Used auto lenders have been booming for years, making billions of dollars worth of loans and consistently collecting big profits. But the market appears headed for trouble. (THREAD) There are many issues, but perhaps the most worrisome are potentially fraudulent practices. The Consumer Financial Protection Bureau is currently suing two large lenders for a raft of alleged predatory acts and financial crimes.

You know St. Jude’s TV commercials. Your brain recognizes its logo on sight. You’ve heard the promise – “no family receives a bill” – a hundred times.

Branding tells a story. But not the full story. There are 2 parts to the message St. Jude Children’s Research Hospital sends the public.

One, it’s fighting to save kids from cancer.
Two, it’s helping to shield families from the financial crisis a child’s cancer diagnosis can cause.

1/ Drug field tests like this one are little pouches with chemicals in them. Officers drop in suspected drugs and wait for colors to form.

But the colors don't always signal illegal drugs.

For example: there were no drugs in this picture. Many still call this positive ... 2/ The National Registry of Exonerations just added 5 wrongful convictions out of Las Vegas.

Courts overturned them after stories by @reportertopher and me on roadside drug tests. Police and prosecutors use the tests as evidence ...