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The decision allows hundreds of positions to be eliminated at the CFPB

By James R. Hood of ConsumerAffairs
August 19, 2025

  • D.C. Circuit vacates lower court ruling that blocked mass firings at the CFPB.

  • Decision stayed pending rehearing petition, delaying dismissals for now.

  • Consumer advocates warn ruling threatens CFPBs survival and consumer protections.


A federal appeals court hasvacateda U.S. District Court decision that halted mass firings at the Consumer Financial Protection Bureau (CFPB), potentially opening the way for an eventual finding upholding the dismissals. In a 2-1decision, a three-judge panel at the U.S. Court of Appeals for the D.C. Circuit remanded the case for further proceedings.

The panel stayed its decision to allow for a petition for re-hearing by the full court, holding that the firings cannot proceed until one week after the results of the petition, which could result in further delay and potentially reverse the decision.

Todays decision is a deeply disturbing development in the ongoing campaign to shutter the CFPB, which has defended people from unscrupulous practices by credit reporting companies, Wall Street banks, and big corporations, saidLauren Saunders, director of federal advocacy at the National Consumer Law Center.

The CFPB was created after millions of people lost their jobs and homes in the Great Recession and has helped return $21 billion to 200 million consumers harmed by companies that violated the law, saidSaunders.People need the CFPB to prevent financial companies from running roughshod over families, Veterans, and older adults.

Leaves consumers exposed

Consumer advocates said that the dismantling of the CFPB left consumers without the essential protections previously provided by the agency, which has been virtually shut down since the Trump Administration took control.

"The administrations attempts to dismantle the nations only consumer financial protection watchdog will expose millions of households to excessive fees and financial predators, and increase risk to the nations financial system. We need a strong, adequately staffed CFPB to protect consumers from exploitation by financial bad actors," saidMike Calhoun, president at the Center for Responsible Lending.

Sharp dissent

In her dissent, Judge Cornelia Pillard wrote: Congress created the CFPB, assigned it important missions and powers, and subjected its decisions to the strong presumption of judicial review that applies as a matter of course to the final actions of federal agencies. It is untenable to hold that same Congress meant the agencys continued existence to be a matter of unilateral and unexplained presidential edict.

The case stems from a January lawsuit filed by the National Treasury Employees Union (NTEU), the National Consumer Law Center, the NAACP, the Virginia Poverty Law Center, the CFPB Employee Association, and Pastor Eva Steege, who had sought the agencys help with student loan forgiveness before her death in April. Her husband, Ted Steege, has since joined the case as a plaintiff.




Posted: 2025-08-19 18:01:09

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Consumer News: Part-time remote jobs with real benefits: where to look and what to expect
Sat, 21 Feb 2026 02:07:07 +0000

The industries offering real part-time perks for remote employees

By Kyle James of ConsumerAffairs
February 20, 2026
  • Focus on benefit-friendly industries. Health care, banking, utilities, higher ed, and government contractors are most likely to offer part-time remote roles with real perks.

  • Target W-2 jobs and hour minimums. Many benefits kick in at 2030 hours per week; 1099 roles rarely include coverage.

  • Compare total compensation. Health insurance and a 401(k) match can outweigh a higher hourly wage.


A growing number of employers now offer part-time remote work that include benefits, like health insurance and even retirement contributions.

But finding them takes a little strategy as most companies reserve strong benefits for full-time workers. Plus, part-time roles can vary widely in pay, stability, and other perks.

Here are the sectors where part-time remote jobs, with solid benefits, are most likely to show up and what to consider before you apply.

Health care companies

Health insurers and large health care systems are among the most consistent providers of part-time remote roles with benefits.

Companies like UnitedHealthcare and Humana frequently hire the following part-time employees:

  • Customer service representatives
  • Claims processors
  • Care coordinators
  • Telehealth support staff

And the good news is that many of these positions offer access to health insurance, 401(k) plans, and paid time offeven with part-time hours.

Health care companies often operate seven days a week and need flexible employees. This makes them a perfect fit for part-time, remote workers.

Also, another option in this field is medical billing. Many of these jobs are remote and they almost always offer benefits, especially for full-time employees. However, if you have experience, you can absolutely search sites like Indeed and find part-time work with benefits.

Pro tip: Always try to target W-2 roles, not 1099 gigs. This is especially important if health benefits matter, as W-2 positions are much more likely to offer them. Contractor 1099 roles almost never include health insurance, PTO, or retirement matching, no matter how flexible the job seems.

Higher education and online learning

Universities and education platforms increasingly rely on remote staff.

Institutions like Southern New Hampshire University and online education companies like Pearson and Khan Academy hire part-time remote academic advisors, enrollment counselors, tutors, and support staff.

Benefits often include:

  • Access to group health plans
  • Retirement contributions
  • Tuition discounts
  • Professional development funding

Education roles are especially appealing for parents, semi-retirees, and professionals looking to transition careers and want to start part-time.

Pro tip: Be sure to ask up-front about the number of weekly hours needed to get benefits. This is because many companies only unlock health insurance or retirement matching once you hit a minimum number of weekly hours (often 2030).

Government and public sector contractors

Federal, state, and local agencies increasingly use remote workers, even for part-time roles.

While not all government jobs are remote, agencies and contractors supporting groups like the IRS and Social Security Administration sometimes hire seasonal or part-time remote staff.

Public-sector jobs are more likely than private companies to offer a solid benefits package, including:

  • Retirement plans
  • Health coverage options
  • Paid leave
  • Predictable schedules

The tradeoff on government jobs is that they often have a slower hiring process.

The best way to search for these jobs is to visit USAJOBS, which is the federal governments official job board.

From there, use the Remote job filter when doing your search and be sure to include keywords like "remote," "virtual," "telework eligible," "claims specialist," and "customer service."

Pro tip: Be sure to do the math and calculate your total compensation, not just your hourly pay. For example, a $20/hour job with health insurance and a 401(k) match can be worth more than a $25/hour role with no benefits.

Also, be sure to factor in an employers retirement contribution, insurance subsidies, and even paid leave before deciding which offer is truly better.

Financial services and banking

Banks and financial institutions have expanded remote customer support as well as fraud monitoring teams that often work remotely.

Companies like American Express and Discover are known for hiring remote customer service employees. As long as you have a solid internet connection, they will train you andset you up with a laptopand the accessories that you need.

Some part-time roles include perks like health benefits, performance bonuses, and even retirement contributions.

These jobs often require a background check and prior customer service experience, but they can offer some strong long-term stability.

Nonprofits and mission-driven organizations

Large nonprofits frequently provide benefits to part-time staff, particularly those funded by grants or public money.

A great place to start is with the American Red Cross who hires remote workers (part-time), for customer care, admin support, and volunteer management roles.

Other organizations to consider include the Alzheimers Association who often hires part-time employees for their 24/7 helpline.

Benefits vary, but typically include:

  • Health coverage eligibility after a minimum number of weekly hours
  • 403(b) retirement plans
  • Generous paid leave policies

To compete with higher-paying corporate roles, these employers often offer flexibility (and better benefits) instead of bigger salaries.

Customer service and tech support roles

Some major corporations have embraced hybrid and remote models permanently.

Retailers and tech companies such as Apple and Amazon hire remote support staff, including part-time positions during peak seasons.

Roles include:

  • Customer Service Representative
  • Customer Support Associate
  • Virtual Customer Care Agent
  • Chat Support Specialist
  • Tech Support Roles
  • Technical Support Advisor

Part-time benefits can include:

  • Employee discounts
  • Limited health care access
  • Tuition assistance
  • Career advancement pathways

However, be aware that not all part-time roles qualify for full benefits, so always review eligibility requirements carefully.

Pro tip: Be sure to not overlook seasonal roles to start. Companies like Amazon often offer benefits to part-time seasonal hires who work a certain number of hours during peak periods.

Andtheres a good chance a seasonal remote role can convert into a permanent position down the road.

Utilities and energy companies

Electric, gas, water, and broadband companies are known to hire remote customer support employees as well as billing specialists. And many of these roles come with real benefits, even for part-time work.

Companies like PG&E, Duke Energy, and Comcast regularly staff remote teams for:

  • Billing support specialists
  • Payment arrangement coordinators
  • Outage support representatives
  • Energy efficiency program advisors
  • Customer retention agents

Because utilities operate year-round and are heavily regulated, they often provide more structured benefits than typical retail jobs.

Benefits often include:

  • 401(k) with company match
  • Health insurance eligibility at 2030 hours per week
  • Paid training
  • Tuition reimbursement
  • Union protections (in some cases)

The best way to find these jobs is to search directly on the companys careers page using the term remote customer care or billing specialist rather than browsing online job boards.

Many of these roles dont get heavily advertised on sites like Indeed. Also, look for positions tied to energy assistance or low-income program support, which are frequently remote.


Read More ...


Consumer News: What makes ultra-processed foods unhealthy?
Fri, 20 Feb 2026 20:07:07 +0000

They often add lots of calories without the nutrition

By Mark Huffman of ConsumerAffairs
February 20, 2026
  • Ultra-processed foods are engineered for taste and convenience, not nutrition, often packing high levels of sugar, salt, and unhealthy fats into products that are stripped of fiber and essential nutrients.

  • Industrial additives including emulsifiers, artificial sweeteners, and flavor enhancers may disrupt digestion, metabolism, and even the gut microbiome.

  • Mounting research links heavy consumption of ultra-processed foods to obesity, heart disease, diabetes, depression, and premature death.


HHS Secretary Robert Kennedys emphasis on healthy food has focused a lot of attention on so-called ultra-processed food, which makes up a significant portion of the American diet. But, what exactly is ultra-processed food, and what makes it unhealthy?

For starters, its everywhere. Walk down almost any grocery store aisle and youll find them: brightly packaged snacks, frozen meals, sugary cereals, soft drinks, and ready-to-eat meats.

These ultra-processed food products now make up more than half of the calories consumed in the typical American diet, according to some research. Theyre convenient, affordable, and engineered to taste irresistible.

Theyre also increasingly associated with serious health risks. The Mayo Clinic produced the video below explaining the problems with ultra-processed food:

What counts as ultra-processed?

The term comes from the NOVA food classification system, developed by Brazilian researchers. Ultra-processed foods are formulations made mostly or entirely from substances extracted from foods such as oils, starches, and sugars along with additives like flavorings, colorings, emulsifiers, and preservatives. They typically contain little or no whole food.

Examples include:

  • Sugary breakfast cereals

  • Packaged snack cakes and cookies

  • Hot dogs and chicken nuggets

  • Instant noodles

  • Sweetened beverages

Unlike minimally processed foods such as frozen vegetables or canned beans ultra-processed products are industrial creations designed for long shelf life and hyper-palatability.

Nutritional imbalance by design

One of the biggest concerns is nutritional quality. Ultra-processed foods tend to be high in added sugars, refined carbohydrates, sodium, and unhealthy fats, while being low in fiber, protein, and micronutrients.

Fiber, found in whole grains, fruits, and vegetables, helps regulate blood sugar, supports gut health, and promotes fullness. When foods are heavily refined, fiber is often stripped away. The result: products that digest quickly, spike blood sugar, and leave people hungry again soon after eating.

Many ultra-processed foods are also energy-dense, meaning they pack a large number of calories into small portions. This combination high calories, low satiety can promote overeating.

In a widely cited clinical trial conducted by the National Instituteof Health, participants allowed to eat as much as they wanted consumed significantly more calories and gained weight on an ultra-processed diet compared with a minimally processed diet, even though both were matched for sugar, fat, and salt. Researchers concluded that processing itself may influence how much people eat.

The additive effect

Beyond macronutrients, scientists are examining the role of food additives.

Emulsifiers, which help ingredients blend smoothly, have been shown in some animal studies to alter gut bacteria and promote inflammation. Artificial sweeteners may interfere with the bodys glucose response and appetite regulation. Flavor enhancers and texturizers are designed to create a rewarding sensory experience that encourages repeat consumption.

While many additives are approved as safe individually, researchers are increasingly asking whether long-term exposure to combinations of these substances could have unintended consequences.

Links to chronic disease

Large observational studies from the United States and Europe have found associations between higher intake of ultra-processed foods and increased risks of:

  • Obesity

  • Type 2 diabetes

  • Cardiovascular disease

  • Certain cancers

  • Depression

  • Early mortality

While these studies cannot prove cause and effect, the consistency of the findings across populations has raised alarms among public health experts.

Some researchers suspect multiple mechanisms are at play: excess calorie intake, blood sugar spikes, chronic inflammation, altered gut microbiota, and even changes in brain reward pathways.

Why theyre so hard to avoid

Ultra-processed foods are often cheaper and more accessible than fresh produce and lean proteins. They require little preparation, have long shelf lives, and are heavily marketed especially to children.

For busy families and people living in food deserts, these products can seem like the only practical option.

Public health advocates argue that addressing the issue requires more than individual willpower. It may also demand changes in food policy, marketing regulations, and agricultural subsidies.


Read More ...


Consumer News: Many common food label claims may be completely meaningless
Fri, 20 Feb 2026 20:07:07 +0000

The front-of-box words that dont mean much

By Kyle James of ConsumerAffairs
February 20, 2026
  • Natural isnt tightly defined. The Food and Drug Administration offers guidance, but theres no strict, enforceable definition and it says nothing about pesticides or processing.

  • Low and light can be misleading. Lower than what? Even legitimate claims like low sodium can hinge on unrealistically small serving sizes.

  • Feel-good words arent proof. Terms like green, sustainable, and free range often lack real oversight and may be more marketing than standard.


Most shoppers know to scan the ingredient list and avoid products with stuff you can't pronounce.

But according to Tasting Table, one of the biggest food-label red flags is often printed boldly on the front of the package but its frequently just vague, feel-good language with no clear definition.

Specifically, terms like natural, light, low sugar, green, and sustainable can create the illusion of healthy eating, without guaranteeing much of anything.

Dont assume 'natural'means regulated

The word natural sounds reassuring, but it remains loosely defined.

The Food and Drug Administration has issued guidance suggesting natural means no artificial or synthetic ingredients and no added colors.

However there is no formal, enforceable definition. As Tasting Table points out, it does not address how ingredients were grown, whether pesticides were used, or how processed the product may be.

In short, natural does not automatically mean minimally processed or chemical-free.

Question claims like 'low'and 'light'

Words such as low fat, low sugar, and light are often relative.

Lower than what? A previous version? A competitor? Some undefined benchmark?

Even when a term has a technical definition, such as low sodium, the serving sizes can be small enough to make numbers look way better than they are.

This serves as a great reminder that without context, these labels can be misleading.

Be skeptical of environmental buzzwords

Labels like green, sustainable, free range, and pasture raised may suggest higher standards, but many of these terms lack strict oversight or enforcement.

In actuality, they can signal positive practices, or simply be smart marketing ploys.

Look for certifications with real standards

Not all labels are created equal.

For example, any products marked organic must meet federal requirements. Also, third-party certifications like Fair Trade Certified, overseen by Fair Trade USA, involve defined criteria and a verification process that you can rely on.

When a product carries independent certification, theres at least a measurable standard behind the claim.

The bottom line

I love the way Tasting Table sums it up by saying, Does a company care enough to prove the claims it's making, or does it just want you to swallow what it's selling?

So, the next time you see packaging with the words light or sustainable plastered on the front, its up to us to figure out what that means. Unfortunately, this makes eating a healthier diet a more time-consuming activity when standing in the grocery aisle.


Read More ...


Consumer News: Could nicotine pouches be a less harmful alternative for smokers?
Fri, 20 Feb 2026 20:07:07 +0000

New national data suggest pouch use is low overall but more common among people quitting cigarettes or vapes

By Kristen Dalli of ConsumerAffairs
February 20, 2026

  • New research offers the first national estimates of nicotine pouch use in U.S. adults.

  • Pouch use remains rare overall but is most common among adults who recently quit smoking or vaping.

  • Very few people who never used tobacco products report using pouches.


Nicotine pouches small, tobacco-free pouches that users place between their lip and gum have been selling more rapidly as traditional cigarette smoking declines.

Because they deliver nicotine without burning tobacco or producing smoke, some scientists and regulators are watching closely to see whether they could serve as a less harmful alternative for people who already use tobacco products.

In early 2025, the U.S. Food and Drug Administration cleared the first nicotine pouch products for marketing, though theyre not officially approved as quit-smoking aids like patches or gum. That regulatory shift makes understanding who uses pouches and how is more important than ever.

As nicotine pouches gain increased attention in the U.S., many agree that we need to better understand who is using these products and how, researcher Mary Hrywna said in a news release. This study offers a snapshot of use patterns that is informative and, at least for now, somewhat reassuring.

How the Rutgers study worked

A team led by researchers at Rutgers University analyzed data from the U.S. Census Bureaus 2022-2023 Tobacco Use Supplement to the Current Population Survey a massive household survey of more than 110,000 adults.

Participants answered questions about whether they had ever tried nicotine pouches, whether they were current users, and how often they used them (including daily use). The team also looked at peoples history with other nicotine products like cigarettes, e-cigarettes, and smokeless tobacco to see how use patterns differed across groups.

To make sure the results reflect the U.S. population, the researchers applied statistical techniques that account for how the survey was collected, and analyzed differences by age, gender, region, and racial or ethnic group.

The results

Overall, nicotine pouch use among U.S. adults was quite low:

  • About 2.65% had ever used pouches

  • 0.42% were current users, and

  • Only 0.18% used them daily.

Use was much more common among people with a history of tobacco use especially those who had recently quit cigarettes or other nicotine products. In fact, adults who quit smoking within two to three years of the survey were significantly more likely to be daily pouch users compared with people who never used tobacco.

Men and non-Hispanic White adults also had higher rates of use, while people who never used tobacco products (often called tobacco-nave) were almost never pouch users.

The studys design means it cant prove that pouches cause people to quit cigarettes, but the patterns suggest many users may be turning to them after quitting or reducing smoking or vaping.

People who have never used tobacco products should not suddenly be using nicotine pouches, researcher Cristine Delnevo said in a news release. But for people who smoke or use other nicotine products and dont want to stop using nicotine, switching completely from the more harmful product and moving down the risk continuum with nicotine pouches is likely good for public health.


Read More ...


Consumer News: Glass found in Trader Joe’s chicken fried rice triggers nationwide recall
Fri, 20 Feb 2026 20:07:07 +0000

What shoppers need to check in their freezers and why the USDA says dont eat it

By Kristen Dalli of ConsumerAffairs
February 20, 2026

  • Over 3.3 million pounds of frozen chicken fried rice have been voluntarily recalled because they might contain pieces of glass.

  • The recall affects Trader Joes Chicken Fried Rice sold across the U.S. (plus a related product in Canada) and consumers are urged not to eat it.

  • No injuries have been confirmed yet, but anyone who finds the product should discard it or return it for a refund.


Heres something every Trader Joes fan needs to hear: a massive recall has been issued for certain frozen chicken fried rice products sold under the Trader Joes label because they may contain pieces of glass.

The recall was announced by Ajinomoto Foods North America, Inc., the Portland, Oregon-based company that manufactures the rice, and is being overseen by the U.S. Department of Agricultures Food Safety and Inspection Service (FSIS).

What triggered the recall wasnt a routine check but consumer complaints: the manufacturer was notified of four separate incidents where people found glass fragments in the rice. The good news is that no injuries have been confirmed so far.

The FSIS and the company are taking this seriously. Because these products were distributed nationwide in the U.S., some might still be sitting in freezers at home or tucked away in the back of a grocery stores freezer case.

Products involved in the recall

In total, about 3.37 million pounds of product are part of this action, and Trader Joes-brand products have taken center stage.

Heres a look at the products involved in the recall:

  • 20-oz. (1 lb. 4 oz.) plastic bag packages containing frozen TRADER JOES Chicken Fried Rice with stir fried rice, vegetables, seasoned dark chicken meat and eggs with BEST BY dates 9/8/2026 through 11/17/2026.

  • 1.53-kg. cardboard packages containing 6 bags of frozen AJINOMOTO YAKITORI CHICKEN WITH JAPANESE-STYLE FRIED RICE with BEST BEFORE/MEILLEUR AVANT dates 26 SE 09 through 26 NO 12.

As a note, the Ajinmoto chicken fried rice packages were shipped only to Canada, and U.S. consumers wouldnt have seen those on store shelves.

What you should do

Heres the bottom line for shoppers:

  • Check your freezer. If you bought Trader Joes Chicken Fried Rice with any of the affected best-by dates, dont eat it.

  • Toss it or return it. Dispose of the bag safely or take it back to the place of purchase for a refund.

  • No injuries yet, but stay alert. If you think you or someone else might have eaten something with glass and feel unwell, reach out to a health care provider.

The FSIS has resources and contact info on its website, and Ajinomoto Foods North Americas Consumer Affairs team can help with refund or recall questions too.


Read More ...


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