Subprime credit card delinquencies have declined

Higher borrowing rates contributed to a significant rise in the subprime credit card delinquency rate over the last couple of years.However, as of January 2025 the subprime delinquency rate has declined for two consecutive months, although it remains elevated.

Constitution 101: Senate Impeachment Clause

A primary goal of the Founders was to protect the people from a strong federal government. They accomplished this with a series of checks and balances where all three branches received relatively equal strength and gave each branch the ability to check each other’s powers.

Farm debt at ag banks, delinquency rates increased in 2024

By Ty Kreitman & Francisco Scott Farm debt at agricultural banks grew considerably in 2024 and delinquency rates increased from historic lows, research performed by the Federal Reserve Bank of Kansas City shows.

FDIC clarifies process for banks to engage in crypto-related activities

WASHINGTON – President Trump has pledged to relax bank oversight and eliminate barriers to cryptocurrencies.

Alien Enemies Act

By James Finck, Ph.D.Every day in my American Civ class I begin the morning asking if anyone has any questions, not just about what we studied the day before, but about what is going on in the world. I believe the purpose of this class is to study the past to explain the present.

Reviewing Tony Horwitz’s ‘Midnight Rising: John Brown and the Raid That Sparked the Civil War’

By James Finck, Ph.D.Possibly the most misunderstood and controversial character of the Civil War is John Brown. As a child growing up in Virginia, I was taught that Brown was the enemy; a religious fanatic who was bent on violence to stop Virginia’s way of life by any means necessary.

Will America’s Foreign Policy Remain Cyclical Under Trump 2.0?

Possibly the biggest story of the past week is our involvement with Ukraine.Most Americans’ opinion of President Trump’s handling of the situation probably has as much to do with their opinion of foreign assistance as it does with the way Trump handled Ukrainian President Volodymyr Zelenskyy.

Tort Reform Important for Rural Oklahoma

Oklahoma Rural AssociationYou have likely read about tort reform. Why it’s needed from supporters, or why it’s bad from critics. Those opposed to tort reform like to say it’s all about big business or protecting insurance companies. That is wrong.

Constitution 101: Senate Leadership Clauses

By James Finck, Ph.D.Have you ever considered what the vice president does all day? My guess is probably not, but the framers of Constitution did. When they got to the point where they considered a vice president, his only role was as a backup president — a spare, so to speak.

Debate continues: Standard Time or Daylight Saving Time?

OKLAHOMA CITY – It’s that time of year again. Oklahomans, along with the majority of the nation, will turn their clock forward one hour on Sunday, March 9, to observe Daylight Saving Time (DST).