Irmo Middle School Wrestlers Capture Championships at SCYWA Elite Predator Challenge in Lugoff-Elgin

Irmo 7th Grader, Luke Sevilla, selected for the South Carolina State Team at 130 lbs.

 

Irmo Middle School Wrestling season begins on Tuesday, November 28, 2023, but, in preparation for the 2023/24 South Carolina High School League wrestling season, 1st year Head Coach, Tommy Sevilla, has had multiple Irmo Middle School Wrestlers competing in the aforementioned South Carolina Youth Wrestling League.

On Saturday, November 18, 2023, IMS wrestlers competed against the top youth wrestlers from throughout the State of South Carolina with the following results:

Ayden Floyd (8th Grade): Champion @ 150 lbs. 15u Rookie Bracket; 4th in the 15u Open Bracket

Caleb Casillas (7th Grade): Champion @ 125 lbs. 12U Rookie Bracket

Emmanuel Brown (7th Grade) 3rd Place @ 106 lbs. 12u Rookie Bracket

Kiernan Fenton (8th Grade) 4th Place @ 115 lbs. 15u Rookie Bracket

Luke Sevilla (7th Grade): Champion @ 125 lbs. 12u Open Bracket and Champion of the 12u Open Heavyweight Bracket

Luke Sevilla, a California transplant, was a Dual Champion in the Elite Predator Tournament and was also selected to compete for Team Palmetto; the South Carolina Youth State Wrestling team at “The Bear”. A NUWAY national elite level wrestling tournament. Sevilla will be wrestling for the South Carolina Duals Team at 130 lbs. and also two brackets in the individual tournament, wrestling for his 10th and 11th individual national wrestling titles of his 3-year wrestling career.

Irmo 8th Grader, Curtis Thompson, was unable to get matched up at 185 lbs. and did not wrestle.

Coach Sevilla’s 10-year-old daughter, Gracie Sevilla, a Nursery Road 5th Grader, was Champion of the 10u 100 lb. Girls Open Bracket.

Caleb Casillas – 12u 125 lb. Champion

Youth Sports LEGAL NEWS: Murrieta Superior Court Judge Denies Football Coach’s Petition for Restraining Order Against Parent of a Former Player

Murrieta Superior Court Judge Denies Football Coach’s Petition for Restraining Order Against Parent of a Former Player

Vista Murrieta High School Defensive Backs Coach, who is also Head Coach and Commissioner of the Murrieta Broncos Junior All-American Football Team and the Frat Boyz Club 7 on 7 Football Team, claims to have feared for his life and sought protection.

Temecula, California Jun 5, 2023 – On May 10, 2023, Christopher Lee Mercadal filed California Judicial Form CH-109 – a Notice of Court Hearing (Civil Harassment Prevention), accompanied by Judicial Form CH-110 – Temporary Restraining Order (see photos), in a Murrieta Superior Court, seeking to have Tommy Sevilla, a former friend, former Murrieta Junior All-American Football Associate Chapter AD and Deputy Commissioner of the Murrieta Broncos, banned from all “Southern California Junior All-American Football” fields and schools in the Murrieta area where the Defendant’s children participate in youth sports (Mercadal v Sevilla Case #: CVSW2302721 ).

Later in the week, Petitioner Mercadal had the Riverside County Sheriff serve Defendant Sevilla at his home. The Sheriff’s Deputy was obligated by law to have Sevilla surrender any and all firearms that he had in his possession in lieu of the May 11th Superior Court Hearing. Sevilla had no weapons to surrender, and Sevilla would later testify to the Court that he has never owned a firearm, nor has he been in possession of one, and that Mercadal was making false statements about gun possession to deceive the Court into granting his baseless Petition, especially as firearms have never been mentioned in any of their conversations.

Mercadal’s Petition to the Court also claimed that Sevilla was a Central American “gang member” (Sevilla is Mexican and Puerto Rican) who owned, had possession of, or had access to guns and fellow gang members that Mercadal feared could harm him. Mercadal further testified to the Court that Sevilla labeled him as a “child abuser” and was upset that Sevilla made these allegations against him to Kyle Jackson – President of the Murrieta Broncos Junior All-American Football team, the principles within the Southern California Junior All-American Football organization, as well as Vista Murrieta High School administrators and to Head Coach – Coley Candaele; former Head Coach Pederson and their athletic director – Carl Galloway.

The feud between the former friends and colleagues within the Murrieta Junior All-American Youth Football Organization and Frat Boyz team organization started when Sevilla wrote an email to Coach Mercadal as a parent and friend, touching on matters of concern that directly affected his family and his son; namely that Sevilla’s son was loyal to Merc, had chosen to skip a TrialNet Study for Type 1 Diabetes at Standford University in order to accommodate Mercadal’s request for Sevilla’s son to play up in age group with the 12u Frat Boyz team in a tournament whereby they would play the elite OG Ducks team on Sevilla’s son’s birthday no less. When Sevilla’s son, a very skilled athlete, would receive zero playing time in that game, Sevilla’s son was dejected and both were obviously miffed at the fact that all of the coach’s son’s, many of whom are not at the skill level of Sevilla, played in the game. Sevilla, in his email to Merc, pointed out these things and told Merc that the rivalries were not between the players, but rather between the coaches who get the huge trophy afterward and whose sons get the MVP trophies while the rest of the players don’t so much as get a bottle of water, according to Sevilla’s email to Merc (see attached), written in a non-threatening and even pleasant manner, ending it with an invitation to smoke cigars and drink whiskey. Mercadal’s violent and disrespectful response to Sevilla about his son would set the tone for the future marked by retaliation. First, based upon information and belief, Mercadal would immediately lobby to have Sevilla removed from the MJAAF Board, which he was, but Sevilla, also the League’s Webmaster, would never learn of such a move until it was time to log in to the website from which he was now suddenly blocked from accessing. Following these events, Sevilla and his family would be harassed and threatened by a colleague of Mercadal’s – youth football coach, Reginald Kemp, known as “Coach Kemp”, who would threaten in text messages to harm Sevilla’s kids and his wife, repeatedly telling Sevilla that he knew where his kids slept and where he lived. When Sevilla reached out to MJAAF President – Kyle Jackson and Mercadal about their colleague and to intervene – they took no action and effectively refused to protect their player. What would follow would be the incident where his son, after Sevilla pulled him from the Murrieta organizations and placed him with Menifee Wildcats and Relentless Premier Athletes, the violent hits to his son and grandson in touch 7 on 7 football and tackle scrimmages; hence the paper trail of complaints that Mercadal would be upset by and take legal action against, claiming that he now feared for his life after the allegations of harming Sevilla’s son and grandson. Sevilla never responded to Mercadal’s response, which also degraded Sevilla’s son and told Sevilla to “kiss [his] ass” and to take his son to one of the many other organizations in the area. Sevilla’s son was a key player and defensive and special team starter on Mercadal’s 2021/2022 Micro Division Super Bowl Championship team and was starting quarterback for Mercadal’s Frat Boyz 10u team.

During the Court Hearing, Mercadal claimed that Sevilla never sought an investigation into the allegations but in Sevilla’s response to the Court, Sevilla produced letters to the Court in evidence; letters to Mercadal’s superiors and testified at length to the contrary stating that he wrote in complaint, adhering to the chain of command, by first requesting investigation by Kyle Jackson of the Murrieta Broncos (MJAAF), then Southern California Junior All American Football (SCJAAF), and only Vista Murrieta High School and District Officials after those organizations failed to respond to his written complaints and requests for investigation, informing Murrieta Valley School District Officials of a “rogue” coach whose coaching style and violent culture will expose them to liability issues and potential lawsuit from him as they, in effect, sanction and endorse his behavior by allowing him and his organizations to identify with the high school “Broncos” and utilize their facilities, warning them that other kids can fall victim in the future. According to Sevilla’s correspondence with Vista Murrieta and Murrieta Valley officials, he admonished them for choosing to remain deliberately indifferent and negligent. Sevilla has yet to receive the results of any investigation into the alleged intentional targeting of his son and grandson from Vista Murrieta High School, MJAAF, SCJAAF, or the Frat Boyz.

At the Hearing, Mercadal, after seeing the voluminous response filed by Sevilla, would return to Court, after the recess, with defaming written statements from Sevilla’s ex-assistant baseball coaches of several seasons (Sevilla was Head Coach): Destrian Vallejo and George Uhila, both of whom were brought into the aforementioned Murrieta youth football organizations by Sevilla but the Judge would cut Mercadal’s introduction of his alleged new exhibits short and admonish him about the burden he carries to prove his allegations, rather than defame the Defendant, as well as proper discovery to the Defendant, who was previously unaware of such written letters and was not previously served with them. The Murrieta Judge further informed Mercadal that Sevilla had a right to make such complaints to his “employers”, as Mercadal referred to them as being, and that Sevilla’s response to Mercadal’s alleged actions was understandable in light of the context of physical injury to his child and grandchild and that he saw no evidence of Sevilla ever having engaged in gang activity or having any recent criminal legal troubles. The Judge would however, ask Sevilla point blank if he challenged Mercadal to a fight and Sevilla admitted to the Court that his statement to Mercadal, which Mercadal produced in Court relative to challenging Mercadal to settle the matters like grown men, were true, but promised to the Court that he would not beat Mercadal up for allegedly harming his son and grandson and that the aforementioned organizations should’ve been responsible in sanctioning Mercadal.

Petitioner Mercadal’s Petition was DENIED in its fullness and the previous Temporary Restraining Order Pending Hearing was VACATED.

Sevilla adds that he was approached after the Hearing by others present in the hallway, including his young son, who overheard an adult couple ask Mercadal if he had “won” his Hearing after he exited the Courtroom and to which Mercadal reply confidently, “I’ll get him next time,” while doing the Crip Walk.

Statement from Defendant Sevilla:

“Chris Mercadal or Coach Merc as he is known is a legend in his own mind and can now also be known as one who has made many false and unprovable allegations to the Superior Court of California to cause further injury to my child, grandchild, and family. Here he is, a grown-ass man who is known within the youth football community for his lack of class, inciteful behavior, and starting shit while hiding behind his coaches and parents – teaching his players to yell out ‘SQUUUUAAAADDD’, (i.e. hit squad) along with him, his coaches and parents after scores, violent hits and simply to incite and taunt the opposing teams. He is like a little Chihuahua who is all bark and no bite. He says things like ‘come catch a fade’; squats down and throws up signs like a gang member during his photo ops but runs to the authorities and his superiors when somebody real and who doesn’t play around calls his bluff. Apparently, he thought that he could hurt me by – based upon information and belief – causing serious physical injury to my then 11-year-old son and 13-year-old grandson, most recently.

What kind of man does that?

There are many labels to describe such a man, especially when it only happened when I wasn’t present as he knows better than to do that shit when I’m there! I had to hear about it from multiple parents, coaches, and team officials who – based upon information and belief – all believed that it was intentional and at the very least, unwarranted, classless, and illegal. To this very day and even in open Court, Merc has yet to deny the allegations and apologize to all affected but would rather double down and cause further damage with his many false allegations that he failed to prove in Court.

The dude is all about himself as a Coach and should fear every parent whose child is seriously injured by his team’s classless culture and disrespectful style of play. The best thing we ever did was take my son to the Menifee Wildcats and Relentless; those coaches and organizations have shown themselves to be the real deal and have valued my son’s play and leadership, with Coach Darris and Coach D being exceptionally involved and protective against Murrieta Broncos and Frat Boyz bullshit and gossip. Those dudes don’t play either.

For God’s sake, my grandson was clotheslined in a touch football game by Merc’s Frat Boyz team and he and his coaches, parents, and players celebrated the hit and a near riot ensued while he hid behind his coaches and parents as usual.

My son? Merc’s players – my son’s former teammates – called him a ‘traitor’ at JAAF Weight Certification, and he and his coaches were heard by our Menifee coaches and parents all telling their players to ‘get violent’ – according to their statements – before they took my quarterback son out at his knees well after the whistle.

Shame on Celeste Scallion, Vista Murrieta Principal and Coach Pederson, and Candaele and his staff, along with Kyle Jackson of MJAAF, for not taking the matter seriously and not even investigating and responding to me with the results of the investigation. To this very day, I have yet to receive a response from his superiors on my request for investigation, but rather, they have chosen to coddle the one alleged to have acted inappropriately and illegally. They share in Merc’s responsibility, and in Court, I will hold them accountable for their liability in these matters.

Any coach who coaches with or for him and any parent who allows their kid to play for such a guy needs a character check.

The awesome part about all of this and evidential of my son’s character is that he never once complained or raised these issues, however, it greatly affected him emotionally as we as parents could readily see. It was the principals within the organizations, video evidence, and other parents who confirmed Merc’s alleged behavior and that of his players when I wasn’t present and out on business or with my son for the California State Wrestling Championships. he’s a fiercely loyal kid who never complains and can sure as hell handle himself. My follow-up to all of this shameful behavior – as a coach myself for more than 41 years – is to protect other kids and to warn those in the authority of one who doesn’t belong in the coaching ranks or among kids. Hell, Merc has failed to acknowledge my son personally at the subsequent football games and especially in Court where he acted pridefully and arrogantly. At least my son sees now what that dude is all about.”

Sevilla’s son would suffer total pancreatic failure – Type 1 Diabetes – during this timeline of events and season. However, he continues to excel in sports (wrestling, boxing, basketball, baseball, and football) and set an example for others while Insulin-dependent.

The Court transcripts and case information may be accessed here: Media Information (ca.gov)

 

 

 

Media Contact

So Cal Local Sports Media
*****@socallocalsportsmedia.com
https://SoCalLocalSportsMedia.com

Categories : Family , Legal , Lifestyle , Society , Sports
Tags : chris mercadal , vista murrieta football , coley candaele , kyle jackson , murrieta broncos , frat boyz , southern california junior all american football , murrieta junior all american football , coach merc , mercadal defensive backs coach

ROOM101 DELIVERS THE GOODS WITH BIG PAYBACK REDUX

ROOM101 DELIVERS THE GOODS WITH BIG PAYBACK REDUX

Room101 is bringing back the Big Payback in a big way with the highly-anticipated return of the line’s 70-ring gauge option. The format has been out of production since 2016.

The Payback brand was created by Matt Booth to repay consumers for their years of support with a premium offering at a monster value price point.

Matt Booth said, “It has been my life’s mission to produce a combustible vessel so engorged and far more magnificent than its standard counterpart in cylindrical presentation, and it’s my greatest honor to offer our people such a product that overflows with both girth and grandeur.”

Room101 Big Payback 70s are handcrafted in Honduras at HATSA and are, according to Booth, “engorged with premium tobaccos reaching a diameter that only you can handle with a price point that won’t handle you.”

Big Payback 70s are made with a blend of Nicaraguan, Honduran and Dominican filler tobaccos, a US-grown Connecticut Broadleaf binder and are wrapped in Honduran Olancho San Agustin. The cigar is medium plus-body, with spice notes, a great retrohale and a clean finish.

Room101 Big Payback 70 measures 7”x 70 and will sell for an SRP of $8.99 per cigar. The hefty smokes are double-banded, come in boxes of 30 and will be a full-time addition to the Big Payback line.

 

Room101 Big Payback is distributed by Forged Cigar Company and will ship to retailers on June 1.

CFPB Action to Require Citizens Bank to Pay $9 Million Penalty for Unlawful Credit Card Servicing

FOR IMMEDIATE RELEASE:
May 23, 2023

CONTACT:
Office of Public Affairs
press@cfpb.gov

CFPB Action to Require Citizens Bank to Pay $9 Million Penalty for Unlawful Credit Card Servicing

Citizens failed to properly manage and respond to customers’ credit card disputes and fraud claims

WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB) reached a settlement to resolve allegations that Citizens Bank violated consumer financial protection laws and rules that protect individuals when they dispute credit card transactions. The CFPB alleges that Citizens Bank failed to properly manage and respond to customers’ credit card disputes and fraud claims. If entered by the court, the order, among other things, would require Citizens Bank to pay a $9 million civil money penalty.

“Federal law provides important rights to credit cardholders when disputing transactions and resolving billing errors,” said CFPB Director Rohit Chopra. “As outstanding credit card debt approaches $1 trillion, the CFPB will be closely watching the conduct of the credit card industry.”

Citizens Bank is a large bank headquartered in Providence, Rhode Island, with branches and ATMs in 14 states and the District of Columbia. Citizens Bank is a subsidiary of Citizens Financial Group (NYSE:CFG), which reported $222 billion in assets as of March 31, 2023, and is one of the 15 largest consumer banks in the country. The CFPB originally sued Citizens Bank in January 2020.

Federal law protects individuals from credit card billing errors and fraud. The Truth in Lending Act and the rules that implement it lay out specific steps that individuals must take to report credit card disputes and fraud claims. If a person reports a billing error or fraud, the credit card issuer is required to investigate the allegations, send certain notifications to the individual, and, when claims are valid, refund the error or fraud amount.

In the 2020 lawsuit, the CFPB alleges that Citizens Bank violated the Truth in Lending Act and its implementing Regulation Z by:

  • Improperly denying customer reports of fraud and errors and failing to provide refunds: The bank failed to reasonably investigate and resolve billing error notices and claims of unauthorized use by making customers jump through unnecessary and burdensome hoops, which are not required under the Truth in Lending Act, to report fraud. The bank also failed to fully credit customers’ accounts when unauthorized use and billing errors occurred by sometimes not refunding all finance charges or fees owed to customers.
  • Failing to provide required documents and referrals: The bank did not provide certain individuals who submitted billing error notices with required acknowledgment and denial notices, which inform them that their disputes have been received and, if applicable to a person’s case, that the dispute was denied. The bank also did not disclose required credit counseling information to individuals who called the bank’s toll-free number designated for that purpose, and instead routed some individuals to the bank’s collections department.

Enforcement Action

Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws. If entered by the court, the stipulated judgment and order would require Citizens Bank to:

  • Fix its credit card practices: Citizens Bank must ensure that the treatment, handling, and resolution of billing error notices and unauthorized use claims comply with the law, including prohibiting its employees from requiring customers to provide a fraud affidavit signed under penalty of perjury in support of a credit card claim. The bank must also ensure that it refunds any fees or other amounts, calculated from the date of the error or unauthorized use, in response to valid billing error notices and unauthorized use claims.
  • Pay a $9 million fine: The bank will pay a $9 million penalty to the CFPB’s victims relief fund.

Read today’s proposed stipulated judgment and order.

Learn more about the CFPB’s credit card resources.

Learn more about frauds and scams.

Consumers can submit complaints about credit card servicing and other financial products and services by visiting the CFPB’s website or by calling (855) 411-CFPB (2372).

Employees who believe their companies have violated federal consumer financial protection laws, including the Truth in Lending Act, are encouraged to send information about what they know to whistleblower@cfpb.gov. To learn more about reporting potential industry misconduct, visit the CFPB’s website.

###

The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit consumerfinance.gov.

CFPB Enhances Tool to Promote Competition and Comparison Shopping in Credit Card Market

CFPB-Logo
FOR IMMEDIATE RELEASE:
March 21, 2023

CONTACT:
Office of Public Affairs
press@cfpb.gov

CFPB Enhances Tool to Promote Competition and Comparison Shopping in Credit Card Market

Price transparency will help families find better credit card deals in a time of rising interest rates
WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB) launched an improved survey of credit card issuers that can help consumers and families compare interest rates and other features when shopping for a new credit card. Americans pay $120 billion in credit card interest and fees each year, which contributes to the almost trillion dollars in nationwide household credit card debt. In the current high-rate environment, it is important for Americans to be able to be able to accurately compare products. Upgrades to the CFPB’s terms of credit card plans survey are designed to increase price competition in the credit card market by allowing people to comparison shop for the best prices and products. The survey will also help smaller credit card issuers, who often offer the lowest rates, reach comparison shoppers.

“Given the rise in interest rates, the CFPB has modernized how it collects credit card data to spur competition and help families use products with lower rates and fees,” said CFPB Director Rohit Chopra. “These improvements will also give smaller relationship banks that offer better terms and better service another way to compete against the dominant credit card companies.”

The improvements to the CFPB’s semiannual terms of credit card plans survey are intended to create a neutral data source to help consumers find the best interest rates and products. Currently, consumers can run into many obstacles when shopping for credit cards, including that many big issuers make it difficult for consumers to estimate the interest rate they will pay. The data from the survey also can power digital tools and websites that people can use to find the best products for them, regardless of company size or marketing budget.

For the terms of credit card plans survey, the CFPB collects and makes public the product data on credit cards from the largest 25 issuers and from a sample of at least 125 additional issuers. The goal of the refreshed survey is to provide people with more realistic and practical information to use when comparison shopping for a credit card. The survey will also expand the number of issuers included. Specifically, financial institutions that are not part of the top 25 nor are part of the 125 sampled issuers will be able to voluntarily submit information about their credit card products.

Beginning this week, credit card issuers will start reporting more details on the types of credit card plans they offer. The refresh of the CFPB’s terms of credit card plans survey includes updates that will help consumers easily identify:

Lower interest rates: With credit card interest rates rising above 20% in 2023, even small percentage changes can have outsized effects on household finances. While financial institutions with relationship banking models often offer lower credit card interest rates, they can also struggle to compete with larger issuers. The changes to the CFPB’s survey will provide them the opportunity to share more information to consumers about their credit card offerings and allow them to compete with bigger players.
Realistic interest rates: The survey will ask additional questions about a credit card’s annual percentage rate (APR). If a card’s APR varies by credit score, issuers will need to report the minimum and maximum APR offered, as well as the median APR offered by certain credit score tiers. People often have a general idea of their credit scores, so seeing the median APR for their range will allow them to better compare APRs across products and estimate the potential cost of borrowing before they apply.
Credit card products that best fit their needs: The top 25 credit card issuers will have to answer questions for all their credit cards instead of just their most popular products. All other institutions will be able to voluntarily submit information about multiple products. Questions will also expand the amount of information gathered about each card. For example, there is a new question on whether the product is a secured card or requires a deposit for account opening. There are also questions about promotional terms of balance transfers, introductory rates, and cash advances.
The Fair Credit and Charge Card Disclosure Act of 1988 requires the semi-annual collection of data from the largest 25 issuers of credit cards and at least 125 additional institutions in a manner that ensures equitable geographic distribution within the sample and representation of a wide spectrum of institutions. The results of the semiannual terms of credit card plans survey are a key tool to facilitate credit card shopping by consumers and to enhance competition.

For more information on the survey, visit the terms of credit card plans survey website.

Consumers can submit complaints about financial products or services by visiting the CFPB’s website or by calling (855) 411-CFPB (2372).

###

The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit consumerfinance.gov.

Punch Knuckle Buster Habano to Welcome a Chubby Little Smoke

Punch Knuckle Buster Habano to Welcome a Chubby Little Smoke

Punch Knuckle Buster Habano Stubby. It’s not the name of a pro wrestler but now that we think of it, that could work. So if you’re considering a career change and are cool with rolling around in spandex, go for it.

Punch Knuckle Buster Habano, the bold, wallet-friendly collection that debuted in March 2020, is adding a short gordo to its lineup.
“Punch Knuckle Buster Habano Stubby packs a punch…or more like a jab. The Stubby delivers what fans loved about Knuckle Buster Habano in a new ‘stubby” size. And since we mentioned wrestling, Knuckle Buster Habano Stubby is like the Iron Shiek’s Camel Clutch – it’s bold, it’s complex and it wraps up at just the right time,” said John Hakim, brand manager for Punch.

Handcrafted at HATSA in Honduras, Punch Knuckle Buster Habano Stubby is a short, fat cigar made with all Habano-seed tobaccos from Nicaragua and Honduras to deliver balanced strength and complexity. Knuckle Buster Habano Stubby has a Nicaraguan Habano wrapper, a Nicaraguan Habano binder and its filler tobaccos are from Nicaragua and Honduras. Hints of earth, leather, cedar and nuts give the blend a universal appeal in a time-saving, compact vitola.

Punch Knuckle Buster Habano Stubby (4.5” x 60) will ship in early April and will sell for an unbeatable (see what we did there!) SRP of just $5.39 per cigar. The smokes come in boxes of 20.

About Punch Knuckle Buster

Named for a phrase made famous by a university basketball coach who described a rough and tumble physical game as a “Blue Collar Knuckle Buster,” the Punch Knuckle Buster Habano line was created in 2020 to deliver a hardworking cigar for hard working people. The line was extended in 2022 to add the Knuckle Buster Maduro.

2022 HMDA Data on Mortgage Lending Now Available

FOR IMMEDIATE RELEASE:
March 20, 2023

CONTACT:
Office of Public Affairs
press@cfpb.gov

2022 HMDA Data on Mortgage Lending Now Available

WASHINGTON, D.C. — The Home Mortgage Disclosure Act (HMDA) Modified Loan Application Register (LAR) data for 2022 are now available on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA Platform for approximately 4,394 HMDA filers. The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy.

To increase public accessibility, the annual loan-level LAR data for each HMDA filer are now available online. Previously, users could obtain LAR data only by making requests to specific institutions for their annual data. To allow for easier public access to all LAR data, the Consumer Financial Protection Bureau’s (CFPB) 2015 HMDA rule made the data for each HMDA filer available electronically on the FFIEC’s HMDA Platform. This year, in addition to institution-specific modified LAR files, users can download one combined file that contains all institutions’ modified LAR data.

Later this year, the 2022 HMDA data will be available in other forms to provide users insights into the data. These forms will include a nationwide loan-level dataset with all publicly available data for all HMDA reporters; aggregate and disclosure reports with summary information by geography and lender; and access to the 2022 data through the HMDA Data Browser to allow users to create custom datasets, reports, and data maps. The CFPB will later also publish a Data Point article highlighting key trends in the annual data.

HMDA users may find the CFPB’s Beginner’s Guide to Accessing and Using HMDA Data useful for background on HMDA and tech tips for understanding and analyzing the data.

The 2022 HMDA Loan Application Register data can be found on the FFIEC’s HMDA platform: https://ffiec.cfpb.gov/data-publication/modified-lar.

###

The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit consumerfinance.gov.

Punch Knuckle Buster Habano to Welcome a Chubby Little Smoke

Punch Knuckle Buster Habano to Welcome a Chubby Little Smoke

Punch Knuckle Buster Habano Stubby. It’s not the name of a pro wrestler but now that we
think of it, that could work. So if you’re considering a career change and are cool with rolling
around in spandex, go for it.

Punch Knuckle Buster Habano, the bold, wallet-friendly collection that debuted in March 2020,
is adding a short gordo to its lineup.

“Punch Knuckle Buster Habano Stubby packs a punch…or more like a jab. The Stubby delivers
what fans loved about Knuckle Buster Habano in a new ‘stubby” size. And since we mentioned
wrestling, Knuckle Buster Habano Stubby is like the Iron Shiek’s Camel Clutch – it’s bold, it’s
complex and it wraps up at just the right time,” said John Hakim, brand manager for Punch.
Handcrafted at HATSA in Honduras, Punch Knuckle Buster Habano Stubby is a short, fat cigar
made with all Habano-seed tobaccos from Nicaragua and Honduras to deliver balanced strength
and complexity. Knuckle Buster Habano Stubby has a Nicaraguan Habano wrapper, a
Nicaraguan Habano binder and its filler tobaccos are from Nicaragua and Honduras. Hints of
earth, leather, cedar and nuts give the blend a universal appeal in a time-saving, compact
vitola.

Punch Knuckle Buster Habano Stubby (4.5” x 60) will ship in early April and will sell for an
unbeatable (see what we did there!) SRP of just $5.39 per cigar. The smokes come in boxes of
20.

About Punch Knuckle Buster

Named for a phrase made famous by a university basketball coach who described a rough and
tumble physical game as a “Blue Collar Knuckle Buster,” the Punch Knuckle Buster Habano line
was created in 2020 to deliver a hardworking cigar for hard working people. The line was
extended in 2022 to add the Knuckle Buster Maduro.

El Septimo Cigar Review by The Curiosity Project: The RAPHAEL & MICHELANGELO

VOLUME II | MARCH 2023

El Septimo Cigar Review by The Curiosity Project

The RAPHAEL & MICHELANGELO

The Raphael is one hell of a follow up to the Da Vinci, my second Sacred Arts experience and what an experience it was.

As I previously explained, the presentation of these smokes are indeed a step above everyone else, exuding class and luxury without stepping in to the world of novelty and tastelessness.

The aroma of the El Septimo Raphael is rich and enticing, with notes of cedar, leather, and spice that are sure to whet the appetite of any cigar connoisseur. And when lit, the cigar delivers on its promise of a complex and nuanced smoking experience.

Length: 6″

Ring: 50 Ø

THE RAPHAEL

Length: 5 1/2″

Ring: 50 Ø

THE MICHELANGELO

VISIT OUR WEBSITE
(818) 703-9600

Top Quality Artificial Grass Turf for $2.45 a Square Foot!* Landscapers & Contractors Welcome! never water…always green Buy Direct and Save!

Top Quality Artificial Grass Turf for $2.45 a Square Foot!*

Landscapers & Contractors Welcome!

never water…always green

 

www.GrassyTurf.net

Best Deals on Artificial Turf in California, United States for Landscape Companies and Homeowners – Buy Artificial Turf – Bermuda Turf – Commercial Quality Turf – Artificial Turf Sales and Installation in Southern California – Buy Artificial Turf Installation Accessories Online – Deals for Commercal Landscapers – GrassyTurf – Never Water – Always Green