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More consumer friendly regulationsThe Consumer Financial Protection Bureau CFPB went after unfair practices in the financial marketplace with gusto in 2012. That is sure to continue in the New Year. My best guess is that we?ll see new regulations proposed for payday loans, prepaid cards and credit reporting agencies. The CFPB is already investigating complaints about errors in credit reports and the difficulty or sometimes inability to have them corrected. As of Jan. 2, the agency will regulate the country?s large debt collectors, an industry that has been widely criticized for harassment, deception and other illegal tactics to get people to pay ?whether they owe the debt or not, in some cases. ?Millions of consumers are affected by debt collection, and we want to make sure they are treated fairly,?CFPB director Richard Cordray said in a statement. I wouldn?t be surprised to see some civil penalties levied and new rules proposed to prevent abusive collection tactics. New and changing digital threatsCybercriminals are sure to step up their game again in 2013. In a new report, Sophos the giant digital security company, predicts businesses will be hit with more malware attacks that give the intruders ?long term, high impact access?to those companies. Digital extortion should increase with more ransomware malware attacks.


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, Willaert, A. M. , and Scott, J. R. 2010. Community health workers: Part of the solution.



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TESOL, M. S. TESOLTribal Languages of Kerala . Ravi Sankar S. Nair, Ph. D. , EditorLanguage Learning and Teaching . Dr. S. D. Sasi Kiran and Dr.



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If the accused person elects not to participate in resolving an informal complaint, such nonparticipation will not change the School of Medicines responsibility to investigate and make decisions based on available information. A formal complaint may be filed with the appropriate Associate Dean within one hundred twenty 120 days after the alleged violation occurred or after attempts to resolve the situation informally have been unsuccessful. The appropriate Associate Dean may waive the deadline where circumstances warrant. The formal complaint must be in writing, signed by the complainant, and shall include the following information:The accused person will be provided with a copy of the complaint by the investigator within five 5 business days of the investigators receipt of the complaint. The investigator will notify the supervisor of the accused person in order that appropriate temporary and/or remedial actions may be taken during the investigation. The accused person will be required to submit a written response regarding the complaint to the investigator within five 5 business days of receipt of the complaint. A copy of the response will be provided to the complainant by the investigator. If the accused person elects not to respond to a formal complaint, such nonparticipation will not change the School of Medicines responsibility to investigate and make decisions based on available information. The investigator will interview the complainant and the accused person, may also interview witnesses, supervisors, and/or any other persons who may have information about the alleged violation, and may review records relevant to the complaint. The complainant and the accused person shall be permitted to suggest witnesses and/or other evidence, which shall be considered by the investigator. A written record will be made of all interviews.



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