A payday loan is a costly form of credit operating on the fringes of the economy. That's why the target of a new crackdown by federal regulators may surprise you: Instead of a forlorn-looking storefront with a garish neon sign, it's your familiar neighborhood bank.
A small but growing number of banks, including some major players, have been offering the equivalent of payday loans, calling them "deposit advances."
That is, at least, until bank regulators stepped in Nov. 21 and put new restrictions on the loans.
A group of disputed islands in the East China Sea, known as Senkaku in Japan and Diaoyu in China, sit inside China's self-declared air identification zone, rankling the U.S., Japan and others in the region.
China has been building up its military strength for some time now, and pushing ever farther from its coastline and into international waters. The real concern now is for miscalculation — particularly with Japan — that ends up in gunfire.
Just six months ago, the Pentagon released its annual report on China's military. Its defense budget was growing. The country was building more stealthy aircraft and submarines. It even bought an aircraft carrier from the Ukraine.
Pentagon official David Helvey highlighted particular areas of concern.
A teen's relationship — or lack of good relationship — with parents, pals or teachers may have a lot to do with why most kids aren't getting the nine to 10 hours of sleep that doctors recommend. The hormonal disruptions of puberty likely also play a role.
In August, Attorney General Eric Holder told federal prosecutors to no longer hit low-level drug offenders with charges that carry mandatory minimum sentences. But it's not yet clear how broadly that directive is being interpreted.
Originally published on Thu December 5, 2013 8:44 am
A new report says the Justice Department regularly coerces defendants in federal drug cases to plead guilty by threatening them with steep prison sentences or stacking charges to increase their time behind bars.
And for the first time, the study by Human Rights Watch finds that defendants who take their fate to a judge or jury face prison sentences on average 11 years longer than those who plead guilty.
Originally published on Thu December 5, 2013 8:29 am
Drugs that help women become pregnant have replaced in vitro fertilization as the main culprit behind high-risk multiple births, according to a study looking at births of triplets and higher-order multiples.
"IVF, which is usually the one we tend to point fingers at, was not the leading culprit," says Eli Adashi, a professor of obstetrics and gynecology at Brown University who was senior author of the study, published Wednesday in the New England Journal of Medicine.
Originally published on Wed December 4, 2013 4:59 pm
There's a new report Wednesday on the scale of surveillance by the National Security Agency: The Washington Post reports that the agency is gathering nearly 5 billion records a day on the whereabouts of cellphones around the world.
Want to understand why House Republicans aren't onboard with an immigration overhaul? Take a close look at the districts they represent.
Hispanics today make up 17 percent of the nation's population and are the fastest-growing ethnic group. But an NPR analysis of U.S. census data shows they live disproportionately in districts represented by Democrats. The average Democratic district is 23 percent Latino; the average Republican district, less than 12 percent.