Your banker is racially profiling you when you apply for a mortgage loan. If he doesn’t, the lending institution you’re applying to is subject to harsh federal penalties for not engaging in racial profiling. The most amazing part of the applicable federal regulation is that if you refuse to disclose your ethnicity and race, the banker is required to visually appraise you, make a guess as to your race/ethnicity based on your appearance, and then report those racial observations to the government. Bull Connor smiles. The left has racialized pretty much everything it touches, and during the Obama administration, the Consumer Financial Protection Bureau (CFPB) was created by the Dodd-Frank legislation. The CFPB was the brainchild of Sen. Elizabeth Warren of Massachusetts. Among the tasks taken on by the CFPB is the gathering of information regarding an applicant’s ethnicity, race, and sex under the Home Mortgage Disclosure Act. The good news is that Donald Trump has been trying to kill off the CFPB. The bad news is that it’s not dead yet, so mortgage lenders across the country are still being drilled on the importance of viewing customers through the prism of race, and learning how to provide reporting based on observed skin color, accent, surname, hairstyle, and other ethnic characteristics of those applying for mortgage loans. At this link is a typical “Demographic Information Addendum” from a credit union’s mortgage application, which reads in part [emphasis added]: For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for “Ethnicity” and one or more designations for “Race.” The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. For those of us who have lived our lives embracing the idea that America should be color-blind, it is appalling that the government is mandating that businesses visually assess their customers and report ethnic and racial characteristics “on the basis of visual observation or surname.” Further, if a consumer is applying for a mortgage by phone, the mortgage banker must interrogate the applicant about his race, sex, and ethnicity. I have never been employed in consumer mortgage lending, so I’ve never had to engage in government-mandated racial profiling. But I would find it extremely offensive, and it would be tempting not to comply at all. As it turns out, hundreds of Bank of America mortgage bankers did find those racial profile questions so offensive that they routinely refused to play along. Instead, they simply noted on the mortgage application that the customer applying by phone refused to provide the racial information. Unfortunately, the racially-obsessed bureaucrats at the CFPB noticed that Bank of America had a higher percentage of “information-not-provided” customers than other large banks (13 percent versus 10 percent). The CFPB then started breathing down Bank of America’s neck, and the “information-not-provided” rate dropped to single digits as the bank pressured its employees to talk to customers like a 1960s segregationist. But once Bank of America eased up on its employees, the “information-not-provided” rate climbed back up again. (RELATED: The Debanking of the American Conservative) To punish Bank of America for not properly interrogating its customers on the racial composition of their bloodlines, the CFPB imposed a $12 million fine on the bank in 2023. The Consent Order imposed on Bank of America, dated November 2023, is at this link. It is a long, disgusting read that sounds like the prosecution of a business in the 1950s South for refusing to comply with segregationist Jim Crow laws. Here is just a snippet [emphasis added]: Some of [Bank of America’s] loan officers continued to record “information-not-provided” without asking applicants for their race, ethnicity, and sex. Specifically, in 2023, before the Effective Date, [Bank of America] began directing loan officers to identify through an electronic flag any call on which the loan officer collected an applicant’s race, ethnicity, and sex. When [the bank] audited those calls, it found that some loan officers were not, in fact, requesting race, ethnicity, and sex information on the flagged calls. [Bank of America] represents that it disciplined certain loan officers as a result. It was a criminal offense in much of the southern U.S. in the pre-Civil Rights era for a white employee to refuse to comply with the Jim Crow laws. It hardly needs to be noted that Jim Crow was a racist, big-government plan imposed on business by Democrats. So is Elizabeth Warren’s Consumer Finance Protection Board. Aside from enforcing racial profiling, the CFPB has been an incompetent and corrupt organization that cannot even keep consumer information safe. In March of 2023, it was revealed that a CFPB employee had forwarded to himself more than 250,000 confidential consumer records obtained from financial institutions reporting to the CFPB. The Trump administration has been trying to kill off the CFPB by starving it of funding. Under acting CFPB head Russ Vought, the administration is also idling those employees who cannot be terminated, and wherever possible, it is suspending all active investigations and projects that were initiated before Donald Trump’s inauguration. The final decommissioning of the Consumer Financial Protection Board cannot come soon enough. READ MORE: A 50-Year Mortgage Is a Financial Narcotic Trump Topples the Regulatory Tower

by James Howard Kunstler, All News Pipeline: “The prison sentence made Ms. Peters, 70, a martyr for the election-denial movement, and launched a fruitless campaign by Mr. Trump’s followers to win her release from state prison.” —The NY Times “Election denier” is a curious term. It implies that anyone who even questions the validity of […]

by Martin Armstrong, Armstrong Economics: The glory that was Greece is of another day. The EU is dominated by LEFTIST all following Marx and assume that they can just order people to comply under penalty of one thing or another. Greece has implemented laws requiring taxpayers to provide proof of spending 30% of their annual income through electronic payments, […]

Is there an active cover-up in the Brown University shooting? Does it involve Brown University and/or the FBI? Many are saying yes. Many are also saying it appears quite clear who the shooter is. NOTE: I am not saying this is the shooter.  We don’t know.  Also everyone is presumed innocent until being found guilty. But there’s a lot of smoke blowing around here and I want to show you everything we have so far…. People online believe the Brown Shooter is student Mustapha Kharbouch: : #BREAKING: Brown University Shooter IDENTIFIED? Brown University MYSTERIOUSLY REMOVES Mustapha Kharbouch from their website. Could he be the suspect? pic.twitter.com/AXcP3b2Ug5 — Brandon Tatum (@TheOfficerTatum) December 16, 2025 What we can confirm is that Kharbouch was featured in many places on the Brown University website and has now been entirely scrubbed: BREAKING: ? investigator @0hour1 pointed out irregularities last night with Brown University student Mustapha Kharbouch. Since then, Kharbouch’s ? account has been suspended, and Brown University has removed his profile from its site. All suspicion points to Kharbouch. pic.twitter.com/aCxC4ZmNmH — The Patriot Oasis (@ThePatriotOasis) December 16, 2025 The scrubbing is what leads many to believe there is a coverup ahead of the news officially coming out. If it walks like a duck, shoots at Brown University’s most prominent conservative then all information about him is actively scrubbed from the Internet, who am I to say Mustapha Kharbouch isn’t the sh00ter?? pic.twitter.com/IVQUKVG6Nd pic.twitter.com/dc0846aYZn — Mr. Baker (@SeanAnon82) December 16, 2025 Then we also have this: The police are refusing to say what the Brown University shooter yelled before opening fire and kiIIing 2 people Witnesses say he shouted “Allahu Akbar.” Why are the police covering this up? pic.twitter.com/xmCPGmVTwc — Libs of TikTok (@libsoftiktok) December 16, 2025 Our buddy Shawn Farash caught some excellent screen records. Watch this: I’m not saying it’s definitely him. All I’m saying is all the info about this “Free Palestine” activist and Brown University Student “Mustapha Kharbouch” is being scrubbed in real time. And that is weird. pic.twitter.com/ePIm3Z3mLz — Shawn Farash (@Shawn_Farash) December 16, 2025 People are also performing “gait analysis” and claiming it’s a high 90% match: Brown University is mass deleting a series of celebratory articles on its website relating to Mustapha Kharbouch, a foreign born Palestinian student in its Middle East studies dept. pic.twitter.com/9DgiDqlhHM — Monika (@Monika_is_His) December 16, 2025 I thought this video from my friend Kevin does a great job breaking it all down. Watch here: FULL TRANSCRIPT: Speaker: Okay, there’s either a cover-up going on or by the time you watch this video, maybe there’s already news that this is indeed the person. Maybe, maybe not. We don’t know. But there’s something really weird going on right now. There’s this Palestinian third-generation individual named Mustafa Kush, who apparently is a Brown University student. In fact, here he is in the Brown 2024 annual report. Here he is in the Brown 23-24 annual report. So, two different years, right? 24-25, 23-24. Okay. Anyway, and when you search for the individual on Brown University’s web page and you do a search, there are a bunch of articles where it comes up as a research assistant, student assistant, “meet our student assistants.” Uh, here’s all this information on Mustafa. He’s in a bunch of different articles at Brown University, like maybe an upstanding Palestinian person who wants to help other people. And all of a sudden, what we find is that when you actually click on each of these individual links, which I’ve tabbed open here, page unavailable, not found, unavailable. This one, uh, that might just be popping up because it’s a thumbnail. Page not found or some kind of index. See, his name doesn’t show up in here anymore. So, probably this is like the blog page where it indexed his name but doesn’t show up. But when you actually look at these pages, you don’t see him anymore. You could control-tab on all of these and he just gets scrubbed. Access denied. Page not found. Access denied. Page not found. What’s going on here? Now, apparently there’s an allegation that this individual has also on his X account, Mustafa_Kh, apparently recently followed Zohran Mamdani. On top of that, he has also potentially left a review for a 9mm firearm, leaving a five-star review after the FBI and Police Department revealed today—well, I mean, the review was left previous to this, but we found out about this review after the FBI and police departments revealed that a 9mm handgun was used in the shooting at Brown. And here’s a review from December 29th, 2024, showing a Mustafa K. Verified buyer, “best customer service ever, great price, and number one products.” Wing Tactical. This is for a muzzle brake outside thread 9-millimeter firearm. The same buyer who also apparently left a review for a 9mm—uh, let’s see here. Uh, nope, never mind. Same product here. Same 9mm muzzle brake product. This is just an image of it. Kind of interesting. Now, what people are most concerned about is the fact that this individual is now apparently getting scrubbed from internet archives. And people are wondering, is the FBI tipping off X because his account was banned and suspended on X? Brown, so they could scrub and clean up the web page over there? Like, why aren’t we being honest with people? Why do we have to go delete the stuff? Why don’t you leave it as a historical archive so normal Americans like us can see that people who even appear normal and have articles written about them can go crazy and maybe we can all work together to try to find when that mental health illness snaps? We don’t know. Some people on X are doing like gait analysis on this person walking. This is the person of interest at various different scenes here and they’re suggesting this aligns with footage of Mustafa K. at protests. That looks like a carry bag he’s got slung over his shoulder. By the way, uh, carry bags, they’re—you could draw on these pretty quickly. Uh, beats, you know, sort of an appendix or side carry or waistband carry. Uh, usually carry bags will have a little string on the top that you could sort of yeet down. Uh, and when you yeet it down, you can draw almost in the same motion. So, yeet, grab out, uh, you know, depending on how you want to grab. Some people move out. Uh, usually when I train, I go back with a firearm because you don’t want somebody else to grab your firearm. But, this isn’t a joke about firearms. It’s just simply to point out what a carry bag might look like or how it might function. Point here is this is the account Mustafa_KH. Uh, this is, uh, you know, he’s listed here as being a student and support staff research assistant at Brown University. We have his pronouns, I guess they/he, and “all views are my own.” And when people have captured his biography, they find that he is a quote “2022 first-year student considering concentrating in international public affairs with a concentration on the Middle East.” Third-generation Palestinian refugee born and raised in Lebanon. Mind you, Lebanon is where Hezbollah has operated closer to the border of Israel to attack Israel. Uh, and then who have also been, you know, counterattacked substantially by Israelis and then of course inside of Palestine. So the Gaza Strip, that’s where we’ve had Hamas militants fighting. But anyway, attaining a scholarship to attend UWC Maastricht, he has led in and continues to help with community-building initiatives and social change roles. He is fond of bringing his activism and identities, okay, interesting word, uh, into academic spaces and engaging in activist scholarship. He is highly moved by questions of—uh, I don’t even know what the hell that word is. Justice and inclusion. But gosh, I can’t even read how these universities write this stuff. I apologize. We got to look this up. What is indigenity? Uh, the fact of originating or occurring in a particular place. So like where you’re born or something. Oh, okay. Whatever. Just say that. Uh, he is highly moved by questions of this. Okay. Uh, at the intersection of queer studies. Oh, great. Great. Just go send the whole trans community off the cliff again or, you know, here we go again or whatever. I mean I know queer is not necessarily trans. I just see every single time we have one of these shootings, the first thing that happens on social media is people start going “it’s the trans.” Mustafa is also currently the cultural programming coordinator for the Global Brown Center and on the e-board of the Arab Society. Well, this is why unfortunately all the innocent Muslims and Arabs, you know, where you’re from or what you follow, uh, you get wrapped up in this kind of stuff over and over again. And we saw the father and son duo murdering people in Australia, Sydney, Australia, Bondi Beach. And where are they from? Pakistan. ISIS adherents with ISIS flags in their car. I mean, who knows? Maybe this is all a setup, but apparently there are people circulating content on this person that this is a “Free Palestine” protester and, um, his account is now deleted. His content is scrapped. We don’t know if this is indeed him. Could be wrong. And that’s the problem is like all of this could be wrong. You know, the internet gets really—people eat this up really, really quickly and there is no confirmation that he shouted “Allahu Akbar” during Saturday’s massacre. Though some people say that that is exactly what he said. We don’t know; that hasn’t been verified yet. Uh, you know, again people are doing these analyses on Twitter—on X, people expect that there will be some form of a posting or announcement that this could be the individual. We don’t know. Uh, so we’ll see. But so far what we’re seeing raises really big questions. That’s what we do know. We know that for some reason the very professor that he worked with also now has his posts protected. So the question is, why is the professor that he worked with protected? Now all of a sudden their tweets are protected. Why all of a sudden are we seeing the scrubbing of the individual’s profile on X? Why was he—on X and on Brown? And what’s the point of not letting people actually see the content that we’ve just covered? Why hide what he said on X before his X profile was deleted? I would like to see it. You know, people try to do the Wayback Machine. The Wayback Machine’s a little bit tougher to do with X. Uh, we could try it. It’s sometimes a little tough though. If we go to twitter.com, you know, because we could go to twitter.com/realmeetkevin and you’ll get my page. So, we know that functions. Let’s try his X account and see if we could get that popping in the Wayback Machine. I doubt it, but let’s grab the URL here. Mustafa—you got to spell it right, Kevin. Mustafa_Kh_. Let’s see if that functions. That account doesn’t exist. Wow, totally scrubbed now, huh? Fantastic. Man, I hate this cover-up stuff. I really do. Oh, wow. Wayback Machine has not archived that URL. Of course not.

Strange Shadow Appears Then Vanishes

Former first son Hunter Biden was disbarred in Connecticut on Monday by a judge who ruled that he violated the state's rules of professional conduct for attorneys.

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