and 2nd of all, the elements i mentioned lensky as a proposed order was approved increase or credit union and industries ago. and they are relying on and that's your supply. and if that isn't interrupted or this plan cannot be phone trip. and alex, what kind of impact do you think these attacks have on the civilian population and infrastructure in our case, to what i think the situation is quite dire. and i would also build on. but i was going to said that the problem is of cost of now, um that, uh, the trainings don't have enough ammunition. so for the defense systems, the problem of cost is that they have to choose, what do they want to defend. and if the russians by hitting the energy infrastructure, the problem is it's sort of a vicious cycle. so, so the, the energy interest factors being destroyed and they can't produce the arms that they need and with that of caustic cons prospect, the russians. and if the rest are pushed back, the attacks will only increase. um, so this is really the problem here. so pushes them into a place where they're having to make very difficult decisions abo

and one local credit union in the north bay is leading that charge.edit union is using an innovative approach, hosting a hands on financial simulation for teens and young adults to experience managing real world finances, joining us now is kevin miller, who is the ceo of travis credit union. kevin good to have you with us. >> thanks for a pleasure to be here with you. >> all right. well, my guess is you can't start too early teaching fiscal responsibility, right? >> we would 100% agree, i guess so. >> well, this sounds like a terrific program and a little bit fun for the teachers. the kids, probably their parents, too. tell us how the simulation works at the seventh solano county schools and how old are these kids? >> sure, they're generally in high school. so typically 13 and above. when they go through the program, though, we do make exceptions, and one of the big challenges i think each one of us faces when it comes to financial education is it's typically kind of perceived as boring. and so what we've done is turned it into an interactive kind of

the american first credit union wa s first called the first douglas civilian employees credit union, ckly changed to the federal employees credit unionai 1947, no protest. and now it has its current namge from 1984, at which time it went on its shirts of these women who are lucky enough to have a bank sponsoring up inp your to your point, it's not easy for soccesr to get a majoro rating sponsor. that's a lot of money. so what ist of america mean? it's not just about trump in work to keep out of world war two. --s a group called americawanted first who wanted to not be in world war ii. that doesn't seem liket a thing. it seems like a point of view. the same e same t thing in 1920 16 with donald trump. so it's an insult. >> here's the bad part. i think what i think soccer's going to cave. yeah, got to see the d>> grec defenders are actually upset about this and i sense they're going to cav e well, - and they always seem to give it a very woke organization. >> you could have just skippedgc all that and said that. and i want to givet people some depth. but brian, this is mormon socceriv.

neck credit unions -- but america first is not a symbol of white supremacy in -- no doubt related touse the phrase in the 2016 presidential campaign. by saying the words they don't like the words america has any contact the soccer fans surely thinking if you too many balls to the cra cranium. let's just hope consultants was adjust the team get a more appropriate and less inflammatory sponsor. [laughter] i'm all for that. all right brian. you always want us to do a soccer topic when you're on. but the soccer topics are never about soccer, are there? is always anything about soccer. >> taking any during the national anthem -- >> greg: why is soccer always involved in these contentious stories? >> number 1 is the number 1 sport in a row. you don't seem to acknowledge that -- >> greg: what world? >> the earth, the one that was a close by the moon a short time ago. it seems like yesterday but it was actually today. have to give you a gift -- brief history. >> greg: no b1 americann first credit union was first called the dog -- they quickly changed in a federal employees for the unit in --

i don't know to be this, not everyone is going to be responsible citizen and i'm for a credit union. i don't want to condemn people who don't take on the more active part to defend the country for mission aggression thing though, which is the, everyone makes their own choices in life. ers, here, when are you familiar with someone who really but russia is intensifying, it's at campaign and this means that these judges terms, drone hunters may be spending most of that time monitoring the night sky eva keys. dwanda is mocking 30 years since it's genocide. one more than 800000 people, limited political and community leaders gathered with survivors in kigali kings were led by malicious from rwanda's majority, ethnic hutus against the minority tootsie population present pocket. gummy said the genocide must serve as a lesson against ethnic hatred. one does credit is on the process of the division unexplained msm which leads to genocide con happened. and what if left under our people we're never and they may never be left for dead again. that's rhonda is president polk. i'm a looking back at

i don't know to be this, not everyone is going to be responsible citizens and i'm for a credit union. i don't want to condemn people who don't take on the more active part to defend the country. commission aggression thing though, which is the, everyone makes their own choices in life right here, only as low as soon as it gets to review, but russia is intensifying. it's at campaign and this means that these judges terms, drug hunters may be spending more of that time monitoring the night sky a, the keys tens of millions of people in north america are hoping for clear skies on monday as they wait for a rare total solar eclipse for more than 4 minutes the moon shadow will block the light from the sun over parts of mexico. the us and canada spectators have been flocking to areas along the path of the eclipse to experience the phenomena. style gazes in dallas a full of anticipation that preparing for total solar eclipse and then not less impossible. cloud cover, get them down in texas were the 1st major area that's going to be able to say something again, it won't be ideal. so we'll get t

ready proposed and order was approved increase or credit union and industries ago and they are relying on and that's your supply. and if that isn't interrupted or this plan cannot be phone trip. and alex, what kind of impact do you think these attacks have on the civilian population and infrastructure in our case, to what i think the situation is quite dire. and i would also build on. but i was going to said that the problem is of cost of now, um that the, the trainings don't have enough ammunition for their defense systems. the problem of cost is that they have to choose, what do they want to defend. and if the russians by hitting the energy infrastructure, the problem is it's sort of a vicious cycle. so the energy interest factors being destroyed and they can't produce the arms that they need. and with that, of course, they can't push back the russians. and if the rest of it, i suspect the tax would only increase. um, so this is really the problem here. so it pushes them into a place where they're having to make very difficult decisions about what you're prioritized. let's come back

scale of what you on the yeah for the most of them, you know, as soon as i can reach out to the credit union has spent that no, they didn't yet we're on a posted anywhere on the best number to get you through and then sort of compare them to to and then it goes to but you only see what a coupla told me to waste. oh shit. and you know, there are no rules. it didn't, it was just it hit with the heel system showing a serial number from you to somebody. there are lots of little bit of sick load here at the facility mirror. just the image stick. what you on the stiffness control the computer. is this why you wouldn't even ask, of course question in the village, and i'm going to put you into your mind this a bit. but it's got some to really get the money on the day of the one year. the is a very low level of interest for, well, she was a senior shelves village as well. you know, sort of vegetables what you but the don't speak and see down. so you can just commit to this. me get rid of companies that need seem to know stuff if we as a set speed it even is. but i'm what you mean as i say, the name a

credit unions and community banks. and of course, we did other analysis, maybe an extra $25 billion of interest that people are paying even when you look at the rate increases across the market, we found that credit card companies have increased interest rates way more than the fed increased interest rates. so the amount of profit from that is almost -- the margin is one of the highest since we have been tracking it. this begs the question for us, and a lot of times with these mergers, they say this is going to allow us to pass through lower rates to everybody and i just want us to be able to see it and i think often it is hard to see when there are fewer people in play or when they create barriers to switching, making it tough to switch your bank account, credit card or others. we are trying to think about how do we create competition that is a race to the top, not the bottom in terms of predatory practices. jesse: not only has there not been public benefit, in some cases it has been a public harm in consolidation. ad

i don't know to be this, not everyone is going to be responsible citizen and i'm for a credit union. i don't want to condemn people who don't take on the more active part to defend the country for mission aggression. thing though, which is, do you everyone makes their own choices in life? ers, here, when are you familiar with someone who used to be but russia is intensifying, it's at campaign. and this means that these judges terms, drone hunters may be spending most of that time monitoring the night sky eva keys. at least $9.00 and $4.00 people have died after a boat capsized off the coast of mozambique. local authorities say more than 20 others are still missing. officials said the fishing vessel was headed from luna to mozambique island when it sank. local media set, the boat was being used as a mix of ferry. many on board were reportedly trying to flee a colorado outbreak on the mainland. let's bring in diane hawker, our south africa correspondent, and diane. this has said to have been an unlicensed ferryboat. wine that have capsized, what do we know? well initial information com

not everyone is going to be responsible citizen, and i'm for a credit union. i don't want to condemn people who don't take on a more active part to defend a country for mission aggression, even though just the everyone makes their own choices in life. ers here, one, are you familiar with someone for q 3 b, but russia is intensifying? it's that campaign and this means that these judges terms, jo, hunters may be spending more of that time monitoring the night sky. eva keys the well, if you're watching us on p b. s, then you are going to know what i'm talking about. parts of north america has experienced a total solar eclipse, the new crossed paths with the sun, causing of what is known as a path of to towel. the shadow which has been traveling from the west coast of mexico up through the central and eastern united states, north west pass newfoundland, 10 millions of people all across north america. have been following this speak check dealer natural phenomena including keith cowan, who is editor at nasa. watch, he joins me now from washington. he's been making t

but what's the soonest, a quick chat, the credit union has spent, i know they're doing it, we're on a posted anywhere on the best number to get you through and then sort of compare them, go to and then it goes to mature, to see what's available for me to waste. oh shit. and yeah, there are no rules that bring it, it will just it hit with the he'll, she's still showing that she will hear from you to somebody. there are lots of little bit of sticks load here at the facility or just any minute. stick with you on this, tiffany. and just to put you on the computer, is this all you want us to go 1st question, any of the put him into your mind this a bit. but discuss until next vermani on the day of the one year the label the label sounds reasonable, she was the use of the legit as well you know sort of vegetables what you but the don't speak and sit down so you can just commit to this me get the companies that i knew. so you didn't look stuff if we said speed, it even is. but i'm what you, me, they say the name and get it. the one that you sent that he put his indian sup with this all start

but if it was them, you know, it seems check what a chapter about a credit union has spent, i know they didn't yet were on the police, did anyone on the business or do you throw in any sort of computer won't go to and then it goes to show it seems like a cool pull told me to waste. oh shit. and yeah, there was no rosalie, it didn't, it was just it here with a hill. she still showing that she wasn't here when you to get somebody. there are lots of little bit of 6 load here at the facility or just any mystical shortly. stiffness control. and a couple of it is a thought you weren't given a school by suggestion in the village and i'm going to put you into your mind this a bit when discussing to really get the money you gave the one year for the labor is the level of interest and for what she was the use of the legit as well you know sort of vegetables. what happens, what else can see down? so you can just commit to this, me get rid of companies. i knew so you didn't look stuff if we said speed, it even is. but i'm watching these, they say the name and get it. the one that you sent the polic

i actually bought a building this new young bought new, federal credit union law in the time of this act floor of the terror company that ministry is actually launching and guess, i guess the, so i'm not worried, even though there is a time that people need to actually come together in this nation building process, but the chest that they are getting. this is the most important thing that the i actually work into pens and has in the much stronger coordination that, that you will see in the last 2 years. for example, nicholas bottles all around the edges all around the borders, which is very worrying for anyone who's trying to control a country as the june to all. i want assumes these rebel forces. now try to move to the center, move to the open areas. tell us why the minute treat on doing better here because they have more fall apart. they, they have more homes, they have superior artillery. they have a dominance while they currently losing. but i think one of the key issue these troops, morales, i think that the, the morality in the army is, um, you know, very, very shaky because th

i don't know to be this, not everyone is going to be responsible citizen and i'm for a credit union. i don't want to condemn people who don't take on the more active part to defend the country commission aggression, even though just the everyone makes their own choices in life. ers, here, when they have the 200 to 3 b, but russia is intensifying, it's at campaign, and this means that these judges terms, drone hunters may be spending most of that time monitoring the night sky. eva keys are here. other headlines were around the world. this hour from where you as president donald trump is announced his stance onto this a motion, right? saying that they should be left to individual states to the saw. why should or perhaps the previously suggested that it might support a nationwide, there reproductive rights have been one of the most contentious issues in the lead up to new members. presidential election, us actor jonathan majors has avoided present time after being convicted of assaulting his ex girlfriend. the judge ordered majors to attend domestic violence counseling for a year and to

the credit union has spent the day and yet we're on a place to their new we're a little bit longer to get you through and then sort of compare them, go to and then it goes to maturity. assembled, a coupla told me to waste oh shit. and yeah, there was, oh yeah, it was just it hit with the hill. she's still showing that she will hear from you to somebody. there are lots of little bit of sticks load here at the facility or just any minute. stick with you on this, tiffany. and just to put you on the computer, is this all you want us to go? first question in the put him into your mind this a bit. when discussing to you really get the money you gave the one year the is the level of interest and if it was she was the use of the legit as we used to sort of decimal for people who don't speak and sit down. so it gets to get to this, we get the companies that need to see the next step. if we, as a said, be leaving is that i'm watching these, we should the name and get it. the one that you sent, the police indians the shot. but this will start and it goes all still, i mean it could keep it a litt

i don't know to be this, not everyone is going to be responsible citizen and i'm for a credit union. definitely, i don't want to condemn people who don't take on the more active part to defend the country commission aggression, even though just the, everyone makes their own choices in life right here. only as low as soon as it gets to review, but russia is intensifying. it's at campaign and this means that these judges terms, drone hunters may be spending most of that time monitoring the night sky eva keys to bangladesh. now the country is the world's 2nd largest manufacturer of clothing after china with an 80 percent of it is exported to europe and the united states, but orders from western markets are down and the country is also going through an economic crisis that is heavily impacting. it's most important export industry. he's able to use now heat on juwan has this report. okay, a big room is a government worker and bond with dish, but she has most a job on the final pay was we had for 3 months after the economic recession caused to shut down of the factory where she worked. the

i don't know what's them, you know, as soon as i can reach out to a credit union has spent, i know they're doing it, we're on the police, did anyone know dismembered to go to the throne and sort of compare them, go to and then it goes to that you only see what a cool bluetooth waste. oh shit. and yeah, there was, oh so yeah, i mean, it was just it what they usually assume showing a serial number from you to somebody. there are lots of little bit of sticks load here at the facility or just any mystical showing the stiffness can put you on the computer. is this why you wouldn't even ask, of course question in the village, and i'm going to put you into your mind. yes, yes, so but we'll discuss until next vermani. i think everyone here at the is the level of interest and if it was she was a senior. so this village, as we use this sort of vegetables, what happens, what else we can see down. so you can just create you this lead to the companies that need you see the next step, if we, as, as a said, be leaving is that i'm which means we should then you mean that it's going to be sent to the polic

and i'm for a credit union. i don't want to condemn people who don't take on a more active part to defend a country for mission aggression, even though which is do you everyone makes their own choices in life. ers here, when are you familiar with someone who used to be the last that is intensifying? it's that campaign and this means that these judges terms, jo, hunters may be spending most of that time monitoring the night sky eva keys. german soldiers being deployed to this away, india as nato allies seek to shore up the strength of the alliances. eastern flank kit represents a major shift and german policy, the 1st term and then deployment of german soldiers abroad since the end of the 2nd world war. drum defense minister for us to store it was that to see off the 1st contingent of troops from belen around $5000.00 soldiers will be stationed into to am with a brigade expected to be fully operational. in roundabout 3 is w as chief political correspondent, nina honda is travelling with troops and told us more ab

what you on the yeah, but don't know what's them you know, things are going to chapter with a credit union has spent on what you're doing it. we're on a posted anywhere on the best number to get you through and then select the and then it goes to show and see what's available for me to waste. oh, shit. and yeah, there are no rules. it didn't, it was just it hit with an issue. so i'm showing a serial number from you to somebody. there are lots of little bit of sticks load here at the facility or just any minute stick. what you on the still can use can put you on the computer, is a so you weren't given a, a scope as question in the village. and i'm going to put you into your mind this a bit when discuss interior. next vermani. you have the one year the is a very low level of interest for well, she was oh, so use of villages as we use this sort of vegetables. what people don't speak and see down so you can just treat it as we get it with the companies that need to see the next step. if we as a set speed, it even is. but i'm going to mostly say the name and get it the one that you sent that to

good credit union, terry boston hurts of covina, dominated by boston, must smaller respect to slump, respect people and countries who follow that faith and which makes this country successful. i've got nothing against them but to you were dealing with the relations between boston and her to covina. and as others are both so you have to bear in mind that the board remains of the collective west. i think that the term west is wrong, just like the impulse narrative of some western balkans on us pressure and serve it to stop making friends in the world would withdraw. the recognition of comfortable is cert bed which serve to uphold some of the agreements. it had with the west and they usually believe the west and what we have now in the council of europe is a result of all the members of the united nations can also be members of the council of your cost of all is not that and yet they're holding the vote. all of that is breaking the rules or creating the rules as we see fit, that only sticks of help remediating. such moves are my absence of belief. those things are coordinated. after all

scale of what you on the yeah for the most of them, you know, as soon as i can reach out to a credit union has spent, i don't know what they're doing yet. we're on the police. did anyone know dismembered to over to you through and then sort of compare them, go to and then it goes to that you only see what a cool pool told me to waste. oh shit. and you know, there are no rules. you bring it, it will just it here with a huge assume showing a serial number when you to get somebody. there are lots of global stiff load here at the facility or just any mystical shortly. stiffness, control the computer. is this what you want us to go by suggestion in the village and i'm going to put you into your mind. yes. yes. so, but we'll discuss until next vermani. let me give the one you put the is the label of interest and if it was she was the use of the legit as well, you know sort of vegetable for people who don't speak and sit down so you can just to introduce me get the companies that i knew, so you didn't look stuff if we said speed, it even is. but i'm what you mean. as i said, then you mean get it.

ken's bank, the navy federal credit union, tells abc news as we take all necessary precautions to bestderal does not solicit personal and or account information over the phone or through email. >> the ftc is working hard to get the word out to consumers about these scams. they have gotten more sophisticated. >> starting today, the ftc is adding new rules to stem these scams. >> so it gives us the ability when we sue companies to get money back, that we can then return to consumers. and also to bring civil penalties that we hope will deter fraudsters. >> experts want consumers to be on high alert for this type of scam, even if it appears to be very legitimate. >> don't trust messages that you receive always contact the company or the agency at a number that you know is real. >> and that was rebecca jarvis. if you or someone you know is a victim of an impersonation scam, you can report it by going to report fraud. dot ftc dot gov. >> abc news has an exclusive conversation with ftx founder and bay area native sam bankman-fried tried answering questions from prison. the former crypto entre

i know other credit unions and banks. >> i will come back to you on that. >> i appreciate it. >> will come back to you. >> thank you. for those of us who have been involved for a long time, the regulations of having a clear set of standards that we abide by and nowhere to put the money to. when should we have regulations out that we can read about what's going to be acceptable and what is not? >> i did not get your question. >> the regulations. the changes in regulations. >> one of the regulations going to be out? the banks will know what is acceptable. the cra was not acceptable. >> the final rule we are working on. there is a lot of work to do. the requirements do not really kicking. i think working on the follow- up relations. >> that is really important. they want to make sure that they qualify where the dollars are spent. they need to make sure that it's going to the right spot because the credits will not be applied unless that is it. the fed, where the federal reserve launched is operating this now. what has the participation rate going with that? >> slow. they are network effe

well, a week ago, the credit union filed an appeal with the california supreme court.so we'd like to know what's going on, the outcome of this case will have a major impact on our industry. so we really like to have that included in the director's report. thank you. okay. thank you for your comment . i will double check with the city attorney, but i believe we are looking for comments that are on items that were addressed in the director's report. is that correct? these types of comments should come under general public comment. that's correct. thank you. okay. thank you. so that would be under item nine in the future. thank you so much, next speaker, please. hello, directors. my name is sheba ben diba. i'm a policy associate at glide and a member of the end poverty toes coalition. i'm here in solidarity with the monolingual spanish and portuguese families living in rvs on winston drive and buckingham way. it's truly so disappointing that after so many conversations with city leaders and h'sh and you all, to delay the enforcement of the four hour parking restrictions,

i literally walked out of a meeting with my credit unions who are very concerned about those things that may be in their future as well. i think it is critical that we don't look at these rules in a vacuum, and to consider their total impact. i'm going to ask you a question that i asked some of the other regulators. how much do you as the fed and you personally consult with them? do you coordinate and talk? >> i don't believe that area of our business. and that there is a lot of talking and i'm not sure. >> and there is always a lot of talking that i'm concerned about the coordinating. and when a rule is finalized under the other regulator, are you mandated or have any kind of a policy to look back at your purview to see if changes need to be made because of the other agency's rule makings? >> there is no mandate like that and that we would do it. >> we would have some sort of a review of that. >> i don't think that there is a formal review, no. >> okay, i heard repeatedly the elements of basel iii overlapped with the fed's annual stress tests. what are you going to do to address that ov

the projects credit union on irving neighborhood corridor 27 and 28th avenues in december of 2019 selectedas an experience for 2019 notice of funding availability to develop family or senior housing. >> in october of 21 they acquired the property for 9 million using a city acquisition loan. due an electric utility easement requirement the sponsor redesigned the build to avoid units or the easement and reduced the unit count to 90 units inform august of 22. the planning department approved the project using senate bill sb35 for affordable housing. in may of 23 the state housing development department award 6.9 in infill infrastructure grant. 29.3 in competitive multifamily housing program loan and community grant for community space on the grounds floor. a factor in the awards is the project's location in a high resourced area which alined with the housing element goals. engaged in amount of community engage the project subject to an appeal and litigation. they prevailed in appeal and litigation. were introduction ford annual housing to the irving street area and occurrence over contaminati

ken's bank, the navy federal credit union, tells abc news as we take all necessary precautions to bestor through e-mail. >> the ftc is working hard to get the word out to consumers about these scams. they have gotten more sophisticated. >> reporter: starting today the ftc is adding new rules to stem these scams. >> it gives us the ability, when we sue companies, to get money back that we can then return to consumers. and also to bring civil penalties that we hope will deter fraudsters. >> reporter: experts want consumers to be on high alert for this type of scam. >> even if it appears to be very legitimate, don't trust messages that you receive. always contact the company or the agency at a number you know is real. >> rebecca: and ken is still waiting for that $4,000 online loan to be reversed, but he is getting back the $1,500 that was taken from his account. now, according to the ftc, the most common types of imposter scams are copy cat account security alert, phoney subscription renewals, fake give aways or discount, bogus problems with the law and made up package delivery issues. y