ʻO ke kānāwai, i kapa ʻia ʻo Loan Shark Prevention Act, he pana ʻia i ke kaua ma waena o nā poʻe loio democratic-socialist a me nā elite waiwai. Me ka piʻi ʻana o ko lākou ʻāina a me ka ulu ʻana o ko lākou kumu, ke ʻimi nei ka poʻe mua e hoʻomaopopo i ka poʻe limahana hana e hakakā lākou i ka niho a me ke kui e pale aku iā lākou mai ka hoʻomake ʻana o Wall Street.
ʻO Sanders a me Ocasio-Cortez wikiō hoʻolaha ua ulu aʻe i kahi kamaʻilio sprawling, e pili ana i nā mea āpau mai ka mālama olakino a hiki i ka hoʻoponopono kalaima. ʻO kā lākou kūkākūkā e pili ana i ke kani ʻana o kahi ʻōlelo a James Baldwin i koho ʻia: "ʻO ka mea i hakakā me ka ʻilihune, ʻike ʻo ia i ke kumukūʻai nui o ka ʻilihune."
Ua hōʻike ʻo Ocasio-Cortez ua lohe ʻo ia mai kahi constituent nāna i lawe i kahi hōʻaiʻē panakō ma 2006 e uku no ka mālama ʻana i ka maʻi kanesa o kona makuahine. Ua uku ka panakō iā ia he 20 pakeneka pākēneka, a waiho iā ia e uku i $800 i ka mahina i ka panakō ponoʻī, ma luna o ka pilikia kālā o ka mālama ʻana i kona makuahine. I ka wā i nalowale ai kāna ʻoihana i ke kaʻe ʻana a hiki ʻole ke hoʻokō i kēia mau uku, ua hoʻopiʻi ka panakō iā ia i ka ʻaha hoʻokolokolo a hoʻonani i kāna uku.
"He kānāwai ia, a he mea maʻamau ia ma ʻAmelika Hui Pū ʻIa," wahi a Ocasio-Cortez, "akā ʻaʻole ia he mea maʻamau, ʻaʻole ia he kanaka."
"Ua loaʻa iā ʻoe kēia mau kāne a pau i kā lākou mau ʻāpana ʻekolu i kēia manawa i nā hoodlums manō hōʻaiʻē hou a mākou e ʻike ai ma nā kiʻiʻoniʻoni," wahi a Sanders. "Uaʻikeʻoe ma nā kiʻiʻoniʻoni,'ōlelo lākou, 'E uhaʻi au i kou mau kuli ināʻaʻoleʻoe e uku.' ʻAe, ʻaʻole au i ʻike ua haki lākou i nā kuli—”
"Akā i kēia manawa e lawe lākou i kou home," wahi a Cortez.
"A i ʻole e hana i kahi mea ʻoi aku ka maikaʻi," wahi a Sanders. “E huki paha i ka plug i kou makuahine e pono ai ke lapaau. No laila, e akaka kākou i ka mea a kākou e kamaʻilio nei. Ke kamaʻilio nei mākou e pili ana i ka hana ʻino waiwai.
Ua ʻōlelo ʻo Sanders he nui nā mokuʻāina i loaʻa i nā kānāwai i hoʻopaʻa i ka uku paneʻe i ko lākou mana. I ka makahiki 1978, ka Aha Kiekie ʻO Marquette olelo hooholo ʻae ʻia nā panakō e hoʻokumu i nā palapala hoʻolimalima ma nā mokuʻāina me ka ʻole o ia mau kānāwai, a e hoʻopaʻa i nā uku ukupanee kiʻekiʻe ma nā laina mokuʻāina. ʻO ka hopena, kahi maʻamau no ka hoʻopaʻa ʻia ʻana o ka uku paneʻe ma lalo o 15 pakeneka ma nā wahi he nui, hiki i nā panakō ke hoʻopiʻi i nā kumukūʻai exorbitant - a hiki i ka 30 pakeneka i kekahi mau hihia - ma ka ʻāina me ka hoʻopaʻi ʻole.
E hoʻopau ka Loan Shark Prevention Act i kēia hana, e waiho ana i nā panakō a pau i ka pāpaʻi pākēneka he 15 pakeneka, ʻaʻohe mea e paʻa ai nā palapala hoʻolimalima. Hoʻohālike ʻia ke kānāwai ma hope o kahi bila Sanders mua i manaoia i ka makahiki 2009. (Ua hoʻohana ʻo ia i ka ʻōlelo like he ʻumi makahiki aku nei e pili ana i "nā manō hōʻaiʻē i nā lole ʻāpana ʻekolu.")
Hoʻonui ka bila ma mua o nā panakō i nā hōʻaiʻē mea kūʻai aku, me nā mea i hoʻopuka ʻia e nā hale kūʻai kūʻai. He mea maʻamau no nā hale kūʻai ʻoihana e like me Sears, Macy's, Lowe's, a me Kohl's e hoʻopuka i nā kāleka hōʻaiʻē iā lākou iho. ʻAʻole ʻike pinepine nā mea kūʻai aku i nā huaʻōlelo i pili i nā kāleka hōʻaiʻē, me nā hōʻaiʻē kiʻekiʻe loa.
"Ke lawe nei nā hui kūʻokoʻa pilikino i kēia mau ʻoihana kūʻai i kēlā me kēia lā, a pau lākou i nā ʻoihana kūʻai kūʻai, a hoʻomaka lākou e lilo i ʻoihana kālā," wahi a Ocasio-Cortez. “ʻAʻole ia he hale kūʻai kūʻai aku iā ʻoe i kāleka hōʻaiʻē. He hui kāleka hōʻaiʻē kēia e hoʻowalewale iā ʻoe i loko o kahi hale kūʻai kūʻai.
Ma ka hoʻopaʻa ʻana i ka uku ukupanee ma nā hōʻaiʻē mea kūʻai aku, e hoʻopau maoli ke Loan Shark Prevention Act i ka ʻoihana hōʻaiʻē uku.
He mea maʻamau i nā panakō kuʻuna ke loaʻa nā ʻōlelo e koi ai i nā mea kūʻai aku e mālama i ka liʻiliʻi liʻiliʻi i kā lākou waihona kālā i nā manawa a pau, a i ʻole e uku i ka uku. ʻO ka huina haʻahaʻa maʻamau he $1,500 - akā ʻo ka miliona o nā ʻAmelika e noho nei i ka uku uku ʻaʻohe $1,500 i ko lākou inoa i kēlā me kēia lā o ka mahina.
ʻO ka hopena, hoʻokahi i loko o ʻehā mau ʻohana US, a ma kahi o 68 miliona mau kānaka, ʻaʻole i hoʻopaʻa ʻia a i ʻole i lalo i ka waihona, ʻo ia hoʻi, ua piha a ʻāpana paha lākou i waho o nā lawelawe kālā kuʻuna. Hoʻonui ʻia ka pilikia e ka hoʻi hope o nā panakō mai nā kaiāulu haʻahaʻa, ʻelua a me ke kūlanakauhale, ʻoi aku ka nui ma hope o ka pilikia kālā. He mau miliona kānaka, e komo pū ana me Ocasio-Cortez ma ke kūlanakauhale ʻo New York City a me ko Sanders ma ke kuaʻāina ʻo Vermont, e noho ana i ka mea i kapa ʻia he wao nahele.
Inā ʻaʻole hiki i ka poʻe ke komo i kahi panakō maʻamau a makemake lākou i ke kālā i kahi kikoʻī - e ʻōlelo i ka haki ʻana o kā lākou kaʻa, loaʻa iā lākou kahi pilikia olakino, a i ʻole pono lākou e hoʻolimalima i mea e pale aku ai i ka hoʻokuke ʻia - ʻo ka koho wale nō i loaʻa pinepine nā mea hāʻawi kālā. Aia kēia mau ʻoihana e hopu i ka poʻe i loko o ka pilikia kālā, i kekahi manawa e hoouku ana ia lakou o kekahi mau haneri pakeneka. Na ke Loan Shark Prevention Act e hoʻokau i ka poʻe hāʻawi kālā i ka pānaʻi uku like me nā poʻe ʻē aʻe, e hoʻokuke aku iā lākou mai ka ʻoihana.
Akā, he aha ka mea e hana ai me ka poʻe a pau i noho ʻole i ka waihona kālā a ʻaʻole hiki iā lākou ke mālama i kahi moʻokāki maʻamau? Inā holoi ʻia ka poʻe hāʻawi kālā i ka palapala ʻāina, nalowale kekahi mea ʻaihue kālā nui, akā pēlā pū kekahi kumu o ke kālā ulia pōpilikia, a i ʻole kahi wahi kūpono e loaʻa ai ke kālā. ʻOiai ʻaʻole ia he ʻāpana o kēia kānāwai, ua hoʻoponopono ʻo Sanders lāua ʻo Ocasio-Cortez i kēlā pilikia ma ke kāhea ʻana iā ʻAmelika Hui Pū ʻIa e hoʻōla i kahi ʻōnaehana waihona leka uila. (Sanders hoʻokomo i nā kānāwai e aʻo i ka waihona leka uila ma 2013.)
Ma ke kānāwai, koi ʻia ka Hale Leta ʻAmelika Hui Pū ʻIa e loaʻa kahi keʻena leta brick-a-mortar ma kēlā me kēia zip code ma ʻAmelika. Mai 1911 a 1966, ka USPS functioned as a public bank, hāʻawi i nā lawelawe kālā kumu ma nā keʻena leta. Makemake ʻo Sanders lāua ʻo Ocasio-Cortez e hoʻihoʻi i kēlā hana. ʻO lākou hāpai e hoʻomaka ana ʻo USPS e hāʻawi i ka lehulehu i nā moʻo loiloi kumu a me nā waihona mālama kālā, nā hōʻaiʻē haʻahaʻa haʻahaʻa, nā ATM, nā kāleka hōʻaiʻē, ka nānā ʻana i ke kālā, nā lawelawe wili kālā, a me nā lawelawe panakō pūnaewele.
E hoʻopau ʻia ka poʻe hāʻawi kālā, akā e hoʻopiha ka lawelawe leka i ka hakahaka i waiho ʻia - me ka ʻole o nā hana predatory a extortionary. Ma ia ala e hiki ai i nā mea a pau ke loaʻa i kahi waihona kālā a loaʻa i ka hōʻaiʻē, a ʻaʻohe manō hōʻaiʻē lā uku. hao wale ka poʻe makemake i ka waiwai.
E like me ka manaʻo o Ocasio-Cortez i ka hoʻolaha ʻana o ka bila, hiki i kahi ʻōnaehana waihona leka ke lilo i papahana pailaka no kahi panakō aupuni kūʻokoʻa - he koho lehulehu, inā makemake ʻoe. ʻO nā mea noiʻi ʻo Thomas Herndon lāua ʻo Mark Paul ua hoopuka pehea ke ano o keia ma ka hana. E hoʻokūkū ka panakō aupuni me nā panakō kūʻokoʻa, e koi ana iā lākou e hoʻohaʻahaʻa i kā lākou uku paneʻe e mālama i nā mea kūʻai aku, kahi hana i hiki i ka manawa ke hoʻomaha nui i ke kaumaha o ka mea kūʻai aku.
Ma US, ua stagnate ka uku, ke piʻi nei nā kumukūʻai ola, a ʻo ka uku pānaʻi kāleka hōʻaiʻē median he 21 pakeneka, e hoʻomake i ka poʻe i ka aie o nā mea kūʻai aku. Ke manaʻo nei i ke kaomi ʻana, kokoke i ka 90 pakeneka o ʻAmelika kākoʻo i kahi pāpale ma ka uku panee. Akā, e hoʻihoʻi ka lobby panakō ikaika, a e pilikia ana ka bila i loko o kahi ʻahaʻōlelo me nā pilina ikaika i ka ʻāpana kālā ma nā ʻaoʻao ʻelua o ke ala.
I loko o kā lākou wikiō rollout, ua koi ʻo Ocasio-Cortez lāua ʻo Sanders i nā poʻe koho e hoʻokau i ke koʻikoʻi i nā poʻe loio e hana mua i ka pono o ka poʻe hana ma mua o ka pono o kā lākou mau hoaaloha ma Wall Street.
"I kēia lā ke haʻi aku nei mākou iā Wall Street a me nā mea hāʻawi kālā i lawa ka lawa," wahi āna. "ʻAʻole ʻae ʻia kāu hana ʻino a hoʻopailua ma ʻAmelika." Akā ʻaʻole hiki ke waiho ʻia ka hana i kekahi poʻe kālai'āina i wiwo ʻole e kūʻē i ka ʻae ʻana o ka hui. Pono nā kānaka e hoʻonohonoho e hoʻomaopopo i ka poʻe loio: inā koho ʻoe i nā lobbyists a me nā mea hāʻawi ma luna o mākou, e uku ʻia kāu ʻoihana.
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