• 09:15

    Mamre, vjerski program (R)

    Nedjelja, 11-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 11-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 11-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 11-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 11-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 11-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 11-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 11-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 11-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 11-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 11-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 11-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 11-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 11-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 11-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 11-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 11-04-2021.

  • 09:30

    TV prodaja

    Ponedjeljak, 12-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 12-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 12-04-2021.

  • 14:30

    U dobroj formi, magazin

    Ponedjeljak, 12-04-2021.

  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 12-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Ponedjeljak, 12-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Ponedjeljak, 12-04-2021.

  • 17:15

    Osijek info, mozaična emisija (R)

    Ponedjeljak, 12-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 12-04-2021.

  • 18:30

    Sportikos, sportska emisija

    Ponedjeljak, 12-04-2021.

  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 12-04-2021.

  • 20:00

    Budnica, talk show

    Ponedjeljak, 12-04-2021.

  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

    Ponedjeljak, 12-04-2021.

  • 21:30

    Vukovarska kronika, mozaična emisija

    Ponedjeljak, 12-04-2021.

  • 22:00

    After, emisija o elektronskoj glazbi

    Ponedjeljak, 12-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 00:00

    Kraj programa

    Utorak, 13-04-2021.

  • 09:45

    TV prodaja

    Utorak, 13-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Utorak, 13-04-2021.

  • 10:30

    TV Koktel, mozaična emisija (R)

    Utorak, 13-04-2021.

  • 11:30

    TV prodaja

    Utorak, 13-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Utorak, 13-04-2021.

  • 14:00

    Sportikos, sportska emisija (R)

    Utorak, 13-04-2021.

  • 15:00

    Budnica, talk show (R)

    Utorak, 13-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Utorak, 13-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Utorak, 13-04-2021.

  • 17:00

    Vukovarska kronika, mozaična emisija (R)

    Utorak, 13-04-2021.

  • 17:30

    Akademska četvrt, mozaični program (R)

    Utorak, 13-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Utorak, 13-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 13-04-2021.

  • 19:00

    City music, glazbena emisija

    Utorak, 13-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 13-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 13-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 13-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

    Utorak, 13-04-2021.

  • 23:30

    Kraj programa

    Utorak, 13-04-2021.

  • 09:45

    TV prodaja

    Srijeda, 14-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 14-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

    Srijeda, 14-04-2021.

  • 12:45

    U dobroj formi, magazin

    Srijeda, 14-04-2021.

  • 13:15

    Kultura 21, magazin

    Srijeda, 14-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 14-04-2021.

  • 14:25

    TV prodaja

    Srijeda, 14-04-2021.

  • 14:40

    Glazbeni program

    Srijeda, 14-04-2021.

  • 14:55

    Naš (g)rad, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Srijeda, 14-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Srijeda, 14-04-2021.

  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

    Srijeda, 14-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Srijeda, 14-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 14-04-2021.

  • 19:00

    City music, glazbena emisija

    Srijeda, 14-04-2021.

  • 20:00

    Karte na stol, talk show

    Srijeda, 14-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Srijeda, 14-04-2021.

  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

    Srijeda, 14-04-2021.

  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 14-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 00:00

    Kraj programa

    Četvrtak, 15-04-2021.

  • 09:45

    TV prodaja

    Četvrtak, 15-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 10:30

    Glazbeni program

    Četvrtak, 15-04-2021.

  • 11:30

    Kultura 21, magazin

    Četvrtak, 15-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 15-04-2021.

  • 12:20

    U dobroj formi, magazin

    Četvrtak, 15-04-2021.

  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 14:00

    LifeStyle TV, magazin

    Četvrtak, 15-04-2021.

  • 14:55

    Karte na stol, talk show (R)

    Četvrtak, 15-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 15-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Četvrtak, 15-04-2021.

  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 15-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 15-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 15-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

    Četvrtak, 15-04-2021.

  • 19:30

    City music, glazbena emisija

    Četvrtak, 15-04-2021.

  • 20:00

    Budnica, talk show

    Četvrtak, 15-04-2021.

  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 15-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 15-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 00:30

    Kraj programa

    Petak, 16-04-2021.

  • 09:30

    Glazbeni program

    Petak, 16-04-2021.

  • 09:45

    TV prodaja

    Petak, 16-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 10:20

    Glazbeni program

    Petak, 16-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 16-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

    Petak, 16-04-2021.

  • 12:00

    Kultura 21, magazin (R)

    Petak, 16-04-2021.

  • 12:30

    Glazbeni program

    Petak, 16-04-2021.

  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 16-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 16-04-2021.

  • 14:30

    TV prodaja

    Petak, 16-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

    Petak, 16-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Petak, 16-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 16-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 16-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Petak, 16-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 16-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 16-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 16-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Petak, 16-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 16-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena emisija

    Petak, 16-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

    Petak, 16-04-2021.

  • 00:00

    Kraj programa

    Subota, 17-04-2021.

  • 09:45

    TV prodaja

    Subota, 17-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Subota, 17-04-2021.

  • 10:30

    TV prodaja

    Subota, 17-04-2021.

  • 10:45

    LifeStyle, magazin

    Subota, 17-04-2021.

  • 11:45

    TV Koktel, moziačna emisija (R)

    Subota, 17-04-2021.

  • 12:45

    Kako se snimao film, dokumentarna reportaža

    Subota, 17-04-2021.

  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

    Subota, 17-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program (R)

    Subota, 17-04-2021.

  • 14:30

    Budnica, talk show (R)

    Subota, 17-04-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 17-04-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 17-04-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 17-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 17-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 17-04-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 17-04-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 17-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 17-04-2021.

  • 22:30

    Općina Bizovac, reportaža

    Subota, 17-04-2021.

  • 23:00

    Osijek pita, informativna emisija (R)

    Subota, 17-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Subota, 17-04-2021.

  • 00:00

    Kraj programa

    Nedjelja, 18-04-2021.

  • 09:15

    Mamre, vjerski program (R)

    Nedjelja, 18-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 18-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 18-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 18-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 18-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 18-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 18-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 18-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 18-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 18-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 18-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 18-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 18-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 18-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 18-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 18-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 18-04-2021.

As OCC Procedures Backward on Payday Lending Oversight, banks should follow n’t

Legalized loan sharking has different disguises: pay day loans, automobile name loans, high-cost installment loans. Pay day loans are made by a storefront regarding the part or by a nonbank online loan provider, but until a 2013 {federal intervention,|intervention tha number of banking institutions had been wading within these waters, too, calling their typically 300 percent interest pay day loans “deposit advances.”

Many of these products that are financial a business model rooted in trapping borrowers in unaffordable loans. Struggling to manage both the mortgage while the interest that is high and continue steadily to fulfill crucial costs, borrowers are forced to reborrow over and over, taking out fully one unaffordable cash advance to settle the earlier one. Stuck in this financial obligation trap, a borrower can wind up spending 1000s of dollars in charges on an original loan of $300. Frequently, the monetary effects of this debt trap don’t hold on there, but expand to bank penalty costs, greater delinquencies on other bills, ruined credit, loss in checking records as well as bankruptcy.

Like storefront payday advances, deposit advance loans had been marketed as a periodic connection to a consumer’s payday that is next. But additionally like storefront pay day loans, these bank services and products caught borrowers in a long-term period of financial obligation.

Last year, the middle for Responsible Lending reported that the median bank payday debtor had 13.5 loans each year and was at financial obligation at part that is least of half a year yearly. Plus in 2013, the customer Financial Protection Bureau discovered that borrowers spent on average 114 times throughout the 12 months in triple-digit financial obligation. CRL additionally discovered that a lot more than 1 in 10 borrowers had significantly more than 30 loans annually, and therefore 25 % of bank payday advances went along to seniors whom get Social protection.

This debt trap product typically kept clients in a worse budget than these people were prior to, also it had been commonly condemned by community and civil liberties companies, faith and army leaders, and lots of state and federal lawmakers. That’s why four years back, the workplace of the Comptroller regarding the Currency together with Federal Deposit Insurance Corp. issued guidance advising the banking institutions they oversee to evaluate the power of these clients to settle the loans before you make them. The Federal Reserve additionally issued a supervisory statement at enough time, noting that the deposit advance item posed issues about unjust and misleading techniques.

In place of complying with this particular commonsense protect for customers, the banking institutions generally speaking responded by discontinuing their products or services and got out from the bank payday company.

But on Oct. 5, succumbing to industry force, the OCC rescinded its 2013 guidance. The OCC noted the production for the CFPB’s rules that are new payday lending, released earlier that day, as reason for the repeal, however the CFPB’s guideline will perhaps not get into effect until 21 months after book within the Federal enroll. For the time being, the nationwide banking institutions the OCC supervises may react to this rescission with intends to begin making payday advances. (The FDIC’s guidance while the Fed’s supervisory statement remain in place regarding the state-chartered banking institutions those agencies supervise.)

The afternoon after the OCC’s statement, significantly more than 100 faith leaders, customer advocates and rights that are civil from around the world answered by urging banking institutions to commit not to ever enter, or re-enter, this financial obligation trap market, also to oppose techniques just like the OCC’s that will allow it to be easier for any other banks to take action.

In April of the 12 months, the United states Bankers Association presented a white paper towards the U.S. Treasury Department calling for repeal associated with OCC and FDIC guidance, and a measure happens to be floated in Congress doing exactly the same.

These efforts come despite overwhelming proof that payday advances placed individuals in harm’s method. Payday lending by banking institutions state that is also undermines in the states which have forbidden or imposed significant limitations on payday advances in the past few years, or which have never ever permitted pay day loans to engage in their market.

Six banking institutions — Wells Fargo, United States Bank, areas Bank, Fifth Seneca payday loan Third Bank, Bank of Oklahoma and Guaranty Bank — had been making predatory pay day loans with their very own members until 2013, whenever a public outcry and dangers towards the banking institutions’ safety and soundness resulted in the OCC and FDIC guidance. These six banking institutions alone were siphoning $500 million yearly from customers who have been caught in an online payday loan debt trap set by their extremely own bank.

With deceitful techniques like opening unauthorized bank reports, reordering debit card transitions to maximize overdraft costs and forced arbitrations clauses, that which we require now more than ever before are safeguards in position that end banking institutions from benefiting from people who entrust banking institutions making use of their hard-earned cash. The OCC statement to move straight back the financial institution guidance that is payday us backward in place of ahead.

And amid a tempest of deregulation in Washington, banking institutions should make a pledge to not provide toxic payday advances and rather get in on the broad coalition of individuals around the world who will be attempting to make customer security a top concern. It’s time for you to come together to get rid of your debt trap forever.

Rebecca BornГ© is a senior policy counsel at the middle for Responsible Lending, a nonprofit, nonpartisan research and policy company.

Morning Consult welcomes op-ed submissions on policy, politics and company strategy within our protection areas. Updated distribution directions can be located right here.

Impressum

DIREKTORICA I GLAVNA UREDNICA

Ružica Smolčić

031 400 000

urednik@ostv.hr

VODITELJ TEHNIKE

Dario Čakmak

rezija@ostv.hr

VODITELJICA MARKETINGA

Mirjana Mlinarević

031 400 003

marketing@ostv.hr

Brzi upit

captcha

Dizajn i izrada: Gauss Development