http://www.cherokeephoenix.orgCreditcard users will be better off after new credit card laws go into effect inFebruary. (Photo by Jami Custer)
Creditcard users will be better off after new credit card laws go into effect inFebruary. (Photo by Jami Custer)

New credit card laws designed to help consumers

Creditcard users will be better off after new credit card laws go into effect inFebruary. (Photo by Jami Custer) Creditcard users will be better off after new credit card laws go into effect inFebruary. (Photo by Jami Custer)
Creditcard users will be better off after new credit card laws go into effect inFebruary. (Photo by Jami Custer)
BY JAMI MURPHY
Former Reporter
11/30/2009 07:14 AM
TAHLEQUAH, Okla. – This year credit card companies and consumers were introduced to new laws designed to help protect consumers. Some laws went into effect in August, but others will not take effect until December and late February.

According to one Cherokee Nation employee, these laws have been needed for several decades because the credit card industry has gone unregulated, raising interest rates and changing terms of credit card contracts for millions of customers while they could.

“With the current economy and financial institutions being held to a stricter code of ethics and operations, reform was just a matter of time,” Deborah Vanderpool, a Self-Sufficiency supervisor with the tribe’s Commerce Group, said. “Consumers have been subject to unscrupulous credit card practices for decades, and we’ve still got a few months until we are fully protected.”

In response to the laws, many banks and credit card issuers have tightened standards for issuing cards, and most all have made it more difficult to qualify for a credit card.

“In a survey of the largest national banks, including 19 that issue credit cards, 68 percent indicated to bank examiners that they had tightened credit card lending standards during the 12-month period ending March 31, 2009,” Vanderpool said.

She said the new laws would affect people who use or will use a credit card and that benefits of these changes are huge for consumers.

In the past, credit card issuers could change account terms, including interest rates and fees, without giving much notice. Now, according to the new laws, lenders must give account holders at least 45 days advance notice of significant changes.

Other big changes include informing customers of the right to cancel an account and that cancelling does not require the users to immediately pay off the balance. Further changes include:

• Monthly credit card bills must disclose the dates by which payments must be received to avoid late penalties and the dates that late fees will be charged to the accounts.
• Card issuers must include warnings in monthly statements indicating consumers who only make minimum payments that the amount of time it will take to pay off the debt in full and the interest they will pay will increase.
• Card issuers must disclose whether interest rates will increase if one or more payments are not received on time and what the penalty interest rate will be. This notice must appear on the monthly statement near the payment due date.
• Consumers can opt out of significant changes in terms to their accounts, including interest rate hikes and increase in fees and other charges.
• Cardholders who are more than 60 days late making payments do not have the right to opt out of APR increases.
• Credit card issuers must inform card users of the right to cancel when they mail the 45-day advance notice of the change in terms.
• Opting out is not considered defaulting on the account and should not be penalized by the card issuers.
• Issuers cannot demand payment in full of the outstanding balance or charge monthly maintenance fees on closed accounts if the consumer rejects the changes in terms.
• Opting out does not include raising minimum monthly payments required as this would actually be better for the consumer and pay off the card balance earlier.

“Currently opting out of interest rate hikes is only granted at the card issuer’s discretion and is not a consumer right,” Vanderpool said. “Opting out will allow the consumer to pay the old, lower interest rate but will not allow further purchases on the card.”

She said there are three methods for repaying balances on accounts that have been closed by consumers choosing to reject changes. They are: paying the balance over at least five years, charging a minimum payment that is up to twice the percentage charged before the change in terms and using the same repayment plan used on the account at the time the consumer rejects the change in terms.

Vanderpool said retroactive interest rate hikes on existing balances are banned except when an introductory period ends, the interest rate is tied to an index and is variable, the card user completes the terms of a workout plan for debt repayment or fails to comply with a workout plan or the card user is more than 60 days late making monthly payments.

Vanderpool said consumers younger than 21 who are not authorized users on a parent’s account must show proof of income to repay credit card loan or have an adult co-signer if they want accounts in their own names.

News

BY ASSOCIATED PRESS
06/25/2017 02:00 PM
BISMARCK, N.D. (AP) — A federal judge won't decide until later this year whether to shut down the disputed Dakota Access oil pipeline while federal officials conduct a more thorough environmental review. U.S. District Judge James Boasberg on Wednesday approved a schedule under which both sides in a lawsuit over the pipeline will submit written arguments on the matter in July and August. "We would expect a decision sometime after that, probably September," said Jan Hasselman, an attorney for the Standing Rock Sioux, which filed the lawsuit last summer that was later joined by three other Sioux tribes. The Standing Rock tribe sued because it believes the $3.8 billion pipeline built by Texas-based Energy Transfer Partners threatens cultural sites and its water supply. The company disputes that and maintains the pipeline is safe. The long-delayed project was finished earlier this year after President Donald Trump took office and called for its completion. On June 1, the pipeline began moving North Dakota oil to a distribution point in Illinois, from which it's shipped to the Gulf Coast. But Boasberg last week ruled that the U.S. Army Corps of Engineers, which permitted the pipeline, didn't adequately consider how an oil spill might affect the tribe. He ordered the agency to reconsider parts of its environmental analysis. About 50 anti-pipeline protesters rallied outside the federal courthouse in Washington, D.C., during Wednesday's hearing. They sang, chanted, held signs with messages such as "water is life" and gave speeches in support of the tribe. "If that (pipeline) spills, it means game over," said the Rev. Lennox Yearwood Jr., president and CEO of the Hip Hop Caucus activist group. "It means they can't wash, they can't clean, they can't feed their children. It means their way of life ends."
BY ASSOCIATED PRESS
06/24/2017 02:00 PM
OKLAHOMA CITY (AP) — State environmental officials say elevated mercury levels in fish have been found in 14 more lakes in Oklahoma than last year. The Oklahoma Department of Environmental Quality plans a public meeting for Tuesday to discuss the mercury levels. The agency says a total of 54 lakes have mercury advisories — which is up 14 since the last advisory in 2016. The advisories deal with mercury levels in fish and do not affect drinking water safety or lake recreational activities like swimming or boating. The 14 new lakes added to the advisory are: Arcadia Lake, Birch Reservoir, Boomer Lake, Copan Reservoir, El Reno Lake, Greenleaf Reservoir, Lone Chimney Lake, Lake McMurtry, Lake Murray, Pawnee Lake, Lake Ponca, Lake Raymond Gary, Shell Lake and Waurika Reservoir.
BY STACIE GUTHRIE
Reporter – @cp_sguthrie
06/24/2017 11:00 AM
HOPKINSVILLE, Ky. – While traveling the Trail of Tears’ northern route “Remember the Removal” cyclists visited sites where Cherokees stayed during their forced removal in the winter of 1838-39, with several sites housing graves of Cherokees who died along the trek. The Trail of Tears Commemorative Park in Hopkinsville acted as a camping spot and gravesite during the removal. Alice Murphree, Kentucky Chapter of the Trail of Tears Association president, said the site contains Chief Whitepath and Chief Fly Smith’s graves as well as a grave with unknown remains. She said Whitepath, an assistant conductor with the Elijah Hicks detachment, died about 10 days after arriving at the site. “He come sick coming out of Nashville, and as the trail proceeded he felt sicker and sicker. By the time they got to the spot at Hopkinsville he was so ill that the Elijah Hicks detachment had to leave him here and go on,” she said. Murphree said Smith was “sickly” for most of the journey before dying at the site. “Stephen Foreman (minister serving as assistant conductor of the Old Field detachment) and his wife stayed behind with him and that (Old Field) detachment moved on,” she said. “I guess it was just within a day or two. I don’t know exact dates, but they (chiefs) died within hours of one another. They (Foremans) went to the city and asked if they could bury him in the city. The city would not allow them to be buried there. The Latham family owned all of this property and agreed to let him be buried here.” It is said that Cherokees are buried in Union County, Illinois, at the Camp Ground Church and Cemetery. Sandra Boaz, Illinois Chapter of the TOTA president, said it was determined by ground penetrating radar that there are around 10 ground anomalies the sizes of graves at the site. “After 1834 a man by the name of Mr. Hileman took out a land patent and brought his family here. Sometime in the winter of 1837-38 he had two small preschool-aged children who passed away and he buried them, as family oral history says,” she said. “Then when the Cherokee came through…they had made arrangements for them to camp on this site. As they were stopped here due to the ice flows on the Mississippi River, naturally some of them passed away. So story says that Mr. Hileman had them buried out in the field by his little boys. So that was the basis for getting this site certified as a National Trail of Tears site with the National Park Service.” For more information, visit www.nationaltota.com.
BY STAFF REPORTS
06/23/2017 04:00 PM
TAHELQUAH, Okla. – The American Indian Resource Center has received a $30,000 Native Agriculture and Food Systems Initiative grant from the Colorado-based First Nations Development Institute. According to First Nations, the funding will help build a sustainable food source (fruits/vegetables) for three tribal communities with the aim of increasing consumption of healthy foods. Families will be reintroduced to growing/gathering their own foods while making healthier lifestyle choices. The award was one of 15 program grants to Native American tribes and organizations under First Nations’ Native Agriculture and Food Systems Initiative. According to First Nations, each funded project aims to strengthen local food-system control; increase access to local, healthy and traditional foods; and/or decrease food insecurity and food deserts, all with an emphasis on serving Native American children and families. The release states it is hoped that the projects will noticeably improve a tribe or community’s effort to increase access to healthy and fresh foods for vulnerable children, families and communities. Additionally, the efforts will help increase awareness of and involvement with where the community’s food comes from, and expand knowledge of the linkages between foods, Native cultures and/or contribute to tribal economic growth and the development of entrepreneurially-related food ventures. First Nations serves Native American communities throughout the United States, according to the release. Its states that for more than 36 years, using a three-pronged strategy of educating grassroots practitioners, advocating for systemic change, and capitalizing Indian communities, First Nations has been working to restore Native American control and culturally-compatible stewardship of the assets they own – be they land, human potential, cultural heritage, or natural resources – and to establish new assets for ensuring the long-term vitality of Native American communities. For more information, visit <a href="http://www.firstnations.org" target="_blank">www.firstnations.org</a>.
BY STAFF REPORTS
06/23/2017 12:00 PM
ROLAND, Okla. – A SWAT team sniper with the Cherokee Nation Marshal Service shot and killed a 57-year-old man on June 8 during a standoff in Roland, according to the Sequoyah County Sheriff's Office. According to a sheriff’s office statement on Facebook, the sheriff’s office received a call around 4 p.m. about a possible suicidal man who had barricaded himself inside an area residence. The post states that when county deputies and Oklahoma Highway Patrol troopers arrived at the residence they found 57-year-old Paul Eugene Mashburn. It also states that as deputies approached the residence Mashburn yelled out the window that he had guns and gasoline and would shoot any officers that came near the house. The statement reads that Mashburn was sending texts messages to family members stating he had gasoline and guns, and that he had poured the gasoline on the carpet and would throw a torch on it if officers tried to enter the home. Mashburn was wanted on an outstanding felony warrant for a kidnapping case in Sequoyah County, the post states. It also states because of Mashburn’s threats and his prior criminal history, Sequoyah County Sheriff Larry Lane contacted the CNMS requesting assistance from its SWAT team. The statement reads that county deputies and OHP troopers maintained perimeter security at the residence as well as constant communication with Mashburn until the SWAT team arrived around 7 p.m. According to the post, the SWAT team negotiator communicated with Mashburn for several hours, trying to get him to exit the residence before Mashburn began breaking windows and threatening officers. “Mr. Mashburn then started a fire inside the residence and continued breaking out windows and eventually opened a window on the east side of the house, yelled again and pointed a pistol out the window at officers,” the statement reads. It was then, according to the statement, that a SWAT team sniper fired a shot that killed Mashburn. The Roland Fire Department then extinguished the fire before the home was completely destroyed. According to the statement, Mashburn was a convicted sex offender and had previous criminal history of robbery, domestic violence and sexual battery. He also had an outstanding warrant from Van Buren (Arkansas) Police Department for domestic battery. “I would like to recognize and thank Detective Christian Goode for staying calm and truly trying to end the standoff peacefully, by staying in constant communication with Mr. Mashburn for several hours,” Sheriff Lane stated. “This was a very stressful situation for everyone involved, and unfortunately ended with a man losing his life.” CNMS Capt. Danny Tanner said the Oklahoma State Bureau of Investigation is investigating the officer-related shooting and would not release the officer’s name.
BY STACIE GUTHRIE
Reporter – @cp_sguthrie
06/23/2017 09:32 AM
TAHLEQUAH, Okla. – After approximately three weeks and 950 miles, the 2017 “Remember the Removal” cyclists formed bonds that will last a lifetime. After seeing sites such as New Echota and Red Clay in Georgia, Mantle Rock in Kentucky and other locations where Cherokees traveled the Trail of Tears’ northern route, they ended their journey on June 22 at the Cherokee Nation Courthouse Square. The ride began June 4 in New Echota and took cyclists through Georgia, Tennessee, Kentucky, Illinois, Missouri, Arkansas and Oklahoma. Mentor cyclist and CN citizen Will Chavez, who participated in the first “RTR” ride in 1984, said coming into Tahlequah and seeing familiar sites and family was “emotional.” “It’s really emotional coming in today, seeing all of the familiar streets and roads, knowing finally I was almost home. Went through a lot of unfamiliar territory for three weeks, so it’s good to be home,” the Cherokee Phoenix assistant editor said. In 1984 he was 17. Now at age 50, he saw the journey with “different eyes” and “new perspective.” “It really was something else. I wanted to learn more, and this time I wasn’t a kid, so I really paid attention more and took in more of the sights and the stories that we heard,” he said. As for those Chavez rode with, he said he watched them “grow” and is “proud” of their accomplishment. “I watched them grow during the weeks and especially the days we’ve endured some tough terrain and heat. They didn’t complain. Everybody stayed together and helped each other, and it was just like quiet resolve,” he said. “I’m proud of them because they really showed a lot of grit and determination.” Eastern Band of Cherokee Indians cyclist Chavella Taylor said she considers the cyclists “family.” “I feel like they are my family now, especially with my EBCI riders. I spent more time with them than my own family,” she said. “It probably took us a week to get close with Cherokee Nation, but they’re my family now. There’s nothing I wouldn’t do for them.” Taylor said being separated from her children was tough, but knowing why she took the journey kept her going. “There were times where I just wanted to quit. I just wanted to go home, and I had the ability to go home. I had every means to go home and quit, but I’m on this ride for a reason,” she said. “I just feel like it was something that I had to do, and everyday I got through it. I’m just glad to be home, and I’m glad that my ancestors sacrificed what they did so that I’m able to be here with my kids.” Taylor said she wants to tell her children that Cherokees have a purpose. “Something that I want to take back is to let my kids know that we have a purpose, that we’re still here, that there have been things that have been done to erase everything about us, but we’re still here.” During the return ceremony, EBCI cyclist Renissa McLaughlin reminded the riders that they are from “one blood.” “’Remember the Removal’ riders, I said this to you once before. We came from the same place, Kituwah. We existed together for thousands of years prior to the removal, and although we are miles apart, we are the same people – one blood,” she said. She said for her “RTR” is “everyone who actively contributes either by work or words.” “If not for the compassion of non-Natives, much of our history would have been lost to us. These past three weeks I’ve felt more love coming from complete strangers than I see among our own people, and we need to fix that,” McLaughlin said. “Without all of these compassionate people across the seven states we visited, there would be no trails marked for us to see. They are all out there telling our story when we cannot, and for that we owe them our deepest gratitude.”