Adverse Action: Question from a Reader

A practitioner asks, what should go into an adverse action letter, more or less? The author provides his take on approaching the development of adverse actions from an advocate’s viewpoint and why it’s critical to remember that the people engaged in the process can be influenced by high quality work.

A Visit to America’s Future

What is a VAT and how would it impact Americans? A VAT is a common tax in Europe and it would raise the price of just about everything we buy. The author explains how such a tax impacts everyday life in Europe after seeing how it works in practice.