So with the new regime executive order declaring it essentially illegal to be unhoused, people at risk might be thinking, “how do they classify me as homeless if I am surfing between friends or family or shelters?”
One of the big answers to this is the practice of debanking. If your financial institutions catch wind that you don’t have a stable address, they will try to close your accounts and send your balance as a cashier’s check to your last legal address. At-risk people understand the many, many scenarios where even just this process could be devastating.
Some unexpected ways you can get de-banked:
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your apartment doesn’t have a legal address
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you lose home owner’s insurance or your coverage changes and your bank decides it doesn’t like that
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your building’s owner defaults
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fire
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flood
You may be at risk and just now realizing it. If you have an MH diagnosis and you don’t have two back-up legal addresses, you are on this Ex O.
Anyway, do not get debanked. Have legal address back-up plans EVEN IF YOU TRY TO FLEE THE COUNTRY because you do not want the regime classifying you as someone they want to put in the camps.
Sorry for another US-centric post.
Sharing info about de-banking is cool but lets try to keep the FUD out of it. What the so-called “ENDING CRIME AND DISORDER ON AMERICA’S STREETS” order says regarding this seems mostly contained in Sec. 3, which basically threatens to pull housing and urban development funds from states that don’t meet the administrations crazy rules.
. I also see nothing to validate your claim that folks with a mental health diagnosis need three addresses (two back-up addresses implies the existence of a third main address).Why are you carrying water for fascists?
Because actual facts matter. You can’t fight a fantasy. You have to fight the actual laws/orders/etc as they are, not what you imagined them to be in your head. Just because one side doesn’t follow logic doesn’t mean you get to disregard it too.
If facts mattered we wouldn’t be in the midst of a fascist government run by a demented pedo with full support from SCOTUS to ignore the Constitution, so I am going to tell you this plainly so maybe even you understand:
NO FACTS DO NOT MATTER COMPARED TO PUBLIC PERCEPTION SO FUCKING GET OUT OF THE WAY
Do you want this nightmare of authoritarian overreach to end quickly?
Then Shut The Fuck Up and stop doing the enemy’s work for them
Unless you enjoy being a traitor, that is. I mean you do you
Cool. So you’re gonna fight made up things with more made up things and no one’s gonna believe you because, well, you’re a liar. Also love the all caps. So scary. Really terrified me over here. Hey, isn’t that how fascists get their way? By yelling and fear and intimidation? Oh wow, it’s like you’re becoming what you hate. Huh. How strange. It’s almost like there are people warning you not to become the monster you fight and here you are putting on fangs and fur…
You’re a tool 😂
Fascists have only stepped down from power twice in all of human history without bloodshed
Where exactly do you think this entire thing is going? They are disappearing citizens with no due process. They have already built the concentration camps and have bragged about the inhumane treatment they will dish out there
Do you really think this is just another ‘rough repugnican cycle that we’ll get back in office and start to clean up’ like the last 4 times because that’s NOT the FUCK what’s happening here and anyone who had family escape from the old USSR knows EXACTLY what is going on right now
We are gearing up for civil war and a ton of innocent people are going to die and here you are spending all of your energy cherry picking arguments for the fascists.
And now that I’ve laid it all out clear as day to you, if you persist in your dangerous ignorance I will have no other option but to consider you an intellectually dishonest forum slider at best, and a legitimate traitor at worst.
He’s not? The EO is theater, nothing changed but that. Nobody homeless is copping federal charges anyways unless they assault feds. The OP is also sensationalizing things, you can use a valid address and say you receive a bill at it to claim residence aka not homeless (even if you functionally are). I see it all the time. Often people stop paper bills and use electronic stuff as proof of residency.
so fucking tired of all the sanewashing here, I thought I blocked your instance weeks ago…
Name checks out.
I don’t know what that saying means, but I hate the Trump administration I promise. I hate FUD too though. More FUD = less energy to spend on the actual battles that need to be fought. I have my own mental health diagnosis and currently live in my parent’s spare property so what OP said would personally impact me if true. I can’t find where it’s stated though.
/r/notatrumper material right there, plus randonumbername. I am so fucking tired of this game.
I didn’t ask for your life story I asked why you are sanewashing the weaponization of homelessness
Certain addresses get flagged in bank and verification systems over time that are shared addresses among many people. Places where someone can get mail without a permanent legal address is one example. Shelters, general delivery at the post office, etc. So much of the concept of your identity is tied to your legal address. Courts can use this too and claim they can’t find someone then issue default judgements against them. Meanwhile, so many places are heavily monitored because they have turned into police states, it is not usually in question for the goverment who someone is and where they are located. The post office should provide long term PO boxes for unhoused people for free and these should be accepted as legal addresses. But often, you’ll find a PO Box isnt accepted.
According to the sources in the Wikipedia article, in the US at least, the term de-banking wasn’t even in popular use until some right-wing nutjobs started claiming that the government was using it to shut down conservative “tech” companies, and then latched onto by people like Joe Rogan and Elon Musk to scam people into replacing their bank accounts with crypto currency.
I’m completely anti-crypto but that’s not the topic.
This is a warning about an angle of attack against people. I’m not advocating a product. My suggestions are to make sure you have trustworthy, legal access to multiple addresses should your housing become unstable, and to have diversified access to real banking services through both traditional banks and credit unions.
I’m in the United States so I read the sections relevant to the United States. I’m just trying to find where this claim of people with a mental health diagnosis needing multiple addresses due to the new EO comes in. That would impact me personally.
It isn’t a “claim that you need multiple addresses.” Think critically about the problem. A person who has MH diagnosis or addiction diagnosis, and is also at risk of de-banking due to address instability needs to have a legal address they can prove access to. Proving you reside at an address is how you stop the process of de-banking. For people who are housing unstable, it is wise to have backup plans including two addresses.
Oh I see, I was panicking a bit because I thought you were stating that it was a part of the EO and I couldn’t find any references to support it. I don’t really have a backup address since I live with my parents at the moment (dealing with said MH diagnosis). Thank you for taking the time to respond OP.
Seems like a good time to start planning out that backup address, since you’re housed and safe right now (I assume.) Hope your luck is better than mine, but much of this information I gained from the experience of resorting to backup-backup-backup plans. Good place to start is figuring out the cheapest place you could get a monthly lease in the areas you are familiar with. One of my friends just happened to have that info handy when I almost became homeless a few years ago, and being able to very quickly act on that info ended up saving me a few rough weeks.
Sounds like a rough spot, I’m glad things worked out for you.
Damn! Yall really are fucked. I really do feel for you. Hope this shit doesn’t catch
I feel like I’m becoming jaded because any time I hear about some new shit that hurts poor people in this country I find myself wondering how many of these people voted for Trump in the first place. I get being desperate and feeling like some kind of change is needed… The first time. But we had a chance to see it was all bluster and bullshit already and still voted for this government. I know it’s a bad mindset but a lot of this stuff is hurting groups of people where the majority voted for Trump and I’m having trouble feeling sorry for them.
Propaganda efforts large than we can imagine operating for decades. How has the rural poor identity morphed from union men and worker solidarity to backing military and police? It got too dangerous and they stomped it out with myths of foreign adversaries. I’m of the mind that we need to reach across political lines to overcome this, we can’t allow them to split the country evenly in half or we’ll be in a deadlock forever that just lets them do what they want. It can seem herculean but there are shades of it when a CEO is killed on the streets or a bunch of politicians work together to protect pedophiles; political identity fades and it becomes more obvious that it’s us against them
Also a lot of the most disenfranchised are kept from voting at all. Either they have to work, polling place is too far away and they don’t have a car, polling place getting changed, don’t have a permanent address
this entire thread is filled with drumpf apologists and sanewashers
Congrats lemmy, you lost the war with fascism through inattention and allowed yourself to be co-opted
EVEN THOUGH you had clear evidence from 4chan and reddit how fascism grows on online forums through deliberate discussion manipulation
I have reported over 30 incidents of social media sliding from inauthentic accounts and all it did was get be banned for 2 days for being ‘rude’.
You get what you fucking deserve and I’m going to enjoy watching your collapse
it is pretty wild dude but I think some of the people resorting to sane washing are burned out by all the cable news / huff post / raw story kayfabe
they see somebody pointing at a threat and instead of add that to their mental load, they’d rather shuffle it aside as panic bait or whatever
i kinda get it
my hope is that if their banks actually threaten them with this they remember “oh yeah, i’ve heard of this, it has something to do with my address getting challenged” and then maybe they can figure it out in time? then they don’t have to deal with getting labelled like this and losing services.
The two friends that I had that were de-banked didn’t get any notice, they just got a check mailed to their previous address and only one of them managed to recover it
Holy shit.
To think I was envious of America when I was young.
To be honest, this shift in our politics has been brutally quick and more federally far reaching than anything that happened while I was growing up. People used to be able to just exist. Camp in parks, sleep on benches, etc. This authoritarianism is… Somewhat new.
It started in earnest under Regan. It’s just been difficult to see where all those changes would lead until all at once it smacked us in the face.
It was slow and incremental. You can’t boil a frog by tossing it in a fryer.
It’s only been quick if you just started paying attention. This is the end result of decades of work by the GOP.
Legitimately 70 years, their fight started just after FDRs New Deal. The entire modern Republican party exists to work towards this. They want a return to the guided age with themselves as the robber barons and everyone else as a permanently toiling underclass.
Not really. People are just less ashamed than they used to be.
Those were different times. I remember how people who travelled there talked about how friendly everybody was. And everything was cheap, service was great and life was easy. Obviously those were skewed perceptions by tourists, but still. Nobody says things like that any more.
I came into this thread thinking that the term de-banking was something like de-google and I was eager to find some opensource service tô get rid of the dependency of banks all together.
Boy was I wrong. /s
Good advice though!
This is 100% going to be used against trans people, especially the mental illness and danger parts (remember all the cross dressing is pedophilia stuff that republicans were pushing)
I hope for the safety of all LGBTQ people in the US right now, especially the trans people. You all deserve to live unbothered, I wish it were that easy.
This is absolutely a current weapon against trans people. If you know trans people who need an address, get them an address ASAP.
Do you have a source for ANY of this drivel?
I was homeless for years, and have worked with homeless addicts for the last 10 years. Never in my life have I heard of these things happening for the reasons you give. Hell even to this day I don’t update a bank with my new address.
Could you provide a reliable source for more information about this actually happening to real people en masse? I have no doubt it’s happened to someone somewhere, but would be surprised if this was a real problem and I wasn’t aware.
I have to say I agree here, hell I’ve never updated one of my open bank accounts. It still has me under my mother’s old house from when I turned 18, and I’ve moved at least 10 times since then. I’ve also helped/worked with/am friends with plenty of unhoused or at risk folks and never heard of being 'debanked. Now if OP wants to talk about getting accounts or your ID in the first place while being unhoused then that’s a different story. Plenty of times I’ve seen it be next to impossible to get these things w/o an address. Not so much maintaining it w/o an address.
Although im sure anything is possible, so I wont discount it completely.
The term has gained traction after being discussed on a November 2024 The Joe Rogan Experience podcast with investor Marc Andreessen, in particular with respect to cryptocurrency assets.
Yeah im not buying it, but the next line says instances of Muslim people having accounts closed have been covered by media. Although that’s shaky at best. What media? Who specifically? Im not convinced that this even happens often enough for people to clutch their pearls
Edits: that claim to “Muslim money” is cited and links to an ebook about Canadian Islamophobia, but its using this book as a source to say Muslim accounts get closed in the USA and its covered by “media”
Duh your moms not returning your mail to sender is she? Derp a derp
I mean she might have if she still lived there smartypants. She lives in a trailer now. Bold of you to assume any of my family still lives there lmao
BOLDNESS IS ALL!
- use an address you can access for at least a week
- get your initial documents
- go paperless and have the mail all RTS
Job done, nobody will bother you and you can use electronic statements as proof for accounts. Just don’t commit fraud with them and nobody cares.
This is just disguised anti-Trump nonsense under a veil of bits of facts tossed around. This is the equivelant of the right claiming that Joe Biden is wearing a mask. Ppl on the fringe are crazy.
Sorry where did I disguise my anti-regime feelings, here? This is an anti-regime post. I am not crazy. I am your enemy.
You’re not my enemy. You’re batshit crazy, but definitely not my enemy.
The Wikipedia is linked with its references…
The Wikipedia in on the term debanking and what it means. Not some wild anti-Trump conspiracy to come after you.
What part of that is related to this? I just read it.
OOOFFF GOT ME
Back when I vandwelled, I was able to set up a “declaration of domicile” so my legal address was at a mail forwarding center. You can have mail forwarded to a local post office box, or to a different address (if you’re crashing at a friend’s house or something.)
It’s a useful option when you have to move around a lot, since if you move you don’t have to change your address - just change where your mail gets forwarded to.
It does require paying for a PO Box, but IMO it’s worth it.
Though I recommend actually knowing something about the town or city of the forwarding center you use. I once had a job interviewer be from the same town as the one on my license, and had to bullshit as if I actually knew the place (and didn’t merely drive through it on a freeway a couple times.)
Hey do you know if this works for traveling nurses or if there is a different way that they do it?
Works just fine, just make sure you do your mail forward with the paper form, keep your payments current, and do the verification of the forward in person as is required. Fwiw you can use any address you have access to to start the PO box or other accounts as well, even if you won’t have that access for long. Source: I do mail
The good news is that your post isn’t really something you have to worry about(social media is propagandizing this), it’s only going to impact state funded housing for people and aim to funnel money to private prison contractors for any homeless people who assault ICE or w/e other federal agents. The bad news is that its rooted in hate and going to damage section 8 housing access, generally making people poorer/more worse off in the long run.
If you have to travel for extended periods of time, it’s not a bad idea. It does take a little extra time for your mail to get to you (since it’s being shipped twice.) If that isn’t a problem, I can’t think of any reason it wouldn’t work for travel nurses.
And now I actually want and am rooting for armed homeless to commit acts on violence on government stooges who attempt to carry out this order. Time to start building guns for the homeless.
Now the message on Tom Morello’s guitar makes sense (“Arm the homeless”).
BuT tHeY’rE pRiVaTe EnTeRpRiSe! ThEy ShOuLd’Nt Be ReGuLaTeD. tHeY nEeD tO Be AlLoWeD tO sUpErCeDe Da LaW!1!
I’m curious if credit unions participate in this. I can’t find any information about it.
It’s pretty specific to the CU. Some CUs seem to follow “other banks de-banked you, so…” and some just don’t seem to notice or care about anything.
