Chi Chi Wu
@chichiwu.bsky.social
Consumer advocate skeeting about #finjustice, AAPI issues, Brookline & random stuff. Loud Asian Woman (so all posts my own) Reposts =/= endorsements
A warning about Buy Now Pay Later. Watch out for those deceptive“No Interest” credit card promotions too!
“Don’t let deceptive financial promotions with huge, delayed charges ruin your holidays,” said @chichiwu.bsky.social. "Don’t let predatory lenders put you on the hook for this year’s holiday spending into next year and beyond.” #ProtectConsumers #StopTheDebtTrap www.nclc.org/holiday-shop...
Holiday Shoppers Beware! Dangers Lurk in Buy Now, Pay Later and Deferred Interest Credit Card Offers
As holiday shopping kicks into gear amid an affordability crisis, advocates warn shoppers to check twice before accepting financial promotions.
www.nclc.org
November 24, 2025 at 2:48 PM
A warning about Buy Now Pay Later. Watch out for those deceptive“No Interest” credit card promotions too!
I chalk it up to another sign of Trump’s dementia. Also the charisma of Mamdani is seriously off the charts
November 21, 2025 at 9:54 PM
I chalk it up to another sign of Trump’s dementia. Also the charisma of Mamdani is seriously off the charts
😳
EPSTEIN BOMBSHELL: my staff is releasing a new report showing JPMorgan Chase executives – all the way to the top – enabled Epstein's sex trafficking operation. You're going to want to read this.
Wyden Presses for Investigation Into JPMorgan Chase and Epstein
www.nytimes.com
November 20, 2025 at 5:44 PM
😳
Reposted by Chi Chi Wu
Russ Vought is openly admitting this nomination is a front so he can stay on at the CFPB while he tries to shut it down.
Instead of lowering costs for Americans, Trump and Vought want to make it easier for giant corporations to scam families out of their money.
Instead of lowering costs for Americans, Trump and Vought want to make it easier for giant corporations to scam families out of their money.
Trump picks new CFPB director amid efforts to close agency
The nomination of Stuart Levenbach was a "technical" maneuver intended to extend White House budget director Russ Vought's oversight of the agency.
www.politico.com
November 19, 2025 at 6:07 PM
Russ Vought is openly admitting this nomination is a front so he can stay on at the CFPB while he tries to shut it down.
Instead of lowering costs for Americans, Trump and Vought want to make it easier for giant corporations to scam families out of their money.
Instead of lowering costs for Americans, Trump and Vought want to make it easier for giant corporations to scam families out of their money.
We've been fighting to get medical debt off of credit reports for years because it was unfair - getting sick shouldn't ruin your credit score and financial reputation. It turns out the fight could also be important for the survival of patients. news.harvard.edu/gazette/stor...
Odds of surviving cancer drop drastically when credit score dips — Harvard Gazette
Study explores links between financial stress and mortality risk.
news.harvard.edu
November 18, 2025 at 3:23 AM
We've been fighting to get medical debt off of credit reports for years because it was unfair - getting sick shouldn't ruin your credit score and financial reputation. It turns out the fight could also be important for the survival of patients. news.harvard.edu/gazette/stor...
Rental junk fees imposed by greedy corporate landlords can lead to eviction and homelessness. States need to step up and protect their residents from these abusive practices. Great reporting from the Nation www.thenation.com/article/soci...
The Eviction Kings
One of Israel’s biggest companies is taking over huge swaths of US real estate—and tenants are paying the price.
www.thenation.com
November 11, 2025 at 3:36 PM
Rental junk fees imposed by greedy corporate landlords can lead to eviction and homelessness. States need to step up and protect their residents from these abusive practices. Great reporting from the Nation www.thenation.com/article/soci...
On this Veterans Day SMH
As many as 267,000 U.S. veterans will lose their healthcare because Congress has failed to extend the health care tax credit, which expires soon.
americanscovered.org/267000-u-s-v...
americanscovered.org/267000-u-s-v...
267,000 U.S. Veterans to Lose Their Coverage without Health Care Tax Credit
As many as 267,000 U.S. military veterans are set to lose their health coverage next year because Congress has so
americanscovered.org
November 11, 2025 at 3:08 PM
On this Veterans Day SMH
On this day of the Democrats being surrender monkeys, this comment to one of my posts shows how neoliberals just don’t get it and why we’re in this mess.This dude is supposed to be one of our allies, but efficient pricing and protecting landlords is more important to him than preventing homelessness
November 10, 2025 at 4:20 PM
On this day of the Democrats being surrender monkeys, this comment to one of my posts shows how neoliberals just don’t get it and why we’re in this mess.This dude is supposed to be one of our allies, but efficient pricing and protecting landlords is more important to him than preventing homelessness
I will keep saying it until I am blue in the face. Rent reporting needs to be positive-only. There is no amount of "credit building" boost that is worth risking making ANY families homeless
For certain renters, the risk of reporting a missed or late payment can render these programs’ benefits moot. “Those late payments show up on [your credit report], and it’s like the kiss of death for landlords,” says @chichiwu.bsky.social #ProtectConsumers @cnbc.com www.cnbc.com/2025/11/04/r...
This factor can be a 'kiss of death' on your credit report, says consumer advocate
Rent reporting is touted as a way to help marginalized people build credit. But experts say the risks can outweigh the rewards for some consumers.
www.cnbc.com
November 10, 2025 at 4:10 PM
I will keep saying it until I am blue in the face. Rent reporting needs to be positive-only. There is no amount of "credit building" boost that is worth risking making ANY families homeless
It’s wonky. It’s technical. For my Fair Credit Reporting Act geeks out there
This #DigitalLibrary article from @chichiwu.bsky.social breaks down the #CFPB's new guidance that claims the Fair Credit Reporting Act #FCRA preempts all state credit reporting laws -- the 𝐩𝐨𝐥𝐚𝐫 𝐨𝐩𝐩𝐨𝐬𝐢𝐭𝐞 of the its 2022 interpretive rule! #ProtectConsumers #ConsumerLaw
www.nclc.org/digital-libr...
www.nclc.org/digital-libr...
Digital Library: What the CFPB’s Recent FCRA Preemption Guidance Gets Wrong
This article provides an overview of FCRA preemption, discusses why the new 2025 interpretive rule is wrong, and provides suggestions for state policy advocates on how to “preemption proof” their stat...
www.nclc.org
November 7, 2025 at 5:20 PM
It’s wonky. It’s technical. For my Fair Credit Reporting Act geeks out there
I did not realize until this moment how invested I was in Mamdani winning. I think this means I’m legally required to move to NYC
November 5, 2025 at 2:44 AM
I did not realize until this moment how invested I was in Mamdani winning. I think this means I’m legally required to move to NYC
Our official statement on the Vought’s CFPB attempt gut the 15 state laws that ban medical debt from credit reports
“It’s bad enough that millions of Americans may be priced out of health insurance coverage & end up burdened with #MedicalDebt. By trying to invalidate state laws protecting patients, Trump’s CFPB is doubling down." @chichiwu.bsky.social #ProtectConsumers www.nclc.org/trump-admini...
Trump Administration Tries to Block State Safeguards from Damaging Medical Debt on Credit Reports
The guidance comes as millions face 100 to 300 percent increases in medical insurance premiums due to the expiration of Affordable Care Act tax credits.
www.nclc.org
October 30, 2025 at 12:03 PM
Our official statement on the Vought’s CFPB attempt gut the 15 state laws that ban medical debt from credit reports
Reposted by Chi Chi Wu
“It’s bad enough that millions of Americans may be priced out of health insurance coverage & end up burdened with #MedicalDebt. By trying to invalidate state laws protecting patients, Trump’s CFPB is doubling down." @chichiwu.bsky.social #ProtectConsumers www.nclc.org/trump-admini...
Trump Administration Tries to Block State Safeguards from Damaging Medical Debt on Credit Reports
The guidance comes as millions face 100 to 300 percent increases in medical insurance premiums due to the expiration of Affordable Care Act tax credits.
www.nclc.org
October 30, 2025 at 11:48 AM
“It’s bad enough that millions of Americans may be priced out of health insurance coverage & end up burdened with #MedicalDebt. By trying to invalidate state laws protecting patients, Trump’s CFPB is doubling down." @chichiwu.bsky.social #ProtectConsumers www.nclc.org/trump-admini...
Trump CFPB to nullify 15 state laws that ban medical debt on credit reports. As millions face steep insurance hikes (the issue behind the govt shutdown) not only would they saddle these consumers with medical debt, they want to trash financial report cards too
news.bloomberglaw.com/business-and...
news.bloomberglaw.com/business-and...
US Law Overrides State Bans on Medical Debt Reporting, CFPB Says
A federal credit reporting law generally takes precedence over state measures barring medical debt and other items on consumer credit reports, the Trump administration said.
news.bloomberglaw.com
October 28, 2025 at 2:29 PM
Trump CFPB to nullify 15 state laws that ban medical debt on credit reports. As millions face steep insurance hikes (the issue behind the govt shutdown) not only would they saddle these consumers with medical debt, they want to trash financial report cards too
news.bloomberglaw.com/business-and...
news.bloomberglaw.com/business-and...
I caught a glimpse of Mamdani at Grand Central on Sunday, and it was electric, the crowed adored him. And one of the most gratifying aspects is that he’s winning despite false attacks of anti-semitism because he cares about Palestinians
Greenblatt with kinder words for Republicans who are affiliated with actual Hitler Youth than what he says about Zohran Mamdani
October 17, 2025 at 8:44 PM
I caught a glimpse of Mamdani at Grand Central on Sunday, and it was electric, the crowed adored him. And one of the most gratifying aspects is that he’s winning despite false attacks of anti-semitism because he cares about Palestinians
The future leaders of the Republican Party
October 15, 2025 at 11:51 AM
The future leaders of the Republican Party
I never wanna hear again "it's too radical to call for abolishing ICE". If US manages to survive and keep democracy, that better be the goddamn first priority in any Democratic platform
DHS is repelling from helicopters into apartment buildings to raid them and zip tie children in the middle of the night while saying "fuck them kids." They're shooting at people on the streets and lying about it.
This is a hostile occupying force that is a threat to everyone's safety.
This is a hostile occupying force that is a threat to everyone's safety.
October 7, 2025 at 12:20 AM
I never wanna hear again "it's too radical to call for abolishing ICE". If US manages to survive and keep democracy, that better be the goddamn first priority in any Democratic platform
Reposted by Chi Chi Wu
While Trump whines about how the left is the only side engaged in political violence, it appears that his folks just engaged in terrorism against a sitting judge. Imagine if FOX gave this 10% of the coverage it gave to Kirk.
Over the weekend, Trump's deputy chief of staff for policy Stephen Miller repeatedly attacked judges, calling them part of an "organized terrorist attack" on the US government....
On Saturday, the home of a judge who ruled against Trump, went up in flames
time.com/7323442/sout...
On Saturday, the home of a judge who ruled against Trump, went up in flames
time.com/7323442/sout...
October 6, 2025 at 12:33 PM
While Trump whines about how the left is the only side engaged in political violence, it appears that his folks just engaged in terrorism against a sitting judge. Imagine if FOX gave this 10% of the coverage it gave to Kirk.
CFPB had been trying to help renters. Without it, renters are vulnerable to abuses that take advantage of our broken credit reporting system, e.g.,debt collectors parking dubious back rent & damages claims onto credit reports, preventing renters from obtaining new housing www.vox.com/policy/46235...
Tenants say it’s time for landlords to cancel back rent debt
Tenants are going on strike against their landlords.
www.vox.com
October 2, 2025 at 1:43 PM
CFPB had been trying to help renters. Without it, renters are vulnerable to abuses that take advantage of our broken credit reporting system, e.g.,debt collectors parking dubious back rent & damages claims onto credit reports, preventing renters from obtaining new housing www.vox.com/policy/46235...
Reposted by Chi Chi Wu
JUST NOW AT THE UN…
September 26, 2025 at 1:27 PM
JUST NOW AT THE UN…
Reposted by Chi Chi Wu
1/ A woman with dementia moves into an apartment in Colorado.
A few months later she passes away unexpectedly.
The family gets a bill for $4140. By dying, she “broke her lease early”
A landlord gone rogue?
No. It was a billionaire property management company called Greystar.
A few months later she passes away unexpectedly.
The family gets a bill for $4140. By dying, she “broke her lease early”
A landlord gone rogue?
No. It was a billionaire property management company called Greystar.
September 15, 2025 at 4:36 AM
1/ A woman with dementia moves into an apartment in Colorado.
A few months later she passes away unexpectedly.
The family gets a bill for $4140. By dying, she “broke her lease early”
A landlord gone rogue?
No. It was a billionaire property management company called Greystar.
A few months later she passes away unexpectedly.
The family gets a bill for $4140. By dying, she “broke her lease early”
A landlord gone rogue?
No. It was a billionaire property management company called Greystar.
September 18, 2025 at 12:33 AM
We’re in full-on authoritarian times. ABC caved to FCC pressure to cancel Jimmy Kimmel for saying the truth about Charlie Kirk. But the Fox guy who said kill all the homeless people gets to stay on the air www.nytimes.com/2025/09/17/b...
ABC Pulls Jimmy Kimmel Off Air for Charlie Kirk Comments
www.nytimes.com
September 18, 2025 at 12:28 AM
We’re in full-on authoritarian times. ABC caved to FCC pressure to cancel Jimmy Kimmel for saying the truth about Charlie Kirk. But the Fox guy who said kill all the homeless people gets to stay on the air www.nytimes.com/2025/09/17/b...
Reposted by Chi Chi Wu
The nationwide movement to eliminate #JunkFees for renters has reached #Massachusetts, where landlords are now forced to share the total price of what they are renting out with a future tenant before asking for any personal information. #mapoli #ProtectConsumers www.newsweek.com/map-shows-st...
Map shows states with laws limiting "junk fees" for renters
The nationwide, bipartisan movement to eliminate or limit so-called rental "junk fees" is growing, as lawmakers try to offer relief to struggling tenants.
www.newsweek.com
September 17, 2025 at 3:30 PM
The nationwide movement to eliminate #JunkFees for renters has reached #Massachusetts, where landlords are now forced to share the total price of what they are renting out with a future tenant before asking for any personal information. #mapoli #ProtectConsumers www.newsweek.com/map-shows-st...
Be careful of signing up for rent reporting. It might not help your credit score, you may end up paying in substantial $$ fees, and it may cause a lot of harm if you’re late. 90% of landlords check credit and a late rent payment showing up on a report can block you from getting a new apartment
Before you enroll in a rent reporting service, consider the negative consequences or the worst-case scenario, like a job loss, said @chichiwu.bsky.social at NCLC. #ProtectConsumers via @cnbc.com www.cnbc.com/2025/09/15/u...
More consumers are using rent payments to boost their credit score. Here's what to know
More tenants are reporting their rent payment activity to build their credit history. Here's what to consider before enrolling, experts say.
www.cnbc.com
September 15, 2025 at 9:51 PM
Be careful of signing up for rent reporting. It might not help your credit score, you may end up paying in substantial $$ fees, and it may cause a lot of harm if you’re late. 90% of landlords check credit and a late rent payment showing up on a report can block you from getting a new apartment