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On September 17, 2024, the Federal Deposit Insurance Corporation (FDIC) proposed extensive new recordkeeping requirements and other compliance obligations (the “Proposal” ) for certain types of deposit accounts frequently used by banking-as-a-service (BaaS) platforms and other bank-fintech partnerships. The Proposal focuses on “pass-through” deposit insurance, where the end customer of a fintech (or other custodial party, such as a broker-dealer) is fully insured (up to the $250,000 maximum) as if the end customer were a depositor of the bank, notwithstanding the funds being held in a pooled account established by or for the fintech. The Proposal would have significant effects…

MURFREESBORO, Tenn. – Middle Tennessee State University’s Consumer Research Bureau takes an in-depth look at the state’s housing and real estate market from the perspective of buyers, sellers, and homeowners. The first edition of the firm’s Tennessee Housing Market Report found that while the median home sales price in Tennessee is down nearly 4% from June’s high of $401,000, “The median sales price still feels expensive given the 44% increase since then.” 6% in 2021 and 6% over the past year,” said report author Michael Peasley, office director and associate professor of marketing in the Jones College of Business. “With…

Attorney General Merrick Garland said at a press conference that TD Bank will pay approximately $3 billion in settlements after authorities alleged the financial institution’s lax practices allowed significant money laundering. The announcement was made Thursday, Oct. 1, at the Department of Justice. Washington, 10th 2024. (AP Photo/Mark Schiefelbein)Copyright 2023 Associated Press. Unauthorized reproduction is prohibited. TD Bank recently pleaded guilty to both civil and criminal charges, including conspiracy to violate the Bank Secrecy Act in connection with money laundering. As a condition of the settlement, TD Bank will pay a criminal penalty of $1.8 billion, which, when added to…

The Oxbow Public Market has plenty of specials and events throughout October, including C Casa’s $5 kids meals every Wednesday. With the purchase of an adult entree, children can select a $5 dish from the kids menu. Bar Lucia is launching a limited-time pumpkin pie martini for $18, and Moro’s much-anticipated vanilla soft serve is complemented by local Oxbow flavors such as Olive Press Olive Oil and Annette’s Chocolate Chardonnay Brittle. With the addition of toppings sourced from popular restaurants, each drink is now available for $8. Live Fire Pizza’s fall seasonal pie combines pear, blue cheese, smoked mozzarella, spinach,…

With pressures like climate change, land loss, and rising input costs, supporting grassroots farmers and ranchers is a no-brainer. These people face the realities of managing ecosystems and ensuring food security every day, but they are often the ones who struggle the most to access the resources they need to sustain and grow their businesses. is. Marginalized farmers, including BIPOC, veterans, LGBTQIA+, and new farmers, are disproportionately impacted by institutional barriers that make it difficult to maintain and deepen their relationship to the land. As encroaching development and other issues threaten farmland, it is in our best interest to put…

Click here for a complete list of election recommendations. Property tax bills were deadly until voters overwhelmingly passed Proposition 13 in 1978. Howard Jarvis, the namesake of the Taxpayers Association he founded, witnessed a woman suffer a heart attack at County Hall after being told she would have to pay higher new property taxes to keep her home. did. We’ll explain how property taxes were calculated before Proposition 13, but if you have a pacemaker, stop reading now. Property taxes were assessed based on the market value of the property, and the average rate across the state was 2.67%. Now…

Hurricane Milton left a trail of destruction across Tampa Bay and caused significant damage to homes and businesses throughout Central Florida. As communities begin to recover, Veterans National Property Services (VNPS) (https://vnpsroofing.com/) is mobilizing to assist with rapid roof repairs and replacements.The Category 3 storm made landfall near Siesta Key, bringing winds of up to 190 mph and more than 16 inches of rain to St. Petersburg. The impact on local infrastructure was severe, with Tropicana Field, home of the Tampa Bay Rays, suffering extensive damage to its fabric roof.”As a veteran-owned business, we understand the importance of responding quickly…

It was a very early morning drive to work. “It was going at a normal speed, about 65 to 75 miles per hour,” said Mike Spragley, a San Diego resident. “It was very foggy that morning and visibility was poor, and there was a Target shopping cart between the first and second passing lanes.” Spragley crashed into the cart. “It literally came out of nowhere,” Spragley said. “The cart literally exploded with chunks of debris flying everywhere.” The California Highway Patrol told him a report came in just three minutes before it hit the cart, leaving $6,000 worth of damage…

Written by Dr. James Royal Bankrate.com The 2024 election is right around the corner, and it’s been one of the most contentious campaign seasons in recent memory. For retirees, the outcome of the election has several implications, particularly the looming Social Security shortfall that could lead to significant reductions in benefits. Whoever is elected this year could help determine how programs are funded and whether and by how much benefits are cut. But Social Security is just one of several issues that affect retirement planning. “The 2024 election is going to be a big one for retirees,” said Brandon Ashton,…

Your support helps us tell the storyread moreMost polls show this election remains close. In a race this close, reporters are needed on the ground to talk to the people Trump and Harris are courting. Your support allows us to keep sending journalists to this story.The Independent is trusted every month by 27 million Americans from across the political spectrum. Unlike many other quality news organizations, we don’t lock you away from our reporting or analysis with a paywall. But quality journalism must still be paid for.Please help us continue to bring these important stories to light. Your support makes…