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Sát cánh cùng quý vị vượt qua những khoảnh khắc tài chính trong đời | Consumer Financial Protection Bureau
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Chúng tôi là Cục Bảo Vệ Tài Chính Người Tiêu Dùng, một cơ quan của chính phủ Hoa Kỳ quyết tâm đảm bảo quý vị được các ngân hàng, nhà cho vay và các tổ chức tài chính khác đối xử một cách công bằng.Trên trang này:Các chủ đề về tiền bạc và thuật ngữ chínhGửi khiếu nại về sản phẩm hoặc dịch vụ tài chính
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Featured topicOn January 11, 2024, the Bureau issued an Advisory Opinion on certain FCRA requirements for background screening companies.On January 11, 2024, the Bureau issued an Advisory Opinion on certain FCRA file disclosure requirements.

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CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs | Consumer Financial Protection Bureau
If Ocwen fails to meet this commitment, it must pay a cash penalty in the amount of any shortfall to the CFPB and the states.

Provide $125 million in refunds to foreclosure victims: Ocwen must refund $125 million to consumers whose loans were being serviced by Ocwen, Homeward Residential Holdings, or Litton Loan Servicing, and who lost their homes to foreclosure between Jan. 1, 2009 and Dec. 31, 2012. All eligible consumers who submit valid claims will receive an equal share of the $125 million. Borrowers who receive payments will not have to release any claims and will be free to seek additional relief in the courts. Ocwen will also pay $2.3 million to administer the refund process. Eligible consumers can expect to hear from the settlement administrator about potential payments.

Stop robo-signing official documents: Ocwen must ensure that facts asserted in its documents about borrowers’ loans used in foreclosure and bankruptcy proceedings are accurate and supported by reliable evidence. Affidavits and sworn statements must be based on personal knowledge.

Adhere to significant new homeowner protections: Ocwen must change the way it services mortgages to ensure that borrowers are protected from the illegal behavior that puts them in danger of losing their homes. To ensure this, the CFPB and the states are proposing that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement with the five largest banks. Because of Ocwen’s track record of problems handling the large volume of mortgage servicing rights it has quickly acquired in recent years, Ocwen is also being ordered to adhere to additional consumer protections, including how it manages transferred lans. Among other things, Ocwen must:

Properly process pending requests: For loans that are transferred to Ocwen, the company must determine the status of in-process loss mitigation requests pending within 60 days of transfer. Until then, Ocwen cannot start, refer to, or proceed with foreclosure.
CalPERS PERSpective
<p>Let’s focus on that third leg of the stool — your savings options. Your CalPERS membership comes with many perks and tools to fund your retirement future.</p>
<p>Whether you’re a state, CSU, public agency, or school employee, you have access to savings programs that can ensure you have the funds to enjoy a comfortable retirement. These savings plans can include:</p>
<ul>
<li><a href="https://www.calpers.ca.gov/page/employers/benefit-programs/457-plan" target="_blank" rel="noopener">CalPERS 457 Plan</a>: This pre-tax option is for participating public agency and school employees.</li>
<li><a href="https://voyamarketingzone.dmplocal.com/sites/4232/scp_welcome.html" target="_blank" rel="noopener">CalPERS Supplemental Contributions Plan (SCP)</a>: This option provides a convenient, after-tax method of investing in your tomorrow for state employees and members of Judges’ Retirement Systems I and II.</li>
<li><a href="https://www.savingsplusnow.com/" target="_blank" rel="noopener">Savings Plus</a>: Delivering both pre-tax and after-tax plans, Savings Plus provides 401(k) and 457 options to both State of California and CSU employees.</li>
</ul>
<p>Although this is not a full list of the savings options you could be eligible for, taking advantage of these plans will ensure that your retirement is on firm footing. Visit our <a href="https://www.calpers.ca.gov/page/active-members/retirement-benefits/deferred-compensation" target="_blank" rel="noopener">Deferred Compensation</a> page for additional details on our savings plans.</p>
<h2>Start Early and Start Now</h2>
California Fish and Wildlife Journal - Contents

W. I. Follett and D. G. Ainley
Sturgeon spawning in the Sacramento River in 1973, as determined by distribution of larvae. D. W. Kohlhorst
The ecology of the gaper or horse clam, Tresus capax (Gould 1850), (Bivalvia, Mactridae), in Humboldt Bay, California. F. Wendell, J. D. DeMartini, P. Dinnel, and J. Siecke
Estimates of population size for tidepool sculpins, Oligocottus maculosus, and other intertidal fishes, Trinidad Bay, Humboldt County, California. J. R. Moring
The rock wrasse, Halichoeres semicinctus, as a cleaner fish. E. S. Hobson
Taxonomic status of Percina in California. J. A. Sturgess
Frequent mowing increases turkey mullein on California foothill rangeland. D. A. Duncan
Prey remains at a golden eagle, Aquila chrysaetos, nest near Hopland, California. G. E. Connolly, M. E. Fry, and J. Fammatre
Nest site and activity of an incubating common merganser in northwestern California. L. D. Foreman
Observations on the inshore population of dungeness crab in Bodega Bay. D. E. Wickham, R. Shleser, and A. Schuur
Size and stage of development of larval English sole, Parophrys vetulus, at time of entry into Humboldt Bay. D. A. Misitano
Checklist of the fishes of the north-eastern Atlantic and of the Mediterranean, Volumes I and II (Book Review). J. E. Fitch
Thinking like a mountain (Book Review). W. G. Macgregor The California sea otter trade 1784–1848 (Book Review). D. Zeiner 
The living reef (Book Review). D. W. Gotshall

1975

California Fish and Game 61(4). Fall 1975.

Breeding status of the tricolored blackbird, 1969–1972.
Fisheries Branch Research Permitting

Fisheries Branch Research Permitting

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News Releases: Sacramento Superior Court

(Fox 40 05.15.24)


	 	Bunmi Awoniyi making history as Sacramento's first Black presiding Superior Court judge - external link
 Sacramento Bee 02.26.24)


	 	Born in England, now presiding judge in Sacramento County. How Judge Awoniyi is breaking barriers - external link
 (KCRA 3 02.09.24)


	 	Retired Judge Gary E. Ransom broke barriers in the courtroom - external link
 (KCRA 3 02.05.23)


	 	Sacramento Superior Court hosts 45th annual 'Mock Trial and Moot Court' competition - external link
 (KCRA 3 01.29.24)


	 	California Courts Formalize Hundreds of Adoptions Over Court Adoption and Permanency Month - external link
 (California Courts Newsroom 12.07.23)


	 	Creating Families - Sacramento County's Adoption Day recognizes the importance of family in children's lives - external link
 (Sacramento News & Review 11.17.23)


	 	Superior Court judge swears in student council members at Sacramento County school - external link
 (KCRA 3 11.15.23)


	 	Not supposed to be in the HOV lane? California rules vary - and violations carry hefty costs - external link
 (The Sacramento Bee 07.24.23)


	 	Jury duty scam alert - external link
 (The Galt Herald 05.3.23)


	 	Scam callers asking for money over 'failure to appear for jury duty' - external link
 (Fox 40 04.27.23)


	 	One day divorce: Sacramento County program helps separating couples get on with their lives - external link
 (CBS News Sacramento 04.18.23)


	 	Sacramento Superior Court eliminates online search fees - external link
 (Fox 40 03.30.23)


	 	Advancing Justice Through Supportive Pretrial Services - external link
 (APPR February 2023)


	 	Sacramento court warns of jury summons scam costing residents thousands - external link
 (Courthouse News Services 01.05.23)


	 	Sacramento Superior Court warns against jury duty money scam external link
 (KCRA 3 12.29.22)


	 	Justice Delayed: A tale of two counties. Could Sacramento have the solution for court backlogs statewide? external link
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<p>May 27, 2024, 9 am &#8211; 10 am ET: <a href="https://www.va.gov/outreach-and-events/events/68951" target="_blank" rel="noreferrer noopener"><strong>Memorial Day Ceremony &#8211; Bayamon, PR</strong></a>&nbsp;</p>

<h2 class="wp-block-heading">South Carolina – SC&nbsp;</h2>

<p>May 27, 2024, 9 am &#8211; 10 am ET: <a href="https://www.va.gov/outreach-and-events/events/68948" target="_blank" rel="noreferrer noopener"><strong>Memorial Day Ceremony</strong></a>&nbsp;</p>

<p>May 27, 2024, 12 pm – 1 pm ET: <a href="https://www.va.gov/outreach-and-events/events/68947" target="_blank" rel="noreferrer noopener"><strong>Memorial Day Ceremony</strong></a>&nbsp;</p>

<p>May 27, 2024, 12 pm- 1 pm ET: <a href="https://www.va.gov/outreach-and-events/events/68945" target="_blank" rel="noreferrer noopener"><strong>Memorial Day Ceremony &#8211; Beaufort, SC</strong></a>&nbsp;</p>

<h2 class="wp-block-heading">South Dakota – SD&nbsp;</h2>
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New York Status: Special ConcernFederal Status: Not ListedOn This PageDescriptionLife HistoryDistribution and HabitatStatusManagement and Research NeedsWatchable WildlifeDescriptionReferred to as the "spirit of northern waters," the common loon is recognized as a symbol of unspoiled wilderness. In breeding plumage, this water bird is black-headed with a black, dagger-like bill, dark red eyes, a black collar, a white necklace, prominent white checks on the back, and white underparts.
Schuyler Flatts Burial Ground | The New York State Museum
Historical and bioarchaeological studies identified the unmarked burial ground as a place once used by individuals enslaved by the prominent colonial Schuyler family. 

The area known as Schuyler Flatts is located along the Hudson River about 5 miles north of Albany, NY. Frequented by Native Americans for thousands of years, the river flats were an ideal location for hunting, fishing, horticulture, and trade. Dutch colonists also recognized the potential of the Flatts and settled there shortly after Killean Van Rensselaer established his patroonship in 1629. By 1672, the prominent Schuyler family had made the Flatts their home and continued to live there for most of the next 300 years. 
Excavation of the Schuyler Flatts Burial Ground
Archaeological investigations by Hartgen Archaeological Associates Inc. identified several graves in the path of the sewer construction. Twelve intact burials were removed and fragmentary remains of another individual were found in disturbed soil. One other individual whose remains were found during an earlier construction project in 1998 was already in the care of the NYSM.
The Burials
The graves were arranged in roughly two rows and oriented with the person’s head to the west and feet to the east. Each individual was wrapped in a winding sheet or burial shroud that was fastened with small brass straight pins and buried in coffins made with white pine boards and hand wrought iron nails. No personal items were found with the graves but the brass pins and wrought iron nails indicate the burials may date to the 18th or early 19th century. 
Slavery at Schuyler Flatts
Historic records indicate that numerous individuals were enslaved at the Flatts over a period of about 150 years. While there is scant information about their lives, the few who are known by name attest to the harsh reality of rural enslavement.
Jan, 1682
The earliest name of an enslaved African at the Flatts is Jan, who according to 1682 court records, was stabbed during an altercation between his owner, Philip Schuyler, and an Indian from the “north” (probably Algonquin). Jan’s injuries required the care of a surgeon for 13 days at a cost of 65 floren in seawan, or wampum, and a physician’s fee of 4 beavers.
Birmingham VA Medical Center | VA Birmingham Health Care | Veterans Affairs
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A propos du GTSC - Comité du Gouverneur pour la sécurité routière
Auparavant, il a été contrôleur élu de la ville de Buffalo de janvier 2012 jusqu’à sa nomination à DMV, et a également été membre de la législature du comté d’Erie et de l’Assemblée de l’État de New York.Avant ses années de service public, le commissaire Schroeder a passé 25 ans dans le secteur privé, notamment à titre de vice-président de deux grandes entreprises.En tant que fonctionnaire, M. Schroeder a acquis la réputation d’être quelqu’un vers qui ses électeurs se tournent lorsqu’ils ont un problème, qu’il soit mineur ou majeur. Pendant son mandat à l’Assemblée, M. Schroeder est l’auteur de la « Loi d’Amanda », qui exige des détecteurs de monoxyde de carbone dans toutes les maisons. La loi a été nommée d’après une adolescente de son district, Amanda Hansen, qui est morte d’une intoxication au monoxyde de carbone lors d’une soirée pyjama chez un ami. Il a également parrainé une loi interdisant la messagerie texte au volant et une loi protégeant les enfants contre les prédateurs sexuels. M. Schroeder a été président du sous-comité de l’Assemblée sur l’autisme et a créé un groupe inclusif de professionnels de la santé mentale, de défenseurs de l’autisme et de parents concernés dans le but de fournir de meilleurs soins aux personnes atteintes de ce trouble.Au cours de son premier mandat en tant que contrôleur de Buffalo, le directeur financier de la ville, M. Schroeder a refinancé une ancienne dette, ce qui a permis aux contribuables d’économiser plus de 62 millions de dollars.