host: there was a comment about the cfpb's proposal cing from asciation, their president saying their assoc strongly opposes the proposal as any duction in late fees safe harbor will have a significant negatiact small community-based credit unions. itlearly warrants the review of a small panel and it is irresponsible to bypass the statutory regulations which was designed to calculate the impact on small entities. our credit unions going to be affected disproportionately or do they take a different approach when it comes to late fees? guest: it depends to -- on credit card late fees more than the big banks do and that's just a numbers game. they also are extending credit to subprime borrowers a lot more than bigger banks. that's also a numbers game. credit unions may have something to learn about they may get priced out of the card issuer game, but i will say this. this is your business practice to make money on the backs of low income people, and you are intentionally preying on people you know cannot pay the credit you are issuing them plus the interest plus a late fee. maybe you sho

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the tech companies argue that it will increase the legal risk asciated with algorithms used for curating online content. first, section 230c1 is limited to claims that would treat the defendant as a publisher of thirdparty content. the statute uses published in the common lse. the fourth circuit decision in henderson correctly interp the statute in that manner and concludes iolves two elements. the claim must be based on the action of the defendant in disseminating thirdparty con and the harm must arise from the content itself. second, section 231 is limit to publicof information provided by another content provider. h is often referred to as the statutory defense doesn't apply insofar as a claim is based on wordsrien by the defendant or other content createbyhe defendant. inomcircumstances, the manner in which thirdparty coent is organized or presented could convey other information from the defendant itself, as the government notes. third, section 230c1 only applies insofar as a defendant waacng as an internet computer service. most entities that are internet computer services do other