WASHINGTON (AP) — In the name of consumer protection, a slew of U.S. federal agencies are working to make it easier for Americans to click the unsubscribe button for unwanted memberships and recurring payment services.
A broad new government initiative, dubbed “Time Is Money," includes a rollout of new regulations and the promise of more for industries spanning from healthcare and fitness memberships to media subscriptions.
“The administration is cracking down on all the ways that companies, through paperwork, hold times and general aggravation waste people's money and waste people's time and really hold onto their money,” Neera Tanden, White House domestic policy adviser, told reporters Friday in advance of the announcement.
“Essentially in all of these practices, companies are delaying services to you or really trying to make it so difficult for you to cancel the service that they get to hold onto your money for longer and longer," Tanden said. "These seemingly small inconveniences don't happen by accident — they have huge financial consequences.”
Efforts being rolled out Monday include a new Federal Communications Commission inquiry into whether to impose requirements on communications companies that would make it as easy to cancel a subscription or service as it was to sign up for one.
The Federal Trade Commission in March 2023 initiated “click to cancel” rulemaking requiring companies to let customers end subscriptions as easily as they started them.
Also Monday, the heads of the departments of Labor and of Health and Human Services are asking health insurance companies and group health plans to make improvements to customer interactions with their health coverage, and “in the coming months will identify additional opportunities to improve consumers’ interactions with the health care system," according to a White House summary.
The government already has launched several initiatives aimed at improving the consumer experience.
In October, the FTC announced a proposed rule to ban hidden and bogus junk fees, which can mask the total cost of concert tickets, hotel rooms and utility bills.
In April, the Transportation Department finalized rules that would require airlines to automatically issue cash refunds for things like delayed flights and to better disclose fees for baggage or reservation cancellations.
The department also has taken actions against individual companies accused of misleading customers.
In June, the Justice Department, referred by the FTC, filed a lawsuit against software maker Adobe and two of its executives, Maninder Sawhney and David Wadhwani, for allegedly pushing consumers toward the firm's “annual paid monthly” subscription without properly disclosing that canceling the plan in the first year could cost hundreds of dollars.
Dana Rao, Adobe's general counsel, said in an emailed statement that Adobe disagrees with the lawsuit’s characterization of its business and “we will refute the FTC’s claims in court.”
“The early termination fees equate to minimal impact to our revenue, accounting for less than half a percent of our total revenue globally, but is an important part of our ability to offer customers a choice in plans that balance cost and commitment,” Rao said.
Some business advocates are not a fan of the government's overall efforts to crack down on junk fees.
Sean Heather, senior vice president of international regulatory affairs and antitrust at the U.S. Chamber of Commerce, said the initiative is “nothing more than an attempt to micromanage businesses’ pricing structures, often undermining businesses’ ability to give consumers options at different price points.”
FILE - Domestic policy adviser Neera Tanden speaks during the daily briefing at the White House in Washington, Aug. 29, 2023. (AP Photo/Susan Walsh, File)
FILE - The Federal Communications Commission building is pictured, June 19, 2015, in Washington. (AP Photo/Andrew Harnik, File)
Kamala Harris and Donald Trump are gearing up to take the stage for Tuesday night’s debate in Philadelphia, where they’ll fight to sway 2024 election voters on the biggest stage in U.S. politics.
The event, at 9 p.m. Eastern, will offer Americans their most detailed look at a campaign that’s dramatically changed since the last debate in June. In rapid fashion, President Joe Biden bowed out of the race after his disastrous performance, Trump survived an assassination attempt and bothsides chose their running mates.
Follow the AP’s Election 2024 coverage at: https://apnews.com/hub/election-2024.
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Four years ago, Kamala Harris and Mike Pence met in the 2020 vice presidential debate in what was mostly a civil, substantive debate. But a tiny insect ended up stealing more of its fair share of the spotlight.
Marc Short, who led Pence’s debate prep, still shakes his head thinking about the fly that landed on Pence’s head during the debate, a stark image of the dark insect set against Pence’s white hair.
“On the actual substance you we were very pleased with Pence’s answers back and forth in that debate,” Short said. Unfortunately, he added, “a lot of the after coverage was focused on the fly.”
Indeed, it became an immediate social media sensation, made its way into the ubiquitous takeaway analysis pieces that every major news outlet produces and was part of NBC’s Saturday Night Live “Cold Open” skit days later.
The lesson, Short said, is that candidates, no matter how much they prepare, cannot always control the conversation coming out of a debate.
“She just needs to be herself, and she will be fine,” South Carolina Rep. James Clyburn told reporters at a White House celebration for the South Carolina Gamecocks, the 2024 NCAA women’s basketball champs.
Jaime Harrison, the Democratic National Committee chairman, said he was confident Harris will show herself to be more presidential than former President Donald Trump.
“Listen, I think if the vice president is herself, she’s going to be fantastic,” said Harrison, another South Carolinian who attended the White House ceremony. “She’s going to be presidential, and we know Donald Trump is going to do what Donald Trump does.”
If he wins in November, Trump, who’s 78, will be the oldest person ever elected to the presidency. And a new Pew Research Center poll finds that about half of voters think his age will hurt his candidacy. Only 3% of voters think his age will help him, and the rest say it won’t make a difference.
The results are the opposite for Harris, who at 59 is nearly two decades younger than her opponent. About half say her age will help her, while only 3% say it will hurt her.
With Harris as the Democratic candidate, Trump may have lost an advantage over President Joe Biden – the perception that he’s more mentally prepared for the job. About 6 in 10 voters say the phrase “mentally sharp” describes Harris very or fairly well, while about half say that about Trump. Back in July, when Biden was still his opponent, about 6 in 10 voters said Trump was “mentally sharp,” while only about one-quarter said the same of Biden.
Harris’s candidacy is historic – if elected, she’d be the first woman president, as well as the first Asian American and first Black woman president. Voters are more likely to think those identities will help her than hurt her at the ballot box this fall, according to a new poll from the Pew Research Center.
About 4 in 10 voters think Harris’s Asian and Black identity will help her in November, and a similar share think the same about her identity as a woman. They’re more likely to see her gender as a liability than her race: About 3 in 10 say the fact that Harris is a woman will hurt her in November, while about 3 in 10 say that about the fact that she is Asian and Black.
The voters who are most concerned that Harris’s race and gender will be a liability are her own supporters. About 4 in 10 Harris supporters, for instance, say the fact that Harris is a woman will hurt her with voters, compared to 16% of Trump supporters.
Former President Donald Trump and Vice President Kamala Harris will meet face-to-face for the first time in a highly-anticipated debate Tuesday night. The two presidential candidates describe the state of the country in starkly different terms. Trump often paints a dark picture centered around issues such as immigration and high inflation, while Harris focuses on optimism for the future, promising that “we’re not going back.”
The first debate of the 2024 election in June — at which President Joe Biden’s disastrous performance ultimately forced him from the race — featured multiple false and misleading claims from both candidates and it’s likely that Tuesday’s match-up will include much of the same.
▶ Read more about claims made by the candidates
And both of them plan to say why the Democrat would be better than Republican Donald Trump.
Anthony Scaramucci was briefly the Trump White House’s communications director, while Olivia Troye was a homeland security adviser to Vice President Mike Pence and was involved in Trump’s coronavirus task force. The Harris campaign said both will speak out against Trump before the debate starts.
In a form of political judo, the Harris campaign has been trying to use Trump’s former aides against him, trying to show that those who know him best see him as unfit to return to the White House.
This year’s presidential race is a genuine contest of ideas between Vice President Kamala Harris and former President Donald Trump — with clear differences on taxes, abortion, immigration, global alliances, climate change and democracy itself.
Since replacing President Joe Biden as the Democratic nominee, Harris has pledged to chart a new way forward even as she’s embraced many of his ideas. She wants middle class tax cuts, tax hikes on the wealthy and corporations, a restoration of abortion rights and a government that aggressively addresses climate change, among other stances.
Seeking a return to the White House, Trump wants to accomplish much of what he couldn’t do during a term that was sidetracked by the global pandemic. The Republican wants the extension and expansion of his 2017 tax cuts, a massive increase in tariffs, more support for fossil fuels and a greater concentration of government power in the White House.
The two candidates have spelled out their ideas in speeches, advertisements and other venues. Many of their proposals lack specifics, making it difficult to judge exactly how they would translate their intentions into law or pay for them.
▶ Read more about where the candidates stand on issues
With early voting fast approaching, the rhetoric by Republican presidential nominee Donald Trump has turned more ominous with a pledge to prosecute anyone who “cheats” in the election in the same way he believes they did in 2020, when he falsely claimed he won and attacked those who stood by their accurate vote tallies.
He also told a gathering of police officers last Friday that they should “watch for the voter fraud,” an apparent attempt to enlist law enforcement that would be legally dubious.
Trump has contended, without providing evidence, that he lost the 2020 election only because of cheating by Democrats, election officials and other, unspecified forces.
On Saturday, Trump promised that this year those who cheat “will be prosecuted to the fullest extent of the law” should he win in November. He said he was referencing everyone from election officials to attorneys, political staffers and donors.
▶ Read more about Trump’s rhetoric on the election
The debate between Vice President Kamala Harris and former President Donald Trump won’t have an audience, live microphones when candidates aren’t speaking, or written notes, according to rules ABC News, the host network, shared with both campaigns last month.
The parameters in place for the Tuesday night debate are essentially the same as they were for the June debate between Trump and President Joe Biden, a disastrous performance for the incumbent Democrat that fueled his exit from the campaign.
It's the only debate that’s been firmly scheduled and could be the only time voters see Harris and Trump go head to head before the November general election.
▶ Read more about the rules for the Trump-Harris debate
In this combination photo, Democratic vice presidential candidate Sen. Kamala Harris, D-Calif., speaks during a debate, Oct. 7, 2020, in Salt Lake City, left, and Republican presidential candidate former President Donald Trump speaks during a debate, June 27, 2024, in Atlanta. (AP Photo)
The motorcade of Democratic presidential nominee Vice President Kamala Harris passes a billboard in support of Republican presidential nominee former President Donald Trump Monday, Sept. 9, 2024, ahead of the presidential debate with Republican presidential nominee former President Donald Trump in Philadelphia. (AP Photo/Jacquelyn Martin)
Democratic presidential nominee Vice President Kamala Harris arrives on Air Force Two at Atlantic Aviation Philadelphia, Monday, Sept. 9, 2024, near Philadelphia International Airport, ahead of the presidential debate with Republican presidential nominee former President Donald Trump. (AP Photo/Jacquelyn Martin)
Signage at the media filing center ahead of tomorrow's presidential debate between Republican presidential candidate former President Donald Trump and Democratic presidential nominee Vice President Kamala Harris, Monday, Sept. 9, 2024, in Philadelphia. (AP Photo/Pablo Martinez Monsivais)
