VW Chattanooga's playbook: vote 73% yes, survive 17 months of negotiation, authorize a strike at supermajority, get 20% raises ratified at 96%. The full contract is posted at vw.uaw.org.

The CFPB returned $19.7 billion to 195 million consumers since its creation. In February 2025, the acting director ordered all work stopped. Since then: 42 enforcement actions dropped, 2.7 million complaints without relief.

TikTok must suspend all transfers of EU personal data to China within six months — but the Irish High Court stayed the order on November 14, 2025. Data transfers continue during TikTok's appeal.

Ireland fined TikTok €530 million — €485 million for illegal data transfers to China and €45 million for misleading users about data storage. TikTok told the regulator European data was not stored in China. It was.

Boeing's criminal fraud charge was dismissed on November 6, 2025. The judge who granted the dismissal wrote that it 'fails to secure the necessary accountability.' No Boeing executive was ever imprisoned.

346 people died. Boeing paid $1.1 billion — 1.2% of annual revenue. Stock buybacks in the prior 6 years: $43 billion. The penalty for killing 346 people is 2.6% of what Boeing spent buying back its own stock.

The FTC investigation, which lasted three years, found that Invitation Homes manipulated evictions and failed to address unsafe conditions like mold, rodent feces, and exposed wiring in 16 markets.

DTE Energy avoided installing pollution controls that would have cost between $46.4 million and $99.1 million, resulting in a $100 million civil penalty for exceeding permitted sulfur dioxide emissions at its Zug Island facility.

The Treasury Department and IRS lost 28,000 employees in 2025 — a 27% reduction. Yale Budget Lab projects $159 billion less revenue collected over the next decade. Every $1 spent auditing the top 0.1% recovers $6.29.

The FTC fined Invitation Homes $48 million for allegedly deceiving renters by charging junk fees and withholding security deposits, which resulted in a 39.2% deposit return rate compared to the 64% industry average.

The 2025 budget law's Medicaid work requirements will subject 18.5 million people to 80-hour/month proof-of-work documentation — generating $326 billion in 'savings' not from people getting jobs, but from eligible working people losing coverage through paperwork...

The UAW invested $40 million in Southern auto plant organizing. The first payoff: Chattanooga VW workers will earn $39.41/hour for production and $49.86/hour for skilled trades by 2030 — while non-union Hyundai workers down the road target $36.02/hour by 2028.

5.9% return on assets drives the card business. Cardholders could build a fee-free alternative. If cardholders pooled their accounts, would they force a rate cut?

Banks extracted $160 billion annually from cardholders, with the card business generating a 5.9% return on assets compared to non-card banking.

Search city council agendas for subsidy hearings. Look for the clause that requires proof. File a public comment demanding proof of compliance.

VW Chattanooga proved the sequence: vote 73%, survive a 17-month stall, authorize a strike, win 20% raises. If an open-source organizing toolkit documented every step — vote thresholds, stall tactics, legal filings, strike timing — would the next plant take 10 years or 10 months?

The statute says NLRB members can only be removed "upon notice and hearing, for neglect of duty or malfeasance." Wilcox was fired by email. No hearing. No stated cause. Look up 29 U.S.C. Section 153 and compare it to what happened.

The statute says NLRB members can only be removed "upon notice and hearing, for neglect of duty or malfeasance." Wilcox was fired by email. No hearing. No stated cause. Look up 29 U.S.C. Section 153 and compare it to what happened.

Japan caps credit card rates at 20%. France caps at 133% of the average rate. The US has no federal cap. If a public rate tracker showed every issuer's margin next to the country average, would Congress act?

Sanders and Hawley filed S.381 to cap credit card rates at 10%. Trump promised it on the campaign trail. It would save $100 billion per year. It has not advanced out of committee. Ask your representative why.

Sanders and Hawley filed S.381 to cap credit card rates at 10%. Trump promised it on the campaign trail. It would save $100 billion per year. It has not advanced out of committee. Ask your representative why.

Meta's board claimed exec comp was "at or below the 15th percentile" — but only counted cash, not stock. Search SEC EDGAR for Meta's DEF 14A proxy filing dated February 2025. Read the methodology. The benchmark excluded equity.

Meta's board approved raising executive bonus targets from 75% to 200% of base salary on February 13, 2025 — exactly one week after firing 3,600 workers under a 'low performance' label that employees disputed, citing strong reviews and no prior PIPs.

The NY Fed found 45% of service firms and one-third of manufacturers fully passed through tariff costs, while economists identified companies using 'cover of uncertainty' — tariff chaos as justification for price increases they'd previously hesitated to make on any product, tariffed or not.

You can verify this. Search Prospect Medical's CMS cost reports at data.cms.gov. Leonard Green & Partners extracted $645M from the system, 2010–2021 — including a $500M dividend in 2018. The debt it created is in the filings — share what you find with your state AG.

$160 billion a year — that's what banks extract from cardholders. CFPB acts on complaint volume. That's your money. One complaint at consumerfinance.gov puts your name on the record.

A NY Fed survey of 300+ firms found that a 'significant share' of manufacturers raised prices on products not subject to any tariff — with one heavy construction equipment supplier explicitly admitting they hiked prices on unaffected goods 'to enjoy the extra margin before tariffs increased their...

Wells Fargo and JPMorgan Chase each collected roughly $1 billion in overdraft/NSF fees in 2024, while Capital One, Citibank, and Ally eliminated overdraft fees entirely and kept offering overdraft coverage — proving the $35 fee is a business choice, not a necessity.

In 2024, credit card issuers collected $160.2 billion in interest from $1.2+ trillion in consumer debt, with the top 10 issuers controlling 83% of the market — a concentration level where even cardholders with 800+ credit scores saw their margin increase 1....

Congress used the Congressional Review Act to kill the CFPB's $5 overdraft fee cap (Senate 52-48, House 217-211), which doesn't just repeal the rule — CRA permanently bars the agency from ever issuing a 'substantially similar' rule again, locking in $35 overdraft fees on the 9% of bank accounts...

A 2018 'Working for the Mouse' survey found three-quarters of Disneyland workers couldn't afford basic expenses — the same year Anaheim voters passed Measure L requiring Disney to pay a living wage in exchange for tax rebates, which Disney then ignored for six years while collecting the rebates.

Search city council agendas for subsidy hearings. Look for the clause that requires proof. File a public comment demanding proof of compliance.

Disneyland workers received average checks of $3,500 — some nearly $10,000 — in December 2025, after Judge William Claster approved $179.6 million in back pay plus 10% interest dating from 2019, plus 401(k) contributions workers would have made at the correct wage, plus $17.5 million in penalties.

Prospect Medical received $283.3 million in federal COVID-19 grants and loans while Leonard Green was extracting dividends — public emergency funds flowed into a system whose private owners had already stripped it of the capacity to serve patients.

Block cut 4,000 jobs citing AI while stock surged 24%. Request their SEC filing to see if AI replaced a single role. File via sec.gov/cgi-bin/browse-edgar. The filing will show the truth.

Economist Anton Korinek warned that Block's layoffs create competitive contagion: 'Once a few companies start the trend, competitive forces may induce others to follow suit' — meaning the stock market reward for AI-cited layoffs can cascade across industries regardless of whether AI actually does...

4,000 layoffs coincided with a 24% stock surge. Shareholders could build a coalition to demand ethical AI policies. If shareholders voted to prioritize workforce stability, would profits decline?

Express Scripts' standard formularies can no longer favor high-WAC (wholesale acquisition cost) drugs over cheaper alternatives — the FTC found PBMs were steering patients toward more expensive drugs specifically because higher list prices generated larger rebates the PBM could capture.

The FTC's landmark settlement forces Express Scripts to base patient out-of-pocket costs on net drug prices instead of inflated list prices by 2028, and to pass rebates directly to patients at point of sale — dismantling the PBM model where middlemen profited from the spread between what...

Greystar, the nation's largest landlord managing over 946,000 units, paid $50 million in the class action plus $7 million to nine states — while RealPage's DOJ settlement required no financial penalty and only restricted the algorithm to data that's at least one year old.

Twenty-seven landlords including Greystar ($50M) and BH Management ($15M) paid $141.8 million in a private class action for using RealPage's algorithm — but they agreed to stop sharing nonpublic data with RealPage, confirming the mechanism was competitor data pooling, not independent pricing.

Competing landlords fed nonpublic rent data into RealPage's algorithm, which generated coordinated daily pricing recommendations across 4.5 million apartment units — one landlord raised rents over 25% within 11 months of adoption, and the DOJ settlement imposed zero financial penalties on RealPage.

Economist Anton Korinek warned that Block's layoffs create competitive contagion: 'Once a few companies start the trend, competitive forces may induce others to follow suit' — meaning the stock market reward for AI-cited layoffs can cascade across industries regardless of whether AI actually does...

Jack Dorsey told remaining staff 'the majority of companies will reach the same conclusion' within a year — framing mass layoffs during record profitability as inevitable rather than chosen, while McKinsey found nearly two-thirds of firms haven't even scaled AI yet.

Discovery is open. UnitedHealth must now answer for the algorithmic decisions. Watch for the breach-of-contract claims filing. The judge rejected the attempt to limit discovery.

A Minnesota federal judge rejected UnitedHealth's attempt to limit discovery in the nH Predict class action, allowing breach-of-contract claims to proceed — the policy promised 'coverage decisions made by clinical staff and physicians,' but the algorithm made the decisions instead.

1% denial rate. UnitedHealthcare turned an AI tool into a quota system. Audit your claim denial records for algorithmic bias. UnitedHealthcare overrides physician judgment on medically necessary care.

UnitedHealthcare pressured employees to keep claim denials within 1% of the nH Predict algorithm's recommendation, turning an AI tool into a quota system that overrides physician judgment on medically necessary care.

90% error rate. UnitedHealthcare's nH Predict overrides doctors to deny elderly nursing home stays. Fewer than 0.2% appeal, so the denials stick. **Check your plan.**

UnitedHealthcare deployed its nH Predict algorithm knowing it had a 90% error rate, overriding doctors' determinations to deny elderly Medicare Advantage patients nursing home stays — but fewer than 0.2% of patients appeal, so the denials stick.