Omb Personal Financial Statement Instructions: Fill & Download for Free

What can I do to stop calls that ask about my credit?Install a call blocker app(s) on your mobile phone; I use two simultaneously.10 Best Call Blocker Apps for Android and iOSTop Best Call Blocker Apps For SmartphonesBest Free Robocall Blocker Apps for iPhone and AndroidYouTube: Stop Robocalls and ScammersIf you only have a landline hangup. Please do not give out personal information from an incoming call. It's a scam and an attempt to steal from you by identity theft.SOURCE: Best Landline Call Blocker Devices to Block Robocalls | MashtipsHow to block robocalls on a landline phone - The Silicon UndergroundStop the Robocalls: Tips to Hang up on Them for GoodLocal Call Spam? Here's How to Block Robocalls on Landline and Mobile | Pivotal ITRobocalls Flooding Your Cellphone? Here’s How to Stop ThemAn official website of the United States governmentIdentity TheftHow to protect yourself against identity theft and respond if it happens.Identity (ID) theft happens when someone steals your personal information to commit fraud.The identity thief may use your information to fraudulently apply for credit, file taxes, or get medical services. These acts can damage your credit status, and cost you time and money to restore your good name.You may not know that you’re the victim of ID theft immediately. You could be a victim if you receive:Bills for items you didn't buyDebt collection calls for accounts you didn't openDenials for loan applicationsChildren and seniors are both vulnerable to ID theft. Child ID theft may go undetected for many years. Victims may not know until they’re adults, applying for their own loans. Seniors are vulnerable because they share their personal information often with doctors and caregivers. The number of people and offices that access their information put them at risk.Types of ID TheftThere are several common types of identity theft that can affect you:Tax ID theft - Someone uses your Social Security number to falsely file tax returns with the IRS or your stateMedical ID theft - Someone steals your Medicare ID or health insurance member number. Thieves use this information to get medical services or send fake bills to your health insurer.Social ID theft - Someone uses your name and photos to create a fake account on social mediaTake steps to avoid being a victim of identity theft. Secure your internet connections, use security features, and review bills. Read moreabout how you can prevent identity theft.Prevent Identity TheftKeep these tips in mind to protect yourself from identity theft:Hang-up to anyone you do not knowSecure your Social Security number (SSN). Don’t carry your Social Security card in your wallet. Only give out your SSN when absolutely necessary.Don’t share personal information (birthdate, Social Security number, or bank account number) just because someone asks for it.Collect mail every day. Place a hold on your mail when you are away from home for several days.Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.Use the security features on your mobile phone.Update sharing and firewall settings when you're on a public wi-fi network. Use a virtual private network, if you use public wi-fi.Review your credit card and bank account statements. Compare receipts with account statements. Watch for unauthorized transactions.Shred receipts, credit offers, account statements, and expired credit cards, to prevent “dumpster divers” from getting your personal information.Store personal information in a safe place.Install firewalls and virus-detection software on your home computer.Create complex passwords that identity thieves cannot guess. Change your passwords if a company that you do business with has a breach of its databasesReview your credit reports once a year. Be certain that they don't include accounts that you have not opened. You can order it for free from Annualcreditreport.com.Freeze your credit files with Equifax, Experian, Innovis, TransUnion, and the National Consumer Telecommunications and Utilities Exchange for free. Credit freezes prevent someone from applying for and getting approval for credit account or utility services in your name.Report Identity TheftReport identity (ID) theft to the Federal Trade Commission (FTC) online at IdentityTheft.govor by phone at 1-877-438-4338.If you report identity theft online, you will receive an identity theft report and a recovery plan. Create an account on the website to update your recovery plan, track your progress, and receive prefilled form letters to send to creditors. If you don't create an account, you won't be able to access the report or letters later. Download the FTC's publication (PDF, Download Adobe Reader) for detailed tips, checklists, and sample letters.If you report identity theft by phone, the FTC will collect the details of your situation. But it won't give you an ID theft report or recovery plan.You may also choose to report your identity theft to your local police station. It could be necessary if:You know the identity thiefThe thief used your name in an interaction with the policeA creditor or another company requires you to provide a police report.Report Specific Types of Identity TheftYou may also report specific types of identity theft to other federal agencies.Medical Identity Theft - Contact Medicare’s fraud office, if you have Medicare.Tax Identity Theft - Report tax ID theft to the Internal Revenue Service.Report Identity Theft to Other OrganizationsYou can also report the theft to other organizations, such as:Credit Reporting Agencies - Contact one of the three major credit reporting agencies to place fraud alerts or freezes on your accounts. Also get copies of your credit reports, to be sure that no one has already tried to get unauthorized credit accounts with your personal information. Confirm that the credit reporting agency will alert the other two credit reporting agencies.National Long-Term Care Ombudsman Resource Center - Report cases of identity theft that resulted from a stay in a nursing home or long-term care facility.Financial Institutions - Contact the fraud department at your bank, credit card issuers and any other places where you have accounts.Retailers and Other Companies - Report the crime to companies where the identity thief opened credit accounts or even applied for jobs.State Consumer Protection Offices or Attorney General - Some states offer resources to help you contact creditors and dispute errors.You may need to get new personal records or identification cards if you're the victim of ID theft. Learn how to replace your vital identification documents after identity theft.Tax ID TheftTax-related identity theft occurs when someone uses your Social Security number to get a tax refund or a job. You may not be aware of the problem until you E-file your tax return and find out that another return has already been filed using your Social Security number. If the IRS suspects tax ID theft, they will send a 5071C letter to the address on the federal tax return. Keep in mind, the IRS will never start contact with you by sending an email, text, or social media message that asks for personal or financial information. Watch out for IRS imposter scams, when someone contacts you saying they work for the IRS.Report Tax ID TheftIf you suspect you have become a victim of tax ID theft—or the IRS sends you a letter or notice indicating a problem—take these steps:File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov. You can also call the FTC Identity Theft Hotline at 1-877-438-4338 or TTY 1-866-653-4261.Contact one of the three major credit bureaus to place a fraud alert on your credit records:Equifax: 1-888-766-0008Experian: 1-888-397-3742TransUnion: 1-800-680-7289Contact your financial institutions, and close any accounts opened without your permission or that show unusual activity.Respond immediately to any IRS notice; call the number provided. If instructed, go to the IRS Identity Verification Service.Complete IRS Form 14039, Identity Theft Affidavit (PDF, Download Adobe Reader); print, then mail or fax according to instructions.Continue to pay your taxes and file your tax return, even if you must do so by paper.Check with your state tax agency to see what steps to take at the state level.How to Protect YourselfFollow these steps to prevent tax identity theft:DoFile your income taxes early in the season, before a thief can file taxes in your name. Also, Keep an eye out for any IRS letter or notice that states:More than one tax return was filed using your Social Security number.You owe additional tax, you have had a tax refund offset, or you have had collection actions taken against you for a year you did not file a tax return.IRS records indicate you received wages from an employer unknown to you.Don’tDon’t reply to or click on any links in suspicious email, texts, and social media messages. Make sure to report anything suspicious to the IRS.Medical ID TheftMedical identity theft can occur when someone steals your personal identification number to obtain medical care, buy medication, access your medical records, or submit fake claims to your insurer or Medicare in your name.Report Medical Identity TheftIf you believe you have been a victim of medical identity theft, call the Federal Trade Commission at 1-877-438-4338 (TTY: 1-866-653-4261) and your health insurance company’s fraud department. You can report the theft through IdentityTheft.gov to share with the FTC and with law enforcement. Also get copies of your medical records and work with your doctor's office and insurance company to correct them.If you suspect that you have been the victim of Medicare fraud, contact the U.S. Department of Health and Human Services’ Inspector General at 1-800-447-8477.Prevent Medical Identity TheftTake these steps to prevent medical identity theft:Guard your Social Security, Medicare, and health insurance identification numbers. Only give your number to your physician or other approved health care providers.Review your explanation of benefits or Medicare Summary Notice to make sure that the claims match the services you received. Report questionable charges to your health insurance provider or Medicare.Request and carefully review a copy of your medical records for inaccuracies and conditions that you don’t have.Do you need help?Ask us any question about the U.S. government for free. We'll get you the answer or tell you where to find it.Call USA.govChat with USA.govForm Approved OMB#3090-0297 Exp. Date 07/31/2019Last Updated: February 14, 2019TopfooterAbout Official Guide to Government Information and Services | USAGovAsk Official Guide to Government Information and Services | USAGov a Question

It’s important for home buyers to understand that a mortgage commitment letter in NYC does not guarantee that the bank will fund your loan.As you will see from the NYC mortgage commitment letter sample below, there are many contingencies in place for the bank to revoke its loan commitment to you. If you’re about to submit an offer and deciding whether to waive the mortgage contingency, it’s important to understand what a mortgage commitment letter entails and how much assurance a loan commitment offers you in the first place.What does a NYC mortgage commitment letter sample look like?This is an example of a standard mortgage loan commitment letter that would be issued to a New York City condo or co-op apartment buyer. There are additional sections in this NYC mortgage commitment letter sample you should review such as Commitment Conditions.MORTGAGE LOAN COMMITMENTBorrower Name(s):Borrower Mailing Address:Lender:Property Address:Type of Property: [Condo, Co-op, etc.]Commitment Expiration Date:Date:It is a pleasure to notify you that your application for a mortgage loan has been approved subject to the following matters set forth below and on pages 2 and 3.INSTRUCTIONSPlease sign, date and return Lender’s copy of this Commitment, along with any required fees and items requested, to the Lender at the following address, within 15 days of the date hereof, or at the option of Lender, this Commitment shall become null and void. Should you have any questions, please contact:This approval is not a final commitment. Due to the fact that interest rates are subject to change without notice, your approved payment and loan amount may change if interest rates increase or decrease.EFFECTIVE DATE AND COMMITMENT FEEThis commitment will become effective upon compliance with the terms herein and, if applicable, the receipt of your check in the amount of any non-refundable commitment fee (“stand-by fee”). It is understood and agreed that if this mortgage loan is not settled in accordance with the terms and conditions of this commitment, the Lender shall retain this fee as earned charges for the origination and approval of this loan.AMOUNTS, TERMS AND FEESAmount of Loan $[Amount]Initial (Contract) Interest Rate [Rate]%Loan Term [Number] monthsAmortization TypeBalloon Term (if applicable) [X] monthsLoan TypeLien Position 1st LienPAYMENT (P&I)Your initial interest only principal and interest (P&I) amount is $[Amount]. This amount does not include any escrowed amounts and may change if there is a change in loan terms.ESCROW[ X ] An Escrow Account is not required.[ ] An Escrow Account is required.Even if an Escrow (Impound) Account is not required at time of settlement, subject to the terms of your specific loan documents, the Lender may set up and require an Account should the taxes or insurance on the subject property ever become delinquent.EVIDENCE OF TITLEThe Evidence of Title is to be provided to the Lender and must indicate no liens, encumbrances, or any adverse covenants or conditions to title unless approved by Lender. The Evidence of Title must be issued from a firm or source, and in a form, acceptable to Lender. Borrower will be charged for the cost of providing such title and the cost of recording documents, all of which will be ordered by Lender unless requested otherwise.CANCELLATIONThe Lender reserves the right to terminate this commitment prior to the settlement of the loan in the event of an adverse change in your personal or financial status, or if the improvements on the property are damaged by fire or other casualty.REQUIRED ITEMS OR CONDITIONSAll Items Listed on the Commitment Conditions Addendum Apply.THE FOLLOWING CONDITIONS MAY APPLY TO YOUR LOAN DEPENDING ON THE LOAN TYPE AND TERMS.BALLOON MATURITYA balloon loan matures before the loan is fully amortized. The balance of the loan will be due in a lump sum payment at maturity.FIRE AND EXTENDED COVERAGE INSURANCEPrior to settlement, we will require an original insurance policy and/or binder containing fire and extended coverage (i.e., windstorm, hurricane, hail damages, or any other perils that are normally included under an extended coverage endorsement) insurance in an amount equal to the lesser of 100% of the insurable value of the improvements, or the unpaid principal balance of the mortgage as long as it equals the minimum amount (80% of the insurable value of improvements) required to compensate for damage or loss on a replacement cost basis through a company acceptable to the Lender, and a receipt showing premiums paid in advance for one year. The insurance policy shall also contain a standard mortgage clause in favor of Lender. We cannot require you to obtain a policy which exceeds the guaranteed replacement cost of the improvements securing the loan.If the property is new construction and you are not able to occupy the property immediately after closing, you will be required to furnish an original fire/hazard insurance policy or binder, including a Builder’s Risk Rider. If this is a renovation of an existing dwelling that will remain occupied, a Builder’s Risk Rider is not necessary.GOVERNMENT INSURED LOANSLoan Commitments issued for these types of mortgage loans, including, but not limited to FmHA, RHS, FHA, and VA, are subject to all the terms and conditions of the Agency’s commitment, or the VA certificate of reasonable value, as well as the rules, and regulations, and all applicable requirements of the Farmers Home Administration, Rural Housing Service, Department of Housing and Urban Development, the Department of Veterans Affairs, and/or other state or municipal authority.FLOOD INSURANCEBy signing and accepting this commitment, you acknowledge that if the property securing this loan is in an area identified as having a special flood hazard you agree to these insurance requirements.Our policy, in order to best protect collateral interest, is to adhere to the more common industry practice of requiring flood coverage for the lesser of: the full 100% Replacement Cost Value or the maximum amount of insurance available under NFIP for the particular type of building; currently $250,000 per residential dwelling/condominium unit. A copy of the declaration page or application signed by the agent, along with proof premium has been paid, is required prior to closing.Flood insurance is mandatory now or in the future if this property has been or will be determined to be in an area which has a special flood hazard. Federal Law requires that flood insurance, available through any agent, must cover the lowest of: the outstanding principal balance of the loan[s]; the maximum amount of coverage allowed for the type of building under NFIP or the full replacement cost value of the building or contents securing the loan.TAX AND INSURANCE PAYMENTSMonthly deposits and initial deposits as determined by Lender are required to cover the payment of estimated annual real estate taxes, special assessments and, if applicable, FHA or Private Mortgage Insurance Premiums. Lender may also require additional deposits for hazard or other insurance if required for this loan. Such deposits are to be placed in a separate escrow or impound account.SPECIAL ASSESSMENTSIf required, all unpaid and future special assessment installments must be paid in full prior to, or at time of settlement.DOCUMENTATIONThe mortgage or deed of trust, note and other pertinent loan documents will be provided by Lender and must be signed by all applicants that are to be contractually liable under this obligation. Further, the mortgage or deed of trust must be signed by any non-applicant spouses if their signature is required under state law to create a valid lien, pass clear title, or waive unclear rights to property. Note: Samples of loan documents are available upon request.ADDITIONAL CONDITIONS FOR CONSTRUCTION LOANS.CONSTRUCTION LOANS: ONE PAYOUT AND MULTIPLE PAYOUTImprovements are to be built in a good and workman-like manner in strict accordance with plans and specifications furnished Lender and in compliance with applicable building codes. After completion, said improvements shall be approved by a representative of Lender and an occupancy permit shall be issued by local municipality. Any changes, whether they be additions, deletions, or alterations, of the plans and specifications, must be approved in writing by Lender in order that this loan commitment remain in effect.CONSTRUCTION LOANS: MULTIPLE PAYOUTEvidence must be submitted that the net proceeds of our loan are sufficient to complete the construction of the building, free and clear of all claims of Mechanic’s Liens for labor and material. All disbursements will be made upon the order of the borrower upon presentment of proper waivers of lien, subject to compliance inspections by the Department of Veterans Affairs, the Federal Housing Administration, or Lender, not to exceed 80% of the value of the work done. The remaining funds will be held back until the certificate of completion and/or occupancy certificate is issued.I (WE) accept the terms and Conditions of this Commitment and will notify Lender if there are any changes to the information provided on the application before the closing of the loan.Borrower DateCOMMITMENT ISSUED ON BEHALF OF LENDER BY:Take special note of the cancellation clause listed above. If you lose your job or suffer some other financial setback, the bank will have cause to terminate your loan commitment!What are some typical commitment conditions in a NYC mortgage commitment letter sample?This is an example of a some typical commitment conditions in a NYC mortgage commitment letter sample. Note the long check-list of tasks that must be completed in order for the lender’s commitment to be valid.COMMITMENT CONDITIONS(Attachment to Mortgage Loan Commitment)Borrower: The Closing Disclosure will be provided to you in advance of your closing indicating your loan terms and is followed by a government mandated waiting period before the actual closing occurs. Receipt of the Closing Disclosure does not indicate all loan conditions have been satisfied which must occur prior to closing. Changes of any kind that occur after the final Closing Disclosure has been delivered to you may result in an additional waiting period prior to closing.Borrower: This loan is also subject to all other lender specified conditions and must comply with all applicable federal, state, and local laws and regulations.Lender: Verification from the Lender’s Closing Agent / Attorney that a Recognition Agreement has been executed by the the Cooperative Board and received by the Closing Agent/AttorneyLender: Title to have Recorded UCC1 lien search at time of closingLender: Recognition agreements and stock certificate required at time of closingLender: This loan is approved for a maximum interest rate of — [ ]% (qualifying pmt)Lender: If the loan does not close by the expiration date of the credit documents which includes verification of employment, assets and credit, re-verification will be required. To avoid re-verification the loan must close by: [Date] (rate)Lender: Obtain a completed and signed Form 4506-T (written permission to request tax returns from the IRS) for all borrowers at and before closing. — ** rcvd prior to closing **Lender: Closing agent to verify borrower(s) identityLender: Fully executed and signed Social Security Administration release (form OMB #0960–0760)Lender: Loan was approved based on the following parameters: Debt to Income Ratio not to exceed [ ]%; Total Reserves required for Transaction are $[Amount] or 12mos (subject to change) plus closing cost & prepays of $[Amount] (subject to change). Required Liquid Funds for transaction can be no less than $[Amount]. If any of these parameters change, as required by product guidelines, the loan will be subject to re-underwriting.Lender: If the loan does not close by the expiration date of the following documents, re-verification will be required:Appraisal: [Date] Verbal VOE: [Date] Rate: [Date] Lien Search: [Date] Co-Op Approval: [Date]Lender: No subordinate financing allowedLender: Seller paid closing cost may not exceed actual costs, the maximum amount that can be paid is — $[Amount]Lender: No cash out to borrower(s) at closingNote that this hypothetical lender does not allow any subordinate financing. That means you won’t be able to take out a 2nd lien home equity line of credit at a later time. Please also note that if your purchase doesn’t close in time, the lender may need to re-do the underwriting process.Sample Mortgage Commitment Letter InstructionsCONGRATULATIONS!Your application for a [Bank Name] Co-op Loan has just been approved. Enclosed you will find a commitment letter which provides you with specific details regarding your loan approval. We urge you to read it carefully as it contains important information on the financing terms and the documentation that is required in order to close your loan.WHAT ARE THE NEXT STEPS?You must sign the commitment and return it to us within ten (10) days of the commitment or before the expiration date, whichever is sooner with any fees specified. Please note that this commitment letter contains two critical dates. If you elected to lock in your interest rate and points there is a rate expiration date. If you do not close your loan on or before the rate expiration date, the terms and conditions will change.In addition, there is credit document expiration date. If you do not close your loan on before this date you will need to satisfactorily update certain credit documents in order for the terms and conditions of this commitment letter to apply. If your rate and points have not been locked, the rate expiration date will be established once you elect to lock in your rate. You must lock in your rate at least five business days prior to loan closing.Please read the commitment letter and riders carefully, as they contain conditions that must be satisfied prior to your loan closing. It is incumbent upon you to make sure that we are in receipt of all items listed. These items must be reviewed and approved at least three (3) days prior to loan closing. Again we must emphasize that you cannot close your loan unless all these items have been satisfied.We have notified the closing attorney for [Bank Name] of this loan transaction.Arrangement and instructions for closing your loan should be obtained by contacting the [Bank Name] attorney named in your commitment letter. A loan closing can be scheduled shortly after all necessary documents have been received by [Bank Name].The [Bank Name] attorney will be able to provide you with specific information regarding the following:-Closing Date-Closing Location-Prepaid Interest and Escrow Funds-Co-op Lien Search Requirements-Survey Coverage Requirements-Insurance Requirements (Hazard/Flood/Condominium/Co-op)We encourage you to have your attorney contact the [Bank Name] closing attorney to review the requirements. This should help to ensure that your closing goes smoothly.Thank you for choosing [Bank Name] for your financing needs. We are delighted to have you as a client.What are sample closing conditions in NYC?Dear [Borrower],We have received today from [Bank Name] a copy of a commitment letter for a co-op loan and will represent [Bank Name] at the closing. Please be advised that we cannot schedule a closing unless we receive confirmation that the conditions required by [Bank Name], prior to closing, have been satisfied and the conditions required at closing will be obtainable and brought to the loan closing.Enclosed with this letter you will find three copies of Recognition Agreements. The Recognition Agreement must be delivered to and executed by an Officer of the Cooperative Corporation. The fully executed Recognition Agreement must be delivered to our office prior to loan closing or it must be brought to loan closing. We will be unable to close a co-op loan without the original executed Recognition Agreement with the corporate seal.Enclosed with this letter you will find a Uniform Commercial Code Authorization Form. This document must be signed by each person who will be on title and promptly returned to our office. This document is necessary for [Bank Name], to obtain a security interest in the cooperative. Upon our receipt and/or confirmation of certain information i.e. section/block/lot numbers of the building same will be inserted in the financing statement prior to filing. Please be sure to note that the executed Uniform Commercial Code Authorization Form and the check required by paragraph 3 below must be remitted to our attention at the time you accept your commitment letter to a assure a timely closing.To ensure that [Bank Name] has a proper security interest, a Cooperative search of the appropriate records will be conducted solely for [Bank Name]’s benefit. The search will be ordered by our firm and will be reviewed and approved by our office prior to loan closing. Payment of the lien search must be remitted to our office at the time you send back the UCC-1 Authorization form. The cost of the search is $275.00 and the filing fee for the UCC-1 is $100.00. Please remit a check for $375.00 made payable to [Name] for the lien search and the recording of the financing statement.Unless paid prior to loan closing, all charges and fees due to [Bank Name] must be paid from the loan proceeds. If you call our office the day before loan closing, we will advise you of the exact amount being deducted from loan proceeds.The commitment letter has two expiration dates; one is the Commitment Expiration and one is the Rate Lock Expiration. The loan must close and funds must be disbursed on or before the earlier of the Commitment Expiration or the Lock-In Expiration. In the event the loan is a refinance transaction and it is subject to the required three (3) business-day right of recission it must close four (4) business days prior to the expiration of any applicable rate lock agreement.Please note that a closing cannot be scheduled until the following items have been completed:– We have been advised by [Bank Name] that all commitment conditions have been satisfied.– The U.C.C. -1 financing statement has been filed.– The co-op search has been reviewed and approved– We have a copy of the proposed Stock Certificate and the first page of the Proprietary Lease. At closing, the original Stock Certificate and Proprietary Lease must be delivered to [Bank Name] Closing Attorney.– We must be in receipt prior to or at loan closing of a blanket insurance policy for the co-op evidencing sufficient dwelling coverage.[Bank Name] requires at least two (2) business days to schedule a loan closing.We are committed to providing you with the highest level of customer service. If you should have any questions please feel free to call us at [Phone Number].Content courtesy of https://www.hauseit.com/nyc-mortgage-commitment-letter-sample/Disclosure: Hauseit and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Oh just a few things the liars at the mainstream media won't bother to tell you about.To date, the administration of President Donald Trump has taken significant action on issues of concern to social conservatives -- life, family, and religious liberty:2017On January 23, President Trump reinstated and expanded the Mexico City Policy, which blocks funding for international organizations that perform or promote abortion. This new program is known as Protecting Life in Global Health Assistance (PLGHA), which now covers $8.8 billion in family planning and global health funds that go to organizations abroad (none of whom may perform or promote abortion).On February 22, the Department of Education, in conjunction with the Department of Justice (DOJ) rescinded President Obama's guidance that required public schools to allow transgender students to use the bathrooms and showers of their choice.On April 7, President Trump's nominee Neil Gorsuch was confirmed to the Supreme Court. Justice Gorsuch has already developed a reputation as an originalist who will rule the right way on religious liberty issues. Gorsuch is representative of President Trump's judicial nominees overall.On May 4, President Trump signed an Executive Order Promoting Free Speech and Religious Liberty (known as the "Religious Liberty Executive Order"), broadly setting forth religious liberty as a policy priority of the administration, and requiring all federal agencies to take action to protect it. The order also more specifically addressed conscience protections, forthcoming guidance from the DOJ, and religious liberty in the context of free speech.On August 25, President Trump announced changes to the Obama administration's Department of Defense (DOD) policy which had allowed military personnel to serve even if they openly self-identified as transgender. (A DOD study found the Obama administration's policy to be detrimental to military readiness, lethality, and unit cohesion.)On September 7, DOJ filed an amicus brief with the Supreme Court defending the religious freedom rights of baker Jack Phillips in Masterpiece Cakeshop v. Colorado Civil Rights Commission. This filing is representative of other actions defending religious freedom taking place throughout the Trump administration DOJ.On October 6, DOJ issued guidance and an implementing memo (as instructed by the Religious Liberty Executive Order) to all federal agencies explaining religious freedom law and how religious liberty must be protected. This guidance laid out a broad defense of religious liberty based on multiple statutes and provided each federal agency with guidelines for protecting religious liberty.Also on October 6, the Department of Health and Human Services (HHS) proposed two regulations to deal with the Obamacare "HHS contraceptive mandate" that had for years violated conscience and religious liberty. These new regulations exempt organizations that have moral or religious objections to purchasing insurance that includes coverage of contraceptives and abortion-causing drugs and devices.2018On January 16, DOJ filed an amicus brief with the District Court of Appeals for the District of Columbia on behalf of the Archdiocese of Washington, D.C. The Archdiocese had wanted to promote a religious message during the Christmas holiday but, had been denied advertising space within the District's public transit system.On January 18, DOJ filed an amicus brief with the Supreme Court in Espinoza v. Montana Department of Revenue defending the First Amendment rights of parents and students who attend a religious school, to participate in a private school scholarship program.On January 18, HHS announced a new Conscience and Religious Freedom Division within its Office of Civil Rights (OCR). This new division was established to enforce federal laws that protect conscience rights and religious freedom.On January 19, HHS issued a new proposed regulation on conscience protections related to abortion. Specifically, the regulation proposed to implement 25 laws that protect pro-life healthcare entities against discrimination by federal agencies -- or state or local governments receiving federal funds -- due to their objections to participating in abortion, sterilization, and other morally objectionable procedures.On January 24, Sam Brownback was confirmed as U.S. Ambassador-at-Large for International Religious Freedom. In choosing Brownback for this role, President Trump demonstrated the administration's commitment to religious freedom by choosing someone with gravitas and experience on the issue.On March 23, 2018, the White House and DOD issued a new policy allowing existing personnel to remain in the military while preventing those who have been diagnosed with "gender dysphoria" or had undergone gender transition surgery from joining the military. Those who are transgender and stable for 36 months could join so long as they serve in accordance with their biological sex.On April 26, Mike Pompeo was confirmed as Secretary of State. In choosing Pompeo for this position, President Trump chose someone who cares deeply about religious liberty and will make it a priority to see the issue advanced through this administration.On April 30, during a press conference with Nigeria's president, President Trump raised the issue of religious freedom and the killing of Christians in that country -- bringing attention to an issue that had largely been neglected by other government officials.On May 22, HHS issued a new proposed regulation reversing the Title X family planning regulations implemented by President Clinton. The proposed regulation would restore the separation of abortion services from the federal Title X family planning program, which President Reagan first implemented. The proposed regulation would also ensure parents are more involved in the decisions of minors to obtain services from Title X clinics. It reverses the discriminatory abortion referral requirement the Clinton regulations implemented and is poised to put a dent into Planned Parenthood's roughly $60 million annual revenues from the Title X program.On June 13, DOJ announced the Place to Worship Initiative, designed to increase enforcement and public awareness of the Religious Land Use and Institutionalized Persons Act (RLUPIA). This federal law protects places of worship and other religious uses of property. Through this initiative, federal prosecutors will receive training about legal protections for houses of worship.On July 24-26, the State Department held the first-ever Ministerial to Advance Religious Freedom. Political and civil society leaders from around the world gathered in Washington, D.C. for a three-day summit to discuss religious freedom issues and solutions. The Potomac Declaration, issued at the Ministerial, made a strong statement about the state of religious freedom around the globe and provided a plan of action for promoting global religious freedom. The U.S. also announced the International Religious Freedom Fund (to provide emergency assistance to victims of religiously motivated discrimination and abuse around the world) and the Genocide Recovery and Persecution Response Initiative (which has provided nearly $373 million to help persecuted ethnic and religious minorities in northern Iraq restore their communities). The U.S. was among 25 countries who signed a statement condemning terrorism and the abuse of religious believers by non-state actors.On July 30, DOJ announced a Religious Liberty Task Force to fully implement religious liberty guidance and policy across all components of the DOJ.On August 1, the Trump administration relied on Executive Order 13818 (which builds on Global Magnitsky Act authority) to sanction two Turkish officials over the detention of American pastor Andrew Brunson due to his Christian faith. This Executive Order ultimately resulted in Pastor Brunson's release.On September 24, HHS terminated a $15,900 contract with Advanced Bioscience Resources to procure fetal tissue from aborted babies for research. The termination of this contract led HHS to announce an audit of all acquisitions and research involving human fetal tissue to ensure consistency with statutes and regulations.On October 6, President Trump's nominee Brett Kavanaugh was confirmed to the Supreme Court. Kavanaugh is the second constitutional originalist the president saw confirmed to the Court.On November 7, HHS finalized its two regulations to protect conscience and religious liberty from long-running problems with the Obamacare "HHS contraceptive mandate." These two final regulations exempt organizations with either a moral or religious objection to purchasing insurance with coverage of contraceptives and abortion-causing drugs and devices. The regulations took effect on January 14, 2019.On November 9, HHS proposed a new regulation to address an abortion surcharge hidden in many plans purchased on the Obamacare exchange. This proposed regulation would enforce the requirement that abortion surcharges are to be collected separately from other insurance premiums. This requirement was not closely followed under the Obama administration, leading HHS to now more strictly enforce the separation of abortion payments from other payments.On December 26, DOJ filed an amicus brief with the Supreme Court defending a publicly-displayed cross-shaped veteran's memorial that had been challenged as a violation of the Establishment Clause. This position is representative of the Trump administration's originalist approach to the Constitution concerning First Amendment rights and other issues. Such an approach results in legal analysis that interprets the law rather than injecting policy preferences into it.2019On January 18, HHS notified California that its law requiring pregnancy resource centers to post notices about how to obtain an abortion violated the pro-life Weldon and Coates-Snowe Amendments. This marks the first time that the Conscience and Religious Freedom Division at HHS found a state in violation of these laws. This demonstrates the administration's commitment to enforcing conscience protections and its pro-life priorities.On January 19, at the request of 169 members of Congress and 49 senators, President Trump sent a letter to House Speaker Nancy Pelosi in which he promised to veto any legislation that weakens current pro-life Federal policies and laws. This letter was a message to the new Democrat majority in the House that longstanding pro-life protections like the Hyde Amendment and safeguards protecting the conscience rights of health care providers are not negotiable.On Februa ry 22, HHS announced final rule changes governing the Title X family planning program. Consistent with federal law, these rule changes ensured that Title X clinics would be financially and physically separate from abortion facilities and would not refer patients for abortions. Since the implementation of the rule, Planned Parenthood and several pro-abortion states voluntarily decided to withdraw from the program rather than quit performing abortions or referring patients for abortions.On March 8, U.S. Ambassador-at-Large for International Religious Freedom Sam Brownback criticized China's poor religious freedom record in a speech he delivered in Hong Kong.On April 12, the Trump administration's policy on military service by those with gender dysphoria went into effect. This policy will help halt the deterioration of military readiness, lethality, and unit cohesion caused by social experimentation in the military.On May 2, HHS announced a final rule to expand the structure in which federal conscience laws are enforced. In 2011, President Obama issued a rule that enforced only three federal conscience provisions. The new regulation under President Trump covers 25 existing statutes, which will be enforced by the new Conscience and Religious Freedom Division, part of the HHS OCR.On May 5, at the World Health Assembly, the Trump administration issued a joint statement on behalf of the United States and eight other nations calling on other countries to join an effort to focus on women's health issues that unify rather than create dissension among members (like abortion and sexual and reproductive health). This statement was the first action taken under the administration's new Protecting Life in Global Health Policy (PLGHP), which seeks to build a global coalition to promote women's health while also protecting unborn life and strengthening the family. This policy works in conjunction with the Protecting Life in Global Health Assistance (PLGHA) program, which restricts funding for organizations abroad that perform or promote abortion.On May 24, HHS proposed a new regulation that clarifies that discrimination on the basis of sex in section 1557 of the Affordable Care Act was to be interpreted under the plain meaning of the word. Therefore, it does not include "gender identity" or "termination of pregnancy" as set forth by a 2016 Obama administration regulation. The HHS regulation will continue to enforce existing civil rights protections; however, it makes clear that the federal government will not force physicians to participate in gender reassignment surgeries or abortions.On June 5, after an extensive audit into fetal tissue research, the Trump administration announced a major change in the enforcement of research contracts. HHS would no longer conduct intramural (internal) research using tissue from aborted babies and would greatly increase the ethics rules and safeguards that govern extramural (external) fetal tissue research contracts. All new external contracts will be subject to a congressionally authorized ethics advisory board, making it much more difficult for fetal tissue research contracts to be awarded by the National Institute of Health.On July 16-18, the State Department held the second Ministerial to Advance Religious Freedom. Secretary of State Mike Pompeo announced a new global initiative, the International Religious Freedom Alliance, meant to provide a way for like-minded countries to work together to advance religious freedom. FCC Chairman Ajit Pai gave a compelling speech condemning the use of technology to track and control the lives of religious minorities. The United States was among 14 signatory countries on a statement of concern about technology and religious freedom. The U.S. was also one of 34 countries that signed a statement of concern on counterterrorism as a pretext for the repression of religious freedom; one of 27 countries that signed a statement condemning blasphemy, apostasy, or other laws that restrict religious freedom; and was one of 46 countries that signed a statement that called upon government officials to condemn attacks on places of worship and to work with religious communities to protect these places. At this event, the State Department and USAID also announced new religious freedom training programs for foreign service officers.On July 16, the State Department placed targeted sanctions on Burmese military officials for their human rights and religious freedom violations committed against the Rohingya Muslim population.On July 18, Secretary of State Mike Pompeo and HHS Secretary Alex Azar issued a joint letter on International Partnerships that called states to join a coalition of countries that seek to advocate against pro-abortion policies at the World Health Organization and the United Nations (UN).In August 2019, DOJ filed amicus briefs with the Supreme Court in two important religious liberty cases, R.G. & G.R. Harris Funeral Homes, Inc. v. Equal Employment Opportunity Commission and Bostock v. Clayton County/Altitude Express, Inc. v. Zarda. Through these filings, DOJ advanced a biologically binary definition of sex and those who operate accordingly, whether because of science or religious belief.On August 15, the Department of Labor (DOL) proposed a new regulation that would clarify the scope and application of religious exemptions for federal contractors. Under the Obama administration, the scope of religious exemption at the DOL was severely narrowed. The current DOL relied on the history of our nation's preservation of religious liberty, the First Amendment, and Supreme Court decisions to re-invigorate the exemption to its historical and constitutional parameters.On August 28, the HHS OCR issued a notice of violation to the University of Vermont Medical Center for forcing a nurse to participate in an abortion despite a conscience objection. This marks the third time that the HHS Religious Freedom Division under President Trump has investigated a conscience complaint related to participating in or promoting abortion.On September 10, the State Department placed targeted sanctions on Russian officials for their religious freedom violations and torture of Jehovah's Witnesses.On September 23, President Trump hosted a meeting during the U.N. General Assembly and gave a speech solely on the topic of religious freedom. During the speech, he announced a U.S. policy initiative to protect places of worship, pledging an additional $25 million in funding to protect religious sites and relics. President Trump also announced the U.S. would form a coalition within the business community to protect religious freedom. This is the first time a U.S. president has hosted a meeting focused solely on religious freedom at the UN.On September 24, President Trump discussed the need to protect religious freedom during his UN General Assembly speech, in which he also discussed China and Iran -- two major violators of religious freedom.On September 25, HHS Secretary Alex Azar delivered a statement at the UN General Assembly stating that there is no international right to abortion, and that the U.S. does not support ambiguous terms like "sexual and reproductive health" in UN documents.On October 7, the Department of Commerce blacklisted 28 Chinese companies whose surveillance technology products are used to systematically oppress and control -- and violate the religious freedom -- of Uyghur Muslims in Xinjiang, China.On October 11, 2019, Attorney General Barr delivered a striking defense of religious liberty at Notre Dame Law School. He noted, "[t]he imperative of protecting religious freedom was not just a nod in the direction of piety. It reflects the Framers' belief that religion was indispensable to sustaining our free system of government." The Attorney General proceeded to remind the audience that religion gives us the "right rules to live by." Barr highlighted the recent attacks on religious liberty, and that the DOJ under his leadership has been fighting back and protecting religious liberty.On November 14, the U.S. government lead a statement on behalf of itself and 10 other countries at the Nairobi Summit, once again calling upon the international community to focus on areas of consensus instead of divisive issues like abortion and sexual and reproductive health.On November 19, HHS issued a rule removing burdensome requirements that all grantees, including those that are faith-based, must accept same-sex marriages and profess gender identity as valid in order to be eligible to participate in grant programs. This included the adoption and foster care space, where these requirements had been used to shut down faith-based providers of foster care and adoption.On November 27, President Trump signed the Hong Kong Human Rights and Democracy Act into law, which affirms Hong Kong's semi-autonomous status and protects against Chinese government encroachment, which is a threat to Hong Kong's religious freedom.On December 19, the Treasury Department sanctioned two Iranian judges responsible for human rights violations. One of the judges was known to violate the rights of Iran's Christian and Baha'i religious minority communitiesOn December 20, the center for Medicare & Medicaid Services (CMS) announced a final regulation to address the abortion surcharge hidden in many plans purchased on the Obamacare exchange. This final rule aligns federal regulations with section 1303 of the Affordable Care Act, ensuring that consumers know their health care plan covers abortion and that funding for abortion is kept separate from all other covered services.2020On January 16, HHS Secretary Alex Azar hosted 34 countries for a meeting on how to promote women's health and protect the lives of the unborn. This meeting followed an invitation sent by Secretary Azar and Secretary of State Mike Pompeo to 70 different countries inviting them to join a coalition to oppose international efforts to enshrine abortion as a human right.On January 16, the Departments of Education and Justice issued guidance on constitutionally protected prayer and religious expression in public elementary and secondary schools. This guidance ensures that prayer in schools is properly protected and not unconstitutionally prohibited or curtailed.On January 16, the White House Office of Management and Budget (OMB) sent a memo to the heads of executive departments and agencies providing guidance on Executive Order (EO) 13798 "Promoting Free Speech and Religious Liberty." In order to protect the ability of religious organizations to operate in the public square, this memo required the agencies to review the EO and publish policies on how they will comply.On January 17, nine federal agencies (the Departments of Agriculture, Education, Homeland Security, Veterans Affairs, Justice, Labor, Health and Human Services, and Housing and Urban Development, along with the U.S. Agency for International Development) proposed rules leveling the playing field for faith-based organizations wishing to participate in grant programs or become a contractor. The rules eliminated two requirements placed on faith-based organizations that were not placed on secular organizations.On January 22, the Centers for Medicare & Medicaid Services at HHS approved a family planning waiver for Texas to implement a state-run Medicaid program that excludes abortion providers like Planned Parenthood. This makes Texas the first state to receive Medicaid funding for a family planning program that does not include abortion providers.On January 24, President Trump became the first sitting president to give remarks in person at the annual March for Life in Washington, D.C. In his address he stated the eternal truth that every child is a sacred gift from God and reiterated his effort to defend the dignity and sanctity of every human life.Also on January 24, HHS Secretary Alex Azar announced live at Family Research Council's ProLifeCon event that HHS issued a notice of violation to California for violating the federal Weldon Amendment by mandating all health insurers provide coverage for abortion. California's abortion coverage mandate has deprived over 28,000 residents of plans that do not cover abortion. This marks the second time that HHS has issued a notice of violation to California for violating federal conscience laws and is the fourth enforcement action taken by the HHS OCR's Conscience and Religious Freedom Division.In February, the Trump administration filled the role of Special Adviser to the President on International Religious Freedom within the National Security Council. This role was authorized by the International Religious Freedom Act of 1998, but has remained unfilled for over 20 years since that law's enactment. President Trump is the first president to dedicate a full-time staffer to this role and fill it on a permanent basis.On February 4, during his State of the Union address, President Trump called on Congress to pass legislation that would ban late-term abortions. To highlight the need for this legislation, he invited special guest Ellie Schneider, who was born at just 21 weeks gestation.On February 5, Secretary of State Mike Pompeo launched the International Religious Freedom Alliance. The Alliance will unite government leaders from like-minded nations to strategize ways to promote religious freedom and protect religious minorities around the world.On February 25, OMB issued a Statement of Administrative Policy strongly supporting two pro-life bills being voted on in the U.S. Senate: the Pain-Capable Unborn Child Protection Act and the Born-Alive Abortion Survivors Protection Act. Had Congress passed these bills, the president's advisors would have recommended that he sign both into law.On March 24, DOJ filed a statement of interest in a case protecting women against men intruding on their sporting competitions. The statement made clear that athletic qualifications on the basis of "gender identity" were harmful to women's sports.On March 28, amid the coronavirus pandemic, HHS OCR issued a strong statement reminding health care entities of their obligation to treat persons with disabilities with the same dignity and worth as everyone else. OCR reiterated its duty to enforce current civil rights laws and has already worked with states like Alabama and Pennsylvania to remove discriminatory practices from their pandemic health plans.On April 2, U.S. Ambassador-at-Large for International Religious Freedom Sam Brownback held a special briefing. He called upon China, North Korea, Iran, and Russia to release their prisoners of conscience in light of the contagious coronavirus. Many of these prisoners were imprisoned for their religious faith.On April 3, after hearing from Family Research Council and other organizations, the Small Business Administration (SBA) issued a FAQ document confirming that churches and religious nonprofits are eligible for assistance like the Paycheck Protection Program (PPP) in the coronavirus relief legislation known as the CARES Act. These clarifying protections ensure organizations would not be discriminated against based on their religious affiliation and would not have to give up their religious freedom in order to participate in these programs. In addition, the administration used an affiliation rule to ensure that large abortion providers like Planned Parenthood would not be eligible for coronavirus relief in the CARES Act.On April 14, DOJ filed a statement of interest protecting the religious liberty of church-goers in Greenville, Mississippi. During the coronavirus pandemic, the city of Greenville banned all religious services, even those that were able to abide by social distancing standards with drive-in church services.On April 17, the Department of Homeland Security included "clergy for essential support" in its list of personnel and entities deemed "essential" for purposes of responding to the coronavirus. This designation allows clergy and pastors more freedom to continue to operate and serve those around them in need at this time.On April 27, Attorney General William Barr directed federal prosecutors to monitor and, if necessary, take action to correct state and local policies that discriminate against religious institutions and believers while battling the coronavirus pandemic.On May 3, DOJ filed a statement of interest supporting the religious freedom of Lighthouse Fellowship Church in Chincoteague Island, Virginia. After the church held a 16-person worship service on Palm Sunday (following strict social distancing protocols), a criminal citation and summons were issued against the pastor pursuant to Governor Ralph Northam's executive order which banned in-person religious services but allowed large gatherings for businesses like liquor stores and dry cleaners.As of May 12, the Trump administration has overseen the confirmation of 193 federal judges, including two Supreme Court justices and 51 federal appeals court judges. Counting seven other judicial confirmations for roles outside the federal court system, President Trump has confirmed 200 judges so far during his time in office. An overwhelming number of President Trump's judicial nominees have been constitutional originalists, who will interpret the law as written, rather than interpret it according to their personal policy preferences. As judges, these nominees will rule correctly on religious liberty and pro-life issues.On May 15, the DOL issued guidance implementing the administration's Religious Liberty Executive Order and the DOJ religious liberty guidance. The DOL guidance also cited tothe OMB memo from earlier this year which directed all grant-administering agencies to detail how they will protect religious liberty in the context of such grants, and included specific action steps to ensure that religious liberty is protected.On May 18, USAID Acting Administrator John Barsa sent a letter to the UN Secretary General advocating that the UN not push abortion during the coronavirus crisis. Barsa noted that abortion is not an "essential service," and there are many actual health needs at this time. Therefore, the United States, which stands with the international pro-life community under the Trump administration, does not look kindly on these efforts to promote abortion.Persevering in Political Engagement: Lessons from the Life of William Wilberforceby Worth Loving (July 29, 2020)The abolition of slavery. Women's suffrage. Civil rights for black Americans. None of these reforms happened quickly. They only came about through years of dedicated efforts from people who refused to give up, despite overwhelming