housing – Page 78 – NewzIntel.com

MIL-OSI USA News: Fact Sheet: President Donald J. Trump Grants Regulatory Relief from Burdensome EPA Restrictions to Promote American Security

Source: US Whitehouse

PROVIDING REGULATORY RELIEF: Today, President Donald J. Trump signed four proclamations, each granting two years of regulatory relief from stringent Biden-era regulations that impacted various sectors vital to national security.

The proclamations cover coal plants, taconite iron ore processing facilities, and certain chemical manufacturers that produce chemicals related to semiconductors, medical device sterilization, advanced manufacturing, and national defense systems.
These proclamations allow certain of these facilities to comply with the EPA standards that were in place before the Biden Administration rulemakings for two years.
The exemptions ensure that these facilities within these critical industries can continue to operate uninterrupted to support national security without incurring substantial costs to comply with, in some cases, unattainable compliance requirements.

REDUCING BURDENSOME RESTRICTIONS: President Trump recognizes that overly restrictive environmental regulations undermine America’s energy reliability, economic vitality, and national security.

Biden-era emissions standards impose costly and, in some cases, unattainable compliance requirements on these industries essential to national interests.
The technologies necessary to comply with these Biden-era standards are further not commercially viable in many instances.
These sectors are critical to maintaining national security and economic stability. Shutdowns could compromise our grid and lead to electricity shortages and reliance on foreign energy, increase our reliance on foreign supply chains for semiconductors, reduce our ability to provide sterile medical equipment for public health and military readiness, and reduce the supply on steel that we need to support critical infrastructure.

BALANCING ENVIRONMENTAL STANDARDS WITH AMERICAN PROSPERITY: President Trump has consistently prioritized a pragmatic approach, ensuring environmental policies support, rather than undermine, America’s economic strength and national security.

President Trump has sought to protect American industries while maintaining standards that allow Americans to have among the cleanest air and water in the world.
He directed the EPA to repeal the Obama-era Clean Power Plan during his first term, replacing it with the Affordable Clean Energy rule in 2019 that set achievable standards to preserve jobs while addressing emissions.
He paused the expansion of windmills, recognizing their detrimental environmental impact, particularly on wildlife, often outweighs their benefits.
He has championed an energy dominance strategy, boosting domestic oil and gas production to reduce reliance on foreign energy while maintaining practical environmental oversight.
His approach encourages industry to develop cost-effective solutions like improved emissions technologies rather than imposing unfeasible mandates that risk economic disruption.

MIL OSI USA News –

July 18, 2025

MIL-OSI Canada: Prime Minister Carney engages First Nations Rights Holders on the Building Canada Act

Source: Government of Canada – Prime Minister

Canada’s new government is ready to get our country building major projects again – and projects built in collaboration with Indigenous Peoples will be at the forefront of this work.

To that end, the Prime Minister, Mark Carney, convened the First Nations Major Projects Summit in Gatineau, Québec, to engage First Nations groups on the Building Canada Act and how to most effectively build major projects in partnership with Indigenous Peoples. Over 250 First Nations leaders, regional organizations, and other Rights Holders’ representatives attended the meeting in person and virtually to share their insights, ideas, and priorities.

The Prime Minister heard from First Nations and discussed how the Building Canada Act was designed to transform the Canadian economy and contribute to greater prosperity for Indigenous communities, through equity and resource management projects. To ensure that these major projects are built in partnership with Indigenous Peoples, the federal government is moving forward with several new measures, including:

Standing up an Indigenous Advisory Council that will closely work with the new Major Federal Projects Office. Comprised of First Nations, Inuit, Métis, as well as Modern Treaty and Self-Government representatives, the Advisory Council will help ensure Indigenous perspectives and priorities are integrated at each stage.
Dedicating $40 million in funding for Indigenous participation. From early discussions on which projects to include to ongoing governance and capacity-building, new funding streams will support meaningful participation of Indigenous leadership in nation-building projects.
Expanding the Indigenous Loan Guarantee Program. The government has doubled the program to $10 billion to help unlock capital for Indigenous communities to gain full equity ownership in major nation-building projects.

Collaboration will continue with First Nations leadership at all levels through regional dialogue tables. The Prime Minister will soon meet separately with the Inuit-Crown Partnership Committee and Métis leadership to further advance these conversations on a distinctions basis.

Quotes

“It’s time to build big projects that will transform and connect our economy. Central to this mission is shared leadership with Indigenous Peoples. Working in partnership, we can seize this opportunity and build lasting prosperity for generations.”

“This Summit marks a turning point. The One Canadian Economy Act is not just about inclusion – it’s about recognizing that prosperity comes when First Nations are full partners in shaping the future. Together, we are building an economy that reflects our shared values, our shared responsibilities, and our shared potential.”

“Today represents a historic opportunity. Together, we’re beginning the work of building a better future, one in which Indigenous economies and priorities are truly integrated into the national economy. By listening, engaging, and learning in the spirit of true partnership, we are taking the first steps toward that brighter, more equitable future.”

“The One Canadian Economy Act is designed to build Canada strong – building economic resilience here at home while ensuring that First Nations, and all Canadians, benefit. To achieve our objectives, we will – and must – look to advance the interests of Indigenous communities. That is the only path to shared success. The First Nations Major Projects Summit marks the first step in that process – setting the stage to create lasting economic opportunities for First Nations across Canada.”

“It’s time to build major energy and resource projects again in Canada to strengthen our economy and secure our sovereignty in the face of threats. A key part of how we will do this successfully is transforming how we think about First Nations partnership. First Nations are not just participants in our economy – they are the original stewards of this land, Rights Holders, governments, and builders. With meaningful collaboration as partners, they enable us to build better. It’s clear: if we are serious about retooling our economy, then reconciliation must be front and centre, not just at today’s Summit, but in perpetuity.”

Quick facts

Central to the Building Canada Act is Indigenous consultation, participation, equity, and partnership. The Act requires meaningful consultation on which projects are deemed in the national interest and on the conditions that projects will have to meet.
The Government of Canada will advance nation-building projects while respecting the rights of Indigenous Peoples recognized and affirmed by Section 35 of the Constitution Act, 1982, and the rights set out in the United Nations Declaration on the Rights of Indigenous Peoples, including the principle of free, prior, and informed consent.
The Canada Indigenous Loan Guarantee Corporation is responsible for managing the Indigenous Loan Guarantee Program. Loan guarantees are available to support Indigenous equity participation in projects of various sizes, reflecting the diversity of opportunities and economic development priorities in Indigenous communities across Canada.
By advancing national interest projects, the Government of Canada is committed to working in partnership with Indigenous Peoples to support economic prosperity, grounded in respect for constitutionally protected rights and modern treaty obligations.

MIL OSI Canada News –

July 18, 2025

MIL-OSI USA: Rep. Cline Introduces Bipartisan Don’t Sell My DNA Act

Source: United States House of Representatives – Congressman Ben Cline (VA-06)

Washington, D.C. – Today, Representative Ben Cline (R-VA) and Zoe Lofgren (D-CA) introduced the bipartisan Don’t Sell My DNA Act, a bill aimed at strengthening consumer privacy by safeguarding genetic data obtained from individuals through relationships with biotech companies.

In recent years, more Americans have begun to utilize at-home DNA testing services for additional insight into their personal health and ancestry lineage, the need to safeguard this sensitive information has never been more vital. The Don’t Sell My DNA Act ensures that genetic data cannot be treated as just another corporate asset to be sold off when biotech or genetic testing companies undergo bankruptcy.

This bipartisan legislation serves as the House companion to S.1916, introduced in the Senate by Sens. John Cornyn (R-TX) and Amy Klobuchar (D-MN), along with Judiciary Committee Chairman Chuck Grassley (R-IA).

This legislation updates the current Bankruptcy Code to explicitly list genetic information in the definition of “personally identifiable information” and requires companies to provide written notice and obtain consumer consent before selling, leasing, or using their genetic data during bankruptcy proceedings. Additionally, it mandates that any genetic data not part of an approved transaction between entities is to be permanently deleted by the trustee or debtor in possession of this critical data.

“Bankruptcy should not lead to a fire sale of Americans’ most personal information,” Rep. Ben Cline said. “Your DNA is not just another line item that can just be sold without the knowledge of the consumer. It is private, sensitive data that belongs to you. This bill helps ensure that genetic information is not sold off to the highest bidder when a company files for bankruptcy.”

“People looking for long-lost relatives likely didn’t expect that their genetic data could be sold to the highest bidder. There is rightful outrage about the 23andMe plans, and Congress must step in to safeguard Americans’ privacy,” said Rep. Zoe Lofgren. “Our bipartisan Don’t Sell My DNA Act should race through both chambers and become law because it’s a straightforward way to protect our most sensitive data.”

The Don’t Sell My DNA Act is in response to the recent bankruptcy filing of 23andMe. Under current law, the Bankruptcy Code protects certain forms of personal information from being sold, such as one’s Social Security number, but fails to include personal genetic information. This bill closes this glaring loophole and brings the bankruptcy code to the 21st century to protect this personal and vital information.

Congressman Ben Cline represents the Sixth Congressional District of Virginia. He previously was an attorney in private practice and served both as an assistant prosecutor and a Member of the Virginia House of Delegates. Cline and his wife, Elizabeth, live in Botetourt County with their two children.

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MIL OSI USA News –

July 18, 2025

MIL-OSI New Zealand: Slaty hut gets an old school makeover

Source: NZ Department of Conservation

By Jose Watson

The refurbishment of Slaty Creek Hut in the Grey Valley has been a labour of love for rangers, and a great way to pass on age old woodworking skills.

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” data-medium-file=”https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?fit=300%2C225&ssl=1″ data-large-file=”https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?fit=580%2C435&ssl=1″ src=”https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=580%2C435&ssl=1″ alt=”Photograph of Slaty Creek Hut before its renovation. Two people are next to the hut, one person standing and one sitting with large tramping bags next to them.” class=”wp-image-56972″ srcset=”https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=1024%2C768&ssl=1 1024w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=300%2C225&ssl=1 300w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=768%2C576&ssl=1 768w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=1536%2C1152&ssl=1 1536w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=2048%2C1536&ssl=1 2048w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=1200%2C900&ssl=1 1200w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=800%2C600&ssl=1 800w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=600%2C450&ssl=1 600w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=400%2C300&ssl=1 400w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?resize=200%2C150&ssl=1 200w, https://i0.wp.com/blog.doc.govt.nz/wp-content/uploads/2025/07/475-073.jpg?w=1740&ssl=1 1740w” sizes=”(max-width: 580px) 100vw, 580px”/>

Photo: Brian Dobbie

The hut was built in the 1950’s by deer cullers, as a winter project. The timber used in the build was all hewn by hand from beech trees from the surrounding forest, giving the hut a charming look and a very distinctive character.

Slab huts are a surviving form of the slab houses which European settlers built in 19^th century New Zealand to accommodate themselves in a practical and cost-effective way, using a material found readily in many areas – trees.

Before the introduction of water and steam powered sawmills, trees were dissembled by splitting, sawing or hewing, and it is these techniques that were carried on into the 20^th century in building slab huts for deer cullers, musterers and gold fossickers in rural areas of New Zealand.

Because of the impermanence of wood due to rot, and that slab houses were only seen by settlers as temporary housing until something more permanent could be built when resources allowed, very few slab houses or buildings remain, making slab huts like Slaty Creek Hut a real link to the past. There are 12 slab huts on public conservation land in the South Island.

Because of its historic nature, and the difficulty of maintaining the hut when standard boards fundamentally change the look of the hut, it was decided that some training of rangers, to upskill people in the woodworking techniques used to make the boards, was needed.

Senior Heritage Advisor Mike Gillies, spent a couple of days with rangers going through the process of breaking down beech logs and creating boards and timbers that would be used in fixing up the hut. Here, Mike is explaining some hints and tricks to fashion the timbers to Rangers Casey Rhodes (holding a timber to repair a bunk bed), Miguel Dijkstra and Callum Nolan-Smith.

Photo: DOC

First, metal wedges are driven into a log to drive a split into it.

Photo: DOC

A crowbar is then used to break the log in two, then the process is repeated until suitable sized wedges are formed. These are then hewn with an adze into “slabs”, essentially weatherboards.

Photo: DOC

Mike Gillies says working in this way “is the best feeling in the world, compared to a modern building site where there are lots of power tools and you are working with treated timber. It’s very quiet, all you can hear are the axes and adzes hewing. It’s a real privilege to be able to continue this tradition and this craft that’s been passed down for a really long time.”

Photo: DOC

Once the boards were repaired, it was time to head to Slaty Creek Hut and start the refurbishment. You can see new boards here where replacements were required because of rot. Where possible, boards which were replaced were reused to repair smaller areas, thus keeping as many historic materials as possible.

Photo: Matt Ainge | DOC

Inside the hut, repairs were also required. The rangers carefully removed the floorboards which were sagging in places, laid new subfloor timbers, and re-laid the historic boards. The fire hearth was replaced and chimney repaired to ensure the fire can be used safely. Casey says that as they are working, they are making decisions all the time about what can be saved and reused in order to keep true to the character of the hut. The rangers report the fire heats the hut really well, which was essential for the wet couple of weeks they spent working there.

Photo: Matt Ainge | DOC

The area around the hut was prone to flooding, so the Rangers installed a drainage channel, which will ensure the foundations of the hut stay dry and protected from rot. It was muddy work. Here is Ranger Casey Rhodes partway through the job.

Photo: Matt Ainge | DOC

The refurbishment was finished and it was time to head out of the bush back to town. Rangers Casey Rhodes and Matt Ainge are pleased to see this work done for future adventurers, who will appreciate the charm and history of this rustic little slab hut.

Slaty Creek Hut is a four bunk backcountry hut and there is no formed track leading to it. Anyone wanting to visit should be experienced and well equipped, with suitable route finding and navigational skills.

The hut is on the Amuri Pass tramping route, an advanced multi-day trip which follows a historic route between the West Coast and Canterbury which was once used to move stock.

Photo: DOC

For more info: Slaty Creek Hut: Ahaura River & Lake Brunner catchments area, West Coast region

MIL OSI New Zealand News –

July 18, 2025

MIL-OSI USA: SBA Opens Business Recovery Center in San Angelo to Help Businesses Impacted by July Storms and Flooding

Source: United States Small Business Administration

SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) announced today the opening of an SBA Business Recovery Center (BRC) in Tom Green Countyto assist small businesses, private nonprofit (PNP) organizations and residents affected by severe storms, straight-line winds and flooding beginning July 2.

Beginning Friday, July 18, SBA customer service representatives will be on hand at the Business Recovery Center in San Angelo to answer questions and assist with the disaster loan application process. No appointment is necessary, walk-ins are welcome. Those who prefer to schedule an in-person appointment in advance can do so at appointment.sba.gov.

The center’s hours of operation are as follows:

TOM GREEN COUNTY
Business Recovery Center
Angelo State University
69 N. Chadbourne St.
San Angelo, TX 76903

Opens at 10 a.m., Friday, July 18
Mondays – Fridays, 8 a.m. – 5 p.m.

The following location is also open and continues to serve survivors:

KERR COUNTY
Business Recovery Center
The YES Center at First Presbyterian Church
823 North St.
Kerrville, TX 78028

Mondays – Fridays, 9 a.m. – 6 p.m.
Saturdays, 9 a.m. – 1 p.m.

“SBA’s Business Recovery Centers have consistently proven their value to business owners following a disaster,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “Business owners can visit these centers to meet face‑to‑face with specialists who will guide them through the disaster loan application process and connect them with resources to support their recovery.”

Businesses and nonprofits are eligible to apply for business physical disaster loans and may borrow up to $2 million to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets.

The SBA’s Economic Injury Disaster Loan (EIDL) program is available to small businesses, small agricultural cooperatives, nurseries, and private nonprofit organizations impacted by financial losses directly related to these disasters. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.

EIDLs are available for working capital needs caused by the disaster and are available even if the business or PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable, and other bills not paid due to the disaster.

Homeowners and renters are eligible to apply for home and personal property loans and may borrow up to $100,000 to replace or repair personal property, such as clothing, furniture, cars, and appliances. Homeowners may apply for up to $500,000 to replace or repair their primary residence.

SBA representatives will also provide help to business owners and residents at disaster recovery centers when they are opened in the impacted area.

Interest rates are as low as 4% for small businesses, 3.625% for nonprofits, and 2.813% for homeowners and renters with terms up to 30 years. Interest does not begin to accrue, and payments are not due until 12 months from the date of the first loan disbursement. The SBA determines eligibility and sets loan amounts and terms based on each applicant’s financial condition.

To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

The filing deadline to return applications for physical property damage is Sept. 4, 2025. The deadline to return economic injury applications is April 6, 2026.

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About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

MIL OSI USA News –

July 18, 2025

MIL-OSI Canada: Update 14: Alberta wildfire update (July 17, 3:30 p.m.)

Source: Government of Canada regional news (2)

Current situation (as of 3:30 p.m., July 17)

There are 58 wildfires currently burning across Alberta in the Forest Protection Area, and four mutual aid fires.
- 14 are classified as out of control, 12 are being held and 32 are under control.
- There have been four new wildfires since yesterday.
Since Jan. 1, there have been 780 wildfires in the Forest Protection Area, burning more than 663,000 hectares.
More than 1,500 Alberta firefighters, contract firefighters and imported firefighters are currently battling wildfires across the province.
Resources currently being used include heavy equipment, air tankers, helicopters and night vision helicopters.
Alberta has imported firefighters and support staff from Newfoundland and Labrador, New Brunswick, Australia, Costa Rica, Chile and the United States Forest Service.
Information about wildfires can be found by visiting the Alberta Wildfire Status Dashboard.

Orders and alerts

Updates on evacuation orders are available on www.alberta.ca/emergency.
On July 17, the Kee Tas Kee Now Tribal Council rescinded its evacuation orders for Peerless Lake and Trout Lake, allowing all residents to return home. Residents must remain prepared to evacuate again if conditions change.
The Municipal District of Opportunity No. 17’s evacuation order for Chipewyan Lake remains in effect.
- Reception centre at Lakeview Sports Centre, 102 Opportunity Drive, Wabasca-Desmarais.
The Kee Tas Kee Now Tribal Council’s evacuation alert for the Loon River First Nation (Loon Lake) remains in effect.
The Municipal District of Opportunity No. 17’s evacuation alert for Red Earth Creek remains in effect.
Alberta Emergency Alerts are issued by local authorities and are updated at their discretion. For the best source of information on the status of evacuation orders and alerts, residents are encouraged to follow their local authorities’ preferred communication channels for updates.
People living in Alberta are encouraged to download the Alberta Emergency Alert mobile app, which immediately pushes all alerts out to subscribers.

Fire bans

Fire advisories are in place for the Grande Prairie, Lac La Biche, High Level, Slave Lake and Peace River Forest Areas.
- Under the advisory, fire permits will only be considered on a case-by-case basis.
- Safe campfires are still permitted.
Please confirm advisories, restrictions or bans for your area at alberta.ca/fire-bans.
Fire bans outside the Forest Protection Area are the responsibility of municipalities and counties.
Everyone has a role to play in wildfire prevention. Follow all fire bans and restrictions to avoid new fire starts. If you see smoke or flames in the forest, call 310-FIRE to report it.
Applying FireSmart principles to homes and property can mitigate the risk of wildfire damage. Removing flammable materials and vegetation around the property and preventing embers from accumulating can help protect your home from wildfires. To learn more, visit FireSmart Alberta.

Air quality

Visit Wildfire Smoke Information for air quality monitoring information to make informed decisions about outdoor activities to protect your health. While wildfire smoke is affecting air quality in parts of Alberta, the presence of smoke does not necessarily mean there is fire near your community. Find information about the status of active wildfires and wildfire updates at Alberta Wildfire.

Roads and highways

Highway 686 between Red Earth Creek and Trout Lake is closed due to a wildfire.
Highway 686 near Red Earth Creek from Highway 88 to Trout Lake fully reopened as of 11 a.m. on July 17.
511 Alberta is the best source of real time information as conditions change on our highways. Follow on X (formerly known as Twitter) @511alberta.
Alberta highways that are affected by the wildfires will open and close frequently depending on safety and weather conditions. Be patient and respect the staff at the closure/detour sites – they are there with your safety in mind.

Health

For information about wildfire resources, including mental health, visit Wildfire Resources | Alberta Health Services.

Child care

Opportunity Childcare in Red Earth Creek has reopened.
Licensed child-care programs are required to notify Child Care Connect if they close unexpectedly.
Parents and guardians should reach out to their child-care provider for information on closures.

Justice and court services

The Red Earth Creek courthouse is closed until further notice.
Visit the Alberta Courts website for the most current information regarding court scheduling.

Related information

Active emergency updates
Alberta Emergency Alerts
Download the Alberta Emergency Alerts app
Download the Alberta Wildfire app
How to prepare for an emergency
Wildfire smoke information
Emergency evacuation payments
Free admission to provincial museums and historic sites

MIL OSI Canada News –

July 18, 2025

MIL-OSI United Nations: World News in Brief: violence spurs displacement in Syria, Israeli forces cross the Blue Line in Lebanon, mall fire kills dozens in Iraq

Source: United Nations 4

As of Thursday, nearly 2,000 families have been displaced from violence-affected areas in Sweida governate and are currently sheltering in a dozen collective sites. Many are unable to return home due to damage, looting or destruction of their homes.

The health systems in Sweida and neighbouring Dar’a governorate remain under critical strain, operating without power and facing severe supply shortages. Reports also suggest that at least two doctors were killed in the recent clashes, and some armed groups have occupied health facilities, putting patients and staff at risk.

Mobilisation amid constrained access

The UN and its partners are mobilising humanitarian assistance as security allows and working with authorities to facilitate access.

The World Health Organization (WHO) has dispatched 35 trauma and emergency surgery kits for 1,750 interventions, but many remain undelivered because of constrained access.

“We urge all parties to protect people caught up in the violence, including by allowing them to move freely to seek safety and medical assistance,” said Associate Spokesperson for the Secretary-General Stephanie Tremblay at Thursday’s daily press briefing in New York.

She also stressed that security forces must respect applicable international law, norms and standards throughout their operations.

Lebanon: UN peacekeepers observe unauthorised Israeli activities

Ms. Tremblay also reported that peacekeepers at the UN Interim Force in Lebanon (UNIFIL) continue to observe Israeli military activities in its area of operations.

On 16 July, Israeli soldiers crossed north of the Blue Line to conduct military exercises.

UNIFIL peacekeepers have also heard several explosions, including one on 17 July near the Mission Headquarters in Naqoura.

The “blue helmets” have additionally discovered unauthorized weapons and ammunition caches at one site, rocket launchers, rocket-propelled grenades, mortar rounds and ammunition boxes.

Commitment to Lebanon

In response to recent observations the UN Special Coordinator for Lebanon, Jeanine Hennis-Plasschaert, and UNIFIL Head of Mission and Force Commander, Major General Diodato Abagnara, met with the Lebanese Army’s South Litani Sector Commander Brigadier General Nicolas Tabet in Tyre on 17 July.

“Ms. Hennis-Plasschaert and General Abagnara underlined our commitment to supporting the implementation of Security Council resolution 1701, including strengthening State authority and helping restore stability in southern Lebanon,” Ms. Tremblay said.

As part of UNIFIL’s support, peacekeepers trained with Lebanese Armed Forces personnel in Tyre on 16 July, enhancing the operational competency of the Lebanese Army personnel.

Fire in Iraqi shopping mall

The United Nations has expressed condolences to the families of the victims of a tragic fire in the eastern Iraqi city of Kut on Wednesday.

According to news reports, the fire tore through the shopping centre – which opened only a week ago – leaving at least 61 people dead.

“We express our strong solidarity with the people of Wasit Governorate in this profound loss,” Ms. Tremblay said.

She also emphasised that the UN and its partners are ready to provide humanitarian assistance to help mitigate the tragedy’s impact.

MIL OSI United Nations News –

July 18, 2025

MIL-OSI United Nations: UN sounds alarm over Syria as sectarian clashes, Israeli strikes flare

Source: United Nations 4

The Druze-majority Sweida governorate, long relatively insulated from earlier phases of Syria’s 14‑year conflict, has now become a flashpoint.

Briefing an emergency meeting of the Security Council, UN Assistant Secretary‑General Khaled Khiari painted a grim picture: hundreds of casualties among soldiers and civilians –including women, children and the elderly – alongside reports of mass displacement, attacks on infrastructure, and hospitals “at or near capacity” amid power and water cuts.

“There were further alarming reports of civilians, religious figures and detainees being subjected to extrajudicial executions and humiliating and degrading treatment,” he said.

Violent reprisals and looting have devastated communities, with graphic footage circulating widely on social media amplifying fear and anger.

He urged all parties to protect civilians and civilian infrastructure.

Timeline of escalation

12 July: Series of mutual kidnappings in Sweida escalate into armed clashes between Bedouin tribes and Druze armed groups.

14 July: Syrian security forces deploy to “halt clashes” and “restore order”. At least 10 personnel reportedly killed by Druze armed groups, others abducted. Reports surface of the abuses against civilians as forces enter Sweida.

Clashes intensify, leaving hundreds dead or wounded among security forces and Druze fighters, casualties also reported among Druze and Bedouin civilians, including women, children and the elderly. Sectarian rhetoric surges on social media.

15-16 July: Hundreds of Druze from the occupied Syrian Golan and Syria gather on both sides of the ceasefire line, in the presence of the Israel Defense Forces (IDF), expressing solidarity with the Druze community in Sweida.

Israeli airstrikes compound crisis

Against this backdrop, Israel, “pledging to protect” the Druze community launched “escalatory” strikes on Syrian territory, Mr. Khiari said.

Between 12 and 16 July, air raids targeted Damascus authorities’ forces and official buildings, military installations and the vicinity of the Presidential Palace.

“In addition to violating Syria’s sovereignty and territorial integrity, Israel’s actions undermine efforts to build a new Syria at peace with itself and the region, and further destabilise Syria at a sensitive time,” Mr. Khiari said.

He urged both Israel and Syria to uphold the 1974 Disengagement of Forces Agreement and “refrain from any action that would further undermine it and the stability on the Golan.”

UN Photo/Eskinder Debebe

A wide view of the UN Security Council meeting on the situation in Syria.

Humanitarian fallout

According to the UN Office for the Coordination of Humanitarian Affairs (OCHA) there are severe disruption to supply routes, with insecurity and road closures blocking aid deliveries. The UN World Health Organization (WHO) dispatched trauma care supplies to Daraa, but Sweida remains inaccessible.

Mr. Khiari stressed the need for humanitarian access and called on Damascus to ensure any investigations into alleged abuses are “transparent and in line with international standards.”

Call for genuine reconciliation

Reaffirming the Security Council’s March call for an inclusive, Syrian-owned political process under resolution 2254, Mr. Khiari warned: “Security and stability in Sweida, and indeed in post-Assad Syria can only be achieved through genuine reconciliation and with the participation of all components of Syria’s diverse society.”

He urged all Syrian stakeholders to commit to dialogue and emphasised the UN’s support for an inclusive and credible political transition that ensures accountability, fosters national healing and lays the foundation for Syria’s long-term recovery and prosperity.

“Only then, can Syria truly emerge from the legacy of conflict and embrace a peaceful future,” he concluded.

ASG Khiari briefs the Security Council.

MIL OSI United Nations News –

July 18, 2025

MIL-OSI Canada: Saskatchewan Wildfire Update July 17

Source: Government of Canada regional news

Released on July 17, 2025

As of 11:00 a.m. on Thursday, July 17, there are 48 active wildfires in Saskatchewan. Of those active fires, six are categorized as contained, 10 are not contained, 17 are ongoing assessment and 15 are listed as protecting values.

Eight communities are currently under an evacuation order: Resort Subdivision of Lac La Plonge, La Plonge Reserve, Northern Village of Beauval, Jans Bay, Patuanak/English River First Nation as well as priority individuals from Montreal Lake Cree Nation, Northern Village of Pinehouse and Canoe Lake Cree First Nation/Cole Bay/Canoe Narrows.

Any evacuees should register through the Sask Evac Web Application and then call 1-855-559-5502 between 8 a.m. and 5 p.m. to have their needs assessed and for additional assistance. Individuals who need help registering through the application can call the 855 Line for assistance.

Evacuees supported by the Canadian Red Cross should call 1-800-863-6582.

A full list of evacuated communities can be found on the Active Evacuations webpage.

As a reminder, there is a fire ban in place in the area north of the provincial forest boundary, up to the Churchill River. The fire ban prohibits any open fires, controlled burns and fireworks in the designated boundary. This includes provincial parks, provincial recreation sites, and the Northern Saskatchewan Administration District within the boundary.

Earlier today, the Province of Saskatchewan and the community of Denare Beach announced the opening of a Community Resilience Centre to provide a safe and supportive space for residents and business owners to share their questions, describe their needs, provide information and updates, receive case management supports and receive services to help them through recovery and rebuilding efforts. Case management support and services will include financial support, navigation assistance, help with applications and individual counselling services.

The centre is located at the Denareplex, 1700 Wigwam Drive, and is running today, July 17, 2025, from noon to 9 p.m., and will open again on July 18, 2025, from 9 a.m. to noon. The centre is expected to be open two days per week for the following weeks.

The latest wildfire information, an interactive fire ban map, frequently asked questions, fire risk maps and fire prevention tips can be found at: saskpublicsafety.ca.

Review the current fire bans and restrictions in provincial parks and recreation sites.

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For more information, contact:

MIL OSI Canada News –

July 18, 2025

MIL-OSI USA: Cramer, Fetterman Introduce Bipartisan Bill to Preserve Payment Choice

US Senate News:

Source: United States Senator Kevin Cramer (R-ND)

WASHINGTON, D.C. – U.S. Senators Kevin Cramer (R-ND), member of the Senate Banking, Housing, and Urban Affairs Committee, and John Fetterman (D-PA) introduced the Payment Choice Act to preserve payment options for consumers. This legislation ensures customers can use cash as a form of payment and are able to do so without being charged higher prices.

“Cash is still legal tender in the United States, despite some businesses’ exclusive acceptance of electronic payments,” said Cramer. “Forcing the use of credit and debit cards or imposing premium prices on goods and services paid for with cash limits consumer choice. Americans should have the option of using cards or cash, but they should be the ones who make that choice.”

“It’s simple: if you’re open for business in America, you should take U.S. dollars,” said Fetterman. “I’m proud to introduce the bipartisan Payment Choice Act with Senator Cramer because every American should be able to use paper currency if they choose. We have millions of people in this country who don’t have access to bank accounts, and they must be able to go shopping with their hard-earned dollars.”

“Ensuring cash remains a viable payment option is vital for small businesses across the country, not to mention the millions of underbanked Americans who rely on consumer choice in payment for goods and services,” said Amusement & Music Operators Association President Brian Brotsch.

“The National ATM Council extends its sincerest thanks and appreciation to Senator Cramer and Senator Fetterman for their outstanding leadership and commitment to preserving the role of U.S. currency as legal tender and as a payment option for in-person purchases of basic goods and services,” said Bruce Renard, NAC’s Executive Director. “The continued vitality and universality of cash in America is essential to maintaining the US Dollar’s position abroad as the world’s premier fiat currency, while also preserving personal financial freedom of choice and purchasing privacy for us all here at home.”

While the majority of American households have access to financial services, 4.5% of U.S. households do not have a checking or savings account. Those without access to financial services are more likely to have lower incomes, less education, or be a member of a racial or ethnic minority group. Despite a decline in cash payments during the last few years, this demographic still represents nearly 20% of all payments in the U.S. economy.

Click here for bill text.

MIL OSI USA News –

July 18, 2025

MIL-OSI USA: Rep. Jim Costa Presses Trump Administration to Release Federal Funds for Valley School Districts

Source: United States House of Representatives – Congressman Jim Costa Representing 16th District of California

WASHINGTON – Congressman Jim Costa and the California Democratic Congressional Delegation are demanding that the Trump Administration immediately release nearly $7 billion in federal funding already appropriated by Congress for K-12 schools and adult education, including $928 million owed to California.California stands to lose more than $811 million, accounting for 16.5% of its total federal allocation. Local school districts like Fresno Unified School District will lose up to $7.1 million, while Visalia Unified faces potential losses of $2 million. “These programs support some of the most vulnerable and underserved students and communities in California and have been demonstrated to have lifelong benefits to students’ educational attainment, income, and other measures of well-being. Each passing day that these funds are unlawfully withheld hurts our schools and students and strains already limited budgets,” wrote the members. “In California alone, the Trump Administration’s funding freeze is affecting hundreds of thousands of students and educators. For many of California’s school districts, this funding had already been accounted for in school budgets for the upcoming school year. Now, our schools are being forced to delay hiring and reduce resources to help students.”BACKGROUNDAs the new school year approaches, the Trump Administration announced on June 30, 2025, just one day before the expected disbursement, that nearly $7 billion in federal funding for K–12 schools would be indefinitely frozen. These Congressionally appropriated funds are typically distributed to states on July 1.California is home to nearly 5.8 million K–12 students and is among the hardest hit. The sudden and illegal funding freeze is leaving school districts scrambling to fill massive budget shortfalls just weeks before students return to the classroom. Essential programs are now at risk, including after-school programs, school-based mental health services, accelerated learning and STEM courses, career and college counseling, adult education, and teacher training.The impact is especially severe for California’s more than one million multilingual learners, who make up nearly a quarter of the state’s public-school population. These funds also provide vital support for English learners and the children of migrant workers, as well as workforce training programs that help families build a better future. As part of a broader national effort, Congressman Costa joined over 149 Democratic colleagues in a separate letter demanding that the Trump Administration release the funds without further delay.
The letter is available HERE

MIL OSI USA News –

July 18, 2025

MIL-OSI: Dime Honored as Lending Partner of The Year by NHSNYC

Source: GlobeNewswire (MIL-OSI)

HAUPPAUGE, N.Y., July 17, 2025 (GLOBE NEWSWIRE) — Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), announced that Dime is being honored as the Lending Partner of the Year at Neighborhood Housing Services of New York City’s Bridging the Gap Gala being held on October 7th, 2025. NHSNYC is committed to increasing access to critical resources, strengthening their ability to meet the evolving needs of our shared community, and ensuring housing stability and financial security for more New Yorkers.

ABOUT DIME COMMUNITY BANCSHARES, INC.

Dime Community Bancshares, Inc. is the holding company for Dime Community Bank, a New York State-chartered trust company with over $14 billion in assets and the number one deposit market share among community banks on Greater Long Island ⁽¹⁾.

Dime Community Bancshares, Inc.
Investor Relations Contact:
Avinash Reddy
Senior Executive Vice President – Chief Financial Officer
Phone: 718-782-6200; Ext. 5909
Email: avinash.reddy@dime.com

¹ Aggregate deposit market share for Kings, Queens, Nassau & Suffolk counties for community banks with less than $20 billion in assets.

FORWARD-LOOKING STATEMENTS
Statements contained in this news release that are not historical facts are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated.

The MIL Network –

July 18, 2025

MIL-OSI USA: As Chaotic Trump Tariffs Drive Price Hikes, Warren, Baldwin, Schakowsky, Deluzio Propose New Tools to Fight Price Gouging

US Senate News:

Source: United States Senator for Massachusetts – Elizabeth Warren
July 17, 2025
Text of Bill (PDF) | Bill One-Pager (PDF)
Washington, D.C. — U.S. Senators Elizabeth Warren (D-Mass.) and Tammy Baldwin (D-Wis.), along with Representatives Jan Schakowsky (D-Ill.) and Chris Deluzio (D-Pa.) reintroduced the Price Gouging Prevention Act to fight back against the corporate greed enabled by the Trump administration’s chaotic tariff policies. The bill would give the Federal Trade Commission (FTC) and state attorneys general new tools to enforce a federal ban against grossly excessive price increases.
The last five years have repeatedly shown us that giant corporations will take advantage of inflation and supply chain disruptions to expand their profit margins by raising prices higher than necessary to cover cost increases. President Trump’s on-again, off-again tariffs have created yet another opportunity for corporate price gouging. The tariff-driven uncertainty gives companies the opportunity to raise prices on all goods, regardless of whether they are actually subject to new tariffs, higher and for longer than what is necessary to cover any cost increases. Now, dozens of companies have reported raising the prices of goods and services unaffected by Trump’s tariffs.
“Donald Trump’s reckless tariff policies are giving companies cover to squeeze families and raise prices more than necessary. My bill is an opportunity for Congress to stand up for families by cracking down on price gouging and fighting back against corporate abuse,” said Senator Warren.
Last week, Senator Warren and 16 other Democrats urged the FTC to investigate tariff-enabled corporate price gouging that is raising costs for American families and use its full authority to prevent it.
“The biggest corporations in our country jack up the cost of everyday household items, take in record profits, and give their executives huge bonuses – all on the backs of hard-working Wisconsin families. Donald Trump claimed he would lower prices – so far, he has done just the opposite and is even opening the door to more price gouging. But, if we pass this bill, we can rein that in and give Wisconsinites some breathing room and allow them to save for the future,” said Senator Baldwin. “Our bill will finally crack down on corporate greed and help stop those big companies at the top of the food chain from sticking families with exorbitant costs.”
“Prices are still too high, and inflation is still pounding folks. Especially now, we need to rein in monopolists and other huge corporations with the power to price gouge the American people,” said Congressman Deluzio. “By upping FTC enforcement practices and boosting transparency, this bill will take some of the squeeze off American families and small businesses suffering under the thumb of out-of-control corporate power.”
“President Donald Trump promised to lower costs, but we have seen the exact opposite. Greedy corporations are using the economic turmoil the Trump Administration has created to gouge the American people on everything from groceries to consumer goods. While these large corporations rake in record profits, families in my community and across the country are struggling to put food on the table,” said Congresswoman Jan Schakowsky. “Our bill will finally put an end to price gouging by empowering the FTC and state attorneys general to hold bad actors accountable when they take advantage of consumers.”
Senator Warren introduced this bill in the 116th Congress, 117th Congress, and again in the 118th Congress.
The Price Gouging Prevention Act of 2025 would help the federal government and state attorneys general fight corporate price gouging. The bill would:
Prohibit price gouging at the federal level—anytime and anywhere. The bill would clarify that price gouging is an unfair and deceptive practice under the FTC Act. It would allow the FTC and state attorneys general to stop sellers from charging a grossly excessive price, regardless of where the price gouging occurs in a supply chain or distribution network;
Help enforcers establish when price gouging is occurring during a significant shift in trade policy. The bill lists a set of exceptional market shocks—including an “abrupt or significant shift in trade policy”—and outlines a standard for a presumptive violation of the price gouging prohibition during such a shock, such as when companies brag about increasing prices;
Create an affirmative defense for small businesses acting in good faith. Small and local businesses sometimes must raise prices in response to crisis-driven increases in their costs because they have little negotiating power with their price-gouging suppliers. This affirmative defense protects small businesses earning less than $100 million from frivolous litigation if they show legitimate cost increases;
Require public companies to clearly disclose costs and pricing strategies. During periods of exceptional market shock, the bill requires public companies to transparently disclose and explain changes in their cost of goods sold, gross margins, and pricing strategies in their quarterly SEC filings; and
Provide $1 billion in additional funding to the FTC to carry out its work.
Senators Richard Blumenthal (D-Conn.), John Fetterman (D-Pa.), Andy Kim (D-N.J.), Ed Markey (D-Mass.), Jeff Merkley (D-Ore.), Bernie Sanders (I-Vt.), Elissa Slotkin (D-Mich.), and Sheldon Whitehouse (D-R.I.) joined as co-sponsors.
Representatives Angie Craig (D-Minn.), Maggie Goodlander (D-N.H.), Hank Johnson (D-Ga.), Ro Khanna (D-Calif.), Eleanor Holmes Norton (D-D.C.), Jerry Nadler (D-N.Y.), Mary Gay Scanlon (D-Pa.), Rashida Tlaib (D-Mich.), and Paul Tonko (D-N.Y.) joined as co-sponsors.
“Consumers deserve and desperately need stronger protection against price gouging and unfair profiteering that this legislation will provide. As state Attorney in Connecticut, I saw firsthand how corporate greed leads wrongdoers to exploit loopholes in present law. American consumers should be safeguarded more effectively by imposing accountability and transparency,” said Senator Blumenthal.
“Trump’s chaotic tariff policies handed large companies a free pass to jack up prices on the goods and services we rely on every day. As a result, hard-working Americans are being forced to take a smaller slice of the pie while corporate executives line their pockets. The Price Gouging Prevention Act gives regulators the teeth to shut this down,” said Senator Fetterman. “It forces big companies to be honest about why they’re raising prices, and it’ll bring relief at the grocery store and the pump to families across the Commonwealth.”
“No one should be allowed to pad their pockets by price gouging hardworking Americans,” said Senator Kim. “At a moment when more and more people are feeling like they can’t afford the American dream, this bill is an important tool to stand up for working families, lower costs, and build an economy that looks after all Americans, not just the wealthiest few.”
“Big corporations are making big profits, and some are cynically using Trump’s tariffs and trade threats to justify price increases on hard working people,” said Senator Markey. “While Republicans shower big corporations with lavish tax breaks, Senator Warren and Senator Baldwin are leading the fight to stand up for working people. I am proud to stand with my colleagues to co-sponsor the Price Gouging Prevention Act and end predatory profiteering.”
“From outrageous prices for prescription medications, to the costs of groceries skyrocketing, it’s working families footing the bill while huge corporations gouge consumers to line their own pockets,” said Senator Merkley. “Americans deserve basic consumer protections from this harmful practice, and we need the Price Gouging Prevention Act to put people over profits.”
“Michiganders know their pocketbooks. They know when they are getting taken for a ride. The cost of living is too high in America, and it is keeping hard-working people out of the middle class,” said Senator Slotkin. “One way to attack that problem is to crack down on price gouging from the largest, multi-national corporations, who too often use a crisis or supply chain disruption to further squeeze Americans and raise prices. This bill strengthens the tools in our toolkit to go after bad-faith actors and protect the middle class.”
“Corporate bad actors are using Trump’s tariff chaos as an excuse to hike prices far beyond their own cost increases to make even more money at the expense of hardworking Americans,” said Senator Whitehouse. “Our legislation will crack down on price gouging and lower costs for families.”
This bill is endorsed by the following labor groups and organizations: AFL-CIO, UAW, USW, Accountable.US/Accountable.NOW, American Economic Liberties Project, Consumer Federation of America, Economic Security Project Action, Farm Action Fund, Food & Water Watch, Groundwork Collaborative, National Consumer Law Center (on behalf of its low-income clients), P Street, and Public Citizen.
“America’s working families are tired of giant corporations jacking up prices and taking a bigger and bigger slice of their paychecks just to pad their record-breaking profits. The Price Gouging Prevention Act is important legislation to crack down on this corporate greed, put some common-sense fairness back in our economy, and rein in the basic costs that are making it hard for working families to make ends meet,” said Liz Shuler, President of the AFL-CIO.
“Working families must never be squeezed by corporations using crises as cover to raise prices. The Price Gouging Prevention Act is a long-overdue check on corporate abuse, holding companies accountable and putting power back in the hands of consumers and workers. We’re proud to support it,” said David McCall, President of the United Steelworkers.
“The Trump administration has shown time and again it is on the side of the giant corporations squeezing profits from American families. While the President fans the flames on higher prices and fewer protections, the Price Gouging Prevention Act tackles corporate greed head on. It’s more important than ever that Congress take the initiative to defend American families from abusive price hikes in the marketplace,” said Caroline Ciccone, President of Accountable.US/Accountable.NOW.
“Cracking down on price gouging at the federal level is both commonsense and long overdue,” said Morgan Harper, Director of Policy and Advocacy at the American Economic Liberties Project. “From natural disasters to Trump’s tumultuous trade policy, big corporations are weaponizing chaos to pad their bottom line at the expense of hardworking Americans. Just like the laws many states across the country already have in place, Senator Warren’s price-gouging legislation prohibits opportunistic price increases now and during future crises to protect families and small businesses.”
“Now, more than ever, we need to crack down on predatory corporations that weaponize economic turmoil by price-gouging hardworking Americans and lining their pockets with obscene profits. Congress should immediately pass the Price Gouging Prevention Act and give state and federal law enforcement agencies full power to stop corporations from preying on American families through this shameless profiteering,” said Erin Witte, Director of Consumer Protection for Consumer Federation of America.
“More and more families are feeling the sting of our affordability crisis, and price gouging is a major cause. Price gouging puts basic needs like groceries, rent, and medications increasingly out of reach for millions just to line the pockets of corporate shareholders. The Price Gouging Prevention Act is a huge step towards ending this practice by holding corporate price gougers accountable,” said Adam Ruben, Director of Economic Security Project Action.
“For too long, corporate giants have used market disruptions as an excuse to gouge farmers and consumers, with little fear of consequences. We exposed abusive pricing schemes in the fertilizer, beef, and egg industries in recent years, yet the FTC has been hamstrung in its ability to take action. The legislation introduced by Senator Warren and her colleagues would enable antitrust enforcers to hold these corrupt corporations accountable, restoring fairness to our markets and bringing justice to America’s farmers and consumers,” said Joe Maxwell, President of Farm Action Fund.
“While everyday Americans are struggling to make ends meet, corporations continue to hike up prices and rake in record profits. The president’s chaotic trade policy has created the perfect environment for companies to raise prices on consumers well beyond the rate of inflation. Senator Warren’s legislation puts working families first by cracking down on these price gougers and ensuring consumers pay a fair price,” said Lindsay Owens, Executive Director of Groundwork Collaborative.
“Whether it’s airlines hiking prices after a hurricane, egg companies using flimsy excuses to quadruple costs, or oil giants colluding to keep prices high, we know corporations price gouge consumers for one simple reason: because they can,” said Joe Van Wye, Senior Legislative Strategist at P Street. “Decades of weak antitrust enforcement let these corporations grow unchecked—giving monopolies the power to squeeze families for every dollar. Senator Warren is taking on corporate greed head-on and demanding real accountability to put dollars back in Americans’ pockets. More of her colleagues should follow her lead.”

MIL OSI USA News –

July 18, 2025

MIL-OSI: Chemung Financial Corporation Reports Second Quarter 2025 Results

Source: GlobeNewswire (MIL-OSI)

ELMIRA, N.Y., July 17, 2025 (GLOBE NEWSWIRE) — Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the “Bank”), today reported a net loss of $6.5 million, or $1.35 per share, for the second quarter of 2025, compared to net income of $6.0 million, or $1.26 per share, for the first quarter of 2025, and net income of $5.0 million, or $1.05 per share, for the second quarter of 2024.

“The Corporation executed two major components of a transformational balance sheet repositioning in the second quarter by issuing subordinated debt and selling a significant portion of our securities portfolio,” said Anders M. Tomson, President and CEO of Chemung Financial Corporation. “These strategic actions strengthen our regulatory capital position, improved commercial real estate concentration ratios, and enhanced our flexibility in funding loan growth in key expansion markets while positioning the Corporation to benefit from lower funding costs beginning in the third quarter,” Tomson added.

“Core operating results for the quarter were solid and we remain encouraged by continued success in executing on principal initiatives. These results reflect the resilience of our customer base and the disciplined approach taken by our organization,” said Tomson. “The recent addition of deposit focused team members in our growth markets will complement the strong loan pipelines we are seeing across our footprint,” concluded Tomson.

Second Quarter Highlights:

The Corporation issued $45.0 million in aggregate principal Fixed-to-Floating Rate Subordinated Notes on June 10, 2025, due June 2035. The notes qualify as tier 2 capital at Chemung Financial Corporation.

Available for sale securities with a book value of $245.5 million were sold in June 2025 as part of a balance sheet repositioning in conjunction with the Corporation’s subordinated debt issuance, resulting in a realized pre-tax loss of $17.5 million. Proceeds from the sales totaled $227.3 million.

Non-GAAP net income and earnings per share, excluding the impact of one-time items, was $6.3 million and $1.31, respectively, for the second quarter of 2025.¹

Net interest margin increased nine basis points, to 3.05%, for the second quarter 2025, compared to 2.96% for the first quarter 2025, partially due to the impact of the Corporation’s balance sheet repositioning on the composition of interest-earning assets.¹

Dividends declared during the second quarter of 2025 were $0.32 per share.

¹ See the GAAP to Non-GAAP reconciliations.

2nd Quarter 2025 vs 1st Quarter 2025

Net Interest Income:
Net interest income for the second quarter of 2025 totaled $20.8 million, compared to $19.8 million for the prior quarter, an increase of $1.0 million, or 5.0%, driven by increases of $1.3 million in interest income on loans and $0.5 million in interest income on interest-earning deposits, partially offset by a decrease of $0.5 million in interest income on taxable securities and an increase of $0.4 million in interest expense on borrowed funds.

Interest income on loans increased largely due to an increase of $30.8 million in average balances of total loans, compared to the prior quarter, an increase of 12 basis points in the average yield on total loans, compared to the prior quarter, and the recognition of $0.1 million in interest income on the payoff of a previously nonaccrual multifamily commercial mortgage. The increase in average balances of total loans was concentrated in commercial real estate. Average balances of commercial loans increased $39.2 million, due mainly to an increase in average balances of commercial real estate loans, while average balances of consumer loans decreased $9.3 million, each compared to the prior quarter. Average balances of residential mortgage loans were roughly in line with the prior quarter. Consumer loan average balances decreased primarily due to a decrease in average balances of indirect auto loans, as the Corporation largely continued to prioritize other types of lending, although auto loan origination activity increased toward the end of the second quarter. This decrease was partially offset by an increase in average balances of home equity lines of credit, largely due to promotional efforts in the first half of 2025. The increase in the average yield on total loans was largely driven by an increase of 11 basis points in the average yield on commercial loans, which was supported by stability in benchmark interest rates in the current period and strong origination yields in recent periods. Interest income recognized on the payoff of one nonaccrual multifamily commercial mortgage positively impacted the second quarter’s average commercial loan yield by approximately two basis points, and the total average loan yield by one basis point.

Interest income on interest-earning deposits increased mainly due to an increase of $46.2 million in average balances of interest-earning deposits, largely comprised of proceeds from the Corporation’s sale of available for sale securities in the second quarter of 2025, as well as proceeds from the Corporation’s subordinated debt issuance in the second quarter of 2025. The Corporation maintained elevated levels of deposits at the Federal Reserve Bank of New York (FRBNY) at the end of the second quarter, partially in anticipation of the maturity of $155.0 million of total wholesale funding early in the third quarter of 2025. A portion of remaining balances of interest-earning deposits are expected to fund loan growth across the Corporation’s markets.

Interest income on taxable securities decreased largely due to a decrease of $51.0 million in average balances of taxable securities, compared to the prior quarter, as well as a decrease of 20 basis points in the average yield on taxable securities, compared to the prior quarter. The decrease in average balances of taxable securities was due to both normal paydown activity on mortgage-backed and SBA pooled loan securities, as well as the Corporation’s sale of available for sale securities in the second quarter of 2025. The decrease in the average yield on taxable securities primarily reflected the sale of relatively higher-yielding securities, executed to optimize sale proceeds, which generally resulted in the sale of securities which had yields above the portfolio weighted average yield prior to the sale. Additionally, an increase in amortization on SBA pooled loan securities, driven by paydown activity prior to the sale, also contributed to the decrease.

Interest expense on borrowed funds increased primarily due to the issuance of $45.0 million in subordinated notes in the second quarter of 2025, as well as an increase of $35.5 million in average balances of Federal Home Loan Bank of New York (FHLBNY) term advances, partially offset by a decrease of $16.4 million in average balances of FHLBNY overnight advances, both compared to the prior quarter. The subordinated notes were issued at a fixed interest rate of 7.75%, which will convert to a floating interest rate of the then-current Three-Month Term SOFR rate plus a spread of 415 basis points in the second quarter of 2030. There were $0.9 million in deferred issuance costs associated with the offering. The increase in average balances of FHLBNY term advances was primarily due to decreases in average balances of other types of wholesale funding, including FHLBNY overnight advances and brokered deposits. The average cost of FHLBNY term advances was consistent with the prior quarter, while the average cost of FHLBNY overnight advances decreased three basis points compared to the prior quarter.

Interest expense on deposits decreased by less than $0.1 million compared to the prior quarter, largely due to decreases in the average cost of customer time deposits and brokered deposits of 21 and 26 basis points, respectively, and a decrease of $20.0 million in average balances of brokered deposits, compared to the prior quarter, mostly offset by an increase of 13 basis points in the average cost of savings and money market deposits, compared to the prior quarter. The decrease in the average cost of customer time deposits was mainly due to the duration of deposits in the portfolio and the repricing of CDs issued in earlier periods as deposits were renewed or matured. The decrease in average balances of brokered deposits was partially due to an increase in average balances of other wholesale funding sources. The increase in the average cost of savings and money market deposits was primarily due to municipal deposit inflows, which tend to carry a higher cost than equivalent products for consumer or commercial clients.

Fully taxable equivalent net interest margin was 3.05% for the current quarter, compared to 2.96% for the prior quarter. Average interest-earning assets increased $20.2 million, while average interest-bearing liabilities increased $21.2 million during the second quarter, compared to the prior quarter. The average yield on interest-earning assets increased 11 basis points to 4.83%, while the average cost of interest-bearing liabilities increased two basis points to 2.57%, compared to the prior quarter. Total cost of funds was 1.94% for the current quarter, compared to 1.92% for the prior quarter, an increase of two basis points.

Provision for Credit Losses:
Provision for credit losses was $1.1 million for the second quarter of 2025, in line with the prior quarter. The provision was largely due to growth in commercial loan balances and changes in model inputs, including FOMC forecasts for increased unemployment and a decline in GDP growth, as well as declines in modeled prepayment speeds. A majority of loan balances charged-off in the second quarter related to loans that carried full specific allocations in the Corporation’s allowance for credit losses, and therefore did not affect the provision for credit losses for the quarter. Charge-offs on loans which did not carry specific allocations were comparable to the prior quarter.

Non-Interest Income:
The Corporation recognized a pre-tax loss of $17.5 million on the sale of a portion of its available for sale securities portfolio in the second quarter of 2025, resulting in overall negative non-interest income of $10.7 million for the quarter, compared to positive non-interest income of $5.9 million for the prior quarter. Recurring non-interest income (see Non-GAAP reconciliations), which excludes the loss on the sale of available for sale securities and the gain on the sale of a previous branch property, increased $0.3 million compared to the prior quarter, driven by an increase in the change in fair value of equity investments of $0.2 million.

The loss recognized on the sale of available for sale securities was a major component of the Corporation’s strategic balance sheet repositioning, where proceeds from the sale of securities are largely expected to be used to pay off more expensive wholesale funding liabilities later in 2025 and fund future loan growth. The pre-tax loss of $17.5 million represents 7.1% of the book value of securities sold as of the transaction date. The composition of securities sold included all the Corporation’s U.S. Treasury and SBA pooled-loan securities, as well as portions of the Corporation’s mortgage-backed securities and municipal bond portfolios. The weighted average book yield and weighted average life of securities sold were approximately 2.1% and three years, respectively, while the weighted average book yield and weighted average life of securities remaining were approximately 2.0% and seven years, respectively.

The Corporation also recognized a gain of $0.6 million on the sale of its previously disclosed held for sale branch property in Ithaca, New York. As previously disclosed all operations of the branch, formerly known as the “Ithaca Station” branch, were consolidated into a nearby branch in Ithaca in the fourth quarter of 2024. The increase in the change in fair value of equity investments was largely due to an increase in the market value of the Corporation’s deferred compensation plan, due to improvements in financial markets during the current quarter.

Non-Interest Expense:
Non-interest expense for the second quarter of 2025 was $17.8 million, compared to $16.9 million for the prior quarter, an increase of $0.9 million, or 5.3%, driven by increases of $0.4 million in salaries and wages, $0.2 million in pension and other employee benefits, and $0.2 million in professional services.

Salaries and wages increased largely due to an increase in full-time equivalent employees compared to the prior quarter, including additional staffing in the Western New York Canal Bank division and temporary summer employees, as well as an increase in salary expense attributable to the increase in the market value of the Corporation’s deferred compensation plan. Pension and other employee benefits increased primarily due to an increase in employee healthcare-related expenses, compared to the prior quarter. Professional services increased largely due to tax services related to the Corporation’s Wealth Management Group, compared to the prior quarter.

Income Tax Expense:
Income tax expense for the second quarter of 2025 was a tax benefit of $2.4 million, compared to income tax expense of $1.7 million for the prior quarter, a decrease of $4.1 million. The decrease in income tax expense was primarily due to the net loss on the Corporation’s sale of available for sale securities in the second quarter of 2025.

2nd Quarter 2025 vs 2nd Quarter 2024

Net Interest Income:
Net interest income for the second quarter of 2025 totaled $20.8 million, compared to $17.8 million for the same period in the prior year, an increase of $3.0 million, or 16.9%, driven by increases of $1.9 million in interest income on loans and $0.5 million in interest income on interest-earning deposits, and a decrease of $1.6 million in interest expense on deposits, partially offset by a decrease of $0.7 million in interest income on taxable securities.

Interest income on loans increased largely due to an increase of $98.7 million in average balances of total loans compared to the same period in the prior year, as well as an increase of nine basis points in the average yield on total loans compared to the same period in the prior year. The increase in average balances of total loans was concentrated in commercial loans, which grew by $129.2 million compared to the same period in the prior year, largely comprised of growth in commercial real estate balances, particularly in the Bank’s Capital region and Western New York markets. The average yield on commercial loans decreased one basis point compared to the same period in the prior year, largely due to declines in benchmark interest rates on existing loans and the lower market interest rate environment on new originations.

Average balances of residential mortgage loans increased $2.9 million while the average yield on residential mortgage loans increased 37 basis points, each compared to the same period in the prior year. Mortgage origination activity increased in the first half of 2025 compared to the same period in the prior year, however overall origination volumes continue to trail levels experienced in recent years. The increase in the average yield on residential mortgages was partially driven by a shift in portfolio composition toward variable rate and construction-to-permanent mortgages, which are currently higher-yielding than fixed rate mortgages. Average balances of consumer loans decreased $33.3 million while the average yield on consumer loans increased 25 basis points, each compared to the same period in the prior year. The decrease in average balances was mainly due to a decrease in indirect auto origination activity, and normal portfolio turnover, as the Bank prioritized funding other types of lending over the past year. The increase in the average yield on consumer loans was primarily due to portfolio turnover in the indirect auto portfolio as older, lower-yielding balances were replaced by higher-yielding balances.

Interest income on interest-earning deposits increased mainly due to an increase of $45.9 million in average balances of interest-earning deposits, despite a decrease of 42 basis points in the average yield on interest-earning deposits, each compared to the same period in the prior year. The increase in average balances was largely due to proceeds from the Corporation’s sale of available for sale securities in the second quarter of 2025 being held as deposits at the FRBNY in advance of $155.0 million in wholesale funding maturing early in the third quarter of 2025. The decrease in the average yield on interest-earning deposits was largely due to a decrease in the Federal Funds Target Range Upper Limit of 100 basis points between the second quarter of 2024 and second quarter of 2025. Deposits held at the FRBNY receive interest at a rate 10 basis points below the Federal Funds Upper Limit.

Interest expense on deposits decreased primarily due to a decrease of 79 basis points in the average cost of customer time deposits, as well as a decrease of 106 basis points in the average cost of brokered deposits, each compared to the same period in the prior year, resulting in a decrease of 83 basis points in the average cost of total time deposits. The decrease in the cost of customer time deposits was largely due to changes in offered terms on CD campaigns, including a shift towards shorter duration products, while the decrease in the average cost of brokered deposits was largely due to the declining market interest rate environment, which the Corporation was able to take advantage of by primarily utilizing brokered deposits with original durations of three months or less. Average balances of customer time deposits comprised 21.3% of total average deposits for the second quarter of 2025, compared to 21.9% for the second quarter of 2024. Also contributing to the decrease in interest expense on deposits were decreases of 28 basis points and seven basis points in the average cost of interest-bearing demand deposits and savings and money market deposits, respectively, compared to the same period in the prior year. Combined, these decreases resulted in a decrease of 41 basis points in the total average cost of interest-bearing deposits compared to the same period in the prior year, from 2.86% in the second quarter of 2024 to 2.45% in the second quarter of 2025. The deposit beta on total deposits was 28% between these two periods.

Interest income on taxable securities decreased largely due to a decrease of $86.6 million in average balances of taxable securities, as well as a decrease of 21 basis points in the average yield on taxable securities, both compared to the same period in the prior year. The decrease in average balances was mainly attributable to $57.2 million in paydowns and maturities of available for sale securities between the second quarters of 2024 and 2025, as well as $245.5 million in sales of available for sale securities during the second quarter of 2025 as part of the Corporation’s balance sheet repositioning efforts. The decrease in the average yield on taxable securities was mainly attributable to decreases in interest rates earned on variable rate securities such as SBA loan pooled securities between the second quarters of 2024 and 2025, as well as the average yield of securities sold in the second quarter 2025 being higher than the overall average yield on the portfolio at the time of the sale.

Fully taxable equivalent net interest margin was 3.05% for the second quarter of 2025, compared to 2.66% for the same period in the prior year. Average interest-earning assets increased $50.5 million, while average interest-bearing liabilities increased $45.8 million, compared to the same period in the prior year. The average yield on interest-earning assets increased fourteen basis points to 4.83%, while the average cost of interest-bearing liabilities decreased 37 basis points to 2.57%, compared to the same period in the prior year. Total cost of funds was 1.94% for the current quarter, compared to 2.20% for the same period in the prior year, a decrease of 26 basis points.

Provision for Credit Losses:
Provision for credit losses was $1.1 million for the second quarter of 2025, compared to $0.9 million for the same period in the prior year, an increase of $0.2 million. The increase was largely due to stronger loan growth in the second quarter of 2025, which totaled $34.8 million, compared to the same period in the prior year, as well as changes in the FOMC’s projections for increased unemployment and a decline in GDP growth during the second quarter of 2025, compared to relatively stable projections during the second quarter of 2024.

Non-Interest Income:
The Corporation recognized a pre-tax loss of $17.5 million on the sale of a portion of its available for sale securities portfolio in the second quarter of 2025, resulting in overall negative non-interest income of $10.7 million for the quarter, compared to positive non-interest income of $5.6 million for the same period in the prior year. Recurring non-interest income (see Non-GAAP reconciliations), which excludes the loss on the sale of available for sale securities and the gain on the sale of a previous branch property, increased $0.6 million compared to the same period in the prior year, driven by increases of $0.2 million in service charges on deposits and $0.1 million in each of wealth management group fee income and change in fair value of equity investments.

As previously mentioned in the quarter over quarter comparison, the $17.5 million loss recognized on the sale of available for sale securities was a major component of the Corporation’s balance sheet repositioning. Additionally, the $0.6 million gain on the sale of a previous branch property was part of ongoing rationalization of the Bank’s physical distribution network. Both the increase in service charges on deposits and wealth management group fee income were largely attributable to fee schedule increases implemented in the second half of 2024. Wealth management group fee income also benefited from positive changes in financial markets during the second quarter of 2025, which was also the primary driver in the change in fair value of equity investments, resulting in an increase in the market value of assets held for the Corporation’s deferred compensation plan.

Non-Interest Expense:
Non-interest expense for the second quarter of 2025 was $17.8 million, compared to $16.2 million for the same period in the prior year, an increase of $1.6 million, or 9.9%, driven by increases of $0.8 million in salaries and wages, $0.3 million in data processing, and $0.2 million in professional services.

Salaries and wages increased largely due to an increase in base salaries, including merit-based increases and additional staffing for the Corporation’s Western New York regional banking center. The increase in data processing was primarily due to an increase in core service provider expenses and additional expenses related to Canal Bank operations in Western New York. The increase in professional services was mainly due to an increase in consulting expenses, partially attributable to results-based fees related to the Corporation’s implementation of fee schedule increases in 2024.

Income Tax Expense:
Income tax expense for the second quarter of 2025 was a tax benefit of $2.4 million, compared to income tax expense of $1.3 million for the second quarter of 2024, a decrease of $3.7 million. The decrease in income tax expense was primarily due to the net loss on the Corporation’s sale of available for sale securities in the second quarter of 2025.

Asset Quality
Non-performing loans totaled $8.2 million as of June 30, 2025, or 0.39% of total loans, compared to $9.0 million, or 0.43% of total loans as of December 31, 2024. The decrease in non-performing loans was largely due to paydown and charge-off activity in the first half of 2025. There were $1.4 million in paydowns on and payoffs of non-performing commercial loans in the first half of 2025, including the payoff of a $1.0 million non-performing multifamily commercial mortgage. Additionally, $0.8 million in non-performing commercial and industrial loan balances were charged-off in the first half of 2025. These decreases were partially offset by $0.3 million in commercial loan balances added to non-performing loans in the first half of 2025. Retail non-performing loans increased $0.7 million compared to December 31, 2024, largely concentrated in home equity and indirect auto loans. Approximately half of the total increase in non-performing retail loans related to one well-secured first lien home equity loan which was placed into nonaccrual status in the first quarter of 2025. Non-performing assets, which are comprised of non-performing loans, other real estate owned, and repossessed vehicles, were $8.4 million, or 0.30% of total assets as of June 30, 2025, compared to $9.6 million, or 0.35% of total assets as of December 31, 2024. The decrease in non-performing assets was largely due to a decrease in non-performing loans. Other real estate owned decreased to $0.1 million as of June 30, 2025 from $0.4 million as of December 31, 2024, and was comprised of only one property as of June 30, 2025, while repossessed vehicles were $0.2 million as of June 30, 2025 and December 31, 2024.

Total loan delinquencies as of June 30, 2025 decreased compared to December 31, 2024, primarily driven by a decrease in commercial loan delinquencies. As of June 30, 2025, there were less than $0.1 million in performing commercial loan balances considered to be delinquent, compared to $3.9 million as of December 31, 2024. Annualized net charge-offs to total average loans for the second quarter of 2025 were 0.19%, compared to 0.05% for the first quarter of 2025, an increase of 14 basis points. Net charge-offs experienced in the second quarter of 2025 included a $0.7 million charge-off on an unsecured commercial and industrial loan which had previously carried a full allocation in the allowance for credit losses, as well as an unrelated $0.1 million partial charge-off on another commercial and industrial loan which also carried a specific allocation in the allowance for credit losses. Annualized net commercial charge-offs represented 0.20% of average balances for the second quarter of 2025. Consumer loan net charge-offs continues to be concentrated in indirect auto loans, with annualized consumer charge-offs representing 0.35% of average balances for the second quarter of 2025. Residential mortgages had an immaterial net recovery rate for the second quarter of 2025. Annualized net-charge offs for the six months ended June 30, 2025 were 0.12% of total average loan balances, compared to net charge-offs of 0.05% for the six months ended June 30, 2024, an increase of seven basis points, largely due to the $0.7 million commercial and industrial charge-off in the second quarter of 2025.

The allowance for credit losses on loans was $22.7 million as of June 30, 2025 compared to $21.4 million as of December 31, 2024. The allowance for credit losses on unfunded commitments, a component of other liabilities, was $0.5 million as of June 30, 2025 and $0.8 million as of December 31, 2024. The increase in the allowance for credit losses on loans was partially attributable to the annual review and update to loss drivers used in the Bank’s CECL model, which resulted in higher baseline loss rates for most of the Bank’s portfolio segments. Also contributing to the increase in the allowance was year-to-date net loan growth and deterioration in FOMC forecasted data points used in modeling for national unemployment and GDP growth. Forecasts for year-end 2025 GDP growth decreased 70 basis points compared to December 31, 2024, while forecasts for year-end 2025 unemployment increased 20 basis points compared to December 31, 2024. Partially offsetting the overall increase in the allowance was a $0.8 million decrease in allowance allocations for individually analyzed loans, due to commercial net charge-offs in the first half of 2025. Provision for credit losses as a percentage of period-end loan balances was 0.05% for both the second quarter of 2025 and for the first quarter of 2025. The allowance for credit losses on loans to total loans was 1.06% as of June 30, 2025 and 1.03% as of December 31, 2024 while the allowance for credit losses on loans was 275.16% of non-performing loans as of June 30, 2025 and 238.87% as of December 31, 2024.

Balance Sheet Activity
Total assets were $2.852 billion as of June 30, 2025, compared to $2.776 billion as of December 31, 2024, an increase of $76.3 million, or 2.7%. This increase was driven by increases of $273.0 million in cash and cash equivalents and $61.0 million in loans, net of deferred origination fees and costs, partially offset by decreases of $244.1 million in securities available for sale and $11.0 million in accrued interest receivable and other assets.

Cash and cash equivalents increased largely due to proceeds of $227.3 million from the Corporation’s sale of available for sale securities in the second quarter of 2025. Cash balances as of June 30, 2025 were held almost entirely at the FRBNY and the Corporation utilized a portion of these proceeds to pay off wholesale funding which matured early in the third quarter of 2025. An increase of $72.1 million in total deposits, primarily due to inflows of municipal deposits, and proceeds from the Corporation’s issuance of subordinated debt in the second quarter of 2025, also contributed to the increase in cash and cash equivalents balances.

Loans, net of deferred origination fees and costs increased mainly due to growth in commercial real estate balances. Total commercial loan balances increased $75.5 million, or 5.0%, compared to prior year-end, comprised of an increase of $80.5 million in commercial real estate balances, partially offset by a decrease of $5.0 million in commercial and industrial balances. Year-to-date commercial loan growth was relatively evenly distributed between the Bank’s Capital Bank and Canal Bank divisions in the Albany and Buffalo markets, respectively. Residential mortgages increased $3.2 million, or 1.2%, compared to the prior year-end, with overall year-to-date origination activity as of June 30, 2025 increasing compared to the same period in the prior year. Consumer loans decreased $17.7 million, or 6.3%, compared to the prior-year end, largely due to lower levels of indirect auto loan origination activity, and a relatively fast turnover rate in the portfolio, however origination activity increased toward the end of the second quarter as a result of a decrease in interest rates offered in the indirect lending program.

Securities available for sale decreased primarily due to the Corporation’s ongoing strategic balance sheet repositioning, which included the sale of available for sale securities with a market value totaling $227.3 million in the second quarter of 2025. The sale of securities included the Corporation’s entire portfolio of U.S Treasury and SBA pooled-loan securities, as well as portions of the mortgage-backed securities and municipal bonds portfolios. Year-to-date net paydowns and maturities on available for sale securities totaled $28.3 million, largely on mortgage-backed and SBA pooled-loan securities. Partially offsetting the overall decrease in the available for sale securities portfolio was an increase of $12.6 million in the fair value of securities, mainly due to favorable changes in interest rates compared to December 31, 2024. Accrued interest receivable and other assets decreased largely due to a decrease in the fair value of interest rate swap assets, due to changes in interest rates.

Total liabilities were $2.618 billion as of June 30, 2025, compared to $2.561 billion as of December 31, 2024, an increase of $56.7 million, or 2.2%. This increase was driven by increases of $72.1 million in total deposits and $44.1 million in subordinated debt, net of deferred issuance costs, partially offset by decreases of $54.3 million in advances and other debt and $5.0 million in accrued interest payable and other liabilities.

Total deposits increased $72.1 million, or 3.0%, compared to the prior year-end, largely due to increases of $44.6 million in money market deposits and $41.6 million in interest-bearing demand deposits. Increases in these deposit types were primarily attributable to seasonal inflows of municipal deposits. Total time deposits decreased $5.4 million, consisting of a decrease of $13.3 million in customer time deposits partially offset by an increase of $7.8 million in brokered deposits. The decrease in customer time deposits was partially due to the maturity of previous CD campaign offerings which were not renewed. The Bank has continued to focus on shorter-duration CD campaigns, such as six and 15-month offerings, while also introducing a 36-month option in 2025 to broaden its product offerings. All of the Corporation’s brokered deposits matured in early July 2025 and were paid off in full using a portion of the proceeds from the previously mentioned securities sale. Excluding brokered deposits, total deposits increased $64.2 million from December 31, 2024. Additionally, savings deposits decreased $7.3 million while non interest-bearing demand deposits decreased $1.4 million from December 31, 2024. Non interest-bearing deposits comprised 25.3% and 26.1% of total deposits as of June 30, 2025 and December 31, 2024, respectively.

Subordinated debt, net of deferred issuance costs, increased due to the issuance of $45.0 million in 7.75% fixed-to-floating rate notes in June 2025 in a private offering. There were $0.9 million in deferred issuance costs associated with the offering. The subordinated debt qualifies as tier 2 capital at the holding company and tier 1 capital at the Bank. Of the $45.0 million in subordinated debt issued, $37.0 million was downstreamed to the Bank, qualifying as tier 1 capital. The notes carry an original term of ten years and are redeemable by the Corporation beginning in June 2030, and beginning in June 2030 will float based on the then current Three-Month Term SOFR, plus 415 basis points. Further details regarding the offering can be found in the Corporation’s Form 8-K filed with the Securities and Exchange Commission on June 10, 2025.

Advances and other debt decreased mainly due to increases in cash and cash equivalents and total deposits. Advances and other debt as of June 30, 2025 largely consisted of a $55.0 million two-month term advance from the FHLBNY, which matured in July 2025, whereas the composition of advances and other debt as of the prior year-end consisted primarily of FHLBNY overnight advances. The decrease in accrued interest payable and other liabilities was mainly due to a decrease in interest rate swap liabilities, due to changes in interest rates.

Total shareholders’ equity was $235.0 million as of June 30, 2025, compared to $215.3 million as of December 31, 2024, an increase of $19.7 million, or 9.2%, driven by a decrease of $22.4 million in accumulated other comprehensive loss and partially offset by a decrease of $3.5 million in retained earnings. The decrease in accumulated other comprehensive loss was largely due to the reclassification of a portion of losses attributable to the available for sale securities portfolio into current period earnings, due to the Corporation’s sale of available for sale securities in the second quarter of 2025, as well as an increase in the fair value of securities available for sale, mainly due to favorable changes in market interest rates. The decrease in retained earnings was mainly due to a net loss for the six months ended June 30, 2025, due to the Corporation’s loss on the sale of available for sale securities, and dividends declared of $3.1 million during the six months ended June 30, 2025.

The total equity to total assets ratio was 8.24% as of June 30, 2025, compared to 7.76% as of December 31, 2024, and the tangible equity to tangible assets ratio was 7.53% as of June 30, 2025, compared to 7.02% as of December 31, 2024.¹ Book value per share and tangible book value per share increased to $48.85 and $44.31, respectively, as of June 30, 2025 from $45.13 and $40.55, respectively, as of December 31, 2024.¹ The Corporation’s sale of securities available for sale did not impact book value per share or tangible book value per share. As of June 30, 2025, the Bank’s capital ratios were in excess of those required to be considered well-capitalized under the regulatory framework for prompt corrective action.

¹ See the GAAP to Non-GAAP reconciliations

Liquidity
The Corporation uses a variety of resources to manage its liquidity, and management believes it has the necessary liquidity to allow for flexibility in meeting its various operational and strategic needs. These include short-term investments, cash flow from lending and investing activities, core-deposit growth, and non-core funding sources, such as time deposits of $250,000 or greater, brokered deposits, FHLBNY overnight and term advances, and FRB advances. Borrowings may be used on a short-term basis for liquidity purposes or on a long-term basis to fund asset growth. As of June 30, 2025, the Corporation’s cash and cash equivalents balance was $320.1 million, largely consisting of the proceeds from the Corporation’s sale of a portion of the available for sale securities portfolio in the second quarter of 2025. The Corporation continues to maintain an investment portfolio of securities available for sale, comprised of government sponsored entity mortgage-backed securities, municipal bonds, and corporate bonds. Although this portfolio generates interest income for the Corporation, it also serves as an available source of liquidity and capital if needed. As of June 30, 2025, the Corporation’s investment in securities available for sale was $287.3 million, $74.2 million of which was not pledged as collateral. Additionally, as of June 30, 2025, the Bank’s total advance line capacity at the Federal Home Loan Bank of New York was $170.2 million, $55.0 million of which was utilized and $115.2 million of which was available as additional borrowing capacity.

As of June 30, 2025, uninsured deposits totaled $694.3 million, or 28.1% of total deposits, including $187.4 million of municipal deposits collateralized by pledged assets, when required. As of December 31, 2024, uninsured deposits totaled $652.3 million, or 27.2% of total deposits, including $145.6 million of municipal deposits collateralized by pledged assets, when required. Due to their fluidity, the Corporation closely monitors uninsured deposit levels when considering liquidity management strategies.

As of June 30, 2025, the Corporation had brokered deposits totaling $100.0 million, all of which matured in early July 2025. As part of its strategic balance sheet repositioning, the Corporation did not replace the brokered deposits at maturity, reflecting its efforts to reduce reliance on wholesale funding sources. The Corporation may use brokered deposits in the future either as a secondary source in funding asset growth or as an additional source of liquidity in supporting ongoing operations.

Other Items
The market value of total assets under management or administration in our Wealth Management Group was $2.313 billion as of June 30, 2025, including $334.0 million of assets under management or administration for the Corporation, compared to $2.212 billion as of December 31, 2024, including $301.9 million of assets under management or administration for the Corporation, an increase of $101.0 million, or 4.5%. Excluding assets under management or administration for the Corporation, total market value of Wealth Management Group assets increased $69.0 million, or 3.7%, largely due to improvements in financial markets during 2025, largely concentrated in the second quarter 2025.

In April 2025, the Corporation completed the sale of its previous branch property on West Buffalo Street in Ithaca, New York, resulting in a pre-tax gain on the sale of $0.6 million. Branch operations had previously been consolidated into a nearby Ithaca branch in November 2024. The gain on the sale of this property has been excluded for the purposes of calculating certain non-GAAP metrics appearing elsewhere in this press release.

As previously announced on January 8, 2021, the Corporation’s Board of Directors approved a stock repurchase program. Under the repurchase program, the Corporation may repurchase up to 250,000 shares of its common stock, or approximately 5% of its then outstanding shares. The repurchase program permits shares to be repurchased in open market or privately negotiated transactions, through block trades, and pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 of the Securities Exchange Act of 1934. As of June 30, 2025, a total of 49,184 shares of common stock at a total cost of $2.0 million were repurchased by the Corporation under its share repurchase program. No shares were repurchased in the second quarter of 2025. The weighted average cost was $40.42 per share repurchased. Remaining buyback authority under the share repurchase program was 200,816 shares as of June 30, 2025.

About Chemung Financial Corporation
Chemung Financial Corporation is a $2.9 billion financial services holding company headquartered in Elmira, New York and operates 30 retail offices through its principal subsidiary, Chemung Canal Trust Company, a full service community bank with trust powers. Established in 1833, Chemung Canal Trust Company is the oldest locally-owned and managed community bank in New York State. Chemung Financial Corporation is also the parent of CFS Group, Inc., a financial services subsidiary offering non-traditional services including mutual funds, annuities, brokerage services, tax preparation services, and insurance.

This press release may be found at: www.chemungcanal.com under Investor Relations.

Forward-Looking Statements
This press release may contain forward-looking statements within the meaning of Section 27A of the Securities Act, Section 21E of the Securities Exchange Act, and the Private Securities Litigation Reform Act of 1995. The Corporation intends its forward-looking statements to be covered by the safe harbor provisions for forward-looking statements in this press release. All statements regarding the Corporation’s expected financial position and operating results, the Corporation’s business strategy, the Corporation’s financial plans, forecasted demographic and economic trends relating to the Corporation’s industry and similar matters are forward-looking statements. These statements can sometimes be identified by the Corporation’s use of forward-looking words such as “may,” “will,” “anticipate,” “estimate,” “expect,” or “intend.” The Corporation cannot guarantee that its expectations in such forward-looking statements will turn out to be correct. The Corporation’s actual results could be materially different from expectations because of various factors, including changes in economic conditions or interest rates, credit risk, inflation, tariffs, cybersecurity risks, changes in FDIC assessments, bank failures, difficulties in managing the Corporation’s growth, competition, changes in law or the regulatory environment, and changes in general business and economic trends.

Information concerning these and other factors, including Risk Factors, can be found in the Corporation’s periodic filings with the Securities and Exchange Commission (“SEC”), including the 2024 Annual Report on Form 10-K. These filings are available publicly on the SEC’s website at http://www.sec.gov, on the Corporation’s website at http://www.chemungcanal.com or upon request from the Corporate Secretary at (607) 737-3746. Except as otherwise required by law, the Corporation undertakes no obligation to publicly update or revise its forward-looking statements, whether as a result of new information, future events, or otherwise.


Chemung Financial Corporation
Consolidated Balance Sheets (Unaudited)
	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,
(in thousands)	2025			2025			2024			2024			2024
ASSETS
Cash and due from financial institutions	$	35,825		$	32,087		$	26,224		$	36,247		$	23,184
Interest-earning deposits in other financial institutions		284,226			21,348			20,811			44,193			47,033
Total cash and cash equivalents		320,051			53,435			47,035			80,440			70,217

Equity investments		3,387			3,249			3,235			3,244			3,090

Securities available for sale		287,335			528,327			531,442			554,575			550,927
Securities held to maturity		680			808			808			657			657
FHLB and FRB stock, at cost		6,826			8,040			9,117			4,189			5,506
Total investment securities		294,841			537,175			541,367			559,421			557,090

Commercial		1,591,999			1,555,988			1,516,525			1,464,205			1,445,258
Residential mortgage		278,221			275,448			274,979			274,099			271,620
Consumer		262,194			266,200			279,915			290,650			294,594
Loans, net of deferred loan fees		2,132,414			2,097,636			2,071,419			2,028,954			2,011,472
Allowance for credit losses		(22,665	)		(22,522	)		(21,388	)		(21,441	)		(21,031	)
Loans, net		2,109,749			2,075,114			2,050,031			2,007,513			1,990,441

Loans held for sale		2,212			284			—			—			381
Premises and equipment, net		15,438			16,222			16,375			14,915			14,731
Operating lease right-of-use assets		5,139			5,332			5,446			5,637			5,827
Goodwill		21,824			21,824			21,824			21,824			21,824
Accrued interest receivable and other assets		79,847			84,090			90,834			81,221			92,212
Total assets	$	2,852,488		$	2,796,725		$	2,776,147		$	2,774,215		$	2,755,813

LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Non interest-bearing demand deposits	$	624,389		$	619,645		$	625,762		$	616,126		$	619,192
Interest-bearing demand deposits		348,169			339,790			306,536			349,383			328,370
Money market deposits		639,706			625,505			595,123			630,870			613,131
Savings deposits		238,228			249,541			245,550			242,911			248,528
Time deposits		618,470			598,915			623,912			611,831			606,700
Total deposits		2,468,962			2,433,396			2,396,883			2,451,121			2,415,921

Advances and other debt		58,616			88,701			112,889			53,757			83,835
Subordinated debt, net of deferred issuance costs		44,146			—			—			—			—
Operating lease liabilities		5,319			5,516			5,629			5,820			6,009
Accrued interest payable and other liabilities		40,479			40,806			45,437			42,863			48,826
Total liabilities		2,617,522			2,568,419			2,560,838			2,553,561			2,554,591

Shareholders’ equity
Common stock		53			53			53			53			53
Additional paid-in capital		48,502			48,157			48,783			48,457			48,102
Retained earnings		244,211			252,195			247,705			243,266			239,021
Treasury stock, at cost		(15,095	)		(15,180	)		(16,167	)		(15,987	)		(16,043	)
Accumulated other comprehensive loss		(42,705	)		(56,919	)		(65,065	)		(55,135	)		(69,911	)
Total shareholders’ equity		234,966			228,306			215,309			220,654			201,222
Total liabilities and shareholders’ equity	$	2,852,488		$	2,796,725		$	2,776,147		$	2,774,215		$	2,755,813

Period-end shares outstanding		4,810			4,807			4,771			4,774			4,772

Chemung Financial Corporation
Consolidated Statements of Income (Unaudited)
	Three Months Ended June 30,						Percent			Six Months Ended June 30,						Percent
(in thousands, except per share data)	2025			2024			Change			2025			2024			Change
Interest and dividend income:
Loans, including fees	$	29,435		$	27,514			7.0		$	57,534		$	54,712			5.2
Taxable securities		2,530			3,251			(22.2	)		5,553			6,808			(18.4	)
Tax exempt securities		214			254			(15.7	)		465			512			(9.2	)
Interest-earning deposits		855			367			133.0			1,180			573			105.9
Total interest and dividend income		33,034			31,386			5.3			64,732			62,605			3.4

Interest expense:
Deposits		11,076			12,711			(12.9	)		22,232			24,856			(10.6	)
Borrowed funds		1,150			914			25.8			1,875			1,899			(1.3	)
Total interest expense		12,226			13,625			(10.3	)		24,107			26,755			(9.9	)

Net interest income		20,808			17,761			17.2			40,625			35,850			13.3
Provision (credit) for credit losses		1,145			879			30.3			2,237			(1,161	)		292.7
Net interest income after provision for credit losses		19,663			16,882			16.5			38,388			37,011			3.7

Non-interest income:
Wealth management group fee income		2,993			2,860			4.7			5,860			5,563			5.3
Service charges on deposit accounts		1,114			964			15.6			2,234			1,913			16.8
Interchange revenue from debit card transactions		1,110			1,141			(2.7	)		2,147			2,204			(2.6	)
Net gains (losses) on securities transactions		(17,498	)		—			N/M			(17,498	)		—			N/M
Change in fair value of equity investments		108			14			N/M			61			115			(47.0	)
Net gains on sales of loans held for sale		51			39			30.8			91			71			28.2
Net gains (losses) on sales of other real estate owned		3			(3	)		200.0			(8	)		(3	)		(166.7	)
Income from bank owned life insurance		8			10			(20.0	)		16			19			(15.8	)
Other		1,406			573			145.4			2,281			1,373			66.1
Total non-interest income		(10,705	)		5,598			(291.2	)		(4,816	)		11,255			(142.8	)

Non-interest expense:
Salaries and wages		7,579			6,823			11.1			14,788			13,839			6.9
Pension and other employee benefits		2,112			2,078			1.6			4,034			4,160			(3.0	)
Other components of net periodic pension and postretirement benefits		(113	)		(232	)		51.3			(226	)		(464	)		51.3
Net occupancy		1,431			1,445			(1.0	)		2,964			2,938			0.9
Furniture and equipment		455			397			14.6			828			795			4.2
Data processing		2,563			2,297			11.6			5,097			4,870			4.7
Professional services		805			558			44.3			1,443			1,117			29.2
Marketing and advertising		351			388			(9.5	)		690			733			(5.9	)
Other real estate owned expense		3			12			(75.0	)		14			61			(77.0	)
FDIC insurance		434			516			(15.9	)		873			1,093			(20.1	)
Loan expense		296			200			48.0			574			455			26.2
Other		1,853			1,737			6.7			3,617			3,320			8.9
Total non-interest expense		17,769			16,219			9.6			34,696			32,917			5.4

Income before income tax expense		(8,811	)		6,261			(240.7	)		(1,124	)		15,349			(107.3	)
Income tax expense		(2,359	)		1,274			(285.2	)		(695	)		3,312			(121.0	)
Net income	$	(6,452	)	$	4,987			(229.4	)	$	(429	)	$	12,037			(103.6	)

Basic and diluted earnings per share	$	(1.35	)	$	1.05					$	(0.09	)	$	2.53
Cash dividends declared per share	$	0.32		$	0.31					$	0.64		$	0.62
Average basic and diluted shares outstanding		4,808			4,770						4,798			4,767


N/M – Not Meaningful

Chemung Financial Corporation	As of or for the Three Months Ended															As of or for the Six Months Ended
Consolidated Financial Highlights (Unaudited)	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,			June 30,			June 30,
(in thousands, except per share data)	2025			2025			2024			2024			2024			2025			2024
RESULTS OF OPERATIONS
Interest income	$	33,034		$	31,698		$	32,597		$	32,362		$	31,386		$	64,732		$	62,605
Interest expense		12,226			11,881			12,776			13,974			13,625			24,107			26,755
Net interest income		20,808			19,817			19,821			18,388			17,761			40,625			35,850
Provision (credit) for credit losses		1,145			1,092			551			564			879			2,237			(1,161	)
Net interest income after provision for credit losses		19,663			18,725			19,270			17,824			16,882			38,388			37,011
Non-interest income		(10,705	)		5,889			6,056			5,919			5,598			(4,816	)		11,255
Non-interest expense		17,769			16,927			17,823			16,510			16,219			34,696			32,917
Income before income tax expense		(8,811	)		7,687			7,503			7,233			6,261			(1,124	)		15,349
Income tax expense		(2,359	)		1,664			1,589			1,513			1,274			(695	)		3,312
Net income	$	(6,452	)	$	6,023		$	5,914		$	5,720		$	4,987		$	(429	)	$	12,037

Basic and diluted earnings per share	$	(1.35	)	$	1.26		$	1.24		$	1.19		$	1.05		$	(0.09	)	$	2.53
Average basic and diluted shares outstanding		4,808			4,791			4,774			4,773			4,770			4,798			4,767
PERFORMANCE RATIOS
Return on average assets		(0.92	%)		0.88	%		0.85	%		0.83	%		0.73	%		(0.03	%)		0.89	%
Return on average equity		(11.29	%)		10.96	%		10.73	%		10.81	%		10.27	%		(0.38	%)		12.37	%
Return on average tangible equity (a)		(12.48	%)		12.15	%		11.92	%		12.07	%		11.56	%		(0.42	%)		13.93	%
Efficiency ratio (unadjusted) (e)		175.88	%		65.85	%		68.88	%		67.92	%		69.43	%		96.89	%		69.88	%
Efficiency ratio (adjusted) (a)		65.69	%		65.64	%		68.64	%		67.69	%		69.19	%		65.67	%		69.64	%
Non-interest expense to average assets		2.54	%		2.47	%		2.57	%		2.39	%		2.38	%		2.50	%		2.42	%
Loans to deposits		86.37	%		86.20	%		86.42	%		82.78	%		83.26	%		86.37	%		83.26	%
YIELDS / RATES – Fully Taxable Equivalent
Yield on loans		5.61	%		5.49	%		5.61	%		5.65	%		5.52	%		5.55	%		5.51	%
Yield on investments		2.27	%		2.26	%		2.29	%		2.21	%		2.27	%		2.26	%		2.31	%
Yield on interest-earning assets		4.83	%		4.72	%		4.79	%		4.78	%		4.69	%		4.78	%		4.69	%
Cost of interest-bearing deposits		2.45	%		2.48	%		2.67	%		2.88	%		2.86	%		2.47	%		2.80	%
Cost of borrowings		4.90	%		4.54	%		4.74	%		5.08	%		5.04	%		4.76	%		5.10	%
Cost of interest-bearing liabilities		2.57	%		2.55	%		2.73	%		2.97	%		2.94	%		2.56	%		2.90	%
Cost of funds		1.94	%		1.92	%		2.04	%		2.24	%		2.20	%		1.93	%		2.16	%
Interest rate spread		2.26	%		2.17	%		2.06	%		1.81	%		1.75	%		2.22	%		1.79	%
Net interest margin, fully taxable equivalent		3.05	%		2.96	%		2.92	%		2.72	%		2.66	%		3.00	%		2.69	%
CAPITAL
Total equity to total assets at end of period		8.24	%		8.16	%		7.76	%		7.95	%		7.30	%		8.24	%		7.30	%
Tangible equity to tangible assets at end of period (a)		7.53	%		7.44	%		7.02	%		7.22	%		6.56	%		7.53	%		6.56	%
Book value per share	$	48.85		$	47.49		$	45.13		$	46.22		$	42.17		$	48.85		$	42.17
Tangible book value per share (a)		44.31			42.95			40.55			41.65			37.59			44.31			37.59
Period-end market value per share		48.47			47.57			48.81			48.02			48.00			48.47			48.00
Dividends declared per share		0.32			0.32			0.31			0.31			0.31			0.64			0.62
AVERAGE BALANCES
Loans and loans held for sale (b)	$	2,108,557		$	2,077,739		$	2,046,270		$	2,020,280		$	2,009,823		$	2,093,233		$	1,999,504
Interest-earning assets		2,749,856			2,729,661			2,711,995			2,699,968			2,699,402			2,739,813			2,690,230
Total assets		2,802,226			2,784,414			2,761,875			2,751,392			2,740,967			2,793,369			2,732,679
Deposits		2,432,713			2,445,597			2,446,662			2,410,735			2,419,169			2,439,119			2,410,692
Total equity		229,161			222,802			219,254			210,421			195,375			225,999			195,618
Tangible equity (a)		207,337			200,978			197,430			188,597			173,551			204,175			173,794
ASSET QUALITY
Net charge-offs	$	992		$	262		$	594		$	78		$	306		$	1,254		$	488
Non-performing loans (c)		8,237			9,881			8,954			10,545			8,195			8,237			8,195
Non-performing assets (d)		8,447			10,282			9,606			11,134			8,872			8,447			8,872
Allowance for credit losses		22,665			22,522			21,388			21,441			21,031			22,665			21,031
Annualized net charge-offs to average loans		0.19	%		0.05	%		0.12	%		0.02	%		0.06	%		0.12	%		0.05	%
Non-performing loans to total loans		0.39	%		0.47	%		0.43	%		0.52	%		0.41	%		0.39	%		0.41	%
Non-performing assets to total assets		0.30	%		0.37	%		0.35	%		0.40	%		0.32	%		0.30	%		0.32	%
Allowance for credit losses to total loans		1.06	%		1.07	%		1.03	%		1.06	%		1.05	%		1.06	%		1.05	%
Allowance for credit losses to non-performing loans		275.16	%		227.93	%		238.87	%		203.33	%		256.63	%		275.16	%		256.63	%

(a) See the GAAP to Non-GAAP reconciliations.
(b) Loans and loans held for sale do not reflect the allowance for credit losses.
(c) Non-performing loans include nonaccrual loans only.
(d) Non-performing assets include non-performing loans plus other real estate owned and repossessed vehicles.
(e) Efficiency ratio (unadjusted) is non-interest expense divided by the total of net interest income plus non-interest income.

Chemung Financial Corporation
Average Consolidated Balance Sheets & Net Interest Income Analysis and Rate/Volume Analysis of Net Interest Income (Unaudited)

	Three Months Ended June 30, 2025									Three Months Ended June 30, 2024									Three Months Ended June 30, 2025 vs. 2024
(in thousands)	Average Balance			Interest			Yield / Rate			Average Balance			Interest			Yield / Rate			Total Change			Due to Volume			Due to Rate

Interest-earning assets:
Commercial loans	$	1,568,239		$	22,909			5.86	%	$	1,439,085		$	21,005			5.87	%	$	1,904		$	1,939		$	(35	)
Residential mortgage loans		276,391			2,847			4.13	%		273,482			2,569			3.76	%		278			27			251
Consumer loans		263,927			3,727			5.66	%		297,256			3,996			5.41	%		(269	)		(453	)		184
Taxable securities		533,573			2,533			1.90	%		620,201			3,254			2.11	%		(721	)		(421	)		(300	)
Tax-exempt securities		31,967			239			3.00	%		39,567			276			2.81	%		(37	)		(55	)		18
Interest-earning deposits		75,759			855			4.53	%		29,811			367			4.95	%		488			521			(33	)
Total interest-earning assets		2,749,856			33,110			4.83	%		2,699,402			31,467			4.69	%		1,643			1,558			85

Non interest-earning assets:
Cash and due from banks		25,005									25,054
Other assets		49,911									37,120
Allowance for credit losses		(22,546	)								(20,609	)
Total assets	$	2,802,226								$	2,740,967

Interest-bearing liabilities:
Interest-bearing checking	$	334,957		$	1,297			1.55	%	$	305,620		$	1,391			1.83	%	$	(94	)	$	128		$	(222	)
Savings and money market		867,723			4,237			1.96	%		854,456			4,317			2.03	%		(80	)		68			(148	)
Time deposits		519,181			4,536			3.50	%		529,063			5,643			4.29	%		(1,107	)		(102	)		(1,005	)
Brokered deposits		92,826			1,006			4.35	%		101,182			1,360			5.41	%		(354	)		(105	)		(249	)
FHLBNY overnight advances		4,381			50			4.58	%		10,824			151			5.52	%		(101	)		(79	)		(22	)
Term advances and other debt		79,413			893			4.51	%		61,809			763			4.96	%		130			204			(74	)
Subordinated debt		10,254			207			8.10	%		—			—		N/A				207			207			—
Total interest-bearing liabilities		1,908,735			12,226			2.57	%		1,862,954			13,625			2.94	%		(1,399	)		321			(1,720	)

Non interest-bearing liabilities:
Demand deposits		618,026									628,848
Other liabilities		46,304									53,790
Total liabilities		2,573,065									2,545,592
Shareholders’ equity		229,161									195,375
Total liabilities and shareholders’ equity	$	2,802,226								$	2,740,967

Fully taxable equivalent net interest income					20,884									17,842					$	3,042		$	1,237		$	1,805
Net interest rate spread (1)								2.26	%								1.75	%
Net interest margin, fully taxable equivalent (2)								3.05	%								2.66	%
Taxable equivalent adjustment					(76	)								(81	)
Net interest income				$	20,808								$	17,761

(1) Net interest rate spread is the difference in the average yield on interest-earning assets less the average rate on interest-bearing liabilities.
(2) Net interest margin is the ratio of fully taxable equivalent net interest income divided by average interest-earning assets.

Chemung Financial Corporation
Average Consolidated Balance Sheets & Net Interest Income Analysis and Rate/Volume Analysis of Net Interest Income (Unaudited)

	Six Months Ended June 30, 2025									Six Months Ended June 30, 2024									Six Months Ended June 30, 2025 vs. 2024
	Average Balance			Interest			Yield / Rate			Average Balance			Interest			Yield / Rate			Total Change			Due to Volume			Due to Rate
(in thousands)
Interest-earning assets:
Commercial loans	$	1,548,741		$	44,605			5.81	%	$	1,423,018		$	41,647			5.89	%	$	2,958		$	3,543		$	(585	)
Residential mortgage loans		275,960			5,548			4.05	%		275,571			5,166			3.75	%		382			6			376
Consumer loans		268,532			7,478			5.62	%		300,915			8,012			5.35	%		(534	)		(912	)		378
Taxable securities		558,952			5,559			2.01	%		626,747			6,814			2.19	%		(1,255	)		(713	)		(542	)
Tax-exempt securities		34,846			518			3.00	%		39,916			558			2.81	%		(40	)		(76	)		36
Interest-earning deposits		52,782			1,180			4.51	%		24,063			573			4.79	%		607			642			(35	)
Total interest-earning assets		2,739,813			64,888			4.78	%		2,690,230			62,770			4.69	%		2,118			2,490			(372	)

Non interest-earning assets:
Cash and due from banks		25,527									25,154
Other assets		50,083									38,893
Allowance for credit losses		(22,054	)								(21,598	)
Total assets	$	2,793,369								$	2,732,679

Interest-bearing liabilities:
Interest-bearing checking	$	335,556		$	2,601			1.56	%	$	306,758		$	2,725			1.79	%	$	(124	)	$	243		$	(367	)
Savings and money market		863,354			8,103			1.89	%		859,785			8,583			2.01	%		(480	)		36			(516	)
Time deposits		517,045			9,239			3.60	%		505,512			10,547			4.20	%		(1,308	)		234			(1,542	)
Brokered deposits		102,777			2,289			4.49	%		111,295			3,001			5.42	%		(712	)		(220	)		(492	)
FHLBNY overnight advances		12,535			285			4.58	%		22,849			639			5.53	%		(354	)		(256	)		(98	)
Term advances and other debt		61,780			1,383			4.51	%		51,638			1,260			4.91	%		123			231			(108	)
Subordinated debt		5,155			207			8.10	%		—			—		N/A				207			207			—
Total interest-bearing liabilities		1,898,202			24,107			2.56	%		1,857,837			26,755			2.90	%		(2,648	)		475			(3,123	)

Non interest-bearing liabilities:
Demand deposits		620,387									627,342
Other liabilities		48,781									51,882
Total liabilities		2,567,370									2,537,061
Shareholders’ equity		225,999									195,618
Total liabilities and shareholders’ equity	$	2,793,369								$	2,732,679

Fully taxable equivalent net interest income					40,781									36,015					$	4,766		$	2,015		$	2,751
Net interest rate spread (1)								2.22	%								1.79	%
Net interest margin, fully taxable equivalent (2)								3.00	%								2.69	%
Taxable equivalent adjustment					(156	)								(165	)
Net interest income				$	40,625								$	35,850

(1) Net interest rate spread is the difference in the average yield on interest-earning assets less the average rate on interest-bearing liabilities.
(2) Net interest margin is the ratio of fully taxable equivalent net interest income divided by average interest-earning assets.

Chemung Financial Corporation
Average Consolidated Balance Sheets & Net Interest Income Analysis and Rate/Volume Analysis of Net Interest Income (Unaudited)

	Three Months Ended June 30, 2025									Three Months Ended March 31, 2025									Three Months Ended June 30, 2025 vs. March 31, 2025
	Average Balance			Interest			Yield / Rate			Average Balance			Interest			Yield / Rate			Total Change			Due to Volume			Due to Rate
(in thousands)
Interest-earning assets:
Commercial loans	$	1,568,239		$	22,909			5.86	%	$	1,529,028		$	21,696			5.75	%	$	1,213		$	695		$	518
Residential mortgage loans		276,391			2,847			4.13	%		275,524			2,701			3.98	%		146			12			134
Consumer loans		263,927			3,727			5.66	%		273,187			3,751			5.57	%		(24	)		(99	)		75
Taxable securities		533,573			2,533			1.90	%		584,614			3,026			2.10	%		(493	)		(235	)		(258	)
Tax-exempt securities		31,967			239			3.00	%		37,758			279			3.00	%		(40	)		(40	)		—
Interest-earning deposits		75,759			855			4.53	%		29,550			325			4.46	%		530			525			5
Total interest-earning assets		2,749,856			33,110			4.83	%		2,729,661			31,778			4.72	%		1,332			858			474

Non interest-earning assets:
Cash and due from banks		25,005									26,055
Other assets		49,911									50,256
Allowance for credit losses		(22,546	)								(21,558	)
Total assets	$	2,802,226								$	2,784,414

Interest-bearing liabilities:
Interest-bearing checking	$	334,957		$	1,297			1.55	%	$	336,162		$	1,303			1.57	%	$	(6	)	$	(1	)	$	(5	)
Savings and money market		867,723			4,237			1.96	%		858,937			3,866			1.83	%		371			47			324
Time deposits		519,181			4,536			3.50	%		514,884			4,704			3.71	%		(168	)		48			(216	)
Brokered deposits		92,826			1,006			4.35	%		112,840			1,283			4.61	%		(277	)		(210	)		(67	)
FHLBNY overnight advances		4,381			50			4.58	%		20,781			236			4.61	%		(186	)		(184	)		(2	)
Term advances and other debt		79,413			893			4.51	%		43,950			489			4.51	%		404			404			—
Subordinated debt		10,254			207			8.10	%		—			—		N/A				207			207			—
Total interest-bearing liabilities		1,908,735			12,226			2.57	%		1,887,554			11,881			2.55	%		345			311			34

Non interest-bearing liabilities:
Demand deposits		618,026									622,774
Other liabilities		46,304									51,284
Total liabilities		2,573,065									2,561,612
Shareholders’ equity		229,161									222,802
Total liabilities and shareholders’ equity	$	2,802,226								$	2,784,414

Fully taxable equivalent net interest income					20,884									19,897					$	987		$	547		$	440
Net interest rate spread (1)								2.26	%								2.17	%
Net interest margin, fully taxable equivalent (2)								3.05	%								2.96	%
Taxable equivalent adjustment					(76	)								(80	)
Net interest income				$	20,808								$	19,817

(1) Net interest rate spread is the difference in the average yield on interest-earning assets less the average rate on interest-bearing liabilities.
(2) Net interest margin is the ratio of fully taxable equivalent net interest income divided by average interest-earning assets.

Chemung Financial Corporation

GAAP to Non-GAAP Reconciliations (Unaudited)

The Corporation prepares its Consolidated Financial Statements in accordance with GAAP. See the Corporation’s unaudited consolidated balance sheets and statements of income contained within this press release. That presentation provides the reader with an understanding of the Corporation’s results that can be tracked consistently from period-to-period and enables a comparison of the Corporation’s performance with other companies’ GAAP financial statements.

In addition to analyzing the Corporation’s results on a reported basis, management uses certain non-GAAP financial measures, because it believes these non-GAAP financial measures provide information to investors about the underlying operational performance and trends of the Corporation and, therefore, facilitate a comparison of the Corporation with the performance of other companies. Non-GAAP financial measures used by the Corporation may not be comparable to similarly named non-GAAP financial measures used by other companies.

The SEC has adopted Regulation G, which applies to all public disclosures, including earnings releases, made by registered companies that contain “non-GAAP financial measures.” Under Regulation G, companies making public disclosures containing non-GAAP financial measures must also disclose, along with each non-GAAP financial measure, certain additional information, including a reconciliation of the non-GAAP financial measure to the closest comparable GAAP financial measure and a statement of the Corporation’s reasons for utilizing the non-GAAP financial measure as part of its financial disclosures. The SEC has exempted from the definition of “non-GAAP financial measures” certain commonly used financial measures that are not based on GAAP. When these exempted measures are included in public disclosures, supplemental information is not required. The following measures used in this Report, which are commonly utilized by financial institutions, have not been specifically exempted by the SEC and may constitute “non-GAAP financial measures” within the meaning of the SEC’s rules, although we are unable to state with certainty that the SEC would so regard them.

Fully Taxable Equivalent Net Interest Income and Net Interest Margin

Net interest income is commonly presented on a tax-equivalent basis. That is, to the extent that some component of the institution’s net interest income, which is presented on a before-tax basis, is exempt from taxation (e.g., is received by the institution as a result of its holdings of state or municipal obligations), an amount equal to the tax benefit derived from that component is added to the actual before-tax net interest income total. This adjustment is considered helpful in comparing one financial institution’s net interest income to that of other institutions or in analyzing any institution’s net interest income trend line over time, to correct any analytical distortion that might otherwise arise from the fact that financial institutions vary widely in the proportions of their portfolios that are invested in tax-exempt securities, and that even a single institution may significantly alter over time the proportion of its own portfolio that is invested in tax-exempt obligations. Moreover, net interest income is itself a component of a second financial measure commonly used by financial institutions, net interest margin, which is the ratio of net interest income to average interest-earning assets. For purposes of this measure as well, fully taxable equivalent net interest income is generally used by financial institutions, as opposed to actual net interest income, again to provide a better basis of comparison from institution to institution and to better demonstrate a single institution’s performance over time. The Corporation follows these practices.

																As of or for the
	As of or for the Three Months Ended															Six Months Ended
	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,			June 30,			June 30,
(in thousands, except ratio data)	2025			2025			2024			2024			2024			2025			2024
NET INTEREST MARGIN – FULLY TAXABLE EQUIVALENT
Net interest income (GAAP)	$20,808			$19,817			$19,821			$18,388			$17,761			$40,625			$35,850
Fully taxable equivalent adjustment		76			80			88			83			81			156			165
Fully taxable equivalent net interest income (non-GAAP)	$20,884			$19,897			$19,909			$18,471			$17,842			$40,781			$36,015

Average interest-earning assets (GAAP)	$2,749,856			$2,729,661			$2,711,995			$2,699,968			$2,699,402			$2,739,813			$2,690,230

Net interest margin – fully taxable equivalent (non-GAAP)		3.05	%		2.96	%		2.92	%		2.72	%		2.66	%		3.00	%		2.69	%

Efficiency Ratio

The unadjusted efficiency ratio is calculated as non-interest expense divided by total revenue (net interest income and non-interest income). The adjusted efficiency ratio is a non-GAAP financial measure which represents the Corporation’s ability to turn resources into revenue and is calculated as non-interest expense divided by total revenue (fully taxable equivalent net interest income and non-interest income), adjusted for one-time occurrences and amortization. This measure is meaningful to the Corporation, as well as investors and analysts, in assessing the Corporation’s productivity measured by the amount of revenue generated for each dollar spent.

																As of or for the
	As of or for the Three Months Ended															Six Months Ended
	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,			June 30,			June 30,
(in thousands, except ratio data)	2025			2025			2024			2024			2024			2025			2024
EFFICIENCY RATIO
Net interest income (GAAP)	$20,808			$19,817			$19,821			$18,388			$17,761			$40,625			$35,850
Fully taxable equivalent adjustment		76			80			88			83			81			156			165
Fully taxable equivalent net interest income (non-GAAP)	$20,884			$19,897			$19,909			$18,471			$17,842			$40,781			$36,015

Non-interest income (GAAP)	$(10,705		)	$5,889			$6,056			$5,919			$5,598			$(4,816		)	$11,255
Less: net (gains) losses on security transactions		17,498			—			—			—			—			17,498			—
Less: (gain) loss on sale of branch property (net of tax)		(629	)		—			—			—			—			(629	)		—
Adjusted non-interest income (non-GAAP)	$6,164			$5,889			$6,056			$5,919			$5,598			$12,053			$11,255

Non-interest expense (GAAP)	$17,769			$16,927			$17,823			$16,510			$16,219			$34,696			$32,917

Efficiency ratio (unadjusted)		175.88	%		65.85	%		68.88	%		67.92	%		69.43	%		96.89	%		69.88	%
Efficiency ratio (adjusted)		65.69	%		65.64	%		68.64	%		67.69	%		69.19	%		65.67	%		69.64	%

Tangible Equity and Tangible Assets (Period-End)

Tangible equity, tangible assets, and tangible book value per share are each non-GAAP financial measures. Tangible equity represents the Corporation’s stockholders’ equity, less goodwill and intangible assets. Tangible assets represents the Corporation’s total assets, less goodwill and other intangible assets. Tangible book value per share represents the Corporation’s tangible equity divided by common shares at period-end. These measures are meaningful to the Corporation, as well as investors and analysts, in assessing the Corporation’s use of equity.

																As of or for the
	As of or for the Three Months Ended															Six Months Ended
	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,			June 30,			June 30,
(in thousands, except per share and ratio data)	2025			2025			2024			2024			2024			2025			2024
TANGIBLE EQUITY AND TANGIBLE ASSETS
(PERIOD END)
Total shareholders’ equity (GAAP)	$	234,966		$	228,306		$	215,309		$	220,654		$	201,222		$	234,966		$	201,222
Less: intangible assets		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)
Tangible equity (non-GAAP)	$	213,142		$	206,482		$	193,485		$	198,830		$	179,398		$	213,142		$	179,398

Total assets (GAAP)	$	2,852,488		$	2,796,725		$	2,776,147		$	2,774,215		$	2,755,813		$	2,852,488		$	2,755,813
Less: intangible assets		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)
Tangible assets (non-GAAP)	$	2,830,664		$	2,774,901		$	2,754,323		$	2,752,391		$	2,733,989		$	2,830,664		$	2,733,989

Total equity to total assets at end of period (GAAP)		8.24	%		8.16	%		7.76	%		7.95	%		7.30	%		8.24	%		7.30	%
Book value per share (GAAP)	$	48.85		$	47.49		$	45.13		$	46.22		$	42.17		$	48.85		$	42.17

Tangible equity to tangible assets at end of period (non-GAAP)		7.53	%		7.44	%		7.02	%		7.22	%		6.56	%		7.53	%		6.56	%
Tangible book value per share (non-GAAP)	$	44.31		$	42.95		$	40.55		$	41.65		$	37.59		$	44.31		$	37.59

Tangible Equity (Average)

Average tangible equity and return on average tangible equity are each non-GAAP financial measures. Average tangible equity represents the Corporation’s average stockholders’ equity, less average goodwill and intangible assets for the period. Return on average tangible equity measures the Corporation’s earnings as a percentage of average tangible equity. These measures are meaningful to the Corporation, as well as investors and analysts, in assessing the Corporation’s use of equity.

																As of or for the
	As of or for the Three Months Ended															Six Months Ended
	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,			June 30,			June 30,
(in thousands, except ratio data)	2025			2025			2024			2024			2024			2025			2024
TANGIBLE EQUITY (AVERAGE)
Total average shareholders’ equity (GAAP)	$	229,161		$	222,802		$	219,254		$	210,421		$	195,375		$	225,999		$	195,618
Less: average intangible assets		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)		(21,824	)
Average tangible equity (non-GAAP)	$	207,337		$	200,978		$	197,430		$	188,597		$	173,551		$	204,175		$	173,794

Return on average equity (GAAP)		(11.29	%)		10.96	%		10.73	%		10.81	%		10.27	%		(0.38	%)		12.37	%
Return on average tangible equity (non-GAAP)		(12.48	%)		12.15	%		11.92	%		12.07	%		11.56	%		(0.42	%)		13.93	%

Adjustments for Certain Items of Income or Expense

In addition to disclosures of certain GAAP financial measures, including net income, EPS, ROA, and ROE, we may also provide comparative disclosures that adjust these GAAP financial measures for a particular period by removing from the calculation thereof the impact of certain transactions or other material items of income or expense occurring during the period, including certain nonrecurring items. The Corporation believes that the resulting non-GAAP financial measures may improve an understanding of its results of operations by separating out any such transactions or items that may have had a disproportionate positive or negative impact on the Corporation’s financial results during the particular period in question. In the Corporation’s presentation of any such non-GAAP (adjusted) financial measures not specifically discussed in the preceding paragraphs, the Corporation supplies the supplemental financial information and explanations required under Regulation G.

																As of or for the
	As of or for the Three Months Ended															Six Months Ended
	June 30,			March 31,			Dec. 31,			Sept. 30,			June 30,			June 30,			June 30,
(in thousands, except per share and ratio data)	2025			2025			2024			2024			2024			2025			2024
NON-GAAP NET INCOME
Reported net income (GAAP)	$	(6,452	)	$	6,023		$	5,914		$	5,720		$	4,987		$	(429	)	$	12,037
Net (gains) losses on security transactions (net of tax)		13,237			—			—			—			—			13,237			—
Net (gain) loss on sale of branch property (net of tax)		(463	)		—			—			—			—			(463	)		—
Net income (non-GAAP)	$	6,322		$	6,023		$	5,914		$	5,720		$	4,987		$	12,345		$	12,037

Average basic and diluted shares outstanding		4,808			4,791			4,774			4,773			4,770			4,798			4,767

Reported basic and diluted earnings per share (GAAP)	$	(1.35	)	$	1.26		$	1.24		$	1.19		$	1.05		$	(0.09	)	$	2.53
Reported return on average assets (GAAP)		(0.92	%)		0.88	%		0.85	%		0.83	%		0.73	%		(0.03	%)		0.89	%
Reported return on average equity (GAAP)		(11.29	%)		10.96	%		10.73	%		10.81	%		10.27	%		(0.38	%)		12.37	%

Basic and diluted earnings per share (non-GAAP)	$	1.31		$	1.26		$	1.24		$	1.19		$	1.05		$	2.57		$	2.53
Return on average assets (non-GAAP)		0.90	%		0.88	%		0.85	%		0.83	%		0.73	%		0.89	%		0.89	%
Return on average equity (non-GAAP)		11.07	%		10.96	%		10.73	%		10.81	%		10.27	%		11.02	%		12.37	%

For further information contact:
Dale M. McKim, III, EVP and CFO
dmckim@chemungcanal.com
Phone: 607-737-3714

Category: Financial

Source: Chemung Financial Corp

The MIL Network –

July 18, 2025

MIL-Evening Report: ‘Don’t tell me!’ Why some people love spoilers – and others will run a mile

Source: The Conversation (Au and NZ) – By Anjum Naweed, Professor of Human Factors, CQUniversity Australia

DreamBig/Shutterstock, The Conversation

This article contains spoilers!

I once leapt out of a train carriage because two strangers were loudly discussing the ending of the last Harry Potter book. Okay – I didn’t leap, but I did plug my ears and flee to another carriage.

Recently, I found myself in a similar predicament, trapped on a bus, entirely at the mercy of two passengers dissecting the Severance season two finale.

But not everyone shares my spoiler anxiety. I have friends who flip to the last page of a book before they’ve read the first one, or who look up the ending before hitting play. According to them, they simply need to know.

So why do some of us crave surprise and suspense, while others find comfort in instant resolution?

What’s in a spoiler?

Spoilers have become a cultural flashpoint in the age of streaming, social media and shared fandoms.

Researchers define “spoiler” as undesired information about how a narrative’s arc will conclude. I often hear “spoilers!” interjected mid-sentence, a desperate protest to protect narrative ignorance.

Hitchcock’s twist-heavy Psycho elevated spoiler sensitivity. Its release came with an anti-spoilers policy including strict viewing times, lobby warnings recorded by the auteur himself, and even real policemen urging “total enjoyment”. A bold ad campaign implored audiences against “cheating yourselves”.

The twists were fiercely protected.

Even the Star Wars cast didn’t know Darth Vader’s paternity twist until premiere night. Avenger’s Endgame filmed multiple endings and used fake scripting to mislead its stars. And Andrew Garfield flat-out lied about his return to Spider-Man: No Way Home – a performance worthy of an Oscar – all for the sake of fan surprise and enjoyment.

But do spoilers actually ruin the fun, or just shift how we experience it?

The satisfaction of a good ending

In 2014, a Dutch study found that viewers of unspoiled stories experienced greater emotional arousal and enjoyment. Spoilers may complete our “mental models” of the plot, making us less driven to engage, process events, or savour the unfolding story.

But we are also likely to overestimate the negative effect of a spoiler on our enjoyment. In 2016, a series of studies involving short stories, mystery fiction and films found that spoiled participants still reported high levels of enjoyment – because once we’re immersed, emotional connection tends to eclipse what we already know.

But suspense and enjoyment are complex bedfellows.

American media psychology trailblazer Dolf Zillmann said that suspense builds tension and excitement, but we only enjoy that tension once the ending lands well.

The thrill isn’t fun while we’re hanging in uncertainty – it’s the satisfying resolution that retroactively makes it feel good.

That could be why we scramble for an “ending explained” when a film or show drops the ball on closure. We’re trying to resolve uncertainty and settle our emotions.

Spoilers can also take the pressure off. A 2009 study of Lost fans found those who looked up how an episode would end actually enjoyed it more. The researchers found it reduced cognitive pressure, and gave them more room to reflect and soak in the story.

Spoilers put the audience back in the driver’s seat – even if filmmakers would rather keep hold of the wheel. People may seek spoilers out of curiosity or impatience, but sometimes it’s a quiet rebellion: a way to push back against the control creators hold over when and how things unfold.

That’s why spoilers are fertile ground for power dynamics. Ethicists even liken being spoiled to kind of moral trespass: how dare someone else make that decision for me?!

But whether you avoid spoilers or seek them out, the motive is often the same: a need to feel in control.

Shaping your emotions

Spoiler avoiders crave affect: they want emotional transportation.

When suspense is part of the pleasure, control means choosing when and how that knowledge lands. There’s a mental challenge to be had in riding the story as it unfolds, and a joy in seeing it click into place.

That’s why people get protective, and even chatter about long-aired shows can spark outrage. It’s an attempt to police the commentary and preserve the experience for those still waiting to be transported.

Spoiler seekers want control too, just a different kind. They’re not avoiding emotion, they’re just managing it. A spoiler affords control over our negative emotions, but also softens the blow, and inoculates us against anxiety.

Psychologists dub this a “non-cognitive desensitisation strategy” to manage surprise, a kind of “emotional spoiler shield” to protect our attachments to shows and characters, and remind us that TV, film and book narratives are not real when storylines hit close to home.

Knowing what happens turns into a subtle form of self-regulation.

So, what did I do when Severance spoilers floated by? Did I get off the bus? Nope, I stayed put and faced the beast. As I tried to make sense of the unfamiliar plot points (The macrodata means what? Mark stays where?), I found the unexpected chance to dive deeper.

Maybe surprise is not the sum of what makes something entertaining and worth engaging with. Spoiler alert! It’s good to have an end to journey towards, but it’s the journey that matters, in the end.

Anjum Naweed does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. ‘Don’t tell me!’ Why some people love spoilers – and others will run a mile – https://theconversation.com/dont-tell-me-why-some-people-love-spoilers-and-others-will-run-a-mile-256803

MIL OSI Analysis – EveningReport.nz –

July 18, 2025

MIL-OSI United Nations: Guterres deplores Israeli strike on Gaza church

Source: United Nations 2

Three people were killed and at least 10 others were injured in the bombing of the Holy Family Church in Gaza City, according to media reports.

Stephanie Tremblay, a spokesperson for the Secretary-General, noted that the church was both a place of worship and a sanctuary for civilians.

“Attacks on places of worship are unacceptable. People seeking shelter must be respected and protected, not hit by strikes,” she said during the daily media briefing from New York.

“Too many lives have already been lost,” she added, before stressing the urgent need for an immediate ceasefire and the immediate and unconditional release of all hostages.

Strikes continue amid widespread displacement

Meanwhile, Israeli strikes over the past 24 hours have hit sites hosting displaced Palestinians, some of whom were injured and killed.

The UN Office for the Coordination of Humanitarian Affairs (OCHA) reported that more than 11,500 people in Gaza were newly displaced between 8-15 July.

Overall, more than 737,000 people have been uprooted since the latest escalation of hostilities on 18 March, or roughly 35 per cent of the population

Furthermore, nearly everyone in Gaza has been displaced, in many cases multiple times, since the war began in October 2023.

Ms. Tremblay reminded journalists that most housing in Gaza is flattened or otherwise unhabitable and families are staying in the open because the UN has not been allowed to bring in tents and other shelter materials since early March.

Mediterranean swimming ban

She also highlighted a “worrying development” as humanitarians report that many displaced people are wary of bathing in the Mediterranean Sea after Israeli reinstated a ban prohibiting swimming and fishing.

“OCHA says that for many, the sea has been their only option to wash, as there is barely any functioning water infrastructure and almost no fuel to pump water, a much-needed outlet in the hot weather in Gaza,” she explained. 

More fuel needed

Humanitarians also continue to report that the amount of fuel Israel is allowing into Gaza is still nowhere enough to keep life-saving services operating and shutdowns are a real risk.

Ms. Tremblay mentioned “a small but important step” that occurred on Thursday, as the UN was finally allowed to bring in some benzene – used to power ambulances and other critical services – for the first time in more than 135 days.

“That’s in addition to the limited amounts of diesel allowed over the past week. But it’s not enough,” she said.

“We are calling for more fuel – both benzene and diesel – to come in regularly. And the ban on shelter materials needs to be lifted immediately. Lives depend on both.”

MIL OSI United Nations News –

July 18, 2025

MIL-OSI Canada: Prime Minister engages First Nations Rights Holders on the Building Canada Act

Source: Government of Canada – Prime Minister

Canada’s new government is ready to get our country building major projects again – and projects built in collaboration with Indigenous Peoples will be at the forefront of this work.

To that end, the Prime Minister, Mark Carney, convened the First Nations Major Projects Summit in Gatineau, Québec, to engage First Nations groups on the Building Canada Act and how to most effectively build major projects in partnership with Indigenous Peoples. Over 250 First Nations leaders, regional organizations, and other Rights Holders’ representatives attended the meeting in person and virtually to share their insights, ideas, and priorities.

The Prime Minister heard from First Nations and discussed how the Building Canada Act was designed to transform the Canadian economy and contribute to greater prosperity for Indigenous communities, through equity and resource management projects. To ensure that these major projects are built in partnership with Indigenous Peoples, the federal government is moving forward with several new measures, including:

Standing up an Indigenous Advisory Council that will closely work with the new Major Federal Projects Office. Comprised of First Nations, Inuit, Métis, as well as Modern Treaty and Self-Government representatives, the Advisory Council will help ensure Indigenous perspectives and priorities are integrated at each stage.
Dedicating $40 million in funding for Indigenous participation. From early discussions on which projects to include to ongoing governance and capacity-building, new funding streams will support meaningful participation of Indigenous leadership in nation-building projects.
Expanding the Indigenous Loan Guarantee Program. The government has doubled the program to $10 billion to help unlock capital for Indigenous communities to gain full equity ownership in major nation-building projects.

Collaboration will continue with First Nations leadership at all levels through regional dialogue tables. The Prime Minister will soon meet separately with the Inuit-Crown Partnership Committee and Métis leadership to further advance these conversations on a distinctions basis.

Quotes

“It’s time to build big projects that will transform and connect our economy. Central to this mission is shared leadership with Indigenous Peoples. Working in partnership, we can seize this opportunity and build lasting prosperity for generations.”

“This Summit marks a turning point. The One Canadian Economy Act is not just about inclusion – it’s about recognizing that prosperity comes when First Nations are full partners in shaping the future. Together, we are building an economy that reflects our shared values, our shared responsibilities, and our shared potential.”

“Today represents a historic opportunity. Together, we’re beginning the work of building a better future, one in which Indigenous economies and priorities are truly integrated into the national economy. By listening, engaging, and learning in the spirit of true partnership, we are taking the first steps toward that brighter, more equitable future.”

“The One Canadian Economy Act is designed to build Canada strong – building economic resilience here at home while ensuring that First Nations, and all Canadians, benefit. To achieve our objectives, we will – and must – look to advance the interests of Indigenous communities. That is the only path to shared success. The First Nations Major Projects Summit marks the first step in that process – setting the stage to create lasting economic opportunities for First Nations across Canada.”

“It’s time to build major energy and resource projects again in Canada to strengthen our economy and secure our sovereignty in the face of threats. A key part of how we will do this successfully is transforming how we think about First Nations partnership. First Nations are not just participants in our economy – they are the original stewards of this land, Rights Holders, governments, and builders. With meaningful collaboration as partners, they enable us to build better. It’s clear: if we are serious about retooling our economy, then reconciliation must be front and centre, not just at today’s Summit, but in perpetuity.”

Quick facts

Central to the Building Canada Act is Indigenous consultation, participation, equity, and partnership. The Act requires meaningful consultation on which projects are deemed in the national interest and on the conditions that projects will have to meet.
The Government of Canada will advance nation-building projects while respecting the rights of Indigenous Peoples recognized and affirmed by Section 35 of the Constitution Act, 1982, and the rights set out in the United Nations Declaration on the Rights of Indigenous Peoples, including the principle of free, prior, and informed consent.
The Canada Indigenous Loan Guarantee Corporation is responsible for managing the Indigenous Loan Guarantee Program. Loan guarantees are available to support Indigenous equity participation in projects of various sizes, reflecting the diversity of opportunities and economic development priorities in Indigenous communities across Canada.
By advancing national interest projects, the Government of Canada is committed to working in partnership with Indigenous Peoples to support economic prosperity, grounded in respect for constitutionally protected rights and modern treaty obligations.

MIL OSI Canada News –

July 18, 2025

MIL-OSI USA: LEADER JEFFRIES: “LIFE IS GETTING MORE EXPENSIVE”

Source: United States House of Representatives – Congressman Hakeem Jeffries (8th District of New York)

Today, House Democratic Leader Hakeem Jeffries held a press conference where he emphasized that Donald Trump and House Republicans are driving up costs while taking nutritional assistance and healthcare away from millions of Americans in order to reward billionaires.

LEADER JEFFRIES: Good afternoon, everyone. The American people desperately want an economy that is affordable for hardworking taxpayers. Donald Trump and House Republicans promised that costs would go down in the United States of America. Costs aren’t going down. They’re going up. They certainly have not gone down on day one, as Republicans promised the American people. Inflation is on the way up. Life is getting more expensive. And Donald Trump and House Republicans are driving the economy off of a cliff. Donald Trump and House Republicans have done nothing—nothing—not a single thing to make life more affordable for hardworking American taxpayers.

The One Big Ugly Law will do nothing to meaningfully address the cost of living crisis that we have in this country. In fact, the One Big Ugly Law will make life more expensive for everyday Americans, particularly as it relates to utility bills in this country. Utility bills are going to go up as a result of the actions that have been taken by Donald Trump and Republicans. More than 17 million people are going to lose their healthcare as a result of the action taken by Donald Trump and Republicans. Children, veterans and seniors who are hungry are going to lose their nutritional assistance as it relates to the actions taken by Donald Trump and House Republicans connected to the One Big Ugly Law. And all of this has been done to reward billionaires with massive tax breaks and at the same time skyrocket and explode the debt by more than $3 trillion.

It’s unconscionable what Donald Trump and House Republicans have done to hurt the American people. The job of those of us who are in public service should be at all times to make life better for everyday Americans, to improve the quality of life for the American people, to ensure, as Democrats are focused on, that when you work hard and play by the rules in the United States of America, you should be able to afford to live the good life—good paying job, good housing, good healthcare, good education for your children and a good retirement. That’s the American dream, and far too many people are unable to achieve it even though they are working hard and playing by the rules. Republicans haven’t made it easier to achieve the American dream. They are making it harder for everyday Americans. And that’s a shame.

Full press conference can be watched here.

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MIL OSI USA News –

July 18, 2025

MIL-OSI USA: Carter Introduces Bill to Spur American Economic Development in Housing

Source: United States House of Representatives – Congressman Earl L Buddy Carter (GA-01)

Headline: Carter Introduces Bill to Spur American Economic Development in Housing

WASHINGTON D.C. – Rep. Earl L. “Buddy” Carter (R-GA) and Rep. Greg Stanton (D-AZ) introduced the Catalyzing Housing and American Ready Growth and Expansion (CHARGE) Investments Act, a bill that will encourage economic growth and development throughout the country by modernizing the eligibility for Transit Oriented Development (TOD) projects. The CHARGE Investments Act will create jobs, add housing, revitalize underused urban areas, and drive long-term economic growth without expanding the federal deficit.

Currently, federal law restricts TOD loans to projects within a half mile radius of intercity rail stations. This traditional standard largely benefits older Northeast cities, whereas most U.S. cities intentionally built their historic freight rail hubs modestly further from their downtowns. The CHARGE Investments Act ensures fair access to fiscally responsible federal loan financing administered by the Build America Bureau by expanding the TOD eligibility radius for those U.S. cities whose central business district is more than half a mile from its intercity rail or light rail. Projects inside the closest central business district within a two-mile radius of intercity rail stations, or for cities lacking intercity rail, projects within a ¼ mile radius from a light rail station, shall now be eligible.

“By modernizing the Railroad Rehabilitation and Improvement Financing program, the CHARGE Investments Act marks a critical step towards unlocking economic development for rural towns and growing cities alike. This bill will stimulate economic activity in not only Georgia but nationwide, ensuring some regions are not given preference over others,” said Rep. Carter.

“Light Rail has absolutely transformed the Valley, driving billions in private and public investment along the lines. As the cost of living rises and Arizona grows, we need more tools to develop new affordable housing units and businesses near our city centers and along the transit lines,” said Rep. Stanton. “Our CHARGE Investments Act modernizes federal financing options for transit-oriented retail and housing developments—a win-win for Arizona businesses and families.”

The CHARGE Investments Act preserves the fiscally responsible foundation of the program by maintaining loan-based financing and requiring at least 25% private or non-federal investment while expanding access to cities unintentionally left out due to outdated limitations. These investments often generate 4–5x returns for the Treasury, driven by growth in construction, housing, hospitality, and retail.

“The CHARGE Investments Act is the kind of forward-looking reform the hotel industry needs to spur new development opportunities, create jobs, and drive economic growth. The proposed legislation would expand loan-based financing for transit-connected projects, providing hoteliers with a critical pathway to develop projects that meet local demand. We thank Congressman Carter for his leadership on this important issue and look forward to working with him to move this legislation swiftly through Congress,” said Rosanna Maietta, President & CEO of the American Hotel & Lodging Association.

“AAHOA also applauds the bill’s commitment to fiscal responsibility. The CHARGE Investments Act encourages market-driven investment while safeguarding taxpayer dollars by relying on loans instead of grants and requiring a minimum 25% private capital contribution. For our industry, it creates a valuable financing tool that supports smart growth, adaptive reuse, and transit-connected development,” said Kamalesh (KP) Patel, Chairman of the Asian American Hotel Owners of America (AAHOA).

“By facilitating redevelopment near transit corridors and enabling hotel investment in high-impact areas, the CHARGE Investments Act offers a smart, modern, and locally responsive model for infrastructure and economic growth. GHLA applauds your leadership in advancing this thoughtful, pro-growth legislation. We are proud to support the CHARGE Investments Act and look forward to partnering with your office to move it forward,” said Chris Hardman, Director of Governmental Affairs for the Georgia Hotel and Lodging Association.

Read full bill text here.

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MIL OSI USA News –

July 18, 2025

MIL-OSI USA: Sen. Larry Walker III Appointed to Senate Special Committee on Eliminating Georgia’s State Income Tax

Source: US State of Georgia

ATLANTA (July 17, 2025) — Today, Lt. Governor Burt Jones appointed Senator Larry Walker III (R–Perry) to the newly formed Senate Special Committee on Eliminating Georgia’s State Income Tax.

“I’m honored to be appointed by Lt. Governor Burt Jones to serve on this important committee,” said Sen. Walker. “This effort marks a critical step toward shaping Georgia’s economic future. Eliminating the state income tax is a bold goal that requires serious, thoughtful commitment. Our mission is to ensure that any proposed changes are fiscally responsible and in the best interest of Georgia’s families and businesses.”

The Senate Special Committee on Eliminating Georgia’s State Income Tax is charged with identifying viable pathways to eliminate the state income tax for all Georgians entirely. While the General Assembly has taken steps in recent years to reduce income tax rates for households and businesses, many Georgians still face a heavy tax burden. This committee will work to explore responsible solutions that ease that burden and create a more competitive economic environment.

Senator Blake Tillery (R–Vidalia) will serve as Chairman of the committee.

More information about this committee can be found here.

# # # #

Sen. Larry Walker serves as Secretary of the Majority Caucus and Chairman of the Senate Committee on Insurance and Labor. He represents the 20th Senate District, which includes Bleckley, Dodge, Dooly, Laurens, Treutlen, Pulaski and Wilcox counties, as well as portions of Houston County. He may be reached by phone at (404) 656-0095 or by email at Larry.Walker@senate.ga.gov.

For all media inquiries, please reach out to SenatePressInquiries@senate.ga.gov.

MIL OSI USA News –

July 18, 2025

MIL-OSI Security: Prague Man Sentenced for Setting Ex-Girlfriend’s House on Fire and Illegally Possessing a Firearm

Source: Office of United States Attorneys

TULSA, Okla. – Today, U.S. District Judge Gregory K. Frizzell sentenced Henry Joseph Arthur, Jr., 52, for Arson in Indian Country and Felon in Possession of a Firearm and Ammunition. Judge Frizzell ordered Arthur to serve 120 months’ imprisonment, followed by five years of supervised release.

In April 2023, Arthur plotted and devised a plan to burn down his ex-girlfriend’s home. Surveillance and GPS data showed Arthur was responsible for setting the house on fire and burning it to the ground. While on pretrial bond, Arthur violated the terms of his bond and failed to participate in the court-ordered substance abuse program successfully. The court issued a warrant for Arthur’s arrest, and the U.S. Marshals found Arthur illegally in possession of a loaded handgun.

Court records show that Arthur has been convicted of 19 prior felonies, multiple protective order violations, domestic assault and battery, and crimes that endanger public safety.

Arthur will remain in custody pending transfer to the U.S. Bureau of Prisons.

The Bureau of Alcohol, Tobacco, Firearms and Explosives, the Creek County Sheriff’s Office, and the Kellyville Fire Department investigated the case. The U.S. Marshal Service assisted in Arthur’s arrest. Assistant U.S. Attorney Niko Boulieris prosecuted the case.

This case is part of Project Safe Neighborhoods (PSN), a program bringing together all levels of law enforcement and the communities they serve to reduce violent crime and gun violence, and to make our neighborhoods safer for everyone. On May 26, 2021, the Department launched a violent crime reduction strategy strengthening PSN based on these core principles: fostering trust and legitimacy in our communities, supporting community-based organizations that help prevent violence from occurring in the first place, setting focused and strategic enforcement priorities, and measuring the results. For more information about Project Safe Neighborhoods, please visit Justice.gov/PSN.

MIL Security OSI –

July 18, 2025

MIL-OSI Security: California man convicted of fraud for operating call centers that preyed on struggling homeowners

Source: Office of United States Attorneys

Seattle –The operator of a web of boiler-room-type call centers was convicted Wednesday in U.S. District Court in Seattle for defrauding over 1,000 distressed homeowners facing foreclosure, announced Acting U.S. Attorney Teal Luthy Miller. Mohammed Zafaranchi, 43, aka ‘Mike Ferry’ was convicted of all twelve federal charges he faced: conspiracy to commit wire fraud, five counts of wire fraud, five counts of money laundering, and obstruction of justice. After a seven-day trial, the jury deliberated for about four hours before returning the guilty verdicts. Zafaranchi faces up to 20 years in prison when sentenced by U.S. District Judge John C. Coughenour on October 21, 2025.

“The defendant preyed on vulnerable homeowners who were desperate to avoid losing their homes in a difficult economy,” said Acting U.S. Attorney Miller. “He manipulated these people into paying him thousands of dollars they could not afford to lose. Mr. Zafaranchi demonstrated he knew his activities were illegal when he destroyed evidence just after learning the FBI had served search warrants at one of his call centers.”

Zafaranchi’s fraud involved purchasing data that identified homeowners who were behind on their mortgages and at risk of losing their homes. Each week, Zafaranchi sent thousands of solicitation mailers falsely telling the distressed homeowners they were eligible for government programs that would reduce their mortgage debt by 30% and reduce their interest rate to 2%. The mailers told homeowners to call a phone number before a made-up deadline to get the mortgage modification.

When homeowners called the call centers, operators followed a series of scripts telling homeowners that lawyers and underwriters had vetted their case and negotiated a modification with their lender. The scripts instructed operators to place callers on hold for a pre-determined amount of time to build suspense and make it appear a review was underway. The operator would then return to the line and tell each victim he or she was one of the very select few who qualified for the program—but only if the homeowner paid the call center a $3,000 legal fee to “finalize” the modification. Assistant United States Attorney Lauren Watts Staniar said in closing arguments that “Each stage of the script was designed to entice the victim into the fraud and get them to pay the fee.”

In fact, Zafaranchi’s businesses had no legal or underwriting staff. Instead, untrained workers simply scanned the homeowners’ financial records, completed a basic application form, and sent the documents to the banks. The homeowners did not receive the modifications promised in the mailers, and some lost their homes.

After taking the victims’ money, Zafaranchi laundered the funds through shell bank accounts and withdrew the proceeds in cash. He was convicted of money laundering for this conduct.

On March 29, 2018, the FBI served a search warrant on the call center in Everett Washington. After learning of this search, Zafaranchi told his California employees to remove the computers and other evidence from his California offices. That night, Zafaranchi destroyed all records associated with three email accounts he used to operate the businesses. For that conduct, Zafaranchi was convicted of obstruction of justice.

Zafaranchi’s two coconspirators have already pleaded guilty. Mark Lezama is scheduled for sentencing on October 14, 2025. Josh Herrera is scheduled for sentencing on October 21, 2025.

The case was investigated by the FBI. The case is being prosecuted by Assistant United States Attorneys Seth Wilkinson, Lauren Watts Staniar, and Dane A. Westermeyer. The Federal Housing Finance Agency Office of Inspector General provided support in the case.

MIL Security OSI –

July 18, 2025

MIL-OSI Security: Franklin County Man Sentenced for Assaulting Girlfriend, Fatally Shooting Dog

Source: Office of United States Attorneys

ST. LOUIS – U.S. District Judge Rodney W. Sippel on Thursday sentenced a convicted felon who violently assaulted his girlfriend and a neighbor and fatally shot his dog to 78 months in prison.

Leslie Rector, 30, pleaded guilty in U.S. District Court in St. Louis in April to one count of being a felon in possession of a firearm. He admitted that on April 16, 2024, he assaulted his girlfriend and shot his dog while intoxicated. He later assaulted his neighbor while looking for his girlfriend.

Pacific Police Department officers talked to the girlfriend early the next morning at a gas station. She had suffered extensive injuries to her face and head. Officers then contacted the Franklin County Sheriff’s Office, believing that the assault had occurred in their jurisdiction. Deputies talked to the victim and took her to the hospital. They went to Rector’s home and found a blood-spattered van, the body of a dog and four firearms. Rector is a convicted felon and is thus barred from possessing firearms.

The Franklin County Sheriff’s Office and the Pacific Police Department investigated the case. Assistant U.S. Attorney Catherine Hoag prosecuted the case.

This case is part of Project Safe Neighborhoods (PSN), a program bringing together all levels of law enforcement and the communities they serve to reduce violent crime and gun violence, and to make our neighborhoods safer for everyone. On May 26, 2021, the Department launched a violent crime reduction strategy strengthening PSN based on these core principles: fostering trust and legitimacy in our communities, supporting community-based organizations that help prevent violence from occurring in the first place, setting focused and strategic enforcement priorities, and measuring the results.

MIL Security OSI –

July 18, 2025

MIL-OSI Security: Former veteran’s service organization leader charged with federal program theft

Source: Office of United States Attorneys

HOUSTON – A 59-year-old Brenham resident has been charged in a criminal information for misappropriating thousands in federal grant funding, announced U.S. Attorney Nicholas J. Ganjei.

Clifford Wayne Robertson is expected to make his initial appearance before U.S. Magistrate Judge Richard W. Bennett July 28 at 10 a.m.

Robertson allegedly misappropriated federal grant funding awarded to Castle Cares Community Ministry Inc. dba The Warrior’s Refuge, a nonprofit organization serving as a veteran’s homeless shelter and service facility. The charges allege that during his tenure as CEO and executive director, Robertson submitted multiple applications for federal assistance to the Department of Veterans Affairs (VA) and Department of Labor (DOL) between February and April 2020. The Warrior’s Refuge allegedly received approximately $1.3 million and $500,000 in VA and DOL grant funds, respectively, as a result of those applications.

The information alleges that Robertson did knowingly and intentionally embezzle a portion of the federal grants awarded to the organization for unallowable personal expenditures and for counseling services that he never rendered to veterans.

If convicted, he faces up to 10 years in federal prison and a $250,000 maximum possible fine.

VA – Office of Inspector General (OIG) and DOL – OIG and Texas Department of Public Safety conducted the investigation. Assistant U.S. Attorney Shirin Hakimzadeh is prosecuting the case.

A criminal information is a formal accusation of criminal conduct, not evidence. A defendant is presumed innocent unless convicted through due process of law.

MIL Security OSI –

July 18, 2025

MIL-OSI Security: Former veteran’s service organization leader charged with federal program theft

Source: Office of United States Attorneys

HOUSTON – A 59-year-old Brenham resident has been charged in a criminal information for misappropriating thousands in federal grant funding, announced U.S. Attorney Nicholas J. Ganjei.

Clifford Wayne Robertson is expected to make his initial appearance before U.S. Magistrate Judge Richard W. Bennett July 28 at 10 a.m.

Robertson allegedly misappropriated federal grant funding awarded to Castle Cares Community Ministry Inc. dba The Warrior’s Refuge, a nonprofit organization serving as a veteran’s homeless shelter and service facility. The charges allege that during his tenure as CEO and executive director, Robertson submitted multiple applications for federal assistance to the Department of Veterans Affairs (VA) and Department of Labor (DOL) between February and April 2020. The Warrior’s Refuge allegedly received approximately $1.3 million and $500,000 in VA and DOL grant funds, respectively, as a result of those applications.

The information alleges that Robertson did knowingly and intentionally embezzle a portion of the federal grants awarded to the organization for unallowable personal expenditures and for counseling services that he never rendered to veterans.

If convicted, he faces up to 10 years in federal prison and a $250,000 maximum possible fine.

VA – Office of Inspector General (OIG) and DOL – OIG and Texas Department of Public Safety conducted the investigation. Assistant U.S. Attorney Shirin Hakimzadeh is prosecuting the case.

A criminal information is a formal accusation of criminal conduct, not evidence. A defendant is presumed innocent unless convicted through due process of law.

MIL Security OSI –

July 18, 2025

MIL-Evening Report: AI is now part of our world. Uni graduates should know how to use it responsibly

Source: The Conversation (Au and NZ) – By Rachel Fitzgerald, Associate Professor and Deputy Associate Dean (Academic), Faculty of Business, Economics and Law, The University of Queensland

MTStock Studio/ Getty Images

Artificial intelligence is rapidly becoming an everyday part of lives. Many of us use it without even realising, whether it be writing emails, finding a new TV show or managing smart devices in our homes.

It is also increasingly used in many professional contexts – from helping with recruitment to supporting health diagnoses and monitoring students’ progress in school.

But apart from a handful of computing-focused and other STEM programs, most Australian university students do not receive formal tuition in how to use AI critically, ethically or responsibly.

Here’s why this is a problem and what we can do instead.

AI use in unis so far

A growing number of Australian universities now allow students to use AI in certain assessments, provided the use is appropriately acknowledged.

But this does not teach students how these tools work or what responsible use involves.

Using AI is not as simple as typing questions into a chat function. There are widely recognised ethical issues around its use including bias and misinformation. Understanding these is essential for students to use AI responsibly in their working lives.

So all students should graduate with a basic understanding of AI, its limitations, the role of human judgement and what responsible use looks like in their particular field.

We need students to be aware of bias in AI systems. This includes how their own biases could shape how they use the AI (the questions they ask and how they interpret its output), alongside an understanding of the broader ethical implications of AI use.

For example, does the data and the AI tool protect people’s privacy? Has the AI made a mistake? And if so, whose responsibility is that?

What about AI ethics?

The technical side of AI is covered in many STEM degrees. These degrees, along with philosophy and psychology disciplines, may also examine ethical questions around AI. But these issues are not a part of mainstream university education.

This is a concern. When future lawyers use predictive AI to draft contracts, or business graduates use AI for hiring or marketing, they will need skills in ethical reasoning.

Ethical issues in these scenarios could include unfair bias, like AI recommending candidates based on gender or race. It could include issues relating to a lack of transparency, such as not knowing how an AI system made a legal decision. Students need to be able to spot and question these risks before they cause harm.

In healthcare, AI tools are already supporting diagnosis, patient triage and treatment decisions.

As AI becomes increasingly embedded in professional life, the cost of uncritical use also scales up, from biased outcomes to real-world harm.

For example, if a teacher relies on AI carelessly to draft a lesson plan, students might learn a version of history that is biased or just plain wrong. A lawyer who over-relies on AI could submit a flawed court document, putting their client’s case at risk.

How can we do this?

There are international examples we can follow. The University of Texas at Austin and University of Edinburgh both offer programs in ethics and AI. However, both of these are currently targeted at graduate students. The University of Texas program is focused on teaching STEM students about AI ethics, whereas the University of Edinburgh’s program has a broader, interdiscplinary focus.

Implementing AI ethics in Australian universities will require thoughtful curriculum reform. That means building interdisciplinary teaching teams that combine expertise from technology, law, ethics and the social sciences. It also means thinking seriously about how we engage students with this content through core modules, graduate capabilities or even mandatory training.

It will also require investment in academic staff development and new teaching resources that make these concepts accessible and relevant to different disciplines.

Government support is essential. Targeted grants, clear national policy direction, and nationally shared teaching resources could accelerate the shift. Policymakers could consider positioning universities as “ethical AI hubs”. This aligns with the government-commissioned 2024 Australian University Accord report, which called for building capacity to meet the demands of the digital era.

Today’s students are tomorrow’s decision-makers. If they don’t understand the risks of AI and its potential for error, bias or threats to privacy, we will all bear the consequences. Universities have a public responsibility to ensure graduates know how to use AI responsibly and understand why their choices matter.

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. AI is now part of our world. Uni graduates should know how to use it responsibly – https://theconversation.com/ai-is-now-part-of-our-world-uni-graduates-should-know-how-to-use-it-responsibly-261273

MIL OSI Analysis – EveningReport.nz –

July 18, 2025

MIL-OSI USA: Luján, Colleagues Introduce Legislation to Restore and Modernize National Labs

US Senate News:

Source: United States Senator Ben Ray Luján (D-New Mexico)
Washington, D.C. – Today, U.S. Senator Ben Ray Luján (D-N.M.) introduced the Restore and Modernize Our National Labs Act of 2025, legislation that would invest in maintenance projects and infrastructure improvements at America’s National Labs. Specifically, the legislation would authorize funding for deferred maintenance projects and infrastructure improvements throughout the Department of Energy’s (DOE) National Laboratory system to support the technological capacity of the laboratories while also creating local jobs in construction and equipment supply.
The Department of Energy’s National Laboratories are experiencing a maintenance backlog from decades of underfunding that puts the Labs’ missions at risk. Significant new federal investments are needed to repair and update laboratories, administrative buildings, and critical infrastructure like roads and power plants. Making these improvements will keep the Labs’ nearly 80,000 employees safe and secure and ensure that these research facilities are equipped to fulfill their mission.
“Across the country, our National Labs – including Sandia and Los Alamos in New Mexico – have positioned the U.S. as a global leader in cutting-edge research and scientific innovation,” said Senator Luján, Co-Chair of the Senate National Labs Caucus. “To meet the challenges of the 21st century – from driving innovation in emerging technologies like quantum and AI to strengthening national security – our Labs need strong, reliable infrastructure. That’s why I’m proud to introduce the Restore and Modernize Our National Labs Act to upgrade outdated facilities and expand the capabilities of our world-class institutions. I’ll keep fighting to ensure our National Labs have access to state-of-the-art facilities, cutting-edge technology, and a skilled workforce.”
“Illinois is home to world-class research centers, including Argonne and Fermi National Laboratories, that push the boundaries of scientific discovery,” said Senator Durbin. “But it’s critical that the U.S. maintains its position as a global leader in scientific discovery by properly investing in our labs and building critical infrastructure to meet the demands of the 21st century. With the Restore and Modernize Our National Labs Act, we can offer our scientists at our nation’s premier labs the support and resources they need.”
“California’s national laboratories are critical to maintaining our nation’s global leadership in advancing science and technology. We must invest in modernizing and building reliable infrastructure for our nation’s labs so we can better support our STEM workforce, strengthen American global competitiveness and innovation, and address our country’s greatest scientific challenges,” said Senator Padilla.
“Our National Labs ensure we remain world leaders in energy, national security, and scientific research,” said Senator Bennet. “It is essential that we repair and update the laboratories, administrative buildings, and critical infrastructure like roads and power plants that make this research possible. This legislation will address the backlog of laboratory modernizations and keep our world-class workforce safe.”
“The cutting-edge research conducted at national laboratories in New York and across the country is vital to our national security and high-tech economy,” said Senator Gillibrand. “This legislation would create good-paying jobs while helping ensure that our national labs maintain the modern, advanced infrastructure they need to drive innovation and attract top scientists from around the world. I will continue to fight to ensure that our research facilities have the resources they need to thrive and push back against dangerous attempts to cut their funding, which would harm our economy and global competitiveness.”
“An ongoing challenge at our national laboratories is the lack of sufficient funding for essential maintenance and upgrades. Right now, there’s a severe backlog of unfunded modernization projects,” said Rep. Foster, Co-Chair of the House National Labs Caucus. “Our national laboratories make remarkable contributions to technologies that improve everyday life and keep the U.S. on the cutting edge of innovation. Ensuring the necessary resources to make capital improvements will allow the labs to continue driving research and supporting our economy.”
The legislation is cosponsored by U.S. Senators Dick Durbin (D-Ill.), Alex Padilla (D-Calif.), Michael Bennet (D-Colo.), and Kirsten Gillibrand (D-N.Y.). Representative Bill Foster (D-Ill) leads companion legislation in the House.
Senators Luján and Durbin are co-leads of the Senate National Labs Caucus. The caucus works to identify legislative opportunities that elevate the National Labs’ visibility and meet national energy and security objectives. The caucus also helps identify bipartisan initiatives to maintain and extend U.S. leadership in critical scientific sectors.
Full text of the bill is available here.

MIL OSI USA News –

July 18, 2025

MIL-OSI Security: Defense News in Brief: SOUTHERN STAR ’25: 27th Special Operations Wing projects power with partners in Chile

Source: United States Airforce

The multinational training exercise emphasizes operational and tactical missions, bringing together joint, combined, interagency and military forces to strengthen coordination and interoperability within a unified special operations command.

SANTIAGO, Chile (AFNS) —

From the sunbaked airstrips of Antofagasta to the bustling port of Valparaíso and the icy channels of Punta Arenas, elite troops from six nations dived into SOUTHERN STAR 25, Latin America’s premier multinational special operations exercise. Designed around a simulated United Nations stabilization mandate, the event brings together special forces from Chile, the United States, Spain, Argentina, Colombia and Paraguay, with 10 additional nations participating as observers.

A key part of the U.S. contribution is the 27th Special Operations Wing, whose aircraft and Air Commandos have delivered mobility, surveillance, and refueling capabilities across more than 3,700 kilometers of challenging terrain — an unmistakable demonstration of the U.S. commitment to its partners in the Southern Cone and the broader Western Hemisphere.

Deploying from Cannon Air Force Base, New Mexico, the 27 SOW brought two of the most versatile aircraft in the U.S. Air Force’s arsenal: the MC-130J Commando II and the U-28A Draco. Designed to thrive in austere, high-threat environments, these platforms were crucial to the operational tempo and complexity of SOUTHERN STAR 25.

“We’re closely integrated with our joint partners in U.S. Special Operations Command and that partnership drives how we operate across the world. Down here in Chile, we are integrating and providing the same type of support to the exercise that we would anywhere else in the world if there’s a special operations mission set going on,” said Lt. Col. Graydon Sponaugle, 27 SOW mission commander for SOUTHERN STAR 25.

An Air Commando assigned to the 27th Special Operations Wing pulls a hose connected to an MC-130 Commando II for a forward arming and refueling point demonstration for Chilean Airmen at Antofagasta, Chile, May 29, 2025, as part of Southern Star 25. Southern Star is a multinational training exercise emphasizing operational and tactical missions, bringing together joint, combined, interagency, and military forces to strengthen coordination and interoperability within a unified special operations command. (U.S. Air Force photo by Airman 1st Class Gracelyn Hess)

U.S. and Chilean Air Commandos work together to process intelligence video from multiple platforms, including the U-28A Draco, in Rancagua, Chile, June 2, 2025, as part of exercise SOUTHERN STAR 25. Southern Star ’25 is a multinational special operations exercise across Chile from May 26 to June 8. The exercise brings together forces from six nations and 10 observer countries to enhance interoperability and strengthen global special operations partnerships through joint training from Antofagasta to Punta Arenas. (U.S. Air Force photo by Airman 1st Class Gracelyn Hess)

A U-28A Draco from the 27th Special Operations Wing provides surveillance over a Visit, Board, Search, and Seizure training exercise involving Air Commandos, Chilean Special Forces, Navy Seals, and the Chilean Navy in Valparaiso, Chile, June 6, 2025, as part of exercise SOUTHERN STAR 25. The exercise is a multinational special operations exercise taking place across Chile from May 26 to June 8. The exercise brings together forces from six nations and 10 observer countries to enhance interoperability and strengthen global special operations partnerships through joint training from Antofagasta to Punta Arenas. (U.S. Air Force courtesy photo)

In Antofagasta, Air Commandos conducted a forward arming and refueling point demonstration using the MC-130J, showcasing to Chilean airmen how expeditionary refueling operations can sustain special operation forces units operating far from traditional bases. The very next day, the same aircraft supported static line jump training for Chilean paratroopers, or paracaidistas, who practiced airborne insertion techniques alongside U.S. aircrews, strengthening tactical interoperability and deepening trust between the nations’ forces.

Meanwhile, the U-28A provided critical intelligence, surveillance, and reconnaissance support across multiple mission profiles.

In Rancagua, U.S. Air Commandos established a satellite communications node to receive real-time full-motion video from the Draco in flight, illustrating the rapid ISR integration capabilities essential to success during fast-moving missions. Later in the exercise, in Valparaíso, the U-28A provided overwatch during a Visit, Board, Search, and Seizure training operation involving U.S. Navy SEALs, U.S. Air Commandos, Chilean Special Forces, and the Chilean Navy. The mission enhanced maritime interdiction capabilities while exemplifying the layered coordination enabled by airborne ISR platforms.

Operating across a country as long and geographically diverse as Chile posed logistical challenges that tested every aspect of special operations capability — command, sustainment, adaptability, and communication. Yet, the 27 SOW thrived in this environment, reaffirming AFSOC’s ability to project power and sustain complex missions far from home. From austere airfields to maritime staging areas, the wing’s involvement helped exercise vital capabilities such as the protection of sea lines of communication and affirmed U.S. and partner readiness near strategic regions like the approaches to the Antarctic.

SOUTHERN STAR 25 also served as a proving ground for innovation. With their involvement in distributed mission planning, real-time ISR delivery and satellite communications, the Air Commandos contributed to emerging integration efforts across the space and cyber domains. These forward-leaning efforts, paired with proven platforms like the MC-130J and U-28A, point toward a future in which special operations forces can operate even more effectively across domains and coalition partnerships.

“Southern Star has helped demonstrate, yet again, how the U.S. can integrate with anyone across the world to achieve common objectives — and do so in a mutually beneficial manner,” Sponaugle said.

From airborne operations and tactical refueling to maritime ISR overwatch and technology integration, the 27 SOW’s performance during SOUTHERN STAR 25 was a testament to the strength of partner cooperation and the versatility of AFSOC. As the U.S. and its partners continue to face evolving global security challenges, exercises like this not only prepare forces for what lies ahead — they strengthen the partnerships and interoperability that will define success in the years to come.

MIL Security OSI –

July 18, 2025

MIL-OSI Security: Defense News in Brief: USS Santa Fe (SSN 763) and JMSDF Submarine Conduct a Bilateral Exercise

Source: United States Navy

From Mass Communication Specialist 2nd Class Daniel Providakes

YOKOSUKA, Japan – The Los Angeles-class fast-attack submarine USS Santa Fe (SSN 763) and a Japan Maritime Self-Defense Force (JMSDF) submarine conducted Submarine Exercise 25-1 (SUBEX) in the Pacific Ocean, July 12, 2025.

This bilateral exercise portrayed the interoperability and cooperation between the U.S. Navy and JMSDF, showcasing Santa Fe and the JMSDF submarine’s capability to work together while underway in the Indo-Pacific.

“We enjoy a strong bond with our dear partners and friends in the Japanese Submarine Force,” said Rear Adm. Lincoln Reifsteck, commander, Submarine Group 7 (CSG 7). “This submarine exercise is just one of dozens of operations our combined forces are planning or executing day in and day out. We take every opportunity to enhance the integration of our undersea forces, reaffirming our commitment to a shared vision of peace and prosperity for our allies and partners in the Indo-Pacific region.”

SUBEX 25-1 was a two-day exercise conducted in the vicinity of Yokosuka between the U.S. Navy and JMSDF, in order to make significant advancements in the joint submarine capabilities and operations. Exercises like this bolster the U.S. and JMSDF momentum in critical undersea warfare and mutual defense.

Both submarine forces continue to work together and progress every day to seamlessly interoperate with each other. This dedication to mutual understanding and shared values of peace and security in the Indo-Pacific reflects the steadfast bonds between the two silent services.

Santa Fe, homeported in San Diego, California, and assigned to Submarine Squadron 11, is conducting routine operations in the U.S. 7th Fleet area of operations.

CSG 7 directs forward-deployed, combat capable forces across the full spectrum of undersea warfare throughout the Western Pacific, Indian Ocean, and Arabian Sea.

U.S. 7th Fleet is the U.S. Navy’s largest forward-deployed numbered fleet, and routinely interacts and operates with allies and partners in preserving a secure and prosperous Indo-Pacific region.

For more news from Commander, Submarine Group 7, visit www.csp.navy.mil/csg7/

MIL Security OSI –

July 18, 2025

MIL-OSI USA: Markey, Padilla, Chu Join Union Workers to Announce Legislation to Protect Workers from Extreme Heat

US Senate News:

Source: United States Senator for Massachusetts Ed Markey

Washington (July 16, 2025) – Today, on the heels of another harsh heat wave across California, Senator Edward J. Markey (D-Mass.) joined Senator Alex Padilla (D-Calif.), Representative Judy Chu (D-Calif.-28), and union workers from the United Farm Workers (UFW), American Federation of State, County and Municipal Employees, and United Steelworkers to announce their bipartisan, bicameral legislation to implement federal enforceable workplace heat stress protections.

Co-leads of the legislation include Senator Catherine Cortez Masto (D-Nev.), and Representatives Robert C. “Bobby” Scott (D-Va.-03), Ranking Member of the House Committee on Education and Workforce, and Alma Adams (D-N.C.-12).

To address the increasing risks from extreme temperatures, the lawmakers introduced the Asunción Valdivia Heat Illness, Injury, and Fatality Prevention Act, legislation to protect the safety and health of indoor and outdoor workers who are exposed to dangerous heat conditions in the workplace. The legislation would protect workers against occupational exposure to excessive heat by requiring the Occupational Safety and Health Administration (OSHA) to establish an enforceable federal standard to protect workers in high-heat environments with commonsense measures like paid breaks in cool spaces, access to water, limitations on time exposed to heat, and emergency response for workers with heat-related illness. The bill also directs employers to provide training for their employees on the risk factors that can lead to heat illness and guidance on the proper procedures for responding to symptoms.

The bill is named in honor of Asunción Valdivia, who died in 2004 after picking grapes for 10 hours straight in 105-degree temperatures. Mr. Valdivia fell unconscious, but instead of calling an ambulance, his employer told Mr. Valdivia’s son to drive his father home. On his way home, he died of heat stroke at the age of 53.

“Even as heat waves become more frequent, longer-lasting, and more severe, red state politicians are rolling back heat protections and child labor protections across the country. It’s not rocket science—you cannot be pro-worker if you are anti-heat protection,” said Senator Markey. “Our legislation would provide workers with basic, effective protections: access to water, access to shade, time limits on high heat exposure, and procedures for emergency medical response. Every worker deserves to know when they clock in that they will return home safe at the end of their shift. The thermometer is rising and the clock is ticking. Republicans want to sacrifice working Americans. Let’s save our workers instead.”

“Asunción Valdivia’s death was completely preventable, yet his story is sadly not unique. As the planet continues to grow hotter, there is still no federally enforceable heat safety standard for workers. That’s not just dangerous for the farm workers and construction workers who work all day outside in the sun — it’s also dangerous for the factory and restaurant workers in boiling warehouses and kitchens,” said Senator Padilla. “Every family deserves to know that even on the hottest day, their loved one will come back home. A national heat safety standard would provide that peace of mind and finally give workers the safety they deserve.”

“From farmhands to construction workers, America’s essential workforce is doing important work while under extreme heat conditions,” said Senator Cortez Masto. “Temperatures continue to reach record highs in Nevada and across the United States. We must act now to protect our communities’ vital workers.”

“As we continue to experience record-breaking summer heat waves, we’re also seeing a distressing increase in cases of workers collapsing and even losing their lives due to excessive heat. I will never forget people like Asunción Valdivia or Esteban Chavez Jr., who passed away in Pasadena, California in 2022 after a day of delivering packages in 90-degree heat in a truck without air conditioning. Unfortunately, their tragic deaths were entirely preventable,” said Representative Chu. “Whether on a farm, driving a truck, or working in a warehouse, workers like Asunción and Esteban keep our country running while enduring some of the most difficult conditions—often without access to water or rest. To protect our workforce and save lives, we must pass this bill into law and establish comprehensive and enforceable federal standards addressing heat stress on the job.”

“This summer, Americans across the country are grappling with some of the hottest temperatures on record. Yet workers in this country still have no legal protection against excessive heat—one of the oldest, most serious, and most common workplace hazards. Heat illness affects workers in our nation’s fields, warehouses, and factories, and climate change is making the problem more severe every year,” said Ranking Member Scott, House Committee on Education and Workforce. “This legislation will require OSHA to issue a heat standard on a much faster track than the normal OSHA regulatory process. I was proud to advance this important bill in 2022, and I urge Chairman Walberg and Committee Republicans to do so again this Congress. Workers deserve nothing less, particularly as heat-related illnesses and deaths rise.”

“As we face record temperatures, it has never been more important that we protect our workers facing extreme heat in the workplace,” said Representative Adams. “Last year, a North Carolina postal worker Wendy Johnson lost her life to heat illness after spending hours in the back of a postal truck on a 95-degree day with no air conditioning. Her death was entirely preventable, and Wendy should still be with us today. I’m proud to introduce this bill so we can honor her memory and ensure every worker has the protections from extreme heat that Wendy deserved.”

According to the National Oceanic and Atmospheric Administration (NOAA), 2024 was the warmest year on record for the United States. The past decade, including 2024, was the hottest on record, marking a decade of extreme heat that will only get worse. Heat-related illnesses can cause heat cramps, organ damage, heat exhaustion, stroke, and even death. Between 1992 and 2017, heat stress injuries killed 815 U.S. workers and seriously injured more than 70,000. The Washington Center for Equitable Growth estimates hot temperatures caused at least 360,000 workplace injuries in California from 2001 to 2018, or about 20,000 injuries a year. The failure to implement simple heat safety measures costs U.S. employers nearly $100 billion every year in lost productivity.

From 2011-2020, heat exposure killed at least 400 workers and caused nearly 34,000 injuries and illnesses resulting in days away from work; both are likely vast underestimates. Farm workers and construction workers suffer the highest incidence of heat illness. And no matter what the weather is outside, workers in factories, commercial kitchens, and other workplaces, including ones where workers must wear personal protective equipment (PPE), can face dangerously high heat conditions all year round.

The Asunción Valdivia Heat Illness, Injury, and Fatality Prevention Act has the support of a broad coalition of over 250 groups, including: Rural Coalition, International Brotherhood of Teamsters, AFL-CIO, UNITE HERE!, Communication Workers of America, Alianza Nacional de Campesinas, Sierra Club, United Farm Workers, Farmworker Justice, Public Citizen, International Union of Bricklayers and Allied Craftworkers, United Food and Commercial Workers International Union, Union of Concerned Scientists, United Steelworkers, National Resources Defense Council, American Lung Association, and Health Partnerships.

“Every worker safety rule in America is written in blood,” said UFW President Teresa Romero. “The UFW has been fighting for heat safety protections for decades. Over 20 years later, Asuncion Valdivia’s death still hurts. There are so many other farm workers — many whose names we do not know — who have also been killed by extreme heat on the job in the years since. Enough is enough. Every farm worker deserves access to water, shade, and paid rest breaks — it’s past time for Congress get this done.”

“Too many workers – including AFSCME members – have lost their lives on the job as a result of blistering heat waves and record-breaking temperatures,” said AFSCME President Lee Saunders. “As the number of heat-related illnesses and fatalities continue to rise, it is well past time we adopt nationwide safeguards to better protect the workers who maintain our infrastructure, keep our streets clean, harvest our food, and keep our economy moving. We at AFSCME thank Senator Padilla and Representative Chu for introducing the Asunción Valdivia Heat Illness, Injury, and Fatality Prevention Act, which will ensure essential workers who brave the heat can do their jobs safely and effectively, and most importantly, make it home alive.”

“For the Steelworkers Union, we represent workers in manufacturing settings and in a host of other areas where not only is it hot outside, but the areas that they work around are as hot as up to 3,000 degrees and they must wear protective equipment. The Asunción Valdivia Heat, Illness, Injury, and Fatality Prevention Act is important because it will provide a basic standard for not just outdoor, but indoor workplaces as well to ensure that there is proper rest breaks and the ability to stay cool. The Steelworkers are absolutely supportive of this bill and are going to work with Republicans and Democrats to ensure that heat illness is the last thing a worker should worry about,” said Roy Houseman, Legislative Director of United Steelworkers.

“Everyone deserves safe working conditions, but powerful corporations have not done enough to protect their workers from hot working environments, exacerbated by the climate crisis,” said Liz Shuler, President of the AFL-CIO. “Extreme heat is increasingly causing indoor and outdoor workers to collapse or even die on the job, and our union family has already lost too many members to preventable, work-related heat illness. The Occupational Safety and Health Administration (OSHA) must issue a strong heat rule, not a weak one, to ensure workers have specific protections they need and to be able to raise unsafe working conditions without fear of retaliation.”

“It’s long past time for meaningful legislation to protect Teamsters and other workers from the effects of prolonged heat exposure and dangerous heat levels while at work,” said Teamsters General President Sean M. O’Brien. “Paid breaks in cool spaces, access to water, and limitations on time exposed to heat are simple common sense steps that should be mandated immediately. Waiting to implement these measures is unacceptable and will result in the further loss of lives.”

“Workers in America are facing unprecedented dangers from climate-driven heat and extreme weather, and things are only getting worse. It is far past time for a strong national standard to protect workers from illness and death caused by exposure to extreme heat. The provisions mandated in this bill, including temperature triggers, acclimatization, water, shade and paid rest breaks, would save countless lives. They represent a common sense and common decency approach that employers could quickly adopt. American workers deserve no less, and they urgently need it. Today, OSHA is in the final stage of issuing a final rule on this issue. It is imperative that the rule maintain the integrity and high standards called for in the Asuncíon Valdivia Heat Illness, Injury, and Fatality Prevention Act. We applaud Senators Padilla, Markey, and Cortez Masto and Representatives Chu, Adams, and Scott, as well as the dozens of Senators and Congresspersons who have joined them in this long effort. It’s time to bring a high quality, protective standard to the finish line for American workers,” said Ernesto Archila, Climate and Financial Regulation Policy Director, Public Citizen.

“Every summer high temperature records get broken in states across the country, and while public health officials urge residents to stay inside and stay safe millions of workers have to report for work. From fields to warehouses, airports to schools, construction sites to manufacturing plants, and many more industries, too many workers are at risk of not getting home safely at the end of the day due to exposure to heat on the job. We know how to prevent these dangers. In fact, both outdoor and indoor workers in states like Oregon, California, and Maryland have strong, enforceable protections in place already. And in Washington, Colorado, and Minnesota at least some categories of workers are being kept safe from heat. But millions labor in other states where there are no protections; worker safety is left to the federal government in these states, and absent strong rules workers are left to protect themselves and hope for the best. We must extend workplace protections from heat to all workers. The National Employment Law Project thanks Senator Padilla and Representative Chu, as well as the dozens of Senators and Congresspersons who have cosponsored the Asunción Valdivia Heat Illness, Injury, and Fatality Prevention Act of 2025,” said Anastasia Christman, Senior Policy Analyst, National Employment Law Project.

The bill is cosponsored by Senators Angela Alsobrooks (D-Md.), Tammy Baldwin (D-Wis.), Richard Blumenthal (D-Conn.), Lisa Blunt Rochester (D-Del.), Cory Booker (D-N.J.), John Fetterman (D-Pa.), Ruben Gallego (D-Ariz.), Kirsten Gillibrand (D-N.Y.), Martin Heinrich (D-N.M.), Mazie Hirono (D-Hawaii), Mark Kelly (D-Ariz.), Ben Ray Luján (D-N.M.), Jeff Merkley (D-Ore.), Patty Murray (D-Wash.), Jack Reed (D-R.I.), Bernie Sanders (I-Vt.), Brian Schatz (D-Hawaii), Adam Schiff (D-Calif.), Chris Van Hollen (D-Md.), Elizabeth Warren (D-Mass.), Peter Welch (D-Vt.), Sheldon Whitehouse (D-R.I.), and Ron Wyden (D-Ore.).

A one-pager on the Asunción Valdivia Heat Illness, Injury, and Fatality Prevention Act is available here.

A section-by-section of the bill is available here.

Full text of the bill is available here.

MIL OSI USA News –

July 18, 2025

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From Mass Communication Specialist 2nd Class Daniel Providakes