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  • MIL-OSI: Best Bad Credit Loan Providers with Guaranteed Approval & No Credit Check Required

    Source: GlobeNewswire (MIL-OSI)

    Charleston, May 12, 2025 (GLOBE NEWSWIRE) —

    In This Article, You’ll Discover:

    • How to find the best bad credit loan providers with guaranteed approval and no credit check required in 2025
    • Why MoneyMutual stands out as a leading online loan marketplace for emergency borrowing
    • What specific features make a no credit check loan safe, fast, and accessible
    • The exact steps to apply for a bad credit personal loan using MoneyMutual’s three-step system
    • Real-world borrower scenarios that highlight how these loans solve urgent financial challenges
    • A detailed comparison of MoneyMutual vs. other major providers in the bad credit loan space
    • Legal risks, APR concerns, and repayment ethics every borrower should know
    • Disclaimers, pricing caveats, and security policies to ensure readers make informed financial choices

    TL;DR: Best Bad Credit Loan Providers with Guaranteed Approval & No Credit Check Required

    For borrowers with poor or no credit history, accessing traditional financing can feel impossible. This article explores the top options for bad credit loans with guaranteed approval and no credit check required, focusing on MoneyMutual as a trusted and fast-access loan matching platform.

    The content explains how MoneyMutual connects users with a broad network of third-party lenders offering emergency loans, short-term funding, and installment loans for bad credit, all through a simple, secure application. It also compares MoneyMutual with other major platforms, outlines borrower risks, and includes legal disclaimers to ensure ethical borrowing.

    If you’re seeking fast, discreet, and flexible financing, especially when time and credit are working against you, this article breaks down everything you need to know.

    Introduction

    Why Getting a Loan with Bad Credit Feels Impossible

    For millions of Americans, trying to get approved for a loan with bad credit feels like hitting a brick wall. Whether it’s due to unexpected medical bills, a layoff, or an emergency expense that spiraled into debt, many people are locked out of traditional financial options. Banks often demand high credit scores, extensive paperwork, and collateral—leaving those with less-than-perfect histories out in the cold.

    That’s where specialized bad credit loan providers with guaranteed approval and no credit check required step in to meet real-world needs. These platforms have grown in popularity by offering flexible lending solutions, fast approvals, and fewer barriers to access.

    The Rise of Fintech Loan Marketplaces

    Modern digital platforms have revolutionized how consumers access credit. Platforms like MoneyMutual now make it possible for borrowers to connect with a wide network of short-term lenders in a matter of minutes—all without requiring a traditional credit score. With the rise of AI-powered lender matching, soft credit checks, and same-day funding, borrowers now have more control over how and when they get the money they need.

    Unlike legacy banks, these platforms focus on what matters most: speed, privacy, and approval—even if your credit score is low or non-existent. This makes them a go-to solution for people looking for emergency loans, cash advances, and installment loans for bad credit.

    Understanding the Real Pain Points of Borrowers

    The Financial Fallout of Poor Credit

    A bad credit score doesn’t just limit your borrowing power—it alters your entire financial trajectory. For many, it starts with a single unexpected event: a job loss, a medical emergency, or a missed credit card payment. Over time, these moments accumulate, pulling credit scores down and increasing the cost of living. With each drop in score, doors begin to close: housing becomes harder to secure, traditional bank loans become off-limits, and even getting a phone contract becomes a challenge.

    Borrowers facing poor credit often report feeling ashamed, anxious, or judged by traditional institutions. The systems in place weren’t designed with flexibility in mind. Banks and credit unions rely on rigid FICO models and automated rejection tools that fail to account for personal stories or financial recovery efforts.

    This leaves many with a dangerous lack of options when a financial emergency arises.

    The Emotional Toll of Financial Exclusion

    Financial hardship doesn’t just hurt your bank account—it impacts your mental health, relationships, and career. Studies have shown that those living paycheck to paycheck are more likely to suffer from anxiety and depression. Being denied repeatedly—whether it’s for a loan, a car lease, or even a small overdraft—creates a cycle of despair that can feel impossible to escape.

    Consumers often ask:

    • “Where can I get a loan if no one checks my credit?”
    • “Is there a fast way to get cash without being humiliated by my score?”
    • “Are there emergency loans for bad credit that actually approve people like me?”

    These are real questions from real people who need help—not judgment.

    Hidden Fees and Predatory Alternatives

    Unfortunately, those with bad credit are frequent targets of predatory lending schemes. Some payday loan storefronts and online scams promise instant cash but hide crippling interest rates in the fine print. Others demand upfront “processing fees” before vanishing entirely. This makes trust and transparency absolutely essential when searching for personal loans with no credit check or guaranteed approval loans.

    Reputable lending platforms like MoneyMutual aim to address these dangers by offering a free-to-use portal that matches users with trusted lenders—without hidden fees or obligations.

    Disclaimer: Loan approval is not guaranteed, and actual terms will vary by lender. Always read lender terms carefully before accepting a loan offer.

    When Life Doesn’t Wait: Real-Life Loan Triggers

    To better understand the needs of borrowers with bad credit, let’s explore some of the most common reasons people seek fast funding:

    • Medical Emergencies: Uninsured ER visits, prescriptions, or urgent procedures
    • Auto Repairs: Getting to work depends on fixing your vehicle
    • Rent and Utilities: Avoiding eviction or late fees in a cash-flow crunch
    • Family Crises: Funeral travel, helping relatives, or covering school costs
    • Unexpected Layoffs: Income gaps that savings can’t cover

    In these moments, people don’t have time for weeks of paperwork or judgment. They need quick loans for bad credit that offer same-day funding with minimal friction.

    Why Borrowers Turn to No Credit Check Loans

    Here’s why no credit check loans have become increasingly popular in 2025:

    • Speed: Applications take minutes. Some lenders fund within 24 hours.
    • Accessibility: Most require only basic information—no hard credit inquiry.
    • Discretion: Online applications avoid the embarrassment of in-person denials.
    • Control: Borrowers can choose from offers that fit their needs without obligation.

    This approach aligns with the growing demand for digital lending networks that respect borrowers’ time, privacy, and dignity.

    Bad credit? No problem. Apply now through MoneyMutual and get matched with lenders in minutes—no fees, no pressure, and no credit check required.

    How MoneyMutual Solves These Problems

    A Fast, Free, and Inclusive Loan Marketplace

    MoneyMutual was built with one mission in mind: to help people access short-term financial support when traditional lending systems fail them. With over 2 million users served and a trusted reputation in the bad credit loan space, it’s become one of the most popular online loan marketplaces in the United States.

    Unlike direct lenders that issue loans themselves, MoneyMutual acts as a secure digital bridge between borrowers and a network of vetted lenders. Their model is streamlined, transparent, and free to use.

    There are no hidden fees for submitting your information, and you are under no obligation to accept any loan offer presented through the platform.

    Disclaimer: MoneyMutual is not a lender and does not make credit decisions. Loan approval and terms are determined by individual lenders based on their own policies.

    Three Simple Steps to Getting Matched

    Here’s how the process works:

    Step 1: Submit Your Request

    You fill out a short form that includes basic information such as your name, address, source of income, and desired loan amount. No hard credit check is performed at this stage, so your credit score is unaffected.

    Step 2: Get Matched with Lenders

    MoneyMutual’s AI-powered loan-matching system searches through its network of lenders to find those most likely to approve your request. This process happens in real time, saving hours—or even days—compared to manually applying to multiple lenders.

    Step 3: Review and Accept an Offer

    If you’re matched, you’ll be redirected to the lender’s website to review the terms. You can then choose whether to accept the loan offer. Funds may be available as soon as the next business day if approved.

    This same-day funding capability is especially valuable for people facing urgent expenses like rent, medical bills, or car repairs.

    What Sets MoneyMutual Apart?

    Compared to other options in the bad credit loan marketplace, MoneyMutual excels in several critical areas:

    • No Upfront Fees: There is no cost to use the platform to connect with lenders.
    • Soft Credit Inquiries Only: The platform itself does not conduct a hard credit check.
    • 24-Hour Turnaround: Many lenders offer next-day funding.
    • Wide Network: Dozens of lenders available, increasing your chances of approval.
    • User Privacy: All information submitted is encrypted and handled securely.

    These strengths make it one of the best loan platforms for bad credit borrowers who need quick cash loans without jumping through bureaucratic hoops.

    Disclaimer: Loan amounts, interest rates, repayment schedules, and funding speeds may vary by lender. Always verify these details on the lender’s official website before proceeding.

    Target Borrower Profile

    MoneyMutual focuses on accessibility for a broad range of borrowers, including:

    • Individuals with credit scores below 600
    • People with no credit history at all
    • Self-employed individuals or gig workers
    • Borrowers who have been denied by banks or credit unions
    • Anyone who earns at least $800/month in verifiable income and is 18 years or older

    By catering to underserved demographics, MoneyMutual fills a critical gap in the lending space. Its process aligns with modern expectations for digital lending platforms—efficiency, transparency, and user control.

    No Strings Attached

    Just as important as what MoneyMutual offers is what it doesn’t. There’s no pressure to accept a loan if you’re not satisfied with the terms, and you’re free to walk away at any point. This is essential in a market where predatory lending is still common.

    MoneyMutual’s business model depends on satisfied users and trusted partners, which encourages them to maintain high transparency and ethical standards.

    Need cash fast but your credit score is low? Get started with MoneyMutual—free to use, no hard credit check, and funds may arrive in 24 hours!

    Core Features That Make MoneyMutual a Standout Choice

    Built for Speed, Security, and Simplicity

    When comparing online loan services, not all platforms are created equal. Some overpromise and underdeliver, while others bury high fees in the fine print. MoneyMutual distinguishes itself by offering a fast, secure, and transparent way to access short-term loans—even for those with poor or limited credit histories.

    Let’s break down the standout features that make MoneyMutual a preferred platform for millions of users seeking bad credit loans with guaranteed approval and no credit check required.

    No Upfront Fees, Ever

    One of the most reassuring aspects of MoneyMutual is that it’s completely free to use. You won’t be charged to fill out the form, get matched with lenders, or review loan offers. This eliminates the common red flag of “processing fees” or “application charges” that some predatory services use to exploit vulnerable borrowers.

    Instead, MoneyMutual earns compensation from participating lenders after a successful match—never from the consumer.

    Soft Credit Pulls Only

    A hard credit inquiry can lower your credit score, especially if you’re already on shaky ground. MoneyMutual protects users by limiting itself to soft credit checks when determining lender matches. This means you can explore your options without damaging your score—a critical advantage for borrowers actively working to rebuild their financial standing.

    Once you’re matched with a lender, that lender may conduct a hard pull before finalizing a loan. However, you’ll be notified of this step and can choose whether to proceed.

    Disclaimer: While MoneyMutual does not perform hard credit checks, individual lenders may do so if you move forward with a loan offer.

    Wide Network of Vetted Lenders

    Rather than relying on a single lending institution, MoneyMutual connects you to a broad network of third-party lenders. This increases your chances of approval and lets you compare multiple offers, interest rates, and repayment plans—all in one place.

    The platform is especially useful for those searching for:

    • Installment loans for bad credit
    • Emergency cash loans
    • No credit check personal loans
    • Short-term financial bridge funding

    This variety empowers users to make informed decisions rather than settling for the first available offer.

    Same-Day or Next-Day Funding Potential

    In emergency situations, speed is everything. With many lenders in MoneyMutual’s network, funds can be deposited in as little as 24 hours following loan approval. For urgent needs like rent payments, medical bills, or auto repairs, this can make all the difference.

    Just be aware that timing varies by lender, banking hours, and the time of day your application is processed.

    Disclaimer on Funding Timeframes: Next-day funding is typical but not guaranteed. Funding schedules depend on individual lender policies and bank processing times.

    High Standards for Privacy and Security

    Data security is non-negotiable in the digital age, especially when sharing sensitive financial information. MoneyMutual uses 256-bit encryption and strict internal protocols to ensure your data is protected from unauthorized access.

    Borrowers can feel confident that their information will not be misused or sold to unrelated third parties.

    Easy-to-Meet Eligibility Requirements

    You don’t need perfect credit, a high income, or collateral to qualify for matches. The basic requirements include:

    • Be at least 18 years old
    • Provide proof of $800/month income or more
    • Have a checking account in your name
    • Be a U.S. resident

    These accessible standards make it easier for individuals who are self-employed, freelancers, or rebuilding their financial lives to get approved.

    Don’t let bad credit hold you back. Use MoneyMutual to request up to $5,000 online—get matched with lenders who say YES without the hassle.

    Step-by-Step Application Walkthrough

    A Simple, Guided Process with No Confusing Paperwork

    One of the most appealing aspects of using MoneyMutual is how quick and straightforward the application process is. Unlike traditional banks that require long forms, in-person visits, or excessive documentation, MoneyMutual streamlines the journey into three efficient steps designed to connect borrowers with lenders in minutes—not days.

    Below is a full breakdown of what to expect when using the platform to apply for bad credit loans online with no credit check required.

    Step 1: Submit Your Basic Information

    Start by visiting the official MoneyMutual website and clicking on the “Get Started” button. You’ll be prompted to fill out a form requesting basic personal and financial details, including:

    • Full legal name
    • Email address and phone number
    • Date of birth (must be at least 18)
    • Estimated monthly income (minimum $800/month)
    • Employment status
    • Bank account information (to receive funds)

    No documents need to be uploaded at this stage, and you won’t need to provide a credit score.

    Important Note: MoneyMutual does not perform a hard credit check during this process. Submitting your information will not impact your credit score.

    Step 2: Get Matched with Lenders

    Once your form is submitted, MoneyMutual runs your details through its AI-powered matching algorithm to identify lenders that fit your profile. The matching system evaluates key factors such as income, employment status, and loan amount request to determine eligibility across the platform’s lender network.

    Within moments, you may be redirected to one or more offers from third-party lenders. You’ll be able to review each offer in full detail—including repayment terms, loan amount, interest rates, and fees.

    This stage is risk-free and comes with no obligation.

    Disclaimer: Not all applicants will receive a loan offer. Availability depends on the accuracy of the information submitted and individual lender criteria.

    Step 3: Choose an Offer and Finalize the Loan

    If you see an offer you like, click to proceed to the lender’s official site. Here, you may be asked to verify a few additional details or consent to a soft or hard credit inquiry depending on the lender’s policy.

    Once approved, you’ll receive a loan agreement that outlines all terms and repayment details. Be sure to review the following carefully:

    • Annual Percentage Rate (APR)
    • Loan term (in days, weeks, or months)
    • Payment schedule and amounts
    • Any applicable fees or penalties

    If you accept, your funds may be deposited as soon as the next business day.

    Disclaimer on Pricing and Terms: Always confirm the final loan offer on the official lender website, as rates, fees, and conditions vary. Pricing is subject to change at any time and may differ based on your location and lender’s terms.

    Stuck with poor credit and urgent bills? Get your loan request in now through MoneyMutual—fast, secure, and no obligation to accept.

    Comparing MoneyMutual to Other Top Providers

    A Crowded Market — But One Clear Leader

    With the growing demand for bad credit loans with guaranteed approval and no credit check required, a wide range of platforms have entered the market claiming to offer quick cash with minimal requirements. However, while the offers may sound similar, not all services deliver on their promises.

    MoneyMutual has emerged as a standout option in this increasingly competitive space due to its consistent performance, user-friendly experience, and borrower-first model. To help you understand why it ranks so highly, let’s compare it to other leading platforms in the market: BadCreditLoans.com, CashUSA, and PersonalLoans.com.

    How MoneyMutual Measures Up

    Unlike other platforms, MoneyMutual does not perform a hard credit check during the matching process. That means borrowers can explore options with confidence, knowing their credit score won’t be negatively impacted. Competing platforms like BadCreditLoans.com and CashUSA often work with lenders that require at least a soft or even hard inquiry before extending an offer, which can be a deterrent for borrowers already dealing with poor credit.

    When it comes to income requirements, MoneyMutual is more accessible. Users need only verify a monthly income of $800 to get started, while other platforms often require $1,000 or more in consistent income. This difference can make or break someone’s ability to qualify when dealing with gig work, part-time jobs, or fluctuating freelance income.

    Speed of funding is another area where MoneyMutual excels. Borrowers frequently report receiving funds within 24 hours of accepting a loan offer. Competing services may require 1 to 3 business days to finalize the funding process, depending on lender policies and banking hours.

    Loan amount ranges are competitive across all platforms. While some providers like PersonalLoans.com may offer higher caps—up to $35,000—they also cater more toward individuals with fair to good credit and require more extensive paperwork. In contrast, MoneyMutual focuses on short-term emergency loans ranging from $200 to $5,000+, often with fewer barriers to approval.

    The overall application experience is smoother with MoneyMutual. It takes less than five minutes to fill out the form, while competitors often have longer applications that may require supporting documents or multiple stages of verification.

    Why MoneyMutual Is Still the Top Choice

    MoneyMutual leads the pack by offering:

    • No application fees
    • Soft credit pull only
    • Fast approvals and funding—often within 24 hours
    • Lower income threshold for eligibility
    • A seamless, under-five-minute application

    These features make it one of the best platforms for no credit check loans and emergency cash solutions in 2025.

    Disclaimer: Approval criteria, loan terms, interest rates, and funding speeds vary by lender. Always verify loan details directly with the lender before accepting any offer.

    Where Other Platforms Compete

    It’s worth noting that platforms like PersonalLoans.com may be better suited for individuals seeking larger amounts or more structured installment loan options. CashUSA and BadCreditLoans.com also offer debt consolidation loans and longer-term repayment plans, which could be helpful for some borrowers with slightly better credit standing.

    However, for fast, short-term relief with minimal requirements, MoneyMutual continues to be a top-ranked option, especially for borrowers who prioritize ease of use, speed, and accessibility over loan size or long-term structuring.

    Get the cash you need—without the judgment. Apply with MoneyMutual in under 5 minutes and see your matched offers instantly!

    Real-World Case Studies & Testimonials

    Real Borrowers. Real Situations. Real Solutions.

    Behind every loan application is a personal story. When facing financial hardship, what borrowers often need most—aside from funds—is a service they can trust. While MoneyMutual doesn’t publicly list individual reviews on its site, many borrowers have shared their experiences across third-party platforms and forums. These narratives help illustrate how no credit check loans with guaranteed approval can make a difference in real-life situations.

    Here are three fictionalized, yet representative, borrower profiles that reflect the kind of users turning to MoneyMutual in times of need.

    Case Study 1: Emergency Car Repair for a Delivery Driver

    Name: Angela R.

    Location: Columbus, OH

    Situation: Angela works for multiple food delivery apps to support her household. When her car’s transmission failed unexpectedly, she faced several days of missed income. Traditional lenders declined her due to a credit score below 580.

    Solution: Angela found MoneyMutual and submitted a request during her lunch break. She was matched with a lender offering a $1,100 short-term loan and approved without a hard credit inquiry. The funds were deposited the next day, allowing her to pay for the repair and return to work.

    “I didn’t have time to wait around. I needed the money fast and didn’t want to explain my credit score to a bank. This platform came through.”

    Case Study 2: Keeping the Lights On After a Layoff

    Name: Marcus T.

    Location: Fresno, CA

    Situation: After being laid off unexpectedly, Marcus faced immediate pressure to cover rent and utility bills. He had no savings, and unemployment benefits hadn’t yet kicked in. With past medical debt lowering his credit, his bank declined his personal loan application.

    Solution: Marcus used MoneyMutual to submit a quick loan request. Within 10 minutes, he received an offer from a lender who was willing to fund $950 with weekly installments. The money helped him avoid service disconnection and late rent fees.

    “MoneyMutual gave me options when I felt like I had none. It didn’t fix everything—but it bought me time, and that meant everything.”

    Case Study 3: Medical Bills Without Insurance

    Name: Sierra H.

    Location: Jacksonville, FL

    Situation: Sierra had an emergency dental issue and no insurance coverage. The out-of-pocket cost for the procedure was over $800, and she needed to secure funds quickly to proceed with treatment.

    Solution: Through MoneyMutual’s platform, she found a lender that offered a $1,000 loan with bi-weekly repayment terms. She accepted the offer and was able to pay for the procedure without delaying care.

    Disclaimer: Loan terms, rates, and approval are determined by individual lenders. These case studies are illustrative examples based on common borrower use cases and do not guarantee outcomes.

    Key Takeaways from Borrower Experiences

    Across all three cases, borrowers turned to MoneyMutual because they:

    • Needed fast funding without delays
    • Had low credit scores or no credit history
    • Wanted a discreet and simple online experience
    • Valued the ability to review loan terms before committing

    These experiences reflect the growing demand for emergency loans for bad credit, where speed, trust, and flexibility matter more than anything else.

    Facing rent, repairs, or bills? Submit your free loan request with MoneyMutual today—no upfront fees, no hard credit pulls, just fast matches.

    Business and Purchasing Details

    MoneyMutual Is a Connector, Not a Lender

    One of the most important things to understand when using MoneyMutual is that it is not a direct lender. Instead, it functions as a free-to-use loan matching service that connects borrowers with a network of third-party lenders. You won’t receive a loan directly from MoneyMutual, but the platform plays a key role in speeding up the process of finding legitimate offers from trusted providers.

    This structure gives borrowers a wider range of choices while reducing the time and effort it would normally take to apply with multiple lenders individually.

    Disclaimer: MoneyMutual does not guarantee loan approval, set interest rates, or manage repayment terms. All financial agreements are between the borrower and the third-party lender.

    How MoneyMutual Makes Money

    MoneyMutual does not charge consumers to submit loan requests or receive matches. Instead, it earns a referral fee from lenders in its network when a user accepts a loan offer. This business model allows the platform to remain 100% free for borrowers, with no hidden fees or obligations.

    This also incentivizes MoneyMutual to maintain a trusted and reputable lender network—as both borrower satisfaction and lender success directly affect their platform’s performance.

    Loan Offer Terms and Structure

    After submitting your information, you may be matched with lenders offering:

    • Loan amounts typically ranging from $200 to $5,000+
    • Short-term repayment plans (sometimes from 2 weeks to a few months)
    • Interest rates that vary significantly based on state regulations, lender criteria, and your financial profile

    Because these are third-party offers, each loan will come with its own set of terms and conditions. Before accepting, be sure to read:

    • APR and total cost of the loan
    • Repayment schedule
    • Fees, including late penalties or rollover charges

    Disclaimer on Pricing: All interest rates and fees are determined by individual lenders. Pricing is subject to change at any time. Always check the lender’s official website for final terms before accepting an offer.

    Return Policies, Cancellations, and Repayment

    Since MoneyMutual is not the lender, it does not handle returns, cancellations, or payment disputes. Once you agree to a loan, you must coordinate directly with the lender regarding:

    • Early payoff options
    • Payment method changes
    • Missed payment assistance
    • Cancellation before funding (if allowed)

    Lender-specific policies will be detailed in the loan agreement you receive before signing. If you’re unsure about anything, it’s a good idea to contact the lender directly using the contact details provided during the offer stage.

    Customer Service and Contact Info

    While MoneyMutual doesn’t offer loan-specific support, it does have customer service available for platform-related inquiries. You can reach them by visiting the official site and submitting a message through their contact form.

    Always keep a copy of your loan agreement and correspondence with the lender in case you need support later on.

    Your credit score doesn’t define your future. Apply now with MoneyMutual and access emergency loans from real lenders who listen.

    Risk Factors, Legal Disclaimers, and Borrowing Ethics

    Know the Risks Before You Borrow

    While MoneyMutual makes it easier to access bad credit loans with no credit check and guaranteed approval, it’s essential for borrowers to understand the risks that come with these types of loans. Because they are often short-term and high-interest, they can become burdensome if used irresponsibly or without a clear repayment plan.

    Loans arranged through MoneyMutual are most often intended to be emergency financial tools, not long-term financial solutions. Misusing them can lead to a cycle of debt, especially when high-interest rates are combined with frequent rollovers or renewals.

    High APRs and Short Repayment Windows

    One of the biggest concerns in the bad credit loan space is the potential for very high annual percentage rates (APRs). Lenders may charge significantly more than traditional banks because they are taking on what they perceive as higher risk.

    APR ranges vary, but it is not uncommon to see rates above 100% for short-term loans. Repayment schedules are usually tight—sometimes as short as two weeks to one month—especially for payday-style offers.

    Disclaimer: Loan APRs and repayment terms are set by individual lenders. Always review the full loan agreement before accepting. Pricing, fees, and conditions may change. Visit the lender’s official website for the most accurate and current information.

    If you miss a payment or are late, lenders may assess additional fees or automatically renew the loan with added interest. This is why it’s crucial to understand all loan terms upfront and never accept a loan if you’re unsure you can meet the repayment schedule.

    Legal Compliance and State Restrictions

    It’s also important to know that not all lenders work in every U.S. state. For example, MoneyMutual explicitly notes that its services are not available to residents of New York and Connecticut due to local lending laws. Other restrictions may apply depending on your location, so it’s essential to read eligibility requirements carefully.

    MoneyMutual itself complies with federal and state regulations by acting solely as a loan referral service, not a lender or broker. However, the third-party lenders you connect with are responsible for ensuring their loans meet legal standards.

    Disclaimer: Lending laws vary by state. Borrowers should always ensure that any loan offer they receive complies with state and federal regulations. When in doubt, consult with a licensed financial advisor or legal professional.

    Ethical Borrowing: Best Practices

    To use platforms like MoneyMutual responsibly, borrowers should:

    • Only borrow what they truly need
    • Create a repayment plan before accepting any loan
    • Avoid “stacking” multiple short-term loans from different lenders
    • Use loan funds for essentials (housing, food, medical, transportation)
    • Keep copies of all loan documents and communications

    Borrowing ethically means not using short-term funding as a long-term crutch. When used wisely, these loans can serve as a bridge over temporary hardship—but they should never be viewed as income replacement.

    If You Can’t Repay

    If you’re struggling to repay your loan, contact the lender immediately. Many lenders offer hardship plans or restructuring options if you’re proactive. Ignoring your payments can lead to collections activity, credit score damage, and further financial stress.

    MoneyMutual does not handle repayment disputes, but most lenders will include customer service contact details in the loan agreement. Utilize those resources as soon as issues arise.

    Life happens. When it does, MoneyMutual helps you get up to $5,000 fast—even with bad credit. No cost to apply, no pressure to commit.

    Conclusion: Why MoneyMutual Is the Top Choice for 2025

    A Trusted Option in a Crowded Field

    In a world where financial emergencies can strike without warning—and where traditional banks often shut the door on those with bad credit—MoneyMutual continues to prove why it’s one of the most trusted online loan marketplaces for Americans in need.

    Whether you’re facing a sudden medical expense, trying to keep the lights on during a layoff, or simply need a short-term financial cushion, the ability to access no credit check loans with guaranteed approval in minutes—not days—is a powerful lifeline.

    MoneyMutual is built for this exact purpose: to offer realistic, fast, and flexible lending access for borrowers who’ve been shut out by the traditional system.

    Why Borrowers Keep Choosing MoneyMutual

    Let’s recap what makes MoneyMutual a leading platform in 2025:

    • No upfront costs to use the service
    • Soft credit checks only—no impact on your credit score during the request stage
    • Lightning-fast approvals, often with next-day funding
    • Low income requirements, starting at just $800/month
    • Secure, encrypted platform that protects your data
    • A wide network of lenders, improving your chances of getting matched

    These features make it not only accessible but also practical for those who need fast, discreet, and legitimate financial solutions.

    Designed for Real People with Real Needs

    Unlike lenders that make promises they can’t keep, MoneyMutual operates as a transparent, consumer-first platform. It doesn’t trap users in deceptive fee structures or aggressive repayment models. Instead, it provides borrowers with real choice and real control.

    And with a clean, mobile-friendly interface and under-five-minute application process, it’s one of the easiest ways to explore emergency loans for bad credit—especially when you need to act fast.

    Disclaimer on Pricing: Loan amounts, interest rates, and repayment terms vary by lender. Always check the official lender site for final pricing details. Terms and conditions are subject to change at any time.

    Final Word: Know Before You Borrow

    While MoneyMutual offers unmatched ease and speed, it’s still important to review each loan offer carefully, ask questions if needed, and only borrow what you can afford to repay. Using short-term loans responsibly can help you regain control of your finances without falling deeper into debt.

    If you’re ready to take control of your financial emergency and explore safe, reliable options for bad credit loans with no credit check, MoneyMutual is one of the best platforms available in 2025.

    Visit the official site today to get started and explore your options in minutes.

    Need a no credit check loan today? Start with MoneyMutual’s free, secure form and connect with lenders ready to fund you—fast.

    Frequently Asked Questions (FAQ)

    What are the best loan providers for bad credit with guaranteed approval?

    The best bad credit loan providers with guaranteed approval offer fast applications, soft credit checks, and access to a network of lenders. MoneyMutual is a top-rated platform because it connects borrowers to vetted lenders in minutes with no upfront fees and high match success rates—ideal for emergency loans with no credit check.

    Note: While MoneyMutual facilitates fast matches, approval and funding depend on individual lender requirements.

    Can I get a personal loan with no credit check at all?

    Yes, some lenders in the MoneyMutual network offer personal loans with no credit check, meaning they base approval on income and employment instead of credit history. These loans are designed for borrowers with poor or no credit who need fast access to cash.

    Disclaimer: While MoneyMutual does not conduct hard inquiries, some lenders may do a soft or hard pull before disbursing funds. Review terms carefully before accepting any offer.

    How fast can I get a bad credit loan through MoneyMutual?

    MoneyMutual’s loan request process takes just a few minutes, and many users receive funding from matched lenders within 24 hours. This makes it one of the fastest options for bad credit loans with guaranteed approval in 2025.

    Reminder: Speed of funding depends on the lender, banking hours, and time of application. Same-day funding is not guaranteed.

    Are these no credit check loans safe and legitimate?

    Yes, when used through a reputable platform like MoneyMutual, these no credit check loans are legitimate. The platform works with trusted third-party lenders and uses bank-level encryption to protect user data. It does not charge consumers to use its services or collect upfront fees.

    What’s the catch with guaranteed approval loans for bad credit?

    There is no “catch” when using a credible platform, but it’s important to note that guaranteed approval typically refers to high match potential—not automatic loan funding. Lenders may still have specific requirements such as minimum income or verified employment. Interest rates may be higher due to the risk profile.

    Important: Always read the full loan terms. Borrow only what you can afford to repay.

    Can I use a loan from MoneyMutual to pay off other debt?

    Yes. Many borrowers use installment loans for bad credit to consolidate other high-interest debts. If approved, you can apply your funds to credit card bills, overdue utilities, or payday loan balances—helping you regain financial control.

    Is MoneyMutual really free?

    Yes. MoneyMutual is 100% free to use. You won’t pay anything to submit a request or get matched with a lender. Any repayment obligation comes directly from the loan terms set by the lender—not the platform itself.

    What if I can’t repay my loan on time?

    If you’re concerned about repayment, contact the lender immediately. Many lenders offer hardship programs or flexible scheduling. Ignoring payments may result in late fees or collection efforts. Always read the loan agreement in full to understand your responsibilities before signing.

    Denied by banks? You’re not out of options. Use MoneyMutual now to find real lenders who approve real people—no matter your credit score.

    • Company: MoneyMutual
    • Address: 2510 E. Sunset Rd. Ste 6, #85 Las Vegas NV, 89120
    • Email: customerservice@moneymutual.com
    • Phone Support: 844-276-2063

    Legal Disclaimer and Affiliate Disclosure

    This article is for informational and educational purposes only and does not constitute financial, legal, or professional advice. The information presented is based on publicly available data and third-party sources believed to be accurate at the time of publication; however, no guarantees are made regarding the completeness, accuracy, or reliability of the content.

    Loan products, interest rates, terms, and availability are determined by third-party lenders and are subject to change without notice. Readers are strongly encouraged to conduct their own due diligence and consult with a licensed financial advisor or legal professional before making any financial decisions.

    The platform referenced in this article, MoneyMutual, is not a direct lender and does not issue loans or make credit decisions. Instead, it serves as a loan connection service, matching users with independent lenders. The acceptance of a loan offer, the terms of repayment, and any resulting financial agreements are exclusively between the borrower and the lender.

    This content may include references or links to affiliate programs. If a reader clicks a link and subsequently takes an action—such as completing a loan inquiry or accepting a financial offer—the publisher may earn a commission at no additional cost to the reader. This compensation has no influence on the content’s objectivity, and all opinions presented are strictly editorial.

    By reading this article, users acknowledge that:

    • They are responsible for independently verifying all loan details before accepting any offer.
    • The article is not offering personalized financial guidance.
    • The publisher, contributors, and syndication partners are not liable for any actions taken based on the information provided, nor for any loss or damages—financial or otherwise—that may result.

    All trademarks, logos, and brand names mentioned are the property of their respective owners. References to third-party products or services are for identification purposes only and do not constitute endorsements.

    Always refer to the official website of the loan provider for the most accurate and up-to-date product terms, pricing, and eligibility requirements.

    The MIL Network –

  • MIL-OSI USA: Cornyn Calls for Release of Texan David Barnes from Russia

    US Senate News:

    Source: United States Senator for Texas John Cornyn
    WASHINGTON – U.S. Senator John Cornyn (R-TX) today called for the release of Texan David Barnes, who has been wrongfully detained in Russia for more than four years, following recently-freed Russian prisoner Ksenia Karelina’s letter to President Donald J. Trump urging the safe return of Barnes and two other Americans being held by Russia:
    “David Barnes, a Texas father of two sons, has been detained in Russia for far too long under charges already proven to be false, and it is past time for him to be released,” said Sen. Cornyn. “I urge President Trump and Secretary Rubio to prioritize efforts to bring David and all wrongfully-detained Americans throughout the world home.”
    Background:
    In 2015, David Barnes was accused by his ex-wife of sexually abusing his two sons in Texas, one of whom has Russian nationality. An investigation found the accusation to not be credible, and no charges were filed against Barnes in the United States. During an ongoing child custody battle in 2019, his ex-wife fled to Russia with the children. A Texas court designated Barnes as the primary guardian of his sons, his ex-wife was indicted for interference with child custody, and a warrant was issued for her arrest in Texas. In 2022, Barnes traveled to Russia to regain contact with his sons and was arrested by Russian police, who had been informed by his ex-wife of the child sexual abuse accusations in Texas. In 2024, a Russian judge sentenced Barnes to 21 years in prison.
    Sen. Cornyn has been in contact with the State Department regarding Barnes’ case and has remained in consistent communication with Global Reach, an advocacy organization that is working to call attention to this case.

    MIL OSI USA News –

  • MIL-OSI USA: WATCH: Padilla, Housing California Host Statewide Panel on Federal Solutions to Reduce Homelessness and Expand Affordable Housing Access

    US Senate News:

    Source: United States Senator Alex Padilla (D-Calif.)

    WATCH: Padilla, Housing California Host Statewide Panel on Federal Solutions to Reduce Homelessness and Expand Affordable Housing Access

    WATCH: Padilla highlights need for transformative solutions like his Housing for All Act
    WASHINGTON, D.C. — Today, U.S. Senator Alex Padilla (D-Calif.) and Housing California hosted a virtual media briefing alongside a panel of California statewide housing partners to highlight how federal resources and policies support community and organizational efforts to reduce homelessness and increase access to affordable housing across the state. Padilla and the panel elevated stories and examples of how sustained investments and partnerships from the federal government in housing programs — which now face extreme budget cuts — can and have helped address our housing crises. The conversation featured housing and homelessness community leaders and authorities from Los Angeles, the Bay Area, San Diego, Sacramento, and the Central Valley.
    Senator Padilla discussed his Housing for All Act, a comprehensive approach to help address the homelessness and affordable housing crises in California and across the nation. The legislation would invest in proven solutions to address affordable housing shortages and provide a historic level of federal funding for both existing programs to reduce homelessness and innovative, locally developed solutions to help vulnerable populations experiencing homelessness.
    A one-pager on the Housing for All Act is available here. 
    “With so many Californians and Americans struggling to afford housing, the last thing the Trump Administration should be doing right now is taking away resources and impeding progress toward addressing our homelessness and housing crises. I will keep sounding the alarm on efforts to weaken housing services Californians rely on, but it’s not enough just to stop cuts. We also need a proactive plan to increase the housing supply in America,” said Senator Padilla. “That’s why I reintroduced my Housing for All Act — a bill to make historic federal investments in federal housing programs and creative solutions that cities and states across the country have already deployed. There are real, scalable, and creative housing solutions out there: we just need to provide the resources.”
    “Today, our state and our country are facing a growing crisis of housing affordability. We have a choice: to retreat, or to meet this moment with bold investments in our collective future. We are calling on our leaders at all levels of government to invest at the scale this moment demands. Working together, we can make sure that every person in this country has access to that most basic human need: a safe, affordable place to call home,” said Chione Flegal, Executive Director, Housing California.
    The lack of affordable housing access and the population of individuals experiencing homelessness are growing crises impacting Americans nationwide, disproportionately hurting communities of color and low-income communities. In California, an estimated 187,000 individuals and families experienced homelessness on a single night last year, two thirds of whom were unsheltered. According to the National Low Income Housing Coalition’s recent Out of Reach 2024 Report, no state or county exists where a person working 40 hours a week and earning the state or local minimum wage can afford to rent a modest two-bedroom apartment.
    Senator Padilla believes everyone deserves access to affordable and safe housing and recognizes the need to drastically increase the affordable housing stock to address the homelessness crisis facing California and the country, including through his Housing for All Act. Last month, Padilla joined San Francisco Mayor Daniel Lurie to tour a local affordable housing facility for low-income seniors and highlight federal and local solutions to help address the city’s housing and homelessness challenges. Padilla also introduced the bipartisan Housing Unhoused Disabled Veterans Act to ensure veterans experiencing homelessness and receiving disability payments maintain access to crucial housing support. In the aftermath of the Los Angeles fires, he introduced the bipartisan Disaster Housing Reform for American Families Act to expedite, expand, and improve temporary housing available to victims of disasters like wildfires and storms.
    Padilla has fought against the Trump Administration’s proposals to cut Department of Housing and Urban Development (HUD) staff and field offices who help provide crucial housing services. Padilla and U.S. Representative Emanuel Cleaver, II (D-Mo.-05) recently led more than 100 Democrats in the Senate and House in condemning staffing cuts and potential closures of HUD field offices across the country. Earlier this year, Senator Padilla sounded the alarm that these wide-ranging cuts would hamper HUD’s ability to support vulnerable communities and address the housing and homelessness crises. He also helped secure a Government Accountability Office investigation into how these cuts will impact the federal government’s ability to enforce the Fair Housing Act.
    Video of Senator Padilla’s remarks is available here and can be downloaded here.
    Video of the full briefing is available here and can be downloaded here.

    MIL OSI USA News –

  • MIL-OSI NGOs: ‘Tinkering at the edges’: Woodside’s revised Browse plans fail to mitigate Scott Reef risk

    Source: Greenpeace Statement –

    SYDNEY/PERTH, Tuesday 13 May 2025 — Greenpeace Australia Pacific has welcomed the WA EPA’s rare decision to reopen public consultation for Woodside’s revised Browse offshore gas proposal submitted in March.

    The WA EPA assessed Woodside’s original proposal as “unacceptable”, citing concerns about serious potential impacts to the environmentally sensitive Scott Reef. This included risk of an oil spill, impacts on threatened species, and the subsidence of Sandy Islet, a vital rookery for the endangered green sea turtle.

    Over 20,000 public submissions were lodged in response to Woodside’s previous proposal. Woodside’s Browse plans would see drilling for gas directly underneath the Scott Reef. 

    Geoff Bice, WA Campaign Lead at Greenpeace Australia Pacific, said: “Greenpeace welcomes the rare decision by the WA EPA to reopen public consultation for Woodside’s disastrous Browse gas proposal, which threatens our oceans and marine life, and places communities across Australia at increased risk of climate harm.

    “Woodside’s revised plans are merely tinkering at the edges of what is a fundamentally problematic proposal, which fails to address the risk of subsidence at Sandy Islet, and hinges on a yet to be proven technology to mitigate the risk of a major oil spill — it is incompatible with the protection of the fragile Scott Reef. 

    “It’s unthinkable today that we would allow a multinational fossil fuel company to drill for gas on the Great Barrier Reef — we must not accept this at Scott Reef, home to vibrant coral, threatened species like pygmy blue whales and a critical green sea turtle rookery.

    “Time and time again, Woodside has demonstrated it can’t be trusted with our oceans. Community opposition to this project is growing stronger by the day and we expect to see a large number of submissions in response to these revised plans. 

    “Greenpeace and our supporters will be watching this closely — we urge the WA EPA and the new Federal Environment Minister Murray Watt to heed community concerns and reject Woodside’s reckless gas expansion plans once and for all.”

    -ENDS-

    For more information or interviews contact Kate O’Callaghan on 0406 231 892 or [email protected]

    MIL OSI NGO –

  • MIL-OSI Russia: “China is the best era for entrepreneurship for me” – Russian entrepreneur

    Translation. Region: Russian Federal

    Source: People’s Republic of China in Russian –

    Source: People’s Republic of China – State Council News

    TIANJIN, May 13 (Xinhua) — Sipping coffee in her office in the Tianjin Pilot Free Trade Zone (FTZ), 36-year-old Russian Svetlana Olkhovikova is intently checking information on orders from partners in Russia, Uzbekistan and other countries.

    With her excellent command of Chinese and experience in foreign trade, she established and registered two foreign trade companies in Tianjin, a port city in northern China.

    Tianjin Ruidehe Machinery Trading Company, founded in September 2023, is engaged in the export of agricultural machinery, and Hesu Biopharmaceutical Company, established in March 2024, is engaged in cross-border trade in medical equipment and components.

    “Both companies have already established cooperation with enterprises in more than 20 countries and regions around the world, including Russia, Kazakhstan and the Republic of Korea,” Svetlana said fluently in Chinese.

    “China has been the best era for entrepreneurship for me,” she added. From choosing an office location to registering companies, from extending a work visa to home service when opening a bank account, she was always amazed by the efficiency of the local government and its humane approach to entrepreneurs.

    As a foreign entrepreneur, she had to learn Chinese laws and the tax system, which was not easy, but the government’s service provision gave her confidence and peace of mind.

    “My grandfather used to say that the hospitality of the Chinese is like a flame that never goes out. By creating my business in Tianjin, I finally realized that this is not an exaggeration, but a reality,” the businesswoman shared.

    In choosing China for business, she valued not only the favorable business environment, but also the country’s mega-market, sophisticated production and supply chain system, and ever-improving conditions for innovation.

    “The Chinese market is huge, many quality products are becoming increasingly popular abroad. People from all over the world can find many development opportunities here,” said S. Olkhovikova. During her entrepreneurial activities, she deepened her understanding of China’s economic development and strengthened her confidence in the “Made in China” brand.

    “Our cooperation with Chinese companies is going very smoothly. Chinese partners are pragmatic and efficient, produce inexpensive and high-quality goods, and offer customized solutions – all thanks to China’s powerful production capabilities and high level of professionalism,” the entrepreneur stated with confidence.

    Svetlana’s family, believing that China has enormous development potential, fully supports her business ventures. “My uncle runs an agricultural processing company in Russia, and my company in China can supply him with high-quality equipment, especially powerful tractors,” she continued.

    Svetlana spent her childhood in a village a few hundred kilometers from Moscow. Her father was a farmer, her mother taught at school, and Svetlana, who was raised by her grandmother, often heard stories about China. “My grandmother said that the Chinese are kind, my grandfather told me about the Confucian principle of ‘the joy of meeting a friend who has come from afar’, and my uncle advised: ‘Only by acquiring more knowledge can we expand our horizons’,” she said.

    In 2005, S. Olkhovikova entered Voronezh State University /VSU/ to major in International Relations. Learning about China from books and lectures, she became interested in this country.

    In 2008, she first came to China on a six-month Chinese language program organized by Qingdao University and VSU. Later, while working for a Russian trading company, she became even more fascinated with China thanks to active business contacts with Chinese partners.

    Years later, after careful consideration, Svetlana decided to pursue an MBA at Tianjin University. She was attracted by the university’s rich history and recognized the practical value of its curriculum for researching China’s economic development. She visited agricultural machinery manufacturing plants in Tianjin to explore the potential for Sino-Russian cooperation in the agricultural sector through the “customization of production plus localization of services” format.

    Now that she has established her business in China, she continues to implement this idea. Despite being very busy, Svetlana continues to persistently study Chinese and get to know the country better.

    “There are many opportunities in China. The openness and inclusiveness here provide fertile ground for enterprising people from all over the world. The Chinese say that if the circumstances are right, expressed in the right time, the right place and the support of the people, people around you will lend a helping hand if you boldly seize the opportunities of the times,” she added.

    “I believe that a wonderful future awaits me. And I am ready to contribute to the promotion of cooperation between Russia and China,” Svetlana said. -0-

    MIL OSI Russia News –

  • MIL-Evening Report: Indigenous Kanaks support New Caledonia’s 50-year ban on seabed mining

    By Andrew Mathieson

    New Caledonia has imposed a 50-year ban on deep-sea mining across its entire maritime zone in a rare and sweeping move that places the French Pacific territory among the most restricted exploration areas on the planet’s waters.

    The law blocks commercial exploration, prospecting and mining of mineral resources that sits within Kanaky New Caledonia’s exclusive economic zone.

    Nauru and the Cook Islands have already publicly expressed support for seabed exploration.

    Sovereign island states discussed the issue earlier this year during last year’s Pacific Islands Forum, but no joint position has yet been agreed on.

    Only non-invasive, scientific research will be permitted across New Caledonia’s surrounding maritime zone that covers 1.3 million sq km.

    Lawmakers in the New Caledonian territorial Congress adopted a moratorium following broad support mostly from Kanak-aligned political parties.

    “Rather than giving in to the logic of immediate profit, New Caledonia can choose to be pioneers in ocean protection,” Jérémie Katidjo Monnier, the local government member responsible for the issue, told Congress.

    A ‘strategic lever’
    “It is a strategic lever to assert our environmental sovereignty in the face of the multinationals and a strong signal of commitment to future generations.”

    New Caledonia’s location has been a global hotspot for marine biodiversity.

    Its waters are home to nearly one-third of the world’s remaining pristine coral reefs that account for 1.5 percent of reefs worldwide.

    Environmental supporters of the new law argue that deep-sea mining could cause a serious and irreversible harm to its fragile marine ecosystems.

    But the pro-French, anti-independence parties, including Caledonian Republicans, Caledonian People’s Movement, Générations NC, Renaissance and the Caledonian Republican Movement all planned to abstain from the vote the politically conservative bloc knew they could not win.

    The Loyalists coalition argued that the decision clashed with the territory’s “broader economic goals” and the measure was “too rigid”, describing its legal basis as “largely disproportionate”.

    “All our political action on the nickel question is directed toward more exploitation and here we are presenting ourselves as defenders of the environment for deep-sea beds we’ve never even seen,” Renaissance MP Nicolas Metzdorf said.

    Ambassador’s support
    But France’s Ambassador for Maritime Affairs, Olivier Poivre d’Arvor, had already asserted “the deep sea is not for sale” and that the high seas “belong to no one”, appearing to back the policy led by pro-independence Kanak alliances.

    The vote in New Caledonia also coincided with US President Donald Trump signing a decree a week earlier authorising deep-sea mining in international waters.

    “No state has the right to unilaterally exploit the mineral resources of the area outside the legal framework established by UNCLOS,” said the head of the International Seabed Authority (ISA), Leticia Carvalho, in a statement referring back to the United Nations’ Convention on the Law of the Sea.

    Republished from the National Indigenous Times.

    MIL OSI Analysis – EveningReport.nz –

  • MIL-Evening Report: Community-run food co-ops can reduce food insecurity and boost healthy diets, research shows

    Source: The Conversation (Au and NZ) – By Katherine Kent, Senior Lecturer in Nutrition and Dietetics, University of Wollongong

    alicja neumiler/Shutterstock

    As grocery prices continue to rise, many Australians are struggling to afford healthy food and are looking for alternatives to the big supermarket chains.

    The recent supermarkets inquiry, run by the Australian Competition and Consumer Commission, confirmed Australia’s grocery sector is highly concentrated, with limited competition and rising retail margins. In regional and remote areas, consumers often face higher prices and fewer choices.

    One option growing in popularity around the country is the community food co-operative, or “food co-op”.

    Food co-ops are local not-for-profit or member-owned groups where people join together to buy food in bulk, usually straight from farmers or wholesalers. These co-ops can take different forms, including shops, neighbourhood-based hubs, or box delivery models. They typically offer a range of foods such as fresh fruit and vegetables, bread, dairy products, eggs and pantry staples.

    By co-ordinating their orders, members can reduce food costs, limit packaging waste, and avoid supermarket markups. Co-ops can also help lower transport emissions by reducing long supply chains.

    We’ve been researching the benefits of food co-ops. We’ve found this model could reduce food insecurity and increase people’s intake of fruit and vegetables.

    How are food co-ops run?

    Some co-ops are owned and run by their members. Any surplus or profits are generally reinvested into the co-op or shared through lower prices, improved services, or support for local community initiatives.

    Other co-ops are managed by not-for-profit organisations focused on improving food access for whole communities.

    More recently, digital platforms and apps have made it even easier for people to start or join co-ops and connect with local growers.

    Regardless of the model, co-ops are guided by values of co-operation, fairness and community benefit, rather than profit.

    Digital platforms have made it easier to get involved in food co-ops.
    Cottonbro studio/Pexels

    What does the research say?

    We recently published a study which adds to a growing body of evidence showing food co-ops can play an important role in improving diet and reducing food insecurity.

    Food insecurity is when someone doesn’t have reliable access to affordable, nutritious food. It can mean skipping meals, eating less fresh produce, relying on cheap processed foods, or experiencing ongoing stress about being able to afford groceries.

    We surveyed more than 2,200 members of Box Divvy, a community-based food co-op operating across New South Wales and the Australian Capital Territory. Within this co-op, members join local “hubs”, pool their orders for groceries through an app, and collect their food from a nearby coordinator.

    To measure food security, we used an internationally recognised survey that asks about things such as running out of food or skipping meals due to cost.

    Before joining the co-op, more than 50% of surveyed members were classified as “food insecure”. This is well above the national average (estimated to be around 22%). It suggests many people turning to food co-ops are already under significant financial pressure.

    After joining, food insecurity dropped by nearly 23%. The rate of severe food insecurity – where people skip meals and regularly experience hunger – more than halved.

    These changes were accompanied by improved diets. We asked participants to report how many serves of fruit and vegetables they usually ate in a day. On average, members increased their vegetable intake by 3.3 serves per week and their fruit intake by 2.5 serves.

    The benefits were even more pronounced for people experiencing severe food insecurity, who tend to have poorer diets overall. They ate 5.5 more serves of vegetables and 4.4 more serves of fruit per week while using the co-op.

    These are meaningful improvements that bring people closer to meeting national dietary guidelines. This matters because eating more fruit and vegetables is linked to a lower risk of chronic diseases such as heart disease, type 2 diabetes, and some cancers.

    Our study found people ate more fruit and vegetables after joining the co-op.
    Davor Geber/Shutterstock

    Other research has reflected similar findings. A 2020 Sydney-based study found co-op members were more likely to meet the recommended servings of fruit and vegetables than non-members.

    Another study of The Community Grocer, a Melbourne-based social enterprise, found their weekly markets offered produce around 40% cheaper than nearby retailers and improved healthy food access for culturally diverse and low-income customers.

    Internationally, a Canadian study of a community-based food box program – similar in structure to some co-ops – reported higher fruit and vegetable intake among regular users. It found a decline in intake for those who stopped using the service.

    In Wales, disadvantaged communities that used co-ops reported better access to fresh produce. Similarly in New Zealand, co-op participants reported better access to healthy food.

    In qualitative research, people who have experienced food insecurity say co-ops offer a more dignified alternative to food relief by offering choice and control over what’s on the table.

    Food co-ops can offer a cheaper alternative to shopping at large supermarkets.
    Denys Kurbatov/Shutterstock

    Where to next?

    Despite clear benefits, food co-ops remain largely overlooked in Australian policy. This is at a time when national conversations about price gouging and supermarket power highlight the need for viable, community-based alternatives.

    Meanwhile, food co-ops also face operational challenges. For example, regulatory requirements can vary significantly between local councils and states. This makes it difficult to establish, scale or replicate successful co-ops.

    Government support could help co-ops grow where they’re needed most. Some measures might include:

    • seed funding and small grants to establish co-ops in low-income communities
    • subsidised memberships or vouchers for eligible households
    • investment in digital tools and logistics to support efficient operations, particularly in rural and remote areas
    • simplifying regulatory processes.

    As the Feeding Australia strategy develops under the Albanese government, there’s an opportunity to consider how community models such as food co-ops could complement broader national efforts to improve food security and strengthen local food systems.

    The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

    – ref. Community-run food co-ops can reduce food insecurity and boost healthy diets, research shows – https://theconversation.com/community-run-food-co-ops-can-reduce-food-insecurity-and-boost-healthy-diets-research-shows-256100

    MIL OSI Analysis – EveningReport.nz –

  • MIL-OSI: Best Payday Cash Advance Loans Online – Nearest Direct Lenders Only

    Source: GlobeNewswire (MIL-OSI)

    Baton Rouge, May 12, 2025 (GLOBE NEWSWIRE) —

    In This Article, You’ll Discover:

    • How do payday cash advance loans online work, including eligibility, application steps, and repayment structure
    • The growing demand for nearest direct lenders only, and why online platforms outperform traditional lenders in speed and accessibility
    • How MoneyMutual connects users with trusted payday lenders online without upfront fees or obligations
    • What pain points do payday loans solve, such as emergency bills, rent gaps, or urgent repairs
    • A breakdown of loan amounts, terms, interest rates, and standard disclaimers every borrower should review
    • Security protocols that ensure your information is protected throughout the online payday loan process
    • Alternatives to payday loans and responsible borrowing tips to avoid long-term debt traps
    • Key steps to identify and avoid payday loan scams in the digital lending space
    • Comprehensive answers to frequently asked questions about online payday loans for bad credit, no-credit options, and more.
    • All legal disclaimers and affiliate disclosures to help readers make informed, secure, and risk-aware lending decisions

    TL;DR Summary

    This article provides an in-depth guide to securing the best payday cash advance loans online through a trusted, secure platform that matches users with the nearest direct lenders only. It explains how short-term payday loans work, who they are for, and the key steps involved — from application to funding.

    With a special spotlight on MoneyMutual, readers will learn how to safely access fast cash loans online, even with poor credit. The article covers loan amounts, eligibility criteria, repayment terms, interest considerations, scam prevention tips, and responsible borrowing alternatives. A detailed FAQ section supports readers with direct answers to common questions, while built-in legal disclaimers and affiliate disclosures protect all parties involved in the content syndication process.

    This resource is intended to help borrowers make informed, compliant financial decisions when exploring emergency funding options online through reputable direct payday lenders.

    Introduction: Navigating Financial Emergencies in the Digital Age

    The Rise of Financial Stress in Today’s Economy

    In today’s unpredictable financial climate, many Americans are facing sudden hardships they didn’t see coming. Whether it’s an unplanned car repair, a medical bill, or a rent increase, more people than ever are struggling to bridge the gap between paychecks. Traditional banking solutions — like personal loans from credit unions or big banks — are often inaccessible to those with less-than-perfect credit scores. And when time is of the essence, waiting days for a decision simply isn’t practical.

    This has created a surge in demand for quick, accessible financial relief, which is where online payday cash advance loans come into play.

    What Are Payday Cash Advance Loans?

    Payday cash advance loans are short-term lending options designed to offer fast financial assistance to individuals dealing with urgent expenses. Typically repaid by the borrower’s next paycheck, these loans are meant to cover temporary financial shortfalls without the need for traditional credit checks or long approval windows.

    Because of the immediate nature of the solution, online payday loans from direct lenders have become increasingly popular. These lenders offer a streamlined application process and quick decision-making, providing borrowers with the funds they need, often within a single business day.

    Why Online Is the Future — And the Present

    Online lending platforms now dominate the payday loan space. The convenience of applying for a loan from the comfort of home, without needing to fax documents or physically visit a store, has fundamentally changed how people access emergency funding.

    Introducing MoneyMutual as a Trusted Resource

    MoneyMutual is not a direct lender — instead, it’s a highly reputable platform that connects borrowers with a network of verified direct lenders. With over 2 million customers served and a longstanding online presence, it helps streamline the borrowing process by matching users with lenders who are more likely to approve their applications based on income and basic eligibility.

    You’re not committing to a loan by using the site — you’re exploring your options securely, quickly, and at no cost to you. Whether you’re facing a financial emergency or trying to avoid late payment fees on an essential bill, MoneyMutual offers a fast, simple way to connect with legitimate lenders online.

    Disclaimer: This content is for informational purposes only and does not constitute financial advice. Borrowers should fully understand the terms of any payday loan agreement before signing. Always compare multiple offers, and remember that payday loans come with higher interest rates and shorter repayment windows than traditional loans.

    Understanding the Financial Pain Points That Drive Payday Loan Demand

    Living Paycheck to Paycheck: A Common Reality

    Millions of Americans live paycheck to paycheck. For many, even a minor disruption — like a missed day of work or an unexpected utility bill — can spiral into a financial crisis. Traditional budgeting doesn’t leave much room for emergencies, and savings accounts are often nonexistent.

    When there’s no financial cushion, short-term cash flow problems become long-term stressors, forcing individuals to make tough decisions: skip rent, delay a car repair, or miss a utility payment. This is where payday loans serve a purpose — not because they’re ideal, but because the need for immediate funds is real and pressing.

    Credit Score Barriers and Bank Loan Rejection

    Mainstream lenders like banks and credit unions often reject applicants with poor or limited credit histories. Even borrowers with stable incomes can be turned away simply because of a credit score below 600.

    With online payday loans for bad credit, lenders focus less on FICO scores and more on your ability to repay the loan through a consistent income stream. This is one of the core benefits of platforms like MoneyMutual, which connects users to the nearest direct lenders only — lenders who are willing to work with nontraditional profiles.

    Emergencies Don’t Wait — And Neither Should Solutions

    From emergency medical visits to car trouble or child-related costs, financial emergencies demand immediate attention. Unfortunately, these expenses often arise at the worst possible time — right before payday, or when other bills are stacking up.

    When traditional options are too slow or unavailable, cash advance loans online become one of the few accessible tools available to manage the situation.

    Disclaimer: Payday loans are not a long-term financial solution. They are designed to provide emergency funding and should not be used for regular or recurring expenses.

    The Emotional Toll of Financial Instability

    Financial stress isn’t just about money — it deeply affects emotional well-being. Anxiety, sleeplessness, and strained relationships are just a few of the symptoms borrowers report when caught in ongoing money troubles.

    Having a fast, private, and secure option like MoneyMutual can offer relief, not just financially, but emotionally, by helping users take action and regain a sense of control over their situation.

    Need fast cash for bills or car repairs? Apply with MoneyMutual now and get matched to trusted lenders in minutes—no credit check required!

    The Solution: Online Payday Cash Advance Loans Explained

    What Is a Payday Cash Advance Loan?

    A payday cash advance loan is a short-term financial solution that allows borrowers to access quick funds, typically ranging from $100 to $5,000 — with the understanding that repayment will occur on their next payday. These loans are often used to cover urgent, unexpected expenses such as rent, medical bills, utility shutoff notices, or car repairs.

    Unlike traditional personal loans, payday loans are generally easier to qualify for and are processed much faster, often within hours or the same day. The most significant feature? You don’t need perfect credit to qualify.

    How Online Payday Loans Work

    Online payday loans have transformed the lending landscape. With a simple internet connection and a few minutes of your time, you can fill out a single form that gets distributed to a network of direct lenders, skipping the tedious paperwork and in-person meetings required by traditional lenders.

    Here’s a typical breakdown of the online payday loan process:

    1. Submit Your Application: You provide basic personal, financial, and employment information. No hard credit check is typically required at this stage.
    2. Get Matched Instantly: If you meet the minimum eligibility requirements (such as age, income, and banking status), your request is routed to potential lenders in real time.
    3. Review Your Loan Offer: Once matched, you can review the loan amount, interest rate, repayment date, and any applicable fees.
    4. Receive Your Funds: Upon acceptance, funds are usually deposited into your bank account within 24 hours, often sooner.

    Disclaimer: Each lender’s approval criteria and funding timeline may vary. Always read the terms carefully before accepting any loan agreement.

    Why Online Payday Loans Stand Out as a Quick-Fix Financial Tool

    When time is of the essence, online payday loans shine. They’re tailored for speed, accessibility, and convenience:

    • Speed: Most applications take under 5 minutes to complete, and decisions are nearly instant.
    • Accessibility: Borrowers with bad credit, limited credit history, or prior denials may still qualify.
    • Convenience: The entire process can be completed without leaving your home.

    That’s why MoneyMutual has become a trusted choice for those seeking the best payday cash advance loans online — it simplifies the process by bringing together borrowers and vetted lenders in a single, secure platform.

    Direct Lenders vs. Loan Aggregators

    It’s important to understand the distinction between direct lenders and loan brokers (aggregators). Direct lenders provide the funds themselves and communicate directly with the borrower about terms, repayment, and service.

    Platforms like MoneyMutual connect borrowers only with direct lenders, ensuring a streamlined, transparent experience with no unnecessary middlemen.

    Facing a financial emergency? Get up to $5,000 fast with MoneyMutual—no fees, no obligation. Apply today and access funds as soon as tomorrow!

    Spotlight on MoneyMutual: How It Works & Why It’s Trusted

    What Is MoneyMutual?

    MoneyMutual is an online lending marketplace — not a direct lender — that connects borrowers to a network of trusted, licensed lenders who specialize in short-term cash advance loans. Since its inception, it has served over 2 million customers, building a strong reputation for fast, accessible financial matchmaking for those facing urgent monetary needs.

    Its platform is designed to help users find the nearest direct lenders online without going through tedious research or risky third-party referral sites.

    Key Benefits of Using MoneyMutual

    • Free to Use: There are no fees tosubmit your loan request through MoneyMutual. The service is 100% free for borrowers.
    • Fast Matching: Within minutes of submitting your information, you could be matched with one or more qualified lenders.
    • Secure Platform: MoneyMutual uses AES 256-bit encryption to protect your sensitive personal and financial data.
    • Wide Eligibility Range: The platform supports a diverse range of lenders willing to work with bad credit, no credit, or even recent financial setbacks.
    • No Obligation: You are never required to accept a loan offer. You can simply walk away if the terms don’t suit your needs.

    Disclaimer: While MoneyMutual does not make lending decisions, it enables users to explore multiple offers from licensed lenders. Borrowers should carefully review loan terms, interest rates, and repayment periods before accepting any offer.

    Step-by-Step: How MoneyMutual Works

    Submit a Secure Loan Request

    You’ll start by filling out a short online form on the official MoneyMutual website. It takes less than five minutes and requires basic information like:

    • Full name and contact info
    • Monthly income (minimum $800/month required)
    • Employment status
    • Active checking account details
    • Age and U.S. residency status

    Get Matched With Lenders

    Once your information is verified, MoneyMutual uses its algorithm to match you with direct lenders that fit your profile. This ensures you only receive loan offers you’re more likely to qualify for — saving time and stress.

    Review and Accept Terms

    You’ll be redirected to the lender’s website to view the complete loan offer, including:

    • Loan amount (typically up to $5,000)
    • Interest rate and fees
    • Repayment schedule
    • Late payment or rollover terms

    If you like the terms, you can accept electronically and move forward with the disbursement.

    Receive Funds

    Once accepted, funds are often transferred to your checking account within 24 business hours, depending on the lender’s processing timelines.

    Disclaimer: Funding times may vary. Not all users will qualify for same-day deposit. Always confirm details with your matched lender.

    Why Users Trust MoneyMutual

    • Featured in national media for its transparency and simplicity
    • Over 2 million borrowers served since launch
    • User reviews highlight its ease of use and effectiveness during emergencies
    • Compliant with Online Lenders Alliance (OLA) best practices

    MoneyMutual stands out by removing friction from the borrowing process — streamlining the way individuals in financial distress get connected to real solutions.

    Bad credit? No problem. See if you qualify for a payday loan in minutes with MoneyMutual. It’s free, secure, and takes less than 5 minutes to apply.

    Eligibility and Application Process: What You Need to Qualify

    Who Can Apply for a Payday Loan Through MoneyMutual?

    One of the biggest advantages of using MoneyMutual is the minimal barrier to entry. You don’t need perfect credit or a lengthy financial profile. Instead, lenders prioritize your ability to repay the loan based on your current income and banking status.

    Here are the basic eligibility requirements to get started:

    • Be at least 18 years of age
    • Earn a verifiable income of at least $800/month
    • Have an active checking account
    • Be a U.S. resident

    If you meet these four criteria, you are eligible to submit your request through MoneyMutual and be connected with direct payday lenders willing to review your application — even if your credit is less than perfect.

    Disclaimer: Meeting basic eligibility requirements does not guarantee a loan offer. Each lender has their own underwriting criteria and may evaluate additional factors.

    The Online Application Process: Step by Step

    1. Visit the Official Website

    Head to MoneyMutual.com to begin your loan request. Always confirm you’re on the official site to avoid phishing attempts.

    2. Fill Out the Secure Form

    Provide accurate information about your employment, income, banking details, and contact info. This step usually takes less than 5 minutes.

    3. Submit Your Information

    Once submitted, your request will be evaluated and passed through MoneyMutual’s lender network in real time.

    4. Get Matched With Potential Lenders

    If you’re a fit, one or more lenders may extend loan offers. You’ll be directed to their sites to review terms.

    5. Accept the Loan Terms

    You can read through the offer details — loan amount, APR, repayment date, fees — and accept if it suits your needs.

    6. Receive Funds

    Funds may be deposited into your bank account within 24 hours, depending on the lender and when you accept the offer.

    Disclaimer: Application to funding timelines may vary. Submissions made outside business hours or on weekends may be delayed.

    What Happens If You’re Not Approved?

    Even if no lender offers you a loan initially, there’s no penalty. You can reapply when your income increases, your banking situation improves, or additional lenders join the network.

    MoneyMutual is not a decision-maker — it’s a tool that opens the door to a broader pool of online payday loans from direct lenders who each have their own criteria.

    Tips to Improve Your Approval Odds

    • Use a checking account that’s been open for more than 90 days
    • Make sure your income is verifiable (e.g., through pay stubs or direct deposit history)
    • Avoid typos or errors in your application — incorrect banking info is a common delaycause
    • Apply during weekday business hours for the fastest turnaround

    Get emergency funds fast—apply now through MoneyMutual’s secure platform and connect with verified payday lenders today.

    Loan Details and Considerations: Terms, Limits & Important Disclaimers

    How Much Can You Borrow Through MoneyMutual’s Lender Network?

    Borrowers using MoneyMutual may be eligible to receive loan offers ranging from $100 to $5,000, depending on the lender’s policies, your income level, and the state in which you reside. Many first-time borrowers may qualify for smaller amounts, with larger loans potentially available for returning or higher-income applicants.

    Disclaimer: Loan amounts are determined by individual lenders based on your profile. Not all borrowers will qualify for the maximum amount.

    Understanding Payday Loan Terms and Fees

    Unlike traditional bank loans, payday loans are short-term financial instruments, usually due in full on your next payday. Repayment timelines typically range from 7 to 30 days, although some lenders may offer extended repayment options through installment structures.

    Expectations around repayment may include:

    • Full repayment by next payday
    • Interest rates (APR) that vary by lender
    • Flat service fees or rollover penalties (where allowed by law)

    Disclaimer: Interest rates and fee structures vary based on the lender and your location. Always read your loan agreement in full before signing.

    Interest Rates: What You Should Know

    Payday loans often carry higher APRs than conventional loans due to their short duration and increased risk profile. While this is a standard feature of cash advance lending, it’s critical that borrowers understand how rates translate into actual repayment amounts.

    For example, a $500 loan with a 15% fee due in two weeks would require a repayment of $575 — not including any late fees if payment is missed.

    Disclaimer: Always verify the actual interest rate, total repayment amount, and any penalty fees before accepting a loan. Terms can vary by lender and are subject to change.

    Flexible vs. Fixed Loan Structures

    Some lenders in the MoneyMutual network may offer installment payday loans, which allow repayment over a longer period with fixed payments. This may be more manageable for borrowers who can’t repay the full amount on their next paycheck.

    Other lenders may stick to the classic lump-sum payday loan, which requires repayment in full on your next pay date. Always consider your cash flow when choosing a loan structure.

    Loan Renewal and Rollovers

    Not all lenders allow renewals or rollovers (extending the loan for an additional fee). In states where it’s permitted, borrowers may have the option to defer payment — but this can significantly increase the overall cost of the loan.

    Disclaimer: Rollover availability depends on local laws and the lender’s internal policies. Use with caution, as repeated rollovers can lead to a cycle of debt.

    Pricing Disclaimer

    Prices, interest rates, and repayment terms vary based on individual lender policies.

    Bills piling up? Don’t wait. Submit your free payday loan request through MoneyMutual and get matched with real lenders fast—no upfront fees.

    Advantages of Using MoneyMutual: Speed, Access, and Trust

    Fast Access to Emergency Funds

    One of the most compelling benefits of using MoneyMutual is how quickly borrowers can access funds. In emergencies where time is critical — like overdue rent, medical co-pays, or urgent car repairs — waiting days or weeks for a traditional loan simply isn’t an option.

    With online payday loans from direct lenders, users may receive funds in as little as 24 hours, depending on when their loan is approved. For many, that speed makes the difference between stability and spiraling into further financial hardship.

    Disclaimer: While many users report fast deposit times, funding is not guaranteed within 24 hours and varies by lender, business hours, and banking partners.

    Available for Borrowers With Bad or No Credit

    Unlike traditional banks that prioritize credit scores, MoneyMutual’s lender network evaluates applicants primarily based on income and checking account history. This creates an accessible path for people with:

    • Low or poor credit scores
    • No credit history
    • Past financial difficulties
    • Recent employment changes

    By connecting users to direct payday lenders open to nontraditional credit profiles, MoneyMutual empowers more people to access emergency funding with fewer obstacles.

    Secure and Confidential

    Trust and security are central to MoneyMutual’s brand. The platform uses AES 256-bit encryption to ensure that all personal and financial information is protected during transmission. Plus, the site never stores your sensitive banking details after the match is complete.

    Privacy is respected throughout the process. Only lenders who are actively considering your request gain access to your data — not random third parties.

    No Hidden Fees or Application Charges

    Submitting a loan request on MoneyMutual.com is 100% free. You are under no obligation to accept a loan if the terms don’t work for you. The platform earns compensation only from participating lenders, not from borrowers.

    • No upfront fees
    • No credit pull required to request a match
    • No obligation to proceed if you don’t like your options

    Strong Reputation and User Satisfaction

    With over 2 million customers served and consistent online visibility, MoneyMutual has developed a reputation for reliability in the payday lending space. Borrowers often cite the following as reasons they return:

    • Ease of use and intuitive interface
    • Fast loan matching with real-time decisions
    • A wide selection of reputable lenders
    • Clear, upfront loan terms

    Disclaimer: User experiences may vary. Reviews are individual and not a guarantee of future outcomes.

    Need cash before payday? Apply today with MoneyMutual to access short-term loans up to $5,000 with no hidden fees or obligations.

    Responsible Borrowing & Alternatives: What to Know Before You Commit

    Using Payday Loans the Right Way

    While payday cash advance loans can be a valuable tool during emergencies, they should always be used with care and only for short-term financial gaps. Payday loans are not designed to cover ongoing expenses or long-term financial issues, and borrowers should avoid rolling over or stacking multiple loans at once.

    Here are situations when a payday loan may be appropriate:

    • A one-time, unexpected bill before payday
    • A temporary lapse in income
    • A time-sensitive car or medical expense
    • Avoiding costly overdraft or late fees

    Disclaimer: Payday loans are not intended to be long-term financial solutions. Overuse can lead to debt cycles and additional financial stress.

    Recognizing the Risks

    Though convenient, payday loans carry higher interest rates and shorter repayment windows, which can be difficult for some borrowers to manage. If you’re unsure about your ability to repay on time, it’s crucial to explore alternatives or speak with a financial counselor.

    Potential risks include:

    • High APRs (annual percentage rates)
    • Additional fees for late payments
    • Limited ability to extend or restructure terms
    • Risk of overdrawing your bank account if repayment is automated

    Disclaimer: Always review the full loan agreement, including the APR, fee schedule, and payment terms before proceeding with any cash advance offer.

    Alternatives to Payday Loans

    Before deciding to borrow, consider exploring other options that may provide similar relief without the same level of financial risk. Here are a few alternatives:

    Credit Union Personal Loans

    Credit unions often provide small-dollar loans at more affordable interest rates — and may be more flexible about credit history.

    Employer Pay Advance Programs

    Some companies offer early access to earned wages through apps or in-house payroll programs — usually with no interest.

    Community Assistance or Nonprofits

    Local community organizations may help cover utility bills, rent, or medical expenses for those in need.

    Borrowing From Family or Friends

    Though not ideal for everyone, borrowing a small amount from someone you trust may help avoid fees and interest altogether.

    Setting Yourself Up for Success

    If you do move forward with a payday loan through MoneyMutual, protect your financial well-being by:

    • Borrowing only what you need
    • Ensuring you can repay on time
    • Reading all loan disclosures
    • Avoiding renewals or rollovers when possible
    • Tracking your repayment date carefully

    MoneyMutual encourages borrowers to understand their financial situation fully before agreeing to any short-term loan. While the platform is designed to provide rapid relief, financial education and planning remain essential to long-term stability.

    Skip the stress. Apply with MoneyMutual and get matched with trusted direct lenders offering fast cash—even with poor credit.

    Responsible Borrowing & Alternatives: What to Know Before You Commit

    When a Payday Loan Makes Sense

    Payday loans can be a useful tool in certain situations — especially when unexpected expenses arise and other financial options aren’t available. For instance, they may be appropriate when:

    • You have a one-time emergency expense
    • You’re confident you can repay the loan in full by your next payday
    • You’ve exhausted alternatives like credit cards or savings
    • You need a small loan fast to avoid late fees, overdrafts, or service interruptions

    But payday loans should be viewed as temporary financial tools, not long-term solutions. Repeated use or reliance on short-term loans can lead to a cycle of debt that becomes harder to escape over time.

    Disclaimer: Payday loans are not designed for long-term financial relief. Borrowers are encouraged to explore all available options before committing to any high-interest lending solution.

    Red Flags and Risk Factors

    Before accepting a payday loan, it’s important to understand the risks:

    • High APRs: Short-term loans often carry annual percentage rates far higher than traditional bank loans
    • Debt Trap Potential: If you can’t repay on time and rollover options aren’t available, your debt can grow quickly
    • Limited Consumer Protections: Payday lending regulations vary by state; not all lenders offer the same safeguards

    This is why MoneyMutual encourages users to review loan terms carefully and only proceed with offers they understand and can afford to repay.

    Alternatives to Payday Loans

    If a payday loan doesn’t feel like the right fit, there are other options that may be worth exploring:

    Credit Union Personal Loans

    Credit unions often offer smaller-dollar personal loans with lower interest rates than payday lenders, especially for members with modest credit scores.

    Employer Cash Advance Programs

    Some employers provide short-term paycheck advances with no interest. It’s worth checking if such a benefit exists in your workplace.

    Nonprofit and Community Programs

    Local nonprofit organizations or faith-based groups sometimes offer emergency financial assistance or zero-interest loans to qualifying families.

    Family or Friends

    Although not ideal for everyone, borrowing from someone you trust may avoid interest entirely. Be sure to put repayment terms in writing to avoid misunderstandings.

    Financial Counseling Support

    If you find yourself frequently using payday loans, it may be a signal to seek support from a certified financial counselor. Many nonprofit credit counseling agencies provide:

    • Budgeting assistance
    • Debt management plans
    • Financial education resources

    These services can help break the dependency on high-interest lending and put you on a path toward financial stability.

    Disclaimer: Counseling services are not affiliated with MoneyMutual. Borrowers should research providers independently before engaging with any financial advisory service.

    Time-sensitive bills? Get matched in minutes to licensed lenders who can deposit funds in 24 hours. Apply with MoneyMutual now!

    Avoiding Scams and Ensuring Safety: Stay Protected When Borrowing Online

    Why Scam Awareness Is Critical in the Online Lending Space

    With the rise of online payday loan platforms comes an unfortunate increase in scam operations posing as legitimate lenders. These bad actors often exploit financial desperation by promising fast cash, then demanding upfront fees, harvesting personal information, or locking victims into predatory agreements.

    Knowing the difference between a real offer and a fake one is essential — especially when you’re in a vulnerable financial position. Using a reputable connector platform like MoneyMutual helps eliminate much of this risk by only working with licensed, vetted direct lenders.

    Common Signs of Payday Loan Scams

    Here are key red flags that may indicate a payday loan scam:

    • Upfront feesrequired before you receive the loan
    • Requests for gift cards or crypto as a payment method
    • Unsecured email addresses or suspicious-looking websites
    • High-pressure tactics, like “offer expires in 30 minutes”
    • Asking for sensitive information via text or unverified email

    Legitimate lenders will never ask you to send money to receive money or pressure you into a contract without giving you time to review the terms.

    Disclaimer: Always verify the legitimacy of a lender by checking reviews, licenses, and official contact channels. When in doubt, do not proceed.

    How MoneyMutual Keeps Borrowers Safe

    MoneyMutual prioritizes consumer protection with several key safety measures:

    • Encrypted data transmission using AES 256-bit SSL encryption
    • No upfront payment required to request a loan match
    • No guarantee of approval, which protects users from false promises
    • Only licensed lenders are part of its internal network
    • No follow-up contact unless initiated by the lender directly

    In fact, MoneyMutual explicitly states that it will never contact you to request repayment, collect money, or guarantee a loan. If someone does so while claiming to be from MoneyMutual, you’re likely dealing with a fraudster.

    What to Do If You Encounter a Scam

    If you believe you’ve been targeted or scammed, take action immediately:

    • Do not send any money or provide further personal info
    • Contact your bank to freeze or monitor your accounts
    • Report the incident to the Federal Trade Commission (FTC)
    • Call the Online Lenders Alliance (OLA) Consumer Hotline
    • Document the communication (screenshots, emails, texts) in case law enforcement follows up

    MoneyMutual can connect you with trusted payday lenders online within minutes. It’s free to apply, takes less than 5 minutes, and could put up to $5,000 in your bank account by tomorrow. Don’t wait—secure your short-term cash loan now and breathe easier.

    Conclusion: Making an Informed Decision About Emergency Lending

    Recapping the Journey: From Financial Stress to Smart Solutions

    Financial emergencies can feel overwhelming — especially when your savings are low, your credit score is struggling, and bills are stacking up fast. In those moments, having access to a reliable, fast, and secure lending network can make a significant difference.

    That’s exactly where MoneyMutual excels: by offering a streamlined, no-cost way to connect users to trusted direct payday lenders online — all within minutes, and with no obligation to accept a loan unless the terms work for you.

    Whether you’re facing a sudden medical bill (non-life-threatening), urgent car repairs, or unexpected child care costs, short-term cash advance loans offer temporary relief — provided they are used responsibly.

    Final Thoughts: Responsible Borrowing and Smart Alternatives

    As emphasized throughout this article, payday loans are not a long-term financial solution. They should be treated as a short-term resource when no other lower-cost options are available. Repeated reliance can lead to more financial strain if repayment is missed or deferred.

    However, when used wisely and in moderation, these loans can provide a critical financial lifeline during difficult times.

    Remember:

    • Always review the full loan agreement before signing
    • Never agree to terms you don’t fully understand
    • Use payday loans to solve urgent problems, not to fund ongoing expenses
    • Compare offers when possible and ask questions if anything seems unclear

    And most importantly: if you feel unsure, seek guidance from a financial counselor or nonprofit advisory service to understand all your options before moving forward.

    Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Individual circumstances may vary. Always consult a financial professional for personalized guidance.

    Pricing and Offer Reminder

    Disclaimer: Loan offers, interest rates, and terms are determined by the individual lender and may vary. Always verify final pricing, fees, and repayment conditions directly through the official MoneyMutual website, as terms are subject to change at any time.

    Whether it’s overdue rent or a surprise medical bill, MoneyMutual is your trusted source for short-term payday loans online. Apply now to connect with lenders who are ready to fund your loan quickly and privately — even if you have bad credit.

    Frequently Asked Questions (FAQs)

    What is the best payday cash advance loan online?

    The best payday cash advance loan online is one that offers fast approval, direct deposit, and clear repayment terms, even if you have bad credit. MoneyMutual connects you with a network of trusted direct lendersofferingshort-term loans up to $5,000, with no upfront fees and fast processing — often within 24 hours.

    Can I get a payday loan with bad credit?

    Yes, many online payday lenders for bad credit prioritize your income over your credit score. Through platforms like MoneyMutual, borrowers with low or no credit history can still qualify for emergency cash loans by meeting simple criteria like regular income and an active bank account.

    How fast can I get cash from a payday loan?

    If approved, you could receive your cash advance in as little as 24 hours. Timing depends on the lender’s processing window, the day/time you apply, and your bank’s deposit policies. Many direct lenders offer same-day payday loans when applications are submitted during business hours.

    Are online payday loans from direct lenders safe?

    Yes — as long as you use verified platforms like MoneyMutual, which only connect borrowers to licensed direct payday lenders. MoneyMutual uses AES 256-bit encryption and complies with Online Lenders Alliance (OLA) best practices to ensure your data is protected and your lender is legitimate.

    What are the eligibility requirements for an online payday loan?

    To qualify for most online payday cash advance loans, you must:

    • Be at least 18 years old
    • Have a steady income of at least $800/month
    • Own an active checking account
    • Be a U.S. resident

    These basic criteria give you access to the nearest direct lenders online without traditional credit checks.

    How much can I borrow with a payday cash advance?

    Loan amounts typically range from $100 to $5,000, depending on the lender and your financial profile. Some borrowers may qualify for higher amounts on future loans if repayment history is strong and income supports larger requests.

    Is there a fee toapply for a payday loan on MoneyMutual?

    No, MoneyMutual is completely free for borrowers. You can fill out one secure application and get matched with lenders without paying anything upfront. There is no obligation to accept any loan offer presented to you.

    Do payday loans affect my credit score?

    Most online payday loans from direct lenders don’t involve hard credit checks and therefore won’t impact your credit score. However, missed payments or defaulting could be reported to collection agencies and may indirectly affect your credit over time.

    Can I get a payday loan online without a credit check?

    Yes, many lenders in the MoneyMutual network offer payday loans with no hard credit check. These loans are based on income and bank activity, making them accessible for those with poor credit or limited credit history.

    What happens if I can’t repay a payday loan on time?

    Failing to repay your payday loan on time can lead to late fees, increased interest, and potential collection activity. Some states allow rollovers, but this can increase your total debt.

    Money short before payday? Get help now. Use MoneyMutual to request a loan today—quick, private, and free to use

    • Company: MoneyMutual
    • Email: customerservice@moneymutual.com
    • Phone Support: 844-276-2063

    Legal Disclaimer

    The information contained in this article is provided for general informational purposes only and should not be construed as financial, legal, or professional advice. While all reasonable efforts have been made to ensure the accuracy, timeliness, and completeness of the content, no guarantees are made with respect to its reliability or applicability to individual circumstances. The publisher and its syndication partners disclaim all liability for any loss or damage resulting from reliance on this content, including but not limited to typographical errors, inaccuracies, outdated information, or omissions.

    THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not arrange, facilitate, or broker loans to lenders, and does not make short-term cash loans or credit decisions. It is not an agent, representative, arranger, facilitator, or broker of any lender and does not endorse, recommend, or promote any lender or financial product. No fees are charged to consumers for the use of this website or the content herein.

    This publication does not constitute an offer or solicitation to lend. Submitting personal information through this site is not a guarantee of loan approval. Any loan offer is solely between the user and the participating lender. Lending decisions, terms, amounts, interest rates, and repayment periods are determined exclusively by individual lenders based on their own underwriting criteria and applicable regulations.

    Cash advance loans should only be used to meet short-term financial needs and are not intended as long-term financial solutions. Not all lenders can provide loans up to $5,000, and cash transfer times vary depending on the lender and financial institution. This lending service may not be available in all states and is not available in Connecticut, New York, or to New York borrowers due to applicable state laws. Users are advised to contact their lender directly for information related to their loan, terms, or specific questions.

    Some participating lenders may perform credit checks or obtain consumer credit reports through traditional bureaus (Experian, Equifax, TransUnion) or alternative sources to assess creditworthiness. Credit inquiries and the sharing of personal data are conducted in accordance with each lender’s privacy policy and applicable legal standards.

    Neither the publisher, nor its content distribution partners, are responsible for lending practices, data use, approval rates, or any decisions made by participating lenders. Users are strongly encouraged to read all terms and conditions, review lender disclosures carefully, and consult with a financial advisor before accepting any short-term loan offer.

    Affiliate Disclosure

    This article may contain affiliate links. If a user clicks on one of these links and takes action — such as submitting a loan request or completing an application — the publisher may receive compensation from a third-party partner or advertiser. This compensation comes at no additional cost to the user and helps support the production of informative, accessible content.

    The presence of affiliate links does not influence the objectivity or integrity of the content. All product mentions and service evaluations are based on publicly available information and editorial judgment. Users are under no obligation to engage with any offer or service mentioned, and are encouraged to conduct their own due diligence before making any financial decision.

    The publisher and its syndication partners do not endorse any specific lender, financial institution, or lending product. Any loan arrangement or agreement is solely between the user and the lender. Always read all terms, conditions, and disclosures provided by the lender before proceeding.

    The MIL Network –

  • MIL-OSI USA: Pressley, Nunn, Underwood Reintroduce Bill to Expand Access to Maternal Healthcare

    Source: United States House of Representatives – Congresswoman Ayanna Pressley (MA-07)

    Text of Bill (PDF)

    WASHINGTON – Today, Congresswoman Ayanna Pressley (MA-07) Congressman Zach Nunn (IA-03), and Congresswoman Lauren Underwood (IL-14) reintroduced legislation to address rising maternal mortality rates by increasing access to comprehensive care for pregnant women on Medicaid. The Harnessing Effective and Appropriate Long-Term Health for Moms on Medicaid (HEALTH for MOM) Act would support state-led efforts to coordinate maternity care through maternal health homes.

    “My grandmother died giving birth in the 1950s, and it is shameful that over half a century later, we still have a maternal morbidity crisis that is killing our loved ones and destabilizing our communities,” said Rep. Pressley. “Our bill would help address the maternal health crisis—which is disproportionately impacting Black and low-income folks—by helping vulnerable families access high-quality, culturally congruent maternal care. I’m grateful to our colleagues for their partnership. It’s time for Congress to pass this bill without delay.”

    “At-risk mothers in Iowa are being failed by a system that makes it too difficult to access basic care,” said Rep. Nunn. “This bill gives states the tools to build strong, community-based support systems for expecting mothers—especially in rural areas—so every woman has access to the care she needs for a healthy pregnancy and delivery.”

    “Broadlawns sees firsthand the critical need for accessible, coordinated maternal care. Supporting initiatives that expand access and improve outcomes aligns directly with our mission to provide high-quality care for every patient—before, during, and after pregnancy,” said Proctor Lureman, President and CEO of Broadlawns Medical Center.

    The United States has one of the highest maternal mortality rates in the developed world. The Centers for Disease Control and Prevention reports that nearly 80% of maternal deaths are preventable, yet nearly 2 million women live in maternity care deserts—regions with limited or no access to essential services.

    More than 400,000 babies are born each year in areas with restricted access to maternity care, and the average pregnancy-related healthcare cost is nearly $19,000 per birth. For families with insurance, this still amounts to over $2,800 in out-of-pocket costs—creating a significant barrier to care.

    To address these challenges, the HEALTH for MOM Act would provide grants to states to establish maternal health homes. These health homes would deliver coordinated maternity care through individualized, patient-centered care plans, helping reduce emergency room visits and costly hospital stays associated with pregnancy complications.

    Text of the bill can be found here.

    As a founding member of the Black Maternal Health Caucus, Congresswoman Pressley has been a longtime champion of maternal health and reproductive justice.

    • Throughout her time in Congress, Congresswoman Pressley has convened roundtable meetings with maternal health advocates and practitioners in the Massachusetts 7th Congressional District.
    • In May 2024, Rep. Pressley (MA-07) and Senators Tammy Duckworth (D-IL) and Patty Murray (D-WA), in partnership with disability justice and reproductive justice advocates, unveiled a bicameral resolution calling for equitable access to reproductive and sexual healthcare for people with disabilities, and designating a day in May as “Disability Reproductive Equity Day.”
    • In May 2024, Rep. Pressley announced the re-introduction of the Mamas First Act, legislation that directly and meaningfully addresses the maternal mortality crisis by expanding Medicaid to include doula and midwifery care. 
    • In May 2024, Rep. Pressley marked Mother’s Day with a powerful speech on the House floor in which she called for meaningful policy change to better support mothers and caregivers, including maternal health justice, affordable childcare, universal paid leave, reproductive freedom, home and community-based services, and more.
    • In October 2023, Rep. Pressley and Senator Cory Booker reintroduced the MOMMIES Act to improve maternal health outcomes.
    • In June 2023, Rep. Pressley, alongside Senator Patty Murray (D-WA), Rep. Cori Bush (MO-01), and Senator Tammy Duckworth (D-IL), reintroduced the Reproductive Health Care Accessibility Act, legislation to help people with disabilities—who face discrimination and extra barriers when seeking care—get better access to reproductive health care and the informed care they need to control their own reproductive lives.
    • In May 2023, Congresswoman Pressley and Congresswoman Gwen Moore (WI-04) introduced a resolution recognizing the role doulas play in providing culturally competent maternal health care, addressing racial inequities, and supporting healthier outcomes for mothers and their babies.
    • In December 2022, the House passed Congresswoman Pressley’s amendment to strengthen maternal health care for people who are incarcerated.
    • In September 2022, Rep. Pressley hosted HHS Secretary Xavier Becerra for a convening on their work to address the Black maternal health crisis and the criminalization of abortion care following the Dobbs decision.
    • In November 2021, at a briefing held by the U.S. Commission on Civil Rights (USCCR), Congresswoman Pressley delivered testimony on the growing racial disparities in maternal health and the urgent need to combat the Black maternal mortality crisis. Her full testimony at the briefing is available here.
    • In May 2021, she introduced the Healthy MOMMIES Act, to extend postpartum Medicaid coverage for pregnant people and expand coverage to include culturally competent and community based doula care.
    • In March 2020, she first introduced the Justice for Incarcerated Moms Act, legislation to improve maternal health care and support for pregnant individuals who are incarcerated, as part of the Momnibus legislative package. 
    • In 2019, she introduced The People’s Justice Guarantee ─ a comprehensive framework to transform the American criminal legal system into one that guarantees justice for all.  She also introduced the Healthy MOMMIES Act with Senator Cory Booker (D-NJ) to expand Medicaid coverage for new moms from 60-days postpartum to one year.

    ###

    MIL OSI USA News –

  • MIL-OSI Australia: New study amplifies rural voices to improve palliative care at end-of-life

    Source:

    13 May 2025

    As National Palliative Care Week (19–25 May 2024) approaches, a new study from the University of South Australia is shining a light on the experiences of rural South Australians who are navigating end-of-life care, in the hope of improving access to palliative care services and supports in rural and country areas.

    Conducted in partnership with the University of Adelaide and Flinders University and funded by The Hospital Research Foundation Group, the My Story, Our Journey project is capturing the lived experiences of rural people receiving, or supporting someone receiving, end-of-life care, to better understand what matters most to rural patients and their families during this time.

    Palliative care encompasses a range of emotional and physical supports, including pain relief, home-care assistance, grief support and counselling, and can be delivered by a wide range of health professionals and community members at any stage of illness.

    UniSA researcher and Project Lead, Associate Professor Kate Gunn, says palliative care is often misunderstood.

    “When we talk about palliative care, people sometimes think of a person at the very end of their life ‘giving up’, and the medical care they receive. But this is a misconception,” Assoc Prof Gunn says.

    “Palliative care is a holistic and broad approach to care that can be provided in a range of settings and aims to maximise quality of life for the patient as well as their family. It can offer them emotional, physical, and practical support from the time of their diagnosis of a life limiting illness, through to end of life.”

    The new study focuses on the palliative care needs of rural communities.                                                    

    “People living outside of major cities are notoriously under-supported and underserviced when it comes to health care – and palliative care is no different,” Assoc Prof Gunn says.

    “More than seven million Australians, almost 30% of the population, live in rural communities, yet only 16% of the palliative care workforce live and work in these areas.

    “Research tells us that earlier referral to palliative care services gives patients and families more control, helping them maximise their quality and quantity of life.

    “Yet patients living in country or rural areas have less opportunity to receive specialist palliative care, and this can negatively affect their wellbeing, and the wellbeing of their family members.

    “Our research hopes to give a voice to rural patients and their families, and to help advocate for support that best meets their needs.”

    The team has already begun speaking with participants but are hoping to hear from more rural families across a range of situations.

    Eligible participants include people who:

    • Are 18 years of age or older
    • Need some assistance with daily care
    • Have been told by their doctor that their illness cannot be cured
    • Live in rural South Australia

    To find out more or express your interest in participating, contact kate.gunn@unisa.edu.au.

    The study is funded by The Hospital Research Foundation Group – Palliative Care as part the Palliative Care Research Collaboration.

    The University of South Australia and the University of Adelaide are joining forces to become Australia’s new major university – Adelaide University. Building on the strengths, legacies and resources of two leading universities, Adelaide University will deliver globally relevant research at scale, innovative, industry-informed teaching and an outstanding student experience. Adelaide University will open its doors in January 2026. Find out more on the Adelaide University website.

    …………………………………………………………………………………………………………………………

    Contact for interview:  Assoc Prof Kate Gunn E: Kate.Gunn@unisa.edu.au
    Media contact: Annabel Mansfield M: +61 479 182 489 E: Annabel.Mansfield@unisa.edu.au

    Other articles you may be interested in

    MIL OSI News –

  • MIL-OSI Australia: Backing businesses during Light Rail Stage 2A and across the ACT

    Source: Australian National Party

    As part of ACT Government’s ‘One Government, One Voice’ program, we are transitioning this website across to our . You can access everything you need through this website while it’s happening.

    Released 12/05/2025 – Joint media release

    The ACT Government has today announced a targeted business support package to assist local businesses impacted by construction works for the Light Rail to Commonwealth project in and around London Circuit.

    The package includes practical and financial support informed by what we’ve heard from the businesses and designed to help during the disruption, with a focus on easing cost pressures and encouraging visitation to the area.

    Minister for Transport Chris Steel said the support recognises the real challenges facing businesses as the city delivers a once-in-a-generation infrastructure upgrade.

    “Light Rail is transforming our CBD as a vibrant and well-connected place to do business. However, we know that with construction of this part of the line there is an impact on nearby business particularly hospitality businesses,” Minister Steel said.

    “This package builds on the business partnership plan we have already put in place to support businesses during the construction.

    “The best thing that Canberrans can do right now to support businesses in the city is to get out and visit them. The businesses are open and we are encouraging Canberrans to support them through the measures announced today.”

    Light Rail Stage 2A business support measures include:

    • Effective immediately, free parking Wednesday to Sunday evenings from 5:30 pm, at nearby public car parks:
      • Theatre Lane Car Park (opposite Sydney Building)
      • City Hill Car Park (Section 116)
      • Canberra Olympic Pool Car Park (City southeast)
      • Note: The existing parking hours at Hobart Place are already aligned with these times
    • Outdoor dining permit fee waivers from 1 July 2025 for businesses directly impacted by construction activities
    • New CCTV cameras to be installed and upgraded around London Circuit to support safety during night-time trading
    • A campaign launching mid-year to promote that London Circuit is open for business, spotlighting local venues and retailers
    • Delivering place making improvements including additional lighting delivered by the City Renewal Authority
    • Business Capability Building Program offering free tailored advice

    This targeted package will be supported from 1 July by expanded liquor licence fee reductions available to all ACT hospitality businesses up to a 350-person capacity, building on significant reductions introduced in 2024 and delivering on ACT Labor’s commitment to the night-time economy.

    An automatic 50% liquor fee reduction will be expanded to cafes, restaurants and general licences up to 150-person capacity, previously the 50% discount was only applicable to cafes and restaurants up to 80-person capacity.

    A 50% liquor fee reduction will be expanded to venues showcasing artists between 151 to 350-person capacity, available upon application, in addition to the existing fee reduction of 80% for venues up to 150-person capacity.

    Minister for Night-Time Economy Tara Cheyne said supporting the city’s entertainment and hospitality sector is a key focus of the package.

    “Canberra’s city centre is home to some of our most loved bars, restaurants, and performance venues,” Minister Cheyne said.

    “By providing fee relief, enhancing public safety, and backing local activations, we’re helping ensure these businesses remain destinations of choice, even during construction.”

    “These initiatives are designed to encourage locals and visitors alike, to support our incredible hospitality sector. For these businesses, there is no substitute for patronage. I encourage Canberrans to get out across the city to explore and enjoy your favourite bars, restaurants and shops.”

    Minister for Business Michael Pettersson said the package was developed in consultation with traders and industry representatives.

    “We’ve listened to the concerns of local business owners and tailored this package to respond to what they need most,” Minister Pettersson said.

    “This is a practical response designed to ease pressure and maintain confidence in the city centre during construction.”

    Business owners in the London Circuit area will be contacted directly with further information on how to access support, and the Government will continue engaging with stakeholders as the project progresses.

    Visit the Light Rail to Woden website for more information.

    – Statement ends –

    Chris Steel, MLA | Tara Cheyne, MLA | Michael Pettersson, MLA | Media Releases

    «ACT Government Media Releases | «Minister Media Releases

    MIL OSI News –

  • MIL-OSI Australia: Skill up: Free TAFE applications now open for commencement in Semester 2 at CIT

    Source: Australian National Party

    As part of ACT Government’s ‘One Government, One Voice’ program, we are transitioning this website across to our . You can access everything you need through this website while it’s happening.

    Released 13/05/2025

    Pondering a career change, or keen to finally embark on training for your dream job?

    Since the start of Free TAFE in 2023, over 4,400 Canberrans have enrolled in Free TAFE – you could be next.

    Applications are now open for Semester 2 under the Free TAFE initiative in a range of hospitality, health and construction courses at CIT.

    Free TAFE recognises the importance of learning pathways and upcoming courses are funded by the Australian Government. CIT’s Free TAFE courses provide tuition free training to people seeking to learn, retrain or upskill.

    The courses on offer address skills shortages across essential in-demand sectors such as:

    • hospitality and tourism
    • construction
    • technical and digital
    • aged care, health and disability care
    • children’s education and care.

    People entering an industry for the first time without prior experience can start in a relevant short course to develop fundamental skills and industry knowledge before diving into the full qualification.

    To boost the number of skilled workers in the housing and construction industry, CIT has designed a new general construction and safety pre-apprenticeship short course for people to build skills, knowledge and confidence before starting a trade apprenticeship.

    Minister for Skills, Training and Industrial Relations, Michael Pettersson emphasised the initiatives impact on addressing the skills needs and gaps across various industry sectors in the ACT.

    “Free TAFE has been instrumental in helping people find new career paths or upskill in their current roles. By strategically addressing local sector needs, CIT’s course offerings have proven successful in filling critical skills gaps.

    The success of Free TAFE has led to an extension of the initiative for an additional three years, continuing until the end of 2026.

    Whether your passion is cooking, healthcare, or construction, CIT has something for you.”

    Visit the CIT website for more information about the courses on offer through Free TAFE and save Thursday 5 June 2025 in your diary for CIT’s Semester 2 Twilight Enrolment Session at the new CIT Woden.

    Free TAFE will inject over $16 million into the ACT skills and training sector from 2023 to 2026.

    – Statement ends –

    Michael Pettersson, MLA | Media Releases

    «ACT Government Media Releases | «Minister Media Releases

    MIL OSI News –

  • MIL-OSI New Zealand: Growing NZ – now and for the long term

    Source: NZ Music Month takes to the streets

    Tēna koutou kātoa. Greetings everyone. Thanks for coming.

    Thank you Sharesies for making the space available.

    You are exactly the sort of business we need more of to create opportunities for the next generation – Sharesies was started by smart people, who identified a gap in the market, harnessed technology and went about changing the way in which many New Zealanders invest.

    In just a few years you’ve grown from a tiny operation employing a handful of people to a business worth more than half a billion dollars, employing more than 200 people and expanding its reach to Australia. Hopefully, over time you’ll go further. 

    That’s a good news story for the people who work here, for the communities your incomes support, for the customers you serve and for our economy as a whole.  

    Sharesies is also an inspiration to other Kiwi entrepreneurs, including many in New Zealand’s booming Fin-Tech sector, which grew more than 20 per cent in the past year.

    I want to see more successes like this in New Zealand. When New Zealand entrepreneurs and startups do well, they create more and better paying jobs, more tax revenue to support government services, and more opportunities for us all.  

    That mission: driving economic growth and creating the conditions for business success, is at the heart of this year’s Government Budget.  

    Let me be clear, I don’t want growth just for growth’s sake, it’s much more than numbers on a chart for me. I want growth so that our kids, and future New Zealanders can enjoy the better choices, opportunities and standard of living we all aspire to and that too many Kiwis are missing out on today.

    On Thursday next week I’ll set out the full details of our Budget.  It will detail the Government’s specific spending and revenue choices, key new infrastructure investments, the path for borrowing and debt and our plans for strengthening the fundamentals of the New Zealand economy. I’m looking forward to delivering it.

    In a recent speech I detailed the difficult context in which the Government is delivering this year’s Budget.  New Zealand has gone through a tough few years of high inflation, high interest rates and little to no real growth. The Government has been running big deficits and accumulating debt and just as our economic recovery has gotten underway global events have conspired to make things harder.  

    That’s just reality. We can’t wish it away. Nor should we use it as an excuse to shy away from making choices now that will set New Zealand up better for the longer-term. 

    Today I want to talk a bit more about that longer-term picture and detail one specific Budget initiative that shows the Government’s commitment to sustained and long-term growth. 

    Because Budgets shouldn’t just be about the short term – who is getting what. Yes, there are a number of initiatives in the Budget designed to address the immediate issues of the here and now.   

    I am acutely conscious of the cost of living challenges many Kiwis are facing today and the hard yards so many people have gone through over these past few years. It’s essential that our Budget sustains the government services and supports they rely on, even though money is tighter than ever. Our Budget is built on a series of careful choices to ensure that’s possible, that we provide the funding needed for health, education, other vital public services and essential social supports.  

    But, as a responsible Government, we also need to be thinking ahead and addressing the structural challenges confronting our country. Our Budget also takes careful steps to do that, and that’s what I want to speak a bit more about today.  

    There are three key long-term challenges for New Zealand that  I spend a lot of time thinking about: They are productivity, social mobility and the ageing of the population.

    These are issues we need to be awake to now, lest we make life much harder for the people who follow us.  

    Let me make a few remarks about each of these challenges.

    I’ll start with productivity. Productivity is a key indicator of economic performance.  

    The most common measure of productivity is labour productivity which measures output per unit of time worked. 

    In New Zealand labour productivity has averaged just 0.3 per cent a year over the past 10 years. That is low by historic standards and low in comparison with our international peers.

    There’s no doubt Kiwis work hard, and in fact we work relatively big hours. Our challenge historically has been that we just don’t generate as much for that effort as those in some other countries. 

    Our labour productivity levels rank near the bottom of OECD countries, well behind those in Australia, Canada, the United Kingdom and the United States. 

    This rankles me. Not just because I’m competitive by nature, but because I think New Zealand has so much intrinsically going for it when compared to those countries. New Zealand can and must do better in the productivity race. 

    Why does low productivity matter? Because productivity determines how competitive our businesses are. The more competitive businesses are, the more people they can hire and the more money they can pay in salaries and wages. That in turn determines how fast our country can grow, and the revenue we have available for investing in the things that matter – like cancer drugs, education programmes, hospitals and Police.

    What are the causes of New Zealand’s low productivity rates?

    Treasury identifies three key problems. 

    First is low capital intensity, that is the machinery, tools and technology available per worker. More capital per worker typically means higher productivity and wages. The increase in New Zealand’s capital intensity has slowed over time from 1.9 per cent per year between 1997 and 2008 to 0.7 per cent between 2012 and 2023. Basically, our workers have less access to the machinery, innovation and technology that would allow them to be more productive. Our Budget will take steps to address that. 

    Second is low rates of foreign direct investment. This restricts the access Kiwi businesses have to the capital they need to grow and the world-leading know-how they need to thrive.  It slows uptake of innovation and best practices. Our Budget will take steps to address those issues too.  

    Third is export intensity. By international standards relatively few New Zealand businesses derive large portions of their income from exports. This reduces the scale of New Zealand businesses, competition and opportunities to learn. 

    The good news is, despite all the global shenanigans playing out, New Zealand is in the midst of an export-led economy recovery. Dairy farmers, horticulturalists, meat producers, all are doing well. In recent years New Zealand entrepreneurs have broken new ground in fields like space, film and accounting software. 

    Our Government is ambitious to build on this export success – with a stretch goal of doubling New Zealand’s exports by 2030.  Our Budget will take further steps to drive that work forward. 

    The thing with all these underlying productivity challenges is that there’s no quick fix, or easy road to success. It’s about doing lots of things well, over successive Budgets, keeping our eyes on the big prize while we deal with the here and now. 

    Budget initiatives in this area won’t make your household budget bigger today, but, over time, they are essential to growing the household budgets we have in future. 

    The next thing big challenge I want to talk about is social mobility. It’s a very Kiwi concept. The idea that no matter what background you come from, ours should be a country where with hard work and good choices you can have the opportunity to succeed.  

    That’s why our Government is putting so much emphasis on improving education achievement in our schools. Getting back to the basics of reading, writing and maths. And financial literacy too! Those skills are tickets to the game of life. We owe it to each and every Kiwi kid to make sure they leave school with those critical skills. 

    A desire to improve social mobility is also why our Government is revitalising the social investment approach developed by my predecessor Bill English. 

    Successive governments have spent huge sums trying to tackle the entrenched disadvantage that blights lives, pushes up costs for other New Zealanders and fuels criminal offending. 

    In addition to core social supports, government agencies collectively spend around $7 billion per year buying social services designed to deliver better lives for those with particularly challenging lives.

    However, despite the best intentions of all involved, this expenditure cannot be described as a success. There are some fantastic examples of lives being turned around, but the overall picture is grim. Too many Kiwis are trapped in cycles of inter-generational disadvantage.  We are spending more on ambulances at the bottom of the cliff than fences at the top. 

    Data now give us a very good ideal of those at greatest risk. We also know that intervening early increases the prospect of success. There are some incredible community and iwi organisations who know what to do, but too often they’re held back by the frustrations of government bureaucracy and short-termism. 

    We can do much much better here.  

    Shifting a young New Zealander off a life of welfare dependency and, potentially criminal offending, greatly reduces future costs for everyone else. But even more importantly it gives that New Zealander a chance to lead a fulfilling, productive life. We want that for all our kids.

    Later this week I’ll announce an initiative in this year’s Budget that is designed to do just that.  

    The third big challenge I think about is demographic change, more specifically the ageing of our population. 

    Kiwis are living longer – this is something to celebrate, but it also has an economic consequence as we seek to ensure people have the income and financial security they need in retirement. 

    There’s two things I think about here: one is KiwiSaver and the other is Government Superannuation. Let me make a few comments about each. 

    I’m delighted to see how many Kiwis are embracing KiwiSaver as a way of saving – for a first home and to supplement their income in retirement. 

    KiwiSaver membership is high – with more than 3 million members, representing around 96% of the working age population.  Fund balances differ but most working Kiwis choose to make regular contributions to their funds, matched by contributions from their employers.  

    KiwiSaver has become an increasingly important tool for people choosing to buy a first home – with around 42,000 people using their KiwiSaver funds for this purpose in the past year.

    It’s also an increasingly important supplement to support people’s incomes in retirement.

    The other good news story here is that the Reserve Bank estimates around 40 per cent of all KiwiSaver balances are invested in New Zealand-based financial products and assets.

    I want to acknowledge the work Sharesies has done to promote KiwiSaver uptake and your efforts to improve Kiwis understanding of how it can support their financial security.

    I share your mission.  I want to see KiwiSaver balances continue to grow and our Budget will contain steps to support that mission. 

    Let me now turn to New Zealand Superannuation.

    In 2000, there were about 6.5 people of working age (15 and over) for every superannuitant. Today there are about 4.7 people of working age for every superannuitant. By 2050 there are expected to only be about 3.6 people of working age for every superannuitant. 

    At the same time, superannuation costs are increasing both in dollar terms and as a proportion of GDP.  Gross expenditure on super in 2000 was $5.1 billion or 4.4 per cent of GDP. By 2050 it is expected to be $71.7 billion or 6.5 per cent of GDP.

    This leaping cost will play out in this year’s Budget.  New Zealand Superannuation costs will rise from $23.2 billion this year to $29.0 billion in 2028/29.  

    Put this together with the cost of healthcare, which increases every year, and it’s clear we need to be earning more as a country to support this growing cost.  

    In the coming years, increasing superannuation costs will be partially offset by withdrawals from the Superannuation Fund which was established to help smooth superannuation costs between generations.  

    We are now approaching the time when the Super Fund is big enough to ensure that withdrawals, rather than contributions, are the normal outcome each year. 

    This is not a Government decision, it is driven by a formula in the relevant Act. 

    In something of a milestone event, the first withdrawal is forecast to happen in 2028 – a very modest withdrawal of $32 million. 

    In the short term there will be some bouncing around between withdrawals and contributions.  

    But from 2031 onwards, projections show that withdrawals from the Super Fund are expected in every year. 

    Withdrawals help cover the costs of Superannuation, so taxpayers don’t face the full cost each year. 

    This does not mean that the Super Fund will get smaller. Far from it. The Fund currently has $80 billion of investments. On reasonable assumptions, Super Fund returns will outstrip withdrawals, and the Fund will continue to get bigger every year. 

    This brings me to the announcement I want to make today. 

    As part of its investment activity, the New Zealand Super Fund has invested $300 million in a venture capital fund called Elevate. 

    The fund was established in 2020 to support high-growth tech-based startups in New Zealand. 

    The fund was created to fill a funding gap at the so-called Series A/B stage of startup funding – the point at which startups typically need $2–$20 million to scale beyond early seed funding.

    The Elevate fund operates as a fund-of-funds. That is, it invests not directly in startups, but in private venture capital funds which must also attract private co-investment.

    In doing so, it supports the commercialisation of science and technology and helps export-focused startups to attract global investment. It also helps to attract global investment to New Zealand by showing there is a pipeline of companies reaching the Series C stage.

    The short-term goal is to increase startup funding. The long-term goal is to help build a self-sustaining venture capital market in New Zealand in which returns from previous investments fund future investments. 

    The results from Elevate’s first five years of operation are positive. 

    It has committed $221 million across nine funds and attracted $536 million of private capital – a ratio of 2.4 dollars of private equity for every $1 committed by the fund. 

    This has led to $440 million being invested in 123 startups across sectors like software, clean-tech, and med-tech.

    There have been some significant successes. I’ll give you a couple of examples. 

    First, Dawn Aerospace which is developing reusable spaceplanes and non-toxic satellite propulsion systems to make space access more sustainable and affordable. 

    In 2022, the Elevate fund helped close a $22m funding raise for Dawn with a number of local Venture Capital funds. 

    This was instrumental in bridging the gap to a larger fundraising round of over $100m. 

    Since then, Dawn has expanded operations to France in 2023 and established a European facility in the Netherlands, all whilst still being run out of Christchurch.

    26 satellites, 122 thrusters and 3 launchers later, Dawn Aerospace is at the cutting edge of its sector with an ever-growing global presence and domestic economic impact.

    Second, Halter which has created a smart collar for cows that uses GPS, sound, and vibration to guide livestock, allowing farmers to manage grazing, shifting, and monitoring from a phone. 

    The collar is transforming day-to-day farm operations. 

    With the help of Elevate backed funds, Halter raised $32m in a Series B funding round in 2021. 

    In the time since, Halter has tripled its workforce to meet growing demand in markets including Australia and the United States.

    It has since attracted further Series C fundraising and is continuing with its plans to revolutionise farming.

    In time, the Elevate fund is expected to become self-sustaining with the returns from previous investments funding future investments. 

    However, the fund is not yet self-sustaining. 

    Therefore, I am announcing today that the Government is committing an extra $100 million to the Elevate venture capital fund at Budget 2025.

    This will be funded through a combination of the 2025 contribution to the NZ Super Fund of $61 million, topped up with an additional $39 million from the Budget 2025 capital allowance.

    This follows the approach taken by the previous government when the Elevate fund was established. The initial government contribution was funded from the Crown’s contribution to the Super Fund. 

    The Government wants to see more companies like Sharesies capitalise on New Zealand talent and grow from small beginnings to create opportunities for other New Zealanders and contribute to the New Zealand economy.

    Let me finish on an optimistic note. 

    The international order is undergoing profound change. We are seeing a shift from rules to power, from economics to security and from efficiency to resiliency. 

    None of this is good news for a small, remote nation that relies on trade for prosperity. 

    But New Zealand is blessed with abundant natural resources, safe, secure, borders, strong institutions and decent, smart, resilient people. Our best years are ahead of us.  

    The job of government is to unlock that potential, for New Zealanders today and for New Zealanders in the years ahead. Next week’s Budget will be the next step in that process.

    Thank you for listening. 

    I understand we have time for a few questions if you have any. 

    MIL OSI New Zealand News –

  • MIL-OSI New Zealand: Politics and Unions – Unions barred from Budget 2025 lock-up – CTU

    Source: New Zealand Council of Trade Unions Te Kauae Kaimahi (CTU)

    The New Zealand Council of Trade Unions Te Kauae Kaimahi has sent an open letter to the Government objecting to its decision to block the NZCTU and other unions from attending the Budget lock-up on 22 May.

    “We object in the strongest possible terms to the Government’s decision to bar the NZCTU from the Budget 2025 lock-up. The NZCTU represents over 300,000 workers across the private and public sectors and is the largest democratic organisation in New Zealand,” said NZCTU President Richard Wagstaff.

    “Workers will be significantly impacted by the decisions made by government at Budget 2025, and it is important that the NZCTU can accurately report on Budget decisions to ensure working people are properly briefed.

    “This Government appears to believe the banks, international financial institutions, and consulting houses are more important than working people, and it seems that is why the representatives of working people have been denied access.

    “Last week the Government made the highly controversial decision to unilaterally gut the pay equity claims process. It is therefore unsurprising that it doesn’t want working people to understand the rationale and impacts of its Budget decisions this year,” said Wagstaff.

    MIL OSI New Zealand News –

  • MIL-Evening Report: As insurance gets harder to buy, NZ has 3 choices for disaster recovery – and we keep choosing the worst one

    Source: The Conversation (Au and NZ) – By Ilan Noy, Chair in the Economics of Disasters and Climate Change, Te Herenga Waka — Victoria University of Wellington

    The number of climate change-related extreme weather events) is on the rise, making it harder for many people to buy affordable home insurance.

    The industry has already signalled it is pulling out of some places in Aotearoa New Zealand, leaving the government and homeowners to question what happens next. This is not something that should be ignored, or met with ad-hoc, unplanned responses.

    Since insurance is required for residential mortgages, the retreat of insurance companies will have significant consequences for property prices and local economies.

    With the retreat of insurance companies a future certainty in some communities, the government must decide how to respond. In our new research), we developed the “trilemma” framework, outlining the policy trade-offs governments face in adapting to climate change.

    Deciding between trade-offs

    We found effective adaptation policy needs to achieve three goals:

    • incentivise risk reduction
    • be fiscally affordable
    • increase equity and wellbeing and reduce hardship.

    But any policy can satisfy only two of these three goals. The government has to make trade-offs.

    When it comes to responding to the retreat of private insurance, the options include:

    • doing nothing and letting “the market” adjust (with sharp price declines for affected properties)
    • replacing private insurance with a publicly-funded alternative
    • offering government-funded defences (for example, stopbanks) or buyouts to properties that can no longer be insured.

    Each one of these options involves giving up on at least one of the three policy goals.

    The Insurance Retreat Trilemma outlines the choices faced by governments when private insurance companies pull out of high-risk areas.
    Author provided, CC BY-NC-ND

    A world without private insurance

    Let us consider “Macondo”, a hypothetical community in a flood-prone area where insurance has “retreated”.

    Do nothing

    The “do nothing” option is when the government does not take a policy position on flood or storm insurance. This option has little to no cost for the government and, as long as people don’t expect buyouts, would incentivise risk reduction. But it leaves homeowners completely exposed to the increasing risk.

    In “Macondo”, some homeowners will have reduced the risk for their own properties (raising their houses, for example). Others won’t be able to do so and remain completely at the mercy of the elements.

    Those whose houses have been deemed uninsurable would have their mortgages automatically put into default. Some may have to sell their home at a much lower price and may remain indebted even after the sale.

    Local councils might offer to invest in defences for the community by building stopbanks, but that is less likely for poorer and smaller local councils.

    When an extreme weather event does happen, causing significant losses, the uninsured who own their homes may be unable to repair or rebuild and will be left destitute.

    Public replacement insurance

    In 1945, New Zealand’s government introduced public insurance for some natural hazards with the Earthquake and War Damage Commission. This later became the Earthquake Commission (EQC), and more recently, the Natural Hazards Commission (NHC). The commission was established as private insurers withdrew earthquake cover in the 1940s and landslip cover in the 1980s.

    The government could choose to extend NHC policies to fully cover weather events such as floods and storms (NHC now provides only partial cover for damage to land from these hazards). Or it could establish a different public insurance scheme to cover these hazards.

    When designed well, this option makes fiscal sense. For example, after 2010-2011 Christchurch earthquakes EQC cover for residential properties didn’t carry extra costs for the government.

    Public replacement insurance could also make recovery fairer for everyone. But providing a blanket safety net through a public insurance scheme would discourage risk reduction. With the greater sense of financial safety may come a higher appetite to build on more risky sites, and spend less to defend existing homes. This would result in even more exposure and more damage.

    In the wake of insurance retreat, successive governments have opted for a combination of publicly-funded defences with generously provisioned buyouts.
    Kerry Marshall/Getty Images

    Publicly-funded defences and buyouts

    Successive governments across a range of disasters have opted for the ad-hoc approach. This inevitably turns out to be a combination of publicly-funded defences with generously provisioned buyouts.

    This combination of defences and buyouts may be the most politically appealing in the short term, but it is also the least affordable and the least efficient option. This option leads to reduced risk (especially if buyouts are used) and can lessen hardship and even inequities.

    This policy was used in Westport after its damaging floods in 2021 and 2022. Similarly, the Auckland Anniversary Flood and Cyclone Gabrielle triggered large investments in buyouts and in new flood defences that will end up costing billions.

    Unfortunately for the affected residents in both cases, the process was not done preemptively following a carefully designed process. Instead, the response to each event was designed on the fly, was lengthy, and full of frustrating uncertainties, missteps, and missed opportunities.

    Proactive response needed

    Currently, every successive government in New Zealand chooses to do nothing and then switches to a defence and buyout choice when disaster strikes. This is the worst of all the trilemma policy options.

    A more proactive policy, even if well-conceived, cannot achieve all three of the goals we listed. But at least the choice between these trade-offs would be clear and transparent. It would also avoid all the inefficiencies created by the reactive policy choices our elected governments make now.

    We are grateful for the contribution of science writer Jo-Anne Hazel to this analysis.

    Ilan Noy has received research funding from the New Zealand Natural Hazards Commission (formerly the EQC).

    Belinda Storey has received research funding from the New Zealand Natural Hazards Commission (formerly the EQC).

    – ref. As insurance gets harder to buy, NZ has 3 choices for disaster recovery – and we keep choosing the worst one – https://theconversation.com/as-insurance-gets-harder-to-buy-nz-has-3-choices-for-disaster-recovery-and-we-keep-choosing-the-worst-one-255713

    MIL OSI Analysis – EveningReport.nz –

  • MIL-OSI USA: Cantwell Statement on House Republicans’ Proposed Medicaid Cuts

    US Senate News:

    Source: United States Senator for Washington Maria Cantwell
    05.12.25
    Cantwell Statement on House Republicans’ Proposed Medicaid Cuts
    Proposal unveiled last night would cause millions of poor Americans to lose coverage & drive up co-pays; GOP proposal could cancel health coverage for 780k Washingtonians
    WASHINGTON, D.C. – Last night, the Republican leadership of the U.S. House of Representatives released a draft proposal to cut $912 billion from the Energy and Commerce Committee budget — the committee that oversees Medicaid, the federal program that insures many low-income adults and children, pregnant people, seniors, and people with disabilities – by forcing at least 13.7 million Americans off their health insurance.
    U.S. Senator Maria Cantwell (D-WA), senior member of the Senate Finance Committee and ranking member of the Senate Committee on Commerce, Science, and Transportation, issued the following statement:
    “The House Republicans’ Medicaid proposals could cause over 780,000 Washingtonians to lose affordable health coverage – all to give the very richest Americans a massive tax cut,” said Sen. Cantwell. “Patients who are recovering from illness, a complicated birth, or opioid addiction should not also have to submit complex paperwork or cover excessive co-pays. As I’ve heard around the state, these shortsighted Medicaid cuts would be devastating, and will only hurt vulnerable patients, force hospitals to slash services or close altogether, and cost taxpayers more in the long run.”
    Medicaid, also known as Apple Health in Washington state, covers 1.9 million Washingtonians. On May 2, Sen. Cantwell released a snapshot report highlighting the impact that Medicaid cuts would have on Washington state’s highly-ranked long-term care system for seniors and people with disabilities. In February, she additionally released a snapshot report that demonstrated how cuts would harm health care access in Washington state, and followed up with a report in March that dove into impacts on the Puget Sound region.
    Highlights of those snapshot reports include:
    In Washington state, WA-04 (Central Washington) and WA-05 (Eastern Washington) have the highest proportions of adults and total population on Medicaid (Apple Health). In District 4, 70% of children are on Medicaid.
    In the Puget Sound, children in Seattle’s blue-collar strongholds would feel the deepest pain from Medicaid cuts. More than half of children in Burien, SeaTac, Kent, Federal Way, Auburn, Renton, and Rainier Valley depend on Medicaid.
    In an exclusive new survey of 68 WA nursing homes, 67 of 68 would cut services if Medicaid were cut by 5% or more, and 65% would consider closing.
    Over the past two months, Sen. Cantwell also took a tour around the state to hear from folks who would be directly impacted by cuts to Medicare. Doctors, patients, and health care providers in Seattle, Spokane, the Tri-Cities, and Wenatchee warned that such cuts would devastate Washington state’s health care system and limit access to lifesaving care.
    Last week, a coalition of Washington state hospital leaders and Republican elected officials sent a letter opposing any cuts to Medicaid. The group included the CEOs of Skyline Health and Klickitat Valley Hospital, as well as multiple Republican members of the Washington state legislature, leaders of Klickitat County, and councilmembers of White Salmon and Goldendale. The letter emphasized that hospitals in rural areas are especially reliant on Medicaid, and any funding reductions would result in loss of services or even hospital closures. The letter warned, “Any reduction in funding from any source will undoubtedly result in a reduction of services, reduction of access or worse – hospital closures,” and further that “Policy decisions that put a community’s access to healthcare in jeopardy are a sure way to hasten the demise of rural Washington State.”

    MIL OSI USA News –

  • MIL-OSI USA: News 05/9/2025 Blackburn Applauds Senate’s Unanimous Passage of Her Resolution Honoring 100 Years of the Grand Ole Opry

    US Senate News:

    Source: United States Senator Marsha Blackburn (R-Tenn)
    NASHVILLE, Tenn. – U.S. Senator Marsha Blackburn (R-Tenn.) delivered remarks on the Senate floor applauding the Senate’s unanimous passage of her resolution congratulating Nashville’s Grand Ole Opry on its upcoming 100th anniversary. 

    Click here to download Senator Blackburn’s remarks on the Senate floor.
     Click here to read the full text of the resolution.
    REMARKS AS PREPARED
    Mr. President, 100 years ago this November, the world of American music changed forever: Nashville’s Grand Ole Opry hit the airwaves for the very first time. 
    Today, fans across the country know it as “Country’s Most Famous Stage.” But at the time, it started as a small radio show at the National Life and Accident Insurance Company in downtown Nashville.
    In those early days, the Opry showcased the dance tunes and ballads that were being performed by a new generation of musicians in Tennessee and across the South. Drawing on America’s folk tradition, these artists were pioneering an entirely new genre: Country music.
    Soon, crowds were showing up at the company’s radio studio. And after moving between different venues in Nashville, the Opry arrived at its most famous former home, the Ryman Auditorium, in 1943.
    At the Ryman, some of the music tradition’s biggest stars made their Opry debut: Hank Williams, Patsy Cline, Johnny Cash, Elvis Presley, Dolly Parton, and many, many more.
    Since moving to its current home at the Grand Ole Opry House in 1974, the Opry has welcomed generation after generation of new stars who have stepped into its famous wooden circle and added another chapter to country music’s incredible history.
    Along the way, the Opry has become the longest-running radio show in U.S. history, reaching millions of listeners in America and across the world with its weekly broadcasts.
    To honor this extraordinary and historic institution, I am asking for unanimous consent to pass my resolution that congratulates the Opry on 100 years of incredible music, legendary performances, and musical heritage. Here’s to 100 more.

    MIL OSI USA News –

  • MIL-OSI USA: Rep. Peters Reintroduces the Providing Child Care for Police Officers Act

    Source: United States House of Representatives – Congressman Scott Peters (52nd District of California)

    Washington, DC – Today, Rep. Scott Peters (CA-50) reintroduced bipartisan legislation to address the childcare needs of law enforcement officers and their families. The Providing Child Care for Police Officers Act will help local police departments establish childcare options for their officers and address the nationwide police staffing shortages by making it easier for parents to enter and stay in the field. Rep. Peters is joined by Representatives David Valadao (CA-22), Josh Harder (CA-9), and Darrell Issa (CA-48) as co-leads on this legislation. 

      

    “Access to quality, reliable childcare is essential to recruitment and retention of the best, most representative police force we can have,” said Rep. Peters. “Our officers go out every day and ensure our children are safe — the least we can do is make sure there is someone to watch their kids when they are on duty. San Diego is leading the way to expand childcare opportunities for police officers, and I am working to support those efforts at the federal level.” 

     

    “Our Central Valley police departments continue to face staffing shortages, and we need real solutions to support the people who put their lives on the line to keep us safe,” said Rep. Valadao. “By making childcare more accessible for officers working long, irregular hours, this bipartisan bill reduces a major barrier for working parents in law enforcement and helps improve public safety in our communities.” 

     

    “We have a responsibility to provide our police officers with the tools, training, and equipment they need to safeguard our streets and protect our communities,” said Rep.  Issa. “This bill represents a creative and innovative approach to not only advance law and order everywhere it is needed, but allowing these brave men and women on the front lines to be both parents and police.” 

     

    “This is a no brainer – keeping our families safe starts by recruiting and retaining top-tier police officers,” said Rep. Harder. “Making sure our officers have access to quality, affordable child care means we increase the pool of talented, diverse recruits and keeps officers on the streets helping our communities.” 

     

    The Providing Child Care for Police Officers Act will: 

    − Establish a pilot program under the Administration for Children and Families to supply grants to law enforcement agencies to provide child care benefits to their officers. 

    − Authorize $24 million in funding for each of the next five fiscal years. Law enforcement agencies will be able to use this funding to construct or operate new center for police departments’ exclusive use, offer scholarships to subsidize the cost of care, or provide assistance for care for children with disabilities.  

    − Allow law enforcement agencies, local governments, and child care providers to determine each of their responsibilities while requiring local entities to contribute a scaled matching requirement over a three-year grant period. 

    − Set aside 20% of the total grant funding for police departments employing fewer than 200 officers. 

    − Require HHS to report to Congress the grant recipients, corresponding law enforcement agencies, employee retention and recruitment data, and the unmet child care needs of other first responder sectors. 

     

     

    San Diego is home to a first-of-its-kind local law enforcement child care facility which opened last year. 

      

    “As leaders of the 30×30 Initiative to advance women in policing, we commend Congressman Scott Peters for introducing this crucial legislation. Access to affordable, reliable child care is essential to recruiting and retaining women in law enforcement and other public safety roles. This bill represents a vital step toward investing in structural supports that improve the workplace for all employees and enhance public safety outcomes.” — Maureen McGough, Co-Founder, and Dr. Tanya Meisenholder, Director, 30×30 Initiative 

     

    “Law Enforcement Officers struggle daily trying to maintain a family life. Their schedules are both erratic and not predictable. Through their shift work, mandatory overtime court appearances and unpredictable critical incidents, they have to arrange care for minor children. It is often nearly impossible. This bill would provide that safety net for these dedicated public servants while allowing them to be responsible parents.”  — Sam Cabral, President of the International Union of Police Associations (IUPA) 

     

    “The Providing Child Care for Police Officers Act removes barriers to entry and retention for law enforcement parents by helping agencies establish childcare centers specifically tailored for officers and the nonstandard hours they work. The San Diego Police Officers Association, a NAPO member organization, created the first such childcare center in the nation and it has yielded a marked improvement in police work by easing the stresses and worries of childcare for officer parents.  This bill contributes to safer communities by assisting in the recruitment and retention of law enforcement officers.  We stand with Congressman Peters in support of this important bill and thank him for his leadership and support of the law enforcement community.” — Bill Johnson, Executive Director, National Association of Police Organizations 

     

    “Law enforcement officers have extremely demanding jobs, which are made even more difficult by the often-unconventional hours and the stresses of shift work. It is even more challenging for officers with young children. Many of these officers work nights or have non-traditional hours and may not have viable options for affordable childcare. Since most childcare programs only operate during traditional hours, the programs are often unable to accommodate law enforcement families.  The Providing Child Care for Police Officers Act addresses this issue by authorizing $24 million per year through Fiscal Year 2030 and will help law enforcement agencies establish childcare programs that work for these families. We are proud to support Representative Peters’ efforts to pass this legislation.” —  Patrick Yoes, National President of the Fraternal Order of Police 

      

    “PORAC strongly supports this bill to help ensure accessible and affordable childcare for peace officers across the nation. This vital legislation tackles childcare barriers for officers, boosting recruitment, retention, and public safety. PORAC is proud to lead the charge for our nation’s law enforcement families.” — Brian Marvel, President of the Peace Officers Research Association of California (PORAC) 

      

    “As recruiting and retention of police officers has become increasingly challenging across America, the San Diego Police Officer’s Association appreciates and supports Congressman Peters’ innovative Providing Child Care for Police Officers Act.  Childcare, in both rising cost and limited availability, has become a barrier to mothers and parents protecting and serving their communities.  This Act will help bridge that gap and help recruit from a wider group of people who want to serve their communities.” — Jared Wilson, President of San Diego Police Officer’s Association 

     

    “Thank you, Representative Peters, for your unwavering commitment to the vital issue of childcare assistance for law enforcement officers and deputies. I am a firm believer that our law enforcement officers and deputies deserve comprehensive support both on and off the job. Grant funding for childcare services is a crucial step in acknowledging the unique challenges these dedicated professionals face. As a profession that works around the clock, our employees make personal sacrifices to fulfill our mission of keeping everyone safe. Investing in our deputies ensures they can focus on protecting the community while knowing their families are cared for. I stand strongly in support for the Providing Child Care for Police Officers Act.” – Kelly A. Martinez, Sheriff, San Diego County 

     

     

    Background: 

    In recent years, law enforcement agencies have struggled to retain, hire, and train officers. At the same time, the nation has faced a shortage of child care providers, driving up costs and reducing options for working families. Police officers, in particular, are challenged by their nonstandard work schedules, with most child care centers operating under a 9 to 5 work day. Rep. Peters’ legislation would help ease this significant barrier to entry and retention for parents who wish to pursue careers in law enforcement and would help expand child care capacity in regions that are most in need. 

      

    Full text of the Providing Child Care for Police Officers Act can be found here.

    ###

    MIL OSI USA News –

  • MIL-OSI USA: Rep. Peters Launches Build America Caucus

    Source: United States House of Representatives – Congressman Scott Peters (52nd District of California)

    Abundance-Oriented Caucus to Focus on Peters’ Priorities: Unleashing American Energy, Building More Housing, Investing in Science

    Washington, D.C. – Today, Representative Scott Peters (CA-50), along with a bipartisan group of Congressmembers, launched the Build America Caucus as a founding member. The caucus will support the abundance movement: to ensure government delivers for Americans by tackling the self-imposed red tape that has led to a constricted and costly energy system, out-of-control housing costs, decades of infrastructure delays, and lagging investments. The caucus will also reinforce America’s lead in, and need to support, scientific discovery. The American people have lost faith in government’s ability to get things done, and instead often see government as an obstacle to timely results. The Build America Caucus will work to restore the public’s trust by advancing substantive legislation to cut red-tape and lower the cost of living.  

    Rep. Peters’ remarks at the caucus launch below:  

    “America prides itself on accomplishing big things:  winning world wars, sending man to the moon, or discovering the next medical breakthrough.  

    “During World War II, San Diego factories built a bomber an hour, a bomber an hour.  

    “We did it because the need was urgent. So, we found a way.  

    Our challenges have not gone away — our capacity to achieve great things has. 

    “Homelessness is on the rise, our electrical grid can’t meet future demand, and our competitors like China are supplanting our role as the scientific powerhouse of the world. 

    “We know we must build more housing, expand our grid, and invest in basic scientific research. Yet, we let NIMBYs from both sides hold projects hostage. We let so-called “environmental” groups mire transmission and clean energy projects in decades of litigation. And this administration slashes scientific funding and deters the best minds in the world from coming here. 

    “Today, we launch the Build America Caucus, the pro-growth abundance caucus, to think bigger and take real action to solve these problems, not just pay lip service. People are frustrated with all the delay, gridlock, and government-imposed red tape. Too often, we as lawmakers see that problem as the system we work in, instead of the system we have the power to change.  

    “I am working with colleagues on both sides of the aisle to rework the 50-year-old environmental laws that are ironically used to stop clean energy projects. This isn’t easy. We came close last year with the Energy Permitting Reform Act in the Senate, but it came with immense opposition from those who think the status quo is acceptable. We know that it is not. 

    “This caucus will stand ready to face the pressure from all sides on strong bipartisan efforts like this, as a commonsense majority that tunes out the noise so that we can get shit done.  

    “There are many political fights in D.C., but when I go back home, what I hear about over and over is the cost of living. The cost of housing, and electricity, and childcare. They are counting on us to put politics aside to make their lives better. That’s exactly what the Build America Caucus plans to do.”  

    Background:  

    Representative Peters has long championed the movement to make government more efficient, build more housing, update outdated laws to deliver reliable and affordable energy to power our economy, and invest in scientific innovation.

    Rep. Peters’ legislation in this space includes:

    The Building Chips in America Act* 

    The BIG WIRES Act 

    The SPEED and Reliability Act 

    The FASTER Act 

    The Advanced Reactor Fee Act*  

    The Build More Housing Near Transit Act 

    The Fix Our Forests Act 

    *Now law 

    ###

    MIL OSI USA News –

  • MIL-OSI USA: Rep. Peters & Colleagues Reintroduce Landmark Legislation to Restore Patent Protections

    Source: United States House of Representatives – Congressman Scott Peters (52nd District of California)

    WASHINGTON, D.C. – Today, Representatives Scott Peters (D-CA-50) and Kevin Kiley (R-CA-03) and U.S. Senators Thom Tillis (R-NC) and Chris Coons (D-DE) reintroduced legislation to restore patent eligibility for inventions that are essential to the life sciences and technology industries. Their Patent Eligibility Restoration Act will help support American businesses and universities from foreign actors that stand to steal their innovations.  

    “For more than two centuries, a U.S. patent has guaranteed inventions will be protected from theft, helping the U.S. become the innovation capital of the world. San Diego, in particular, is the proud home of a thriving life sciences and technology ecosystem that has benefited from these protections,” said Rep. Peters. “Over the last 15 years, however, several Supreme Court decisions have created confusion about what exactly is eligible for a patent. Innovators, consumers, and even the judges who adjudicate patent law have called on Congress to provide clarity on what can be patented. I look forward to working with Congressman Kiley, Senator Coons, and Senator Tillis to advance our Patent Eligibility Restoration Act and protect American innovation.” 

    “American innovators have been at a disadvantage in recent years because of the U.S. patent system,” said Rep. Kiley. “Convoluted Supreme Court rulings and tests on subject matter eligibility have made it increasingly difficult for inventors to receive patents, leading to foreign companies overtaking our own. That’s why I’m proud to introduce the bi-partisan Patent Eligibility Restoration Act, which will dramatically reverse this trend, and unleash a tide of economic growth and job creation here at home.” 

    “When American innovators know their ideas are eligible for patent protection, they take the risks that push us into the future – whether that’s the next medical test or the latest AI technology,” said Senator Coons. “PERA restores clarity to the law on what can be patented and what cannot – guidance that federal courts have been requesting for years and that the Supreme Court has refused to provide. Congress must step up to provide America’s inventors with the stable legal foundation they need to produce the cutting-edge technologies that power our economy.” 

    “Clear, reliable, and predictable patent rights are imperative to enable investments in the broad array of innovative technologies that are critical to the economic and global competitiveness of the United States, and to ensuring the national security of our great country,” said Senator Tillis. “Unfortunately, a series of Supreme Court decisions have rendered patent eligibility law unclear, unreliable, and unpredictable, resulting in U.S. inventors being unable to obtain patents in areas where our economic peers offer patent protection. This is particularly concerning in the economically critical areas of biotechnology and artificial intelligence. This bipartisan, bicameral legislation maintains the existing statutory categories of eligible subject matter, which have worked well for over two centuries, while addressing inappropriate judicially created eligibility limitations by creating clear rules for what is eligible. We cannot allow foreign adversaries like China to overtake us in key areas of technology innovation due to the current state of patent eligibility law. I look forward to continuing to work with all stakeholders on this important matter. Passing patent eligibility reform is one of my top legislative priorities.” 

    Background: 

    Throughout our history, patent law has generally recognized three limited judicial exceptions to patent eligibility: abstract ideas, natural phenomena, and laws of nature. Since 2010, the Supreme Court has handed down several rulings that vastly expand those three initial exceptions. As a result, new medical diagnostics, like those pioneered by the biosciences community in San Diego, are almost entirely excluded from patent eligibility. 

    There is widespread bipartisan agreement in Congress and across recent Administrations that reforms are necessary to restore the United States to a position of global strength and leadership in key areas of technology and innovation, such as medical diagnostics, biotechnology, personalized medicine, artificial intelligence, 5G, and blockchain. 

    PERA would replace vague judicial exceptions like “abstract ideas” and “laws of nature” with a clear statutory framework for determining patent eligibility. This change will give inventors and courts predictable guidelines, reducing confusion and inconsistency in patent determinations. 

    By broadening patent eligibility to include areas like AI and medical diagnostics, PERA brings U.S. patent law in line with our international competitors. This alignment will help prevent innovation and investment in these areas from drying up in the United States and flowing to countries with more accommodating patent systems. 

    Full text of the bill is available HERE.

    ###

    MIL OSI USA News –

  • MIL-OSI USA: Cassidy Announces $4.6 Million for Hurricane Ida Recovery Projects

    US Senate News:

    Source: United States Senator for Louisiana Bill Cassidy
    WASHINGTON – U.S. Senator Bill Cassidy, M.D. (R-LA) announced Louisiana will receive $4,558,830.45 from the Federal Emergency Management Agency (FEMA) in reimbursement for permanent repairs following Hurricane Ida.
    “Whether it’s a firehouse or a theater, these buildings matter to a community,” said Dr. Cassidy. “This funding improves public safety and restores cultural spaces for folks that live in the New Orleans area.”
    The City of New Orleans will receive $1,367,392.50 in federal funding for permanent repairs to the Mahalia Jackson Theater of the Performing Arts building damaged during Hurricane Ida. The City of Harahan will receive $3,191,437.95 in federal funding for the replacement of Fire Station No. 25 damaged following of Hurricane Ida.

    MIL OSI USA News –

  • MIL-OSI USA: Modifying Reciprocal Tariff Rates to Reflect Discussions with the People’s Republic of China

    US Senate News:

    Source: The White House
    By the authority vested in me as President by the Constitution and the laws of the United States of America, including the International Emergency Economic Powers Act (50 U.S.C. 1701 et seq.) (IEEPA), the National Emergencies Act (50 U.S.C. 1601 et seq.), section 604 of the Trade Act of 1974, as amended (19 U.S.C. 2483), and section 301 of title 3, United States Code, I hereby determine and order:
    Section 1.  Background.  In Executive Order 14257 of April 2, 2025 (Regulating Imports With a Reciprocal Tariff to Rectify Trade Practices that Contribute to Large and Persistent Annual United States Goods Trade Deficits), I declared a national emergency arising from conditions reflected in large and persistent annual U.S. goods trade deficits, and imposed additional ad valorem duties that I deemed necessary and appropriate to deal with that unusual and extraordinary threat, which has its source in whole or substantial part outside the United States, to the national security and economy of the United States.  Section 4(b) of Executive Order 14257 provided that “[s]hould any trading partner retaliate against the United States in response to this action through import duties on U.S. exports or other measures, I may further modify the [Harmonized Tariff Schedule of the United States] to increase or expand in scope the duties imposed under this order to ensure the efficacy of this action.”In Executive Order 14259 of April 8, 2025 (Amendment to Reciprocal Tariffs and Updated Duties as Applied to Low-Value Imports From the People’s Republic of China), and Executive Order 14266 of April 9, 2025 (Modifying Reciprocal Tariff Rates To Reflect Trading Partner Retaliation and Alignment), pursuant to section 4(b) of Executive Order 14257, I ordered modifications of the Harmonized Tariff Schedule of the United States (HTSUS) to raise the applicablead valorem duty rate for imports from the People’s Republic of China (PRC) established in Executive Order 14257, in recognition of the fact that the State Council Tariff Commission of the PRC announced that it would retaliate against the United States in response to Executive Order 14257 and Executive Order 14259.Section 4(c) of Executive Order 14257 provided that, “[s]hould any trading partner take significant steps to remedy non-reciprocal trade arrangements and align sufficiently with the United States on economic and national security matters, I may further modify the HTSUS to decrease or limit in scope the duties imposed under this order.”  Since I signed Executive Order 14266, the United States has entered into discussions with the PRC to address the lack of trade reciprocity in our economic relationship and our resulting national and economic security concerns.  Conducting these discussions is a significant step by the PRC toward remedying non-reciprocal trade arrangements and addressing the concerns of the United States relating to economic and national security matters.
    Pursuant to section 4(c) of Executive Order 14257, I have determined that it is necessary and appropriate to address the national emergency declared in that order by modifying the HTSUS to suspend for a period of 90 days application of the additional ad valorem duties imposed on the PRC listed in Annex I to Executive Order 14257, as amended by Executive Order 14259 and Executive Order 14266, and clarified in the Presidential Memorandum of April 11, 2025 (Clarification of Exceptions Under Executive Order 14257 of April 2, 2025, as Amended), and to instead impose on articles of the PRC an additional ad valorem rate of duty as set forth herein, pursuant to the terms of, and except as otherwise provided in, Executive Order 14257, as modified by this order. 
    Sec. 2.  Suspension of Country-Specific Ad Valorem Rate of Duty.  Effective with respect to goods entered for consumption, or withdrawn from warehouse for consumption, on or after 12:01 a.m. eastern daylight time on May 14, 2025, all articles imported into the customs territory of the United States from the PRC, including Hong Kong and Macau, shall be, consistent with law, subject to an additional ad valorem rate of duty of 10 percent subject to all applicable exceptions set forth in Executive Order 14257 and the Presidential Memorandum of April 11, 2025.  This ad valorem rate of duty of 10 percent reflects (i) the modification of the application of the additional ad valorem rate of duty on articles of China (including articles of Hong Kong and Macau) set forth in Executive Order 14257, by suspending 24 percentage points of that rate for an initial period of 90 days, and the retention of the remaining ad valorem rate of 10 percent on those articles pursuant to the terms of said order; and (ii) the removal of the modified additional ad valorem rates of duty on those articles imposed by Executive Order 14259 and Executive Order 14266.
    Sec. 3.  Tariff Modifications.  In recognition of the intentions of the PRC to facilitate addressing the national emergency declared in Executive Order 14257, the HTSUS shall be modified as follows:Effective with respect to goods entered for consumption, or withdrawn from warehouse for consumption, on or after 12:01 a.m. eastern daylight time on May 14, 2025: (a)  heading 9903.01.25 of the HTSUS shall be amended by deleting the article description and by inserting “Articles the product of any country, except for products described in headings 9903.01.26–9903.01.33, and except as provided for in heading 9903.01.34, as provided for in subdivision (v) of U.S. note 2 to this subchapter . . . . . . ” in lieu thereof;(b)  heading 9903.01.63 of the HTSUS shall be amended by deleting “125%” each place that it appears and by inserting “34%” in lieu thereof;(c)  subdivision (v)(xiii)(10) of U.S. note 2 to subchapter III of chapter 99 of the HTSUS shall be amended by deleting “125%”, and by inserting “34%” in lieu thereof; and(d)  heading 9903.01.63 and subdivision (v)(xiii)(10) of U.S. note 2 to subchapter III of chapter 99 of the HTSUS are hereby suspended for a period of 90 days beginning at 12:01 a.m. eastern daylight time on May 14, 2025.
    Sec. 4.  De Minimis Tariff Decrease.  To ensure that the reduction in duties pursuant to section 2 of this order is made fully effective and the purpose of Executive Order 14257, as amended, is not undermined, I also deem it necessary and appropriate to:(a)  decrease the ad valorem rate of duty set forth in section 2(c)(i) of Executive Order 14256 of April 2, 2025 (Further Amendment to Duties Addressing the Synthetic Opioid Supply Chain in the People’s Republic of China as Applied to Low-Value Imports), as modified by Executive Order 14259 and Executive Order 14266, from 120 percent to 54 percent;(b)  retain in effect the per postal item containing goods duty of 100 dollars in section 2(c)(ii) of Executive Order 14256, as modified by Executive Order 14259 and Executive Order 14266, that has been in effect since 12:01 a.m. eastern daylight time on May 2, 2025, unless and until otherwise modified by a subsequent executive action, notwithstanding the increase contemplated effective June 1, 2025, pursuant to Executive Order 14256, as modified by Executive Order 14259 and Executive Order 14266; and(c)  modify the HTSUS, effective with respect to goods entered for consumption, or withdrawn from warehouse for consumption, on or after 12:01 a.m. eastern daylight time on May 14, 2025, as follows:(i)   subdivision (w) of U.S. note 2 to subchapter III of chapter 99 of the HTSUS shall be amended by deleting “120 percent”, and by inserting “54 percent” in lieu thereof; and(ii)  subdivision (w) of U.S. note 2 to subchapter III of chapter 99 of the HTSUS shall be amended by deleting “, and before 12:01 a.m. eastern daylight time on June 1, 2025.  For merchandise entered for consumption on or after 12:01 a.m. eastern daylight time on June 1, 2025, the applicable specific duty rate is $200 per postal item containing such goods.”
    Sec. 5.  Implementation.  The Secretary of Commerce, the Secretary of Homeland Security, and the United States Trade Representative, as applicable, in consultation with the Secretary of State, the Secretary of the Treasury, the Assistant to the President for National Security Affairs, the Assistant to the President for Economic Policy, the Senior Counselor to the President for Trade and Manufacturing, and the Chair of the United States International Trade Commission, are directed to take all necessary actions to implement and effectuate this order, consistent with applicable law, including through temporary suspension or amendment of regulations or notices in the Federal Register and adopting rules and regulations, and are authorized to take such actions, and to employ all powers granted to the President by IEEPA, as may be necessary to implement this order.  Each executive department and agency shall take all appropriate measures within its authority to implement this order.
    Sec. 6.  General Provisions.  (a)  Nothing in this order shall be construed to impair or otherwise affect:(i)   the authority granted by law to an executive department, agency, or the head thereof; or(ii)  the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.(b)  This order shall be implemented consistent with applicable law and subject to the availability of appropriations.(c)  This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.(d)  The costs for publication of this order shall be borne by the Department of Commerce.  
                                   DONALD J. TRUMP   THE WHITE HOUSE,    May 12, 2025.

    MIL OSI USA News –

  • MIL-OSI Economics: Media release: Australian oil and gas sector welcomes new Albanese Ministry – Australian Energy Producers

    Source: Australian Petroleum Production & Exploration Association

    Headline: Media release: Australian oil and gas sector welcomes new Albanese Ministry – Australian Energy Producers

    Australia’s oil and gas industry looks forward to working with Prime Minister Anthony Albanese’s new Ministry to progress necessary reforms for Australia’s long-term energy security and economic growth.

    Australian Energy Producers Chief Executive Samantha McCulloch welcomed the re-appointment of Minister for Resources and Northern Australia Madeleine King.

    “Minister King understands the critical and long-term role of natural gas in our energy mix and the importance of a strong and sustainable gas industry for Australia. We welcome the opportunity to continue to work with Minister King on the implementation of the Future Gas Strategy” Ms McCulloch said.

    “An urgent priority must be removing barriers to new gas supply. The industry is committed to working with the Government to provide certainty for investment and ensure reliable and affordable energy for Australian households and industry.”

    Ms McCulloch also welcomed the appointments of Minister for Environment and Water Murray Watt and Minister for Industry and Innovation Tim Ayres.

    “Minister Watt has an important job ahead to fix Australia’s environmental approvals system, with the delayed decision on the North West Shelf extension an immediate focus,” Ms McCulloch said.

    Ms McCulloch also welcomed the reappointment of Minister for Climate Change and Energy Chris Bowen, ahead of the upcoming review of the Gas Market Code.

    “The review is an opportunity for Government to work with gas producers, users and other stakeholders on reforms to the Code that restore market signals, remove duplicative and onerous reporting requirements, and address barriers to new gas supply,” Ms McCulloch said.

    Australian Energy Producers also acknowledged outgoing ministers Tanya Plibersek for her contribution in the environment portfolio, and Ed Husic in the industry portfolio.

    Media contact: 0434 631 511

    MIL OSI Economics –

  • MIL-OSI USA: Luján Statement on Congressional Republicans Pushing Largest Medicaid Cut In History, Kicking Millions Off SNAP and Nutrition Programs

    US Senate News:

    Source: United States Senator Ben Ray Luján (D-New Mexico)
    Nonpartisan CBO Analysis Shows All Savings from Republican Bill Come from Benefit Cuts, Terminating Health Coverage, and Payment Cuts for Doctors, Hospitals, Nursing Homes, and Home Care Providers
    House Committees Meeting This Week to Advance Tax Scam, Gut Medicaid and Nutrition Programs
    Washington, D.C. – U.S. Senator Ben Ray Luján (D-N.M.) issued the following statement on Congressional Republicans advancing a reconciliation bill that would strip millions of Americans of their health insurance and access to vital nutrition programs:
    “Congressional Republicans are moving forward this week with the Trump Tax Scam 2.0 – and in the process, they’re kicking millions off their health insurance, gutting vital nutrition assistance, and putting the health and well-being of the most vulnerable Americans at risk. All of this is being done to pass yet another tax scam for the wealthiest Americans and corporate interests.
    “This plan raises costs for families and rips opportunities away. From seniors in nursing homes and children in school meal programs, to veterans needing care, these drastic cuts will leave Americans behind. This playbook isn’t new – and once again, it’s hardworking Americans who will pay the price. Democrats will fight back to protect Medicaid, SNAP, and the dignity that all Americans deserve.”

    MIL OSI USA News –

  • MIL-OSI New Zealand: Release; Budget should not be paid for by working women

    Source: New Zealand Labour Party

    The Government must do three things in Budget 2025 if it is genuinely going to turn things around for New Zealanders.

    “First, it will need to properly fund our frontline public services,” Labour Leader Chris Hipkins said.

    “Second, it will need to provide a credible answer to how the Government is going to fund all of its promises, and that should not be at the expense of working women.

    “Third, they need to show they have a plan to invest in our future. To rebuild our ageing schools, hospitals, public homes and infrastructure. To create jobs, upskill our workers, and raise wages and living standards.

    “Because fundamentally, good economic management is about people. Shifting numbers around on a page while making life harder for everyday working Kiwis is not a sign of success.

    “Christopher Luxon and Nicola Willis say there is no alternative. But there is always an alternative – choosing billions in tax breaks for landlords and tobacco companies are not the choices Labour would have made.

    “Borrowing $12 billion for tax cuts while cutting jobs, cutting investment, and cutting hope for future generations are not choices Labour would make.

    “A good, responsible manager of New Zealand’s economy would not fund their Budget by cutting women’s pay,” Chris Hipkins said.

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    MIL OSI New Zealand News –

  • MIL-OSI New Zealand: Chris Hipkins: Pre-Budget speech

    Source: New Zealand Labour Party

    So as we gather here for an early conversation about next week’s Budget, it’s also a good time for us to have some hard, and honest, conversations about the crossroads our country finds itself at.

    We’re at a moment that demands honesty. A moment that demands leadership. And above all, a moment that demands hope.

    I want to say upfront that paying for your Budget at the expense of women, cutting their chance at fair pay, is the opposite of all of those things.

    I think the reaction over the past week has been swift, strong and utterly justified.

    Women all over this country rightly felt like pay equity was something they had fought for, in some cases devoting their lives to it. It was hard fought, and we were making progress.

    Let’s be clear – this Government is gaslighting all Kiwi women.

    Telling them they aren’t cutting women’s pay on one hand, while cancelling 33 active claims representing hundreds of thousands of women with no due process on the other.

    Claiming it wasn’t to pay for their Budget, then admitting their changes will see billions slashed from that same Budget.

    I think one of the many reasons this is resonating so strongly is because for many Kiwis, the promises they were sold at the last election have turned to dust.

    They were told the economy would be stronger. But it’s slower.

    They were told the cost of living would come down. But prices have gone up.

    They were told families with kids would get an extra $250 a fortnight to help with the cost of living, yet only a handful, if that, are getting it.

    They were told a new government would get things moving, and yet building projects have ground to a halt and 13,000 people working in construction lost their jobs.

    They were told the country would be united. But it’s more divided than ever.

    And at every turn, when people ask ‘why can’t we invest in our schools, in our hospitals, in our future?’ the government is giving them the same answer:

    “There’s no alternative.”

    Well, let me be clear: there is always an alternative. There are always choices.

    And this government is making the wrong ones.

    A $3 billion tax break for landlords while cutting funding for pay equity for women.

    A rollback of our world-leading smoke-free laws while giving tobacco companies over $200 million in tax breaks.

    Borrowing $12 billion for tax cuts while cutting jobs, cutting investment, and cutting hope for future generations.

    They are choosing austerity. Nicola Willis doesn’t like that word, but it is absolutely true. Choosing decline. Choosing division.

    But we in Labour are choosing a different path. A better path. A fairer path. One that puts people at the heart of our economy and decency back at the heart of our politics.

    Because we’ve done it before, and we can do it again.

    There are challenges ahead. Challenges like the rise of artificial intelligence and the changing nature of work that’s going to prompt.

    The climate crisis, and the energy transition that’s going to demand.

    An ageing population, in need of care and dignity.

    The widening gap between rich and poor, between city and region, between young and old.

    And the creeping polarisation that seeks to divide us, when what we need most is to come together.

    What’s this government’s response now to these challenges?

    Deregulate here. Privatise there.

    If it moves, sell it. If it breaks, blame someone else.

    This is a government more interested in finding someone else to blame than solving the problems facing the country.

    They’re trying to solve the challenges of the 21st century with ideas from the 19th.

    They have no plan for the future. Just slogans and spreadsheets.

    But we do have a plan. A serious, credible, ambitious plan one that is rooted in fairness, decency, and community. One that believes in people. One that backs New Zealand.

    Labour is the party that governs for all, not just a few.

    Let’s start with the economy—because you can’t build anything if your foundations are crumbling.

    The current government loves to repeat the myth that New Zealand is drowning in debt.

    Let’s look at the facts. Before COVID-19 arrived, our net core Crown debt was around 18%. After the pandemic, it peaked at 40%. That’s an increase—but it’s broadly in line with what National borrowed during the Global Financial Crisis, when they increased debt by 20%.

    And if you include our assetts—like the New Zealand Super Fund—our net debt falls closer to 25%. That’s still one of the lowest levels in the developed world.

    You wouldn’t sell your house because of a mortgage you can easily manage. And we shouldn’t sell our public assets because of debt that’s low by international standards.

    And net debt isn’t the full story either. The government’s net worth more than doubled over the past decade —from $81 billion in 2014 to $191 billion in 2023.

    We need a more mature conversation about government debt and assets than the one that we are having at the moment.

    Borrowing more money to support a higher number of people on unemployment benefits because you’ve slashed government investment in areas like infrastructure and housing simply isn’t sustainable.

    Now is exactly the time for government to make the investments we need in infrastructure, housing, health, and our environment so we are creating jobs and get New Zealand moving again.

    Anchor projects funded by government have helped us get through major economic shocks before, like the rollout of broadband during the GFC. They create jobs, stimulate the economy, and leave a positive legacy for the future.

    Yet all we’ve seen from this government so far is big talk about a pipeline of future projects that’s yet to eventuate. In fact, the opposite has happened. They spent less last year than the year before.

    All the big talk about infrastructure is actually resulting in less investment in it.

    Talking about economic growth without actually having a plan to deliver it just doesn’t cut it.

    Labour will get New Zealand back to work, just as we’ve done before.

    We didn’t get everything right in government, but let’s put a few facts on the table.

    GDP per person grew by $18,000 under the last Labour government—more than under either the Clark or Key governments, despite the fact we were in office for 3 years less than both of those predecessor governments.

    And wages? Under Bolger and Shipley, ordinary hourly pay grew by $3.30 over nine years. Under Clark, $7.22. Under Key and English, $6.29. Under Ardern and Hipkins? $9.98.

    We grew the economy faster. We lifted wages faster. We created more jobs. Unemployment was lower.

    So when the government tells you there is no alternative to cuts—don’t believe it. There is.

    But it’s not just about numbers. It’s about values.

    If we are genuinely going to turn things around, and provide New Zealanders with hope and the opportunity of a better future, this year’s Budget will need to do three things.

    First, it will need to properly fund our frontline public services like health, education, aged care and police.

    National promised New Zealanders before the election frontline public services wouldn’t be cut, yet hiring freezes in health, cuts to specialist teachers, and cruel cuts to disability support all serve as vivid examples that just wasn’t true.

    Second, it will need to provide a credible answer to how the government is going to fund all of its promises, and that should not be at the expense of working New Zealand women.

    They’ve committing billions in infrastructure investment, for example, but still haven’t said how they will pay for it all.

    Third, they need to show they have a plan to invest in our future. To rebuild our ageing schools, hospitals, public homes and infrastructure. To create jobs, upskill our workers, and raising wages and living standards.

    Because fundamentally, good economic management is about people. Shifting numbers around on a page while making life harder for everyday working Kiwis is not a sign of success.

    How can we look our kids in the eye when we give $3 billion tax break to landlords—while cutting funding for food banks?

    How can we justify increasing returns for landlords while we cut the pay of those who clean our hospitals and protect our schools?

    We can’t. We won’t and we shouldn’t.

    Labour is not anti-wealth. We are anti-poverty. And we are pro-opportunity—for everyone.

    We believe in a fair tax system, and you’ll hear more from us on that soon. Not to punish success, but to ask those who have benefitted most to contribute their fair share—to the schools that taught them, the roads that connect them, and the hospitals that care for their families.

    Because you can’t build a strong economy on a weak society.

    We want to build a country where our kids don’t feel they have to leave New Zealand to build a life for themselves.

    Where our elders can live with dignity.

    Where no child goes hungry.

    Where our businesses thrive.

    Where being a nurse, a teacher, or a farmer isn’t a path to burnout—but a path to pride.

    We want New Zealand to be a place where our best and brightest don’t just want to stay—but they can stay. Because there is opportunity here. Hope here. A future here.

    We know the future will test us. Artificial intelligence is going to change how we work. Climate change is going to challenge how we live. New technologies will transform jobs and our industries.

    But these aren’t reasons to fear the future. They are reasons to shape it.

    And that’s exactly what Labour will do.

    We will invest in green energy and the industries of tomorrow.

    We will reform our education system so that we prepare young people for the jobs of the future—not the jobs of the 19th century.

    We will make sure that new technologies benefit everyone, not just the few.

    We will build homes—not sell them off.

    We will protect our environment—not carve it up and privatise it.

    And need to focus on uniting this country—not driving division.

    Because diversity is not a weakness. It is our greatest strength.

    Whether you are Māori, Pākehā, Pasifika, Asian, or new to this land—you are all Kiwis.

    Whether you’re a nurse in Palmerston North, a teacher in Ōtaki, a small business owner in Timaru, a cleaner in South Auckland, a builder in Rotorua, or a farmer in Wairoa – your contribution matters.

    Whether you’re young or old, rich or poor, gay or straight or transgender, Labour sees you. Labour hears you. Labour is fighting for you.

    Because what unites us is far greater than what divides us.

    We are a nation of workers and dreamers, of creators and carers.

    We believe in fairness. In decency. In community.

    And we believe the role of government is not to sit on the sidelines—it’s to step up, to help, to serve.

    This government is making different choices. Choosing a lucky few, over the rest of us.

    And those choices show us, more than anything, what kind of country this government wants to build.

    But I ask you: is that the country we want?

    A broken health system.

    Children going to school hungry.

    People sleeping in cars.

    And a generation—our kids—growing up believing they may never own a home, never raise a family, never build a future here.

    Or do we want a New Zealand where everyone gets a fair go?

    Where the dignity of work is restored, the promise of opportunity renewed, and the bonds of community rebuilt?

    We’re not here to manage decline. We are here to build the future.

    A future where prosperity is shared.

    Where no one is left behind.

    Where we choose hope over fear.

    Where we say to the next generation: yes—you can dream here. You can build here. You can stay here.

    We’ve done it before.

    And with your support, we’ll do it again.

    Let’s build a better way. Together.

    Kia kaha. Kia māia. Kia manawanui.

    Thank you.

    MIL OSI New Zealand News –

  • MIL-OSI New Zealand: Rare duck on the comeback near Milford Track

    Source: Police investigating after shots fired at Hastings house

    Date:  13 May 2025

    The small brown ducks found only in Aotearoa New Zealand previously became extinct in the South Island due to the combined impacts of predators, habitat loss and other threats.

    Since 2009, captive-reared pāteke have been reintroduced to the area around the Milford Track – one of only two restored populations in the South Island.

    Department of Conservation Biodiversity Ranger Louise McLaughlin and team celebrated the success by releasing 40 more captive-reared pāteke in the Arthur Valley to join their thriving friends in early May.

    Louise says with support from Air New Zealand and iwi, DOC staff release and monitor pāteke with specialised transmitters.

    “We’re not just throwing them out there and hoping for the best, we’re tracking their survival, and learning, always learning.

    “With high rainfall and risk of floods, this can be a tough location for pāteke, but their biggest threat remains their vulnerability to introduced predators. They just don’t have a ‘fight back’ mechanism at all, they’re sitting ducks.

    “Fortunately, we’ve seen incredible survival rates following 1080 predator control operations. This year we’ve had more than 86% survival. In the years when we don’t have 1080 operations, survival can drop to as low as 16%.”

    With more pāteke dabbling in the rivers, visitors to the Milford Track are more likely to spot this unique duck in the future.

    Every year 25 million native birds are killed by invasive predators. DOC’s National Predator Control Programme protects threatened native species by regularly suppressing introduced predators across large forest areas on public conservation land.

    In the Arthur and Clinton valleys DOC uses aerially applied biodegradable 1080 to target rats, possums and stoats, supported by traps along the valley floor to target stoats in between 1080 operation years. The frequency of 1080 operations is dependent on predator numbers, and the most recent operation was in 2024.

    “It’s so wonderful doing the monitoring after we’ve had a 1080 operation. There is more life in the forest, there are more nests, more fledglings, and it’s not just pāteke, it’s benefiting all our native forest animals,” says Louise.

    With predators controlled, pāteke have a chance to build their resilience to natural threats.

    “We’re finding that the longer they survive out there, the better they get at putting their nests in smart locations above the floodline. The population is becoming more savvy, more fit for this location.”

    The recent pāteke release has been made possible by Auckland Zoo, Ōtorohanga Kiwi House, Central Energy Trust Wildbase Recovery, Ngā Manu Nature Reserve, Pūkaha National Wildlife Centre, Staglands Wildlife Reserve, Natureland Wildlife Trust, Orana Wildlife Park, Willowbank Wildlife Reserve, Kiwi Park, and The Isaac Conservation and Wildlife Trust, with the support of Air New Zealand.

    Contact

    For media enquiries contact:

    Email: media@doc.govt.nz

    MIL OSI New Zealand News –

  • MIL-OSI USA: Reed Opposes House GOP’s Steep Cuts to Medicaid Could Leave Thousands of RIers Without Health Coverage

    US Senate News:

    Source: United States Senator for Rhode Island Jack Reed
    WASHINGTON, DC — U.S. Senator Jack Reed (D-RI) says House Republicans are proposing “catastrophic cuts” to federal Medicaid funding that goes to states to help provide health coverage.  In Rhode Island, the federal-state program pays for about 1 in 4 Rhode Islanders’ health care and has become a key underpinning of the state’s economy.
    On Sunday night, House Republicans released a plan they worked out behind closed doors to slash Medicaid.  The New York Times reports the House Republican plan “would cause millions of poor Americans to lose Medicaid health coverage and millions more to pay higher fees when they go to the doctor.” 
    Senator Reed pointed out that the so-called savings in the bill will simply increase costs on families, communities, and states – stripping health care away from millions in order to give tax breaks to billionaires.
    “The Republican prescription is less health care for vulnerable Americans, more people without insurance seeking uncompensated emergency room care at higher costs, and higher prices and premiums for those who still have health insurance and must pay more out of pocket.  I strongly oppose the Republican plan to strip health care from millions of people, adding stress to seniors on fixed incomes and Americans with disabilities who can’t work,” said Senator Reed. “The Republican plan would leave nursing home residents, children, our economy, and health care system worse off.  I will work hard to prevent these catastrophic cuts to Medicaid.”
    The House Energy and Commerce Committee is scheduled to hold a mark-up Tuesday of its share of the budget reconciliation package that Republicans are using to pass President Trump’s billionaire-first tax agenda.  They plan to cut $880 billion over a decade to help offset the increased deficit spending that would result from tax giveaways to special interests and the wealthiest Americans. 
    Nationwide, Medicaid provides health care services for more than 72 million people. Among those who qualify for care are the low-income elderly, those with disabilities, and about half of all children.  Approximately 44 percent of births in Rhode Island are covered by Medicaid.
    According to the Congressional Budget Office (CBO) — the nonpartisan federal agency that advises Congress — the Energy and Commerce Committee Republicans’ bill will cut at least $715 billion and result in at least 8.6 million more Americans going uninsured as a result of cuts to Medicaid and the Affordable Care Act.
    In an additional analysis, CBO determined 5.1 million more Americans will go uninsured as a result of Republicans refusing to extend the Affordable Care Act tax credits, as well as full implementation of the Marketplace Integrity Rule.
    Reed notes that the Republican cuts to Medicaid would also hit doctors, hospitals, and the economy hard, and could cause hospital closures in many communities or exacerbate a shortage of health care providers.
    Reed also called out Republicans over phony assertions that eliminating waste, fraud, and abuse and adding a work requirement for Medicaid recipients would achieve the reductions in spending they seek.  Adding a work requirement’s administrative oversight adds to the very spending that cost-cutters pledged to eliminate, according to the health research non-profit KFF.
    “This all comes down to numbers and priorities: Republicans’ number one priority is a bigger tax cut for the wealthy at the expense of vulnerable people.  Under the Trump plan, if you look at the numbers, the bottom 20 percent of households by income lose their health care in exchange for around $130 a year.  Meanwhile, the transfer in wealth goes to those in the top tax brackets, with the super-rich netting an extra $275,000 annually.  The vast majority of Americans want to ensure a sound health care system for all, but the Trump priority is to jam through a bigger tax cut for billionaires, even if it breaks the health care system and denies coverage to millions of Americans.”

    MIL OSI USA News –

  • MIL-OSI USA: Rep. Dan Goldman Joins Councilmembers Erik Bottcher, Lynn Schulman, and Community Advocates to Introduce Legislation Strengthening Medicaid for People Living With Serious Mental Illness

    Source: US Congressman Dan Goldman (NY-10)

     

     ‘Strengthening Medicaid for Serious Mental Illness Act’ Incentivizes State Support for Those with Serious Mental Illness 

     

    Over One-Third of Individuals with Serious Mental Illness Do Not Receive Any Form of Mental Health Treatment 

     

    Read Bill Text Here 

     

    See Pictures and Video from Press Conference Here 

    New York, NY – Congressman Dan Goldman (NY-10) was joined by Council Members Erik Bottcher,  Health Committee Chair Lynn Schulman, and mental health advocates in reintroducing the ‘Strengthening Medicaid for Serious Mental Illness Act’ today, which would support individuals living with serious mental illnesses (SMI) such as schizophrenia, bipolar illness, and major depressive disorder. Council Member Erik Bottcher will introduce a Council Resolution in support of the federal bill putting on record the New York City Council’s support for its passage.  

    “The mental health crisis in America demands urgent action, resources, and federal support to ensure every American can access the care they need,” Congressman Dan Goldman said. “Mental health care has been overlooked and underfunded for decades, and this legislation takes a critical step forward by providing millions of Americans living with severe mental illness access to lifesaving treatment and support by expanding Medicaid services for our most vulnerable. We have an obligation to guarantee adequate care for every one of our neighbors.’ 

    Council Member Erik Bottcher said, “The Strengthening Medicaid for Serious Mental Illness Act is a critical step in tackling the nationwide mental health crisis. This legislation expands Medicaid to cover much-needed community-based mental health services and incentivizes states to meet higher standards of care. As we mark Mental Health Awareness Month, there is no better time to ensure these life-saving services are affordable and accessible to everyone who needs them. I’m proud to sponsor a City Council resolution supporting this bill, and I thank Congressman Dan Goldman for his leadership on this critical issue.” 

    Council Member Lynn Schulman, Chair of the Committee on Health, said, “Access to quality mental health care is a fundamental right, and we must do everything we can to support those living with serious mental illness. Strengthening Medicaid to ensure comprehensive care is essential for our communities, especially for the most vulnerable among us. I am proud to support Congressman Dan Goldman and Senator Gillibrand’s legislation, as well as Council Member Bottcher’s efforts to advance this critical initiative at the city level. I am committed to working alongside my colleagues to ensure that all New Yorkers have access to the mental health services they need and deserve.” 

    Council Member Linda Lee, Chair of the Committee on Mental Health, Disabilities, and Addiction, said, “The mental health crisis continues to impact families throughout our city, state, and nation, with an estimated 15.4 million Americans living with serious mental illness. Now more than ever – especially amid ongoing uncertainty at the federal level – it is critical that individuals in need have access to life-saving resources and a full continuum of care. I’m proud to co-prime this resolution with Council Member Bottcher in support of federal legislation introduced by Representative Goldman and Senator Gillibrand to expand Medicaid coverage for those with severe mental illness. Medicaid is a vital healthcare lifeline for low-income individuals, and strengthening it to address the mental health needs of our most vulnerable will help us build healthier, more resilient communities.” 

    Douglas C. Brooks, LCSW-R, the President and CEO of Community Counseling & Meditation (CCM) said, “With our 40 years of experience in providing mental health services to New York City’s most vulnerable and marginalized communities, Community Counseling & Meditation proudly stands in support of The Strengthening Medicaid for Serious Mental Illness Act.”  

    Amy Harclerode, Executive Director of the Hetrick-Martin Institute for LGBTQIA+ Youth (HMI), said, “Our community faces a mental health crisis. Since 1979, HMI has delivered intensive, life-saving care to some of our community’s most vulnerable youth. But we do this fully at the generosity of grants and contributions —because Medicaid, as it stands, does not recognize or reimburse the kinds of community-centered, integrated services that actually work. I rise in strong support of the reintroduction of the Strengthening Medicaid for Serious Mental Illness Act, which affirms what we at HMI have always known – that recovery should be possible outside hospital walls, and that Medicaid should support care that reflects the lives, identities, and realities of the people it serves.” 

    Eric Rosenbaum, CEO of Project Renewal, said, “Project Renewal is proud to support Congressman Goldman and Council Member Bottcher’s efforts through the Strengthening Medicaid for Serious Mental Illness Act to provide a new level of care aimed specifically for individuals with serious mental illness. At Project Renewal, where our multi-disciplinary team of clinicians provide medical care and psychiatric treatment to over 6,000 individuals, we know that proper diagnosis and treatment of serious mental illness is critical to helping individuals break the cycle of homelessness. Yet, our current systems are fragmented and under-resourced—leaving people to cycle between shelters, emergency rooms, jails, and the streets. This legislation will make it possible to offer a package of comprehensive and flexible services that integrate mental health treatment, housing assistance, substance use services, peer support, and supported employment.”  

    Jody Rudin, president and CEO, Institute for Community Living (ICL), said, “We know that the proper support can help people with the most serious mental health challenges build stability and stop the expensive and inhumane cycle of institutionalization, incarceration, and street homelessness. We have – and are building out – a continuum to provide mobile support and wrap around whole health services, but we need the funding to reach all those who need it. The Strengthening Medicaid for Serious Mental Illness Act would provide the support community based organizations like ICL need to help more people get better. We are grateful to Congressman Goldman for introducing this bill and Council Member Bottcher for supporting it though a resolution.”  

    Evette Maduro CEO, Betances Health Center, said, “At Betances Health Center, we witness daily the urgent need for comprehensive mental health services—especially for those living with serious mental illness. The Strengthening Medicaid for Serious Mental Illness Act is a pivotal step toward ensuring no individual is left behind due to gaps in care. We are proud to stand with Congressman Goldman and Council Member Bottcher in supporting legislation that prioritizes equity, dignity, and access for our most vulnerable community members.” 

    Brooke Montes, Alliance’s Senior Vice President of Communications, said “As a NYC-based multiservice organization with 34 years of experience delivering community-based health services, Alliance for Positive Change applauds Congressman Goldman and NYC Council Member Bottcher for calling on the US Congress to pass the Strengthening Medicaid for Serious Mental Illness Act. Investing in meaningful community-based services for people with serious mental health challenges is a common-sense, cost-effective way to reduce emergency hospitalizations, mental health crises, fatal overdoses, chronic homelessness, and justice system involvement. Alliance’s three decades of work has shown that combining multidisciplinary care teams, peer-based support, and interagency partnerships yields benefits far greater than the sum of the parts—for individuals, families, and communities. This legislation is an urgently needed investment.” 

    Daniel Pichinson, President & CEO of Ryan Health, said “Access to mental health services where people live and work is key to getting them the care that they deserve and need. Ryan Health has a long history of providing impactful mental health services in our Emotional Wellness Centers and primary care locations. We support the Strengthening Medicaid for Serious Mental Illness Act to increase availability of treatment to improve the lives of New Yorkers living with mental illness.” 

    Noeline Maldonado, Executive Director of The Healing Center, said, “Restricting equitable access to Medicaid removes a key pathway to comprehensive care for individuals with mental illness and is antithetical to the proposed goals of any credible mental health policy.”  

     

    Ken Zimmerman, CEO of Fountain House, said, “We applaud Representative Goldman for his leadership on the introduction of the ‘Strengthening Medicaid for Serious Mental Illness Act’ and thank both him and Councilmember Erik Bottcher for recognizing community-based programs like Fountain House and the clubhouse model as integral in the continuum of mental health care. The clubhouse model is not only highly effective, but also a responsible way to ensure a return on investment while promoting recovery and thriving — Medicaid costs for Fountain House members were 21% lower compared to the highest risk population, research shows. Our nation must support and recognize the more than 14 million people living with serious mental illness, especially at this critical time, by prioritizing dignity, agency, and community as fundamental building blocks. This bill is a significant step toward a more person-centered, holistic, and proven approach to mental healthcare in the U.S. by focusing on and investing in targeted supports that help people with serious mental illness thrive.” 

    Over 15 million adults in the United States are currently living with a serious mental illness, while over one-third of these individuals receive zero mental health treatment. This legislation creates a new package of services under Medicaid that specifically aims to provide care to individuals living with SMI, sets a national standard for SMI care, and incentivizes states to provide intensive community-based services to treat SMI. 

    The bill is endorsed by the Bazelon Center for Mental Health Law and the National Health Law Program.

    To better support those living with SMI, the Strengthening Medicaid for Serious Mental Illness Act would:  

    Create a new waiver program granting Medicaid authority to provide states with an option to offer a package of services targeted specifically to individuals with SMI. The package would include: 

    1. Assertive community treatment, an evidence-based, highly individualized team-based service designed to support adults with the most intensive mental health needs; 

    2. Supported employment to help individuals get and keep a job; 

    3. Peer support services from individuals who have lived or living experiences with mental health conditions; 

    4. Mobile crisis intervention teams that can help de-escalate situations and link individuals to other community-based services; 

    5. Intensive case management; and 

    6. Housing-related activities and services to support individuals with transitioning to and maintaining housing. 

    Require states to adhere to certain standards, like tracking disparities in treatment, to ensure services are delivered with care to all in need. 

    Create a tiered Federal Medical Assistance Percentage (FMAP) increase to incentivize states to provide intensive community-based services to individuals with SMI. This means that states could receive an increase up to 25 percent in funds allocated by the federal government for their Medicaid programs. 

    Congressman Dan Goldman has worked tirelessly to expand mental health care for people across the country. 

    Last year, Congressman Goldman introduced the ‘Michelle Alyssa Go Act’ to increase the number of federal Medicaid-eligible in-patient psychiatric beds for individuals who are seeking treatment for both mental health and substance use disorders. 
    Last Congress, Congressman Goldman joined colleagues in introducing the ‘Expanding Access to Mental Health Services in Schools Act’ to address the urgent need for mental health professionals in schools. The bill would increase the number of mental health service providers in schools, particularly in high-need areas, by providing competitive grants to local educational agencies for recruitment, hiring, retention, and diversification of mental health service providers. 
    In 2023, Congressman Goldman joined Congresswoman Grace Meng (NY-06) in introducing the ‘Mental Health Workforce and Language Access Act’ to establish a grant program administered by the Department of Health and Human Services to provide federal funds to community health centers to help them hire qualified mental health professionals who are fluent in a language other than English.   

    Congressman Goldman is a member of the Congressional Mental Health Caucus 

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    MIL OSI USA News –