor, MI 48105

61 reviews
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Full Service Retail Office
7789 Sashabaw Road
Clarkston, MI 48348

61 reviews
Comerica Bank, Main Huron Branch
Full Service Brick and Mortar Office
101 North Main Street, Suite 100
Ann Arbor, MI 48104

61 reviews
Comerica Bank, Stadium Boulevard-Pauline Branch
Full Service Brick and Mortar Office
1969 West Stadium
Ann Arbor, MI 48103
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'In January 2008, the United States Department of the Treasury selected the company as the issuing bank for its Direct Express debit card program.


The federal government uses the Express Debit product to issue electronic payments, such as Social Security benefits, to people who do not have bank accounts (unbanked)'.

Here we see in 2016 COMERICA is starting a wholesale closing of BRICK AND MORTAR----with all that DIRECT DEPOSIT SOCIAL SECURITY.


Comerica Bank closing 16 Michigan branches

Newsby: Christa Ferguson
Posted: Oct 20, 2016 / 12:32 PM EDT / Updated: Oct 20, 2016 / 12:32 PM EDT

DETROIT, Mich. (WOOD) — Several West Michigan bank branches are closing as Comerica Bank cuts its budget, affecting more than 200 employees nationwide.


The company announced it would be making the cuts in July, but recently released which branches would be affected.


A Comerica executive confirmed the cuts were partially based on a changing industry in which more customers are turning to digital and mobile applications to do their banking instead of brick and mortar banks.


Nearly half of the 38 branch consolidations will happen in Michigan, where Comerica Bank was founded. The April 2017 closures include the following West Michigan locations:

• 1835 Breton Road SE, Grand Rapids
• 2500 Alpine Ave. NW, Walker
• 1535 West Michigan Ave., Battle Creek
• 4555 Dowling Street, Montague

The remaining Michigan branches facing consolidation include:

• 13650 Michigan Ave., Dearborn | Closing November 2016
• 22000 Northwestern Highway, Southfield | Closing November 2016
• 24525 Plymouth Road, Redford Township | Closing November 2016
• 23208 Van Dyke Ave., Warren | Closing November 2016
• 370 Ross Street, Beaverton | Closing April 2017 
• 2005 S Jackson Road, Jackson | Closing April 2017 
• 901 S. Creyts Road, Lansing | Closing April 2017 
• 401 S Saginaw Road, Midland | Closing April 2017 
• 39400 Woodward Ave., Bloomfield Hills | Closing May 2017
• Canton Mart, Canton | Closing May 2017
• 39200 Hayes Road, Clinton Township | Closing May 2017
• 44560 Ann Arbor Road, Plymouth | Closing May 2017

Comerica expects the cuts will save it $10 million to $13 million each year.


The company says workers impacted by the cuts will have an opportunity to apply for other positions at the bank, or they can accept a severance package and job search assistance.
______________________________________________


COMERICA BANK receiving SS AND DISABILITY from US TREASURY these few decades was able to expand from a Michigan state to Western region bank and of course PLENTY OF BANK FRAUD. That was done we can assume by defrauding SENIORS AND DISABLED.  So, COMERICA BANK CEOs got their BOATS probably named SOCIAL SECURITY DIRECT  EXPRESS ------SADIE for short.  We KNOW bank frauds from COMERICA were targeting seniors and disabled as low----moderate income consumers.

 'Source: Washington Post, “A former bank CEO named his boat ‘Overdraft.’

Now that bank is in hot water over the fees.,” Jonnelle Marte, Jan. 22, 2017'

Here in Baltimore when I go to a ATM in which NOSY NEIGHBORS AND THE GANG are allowed to HACK into my ATM account window to show a BALANCE which not is not REAL ---to make me think I have more money in my account than I do just so I will create an OVERDRAFT======that is what has been happening these few decades keeping targeted people from ever getting back on their feet------as some on THE NETWORK says-----WE ARE USING THOSE PEOPLE FOR MONEY.

HOSTING SERVER NOSY NEIGHBORS AND GANG illegal streaming 24/7 VIDEO PORN MULES contract with all kinds of corporations using that method of HITTING and hacking to attain ACCESS TO MONEY------

The point is this:  while last decade or so was a PILOTING of outsourcing our SOCIAL SECURITY TRUST to private profiteering and criminal bank chain-------it is NOW being made the ONLY way people receiving digitized checks from US TREASURY can BANK.  COMERICA BANK will close all brick and mortar---it will control all Social Security monthly payments---and it will be able to TARGET anyone's monthly payment.  These payments can have OVERDRAFT fraud---can have LATE POSTING throwing senior's off a tight budget---or that bank can make an entire month's SS payment DISAPPEAR.  There will be no way a SENIOR/DISABLED can fight this loss.  

THIS IS WHAT IS HAPPENING IN BALTIMORE------WITH PEOPLE ON THE NETWORK SAYING JUST THAT-----NOT EVERYONE ON THE NETWORK BUT THERE IS A CRIMINAL ELEMENT ALLOWED TO PREY ON TARGETED POPULATION GROUPS.

This is HITTING today lower-income SS AND DISABILITY people now but the goal is having ALL SS monthly payment tied to this bank industry only.


Comerica scrambles to address fraud in prepaid benefits program


By Kate Berry
August 26, 2018, 1:51 p.m. EDT


Comerica Bank has shut down a component of its prepaid card program for federal benefits recipients after a recent spate of fraud cases.



Fraudsters have exploited security flaws in Comerica's Cardless Benefit Access Service to drain accounts belonging to federal beneficiaries, including retirees who receive Social Security benefits and veterans who rely on disability payments to make ends meet.


The service, which Comerica says is now discontinued, was part of the Direct Express program, a partnership between the Texas bank and the U.S. government that allows users without bank accounts to access their funds through prepaid cards.


The Cardless Benefit Access Service allows consumers to withdraw funds if they have lost their card, even when they are away from their home state. But in hundreds of cases the program allegedly dispensed funds to fraudsters, who had previously gained access to cardholder data and posed as the benefits recipients.



“Direct Express didn't put up a red flag, even though they had all the information about the money being wired to Florida, when we live in Massachusetts, but they just sent the money,” said Jackie Densmore, the caregiver for her brother-in-law, Derek Densmore, a disabled Marine who receives benefits. “We were thinking it was safe because it's the U.S. Treasury."



Cardholders allege that criminals — potentially working with insiders, such as call-center employees or third-party card manufacturers — stole Direct Express card numbers, addresses and three-digit card identifiers, enabling them to make fraudulent online purchases. In some cases, criminals also called Direct Express to report cards as lost or stolen, or to have PIN numbers changed, and had payments routed to MoneyGram locations where they could pick up a check and cash it.



Several victims of fraud claim Comerica has been slow in reimbursing them their money and in some cases has even suspended their accounts pending an investigation, restricting them from accessing new benefits payments. In some instances, they say Direct Express also charged cardholders fees to reissue and activate new cards after a fraud had been committed.



“Direct Express is holding customers hostage as a result of their own incompetence,” said J.B. Simms, an author and retired private investigator, who complained to the program after discovering fraudulent charges on his Direct Express account in December 2017.



Comerica shut down the cardless service on Aug. 18 and, victims said, took more concerted steps to return cardholders' funds only after American Banker raised questions about the allegations of fraud. Some accountholders, including Simms, have been complaining to Comerica for months.



Comerica said that it believes the Direct Express fraud is limited to the cardless service, and that one employee at a Direct Express call center has been fired over the security breach. Comerica has oversight of the Direct Express program but outsources the main call center function to Conduent, a publicly traded conglomerate in Florsham Park, N.J.



“Criminals have found a way around the controls that we put in place to safeguard cardholders,” said Nora Arpin, a Comerica senior vice president and director of government electronic solutions. “We’ve taken action to shut down the Cardless Benefit Access Service and have begun an investigation.”



Arpin said “only a few hundred cardholders” were affected, or just 0.13% of Direct Express’ 4.5 million prepaid debit cardholders.


Conduent declined to comment and referred all calls to Comerica.
The federal government oversees benefits payments through the Bureau of the Fiscal Service, an arm of the Treasury Department.


“The Bureau of the Fiscal Service is working with the Treasury Office of Inspector General, Comerica and its partners to effectively address bank card fraud and other consumer concerns, and protect the more than 4.5 million Direct Express benefit recipients who rely on this program for their monthly federal benefits,” said Thomas Santaniello, a spokesman for Treasury's Bureau of the Fiscal Service.


Call centers targeted by organized fraud rings


Arpin laid the blame squarely on organized fraud rings that are known to target call centers. In the case of Direct Express, she said, the fraudsters used data acquired from prior breaches to impersonate cardholders and steal government-issued benefit payments.


“There isn’t a single aspect of the payments system — credit cards, checks, cash — that doesn’t experience fraud,’’ Arpin said. “We very much empathize with the fact that there are circumstances in which being without the money is a very difficult situation for the cardholder.”



For the defrauded cardholders, however, the loss of monthly federal benefit payments has caused untold financial havoc. Cardholders describe having panic attacks, being unable to pay their rent and spending hours trying — unsuccessfully — to get reimbursed by Direct Express.



Cardholders allege that Direct Express typically refused to reimburse them their money when they lodged an initial complaint, and that program operators claimed the bank would first have to conduct an investigation.



Under Regulation E, the bank has 45 to 90 days to investigate fraud a claim. However, consumers can get their funds restored more quickly if they submit a written statement alerting Direct Express that they were a victim of fraud. The bank then has 10 days from receiving the statement to send a provisional credit to the consumer.



‘So I can pay my bills and purchase my medicines'
One of the more harrowing stories came from Kenneth Tillman, a Marine Corps combat veteran in Aurora, Colo., who suffers from post-traumatic stress disorder.


On Aug. 1, Tillman went to a pharmacy to buy medicine but his Direct Express card was denied. When he checked the Direct Express app on his phone, it showed a zero balance.



“I went into a panic mode,” he said.
He said he initially spent two hours trying to get through to Direct Express and finally drove to his therapist’s office. They contacted the call center together.



After finding three fraudulent charges at a Walgreens store in San Francisco, Direct Express suspended Tillman's account. But a call center employee refused to issue Tillman a credit for his roughly $750 in monthly benefits, he said.



“They told me it would take 90 days to get my money if they determined it was fraud, even though the lady told us it was fraud,” Tillman said.


Later that day, Tillman was admitted to a hospital, where he was treated for a week for pneumonia, said Rita Roberts, his therapist and a founder at New Start Recovery, an Aurora, Colo., counseling center.


“He’s been sick since the moment this happened because he couldn’t handle the stress,” Roberts said.
Tillman said when he was released from the hospital, on Aug. 17, he sent a letter to Direct Express, which required a written statement in order to start an investigation and give him a credit for his funds.


He wrote in the statement: “I need my [Social Security Disability Insurance] payment to be immediately reimbursed to me so I can pay my bills and purchase my medicines.”


Paul Katynski, 59, a disabled maintenance supervisor, called Direct Express on Feb. 6 to get the balance on his account, but instead got a recorded message that his PIN did not match. He reset his PIN. A day later, $1,971 in disability benefits were drained from his account.


“I knew something was wrong when I went to get my money and there was no money,” Katynski said.
He immediately called Direct Express, which told him that he had reported the card as lost.


“I said, ‘I don’t think the card is lost, since it’s right here in my hand,’ and I had to convince Direct Express that I was me,” he said. “It was scary.”
With his rent already due — and fearing an eviction notice — Katynski asked Direct Express to send him a MoneyGram, but they would only send $1,000, or half his benefit payment, he said.



In the meantime, Direct Express shipped out a new prepaid card and gave Katynski the tracking number, he said.
A day later, he called to get a delivery update and found the card had been re-routed to an address in Miramar, Fla. Another call to Direct Express, and a 40-minute hold, and he was able to cancel the second card, averting another fraud.



Direct Express charged him $59 in fees, which relates to him receiving and activating two new cards, as well as receiving two MoneyGrams that he needed to pay his rent.
"This is a lot of money that people are stealing and it happens every day, and it's sad, and no one is doing anything about it,” Katynski said.


'Purely for the cardholder'
However, Tillman, Katynski and others say Comerica ultimately reimbursed them all of their missing funds and fees, but only after American Banker had contacted them.


Arpin defended the bank's policy to suspend beneficiaries' prepaid accounts immediately after a fraud complaint, saying it is meant to protect accounts from any further fraud.


“Card suspension is purely for the cardholder,” she said. “If we identify the fraud through our scanning systems, then we reimburse the cardholder within 10 days. When fraud is identified before the cardholder calls us, we’ll make an outbound call. If we can’t reach the cardholder, we’ll temporarily suspend their card.”


But some cardholders disputed the processes and procedures used by Direct Express, saying they got no help from the call center or Comerica, even after providing information about fraud that could have allowed law enforcement to track down the criminals.
Derek Densmore, of Bourne, Mass., the disabled Marine, was distraught after $814 in disability payments got routed to a MoneyGram at a Walmart superstore in Hollywood, Fla., said his sister-in-law, Jackie Densmore. (As his caregiver, she is the payee on his Direct Express account.)


When she called Direct Express on Aug. 3 to check the account balance, there was a recording saying the debit card had been canceled and a new one would be sent in the mail. Densmore waited until Aug. 10, but by then, her brother-in-law’s benefits had been stolen. She was shocked that Direct Express did not call her to check before sending his benefits via MoneyGram to another state.


Frustrated at not being reimbursed, she searched social media for information about Direct Express and Comerica’s operation of the program. She came across Simms, the retired investigator, who had posted his contact information on Facebook. They began talking and sharing notes.


Simms had reported improper charges on his Direct Express account in December 2017. But he had no luck getting the money reimbursed by Direct Express.


He ultimately got reimbursed $234 back from Zulily, the merchant where fraudulent charges for clothing and perfume had been made, he said.


He claims criminals who stole Social Security and disability benefits “could have been stopped if Direct Express or Comerica had a fraud unit that could communicate with customers and law enforcement.”
“The red tape you have to go through to get to these people is insane,” Densmore said. "Disabled veterans and the elderly don't stand a chance when their money is taken and they give no answers."



Cardless service met a need, but carried risks
Arpin said the Cardless Benefit Access Service, launched in August 2017, addressed a need to provide cardholders with access to their funds in an emergency if they were not in possession of their cards.


There were “unfortunate situations where somebody didn’t have their [Direct Express] card and was in a state other than where they live,” she said “One of the challenges we’ve had with the program is that cardholders are often without their cards and they were looking to get access to their money faster.”


She declined to describe the bank’s security measures to prevent fraud, citing confidentiality.


She said Comerica’s oversight of the Direct Express program includes visiting the call centers several times a year and listening monthly to recordings of calls to assess how the Conduent-run call centers are performing.

Conduent is a global provider of diversified business services that operates in 11 different industries, with offices from India to Jamaica. In July, two U.S. senators called for an investigation into allegations that Conduent billed customers for inaccurate electronic tolling charges in Florida and Michigan.

SO, CONDUENT IS HANDLING OUR US SS MONTHLY PAYMENTS TO A COMERICA BOTH OUTSOURCED AND CRIMINAL.



Julie Conroy, the research director in Aite Group's retail banking practice, said organized crime rings are attacking call centers more than ever before.


“Organized crime rings will go to great lengths to infiltrate contact centers,” Conroy said. “There should be more controls over authentication, what is a genuine request and confirming that it is the actual consumer.”


Treasury's IG performing follow-up audit of Direct Express


Comerica won the government contract to oversee Direct Express in 2008 and the contract was renewed in 2014, despite some criticism by the Treasury OIG in prior audits over how the program was being run.


In June, the Treasury’s OIG issued an “engagement memo” to Treasury related to the Direct Express program. The memo informed the Bureau of the Fiscal Service of a follow-up audit to determine if program administrators had responded to 14 recommendations included in IG audits in 2014 and 2017.


"Two months ago, we notified Fiscal Service that we were going to undertake a corrective action verification study to see if the recommendations we made were followed up," said Rich Delmar, counsel to Treasury Inspector General Eric Thorson.


The recommendations included that the program assess the costs and burden of the program to the cardholders; establish a quality assurance surveillance plan to monitor and document Comerica's performance, including service-level requirements; track Comerica's revenues and expenses; and periodically assess whether the bank's compensation is "reasonable and fair."


The OIG expects to complete its audit by the spring of 2019, Delmar said.
___________________________________________

THE GORILLA IN ROOM PUBLIC POLICY FOR SENIORS AND BANKING------IS THE PRIVATIZATION OF ALL SS MONTHLY DISTRIBUTION------WHICH CANNOT BE HELD ACCOUNTABLE.  Any NGO not mentioning this is not working to PROTECT SENIORS.


CANADA being hyper-neo-liberal LAISSEZ FAIRE ONE WORLD PRIVATIZING ALL IS PUBLIC------is doing the same thing to their seniors and what is Canada's version of SS AND MEDICARE. Outsourcing from NATIONAL AGENCIES the task of sending and receiving SS monthly payments to VERY PRIVATIZED PROFITEERING BANKS ----has no intent to PROTECT these funds.


'Though the code was published on July 25, it has various timelines such as designating a seniors' champion by Jan. 1, 2020 and training for employees dealing with seniors by Jan. 1, 2021. (Hedgehog94/Shutterstock)'


THESE FUNDS WILL NOT BE PROTECTED JUST AS GLOBAL BANKS LOOTING MORTGAGE LOANS----EDUCATION LOANS THROUGH PRIVATE STRUCTURES CALLED FANNIE/FREDDIE/SALLIE MAE.

This privatized bank structure can be called SADIE MAE------for SOCIAL SECURITY DIRECT EXPRESS and it will do with our SS monthly funds what was done with a successful FHA public housing loan----and a successful DEPT OF ED student loan program----

'The president of the P.E.I. Senior Citizen Federation is pleased with a new voluntary code of conduct for banks when it comes to dealing with customers 60 and older'.


FILL IT WITH FRAUD AND CRIMINALITY.

When a bank is 'hacked' by criminals THESE DAYS in the midst of 24/7 streaming video aimed at all BANK ATMS-----and criminals on THE NETWORK bragging about being able to HIT any person for fraud------

THAT IS THE PROBLEM AND A SENIOR'S FOCUS NGO-----LIKE AARP WILL NOT HAVE POWER TO STOP IT.

Sorry, no VOLUNTARY CODE OF CONDUCT for banks to protect SENIOR SS AND DISABILITY monthly payments.

Here in Baltimore the HOMELAND SECURITY is on THE NETWORK able to hear NOSY NEIGHBORS AND THE GANG


---------'RCMP warn Island seniors about fraudsters and scam tactics'


PEI


Seniors' banking focus of new voluntary code of conduct for banks


Social Sharing


Seniors' champion role to be added at participating banks


Tony Davis · CBC News · Posted: Aug 07, 2019 7:00 PM AT | Last Updated: August 7, 2019


Though the code was published on July 25, it has various timelines such as designating a seniors' champion by Jan. 1, 2020 and training for employees dealing with seniors by Jan. 1, 2021. (Hedgehog94/Shutterstock)


The president of the P.E.I. Senior Citizen Federation is pleased with a new voluntary code of conduct for banks when it comes to dealing with customers 60 and older.



The Code of Conduct for the Delivery of Banking Services to Seniors is an initiative of the Canadian Bankers Association.


Banks across Canada that operate under the Bank Act or are part of the association will now have a new staff member by the end of the year to deal specifically with seniors' banking — a seniors' champion.


The role is one part of the code of conduct, published and adopted on July 25.

Russ Noiles, president of the P.E.I. seniors' federation, said he's glad banks are addressing customers in the demographic.


The code of conduct highlights several principles such as, establishing and implementing appropriate policies and procedures to support the code and making resources available to employees to help them understand matters relevant to seniors' banking.


Seniors bank in person It also advises that banks take into account market demographics and the needs of seniors when closing branches.


Last August the CIBC in Murray River shut down. This July, the Scotiabank branch in Morell closed its doors.

• Thursday the last day for Murray River bank

• Morell down to 1 bank after Scotiabank closes

"You can bet there is a lot of other small branches around that are teetering on it," Noiles said.
He said it is tough enough for seniors to get to their bank, "let alone have to go to another town to do their banking."

'We would like it not necessarily volunteer. We'd like to see it kind of on a mandatory side,' says Russ Noiles of the P.E.I. Senior Citizen Federation, of the code. (Russ Noiles)Other principles highlighted in the code include communicating effectively with seniors, disclosing steps taken to support the code and providing appropriate training to employees who serve seniors.


Noiles said a lot of seniors still bank in person.
"We still have seniors that are in the era that computers scare them," Noiles said. He also said for some people who have done the same thing for years, it is hard to change habits.


"They feel more comfortable talking to someone they know," he said.


Cut down potential to scamAnother principle is mitigating potential financial harm to seniors.
Noiles said he has heard of seniors on the Island who have been taken advantage of.

• RCMP warn Island seniors about fraudsters and scam tactics

"Even with joint bank accounts you know, they could be skimming money out of the account without their parents notification," Noiles said. He said even with credit cards if someone, even in your family, knows your PIN it opens the senior up to a scam.


Noiles said he is happy about a "consistent" voluntary code, but there could be more done.
"We would like it not necessarily volunteer. We'd like to see it kind of on a mandatory side," Noiles said. Then every bank would have a code of conduct dealing with seniors that is consistent across the country, he said.


Though the code was published on July 25, it has set a timeframe for banks to implement some of its recommendations. 


Banks are expected to designate a seniors' champion by Jan. 1, 2020 and have employees that work with seniors specially trained by Jan. 1, 2021.


_______________________________________



This Canadian agency FCAC is the same as our US CFPB-----like CFPB claiming to hold those banksters accountable--it is simply an arm of US FED tasked with protecting corporate/business shareholder interests----NOT our US 99% WE THE PEOPLE especially SENIOR trying to get that RETIREMENT.

Canada is being the same infrastructure as US since this is GLOBAL BANKING 1%-----ONE WORLD ONE GOVERNANCE.

Seniors in all Western nations having century of LEFT SOCIAL PROGRESSIVE SAFETY NETS like UK and Canada's public health system now being privatized are all facing the hand---off of public funds to global banking infrastructure having spent these few decades of ROBBER BARON frauds stealing our PUBLIC AND GOVERNMENT ASSETS.

These agencies CFPB------or FCAC are not working for team 99% WE THE PEOPLE.



'Consumer Financial Protection Bureau - USA
www.usa.gov/.../consumer-financial-protection-bureau

The Consumer Financial Protection Bureau helps consumers by providing educational materials and accepting complaints. It supervises banks, lenders, and large non-bank entities, such as credit reporting agencies and debt collection companies. The Bureau also works to make credit card, mortgage, and other loan disclosures clearer, so consumers can understand their rights and responsibilities'.



Watch out for global banking 1% using this new SADIE MAE------SOCIAL SECURITY DIRECT EXPRESS DEPOSIT.




FCAC to monitor banks’ compliance with new voluntary code of conduct to protect seniors 


From: Financial Consumer Agency of Canada
News releaseJuly 25, 2019
Ottawa, Ontario


Today, the banking industry adopted a Code of Conduct for the Delivery of Banking Services to Seniors (the code). The Financial Consumer Agency of Canada (FCAC) will monitor banks to ensure they comply with the code.


The code is an important first step in guiding banks in their delivery of services to meet the needs of seniors. Banks who have signed on to the code must abide by its principles. 


The code will come into effect by January 1, 2021. However, effective immediately, banks must abide by principles 5 and 6, which will require them to mitigate potential financial harm to seniors and take into account market demographics and the needs of seniors when proceeding with branch closures.


Should FCAC find that a bank has breached a voluntary code, it will take appropriate action as outlined in its Supervision Framework.



FCAC will continue to engage with seniors’ groups, financial institutions and other public, private, not for profit and academic sector stakeholders on specific issues related to seniors and banking. 


Quotes“As Canadians live longer, some seniors may face challenges that impact their ability to bank. This voluntary code of conduct marks an important first step in guiding banks in their delivery of products and services that meet the needs of seniors. FCAC will actively monitor banks’ compliance with this code and ensure its principles are upheld.”



Werner Liedtke, Assistant Commissioner, Financial Consumer Agency of Canada


"Our Government is committed to making banking safer and more secure for seniors. As part of this commitment we called for the creation of a code of conduct to guide banks in their delivery of banking products and services to seniors. This code will contribute to a positive banking experience that meets the needs of seniors.”


The Honourable Filomena Tassi, Minister of Seniors
Quick facts

• Voluntary codes are commitments that banks make to their customers. They outline obligations to which industries agree to adhere. They also provide clarity around key issues, and encourage federally regulated financial institutions to conduct themselves in ways that benefit them and consumers. 
  
• The Fall Economic Statement 2018 issued by the Minister of Finance stated that “the Financial Consumer Agency of Canada will engage with banks and seniors’ groups to create a code of conduct to guide banks in their delivery of services to Canada’s seniors.”
• FCAC engaged with seniors’ groups, financial institutions and experts to identify banking challenges experienced by Canadian seniors. The Agency also conducted public opinion research.
• The code’s principles guide banks in their delivery of banking products and services to Canada’s seniors.
• FCAC’s Supervision Framework describes how the Agency fulfills its legislative mandate to promote, monitor and enforce compliance with financial consumer protection requirements.
• Seniors are a rapidly growing segment of Canada’s population. Canadians are living longer, which can bring health, mobility or cognitive changes that may impact their ability to bank.

This week we will discuss BANKING PUBLIC POLICY with two major topics---one looking at banking for seniors/disability and one looking at what major bank fraud global banking is unleashing on our US 99% WE THE PEOPLE.  We see hundreds of millions of dollars in court awards for bank fraud one way----then the bank turns around and does it another way.

OVERDRAFT charges were the frauds of OBAMA era ------the fix was OVERDRAFT PROTECTION services-----and now for seniors receiving SS MONTHLY online deposits----they are DE-BANKING you creating a kind of FOOD STAMP EBT------pushing more and more people out of the PRIVATE banking system.

OVERDRAFTING is a problem created by the consumer IN MOST CASES.  The banks have frauds which bring consumers into OVERDRAFT without that consumer being negligent.  The bottom line is this:  If you don't bring bank profits that can DEBANK you.

Another way to be BEBANKED is to have a POLITICAL LEANING that banks don't like----like being right wing conservative or a REAL LEFT SOCIAL PROGRESSIVE----you know those ALL-AMERICAN political parties.  Global banking 1% require FAR-RIGHT LIBERTARIAN MARXISTS.

SO, CITIZENS' OVERSIGHT MARYLAND AS PRO-BANKING REGULATION CAN BE DE-BANKED AS A WHOLE FOR THAT VOICE.  CONSERVATIVES ARE THE EARLIEST ACCORDING TO FAKE NEWS MEDIA.


Social Security Direct Deposit

•Jun 10, 2014

Barbara Walker-Green
79 subscribers
Telecast: 2/5/2013

Before Retirement Social Security


Important Facts About the Social Security Direct Express Debit Card
LaToya Irby
Updated February 17, 2020

Paper checks and direct deposits aren't always the most convenient way to receive your Social Security or Supplemental Security Income (SSI) benefits. A paper check requires a trip to the bank and direct deposit requires you to have a bank account. But there's an alternate way to receive your monthly benefits: a Social Security debit card.


It's called the Social Security Direct Express card, and it's a prepaid debit card that allows you to access and use your Social Security benefits. The card is serviced by Comerica Bank, which is based in Dallas, Texas.


You don’t need a bank account to get the card or to access your funds, which makes it a good choice if you’re not a bank customer. Having a Direct Express card also eliminates expensive check-cashing fees charged by check-cashing venues. You can use the card anywhere that accepts MasterCard debit cards.





Who Is Eligible for the Social Security Debit Card? Anyone receiving Social Security or Supplemental Security Income benefits is eligible to use this card.


Because it’s a prepaid debit card, you can only use your Direct Express Social Security debit card if you have funds in your account. Once you’ve spent or withdrawn your entire account balance, you’ll have to wait for your next monthly disbursement to use your card again.


You cannot deposit personal funds onto the card. You must open a separate bank or prepaid card to deposit personal funds.




How Does It Work?


The federal benefits are paid directly to your card on your monthly payment date. You won’t have to wait for a check to arrive in the mail. If you have another bank account, you can transfer the funds into another bank account, but you'll pay a $1.50 fee for each transfer to a U.S. bank account.3 If you already have a bank account with a debit card, enrolling in direct deposit may a better option.


Your card comes with a personal identification number (PIN) that you use to authorize transactions or withdrawals. You can also have your transactions processed as "credit" rather than "debit," which means you sign for purchases instead, as you would with a credit card. The funds are still deducted from your balance even when you choose the credit option.


Purchases, withdrawals, and transaction fees are deducted from your balance. Once you’ve spent all the funds on the card, you’ll be unable to use it until your next month’s benefits are paid.



You can be assured your money is safe: the funds in your account are FDIC-insured up to the legal limit.

Using Your Card

To get cash, you can use your card to withdraw funds from an ATM or get cash from a Walmart Money Center or Customer Service Desk. You get one free ATM cash withdrawal per deposit; after that, there’s a fee of 85 cents for each additional ATM withdrawal. Plus, the ATM operator may charge an additional fee if you use an ATM outside the Direct Express network. If you choose to get cash over the counter at Walmart, the fee is 85 cents. No additional Walmart fees apply.


You can also use your Direct Express card to shop and pay bills online. Alternatively, you can visit the U.S. Post Office to purchase a money order to pay your bills. You’ll only pay a fee to the post office to cover the cost of the money order.


Checking your account balance is free.

You can find out your balance by calling the toll-free customer service number found on the back of the card, by visiting the website, or by checking the app. ATM balance inquiries are available for free, too—just make sure your selected ATM shows the MasterCard symbol.


If you opt into monthly paper statements to receive a physical record of your account details, you’ll be charged a fee of 75 cents each month.

Limitations of the Social Security Debit Card

While you can use the Direct Express Social Security debit card for the majority of your purchases, there are some limitations.


You can use your card for online purchases as long as the retailer accepts MasterCard debit as a payment method.


To use your card for gas purchases, you must pay the clerk inside the gas station; you cannot pay at the pump. If you use your Direct Express card to rent a car, the car rental agency will place an authorization hold on up to $500 of your funds. The authorization hold will be released when you return the rental car, but the money might not get back to your account for up to two weeks.3 In addition, the car rental agency may request additional documentation because you're not using a credit card.


Depending on the merchant, you may experience a "hold" or block on your account when renting a car or reserving a hotel room. Companies do this to decrease their risk; speak to the rental agent or clerk when paying to find out when the block will be removed (it could be up to 72 hours).

How Your Credit Score Is Affected

While it looks and swipes like a credit card, the Direct Express card is not a credit card. There's no credit check is required to receive the card or to have your benefits deposited to the card each month.3


When you make purchases, you’re not borrowing money and there’s no balance to repay each month. Your card usage isn't reported to any of the major credit bureaus, which means it's not included in your credit report and won't impact your credit in any way. You can, however, use the card for paying other monthly bills that may affect your credit.

Preventing Losses and Fraudulent Activity

It's important to protect your Social Security debit card like you would any other credit or debit card or even your cash.


Keep your PIN safe and don't share it with others. If your Direct Express card is lost or stolen, you should report your missing card immediately by calling the customer service number on the back of the card. Direct Express will replace your card so you can continue to access your account. The first replacement card each calendar year is free; after that, there’s a $4 fee to replace a missing card. Your replacement card should arrive in the mail within seven to 10 days.3


You can have a replacement card expedited by request. The fee for this service is $13.50.

Liability Protection

Fortunately, when it comes to a lost or stolen card, your Direct Express card is protected just like a traditional bank debit card. Since the card is a Master Card prepaid debit, you get MasterCard's Zero Liability Protection—which means you won't be held responsible for unauthorized transactions (although exceptions may apply).


Reporting a missing card within two days limits your liability for losses to $50.5 If you wait until after two days but report your missing card within 90 days (this limit is 60 days for traditional debit cards), you could be liable for up to $500 in losses.3 After that, you could be liable for all the losses on your account. Therefore, it's in your best interest to report a missing card as quickly as possible.


Check your account balance often to verify the purchases are yours. If you spot fraudulent activity on your account, report it right away. You may need a replacement card if your card number has been compromised.

How to Sign up for a Social Security Debit Card You can sign up for the card at your local Social Security office or by calling the Direct Express card enrollment center at (800) 333-1795.3 Representatives of payees can sign up the same way.


Once you sign up, your Social Security Benefits will be paid directly to your Direct Express card account for you to access each month.

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The largest fraud of hundreds of billions of dollars during OBAMA era was this OVERDRAFT FEE fraud.  This fraud worked several ways with the consumer starting the problem by being a few dollars or many dollars short of funds.  The courts made this criminal and then OVERDRAFT protection services appeared.  As someone who uses overdraft  now and again I like having that option.  What is happening is this: 

HOSTING SERVER NOSY NEIGHBORS AND THE GANG on THE NETWORK can be HITTING someone----can be TARGETING someone and have ready access to anybodies ATM INFORMATION.  They are being allowed to hack into that ATM to give FALSE ACCOUNT BALANCES.  This leads the consumer to spend beyond that limit of funds------thinking he/she had more in that account then they did.  This is FEDERAL WIRE FRAUD NUMBER 1---but in Baltimore it happens ALL THE TIME targeting low-income people.

As US CITIES become FOREIGN ECONOMIC ZONES----the movement of the US CITY POPULATION OUT of the city to be replaced by NEW CITIZENS have these devices for HITTING people's wealth built in-----and done OPENLY on THE NETWORK.

DON'T WORRY---THIS IS ONLY HAPPENING TO 'THEM' NOT 'US'.

One of the more common is below----where $38 is charged for simply overdrawing the cost of a cup of coffee.  The banks leave a window of 0-$5 below account balance without charge---but many banks DO CHARGE and wait for you to come in to ASK FOR THAT REMOVAL OF CHARGE.


'The amount of the item is less than $5'

Bank facing fraud charges related to overdraft feesOn behalf of Consumer Justice Center P.A. | Jan 26, 2017 | Consumer Fraud
Minnesota-based TCF National Bank is in hot water with the authorities, facing accusations of fraud. The Consumer Financial Protection Bureau has taken action to combat the bank’s questionable overdraft program.
An overdraft fee happens when a person accidentally takes money out of an account that exceeds the amount that is actually in that account — using a debit card to pay for $200 of groceries, for example, when there are only $150 in the account. These fees often run in the realm of $35. However, they’re so common that banks earn quite a lot on them, and one chief executive officer even bought a boat that he named “Overdraft”.
When the financial crisis hit late in the last decade, federal regulations changed. Banks had to get people to enroll in overdraft programs if they were going to charge the fees on ATM withdrawals or debit purchases. These programs were not mandatory.
According to the lawsuit, though, TCF National Bank tried to trick customers into signing up. They simply asked them if they wanted to join the program at the same time other mandatory terms were shown, as they were opening new accounts. These people then assumed the program was also mandatory and signed up. This had such a huge impact that the enrollment rate doubled.
This story shows just how crucial it is to always read the fine print and understand exactly what you’re agreeing to. If you’ve been intentionally misled or deceived, by banks or other corporations, it’s important you know what rights you have. These corporations may have violated regulations and taken advantage of their customers.
_____________________________________________

This was the major overdrafting fraud from OBAMA era------a person may have deserved one overdraft charge but ended having multiple charges.  The bank manipulated the posting to assure that maximum overdraft fee.

This happened quite often here in Baltimore ----happening especially to low-income who don't have a standing balance.


'“Banks will say (high-to-low clearing) is for the consumer,” he says. “Bottom line is, when it was pitched, we’d say … a side effect is that it results in more fee income to you because it bounces more checks.” Colbert says that after leaving Profit Technologies, he joined a credit-counseling firm and saw the damage fees did to consumers.
Just to make this clear: Say you have $100 in your checking account and four checks arrive at your bank in the following amounts: $15, $20, $30, and $150. If you clear them in that order, the first three are fine and only the last one incurs an overdraft. If you clear them in the opposite order, all four incur overdraft fees. Ka-ching! That’s why banks like to clear high to low'.

• Commentary

July 10, 2009The Overdraft Scam

• Kevin DrumPolitical BloggerBio | Follow

Kathy Chu reports on the overdraft fee scam, which currently generates nearly $40 billion in income for banks — by far their most lucrative source of fees and penalties:
Some consultants offered banks ways to boost overdraft and credit card revenue. A 2001 “checklist” from Profit Technologies — a firm that has worked with 19 of the USA’s 20 largest banks — has more than 600 strategies….One strategy listed to boost overdrafts:


“Allow consumers to overdraw their … accounts at the ATM up to the bank’s internally set limit.”

To increase credit card fees, banks can “delay crediting of payments not received in bank provided envelop (sic) or for which payment coupon is not received for up to 5 days,” and “remove bar coding from remittance envelopes,” slowing the payment.

….Has banks’ pursuit of profit gone too far? Ken Vollmer, 49, of Augusta, Ga., thinks so. He sued Wachovia this year, alleging it “purposely structured transactions to make money.” A merchant mistakenly put a hold on his funds, then the bank cleared transactions from high to low, triggering hundreds in overdraft fees, he says. Spokeswoman Richele Messick says Wachovia processes transactions in an “appropriate” way and will “vigorously defend” itself in the case.
Banks clear larger payments first, says Talbott, because they tend to be more important. But Douglass Colbert, who advised banks on overdraft and card strategies at Profit Technologies, says fees are a key driver.
“Banks will say (high-to-low clearing) is for the consumer,” he says. “Bottom line is, when it was pitched, we’d say … a side effect is that it results in more fee income to you because it bounces more checks.” Colbert says that after leaving Profit Technologies, he joined a credit-counseling firm and saw the damage fees did to consumers.
Just to make this clear: Say you have $100 in your checking account and four checks arrive at your bank in the following amounts: $15, $20, $30, and $150.  If you clear them in that order, the first three are fine and only the last one incurs an overdraft.  If you clear them in the opposite order, all four incur overdraft fees.  Ka-ching!  That’s why banks like to clear high to low.


___________________________________________

The goal MOVING FORWARD as we say is to eliminate ALL BRICK AND MORTAR banks------this forces low-income---seniors/disability----working class -----out of brick and mortar banks and once that industry grows ALL BRICK AND MORTAR BANKS will close-----along with access to that COLD HARD CASH.




'6 February 2020 - Citizens Party Media Release

STOP PRESS: Morrison blinks on cash ban!

The Morrison government has delayed the Senate report on the cash ban, originally due tomorrow, until 28 February to consider the evidence. The flood of calls that Senators are receiving are working! Keep up the pressure.

Banks are private businesses and have the right to close the accounts of any customers they no longer wish to do business with. It’s called debanking and it’s not uncommon. If the g...'

The tyranny of ‘debanking’—cash ban puts everyone at the mercy of banks
6 February 2020 - Citizens Party Media ReleaseSTOP PRESS: Morrison blinks on cash ban! The Morrison government has delayed the Senate report on the cash ban, originally due tomorrow, until 28 February to consider the evidence. The flood of calls that Senators are receiving are working! Keep up the pressure.
Banks are private businesses and have the right to close the accounts of any customers they no longer wish to do business with. It’s called debanking and it’s not uncommon. If the government passes its totalitarian ban on cash transactions, starting at $10,000 but with a view to reducing it over time, Australian businesses and individuals who get debanked will be effectively locked out of the economy, stuck in a commercial limbo in which they are unable to engage in any significant transactions. One debanked business owner said to the Citizens Party: “If they pass the cash ban, what am I to do? They may as well send me to jail.”
At the 12 December Senate hearing on the cash ban bill, the Small Business and Family Enterprise Ombudsman and the Australian Taxpayers’ Alliance raised the issue of debanking to the surprised senators, who had never heard of it before. Here’s an excerpt of the transcript:
Dr Craig Latham, Deputy Small Business Ombudsman: “But we’re coming across a number of situations where banks are actually removing people from their books. We call it ‘debanking’ … not offering services. This could be point-of-sale equipment, but it could also be holding an account with the bank. It is happening across a number of industries—newsagents, adult services and other industries as well. We’ve seen examples of people associated with tattoo parlours or gun shops being debanked as well.”
Senator Rex Patrick, Centre Alliance: “For social conscience reasons, are you saying?”
Dr Latham: “We are having trouble fathoming exactly for what reason you would try to debank legitimate businesses.”
Senator Patrick: “In that respect it would be quite legitimate for businesses to try to debank banks, because they have an awful track record and the government is in effect forcing people to use these very entities that engage in abhorrent commercial conduct.”
Alexandra Hordern, Director, Advocacy, Small Business Ombudsman: “I think the key is: if a bank refuses to deal with a particular business and the business needs to make transactions of over $10,000, requiring that business to deal with an entity that won’t deal with them puts that business in an impossible position.”
Private oligarchy with long tentacles
Some of the more common cases of debanking include adult stores and vaping shops—presumably due to the banks making a “moral” judgement. Although it’s very rich for the predatory, gouging, money-laundering and child exploitation-facilitating banks to cast a moral judgement on other, perfectly legal businesses.
There are other cases of debanking, however, that in no way are due to the banks’ hypocritical moral judgements and social considerations, but solely due to their power to do so. The extent of their power, and how far the banks are willing to go to debank people both as businesses and individuals, is chilling.
One such case involves a Melbourne-based bullion dealer, who buys and sells precious metals. This legitimate business complies with all laws and regulations, including anti-money laundering (AML) disclosure requirements; in fact, AML disclosures made by this business have assisted the authorities in combating crime. The only possible reason for the banks to disapprove of this business is that it is somewhat of a competitor to the banks, given that it is becoming increasingly common for Australians to vote with their feet against banking corruption and financial recklessness by moving their money from banks into other investments, including bullion.
The bullion dealer was first debanked by Westpac, which was at least courteous enough to ensure the business had a functional account with another bank before shutting down his accounts.
CBA debanked him next, and of all the banks he dealt with was the most malicious and destructive. In 2014 they cancelled his personal credit card without notice when they knew he was on an overseas holiday, forcing him to cancel the holiday and return to Australia. CBA also debanked the bullion dealer’s parents, despite his mother having no involvement in the business. Despite telling the Australian Financial Complaints Authority they would not close his father’s corporate account, CBA closed it anyway with all the money inside the account.
Illustrating that the Big Four banks are an oligopoly, NAB also debanked him, using a top law firm. NAB not only debanked his corporate accounts, but him personally, as well as his father and mother again, and this time also an employee. The bullion dealer, his family and employees are not just debanked by the main banks, but also by their subsidiaries, including Bankwest, UBank, Bank of Melbourne etc.
The banks gave no reason for the debanking, and there was no negotiation. According to the debanked businessman, everything is on their terms and is essentially “too bad go away and don’t come back”. As an experiment after being debanked, he tried to open a personal account at CBA. Once he handed over his ID the consultant came back with the manager who said: “Sorry sir, we can’t open an account for you and I have to ask you to leave.”
In response to the government’s proposed cash ban, which will make it impossible for him to conduct any business at all, this businessman made a submission to the Senate Economics Legislation Committee’s inquiry on the cash ban, and followed it up with a call to Committee Secretary Mark Fitt to explain his personal case. Mr Fitt suggested that if the cash ban passes, he could continue to do business by purchasing bank cheques from the banks. However, when he approached the banks to test that theory, he was informed in writing that as he has been debanked from all banking services, and bank cheques are a banking service, he would not be able to purchase bank cheques.
The banks are a private-sector oligarchy with enormous power over the economy, he reflected. “The oligarchy can ‘ban’ you personally and ‘ban’ your family members from banking with them. Essentially, you have no right to a bank account like most people assume.”
This is the tyrannical power structure that PM Scott Morrison, Treasurer Josh Frydenberg, Assistant Treasurer Michael Sukkar, the Treasury, and KPMG intend to put all Australians at the mercy of with their totalitarian cash ban law. If the banks are prepared to go to such lengths to crush low-level competitors, what if they decided to debank people and political parties who campaign against their corruption?
Call your Senators to demand they vote against this rank corruption and assault on our civil liberties.