Category: Taxation

  • MIL-OSI USA: Wyden Joins Legislation to Build and Renovate Homes for Working Families

    US Senate News:

    Source: United States Senator Ron Wyden (D-Ore)
    October 10, 2024
    Washington, D.C. – U.S. Senator Ron Wyden said today he is cosponsoring legislation that would provide tax credits to generate incentives for new investments and additional resources for single-family home construction and renovations for working families in Oregon and nationwide.
    Senator Martin Heinrich, D-N.M., who led the New Homes Tax Credit Act, released a report on housing supply in America, which found that underbuilding, restrictive zoning policies, and home financing hurdles have caused the supply of starter homes to shrink and prices to rise. High interest rates and mangled supply chains have also contributed to increased home prices. The legislation would address the lack of housing inventory for individuals and families whose incomes are up to 120 percent of the area median income, particularly in areas where middle-income families have historically been priced out. 
    “Democrats are focused on attacking the cost of living, and with rents and home prices climbing every year, the key to solving our housing crisis is to build, build, build. That’s what this bill is all about,” said Wyden. “The housing crisis is no longer just about big cities like Portland, it’s all over Oregon and the entire country – urban centers, suburban communities, even a lot of rural areas. Congress needs to look at every available solution that’ll get more housing built so that families don’t have to break the bank to pay the rent every month.”
    The New Homes Tax Credit would be administered under the Community Development Financial Institutions Fund. That fund certifies Housing Development Entities, which can be Community Development Financial Institutions, government and quasi-governmental entities, or non-profits. Following certification, Housing Development Entities will use the capital raised from exchanging their tax credits with investors to provide funds for construction companies that build or renovate single-family homes. 
    Along with Wyden, The New Homes Tax Credit Act is cosponsored by Senators Peter Welch, D-Vt., and Chris Van Hollen, D-Md.
    The legislation is supported by the Mortgage Bankers Association, National Association of Home Builders, National Association of Realtors, Housing New Mexico, Homewise, Yes Housing, Inc., and Strong Towns Albuquerque. 
    The text of the bill is here.

    MIL OSI USA News

  • MIL-OSI USA: Warren Releases Report Highlighting Senate Record of Plans Passed Into Laws, Fights Won for Massachusetts

    US Senate News:

    Source: United States Senator for Massachusetts – Elizabeth Warren
    October 10, 2024
    Senator Warren has beaten special interests, fought for workers and consumers, and worked across the aisle to lift up the middle class in Massachusetts and beyond
    Senator Warren has passed 44 bills into law; 60% of passed bills are bipartisan
    Text of Report (PDF)
    Washington, D.C. – Today, U.S. Senator Elizabeth Warren (D-Mass.) released a new report detailing her record of fighting — and winning — for consumers and working families in Massachusetts and across the country. The report, titled “From Plans to Law: Senator Elizabeth Warren’s Record of Accomplishments from 2013 – 2024,” provides a comprehensive overview of Senator Warren’s record of success in the Senate, from taking on special interests, to fighting for workers and consumers, to working across the aisle to lift up the middle class. 
    Senator Warren has passed 44 bills into law by both Democratic and Republican administrations. Over 60% of these bills passed into law were bipartisan. In addition to standalone legislation, Senator Warren secured 110 provisions in the annual National Defense Authorization Acts (NDAAs) signed into law by Presidents Obama, Trump, and Biden. Senator Warren has also secured more than $50 billion in federal investments for Massachusetts, including more than $20 billion during the Biden-Harris Administration.
    Senator Warren has attended hundreds of hearings and served as the chair of three subcommittees: the Senate Banking, Housing, and Urban Affairs Committee’s Economic Policy subcommittee, the Senate Armed Services Committee’s Personnel subcommittee, and the Senate Finance Committee’s Fiscal Responsibility and Economic Growth subcommittee. She has chaired 28 subcommittee hearings over the last three and a half years — including three held in Massachusetts.
    Senator Warren has also aggressively used the power of congressional oversight to fight for working families, writing thousands of oversight letters to government officials and private sector CEOs, and using the information she obtains to effect change by the private sector and by the executive branch, and to inform her legislative work. She has released over 40 investigative reports exposing issues from broken policies in U.S. trade agreements to the failure of big banks to rein in scams to the failure of the pharmaceutical industry to meet its promises to provide lower-cost insulin for patients.
    Key accomplishments include:
    Senator Warren made corporations pay a fairer share — and used the revenue to combat the climate crisis. Senator Warren introduced legislative proposals to make big corporations pay their fair share, and published a report showing how multi-billion-dollar corporations exploit loopholes to pay pennies on the dollar of what they should owe. Congress enacted Senator Warren’s 15 percent corporate alternative minimum tax (CAMT) as part of the Inflation Reduction Act, meaning the CAMT helped pay for the largest climate package in U.S. history. It was the first corporate tax increase in three decades.
    This year, Senator Warren worked across the aisle to guarantee automatic cash refunds for canceled flights. Senator Warren worked with Senator Josh Hawley (R-MO) to pass a bipartisan amendment to the Federal Aviation Administration (FAA) Reauthorization Act, requiring airlines to guarantee automatic cash refunds for canceled or significantly delayed flights — defeating airline lobbyists’ efforts to block the provision.
    Senator Warren pushed to get rid of junk pharma patents, paving the way for more generics to come to market. In response to Big Pharma’s abuse of the patent system, which keeps generic competitors from entering the market and lowering costs for consumers, Senator Warren pushed the U.S. Patent and Trademark Office and FDA to strengthen their oversight of pharmaceutical companies and close regulatory loopholes that these companies exploit to limit competition. She also pushed the FTC to crack down on junk patents. The FTC’s subsequent enforcement caused multiple companies to remove junk patents from the FDA’s Orange Book and contributed to the overwhelming public pressure on inhaler manufacturers that led them to slash costs for patients from hundreds of dollars to just $35.
    Read the full report here.
    Senator Warren has used her legislative power to score major wins for working people, including:
    Securing $50 billion in federal investment for Massachusetts through the American Rescue Plan Act, Infrastructure Investment and Jobs Act, Chips and Science Act, and Inflation Reduction Act.
    Preventing a collapse in child care infrastructure during the COVID-19 pandemic by rapidly developing a plan to inject $50 billion in emergency funding into the child care system and leading the Child Care is Essential Act.
    Breaking the hearing aid monopoly in partnership with Senator Chuck Grassley (R-Iowa), lowering costs for people with hearing loss.
    Securing $100 million to fight the opioid crisis and passing her slate of five bipartisan bills, as part of the SUPPORT Act.
    Safeguarding abortion care for military veterans and servicemembers.
    Protecting servicemembers from blast overpressure with a bipartisan bill (co-led with Senator Joni Ernst (R-Iowa)), many elements of which the Department of Defense later incorporated into its updated blast overpressure policies.
    Defending servicemembers’ rights by requiring the Department of Defense to create the first-ever military housing complaint database and investigate sexual assault and harassment of students in the Junior Reserve Officers’ Training Corp (JROTC).
    Securing investments in scientific research and development, and passed her bipartisan proposal to increase the inclusion of women participants in medical research, which was adopted as part of the 21st Century Cures Act.
    Passing a bipartisan bill (co-led with Senator Steve Daines (R-Mont.)) to help workers and retirees keep track of their retirement accounts across jobs.
    Cracking down on wealthy tax cheats by introducing a bill to increase funding for the IRS — a priority which was later included in the Inflation Reduction Act, which appropriated a historic $80 billion increase in IRS funding over ten years.
    Lowering prescription drug costs by championing key provisions in the Inflation Reduction Act that directly reduced the cost of insulin, limited out-of-pocket costs for prescription drugs for seniors, and allowed Medicare to negotiate drug prices with manufacturers for the first time.
    Senator Warren’s oversight work has reined in corporate abuse, including:
    Pressuring Wells Fargo CEOs John Stumpf and Tim Sloan, as well as members of the Wells Fargo Board of Directors, to resign after cheating consumers..
    Pressuring Zelle to reimburse defrauded customers and change policies to protect consumers.
    Helping to block powerful mergers that would have raised costs, including Jet Blue / Spirit, Choice Hotels / Wyndham Hotels, Aetna / Humana, and Lockheed Martin / Aerojet.
    Securing relief for victims of Corinthian College and other predatory for-profit schools.
    Holding student loan servicers accountable, leading to Navient exiting the federal student loan system.
    Protecting renters by opening an investigation into RealPage, a software that helped corporate landlords engage in apparent price fixing.
    Prompting the delisting of key sham patents in FDA’s Orange Book, paving the way for more generic competition for critical drugs.
    Helping return $16.1 million of taxpayer money to the Department of Defense from military contractor TransDigm.
    Securing ethics commitments from high-level nominees to avoid conflicts of interest and shut the revolving door.
    Senator Warren has influenced executive actions and policy-making to advance key priorities, including:
    Laying the groundwork for regulators to put money back in Americans’ pockets by curbing overdraft fees and credit card late fees.
    Successfully encouraging the FDA to follow the science and reduce barriers to accessing mifepristone, one of two drugs used in medication abortion, including by allowing the medication to be dispensed at certified pharmacies and by mail.
    Helping to ban non-competes, making wages and benefits more competitive for workers.
    Helping establish a program for millions of Americans to file their taxes directly with the IRS, for free.
    Protecting seniors by securing a minimum staffing requirement for nursing homes, which will save over 13,000 lives each year.
    Protecting retirees from bad advice from investment brokers by leading an investigation into conflicts of interest.
    Fighting against the FDA’s discriminatory blood donation ban for men who have sex with men, leading FDA to replace the policy with one that better reflects the most up-to-date science.
    Working to stop Big Tech’s attempt to sneak unfair practices into digital trade agreements.
    Leading the charge to cancel student loan debt for almost 5 million Americans.
    Sounding the alarm about bank consolidation for years, contributing to President Biden’s action to strengthen DOJ bank merger guidelines.
    Read the full report here.

    MIL OSI USA News

  • MIL-OSI USA: Warren, Lawmakers Renew Legislative Push to Stop Private Equity Looting

    US Senate News:

    Source: United States Senator for Massachusetts – Elizabeth Warren
    October 10, 2024
    Warren, Lawmakers Renew Legislative Push to Stop Private Equity Looting
    The bill would close loopholes and end incentives for private equity pillaging.
    Updated text responds to private equity’s ruinous takeover of now-bankrupt Steward Health Care, preventing a similar collapse from ever happening again.
    Text of Bill (PDF) | Text of One-Pager (PDF) | Text of Section-by-Section (PDF) | Text of Economic Analysis (PDF)
    Washington, D.C. – Today, United States Senators Elizabeth Warren (D-Mass.),Tammy Baldwin (D-Wis.), Jeff Merkley (D-Ore.), Bernie Sanders (I-Vt.), Tina Smith (D-Minn.), and Ed Markey (D-Mass.), along with Representatives Mark Pocan (D-Wis.), Pramila Jayapal (D-Wash.), Raúl Grijalva (D-Ariz.), Rick Larsen (D-Wash.), Barbara Lee (D-Calif.), Delia Ramirez (D-Ill.), Jan Schakowsky (D-Ill.), Alexandria Ocasio-Cortez (D-N.Y.), and Delegate Eleanor Holmes Norton (D-D.C.), reintroduced the Stop Wall Street Looting Act, comprehensive legislation to fundamentally reform the private equity industry and level the playing field by forcing private investment firms to take responsibility for the outcomes of companies they take over, empowering workers and protecting investors. This reintroduction comes after private equity firm Cerberus looted Steward Health Care, leaving hospitals, patients, and workers hanging out to dry.
    “Private equity takeovers are legal looting that make a handful of Wall Street executives very rich while costing thousands of people their jobs, putting valuable companies out of ­business, and in the case of health care, is literally a matter of life and death,” said Senator Warren. “Our bill is designed to close loopholes and end incentives for private equity pillaging – and it will make sure what happened at Steward never happens again.”
    “When out-of-state investors buy Wisconsin companies only to turn a quick profit and shutter their doors, it’s Wisconsin workers and communities that suffer. I’m committed to ensuring that when Wisconsin businesses are purchased, Wisconsin families are protected and not left high and dry like we’ve seen in places like Janesville, Green Bay, and Waukesha,” said Senator Baldwin. “Our legislation will help put workers and our community first – protecting them from predatory practices that too often result in devastating job losses for Wisconsin’s working families.”
    “More and more Americans are feeling the presence of private equity in our economy, including in critical sectors like housing and health care,” said Senator Smith. “They arrive promising to revitalize communities and turn around struggling hospitals and companies, but far too often, they extract value for themselves at the expense of workers and ordinary people. This bill will help put an end to their most egregious practices and provide accountability.”
    “The greed of private equity robs too many Americans of stability, security, and prosperity. In Massachusetts, the Steward Health Care crisis is just one example of private equity sacrificing the long-term prosperity of workers, customers, and communities for their short-term profits. The Stop Wall Street Looting Act would finally prevent private equity firms from monetizing productive sectors of the economy and hollowing them out by laying off workers and closing businesses. We need to put in guardrails for private equity to ensure they cannot sacrifice people for profits,” said Senator Markey.
    “It’s long past time for billionaires and big corporations to stop gambling with hardworking Americans’ and their communities’ assets in service of corporate greed,” Representative Pocan said. “In Wisconsin, we’ve seen what happens when private equity firms like Sun Capital raid companies for their wealth and leave workers and communities to pick up the pieces. When Sun Capital took over Shopko – a Wisconsin-based retail chain that had stood strong for more than 50 years – they drained it dry, buried it in debt, pushed it into bankruptcy, and abandoned roughly 14,000 workers. This bill will finally hold these predatory firms accountable and protect workers from being plundered by corporate greed.”
    Since 2020, private equity fund assets have grown exponentially, reaching nearly $8 trillion in 2023 compared to $4.5 trillion in 2020. Private equity funds have purchased companies in nearly every sector of the economy — from nursing homes, to newspapers, to grocery stores — laying off hundreds of thousands of workers and ruining thousands of companies in the process.
    The private equity industry claims to invest in companies while also earning high returns for investors by using their management expertise to make the companies’ operations more efficient, and then selling the companies at a profit. In reality, private equity funds often load mountains of debt on the companies they buy, strip them of their assets, and extract exorbitant fees and dividends, guaranteeing payouts for themselves regardless of how the investment performs. When their debt-ridden investments go belly-up, private equity funds walk away with no responsibility for the mess they create, leaving workers in the lurch and forcing communities to clean up their mess.
    It’s time to level the playing field, protect workers, consumers, and investors, and force private equity firms to take responsibility for the companies they control. This bill does so by closing the loopholes that allow private equity to capture all the rewards of their investments while insulating themselves from risk and liability. The Stop Wall Street Looting Act will:
    Require Private Investment Funds to Have Skin in the Game: Private equity firms, the firm’s general partners, and their insiders will all be on the hook for the liabilities of companies under their control—including debt, legal judgments, and pension-related obligations—to better align the incentives of private equity firms and the companies they own. Liability would not extend to the fund’s limited partners, ensuring that only those that control portfolio firms are on the hook. In order to encourage more responsible use of debt, the bill ends the tax subsidy for excessive leverage and closes the carried interest loophole.
    End Looting of Portfolio Companies. To give portfolio companies a shot at success, the bill limits how much money private equity firms can extract from companies and closes the loophole that private equity firms have used to hide certain assets from bankruptcy courts. Every transaction since Steward Health Care was bought by private equity would be subject to review as part of Steward’s bankruptcy to determine whether it can be clawed back as a fraudulent transfer.
    Protect Workers, Customers and Communities. This proposal prevents private equity firms from walking away when a company fails and protects workers and communities by:
    Prioritizing workers’ pay in the bankruptcy process and amending the laws to increase the priority claims for unpaid earnings and other benefits from $10,000 to $20,000 per worker.
    Creating incentives for job retention so that workers can benefit from a company’s second chance.
    Ending the immunity of private equity firms from legal liability when their portfolio companies break the law, including the WARN Act. When workers at a plant are shortchanged or residents at a nursing home are hurt because private equity firms force portfolio companies to cut corners, the firm should be liable.
    Expanding protections for striking workers by clarifying unfair labor practices and the employer duty to bargain.
    Empower Investors by Increasing Transparency. Private equity managers will be required to disclose fees, returns, and other information about their funds and the corporate loans they make so that investors can monitor their investments. This would have required Cerberus to disclose the terms of its investments in Steward Health Care, which Cerberus continues to withhold from Congress.
    Put Guardrails Around Accessing Public Funds. Firms receiving any funds from a federal or state agency must publicly disclose how the funds are used and will be prohibited from acquiring any company or making a distribution to investors for two years after receipt.
    Drive REITS out of Health Care. Prohibits payments from federal health programs to entities that sell assets or use assets for a loan collateral made to a Real Estate Investment Trust (REIT) d; repeals a rule in the Tax Code that allows taxable REIT subsidiaries to exert influence on the operations of health care entities; and removes the 20 percent pass-through deduction, passed in the 2017 Trump tax cuts, for all REIT investors. Ralph de la Torre executed a sale-leaseback transaction of the Steward properties in exchange for a $1.25B payout from a REIT; this would have banned the hospitals from continuing to receive federal dollars upon executing the property sale—thus likely preventing the sale.
    The bill is supported by Action Center on Race and the Economy, AFL-CIO, American Economic Liberties Project, American Federation of Teachers, Americans for Financial Reform, Center for Popular Democracy, Coalition for Patient-Centered Care, Communications Workers of America, Community Catalyst, Economic Policy Institute, Indivisible, Massachusetts Nurses Association, National Employment Law Project, National Nurses United, National Women’s Law Center, Private Equity Stakeholder Project, People’s Action, Public Citizen, SEIU, Strong for All, Student Borrower Protection Center, Take Medicine Back, Take on Wall Street, UNITE HERE, United for Respect, Working Families Party, and Worth Rises.
    “Private equity has an immense impact on the U.S. economy, touching virtually every aspect of life from healthcare to housing to technology to retail and more. Private equity’s extractive playbook harms workers and communities, diminishes access to quality affordable health care, worsens the housing crisis and the climate crisis, and perpetuates systemic racism. Without major changes, a handful of ultra wealthy Wall Street executives will continue getting richer at everyone else’s expense. The Stop Wall Street Looting Act takes important, much needed steps to reign in Wall Street predatory practices and promote a just and sustainable economy,” said Lisa Donner, Executive Director, Americans for Financial Reform.
    “Union busting, pollution, and bankruptcy aren’t side effects of the private equity model: they are the model,” said Porter McConnell, Take on Wall Street. “It’s a smash-and-grab, plain and simple. That’s why we are so pleased to see comprehensive legislation like the Stop Wall Street Looting Act introduced in Congress today. We created the loopholes in the law that allowed the private equity industry to thrive, and we can end them. Our communities, our economy, and our democracy are depending on it.” 
    “As we fight for more public investment in the child care sector, we must also rein in private equity’s ability to enrich themselves at the expense of the public. Building guardrails – such as those in the Stop Wall Street Looting Act – will help put the wellbeing of children and families ahead of private equity’s profits,” said Melissa Boteach, Vice President, Income Security and Child Care/Early Learning, National Women’s Law Center.
    “Private equity firms, which control nearly $15 trillion in assets, routinely prioritize quick, outsized profits, at the expense of workers, patients, renters, and local economies as part of their business model,” said Chris Noble, Policy Director for the Private Equity Stakeholder Project. “The Stop Wall Street Looting Act provides an essential check on this opaque industry. By addressing the systemic risks tied to debt-laden private equity buyouts, this legislation prioritizes the long-term health of businesses and communities over short-term profits for wealthy private equity executives.” 
    “Private equity should have no influence over medical treatment decisions made jointly by independent physicians and their patients. The Stop Wall Street Looting Act goes a long way towards ensuring physicians, in consultation with their patients, are able to deliver quality, patient-centered, cost-efficient care without corporate interference,” said Dr. Stephen M. McCollam, Chair, Coalition for Patient-Centered Care.
    “Wall Street private equity firms have proven themselves to be a parasite on workers, our economy, and American retailers by gutting companies for profit and driving mass layoffs. Holding billionaire profiteers accountable for the damage they do to our working families and communities is imperative to addressing growing economic inequality,” said United for Respect Co-Executive Directors Bianca Agustin and Terrysa Guerra in a joint statement. “The Stop Wall Street Looting Act will help close loopholes in our laws that for too long have allowed private equity to pillage companies and amass huge profits while workers lose their jobs and are left with nothing. United For Respect is proud to support this bill — and we need all legislators to join us in protecting workers and putting Wall Street on the hook for the havoc they reap.”

    MIL OSI USA News

  • MIL-OSI USA News: FACT SHEET: Biden-⁠ Harris Administration Celebrates International Day of the Girl and Continues Commitment to Supporting Youth in the U.S. and  Abroad

    Source: The White House

    International Day of the Girl provides an opportunity to celebrate the leadership of girls around the world and recommit to addressing the barriers that continue to limit their full participation. Today, to commemorate International Day of the Girl, First Lady Jill Biden will host the second “Girls Leading Change” event at the White House to recognize outstanding young women from across the United States who are making a difference in their communities. This year’s event will honor 10 young women leaders, selected by the White House Gender Policy Council, who are leading change and shaping a brighter future for generations to come.  

    The Biden-Harris Administration is committed to ensuring that girls can pursue their dreams free from fear, discrimination, violence, or abuse; and to advancing the safety, education, health, and wellbeing of girls everywhere. Investing in young people means investing in our future; and they should have the opportunity and resources they need to succeed.

    That’s why, since day one in office, this Administration has taken action to advance the safety, education, health, and well-being of girls, including:

    • Accelerating Learning and Improving Student Achievement. The American Rescue Plan, the largest one-time education investment in our history, included $130 billion to help schools address the impact of the pandemic on student well-being and academic achievement. To sustain these efforts, the Biden-Harris Administration increased funding and targeting of federal grants to better support academic recovery—from the Education Innovation and Research program to extended-day and afterschool programming through 21st Century Community Learning Centers. And the Administration’s Improving Student Achievement Agenda for 2024 is helping accelerate academic performance for every child in school.
    • Canceling Student Debt. President Biden and Vice President Harris vowed to fix the federal student loan program and make sure higher education is a ticket to the middle class—not a barrier to opportunity. The Biden-Harris Administration has approved nearly $170 billion in loan forgiveness for almost 5 million borrowers through more than two dozen executive actions with the goal of helping these borrowers get more breathing room in their daily lives, access economic mobility, buy homes, start businesses, and pursue their dreams.
    • Cutting Child Poverty Nearly in Half in 2021. President Biden and Vice President Harris believe that no child should grow up in poverty. Their expansion of the Child Tax Credit helped cut child poverty nearly in half in 2021 to a record low of 5.2%. President Biden and Vice President Harris are fighting to restore this expansion, which would lift over a million girls out of poverty and narrow racial disparities. The Biden-Harris Administration has also lifted hundreds of thousands of girls out of poverty by updating the Thrifty Food Plan and creating SunBucks, a new program that helps low-income families afford groceries over the summer when they don’t have access to school meals.
    • Supporting Youth Mental Health. President Biden and Vice President Harris believe that health care is a right, not a privilege, and that mental health care is health care—period. That’s why they invested almost $1.5 billion to strengthen the 988 Suicide & Crisis Lifeline and launched the National Mental Health Strategy, with ongoing investments to strengthen the mental health workforce, ensure parity for mental health and substance use care, connect Americans to care, and better protect youth from the harms of social media. The Biden-Harris Administration is also delivering the largest investments in school-based mental health services ever, bringing 14,000 new mental health professionals into schools across the country and making it easier for schools to leverage Medicaid to deliver care.
       
    • Preventing Gun Violence, Including Domestic Violence with Firearms. Gun violence is the leading killer of children and teenagers in the United States. President Biden and Vice President Harris have taken historic executive action to reduce gun violence and violent crime. In 2022, President Biden signed into law the Bipartisan Safer Communities Act (BSCA), the most significant new gun safety legislation in nearly 30 years. The intersection between guns and domestic violence can be especially deadly, and BSCA expanded background checks to keep guns out of the hands of more domestic abusers, narrowed the “boyfriend loophole” so an individual convicted of a misdemeanor crime of domestic violence against a dating partner is prohibited from purchasing a firearm, and expanded funding for red flag laws that allow for temporary removal of firearms from an individual who is a danger to themselves or others. President Biden established the first-ever Office of Gun Violence Prevention, overseen by Vice President Harris. The Biden-Harris Administration has made historic investments in law enforcement and community-led crime prevention and intervention strategies and has announced more executive actions to reduce gun violence than any other administration. Most recently, building on life-saving actions that the Administration has already taken, President Biden signed a new Executive Order in September 2024 to improve school-based active shooter drills and combat emerging firearms threats. The President and Vice President also announced new actions to support survivors of gun violence, promote safe gun storage, fund community violence intervention, and improve the gun background check system, among other actions.
       
    • Launching the American Climate Corps. President Biden launched the American Climate Corps to give a diverse new generation of young people the tools to fight the impacts of climate change today and the skills to join the clean energy and climate-resilience workforce of tomorrow. The American Climate Corps is tackling the climate crisis, including by restoring coastal ecosystems, strengthening urban and rural agriculture, investing in clean energy and energy efficiency, improving disaster and wildfire preparedness, and more. More than 15,000 young Americans have already been put to work in high-quality, good-paying clean energy and climate resilience workforce training and service opportunities through the American Climate Corps—putting the program on track to reach President Biden’s goal of 20,000 members in the program’s first year ahead of schedule.
       
    • Providing Children with Healthier, More Sustainable Environments. The Environmental Protection Agency’s Clean School Bus Program has awarded nearly $3 billion and funded approximately 8,700 electric and low-emission school buses nationwide, protecting children from air pollution by transforming school bus fleets across America. The Biden-Harris Administration also invested $15 billion toward replacing every toxic lead pipe in the country within a decade, protecting children and schools from lead exposure that can cause irreversible harm to cognitive development and hamper children’s learning. And earlier this year, the Environmental Protection Agency provided $58 million to protect children from lead in drinking water at schools and child care facilities.
    • Fighting Online Harassment and Abuse. Online harassment and abuse is increasingly widespread in today’s digitally connected world and disproportionately affects women, girls, and LGBTQI+ individuals. President Biden established the White House Task Force to Address Online Harassment and Abuse to coordinate comprehensive actions from more than a dozen federal agencies, and his Executive Order on artificial intelligence directs federal agencies to address deepfake image-based abuse. The Department of Justice also funded the first-ever national helpline to provide 24/7 support and specialized services for victims of online harassment and abuse, including the non-consensual distribution of intimate images; raised awareness of new legal protections against the non-consensual distribution of intimate images that were included in the Violence Against Women Act Reauthorization Act of 2022; and funded a new National Resource Center on Cybercrimes Against Individuals.
    • Keeping Students Safe and Addressing Campus Sexual Assault. The Department of Education restored and strengthened vital Title IX protections against discrimination on the basis of sex for students and employees. The Department of Justice awarded more than $20 million in FY 2024 to support colleges and universities in preventing and responding to sexual assault, domestic violence, dating violence, and stalking. And the Department of Education—in collaboration with the Departments of Justice and Health and Human Services—launched a Task Force on Sexual Violence in Education that has released data on sexual violence at educational institutions and is working to improve sexual violence prevention and response on campus.
    • Supporting Vulnerable Youth. The Biden-Harris Administration has taken action to support the needs of vulnerable and underserved youth—from helping prevent youth homelessness and human trafficking to supporting employment initiatives for youth with disabilities. This includes $800 million in dedicated funding to support students experiencing homelessness through the President’s American Rescue Plan. The Department of Health and Human Services also issued landmark rules to improve the child welfare system, particularly for the most vulnerable children, and to advance the safety and wellbeing of families across the country, including for LGBTQI+ children in foster care. And the Department of Justice has funded programs to help communities develop, enhance, or expand early intervention programs and treatment services for girls who are involved in the juvenile justice system.

    The Biden-Harris Administration has also taken action to support girls around the globe by fighting to advance the human rights of women and girls and promote access to education, health, and safety, including:

    • Promoting Girls’ Education Globally. The United States is investing in girls’ education around the world, which in turn advances health and economic development. The U.S. Agency for International Development (USAID) invested more than $2.5 billion from FY 2021-2023 to increase access to quality basic and higher education, and reached 18.7 million girls and women in 69 countries in FY23 alone to advance gender equality in and through education. The Departments of State and Labor have also supported efforts to promote girls’ education through science, technology, engineering, and mathematics (STEM) education programs in Kenya and Namibia, as well as technical and vocational education training centers for adolescent girls in Ethiopia. The United States has strongly condemned the restriction of girls’ education in Afghanistan, including by restricting visas for individuals believed to be responsible for, or complicit in, repressing women and girls by limiting or prohibiting access to education.
    • Closing the Gender Digital Divide. Last year, Vice President Harris launched the Women in the Digital Economy Fund (Wi-DEF) to accelerate progress towards closing the gender digital divide. To date, Wi-DEF has raised over $80 million, including an initial $50 million commitment from USAID. Building on the success of the Fund, the Women in the Digital Economy Initiative includes commitments from governments, private sector companies, foundations, civil society, and multilateral organizations that have pledged more than $1 billion to accelerate gender digital equality. This Initiative supports girls’ access to digital learning opportunities, provides employment and educational skills, and helps fulfill the historic commitment of G20 Leaders to halve the digital gender gap by 2030. Since the launch of Wi-DEF, the United States has invested $102 million in direct and aligned commitments to closing the gender digital divide and accelerating gender digital equality.
    • Preventing and Responding to Online Harassment and Abuse Globally. To address the scourge of online harassment and abuse against girls and women, the Biden-Harris Administration launched the 15-country Global Partnership for Action on Gender-Based Online Harassment and Abuse, which has advanced international policies to address online safety and supported programs to prevent and respond to technology-facilitated gender-based violence. Since the Global Partnership was launched in 2022, the Department of State has supported projects in every region to prevent, document, and address technology-facilitated gender-based violence, cultivate safe online use, and respond to survivors’ needs. 
    • Championing Girls’ Leadership in Addressing the Climate Crisis. In 2023, Vice President Harris announced the Women in the Sustainable Economy Initiative—an over $2 billion public-private partnership to promote women’s access to jobs in the green and blue industries of the future—including by advancing girls’ access to STEM education. Through WISE, the Department of State is investing more than $12 million in programs to benefit girls, including programs that promote girls’ economic skills and opportunities in STEM and that foster girls’ roles in leading, shaping, and informing equitable and inclusive climate policies and actions.
    • Strengthening HIV Prevention Services for Girls. To address key factors that make adolescent girls and young women particularly vulnerable to HIV, the United States launched the DREAMS (Determined, Resilient, Empowered, AIDS-free, Mentored, and Safe) public-private partnership as part of the President’s Emergency Plan for AIDS Relief (PEPFAR) in 2014. Announced in 2023, PEPFAR’s DREAMS NextGen program is the next phase of DREAMS that will take a more nuanced approach that is responsive to the current context within each of the 15 DREAMS countries. PEPFAR has invested more than $2 billion in comprehensive HIV prevention programming for girls through DREAMS—including $1.3 billion since the start of the Administration—and the program reaches approximately 2.5 to 3 million girls annually.
    • Increasing Efforts to End Child Marriage Globally. To address the global scourge of child, early, and forced marriage, USAID and the Department of State invested $86 million in 27 countries to support programs that prevent and respond to this harmful practice, including by equipping girls and young women with education and workforce readiness skills; providing education, health, legal, and economic support; and raising awareness. Under the leadership of the Biden-Harris Administration, the United States also made its first-ever contribution to the UNICEF-UNFPA Global Programme to End Child Marriage, which works in 12 countries in Africa and South Asia to promote the rights of adolescent girls, and is contributing more than $2 million in FY 2024 to UNFPA to help reach refugee adolescent girls and prevent child marriages in humanitarian settings.
    • Leading Programs to End Female Genital Mutilation and Cutting. To address the harmful practice of female genital mutilation and cutting (FGM/C), USAID invested in programs to address this issue in Djibouti, Egypt, Mauritania, and Nigeria. The United States is a long-standing donor to the UNICEF-UNFPA Joint Programme on the Elimination of Female Genital Mutilation, and invested $20 million from FY 2020-FY 2023 in this partnership, which has succeeded in advocating for legal and policy frameworks banning FGM/C in 14 of 17 countries and supported more than 6.3 million women and girls with FGM/C-related protection and care services.
    • Promoting Young Women’s Civic and Political Participation. The Biden-Harris Administration has advanced the political and civic participation of women and girls as a pillar of democracy promotion efforts worldwide. The Administration launched Women LEAD, a $900 million public-private partnership focused on building the pipeline of women leaders around the world, including by supporting programs to reach girls and young women. Under this umbrella, the USAID-led Advancing Women’s and Girls’ Civic and Political Leadership Initiative provides more than $25 million to identify and dismantle the individual, structural, and socio-cultural barriers to the political empowerment of women and girls in ten focus countries: Côte d’Ivoire, Nigeria, Tanzania, Kenya, Colombia, Ecuador, Honduras, Kyrgyz Republic, Yemen, and Fiji. Furthermore, the State Department is launching a new $1.25 million program in Africa that will empower and equip young women leaders to take on decision-making roles in democratic transition processes.
    • Protecting Girls in Humanitarian Emergencies. The United States government has increased its support for girls in humanitarian and fragile contexts. Since 2021, USAID has more than doubled the percentage of its humanitarian budget allocated to the protection sector, which includes child protection and gender-based violence activities serving girls. In FY 2023, USAID provided $163 million specifically towards addressing gender-based violence in humanitarian emergencies. In 2022, USAID and the Department of State launched Safe from the Start: ReVisioned, which seeks to better address the needs of girls and women from the onset of a conflict or crisis.
    • Combatting Child Trafficking. To combat child trafficking, including trafficking of girls, the Department of State has committed $37.5 million through Child Protection Compacts, building capacity in Jamaica, Peru, and Mongolia, and establishing new partnerships with Colombia, Cote d’Ivoire, and Romania. These partnerships strengthen country responses to child trafficking to more effectively prosecute and convict traffickers, provide comprehensive trauma-informed care for child victims—including girls—and prevent child trafficking in all its forms.

    ###

    MIL OSI USA News

  • MIL-OSI Security: Attorney General Merrick B. Garland Delivers Remarks Announcing TD Bank’s Guilty Plea for Bank Secrecy Act and Money Laundering Conspiracy Violations in $1.8B Resolution

    Source: United States Attorneys General 2

    Remarks as Delivered

    Good afternoon everyone. Before we get started today, I want to extend my sympathy to the millions of Americans who’ve had their lives turned upside down by Hurricane Milton and Hurricane Helene.

    I know I speak for all of us in expressing my gratitude to the first responders on the ground who are carrying out rescue missions. And I want to thank all of the volunteers who are helping their neighbors get through these storms.

    And now to the subject of today’s announcement.

    Today, TD Bank pled guilty to multiple felonies, including conspiring to violate the Bank Secrecy Act and commit money laundering. TD Bank has also agreed to a $1.8 billion criminal penalty. Combined with civil enforcement actions announced today by other agencies, the United States will be imposing a total [penalty] of approximately $3 billion against TD Bank.

    TD Bank created an environment that allowed financial crime to flourish. By making its services convenient for criminals, it became one.

    Today, TD Bank became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures and the first U.S. bank in history to plead guilty to conspiracy to commit money laundering.

    This is also the largest-ever penalty under the Bank Secrecy Act and the first time the Justice Department has assessed a daily fine against a bank.

    As part of the plea agreement, TD Bank will fundamentally restructure its corporate compliance program at its U.S.-based bank, which is the 10th largest in the United States.

    The bank has also agreed to the imposition of a three-year monitorship and a five-year term of probation. While the bank has started its remediation, it will continue to remediate and improve its anti-money laundering compliance program to ensure that the bank operates lawfully and safely moving forward.

    In addition to obtaining today’s corporate felony pleas, the Justice Department has also prosecuted two dozen individuals for their involvement in money laundering schemes that moved over $670 million in illicit funds through TD Bank accounts. So far, the Justice Department has charged two TD Bank employees for their involvement in one of these schemes.

    Pursuant to the plea agreement, TD Bank is required to fully cooperate with the Justice Department’s investigation of the bank and any of its officers, directors, and employees. If the bank fails to do so, it will again be subject to criminal prosecution, in which the statement of facts that are part of the plea agreement may be used as evidence against it.

    Our criminal investigations into individual employees at every level of TD Bank are active and ongoing.

    As is the case in all corporate criminal matters, no one involved in TD Bank’s illegal conduct will be off limits. We will follow the evidence wherever it leads.

    Federal anti-money laundering laws are designed to prevent criminals from using U.S. banks to fuel their crimes.

    Our laws dictate that the narcotics traffickers who flood our communities with deadly drugs cannot use American financial institutions to move their money.

    And our anti-money laundering laws dictate that a bank that willfully fails to protect against criminal schemes is also a criminal.

    That is what TD Bank was, because it failed to maintain an adequate anti-money laundering program between January 2014 and October 2023.

    Over a six-year period, TD Bank failed to monitor $18.3 trillion in customer activity.

    As TD Bank admitted in its plea agreement, this allowed three money laundering networks to transfer over $670 million through TD Bank accounts. At least one of those schemes involved five TD Bank employees.

    The bank maintained an automated transaction monitoring system that was supposed to detect and generate alerts on suspicious transactions and activities. But that system was willfully deficient.

    As the bank admitted in the statement of facts, which it filed today, at various times high-level executives, including the person who became the bank’s chief anti-money laundering officer, knew there were serious problems with the bank’s anti-money laundering program. But the bank failed to correct them.

    Three money laundering networks took advantage of TD Bank’s failed anti-money laundering system.

    First, over the course of a three-year period, a person who TD Bank employees knew as David moved over $470 million in illicit funds through TD Bank branches in the United States.

    David has separately pled guilty to laundering drug proceeds through the bank.

    David had attempted to launder money through numerous financial institutions. But he found that TD Bank had the most permissive policies and procedures and chose to launder most of his funds there.

    He also bribed TD Bank employees with more than $57,000 in gift cards in furtherance of his scheme.

    David’s illegal conduct was obvious, to say the least. On more than one occasion, he deposited more than $1 million in cash in a single day. He then immediately moved the funds out of the bank using official bank checks and wire transfers.

    TD Bank employees at many levels understood and acknowledged the likely illegality of David’s activity.

    In August 2020, one TD Bank store manager emailed another store manager and remarked, “You guys really need to shut this down LOL.”

    In late 2020, another store manager implored his supervisors — several TD Bank regional managers — to act, noting that “[i]t is getting out of hand and my tellers are at the point that they don’t feel comfortable handling these transactions.”

    In February 2021, one TD Bank store employee saw that David’s network had purchased more than $1 million in official bank checks with cash in a single day. The employee asked: “How is that not money laundering.” A back-office employee responded, “oh it 100% is.”

    In a second, separate money laundering scheme, five TD Bank employees conspired with criminal organizations to open and maintain accounts at the bank that were used to launder $39 million to Colombia, including drug proceeds.

    That money laundering organization reused the same Venezuelan passports to open multiple accounts at TD Bank. It sometimes used the same passport to obtain multiple debit cards for a single account.

    Despite significant internal red flags, the bank did not identify that its own employees were conspiring to launder tens of millions of dollars to Colombia, until law enforcement arrested one of them.

    In yet a third scheme, outlined in today’s charges, a money laundering network maintained accounts at TD Bank for at least five shell companies. It used those accounts to move over $100 million in illicit funds through the bank.

    Even though retail employees flagged suspicious activity connected to those accounts, the bank did not file a suspicious activity report until law enforcement alerted the bank to the money laundering network’s activity. By that time, the accounts had been open for over 13 months and had been used to transfer nearly $120 million.

    On multiple occasions, bank employees openly joked about the bank’s enabling of criminal activity.

    In one instance a compliance employee asked a manager what “the bad guys” thought about the bank. The manager replied: “Lol. Easy target.”

    Other employees consistently joked on the bank’s instant messaging platform about the bank’s motto, “America’s Most Convenient Bank.” They linked it to the bank’s approach to combating money laundering.

    For example, a compliance employee asked a colleague why “all the really awful ones bank here lol.”

    The colleague replied: “because … we are convenient.”

    There is nothing wrong with a bank that tries to make its services convenient for its honest customers.

    But there is something terribly wrong with a bank that knowingly makes its services convenient for criminals.

    The Bank Secrecy Act requires financial institutions like TD Bank to establish and maintain compliance programs that guard against money laundering.

    But TD Bank chose profits over compliance, in order to keep its costs down.

    That decision is now costing the bank billions of dollars in criminal and civil penalties.

    Less than a year ago, the Justice Department secured felony guilty pleas from Binance, the world’s largest cryptocurrency exchange, and from its founder and CEO. We also obtained one of the largest corporate penalties in U.S. history.

    The Department’s actions against both Binance and TD Bank are a reminder that financial institutions in this country have an obligation to guard against criminals exploiting their services.

    The Justice Department will aggressively prosecute any company that fails to do so.

    I want to express my gratitude to the public servants of the Justice Department’s Criminal Division, the U.S. Attorney’s Office for the District of New Jersey, and the DEA for their extraordinary work on this case. We are also grateful to IRS Criminal Investigation, the FDIC’s Office of Inspector General, FinCEN, and our other federal, state, and local partners for their work.

    I am proud of them.

    I will now turn the podium over to Deputy Attorney General Monaco.

    MIL Security OSI

  • MIL-OSI Security: Principal Deputy Assistant Attorney General Nicole M. Argentieri Delivers Remarks Announcing TD Bank’s Guilty Plea for Bank Secrecy Act and Money Laundering Conspiracy Violations in $1.8B Resolution

    Source: United States Attorneys General

    Remarks as Prepared for Delivery

    Thank you, Deputy Secretary Adeyemo. I’m Nicole Argentieri, head of the Criminal Division.

    Today, we are announcing the guilty plea of TD Bank, the 10th largest retail bank in the United States, for Bank Secrecy Act violations and money laundering. Over the course of a decade, TD Bank placed profits over compliance, prioritizing a “flat cost paradigm” that limited spending across the bank — including on the bank’s anti-money laundering (AML) compliance program, despite growing risks — even while profits soared.

    The bank knew it had pervasive and systemic deficiencies in its AML program, including a transaction monitoring system that remained stagnant over the course of 10 years despite warnings from regulators, consultants, and even its own employees.

    AML employees joked that the Bank’s failed AML system made TD an “easy target” and a “convenient” bank for bad actors. And they were right. TD’s failed AML compliance program created vulnerabilities that criminals — including TD’s own employees — used to launder money through the Bank.

    All told, three large money laundering networks, two prosecuted by our partners in the District of New Jersey and the third prosecuted in the District of Puerto Rico, laundered over $670 million through TD.

    And in one of these schemes, five bank insiders helped. These TD Bank employees opened and maintained accounts for money laundering networks and provided dozens of ATM cards that the launderers used to withdraw funds in Colombia, shortly after the money was deposited in the United States. The insiders took kickbacks for their work, sometimes using the very debit cards they issued to the money laundering organization to take their cut. Through the TD accounts these five insiders opened, the laundering networks moved over $39 million in illicit funds.

    That’s why today, TD Bank is pleading guilty not only to violating the Bank Secrecy Act. It’s also pleading guilty to money laundering. Because TD Bank’s inadequate AML program allowed bank insiders to facilitate a significant money laundering scheme. This resolution, in addition to the historic daily BSA fine we have imposed, sends a clear message to U.S. banks — you are the first line of defense. When you criminally fail to protect your own bank from money laundering you put our financial system at risk, and we will hold you accountable.

    But it’s never too late to do the right thing. After TD learned of our investigation, the Bank provided strong cooperation. For example, TD identified additional misconduct and provided evidence of that misconduct to the department. Some of that evidence helped advance our investigation of individuals, including video surveillance footage TD provided after reviewing hundreds of hours of videotape and materials recovered because TD secured the workplaces of employees involved in misconduct.

    What’s more, TD took steps on its own to hold its employees financially accountable. The Bank clawed back bonuses, including for its CEO and other executives, resulting in a dollar-for-dollar reduction of the Bank’s fine of approximately $2 million, consistent with the Criminal Division’s Pilot Program on Compensation Incentives and Clawbacks. Under that pilot program, as of today, 10 companies that have resolved with the Criminal Division have implemented compliance metrics in their compensation system. But today’s resolution marks a first. This is the first time a company has committed to clawing back compensation prospectively. Over the next few months, TD will identify additional compensation it will claw back from its employees. And if the bank is successful during the term of its agreement with the department, the Criminal Division will credit those clawbacks against the fine.

    TD has also started on the path to reform, beginning to remediate its compliance system, committing to additional compliance enhancements, and agreeing to retain an independent compliance monitor. That monitor will closely assess TD’s compliance with our agreement while moving swiftly to ensure that TD makes necessary reforms. Under the close oversight of the department and the monitor, TD can right this ship. While there is a long road ahead, today’s resolution demonstrates that accepting responsibility and cooperating with the department can ensure that even the largest companies can be held accountable for serious crimes, but also choose a different path and successfully move their business forward in full compliance with the law.

    I want to thank our trial attorneys in the Money Laundering and Asset Recovery Section’s Bank Integrity Unit and our partners in the District of New Jersey, along with our law enforcement partners at IRS-Criminal Investigation, Federal Deposit Insurance Corporation Office of Inspector General, and Drug Enforcement Administration. And now I’ll turn it over to the U.S. Attorney for the District of New Jersey, Philip Sellinger.

    MIL Security OSI

  • MIL-OSI USA: Pappas Holds Medal Ceremony Honoring WWI “Hello Girl” Grace Derby Banker

    Source: United States House of Representatives – Congressman Chris Pappas (D-NH)

    Today Congressman Chris Pappas (NH-01), Ranking Member of the Veterans’ Affairs Subcommittee on Disability Assistance and Memorial Affairs (DAMA), held a medal ceremony to honor “Hello Girl” Grace Derby Banker. During the ceremony, Pappas presented a World War I Victory Medal and a World War I Victory Button Bronze in recognition of Grace Derby Banker’s service to our nation with the U.S. Army Signal Corps to her granddaughter, Carolyn Timbie.

    During World War I, women from across the country served as telephone operators in the U.S. Army Signal Corps, nicknamed “Hello Girls”. After their service, they were treated as citizen volunteers and not given recognition as members of the military. It was not until 1977 with the G.I. Improvement Bill signed into law that the Hello Girls finally received recognition for their service from the government, given discharges from the military, and granted veteran benefits.

    In June, Carolyn Timbie reached out to Congressman Pappas’s office for assistance in securing the WWI Victory Medal for her grandmother, Grace Derby Banker who served during World War I as chief operator of mobile for the American Expeditionary Forces in the U.S. Army Signal Corps or a “Hello Girl”. In 1919, Banker received a Distinguished Service Medal for her work and leadership. It was confirmed last month that Grace Derby Banker was entitled to these additional awards.

    “Grace Derby Banker’s story is powerful and it is uniquely American. During World War I, Grace Derby Banker used her experience as a telephone operator in civilian life to serve her country in the American Expeditionary Forces in the U.S. Army Signal Corps. She led thirty-three women, served in harsh conditions, and was often on the front lines for nearly two years. Their work was essential to maintain consistent communications between the various battle elements, no doubt saving lives and helping bring about victory,” said Congressman Pappas. “It was an honor for my office to assist Carolyn Timbie in securing the WWI Victory Medal and the WWI Victory Medal Bronze in recognition of Grace Derby Banker’s service, as well as a new copy of the Distinguished Service Award medal. These are small tokens of our appreciation for the service and sacrifice of Grace Derby Banker. I want to thank Carolyn Timbie for her advocacy on behalf of her grandmother and for working so hard to keep the story of the Hello Girls alive and well, and I would urge any veteran or military family that is looking for help or assistance of any kind to reach out to my office.”

    “It has been an absolute honor and pleasure to be here today with Congressman Pappas and all the supporters of my grandmother Grace Derby Banker, along with the supporters for the Hello Girls Congressional Gold Medal Act. We have waited 106 years for my grandmother to receive this honor, and we could not have done it without the assistance of Congressman Pappas’s office,” said Carolyn Timbie, granddaughter of Hello Girl Grace Derby Banker.

    Congressman Pappas’s offices are available to assist Granite Staters in the First District with federal agencies, such as the Department of Veterans Affairs, the IRS, the Social Security Administration, and more.

    MIL OSI USA News

  • MIL-OSI USA: TD Bank Pleads Guilty to Bank Secrecy Act and Money Laundering Conspiracy Violations in $1.8B Resolution

    Source: US State of Vermont

    WASHINGTON — TD Bank N.A. (TDBNA), the 10th largest bank in the United States, and its parent company TD Bank US Holding Company (TDBUSH) (together with TDBNA, TD Bank) pleaded guilty today and agreed to pay over $1.8 billion in penalties to resolve the Justice Department’s investigation into violations of the Bank Secrecy Act (BSA) and money laundering. 

    TDBNA pleaded guilty to conspiring to fail to maintain an anti-money laundering (AML) program that complies with the BSA, fail to file accurate Currency Transaction Reports (CTRs), and launder money. TDBUSH pleaded guilty to causing TDBNA to fail to maintain an AML program that complies with the BSA and to fail to file accurate CTRs.

    TD Bank’s guilty pleas are part of a coordinated resolution with the Board of Governors of the Federal Reserve Board (FRB), as well as the Treasury Department’s Office of the Comptroller of the Currency (OCC) and Financial Crimes Enforcement Network (FinCEN).

    “By making its services convenient for criminals, TD Bank became one,” said Attorney General Merrick B. Garland. “Today, TD Bank also became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money laundering. TD Bank chose profits over compliance with the law — a decision that is now costing the bank billions of dollars in penalties. Let me be clear: our investigation continues, and no individual involved in TD Bank’s illegal conduct is off limits.”

    “For years, TD Bank starved its compliance program of the resources needed to obey the law. Today’s historic guilty plea, including the largest penalty ever imposed under the Bank Secrecy Act, offers an unmistakable lesson: crime doesn’t pay — and neither does flouting compliance,” said Deputy Attorney General Lisa Monaco. “Every bank compliance official in America should be reviewing today’s charges as a case study of what not to do. And every bank CEO and board member should be doing the same. Because if the business case for compliance wasn’t clear before — it should be now.”

    “For nearly a decade, TD Bank failed to update its anti-money laundering compliance program to address known risks. As bank employees acknowledged in internal communications, these failures made the bank an ‘easy target’ for the ‘bad guys.’ These failures also allowed corrupt bank employees to facilitate a criminal network’s laundering of tens of millions of dollars,” said Principal Assistant Attorney General Nicole M. Argentieri, head of the Justice Department’s Criminal Division. “U.S. financial institutions are the first line of defense against money laundering and illicit finance. When they participate in crime rather than prevent it, we will not hesitate to hold them accountable to the fullest extent of the law.” 

    “TD Bank prioritized growth and convenience over following its legal obligations,” said U.S. Attorney Philip R. Sellinger for the District of New Jersey. “As a result of staggering and pervasive failures in oversight, it willfully failed to monitor trillions of dollars of transactions – including those involving ACH transactions, checks, high-risk countries, and peer-to-peer transactions – which allowed hundreds of millions of dollars from money laundering networks to flow through the bank, including for international drug traffickers. The bank was aware of these risks and failed to take steps to protect against them, including for two networks prosecuted in New Jersey and elsewhere – one that dumped piles of cash on the bank’s counters and another that allegedly withdrew amounts from ATMs 40 to 50 times higher than the daily limit for personal accounts.”

    According to court documents, between January 2014 and October 2023, TD Bank had long-term, pervasive, and systemic deficiencies in its U.S. AML policies, procedures, and controls but failed to take appropriate remedial action. Instead, senior executives at TD Bank enforced a budget mandate, referred to internally as a “flat cost paradigm,” requiring that TD Bank’s budget not increase year-over-year, despite its profits and risk profile increasing significantly over the same period. Although TD Bank maintained elements of an AML program that appeared adequate on paper, fundamental, widespread flaws in its AML program made TD Bank an “easy target” for perpetrators of financial crime.

    Over the last decade, TD Bank’s federal regulators and TD Bank’s own internal audit group repeatedly identified concerns about its transaction monitoring program, a key element of an appropriate AML program necessary to properly detect and report suspicious activities. Nonetheless, from 2014 through 2022, TD Bank’s transaction monitoring program remained effectively static, and did not adapt to address known, glaring deficiencies; emerging money laundering risks; or TD Bank’s new products and services. For years, TD Bank failed to appropriately fund and staff its AML program, opting to postpone and cancel necessary AML projects prioritizing a “flat cost paradigm” and the “customer experience.”

    Throughout this time, TD Bank intentionally did not automatically monitor all domestic automated clearinghouse (ACH) transactions, most check activity, and numerous other transaction types, resulting in 92% of total transaction volume going unmonitored from Jan. 1, 2018, to April 12, 2024. This amounted to approximately $18.3 trillion of transaction activity. TD Bank also added no new transaction monitoring scenarios and made no material changes to existing transaction monitoring scenarios from at least 2014 through late 2022; implemented new products and services, like Zelle, without ensuring appropriate transaction monitoring coverage; failed to meaningfully monitor transactions involving high-risk countries; instructed stores to stop filing internal unusual transaction reports on certain suspicious customers; and permitted more than $5 billion in transactional activity to occur in accounts even after the bank decided to close them.

    TD Bank’s AML failures made it “convenient” for criminals, in the words of its employees. These failures enabled three money laundering networks to collectively transfer more than $670 million through TD Bank accounts between 2019 and 2023. Between January 2018 and February 2021, one money laundering network processed more than $470 million through the bank through large cash deposits into nominee accounts. The operators of this scheme provided employees gift cards worth more than $57,000 to ensure employees would continue to process their transactions. And even though the operators of this scheme were clearly depositing cash well over $10,000 in suspicious transactions, TD Bank employees did not identify the conductor of the transaction in required reports. In a second scheme between March 2021 and March 2023, a high-risk jewelry business moved nearly $120 million through shell accounts before TD Bank reported the activity. In a third scheme, money laundering networks deposited funds in the United States and quickly withdrew those funds using ATMs in Colombia. Five TD Bank employees conspired with this network and issued dozens of ATM cards for the money launderers, ultimately conspiring in the laundering of approximately $39 million. The Justice Department has charged over two dozen individuals across these schemes, including two bank insiders. TD Bank’s plea agreement requires continued cooperation in ongoing investigations of individuals.

    As part of the plea agreement, TD Bank has agreed to forfeit $452,432,302.00 and pay a criminal fine of $1,434,513,478.40, for a total financial penalty of $1,886,945,780.40. TD Bank has also agreed to retain an independent compliance monitor for three years and to remediate and enhance its AML compliance program. TD Bank has separately reached agreements with the FRB, OCC, and FinCEN, and the Justice Department will credit $123.5 million of the forfeiture toward the FRB’s resolution.

    The Justice Department reached its resolution with TD Bank based on a number of factors, including the nature, seriousness, and pervasiveness of the offenses, as a result of which TD Bank became the bank of choice for multiple money laundering organizations and criminal actors and processed hundreds of millions of dollars in money laundering transactions. Although TD Bank did not voluntarily disclose its wrongdoing, it received partial credit for its strong cooperation with the Department’s investigation and the ongoing remediation of its AML program. TD Bank did not receive full credit for its cooperation because it failed to timely escalate relevant AML concerns to the Department during the investigation. Accordingly, the total criminal penalty reflects a 20% reduction based on the bank’s partial cooperation and remediation.

    IRS Criminal Investigation, the Federal Deposit Insurance Corporation Office of Inspector General, and Drug Enforcement Administration investigated the case. The Morristown Police Department, U.S. Attorney’s Office for the District of Puerto Rico, Homeland Security Investigations, U.S. Customs and Border Protection, and New York City Police Department provided substantial assistance.

    Trial Attorneys D. Zachary Adams and Chelsea R. Rooney of the Criminal Division’s Money Laundering and Asset Recovery Section (MLARS) and Assistant U.S. Attorneys Mark J. Pesce and Angelica Sinopole for the District of New Jersey prosecuted the case.

    MLARS’ Bank Integrity Unit investigates and prosecutes banks and other financial institutions, including their officers, managers, and employees, whose actions threaten the integrity of the individual institution or the wider financial system. Since its creation in 2010, the Bank Integrity Unit has prosecuted financial institutions for violations of the BSA, money laundering, sanctions, and other laws, imposing total penalties of over $25 billion.

    This effort is part of an Organized Crime Drug Enforcement Task Forces (OCDETF) operation. OCDETF identifies, disrupts, and dismantles the highest-level criminal organizations that threaten the United States using a prosecutor-led, intelligence-driven, multi-agency approach. Additional information about the OCDETF Program can be found at www.justice.gov/OCDETF.

    MIL OSI USA News

  • MIL-OSI Security: TD Bank Pleads Guilty to Bank Secrecy Act and Money Laundering Conspiracy Violations in $1.8B Resolution

    Source: United States Department of Justice Criminal Division

    WASHINGTON — TD Bank N.A. (TDBNA), the 10th largest bank in the United States, and its parent company TD Bank US Holding Company (TDBUSH) (together with TDBNA, TD Bank) pleaded guilty today and agreed to pay over $1.8 billion in penalties to resolve the Justice Department’s investigation into violations of the Bank Secrecy Act (BSA) and money laundering. 

    TDBNA pleaded guilty to conspiring to fail to maintain an anti-money laundering (AML) program that complies with the BSA, fail to file accurate Currency Transaction Reports (CTRs), and launder money. TDBUSH pleaded guilty to causing TDBNA to fail to maintain an AML program that complies with the BSA and to fail to file accurate CTRs.

    TD Bank’s guilty pleas are part of a coordinated resolution with the Board of Governors of the Federal Reserve Board (FRB), as well as the Treasury Department’s Office of the Comptroller of the Currency (OCC) and Financial Crimes Enforcement Network (FinCEN).

    “By making its services convenient for criminals, TD Bank became one,” said Attorney General Merrick B. Garland. “Today, TD Bank also became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money laundering. TD Bank chose profits over compliance with the law — a decision that is now costing the bank billions of dollars in penalties. Let me be clear: our investigation continues, and no individual involved in TD Bank’s illegal conduct is off limits.”

    “For years, TD Bank starved its compliance program of the resources needed to obey the law. Today’s historic guilty plea, including the largest penalty ever imposed under the Bank Secrecy Act, offers an unmistakable lesson: crime doesn’t pay — and neither does flouting compliance,” said Deputy Attorney General Lisa Monaco. “Every bank compliance official in America should be reviewing today’s charges as a case study of what not to do. And every bank CEO and board member should be doing the same. Because if the business case for compliance wasn’t clear before — it should be now.”

    “For nearly a decade, TD Bank failed to update its anti-money laundering compliance program to address known risks. As bank employees acknowledged in internal communications, these failures made the bank an ‘easy target’ for the ‘bad guys.’ These failures also allowed corrupt bank employees to facilitate a criminal network’s laundering of tens of millions of dollars,” said Principal Assistant Attorney General Nicole M. Argentieri, head of the Justice Department’s Criminal Division. “U.S. financial institutions are the first line of defense against money laundering and illicit finance. When they participate in crime rather than prevent it, we will not hesitate to hold them accountable to the fullest extent of the law.” 

    “TD Bank prioritized growth and convenience over following its legal obligations,” said U.S. Attorney Philip R. Sellinger for the District of New Jersey. “As a result of staggering and pervasive failures in oversight, it willfully failed to monitor trillions of dollars of transactions – including those involving ACH transactions, checks, high-risk countries, and peer-to-peer transactions – which allowed hundreds of millions of dollars from money laundering networks to flow through the bank, including for international drug traffickers. The bank was aware of these risks and failed to take steps to protect against them, including for two networks prosecuted in New Jersey and elsewhere – one that dumped piles of cash on the bank’s counters and another that allegedly withdrew amounts from ATMs 40 to 50 times higher than the daily limit for personal accounts.”

    According to court documents, between January 2014 and October 2023, TD Bank had long-term, pervasive, and systemic deficiencies in its U.S. AML policies, procedures, and controls but failed to take appropriate remedial action. Instead, senior executives at TD Bank enforced a budget mandate, referred to internally as a “flat cost paradigm,” requiring that TD Bank’s budget not increase year-over-year, despite its profits and risk profile increasing significantly over the same period. Although TD Bank maintained elements of an AML program that appeared adequate on paper, fundamental, widespread flaws in its AML program made TD Bank an “easy target” for perpetrators of financial crime.

    Over the last decade, TD Bank’s federal regulators and TD Bank’s own internal audit group repeatedly identified concerns about its transaction monitoring program, a key element of an appropriate AML program necessary to properly detect and report suspicious activities. Nonetheless, from 2014 through 2022, TD Bank’s transaction monitoring program remained effectively static, and did not adapt to address known, glaring deficiencies; emerging money laundering risks; or TD Bank’s new products and services. For years, TD Bank failed to appropriately fund and staff its AML program, opting to postpone and cancel necessary AML projects prioritizing a “flat cost paradigm” and the “customer experience.”

    Throughout this time, TD Bank intentionally did not automatically monitor all domestic automated clearinghouse (ACH) transactions, most check activity, and numerous other transaction types, resulting in 92% of total transaction volume going unmonitored from Jan. 1, 2018, to April 12, 2024. This amounted to approximately $18.3 trillion of transaction activity. TD Bank also added no new transaction monitoring scenarios and made no material changes to existing transaction monitoring scenarios from at least 2014 through late 2022; implemented new products and services, like Zelle, without ensuring appropriate transaction monitoring coverage; failed to meaningfully monitor transactions involving high-risk countries; instructed stores to stop filing internal unusual transaction reports on certain suspicious customers; and permitted more than $5 billion in transactional activity to occur in accounts even after the bank decided to close them.

    TD Bank’s AML failures made it “convenient” for criminals, in the words of its employees. These failures enabled three money laundering networks to collectively transfer more than $670 million through TD Bank accounts between 2019 and 2023. Between January 2018 and February 2021, one money laundering network processed more than $470 million through the bank through large cash deposits into nominee accounts. The operators of this scheme provided employees gift cards worth more than $57,000 to ensure employees would continue to process their transactions. And even though the operators of this scheme were clearly depositing cash well over $10,000 in suspicious transactions, TD Bank employees did not identify the conductor of the transaction in required reports. In a second scheme between March 2021 and March 2023, a high-risk jewelry business moved nearly $120 million through shell accounts before TD Bank reported the activity. In a third scheme, money laundering networks deposited funds in the United States and quickly withdrew those funds using ATMs in Colombia. Five TD Bank employees conspired with this network and issued dozens of ATM cards for the money launderers, ultimately conspiring in the laundering of approximately $39 million. The Justice Department has charged over two dozen individuals across these schemes, including two bank insiders. TD Bank’s plea agreement requires continued cooperation in ongoing investigations of individuals.

    As part of the plea agreement, TD Bank has agreed to forfeit $452,432,302.00 and pay a criminal fine of $1,434,513,478.40, for a total financial penalty of $1,886,945,780.40. TD Bank has also agreed to retain an independent compliance monitor for three years and to remediate and enhance its AML compliance program. TD Bank has separately reached agreements with the FRB, OCC, and FinCEN, and the Justice Department will credit $123.5 million of the forfeiture toward the FRB’s resolution.

    The Justice Department reached its resolution with TD Bank based on a number of factors, including the nature, seriousness, and pervasiveness of the offenses, as a result of which TD Bank became the bank of choice for multiple money laundering organizations and criminal actors and processed hundreds of millions of dollars in money laundering transactions. Although TD Bank did not voluntarily disclose its wrongdoing, it received partial credit for its strong cooperation with the Department’s investigation and the ongoing remediation of its AML program. TD Bank did not receive full credit for its cooperation because it failed to timely escalate relevant AML concerns to the Department during the investigation. Accordingly, the total criminal penalty reflects a 20% reduction based on the bank’s partial cooperation and remediation.

    IRS Criminal Investigation, the Federal Deposit Insurance Corporation Office of Inspector General, and Drug Enforcement Administration investigated the case. The Morristown Police Department, U.S. Attorney’s Office for the District of Puerto Rico, Homeland Security Investigations, U.S. Customs and Border Protection, and New York City Police Department provided substantial assistance.

    Trial Attorneys D. Zachary Adams and Chelsea R. Rooney of the Criminal Division’s Money Laundering and Asset Recovery Section (MLARS) and Assistant U.S. Attorneys Mark J. Pesce and Angelica Sinopole for the District of New Jersey prosecuted the case.

    MLARS’ Bank Integrity Unit investigates and prosecutes banks and other financial institutions, including their officers, managers, and employees, whose actions threaten the integrity of the individual institution or the wider financial system. Since its creation in 2010, the Bank Integrity Unit has prosecuted financial institutions for violations of the BSA, money laundering, sanctions, and other laws, imposing total penalties of over $25 billion.

    This effort is part of an Organized Crime Drug Enforcement Task Forces (OCDETF) operation. OCDETF identifies, disrupts, and dismantles the highest-level criminal organizations that threaten the United States using a prosecutor-led, intelligence-driven, multi-agency approach. Additional information about the OCDETF Program can be found at http://www.justice.gov/OCDETF.

    MIL Security OSI

  • MIL-OSI USA: Sykes, Evans Introduce Bill to Crack Down on Corporate Investors Buying Up Local Homes, Driving Up Housing Prices

    Source: United States House of Representatives – Representative Dwight Evans (2nd District of Pennsylvania)

    Legislation Would Restrict Tax Breaks for Private Equity Firms and Other Large Outside Investors that Buy Up Homes in Local Communities

    U.S. Representatives Emilia Sykes (OH-13) and Dwight Evans (PA-03) introduced the Stop Predatory Investing Act to restrict tax breaks for big corporate investors that buy up homes, often driving up local housing prices and rents. This legislation would prohibit an investor who acquires 50 or more single-family rental homes from deducting interest or depreciation on those properties. The bill restricts tax breaks for private equity and large investors that currently give them an advantage in the market for affordable single-family homes, and helps make homeownership a reality for more families across the country.

    “With home prices reaching record highs, many Ohioans are struggling to afford homeownership and some are being priced out of the neighborhoods they’ve lived in all of their lives. It’s unfair for homeowners to have to compete with deep-pocketed investors who are adding to their real estate portfolios, meanwhile they drive up rents and reduce the housing supply while receiving generous tax breaks,” said Rep. Sykes. “My bill would prevent corporate landlords from driving up local home prices and restore power to working people who want to buy a home to live and raise their families in.” 

    “As a member of the Ways and Means Committee that oversees tax legislation, I appreciate Representative Sykes’ leadership on this issue and I’m proud to co-lead this bill,” said Rep. Evans. “I think the federal government shouldn’t be subsidizing large investors’ mass buying of single-family homes, just like we don’t want to subsidize mass purchasers buying up concert tickets. Working people deserve a fair chance at buying affordable homes, and this bill would be an important tool to add to the housing toolbox!”

    Private equity and other Wall Street-backed outside investors are a growing problem in local housing markets, and contribute to pushing home ownership further out of reach for many working families. In 2021, 16% of homes in Cleveland were purchased by investors, with one zip code reaching 70%. In Cincinnati, they bought 15% of homes, reaching nearly 50% of homes in some communities. On one street, a single company bought 29 homes. Large investors use technology and all-cash offers to outcompete individual buyers. And because investors often target the same types of affordable starter homes as first-time homebuyers, they push families out of the housing market.

    The Stop Predatory Investing Act is endorsed by Enterprise Community Partners, Local Initiatives Support Corporation (LISC), National Community Stabilization Trust (NCST), and National Housing Law Project (NHLP). 

    MIL OSI USA News

  • MIL-OSI USA: Final 2023 Annual Electric Sales and Revenue Data

    Source: US Energy Information Administration

    Form EIA-861, Annual Electric Power Industry Report, and Form EIA-861S (the shortform) collect data from distribution utilities and power marketers of electricity. This survey is a census of all United States electric utilities. The short form is intended for smaller bundled-service utilities and has less detailed responses. This survey collects more data than the monthly counterpart, Form EIA-861M. Data are the individual surveys responses and are included in the files described below.

    Our survey page contains the current survey form, instructions, respondent portal, and frequently asked questions. Data from these files can be found throughout our publications, usually in aggregated form in our Electric Power Annual (EPA) report; State Electricity Profiles (SEP); Electric Sales, Revenue, and Average Price (ESR) report; Electricity Data Browser; and in some Today in Energy articles.

    Please refer to our Guide to EIA Electric Power Data and send any questions to InfoElectric@eia.gov.

    In 2012, we created Form EIA-861S to reduce respondent burden and to increase our processing efficiency; that year, about 1,100 utilities initially reported on this form instead of Form EIA-861. In 2020, the number of utilities increased to about 1,700 utilities. We reformatted the files for the years 1990–2011, but we didn’t change or update any data files. We reformatted the files to make them easier to understand and to match the format and titles of the current files.

    • Frame
      • Surveys: Form EIA-861 and Form EIA-861S
      • Time frame: 2016 to present
      • Description: The data contain a complete list of all respondents from both forms and which files they have data in.
    • Advanced Metering
      • Surveys: Form EIA-861 and Form EIA-861S
      • Time frame: 2007 to present
      • Description: The data contain number of meters from automated meter readings (AMR) and advanced metering infrastructure (AMI) by state, sector, and balancing authority. The energy served (in megawatthours) for AMI systems is provided. Form EIA-861 respondents also report the number of standard meters (non AMR/AMI) in their system.
      • Historical Changes: We started collecting the number of standard meters in 2013. The monthly survey collected these data from January 2011 to January 2017.
    • Balancing Authority
      • Surveys: Form EIA-861 and Form EIA-861
      • Time frame: 2012 to present
      • Description: The data contain the list of balancing authorities and the states they operate in.
    • Delivery Companies
      • Survey: Form EIA-861
      • Time frame: 2020 to present
      • Description: The data contain revenue, sales, and customer count by sector from utilities that deliver energy in Texas.
    • Demand Response
      • Survey: Form EIA-861
      • Time frame: 2013 to present
      • Description: The data contain energy demand response programs by state, sector, and balancing authority. We collect data for the number of customers enrolled, energy savings, potential and actual peak savings, and associated costs.
    • Distribution Systems
      • Survey: Form EIA-861
      • Time frame: 2013 to present
      • Description: The data contain the number of distribution circuits and circuits with voltage optimization by state.
    • Dynamic Pricing
      • Survey: Form EIA-861
      • Time frame: 2013 to present
      • Description: The data contain the number of customers enrolled in dynamic pricing programs by state, sector, and balancing authority. Respondents check if one or more customers are enrolled in time-of-use pricing, real time pricing, variable peak pricing, critical peak pricing, and critical peak rebates.
    • Energy Efficiency
      • Survey: Form EIA-861
      • Time frame: 2013 to present
      • Description: The data contain incremental energy savings, peak demand savings, weighted average life cycle, and associated costs for the reporting year and life cycle of energy efficiency programs.
    • Mergers
      • Survey: Form EIA-861
      • Time frame: 2007 to present
      • Description: The data contain information on mergers and acquisitions.
    • Net Metering
      • Survey: Form EIA-861
      • Time frame: 2001 to present
      • Description: The data contain cumulative installation count and capacity of generators that are net metered by technology, state, sector, and balancing authority. If available, the energy sold back to the grid is also reported. Technology types include photovoltaic (standard, virtual less than 1 megawatt, and virtual 1 megawatt or greater), wind, and other. Storage systems that are paired with net-metered photovoltaic (PV) are also captured. We make a state-level adjustment for missing PV capacity and to convert state total capacity to AC units for those respondents who report data in DC units; we use 0.8256 as a conversion factor to change DC to AC. For other energy sources, we have not established imputation procedures.
      • Historical Changes: Initially, data contained only the customer count. In 2007, energy displaced was added (later renamed to energy sold back). We added capacity of systems in 2010, and we divided this category by technology type: PV, wind, and other. In 2016, we added a question to the survey about whether the megawatts reported for the PV systems were in AC or DC units). Also in 2016, the survey divided PV to include virtual systems and storage systems paired with PV. Starting in 2020, Form EIA-861S respondents were imputed.
    • Non-Net Metering Distributed
      • Survey: Form EIA-861
      • Time frame: 2010 to present
      • Description: The data contain cumulative values of generators that are not net metered and are under 1 megawatt in size (and not reported on Form EIA-860). Installations, total capacity, capacity owned, and capacity backup are reported in aggregate by state, sector, and balancing authority. Capacity is also reported by technology, state, sector, and balancing authority. Technology types include combustion turbine, internal combustion engine, fuel cells, hydroelectric, photovoltaic (PV), steam turbine, storage, wind, and other. Form EIA-861S respondents do not provide non-net-metering distributed data. A state-level adjustment is made for missing PV capacity and to convert state total capacity to AC units for those respondents who report data in DC units; we use 0.8256 as a conversion factor to change DC to AC, which uses the responses from the net-metering schedule. For other energy sources, we have not established imputation procedures.
      • Historical Changes: This schedule was referred to as distributed generation, and we renamed it to prevent double counting from net-metered systems (2016). Data on dispersed systems (systems not connected to the grid) were collected up to 2015. In 2016, we added data on fuel cells. Starting in 2016, these data were broken out by sector, and an adjustment to convert state total capacity to AC units for those respondents who report data in DC units; we use 0.8256 as a conversion factor to change DC to AC. Starting in 2020, Form EIA-861S respondents were estimated.
    • Operational Data
      • Survey: Form EIA-861
      • Time frame: 1990 to present
      • Description: The data contain aggregate operational data for the source and disposition of energy and revenue information from each electric utility.
    • Reliability
      • Survey: Form EIA-861
      • Time frame: 2013 to present
      • Description:The data contain information on non-momentary electrical interruptions. If collected, utilities report the system average interruption duration index (SAIDI), the system average interruption frequency index (SAIFI), and the conditions under which these metrics are collected. We allow respondents to use IEEE standards or any other method. We created a short video to describe what is collected.
    • Sales to Ultimate Customers
      • Surveys: Form EIA-861 and Form EIA-861S
      • Time frame: 1990 to present
      • Description: The data contain revenue, sales (in megawatthours), and customer count of electricity delivered to end-use customers by state, sector, and balancing authority. A state, service type, and balancing authority-level adjustment is made for non-respondents and for customer-sited respondents.
      • Historical Changes: In 2003, we created the transportation sector and removed the other sector. We made this change to separate the transportation sales and reassign the other activities to the commercial and industrial sectors as appropriate. Non-transportation customers previously reported under other, including street and highway lighting, are now included in the commercial sector. Previously, we referred to this file as retail sales.
    • Sales to Ultimate Customers, Customer-Sited
      • Time frame: 2002 to present
      • Description: The data contain revenue, sales (in megawatthours), and customer count of electricity delivered to end-use customers by state, sector, and balancing authority. These data aren’t collected on Form EIA-861; however, they are included in the state adjustments totals in the sales to ultimate customers file.
    • Service Territory
      • Surveys: Form EIA-861 and Form EIA-861S
      • Time frame: 2001 to present
      • Description: The data contain names of counties and states in which the utility has equipment to distribute electricity to ultimate customers.
    • Short Form
      • Surveys: Form EIA-861 and Form EIA-861S
      • Time frame: 2001 to present
      • Description: The data contain revenue, sales (in megawatthours), and customer count of electricity delivered to end-use customers, by state and balancing authority. Respondents answer whether they have net metering, demand side management, and time-based programs.
    • Utility Data
      • Survey: Form EIA-861
      • Time frame: 1990 to present
      • Description:The data contain information on a utility’s North American Electric Reliability (NERC) regions of operation. The data also indicate a utility’s independent system operator (ISO) or regional transmission organization (RTO) and whether that utility is engaged in any of the following activities: generation, transmission, buying transmission, distribution, buying distribution, wholesale marketing, retail marketing, bundled service, or operating alternative-fueled vehicles.
      • Historical Changes: In 2010, we added the independent system operator (ISO) and regional transmission organization (RTO) regions.
    • Demand-Side Management (DSM)
      • Survey: Form EIA-861
      • Time frame: 2001 to 2012
      • Description: The data contain energy efficiency incremental data, energy efficiency annual data, load management incremental data, load management annual data, annual costs, and the customer counts of price response and time response programs by sector.
      • Historical Changes: In 2007, we added the customer counts of price response and time response programs.
    • Green Pricing
      • Survey: Form EIA-861
      • Time frame: 2001 to 2012
      • Description: The data contain revenue, sales, and customer count by sector and state.
      • Historical Changes: Initially, data contained only the customer count. In 2007, revenue and sales were added.

    MIL OSI USA News

  • MIL-OSI USA: 2023 Electric Sales, Revenue, and Average Price Data

    Source: US Energy Information Administration

    Summary Tables
    T1 Number of consumers (bundled and unbundled) by sector, Census Division, and State PDF XLS
    T2 Sales to bundled and unbundled consumers by sector, Census Division, and State PDF XLS
    T3 Revenues for sales to bundled and unbundled consumers (including delivery service revenue) by sector, Census Division, and State PDF XLS
    T4 Average retail price for bundled and unbundled consumers by sector, Census Division, and State PDF XLS
    T5.a Residential average monthly bill by Census Division, and State PDF XLS
    T5.b Commercial average monthly bill by Census Division, and State PDF XLS
    T5.c Industrial average monthly bill by Census Division, and State PDF XLS
    Class of ownership, number of consumers, sales, revenue, and average price by State and utility:
    T6 Residential sector PDF XLS
    T7 Commercial sector PDF XLS
    T8 Industrial sector PDF XLS
    T9 Transportation sector PDF XLS
    T10 All sectors PDF XLS
    T11.a Number of consumers by end use sector and State: non-utility power producers PDF XLS
    T11.b Sales by end use sector and State: non-utility power producers PDF XLS
    T11.c Revenue by end use sector and State: non-utility power producers PDF XLS
    Class of ownership, number of consumers, sales, revenue, and average price for power marketers and energy service providers by State:
    T12 Residential sector PDF XLS
    T13 Commercial sector PDF XLS
    T14 Industrial sector PDF XLS
    T15 Transportation sector PDF XLS
    T16 All sectors PDF XLS
    T17 Revenue for delivery services collected by traditional distribution utilities for customers who selected alternate energy providers by State PDF XLS

    MIL OSI USA News

  • MIL-OSI: Cloudera Expands Industry-Leading Enterprise AI Ecosystem with New Partners

    Source: GlobeNewswire (MIL-OSI)

    New partners Anthropic, Google Cloud, and Snowflake join Cloudera’s AI Ecosystem at EVOLVE24 New York event

    Ecosystem of technology providers makes it easier, more economical, and safer for enterprises to maximize the value of AI initiatives

    SANTA CLARA, Calif. and NEW YORK, Oct. 10, 2024 (GLOBE NEWSWIRE) — Cloudera, a hybrid platform for data, analytics, and AI, today announced the expansion of its Enterprise AI Ecosystem during its annual data and AI conference, EVOLVE24 New York. This initiative brings together a diverse group of industry-leading AI providers to deliver comprehensive, end-to-end AI solutions for customers that help to maximize the value of AI.

    Large enterprises have special requirements for running AI applications at scale, including:

    • Demonstrating business value that justifies the total cost of ownership within a reasonable timeframe.
    • Adhering to strict security and privacy standards to protect sensitive data and maintain compliance.
    • Maintaining the flexibility to deploy a diverse range of models from a broad selection of vendors in the optimal environment for each use case – where the supporting data often resides.

    At last year’s EVOLVE conference, Cloudera launched the Enterprise AI Ecosystem, with these founding members:

    • NVIDIA who provides full-stack accelerated computing for the development and deployment of AI workloads both in private and public clouds. Cloudera’s recent announcement highlighted the expansion of its Cloudera’s AI Inference Service through the integration of NVIDIA NIM, part of the NVIDIA AI Enterprise software platform, a set of easy-to-use microservices designed for secure, reliable deployment of high-performance AI model inferencing across clouds, data centers and workstations.
    • Amazon Web Services (AWS) with Amazon Bedrock, which allows customers to build and scale generative AI applications with a single API.
    • Pinecone for its leading vector database, which underpins the most common technical AI use cases: Retrieval-Augmented Generation (RAG) and semantic search.

    Over the last year, the Enterprise AI Ecosystem has generated significant inbound interest and a steady flow of requests for Cloudera to build on its existing AI partners and establish new ones. Now Cloudera is proud to introduce its newest set of AI Ecosystem partners at EVOLVE24 New York. They are:

    • Google Cloud: Google Cloud’s Vertex AI Model Garden provides a centralized hub for discovering, customizing, and deploying a diverse range of models. This includes a selection of over 150 first-party, open, and third-party foundation models, including Google’s Gemini, Chirp, Imagen, and more. Google Cloud’s infrastructure also supports Cloudera’s DataHub platform, which serves as the data foundation for building AI applications.

      Additionally, for the first ecosystem collaboration, Cloudera released an Accelerator for Machine Learning Project (AMP) entitled “Summarization with Gemini from Vertex AI” to help customers quickly deploy a summarization use case that takes advantage of the cost effectiveness and performance of Gemini Pro Models accessed from the Vertex AI Model Garden via API.

    • Anthropic: Anthropic’s Claude large language models (LLMs) are ideal for code generation, vision analysis, data insight and text generation use cases. Anthropic’s family of Claude models will allow Cloudera users to balance performance and cost, while their commitment to AI safety research helps to ensure reliable, unbiased, and non-harmful outputs. Cloudera is releasing an AMP entitled Image Analysis with Anthropic’s Claude LLM” that will significantly reduce the time to develop a production image analysis application. Cloudera is also making Claude its default foundational model for its Cloudera AI Coding Co-pilot.
    • Snowflake: Cloudera and Snowflake, the AI Data Cloud company, are building on their strategic collaboration, also announced at EVOLVE24, with Snowflake’s Arctic Embed models, which excel at SQL generation and offer strong cost-performance ratios. Snowflake’s Iceberg-enabled platform provides interoperability with Cloudera, facilitating the sharing of data to feed AI use cases. Cloudera is actively working on product integrations with Snowflake, which can be read about here.

    “We pioneered the Enterprise AI Ecosystem to cater to the complex and continually evolving enterprise-grade security, privacy, authorization, and LLM demands of major organizations; this involves a complete suite of solutions across accelerated compute, semantic querying, vector embeddings, multi-modal agents, RAG applications, fine-tuning, and frontier models,” stated Abhas Ricky, Chief Strategy Officer at Cloudera. “AI researchers and practitioners have since deployed 400+ cutting-edge AI accelerators (AMPs) and numerous agentic applications supporting high-value use cases such as voice of customer analysis, invoice reconciliation, and underwriting automation. Together we are delivering a fully integrated Enterprise AI platform, built on leading models and knowledge bases, to further production-ready high fidelity solutions delivered with experts by your side.”

    “OCBC has delivered dozens of Gen AI applications into production leveraging Cloudera AI and technologies from The Enterprise AI Ecosystem members,” said Adrien Chenailler, Head of Data Science and AI at OCBC Bank. “Our call center transcription application transcribes thousands of hours of calls daily and has led to a significant reduction in average call handling time. We have reduced the investment in research time of our Relationship Managers with GenAI. We’re delighted that Cloudera continues to expand their Enterprise AI Ecosystem because it delivers proven solution architectures that get us from prototype to production faster.”

    “Our partnership with Cloudera helps organizations extract hidden value in their enterprise data, including complex sources like images,” said Kate Jensen, Head of Growth and Revenue at Anthropic. “The new Image Analysis capability turns visual data from images, charts or graphics into actionable insights, while Claude as the default model for Cloudera AI Coding Assistant, and potential other use cases such as Text to SQL and NLP Co-pilots provides customers with a powerful AI assistant that boosts productivity and uncovers new opportunities in their data. Together, we’re transforming raw data into actionable intelligence, empowering businesses to make smarter decisions faster.”

    “We are thrilled to work with Cloudera to integrate Snowflake’s Arctic Embed models into Cloudera AI Inference powered by NVIDIA’s NIM,” said Baris Gultekin, Head of AI, Snowflake. “This collaboration will empower our joint customers to unlock the full potential of generative AI at scale, driving faster insights, enhanced decision-making, and transformative business outcomes. Together, Snowflake and Cloudera are pushing the boundaries of what’s possible with modern data platforms, providing businesses with the agility and intelligence they need to stay ahead in an increasingly AI-driven world.”

    Cloudera’s existing group of Enterprise AI Ecosystem partners, including NVIDIA and AWS, will also be in the spotlight at EVOLVE24 New York, happening today, October 10.

    Click here to learn more about how Cloudera and its partner ecosystem are making it easier, more economical, and safer for enterprises to maximize the value they get from AI.

    About Cloudera

    Cloudera is a hybrid platform for data, analytics, and AI. With 100x more data under management than other cloud-only vendors, Cloudera empowers global enterprises to transform data of all types, on any public or private cloud, into valuable, trusted insights. Our open data lakehouse delivers scalable and secure data management with portable cloud-native analytics, enabling customers to bring GenAI models to their data while maintaining privacy and ensuring responsible, reliable AI deployments. The world’s largest brands in financial services, insurance, media, manufacturing, and government rely on Cloudera to use their data to solve what was impossible—today and in the future.

    To learn more, visit Cloudera.com and follow us on LinkedIn and X. Cloudera and associated marks are trademarks or registered trademarks of Cloudera, Inc. All other company and product names may be trademarks of their respective owners.

    Contact
    Jess Hohn-Cabana
    cloudera@v2comms.com

    The MIL Network

  • MIL-OSI USA: Warren, Wyden, Porter Call on Treasury, IRS to Improve Direct File by Ending Reliance on ID.me, Making Identity Verification Secure and Accessible

    US Senate News:

    Source: United States Senator for Massachusetts – Elizabeth Warren
    October 09, 2024
    “[Taxpayers] should not be forced to jump through extra, onerous, hoops that private tax prep companies are not required to meet.”
    Text of Letter (PDF)
    Boston, MA – U.S. Senators Elizabeth Warren (D-Mass.), a member of the Senate Finance Committee, Ron Wyden (D-Ore.), Chair of the Senate Finance Committee, and Representative Katie Porter (D-Calif.) wrote to the Department of the Treasury (Treasury) and the Internal Revenue Service (IRS) urging the agencies to make the Direct File tax filing program more accessible by ending reliance on ID.me, which uses a flawed facial recognition software.
    When Direct File, the first free, public, electronic federal tax filing tool in U.S. history, launched, the IRS announced that taxpayers would need to submit to identity verification through ID.me because it met the IRS’ desired level of strictness, “Identity Assurance Level 2” (IAL 2). IAL 2 is the middle of three “levels” of national identity verification standards, and requires an applicant’s face to be compared to a government ID using facial recognition software or by a human. But the facial recognition technology used by ID.me has been shown to be less accurate when dealing with vulnerable groups, including individuals of color, and has been linked to wrongful arrests of black men. This heightened identity verification is required for the Direct File service and not for commercial tax preparation services. 
    “Requiring them to use ID.me is creating yet another needless barrier to exactly these taxpayers who need Direct File most to claim tax benefits, as it has been with other government benefits,” wrote the lawmakers. 
    Private tax preparation companies are not judged against IAL standards but operate at the equivalent of a level 1 by just having users simply assert their identity.  The private tax preparation companies have also egregiously misused private taxpayer information, and Direct File allows taxpayers the option to not give their money and personal information to private companies when filing their taxes. Login.gov, a government-run identity verification alternative, is expected to be compliant with existing IAL 2 standards, making it available for the 2025 tax season. 
    The IRS’ current approach to security does not make sense. 
    “If the threat posed by identity thieves and fraudsters is severe enough to warrant requiring taxpayers to submit to identity verification…then the IRS should require such security protections, across the board, regardless of whether taxpayers use Direct File, commercial services like TurboTax and H&R Block…,” the lawmakers continued. “Alternatively, if the threat posed by identity thieves is not serious enough for the IRS to require commercial tax prep companies to implement burdensome identity verification, then taxpayers using Direct File should not be required to do so either.” 
    The 2024 Direct File pilot was a clear and resounding success, helping taxpayers claim over $90 million in tax refunds and saving taxpayers $5.6 million in estimated filing fees. The IRS recently announced that it will expand service to 24 states and over 30 million taxpayers for the 2025 tax season. In order to keep Direct File serving taxpayers effectively, the lawmakers requested answers from the Treasury and the IRS about the impact of ID.me on taxpayers’ access to Direct File and potential alternatives to ID.me by October 21, 2024. 
    Senator Warren has been at the forefront of holding tax prep firms and Big Tech accountable for their behavior, and pushed for an effective IRS direct free file program:
    In June 2023, Senators Warren and Carper and Representatives Sherman, Porter, and Beyer led a coalition of 99 Democratic lawmakers in sending a letter to Internal Revenue Service (IRS) Commissioner Daniel Werfel and Deputy Treasury Secretary Adewale Adeyemo, applauding the IRS’ announcement of a pilot  of a free tax filing tool next year. 
    In April 2023, Senators Warren and Carper led their colleagues in sending a letter to IRS Commissioner Daniel Werfel urging the agency to simplify the tax process and broaden access to free e-filing options.
    In April 2023, at a hearing of the Senate Finance Committee, Senator Warren questioned Internal Revenue Service (IRS) Commissioner Daniel Werfel about the IRS’s failed Free-File partnership with private tax preparation software companies and called on the agency to implement a direct E-File program that will be truly free and easy for millions of Americans. 
    Commission Werfel agreed with Senator Warren that the gap between the 70% of taxpayers that Free File is supposed to serve and the 2% it actually does is “massive.”  When Senator Warren pointed out that tax prep companies are instead pushing alternative services that should be free, are marketed as free, but are not, Commissioner Werfel also agreed that “the whole process needs to be improved,” that taxpayer rights have been violated, and the IRS has an obligation to make “the tax system easier for taxpayers to navigate.”

    In March 2023, Senators Warren and King wrote a letter with 19 other senators to the Internal Revenue Service and Secretary Yellen expressing strong support for Secretary Yellen’s directive for the IRS not to raise audit rates for small businesses or households making under $400,000 annually. 
    In December 2022, Senators Warren and Wyden, along with Representatives Porter and Sherman sent letters to tax preparation companies H&R Block, TaxAct, and TaxSlayer, plus big tech firms Meta, and Google, amid reports that the tax preparation companies have been secretly transmitting individual taxpayers’ sensitive financial information to Meta and Google.
    In July 2022, Senator Warren led 22 of her colleagues in introducing the Tax Filing Simplification Act of 2022 to simplify the tax filing process for millions of Americans by lowering costs, eliminating red tape for all taxpayers, and saving them hours and hundreds of dollars. 
    During an exchange of the United States Senate Finance Committee in June 2022, U.S. Treasury Secretary Janet Yellen agreed with Senator Warren on the need to create a free tax filing system that actually works for Americans.

    MIL OSI USA News

  • MIL-OSI USA: Brown Convenes Tax Professionals for Free, One Day Tax Clinic to Assist East Palestine Residents Filing Amended Returns

    US Senate News:

    Source: United States Senator for Ohio Sherrod Brown
    WASHINGTON, D.C. – U.S. Senator Sherrod Brown announced that East Palestine residents who received reimbursements from Norfolk Southern in the aftermath of the February 3, 2023 train derailment will be able to take advantage of a free, one-day tax clinic where Volunteer Income Tax Assistance (VITA) Certified Volunteers will help residents complete amended returns so that they don’t pay taxes on their reimbursements.
    Brown aggressively and successfully pushed the IRS and Treasury Department to make tax exempt most payments and reimbursements received from Norfolk Southern.
    The IRS is requiring East Palestine residents to file amended returns to ensure that they are not taxed on any assistance received from Norfolk Southern.
    “It was important to take on the IRS and ensure that East Palestine residents did not have to pay tax on assistance they received from Norfolk Southern,” said Brown. “Now, we want to make sure they do not have to pay a tax service to file the amended tax return that they shouldn’t have had to file in the first place. Our office is glad to bring together these community organizations to make this happen.”
    Details of the one-day tax clinic hosted by Brown’s office are below. Brown’s office partnered with The Way Station, The Village of East Palestine, United Way Youngstown and the Mahoning Valley, Catholic Charities Regional Agency, and the United Way of Summit & Medina.
    Date: Friday, October 11, 2024
    Time: 9AM-5PM
    Location: First Church of Christ, 20 W Martin St, East Palestine, OH 44413
    Call 330.540.1947 or 330.610.3805 to schedule an appointment.
    Appointments must be scheduled in advance.

    MIL OSI USA News

  • MIL-OSI USA: Tiffany Announces October Mobile Office Hours

    Source: United States House of Representatives – Representative Tom Tiffany (WI-07)

    WAUSAU, WI – Congressman Tom Tiffany (WI-07) announced the following mobile office hours. 

    A member of Congressman Tom Tiffany’s staff will be at the following locations to assist residents who may need help with a federal agency. Appointments are not necessary, and staff will be able to aid in federal matters concerning Veterans Affairs, Social Security, the Internal Revenue Service, Medicare, passports, and more. 

    Mobile Office Hours on Wednesday, October 16th

    Price County

    Location: Phillips Public Library 

    286 Cherry Street 

    Phillips, WI  54555 

    Time: 4:30 – 5:30pm 

     

    Mobile Office Hours on Monday, October 28th

    Lincoln County

    Location:  T. B. Scott Public Library 

    106 1st Street 

    Merrill, WI 54452 

    Time: 1:00 – 2:00pm 

     

    Lincoln County

    Location:  Tomahawk Public Library 

    300 West Lincoln Avenue 

    Tomahawk, WI  54474

    Time: 3:00 – 4:00pm 

     

    Oneida County

    Location:  Rhinelander Public Library 

    106 North Stevens Street 

    Rhinelander, WI  54501 

    Time: 5:00 – 6:00pm 

     

    Mobile Office Hours on Tuesday, October 29th:  

    Taylor County

    Location:  Frances Simek Memorial Library 

    400 North Main Street 

    Medford, WI  54451 

    Time: 8:30 – 9:30am 

     

    Clark County

    Location:  Neillsville Public Library 

    409 Hewett Street #1923 

    Neillsville, WI  54456

    Time: 11:00 – 12:00pm 

     

    Polk County

    Location:  Osceola Village Hall 

    310 Chieftain Street 

    Osceola, WI 54020 

    Time: 12:00 – 1:30pm 

     

    Wood County

    Location:  Pittsville Community Library 

    5291 3rd Avenue 

    Pittsville, WI  54466

    Time: 1:00 – 2:00pm 

     

    Polk County

    Location:  St. Croix Falls Public Library

    230 South Washington Street 

    St. Croix Falls, WI 54024 

    Time: 12:00 – 1:30pm 

     

    Wood County

    Location:  Everett Roehl Public Library 

    105 South Maple Avenue 

    Marshfield, WI  54449

    Time: 3:00 – 4:00pm 

     

    Mobile Office Hours on Wednesday, October 30th:  

    Oneida County

    Location:  Minocqua Public Library 

    415 Menominee Street 

    Minocqua, WI  54548

    Time: 9:30 – 10:30am 

     

    Burnett County

    Location:  Grantsburg Public Library 

    415 South Robert Street 

    Grantsburg, WI 54840 

    Time: 10:00 – 11:00am 

     

    Oneida County

    Location:  Minocqua Public Library 

    415 Menominee Street 

    Minocqua, WI  54548

    Time: 9:30 – 10:30am 

     

    Marathon County

    Location: Stratford Public Library 

    213201 Scholar Street 

    Stratford, Wisconsin 54484 

    Time: 11:30 – 12:30pm 

     

    Vilas County

    Location:  Walter Olson Memorial Library 

    203 North Main Street 

    Eagle River, WI  54521

    Time: 11:30 – 12:30pm 

     

    Polk County

    Location:  Frederic Public Library 

    127 Oak Street East 

    Frederic, WI 54837 

    Time: 1:00 – 2:00pm 

     

    Forest County

    Location:  Laona Public Library 

    5216 Forest Avenue 

    Laona, WI  54541

    Time: 2:00 – 3:00pm 

     

    Mobile Office Hours on Thursday, October 31st:  

    Bayfield County

    Location: Drummond Public Library 

    14990 Superior Street 

    Drummond, WI  54832

    Time: 10:00 – 11:00am 

     

    Sawyer County

    Location: Hayward City Hall 

    15889 West 3rd Street 

    Hayward, WI  54843 

    Time: 1:00 – 2:00pm 

     

    If you have any further questions or need help with a federal agency and cannot make it to these mobile office hours, Congressman Tiffany’s district staff remains ready to help at (715) 298-9344.  

    ###

    MIL OSI USA News

  • MIL-OSI Canada: Government advances Made-in-Canada sustainable investment guidelines to accelerate progress to net-zero emissions by 2050

    Source: Government of Canada News

    Backgrounder

    October 9, 2024

    The Government of Canada supports the development of voluntary Made-in-Canada sustainable investment guidelines (otherwise known as a taxonomy) that would categorize investments based on scientifically determined eligibility criteria that are consistent with the goal of reaching net-zero emissions by 2050 and limiting global temperature rise to 1.5°C above pre-industrial levels.

    This is a high standard that will be important for building and maintaining the credibility of a Canadian taxonomy, which will mobilize private capital for low- or non-emitting activities with a “green” category.

    Importantly, the Canadian taxonomy would also establish a “transition” category to identify, and boost funding for, scientifically credible pathways to rapidly decarbonize Canada’s emissions-intensive sectors. Canada’s leadership in the transition aspect of taxonomy will be a notable and valuable contribution to the international dialogue on transition finance.

    The development of the metrics-based Canadian taxonomy would first focus on the following sectors for the Canadian economy: electricity, transportation, buildings, agriculture and forestry, manufacturing, and extractives, including mineral extraction and processing, and natural gas. A taxonomy for two to three priority sectors will be released within 12 months of the arm’s-length, third-party organization(s) beginning its work.

    Once finalized, the Canadian taxonomy would be available for entities such as financial institutions, lenders, and companies to use on a voluntary basis. It would not be mandatory.

    Details of the Canadian Taxonomy

    This backgrounder outlines the government’s expectations for the development and implementation of the Canadian taxonomy, including:

    1. Guiding Principles
    2. Defining green and transition investments
    3. Priority Sectors
    4. Company-level expectations
    5. Governance and Funding

    Background on Taxonomy

    To close the climate financing gap, financial market participants, including banks, insurers, pension plans and asset managers, have indicated that they need clarity about what economic activities are considered “green” or “transition.” A taxonomy is a tool that can provide this clarity by promoting a shared understanding or classification system that defines or categorizes these activities.

    Like the proposed Canadian taxonomy, many international taxonomies also use detailed eligibility criteria, anchored in climate science, to support the taxonomy’s credibility among international investors. These eligibility criteria often involve the use of performance-based metrics and thresholds to demonstrate what economic activities are aligned with pathways to limiting global temperature rise to 1.5°C above pre-industrial levels, in line with the Paris Agreement. These taxonomies likewise aim to preserve interoperability with other jurisdictions to reflect the global nature of financial and capital markets.

    A taxonomy supports a wide range of use cases. For example, taxonomies can be used to set standards for classifying climate-related financial instruments (e.g., bonds or loans), and/or to evaluate the green or transition credentials of financial instruments and issuers.
    The aim of the Canadian taxonomy would be to mobilize investment in support of Canada’s net-zero transition by enabling investors to understand and communicate which key activities and investments will deliver a Canadian net-zero economy.

    Over 40 jurisdictions worldwide are developing or have implemented taxonomies, which generally are calibrated to a particular country’s domestic economic reality and priorities. This is an opportunity to develop a Made-in-Canada taxonomy that aligns with Canada’s net-zero pathways and drives transformational investments within Canada’s economy that will also create good-paying, sustainable jobs.

    The Sustainable Finance Action Council (SFAC), which was composed of 25 of Canada’s leading deposit-taking institutions, insurance companies, and pension funds, was launched by the Government of Canada in May 2021 to help lead the Canadian financial sector towards integrating sustainable finance into standard industry practice. The SFAC’s recommendations on taxonomy, including its Taxonomy Roadmap Report, have been important inputs for informing the Government of Canada’s next steps on taxonomy. The Government of Canada thanks the SFAC for its advice on taxonomy and its valuable contribution to building a sustainable finance market in Canada throughout its mandate, which concluded on March 31, 2024.

    i. Guiding Principles

    The Canadian taxonomy would be developed and maintained in accordance with the following principles (Guiding Principles), which draw from the recommendations of the SFAC and international organizations, as well as from international taxonomy precedents.

    These Guiding Principles are intended to ensure that the Canadian taxonomy fulfills its objective of being a credible and usable tool for financial market participants and others to identify green and transition investments.

    Guiding Principles

    • Usable

      Mobilize capital toward the net-zero transition.

    • Credible

      Clear, rigorous, and credible science-based criteria that align with limiting global temperature rise to 1.‍5°C above pre-industrial levels, with no or low overshoot and all relevant emissions scopes considered.​ Any activity which receives the green or transition taxonomy label must be scientifically defensible as being aligned with this.

    • Comprehensive

      Cover transition and green activities that make a material positive contribution to climate change mitigation, addressing high-emitting sectors.

    • Interoperable

      Be interoperable and broadly compatible with other major science-based taxonomies and frameworks globally, while reflecting Canada’s own economic context.

    • Transparent

      A governance structure that is transparent, efficient, adaptive, and results-oriented; safeguards scientific integrity; and engages with key stakeholders, including provincial and territorial governments, civil society, financial market participants, industry, and Indigenous partners.

    • Dynamic

      A built-in review process to ensure the Canadian taxonomy is updated as the landscape evolves.

    • Holistic

      Do-No-Significant-Harm criteria addressing environmental, social, and Indigenous objectives.

    ii. Defining green and transition investments

    At a high level, the Canadian taxonomy would define which economic activities are green or transition in line with SFAC recommendations, as follows:

    • Green: low-or zero-emitting activities, such as green hydrogen, solar, and wind energy generation, or those that enable them, such as electricity transmission lines and hydrogen pipelines; and,
    • Transition: decarbonizing emission-intensive activities that are critical for sectoral transformation and consistent with a net-zero, 1.5°C transition pathway, such as installing lower-emitting (electric) furnaces to produce steel.

    Activities are expected to be classified according to a categorization framework to be confirmed and operationalized. The figure below shows an example of such a framework proposed by the SFAC.

    SFAC Taxonomy Roadmap Report Categorization Framework

    For clarity, in this framework:

    Green activities are expected to be those that:

    • Do not have material scope 1 and 2 emissions;
    • Have low or zero downstream scope 3 emissions; and,
    • Sell into or benefit from markets that are expected to grow in the global
      net-zero transition.

    Transition activities are expected to be those that:

    • Have material scope 1 and 2 emissions but make significant emission reductions;
    • Have low or zero scope 3 emissions; and,
    • Do not create carbon lock-in and path dependency.

    As well as activities that:

    • Have material scope 3 emissions but significantly reduce their scope 1 and
      2 emissions;
    • Do not face immediate demand-side risk (i.e., market contraction); and,
    • Have lifespans proportionate to when global demand for their products is expected to decline.

    iii. Priority Sectors

    The initial phase of taxonomy development would focus on developing eligibility criteria for the following priority sectors. A taxonomy for two to three priority sectors will be released within 12 months of the arm’s-length, third-party organization(s) beginning its work. The final determination of eligible activities would rest with the third-party organization(s) which will develop, implement, and maintain the Canadian taxonomy, and align with the guiding principles, including scientific credibility and alignment with limiting global warming to 1.5°C:

    Electricity, which could include activities related to low- and zero-emitting electricity generation, electricity storage, and grid infrastructure improvements.

    Transportation, which could include low- and zero-emitting passenger and freight transportation activities in a variety of transportation modes (e.g., road, rail, marine transport) as well as enabling infrastructure (e.g., electric vehicle charging).

    Buildings, which could include the construction and operation of high-performance buildings, the retrofitting of buildings to improve their performance, and the installation of equipment to reduce the emissions of buildings and their occupants.

    Agriculture and Forestry, which could include the sustainable production of crops and livestock, activities to decarbonize agricultural production, and the planting, sustainable management, and restoration of forests.

    Heavy Industry:

    These important sectors of the Canadian economy have been prioritized based on the following criteria:

    • Anticipated future levels of green and transition investment opportunity, including as assessed by market participants;
    • Importance of their decarbonization for decarbonizing the Canadian economy, based on current sectoral emissions and projections of future emission reductions; and
    • Economic significance to Canada, including current levels of investment and economic activity.

    Further below is a list of examples of activities within these sectors that may be eligible for a green or transition taxonomy label, subject to the development of activity-specific performance criteria and Do-No-Significant-Harm requirements.

    iv. Company-level expectations

    The Government of Canada supports the adoption of net-zero targets, credible transition plans, and robust climate disclosures by Canadian companies. These are key infrastructure elements of a robust sustainable finance market and are essential to achieving net-zero goals, fostering transparency, and enabling informed decision-making.

    The Government of Canada has committed to moving towards mandatory climate-related financial disclosures across a broad spectrum of the Canadian economy. Mandatory disclosure requirements are already in place for federal Crown corporations and federally regulated financial institutions. The Government of Canada intends to bring forward amendments to the Canada Business Corporations Act to enable climate-related financial disclosure requirements for large, federally incorporated private companies.

    The Government of Canada encourages the developers of the taxonomy to consider including these company-level requirements as part of the eligibility criteria for green and transition labelling in the Canadian taxonomy, in line with SFAC’s recommendations.

    Potential Company-Level Actions for Taxonomy Users

    • Net-Zero Targets

      A commitment to reach net-zero emissions by 2050 or earlier, usually with interim targets.​

    • Credible Transition Plans

      A strategy that lays out the company’s targets, actions, and/or resources for its transition toward a lower-carbon economy, including actions such as reducing its greenhouse gas emissions.​

    • Robust Climate Disclosure

      The provision of information about a company’s climate-related governance, risk management, strategy, and metrics and targets.​

    v. Governance and Funding

    Developing a taxonomy requires significant climate science and sectoral expertise and engagement with stakeholders, including financial market participants, industry, civil society, governments, regulators, and Indigenous partners. In addition, good governance practices are needed to oversee the development and implementation of a Canadian taxonomy that safeguards scientific integrity and meets market needs. The guiding principle of scientific credibility will ensure that the taxonomy’s green and transition labels are only applied to activities that are in line with the goal of limiting global warming to 1.5°C with no or limited overshoot.

    The Canadian taxonomy would be developed, implemented, and maintained at arm’s length to the Government of Canada by an organization or organizations external-to-government.

    The final determination of guiding principles, eligible activities, priority sectors and company-level expectations would rest with the external-to-government organization.

    The Government of Canada would contribute funding to support the technical work to develop the eligibility criteria for the taxonomy.

    Examples of Potential Taxonomy Eligible Activities

    Under the Canadian taxonomy, a range of economic activities that contribute to Canada’s net-zero transition will be eligible for a “green” or “transition” label, which, for example, could be used in the context of labelled bond issuances. Not all economic activities will be eligible.

    Through a survey of international taxonomies, the following examples of activities in priority sectors that may be eligible for a green and/or transition label were identified. These examples are in no way intended to direct the work of the arm’s length organization or organizations who will develop, implement, and maintain the Canadian taxonomy, who would make final determinations with respect to the inclusion of and criteria for these example activities, in line with the guiding principles, including alignment with limiting global warming to 1.5°C. As such, these examples should be considered indicative only, not prescriptive.

    It is expected that activity-specific performance criteria would be developed for each activity included in the Canadian taxonomy along, with Do-No-Significant-Harm requirements, to define the circumstances under which that activity would be eligible for green or transition labelling. That is, only some forms of a given activity might be eligible while other forms of the same activity might be ineligible. Some forms of an eligible activity may be green-eligible while other forms would be transition-eligible. As such, the examples below show activities that may  be eligible, subject to activity-specific criteria and Do-No-Significant-Harm requirements.

    These examples are not intended to be exhaustive. The international taxonomies surveyed to identify these examples reflect the economic and net-zero transition needs of other jurisdictions, which may be different from those of Canada, so it is to be expected that the Canadian taxonomy could break new ground and include sub-sectors or activities not covered in these examples. For example, it could include green and transition activities in the agricultural sector such as certain forms of crop and livestock agriculture.

    In consideration of Canada’s economic makeup, the taxonomy could potentially include activities that significantly reduce the emissions of existing natural gas production and/or the emissions associated with a limited buildout of existing production sites. The technical drafters may also consider a broad range of possible eligibility criteria for existing natural gas production, such as the displacement of more polluting fuels internationally, provided they are aligned with limiting global temperature rise to 1.5°C above pre-industrial levels. Based on the Guiding Principles, the Government does not anticipate new natural gas production to be eligible. The final determination of eligible activities across all sectors will be made by the arms length, external organization(s).

    In the electricity sector, examples of potentially eligible green or transition activities include:

    • Co-generation of heating or cooling and electricity from solar energy;
    • Electricity generation from bioenergy;
    • Electricity generation using concentrated solar power (CSP) technology;
    • Electricity generation from geothermal energy;
    • Electricity generation from hydropower;
    • Electricity generation from ocean energy technologies;
    • Electricity generation using solar photovoltaic technology;
    • Electricity generation from wind power;
    • Storage of electricity; and,
    • Transmission and distribution of electricity.

    In the transportation sector, examples of potentially eligible green or transition activities include:

    • Low carbon transport infrastructure, such as electric vehicle charging.
    • Zero-emission and low-emission operations of the following modes of transportation:
      • Air transport, including ground handling operations;
      • Freight transport by road;
      • Inland water transport;
      • Road passenger transport;
      • Sea and coastal water transport;
      • Railway transport; and,
      • Urban and suburban passenger land transport.

    In the buildings sector, examples of potentially eligible green or transition activities include:

    • Acquisition and ownership of low-emitting and energy-efficient buildings;
    • Construction of low-emitting and energy-efficient new buildings;
    • Installation of energy efficiency equipment;
    • Installation of renewable energy technologies; and,
    • Renovation of existing buildings to reduce emissions and/or improve energy efficiency.

    In the agriculture and forestry sectors, examples of potentially eligible green or transition activities include:Footnote 1

    • Afforestation;
    • Conservation, restoration, and maintenance of natural forests; and,
    • Sustainable forest management.

    In the heavy industry sector, examples of potentially eligible green or transition activities include:

    • The low-emission or energy-efficient manufacturing of:
      • Aluminum;
      • Basic chemicals, such as ammonia, aromatics BTX, carbon black, chlorine, nitric acid, and soda ash;
      • Cement;
      • Hydrogen;
      • Iron and steel; and,
      • Plastics in primary form.
    • The manufacturing of:
      • Batteries;
      • Energy efficiency equipment for buildings, such as energy-efficient appliances and light sources, energy-efficient HVAC systems, heat pumps, and energy-efficient building automation and control systems;
      • Equipment for the production of hydrogen through electrolysis;
      • Low-carbon technologies for household sector;
      • Low-carbon technologies for transport, such as low-carbon vehicles that meet transportation sector criteria; and,
      • Renewable energy technologies.
    • The mining of:Footnote 2
      • Copper;
      • Iron ore;
      • Lithium; and,
      • Nickel.

    MIL OSI Canada News

  • MIL-OSI USA: S. 2492, Ending Improper Payments to Deceased People Act

    Source: US Congressional Budget Office

    S. 2492 would permanently require the Social Security Administration (SSA) to share all of its data on deaths with the Do Not Pay program—a program administered by the Department of the Treasury that allows agencies to identify ineligible recipients by checking various databases before payments are made. Under current law, that requirement expires on December 27, 2026. 

    SSA collects information on deaths and maintains a record of all deaths reported to the agency, dating to 1936. SSA has more than 142 million death records that contain the deceased person’s name, Social Security number, date of birth, and date of death, including 40 million records of deaths reported by states. SSA uses those data to administer its programs and shares the information with other agencies that administer federal benefit programs.

    SSA provides the complete death file (also known as the full file of death information) to eight federal agencies, including the Internal Revenue Service, the Centers for Medicare and Medicaid Services, and the Department of Defense. Other agencies that pay federal benefits can access that information using the Do Not Pay program.

    MIL OSI USA News

  • MIL-OSI USA: FACT SHEET: Hurricane Helene Recovery Continues as Biden-⁠ Harris Administration Prepares for Hurricane  Milton

    US Senate News:

    Source: The White House
    The Biden-Harris Administration continues to both make urgent and life-saving preparations for Hurricane Milton and carry out response and recovery efforts for communities impacted by Hurricane Helene.
    Today, President Biden and Vice President Harris received a briefing from members of their Administration about updates on the latest forecast for Hurricane Milton, expected impacts for the State of Florida, and the robust pre-landfall preparations underway. They also received an update on the ongoing response to the impacts of Hurricane Helene across the Southeast and Appalachia. President Biden will address the Nation tonight regarding Hurricane Milton.
    President Biden has spoken to Florida Governor Ron DeSantis, Tampa Mayor Jane Castor, Clearwater Mayor Bruce Rector, and Pinellas County Chairwoman Kathleen Peters to get firsthand reports on recovery efforts for Hurricane Helene and to discuss preparations for Hurricane Milton. The President told each of the officials to call him directly if they need additional assistance on response and recovery efforts.
    More than 8,000 Federal personnel are on the ground across the Southeast, including in Florida, to continue Hurricane Helene recovery efforts and respond to the impacts of Hurricane Milton.
    At the direction of President Biden, FEMA Administrator Deanne Criswell will travel to Florida tonight to join the personnel on the ground and ensure every Floridian gets the help they need when this storm passes.
    Additional updates on our efforts for Hurricanes Milton and Helene include:
    Hurricane Milton Pre-Landfall Preparations
    Pre-Landfall Outreach and Emergency Declarations
    President Biden granted pre-landfall emergency declarations for the State of Florida and the Seminole Tribe of Florida for Hurricane Milton, enabling FEMA to provide direct assistance to the state, local and Tribal response, preposition supplies and response assets and mobilize hundreds of personnel in the state, many of whom were already in place supporting the Hurricane Helene response.
    The White House has been in contact with more than 60 Florida officials from all 51 counties that fall under the pre-landfall Emergency Declaration approved by President Biden. We remain in close communication with officials in the 16 cities and counties that will likely be in the direct path of the storm.
    Surging Resources and Personnel to Florida
    FEMA has over 1,000 responders on the ground in Florida supporting Hurricane Milton preparations and recovery efforts from previous disasters. There are over 1,400 search and rescue personnel pre-staged to support Hurricane Milton response efforts.
    The U.S. Coast Guard has 1,300 personnel stationed in Florida ready to immediately assist with life-saving and life sustaining search and rescue operations throughout the State. The Coast Guard also has personnel ready who will work directly with the U.S. Army Corps of engineers to assess and open the critical lifeline of the Port of Tampa as quickly as possible to ensure necessary supplies and fuel can start to flow into the impacted areas again.
    The State of Florida has activated over 6,000 members of the National Guard and expects to bring on an additional 3,000 National Guard members from Florida and other States to support State response activities.
    The Federal government has pre-positioned resources to support local and state response efforts ahead of Hurricane Milton. FEMA pre-staged seven FEMA Incident Management Assistance Teams, eight federal Urban Search & Rescue and swift water rescue teams, three U.S. Coast Guard Swift Water Rescue teams, 10 HealthCare System Assessment Teams, two U.S Army Corps of Engineers temporary power teams, debris experts, Environmental Protection Agency wastewater experts, over 500 ambulances, 20 helicopters prepared to support media requirements following landfall, and 60 High Water Vehicles with ladders from the Department of Defense.
    Additionally, FEMA has five incident staging bases with commodities including food and water. Right now, FEMA has 20 million meals and 40 million liters of water ready to deploy to address ongoing Helene and Milton response efforts with capacity to expand as needed.
    The Department of Defense is ready to support air search-and-rescue efforts, support urban search-and-rescue teams, provide helicopters to move personnel and equipment, and provide high water vehicles. The U.S. Army Corps of Engineers is staged across the area of impact and is prepared to support debris management, assessments of infrastructure and water/wastewater facilities, temporary power installations, and flood/water mitigation efforts.
    Additional Efforts to Support Pre-Landfall Preparations and Protect Communities
    The National Oceanic and Atmospheric Administration (NOAA) is leveraging state-of-the-art technology to keep communities safe throughout the southeast. NOAA’s fleet of “Hurricane Hunter” aircraft gather vital data to help improve track and intensity forecasts, supporting the 24-7 work of the National Weather Service (NWS). NWS provides the real-time, accurate information that assists local meteorologists and emergency operations leaders protect their communities and combat weather misinformation. Additionally, data from reconnaissance planes and drones used to survey damage following Hurricane Helene’s landfall will help us better prepare for post-Milton recovery operations.
    The Department of Energy’s Energy Response Organization remains activated to respond to storm impacts. Via the Electricity Sub-Sector Coordinating Council and Oil and Natural Gas Sub-Sector Coordinating Council, the Department has been coordinating continuously with energy sector partners on both the ongoing Hurricane Helene response and potential impacts from Hurricane Milton.
    The Department of Housing and Urban Development (HUD) has notified local public housing authorities and owners of its assisted multifamily and heath care properties within the State of Florida to immediately implement all appropriate safety protocols for residents and workers. HUD is committed to ensuring that residents of its assisted homes and properties receive critical information that can save lives during extreme weather events. HUD is also conducting outreach and communications on the programmatic flexibilities and waivers that can be utilized to assist communities and survivors. Additionally, HUD is working with communities, shelter operators and homelessness services providers to prepare and support them—in collaboration with FEMA and disaster assistance organizations such as the Red Cross—as they provide life-saving assistance before and after the storm.
    The Department of Health and Human Services’ Administration for Strategic Preparedness and Response (ASPR) is assessing potential critical supply chain disruptions following Hurricane Helene’s impact on the IV solution supply chain. ASPR is coordinating with B Braun, an IV solution manufacturer with a facility in Daytona Beach, Florida, to move their product out of the path of the storm and facilitate other activities that will mitigate potential impacts on future distribution. ASPR and HHS partners are committed to continue working with public and private partners to support the supply chain as facilities address return to full operational capacity. ASPR is encouraging manufacturers, wholesalers, and distributors to evaluate product allocation and healthcare providers to implement product conservation strategies to maximize available supply. ASPR is in communication with stakeholders to reduce disruption and facilitate product allocation.
    Protecting Impacts to Power and Travel Infrastructure
    The Department of Transportation is deploying a Federal Aviation Administration (FAA) Air Traffic Field Incident Response team to Florida and pre-staging operations in Jacksonville to support any impacted towers and airports. The team will work with the State and local authorities and the Department of Defense within the established Emergency Operations Center. The Department of Transportation is also deploying the FAA Communication Support Team (CST), which plays a critical role in restoring communications at impacted air traffic management facilities. Specifically, the CST will set up Starlink and Mobile Phone Bonding kits, which increase signal stability and data throughout the region. The FAA Air Traffic Organization Technical Operations Team is on-site and leading the restoration efforts for communications at air traffic facilities. The FAA is placing aircraft on standby to transport personnel from various agencies, mobilize resources, and support damage assessments to infrastructure.
    The FAA granted permission to the utility Florida Power & Light to use large Teros drones to assist with damage assessments and power restoration after Milton passes. These 1,800-pound drones can fly in harsh conditions and operate in winds up to 70 mph before crewed aircraft are able to fly.
    The Department of Transportation’s Federal Highway Administration is coordinating with the Florida Department of Transportation (FDOT) and is prepared to rapidly process Emergency Relief (ER) funding requests from FDOT. The ER program helps pay for long-term, permanent repairs, and other immediate emergency repairs, such as protecting remaining facilities and restoring essential traffic. It reimburses State, local, federal, Tribal, and territorial governments for eligible expenses associated with damage from natural disasters or other emergency situations based on their requests.
    Hurricane Helene Response and Recovery
    The Department of Defense continues to support search-and-rescue operations, route clearance, and commodities distribution across western North Carolina with 1,500 active-duty troops. The Department of Defense is also employing additional capabilities to assist with increasing situational awareness across the remote terrain of Western North Carolina. The Army Corps of Engineers continues missions supporting temporary emergency power installations, infrastructure assessments, and debris management oversight.
    Mobilizing Financial Assistance and Surging Additional Personnel and Resources
    Over $344 million in assistance has been provided to Hurricane Helene survivors. President Biden approved a 100 percent Federal cost-share for Florida, Georgia, North Carolina, South Carolina and Tennessee to assist in those States’ response efforts. In North Carolina alone, FEMA has approved over $60 million in aid for more than 51,000 households.
    FEMA personnel and other Federal partners, including FEMA’s Surge Capacity Force, remain on the ground supporting impacted communities, with over 17.2 million meals and 13.9 million liters of water delivered and ensuring information is accessible, including resources in preferred languages and ASL.
    Over the course of the last two weeks, 1,000 Urban Search and Rescue personnel have assisted over 3,200 survivors. FEMA Disaster Survivor Assistance Teams are on the ground in neighborhoods in all Helene-affected States helping survivors apply for assistance and connecting them with additional State, local, Federal and voluntary agency resources.
    Supporting Infrastructure Recovery
    The U.S. Department of Transportation’s Federal Highway Administration announced over $130 million in Quick Release Emergency Relief funding to support North Carolina, South Carolina, and Tennessee. The funding represents a down payment to address the immediate needs to restore vital transportation systems in these states. Additional funding will flow to affected communities from the Emergency Relief program.
    The Federal Aviation Administration (FAA) worked with partners to ensure the national airspace returned to steady state operations and all airports across impacted states reopened. The FAA’s Security and Hazardous Materials Safety Communication Support Team was deployed to restore communications to impacted airports, including delivering satellite communications kits to the Asheville Regional Airport in North Carolina and ongoing work at Valdosta Regional Airport in Georgia. The FAA Air Traffic Organization Technical Operations Team is on-site and leading communications restoration efforts at air traffic facilities. FAA also supported FEMA with two aircrafts to conduct flyover assessments and transport emergency personnel and gear, such as satellite communications kits.
    Additionally, the Federal Motor Carrier Safety Administration issued Regional Emergency Declarations for Florida, Georgia, Kentucky, North Carolina, South Carolina, Tennessee, Virginia, and West Virginia. This Declaration affords emergency regulatory relief from Federal Motor Carrier Safety regulations, including maximum driving time for property- and passenger-carrying vehicles from the date of declaration. This allows truck drivers to get essential supplies to affected areas. The FMCSA Regional Declaration eliminates the need for each individual state to request a 14-day extension and allows FMCSA the ability to manage one declaration that includes all eight states and does not expire until October 27.
    NOAA continues to support post-disaster imagery flights following Hurricane Helene, already totaling over 68 flight hours during 20 flights, including over western North Carolina. NOAA is currently repositioning to support Florida and the impacts of Hurricane Milton. NOAA’s aerial imagery captures damage to coastal areas caused by a storm and aids safe navigation. Aerial imagery is a crucial tool to determine the extent of the damage from flooding, and to compare baseline coastal areas to assess the damage to major ports and waterways, coastlines, critical infrastructure, and coastal communities. This imagery not only supports FEMA and the broader response community, but the public at large.
    Supporting Students and Student Loan Borrowers
    The U.S. Department of Education is lifting up a series of resources for students, families, and borrowers impacted by these hurricanes. These resources include guidance, in person support, technical assistance, and peer-to-peer connections for state and local leaders; resources for recovery needs such as mental health support for students and educators; flexibilities to help institutions of higher education continue to manage the Federal financial aid programs; and automatically enrolling affected borrowers with missed payments into a natural disaster forbearance. Thanks to regulations issued by the Biden-Harris Administration, this forbearance will count toward Public Service Loan Forgiveness (PSLF) and income-driven repayment forgiveness.
    Providing Financial Flexibilities to Homeowners and Taxpayers
    The Department of Housing and Urban Development is providing a 90-day moratorium on foreclosures of mortgages insured by the Federal Housing Administration (FHA) as well as foreclosures of mortgages to Native American borrowers guaranteed under the Section 184 Indian Home Loan Guarantee program. The moratorium and extension are effective as of the President’s disaster declaration date in each state. When homes are destroyed or damaged to an extent that reconstruction or complete replacement is necessary, HUD’s Section 203(h) program provides FHA insurance to disaster victims. Borrowers from participating FHA approved lenders are eligible for 100 percent financing including closing costs. HUD’s Section 203(k) loan program enables individuals to finance the purchase or refinance of a house, along with its repair, through a single mortgage. Homeowners can also finance the rehabilitation of their existing homes if damaged. FHA is coordinating and collaborating with the Federal Housing Finance Agency, Department of Veterans Affairs and the Department of Agriculture to ensure consistent messaging and policies for single family loans regarding foreclosure moratoriums and repayment/arrearage agreements. Additionally, affected homeowners that have mortgages through Government-Sponsored Enterprises – including Fannie Mae and Freddie Mac – and the FHA are eligible to suspend their mortgage payments through a forbearance plan for up to 12 months.
    The Internal Revenue Service announced disaster tax relief for all individuals and businesses affected by Hurricane Helene, including the entire states of Alabama, Georgia, North Carolina and South Carolina and parts of Florida, Tennessee and Virginia. Taxpayers in these areas now have until May 1, 2025, to file various federal individual and business tax returns and make tax payments. In addition, the Internal Revenue Service is providing more than 1,000 employees to help with FEMA disaster relief call lines and intake initial information to help disaster victims get federal relief. IRS Criminal Investigation agents are also on the ground in devastated areas to help with search and rescue efforts and other relief work – including assisting with door-to-door search efforts.
    Protecting Public Health
    The U.S. Department of Health and Human Services activated the Emergency Prescription Assistance Program for North Carolina to aid uninsured residents in replacing prescription medicines or certain medical equipment lost or damaged in Hurricane Helene.
    The U.S. Environmental Protection Agency is working closely with state and local officials to restore drinking water service in North Carolina and across the Southeast as well as provide assistance in debris and hazardous waste clean-up efforts.
    Supporting Workers and Worker Safety
    The U.S. Department of Labor announced initial emergency grant funding to Florida to support disaster-relief jobs and training services to help respond to Hurricane Helene. Additional grant funding for North Carolina is forthcoming. The National Dislocated Worker Grant – supported by the Workforce Innovation and Opportunity Act of 2014 – allows the Florida Department of Commerce to provide people with temporary disaster-relief jobs and the delivery of humanitarian assistance to address immediate, basic needs for those displaced by Hurricane Helene. The funding also enables the state to provide training and services to individuals in the affected communities.
    Working alongside the Department of Labor, the States of Florida, North Carolina, South Carolina, and Tennessee have all announced that eligible workers can receive federal Disaster Unemployment Assistance to compensate for income lost directly resulting from Hurricane Helene. And, through the Department of Labor’s innovative partnership with the U.S. Postal Service, displaced workers from North Carolina and South Carolina can now go to the post office in any other state and verify their ID for purposes of getting their benefits quickly.
    The Department of Labor is also working alongside on-the-ground personnel providing disaster relief, recovery, and rebuilding to prevent additional workplace disasters. This includes producing a worker safety training resource for resilience workers in Florida who are continuing to clear debris, rebuild infrastructure, and prepare for Hurricane Milton. This also includes activating the Wage and Hours Division Natural Disaster outreach, education and strategic enforcement program to provide employers and workers with the information they need to ensure everyone is paid correctly under the law.

    MIL OSI USA News

  • MIL-OSI USA: A Forest Fire in Western Wyoming

    Source: NASA

    Smoke billowed from a fire in the forests of western Wyoming in early October 2024. High winds and low humidity helped the Pack Trail fire spread over 60,000 acres, forcing people to evacuate from cabins, homes, and ranches west of Dubois, Wyoming, according to local news reports.
    Lightning ignited the fire on September 15, and it continued to burn over three weeks later in both the Bridger-Teton National Forest and the Shoshone National Forest. By October 6, gusty winds of up to 60 miles (97 kilometers) per hour helped the fire spread 7 miles eastward, chewing through timber on the slopes near South Fork Fish Creek. This image, acquired by the MODIS (Moderate Resolution Imaging Spectroradiometer) instrument on NASA’s Aqua satellite, shows smoke streaming from the region on October 7.
    Smoke darkened the air of valleys and towns both east and west of the blaze. As it flowed into the valley of Jackson Hole, the smoke prompted hazardous air quality alerts in Grand Teton National Park and elevated air quality concerns elsewhere. In downtown Jackson, 30 miles west of the fire, particulate matter made the air “unhealthy” on October 8 and 9, according to the U.S. Environmental Protection Agency’s AirNow Fire and Smoke Map. To the east of the flames, the smaller town of Dubois also had “unhealthy” air on those days.

    Smoke from multiple fires raging in Idaho can also be seen in the image above, acquired by the VIIRS (Visible Infrared Imaging Radiometer Suite) on the Suomi NPP satellite, which shows a wider view of the region. As of October 9, at least 14 active fires were burning across the state.
    Fire season in the western U.S. typically starts in the spring and ends when seasonal winter rains and snow arrive. As of October 9, 2024, the number of fires detected across the country this season has been slightly less than average: 40,000 compared to the 2014-2023 average of 47,000, according to the National Interagency Fire Center. However, the area burned has been greater than average: 7,600,000 acres compared to the average of 6,200,000 acres.
    NASA Earth Observatory images by Wanmei Liang, using VIIRS data from NASA EOSDIS LANCE, GIBS/Worldview, and the Suomi National Polar-orbiting Partnership; and MODIS data from NASA EOSDIS LANCE and GIBS/Worldview. Story by Emily Cassidy.

    MIL OSI USA News

  • MIL-OSI USA: The Marshall Star for October 9, 2024

    Source: NASA

    By Rick Smith
    Nearly 500 students and faculty of Auburn University gathered on campus Sept. 30-Oct. 2 to hear lectures from leading NASA propulsion and engineering experts and to talk careers goals and opportunities with representatives of the U.S. space program and various aerospace industry firms.
    The Aerospace Industry Day event, exclusively focused on careers supporting rocketry and space exploration, was the first of its kind at Auburn. University spokespersons said they hope to make it an annual expo – and team members from NASA’s Marshall Space Flight Center helped ensure the kickoff was a success.

    “The event marked a significant milestone for our organization and the university as a whole,” said Austin Miranda, an Auburn aerospace engineering undergraduate and president of Auburn’s chapter of the American Institute of Aeronautics and Astronautics. “We deeply appreciate NASA’s participation, which significantly enriched the experience for our attendees.”
    Marshall managers and engineers in the Space Launch System and Human Landing System programs, the Engineering Directorate, and the Space Nuclear Propulsion Office presented guest lectures, staffed exhibit booths, and met informally with students. The event also included a pair of intensive focus sessions on propulsion engineering, face-to-face networking opportunities between students and NASA and industry leaders, and a career fair with Marshall, the U.S. Space & Rocket Center, and more than a dozen leading aerospace industry companies.
    “As an Auburn alum, it’s always great to be able to return to the plains and engage in activities on campus,” said Josh Whitehead, associate manager of the SLS Stages Element at Marshall. “I was impressed not only with the outstanding faculty who engaged from multiple engineering departments, but also with the engineering students who asked informed, insightful questions about NASA, our missions, and the new technologies we are developing to enable exploration of space.”
    Mike Houts, nuclear research manager for NASA’s Space Nuclear Propulsion Office at Marshall, also was struck by students’ enthusiasm.
    “The students’ depth of interest and understanding was impressive,” he said. “Many of them stayed to talk long after events were officially over, and several have already followed up by email. I foresee lots of ‘win-win’ potential moving forward.”

    Among the aerospace industry participants were representatives from the U.S. Missile Defense Agency, Gulfstream Aerospace Corp., Jacobs Technology, Lockheed Martin, Relativity Space, Reliable Microsystems, RTX subsidiaries Pratt & Whitney and UTC Aerospace Systems, and Technology Service Corp. 
    “Everyone was impressed with the level of knowledge and interest from Auburn students, many of whom waited in long lines to ask questions and talk about career opportunities,” said Heather Haney, SLS Program test and verification subsystem manager. “NASA has a great history of collaborating with Auburn to support our nation’s space program, and that was reflected by the excitement on so many faces during the event.”
    Auburn has contributed to a number of key Marshall endeavors in recent years, including support for Marshall’s RAMPT (Rapid Analysis and Manufacturing Propulsion Technology) project, refining a variety of additive manufacturing processes, and for a new laser-ablation technology study to develop multi-material 3D printers for use in microgravity. The latter is set to begin testing in spring 2025. Additive manufacturing research at Auburn was pivotal to development of NASA’s 2024 Invention of the Year, an innovative rocket engine thrust chamber liner and fabrication method. Auburn students also are perennial contenders in annual NASA STEM events, including the NASA Human Exploration Rover Challenge and the Student Launch rocketry competition.
    The Aerospace Industry Day event was hosted by Auburn’s Office of Career Development and the Samuel Ginn College of Engineering.
    Smith, an Aeyon employee, supports the Marshall Office of Communications.
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    NASA and SpaceX are standing down from the Oct. 10 launch attempt of the agency’s Europa Clipper mission due to anticipated hurricane conditions in the area.
    Hurricane Milton is expected to move east to the Space Coast after making landfall on Florida’s west coast. High winds and heavy rain are expected in the Cape Canaveral and Merritt Island regions on Florida’s east coast. Launch teams have secured NASA’s Europa Clipper spacecraft in SpaceX’s hangar at Launch Complex 39A at the agency’s Kennedy Space Center ahead of the severe weather, and the center began hurricane preparations Oct. 6.

    “The safety of launch team personnel is our highest priority, and all precautions will be taken to protect the Europa Clipper spacecraft,” said Tim Dunn, senior launch director at NASA’s Launch Services Program.
    On Oct. 4, workers transported NASA’s Europa Clipper spacecraft from the Payload Hazardous Servicing Facility at Kennedy to the SpaceX Falcon Heavy rocket in the hangar as part of final launch preparations ahead of its journey to Jupiter’s icy moon. While Europa Clipper’s launch period opens Oct. 10, the window provides launch opportunities until Nov. 6.
    Once the storm passes, recovery teams will assess the safety of the spaceport before personnel return to work. Then launch teams will assess the launch processing facilities for damage from the storm.
    “Once we have the ‘all-clear’ followed by facility assessment and any recovery actions, we will determine the next launch opportunity for this NASA flagship mission,” Dunn said.
    Managed by Caltech in Pasadena, California, NASA’s Jet Propulsion Laboratory (JPL) leads the development of the Europa Clipper mission in partnership with the Johns Hopkins Applied Physics Laboratory (APL) in Laurel, Maryland, for NASA’s Science Mission Directorate. The main spacecraft body was designed by APL in collaboration with JPL and NASA’s Goddard Space Flight Center. The Planetary Missions Program Office at NASA’s Marshall Space Flight Center executes program management of the Europa Clipper mission. NASA’s Launch Services Program, based at Kennedy, manages the launch service for the Europa Clipper spacecraft.
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    The seven NASA astronauts aboard the International Space Station relaxed and took a break Oct. 8 before the SpaceX Crew-8 mission leaves. Mission managers are monitoring weather conditions off the coast of Florida with Hurricane Milton.
    Expedition 72 flight engineers Matthew Dominick, Mike Barratt, and Jeanette Epps of NASA and Alexander Grebenkin from Roscosmos are now targeting departure from the orbital outpost aboard the SpaceX Dragon Endeavour spacecraft for no earlier than 2:05 a.m. CDT on Oct. 13, pending weather. The Commercial Crew Program (CCP) crew is scheduled to call down to Mission Control Center for farewell remarks Oct. 10 at 8:15 a.m. Watch live coverage of both events on NASA+. Learn how to watch NASA content through a variety of platforms, including social media.

    Space biology and physics were the focus of research operations for the Expedition 72 crew Oct. 7. NASA flight engineer Nick Hague worked in the Columbus laboratory module swapping filters inside the BioLab’s incubator. BioLab supports the observation of microbes, cells, tissue cultures and more to understand the effects of weightlessness and radiation on organisms. NASA flight engineer Don Pettit set up a laptop computer on the Cell Biology Experiment Facility, a research incubator with an artificial gravity generator, located in the Kibo laboratory module.
    Station Commander Suni Williams explored space physics mixing gel samples and observing with a fluorescence microscope how particles of different sizes gel and coarsen. Results are expected to benefit the medicine, food, and cosmetic industries. NASA astronaut Butch Wilmore, who has been aboard the station with Williams since June 6, trained to operate advanced life support gear installed in the Microgravity Science Glovebox for a different space physics experiment then relaxed the rest of the day.
    The Huntsville Operations Support Center (HOSC) at NASA’s Marshall Space Flight Center provides engineering and mission operations support for the space station, the CCP, and Artemis missions, as well as science and technology demonstration missions. The Payload Operations Integration Center within HOSC operates, plans, and coordinates the science experiments onboard the space station 365 days a year, 24 hours a day.
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    Dave Reynolds has been named to the Senior Executive Service position of manager of the Space Launch System (SLS) Booster Office at NASA’s Marshall Space Flight Center, effective immediately. In his role, Reynolds is responsible for the design, development, and flight of the solid rocket boosters for the SLS rocket, NASA’s deep-space flagship rocket, designed for a new era of science and exploration.

    Reynolds began his NASA career in Marshall’s propulsion systems department in 2004 as a rocket engines component designer. Since 2020, Reynolds has served as the deputy program manager for the SLS Boosters Office. In this role, he was responsible for the execution of two major contracts with a combined value of $7.6 billion. He also served as an alternate to the manager for overseeing the performance, budget, schedule, and discretionary spending for developing, fabricating, and flying the SLS Boosters. Reynolds supervised a team of 31 civil servants and contractors and acted as the representative for the booster element in key SLS program reviews decision boards, milestones, and budget risk assessments.
    Reynolds’ previous roles include leading the development program for the SLS Booster Obsolescence and Life Extension effort starting in 2016, officially being selected as the development program manager in 2019. In this role he was responsible for creating the strategic plan and initiating the early development phases for the SLS Block II Booster. He also served as a SLS Booster subsystem manager from 2013-2019 where he was responsible for the management of the SLS motor cases, igniters, and small motors.
    From 2012-2013, Reynolds participated in a temporary rotational assignment with the Defense Intelligence Agency’s Missile and Space Intelligence Center where he acted as the NASA liaison as a propulsion subject matter expert and supported military intelligence assessments of foreign weapon systems. From 2002-2004, Reynolds was a design engineer at the Naval Air Warfare Center Weapons Division at China Lake, California, where he served as a propulsion designer specializing in the design, fabrication, and testing of U.S. Navy weapons propulsion systems.
    Reynolds holds a Bachelor of Science degree in chemical engineering from Brigham Young University and a Master of Business Administration and Management from the University of Alabama in Huntsville. He holds two patents for additive manufacturing technologies and has received numerous NASA awards including the Outstanding Leadership Medal, the Exceptional Achievement Medal, and the Silver Snoopy.
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    By Wayne Smith
    NASA has selected 75 student teams to begin an engineering design challenge to build rovers that will compete next spring at the U.S. Space and Rocket Center near the agency’s Marshall Space Flight Center. The competition is one of the agency’s Artemis Student Challenges, encouraging students to pursue degrees and careers in science, technology, engineering, and mathematics (STEM).

    Recognized as NASA’s leading international student challenge, the 31st annual Human Exploration Rover Challenge (HERC) aims to put competitors in the mindset of NASA’s Artemis campaign as they pitch an engineering design for a lunar terrain vehicle which simulates astronauts piloting a vehicle, exploring the lunar surface while overcoming various obstacles.
    Participating teams represent 35 colleges and universities, 38 high schools, and two middle schools from 20 states, Puerto Rico, and 16 other nations from around the world. The 31st annual Human Exploration Rover Challenge (HERC) is scheduled to begin on April 11, 2025. The challenge is managed by NASA’s Southeast Regional Office of STEM Engagement at Marshall.
    Following a 2024 competition that garnered international attention, NASA expanded the challenge to include a remote-control division, Remote-Operated Vehicular Research, and invited middle school students to participate. The 2025 HERC Handbook includes guidelines for the new remote-control division and updates for the human-powered division.
    NASA’s Artemis Student Challenges reflects the goals of the Artemis campaign, which seeks to land the first woman and first person of color on the Moon while establishing a long-term presence for science and exploration.
    More than 1,000 students with 72 teams from around the world participated in the 2024 challenge as HERC celebrated its 30th anniversary as a NASA competition. Since its inception in 1994, more than 15,000 students have participated in HERC – with many former students now working at NASA, or within the aerospace industry. 
    Smith, a Media Fusion employee and the Marshall Star editor, supports the Marshall Office of Communications.
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    By Wayne Smith
    NASA has selected 71 teams from across the U.S. to participate in its 25th annual Student Launch Challenge, one of the agency’s Artemis Student Challenges. The competition is aimed at inspiring Artemis Generation students to explore science, technology, engineering, and math (STEM) for the benefit of humanity.
    As part of the challenge, teams will design, build, and fly a high-powered amateur rocket and scientific payload. They also must meet documentation milestones and undergo detailed reviews throughout the school year.

    The nine-month-long challenge will culminate with on-site events starting on April 30, 2025. Final launches are scheduled for May 3, at Bragg Farms in Toney, Alabama, just minutes north of NASA’s Marshall Space Flight Center. Teams are not required to travel for their final launch, having the option to launch from a qualified site. Details are outlined in the Student Launch Handbook.
    Each year, NASA updates the university payload challenge to reflect current scientific and exploration missions. For the 2025 season, the payload challenge will again take inspiration from the Artemis missions, which seek to land the first woman and first person of color on the Moon, and pave the way for future human exploration of Mars.
    As Student Launch celebrates its 25th anniversary, the payload challenge will include reports from STEMnauts, non-living objects representing astronauts. The STEMnaut crew must relay real-time data to the student team’s mission control via radio frequency, simulating the communication that will be required when the Artemis crew achieves its lunar landing.
    University and college teams are required to meet the 2025 payload requirements set by NASA, but middle and high school teams have the option to tackle the same challenge or design their own payload experiment.
    Student teams will undergo detailed reviews by NASA personnel to ensure the safety and feasibility of their rocket and payload designs. The team closest to their target will win the Altitude Award, one of multiple awards presented to teams at the end of the competition. Other awards include overall winner, vehicle design, experiment design, and social media presence.
    In addition to the engineering and science objectives of the challenge, students must also participate in outreach efforts such as engaging with local schools and maintaining active social media accounts. Student Launch is an all-encompassing challenge and aims to prepare the next generation for the professional world of space exploration.
    The Student Launch Challenge is managed by Marshall’s Office of STEM Engagement (OSTEM). Additional funding and support are provided by NASA’s OSTEM via the Next Gen STEM project, NASA’s Space Operations Mission Directorate, Northrup Grumman, National Space Club Huntsville, American Institute of Aeronautics and Astronautics, National Association of Rocketry, Relativity Space, and Bastion Technologies.
    Smith, a Media Fusion employee and the Marshall Star editor, supports the Marshall Office of Communications.
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    NASA’s Deep Space Optical Communications technology demonstration broke yet another record for laser communications this summer by sending a laser signal from Earth to NASA’s Psyche spacecraft about 290 million miles away. That’s the same distance between our planet and Mars when the two planets are farthest apart.
    Soon after reaching that milestone on July 29, the technology demonstration concluded the first phase of its operations since launching aboard Psyche on Oct. 13, 2023.

    “The milestone is significant. Laser communication requires a very high level of precision, and before we launched with Psyche, we didn’t know how much performance degradation we would see at our farthest distances,” said Meera Srinivasan, the project’s operations lead at NASA’s Jet Propulsion Laboratory. “Now the techniques we use to track and point have been verified, confirming that optical communications can be a robust and transformative way to explore the solar system.”
    Managed by JPL, the Deep Space Optical Communications experiment consists of a flight laser transceiver and two ground stations. Caltech’s historic 200-inch aperture Hale Telescope at Caltech’s Palomar Observatory in San Diego County, California, acts as the downlink station to which the laser transceiver sends its data from deep space. The Optical Communications Telescope Laboratory at JPL’s Table Mountain facility near Wrightwood, California, acts as the uplink station, capable of transmitting 7 kilowatts of laser power to send data to the transceiver.
    By transporting data at rates up to 100 times higher than radio frequencies, lasers can enable the transmission of complex scientific information as well as high-definition imagery and video, which are needed to support humanity’s next giant leap when astronauts travel to Mars and beyond.
    As for the spacecraft, Psyche remains healthy and stable, using ion propulsion to accelerate toward a metal-rich asteroid in the main asteroid belt between Mars and Jupiter.
    The technology demonstration’s data is sent to and from Psyche as bits encoded in near-infrared light, which has a higher frequency than radio waves. That higher frequency enables more data to be packed into a transmission, allowing far higher rates of data transfer.
    Even when Psyche was about 33 million miles away – comparable to Mars’ closest approach to Earth – the technology demonstration could transmit data at the system’s maximum rate of 267 megabits per second. That bit rate is similar to broadband internet download speeds. As the spacecraft travels farther away, the rate at which it can send and receive data is reduced, as expected.

    [embedded content]
    This 45-second ultra-high-definition video was streamed via laser from deep space by NASA’s Deep Space Optical Communications technology demonstration June 24, when the Psyche spacecraft was 240 million miles from Earth.

    On June 24, when Psyche was about 240 million miles from Earth – more than 2½ times the distance between our planet and the Sun – the project achieved a sustained downlink data rate of 6.25 megabits per second, with a maximum rate of 8.3 megabits per second. While this rate is significantly lower than the experiment’s maximum, it is far higher than what a radio frequency communications system using comparable power can achieve over that distance.
    The goal of Deep Space Optical Communications is to demonstrate technology that can reliably transmit data at higher speeds than other space communication technologies like radio frequency systems. In seeking to achieve this goal, the project had an opportunity to test unique data sets like art and high-definition video along with engineering data from the Psyche spacecraft. For example, one downlink included digital versions of Arizona State University’s “Psyche Inspired” artwork, images of the team’s pets, and a 45-second ultra-high-definition video that spoofs television test patterns from the previous century and depicts scenes from Earth and space.
    The technology demonstration beamed the first ultra-high-definition video from space, featuring a cat named Taters, from the Psyche spacecraft to Earth on Dec. 11, 2023, from 19 million miles away. (Artwork, images, and videos were uploaded to Psyche and stored in its memory before launch.)
    “A key goal for the system was to prove that the data-rate reduction was proportional to the inverse square of distance,” said Abi Biswas, the technology demonstration’s project technologist at JPL. “We met that goal and transferred huge quantities of test data to and from the Psyche spacecraft via laser.” Almost 11 terabits of data have been downlinked during the first phase of the demo.
    The flight transceiver is powered down and will be powered back up on Nov. 4. That activity will prove that the flight hardware can operate for at least a year.
    “We’ll power on the flight laser transceiver and do a short checkout of its functionality,” said Ken Andrews, project flight operations lead at JPL. “Once that’s achieved, we can look forward to operating the transceiver at its full design capabilities during our post-conjunction phase that starts later in the year.”
    This demonstration is the latest in a series of optical communication experiments funded by the Space Technology Mission Directorate’s Technology Demonstration Missions Program managed at NASA’s Marshall Space Flight Center and the agency’s SCaN (Space Communications and Navigation) program within the Space Operations Mission Directorate. Development of the flight laser transceiver is supported by MIT Lincoln Laboratory, L3 Harris, CACI, First Mode, and Controlled Dynamics Inc. Fibertek, Coherent, Caltech Optical Observatories, and Dotfast support the ground systems. Some of the technology was developed through NASA’s Small Business Innovation Research program.
    Psyche is the 14th mission selected as part of NASA’s Discovery Program, which is managed by Marshall.
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    By Rick Smith
    An ancient celestial traveler will make its first close pass by Earth in mid-October. Mark those calendars – because it won’t be back for another 80,000 years.
    The Oort Cloud comet, called C/2023 A3 Tsuchinshan-ATLAS, was discovered in 2023, approaching the inner solar system on its highly elliptical orbit for the first time in documented human history. It was identified by observers at China’s Tsuchinshan – or “Purple Mountain” – Observatory and an ATLAS (Asteroid Terrestrial-impact Last Alert System) telescope in South Africa. The comet was officially named in honor of both observatories.

    The comet successfully made its closest transit past the Sun on Sept. 27. Scientists surmised it might well break up during that pass, its volatile and icy composition unable to withstand the intense heat of our parent star, but it survived more or less intact – and is now on track to come within approximately 44 million miles of Earth on Oct. 12.
    “Comets are more fragile than people may realize, thanks to the effects of passing close to the Sun on their internal water ice and volatiles such as carbon monoxide and carbon dioxide,” said NASA astronomer Bill Cooke, who leads the Meteoroid Environment Office at NASA’s Marshall Space Flight Center. “Comet Kohoutek, which reached the inner solar system in 1973, broke up while passing too close to the Sun. Comet Ison similarly failed to survive the Sun’s intense heat and gravity during perihelion in 2013.”
    Though Comet Tsuchinshan-ATLAS will be ideally positioned to view from the Southern Hemisphere, spotters above the equator should have a good chance as well. Peak visibility will occur Oct. 9-10, once the half-moon begins to move away from the comet.
    Choose a dark vantage point just after full nightfall, Cooke recommended. Looking to the southwest, roughly 10 degrees above the horizon, identify the constellations of Sagittarius and Scorpio. Tsuchinshan-ATLAS should be visible between them. By Oct. 14, the comet may remain visible at the midway point between the bright star Arcturus and the planet Venus.
    “And savor the view,” Cooke advised – because by early November, the comet will be gone again for the next 800 centuries.
    It’s highly unlikely Tsuchinshan-ATLAS will be visible in daylight hours, except perhaps at twilight, Cooke said. In the past 300 years of astronomical observation, only nine previous comets have been bright enough to spot during the day. The last were Comet West in 1976 and, under ideal conditions, Comet Hale-Bopp in 1997.
    The brightness of comets is measured on the same scale we use for stars, one that has been in use since roughly 150 B.C., when it was devised by the ancient scholar Hipparchus and refined by the astronomer Ptolemy. Stellar magnitude is measured on a logarithmic scale, which makes a magnitude 1 star exactly 100 times brighter than a magnitude 6 star. The lower the number the brighter the object, making it more likely to be clearly seen, whether by telescope or the naked eye.

    “Typically, a comet would have to reach a magnitude of –6 to –10 to be seen in daylight,” Cooke said. “That’s extremely rare.”
    At peak visibility in the northern hemisphere, Tsuchinshan-ATLAS’s brightness is estimated at between 2 and 4. In comparison, the brightest visible star in the night sky, Sirius, has a magnitude of –1.46. At its brightest, solar reflection from Venus is a magnitude of –4. The International Space Station sometimes achieves a relative brightness of –6.
    Comets are often hard to predict because they’re extended objects, Cooke noted, with their brightness spread out and often dimmer than their magnitude suggests. At the same time, they may benefit from a phenomenon called “forward scattering,” which causes sunlight to bounce more intensely off all the gas and debris in the comet’s tail and its coma – the glowing nebula that develops around it during close stellar orbit – and causing a more intense brightening effect for observers.
    “If there is a lot of forward scattering, the comet could be as bright as magnitude –1,” Cooke said. That could make it “visible to the unaided eye or truly spectacular with binoculars or a small telescope.”
    What will become of Comet Tsuchinshan-ATLAS? Cooke noted that it is not expected to draw too near the planetary giants of our system, but eventually could be flung out of the solar system – like a stone from a sling – due to the gravitational influence of other worlds and its own tenuous bond with the Sun.
    But the hardy traveler likely still has miles to go yet. “I learned a long time ago not to gamble on comets,” Cooke said. “We’ll have to wait and see.”
    Smith, an Aeyon employee, supports the Marshall Office of Communications.
    › Back to Top

    There’s more to thunderclouds than rain and lightning. Along with visible light emissions, thunderclouds can produce intense bursts of gamma rays, the most energetic form of light, that last for millionths of a second. The clouds can also glow steadily with gamma rays for seconds to minutes at a time.

    Researchers using NASA airborne platforms have now found a new kind of gamma-ray emission that’s shorter in duration than the steady glows and longer than the microsecond bursts. They’re calling it a flickering gamma-ray flash. The discovery fills in a missing link in scientists’ understanding of thundercloud radiation and provides new insights into the mechanisms that produce lightning. The insights, in turn, could lead to more accurate lightning risk estimates for people, aircraft, and spacecraft.
    Researchers from the University of Bergen in Norway led the study in collaboration with scientists from NASA’s Marshall Space Flight Center and Goddard Space Flight Center, the U.S. Naval Research Laboratory, and multiple universities in the U.S., Mexico, Colombia, and Europe. The findings were described in a pair of papers in Nature, published Oct. 2.
    The international research team made their discovery while flying a battery of detectors aboard a NASA ER-2 research aircraft. In July 2023, the ER-2 set out on a series of 10 flights from MacDill Air Force Base in Tampa, Florida. The plane flew figure-eight flight patterns a few miles above tropical thunderclouds in the Caribbean and Central America, providing unprecedented views of cloud activity.
    The scientific payload was developed for the Airborne Lightning Observatory for Fly’s Eye Geostationary Lightning Mapper Simulator and Terrestrial Gamma-ray Flashes (ALOFT) campaign. Instrumentation in the payload included weather radars along with multiple sensors for measuring gamma rays, lightning flashes, and microwave emissions from clouds. 
    The researchers had hoped ALOFT instruments would observe fast radiation bursts known as terrestrial gamma-ray flashes (TGFs). The flashes, first discovered in 1992 by NASA’s Compton Gamma Ray Observatory spacecraft, accompany some lightning strikes and last only millionths of a second. Despite their high intensity and their association with visible lightning, few TGFs have been spotted during previous aircraft-based studies.  
    “I went to a meeting just before the ALOFT campaign,” said principal investigator Nikolai Østgaard, a space physicist with the University of Bergen. “And they asked me: ‘How many TGFs are you going to see?’ I said: ‘Either we’ll see zero, or we’ll see a lot.’ And then we happened to see 130.” 
    However, the flickering gamma-ray flashes were a complete surprise.

    “They’re almost impossible to detect from space,” said co-principal investigator Martino Marisaldi, who is also a University of Bergen space physicist. “But when you are flying at 20 kilometers (12.5 miles) high, you’re so close that you will see them.” The research team found more than 25 of these new flashes, each lasting between 50 to 200 milliseconds. 
    The abundance of fast bursts and the discovery of intermediate-duration flashes could be among the most important thundercloud discoveries in a decade or more, said University of New Hampshire physicist Joseph Dwyer, who was not involved in the research. “They’re telling us something about how thunderstorms work, which is really important because thunderstorms produce lightning that hurts and kills a lot of people.” 
    More broadly, Dwyer said he is excited about the prospects of advancing the field of meteorology. “I think everyone assumes that we figured out lightning a long time ago, but it’s an overlooked area … we don’t understand what’s going on inside those clouds right over our heads.” The discovery of flickering gamma-ray flashes may provide crucial clues scientists need to understand thundercloud dynamics, he said.
    Turning to aircraft-based instrumentation rather than satellites ensured a lot of bang for research bucks, said the study’s project scientist, Timothy Lang of Marshall. 
    “If we had gotten one flash, we would have been ecstatic – and we got well over 100,” he said. This research could lead to a significant advance in our understanding of thunderstorms and radiation from thunderstorms. “It shows that if you have the right problem and you’re willing to take a little bit of risk, you can have a huge payoff.”
    › Back to Top

    By Paola Pinto
    NASA Short-term Prediction Research and Transition (SPoRT) Center’s sea surface temperature (SST) product is a pivotal resource for enhancing weather analysis, forecasting, and marine safety at the National Weather Service (NWS) and within the coastal/marine user community.

    Its real-world applications range from improving weather forecasts to enhancing marine safety. What sets this SST product apart from others is its integration of data from multiple satellites, generating a high-resolution 7-day composite at a 2 km resolution. By combining observations from five satellites – three VIIRS and two AVHRR on polar-orbiting satellites like SNPP and MetOp – it achieves around 80% coverage of SST data that are less than two days old, ensuring timely and accurate insights for remote ocean areas, coastal regions, and large lakes. This advanced system supports critical functions such as tropical storm monitoring, visibility forecasts, and ice formation predictions.
    David Marsalek, a meteorologist with NOAA’s NWS in Cleveland, Ohio, highlights the value of SST data for the safety of the Great Lakes, particularly for shipping and recreational activities. Marsalek, who has been focused on marine conditions, notes the dual role of SST data in both summer and winter.
    “For us at WFO Cleveland, SST data is vital year-round,” Marsalek said. During winter, Marsalek emphasizes the role of SST data in forecasting ice formation. He indicates that in Lake Erie, during colder months, the SST product from NASA SPoRT is crucial for predicting ice formation for Great Lakes interests.
    “Our office relies heavily on this data to issue ice outlooks for the pre-ice season in fall and early winter and advisories for situations such as rapid ice growth,” he said. “Without it, we would struggle to provide accurate long-term forecasts, especially as buoys are often removed before ice forms.”
    The SPoRT SST product helps his team bridge this gap, enabling them to make informed predictions about ice development.
    Brian LaMarre, a meteorologist with NWS in Tampa Bay, Florida, said SPoRT SST data, introduced through a pilot project from 2012 to 2015, has become essential for Tampa Bay’s 24/7 forecasting and warnings. The high-resolution SST data is crucial for maritime navigation, particularly in improving marine channel forecasts and helping forecasters anticipate visibility restrictions due to fog in the Port of Tampa Bay. By integrating the SPoRT SST product with air and dewpoint temperature forecasts, forecasters can diagnose when fog will form due to warm, moist air flowing over cooler SSTs in the channel, especially during the Florida fog season from late fall into early spring. This accurate forecasting is essential for Tampa Bay’s largest port, which handles $18 billion in trade annually. Unanticipated port closures due to fog can have a significant economic impact, halting shipping operations and causing costly delays.
    “This data supports decision making for the Coast Guard and harbor pilots,” LaMarre said.

    Additionally, SPoRT SST data aids in assessing water temperature impacts during major weather events like hurricanes, further ensuring the safety and economic viability of the region. LaMarre also highlighted how SST data provides timely temperature forecasts to local organizations focused on marine life rescue. This helps them quickly deploy rescue missions for wildlife, such as sea turtles and manatees, affected by cold water stunning events.
    John Kelley and his nowCOAST Team at NOAA’s National Ocean Service Coastal Marine Modeling Branch within the Coast Survey Development Lab have made NASA SPoRT SST composites available via nowCOAST’s web mapping services and GIS-based map viewer for the past nine years. On average, nowCoast receives around 400,000 monthly hits and even higher web traffic during severe weather events; some users include state agencies, the Coast Guard, and marine industry professionals.
    “The SPoRT SST composite is integrated with a variety of data and information from NOAA, such as tropical cyclone track and intensity forecasts, lightning strike density maps, and marine weather warnings, to support critical operations like marine navigation, coastal resiliency, and disaster preparedness and response,” Kelley said. Accurate SST data plays a key role in helping vessels navigate safely through shifting ocean temperatures and currents, which can affect fuel efficiency, weather conditions, and route planning. It also supports coastal communities by providing timely data to anticipate severe weather events, such as hurricanes, which can impact ecosystems and infrastructure.
    Kelley said SPoRT SST is also used to evaluate the accuracy of short-range predictions from the National Ocean Service operational numerical oceanographic forecast models for both coastal oceans and the Great Lakes. Recently, the composites have been crucial in evaluating lake surface temperature predictions for large, non-Great Lakes inland lakes, where in-situ water temperature observations are often unavailable.
    “The SPoRT SST composites provide critical verification data for large lakes where in-situ water temperature observations are not available,” Kelley said.
    The SPoRT center was established in 2002 at NASA’s Marshall Space Flight Center to transition NASA satellite products and capabilities to the operational weather community to improve short-term weather forecasting.
    Pinto is a research associate at the University of Alabama in Huntsville, specializing in communications and user engagement for NASA SPoRT.
    › Back to Top

    MIL OSI USA News

  • MIL-OSI New Zealand: Release: Where are the 100,000 families?

    Source: New Zealand Labour Party

    Nicola Willis has once again shown her promises are based on ghost families, with less than half registering for the FamilyBoost payments.

    “FamilyBoost has seen just 39,664 registrations – well short of the 100,000 promised by Nicola Willis at the Budget and last week,” Labour finance spokesperson Barbara Edmonds said.

    “It’s clear National wants to make it difficult for anyone to actually get this money by making it a rebate. It’s a bureaucratic nightmare – with busy parents having to find invoices or proof of payment from childcare centres and claim back the money themselves from IRD.

    “It means people must be able to afford the childcare in the first place, making thousands of families ineligible.

    “Halloween has come early for the National Party as Nicola Willis’ ghost families that do not exist strike again.

    “This is just further proof National has overcooked its tax policy.

    “Nicola Willis said for months the average family would get $250 per week then she was forced to reveal it was fewer than 3000.

    “It was disingenuous to promise huge tax relief to families, simply using made up data and not deliver it. To then use ghost families to try to sell the actual tax package is dishonest.

    “National should have made the policy universal rather than a rebate, otherwise it isn’t the relief for families struggling with the cost of living that Nicola Willis claims it is.

    “These FamilyBoost numbers are just another failure for National’s tax plan,” Barbara Edmonds said.


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    MIL OSI New Zealand News

  • MIL-OSI USA: Congressman Valadao Requests Answers for Central Valley Small Businesses

    Source: United States House of Representatives – Congressman David G Valadao (CA-21)

    WASHINGTON –  Today, Congressman David G. Valadao (CA-22) sent a follow-up letter to IRS Commissioner Danny Werfel regarding delays in processing Employee Retention Tax Credit (ERTC) claims, a program created during the COVID-19 pandemic to help businesses keep people employed. In January of this year, Congressman Valadao wrote to Commissioner Werfel requesting answers and expressing concerns over the IRS’ significant issues with processing and payment of ERTC claims.

    Congressman Valadao highlighted the lack of communication from the IRS that has frustrated many small business owners: 

    “Businesses with legitimate ERTC claims deserve prompt processing and payment of their claims. Unfortunately, the IRS has not yet communicated the status of these claims or outlined the process for the analysis needed to complete their processing and payment,” Congressman Valadao wrote.

    While the IRS has made progress since the Congressman’s initial letter to investigate fraud and pay eligible claims, there are still thousands of small businesses waiting for their claim to be processed and paid:

    The ERTC program was designed to provide crucial relief to businesses during the pandemic. While the steps the IRS has taken in recent months are essential for addressing these claims, I am concerned that the IRS response has been inadequate,” Congressman Valadao wrote.

    Congressman Valadao requested answers from the IRS on the current steps they’re taking to address these claims, including:

    • Will the IRS consider extending the 30-day period for taxpayers who received a disallowance letter to submit a protest? If not, why not?
    • How is the IRS reviewing the 60 to 70 percent of claims that have moderate level of risk? How is the IRS communicating the status of these claims with taxpayers?
    • In August, the IRS announced that 50,000 low-risk claims were moving into processing. Of these claims, how many have been paid?
    • Is the IRS working through ERTC cases that the Taxpayer Advocate Service is sending?

    Read the full text of the letter here.

    ###

    MIL OSI USA News

  • MIL-OSI Australia: Anthrax vaccine protects sheep and cattle

    Source: New South Wales Department of Primary Industries

    10 Oct 2024

    Livestock producers who manage properties where anthrax has occurred or nearby properties have been reminded to vaccinate their cattle and sheep against anthrax, even though there are no current anthrax cases.

    NSW Department of Primary Industries and Regional Development (DPIRD) and Local Land Services (LLS) advise annual anthrax vaccination on these high-risk properties.

    NSW DPIRD senior veterinary officer, Amanda Walker, said vaccination is a preventative measure against anthrax, the spores of which can lie dormant in the soil for decades.

    “Vaccination effectively prevents anthrax from occurring and helps break the cycle of spore production, reducing cases of this unpredictable and serious disease that can kill stock of any age or class with no warning,” Dr Walker said.

    “If vaccination is continued over time spores in the environment will die, reducing the risk of anthrax occurring in the future.”

    “Producers should contact their LLS district vet to obtain specific advice for their properties.”

    In the past, most anthrax cases have occurred in areas bordered by Bourke and Moree in the north, to Albury and Deniliquin in the south.

    LLS veterinarian, Scott Ison, said the disease is caused by the bacterium, Bacillus anthracis, and affected stock often show few or no signs of ill health before they die.

    “Farmers can apply to use the vaccine through their LLS district veterinarian and once authorised, they can place an order for the vaccine with their local rural supplier or private veterinarian,” Dr Ison said.

    “Farmers should suspect anthrax if animals die suddenly, as in many cases there may be no other signs. The disease may begin in a flock or herd with the deaths of single animals over a few days before increasing to dramatic losses in a very short time.”

    Anthrax is listed as prohibited matter under the NSW Biosecurity Act 2015 and is a notifiable disease in NSW.

    Anyone who suspects anthrax must report it immediately by calling the Emergency Animal Disease Hotline, 1800 675 888.

    More information about preventing anthrax is available on the NSW DPIRD website or from LLS, 1300 795 299.

    Media contact: pi.media@dpird.nsw.gov.au

    MIL OSI News

  • MIL-OSI USA: Rep. Garcia and Asm. Schiavo Lead Bipartisan Letter to Governor Newsom to Declare State of Emergency for Chiquita Canyon Landfill

    Source: United States House of Representatives – Representative Mike Garcia (CA-25)

    SANTA CLARITA, CA– Today, Representative Mike Garcia (CA-27) and Assemblywoman Pilar Schiavo (D-AD-40) led a bipartisan letter of state representatives petitioning Governor Newsom for a State of Emergency declaration at Chiquita Canyon. The letter, signed by 15 state legislators, outlines the urgent need for this declaration to protect the health and safety of residents living near the landfill.
    “The environmental disaster at Chiquita Canyon has only worsened for residents in Val Verde, Castaic, and the Santa Clarita Valley,” said Rep Garcia. “Innocent residents continue to face severe health problems and financial hardships because of this ongoing issue. It’s more urgent than ever: We need a State of Emergency. I’m grateful to have Assemblywoman Schiavo as a partner committed to taking this fight directly to the Governor. This joint letter proves that this issue transcends political boundaries – it’s about protecting the community and urging the state and county to do more for residents,” concluded Rep. Garcia.  “Residents of Val Verde, Castaic, and students of nearby schools have been subjected to prolonged exposure to harmful emissions, leading to a range of health issues including headaches, nausea, asthma, heart palpitations, and a newly identified cancer cluster,” said Asm. Schiavo. “Last week, to get a full understanding of the impacts, I stayed overnight with a family in the area. On their street of 14 houses, seven neighbors have been fighting cancer – one has passed away. While I am grateful for the robust state, federal, and county response to the disaster on the landfill site, neighbors just a few yards away do not have the protections or relief they need to keep themselves or their children safe. We must do more and we need to act now before more people get sick, or worse, die. A state of emergency must be declared and we need to focus relief efforts to get the community out of harm’s way and the healthcare and support they need,” concluded Asm. Schiavo.

    Rep. Garcia has been actively leading the response to the Chiquita Canyon crisis since it was brought to his attention last year. He has welcomed the EPA’s involvement, led a bipartisan letter urging the Governor for a State of Emergency, called for the immediate suspension of landfill operations except for local waste collection, demanded a thorough investigation to hold responsible parties accountable, secured federal funding for emissions monitoring and emergency response, and introduced the Chiquita Canyon Tax Relief Act. Throughout this time, he has maintained regular communication with affected residents to ensure they receive the necessary relief.

    A full copy of the letter text is available here.

    MIL OSI USA News

  • MIL-OSI Australia: New study reveals Australian honeybees’ favourite legume flowers

    Source: New South Wales Department of Primary Industries

    10 Oct 2024

    The NSW Department of Primary Industries and Regional Development (NSW DPIRD) has released a new report revealing the pasture legume flowers that are the most attractive to Australian honeybees.

    NSW DPIRD senior research scientist and Clover4Bees project leader, Dr Richard Hayes said primary producers have always had the option to use forage legumes that support honey production, thereby enhancing resources for honeybees and fostering collaboration with apiarists. However, little was known of the relative value of the range of pasture legume species for honey bees – until now.

    The two-year pilot project, funded by AgriFutures Australia, evaluated 23 different pasture legume species across four NSW DPIRD research stations, focusing on their flower attributes, bee preferences, and nectar characteristics.

    “Out of 23 pasture legume species, six leading contenders were selected based on their flower attributes, bee preferences, and nectar characteristics,” Dr Hayes said.

    “Species like subterranean clover and biserrula were found to have low nectar yields and sugar concentrations, resulting in few bee visits.

    “Meanwhile, our top performers were woolly pod vetch and arrowleaf clover, which showed high potential due to their attractiveness to bees.”

    Balansa clover, gland clover, Persian clover, and crimson clover were also identified as highly enticing for honeybees, making them excellent candidates for supporting honey production and pollination.

    Dr Hayes said the Clover4Bees project highlights the need for further research and collaboration with other agricultural sectors to enhance the use of these legumes.

    “The results have come at a crucial time as environmental challenges and limited access to public lands have prompted the honeybee industry to explore alternative floral resources,” he said.

    “By creating a more pollinator-friendly landscape, all Australian agricultural industries can collectively ensure the sustainability of honey production and support the health of bee populations in the face of challenges like the varroa mite.”

    To view the report, please visit the AgriFutures website.

    For more information on NSW DPIRD Honeybee research, please visit our website.

    Images are available for download here

    Media contact:
    For more information, please contact: pi.media@dpird.nsw.gov.au

    MIL OSI News

  • MIL-OSI USA: Oregon will team with IRS to offer free income tax e-filing option

    Source: US State of Oregon

    alem, OR—Oregon resident taxpayers preparing their own tax returns in 2025 will have the option to electronically file both their federal and state income tax returns using the combination of IRS Direct File and Direct File Oregon, the IRS and the Oregon Department of Revenue announced today.

    “The Direct File Program is a game-changer for taxpayers,” Governor Tina Kotek said. “This free filing option is an equitable opportunity to save Oregonians time and money, regardless of their income.”

    The IRS and US Treasury Department announced an expansion of the types of returns that can be filed using IRS Direct File beyond what was available in the pilot program during the 2024 tax filing season.

    During the pilot last year, IRS Direct File covered limited tax situations, including wage income reported on a W-2 form, Social Security income, unemployment compensation and certain credits and deductions. For the 2025 filing season, IRS Direct File will support Forms 1099 for interest income greater than $1,500, retirement income and the Form 1099 for Alaska residents reporting the Alaska Permanent Fund dividend. (See the attached graphic for more on who will be able to use IRS Direct File in 2025.)

    In the 2024 tax season, more than 140,000 taxpayers in 12 states filed their federal tax returns using the limited pilot program while nearly 7,000 Oregon taxpayers filed their state returns using the free, state-only Direct File Oregon option.

    The IRS estimates that 30 million US taxpayers will be able to use IRS Direct File in 2025, including 640,000 Oregon taxpayers who will be able to e-file both their federal and state returns for free.

    The U.S. Department of the Treasury announced in May that it would make IRS Direct File a permanent option for taxpayers and invited all 50 states to participate to create a seamless free filing system for both federal and state taxes. Oregon was the first of 12 new states to accept the invitation from the IRS in June.

    “Connecting Direct File Oregon with the IRS Direct File option beginning next year will give Oregon taxpayers a seamless way to electronically file both their federal and state income tax returns—and do both for free,” Oregon Department of Revenue Director Betsy Imholt said.

    MIL OSI USA News

  • MIL-Evening Report: Australia’s child support system can put single mothers at risk of poverty and financial abuse

    Source: The Conversation (Au and NZ) – By Kay Cook, Professor and Research Director, School of Arts, Social Sciences and Humanities, Swinburne University of Technology

    KieferPix/Shutterstock

    Australia’s child support system can not only increase women’s poverty, but can actually facilitate financial abuse, according to our recent research.

    Child support is an important system that aims to share the financial burden of raising children between separated parents.

    But there are some serious problems with the way it operates, putting already vulnerable women further at risk.

    Drawing on the experiences of 675 single mothers, we sought to examine women’s experience with the child support system from start to finish.

    Our research suggests four key changes could improve both women’s safety and financial wellbeing.

    How does child support work?

    Where deemed necessary, child support arrangements typically require one separated parent to make payments to the other, on a regular basis.

    How much is paid and how it is collected can vary in different circumstances.

    The amount agreed to be paid in child support can take in a range of factors, such as the cost of childcare.
    AKIRA_PHOTO/Shutterstock

    In some families, a child support recipient’s income will be too high to receive the family tax benefit – a key payment that assists with the costs of raising children.

    In this instance, a family can decide for itself how much will be paid, to whom, and how.

    This is called self management, but it is very difficult to navigate when abuse is present in a relationship.

    For families that do collect the family tax benefit, separated parents can use Services Australia to calculate the amount that will be paid.

    Services Australia will consider factors including what it costs to care for and educate a child, as well as the difference in income between the two parents.

    Once the amount has been calculated, separated parents can transfer payments privately between themselves, an approach called “private collect”.

    Alternatively, this group can also use a service called “agency collect” to manage the transfer. Here, Services Australia collects the funds from the paying parent, then gives it to the agreed recipient.

    For parents using agency collect, payments can also be “garnisheed” – deducted from a paying parent’s salary.

    The system is failing the most vulnerable

    Government reports reveal that across the agency collect system, a staggering $1.7 billion is owed to a third of single-parent households, representing 475,000 children.

    The vast majority of this money is owed to women, two-thirds of whom have children in their care 86% or more of the time.

    The vast majority of single parents are single mothers.
    FotoDuets/Shutterstock

    Losing out on payments

    Across the child support system, 28% of paying parents fail to submit tax returns on time, reducing the accuracy of assessments.

    Centrelink’s Family Tax Benefit A (the first part of a two-part payment) is linked to child support, with every dollar of child support above a certain threshold reducing this payment by 50 cents.

    Concerningly, while reports indicate that 60% of single mothers receiving income support have experienced violence prior to separation, less than 15% receive exemptions from having to seek child support on the basis of this violence.

    By not applying for either child support or an exemption, single mothers could lose a significant portion of their Family Tax Benefit A payments.

    These sobering statistics are only part of the picture. Others remain invisible.

    There are another 500,000 or so children in the private collect system. Many of their situations are a mystery. Services Australia doesn’t know how much those women and children are owed, as they don’t trace this amount and assume that payments are fully compliant.

    What we uncovered

    Our mixed methods survey of 675 single mothers asked women about their experiences in the child support system from start to finish.

    We asked women how they made various decisions about child support, such as when to apply for it and when to change how it is collected and calculated.

    Many women avoid chasing what’s owed to them for fear of retaliation from an ex-partner.
    rigsbyphoto/Shutterstock

    78% of women reported experiencing some form of violence at the time of separation.

    But the research also showed how the nature of this abuse can change post-separation, when financial abuse becomes the primary mechanism.

    Just over half the women reported currently experiencing either emotional or psychological abuse, and 60% financial abuse.

    Women shared they were often fearful of retaliation from their ex-partner if they applied or changed child support payment arrangements.

    I was advised not to apply at the time because of the family violence and he had made threats to kill me so [it] was recommended I didn’t give him any reason to act on this so I went without child support for some period of time.

    Others had to ask for an exemption to apply.

    A Centrelink social worker changed my son’s father to unknown so I wouldn’t be murdered.

    The results show how the current system’s logic can force women to risk their financial welfare to ensure their own safety.

    I withdrew my application to avoid further conflict by telling CSA [Child Support Agency] there was a private agreement but there isn’t and he doesn’t pay anything.

    Often, women are paying back debts to Centrelink due to retrospective changes in their ex-partner’s income or level of care, at the same time they themselves are owed thousands of dollars in child support arrears.

    I’ve at times been living on as little at $72 a week of FTB [Family Tax Benefit] as my sole income to feed, house, clothe and educate myself and two children. I don’t understand how that is possible.

    How could we fix it?

    Based on our findings, our report makes four recommendations that could bring about meaningful improvements, give women choices to suit their family, and create a system that is safe.

    1. De-link family payments from child support.

    2. Co-design family violence processes in the child support system.

    3. Move all payment collections back to being handled by the tax office.

    4. Make all payment debts owed to and enforced by the Commonwealth.

    Any meaningful solution to this problem will need to include the voices of victim survivors, advocates, researchers and social support organisations to co-design an effective system.


    The authors would like to acknowledge the assistance of Terese Edwards, chief executive of Single Mother Families Australia (SMFA), in the preparation of the report.

    Terese and SMFA provided in-kind support in the form of survey design feedback and recruitment assistance. Terese also contributed to writing the report.

    Kay Cook receives funding from the Australian Research Council in the form of a Discovery Project grant. She is Secretary of The Australian Sociological Association (TASA) and a Member of the federal Economic Inclusion Advisory Committee. She is the PhD supervisor of Terese Edwards, CEO of Single Mother Families Australia.

    Adrienne Byrt is a Postdoctoral Research Fellow on a Discovery Project funded by the Australian Research Council.

    Ashlea Coen’s research assistant position for this research was funded by Swinburne University of Technology.

    Marg Rogers received funding from the Commonwealth-funded Manna Institute for her Postdoctoral Fellowship in 2022-24.

    ref. Australia’s child support system can put single mothers at risk of poverty and financial abuse – https://theconversation.com/australias-child-support-system-can-put-single-mothers-at-risk-of-poverty-and-financial-abuse-240917

    MIL OSI AnalysisEveningReport.nz

  • MIL-OSI Australia: Defined benefits for super fund transfers

    Source: Australian Department of Revenue

    Reporting notional taxed contributions

    A transferring fund will need to identify member accounts which are eligible for the grandfathering provisions that apply to a member’s notional taxed contributions (NTCs) and advise the successor fund. The successor fund will need to ensure the grandfathering indicator is completed in the Member Account Attribute Service (MAAS) for these accounts.

    When the member’s interest in the transferring fund ceases, the amount reported will be calculated pro-rata based on the successor fund transfer (SFT) date. In addition, if an account was open on 30 June, the transferring fund has an obligation to report an annual Member Account Transaction Service (MATS) balance.

    Note: for notional taxed and defined benefit contributions, refer to guidance in our Annual obligations and balance amounts protocol.

    Division 293 tax deferred debt

    If a transferring fund has received a notice from the ATO advising that a deferred debt account has been created, they should provide this notice to the successor fund to assist them in complying with their reporting obligations.

    The successor fund should provide us with details of members transferred to them with a deferred debt account. The details should include the:

    • name of the transferring and successor funds
    • member name, account number and client identifier in both the transferring and successor funds.

    An end benefit notice does not need to be provided in the case of an SFT. For more information, see Division 293 tax – deferred debt obligations for funds.

    MIL OSI News

  • MIL-OSI Australia: Introduction and considerations for types of super fund transfers

    Source: Australian Department of Revenue

    What this protocol provides

    This protocol gives superannuation providers guidance about successor fund transfer (SFT) and intra-fund transfer (IFT) obligations, including:

    • consistent application of the law and practical administration to manage impacts across the operating system
    • limited-service periods to ensure there is minimal impact to employers and members
    • digital identity management and Access Manager
    • our perspective of industry best practice including across complex super processes connected to an SFT and IFT.

    We have updated our protocol in response to an increasing number of fund transfers. We have incorporated industry feedback, drawing on their experiences and learnings from recent SFTs.

    When acting on our guidance, you should:

    • consider the individual circumstances of your members
    • decide whether your action is appropriate.

    This guidance does not cover situations where an SFT or an IFT has not occurred, and the only change is to your registry system, platform or service provider. If you are undertaking any of these changes, you can engage with us by completing the Successor Fund Transfer (SFT) and Intra Fund Transfer (IFT) form (XLSX, 651KB). Lodge your completed form using the Super Enquiry Service (SES) for APRA funds.

    Successor fund transfer

    An SFT occurs when member accounts are transferred from one registrable super entity (RSE) to another RSE with a different Australian business number (ABN) without their member’s consent.

    When the same entity is the trustee for more than one RSE, an SFT can also occur when their member’s accounts are transferred from one RSE to another within the same group.

    Intra-fund transfer

    An IFT happens when there is no change in the RSE ABN but there are resulting changes to the Unique superannuation identifier (USI) or account identifiers.

    This may also be known as product consolidation or streamlining activity. See more information about IFTs and income streams.

    When considering an SFT or an IFT

    When you are considering an SFT or an IFT, it is crucial to understand the significant impact on your members and their contributing employers. To minimise the impact, it is important to engage with us early and to ensure the timing of the SFT avoids critical dates such as the quarterly super guarantee due dates and the end of the financial year.

    Engage with us early by completing the Successor Fund Transfer (SFT) and Intra Fund Transfer (IFT) form (XLSX, 651KB). Lodge using our Super Enquiry Service.

    A member’s account can also be transferred to the ATO in accordance with the Superannuation (Unclaimed Money and Lost Members) Act 1999. However, this type of transfer is not covered as part of this protocol.

    Regulation 6.29 of the Superannuation Industry (Supervision) Regulations 1994 (SISR) states that a member’s benefits must not be transferred from a fund unless a member’s consent has been given.

    Exceptions apply to successor fund transfers, intra-fund transfers and transfers to MySuper products when member consent is not required but specific criteria are met.

    Transfers to MySuper products are outside the scope of this protocol and do not involve an SFT. These transfers should be considered in the context of normal fund reporting, as outlined in the various other protocols found in our fund reporting protocol.

    When the trustee of the transferring fund transfers cash and other assets to a successor fund, the transferring fund makes a payment that is a super benefit, of each member’s benefit to the successor fund. The payment of each member’s benefit is a rollover super benefit.

    To review the actions required from transferring and successor funds, use our SFT checklist for APRA funds.

    Australian Prudential and Regulation Authority (APRA) provides superannuation prudential guidance that funds must follow. See details in SPG 227 Successor Fund Transfers and Wind-upsExternal Link.

    Legislative guidance for funds is contained in Regulation 6.29 of the Superannuation Industry (Supervision) Regulations 1994.

    For any unique reporting issues that arise as part of the SFT and or IFT, you can lodge an enquiry through our Super Enquiry Service with any questions or requests for advice.

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