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	<title>Jane Bryant Quinn &#187; Government</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
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		<title>Investor protection: Brokers and insurance companies hope to stop or weaken gains</title>
		<link>http://janebryantquinn.com/2010/09/investor-protection-brokers-and-insurance-companies-hope-to-stop-or-weaken-gains/</link>
		<comments>http://janebryantquinn.com/2010/09/investor-protection-brokers-and-insurance-companies-hope-to-stop-or-weaken-gains/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 15:45:03 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[investor protection]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1334</guid>
		<description><![CDATA[The game&#8217;s afoot. The financial industry is beginning its stealth attack on financial reform. First up: The single speck of potential investor protection that sneaked into the new law. 
If activated, the change could push brokers, planners and insurance agents toward selling their clients better investments than they might be recommending now. That happy outcome, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lower Fees on Mutual Funds? Yes, If the SEC Has Its Way</title>
		<link>http://janebryantquinn.com/2010/08/lower-fees-on-mutual-funds-yes-if-the-sec-has-its-way/</link>
		<comments>http://janebryantquinn.com/2010/08/lower-fees-on-mutual-funds-yes-if-the-sec-has-its-way/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 17:54:09 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[12b-1 fees]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[Securities and Exchange Commission]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1324</guid>
		<description><![CDATA[The Securities and Exchange Commission is preparing to break the high fixed prices you pay in sales charges when buy and sell mutual funds. It wants to clear the way for discount brokers to offer funds at a lower cost.
To that end, the commission put out a sweeping proposal earlier this month, to change the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/lower-fees-on-mutual-funds-yes-if-the-sec-has-its-way/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Social Security&#8217;s 75th: It will outlive its attackers, and thrive</title>
		<link>http://janebryantquinn.com/2010/08/1292/</link>
		<comments>http://janebryantquinn.com/2010/08/1292/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 03:47:47 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[federal deficit]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tax cuts]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1292</guid>
		<description><![CDATA[Let me get this straight.  Conservative budget balancers say that we can&#8217;t afford Social Security.  This weekend marks the program&#8217;s 75th anniversary. The &#8220;anti&#8217;s&#8221; say it&#8217;s past time to phase it out. End socialism in the U.S.! If you&#8217;re old and poor, your kids should take you in. Harumph.
The same conservative budget balancers say [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/1292/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<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>Congress sells out seniors: No SEC regulation of indexed annuities</title>
		<link>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/</link>
		<comments>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 10:00:16 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[financial reform bill]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1227</guid>
		<description><![CDATA[You can&#8217;t turn your back on Congress for a minute. Just when you think an issue will be settled in favor of investors, a Senator oozes under the door and slides a quick pro-business, anti-investor change into a bill.
That&#8217;s how the equity-indexed annuity &#8212; a costly product with a woeful past &#8212; slipped out of the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/feed/</wfw:commentRss>
		<slash:comments>9</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>Stop Senator Collins! She wants to cut a key investor protection from the financial reform bill</title>
		<link>http://janebryantquinn.com/2010/05/stop-senator-collins-she-wants-to-cut-a-key-investor-protection-from-the-financial-reform-bill/</link>
		<comments>http://janebryantquinn.com/2010/05/stop-senator-collins-she-wants-to-cut-a-key-investor-protection-from-the-financial-reform-bill/#comments</comments>
		<pubDate>Tue, 18 May 2010 10:00:46 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Senator Susan Collins]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1167</guid>
		<description><![CDATA[I&#8217;ve praise the Senate financial reform bill here for imposing a fiduciary duty on stockbrokers. And I praised Maine Senator Susan Collins for wanting to extend that duty to brokers who sell to institutions such as pension funds and mutual funds.
Wow, did I ever speak too soon. Last week, Collins declared herself in favor of gutting [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/stop-senator-collins-she-wants-to-cut-a-key-investor-protection-from-the-financial-reform-bill/feed/</wfw:commentRss>
		<slash:comments>1</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>
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