Iowa lawmakers vote to remove gender ID from state civil rights protections
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(DES MOINES, IOWA) — Iowa lawmakers voted Thursday to strike gender identity from state civil rights protections.
The state’s civil rights law currently protects against discrimination in the workplace, school, accommodations, housing and more based on someone’s “age, race, creed, color, sex, sexual orientation, gender identity, national origin, religion, or disability.”
The recent legislation on gender identity quickly made its way through the legislature, though not without facing large protests from critics who believe the bill will open up further discrimination against transgender people.
Transgender Americans — who are estimated to make up less than 1% of the U.S. population over the age of 13 — have been the target of hundreds of Republican-backed bills each year in recent years.
The new Iowa bill is one of more than 450 anti-LGBTQ bills in the U.S. being tracked this year by the American Civil Liberties Union.
Supporters of the legislation came to the Thursday hearing with a plethora of arguments — including concerns about religious freedoms, privacy in public accommodations and the belief that there are only two sexes.
“It would not be wise on the slippery slope of the sand using fluid definitions and feelings. Instead, let’s courageously build it on the tested, immovable foundations of fixed endings and historical truth,” said one community member.
The bill notes an exception for people who experience differences or disorders in sexual development — sometimes known as intersex — as covered by the federal Americans with Disabilities Act of 1990.
Opponents say that the legislation targets a small, vulnerable population and will worsen discrimination often faced by transgender people.
One community member, who said they were an Iowa educated and trained family medicine physician, said the lives of their patients depend on the outcome of the bill.
“As a doctor, I see firsthand how social determinants like stable housing, employment and access to public spaces are critical to my patients’ health,” they said. “The protections in our Civil Rights Code are not abstract. They are lifelines. When a person is denied housing because of their gender identity, they face higher risks of homelessness, violence and worsened physical and mental health.”
(WASHINGTON) — The Consumer Financial Protection Bureau, an independent agency formed in the wake of the 2008 financial crisis to safeguard Americans against unfair business practices, is the newest target of Elon Musk and the Trump administration.
The agency is at a virtual standstill after Musk’s Department of Government Efficiency and Russell Vought, the leader of the White House budget office and now acting director of the CFPB, took control.
They and congressional Republicans have accused the agency of overreach and not being politically accountable.
Internal emails obtained by ABC News show Vought advised the agency’s headquarters in Washington will be closed all week and told employees, “Please do not perform any work tasks.”
In a post on X Saturday night, Vought said the CFPB’s funding, which comes through the Federal Reserve, is “now being turned off.”
Democratic Sen. Elizabeth Warren, who helped create the CFBP, posted a video on Monday “ringing the alarm bell” on what the impact will be if its gutted.
Warren highlighted what she said the agency does for average Americans, including finding fraud in payment apps, stepping in if a bank tries to repossess your car and working to cut credit card fees. She argued that only Congress can dismantle the CFPB, and that Trump and Musk do not have the authority to do so unilaterally.
“So, why are these two guys trying to gut the CFPB? It’s not rocket science: Trump campaigned on helping working people, but now that he’s in charge, this is the payoff to the rich guys who invested in his campaign and who want to cheat families — and not have anybody around to stop them. Yeah, it’s another scam,” she said.
Congressional Democrats and others protested outside the agency on Monday afternoon.
Here is what to know about the agency and its work.
What is the Consumer Financial Protection Bureau?
The CFPB is an independent agency established by Congress after the 2008 financial crisis under the Dodd-Frank Wall Street Reform and Consumer Protection Act. It’s a consumer watchdog aimed at protecting American households from unfair and deceptive practices across the financial services industry.
Its oversight applies to everything from mortgages to credit cards to bank fees to student loans. By law, the CFPB has the rare ability to issue new rules — and impose fines against companies who break them.
Since its establishment in 2011, the CFPB says it has clawed back $20.7 billion for American consumers.
Unlike many federal agencies that are beholden to appropriations battles in Congress, the CFPB’s funding comes through the Federal Reserve system. This has made it a frequent target by Republicans and industry groups. Last summer, the Supreme Court ruled the CFPB’s source of funding is constitutional.
Key actions under the Biden administration
Under the Biden administration, the CFPB took aggressive steps to take on big players in the banking and financial services industries — issuing regulations that aimed to put money back in the pockets of tens of millions of Americans.
In December, it finalized a rule that would cap most bank overdraft fees at $5 (right now those fees can be as high as $35 per transaction). The agency said that would save the typical household $225 per year, or about $5 billion in total. That rule was set to take effect October 1, 2025 — but its fate is now in limbo given the work stoppage order from acting director Vought.
The CFPB also finalized a rule in January that would wipe medical debt from Americans’ credit reports. The agency estimated that would affect roughly 15 million Americans with $49 billion in unpaid medical bills on their credit reports. The change, set to take effect in March, is currently on hold as it faces legal challenges. A similar rule capping credit card late fees is also in legal limbo.
Beyond issuing new rules, the CFPB also addresses direct complaints from consumers who might have been scammed on everything from credit cards to cryptocurrency to car loans.
Overseeing mortgages and banks
The 2008 recession exposed how many Americans were left vulnerable in the unregulated subprime mortgage market. One of the key goals of the CFPB was to oversee the “nonbank mortgage market.” In other words, this applies to homebuyers who take out mortgages through independent lenders that aren’t banks.
According to the CFPB, nonbank lenders account for 65% of all mortgages in the U.S. in a market worth $13 trillion.
In practice, what this means is that the CFPB monitors and keeps tabs on nonbank lenders to try to ensure they aren’t deceiving or ripping off customers.
The agency also supervises banks and credit unions holding more than $10 billion in assets, accounting for more than 80% of the banking industry’s total assets. This includes banks like JPMorgan, Citigroup and Bank of America. Other federal agencies like the Fed, FDIC and Office of the Comptroller also regulate banks.
(WASHINGTON) — White House press secretary Karoline Leavitt, during her first press briefing on Tuesday, faced a barrage of questions on the administration’s freeze on federal financial assistance programs that congressional Democrats called flatly illegal.
Agencies face a 5 p.m. ET deadline to comply with a memo from the White House Office of Management and Budget to cease spending on any grant or loan programs if they suspect it might conflict with President Donald Trump’s recent executive orders on DEI, foreign aid, climate spending more.
The memo prompted widespread confusion among advocacy organizations and state officials, some of whom reported error messages when trying to access portals to draw down funds for Medicaid, community health centers and more.
A legal challenge has been filed by nonprofits and health groups who argue the Office of Management and Budget is exceeding its authority.
“There’s no uncertainty in this building,” Leavitt said when asked to clarify about exactly what programs will be impacted.
“Social Security benefits, Medicare benefits, food stamps, welfare benefits, assistance that is going directly to individuals will not be impacted by this pause,” she said.
Leavitt later added, “However, it is the responsibility of this president and this administration to be good stewards of taxpayer dollars. That is something that President Trump campaigned on.”
Leavitt said the freeze was temporary, but did not expand on a specific timeline on when it would end.
When asked if Medicaid was impacted by the pause, Leavitt couldn’t immediately say. She also did not directly respond to a question on the impact on organizations like Meals on Wheels, which provides meals to 2.2 million seniors, or Head Start, a program for preschool education, that receive federal funding.
Democratic Sen. Ron Wyden posted on social media about reports about Medicaid portals being down in states as he criticized the freeze.
Leavitt, after the briefing, wrote on X: “The White House is aware of the Medicaid website portal outage. We have confirmed no payments have been affected — they are still being processed and sent. We expect the portal will be back online shortly.”
An OMB memo obtained by ABC News Senior Political Correspondent Rachel Scott also sought to shed light on the freeze’s implications.
According to the memo, “in addition to Social Security and Medicare, already explicitly excluded in the guidance, mandatory programs like Medicaid and SNAP will continue without pause.”
“Funds for small businesses, farmers, Pell grants, Head Start, rental assistance, and other similar programs will not be paused,” the document read. “If agencies are concerned that these programs may implicate the President’s Executive Orders, they should consult OMB to begin to unwind these objectionable policies without a pause in the payments.”
Still, the pause could have sweeping implication as the federal government funds thousands of programs, including housing subsidies and educational grants.
The Environmental Protection Agency, which gives grants for an array of national, state and tribal programs — including some to assist with air and water quality — said on Tuesday it was temporarily pausing disbursement.
Former Trump White House chief strategist Steve Bannon said in an exclusive interview on ABC News’ “This Week” Sunday that tech billionaires’ planned attendance at Monday’s inauguration is a sign of their “official surrender” to President-elect Donald Trump.
“As soon as [Mark] Zuckerberg said, ‘I’ve been invited. I’m going,’ the floodgates opened up and they were all there knocking, trying to be supplicants. So I look at this and I think most people in our movement look at this as President Trump broke the oligarchs, he broke them and they surrendered,” Bannon told “This Week” co-anchor Jonathan Karl.
Meta’s Zuckerberg and Amazon boss Jeff Bezos are among the tech executives set to appear at the inauguration, alongside close Trump ally Elon Musk, the world’s richest man. Meta and Amazon are just two of the tech giants who have given money to President-Elect Trump’s inaugural fund.
In the wake of Trump’s victory in November a handful of tech’s most powerful executives have made trips to Trump’s Mar-a-Lago home in Florida for meetings with the president-elect. But despite the show of support, Bannon remains skeptical of their allegiance to Trump and the MAGA movement, specifically citing Zuckerberg’s recent alignment with the right.
“Zuckerberg’s, you know, road to Damascus came a little late. It was after the Fifth of November,” Bannon told Karl. “It’s very, you know, now wants to be a bro. He Kung Fu fights. He’s going to UFC. He’s got his hair done differently. He’s, he’s cut. That doesn’t hack it with me. That guy will flip on President Trump and he’ll flip on us in the second. When it’s convenient for him. He will flip.”
Meta declined to comment on Bannon’s remarks.
Bannon, a stalwart of the MAGA movement and major influence in Trump’s sphere during the early days of his first administration, has been one of the strongest supporters of the 45th president throughout his political career.
He frequently echoed Trump’s false claims of election fraud in the 2020 presidential election and served four months in prison after defying a subpoena from the House select committee investigating the Jan. 6 Capitol riot.
During his interview with Karl, Bannon insisted that Trump’s message during Monday’s inaugural address will be less dark than the first time around.
“I think he’s going to try to unify the country around a course of action that we have to take, I think he’ll lay out the challenges, and he’ll lay out the beginning in some sort of 65-, 60,000-foot level — what his policies and proposals are. But I think it’ll all be about unifying the country and going forward together.”
Bannon cited the broad coalition that led to Trump’s return to the White House as a reason for the shift in tone.
“It’s a whole ecosystem … You have working-class African Americans. You have South Texas in the Rio Grande Valley, people are now prepared not just to stop voting for Democrats, but to vote for him.”
Bannon, told Karl that Trump has the ability to hold that wide-ranging coalition together like few other figures in American history.
“If you had to have somebody to do it, he’s the guy to do it,” Bannon said. “That’s why he is at the level of Washington and Lincoln.”
