this post was submitted on 25 Jul 2025

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645

YSK De-banking is often how the US first declares you "homeless" (lemmy.blahaj.zone)

submitted 1 week ago by ordinarylove@lemmy.blahaj.zone to c/youshouldknow@lemmy.world

117 comments fedilink hide all child comments

Debanking on wikipedia

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:

your apartment doesn't have a legal address
you lose home owner's insurance or your coverage changes and your bank decides it doesn't like that
your building's owner defaults
fire
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.

(page 2) 50 comments

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[–] peoplebeproblems@midwest.social 14 points 1 week ago (1 children)

Why of course.

If you no longer have property, what use are you (/s)?

This country was based on property rights.

I'm sure most have noticed that a lot of law revolves around harming people OR property. If people aren't property, why would damaging property be so severe?

And the next part is the one that blows my mind more than anything - car insurance. I don't know about all US states, but at least mine, you are legally required to have it to cover damages to other property. Most people keep full coverage because of the expense of a new car - like a home, or a boat, etc.

This is all about the true goal of the Heritage Foundation's plan - People to become property.

I'm not talking Black slaves, or enslaved Latinos, I'm talking everyone. Sex slaves? A thing of the past. You make a transaction for a wife. (Remember no LGBTQ+ in this world of theirs). Employees? A thing of the past. You give workers shelter, food and enough healthcare to remain profitable.

A lot of people can argue that is the current system. But a lot of people can still take time off. FMLA still protects people. People have retirement accounts. "You will own nothing and like it."

[–] moody@lemmings.world 7 points 1 week ago (1 children)

If people aren’t property, why would damaging property be so severe?

Sorry in advance for defending the concept of defence of property. It's not that I think it should be that way, but currently it is.

Property can easily be equated to either work or status. In today's society, we work to earn our property. Damaging property is then damaging work, or at least the value of the work already done.

On the other end, status is something we already know that the elite value above all else, so it makes sense that attacking someone's status is going to get punished.

So it's not so much that people are property, but that harm to property is harm to its owners.

[–] peoplebeproblems@midwest.social 3 points 1 week ago

Yes, that's the belief. I understand that.

But it isn't harm to the owners. The equating harm to property to harm to the owner is what makes the idea of us not being equal a thing.

Otherwise our children would be traumatized from every piece of colored paper that we have to throw away that they bring home. The unrepairable cars, the laptops that bite the dust, the food that we consume.

That's why people being property is no different to the elite. They are equivalent.

[–] acockworkorange@mander.xyz 13 points 1 week ago (1 children)

If you have an MH diagnosis and you don't have two back-up legal addresses, you are on this Ex O.

Could you translate this to simple English? MH? Ex O?

[–] Megamanexent@lemmy.zip 12 points 1 week ago (1 children)

Im assuming:

Mental health

Executive order

[–] ordinarylove@lemmy.blahaj.zone 13 points 1 week ago* (last edited 1 week ago)

If you have a mental health diagnosis, you need to have two back-up addresses because you are being targeted by this executive order.

[–] kieron115@startrek.website 10 points 1 week ago (10 children)

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).

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[–] Whats_your_reasoning@lemmy.world 10 points 1 week ago (1 children)

I'm curious if credit unions participate in this. I can't find any information about it.

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[–] L0rdMathias@sh.itjust.works 8 points 1 week ago

BuT tHeY'rE pRiVaTe EnTeRpRiSe! ThEy ShOuLd'Nt Be ReGuLaTeD. tHeY nEeD tO Be AlLoWeD tO sUpErCeDe Da LaW!1!

[–] markovs_gun@lemmy.world 8 points 1 week ago (1 children)

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.

[–] bestagon@lemmy.world 3 points 1 week ago

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

[–] RabbitBBQ@lemmy.world 7 points 1 week ago

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.

[–] realitista@lemmus.org 6 points 1 week ago* (last edited 1 week ago) (5 children)

I left the USA 25 years ago and still keep a bank account at my parents' address. Not yet debanked.

[–] tiramichu@sh.itjust.works 9 points 1 week ago* (last edited 1 week ago)

You being lucky doesn't necessarily imply that other people will be equally lucky, though.

Plus, what we may not have thought about is that the triggers for a financial institution to review your account will happen due to a change in circumstance. Address move, insurance change, employment change.

Since you left 25 years ago, there have presumably been essentially zero changes to your personal status as far as the bank is concerned. They aren't hearing about it because you don't live or work in the country anymore.

So your account is just sitting there, quietly unnoticed and unbothered.

To make them want to close it, something would need to happen to make them review it in the first place.

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[–] deepus@lemmy.world 4 points 1 week ago

Damn! Yall really are fucked. I really do feel for you. Hope this shit doesn't catch

[–] DagwoodIII@piefed.social 3 points 1 week ago

Thanks for the information.

[–] Rhaedas@fedia.io 3 points 1 week ago (1 children)

Your value is your money and what money you bring in for your employer and taxes. That's it. If they can't have access to your money in some way, you are a non-person to them.

[–] ordinarylove@lemmy.blahaj.zone 13 points 1 week ago

Ehhh you are correct but some people might think that having $15,000 or $25,000 USD on hand, active direct deposits going would be enough for them, no.

You need to have "fuck you" money, like you need to be able to immediately buy an address to be immune to this. Many landlords will not rent to you without bank statements. You cannot buy property without an address unless you can do it in cash.

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