was an assistant county attorney for miami-dade county and he clerked for the honorable james lawrence king in the southern district of florida. now, after jam, our attorney from the federal trade commission will discuss online payday lenders. i'd like to point out there is no national userry cap for pay day loans. la shawn will be focusing on a lot of issues that they're not concerned about, but focusing on how the loans are marketed. lashawn johnson works on a broad range of consumer credit and financial service issues, including challenging unfair, deceptive acts or practices by online payday lenders, and most recently she is focused on issues relating to the lending and debt collection practices of online payday lenders affiliated with native american tribes. prior to joining the f.t.c. in 2003, lashawn was a litigation associate with the washington, d.c. firm, reached her b.a. with honors from howard university, graduated from the university berkeley school of law. and katie will discuss phantom debt collectors. these scams seem based overseas, for instance in india. call consumers and

and clerked for the honorable james lawrence king in the southern district of florida. after jeff, lashon johnson is going to discuss consumer protection issues surrounding all pay lenders. i would like to point out that there is no national news recap for the pay loans. so what lashawn is going to be talking about isn't an issue a lot of states are concerned about regarding the user caps but instead some of the federal protection issues focusing on how the balloons are marketed, whether the terms and conditions of the loans or one of the loans will automatically rolled over or being disclose to consumers more interested in taking out a pay loan. lashawn johnson is entering with the federal trade commission and the division of financial practices. she works on a broad range of consumer credit and financial service issues including challenging unfair deceptive acts of practices by online pay lenders, and most recently she focused on issues related to the lending and debt collection practices of online payday lenders with native american tribes. prior to joining in 2003,

lawrence livermore lab. the demonstration officially begins a half hour from now. past protestors blocked the lab's main gate. this years theme is based on the title dr. martin luther king junior's book where do we go from here? chaos or community? >>> a fire truck responding to a call crashed in oakland. that happened about 9:00 last night at 90th avenue and bancroft. you can see from our video part of the fire truck ended up on top of the car. investigators say the collision did cause air bags to deploy. >>> also this morning police are investigating whether alcohol was a factor in a richmond collision that injured seven people. police say the driver of a chevy camaro collided with a pickup truck at 7:20 last night. two people in the camaro were critically injured along with a man in the truck. four other people are also injured but expected to survive. >>> the obama administration will propose the entire country start using the special kind of gas we already have here in california. the epa says they will result in cleaner air across the country. the agent city estimates that cleaner gas would only increase prices by a penny a gallon. however oil companies say it wou

lawrence livermore lab. the demonstration officially begins a half hour from now. past protestors blocked the lab's main gate. this years theme is based on the title dr. martin luther king junior's book where do we go from here? chaos or community? >>> a fire truck responding to a call crashed in oakland. that happened about 9:00 last night at 90th avenue and bancroft. you can see from our video part of the fire truck ended up on top of the car. investigators say the collision did cause air bags to deploy. >>> also this morning police are investigating whether alcohol was a factor in a richmond collision that injured seven people. police say the driver of a chevy camaro collided with a pickup truck at 7:20 last night. two people in the camaro were critically injured along with a man in the truck. four other people are also injured but expected to survive. >>> the obama administration will propose the entire country start using the special kind of gas we already have here in california. the epa says they will result in cleaner air across the country. the agent city estimates that cleaner gas would only increase prices by a penny a gallon. however oil companies say it wou

lawrence livermore laboratory. groups have held these demonstrations for about 30 years. past protestors blocked the main gate. this years theme is based on a title of a dr. marlin luther -- martin luther king junior book. where do we go from here? >>> coming up at 5:45 who is behind the push for the tier 3 gas in all 50 states. >>> a fire truck responding to a call crashed in oakland. it happened around 9:00 last night at 90th avenue in bancroft. patient of that fire truck is on top of the car. good news is no one was injured. investigators say the collision did cause air bags to deploy. >>> police are also investigating whether alcohol was a factor in a richmond collision that injured seven people. police say the driver of a chevy camaro collided with a pickup truck at 7:20 last night. two people in the camaro were critically injured along with a man in the truck. four other people are also injured but expected to survive. >>> 5:36 is the time. sal is talking about fog. i definitely i tweeted out i was driving along it was clear and then boom you hit a wall of fog. it's kind of dangerous. >> that is true. i follow you and brian on twitter. so i saw your tweet. it's interesting we're in th

lawrence livermore laboratory. groups have held these demonstrations for about 30 years. past protestors blocked the main gate. this years theme is based on a title of a dr. marlin luther -- martin luther king junior book. where do we go from here? >>> coming up at 5:45 who is behind the push for the tier 3 gas in all 50 states. >>> a fire truck responding to a call crashed in oakland. it happened around 9:00 last night at 90th avenue in bancroft. patient of that fire truck is on top of the car. good news is no one was injured. investigators say the collision did cause air bags to deploy. >>> police are also investigating whether alcohol was a factor in a richmond collision that injured seven people. police say the driver of a chevy camaro collided with a pickup truck at 7:20 last night. two people in the camaro were critically injured along with a man in the truck. four other people are also injured but expected to survive. >>> 5:36 is the time. sal is talking about fog. i definitely i tweeted out i was driving along it was clear and then boom you hit a wall of fog. it's kind of dangerous. >> that is true. i follow you and brian on twitter. so i saw your tweet. it's interesting we're in th