Mr. President, the House's plan to repeal the Affordable Care Act is dangerous and irresponsible. Just listen to Governor John Kasich, Republican Governor of my State, who says we should not be…
Mr. President, the House's plan to repeal the Affordable Care Act is dangerous and irresponsible. Just listen to Governor John Kasich, Republican Governor of my State, who says we should not be throwing 500, 600, 700,000 Medicaid beneficiaries--mostly people who have jobs and work in low-income jobs--we shouldn't throw them off their insurance. In fact, in Ohio there are 900,000 people--700,000 on Medicaid, 100,000 on their parents' healthcare plan, and another 100,000 on the exchanges--who would lose their insurance if the House succeeds and the Senate goes along in changing dramatically or repealing the Affordable Care Act.
My office is flooded with letters and calls from Ohioans begging us not to take away their care. Let me share some of those letters.
A woman from Beachwood, OH, in Northeast Ohio wrote to me on January 11 terrified of possible changes to the Medicaid system that helps fund nursing homes like the one where she lives. She writes:
I strongly believe changes would drastically diminish my
quality of life and many other residents' in the nursing home
setting. My care needs are currently well managed by
qualified and caring staff members. I am a 2-person assist
with dressing, bathing, and getting to the bathroom. I also
require two people with getting dressed every morning.
Medicaid cuts would decrease the number of staff members. .
. . Without adequate staff, I am afraid of extensive wait
periods and frequent bathing accidents. . . . It would be
very difficult to endure, cause embarrassment, while
destroying my dignity in the process.
I am not as strong as I used to be. I have children who
love and care for me and placed me in a safe environment.
Living in the nursing home has allowed me to live a little
better, smile a little longer, and enjoy my days with family
members.
``Please consider,'' she writes, ``the people who will be affected the most.''
Understand that most Medicaid dollars--dollars that unfortunately Republicans want to block-grant or capitate in some way, whatever terms they want to use here, send to the States, shrink those dollars, and people like this lady from Beachwood will be the losers as a result. Understand again that most Medicaid dollars--two-thirds of them--go to nursing home care. ``Please consider the people who will be affected the most,'' she writes.
Another woman from Mount Vernon, OH, a part of the State where I grew up in Mansfield, wrote to urge us not to rip coverage away from individuals who are currently receiving mental health and addiction services. She writes:
As a constituent concerned about preserving access to
lifesaving mental health and addiction services, I am writing
today to urge and request your support in protecting the
Affordable Care Act and preserving Medicaid expansion.
I work as a substance abuse counselor in Knox County and
work with adolescents and women with co-occurring disorders.
Without the Medicaid expansion, many of our clients would not
be able to get the help they need.
Without ObamaCare, without the Affordable Care Act.
Without the Medicaid expansion, many of our clients would
not be able to get the help they need.
Today in Ohio, 200,000 people are in the midst of opioid addiction treatment, and 200,000 of them have insurance so they could get that treatment delivered in the right way and have insurance because of the Affordable Care Act. This House proposal would just rip it away from them.
She goes on to write:
Knowing that they can receive help and healthcare often is
one of the motivating factors for our clients to begin to
make change. Their ability to access medications such as
Vivitrol through Medicaid has been a strengthening point in
the recovery process of many. With our teens, I have seen
them be able to change substance use with the resources that
Medicaid provides.
In other words, some of them are breaking their addiction and some of them are being cured because of the Affordable Care Act, because they have Medicaid.
Medicaid allows our rural and low-income teens--
And of the 88 counties in Ohio, 70 or so are classified as small town or rural, like the county I grew up in, Richland County--
many of whom otherwise would not be able to attend treatment
due to transportation barriers--to attend treatment through
public transportation. Working with these clients, you learn
their stories. So many have been through unimaginable trauma,
losses, and emotional/physical pain. Many have never had the
support to help them begin to work through these issues
underlying the substance use.
She is worried. The lady in Mount Vernon, OH, is worried, with very good reason, that these repeal plans would ``leave millions of Americans without access to needed mental health and addictions treatment in our state and communities.''
Most recently, a woman in Butler County--the congressional district of former Speaker John Boehner and some members of my staff, past and present--writes:
I am extremely concerned about the cuts President Trump and
the Republican-led Congress propose to make in the Medicaid
program and services for the developmentally disabled.
Her son is 14 years old. He was diagnosed with a specific type of autism. He is nonverbal, with severe cognitive and physical challenges. She wrote to my office how Medicaid has been ``a godsend'' for her and her family. Before her son received a waiver under the Medicaid Program, her family was spending $100 a month in copays for psychiatric medications alone. That is in addition to all the extra medical costs in caring for a severely challenged child. They couldn't afford the physical therapy he needs, despite having insurance coverage through her husband's employer. She wrote that Medicaid ``more than anything else, improved the quality of my son's life, and by extension, the life of our whole family.''
Understand that health challenges--especially mental health challenges but health challenges overall--in one member of a family afflict the whole family. That is something we should remember as this Congress seems to rush pell-mell into trying to repeal Medicare, trying to repeal the Affordable Care Act.
These three letters are three of hundreds of thousands that we received--hundreds of thousands of letters and calls that Members of the Senate are receiving. I don't understand how, when 20 million people will lose their insurance, so many Members of Congress, who themselves have government-financed health insurance--we have health insurance in this body paid for by taxpayers, most of us. Yet we think it is appropriate to pass legislation in part giving tax cuts to the richest Americans and at the same time stripping away Medicare benefits, taking 22 million people who now have insurance off of that insurance and proposing minor insurance for some of them but not nearly all of them. If we are people of God, if we are people who care about our constituents, how we can do that is just beyond me.
I go back to the quote from one of the people I read about today from Beachwood. She writes: ``Please consider the people who will be affected the most.''
Consumer Financial Protection Bureau
Mr. President, President Trump declared this week Consumer Protection Week, but his proclamation has gaping holes. It ignores the many ways large corporations cheat consumers and the biggest tool Americans have to fight back.
Not once did the proclamation mention the Consumer Financial Protection Bureau, which has returned $12 billion to 29 million consumers. The Consumer Financial Protection Bureau was created under Dodd-Frank 8 or 9 years ago. Not once does it talk about the unscrupulous lenders who targeted Americans with predatory mortgages before blowing up the economy in 2007 and 2008. Not once does the President's Consumer Protection Week proclamation mention the millions of fake accounts opened by Wells Fargo. Not once does it mention the shady outfits that set up shop outside the gates of our military bases and the payday
lenders and other unscrupulous lenders who set up shop outside the gates of the military bases because they aren't allowed on the military bases as they try to exploit our service men and women and their families.
Not only did the President ignore some of the most pressing consumer protection issues, his administration is attacking the most important consumer advocate indeed--the Consumer Financial Protection Bureau.
Last week, President Trump's Department of Justice filed papers in Federal court signaling that it will argue that the CFPB shouldn't be independent. The President and White House want the CFPB under their control so they can weaken it, so they can help Wall Street, so they can take away some of its power. They think the President should have the power to fire the head of the agency for any reason.
The whole reason we wrote it to be independent was to protect it from a President who chose Wall Street over Main Street. It was Presidential Candidate Trump who sounded pretty good standing up to Wall Street and helping Main Street. If you look at the nominees, his appointments, and his actions so far, it has been exactly the opposite. He has been the president of Wall Street and at the same time exploiting Main Street. It means that what the President has proposed is that the President can fire his director for doing his job: stepping on the toes of special interests.
The CFPB works in part because it has an independent Director. The current Director of the CFPB, Richard Cordray from Ohio, has protected consumers, has returned billions to Americans who were cheated and who were taken advantage of by big companies.
The CFPB has an independent budget. Banks can't kill it by lobbying it and cutting off its budget. That is the point. People whom he has in many cases recovered money from because he represents consumers--those banks, those large Wall Street banks and other financial institutions, because of the way it is set up, can't lobby Congress to take money away from it and put it out of business. Special interests have relentlessly attacked the CFPB since the day we created it.
President Trump ran on the promise of protecting the little guy, but he hasn't followed through on the promise of protecting ordinary Americans from some of the wealthiest, most privileged special interests in this town.
If you are one of the 29 million Americans who received help from CFPB, you might know how important saving it is, but you might not know how important it is to especially protecting one group of people, and that is protecting our veterans and our servicemembers. The CFPB has an entire office that is dedicated to helping men and women who have served in uniform--the Office of Servicemember Affairs.
A couple of weeks ago, my Rhode Island Senator friend, Jack Reed, was in the Armed Services Committee with the senior enlisted advisers of military services--the Army, Air Force, Navy, Marines. Their job is to make sure our servicemembers and their families are getting the support they need. Every one of them had great things to say about the CFPB's Office of Servicemember Affairs--of the value it provides and the support it provides to the men and women who sacrifice so much for our country.
Senator Reed brought up an alarming figure. A recent report estimated that thousands of servicemembers are forced out of service every year because of financial hardships--problems with their mortgages, with payday loans, with credit card debt. One will remember earlier in the presentation that I talked about how many of these financial groups set up right outside military bases. That causes a tragedy for these men and women who want to serve their country, and it causes tragedy for their families. It costs taxpayers $57,000 every time someone is forced out of service. Many other servicemembers lose their security clearances because of financial trouble, which directly affects the mission readiness that is brought on by shady business practices.
The CFPB is stepping in to protect these heroes who are often taken advantage of. The CFPB's Office of Servicemember Affairs is led by men and women who have served in the military and know what kind of help servicemembers need. They visit 145 military facilities across the country in order to help servicemembers get their finances straightened out and to hear about their concerns. They have handled 70,000 complaints from servicemembers and veterans about abusive practices by financial institutions. They have returned $130 million back to servicemembers and their families simply by enforcing the law and protecting those consumers.
The CFPB protects the men and women who protect our country. It protects all of us. The best way to celebrate Consumer Protection Week is not through words and proclamations, it is through actions.
We need to combat cyber crimes and identity theft, as the President mentioned, but we also need to combat all kinds of tricks and traps-- loans with outrageous interest rates, for-profit colleges that promise far more than they deliver, lenders who discriminate based on race. The list goes on and on.
I urge my colleagues to join me in working to ensure that the CFPB remains a strong, active ally in the cause of consumer protection this week, next week, every week.
I yield the floor.