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by Jake Pearson

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New York Attorney General Letitia James is investigating about a half dozen guardianship organizations and how they manage the health and financial affairs of hundreds of elderly and infirm New Yorkers deemed incapable of looking after themselves, according to people familiar with the matter.

The inquiry, which is being conducted by lawyers in the office’s charities bureau, follows a yearlong series by ProPublica that revealed how some guardians neglected the vulnerable clients entrusted to their care, while others used their court-appointed positions to enrich themselves at their wards’ expense.

Judges often rely on guardianship companies to care for the so-called unbefriended, people who don’t have friends or family able to look after them. Oversight of these guardians, however, is scant, with officials rarely visiting wards to check on their care. Meanwhile, the courts that appoint the guardians rely largely on financial paperwork to determine a person’s well-being. That dynamic, the news organization found, has resulted in fraud, abuse and neglect of the state’s most vulnerable.

Among the groups investigators are scrutinizing is New York Guardianship Services, which was featured in ProPublica’s work, said one of the people familiar with the state probe, who, like others, spoke on the condition of anonymity to discuss a sensitive law enforcement action.

ProPublica found NYGS had failed to meet the needs of more than a dozen people entrusted to its care, including an elderly woman whom the company placed in a dilapidated home with rats, bedbugs and a lack of heat. NYGS collected $450 a month in compensation from the woman’s limited income while stating in reports to the court that her living situation was “appropriate” — even as internal company records and her own emails showed that she’d repeatedly complained about the conditions.

After ProPublica’s first story was published, a judge ordered NYGS to pay back that ward $5,400, representing about a year’s worth of fees, writing that the company had provided “minimal services, if any” during that time.

In another instance, ProPublica reported that the company collected monthly fees from an elderly man even after he’d left the country — and also after he died.

Company executives have declined to answer questions about specific clients but previously told ProPublica that NYGS was accountable to the court and that its work was scrutinized by examiners, who are empowered to raise any issues.

But ProPublica’s investigation found that there are too few examiners in the system to provide timely and thorough oversight. There are just 157 examiners responsible for reviewing the reports of 17,411 New York City wards, according to the court’s most recent data. And there are roughly a dozen judges to check their work. As a result, ProPublica found that annual assessments detailing wards’ finances and care can take years to complete, depriving judges of critical information about people’s welfare.

The courts have similarly taken a light touch to vetting guardianship providers. ProPublica found that though NYGS presented itself as a nonprofit, it hadn’t registered as such with state and federal authorities.

The attorney general’s investigation is not the office’s first foray into the guardianship world. A decade ago, the same unit investigated a nonprofit guardian called Integral Guardianship Services, ultimately finding the group had improperly loaned its top officials hundreds of thousands of dollars while its wards unnecessarily sat in nursing homes, according to court records. To settle the case, Integral agreed to various reforms, paid back the loans and brought on a management consultant, the Harvard Business School Club of New York, to review its systems, operations and finances.

Even so, Integral shut down just a few years later, stranding hundreds of wards whose cases were absorbed by other nonprofit groups and private lawyers. Among them was NYGS, which was founded, in part, by Integral’s former director of judicial compliance, Sam Blau, who wasn’t named in the attorney general’s lawsuit. Other Integral employees also remained in the guardianship business, starting their own groups or working as court-appointed fiduciaries, court and tax records show.

Some of those successor businesses are now among the entities state investigators are examining, the people familiar with the attorney general’s investigation said.

NYGS executives Sam and David Blau did not respond to an email seeking comment. Neither did the attorney general’s office.

News of the attorney general’s investigation comes as court administrators and Albany legislators face increased pressure to fix the guardianship system. Court officials have said they need more money to address the problems and announced last fall that they were appointing a dedicated special counsel, as well as a statewide coordinating judge, to oversee reforms.

Advocacy groups have mounted their own lobbying campaign, pressing Gov. Kathy Hochul and legislative leaders to commit $15 million annually to support a statewide network of nonprofits experienced in handling government contracts to serve the unbefriended. Another proposal, put forth by an advisory committee to the state court system, has advocated for the creation of a $72 million independent statewide agency to serve as a public guardian.

It’s not clear what Hochul, a Democrat, foresees for guardianship ahead of the upcoming legislative session. She’ll present the executive budget later this month. Last year’s $229 billion spending plan included just $1 million to fund a statewide guardianship hotline. A spokesperson for her office did not respond to questions about her funding plans or for comment on the AG’s probe.

Guillermo Kiuhan, an attorney for the former NYGS ward who has since died, said he was encouraged to hear the company may have to answer for what he said was outright theft. He has been trying to get NYGS to reimburse the ward’s heirs for the thousands of dollars the company took as compensation while his family provided for his care in Colombia. So far, the efforts have been unsuccessful. The Blaus didn’t respond to questions about Kiuhan’s claims.

“We are very frustrated,” he said in an interview. “Hopefully this is an opportunity to get the authorities involved … and not have more people with the same problem.”

The 3,308-sq. ft. house was moved from the grounds of the World’s Fair to Schultz Road on December 1, 1904.

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"If you really look at the text of these bills, they really are getting closer and closer," said Alderwoman Alisha Sonnier

ST. LOUIS - Clear skies and very cold this Wednesday morning. Single digits to low teens across the St. Louis region out the door. The winds are calm, so thankfully we aren’t adding to the bitter cold with a wind chill. Let’s watch for fog near the rivers and larger lakes. It will be sunny [...]

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by Joel Jacobs and Megan O’Matz

ProPublica is a nonprofit newsroom that investigates abuses of power. Sign up for Dispatches, a newsletter that spotlights wrongdoing around the country, to receive our stories in your inbox every week.

A decade ago, strange billboards started showing up, including in New York’s Times Square. They weren’t advertising a product. They were vilifying Connecticut’s then-governor, Dannel Malloy.

And they could be traced to that state’s unusual effort to stop an Oklahoma tribe from offering Connecticut residents short-term consumer loans at exorbitant interest rates.

“Gov. Malloy, Don’t take away my daddy’s job,” read one of the billboards, alongside a picture of a Native American child with braids and traditional garb.

But Malloy was not dissuaded by what he called a “scare tactic.” He said he felt the state’s banking regulations were on his side. The Oklahoma tribe was claiming sovereign immunity as it flouted Connecticut law — charging over 400% interest annually, though the state capped rates on such loans at 12%.

“We knew we could win,” Malloy said. “We knew they were harming people in Connecticut.”

He said he came to believe that the sums Native American tribes were making were paltry compared with the money flowing to the outside investment organizations that had linked themselves to the tribes because of the protections that can come with sovereign status.

Connecticut officials spent years fighting in court, but their eventual victory on behalf of the state’s citizens proved a crucial point about regulation at the local level.

Even as federal authorities have struggled to make an impact on this controversial form of lending, a handful of states have upended the notion that tribes’ sovereign immunity must keep state regulators on the sidelines. The lesson: a little pushback can go a long way.

In addition to Connecticut, five other states — Arkansas, New York, Pennsylvania, Virginia and West Virginia — have been remarkably effective at eliminating most tribal loans, which are made online. A ProPublica review of the fine print on more than 80 tribal lending websites shows that the vast majority of tribal lenders now don’t lend in those states.

And a sample of cases filed in federal bankruptcy court bolsters the findings, with few filers in those states listing tribal lenders as creditors. Complaints, too, funneled to the Federal Trade Commission were minuscule in number in these states in recent years.

The six states tend to have strong consumer protection laws overall. Arkansas’ Constitution, for example, limits consumer loans to 17% interest annually. But, more significantly, the states have had aggressive attorneys, working for public agencies or private law firms, who have stepped in to protect consumers from high rates.

“They’d rather stay out than offer a product at a lower rate,” Connecticut Sen. Matt Lesser said of tribal lenders.

“They saw that Connecticut was aggressive in enforcing the law,” said the senator, who helped pass a bill to make such high-interest loans uncollectable in the state.

Minnesota is the latest state to confront tribal lenders.

Shortly before Thanksgiving, Minnesota’s attorney general filed a consent agreement in federal court in which the president of Wisconsin’s Lac du Flambeau Band of Lake Superior Chippewa Indians promised that their tribal businesses would never again lend to Minnesotans at rates that violate the state’s usury — or lending — laws, which caps many consumer loans at 36% interest annually. The attorney general found LDF companies lending at annual rates between 200% and 800%.

The LDF tribe, which is a leading player in the industry, has said its lending business helps people without access to credit, while the profits provide critical funding for tribal government services. It also has defended a common industry practice of partnering with nontribal entities that conduct many of the day-to-day operations, likening it to outsourcing.

Minnesota Attorney General Keith Ellison succeeded in bringing two enforcement actions in 2024 against tribal lenders catering to Minnesota borrowers. Ellison is one of a handful of state officials bringing cases against usurious lenders. (Charles Krupa/AP Photo)

It was the second enforcement action Minnesota had secured against tribal loan executives in 2024. Earlier in the year, a Montana tribal lending operation agreed to the state’s demands to stop making loans in Minnesota.

Loans from tribal lenders can carry astronomical rates because the operations claim that the tribes’ sovereign immunity allows them to be governed by federal but not state laws. There is no federal interest rate limit, aside from a 36% cap on loans to active-duty military members and their families.

Minnesota Attorney General Keith Ellison’s office had watched case law develop around tribal lending to the point where the state felt assured that it could enforce its interest rate caps against a sovereign entity offering loans to Minnesota residents.

In a March interview with ProPublica, Ellison said his office would share its knowledge with other states looking to crack down on tribal lending. “If people want to talk, we would love to see more enforcement action around the country,” he said.

Yet there are limits to what states can accomplish. Courts have ruled that states can only obtain injunctions to stop collections and prevent future harm, but they cannot collect fines or claw back money already lost by consumers. Their enforcement actions do not prevent tribes from making loans in other states. And they are only able to sue tribal leaders, not the tribes themselves.

Tribal Lending Has Largely Ceased in Six States Note: States are categorized as “all or nearly all” if 85% or more of tribal lending websites indicated that they do not lend in that state as of October. “Most” is defined as 51-84% who do not lend there, “some” is 15-50% and “few or none” is less than 15%. Source: ProPublica review of 81 tribal lending websites that listed states they do not do business in. (Lucas Waldron/ProPublica)

And these legal battles can be lengthy and contentious, as exemplified by what happened in Connecticut.

In October 2014, Connecticut’s banking regulator ordered websites associated with the Otoe-Missouria Tribe of Oklahoma to stop providing loans to Connecticut residents, citing the state’s cap on interest rates and deeming the loans illegal.

The following spring, the Institute for Liberty, a pro-business organization in Washington, D.C., announced a campaign against Malloy. In social media posts, ads and mailings, the institute alleged that Connecticut’s actions were an affront to tribal sovereignty.

It further argued that the enforcement effort against the Oklahoma-based tribe would deprive Native American families of income for health care, education and employment.

But leaders of two Connecticut tribes uninvolved in lending joined state leaders in a press conference to reject the institute’s claims and to call on tribal lenders to stop taking advantage of the state’s consumers. Only a few dozen of the nation’s 574 federally recognized tribes have engaged in online lending.

The Institute for Liberty posted appeals like these on Facebook as part of its campaign against Connecticut’s then-Gov. Dannel Malloy. “What Connecticut is trying to do is to ignore hundreds of years of legal precedent and threatening the basic human rights of tribal people — rights guaranteed by our Constitution,” the institute’s president said in a 2015 press release.

As a political entity organized as a nonprofit, the institute did not have to publicly disclose its donors and so was considered a dark-money group. IRS records available online show its tax-exempt status has lapsed. Andrew Langer, the institute’s president, declined ProPublica’s request for an interview. “I have absolutely no comment,” he said in a phone call.

John Shotton, chair of the Otoe-Missouria Tribe of Indians, said in an email to ProPublica: “We did not financially support the campaign, the Institute for Liberty, or their executive director in any way. We had no knowledge of the campaign before learning about it from media sources.”

The Oklahoma tribe stopped lending in Connecticut but initiated a long court battle. The state Supreme Court ruled in 2021 that the tribe’s chair could not face civil penalties but could be subject to an injunction preventing future lending. The state also issued cease and desist orders to three other tribally affiliated lenders, which exited the state as well.

Forceful actions by state officials in New York and Pennsylvania targeting short-term lending also pushed out tribal operations.

In 2013, the New York Department of Financial Services sent cease and desist letters to dozens of online payday lenders, including some tribal lenders, and warned banks to cut off access to lenders operating in violation of state law. Two tribes sued the state to stop the crackdown, but were unsuccessful.

In 2014, Pennsylvania’s attorney general brought an ambitious case against Think Finance Inc., a hedge-fund-backed financial technology firm that was allied with three tribes. The state alleged that the arrangement was designed to enable Think Finance to profit from abusive loans by evading state lending laws. In court papers, Think Finance denied wrongdoing and said that it was not the actual lender on the tribal loans, arguing that it was providing “perfectly lawful services” to the tribes.

The litigation spurred additional private lawsuits, ultimately leading Think Finance to declare bankruptcy and resulting in multimillion-dollar settlements with borrowers.

“This is a model of how aggressive enforcement by one state can lend itself to nationwide relief for consumers,” Gov. Josh Shapiro, then attorney general, said in a press release.

In a 2019 deposition in a consumer lawsuit, an attorney previously involved in the tribal lending industry provided insight into tribal lenders’ avoidance of states where they may draw attention. Asked why a tribe might be advised not to lend in certain states, he replied “to avoid the headache of having to deal with an AG that was being aggressive.”

The attorney, Daniel Gravel, noted that the companies in the case believed that they were “engaging in perfectly legal activities” but “it wasn’t worth the time and effort of having to deal with state regulators who disagreed with us.”

In certain states, it’s not attorneys general or banking officials who are forcing out tribal lenders. The feat has largely been accomplished by private attorneys bringing consumer lawsuits, including sweeping class-action claims.

Most settlements remain confidential, but ProPublica tallied at least $2.9 billion in canceled loans and more than $360 million in restitution from class-action suits since 2019. The major settlements were all filed in federal courts in Virginia and were largely driven by consumer attorneys there.

The class-action cases are highly complex because of the difficulty in unraveling the layers of entities and people involved, which is why the circle of private lawyers challenging the tribal lending industry is small. In addition, private attorneys can be stymied by arbitration clauses in loan agreements, which aim to prevent consumers from going to court.

“This is rocket science. This is among the most complicated litigation you can do,” said Margot Saunders, a senior attorney with the National Consumer Law Center who has served as an expert witness in cases.

Tribal lenders now largely steer clear of making loans in Virginia.

They also largely avoid neighboring West Virginia, ProPublica found. That state has strong consumer protection statutes, and private attorneys and a previous attorney general have used them effectively in lawsuits against tribally affiliated lenders.

Bren Pomponio, a West Virginia attorney for Mountain State Justice Inc., a nonprofit legal services firm that brought a lawsuit against a tribal lender and its business partners in 2020, said that the past decade of litigation has cut through the “myth” that sovereign immunity enables tribal lenders to charge excessive interest rates.

“They thought they had a model to avoid state law, but they don’t really,” he said.

Back in September it was revealed that a new book about the rock band Bon Jovi was in the works, and now we know more information about the release, which is…

Source

But there may be a way for Democrats to save Los Angeles.

One monopoly company should not have the power to decree which speech is permissible and which isn’t.

by Anna Maria Barry-Jester

ProPublica is a nonprofit newsroom that investigates abuses of power. Sign up to receive our biggest stories as soon as they’re published.

Lifesaving HIV treatments. Cures for hepatitis C. New tuberculosis regimens and a vaccine for RSV.

These and other major medical breakthroughs exist in large part thanks to a major division of the National Institutes of Health, the largest funder of biomedical research on the planet.

For decades, researchers with funding from the NIH’s National Institute of Allergy and Infectious Diseases have labored quietly in red and blue states across the country, conducting experiments, developing treatments and running clinical trials. With its $6.5 billion budget, NIAID has played a vital role in discoveries that have kept the nation at the forefront of infectious disease research and saved millions of lives.

Then came the COVID-19 pandemic.

NIAID helped lead the federal response, and its director, Dr. Anthony Fauci, drew fire amid school closures nationwide and recommendations to wear face masks. Lawmakers were outraged to learn that the agency had funded an institute in China that had engaged in controversial research bioengineering viruses, and questioned whether there was sufficient oversight. Republicans in Congress have led numerous hearings and investigations into NIAID’s work, flattened NIH’s budget and proposed a total overhaul of the agency.

More recently, Robert F. Kennedy Jr., Trump’s nominee to run the Department of Health and Human Services, which oversees the NIH, has said he wants to fire and replace 600 of the agency’s 20,000 employees and shift research away from infectious diseases and vaccines, which are at the core of NIAID’s mission to understand, treat and prevent infectious, immunologic and allergic diseases. He has said that half of NIH’s budget should focus on “preventive, alternative and holistic approaches to health.” He has a particular interest in improving diets.

Even the most staunch defenders of NIH agree the agency could benefit from reforms. Some would like to see fewer institutes, while others believe there should be term limits for directors. There are important debates over whether to fund and how to oversee controversial research methods, and concerns about the way the agency has handled transparency. Scientists inside and outside of the institute agree that work needs to be done to restore public trust in the agency.

But experts and patient advocates worry that an overhaul or dismantling of NIAID without a clear understanding of the critical work performed there could imperil not only the development of future lifesaving treatments but also the nation’s place at the helm of biomedical innovation.

“The importance of NIAID cannot be overstated,” said Greg Millett, vice president and director of public policy at amfAR, a nonprofit dedicated to AIDS research and advocacy. “The amount of expertise, the research, the breakthroughs that have come out of NIAID — It’s just incredible.”

To understand how NIAID works and what’s at stake with the new administration, ProPublica spoke with people who have worked for NIAID, received funding from it, or served on boards or panels that advise the institute.

Decisions on Research Funding and Grants

The director of NIAID is appointed by the head of the NIH, who must be approved by the Senate. Directors have broad discretion to determine what research to fund and where to award grants, although traditionally those decisions are informed by recommendations from panels of outside experts.

Fauci led NIAID for nearly 40 years. He’d navigated controversy in the past, particularly in the early years of the HIV epidemic when community activists criticized him for initially excluding them from the research agenda. But in general until the pandemic, he enjoyed relatively solid bipartisan support for his work, which included a strong focus on vaccine research and development. After he retired in 2022, he was replaced by Dr. Jeanne Marrazzo, an HIV researcher who was formerly the director of the division of infectious diseases at the University of Alabama at Birmingham. She has spent much of her time in the halls of Congress working to restore bipartisan support for the institution.

NIH directors typically span presidential administrations. But Donald Trump has nominated Dr. Jay Bhattacharya to lead NIH, and current director Dr. Monica Bertagnolli told staff this week that she would resign on Jan. 17. A Stanford professor, Bhattacharya has spent his career studying health policy issues like the implementation of the Affordable Care Act and the efficacy of U.S. funding for HIV treatments internationally. He also researched the NIH, concluding that while the agency funds a lot of innovative or novel research, it should do even more.

In March 2020, Bhattacharya co-authored an opinion piece in The Wall Street Journal arguing that the death toll from the pandemic would likely be far lower than predicted and called for lockdown policies to be reevaluated. That October, he helped write a declaration that recommended lifting COVID-19 restrictions for those “at minimal risk of death” until herd immunity could be reached. In an interview with the libertarian magazine Reason in June, he said he believes the COVID-19 epidemic most likely originated from a lab accident in China and that he can’t see Trump’s Operation Warp Speed, which led to the development and distribution of COVID-19 vaccines at unprecedented speed, as a total success because it was part of the same research agenda.

Bhattacharya declined an interview request from ProPublica about his priorities for the agency. A recent Wall Street Journal article said he is considering how to link “academic freedom” on college campuses to NIH grants, though it’s not clear how he would measure that or implement such a change. He’s also raised the idea of term limits for directors and said the pandemic “was just a disaster for American science and public health policy,” which is now in desperate need of reform.

Money to Support Jobs and Advance Medicine

Grants from NIAID flow to nearly every state and more than half of the congressional districts across the country, supporting thousands of jobs nationwide. Last year, nearly $5 billion of NIAID’s $6.5 billion budget went to U.S. organizations outside the institute, according to a ProPublica analysis of NIH’s RePORT, an online database of its expenditures.

In 2024, Duke University in North Carolina and Washington University in Missouri were NIAID’s largest grantees, receiving more than $190 and $173 million, respectively, to study, among other things, HIV, West Nile vaccines and biodefense.

Over the past five years, $10.6 billion, or about 40% of NIAID’s budget to external U.S. institutions, went to states that voted for Trump in the 2024 presidential election, the analysis found. Research suggests that every dollar spent by NIH generates from $2.50 to $8 in economic activity.

That money is key to advancing medicine as well as careers in science. Most students and postdoctoral researchers rely on the funding and prestige of NIH grants to launch into the profession.

New Drugs and Global Influence

The NIH pays for most of the basic research globally into new drugs. The private sector relies on this public funding; researchers at Bentley University found that NIH money was behind every new pharmaceutical approved from 2010 through 2019.

That includes therapies for kids with RSV, COVID-19 vaccines and Ebola treatments, all of which have key patents based on NIAID-funded research.

Research from NIAID has also improved treatment for chronic diseases. New understandings of inflammation from NIAID-funded research has led to cutting-edge research into cures for Crohn’s disease and ulcerative colitis, and a growing body of evidence shows how viruses can have long-term impacts, from multiple sclerosis to long COVID. When private companies turn that research into blockbuster drugs, the public benefits from new treatments, as well as jobs and economic growth.

The weight of NIAID’s funding also allows it to play quieter roles that have been essential to advancing science and the United States’ role in biomedicine, several people said.

The institute brings together scientists who are normally competitors to share findings and tackle big research questions. Having that neutral space is essential to pushing knowledge forward and ultimately spurring breakthroughs, said Matthew Rose of the Human Rights Campaign, who has served on multiple NIH advisory boards. “Academic bodies are very competitive with one another. Having NIH pull the grantees together is helpful to make sure they talk to one another and share research.”

NIAID also funds researchers internationally, ensuring the U.S. continues to have an influential voice in global conversations about biosecurity.

NIH has also been working to improve representation in clinical trials. Straight, white men are still overrepresented in clinical research, which has led to missed diagnoses for women and all people of color, as well as those in the LGBTQ+ community. Rose pointed to a long history of missing signs of heart conditions in women as an example. “These are the type of things commercial companies don’t care about,” he said, noting that NIH helps to set the agenda on these issues.

Nancy Sullivan, a former senior investigator at NIAID, said that NIAID’s power is its ability to invest in a broad understanding of human health. “It’s the basic research that allows us to develop treatments,” she said. “You never know which part of fundamental research is going to be the lynchpin for curing a disease or defining a disease so you know how to treat it,” she said.

Sullivan should know: It was her work at NIAID that led four years ago to the first approved treatment for Ebola.

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GAINESVILLE, Fla. (AP) — Caleb Grill scored 22 points, including two free throws with 5 seconds remaining, and Missouri stunned No. 5 Florida 83-82 on Tuesday night to end the Gators’ 16-game winning streak at home. Mark Mitchell added 15 points and eight rebounds for the Tigers (14-3, 3-1 Southeastern Conference), who notched their first…

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