A federal judge in Fort Worth, Texas, on Friday blocked a new Biden administration rule that would prohibit credit card companies from charging customers late fees higher than $8.

US District Judge Mark T. Pittman, an appointee of former President Donald Trump, granted a preliminary injunction to several business and banking organizations that allege the new rule violates several federal statutes.

These organizations, led by the right-leaning US Chamber of Commerce, sued the Consumer Financial Protection Bureau after the rule was finalized in March. The rule, which was set to go into effect Tuesday, would save consumers about $10 billion per year by cutting fees from an average of $32, the CFPB estimated.

  • circuscritic@lemmy.ca
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    6 months ago

    No, the reality is that people like you are helping to craft that very future by refusing to stop supporting the Democrats for even a moment.

    Even if stopping for that moment is what is needed to turn the party back into a workers party, and not one that is entirely beholden to it’s donor class, because they know the rubes will vote for them no matter what they do.

    • VubDapple@lemmy.world
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      6 months ago

      If you are not inclined to want fascist leaders, and assuming you are a person and not a troll, how do you imagine ceasing to support the less fascist party during an election year will result in less fascism?

      • circuscritic@lemmy.ca
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        6 months ago

        We are only driving in one direction. The GOP keeps their pedal to the floor, while the Democrats have been happy just to ease up the gas a little - but not slam on the brakes.

        You’re saying that it’s better to support the Democrats and delay the inevitable arrival at destination Facism.

        I’m saying if ever want to hope to flip a removed, or even just find an off-ramp, the Democratic party has to be retrained on who they respond to. The only way to do that is to make them more responsive to their voters, then to their donors.

        When facing down the barrel of the unlimited donations and super PACS of their donor class, the only weapon we have is solidarity in not supporting them, until they learn.

        Taking a little medicine now, but with the chance to actually turn this car around, is worth the risk when the other option is just delayed full tilt facism, with occasional letting off the gas for the new Tea Party Democrats, if they aren’t already outlawed by that point.

          • Serinus@lemmy.world
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            6 months ago

            If we’re waiting for one party to collapse, it should probably be the fascists.

            • GreyEyedGhost@lemmy.ca
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              6 months ago

              Likewise, a concerted effort should be able to change the direction of a party. I honestly can’t say if that’s feasible in American politics.

              • Serinus@lemmy.world
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                6 months ago

                It’s happened multiple times in the past couple decades. Look at how the tea party took over the Republican party. There have also been the blue dog democrats and the Bernie social Dems. They haven’t taken over the way the tea party has, but they’ve both tugged at the direction of the party.

        • theparadox@lemmy.world
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          6 months ago

          …and if they instead decide that the left cannot be depended on and start courting voters more to the right?

          I honestly felt how you feel. I just don’t think it’s historically worked that way.

          Push local reps to the left and Primary the centrists. I’m all for it… but going home because your guy isn’t on the ballot is playing a dangerous game right now.

          If the country can handle a Republican win, then go back to staying home in protest. But I think, especially at this point in time, that a Trump win would spell the end of American democracy.

          • circuscritic@lemmy.ca
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            6 months ago

            You realize that courting the right, and destroying the left, has been the current Democratic party establishments playbook for quite a while already…right?

            That was actually part of the Hillary Clinton’s campaign strategy. But don’t take my word for it, go read up on their well documented belief that they could give up on rural and bluecollar democrats, and replace them with “moderate GOP voters” from the suburbs.

            Hint: it didn’t work.

            So… you’re counterpoint is that if I don’t support them, they’ll just keep doing what they’re already doing?

            I disagree. They’re behave like that because they can. Because despite their base despising their donor first agenda, the base still turns out for them, more or less.

            The only way to correct that, is to retrain them on who’s needs they need to be responsive to. Absent becoming a billionaire who supports the 99%, the only way is to not support them, and be vocal about why.

            • theparadox@lemmy.world
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              6 months ago

              So… you’re counterpoint is that if I don’t support them, they’ll just keep doing what they’re already doing?

              Yes, that’s my point exactly.

              The only way to correct that, is to retrain them on who’s needs they need to be responsive to. Absent becoming a billionaire who supports the 99%, the only way is to not support them, and be vocal about why.

              Here is the painful truth that I realized back when I thought the way you do: They don’t give a flying fuck about us. We’re not numerous enough to sit out, be vocal, and hope they feel our absence. They didn’t in 2016. They didn’t in 2020. They won’t in 2024. We’re too fringe and too few. They just see us as fickle and hard to please extremists. We’d need to bring way more mainstream people with us to be heard. Hell, Gaza is actually getting some mainstream attention and Biden is still blocking UN action and sending Israel billions in weapons.

              The average democrat voter is more than willing to guzzle the party’s liberal bullshit. Catering to “independents” and the disillusioned right pulls in more than enough votes to outweigh the left vocally sitting out. Have you watched any mainstream media?

              We need to change the party from within. Be present and involved. Vote in primaries for leftists and support them. Run in the primaries if there aren’t leftists. The thing is that most voters want leftist policies once they understand how they’ll benefit from them.

              In the meantime, there legitimately may not be an election in 2028 if this fucking psychopath wanna be mob boss gets another shot at a coup. It won’t fucking matter after that - making political change will take civil war.

              • circuscritic@lemmy.ca
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                6 months ago

                You mean vote in the Presidential primary that the DNC cancelled this year?

                Or did you mean, ignore that they cancelled it, and just vote for Biden like a good little lemming?

                Don’t be so hysterical. Trump is bad, and I’m under no illusion what another term of his would be like, but he’s far too stupid and petty to “end democracy”, the Democrats are doing fine at doing that themselves.

                I’m not some young radical. I’ve been through many cycles, and I’ve worked on more campaigns then most of people have voted in.

                And yes, I’ve worked inside the DNC apparatus and been around contemporary Democratic machine politics nearly my entire life. I have a pretty good idea of what these people are like, because I’ve known a whole lot of them.

                • theparadox@lemmy.world
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                  6 months ago

                  You mean vote in the Presidential primary that the DNC cancelled this year?

                  You are not arguing in good faith. I obviously mean every fucking Democratic primary in the country… Jesus fuck.

                  Or did you mean, ignore that they cancelled it, and just vote for Biden like a good little lemming?

                  I mean make sure it doesn’t fucking happen in the future. NOT voting is what the Democratic party expects the left to do. NOT voting is exactly what the right wants you to do. Hell, I’m half convinced that’s your goal to begin with. We live in fucked up times with misinformation and manipulation via social media is a powerful tool.

                  Don’t be so hysterical. Trump is bad, and I’m under no illusion what another term of his would be like, but he’s far too stupid and petty to “end democracy”, the Democrats are doing fine at doing that themselves.

                  he’s far too stupid and petty to “end democracy”

                  I’m sorry, do only smart and reasonable people have the ability to end democracy? The only reason he didn’t fucking steal the White House already is because he was to stupid and petty to do it right the first time and the old right wing powers thought he was making them look bad.

                  This time, they realized he’s barely suffered any consequences and they are going all in. He’s their shot. They’ll suck his dick and hand him a crown as long as it gets them in the door and keeps them in power. He’ll do what they want - appoint the judges, issue the executive orders, whatever - so long as he gets that crown and his pile of cash.

                  Even if Trump manages to peacefully transfer power after an election in 2028, the United States will no longer be a democracy. I’m honestly scared to death of what a less stupid, less petty right wing president could do with the structure the right has been using Trump to put in place. Too much damage will already have been done.

                  Put out the fire now, do whatever it takes to make sure the lesser of two evils wins, and fix the Democratic party from within. Hell, fix the voting system and go third party, I don’t care. Its not like I’m not sick of this shit too. I can’t fucking wait for a time when the D’s don’t have the trumppocalypse to scare voters into giving them a pass for their bullshit.

                  I’m not some young radical. I’ve been through many cycles, and I’ve worked on more campaigns then most of people have voted in.

                  And yes, I’ve worked inside the DNC apparatus and been around contemporary Democratic machine politics nearly my entire life. I have a pretty good idea of what these people are like, because I’ve known a whole lot of them.

                  Doubt.

                  • circuscritic@lemmy.ca
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                    6 months ago

                    https://www.washingtonpost.com/opinions/2024/01/23/biden-primaries-unchallenged/

                    Yes, they effectively rigged the Presidential primary this cycle for Biden. It wasn’t really a secret, was widely covered, and if you aren’t aware of that, I don’t think you’re informed enough to even have this conversation.

                    I genuinely don’t care if you believe me. It wasn’t an appeal to authority to get you to change your mind. It was in response to your patronizing “I used to be like you” schtick.

                    I never said don’t vote, not once. I haven’t even appealed to others to follow my lead in not supporting Biden.

                    I have laid out some of my reasons for not supporting Biden, and that is what you find so offensive.

                    “The lesser of two evils” game will never end. That is the fire, that is how we got Trump in the first place. Continuing to breath life into the existing DNC isn’t going to put it out, it’s just going to fan the flames.

                    Wake up and smell smoke.

                  • circuscritic@lemmy.ca
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                    6 months ago

                    Well, considering that he lost then, and then lost again the same way 4 years later, he’s not really the benchmark of effective political strategy that you’re acting like he is.

    • Flying Squid@lemmy.world
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      6 months ago

      Who specifically should I vote for that has a chance of beating Donald Trump in November?

      Give me a name.

      • circuscritic@lemmy.ca
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        6 months ago

        Vote for whoever you want.

        My responses were directed at people commenting, unprompted, about how anyone who doesn’t support Biden, or buy into his campaign messaging, are either closeted Trump supporters, tankies, or (my personal favorite) foreign socket puppet accounts i.e. Russian bots.

        Because obviously they can’t be lifelong Democrats who are fed up with current Democratic establishment and see the threat they pose if left unchanged - precisely because we NEED an actual strong leftwing workers party to stand against the GOP.

        So, again, you do whatever your conscience tells you.

        If your comfortable with a Democratic party that is already fully run by neoliberals, crushes leftists, and only moves further to the right each election, then keep supporting them. That’s on you.

        Myself, I am going to see which option the Democrats are MOST concerned with i.e. uncommitted vs blank vs a specific 3rd party candidate.

        I will also continue to support most of my local and statewide progressive candidates, because I do care, and I’m not whatever fantasy the Biden supporters have concocted so they can dismiss people like me without giving these idea any real thought.