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	<title>Jane Bryant Quinn &#187; Consumer Rights</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
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		<title>Credit card interest rates rise but that&#8217;s a good thing</title>
		<link>http://janebryantquinn.com/2010/08/bank-fees-will-fall-thanks-to-pro-consumer-reforms/</link>
		<comments>http://janebryantquinn.com/2010/08/bank-fees-will-fall-thanks-to-pro-consumer-reforms/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 18:39:42 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[credit card costs]]></category>
		<category><![CDATA[financial reform]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1317</guid>
		<description><![CDATA[I&#8217;m about to annoy you. You hate the fact that banks have been raising  interest rates on credit card balances. By the rules of competition, however,  the rise in visible costs will turn out to be a good thing. Fees you can see  will eventually go down.
You&#8217;ve been paying high costs for credit right along, [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/bank-fees-will-fall-thanks-to-pro-consumer-reforms/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Debit card overdrafts: How the banks still cheat</title>
		<link>http://janebryantquinn.com/2010/08/debit-card-overdrafts-how-the-banks-still-cheat/</link>
		<comments>http://janebryantquinn.com/2010/08/debit-card-overdrafts-how-the-banks-still-cheat/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 10:00:11 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1313</guid>
		<description><![CDATA[Are you thinking of signing up for &#8220;courtesy&#8221; overdraft protection linked to  your debit card? Hold off, until you&#8217;ve read this column. Those fees are  protection, all right &#8212; a protection racket. A federal district judge,  who examined the way the giant bank, Wells Fargo, handles debits, called the  practice &#8220;gouging [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/debit-card-overdrafts-how-the-banks-still-cheat/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Debit card overdrafts: Just say no</title>
		<link>http://janebryantquinn.com/2010/08/debit-card-overdrafts-just-say-no/</link>
		<comments>http://janebryantquinn.com/2010/08/debit-card-overdrafts-just-say-no/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 10:29:04 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[abusive bank fees]]></category>
		<category><![CDATA[overdraft protection]]></category>
		<category><![CDATA[overdraft regulation]]></category>
		<category><![CDATA[overdrafts]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1305</guid>
		<description><![CDATA[Just say no, when your bank or credit union asks if you want &#8220;courtesy&#8221; noverdraft  protection for purchases made with your debit card.  This so-called service  damages your finances and  handed the banks $37.1  billion in fees last year, Moebs $ervices reports. Most of that money was  drained from the accounts [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/debit-card-overdrafts-just-say-no/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Why Elizabeth Warren Should Head the New Consumer Protection Bureau</title>
		<link>http://janebryantquinn.com/2010/07/why-elizabeth-warren-should-head-the-new-consumer-protection-bureau/</link>
		<comments>http://janebryantquinn.com/2010/07/why-elizabeth-warren-should-head-the-new-consumer-protection-bureau/#comments</comments>
		<pubDate>Wed, 21 Jul 2010 10:48:09 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[Elizabeth Warren]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1256</guid>
		<description><![CDATA[Harvard law professor Elizabeth Warren dreamed up the idea of a Consumer Financial Protection Bureau, which Congress authorized as part of Wall Street reform.  She campaigned for it tirelessly and understands the issues better than anyone else. She&#8217;s the most qualified person, by far, to become its first director &#8211; the one that will [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/why-elizabeth-warren-should-head-the-new-consumer-protection-bureau/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Financial reform: a big win for consumers, a big loss for investors</title>
		<link>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/</link>
		<comments>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 10:00:56 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[auto dealers]]></category>
		<category><![CDATA[auto lending]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Sarbanes-Oxley]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1221</guid>
		<description><![CDATA[Consumers won. Banks lost. That summarizes the consumer piece of the financial reform bill.
On the other part of the bill that affects individuals, my verdict flips. Investors lost, Wall Street won.
Taking the consumer side first, color me thrilled that Congress created a potentially strong Bureau of Consumer Financial Protection. When President Obama proposed it last [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why consumers need financial reform</title>
		<link>http://janebryantquinn.com/2010/05/why-consumers-need-financial-reform/</link>
		<comments>http://janebryantquinn.com/2010/05/why-consumers-need-financial-reform/#comments</comments>
		<pubDate>Wed, 19 May 2010 08:00:45 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[consumer financial protection agency]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[financial regulation]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1081</guid>
		<description><![CDATA[What angers me most about Wall Street’s shady dealing and  greed is that that they like to blame the national meltdown on their customers.  You&#8217;ve heard their sniffy defense: People took mortgages they couldn’t afford,  lied to lenders about their incomes and deserve whatever they got. The poor li&#8217;l  ole mortgage [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/why-consumers-need-financial-reform/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Buyer beware, if the Senate exempts auto dealers from any new consumer protection rules</title>
		<link>http://janebryantquinn.com/2010/05/buyer-beware-if-the-senate-exempts-auto-dealers-from-any-new-consumer-protection-rules/</link>
		<comments>http://janebryantquinn.com/2010/05/buyer-beware-if-the-senate-exempts-auto-dealers-from-any-new-consumer-protection-rules/#comments</comments>
		<pubDate>Mon, 17 May 2010 09:22:56 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Banks & Banking]]></category>
		<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[auto loans]]></category>
		<category><![CDATA[Cambridge Winter]]></category>
		<category><![CDATA[CFPA]]></category>
		<category><![CDATA[community bank]]></category>
		<category><![CDATA[consumer financial protection agency]]></category>
		<category><![CDATA[credit union]]></category>
		<category><![CDATA[subprime lending]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1108</guid>
		<description><![CDATA[Auto dealers are swarming Capitol Hill, asking their Senators to exempt them from scrutiny by the proposed Consumer Financial Protection Agency. They’ve already won an exemption from the House of Representatives. If the Senate gives them a free pass, too, it will hurt consumers, turn a blind eye to predatory practices, and violate the principle [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/buyer-beware-if-the-senate-exempts-auto-dealers-from-any-new-consumer-protection-rules/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Republican bill strangles the consumer financial protection agency</title>
		<link>http://janebryantquinn.com/2010/05/the-republican-bill-strangles-the-consumer-financial-protection-agency/</link>
		<comments>http://janebryantquinn.com/2010/05/the-republican-bill-strangles-the-consumer-financial-protection-agency/#comments</comments>
		<pubDate>Sat, 15 May 2010 12:00:53 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[CFPA]]></category>
		<category><![CDATA[consumer financial protection agency]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1111</guid>
		<description><![CDATA[Now we know exactly what Republicans have in mind for consumer protection: No new protection, period. The proposal they introduced in the Senate yesterday amounts to a wipeout. Nothing would happen at all to stop future predatory loans.
The Administration want an independent Consumer Financial Protection Agency with its own budget and authority to act. The [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/the-republican-bill-strangles-the-consumer-financial-protection-agency/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Will brokers have to put your interests first?</title>
		<link>http://janebryantquinn.com/2010/05/will-brokers-have-to-put-your-interests-first/</link>
		<comments>http://janebryantquinn.com/2010/05/will-brokers-have-to-put-your-interests-first/#comments</comments>
		<pubDate>Thu, 06 May 2010 13:35:26 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[Goldman Sachs]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1125</guid>
		<description><![CDATA[Goldman Sachs is the gift that keeps on giving. Financial reform was getting as watered down as a carafe of cheap wine until the SEC charged Goldman with fraud. That put Wall Street’s owned-and-operated Senators on the defensive. Maybe—just maybe—Jill and Joe Investor will catch a break. Brokers might have to be more careful about [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/will-brokers-have-to-put-your-interests-first/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Will Consumers Force Washington to Curb Abusive Lending? Or Not.</title>
		<link>http://janebryantquinn.com/2010/04/will-consumers-force-washington-to-curb-abusive-lending-or-not/</link>
		<comments>http://janebryantquinn.com/2010/04/will-consumers-force-washington-to-curb-abusive-lending-or-not/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 16:40:09 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Banks & Banking]]></category>
		<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[consumer financial protection agency]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Elizabeth Warren]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1064</guid>
		<description><![CDATA[We need a pro-consumer tea-party march on Washington&#8211;an angry march that tells the Senate we won’t take it anymore. Consumers are justly furious with banks that misled them about the costs and risks of their mortgages and credit cards, and skewered them with fees. President Obama wants to create a Consumer Financial Protection Agency, to [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/04/will-consumers-force-washington-to-curb-abusive-lending-or-not/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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