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Buy-now, pay-later returns and disputes are about to get federal oversight

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Buy-now, pay-later returns and disputes are about to get federal oversight

The Consumer Financial Protection Bureau is requiring buy-now, pay-later lenders to provide the same protections to shoppers as credit card companies do.

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The Consumer Financial Protection Bureau is requiring buy-now, pay-later lenders to provide the same protections to shoppers as credit card companies do.

Nora Carol/Getty Images

Shoppers who use buy now, pay later should have the same protections as credit card users, the federal consumer watchdog said on Wednesday.

That means people who rely on these installment payments should get prompt refunds for returned items, receive regular billing statements and be able to pause payments during investigations into disputed charges.

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That’s according to the Consumer Financial Protection Bureau, which says it will begin treating buy-now, pay-later companies — such as Klarna and Affirm — as credit card providers under the Truth in Lending Act, starting in two months.

“The CFPB wants to make sure that these new competitive offerings are not gaining an advantage by sidestepping the long-standing rights and responsibilities enshrined under the law,” the agency’s director, Rohit Chopra, told reporters. “Given the growth in outstanding consumer credit and the rise in new forms of credit, we’re going to continue to carefully monitor these markets and take action to ensure that consumers are being treated fairly.”

This change does not affect how buy-now, pay-later lenders interact with credit bureaus, which the lenders are not required to report to. That has been a central distinction of this industry, allowing it to serve people with limited access to credit but also to grow without much disclosure about its scale or riskiness.

One in 5 households has used buy now, pay later, or BNPL, services, the Federal Reserve Bank of New York estimates. Its study found that shoppers fueling the growth tend to have limited access to credit, lower credit scores or missed credit card payments.

Where a credit card company will charge interest on purchases not paid in full at the end of the billing cycle, BNPL firms often let people split purchases into four or six installments interest free — without a credit check.

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Struggles with refunds through BNPL

Returns and billing disputes have been particular pain points for shoppers using the installment plans.

Sharing their experiences with NPR, many describe having to continue paying off a purchase long after the item is returned for a full refund — meaning the BNPL provider issues the refund only after collecting all the installments, rather than canceling the remaining ones.

Occasionally, BNPL companies might refuse to deal directly with errant merchants, continuing to charge installments for items that never arrived or arrived damaged.

“Consumers have recourse when the merchant gives them the runaround,” Chopra said. “They can dispute a charge with the [BNPL] lender, who is then required to investigate the dispute and in some cases provide a credit to the consumer. Importantly, the consumer does not have to make payments on the [BNPL] loan while the dispute is being investigated.”

Similarly, BNPL companies have to reflect returned items as a credit on the shopper’s loan, Chopra said. Borrowers should also receive detailed disclosures about fees, pricing structures, rights and protections.

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The BNPL industry grew rapidly during the COVID-19 pandemic, and the Consumer Financial Protection Bureau has been studying it since 2021. Agency officials say they will now gather comments on whether the bureau needs to clarify its new approach or issue additional guidance or rules.

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Ukraine latest / Limits of military might / Can major powers regain dominance? : Sources & Methods

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Ukraine latest / Limits of military might / Can major powers regain dominance? : Sources & Methods

A view taken on June 24 shows a heavily damaged multi-story apartment building following a recent attack, which local Russian-installed officials called a Ukrainian drone strike, in the town of Gorlivka in the Donetsk region, Russian-controlled Ukraine, amid the ongoing Russian-Ukrainian conflict.

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Four years in and Ukraine is still giving Russia a run for its money. Four months in and Iran shows no sign of bowing to U.S. demands. 

What do Russia’s fight with Ukraine and the U.S. war with Iran tell us about the limits of military might?

Host Mary Louise Kelly speaks with NPR’s Ukraine Correspondent Joanna Kakissis about the overnight attack in Kyiv, which comes on the heels of Ukraine’s drone assaults in Moscow. NPR National Security Correspondent Greg Myre joins them to talk about what the conflicts in Ukraine
and Iran say about military might and whether major powers can regain dominance. 

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Email the show at sourcesandmethods@npr.org

NPR+ supporters hear every episode without sponsor messages and unlock access to our complete archive. Sign up at plus.npr.org.

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Newsom’s office responds to SCOTUS ruling on women’s sports as California faces ongoing trans athlete wave

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Newsom’s office responds to SCOTUS ruling on women’s sports as California faces ongoing trans athlete wave

California Gov. Gavin Newsom’s office has responded after the U.S. Supreme Court made a historic ruling on trans athletes in women’s sports on Tuesday.

The court ruled 6-3 to uphold state laws that protect women’s sports from biological male trans athletes. California is one of 23 states in the country that don’t have laws to protect women’s sports, and since 2014, has had a law in place to protect the rights of males to compete against females.

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A spokesperson for Newsom’s office said the Supreme Court ruling will not impact California’s current setup.

SUPREME COURT MAKES RULING ON TRANS ATHLETES IN WOMEN’S SPORTS

California Gov. Gavin Newsom speaks during a press conference in Hayward, California, on March 2, where he criticized President Donald Trump’s decision to strike Iran. (Tayfun Coskun/Anadolu via Getty Images)

“The Supreme Court’s decision does not affect California’s laws. The state remains committed to ensuring every Californian, including the LGBTQ community, is met with dignity and respect,” the spokesperson told Fox News Digital.

A source within Newsom’s office provided Fox News Digital a bulleted list titled “As a Governor, Governor Newsom has the strongest record in the country on protecting and expanding transgender rights.”

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The list included several bragging points, including “making it easier to update gender markers on official documents,” and “appointed multiple trans judges.”

The list concludes by pointing out, “California is one of 22 states that have laws requiring transgender students to participate in sports consistent with their gender identity. California passed this law in 2013 (AB 1266) and it was signed into law by Governor Jerry Brown.”

Newsom’s state was ravaged by a trans athlete national media crisis in May, for the second year in a row and third time in total in one year, as prominent trans athlete AB Hernandez competed in girls’ sports.

Hernandez won two track and field state titles for the second straight year. Ahead of the first round of the state tournament in early May, “Save Girls Sports” protesters led by former NCAA women’s soccer player Sophia Lorey scheduled a press conference near the competition grounds.

AB HERNANDEZ ADVANCES IN CALIFORNIA STATE CHAMPIONSHIP AS SAVE GIRLS’ SPORTS ACTIVISTS RALLY NEARBY

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A source within Newsom’s office previously addressed the press conference in the days leading up to the event in a statement provided to Fox News Digital, prompting controversy and criticism from locals.

“The Governor has said discussions on this issue should be guided by fairness, dignity, and respect. He rejects the right wing’s cynical attempt to weaponize this debate as an excuse to vilify individual kids. The Governor’s position is simple: stand with all kids and stand up to bullies,” the statement read.

The governor faced mass backlash from activists across the country for his office’s statement. The controversy only exploded the very next week when it was revealed the California Interscholastic Federation (CIF) re-implemented a pilot program that bumped every girl who finished behind the trans athlete up by one spot on the podium. The change resulted in now-infamous imagery of Hernandez sharing podium spots with the female second-place finishers.

President Donald Trump’s Department of Justice is engaged in Title IX lawsuits against education agencies in California for its policies that allow trans athletes in girls’ high school sports. The lawsuit was officially launched in July after Hernandez won two state finals in triple jump and high jump, and won second place in long jump, at last year’s championships.

Newsom previously declared that he believed males competing in girls’ sports is “deeply unfair” during an episode of his podcast with the late Charlie Kirk in March 2025.

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Then in July 2025, Newsom spoke about the issue in an interview on the “Shawn Ryan Show” saying he has been “amazingly frustrated by it” and that he regularly encounters parents who are angry about the state’s policies at his children’s soccer games.

“Every parent coming up says, ‘It’s so unfair.’ Like ‘Whoa,’ like everywhere I went, progressively-minded people, not bigots, that are champions of trans policy like I am, but didn’t like the sports. They were like ‘come on man, you got to figure this out,’” Newsom said.

Newsom added that his allies in the LGBTQ caucus were “furious” with him after he made his initial comments in March while speaking to Kirk, and even recalled an alleged conversation with President Donald Trump about it.

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“Trump is having the time of his life, and I assure you he is because we’ve had conversations on this topic,” Newsom said.

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“And now he’s suing and threatening us, and they’re just, and you know, I’m the poster child,” Newsom added. “But I do think we have to address that issue.” 

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How a Nation of Immigrants Traces Its Roots

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How a Nation of Immigrants Traces Its Roots

Why are there so many Greeks in Tarpon Springs, Fla.? Because in the early 1900s, Greek sponge divers came from the Dodecanese islands and revolutionized the sponge industry on Florida’s gulf coast.

What explains the pockets of Portuguese and Cape Verdeans in New Bedford, Mass.? In the 1800s, winds pushed whaling boats east to the Azores and Cape Verde, where experienced whalers joined the crews.

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There’s the Basque population in Boise, Idaho, whose ancestors traded a mountainous region between France and Spain for the American West in the hopes of finding gold but later turned to sheep herding. There are the families of Yemeni immigrants hired by Ford Motor Company to build cars in Detroit, and the Vietnamese refugees who were resettled near New Orleans and Houston, where they could carry on shrimping.

These stories are everywhere on this map of American ancestry, which shows how people described their backgrounds to the Census Bureau. There are nearly 200 unique identities represented; blend them — as 340 million Americans do — and we arrive at a jumbled, overlapping, story-filled infinity.

Much of what we see is a history of immigration. Over 250 years, the country has absorbed more than 100 million people. We can trace the pressures that pushed and pulled them here — and the policies that welcomed certain groups while keeping others out — through the patterns in where their descendants live today.

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Now, a larger share of the country was born abroad than ever before, and the Trump administration’s sweeping immigration bans echo exclusionist policies enacted in response to similar demographic conditions a century ago.

Those policies defined Americans for generations. Recent efforts to limit immigration will likewise affect how future Americans understand their heritage and themselves.

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How we got here

In the late 1700s, the area that would become the present-day United States was already diverse. At least 1.5 million Native people, and possibly many more, were living across the territory. They were joined by about three million Europeans and enslaved Africans living in both the English colonies and the French and Spanish territories.

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Note: Map shows the distribution of national origins in the former English colonies, based on the 1790 census, as well as major cultural groupings of Native American tribes. Sources: The American Heritage Pictorial Atlas of United States History; Handbook of North American Indians. The New York Times

From colonial times, immigration was an important contributor to population growth. It accelerated as the new country’s territory expanded west and immigrants arrived to settle it. From 1820 to 1860, more than five million people came, through a mostly open door.

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With the advent of the steamship, the cost of passage plummeted, and companies offered special immigrant fares that were often coupled with rail tickets to the interior of the country. Once a community of immigrants was established somewhere, it tended to grow.

After 1840, immigration from Western Europe began to rise quickly as political instability in Germany and the famine in Ireland drove people to leave. Asian immigrants, drawn by the discovery of gold in California in 1848, were recruited to work on farms and railroads.

Later in the 19th century, pogroms across Eastern Europe and the aftermath of Italian reunification drove a surge of migration to the United States. From 1880 to 1920, 24 million immigrants arrived. They went almost everywhere except the South, where the land-owning elite already had cheap labor from the formerly enslaved and poor tenant farmers.

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Cities swelled. In 1910, according to the Ellis Island National Museum of Immigration, three-quarters of the residents of Boston, Chicago, Cleveland, Detroit and New York City were immigrants or children of immigrants.

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1850

2 million total immigrants

The 1850 census did not include data on the birthplace of enslaved people.

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1910

14 million total immigrants

1970

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9 million total immigrants

2024

50 million total immigrants

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Source: U.S. Census Bureau. The New York Times

Many rural areas in the Midwest had a similar share of immigrants in 1910, but newcomers to the cities tended to be from novel sources like Russia or Italy. That meant there were more languages, more cuisines and more workers. It also meant there were more crowds, more slums and more people behaving in unfamiliar ways — fodder to drive views that the new immigrants were unassimilable and that policies were needed to keep them out.

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The first federal law to severely limit immigration had come much earlier, in 1882, when practically all Chinese people were barred from entering the country. More restrictions followed, and eventually animosity toward new immigrants led to the passage of laws in the 1920s creating a quota system tied to nationality.

Western Europeans were given generous quotas and Southern and Eastern Europeans much smaller ones. For the rest of the Eastern Hemisphere, the quotas were set to almost nothing. Ships raced through the night to reach New York Harbor, all trying to be first to dock at Ellis Island.

There weren’t quotas for countries in the Americas and the Caribbean, but there were other restrictions. Mexicans faced mass deportation campaigns in the 1930s and 1950s, even as millions were recruited as temporary workers to fill agricultural jobs across the Southwest.

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Over the next 40 years, these rules drove the foreign-born population in the United States to its lowest levels. Children of immigrants replaced immigrants, blending into American society while retaining their own cultural traditions.

Then, alongside the civil rights movement of the 1960s, activists and lawmakers who saw the national quota system as racist pushed to replace it with one based on employment and family ties.

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Another decades-long wave of immigration followed, this time from different parts of the world.

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Share of immigrants in the United States by region of birth

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Chart data is unavailable.

Note: The 1850 census did not include data on the birthplace of enslaved people. Source: U.S. Census Bureau. The New York Times

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The new rules allowed people to sponsor their family members and relatives, and they gave preference to workers with advanced degrees and specialized skills. The family visas, in particular, led to an unforeseen boom in immigration.

An expanded refugee program also brought more immigrants, many from Southeast Asia who were displaced by Cold War conflicts.

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For the first time, immigrants from the Western Hemisphere faced limits on their numbers. Similar to the European workers who arrived earlier in the century, many chose to settle in the United States permanently instead of risking returning to their home countries between periods of working in the United States. Millions who couldn’t get visas turned to entering illegally.

The most recent immigration wave, during the Biden administration, was different still: The number of visas for immigrants remained steady, while migrants from Central America arrived at the southwest border in large numbers to seek asylum. Desperate conditions in Cuba, Haiti and Venezuela, as well as wars in Afghanistan, Ukraine and elsewhere led hundreds of thousands of people to flee to the United States — many of them drawn to established communities of immigrants from their countries.

Where we are today

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The lines of American ancestry today are not neatly drawn, and groups overlap and spill into one another. Some people don’t answer the census questions about their origins at all. For others, it’s complicated. Descendents of enslaved people, for example, may identify themselves as African American because they are unable to trace their roots to a specific place.

Many areas have truly mixed populations, with people of several different ancestries nearly equally represented.

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Take this area just southwest of Houston, for example:

Sources: U.S. Census Bureau 2019-2024 American Community Survey; Mapbox. The New York Times

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Nigerian, Jordanian, Mexican, Vietnamese, African American, Salvadoran, Iraqi, German, English, Irish and Chinese people are all among the top groups in these neighborhoods.

Every city has its own distinct pattern, visualized in the the patchwork of gold, green and blue in Los Angeles, the stark reds, blues and yellows of Chicago, a purple Minneapolis, a green Honolulu:

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Sources: U.S. Census Bureau 2019-2024 American Community Survey; Mapbox. The New York Times

Who comes next?

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If the patterns in these maps reflect the immigration policies of at least a century ago, we can expect them to shift and change again as a result of contemporary decisions about who makes up the American mosaic.

No comprehensive immigration legislation has passed Congress since the 1980s. After a surge of immigration during the Biden administration, in which an estimated eight million people entered the country over three years, demographic experts now estimate that the United States could reach net-zero or negative immigration sometime soon. That is in part because of the Trump administration’s aggressive actions to speed deportations of people who are in the country illegally and to limit pathways to legal immigration.

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At the same time, the factors that pull immigrants to the United States remain strong. And, unlike 100 years ago, the country now faces a declining population and work force. The tension between the need for new workers and resurgent nativist politics will influence who comes, who settles and who is counted among the ancestors of future generations.

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About the data

The ancestry maps in this article and the related interactive map draw from seven tables of race, ethnicity and ancestry data that the Census Bureau published as part of the American Community Survey estimates for 2019-2024.

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The census ancestry and origin data are estimates based on a sample of the population and include margins of error that can be large for small population groups. We used the estimates published by the Census Bureau without adjustment.

In the survey, respondents are asked questions about their race and whether they are of Hispanic or Latino origin. Each of those questions allows respondents to list their national origins. An additional question asks about their ancestries. People can claim multiple ancestries or origins and appear in multiple categories.

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Some groups appear in multiple tables. For example, people can select “white” as their race and list “German” as a specific origin. Separately, anyone can also choose “German” in response to the survey’s ancestry question. For such groups, we used the table with the higher value for the country as a whole. In a small number of cases, similar ancestries were grouped together.

Colors for each census tract are blended based on the adjusted number of people who reported being of each race and ancestry in the tract, for each group above a minimum threshold.

In charts of the immigrant population, counts come from Census Bureau research publications, the 2000 census and the American Community Survey. Those counts include only foreign-born residents and exclude any descendants born in the United States.

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