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Democrats may have lost power in Washington in part because voters blamed them for the rising cost of goods, but when Joe Biden’s administration hands over power, it will also leave behind a series of strong new protections for consumers.

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►Caps on annoying costs:$35 is the max monthly cost of insulinfor Americans in Medicare thanks to a law passed by Democrats, and some drug makers are now expanding that price cap for even more people. There’s also a new $5cap on overdraft feesat banks thanks to a new rule finalized by the Consumer Financial Protection Bureau.

►Bans on efforts to hide costs from consumers:The Federal Trade Commission cracked down onjunk fees for concert ticketsand short-term rentals are subject to new transparency rules. Fake online reviews can lead to fines.

►Protections for travelers:Airlines are nowrequired by the Department of Transportationto issue refunds for some cancellations and the government has created a website to compare the consumer policies of different airlines. The Federal Aviation Administration has proposed a rule to help families with children to sit together at no extra cost.

►Transparency in cable and internet bills:New Federal Communications Commission rules will make it easier for people to figure out what they’re being charged“all-in” in cable billsand a “nutrition label” to demystify internet service provider bills.

►A crackdown on scam texts:The FCC is alsorequiring mobile service providersto block some text messages from suspicious sources.

► A better way to unsubscribe:The FTC is requiring that subscriptions bought online must include a “click to cancel” option online.

Even in the waning days of the Biden administration, there are more happening. CFPB is working to remove medical debt from most credit reports, although that rule finalized in early January is alreadythe subject of a lawsuit. The Wall Street Journal alsoreported Mondaythe FTC would sue the country’s largest landlord, Greystar Real Estate Partners, alleging deceptive pricing practices.

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“I would say that being a consumer in the United States has become a lot more transparent, or it’s on the path to becoming more transparent, and that’s a very good thing,” Murray said.

“I would say that that President Biden has been the the strongest consumer protection president we’ve probably ever had,” she told me, arguing the Biden administration went all out to fix “the conundrums that consumers find themselves in when they’re trying to make everyday decisions in their lives about airline tickets, or tickets to live events, or banking.”

Why is Aditya Birla Sun Life AMC Ltd (ABSLFTSKRG) falling ✌️【Safe Investments】✌️ Stay informed with expert predictions of stock trends and real-time market data, covering global indices, futures, metals, and agricultural products. Make better decisions and achieve consistent growth in your investments. The measures have been enacted in a variety of ways, such as passing new laws, as with the cap on the cost of insulin in Medicare or some of the airline-related reimbursement rules.

But most have been done through rulemaking, the process whereby a government agency proposes a rule, hears from the public over the course of months, and then engages in a rulemaking process, which takes time and is subject to lawsuits.

Undoing such rules does not happen overnight and there’s no indication that Trump will look to claw back any of these presumably popular measures.

But he does want to reorganize the government. Tesla and SpaceX CEO Elon Musk, one of the co-leaders of Trump’s government efficiency efforts, has said he wants to “delete” the Consumer Financial Protection Bureau.

Why is Aditya Birla Sun Life AMC Ltd (ABSLFTSKRG) falling ✌️【Safe Investments】✌️ Professional stock market analysis, real-time data, and expert recommendations for high-potential stocks. Take advantage of market opportunities and improve your capital growth with strategic investment plans. The agency, thebrainchild of now-Sen. Elizabeth Warren of Massachusetts, was created by law during President Barack Obama’s administration in response to the 2008 financial system meltdown. The Supreme Court this yearsaved the CFPB from extinctionwhen it brushed aside a lawsuit from a group of payday lenders.

CFPB rules are frequently challenged in court. A rule tocap many credit card late fees at $8is on hold due to a lawsuit in Texas.

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Why is Aditya Birla Sun Life AMC Ltd (ABSLFTSKRG) falling ✌️【Safe Investments】✌️ Expert market analysis and predictions for India, US, and European stocks. Stay updated with real-time data on stock indices, futures, and commodities to help you make informed, timely investment decisions. Trump also pushed for consumer protections during his first term, as 【 - Free Top-Rated Stock Analysis 】’s Tami Luhby reminded me. TheNo Surprises Actwas passed by Congress at the end of Trump’s term, although it took effect after Biden became president.

Why is Aditya Birla Sun Life AMC Ltd (ABSLFTSKRG) falling ✌️【Safe Investments】✌️ Free access to professional investment advisors who provide real-time market data and trend analysis. Select top-performing stocks and boost your capital with expert strategies for market growth. That law, which aimed to ban unexpected medical charges from out-of-network providers, is also an example of how something that has broad support can take years to get through Congress.

Why is Aditya Birla Sun Life AMC Ltd (ABSLFTSKRG) falling ✌️【Safe Investments】✌️ Free stock market analysis and data updates to help you select the best investment portfolio. Achieve steady growth and avoid losses with expert predictions and real-time market insights. Murray said the pro-consumer rules like eliminating junk fees and creating transparency in reviews are the kinds of things that have been a long time coming and have bipartisan support. She argued that honest businesses shouldn’t mind them because it levels the playing field in the marketplace.

“They just want to do it all fairly. They want to do it honestly. They want to do it with transparency, and if all of the bad actors are squashed and required to play by the same rules,” she said.

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