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Publication of Your Privacy in 2017

Publication of Your Privacy in 2017

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Items filtered by date: January 2017

Nation’s largest student loan servicer charged borrowers too much, says CFPB

February 16, 2017 The financial futures of more than 12 million federal and private student loan borrowers who collectively owe approximately $300 billion is at the crux of a lawsuit filed by the Consumer Financial Protection Bureau (CFPB). CFPB is suing Navient Corporation and two of its subsidiaries for using shortcuts and deception to illegally cheat borrowers out of their rights to lower loan repayments. Illegal loan servicing failures caused more than one-in-four borrowers to pay more than they should have.

A CFPB investigation of Navient, the nation’s largest student loan servicer of both private and federal student loans, found that borrowers were not accessing a federal student loan repayment option that has been in effect since 2009. For eligible borrowers, income-based repayment can lower monthly borrower payments by taking into account income and family size. Depending upon individual borrower circumstances, payments could be reduced to even zero, and loan forgiveness apply after 20 or 25 years of regular monthly payments.

“At every stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs,” said CFPB Director Richard Cordray. “Too many borrowers paid more for their loans because Navient illegally cheated them…..The Bureau seeks to recover significant relief for the borrowers harmed by these illegal servicing failures.”

From January 2010 to March 2015, CFPB estimates that Navient’s practices cost borrowers up to $4 billion in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.

The lawsuit names Navient and two of its subsidiaries: Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.

“With forbearance, borrowers can temporarily suspend making monthly payments, but their debt continues to grow as the unpaid interest is added to the loan”, continued Cordray. “It is typically not suitable for borrowers who are facing long-term financial hardship. And the longer a borrower is in forbearance, the more their loan balance increases.”

Many of the borrowers incurring excessive charges, according to CFPB, included military veterans who became disabled during their service to the country. Federal law provides that military veterans whose disabilities were incurred during service to the country are entitled to loan forgiveness.

Other CFPB charges include:

§ Failure to correctly apply or allocate borrower payments to their accounts;

§ Deceiving private student loan borrowers about requirements to release co-signers from loans; and

§ Harming the credit of disabled borrowers, including severely-injured veterans.

“Servicers are supposed to follow instructions from the borrower about how to allocate payments across what often are multiple student loans,” noted Director Cordray. “We believe that Navient repeatedly creates obstacles to repayment by misallocating or misapplying payments. The company all too often fails to correct its errors unless a consumer stays vigilant, discovers the problem, and contacts the company to insist that it be fixed.”

Illinois Attorney General Lisa Madigan supports the CFPB lawsuit adding, “Navient’s actions have led to student borrowers needlessly carrying billions of dollars in debt and the company must be held accountable.”

Many consumer advocates agree.

"Too many Americans are struggling to make their student loan payments every month,” said Whitney Barkley-Denney, a policy counsel specializing in student lending with the Center for Responsible Lending. “While the Department of Education has created programs to help make monthly payments more affordable, those programs only work if servicers are actually helping eligible borrowers access them. Servicers aren't merely debt collectors - they can be a borrower's lifeline to financial stability."

Anyone interested in filing a student loan complaint with CFPB can use an online form, fax to 855-237-2392, or mail complaints to

Consumer Financial Protection Bureau
PO Box 4503
Iowa City, IA 52244

CFPB staff is available at its toll-free number that is staffed weekdays from 8am until 8pm Eastern Time: 855 411-CFPB or 855- 411-2372.

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American Idol Rocky Peter To Perform At The 49th Annual UNITY in CommUNITY Black History Month Expo

Peter’s will take the stage at the 49th Annual “UNITY in CommUNITY” Black History Month Expo on Feb. 25th, 16005 Sierra Lakes Parkway and Citrus Ave. at the North Fontana Home Depot parking lot from 11a.m. to 4.pm. The day’s scheduled events includes the school district wide “What’s In A Name” essay competition winner announcements, food, fun, kid zone, drill teams, bands, dance crews, live entertainment, music, and a host of vendors.

Rocky Peter is a self-taught singer songwriter and musician who was raised in west Africa Nigeria. He taught himself how to play multiple instruments such as guitar, bass, drums, piano and more. His musical style is highly influenced by reggae soul, pop and folk music. Rocky Peter is a brilliant poet and lyricist whose musical theme is centered around love, motivation, and unity among people.

Rocky Peter escaped from slavery and educated himself. He then moved back to the United States and graduated from UC Riverside with a degree in biological science. Rocky states that through his obstacles writing and composing music made him forget about his obstacles. After college Rocky decided to pursue his passion for music.

Rocky’s attitude of never giving up landed him on American idol, the Nobel Peace Prize stage and the 2016 Rio Olympics stage. He now consistently travels the country to sing and works as a peace ambassador with peace through commerce and the Nobel Peace Prize award forums. Rocky’s journey inspires many kids and youth to believe that they too can live the American dream if they work hard and believe in themselves

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2017 Beautillion Knights Represents 50 Years of Service To The Community and Mentorship By The Social-Lites

Christopher_Fulton
Christopher Fulton

Akil_Cooper
Akil Cooper

Jonathan_Rodgers
Jonathan Rodgers

Julian_Houston
Julian Houston

Steven_Henderson
Steven Henderson

Vonte_Walker
Vonte Walker

The Social Lites are an impressive group of women from various professions who have steadfastly dedicated themselves to the youth in the Inland Empire Community. Over the last 50 years, the Social Lites have made many worthwhile contributions to the needs of the community through various charitable enterprises.

The Social Lites Inc., Scholarship Foundation of San Bernardino will present their 50th Annual Beautillion Ball, on Saturday March 11, 2017 at the National Orange Show, 689 South “E” Street, San Bernardino, CA 92408. The Beautillion Scholarship Program is an event geared to recognize and honor young men within the Inland Empire striving toward greater accomplishments in academic achievements.

The theme for the 2017 Beautillion Scholarship Program is “Men of Tomorrow Pushing Forward”. This year the young men have demonstrated personal, business growth, development, and community presentations. The six young men vying for the title of Sir Knight 2017 are Christopher Fulton of San Gorgonio High School, Akil Cooper, Jonathan Rodgers, Julian Houston, and Steven Henderson, all four Knights attends Cajon High School, and Vonte Walker of Arroyo Valley High School. They all have participated in various seminars and workshops including Strategic Planning/Goal Setting, Cultural Proficiency, Social Justice, Self Determination, and Business For Profit and Non Profit sessions and the Black College Expo.

The young men have experience the value of community service through donations of holiday food baskets, donations of Christmas bicycles to the Boys and Girls Club of San Bernardino, also they have participated and volunteer as an usher at the Christmas Kwanzaa Event, the Martin Luther King Breakfast Event, and the 2nd Annual BCCIE Black History Super Expo. These young men have canvassed the community soliciting support through the sale of ads from family, friends, church family, and businesses throughout the Inland Empire. The ads generated for this year Beautilion Scholarship Ball will provide funds for scholarships and gifts to be awarded on the night of the Beautillion Scholarship Ball.

This is strictly a “ Formal Attire” event, the no host social hour beginning at 6:30pm and the presentation of these young men will begin at 8:00pm. For more information, go to www.sociallitesinc.net or contact Lisa Blacksher, Beautillion Chairperson at This email address is being protected from spambots. You need JavaScript enabled to view it. or Bettye Brewster, President at (951) 204-0022 or This email address is being protected from spambots. You need JavaScript enabled to view it., and Joyce Smith Vice President at 909-534-2929

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The North Fontana Black Awareness Committee Present The 49th Annual Black History Monty “Unity In CommUNITY” Expo

The North Fontana Black Awareness Committee present the 49th Annual Black History Month “Unity In CommUNITY” Expo on Feb. 25th, 16005 Sierra Lakes Parkway and Citrus Ave. at the North Fontana Home Depot parking lot from 11a.m. to 4.pm. The day’s scheduled events include the school district wide “What’s In A Name” essay competition winner announcements, food, fun, kid zone, drill teams, bands, dance crews, live entertainment, music, and a host of vendors.

The Concerned Citizens for the Development of North Fontana, for Black History Month would like to introduce

Mr. John” Ham” Williams 6ft - 170lbs. New Yorker, known as the amazing court magician that came to the Clowns directly from his New York City high school. “Ham” was a great all-around player, with 20 points a game he was a top scorer for the Clowns. With his uncanny passing technique and dribbling ability, he become the most valuable back court man and the brightest star of the Clown organization.

The Harlem Clowns was a African American show team based in Chicago that toured the world during its several decades of existence for 1934-1983

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NAACP at the Museum: Black History Matters

As part of Black History Month, the Pomona Valley Branch of the NAACP will hold a Black History Matter event at the African American Museum of Beginnings on Monday, February 27 from 6:00PM to 8:00PM. Members of the community are invited to attend. The author of “History is a Part of Me” Ms. Drama Ganza, Ms Stephanie Baker of the Pomona Unified School District and other community leaders will highlight the Museum’s collection and provide insight into the importance of Black History.

African American Museum of Beginnings is located at

1460 E. Holt Avenue

Entrance 3, Suite 188

Pomona, CA 91767

In addition, “The Orator,” a high-fired stoneware bust of President Obama, created by artist and sculptor James Ellison, will be formally loaned to the Museum by the NAACP Pomona Valley Branch for public display. The sculpture is a major donation to the Pomona Valley Branch, NAACP members are extremely appreciated to Mr. Ellison.

Jeanette Ellis-Royston, President of NAACP, Pomona Valley Branch, said “I am pleased that ‘The Orator’ will be on public display at the African American Museum of Beginnings. The evening at the Museum provides an opportunity for everyone in the Pomona Valley to celebrate Black History Month.”

This email address is being protected from spambots. You need JavaScript enabled to view it. or call 909 764-7833 for more information.

Additional information on the Pomona Valley Branch of the NAACP can be found on their website, http://www.naacp-pomona-valley.org/.

The mission of the National Association for the Advancement of Colored People (NAACP) is to ensure the political, educational, social, and economic equality of rights of all persons and to eliminate race-based discrimination

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Police Chiefs Say Trump’s Law Enforcement Priorities Are Out of Step

Publishers Corner

Clifton Harris

Publisher of The San Bernardino AMERICAN News

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Police Chiefs Say Trump’s Law Enforcement Priorities Are Out of Step

By TIMOTHY WILLIAMS and RICHARD A. OPPEL Jr.

Not surprisingly, President Trump’s approach to crime, which began to take shape in a series of moves last week, generated swift criticism from liberals and civil rights groups.

But it also stirred dissent from another quarter: prominent police chiefs and prosecutors who fear that the new administration is out of step with evidence that public safety depends on building trust, increasing mental health and drug addiction treatment, and using alternatives to prosecution and incarceration.

“We need not use arrest, conviction and prison as the default response for every broken law,” Ronal W. Serpas, a former police chief in Nashville and New Orleans, and David O. Brown, a former Dallas chief, wrote in a report released last week by a leading law enforcement group. “For many nonviolent and first-time offenders, prison is not only unnecessary from a public safety standpoint, it also endangers our communities.”

The organization, the Law Enforcement Leaders to Reduce Crime and Incarceration, is made up of more than 175 police officials and prosecutors, including Charlie Beck, Los Angeles’s police chief; Cyrus R. Vance Jr., Manhattan’s district attorney; and William J. Bratton, the former police chief in New York and Los Angeles. Other leading law enforcement groups have also called for an increase in mental health and drug treatment, a focus on the small number of violent offenders who commit the most crimes, training officers on the appropriate use of force, and retooling practices to reflect a growing body of evidence that common practices, such as jailing people before trial on minor offenses, can actually lead to an increase in crime.

The group warned that “failing to direct these resources toward our most immediate and dangerous threats risks wasting taxpayer dollars,” singling out using federal money on “dragnet enforcement of lower-level offenses.”

Mr. Trump has shifted the focus from civil rights to law and order, from reducing incarceration to increasing sentences, from goading the police to improve to protecting them from harm. Last week, he swore in a new attorney general, Jeff Sessions, who has said that the government has grown “soft on crime,” and helped block a bipartisan bill to reduce sentences. Mr. Sessions said that a recent uptick in crime in some major cities is a “dangerous, permanent trend,” a view that is not supported by federal crime data, which shows crime remains near historical lows.

The president signed executive orders that repeatedly connected public safety to immigration violations, vowing to fight international crime cartels; to set up a task force to “comprehensively address illegal immigration, drug trafficking, and violent crime”; and to focus on preventing violence to peace officers.

Some police chiefs and sheriffs have complained that immigration enforcement is not consistent with their priorities and could undermine hard-earned trust. “I would rather have my officers focused on going after violent criminals and people breaking into homes than going after nannies and cooks,” Chief Art Acevedo of Houston said.

Kim Ogg, the new district attorney in Houston, won office promising to make changes like dropping prosecution of low-level drug offenses, reducing the use of money bail and releasing videos of police shootings. Those priorities were much more aligned with the Obama administration than Trump’s, in whose pronouncements Obama-era buzzwords like deincarceration, constitutional policing and de-escalation — reducing the use of force during police encounters — have all but disappeared. Mr. Trump did tell a gathering of police chiefs this week: “As part of our commitment to safe communities, we will also work to address the mental health crisis. Prison should not be a substitute for treatment.”

Ms. Ogg said Mr. Trump’s law enforcement agenda would not prompt disagreement, but did not necessarily reflect new concerns. “No one in law enforcement is going to take a position against protecting law enforcement officers — but I think promoting equal justice and equal protection for everyone is the job of district attorneys, and our leadership,” she said. Mr. Trump has been silent about fatal police shootings of unarmed civilians — which until recently had monopolized conversations about criminal justice. Instead, he has spoken about the need for more aggressive policing to stem violent crime, including a threat to “send in the Feds” to quell the growing rate of homicides in Chicago.

Some police chiefs said they are reserving judgment until there is more meat on the bones of the administration’s plans. “Hopefully, they are going to seek our practical advice,” said Edward A. Flynn, Milwaukee’s police chief, who also heads the legislative committee of the Major Cities Chiefs Association. “That to us is key. We don’t want any more policy bromides grounded in campaign promises. We want ideas grounded in practical wisdom about how to protect our cities.”

Still, a number of chiefs — and perhaps the vast majority of lower-ranking officers — say they are basking in the glow of Mr. Trump’s positive attention after feeling under siege during the Obama administration. “Law enforcement in general was painted with a very broad brush,” said Michael J. Bouchard, the sheriff of Oakland County, Mich. “The idea was that policing was broke, and I think that was a false dialogue.”

Unions agreed. “I can promise that if we have a president who is speaking about protecting the lives of police officers, that the membership is going to be supportive of him,” said Chuck Canterbury, the president of the Fraternal Order of Police. “No police officer took an oath that said, ‘I agree to support and defend the Constitution and to get my butt whipped.’” Michael A. Ramos, the president of the National District Attorneys Association and the chief prosecutor in San Bernardino County, Calif., hailed the shift in emphasis, saying the pendulum had swung “way too far” toward being “soft on crime.”

Law enforcement leaders responded more positively to Mr. Trump’s order to ratchet up the fight against organized crime cartels, which operate through intermediaries in even the smallest American cities through the sale of heroin, methamphetamine, and other drugs.

But Darrel W. Stephens, the executive director of the Major Cities Chiefs Association, said the nation also needed to address its appetite for drugs: “We must do everything we can to stop the flow of drugs into our country, but doing so would not solve our substance abuse problem.”

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California’s First African American Doctor is Still Practicing at Age 93!

CELEBRATING BLACK HISTORY MONTH

Dr. Hutchinson credits his longetivity to having a sense of humor. He says that he found the newspaper article funny because it gave him just what he needed - free publicity. He also believes in giving to others. He sees patients of all races, and has never turned anyone away because they couldn’t pay.

He says he also gets strength from his tragedies. He has lost both his wife and one son; his son used to work in his office. He is grateful to both of them because they both helped him get where he is today, and it brings him comfort to remember them.

How he got started
Dr. Hutchinson received his medical degree in 1952 from Meharry Medical College School of Medicine, a historically Black college. He was the first doctor at the rodeo at the Cow Palace! He was one of the founding doctors of Planned Parenthood and Project 90. His family was also the first black family to move into the Hillsborough area of San Mateo County!

Words of advice
He says, “I was brought up in a family tradition that you give back to the community. That if you were born to be fortunate, you don’t get to hoard all your apples.”

He says he continues to practice medicine because he enjoys it. He also believes that his wife and son would have wanted him to continue as long as possible helping others and doing good.

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UC Riverside Gets $5.1 Million to Fight Citrus Killer

Research will focus on attacking Huanglongbing, a disease that is destroying Florida’s citrus industry and threatens California

RIVERSIDE, Calif. (www.ucr.edu) — A team of scientists, led by a group at the University of California, Riverside, has received a five-year, $5.1 million grant from the U.S. Department of Agriculture to fight a disease that is devastating the citrus industry.

The team, led by Caroline Roper, an associate professor of plant pathology, will design and identify bactericides, which are chemicals that kill bacteria, to target Huanglongbing, a bacterial plant disease decimating citrus trees worldwide. They will also focus on better understanding the pathways those bactericides travel inside citrus trees.

Huanglongbing, which has devastated citrus trees in Asia and South America, was detected in Florida in 2005 and has since led to a 75 percent decline in the Florida’s $9 billion citrus industry. Fifteen U.S. States or territories are under full or partial quarantine due to the presence of the Asian citrus psyllid, an insect which feeds on citrus trees and – in doing so – transmits Huanglongbing.

Past research has identified the bacterium (Candidatus Liberibacter asiaticus or CLas) associated with Huanglongbing that is killing citrus trees. But, it has proved difficult to deliver bactericides to the phloem, the part of the citrus tree where the harmful bacteria resides.

The UC Riverside team will analyze phloem transit routes that bactericides take when introduced through common application methods, such as trunk injection or leaf or root applications.

They will also continue to develop a new delivery system for use in field citrus trees. The delivery system targets the branches and petioles, which are the stalk that join a leaf to a stem. The idea is based on previous work that indicates that this is an effective and efficient way to tap into and introduce material into phloem tissue, a tissue that is hard to access.

They will also conduct fluorescent tracer experiments that map phloem transport pathways in citrus and harness that information to predict and test the routes that bactericides take when introduced. This will yield information about the routes bactericides travel when administered through delivery methods used by growers and the branch/petiole feeding technique.

The researchers will develop two classes of bactericides, the first based on mining anti-CLas compounds naturally produced by microbes that inhabit Huanglongbing survivor trees in Florida, and the second based on silver and sulfur nanoparticles.

Finally, the researchers will also undertake an extension and outreach program for citrus growers and non-commercial citrus growers (homeowners and hobbyists). They will also perform an economic cost-benefit analysis for adoption of these treatments in the commercial citrus industry.

In addition to Roper, the following UC Riverside scientists are involved: James Borneman, Philippe Rolshausen, David Jassby, Georgios Vidalakis, and Haizhou Liu. And, the following researchers from other institutions are involved: Robert Turgeon (Cornell University); Katherine Maloney (Point Loma Nazarene University); Pieter Dorrestein (UC San Diego); Greg McCollum (U.S. Department of Agriculture), and Jonathan Kaplan (CA State University, Sacramento).

The grant is one of four given by the U.S. Department of Agriculture’s National Institute of Food (NIFA) and Agriculture to combat Huanglongbing. The funding is made possible through NIFA’s Specialty Crop Research Initiative Citrus Disease Research and Extension Program, authorized by the 2014 Farm Bill.

To read press release visit: https://ucrtoday.ucr.edu/44313

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“I Am Not Your Negro” Receives Oscar Nod

On February 1, the first day of Black History Month, the National Museum of African American History and Culture premiered the Oscar-nominated documentary “I Am Not Your Negro,” which features commentary by James Baldwin. The film is a tribute to the staggering contribution of one of America’s greatest men of letters.

Director Raoul Peck spent ten years completing the film. The documentary was inspired by one of Baldwin’s unfinished manuscripts regarding his friendships and views on three of his friends: Medgar Evers, Martin Luther King Jr. and Malcolm X. None of the three would live to see their 40th birthday. Medgar Evers was assassinated in 1963 in Jackson, Miss.; Malcolm X was assassinated in 1965 in New York City; King was assassinated in 1968 in Memphis, Tenn.

At the heart of the film, the jarring documentary provides Baldwin’s sociopolitical observations and showcases the writer’s eloquence and directness as a communicator.

Peck credits Baldwin with changing his life after he read “The Fire Next Time” when he was a teenager.

“The starting point of the movie are the words of a person, a great author, James Baldwin,” Peck said at the The Hollywood Reporter’s Documentary Oscar Roundtable. “My job was to put myself in the background. I knew those words since I was 15 years old.

“If I can summarize the essential part of Baldwin, it is the ability and obligation to always question whatever truth is put in front of you. Beginning with images, beginning with stories, beginning with cinema. This is something that I learned very early on,” Peck told a reporter last week. “And Baldwin gave me the words and the instruments to do that, to be able to deconstruct whatever was put in front of me—ideology, stories, narrative—very concretely.”

Baldwin was an American social critic, novelist, essayist, playwright and poet. His essays, as collected in “Notes of a Native Son” (1955), explore issues of race and class differences in a poignant, sometimes provocative way. His books include “The Fire Next Time” (1963), “Giovanni’s Room” (1965), “No Name in the Street” (1972), and “The Devil Finds Work” (1976).

There hasn’t been anyone who has been able to duplicate the power of Baldwin since his death at 63 in France in 1987. Baldwin confronted the “moral monsters” of racism in the United States and dealt with the complex social and psychological pressures confronting Black people in America. Baldwin often challenged White Americans on the question of racism.

“It does matter any longer what you do to me,” Baldwin said in an interview in 1965. “The problem now is how are you going to save yourselves?”

Lauren Victoria Burke is a political analyst who speaks on politics and African American leadership. She is also a frequent contributor to the NNPA Newswire and BlackPressUSA.com. Connect with Lauren by email at This email address is being protected from spambots. You need JavaScript enabled to view it. and on Twitter at @LVBurke.

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Vernon Bragg Jr. Rialto Toastmasters Distinguished Citizen Award

Vernon Bragg Jr. Rialto Toastmasters recognized it’s “Distinguished Citizen of the Year,” Mayor Deborah Robertson (Rialto). Mayor Robertson was unanimously selected by club members as an avid supporter of Toastmasters adult and youth educational programs.

Vernon Bragg Jr. Rialto Toastmasters meet Tuesdays, 7:00a - 8:15a at Rialto Fire Station #202, 1700 N. Riverside Ave., Rialto. Visit our website for up to date information about our club: http://Rialtotoastmastersv bj.toastmastersclubs.org

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