Memphis is a city located along the Mississippi River in southwestern Shelby County, Tennessee, United States. The 2018 city population was 650,618, making Memphis the largest city on the Mississippi River, the second most populous city in Tennessee, as well as the 26th largest city in the United States. Greater Memphis is the 42nd largest metropolitan area in the United States, with a population of 1,348,260 in 2017. The city is the anchor of West Tennessee and the greater Mid-South region, which includes portions of neighboring Arkansas and Mississippi. Memphis is the seat of Shelby County, the most populous county in Tennessee. As one of the more historic and culturally significant cities of the southern United States, the city features a wide variety of landscapes and distinct neighborhoods.
U.S. federal authorities said they have arrested a Florida truck driver who "was thinking about shooting up a church" in Memphis this week, making him at least the fourth person this month charged with.. Reuters - Published
US Vice President Mike Pence spoke at a church service Sunday. The pastor at the church claims that same-sex attraction was caused by "the devil". The homophobic sermon was live-streamed by the White..
Some 300 people gathered on Friday evening for a candle-light vigil in the Memphis neighborhood where a young black man was shot dead by federal authorities as residents remained on edge following.. Reuters - Published
Police helicopters and squad cars patrolled the Memphis neighborhood overnight into Friday morning where a young black man was fatally shot by federal agents, with residents appearing to heed calls for.. Reuters - Published
The Memphis community where a young black man was slain this week by federal agents as they tried to arrest him remained tense after a night of violent protests, but community activists and a mayoral.. Reuters - Published
A young black man slain by federal agents as they tried to arrest him in Memphis, touching off violent protests, was wanted in the shooting of a man in Mississippi earlier this month, law enforcement.. Reuters - Published
A young black man shot dead by federal agents as they sought to arrest him in Memphis, triggering overnight clashes between police and protesters, was wanted as a suspect in the shooting of a man in.. Reuters - Published
The young black man killed by U.S. marshals in Memphis, Tennessee, whose death sparked clashes with police overnight, had recently become a father for the second time and was the subject of multiple.. Reuters - Published
U.S. Marshals Service agents fatally shot a young black man in Memphis, Tennessee during an attempted arrest, triggering overnight clashes with protesters that left at least two dozen police officers.. Reuters - Published
At least two dozen police officers were injured in overnight clashes with protesters, some throwing rocks, in Memphis, Tennessee, after U.S. Marshals Service agents fatally shot a black man during an.. Reuters - Published
The Tennessee man killed by U.S. marshals, sparking clashes with police overnight, had a history of arrests on minor drug-related and driving charges and posted a social media video just before his.. Reuters - Published
A crowd of protesters, some of them throwing rocks, squared off against police in riot gear in Memphis, Tennessee, overnight after officers from the U.S. Marshals Service fatally shot a black man.. Reuters - Published
At least 24 police officers were injured in Memphis, Tennessee in violent clashes with protesters, who took to the streets following the shooting death of a man killed by U.S. Marshals during an.. Reuters - Published


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The Consumer Financial Protection Bureau
The Consumer Finance Protection Bureau (CFPB) is responsible for consumer protection in the financial sector. CFPB’s jurisdiction includes credit unions, banks, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors and other financial companies operating in the United States.
NASCUS closely monitors CFPB developments and responds to request for comments on rules impacting the credit union system.
Information from the public on the best way to go about developing a rule on consumer access to financial records is being sought by CFPB in and advance notice of proposed rulemaking (ANPR) issued Thursday. The action follows up on a promise made by the agency in July, which followed a symposium on the subject in February. In a release, the bureau said its ANPR on consumer access to financial records is aimed at fulfilling its obligations under a provision of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank). CFPB said the ANPR seeks comments and information on costs and benefits of consumer data access, competitive incentives, standard-setting, access scope, consumer control and privacy and data security and accuracy. A 90-day comment period is planned.
The government-sponsored enterprise (GSE) patch – giving mortgages guaranteed by Freddie Mac and Fannie Mae “qualified mortgage” (QM) status – will be extended until a final rule is approved amending the general QM loan definition in Regulation Z, the bureau said today. In a release, CFPB said a final rule amending the QM loan definition would contain a “mandatory compliance date.” The GSE patch was scheduled to expire Jan. 10. However, the bureau also said it is not amending the provision in Regulation Z stating that the GSE Patch will expire if Fannie Mae and Freddie Mac exit conservatorship. Today’s action came in the form of a final rule from the agency. CFPB said the rule represents the steps being taken by the bureau to “ensure a smooth and orderly transition away from the GSE patch and to maintain access to responsible, affordable mortgage credit upon its expiration.” For more information, click on the link for the Executive summary of the October 2020 amendments.
A reference tool for HMDA data required to be collected and recorded in 2021 and reported in 2022 was published by the bureau Friday (Oct. 16), which is intended to help the mortgage lending industry understand, implement and comply with HMDA and Regulation C, the bureau said. The tool – a chart featuring key aspects of compliance with law, including filing instructions – is intended to be used as a reference tool for data points required to be collected, recorded, and reported under Regulation C, the bureau said.
Agreements for credit cards, as well as the number of accounts, declined between the card issuers and universities and colleges in 2019, according to a report issued today by the CFPB. The agency said the 2019 numbers continue a general trend of decline for the agreements, which had become a flashpoint among consumer protection advocates.
A set of frequently asked questions (FAQs) on section 8 the Real Estate Settlement Procedures Act (RESPA) prohibitions on kickbacks and unearned fee arrangements, as well as provisions defining fees and arrangements that are not prohibited, was released this week by CFPB as a compliance aid. The bureau said the FAQs give an overview of the provisions of RESPA section 8 and respective sections of Regulation X (the CFPB’s rule implementing RESPA). The agency also said the FAQs address the application of certain provisions to common scenarios described in bureau inquiries involving gifts and promotional activities, and marketing services agreements (MSAs). Additionally, Compliance Bulletin 2015-05, “RESPA Compliance and Marketing Services Agreements,” is rescinded, the bureau said, noting that the bulletin “does not provide the regulatory clarity needed on how to comply with RESPA and Regulation X.”
Companies, including credit unions and others, can earn an early way out of actions taken against them through consent orders by the bureau under a new policy announced Monday. In a release, CFPB said its new policy on early termination of administrative consent order outlines the process for entities subject to a consent order with the agency and the standards that the bureau intends to use when evaluating applications. “In order for a Consent Order to be terminated early, an entity should demonstrate that it meets certain threshold eligibility criteria, has fully complied with the terms of the Consent Order, and has a satisfactory compliance management system in applicable areas,” the agency stated. “These conditions are designed to minimize the risk of new violations of law by the company and to protect consumers.”
Consumers’ have improved their ability to locate key mortgage information, compare terms and costs between initial and final disclosures and compare terms and costs across mortgage offers through TRID real estate transaction disclosure rules, according to a report issued today by CFPB. However, the report found, the TRID rule did result in big implementation costs for companies. “Firms also reported increases to their ongoing costs; however, it is unclear if these increases are due to ongoing trends or if these increases can be attributed to the Rule,” the bureau stated.
(September 16) CFPB Announces Advisory Council Members
Continuing and new members of the CFPB’s Credit Union Advisory Council (CUAC) were announced this week, with five of the eight slots held by state-chartered credit union representatives (including the chairman), and two among those who are also leaders at NASCUS-member SCUs.
The bureau also named continuing and new members to its Consumer Advisory Board (CAB), Community Bank Advisory Council (CBAC), and Academic Research Council (ARC). All four of the bureau’s advisory groups are meeting via teleconference next week to discuss regulatory matters and the impact of the COVID-19 pandemic on consumers and financial markets.
(September 15) CFPB Releases Outline of Proposals Under Consideration to Implement Small Business Lending Data Collection Requirements
CFPB released its Outline of Proposals Under Consideration and Alternatives Considered for Section 1071 of the Dodd-Frank Act governing small business lending data collection and reporting. The Bureau will convene a Small Business Advocacy Review panel in October 2020. (The executive summary of the outline can be accessed here.)
(September 4) Supervisory Highlights, Issue No. 22 (Summer 2020)
In the recent edition of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing and payday lending. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.
(September 1) CFPB’s first tech sprint on October 5-9, 2020: Help improve consumer adverse action notices
The first Tech Sprint will kick off October 5-9, 2020, with teams focused on developing a range of innovative approaches to electronically-delivered adverse action notices. The sprints will be held virtually and generate actionable ideas and help inform future disclosure policy options in a range of markets. The application period closes Friday, September 11, 2020.
(August 31) CFPB Credit Union Advisory Council Meeting September 15
The Credit Union Advisory Council will meet Tuesday, September 15, 2020, from approximately 2:30 p.m. to 4:30 p.m. eastern daylight time. This meeting will be held via conference call and is open to the general public. Members of the public will receive the agenda and dial-in information when they RSVP.
(August 31) CFPB Report Examines Early Impact of Pandemic on Consumer Credit
The CFPB issued a report today examining the early effects of the COVID-19 pandemic on consumer credit. The report found that consumers have not experienced significant increases in delinquency or other negative credit outcomes as reported in credit record data following the onset of the COVID-19 pandemic in the United States.
(August 27) New CFPB Guide for Intermediaries to Assist Non-Filers to Access their Economic Impact Payments
The CFPB released a guide to assist intermediaries in serving individuals to access their Economic Impact Payments (EIPs). The guide, , provides step-by-step instructions for frontline staff on how to perform a number of tasks.
(August 27) CFPB Issues Analysis of HMDA Data Points
The CFPB ssued a new Home Mortgage Disclosure Act (HMDA) analysis of the 2019 HMDA Data. This data article is the second in a series and follows the published in June of this year. The Home Mortgage Disclosure Act (HMDA) is a data collection, reporting, and disclosure statute that was enacted in 1975.
(August 25) CFPB Issues CARD Act Rules RFI
The CFPB issued a request for information (RFI) as part of it’s work in assessing the impact of the rules that implement the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act Rules). The Bureau is required under Section 610 of the Regulatory Flexibility Act to review certain rules within 10 years of their publication and consider the rules’ effect on small businesses.
(August 21) CFPB Issues 2021 HMDA Filing Instructions Guide and Supplemental Guide for Quarterly Filers
The CFPB announced that the Filing Instructions Guide (FIG) for Home Mortgage Disclosure Act (HMDA) data collected in 2021 is now available. The 2021 FIG is a technical resource to help financial institutions file HMDA data collected in 2021 and reported in 2022. The Bureau also released a Supplemental Guide for Quarterly Filers for 2021, which includes 2021 calendar year deadlines.
(August 19) CFPB Extends Comment Period on Request for Information on Ways to Prevent Credit Discrimination and Build a More Inclusive Financial System
The CFPB announced that it will provide an additional 60 days for public comment on its Request for Information on how best to create a regulatory environment that expands access to credit and ensures that all consumers and communities are protected from discrimination in all aspects of a credit transaction.
(August 18) CFPB Proposes New Category of Qualified Mortgages to Encourage Innovation and Access to Affordable Mortgage Credit
The CFPB issued a notice of proposed rulemaking (NPRM) to create a new category of seasoned qualified mortgages (Seasoned QMs) in order to encourage innovation and help ensure access to responsible, affordable in the mortgage credit market. The Bureau also released a summary of the proposed rule which can be accessed here.
(August 11) CFPB Releases Small Dollar Lending FAQs
Today, the Bureau issued several Frequently Asked Questions (FAQs) about the Small Dollar Lending Rule. You can access the FAQs here. The Bureau previously issued several resources, including a Small Entity Compliance Guide, to help institutions comply with the Small Dollar Lending Rule. You can access those resources here.
(July 31) Expanding access to credit to underserved communities
The CFPB reminded both for-profit and not-for-profit creditors of the availability under the Equal Credit Opportunity Act (ECOA) and Regulation B of the Special Purpose Credit Program (SPCP) to meet the credit needs of underserved communities. ECOA and Regulation B prohibit discrimination on a prohibited basis in any aspect of a credit transaction. The SPCP of the ECOA provisions and Regulation B, however, provide targeted means by which creditors can meet special social needs and benefit economically disadvantaged groups.
(July 30) CFPB issues HMDA FAQs – Multiple Data Points
The CFPB released two HMDA FAQs in response to questions it has received. The FAQs cover reporting requirements for certain data points, and specifically discuss reporting when the information is not the dispositive factor in a credit decision.
(July 28) CFPB Requests Information On Ways To Prevent Credit Discrimination And Build A More Inclusive Financial System
The CFPB issued a request for information (RFI) to seek public input on how best to create a regulatory environment that expands access to credit and ensures that all consumers and communities are protected from discrimination in all aspects of a credit transaction.
(July 24) CFPB Announces Plan to Issue ANPR on Consumer-Authorized Access to Financial Data
CFPB announced that it plans to issue an advance notice of proposed rulemaking (ANPR) later this year on consumer-authorized access to financial records. The announcement follows a symposium the Bureau held earlier this year on the topic, which included experts from consumer groups, fintechs, trade associations, financial institutions and data aggregators. The Bureau is releasing a summary report of the symposium proceedings.
(July 22) CFPB Symposium: Cost-Benefit Analysis in Consumer Financial Protection Regulation
The CFPB will hold a virtual symposium on the use of cost benefit analysis in consumer financial protection regulation. The symposium is intended to seek perspectives on the use of cost-benefit analysis in consumer financial protection regulations. The event will feature remarks by Bureau Director Kathleen L. Kraninger and will consist of two panels of experts.
(July 10) CFPB Releases Report on Debt Settlements and Credit Counseling
The CFPB released a report examining recent trends in debt settlement and credit counseling. The report documents changes over time in how consumers have used these debt relief options for unsecured debt and shows debt settlements rose dramatically during the Great Recession to a peak of $11.4 billion.
(July 7) CFPB Director Kraninger Announces Deputy Director; Additions to Executive Team
CFPB Director Kraninger announced several additions to the Bureau’s executive team, including Deputy Director (Thomas Pahl), Deputy Associate Director for the Consumer Education and External Affairs Division (Delicia Reynolds Hand), Assistant Director for the Office of Consumer Education (Desmond Brown), and Assistant Director for the Office of Stakeholder Management (Matt Cameron).
(July 7) CFPB Issues Final Rule on Small Dollar Lending.
The CFPB issued a final rule concerning small dollar lending in order to maintain consumer access to credit and competition in the marketplace. The final rule rescinds the mandatory underwriting provisions of the 2017 rule after re-evaluating the legal and evidentiary bases for these provisions and finding them to be insufficient. The final rule does not rescind or alter the payments provisions of the 2017 rule.
(July 7) CFPB Ratifies Prior Regulatory Actions
The CFPB ratified most regulatory actions the Bureau took from January 4, 2012 through June 30, 2020. The ratification of previous regulatory actions provides the financial marketplace with certainty that the rules are valid in light of the Supreme Court decision in Seila Law.
(July 6) CFPB Announces Consumer Financial Protection Week, Virtual Events Nationwide
CFPB announced the launch of Consumer Financial Protection Week, which will take place from July 14, 2020, through July 17, 2020. Consumer Financial Protection Week will focus on how the Bureau is protecting consumers in the financial marketplace, the issues consumers are confronting, as well as informing consumers of how they can communicate to the Bureau any issues that they may have with a financial services provider.
(July 2) CFPB Issues Proposed Rule on Escrow Exemptions for Certain High-Priced Mortgage Loans
CFPB issued a notice of proposed rulemaking (NPRM) that would amend Regulation Z to provide a new exemption available to certain insured depository institutions and insured credit unions from the requirement to establish escrow accounts for certain higher-priced mortgage loans (HPMLs).
(June 30) CFPB Releases Spring 2020 Rulemaking Agenda
CFPB published its Spring 2020 Agenda as part of the , which is coordinated by the Office of Management and Budget under Executive Order 12866. The agenda lists the regulatory matters that we expect to focus on between May 1, 2020 and April 30, 2021.
(June 29) CFPB Announces Tech Sprints To Empower Consumers, Reduce Regulatory Burden
The CFPB announced its first-ever Tech Sprints to reduce regulatory burden and improve consumer understanding of financial services. The Bureau’s Tech Sprints program will bring together regulators, technologists, software providers, consumer groups, and financial institutions to develop technological solutions to shared compliance challenges. The first Tech Sprint will kick off in October with another in March 2021.
(June 25) FFIEC Announces Availability of 2019 Data on Mortgage Lending
The Federal Financial Institutions Examination Council (FFIEC) today announced the availability of data on 2019 mortgage lending transactions at 5,508 U.S. financial institutions covered by the Home Mortgage Disclosure Act (HMDA).
(June 23) CFPB Provides Guidance During COVID-19 Pandemic – Mortgage Servicing
The Bureau issued an interim final rule (IFR) to make it clear that mortgage servicers will not violate Regulation X by offering certain loss mitigation options during the COVID-19 pandemic based on their evaluation of an incomplete loss mitigation application.
(June 23) CFPB Issues Interim Final Rule On Loss Mitigation Options For Homeowners Recovering From Pandemic-Related Financial Hardships
The CFPB issued an interim final rule (IFR) that will make it easier for consumers to transition out of financial hardship caused by the COVID-19 pandemic and easier for mortgage servicers to assist those consumers.
(June 23) CFPB Issues Interpretive Rule on Method for Determining Underserved Areas
The CFPB issued an interpretive rule to provide guidance to creditors and other persons involved in the mortgage origination process about the way in which the Bureau determines which counties qualify as “underserved” for a given calendar year.
(June 22) CFPB Takes Steps to Address GSE Patch
The CFPB issued two Notices of Proposed Rulemaking (NPRMs) to address the impending expiration of the Government-Sponsored Enterprises Patch (GSE Patch). The GSE Patch is scheduled to expire in January 2021 or when the GSEs (Fannie Mae and Freddie Mac) exit conservatorship, whichever comes first.
(June 18) CFPB Launches Pilot Advisory Opinion Program to Provide Regulated Entities Clear Guidance and Improve Compliance
The CFPB launched a pilot advisory opinion (AO) program to publicly address regulatory uncertainty in the Bureau’s existing regulations. The pilot AO program will allow entities seeking to comply with regulatory requirements to submit a request where uncertainty exists. The Bureau will then select topics based on the program’s priorities and make the responses available to the public.
(June 17) CFPB issues guidance on COVID-19 consumer reporting
Today, the CFPB issued guidance on consumer reporting during the COVID-19 pandemic. The frequently asked questions (FAQs) address companies’ responsibilities under the CARES Act and the FCRA when they furnish information to consumer reporting agencies about consumers impacted by the crisis.
(June 9) CFPB Issues TRID Factsheet and FAQs
The CFPB has published guidance related to the TILA-RESPA Integrated Disclosure (TRID) Rule, including:
(1) A Factsheet on how to disclose title insurance on the Loan Estimate and Closing Disclosure, including when a negative owner’s title insurance cost disclosure is appropriate.
(2) Updated TRID FAQs to include guidance on the total of payments disclosure, using the optional signature line on the Loan Estimate and Closing Disclosure, and the requirement to include seller information on the consumer’s disclosures if providing separate Closing Disclosures.
(June 4) CFPB Takes Steps to Facilitate LIBOR Transition
CFPB took steps to facilitate the transition away from LIBOR for consumers and regulated entities. The Bureau released an updated Consumer Handbook on Adjustable Rate Mortgages (CHARM) to help consumers better understand adjustable rate mortgage loan products. The Bureau also released a Notice of Proposed Rulemaking (NPRM) concerning the anticipated discontinuation of LIBOR, including proposing examples of replacement indices that meet Regulation Z standards. Additionally, the Bureau is issuing guidance (FAQs) on other important LIBOR transition topics that do not require amendments to Regulation Z.
(June 2) CFPB Releases Remittance FAQs
The CFPB has issued FAQs explaining whether failure to deliver remittance transfer funds to the designated recipient by the disclosed date of availability due to certain government-mandated closures in response to the COVID-19 pandemic is an error under the Remittance Rule.
(May 27) CFPB updates the HMDA Small Entity Compliance Guide
CFPB has published updates to the HMDA Small Entity Compliance Guide to reflect changes made to Regulation C by the 2020 HMDA Thresholds Rule. You can access the updated HMDA Small Entity Compliance Guide here.
(May 21) CFPB Issues Consumer Complaint Bulletin
CFPB issued a report analyzing the complaints received during the COVID-19 pandemic. The bulletin shows that mortgage and credit card complaints top the list of complaints the Bureau has received that mention coronavirus or related terms.
(May 13) CFPB Outlines Responsibilities of Financial Firms During Pandemic
CFPB released a statement and FAQs outlining the responsibility of certain financial firms during the pandemic. In the statement, the Bureau outlines the billing error responsibilities of credit card issuers and other open-end non-home secured creditors during the COVID-19 pandemic.
(May 11) CFPB Issues Final Remittance Transfer Rule
The CFPB issued a final rule amending the Remittance Transfer Rule. The Remittance Rule imposes requirements on entities that send international money transfers, or remittance transfers, on behalf of consumers. Among its requirements, the Rule mandates that remittance transfer providers generally must disclose the exact exchange rate, the amount of certain fees, and the amount expected to be delivered to the recipient. Both the final rule and executive summary are available.
(May 8) Enforcement work continues with a commitment to protecting consumers
The CFPB issued a notice noting that the COVID-19 pandemic has not affected the Bureau’s ability or resolve to use its enforcement tool to police the consumer financial marketplace. The message states that the CFPB enforcement team is working remotely and committed to enforcing consumer financial protection laws in all markets under the organization’s jurisdiction.
(May 6) CFPB Issues Clarifications to Support Small Business Applying for PPP Loans
CFPB issued clarifying FAQs to support small businesses who have applied for a loan from their financial institution under the Small Business Administration’s (SBA) Paycheck Protection Program (PPP). Creditors are generally required under the Equal Credit Opportunity Act and Regulation B to notify applicants within 30 days of receiving a “completed application” of the creditor’s approval, counteroffer, denial or other adverse notice regarding the application.
(April 30) CFPB Releases ECOA Factsheets
CFPB released two factsheets on the ECOA valuations rule in response to frequently asked questions it has received. The factsheets provide information on transaction coverage under the Rule, and delivery method and timing requirements for appraisals and other written valuations.
(April 27) CFPB Adds Enhancements to Consumer Complaint Database
CFPB announced the addition of a geospatial view to the Consumer Complaint Database. With this addition, consumers will now be able to view complaints by state with a U.S. map visualization. Consumers have been able to view complaints by using date, company name, key words, and other filters.
(April 24) CFPB Outlines Mortgage Loan Transfer Process to Prevent Consumer Harm
The CFPB outlined practices to provide mortgage servicers clarity, facilitate compliance, and prevent harm to consumers during the transfer of residential mortgages. The Bureau provides examples of practices that servicers may consider as contributing to compliance.
(April 21) CFPB Releases Video for Non-Filers on Economic Impact Payments
CFPB has released a video outlining the steps that non-filers need to take in order to receive their economic impact payments authorized by the CARES Act. Additionally, the Bureau published a blog with FAQs for consumers with details on the economic impact payments.
(April 20) CFPB Advisory Committees to Meet on May 1, 2020
The CFPB announced today that the Consumer Advisory Board (CAB), Community Bank Advisory Council (CBAC), the Credit Union Advisory Council (CUAC), and the Academic Research Council (ARC) will meet jointly on May 1st from 2:00 to 4:15 pm ET via conference call. The call will be open to the public.
(April 16) CFPB Issues Final Rule Raising Loan-Volume Coverage Thresholds
The Consumer Financial Protection Bureau (Bureau) issued a final rule raising the loan-volume coverage thresholds for financial institutions reporting data under the Home Mortgage Reporting Act (HMDA). The final rule, amending Regulation C, increases the permanent threshold for collecting and reporting data about closed-end mortgage loans from 25 to 100 loans effective July 1, 2020.
(April 14) Federal Banking Agencies to Defer Appraisals and Evaluations for Real Estate Transactions Affected by COVID-19
The federal banking agencies today issued an interim final rule to temporarily defer real estate-related appraisals and evaluations under the agencies’ interagency appraisal regulations. The CFPB, Fed, FDIC, and the OCC are providing this temporary relief to allow regulated institutions to extend financing to creditworthy households and businesses quickly in the wake of the national emergency declared in connection with COVID-19.
(April 13) CFPB Paves Way for Consumers to Receive Economic Impact Payments Quicker
The CFPB took steps to make it easier for consumers to receive pandemic-relief payments, including the economic impact payments authorized in the CARES Act, through prepaid accounts. Federal, State, and local governments are considering a variety of approaches to providing consumers relief from the economic impacts of the COVID-19 pandemic.
(April 10) CFPB Guide to COVID-19 Stimulus Relief
CFPB summarized the most common questions about the economic impact payments, including how much individuals are eligible to receive and when individuals can expect to receive it.
(April 10) CFPB Guidance on Remittance Transfers During COVID-19 Pandemic
The CFPB issued a policy statement that will enable insured institutions to continue to focus on the immediate needs of their customers by taking a flexible approach to the Bureau’s supervision and enforcement of remittance transfers, in order to minimize the impact of the pandemic on the remittances market,
(April 7, 2020) Agencies Issue Revised Interagency Statement on Loan Modifications by Financial Institutions Working with Customers Affected by the Coronavirus
The federal financial institution regulatory agencies (the agencies), in consultation with state financial regulators, issued a revised interagency statement encouraging financial institutions to work constructively with borrowers affected by COVID-19 and providing additional information regarding loan modifications. The revised statement also provides the agencies’ views on consumer protection considerations.
(April 3, 2020) CFPB Releases Video on How Mortgage Forbearance Works Under CARES Act
CFPB has released a video on how struggling homeowners can obtain mortgage forbearance if their finances are impacted due to the COVID-19 pandemic. The Bureau has also issued additional information for consumers on mortgage and student loan payment relief and how to avoid scams.
(April 1, 2020) CFPB Issues Credit Reporting Guidance During COVID-19 Pandemic
The CFPB released a policy statement outlining the responsibility of credit reporting companies and furnishers during the COVID-19 pandemic. In response to the pandemic, many lenders are being flexible when it comes to consumers’ making payments. The Bureau’s statement underscores that consumers benefit if lenders report accurate information about these arrangements to credit bureaus so that the credit reports of consumers are accurate.
(March 27, 2020) Consumer Financial Protection Bureau Issues Request for Information to Assist Taskforce on Federal Consumer Financial Protection Law
The Bureau issued today a request for information (RFI) to assist the Taskforce on Federal Consumer Financial Law (Taskforce) with recommendations on harmonizing, modernizing, and updating the federal consumer financial laws. The Taskforce seeks input from the public at this time to help identify areas of consumer protection on which it should focus its research and analysis during the balance of its one-year appointment.
(March 26, 2020) Federal Agencies Encourage Banks, Savings Associations, and Credit Unions to Offer Responsible Small-Dollar Loans to Consumers and Small Businesses Affected by COVID-19
Five federal financial regulatory agencies today issued a joint statement encouraging banks, savings associations, and credit unions to offer responsible small-dollar loans to consumers and small businesses in response to COVID-19.
(March 26, 2020) CFPB Provides Flexibility During COVID-19 Pandemic
CFPB announced that it is providing needed flexibility to enable financial companies to work with customers in need as they respond to the COVID-19 pandemic. The Bureau is postponing some data collections from industry on Bureau-related rules to allow companies to focus on responding to consumers in need and making changes to its supervisory activities to account for operational challenges at regulated entities.
(March 20, 2020) CFPB Releases Report on 2019 Administration of the Fair Debt Collection Practices Act; Announces Extension of Comment Period
CFPB released the annual report to Congress on the administration of the Fair Debt Collection Practices Act (FDCPA). The report highlights the continued efforts by the Bureau and the Federal Trade Commission (FTC) to stop unlawful debt collection practices, including vigorous law enforcement, consumer education and public outreach, and policy initiatives. Additionally, the Bureau announced today that it is extending the comment period on its Supplemental Notice of Proposed Rulemaking (SNPRM) implementing the Fair Debt Collection Practices Act (FDCPA). The SNPRM, which proposed to require debt collectors to make certain disclosures when collecting time-barred debts, provided a 60-day public comment period that was set to close on May 4, 2020. Given the challenges posed by the COVID-19 pandemic, the comment period will be extended to June 5, 2020.
(March 6, 2020) Responsible Business Conduct: Self-Assessing, Self-Reporting, Remediating, and Cooperating (CFPB Bulletin 2020-01)
In 2013, the Bureau issued a Bulletin that identified several activities that individuals/businesses could engage in that could prevent and minimize harm to consumers, referring to these activities as “responsible conduct.” The Bureau is issuing this updated Bulletin to clarify its approach to responsible conduct and to reiterate the importance of such conduct.
(March 6, 2020) CFPB Releases New New HMDA FAQ and Regulatory Implementation Survey
CFPB published a response to the following frequently asked HMDA question: If a natural person applicant submits a mail, internet, or telephone application under Regulation C but does not provide race, ethnicity, or sex information, what should the financial institution report regarding whether this information was collected on the basis of visual observation or surname? You can read the new FAQ here.
The Bureau is also seeking feedback on its compliance and guidance website. The survey is available now.
(March 6, 2020) CFPB Takes Key Steps to Prevent Consumer Harm; Proposes Whistleblower Award Program, Other Measures
The Consumer Financial Protection Bureau (Bureau) today announced three steps to advance its strategy on one of its key priorities: preventing consumer harm.
The Bureau is:
- Implementing an advisory opinion program to provide clear guidance to assist companies in better understanding their legal and regulatory obligations through advisory opinions;
- Amending and reissuing its responsible business conduct bulletin, which articulates that the Bureau intends to provide credit to entities for their responsible conduct based on its extent and significance; and
- Engaging with Congress to advance proposed legislation that would authorize the Bureau to award whistleblowers who report violations of Federal consumer financial law.
(Feb. 21, 2020) CFPB Issues Supplemental Notice of Proposed Rulemaking on Time-Barred Debt Disclosures
The Consumer Financial Protection Bureau (CFPB) issued a Supplemental Notice of Proposed Rulemaking (Supplemental NPRM) regarding the collection of time-barred debt. The Bureau proposes to prohibit collectors from using non-litigation means (such as calls) to collect on time-barred debt unless collectors disclose to consumers during the initial contact and on any required validation notice that the debt is time-barred. Consumer research conducted by the Bureau found that a time-barred debt disclosure helps consumers understand that they cannot be sued if they do not pay. That can help consumers make better informed decisions whether to pay the debt or not.
(Feb. 20, 2020) CFPB to Host Symposium on Consumer Access to Financial Records
The Consumer Financial Protection Bureau (Bureau) announced today that it will hold a symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act on February 26, 2020 at 9:30 a.m. The event will be webcast on the Bureau’s website.
(Feb. 13, 2020) FFIEC Issues 2020 Edition of the Guide to HMDA Reporting
The 2020 edition of the “Guide to HMDA Reporting: Getting It Right!” is now available. The guide was developed by member agencies of the Federal Financial Institutions Examination Council (FFIEC), including NCUA, and reflects updates to incorporate content from the HMDA Rule issued by the CFPB in October 2019. The appendices provide additional implementation materials you may find useful.
(Jan. 30, 2020) CFPB Announces Additions to Executive Team
The Consumer Financial Protection Bureau (Bureau) announced additions to its executive team. The leadership positions are:
- Susan M. Bernard will serve as Assistant Director for Regulations in the Research, Markets and Regulation Division.
- Donna Roy will serve as Chief Information Officer in the Bureau’s Operations Division.
- Rachelle Vaughan will serve as Chief Procurement Officer in the Bureau’s Operations Division.
- Thomas G. Ward will serve as Assistant Director of Enforcement in the Supervision, Enforcement & Fair Lending Division.
- David Wernecke will serve as Chief Experience Officer.
(Jan. 27, 2020) CFPB Announces Policy Statement on Compliance Aids
The CFPB announced a new designation for certain Bureau guidance, known as “Compliance Aids,” and explained the legal status and role of guidance with that designation. Compliance Aids are designed to accurately summarize and illustrate the underlying rules and statutes. Accordingly, when exercising its enforcement and supervisory discretion, the Bureau does not intend to sanction, or ask a court to sanction, entities that reasonably rely on Compliance Aids.
(Jan. 24, 2020) CFPB Announces Policy Regarding Abusive Acts or Practices
The Dodd-Frank Act prohibits “abusive” acts or practices in connection with the provision of consumer financial products or services. The Bureau announced a policy providing clarification on how it intends to apply abusiveness in order to promote compliance and certainty. (READ)
(Jan. 24, 2020) CFPB Updates HMDA Small Entity Compliance Guide
The Consumer Financial Protection Bureau published an updated version of the HMDA Small Entity Compliance Guide (Guide). Changes to the Guide include updates to incorporate content from the HMDA Final Rule issued in October 2019. (READ)
(Jan. 13, 2020) CFPB Accepting Applications for Advisory Committees
To ensure that the CFPB hears from a variety of external experts with diverse viewpoints, we established the Consumer Advisory Board, the Community Bank Advisory Council, the Credit Union Advisory Council, and the Academic Research Council. These advisory committees provide the Bureau with information about emerging trends and practices in the consumer financial marketplace. They also allow us to hear directly from small financial institutions. (READ)
(Jan. 9, 2020) CFPB Announces Membership of Taskforce on Consumer Financial Law
The CFPB announced four members who will serve on the Taskforce on Federal Consumer Financial Law. The Taskforce will examine the existing legal and regulatory environment facing consumers and financial services providers and report to Director Kraninger its recommendations for ways to improve and strengthen consumer financial laws and regulations. The Taskforce will produce new research and legal analysis of consumer financial laws in the United States, focusing specifically on harmonizing, modernizing, and updating the federal consumer financial laws—and their implementing regulations—and identifying gaps in knowledge that should be addressed through research, ways to improve consumer understanding of markets and products, and potential conflicts or inconsistencies in existing regulations and guidance. (READ)

domain: law


|Appears in Collections:||Computing Science and Mathematics Journal Articles|
|Peer Review Status:||Refereed|
|Title:||Sparse multidimensional exponential analysis with an application to radar imaging|
|Citation:||Cuyt A, Hou Y, Knaepkens F & Lee W (2020) Sparse multidimensional exponential analysis with an application to radar imaging. SIAM Journal on Scientific Computing, 42 (3), p. B675–B695. https://doi.org/10.1137/19M1278004|
|Abstract:||We present a d-dimensional exponential analysis algorithm that offers a range of advantages compared to other methods. The technique does not suffer the curse of dimensionality and only needs O((d + 1)n) samples for the analysis of an n-sparse expression. It does not require a prior estimate of the sparsity n of the d-variate exponential sum. The method can work with sub-Nyquist sampled data and offers a validation step, which is very useful in low SNR conditions. A favourable computation cost results from the fact that d independent smaller systems are solved instead of one large system incorporating all measurements simultaneously. So the method also lends itself easily to a parallel execution. Our motivation to develop the technique comes from 2D and 3D radar imaging and is therefore illustrated on such examples.|
|Rights:||Publisher policy allows this work to be made available in this repository. Published in SIAM Journal on Scientific Computing by SIAM. The original publication is available at: https://doi.org/10.1137/19M1278004|
|SJSC.pdf||Fulltext - Accepted Version||1.6 MB||Adobe PDF||View/Open|
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Did you hear the buzz? The Food Buzz, that is.
The Davidson County Local Food Network and the Davidson County Community College Small Business Center partnered Thursday night to host Food Buzz at the Mary E. Rittling Center on the DCCC campus.
Food Buzz is a series of fun, diverse and casual events to celebrate local food from farms and creative culinary guests.
While the partaking of delicacies helped create the “buzz,” a bonus came in the form of Dennis Quaintance of the Proximity and O’Henry Hotels in Greensboro. Known as a pioneer in the industry, Quaintance is often praised for his environmentally conscious standards in hotel construction, his emphasis on featuring local food in his restaurants and, most recently, facilitating social equity through the ownership structure of Proximity Hotel. It’s now 100 percent employee owned.
Although he receives a lot of acclaim for his efforts, Quaintance is quick to point out that he is not an environmentalist. In a change from the norm, after a brief overview of why he chose the sustainable route for the Proximity, Quaintance fielded questions from the audience. A couple of the questions focused on automation and diversity.
As a huge proponent of sustainability, Quaintance issued a challenge to businesses and corporations who are promoting their own efforts.
“There’s a lot more spending on promoting (sustainability) than actually doing it,” he said. “We need to make sure we’re doing more than what we’re bragging about.”
As attendees listened to the knowledge shared by Quaintance, they were able to enjoy freshly prepared food from local farmers and vendors. Participating farms included High Rock Nursery, Persimmon Branch, J & S Farm, Crossings Farm, Buck Creek Farm, Sandy Creek Farm, Gentle Harmony Farm, Guilford College Farm and Kanoy Farm. Carolina Ground provided the flour that was used.
Creating the base for the meal was handmade ramen noodles courtesy of Chef Daniel Hunyh, of Shoto’s in Lexington. Served with a choice of miso mushroom or chicken broth, the noodles were topped off with a variety of choices including eggs, fresh herbs and vegetables.
Knowing that no meal is complete without dessert, the hosts enlisted the services of hometown bakers to satisfy the crowd’s sweet tooth.
The Grow and Go Girls of Lexington provided a sampling of their Apple Walnut Cake which was topped off with Bull City Ciderworks’ Rhize Up! glaze. Attendees also got to try Pastry Chef Becca Franklin’s strawberry shortcake.
To wash it all down, Gentle Harmony, a USDA organic herb farm in Davidson County, provided organic teas. Bull City Ciderworks also had samples available. Rounding out the beverage choices were alcoholic and non-alcoholic beverages crafted by Jimmy the Bartender.
Many attendees shared how much they enjoyed the event and appreciated the information they received.
“This was really interesting,” said Dana Holliday. “I totally support local. Everything was so fresh.”
Jonathan Seelig, founder and executive director of Hometown Heroes, was excited to be at Food Buzz to promote an idea that started when he was in college.
“It’s a food education program,” he said. “We want kids to understand how food is grown and how it benefits their bodies.”
Grace Kanoy, co-facilitator along with her husband Cary of the Davidson County Local Food Network steering committee, wrapped up the evening feeling encouraged as they proceed with creating awareness of local food and access to it.
“We wanted to showcase local talent and foods,” Kanoy said. “Going forward, we want to focus on data assessment, food security, address food issues and bring up the idea of this sustainable economy.
To learn more about the Davidson County Local Food Network, which was recently awarded a micro grant from Community Food Strategies, visit its website at www.davidsoncountyfood.com.
Kassaundra Shanette Lockhart is a freelance writer.


text:
Leaders in Diagnostic Care
In addition to conventional X-rays, the Imaging Department is equipped to perform a number of special procedures, as well as several interventional procedures.
The Aultman Alliance Community Hospital Imaging Center offers a complete and comprehensive medical imaging department near you. In addition to conventional X-rays, the Imaging Center is equipped to perform a wide variety of special procedures. These tests range from mammography (low-dose breast X-ray) and CT scans (Computed Tomography) to studies involving nuclear medicine, ultrasound, MRI (Magnetic Resonance Imaging) and bone density testing. Many interventional procedures are also performed in the Imaging Department on an outpatient basis, sparing patients the expense of surgery and longer hospital stays.
Our Imaging Center is accredited by the Ohio Department of Health, the Food and Drug Administration and the American College of Radiology.
Patient's exam images are digitally stored and always available for instant retrieval on our PACS (Picture Archiving and Communication System). This system is convenient for patients who need to see more than one doctor and coordinate care. Our team of diagnostic radiologists and interventional radiologists work together to accurately provide treatment to patients that need it.

domain: medical


text:
Around the time we posted last night, news broke that Dalvin Tomlinson agreed to terms with the Minnesota Vikings, after four seasons with the New York Giants. The deal is a 2-year deal valued at $22 million, with at $15 million signing bonus. Tomlinson is expected to shore up a noted weak spot in Minnesota’s 2020 defense, stopping the run.
DeVonta Smith has switch agencies for contract representation. He’s going with Klutch Sports and will be represented by Kelton Crenshaw. ISE Sports had previously been announced as Smith’s agency.
Derrick Henry has presented his offensive lineman with diamond-encrusted gold medallions to commemorate Henry’s 2,000 yard rushing season.
Justin Thomas was interviewed on CNBC’s The Exchange today. Here’s an excerpt (full video at link).
The New Zealand Breakers officially announced the signing of Levi Randolph today.
Robert Horry announced today that he’ll be finishing his degree and participating in May commencement ceremonies. Congratulations to Bob!
George Teague’s guest on the Teague’s Take Podcast this week is his former teammate Derrick Oden.
The Bama Standard’s guests tonight were Tyrone King, Jr., Chris Rogers, and Ali Sharrief.
Haylie McCleney is working as part of the Dick’s Sporting Goods Foundation’s efforts to distribute new gear to baseball and softball teams at select locations around the country. McCleney is doing a virtual call with the teams as they receive the new gear.
Alabama Adapted Athletics alumna Sara Revuelta recently completed her first basketball camp for girls and young women wanting to learn wheelchair basketball.
SOFTBALL Team USA 4, University of Florida 0. Haylie McCleney (CF) – 0-3, 1 BB, 1 run. BASKETBALL Miami 113, Cleveland 98. Collin Sexton – 33 minutes, 21 points (5-9 2pg, 2-8 3pg, 5-6 FT), 1 rebound, 3 assists, 1 steal, 1 turnover, 5 fouls. Portland 125, New Orleans 124. Kira Lewis - 9 minutes, 0 points (0-0 FG), 2 assists, 1 steal, 0 turnovers, 1 foul. Ramat Hasharon 94, Maccabi Ironi Ramat Gan 71. Ricky Tarrant (MIRG) - 10 minutes, 1 point (0-1 FG, 1-2 FT), 1 rebound, 1 assist, 1 steal, 1 turnover, 2 fouls.

domain: news


Travellers to conduct RSNO in Glasgow Airport3:16, 29th August 2017
Glasgow Airport is offering ten travellers the chance to conduct the Royal Scottish National Orchestra (RSNO).
Those passing through the airport on the morning of 31 August should express their interest in conducting the 50-strong ensemble through social media.
Ten individuals will be chosen to take up the baton, with RSNO assistant conductor Holly Mathieson on hand to offer guidance.
Glasgow Airport will be hosting a poll on its Facebook page to pick the piece of music that the lucky passengers will get to conduct. Members of the public can vote for the ‘Overture’ from Rossini’s William Tell; ‘Montagues and Capulets’ from Prokofiev’s Romeo and Juliet; or Scottish ceilidh favourite Eightsome Reels.
Participants will also receive a goodie bag courtesy of Glasgow Airport and the RSNO, and the apprentice conductor deemed the most proficient will win vouchers to spend in the airport’s retail and catering outlets.
Passengers and visitors to Glasgow Airport who wish to register their interest in conducting the orchestra on Thursday should do so via the RSNO’s Facebook, Twitter, Instagram accounts, or by informing a member of Glasgow Airport staff before 9.30am on the day. There are a limited number of opportunities, so places will be given on a first-come-first-served basis.


text:
The Tennessee Valley Authority is pumping out a record amount of electricity from it's hydroelectric dams along the Tennessee River and its tributaries. The free power source along with the wettest year in nearly two decades is saving TVA 10 % on its July fuel bills.
Coal mines in Kentucky and West Virginia will send millions of tons of coal to India, under the terms of a 25-year contract that was signed Wednesday. As Kentucky Public Radio’s Erica Peterson reports, the deal is being hailed as a sign of hope in the coal export market.
Originally published on Wed December 19, 2012 12:07 pm
Kentucky is number one on a list of the states with the most toxic air pollution from power plants.
The Natural Resources Defense Council analyzed the data self-reported by industries in the Toxic Release Inventory, which is managed by the federal government. The most recent data is from 2010, and that year, Kentucky’s power plants emitted more than 40 million pounds of toxic air pollution. This gives the state the dubious honor of being ranked number one in the nation.
As the Environmental Protection Agency begins its public forums on coal mining permits in Kentucky, U.S. Senator Mitch McConnell is rallying for coal to be a bigger part of the nation's energy portfolio.
Murray State's public radio service 91.3 WKMS presents BURN: an Energy Journal, airing Thursdays, April 19 and 26, at noon. BURN: An Energy Journal is the flagship program of The Public Radio Energy Project.Host Alex Chadwick, a veteran reporter and writer, maintains that energy is the fundamental issue of our time; it powers our homes and our economy; it creates troubled alliances; it empowers and impoverishes; and enables almost all that we do as a society.
The Kentucky state capitol will turn off unnecessary lights tomorrow night as part of International Earth Hour. This is the fourth consecutive year the capitol has participated in the event sponsored by the World Wildlife Federation. Officials say this is part a comprehensive plan to reduce energy consumption in state buildings by 15% in the next three years and 25% by 2025.
US Senator Rand Paul says the federal energy department should stop its loan guarantee program for companies developing alternative energy products. The Kentucky Republican told Energy Secretary Steven Chu Tuesday some of the loans have gone to wealthy friends of President Obama and that raises questions about the whole program.
State lawmakers are considering a bill that would designate some coal severance tax money to scholarships for coalfields residents; the measure has already passed the House. But a report by a non-profit group warns that Kentucky needs to think about the long-term future of the state’s coal severance fund. Coal producers pay a tax of four and a half percent value of coal that’s sold into the state’s coal severance fund. Half of that money goes to Kentucky’s general fund, and the other half goes to various programs in coal-producing counties.


text:
Dear President Trump: It’s Time to Start Meeting with Real Black Republicans
Raynard Jackson | 2/24/2017, 6 a.m. | Updated on 2/23/2017, 2:36 p.m.
I don’t know why I have become the repository for the frustrations among Black Republicans across the country, but I have. Hardly a day goes by when I don’t get calls from Black Republicans
who feel totally and thoroughly ignored not only by you and your fledgling administration, but also by the national party, as well.
I am a nationally syndicated newspaper columnist published in over 200 newspapers every week. Last year, I wrote several columns supporting you, when it wasn’t cool to do so. Last December, I had to deconstruct the liberal attacks on Senator Jeff Sessions and your aide Steve Bannon.
I tell you this simply as a way of saying that because of the 25-plus years that I have served this party, I think I have earned the right to say what I am about to say to you in this column.
Let me be clear, Mr. President, I want absolutely nothing from you or your administration other than success.
Since the election, you have met with far more black Democrats than you have black Republicans— it’s not even close. In your defense, you have never been active in the Republican Party, thus you have no basis for knowing many black Republicans. You know many more black Democrats, simply because you hung out in liberal cities like New York and Los Angeles.
Even your top black staffer is a Democrat with absolutely no institutional knowledge of the Republican Party’s relationship with the black community— past, present or future. So, their
natural inclination is to reach out to all of their Democratic friends for invitations to meet with you and to participate with you in last week’s Black History Month’s event.
Your direct interactions with the black community, for the most part, have been unmitigated disasters, especially, your meeting last year at the black church in Detroit and last week’s event at the White House. There are several major black churches in Detroit, led by black Republican pastors, that you could have attended, but your staff chose a church led by a left-leaning minister. Last week, you held a listening session at the White House in honor of Black History Month and you invited more black Democrats than black Republicans.
Mr. President, do you realize that you had Blacks serving on your own transition team, who were not invited to attend your event last week? How in the hell is that even possible?
Speaker Paul Ryan has a black chief of staff in his speaker’s office; this is the first time in the history of the country this has happened, and he was not there. Your remarks, at a minimum, should have acknowledged this historic appointment by Ryan, after all, isn’t that the whole purpose behind Black History Month?
Mr. President, you have at least four blacks on the executive committee of the RNC who have little to no engagement with you or your staff. This is totally bewildering to me. They are in effect part of the board of directors of the national party and no one around you seems to value or seek their input. Don’t you think they should have been invited to the White House last week?


text:
The European-Canadian Centre for Innovation and Research (ECCIR)– formerly known as the German-Canadian Centre for Innovation and Research (GCCIR)– is a non-profit organization that facilitates the development of European-Canadian research and business relations. With support from Alberta Innovates and the Government of Alberta, we offer a range of services to corporate stakeholders, notably to Canadian SMEs, in support of international relationship-building and networking needs. These services include:
- Assisting with international strategy development
- Advising and grant writing support for key funding sources
- Offering tailored matchmaking through brokerage events and matchmaking trips to Europe
- Arranging programs and meetings for visiting delegations
- Organizing internationalization events, webinars, and symposia
ECCIR is the coordinator of the Enterprise Europe Network (EEN) Canada Consortium. With over 470 partner organizations and 3000 local experts in 69 countries, the EEN is the world’s largest support network for SMEs with international ambitions. The EEN Canada is an International Network Partner of the EEN and comprises ECCIR as the Network Coordinator, the European Chambers of Commerce in Toronto and Vancouver as main cooperation partners, and the Next Generation Manufacturing Cluster (NGen), the Ocean Technology Council of Nova Scotia, PRIMA Québec, and In2novation as local cooperation partners. As the Canadian Network Coordinator, ECCIR:
- Offers privileged market insights and connections to European and Canadian SMES
- Promotes and matches Canadian companies with European stakeholders through the EEN Partnerships Database
- Provides targeted matchmaking through brokerage events, trade missions, and workshops
ECCIR is a member of the Edmonton Chamber of Commerce, the Calgary Chamber of Commerce, the Clean Resource Innovation Network, and the IraSME Network. IraSME is a network of European ministries and funding agencies that are owners or managers of national and regional funding programs for cooperative research and development projects. ECCIR regularly participates in both annual IraSME calls for proposals to support joint, innovative R&D projects.
Based in Edmonton, Alberta, our offices are located in MacEwan University’s Roundhouse, a vibrant hub in downtown Edmonton that fosters research, advances innovation, and provides collaborative opportunities for community and economic development.

domain: geography


text:
great prime fact about Walt Whitman was his freedom.
He dared to be himself. Like all "originals,"
he overdid it, perhaps. He carried his insistence too
far for his good, it may be; and he might have attained
even greater perfection as a poet, and reached a higher
degree of effectiveness, had he been less peculiar.
But your reformer always runs that risk. He is an experimenter,
an adventurer, who usually over-emphasizes the truth
as he sees it. He is not one who "sees life steadily,
and sees it whole." He is rather one who sees some
particular phase of life, and devotes himself to elaborating
that one view; so that for all his excellent devotion
to the cause of humanity, he usually suffers himself.
He usually grows narrow and strained.
that Whitman grew narrow and strained; he was far too
great for that, far too genuine and wise. Moreover,
his peculiarities of style were native to him. They
degenerated at times to affectations and mannerisms,
but for the most part they were spontaneous and characteristic,
and therefore entirely unobjectionable to the sensitive
taste. After a very little familiarity with him, his
peculiar involutions of speech are no bar to the splendid
message of the man.
however, his disciples come to us chanting in contorted
cadences which are palpably imitations of the "Leaves
of Grass," the impression is most unpleasant.
Mr. Edward Carpenter, the author of "Towards Democracy,"
is one of the best of English reformers, a man who has
thought profoundly, and who dares to believe in his
own conclusions; more than that, he has said many things
that need to be said without fear. Like Whitman, he
is evidently a man of intense individuality, full of
passion for goodness and truth. It seems to the ordinary
reader deplorable that he should be content with a form
of expression that is not his own. And yet, as I say,
from the artistic side he is only an echo of Whitman;
nothing more. This is the obvious criticism, but it
is the true one.
makes this very frank criticism (surely it will be understood),
not because Whitman has too many followers, but because
he has too few. The trouble, perhaps, lies here: we
fail to remember that every new thought seeks its own
equally new setting. That is the mystery of art. In
Whitman at his best, the thought and the form are perfectly
fused in beautiful expression. Beauty, outward sensible
beauty, is always the result of that perfect fusion
of thought and feeling with the plastic medium into
which they are passed by the artist. If the artist is
lacking in emotion, or in brain power, and yet has a
fine technical control of his medium, his work will
be brilliant but unconvincing and unsatisfying. If,
on the other hand, he is endowed with keen reason and
passionate sympathy, and yet is wanting in an instinct
for beauty, his work will fail to allure and entrance
us, however profound and sincere it may be. And the
point to be noted is this: that the quality of beauty
is just as important in art as the quality of truth
or the quality of impassioned helpfulness.
is not that Whitman's imitators neglect the form in
attempting to write poetry, but that they fail to make
it attractive. Open Mr. Carpenter's book anywhere and
you perceive at once that, so far from being negligent
about his manner of writing, he has been exceedingly
careful. He has been at great pains to make his thought
effective by giving it form. The trouble is that he
fails to make it beautiful, so that the manner of his
speech offends where it should ingratiate. There can
be no excuse for leaving the direct and simple methods
of prose save the one purpose-to be more sensuous and
pleasing. But Mr. Carpenter and Whitman's other imitators
abandon the simplicity of prose without a dream of making
their utterance more beautiful, or sensuous, or attractive.
Thus they lose all the effectiveness of good prose and
do not gain even the effectiveness of poor poetry. For
poetry may be very poor indeed in the essentials of
thought and emotion, and yet please us by its musical
quality, its grace and style. Many a versifier delights
our ear for the moment, though he entirely fails to
convince our stubborn reason or move the deeper springs
of affection within us. His failure in these regards,
however, ought not to blind us to his one excellence,
nor make us think lightly of a very important part of
poetry, its charm. For charm, or sensuous beauty is
one third of art, and its lack can never be made up
by emphasizing the other two thirds, passionate intensity
of feeling and charity of thought. One might as well
try to make a two-legged stool stand up by lengthening
its legs instead of adding a third.
is really the mistake that the reformer and the humanitarian
fall into when they attempt anything in the domain of
art. They are so carried away by the force of their
own feelings; they see the truth so clearly that the
plainest statement of it seems to them sufficient. Whereas
that is not the case at all. If a mere statement of
fact were sufficient, then the nearer we come to a mathematical
expression of it the better. We should not express ourselves
in literature, but in algebraic signs.
object of literature is to make reason seem more reasonable
and emotion more intense; and this it does by making
them both more attractive, by giving them manifestation
in some beautiful guise. The truth cannot be the whole
truth, unless it appears in some form of beauty; nor
can goodness be complete, unless it makes us satisfied
with its likeness as in love with itself. I am convinced
that two and two make four; I am glad to love my fellows;
but my whole nature is not made happy until you show
me that the beauty of the world, which so enthralls
my senses, is a third fact related to these other two-is
indeed but a third aspect of the same phenomenon.

domain: artistic


text:
Berry - I
Give My Heart
CD Review by Cheryl Harvey Hill
What sets music icons like Willie, Merle, Johnny and June apart from all the rest isn't just talent. It isn't just a great voice. Nor is it just the ability to write and perform great songs. As diverse as all the artists who sing country music are, the true legends all have one thing in common, they have never sold out to a commercial vision of country music. For many of them, this meant producing their own music, their own way, on their own labels. With the release of
I Give My Heart, John Berry follows the lead of some of the biggest names in country music and aptly demonstrates that doing it his way really is the best way for him.
With a gourmet smorgasbord of music, a voice that only becomes more luscious over the years and a deliciously relaxed look about him on the album insert photos, Berry is like a rare and fine wine. He just keeps getting better. This isn't just music. This is music straight from the heart to your soul. This is soul food - delivered in the most palatable package and easily digested via the incredibly passionate ambience that accompanies the music.
The first single to be released from this album is the positively beautiful, "Will You Marry Me," written by John Berry, John Hall and David Lee Murphy. Robin Berry, John's lovely and very talented wife, contributes to the background vocals, and whenever Mrs. Berry steps up to the mic to join Mr. Berry, you are in for a special treat.
From the lead-off track, a pleasing, gentle version of Jim Croce's "Time In A Bottle," to the last track, "Faithfully," you will find yourself smiling for no reason. That's what really good music does. It taps into some inner place that recalls good times and cherished memories. Berry manages to bury deep in your psyche with an eclectic collection of romantic songs. Despite the fact that many of them ("Let's Stay Together," "I Just Wanna Stop," "Lady") were actually huge, pop hits for
several other artists, Berry delivers them in such a refreshing new way that he easily makes them his own, and he gives a whole new meaning to country soul. When the CD got to the chorus on "If" ... I totally lost track of what I was writing. This is definitely one of my favorite songs on this album. And at the end of this song, when Berry holds that last note, there it was again ... that unsolicited smile that accompanies old fuzzy memories. Wow.
It became a futile exercise for me to try to write as I listened; so I sat back in my chair and let Berry's voice take me on an enchanting and romantic journey to the end of the album. And how do I describe the rest of the album after hearing it all? Wow. That's it. That's all I can come up with. Just, wow. This album rendered me speechless and you can ask anyone who knows me -- that is almost impossible. So you just have to take my word for it. This album is a major WOW.
I Give My Heart
2. Time In A Bottle
3. Will You Marry Me
4. Your Love Amazes Me
6. I Just Wanna Stop
|7.I Give My Heart
8. Since The Day That I Met You
9. Love Look What You've Done To Me
10. Let's Stay Together
Review by Jim Weaver:
site is another great one from the gang at www.MusicCityNet.net,
they consistently produce the most eye-catching and creative artist
sites around. They do use a lot of FLASH so it's not going to be a
speedy download for dial-ups but it is worth the wait. Plenty of pics to
view, tour schedule, discography, bio, message boards and even contact
information. The one thing you would expect to find that's not there are
music clips... however, John has something that most artists don't
that's pretty darn cool, it's called John Berry Radio through www.Live365.com.
There's only two problems with this method, I (the listener) can't
control which songs I get to listen to and once the player window is
opened you have to Alt-F4 to close it, it won't close just by clicking
on the little x in the corner for some reason (not John's fault). Other
than that this is a very cool way for fans to listen to your music, it's
just if you're trying to sell a new CD it would be nice to have clips on
your site of each song on the CD.
Please visit the website

domain: entertainment


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The share of American commuters driving alone to work has risen for decades and recently plateaued. Meanwhile, carpooling has seen a steep decline, as has walking and, to a lesser extent, the use of public transit.
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I love history. I like stories and I am interested in people, and the two seem to perfectly come together when reading history. Although I’ve read a lot of books about the Tudor, Stuart and Victorian era, the Georgian period hasn’t really caught my attention until recently. The play/movie ‘The Madness of King George’ has sparked my interest in the 18th century social history — the story of the people of Jane Austen’s novels, who watched as revolutions raged on the continent and who lived through enormous political, industrial, economic and social change.
The Strangest Family is, above all, a meticulously researched and enjoyable book, designed to give the reader a panoramic view of the Hanoverians. Although the focus is on George III and his family, the inclusion of a lengthy account of the family roots, going back to George I, is a fascinating background to understanding the world of the Hanoverians. As Hadlow indicated by the title of her book, the Hanoverians were an odd bunch. George III’s great-grandfather, the Elector of Hanover who was crowned as George I in 1714, was an incredibly ruthless man — had numerous mistresses and drove his wife Sophia into the arms of another man. George’s reaction to his wife’s infidelity was merciless: he had the man murdered and his wife imprisoned in a remote castle in Germany never to see her children again. After banishing his wife, her portraits were stripped from the walls of the royal palaces, and his anger was transferred to his oldest son, the future George II, and his daughter-in law Caroline. He took hold of their children, banned them from the royal palaces and persecuted them endlessly until his death. Although George and Caroline had a close relationship, when he ascended to the throne he became just like his own father: took on many mistresses and had a rough relationship with his oldest son. His relationship with the Prince of Wales was terribly bad that when his son suddenly died of pneumonia at age 43 he proudly declared, “I have lost my oldest son and I am glad of it.”
Having witnessed three generations of infidelity, father-son hating each other as well as other tragic family events, George III ascended to the throne determined to be an entirely new kind of king. Unlike his forebears, he was determined to live a life of ‘high moral standards’ as a role model to his subjects. He resolved ‘none of the womanising or keeping mistresses and all of that mess’ that the men in his own family had done. He reinvented the concept of the ‘Royal Family’ and as the author points out, his policies continue to be followed by our own monarchs today. Although besotted by an English beauty named Sarah Lennox, George III has chosen to marry a Protestant princess from Germany, Charlotte of Mecklenburg.
Hadlow hasn’t examined the king’s political role but only highlighted some significant events of George III’s reign like the American war and the French revolution. The main focus was on the king’s family life with emphasis on George and Charlotte’s very fascinating and complex relationship with their many children. Although George was a very doting father, often seen playing with his children and even sitting on the floor while playing with his daughters, Charlotte was constantly pregnant for the first 21 years of their marriage. In 1780 she wrote: “I don’t think a prisoner could wish more ardently for his liberty than I wish to be rid of my burden and see the end of my campaign. I would be happy if I knew this was the last time.”
The royal couple shared the pain of losing their two small children: 2 year-old Alfred died in 1782, and 4 year-old Octavius in 1783, after a smallpox vaccination. It’s tragically described in detail. And then the death of their youngest daughter Amelia, at 21, who was George’s favourite, was believed to be the final blow to the King’s rapid fall into insanity. His mental illness had a profound impact on his family, and there’s a story of the princesses even sleeping in the Queen’s bedroom to guard their mother from the King’s rage and other unpredictable behaviour.
It’s very painful to read stories of the princesses imprisoned (for lack of a better word) at the royal palaces and have absolutely no freedom to make any decision for themselves. Each of the princesses has a very fascinating story. One of them, Sophia, had rebelled against her parents and became pregnant by one of the equerries (and these are the only men that the princesses ever saw) but she had to give up her child. The father, Colonel Garth, took the baby and the poor child grew up not knowing his own biological mother. There’s a heart-wrenching account of Princess Sophia agonisingly watching her own son playing at the Weymouth beach every summer, and she couldn’t even acknowledge him for fear of getting her little secret out.
While the princes were given some freedom like being sent to train in the Navy at an early age, the princesses were trapped at home and were treated like little children even in adulthood. It was heartbreaking to read detailed stories about the princesses suffering from stifling boredom and frustration. They all wanted to be married but couldn’t. They all found out later on how many proposal their father had rejected. The princesses tried to get their brother, the Prince Regent, to convince their father to allow them to set up house on their own. If getting their own freedom only means moving out of their parents’ prying eyes then they were very happy to do so. But then the king in his desire to dictate to his children’s future, convinced the Parliament to issue Royal Marriages Act of 1772, which prevented his own children from marrying without his permission. It was unbearably sad that the daughters had to wait until their father was mad for them to attain the very freedom that was denied to them.
This book tells a heartbreaking detailed story of a dysfunctional family who tried to live up to what they call a ‘high moral standards’ but at the same time struggling to overcome their own unconventional upbringing. It also illustrates the birth of the tabloid press with the papers reporting little stories about “The King indulging in ‘sea-bathing’ in Weymouth beach” and other private affairs of the royal family. I must conclude (and Hadlow didn’t make any mention of Victoria and other descendants of George) that if King George III had failed to make his family the moral compass for the nation, it was his granddaughter, Queen Victoria, who continued the model of domestic virtue that her grandfather had tried to do. Excellent biography full of intriguing stories, and I couldn’t put the book down, reading the 600-pages book in less than a week.
(Cover photo: Royal Collection. King George III, Queen Charlotte with 13 of their 15 children.)

domain: library


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Police have launched a murder probe after a 24-year-old man died following an assault.
Dale Robson was left fighting for his life after the attack in The Byways, Longbenton, North Tyneside, at around 7.40pm on Wednesday. He was found lying unconscious and was taken to Newcastle General Hospital critically ill with serious head injuries.
A Northumbria Police spokeswoman said: "Three men arrested on suspicion of murder are continuing to help us with our inquiries. A post mortem is being carried out by a Home Office pathologist today."
An inquest has been opened and adjourned. Anyone with information can call Wallsend CID on (0191) 2146555.


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Use up day-old buns and bread in these famous Southern German dumplings, and enjoy a versatile side dish with any savory meal – at Oktoberfest, and beyond! This is a great way to add some Bavarian flair to your menu.
Country Cabbage Rolls Straight From A Mennonite Kitchen Cabbage Rolls are a delicious meal that the who family will enjoy! Saskatchewan, the province I reside in, has a large Ukrainian population, so that’s where this Ukrainian Cabbage
Polnische Zurek Suppe im Brötchen - Rezept | DasKochrezept.de
Beef Cabbage Roll Casserole
Cabbage Roll Casserole is much easier than making traditional cabbage rolls! This yummy casserole is slowly baked and full of ground beef, rice and cabbage in a light tomato sauce. Hearty, simple to make and delicious!
Deliciously easy, this Cabbage Roll Casserole recipe cooks up in the slow cooker all day. All of the flavor without all of the fuss, this is sure to become a regular in your dinner rotation! use cauliflower rice

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Game Of Thrones, an animated journey - #gotseason5 is coming
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This article is about Diablo 4 Best Class Reddit and other important details about the game. Read more on this topic.
Might you want to be know all about Diablo 4? Might it at any point be said that you are restless to know how to play this game? Given that this is valid, read this article till the end. Diablo 4 game is well known across Canada, the US, the Bound together Domain and Germany. People are enthusiastic about playing this game. To know about Diablo 4 Best Class Reddit, you should examine this article without interference.
What is Diablo 4?
Diablo 4 is an impending action game. The game was made and appropriated by Blizzard Entertainment. Though the game was pronounced on November 1, 2019, it should be followed through on June 6, 2023. Series features of this game will be procedurally delivered penitentiaries, and loot focused character building will return. The new components of this game are an open world and player-versus-player affiliations. In any case, people are talking about the playable beta, which will be followed through on Walk 17, 2023. An open beta was furthermore expected to follow through on Walk 24, 2023. People are moreover talking about Diablo 4 Best Druid Gather.
What are the Playable Classes?
Five playable classes have appeared in the series. These playable classes are Savage, Sorceress, Druid, Free thinker, and Warlock. These classes moreover appeared in the past series. The chief playing recipe of this game is that the players ought to find more grounded weapons by conquering the foes. Players can fight against their enemies by using different individual classes. These individual classes can similarly be revamped. Players can moreover use capacity trees isolated from the stuff. Enemies are isolated into monster families. A subject, fight style and region portray the enemies.
Diablo 4 Best Class Reddit
The classes of Diablo 4 have furthermore been analyzed on Reddit. Betas have furthermore been referred to. People are discussing the classes on the Reddit stage. The suppositions for people are also discussed. There may be broadened line times at the hour of shipping off it. The game may in like manner be turned disengaged for the difference in system. Exactly when you are on the game, you will be heard free class you are endeavoring. There will moreover be bug reporting and concentrated help. The player can similarly give analysis about Diablo 4.
There are various discussions around Diablo 4 Best Class Reddit. Their innovative boss Sebastian Stepien got a handle on that they expected to make a more grounded story for Diablo 4 than Diablo 3. To achieve this goal, the plot turns around the direct individuals of place of refuge instead of authoritative issues, rulers or another high-dream subject.
Classes of Character
The characters have been discussed underneath:
- The Savage: This character appeared in Diablo II and Diablo III. It can switch between weapons.
- The Sorceress: The sorceress has moreover returned from Diablo II. It can utilize fire, cold and lightning wizardries.
- The Druid: This class returned from Diablo II. It can have fire and whirlwind.
Diablo 4 Best Class Reddit has furnished people with an idea of Diablo 4, and a couple of presumptions have been referred to on the stage. The players can get various contemplations in regards to the classes. Different players like different classes, and they can play as required.
Virtual Amusement Associations
The players can pick their regions. They can play by embracing different characters. Different characters have different components and act surprisingly. To know more, compassionately visit the association
Did you find the article valuable? Accepting this is the situation, assuming no one cares either way, give the analysis under.
Frequently Asked Questions
1.Who did cultivate Diablo 4?
2.How many classes are there in Diablo 4?
3.When will the game be conveyed?
On June 6, 2023.
4.Who are the tops of this game?
Joe Shely and Luis Barriga.

domain: game


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We are a go people; this is not a drill! Sony has finally taken its cross-save functionality out of beta and is allowing all developers to code it into their games. That means we will, hopefully, start seeing a lot more games becoming cross-compatible. We've created this list of all the games we would love to see work fully across different systems.
- ★ Featured favorite: Destiny 2
- Free-to-play goodness: Apex Legends
- Lets get crazy: Borderlands 3
- Londons calling: Watch Dogs: Legion
- Stick and move: FIFA 20
- The hunt is on: Monster Hunter: World
- Biggest game ever?: Minecraft
- Pew Pew laser sword!: Star Wars: Battlefront 2
- Lay siege to cross-play: Rainbow Six Siege
- RPG for glory: Elder Scrolls Online
- The Final Fantasy: Final Fantasy XIV
With the release of Shadowkeep and it's free-to-play offering New Light, Destiny 2 is in the middle of a resurgence. It already supports cross-save, but having cross-play would make Destiny 2 a huge force in the gaming world. Plus, I would love to play Shadowkeep with my Xbox One friends again.
Apex Legends is a Battle Royale game that came out of nowhere to take us all by storm. We love the three-player teams, and being able to cross-play with friends makes the most sense on free-to-play games. Sony has nothing to lose and everything to gain from making them cross-play.
Borderlands 3 is a wild ride already, but adding it to the cross-play family would bring the insanity to far more people. We love this game here at Android Central and want to play with our colleagues over at Windows Central, too. We have been told that Gearbox is actively working on cross-play so fingers crossed that it happens soon.
The new Watch Dogs game looks great, with your ability to recruit any NPC onto your team. The multiplayer is set to be just as expansive, so having cross-play support makes a lot of sense. Spread the madness!
This game has one of the largest player bases out there. With so many sports fans (who are also video game fans), FIFA is hard to keep on the shelves at every new release. Keeping that in mind, I'm surprised it wasn't one of the first games that gained cross-platform compatibility. With the numbers looking like that, I would've announced cross-platform right away.
Tame your monsters so you can train them to defeat other monsters. In the multiplayer option, you and three other friends join forces to fight against a giant monstrosity. This challenging and gorgeous game has stolen our hearts, and we want to play with our Xbox friends too, dangit!
Playing Minecraft online takes me back to the days of watching RoosterTeeth create wild puzzles and games for themselves on their servers. There is hardly anything cooler for your Minecraft experience than downloading a seed that's filled with a whole lot of adventure and taking your friends for a wild ride. This is one of the main titles I hope Microsoft will push into cross-play.
Battlefront 2 has gone through a transformation since it's disastrous launch. The game is now very good and would make an excellent addition to the cross-play family.
Rainbow Six Siege is one of those games that works best when playing with a close-knit team of friends. You need great communication to play effectively. This is a game that would work amazingly well cross-platform, as you would have a bigger pool of friends to play with.
Scratch the itch for fantasy that we're all craving and play some Elder Scrolls Online. You can grind your levels, defeat dungeons, and take on massive bosses with your friends. The PlayStation version of this game is compatible with those on the PC, but your Xbox friends have been left in the dust, but maybe not for good. Since Sony has opened cross-play, we may see a truly open Elder Scrolls world.
The Final Fantasy series originally started as a single-player game that took you 13,523 hours and 12 discs to complete. Now, with Final Fantasy XIV, it's one download and a whole lot of patches, with the bonus of an MMO that now we can enjoy with friends. The icing on the cake would be playing with all my friends on any platform.
Full cross-save will change gaming
Cross-play is a game-changer. I know everyone says that, but it's true. When you can play your games on the console you love with the people you love; you are far more likely to spend money. Companies are finally starting to see this, and the benefits will be seen very quickly.
Now that Sony has joined the cross-play revolution, games like Monster Hunter can achieve their full potential as massive online games. I can't wait to see if Microsoft gets Minecraft onto the PlayStation cross-play system. It's such a huge game — and it doesn't suck like Fortnite — that seeing it work across all the platforms will be a turning point in modern gaming.
I'm also incredibly excited to play the new Destiny 2 on cross-play. I moved from Xbox One to PlayStation 4 when I first started writing, but I miss the clan I used to play with. Being able to reconnect with lost friends will be amazing.
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PSVR games releasing in November 2020 and more!
PlayStation VR has a solid lineup of games with more being added every month. We've put together a list of everything releasing this month!
From basic black to limited editions, here's every PS4 controller
Sony has come out with dozens of Dualshock 4 colors and designs, some are beautiful and some not so much. We aren't here to judge, just to let you know every PS4 controller color you can get your hands on today.
Cyberpunk 2077, Immortals Fenyx, and more release for PS4 & PS5 in December
The holiday season is almost here, and with it comes even bigger gaming releases. Here are some great games hitting the PS4 and PS5 this month.

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