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  • OPINION: Swipe fees are a concern

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    By Tom Hoye 

    In a recent opinion piece for the Taunton Daily Gazette, the author made the claim that consumers in Massachusetts “don’t need to be concerned with credit card ‘swipe fees.’” However, this could not be further from the truth. Costs are still on the rise for families in Massachusetts, and with the holiday season in full swing, that is more relevant now than ever before. While tariffs are certainly taking their toll, the impact of credit card swipe fees cannot be ignored as they now make up the second largest operating expense for business owners and drive prices higher for consumers.

    While businesses in Massachusetts cannot add an upfront surcharge to account for swipe fees, there’s no doubt that when these fees rise, merchants are forced to increase prices across the board to keep their doors open. This means even those who use cash end up paying higher prices as a result of card users.  Surcharging is just a band-aid for retailers to recoup some of these costs — but it is not a solution. Retailers don’t like them either as they get blamed for the credit card’s outrageous fees. Massachusetts law might block a line item surcharge, but make no mistake that merchants and consumers are still paying swipe fees.

    The more those fees grow, the more merchants will have no choice but to raise their prices to account for the overhead, just as they would for any other expense. In fact, families here in state and across the country are paying an extra $1,800 a year on average as prices increase to account for the growing expense of swipe fees.

    Whenever you swipe a credit card at your favorite restaurant or local shop, the business owner incurs a swipe fee, which is a percentage of the transaction that’s paid to credit card companies and major banks. In other words, Massachusetts’ small business owners have to watch while a portion of their hard-earned revenue is siphoned away from their communities to line the pockets of executives on Wall Street. In 2024 alone, our state paid over $2.9 billion in swipe fees, money that could have been used to increase wages, improve employee benefits, and lower costs.

    Unfortunately, thanks to credit card companies, this issue will not fix itself. These companies dominate the payments industry, and increase swipe fees without hesitation thanks to the cartel-style price fixing scheme they’ve employed with major banks to ensure fees continue going up. Massachusetts simply can’t afford the status quo, especially as the cost of living exceeds the national average and the cost of things like raising a child in this state is 50 percent higher than the rest of the country.

    It’s clear we need a legislative fix to level the playing field and thankfully one already exists in the form of the Credit Card Competition Act.

    This bill, a bipartisan initiative supported by both Democrats and Republicans as well as the overwhelming majority of the public, would offer merchants and consumers the relief they’ve been seeking for years by allowing businesses to choose between at least two credit card networks for processing transactions. By fostering a competitive environment, the Credit Card Competition Act would incentivize credit card companies to lower their swipe fees and improve their services. The bill would save Massachusetts businesses and consumers an estimated $438 million a year, allowing merchants to not only pay their employees more but also lower prices for their customers who are still reeling from inflation and economic uncertainty.

    The deck is stacked against Main Street when it comes to swipe fees. The only beneficiaries are Wall Street executives and bank CEOs. Until the Credit Card Competition Act is passed, swipe fees will continue burdening our local businesses and putting pressure on families who are already struggling to afford necessities. The Credit Card Competition Act can truly shake the status quo and bring about the change we desperately need. I hope U.S. Sens. Elizabeth Warren and Ed Markey along with our entire congressional delegation will take this message to heart and throw their support behind this bill.

    Tom Hoye is the former mayor of Taunton. He is currently the register of probate for Bristol County and the owner of several businesses.

     

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  • ‘People do feel betrayed’: Trahan talks tumultuous 2025, hopes for 2026

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    LOWELL — For U.S. Rep. Lori Trahan, 2025 went about as she expected with the return of the Trump administration, which she thinks has been much like the first term, but with things moving much faster than before.

    That expectation was set, she said, by documents like Project 2025, a 900-page document compiled by the Heritage Foundation outlining a blueprint for a dramatic shakeup of the U.S. government under the next conservative president, which ended up again being President Donald Trump.

    “I think we were all sort of ready for a different cadence in this term, but it certainly started before the inauguration. We had a bipartisan package of health care bills, of all this legislation on its way to passage at the end of the year,” Trahan told The Sun Tuesday.

    “Elon Musk basically in a tweet said ‘it’s way too complicated, legislation shouldn’t be this long,’ and he killed it.”

    Despite the tumultuousness that followed in the federal government for the rest of 2025, Trahan once again closed out the year with a report from her office on what she sees as her biggest accomplishments of the year, even within a Congress she said took on “irrelevance” rather quickly.

    Those highlights included the more than $200 million in federal funding for the long-awaited Rourke Bridge project in Lowell, her support for online privacy protections through the reintroduction of the DELETE Act and the fight to restore Affordable Care Act premiums that expired at the end of the year.

    On Tuesday, Trahan sat down with The Sun to talk about her hopes for 2026, the upcoming midterm elections and what ways Democrats can counter President Trump with a slim minority in Congress.

    Trahan remarked that she was shocked how quickly Congress was pushed to the side in 2025 as Trump issued a record number of executive orders, but expressed confidence Democrats can reassert that authority in the coming midterms in November.

    “I think people want a check and balance on this administration, especially after living through this year, (having) Republicans in charge has really just meant chaos, it has meant higher prices, no checks on tariff policy, no checks on changes to children’s vaccine schedules, no checks on a potential war with Venezuela,” said Trahan. “The president has bombed seven countries since he has been in office and he ran on ending forever-wars (and not) getting the United States involved in foreign wars. People are tired, they are exhausted. They are really trying to make ends meet, trying to establish a better life for their families and themselves, and they are facing higher prices everywhere.”

    Trahan noted her support for a war powers resolution which had yet to be taken up by the Senate and would prohibit the president from waging war in Venezuela. The bill has since been passed in the Senate 53-47, and has yet to be taken up in the House of Representatives. The Senate margin would not be enough to overcome a veto by Trump, which would require a two-thirds majority in both chambers.

    Given the challenges her party faces in getting legislation through without control of any branch of government, Trahan said her aims in 2026 are centered around things like the stabilization of our local health care system after the Nashoba Valley Medical Center closure in 2024.

    “No Plan B until the governor stepped in, working with UMass to come up with a path forward there, but there is anxiety in that region around not having a full community hospital operation,” said Trahan. “What the Big Beautiful Bill did … was really undermine and destabilize our entire hospital system. Without those Medicaid payments, we are absolutely going to see a loss of vital hospital services. We have already seen some of the less profitable services close … that is going to continue.”

    On top of that, Trahan said, the Affordable Care Act premiums expired on Jan. 1, and her office has heard from constituents whose health insurance premiums have since risen to as high as an extra $11,000 a year.

    “It is just incredible to see how beneficial those tax credits were for people, and how unaffordable it is without them,” said Trahan.

    “When you have young, healthy people … who say ‘this is unaffordable for me, I am going to roll the dice,’ one: something catastrophic can happen to them and they are not even going to be able to afford the ambulance bill, never mind what it will take to treat them in the hospital,” said Trahan. “But two: it increases everybody’s premiums because then the insurance pool is older and sicker, people who can’t not have insurance.”

    Trahan and the rest of the House Democrats got the support of nine Republicans to sign a discharge petition to force a vote on a clean three-year extension of the ACA tax credits. The subsequent vote passed the House 230-196 with 17 Republicans joining all Democrats to vote in favor. That bill faces a questionable future in the Senate as of Friday.

    Trahan currently does not have an opponent for this year’s midterm elections, which would be the second straight election she goes uncontested if that remains true. While Trahan could have little to worry about her own seat, Democrats are currently facing a historic popularity crisis according to a number of polls over the past year.

    “We have to reconcile a lot of polls. The institution that has the lowest approval rating is Congress, but there is a difference when you ask how people feel about their own congressperson,” said Trahan. “I have a lot of humility around the state of favorability for the Democrats.”

    Despite the polling challenge, after the off-year 2025 elections across the country showed promising signs for Democrats, the party has expressed confidence it will take back seats from what is currently a very narrow Republican majority. Trahan said that can happen by the Democrats “making the case for a check and balance on this administration.”

    “On any administration, but this administration in particular. Congress has to reassert their authority so the questions people have back home we are actually asking in the halls of Congress and committee rooms,” said Trahan.

    Points of contention for voters who subscribe to Trump’s “America First” messaging might be the military’s intervention in foreign countries, Trahan said, or things like the $40 billion bailout given to Argentina.

    “I think that is why you are seeing some disruption and questions in the Republican Party … My hope is that pressure people feel at home will start to come to Congress with them, and people will start surfacing those questions and having hearings, and forcing the president to not bypass Congress, but instead to work with us,” said Trahan.

    Despite the division, Trahan said she has still been able to find common ground with her Republican colleagues on certain issues. She pointed to two bills, the reauthorization of the Creating Hope for Kids Act  and there is the Accelerating Care for Kids Act, on which she has worked for four years with Republicans in the House and she feels confident will pass this year.

    Just a bit into 2026, and closing in on one year since a new administration and new session of Congress, Trahan said the midterms come down to how “people don’t feel like they are better off right now.”

    “People do feel betrayed … they thought [Trump] was going to make a concerted effort to bring their prices down. That is not happening. That is where Democrats know people expect the government to do something,” said Trahan.

    Trahan and all but one member of the House voted in November in favor of the Epstein Files Transparency Act, a bill to compel the Department of Justice to release all documents related to the investigation into deceased sex trafficker Jeffrey Epstein and his clients. The DOJ had a Dec. 19 deadline to release the trove of documents, but those that were released by that time were heavily redacted, and the DOJ said there are millions more documents that needed to be processed for release.

    Trahan said with the DOJ missing deadlines compelled by the law, the House Judiciary and Oversight Committees are “spending a lion’s share of their time just watching the DOJ and making sure they are following the letter of the law.”

    “This was incredibly bipartisan, it was the result of victims coming to Washington and demanding that these files be released, which by the way, this president promised he would make transparent. It shouldn’t have even gotten to the point where that was forced upon his Department of Justice,” said Trahan.

    One of the biggest changes of 2025, which is poised to continue to be a flashpoint in 2026, has been the federal policies surround immigration and its enforcement. Trahan’s office has been tracking 15 cases within her district where immigration enforcement agents have arrested immigrants who in some cases had legal status.

    “We work with legal services … we work with [U.S. Citizenship & Immigration Services] on where they are if they are in Burlington or if they have already gone to Maine, or in horrible cases to Louisiana or somewhere else,” said Trahan.

    Another way her office helps is by advising all immigrants facing these issues to sign a privacy consent release form.

    “It is just one of those things people would never know to ask for, but we can’t be helpful until that piece of paper has been signed, and there has been a lot of obstruction of a detainee getting that piece of paper, getting it signed and getting that communication to us, but once we have all that in place we can work on someone’s behalf in a myriad of ways,” said Trahan.

    Growing up, Trahan said, her family only wanted was to know “that if we worked hard we could get ahead.”

    “Right now that is not the reality,” said Trahan, calling health care and the high cost of living the biggest challenges facing Americans right now. “Families like the one I grew up in are really struggling … they are not seeing their government acknowledge they cannot afford health care coverage.”

    Seven years into her congressional tenure, Trahan said she still sees the job similarly to what she expected going into her first term, which she credits to her decade of experience as a congressional staffer.

    “I started in the second half of Trump’s first term. I am now going to serve, hopefully if I win my reelection, through another Trump term, and I think what has changed has been the abdication by the Republican majority’s authority to the president,” said Trahan. “In 2018 we were part of this blue wave that was part of the backlash of the first two years of President Trump being in office. I got to see a Congress that exerted its authority on a rogue presidency. I have also lived through this first year where we did not have that check and balance. That is really dangerous for our country.”

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    Peter Currier

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  • State Sen. John Cronin working on positive goals

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    FITCHBURG — With the start of a new year, state Sen. John Cronin, D-Fitchburg, is looking at getting things done in several areas, and chief among them is increasing the local aid to cities and towns.

    “That’s absolutely a priority,” Cronin said this week … “a boost in local aid.”

    “The economy is everything,” Cronin said, reminding that the state budget must be balanced every year, at stipulated by law so, “state money to the cities and towns is contingent on the state and national economy.”

    State Chapter 70 education aid was up the last couple of years for Fitchburg and Leominster, Cronin said, but particularly for the rural towns in this area including Ashby, Townsend and Groton, “state aid has not kept up with the rising cost of health care and declining student population.”

    Cronin said Fitchburg saw a more than $8 million increase in Chapter 70 funding, which provides state dollars for schools’ operating costs, bringing its total allotment to over $86.2 million for the current school year. The city also received $10.7 million in unrestricted aide to help fund a variety of services.

    One goal for this year would be to try to increase the minimum per-pupil aid amount.

    That might help battle “the pressures that school departments are facing and cities and towns are facing in getting control over rising health care costs,” Cronin said. “Year over year we’ve seen double-digit increases … the rising rate of health care is unsustainable.”

    Heath care

    Another priority for Cronin this year will be trying to address that rising cost in health care.

    He said the state can play a role in making sure more people have access to health care and in supporting the greater use of preventative medicine, to help limit more-expensive costs once people fall victim to various maladies.

    He said it’s very difficult for a state to offset the type of changes that the federal government seems to be implementing in the Affordable Care Act plans, and the expiration of subsidies that kept it “affordable.”

    On Thursday, the U.S. House of Representatives passed a bill to extend the health care subsidies, but the bill now goes to the U.S. Senate, where it is expected to fail. Cronin said he’s hoping ongoing talks in the U.S. Senate will restore the Affordable Care Act subsidies.

    And beyond that, he said, “a negative aspect of the Big, Beautiful Bill that passed, is that there will be a lot of people that will not have access to Medicaid. With the loss of insurance, more people will be showing up in emergency departments, and it will be more expensive in the end.”

    Fitchburg housing boost

    Cronin said one area where there has been recent progress is in housing.

    “Over the past three or four years, we’ve brought back millions of dollars to revitalize Main Street in Fitchburg, converting two blighted properties in the downtown to housing. … It’s bearing real fruit, we’ve taken a number of properties that were historic, but were vacant and blighted, and turned them into (viable) housing.”

    Cronin, along with state Rep. Michale Kushmerek, D-Fitchburg, also on Thursday highlighted $1 million in new aid to Fitchburg, which will be used to support housing production projects already underway. The funds, which were included in the Fiscal Year 2026 state budget, will be distributed between the city and the Fitchburg Redevelopment Authority, the city’s independent economic development agency tasked with facilitating infrastructure investments and development projects. Included in the final budget is $750,000 for the FRA, as well as an additional $304,000 direct funding to the city to further expand housing opportunities downtown.

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    John Vincent

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  • Editorial: Agencies need real clout to exert health-care control

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    UMass Memorial Health’s unwavering decision to close the Leominster Hospital Maternity Ward sent a clear signal to Beacon Hill that the Department of Public Health needs more leverage to bear in these situations.

    And that can only happen through the Legislature, which must provide the DPH with the authority to make shuttering a vital medical service a difficult, painstaking process.

    If that were the case, UMass Memorial Health probably wouldn’t have gone forward with its September 2023 closure.

    As we previously predicted at the time, as long as UMass Memorial Health followed the current protocol, the state was powerless to alter the closure’s course.

    The announcement reaffirming its intention to close came only hours after the Worcester legislative delegation joined with North Central Mass. lawmakers to request a delay.

    That, like previous petitions, fell on deaf ears, even over the DPH and lawmakers’ objections.

    The Health Policy Commission, in its quest to control health-care costs, works under the same limitations.

    Although it’s an independent state agency charged with monitoring cost trends, as with the DPH, the Health Policy Commission can only make recommendations, not issue binding mandates.

    Since the HPC has no real enforcement powers, we shouldn’t be surprised that its health-care cost-containment goals have been routinely ignored.

    In a competitive environment, marketplace forces control the pace of price increases and worker compensation.

    Without those restraints, health-care costs find their own level – considerably higher than HPC guidelines.

    That’s not how business works in the real world.

    The HPC previously set the cost growth benchmark at 3.6% for 2026, despite the fact that total health-care expenditures grew by 8.6% from 2022 to 2023.

    While hospitals and other medical facilities routinely blow through cost controls, private industry in this state somehow manages to toe the line HPC expects from its client base.

    That’s reflected in the combined data for the Boston-Worcester-Providence, R.I., area for the statistical year that ended in September.

    Compensation costs for private industry workers in the Boston metro area rose by 3.3% for that 12-month period.

    Nationwide, total compensation and benefit costs for civilian workers increased by 3.5% over the same timeframe.

    Undeterred, health-care oversight officials pledged last week to maintain their strategy of setting a cost-containment target, despite their ineffectiveness.

    The HPC urged policymakers and health-care leaders to “recommit to the health care cost growth benchmark” in 2026, and “convene to develop consensus on a comprehensive set of reforms.”

    The HPC board agreed on the topline recommendation as they voted to issue a new report in response to last month’s cost trends hearing.

    As reported by the State House News Service, hours of testimony at the Dec. 11 hearing focused on mounting affordability issues, challenges accessing care, and the threat of massive insurance coverage losses due to federal policy changes.

    Critics rightly pointed out the obvious – the benchmark established in 2012 does not represent a strong check on growing costs.

    At a recent primary-care task force meeting, Retailers Association of Massachusetts President Jon Hurst said the benchmark “obviously has not been followed for the last decade or so.”

    The new cost trends report offers four major and familiar themes for recommendations: administrative complexity, health-care prices, pharmaceutical spending, and low-value care, avoidable health-care visits.

    Lora Pellegrini, CEO of the Massachusetts Association of Health Plans, said the HPC, for more than a decade, has identified the same factors driving health-care spending growth.

    “The troubling reality is that, year after year, these cost drivers have gone largely unaddressed,” Pellegrini said in a statement.

    “And we are now seeing the consequences in real time: premiums climbing faster than wages, cost sharing rising as employers struggle to manage those premiums, and patients facing increasing barriers to care. The affordability challenges we face today are the direct result of a failure to act on what the data has long made clear.”

    The HPC says Massachusetts should take action to “dramatically” reduce the “significant administrative complexity” in the system, “prioritizing those that impede care for patients and burden primary-care clinicians and support staff (e.g., prior authorization).”

    The HPC recommended Massachusetts tackle “excessive prices” for provider services, noting that other states rein in costs “above a fair, reasonable threshold or moderate price growth to a sustainable rate.”

    With rising prescription drug spending, the HPC advises the state to consider forthcoming recommendations from the new Office of Pharmaceutical Policy and Analysis, as well as the Division of Insurance.

    The HPC also recommends that Massachusetts should encourage payers and providers to reduce “low value care” and avoidable emergency department visits, ED boarding, and readmissions.

    To accomplish that, the state must expand access to behavioral health-care and primary care, which is at the crux of the task force led by the HPC and the Executive Office of Health and Human Services.

    “The HPC has outlined a comprehensive and evidence-based roadmap, not once, but repeatedly,” Pellegrini said. “The time to act is now.”

    But there’s that word again, recommend.

    As we’ve witnessed, words without teeth don’t produce the desired results.

    Arm the DPH and HPC with actionable authority to make those recommendations stick.

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  • City Leaders in Pocomoke Pass Resolution to Initiate Marijuana Moratorium | Latest News – Medical Marijuana Program Connection

    City Leaders in Pocomoke Pass Resolution to Initiate Marijuana Moratorium | Latest News – Medical Marijuana Program Connection

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    POCOMOKE CITY, Md.-City leaders in Pocomoke City are implementing restrictions on marijuana business there. The mayor tells WBOC that the City Council passed a resolution Monday night establishing a six-month moratorium for marijuana businesses. This includes all aspects of marijuana business, such as growing, processing, and on-site consumption.

    The City says the ordinance will be so leaders can establish proper zoning laws and figure out where marijuana establishments will fit best.

    This moratorium on marijuana business goes into effect immediately in Pocomoke.

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  • Governor Wes Moore Visits Ocean City, Touches On Fast-Approaching Legalization of Marijuana | Latest News – Medical Marijuana Program Connection

    Governor Wes Moore Visits Ocean City, Touches On Fast-Approaching Legalization of Marijuana | Latest News – Medical Marijuana Program Connection

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    OCEAN CITY, Md. — A tour of Ocean City’s boardwalk lead to an insightful conversation with Maryland Governor Wes Moore on Tuesday, June 27th. We asked him about the upcoming legalization of marijuana for recreational use. 

    We also spoke with Governor Moore about local towns, like Ocean City, establishing cannabis moratoriums. Moore said he feels the people of Maryland have made their voices heard on this matter. 

    “I think the people of the state spoke very clearly last November that they wanted a recreational market opened up,” said Moore. “And we’re proud of the fact that we’ve been able to get it done and get it done quickly.”

    Moore said moving pots legalization forward at a fast pace, while being equitable and transparent was important in ensuring black market sales would not surface. 

    One thing yet to be established, however, are rules and regulations for recreational businesses. It’s why Ocean City’s mayor, Rick Meehan, said the town will take a breather for the time being. Waiting for legislation to pass while keeping an eye on any potential changes to their zoning codes. 

    “There’s a process that has to be followed, we just wanted to make sure we passed the resolution so that we would have that time and nothing would happen in the interim,” said Meehan. 

    It’s also why the town has banned on-site consumption. 

    “They[Maryland lawmakers]…

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