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The Trump administration plans to eliminate routine audits of lenders for violations of the Military Lending Act, according to internal agency documents, The New York Times reported on Friday.Mick Mulvaney, the interim director of the Consumer Financial Protection Bureau, plans to terminate the supervisory examinations of lenders, arguing proactive oversight is not laid out in the legislation, according to the report.The proposal to weaken oversight under the Military Lending Act, which was created to protect military service members and their families from financial fraud, predatory loans and credit card gouging, came as a surprise to advocates of military families, the report stated. Those advocates have pressed the government to put a stop to unethical lenders.The agency has been critical in fighting lender misconduct, rolling out mortgage and payday-lender rules and cracking down on bad behavior by penalizing Citigroup, Wells Fargo and many other lenders.In lieu of conducting examinations, the agency will rely on complaints from its websites, hotlines, the military and people who believe they are victims of fraud, the Times reported.President Donald Trump has tapped Kathleen Kraninger to succeed Mulvaney as chief of the consumer watchdog agency. Kraninger, who works under Mulvaney, is expected to face a tough Senate confirmation battle.Under Mulvaney, the bureau has undergone major changes opposed by both Democrats and consumer advocates. In June, Mulvaney effectively terminated a board of advocates who advised the agency about fair lending and underserved communities. The advisers were told on a conference call that the board would not meet until new members were appointed. The CFPB, however, insisted nobody had been fired.The government watchdog agency, which is charged with consumer protection in the financial sector, was created after the financial crisis with the passage of the 2010 Dodd-Frank Act. 1948

The roads around your child's or grandchild's school may not be as safe as you think.One in three drivers are doing unsafe things, like being on their cell phone, in school zones.New research from Zendrive says from 4 - 5 p.m. is the most dangerous time to be on or near roads around schools.So that's something to keep in mind, even if you're not picking up kids.It says afternoon pick-up is 40 percent more dangerous than the morning pick-up.The company mapped out the areas around 75,000 schools across the country to see which states are the safest.States in green are the safest overall around schools. And red is the least safe.You can see a breakdown by county and check out your child's specific school here. 754

The use of telehealth has become a common practice during the pandemic. Now, some doctors hope it continues to be an important tool in the healthcare industry."There are a number of bills have been proposed," said Dr. Tesh Monteith, a neurologist and fellow with the American Academy of Neurology.Dr. Monteith says Congress is considering several bills to keep telehealth, which allows patients to video conference with a doctor instead of going in for a physical appointment, around for the long run.When the pandemic hit, rules regarding telehealth changed, allowing for doctors to be financially reimbursed for the virtual appointments."It's allowed patients to access care. They're patients that would normally have to take days off, or to keep providers, multiple providers, and if they can do that, they may have childcare issues and not be able to get to a clinic," said Dr. Monteith.The bills would allow for everything from permanent reimbursement for physicians to allowing doctors to virtually see patients across state lines."Some of these bills are proposing that there are not limitations within states. For example, there are issues of licensing. A doctor licensed in New York should they be able to see a patient with a specialized disorder in Minnesota or does that patient have to come in Minnesota," explained Dr. Monteith.While telemedicine has been an important part of making sure people received medical care and diagnoses during the pandemic, doctors agree that the virtual visits in no way can replace seeing your physician in person."Because I know my patients well, I’m a pediatrician, I can do so much over telehealth with the kids I know. When they're sick I can look at them. I can watch them breathe. I can ask them to jump up and down and have the parents press on their tummy, but I can’t look in their ears. I can’t listen to their heart, and if it’s a family that I don’t know, there is concern that I might miss something," said Dr. Tanya Altmann, a pediatrician in California.Dr. Altmann says telehealth can also be a very valuable tool.As for reimbursement for physicians, Dr. Altmann says, "anyway that a physician or healthcare provider reaches out to a family to help with anything medical, it should be compensated."Dr. Altmann says pediatricians can sometimes spend hours on the phone with patients at night, work they don't get paid for. Getting reimbursed for telehealth visits with patients would be a plus."Patients need to empower themselves to learn about telemedicine, to learn what questions to ask a doctor. Have an advocate or family member there to even help with the physical examination," suggested Dr. Monteith.Dr. Monteith says medical professionals estimate there have been more than one billion telemedicine appointments since the pandemic began. She hopes Congress passes the telehealth-related bills to further expand medical access to people across the country. 2932

The recommended amount of sleep for adults is six to eight hours a night. Sleeping more than those hours is associated with an increased risk of death and cardiovascular diseases, says a global study published Wednesday in the European Heart Journal.Looking at data from 21 countries, across seven regions, the research team found that people sleeping more than the recommended upper limit of eight hours increased their risk of risk of major cardiovascular events, like stroke or heart failure, as well as death by up to 41%.But a possible reason for this could be that people have underlying conditions causing them to sleep longer, which in turn could raise the risk of cardiovascular disease or mortality, explain the authors of the study.The team, led by Chuangshi Wang, a Ph.D. student at McMaster and Peking Union Medical College in China, also identified a rising risk among daytime nappers."Daytime napping was associated with increased risks of major cardiovascular events and deaths in those with [more than] six hours of nighttime sleep but not in those sleeping [less than] 6 hours a night," Wang said.In those who underslept, "a daytime nap seemed to compensate for the lack of sleep at night and to mitigate the risks," Wang explained.Previous studies into this topic were mainly carried out in North America, Europe and Japan. The new study brings a global picture.But the findings are observational, meaning the cause of this association remains unknown."Even though the findings were very interesting they don't prove cause and effect," said Julie Ward, a senior cardiac nurse at the British Heart Foundation, who was not involved in the study.Having less sleep -- under six hours -- was also shown to increase these risks by 9%, compared with people who slept for the recommended six to eight hours, but this finding was not considered to be statistically significant by the team.In 2014, 35.2% of American adults reported not getting enough sleep with less than seven hours per night, according to the CDC. 2049

The Supreme Court says Justice Ruth Bader Ginsburg has been discharged from a hospital in New York City and has returned home. The court says Ginsburg, 87, is doing well, two days after undergoing a minimally invasive procedure on Wednesday to “revise a bile duct stent” at Memorial Sloan Kettering Cancer Center. The stent had originally been placed last August, when Ginsburg was treated for a cancerous tumor on her pancreas. Ginsburg announced earlier this month that she is receiving chemotherapy for a recurrence of cancer.Stent revisions are common occurrences and the procedure, performed using endoscopy and medical imaging guidance, was done to minimize the risk of future infection, her doctors said, according to a statement.In May, Ginsburg was hospitalized for treatment for a benign gallbladder condition.Ginsburg has also beaten cancer four times after suffering from pancreatic cancer last year. 921