Iraq death toll

Credit Cards

Government cracks down on credit card industry practices

The banking industry is expected to fight the new rules.

Travis Plunkett, legislative director for the Consumer Federation of America, said that while he hadn't yet seen the details, the rules "appear to address some of the most significant abuses in the credit card marketplace right now."

Rep. Carolyn Maloney, D-N.Y., who has introduced legislation to protect consumers from credit card abuse, said in a statement that she was pleased the Fed had adopted some aspects of her legislation.

But she also expressed concern that "by the time the Fed gets around to finalizing these credit card reform proposals, they will be watered down and come too little too late for consumers who need relief now."

The Fed has been criticized for moving too slowly to respond to abuses leading to the subprime mortgage crisis.

The agencies said the new regulations could be finalized by the end of the year.

Plunkett said his group estimates that credit card debt is now about $850 billion, with households that don't pay their credit card bills in full every month owing an average $17,000.

The proposed new rules that would prohibit:

_Placing unfair time constraints on payments. A payment could not be deemed late unless the borrower is given a reasonable period of time, such as 21 days, to pay;

_Unfairly allocating payments among balances with different interest rates;

• Unfairly raising annual percentage rates on outstanding balances;

_Placing too-high fees for exceeding the credit limit solely because of a hold placed on the account;

_Unfairly computing balances;

_Unfairly adding security deposits and fees for issuing credit or making credit available;

_Making deceptive offers of credit.

In news releases, the agencies said the proposed rules also would require federal credit unions to give consumers a chance to opt out of an overdraft protection program. And they would prohibit those institutions from charging a fee for an overdraft caused by a hold placed on consumer's funds when a person uses a debit card.

The Fed, which is expected to vote Friday afternoon on its approval of the proposed rules, is acting in conjunction with the National Credit Union Administration and the Office of Thrift Supervision.

Ken Clayton, senior vice president of card policy for the American Bankers Association, said the industry will fight the new proposals, describing them as "aggressive regulatory intervention in the marketplace that will result in higher prices and less consumer credit."

He said the change "basically says that we can't price for risk" and that if higher risk borrowers don't bear the costs, those costs will be passed along to other consumers.

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Associated Press Writer Laurie Kellman contributed to this report.

The proposed rules will be available at 2:30 EDT at:

National Credit Union Administration: http://www.ncua.gov/RegulationsOpinionsLaws/proposed_regs.html

ARREST BUSH

Bush Confesses to Waterboarding. Call D.C. Cops!

"History will not judge this kindly," Ashcroft predicted.

"This" is torture. Against innocent people. Conducted by CIA agents and American soldiers and marines. Sanctioned by legal opinions issued by Ashcroft's Justice Department. Directly ordered by George W. Bush.

An April 11^th report by ABC News describes how CIA agents, asked by previous presidents to carry out illegal "black ops" actions (torture and killings), had become tired of getting hung out to dry whenever their dirty deeds were revealed by the press. When the Bush Administration asked the CIA to work over prisoners captured in Afghanistan, Pakistan and elsewhere, Director George Tenet demanded legal cover. The Justice Department complied by issuing a classified 2002 memo, the so-called "Golden Shield," authored by Office of Legal Counsel Jay Bybee. "Enhanced interrogation techniques"--i.e., torture--were legal, Bybee assured the CIA.

Tenet was a good boss, a CYA type. He wanted to protect his agents. So he got the Principals to personally sign off on each act of torture.

"According to a former CIA official involved in the process," ABC reported, "CIA headquarters would receive cables from operatives in the field asking for authorization for specific techniques." Can we beat up this guy? Can we waterboard him?

The Bushies weren't otherwise known for dwelling on details. Osama was in Pakistan; they invaded Afghanistan instead. Two years later, he was still in Pakistan. They invaded Iraq. Bush and his top officials still found time to walk through every step of torment a detainee would suffer in some CIA dungeon halfway around the world.

"The high-level discussions about these 'enhanced interrogation techniques' were so detailed, [Bush Administration] sources said, some of the interrogation sessions were almost choreographed--down to the number of times CIA agents could use a specific tactic. These top advisers signed off on how the CIA would interrogate top Al Qaeda suspects--whether they would be slapped, pushed, deprived of sleep or subjected to simulated drowning, called waterboarding, sources told ABC news."

Bush knew.

Not only did he know, he personally approved it. He likes torture.

"Yes, I'm aware our national security team met on this issue," he confirmed. "And I approved."

When the U.S. signs a treaty, its provisions carry the full force of U.S. law. One such treaty is the U.N. Convention Against Torture, of which the U.S. is a core signatory. As Philippe Sands writes in his new book "Torture Team:" Parties to the... Convention are required to investigate any person who is alleged to have committed torture. If appropriate, they must then prosecute--or extradite the person to a place where he will be prosecuted. The Torture Convention... criminalizes any act that constitutes complicity or participation in torture. Complicity or participation could certainly be extended not only to the politicians and but also the lawyers involved..."

George W. Bush has publicly confessed that he ordered torture, thus violating the Convention Against Torture. He, Cheney, Rumseld, Rice and the other Principals must therefore be arrested and, unlike the thousands of detainees kidnapped by the U.S. since 9/11, arraigned and placed on trial.

Because the torture ordered by Bush and his cabinet directly resulted in death, they must additionally be charged with several counts of murder. Fifteen U.S. soldiers have been charged with the murders of two detainees at the U.S. airbase at Bagram, Afghanistan in 2002. They were following orders issued by their Commander-in-Chief and his Principals.

One of the Bagram victims was Dilawar, a 22-year-old Afghan taxi driver. "On the day of his death," reported The New York Times on May 22, 2005, "Dilawar had been chained by the wrists to the top of his cell for much of the previous four days. A guard tried to force the young man to his knees. But his legs, which had been pummeled by guards for several days, could no longer bend... Several hours passed before an emergency room doctor finally saw Mr. Dilawar. By then he was dead, his body beginning to stiffen. It would be many months before Army investigators learned a final horrific detail: Most of the interrogators had believed Mr. Dilawar was an innocent man who simply drove his taxi past the American base at the wrong time."

At least four detainees have committed suicide at the torture camp created by George W. Bush after 9/11 at Guantánamo Bay. Twenty-five more made 41 unsuccessful attempts to kill themselves. The conditions of their confinement--ordered by Bush and his Principals--constitutes torture. It no doubt prompted their deaths.

If George W. Bush were an ordinary citizen, there can be little doubt that he would face a long prison sentence for the scores of acts of torture he authorized both specifically and generally. Four of the seven white hillbillies charged with the kidnap-torture of a black woman in Logan County, West Virginia are now in jail for at least the next ten years.

If Bush weren't president, he would face murder charges. The maximum sentence in a federal murder case is death.

If Bush and his co-conspirators are not above the law, if the United States remains a nation where all citizens are equal, they must be arrested and indicted. But by whom?

The Supreme Court has never resolved the question of whether a sitting president can be arrested by civilian authorities. Even if he were charged and convicted, many legal experts say he could issue himself a pardon.

However, leaving the presidency in the hands of an self-admitted torture killer is unacceptable. Congress could ask a U.S. Marshal to arrest Bush as part of impeachment charges. But the ultimate outcome--removing him from office a few months before the end of his term--seems woefully inadequate given the nature of the charges. In any case, Democrats have already said that impeachment is "off the table."

Bush could be extradited to one of the countries where the torture and murders were committed--such as Afghanistan or Cuba. But he could claim immunity as a head of state.

There is, however, a person who could begin holding Bush and the others accountable for their crimes.

She is Cathy L. Lanier, the 39-year-old chief of D.C.'s Metropolitan Police Department. Chief Lanier, take note: you have probable cause to arrest a self-confessed serial torturer and mass murderer within the borders of the District of Columbia. He resides at 1600 Pennsylvania Avenue. Go get him.

History is calling, Chief Lanier. Your city, and your country, needs you.

(Ted Rall is the author of the book "Silk Road to Ruin: Is Central Asia the New Middle East?," an in-depth prose and graphic novel analysis of America's next big foreign policy challenge.)