Welcome to the new format of the Habeas Humor Podcast, visual and live for patrons (everyone else can watch/listen the next day). To become a patron, go to patreon.com/habehumor.

This episode comes out on Juneteenth, so we gotta talk about that. It just became an official legal holiday in Pennsylvania, BTW. 

Slavery is gone, but good old shady American capitalist practices endure. The latest in predatory lending is Chase's new arbitration agreement for bank account and credit card customers. They want you to waive your right to bring a class action lawsuit, but you can opt out so do!!!

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LINKS

Videos:

The Credit Shifu: https://www.youtube.com/watch?v=z8Wjl4f7DOU

Loan Shark: https://youtu.be/oP6abil5JX8

Court Decisions:

https://scholar.google.com/scholar_case?case=13997435562158688431&hl=en&as_sdt=6&as_vis=1&oi=scholarr

https://scholar.google.com/scholar_case?case=17088816341526709934&hl=en&as_sdt=6&as_vis=1&oi=scholarr

https://www.supremecourt.gov/opinions/17pdf/16-285_q8l1.pdf

Articles and References:

Juneteenth:

• https://www.pbs.org/wnet/african-americans-many-rivers-to-cross/history/what-is-juneteenth/https://en.m.wikipedia.org/wiki/Juneteenth
• https://en.m.wikipedia.org/wiki/Al_Edwards
• https://www.thehistorymakers.org/biography/honorable-albert-edwards
• https://www.legis.state.pa.us/CFDOCS/billInfo/bill_history.cfm?syear=2011&sind=0&body=H&type=B&bn=2190
• https://www.legis.state.pa.us/cfdocs/billInfo/bill_history.cfm?syear=2019&sind=0&body=H&type=B&bn=619

Banks:

• https://thinkprogress.org/chase-just-tried-to-screw-its-credit-card-holders-heres-how-you-can-screw-them-back-530249232b32/
• https://www.creditcards.com/credit-card-news/credit-card-debt-statistics-1276.php
• https://www.creditcards.com/credit-card-news/credit-cards-by-type-balances-by-credit-tier.php
• https://www.fool.com/the-ascent/credit-cards/articles/this-is-how-credit-card-companies-hauled-in-163-bi/
• https://www.creditcards.com/credit-card-news/credit-card-delinquency-statistics-1276.php
• https://wallethub.com/edu/cc/credit-card-debt-study/24400/
• https://www.creditcards.com/credit-card-news/card-issuers-profits-slip-fed-report.php
• https://www.cnbc.com/2018/07/13/credit-card-super-users-take-a-330-million-bite-out-of-jp-morga.html
• https://www.uponarriving.com/2017/01/12/banks-make-money-credit-cards/
• https://www.alternet.org/2019/06/a-huge-red-flag-mick-mulvaney-ramps-up-his-effort-to-destroy-the-cfpb-from-within-fires-the-entire-advisory-board/
• https://www.consumerfinance.gov/policy-compliance/rulemaking/
• https://www.consumerfinance.gov/about-us/newsroom/bureau-proposes-regulations-implement-fair-debt-collection-practices-act/
• https://www.npr.org/2018/12/06/673222706/senate-confirms-kathy-kraninger-as-cfpb-director
• https://www.consumerfinance.gov/about-us/newsroom/cfpb-issues-rule-ban-companies-using-arbitration-clauses-deny-groups-people-their-day-court/
• https://www.cnbc.com/2018/06/20/mick-mulvaney-says-cfpb-cant-be-a-gold-standard-agency-while-its-still-elizabeth-warrens-baby.html
• https://www.bloomberg.com/opinion/articles/2019-06-17/how-housing-finance-enriched-whites-at-expense-of-black-borrowers
• https://arstechnica.com/tech-policy/2019/06/comcast-broke-law-445000-times-in-scheme-to-inflate-bills-judge-finds/?fbclid=IwAR0fxd6DLu5VTJQVICTgxCWA3je1v54QUfJsj6TkcN1AtL9D5skUbLetLvo
• https://www.nytimes.com/2019/04/16/magazine/consumer-financial-protection-bureau-trump.html