内容摘要：Elias Fernandez loads a bathtub onto his recycling cart while his son Juan sits in a car seat, both items they found on the side of the road while on their recycling rounds, in Buenos Aires, Argentina, Friday, Jan. 24, 2025. (AP Photo/Rodrigo Abd)

Elias Fernandez loads a bathtub onto his recycling cart while his son Juan sits in a car seat, both items they found on the side of the road while on their recycling rounds, in Buenos Aires, Argentina, Friday, Jan. 24, 2025. (AP Photo/Rodrigo Abd)

Organizations like the Identity Theft Protection Center and the AARP Fraud Watch Network offer free services for customers who need help identifying scams or knowing what to do if you’ve been a victim of a scam.If you’ve taken all the necessary steps to protect yourself, you might want to help those around you. Whether you’re helping your grandparents to block unknown callers on their phones or sharing tips with your neighbors, talking with others about how to protect themselves from scams can be very effective.

If you or a family member is a victim of a scam, it’s good practice to report it on theThe Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.NEW YORK (AP) — Lenders will no longer be able to consider unpaid medical bills as a credit history factor when they evaluate potential borrowers in the U.S. for mortgages, car loans or business loans, according to a rule the

is expected to increase the credit scores of millions of families by an average of 20 points, the bureau said. The CFPB says its research showed that outstanding health care claims are a poor predictor of someone’s ability to repay a loanThe three national credit reporting agencies — Experian, Equifax and TransUnion — said last year that they were removing medical collections under $500 from U.S. consumer credit reports. The government agency’s new rule goes further by banning all outstanding medical bills from appearing on credit reports and prohibiting lenders from using the information.

The rule is set to take effect 60 days after publication in the Federal Register, although President-elect Donald Trump has proposed sweeping changes and limits to the CFPB’s regulatory reach.

Here’s what to know:The vision of transformative adaption is to create opportunities for climate migrants to live and work in an environment where the host population accepts them.

Workers walk to work at an export processing zone early in the morning after crossing the Mongla river in Mongla, Bangladesh, March 3, 2022. (AP Photo/Mahmud Hossain Opu)Workers walk to work at an export processing zone early in the morning after crossing the Mongla river in Mongla, Bangladesh, March 3, 2022. (AP Photo/Mahmud Hossain Opu)

He said the incremental adjustments, such as introducing salinity-tolerant rice varieties, have been taking place in Bangladesh for years, helping climate refugees cope with the impacts of climate change where they are living today.“But we will not able to do it forever. So we need to go for transformative adaptation, which is to enable them to move somewhere else and be better off,” Huq said.