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Recent Editions
North America
Human Times
Real income growth has slowed to near-decade lows, with young people being hit the hardest, according to a report from JPMorgan Chase Institute. George Eckerd, research director at the institute and a co-author of the report, told the Financial Times: “We’re looking at a level of year-on-year growth that’s actually similar to [the 2010s] when the labor market was a lot weaker and the unemployment rate was higher.”
Full Issue
UK
Human Times
The House of Lords has resisted reforms to the Employment Rights Bill, resulting in multiple defeats for the government. Peers inflicted defeats on zero-hours contracts, unfair dismissal claims from day one, industrial action ballot thresholds and union members paying a political levy. Moving the zero hours amendment, Lib Dem Lord Fox said: "We share ministers' aims on making sure that every employee has the right to guaranteed hours moving from zero-hours, guaranteed hours." But he added: "For the smaller and medium-sized employer it is an added burden that doesn't need to be there if the employee does not wish to leave zero hours."
Full Issue
USA
Education Slice
Defending Education, alongside over twenty parental rights organizations, has urged all fifty states and Washington, D.C., to conduct comprehensive audits of K-12 education laws and policies. The letter highlights concerns regarding diversity, equity, and inclusion (DEI) practices, poor hiring protocols, and discrimination based on sex and gender. Erika Sanzi, senior director of communications at Defending Education, stated: "It has become common practice for states to violate federal law in the name of diversity." The letter emphasizes the need to eliminate race and sex-based preferences in hiring and programming, which violate the Civil Rights Act. Additionally, the letter addresses the alarming trend of teachers accused of sexual abuse being transferred between districts without accountability. Sarah Parshall Perry, vice president and legal fellow at Defending Education, noted that many state laws conflict with federal anti-discrimination provisions, inviting federal scrutiny. The organization calls for "legal housekeeping" to ensure compliance with federal civil rights law and to protect students and families.
Full Issue
USA
Accountancy Slice
The IRS has reported a slight decrease in the number of refunds issued for the 2025 tax season, totaling 102,122,000 compared to 103,185,000 in 2024. However, the average refund increased by 1.6% to $3,052. The agency processed 163,024,000 returns, marking a 1.1% rise from the previous year. The IRS noted, "We have received 163,594,000 2025 returns," reflecting a 1.3% increase over 2024. Additionally, the IRS has phased out paper refund checks, with 93,196,000 direct deposit refunds issued this season.
Full Issue
Scotland
Legal Matters Scotland
Scotland's courts are facing a significant backlog, with projections indicating over 2,400 scheduled High Court trials by March 2030. Malcolm Graham, chief executive of the Scottish Courts and Tribunals Service (SCTS), has highlighted that the average wait for a trial could increase from 42 weeks in 2025 to 136 weeks by 2030. He has warned that additional courts and investment will be needed to alleviate the pressures. Mr Graham said: "Every case that comes into the system is somebody that's waiting for justice, and in the High Court, it is victims of the most serious crimes that have impacted significantly on peoples' lives." he added: "The impact of delays and the uncertainty of that on people is huge, and that's uppermost in my thoughts in terms of why we need to prioritise this part of the system."
Full Issue
North America
Legal Slice
The 4th U.S. Circuit Court of Appeals has overturned a landmark decision in West Virginia that had rejected attempts by a region to be compensated by U.S. drug distributors for a local influx of prescription pain pills. The court in Richmond ruled that a lower court judge had erred when he said the state’s public nuisance law did not apply to the lawsuit involving the distribution of opioids. “West Virginia law permits abatement of a public nuisance to include a requirement that a defendant pay money to fund efforts to eliminate the resulting harm to the public,” the 4th Circuit wrote. “West Virginia has long characterized abatement as an equitable remedy.”
Full Issue
Europe
Risk Channel
French lender BNP Paribas has taken a €190m hit from a fraud case related to receivables financing involving an unidentified client, as increased provisions against soured loans overshadowed third-quarter results. The Financial Times wonders what happens if fraud becomes an endemic part of the banking system. Regional US banks Zions and Western Alliance have also recently identified fraud.
Full Issue
North America
CFO Slice
The Federal Reserve is expected to lower interest rates again on Wednesday, despite limited economic data due to a government shutdown. The shutdown has delayed the release of critical economic indicators, complicating the Fed's decision-making process. Today's expected move comes as the central bank navigates a complex economic landscape under the Trump administration, with the lack of comprehensive data adding uncertainty to it policy path. “The lack of official government sector data is a big impediment to having a clear take on where the economy is,” observed Seth Carpenter, a former Fed economist who is now at Morgan Stanley.
Full Issue