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Set in the tumultuous period of the late Ming Dynasty, the film follows the story of a legendary martial arts master who must navigate through political intrigue and deadly conflicts to protect his homeland. Filled with intense battle scenes, intricate fight choreography, and a compelling storyline, "Ming Dynasty" promises to immerse viewers in a world of ancient warriors and fierce warriors.One of the key reasons why the coaching staff at Real Madrid believe Asensio is the best shooter in the team is his remarkable shot accuracy. Whether it's from long range or in a crowded penalty area, Asensio has a knack for finding the target with pinpoint precision. His ability to place the ball exactly where he wants it to go has earned him a reputation as one of the most clinical finishers in the game today.
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Percentages: FG .444, FT .864. 3-Point Goals: 7-24, .292 (Lowe 4-7, Austin 1-4, Cummings 1-5, Leggett 1-5, Corhen 0-1, G.Diaz Graham 0-2). Team Rebounds: 4. Team Turnovers: 1. Blocked Shots: 6 (G.Diaz Graham 4, Corhen, Leggett). Turnovers: 12 (Lowe 4, Leggett 3, Dunn 2, Austin, Corhen, Cummings). Steals: 10 (Leggett 5, Lowe 3, Austin, Cummings). Technical Fouls: Lowe, 00:04 first. Percentages: FG .373, FT .700. 3-Point Goals: 5-21, .238 (V.Miller 2-3, Fountain 1-1, Reed 1-1, Sears 1-4, Collins 0-1, R.Miller 0-1, Givens 0-2, Bailey 0-3, Carter 0-5). Team Rebounds: 5. Team Turnovers: None. Blocked Shots: 1 (Reed). Turnovers: 15 (Sears 6, Carter 2, Givens 2, V.Miller 2, Bailey, Chest, Fountain). Steals: 5 (Bailey 2, Sears 2, V.Miller). Technical Fouls: Carter, 5:01 second. A_1,112 (2,000).
Recently, a series of alarming incidents have been reported in Zhengzhou, where multiple individuals have experienced dizziness and disorientation after visiting bathhouses in the city. The authorities have raised concerns about a potential case of carbon monoxide poisoning, which has sparked fears and prompted investigations into the issue.
Seattle Seahawks receiver is DK Metcalf is just fine when he doesn't have the the ball because it means he gets to showcase his blocking skills. “I just look at it as a sign of respect that I’ve gained from other defensive coordinators and just continue to do my job with it as blocking or being a decoy,” the two-time Pro Bowler said. While opposing defenses have keyed in on Metcalf, other aspects of Seattle's offense have surfaced during its four-game winning streak. The run has the Seahawks (8-5) sitting atop the NFC West heading into Sunday night's game against the visiting Green Bay Packers (9-4). Geno Smith's new top target is second-year receiver Jaxon Smith-Njigba, who needs 89 receiving yards for his first career 1,000-yard season. Smith-Njigba has 75 catches for 911 yards and five touchdowns, while Metcalf, often dealing with double coverage, has 54 catches for 812 yards and two scores. Metcalf says he feels the pride of a “proud parent or a big brother” when it comes to Smith-Njigba's success. Seattle's offense also got a boost from the ground game in a 30-18 victory over the Arizona Cardinals last weekend . Zach Charbonnet, filling in for the injured Kenneth Walker III, ran for a career-best 134 yards and two touchdowns. The Seahawks face another hot team in the Packers (9-4), who have won seven of nine. Green Bay's two losses over that stretch have come against NFC-best Detroit (12-1), including a 34-31 victory by the Lions on Dec. 5, which means the NFC North title is likely out of reach for the Packers. The Packers are well-positioned for a playoff berth, but that almost certainly won't come this weekend. They would need a win, a loss or tie by the Atlanta Falcons and a tie between the Los Angeles Rams and San Francisco 49ers. Metcalf, who learned to block from his father, former Chicago Bears offensive lineman Terrence Metcalf, says he tries to take blocking seriously to set himself apart from other receivers. His priorities are simple when he's getting double-teamed and the ball goes elsewhere. “Trying to block my (butt) off and trying to get pancakes on defensive backs,” he said. When the Packers surged their way into the playoffs last season, quarterback Jordan Love was a major reason why. He had 18 touchdown passes and one interception during Green Bay's final eight games. During the last four games of this season, Love ranks third in the NFL with a 118.9 passer rating with six touchdowns, one interception and a league-best 10.3 yards per attempt. “I always feel like I can put the ball where I want to — and that’s part of it, too, having that confidence to be able to throw those passes,” Love said. “There’s always like I said a handful of plays that might not come off or be in the exact spot that you wanted it to or the throw might be a little bit off. So, that’s where you’ve just got to try to be at your best every play, be consistent and accurate as possible.” Green Bay’s pass defense has been picked apart the last two weeks. First, it was torched by Tua Tagovailoa and the Dolphins in a Packers win. Next, it allowed Jared Goff to complete his final 13 passes as the Lions rallied to victory. It won’t get any easier this week. Smith is second in the NFL in attempts, completions and passing yards and is fifth in completion percentage. “It’s been a remarkable turnaround for him in terms of just where he started,” Packers coach Matt LaFleur said. “It’s not always where you start, but where you finish. And it tells me a lot about the person in terms of his resiliency and ability to fight through some adversity. He’s a dangerous quarterback.” The potential return of former All-Pro cornerback Jaire Alexander (knee) could help the Packers. Will the Packers break out their head-to-toe white uniforms? The last time Green Bay wore the winter white look was in a 24-22 win over Houston in October. The Packers asked fans to weigh in on social media . As for the Seahawks, they'll be sporting their “Action Green” uniforms. Metcalf is a fan. “I would say this about the Action Green, I love them personally in my opinion, but the big guys hate them. I don’t know why, don’t ask me," he said. “Hopefully, the Packers wear all white, so it’ll be a fun-looking game.” AP NFL: https://apnews.com/hub/nfl
Wall Street analysts rerated Gap, Inc GAP after the company reported upbeat third-quarter print Thursday. The company reported sales of $3.829 billion, beating analyst consensus of $3.812 billion. Earnings per share of 72 cents topped analyst estimates of 57 cents. Also Read: Amazon Strengthens Anthropic Partnership with $8 Billion AI Investment It now expects fiscal 2024 revenue of $15.124 billion – $15.198 billion, above the consensus of $14.956 billion. BMO Capital analyst Simeon Siegel maintained Gap with a Market Perform and raised the price target from $23 to $25 . Telsey Advisory Group analyst Dana Telsey reiterated Gap with a Market Perform and a $26 price target. BofA Securities analyst Lorraine Hutchinson maintained Gap with a Neutral and raised the price target from $25 to $28. Guggenheim analyst Robert Drbul reiterated a Buy rating on Gap with a price target of $35. BMO Capital: Gap reported third-quarter EPS that significantly exceeded expectations, with sales slightly surpassing estimates. Key drivers included robust gross margin improvement, supported by more substantial merchandise margins and ROD leverage. Banana Republic, Gap, and Athleta exceeded expectations, while Old Navy met projections despite weather-related challenges. Management highlighted market share gains across all brands and raised its guidance for full-year sales, gross margin, and EBIT growth. Old Navy sales were flat year-over-year, marking a moderation from prior quarters but maintaining momentum. Unseasonably warm weather impacted the performance of children’s apparel, but sales rebounded as weather patterns normalized. Gap Brand delivered its fourth consecutive quarter of positive comparable sales, growing 3% year-over-year, driven by strong product and marketing execution. Banana Republic experienced 2% year-over-year growth, with continued emphasis on improving fundamentals and success in the men’s category. Athleta achieved its most robust growth in two years, with sales increasing 4% year-over-year. New product launches and marketing resonated with customers, driving share gains. Gap’s gross margin reached 42.7%, exceeding the Street’s 42.1% estimate, with a 140-basis-point year-over-year expansion. 90-basis-point merchandise margin growth and operating leverage were key contributors. However, fourth-quarter gross margins are expected to remain flat when adjusted for ROD deleverage from calendar shifts. Telsey Advisory Group: Telsey provided a detailed assessment of Gap following its third-quarter earnings report. The company exceeded expectations across multiple metrics, reflecting strong operational discipline under its new leadership. Gap has demonstrated clear progress under its strategic focus on operational discipline, inventory efficiency, and brand portfolio growth. However, the analyst cautions that sustained consistency in performance and long-term profitability will be critical for investor confidence. The positive momentum in sales and profitability efforts suggests Gap is stabilizing its business and positioning itself for future growth. The price target is based on an 11.5x multiple of the two-year forward EPS estimate of $2.26. While this valuation is slightly below Gap’s historical average of 13.1x, it reflects the company’s ongoing challenges in a competitive retail environment. BofA Securities: Hutchinson highlighted its sales and margin performance while cautioning about future margin expansion. Gap delivered adjusted EPS of $0.72, outperforming Hutchinson’s estimate of $0.54 and the consensus projection of $0.57. The beat was supported by 1.6% sales growth, gross margin improvement, and effective SG&A management. Comps were positive at Athleta (+5%) and Gap (+3%). Management raised its fiscal 2024 guidance, reflecting the third-quarter outperformance. Hutchinson raised fiscal 2024 and fiscal 2025 EPS estimates by 9% and 5%, respectively, projecting $1.97 and $1.99. The analyst increased the price target to $28, based on a 6x 2025 estimated EV/EBITDA. Management raised its fiscal 2024 guidance for sales, gross margin, and operating income. Hutchinson expects gross margin to improve by 350 basis points compared to 2019, driven by reduced promotions and more vital full-price selling. However, Hutchinson highlighted that while Gap has achieved significant cost savings, management may prioritize reinvesting efficiencies into growth initiatives and inflation offsets rather than improving the bottom line. Hutchinson’s price target of $28 reflects a 6x 2025 estimated EV/EBITDA, consistent with peer averages. This valuation balances risks tied to Gap’s exposure to low-income consumers and freight costs against its turnaround potential and Athleta’s relatively more robust performance. While Hutchinson acknowledges the company’s improved sales trajectory, remains cautious on further margin growth. Guggenheim: Drbul highlighted the company’s earnings beat, strategic progress, and upwardly revised guidance. The quarter marked the company’s fourth consecutive quarter of top-line growth and seventh quarter of market share gains. Drbul values Gap at 15.2x 2025 EPS, a premium to its five-year average multiple of 12.5x, reflecting confidence in ongoing operational improvements and growth potential. He highlighted the strength of the Old Navy and Athleta brands as critical drivers, particularly noting Athleta’s position in an attractive apparel segment. With a ~3% dividend yield, Drbul views Gap shares as offering a compelling risk-reward profile supported by significant asset value and strategic optionality. Drbul’s price target underscores optimism about Gap’s ability to sustain its momentum, deliver margin expansion, and execute its reinvigoration initiatives successfully. Price Action: GAP stock is up 11.2% at $24.51 at last check Friday. Also Read: Snap Denies Child Exploitation Allegations, Wants Lawsuit Dismissed © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
2. Sergio Busquets:Cornerstone Christian Academy, a Sugar Land-based Christian school, announced it will welcome its inaugural freshman class in 2025. The science, technology, engineering and math-focused school previously served preschool through eighth grade, but is expanding its student base to high school with a freshman class beginning in fall 2025, according to a Dec. 2 news release. The details Cornerstone Christian Academy, the only STEM-certified school in Fort Bend County, opened in 2003 and is located at 2140 First Colony Blvd., Sugar Land. The school will use its existing campus to accommodate the new freshman class, Julee Chang, director of advancement, marketing and communications for Cornerstone Christian Academy, said in an email. The campus will also welcome Joshua Gettys as its new high school principal, according to the release. "We are honored to have Mr. Gettys join the Cornerstone Christian Academy family," Head of School Eric Nicholie said in the release. "His extensive experience, passion for Christian education, relational capacity and dedication to fostering a culture of excellence make him an exceptional leader for our high school program." What else School officials also announced a new $315,000 playground, which opened Nov. 18. The new playground features equipment designed to enhance physical activities in kids, according to the release. Chang said the playground is for preschool through elementary school and is already being enjoyed by students.Sergio Aguero: Out Injured for Several Months, Braithwaite and Dembele Absent Against Barcelona
The journey from soaring heights to rock bottom was a painful one, filled with lessons learned and mistakes made. But it was also a journey of redemption and renewal, a chance for Booker to rediscover himself and emerge stronger than ever before.WASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Respond: Write a letter to the editor | Write a guest opinion Subscribe to stay connected to Tucson. 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