Tuesday, July 28, 2026

Wave Hill Weekly Events (Aug 6 – Aug 13) | Discover Where Art and Nature Meet

 

The August air sweetens as the season passes, and the surrounding nature ripens. Wander the paths of Wave Hill and discover the ways art and nature combine. Explore the exhibits in the public gallery before the tours conclude. Later, connect with loved ones as you take inspiration from the Aquatic Garden in your own paintings, reminiscent of Monet's water lilies. Bloom in your own way here in the gardens


Nature & Wellness


Summer Birding

Free with admission to the grounds  
Registration not required

Bronx Birder Haley Scott of the Feminist Bird Club leads this walk through the gardens and woodlands to seek out summer birds. Observe the plants, insects, and habitats at Wave Hill that make it so appealing for such a wide variety of birds.  


Garden Highlights Walk

Free with admission to the grounds    
Registration not required.   

Join a knowledgeable Wave Hill Garden Guide for a leisurely stroll in the gardens. Topics vary by season and the expertise of the Guide; each walk varies with the Guide leading it.


Art


Public Gallery Tour

Free with admission to the grounds     
Registration not required.   

Solo and group exhibitions at Glyndor Gallery explore the dynamic relationships between nature, culture, and site. Visitors can expect an in-depth look at artworks on view, showcasing the work of both emerging and established artists in the unique context of a public garden.  


Family


Family Art Project: Monet’s Magnificent Pond

Free with admission to the grounds     
Registration not required.

Dive into the world of artist Claude Monet and his water lilies. Make a splash as you create your very own mixed-media paintings inspired by Wave Hill’s Aquatic Garden.


HOURS STARTING MARCH 15: 10AM–4:30PM, Tuesday–Sunday  
Shuttle Service free from Subway and Metro-North, Saturday–Sunday

Information at 718.549.3200. On the web at wavehill.org. 

Monday, July 27, 2026

Governor Hochul Urges Caution Ahead of Heavy Rain and Flash Flooding


Prolonged Rain, Possible Thunderstorms and Potential for Flash Flooding Expected Statewide Tuesday Through Wednesday

Mid-Hudson, New York City and Long Island Regions at Highest Risk with Moderate Chance – 40 to 70 Percent Chance – for Flash Flooding

Two to Five Inches of Rain Over Two Days with Localized Peak Rainfall Totals of up to Six Inches Possible; Catskills Could See Six to Eight Inches of Rainfall Through Wednesday Morning

New Yorkers Encouraged to Sign Up for Weather and Emergency Alerts by Texting 333111


Governor Kathy Hochul today urged New Yorkers to exercise caution ahead of a storm forecast to bring heavy rain throughout the state Tuesday and Wednesday with flash flooding likely. Beginning Tuesday, a weather system will stall over the state bringing prolonged rain, thunderstorms and flash flooding. The Mid-Hudson, New York City and Long Island regions have a Moderate or 40 to 70 percent chance for flash flooding, while the Capital Region and Mohawk Valley have a Slight risk or 15 to 40 percent chance. The rest of the state has a Marginal flash flood risk or 5 to 15 percent chance. Widespread rainfall totals of two to five inches are likely, with localized peak totals of six inches of rainfall possible. Areas across the Catskills could see totals of six to eight inches of rainfall through Wednesday morning. With heavy rain, scattered flash flooding is likely, which will make travel hazardous due to ponding water and reduced visibility.

“New York State will be experiencing a prolonged rain event beginning Tuesday that will bring heavy rains and cause flash flooding – New Yorkers should stay vigilant, stay informed, and use caution,” Governor Hochul said. “As State agencies are ready and mobilized to keep New Yorkers safe, it is important for everyone to do their part by monitoring your local forecast and when in doubt, turn around, don’t drown.”

Residents are encouraged to monitor their local forecasts, weather watches and warnings. For a complete listing of weather alerts, visit the National Weather Service website.

New Yorkers should ensure that government emergency alerts are enabled on their mobile phones. They should also sign up for real-time weather and emergency alerts that will be texted to their phones by texting their county or borough name to 333111.

Tips to stay safe when there is the potential for flash flooding:

Before and During the Storm

  • Stay Informed: Monitor your local weather forecast and follow any warnings that may be broadcast.
  • Follow Instructions from Local Officials: If you are advised by emergency officials to take immediate action such as evacuation, do not wait — follow all orders promptly.
  • Do Not Walk, Swim or Drive Through Floodwaters: One foot of moving water can sweep a vehicle away. If you have doubts, remember: “Turn Around, Don't Drown!”
  • Know your evacuation route and how to get to higher ground.
  • Know your area's type of flood risk — visit FEMA's Flood Map Service Center.
  • Have a flood emergency plan in place that includes considerations for your children, pets and neighbors.
  • Have an emergency go bag ready to grab for you, your family and your pets that includes any medications you may need.
  • Check in with elderly neighbors or those who may have mobility issues.
  • Do not touch downed power lines.
  • Keep your phone charged.
  • Keep a small disaster supply kit in the trunk of your car.

After Flood Waters Have Receded

  • Wait until an area has been declared safe before entering. Be careful driving, since roads may be damaged and power lines may be down.
  • If your home or apartment has been flooded, DO NOT turn on electrical appliances until an electrician has checked the system and appliances.
  • Throw out any medicine or food that may have had contact with flood waters.
  • Keep your automobile fueled. If electric power is cut off, gasoline stations may not be able to pump fuel for several days.
  • Do not touch downed power lines.
  • For more preparedness information and safety tips from the New York State Division of Homeland Security and Emergency Services, visit dhses.ny.gov. The National Weather Service website also includes Flood Safety Tips. 

ICE Asks Idaho to not release Criminal Illegal Alien Charged with Kidnapping and Sexually Assaulting a Teenager

 

7 of the 10 safest cities cooperate with ICE 

The United States Department of Homeland Security (DHS) released the following statement after U.S. Immigration and Customs Enforcement (ICE) lodged a detainer asking Idaho officials to not release an illegal alien charged with kidnapping and sexually assaulting a teenager

According to local reporting, the incident occurred on July 23 at a park in Star, Idaho. A 15-year-old girl was sexually assaulted by the criminal illegal alien who then left the park with her in his vehicle. The victim was eventually located and reunited with her family. The next day, police in Boise arrested Jose Alberto Lozano-Flores, a criminal illegal alien from Mexico. 

Jose F

Jose Alberto Lozano-Flores 

Lozano-Flores is now facing charges of lewd conduct with a child, kidnapping for the purpose of ransom or committing rape, and resisting or obstructing officers. 

“This criminal illegal alien is accused of kidnapping and sexually assaulting a teenage girl in Idaho,” said Assistant Secretary Lauren Bis. “ICE will work with our partners in Idaho to ensure that he is not released from jail and is never loose in American communities again. When state politicians cooperate with us, we are able to keep criminals out of American neighborhoods.” 

Lozano-Flores illegally entered the United States through New Mexico in 2023. He was encountered by Border Patrol agents and agreed to voluntarily return to Mexico. He then illegally re-entered the country at an unknown date and location. 

Illegal Alien, Convicted Felon, and Austell Man Face Federal Charges Following Tri-County Narcotics Operations

 

An illegal alien from Mexico, a convicted felon, and an Austell man appeared in federal court to answer criminal complaints charging them with narcotics offenses following operations across metro Atlanta that resulted in the seizure of more than 280 pounds of methamphetamine, over four pounds of fentanyl, and two illegally possessed firearms. 

“Due to quick actions and diligent work of law enforcement across the region, the operations of these three alleged drug traffickers have been dismantled,” said U.S. Attorney Theodore S. Hertzberg. “My office stands committed to prosecute—to the fullest extent of the law—illegal aliens, felons, and others who poison and endanger our communities.” 

“Drug traffickers continue to distribute fentanyl, methamphetamine, and other illicit drugs, which pose a significant threat to public safety,” said Jae W. Chung, Special Agent in Charge of the DEA Atlanta Field Division. “These federal charges reflect our unwavering commitment to protect the public and disrupt the criminal organizations responsible for this deadly trade. We will continue working with our federal, state, and local law enforcement partners to stop fentanyl and other dangerous drugs at every level of distribution.”

According to U.S. Attorney Hertzberg, the criminal complaints, and other information presented in court: 

On July 21, 2026, DEA agents arrested Silvano Mendoza-Valencia in Morrow, Georgia, after he allegedly sold approximately two pounds of methamphetamine to a drug customer. Following his arrest, agents searched his residence and located approximately 85 pounds of methamphetamine and two pounds of fentanyl in his bedroom. The investigation further revealed that Mendoza-Valencia is allegedly an illegal alien from Mexico.

On July 22, 2026, DEA agents stopped Christian Garcia-Esparza in Austell, Georgia, after he allegedly sold more than six pounds of methamphetamine to a drug customer. Agents searched Garcia-Esparza’s car and located an additional ten pounds of methamphetamine on the floorboard and in a gift bag. Thereafter, agents searched his residence and located approximately 100 pounds of methamphetamine scattered throughout the residence and backyard. 

That same day, DEA agents searched Robert Louis Burr’s College Park, Georgia apartment and found Burr next to a kitchen drawer containing two pounds of fentanyl. In the living room, agents allegedly found approximately 30 pounds of methamphetamine in a luggage case, 20 pounds of methamphetamine in a trash bag, and two firearms, including a FN57 semiautomatic pistol loaded with armor-piercing ammunition. Burr was previously convicted of multiple felony drug trafficking and weapons offenses and thus was not legally permitted to possess a firearm. 

Earlier this week, Silvano Mendoza-Valencia, 40, of Mexico, and Robert Louis Burr, 45, of College Park, Georgia, appeared in federal court on separate criminal complaints charging them with conspiracy and possession with intent to distribute controlled substances. Today, Christian Garcia-Esparza, 20, of Austell, Georgia, will appear in federal court on a criminal complaint charging him with the same offenses. All three defendants are presently detained in the custody of the U.S. Marshals. 

Members of the public are reminded that the criminal complaints contain only charges. The defendants are presumed innocent of the charges, and it will be the government’s burden to prove the defendants’ guilt beyond a reasonable doubt at trial.

These cases are being investigated by the Drug Enforcement Administration, with valuable assistance provided by the Alpharetta Police Department, Cobb County Police Department, Clayton County Police Department, Forsyth County Sheriff’s Office, Georgia Bureau of Investigation, Gwinnett County Sheriff’s Office, Heard County Sheriff’s Office, Hiram Police Department, Marietta-Cobb-Smyrna Narcotics Unit, Marietta Police Department, Richmond County Sheriff’s Office, Roswell Police Department, Sandy Springs Police Department, and the U.S. Postal Inspection Service.

This case is part of Operation Take Back America, a nationwide initiative that marshals the full resources of the Department of Justice to repel the invasion of illegal immigration, achieve the total elimination of cartels and transnational criminal organizations (TCOs), and protect our communities from the perpetrators of violent crime.

Bloods Leader Arrested For Racketeering And Murder

 

Candice Johnston, a/k/a “Queen,” Led the Bloods’ Red Life Militia Set and Ordered the Cold-Blooded Robbery and Murder of Noel Farrow on May 31, 2017

United States Attorney for the Southern District of New York, Jay Clayton, Acting Special Agent in Charge of the New York Field Office of Homeland Security Investigations (“HSI”), Pete Gizas, and the Commissioner of the New York City Police Department (“NYPD”), Jessica S. Tisch, announced the unsealing of a four-count Indictment charging CANDICE JOHNSTON, a/k/a “Queen,” with racketeering conspiracy, murder in aid of racketeering, murder through the use of a firearm, and conspiring to traffic firearms in connection with JOHNSTON’s long-running leadership of the Red Life Militia gang, one of the sets of the nationwide Bloods gang.  JOHNSTON was arrested this morning and was presented today in Manhattan federal court before U.S. Magistrate Judge Katharine H. Parker.  The case is assigned to U.S. District Judge John P. Cronan. 

“As alleged, Candice Johnston, known as ‘Queen,’ was a leader of a violent set of the Bloods gang calling themselves the Red Life Militia,” said U.S. Attorney Jay Clayton.  “During Johnston’s reign, on May 31, 2017, she ordered the brutal robbery and murder of Noel Farrow in the Bronx.  The people of the Bronx did not ask for, want, or deserve a destructive, self-proclaimed ‘militia,’ led by criminals in their neighborhood.  New Yorkers deserve to live safely in their neighborhoods, free from the influence of gangs like that which Johnston led and glorified.  The women and men of this Office will continue to relentlessly pursue and dismantle violent street gangs that jeopardize the safety of our communities.” 

“As alleged, Candice Johnston led a violent Bloods set built on murder, armed robbery, gun and narcotics trafficking, promotion of prostitution, and other serious crimes,” said HSI Acting Special Agent in Charge Pete Gizas.  “By allegedly directing the robbery and murder of a former drug supplier and receiving illegal firearms trafficked from North Carolina to the Bronx, she stands accused of introducing lethal firepower and bloodshed into a Bronx neighborhood.  Together with our law enforcement partners, HSI will do everything in our power to keep New Yorkers safe.” 

“Candice Johnston served as the leader of the Bloods’ Red Life Milita, allegedly trafficking guns and drugs across the city, brazenly touting her gang affiliation on social media, and ordering the cold-blooded murder of a drug supplier,” said NYPD Commissioner Jessica S. Tisch.  “Her arrest is the direct result of the NYPD’s precision policing strategy at work: dismantling gangs, taking guns off our streets, and holding those who commit violence accountable.  I thank HSI and the U.S. Attorney’s Office for the Southern District of New York for their partnership in this case and their continued work to keep New Yorkers safe.” 

As alleged in the Indictment, other publicly filed documents, and statements made in court:(1)

JOHNSTON was the leader of the Red Life Militia, a subset of the United Blood Nation (“UBN”), a faction of the nationwide Bloods street gang.  The Red Life Militia gang engaged in, among other activities, acts involving murder, assault, gun trafficking, narcotics trafficking, promotion of prostitution, and robberies.  JOHNSTON frequently publicized her leadership in Red Life Militia through social media, displaying gang signs, tattoos, and other insignia of the gang, some of which include the following:

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On May 31, 2017, JOHNSTON ordered a subordinate member of her gang to rob and murder Noel Farrow—a former drug supplier to the gang—in the Bronx, New York, which resulted in Farrow’s death from gunshot wounds. 

JOHNSTON also received firearms that had been illegally obtained in North Carolina and transported to JOHNSTON in the Bronx.

JOHNSTON, 44, of the Bronx, New York, is charged with racketeering conspiracy, which carries a maximum sentence of life in prison; murder in aid of racketeering, which carries a mandatory minimum term of life in prison or death; murder through the use of a firearm, which carries a maximum sentence of life in prison or death; and conspiracy to receive firearms from out of state, which carries a maximum term of five years in prison.

The statutory minimum and maximum penalties are prescribed by Congress and provided here for informational purposes only, as any sentencing of the defendant will be determined by the judge.

Mr. Clayton praised the outstanding investigative work of Special Agents and Task Force Officers of HSI, the NYPD and their Intelligence Section, the Digital Forensics Unit, and the Complex Analytics and Social Media Enhancement Team at the New York/New Jersey High Intensity Drug Trafficking Area, as well as the Special Agents and Task Force Officers assigned to the U.S. Attorney’s Office for the Southern District of New York.  Mr. Clayton also thanked the Federal Bureau of Investigation for its invaluable assistance.

The case is being handled by the Office’s Violent Organizations and Crime Unit.  Assistant United States Attorneys Alexandra S. Messiter and Michael R. Herman are in charge of the prosecution.

The charges contained in the Indictment are merely accusations, and the defendant is presumed innocent unless and until proven guilty.

  1.  As the introductory phrase signifies, the entirety of the text of the Indictment and the description of the Indictment set forth herein constitutes only allegations and every fact described should be treated as an allegation.

Adult Day Care Owner Pleads Guilty to $500,000 Medicare Fraud Scheme

 

A Michigan woman pleaded guilty today to billing Medicare for psychotherapy services that were never provided to residents of her adult day care center.

According to court documents, Yolanda Matthews, 58, of Farmington Hills, admitted to continually billing and submitting false and fraudulent claims to Medicare for psychotherapy services that were never provided. Matthews admitted to fraudulently billing for providing services at her adult day care center during periods in which the Medicare beneficiary was actually admitted to a hospital, forging claims in the names of social workers who were no longer employed at the adult day care center, and even billing Medicare for providing psychotherapy services to beneficiaries after they had died. All told, Matthews submitted over $539,000 in false and fraudulent claims to Medicare.    

Matthews was charged as part of the 2026 National Health Care Fraud Takedown. Matthews pleaded guilty to conspiracy to commit health care fraud. She is scheduled to be sentenced on Nov. 18, 2026, and faces a maximum penalty of 10 years in prison. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors.

Assistant Attorney General Colin M. McDonald of the Justice Department’s National Fraud Enforcement Division; Assistant Attorney General A. Tysen Duva of the Justice Department’s Criminal Division; Special Agent in Charge Reuben Coleman of the FBI Detroit Field Office; and Special Agent in Charge Thomas Ethridge of the Department of Health and Human Services Office of Inspector General (HHS-OIG) made the announcement.

The FBI Detroit Field Office and HHS-OIG investigated the case.

Trial Attorney Jeffrey A. Crapko of the Criminal Division’s Fraud Section is prosecuting the case.

On April 7, the Department of Justice announced the creation of the National Fraud Enforcement Division (“Fraud Division”). The Fraud Division is laser-focused on investigating and prosecuting those who commit fraud against the American people. The Department’s work to combat fraud supports President Trump’s Task Force to Eliminate Fraud, a whole-of-government effort chaired by Vice President J.D. Vance to eliminate fraud, waste, and abuse within Federal benefit programs

The Department of Justice’s Health Care Fraud Strike Force Program, currently comprised of nine strike forces operating in federal districts across the country, has charged more than 6,200 defendants who collectively billed federal health care programs and private insurers more than $45 billion since 2007. In addition, the Centers for Medicare & Medicaid Services, working in conjunction with the Office of the Inspector General for the Department of Health and Human Services, are taking steps to hold providers accountable for their involvement in health care fraud schemes. More information can be found at www.justice.gov/criminal-fraud/health-care-fraud-unit.

Gunman Pleads Guilty to Daytime Robbery of Brinks Armored Truck in Queens

 

Defendant Brandished a Firearm and Made Off With More Than $500,000

Earlier today, in federal court in Brooklyn, David Ortiz pleaded guilty to conspiracy to commit bank robbery, bank robbery, and brandishing a firearm during a crime of violence in connection with the gunpoint robbery of a Brinks armored truck transporting money belonging to a Bank of America branch. The proceeding was held before United States Magistrate Judge Peggy Kuo.  When sentenced, Ortiz faces a mandatory minimum sentence of seven years’ imprisonment for brandishing a firearm, in addition to any sentence imposed for the bank robbery charges, and restitution.

Joseph Nocella, Jr., United States Attorney for the Eastern District of New York, James C. Barnacle, Jr., Assistant Director in Charge, Federal Bureau of Investigation, New York Field Office (FBI), and Jessica S. Tisch, Commissioner, New York City Police Department (NYPD), announced the guilty plea. 

“The defendant planned and carried out a violent armed robbery in broad daylight, threatening Brinks armored truck employees with a firearm while stealing more than half a million dollars destined for a neighborhood bank,” stated United States Attorney Nocella.  “This calculated crime may have looked like a scene out a movie, but it was terrifyingly real, and placed the victims in fear for their lives.  Today’s guilty plea ensures that the defendant will face the consequences of his violent actions.”

"This was a brazen, violent crime that put innocent people in immediate danger. The FBI and NYPD moved quickly to track down David Ortiz to ensure he faced federal charges,” stated FBI Assistant Director in Charge Barnacle.  “Violent robberies have absolutely no place in New York, and we will not hesitate to go after those who threaten our communities. Our work with our partners has led to this guilty plea.”

“This defendant planned and executed an armed robbery outside a bank in Queens, threatening employees at gunpoint and stealing more than $500,000 from an armored truck,” stated NYPD Commissioner Tisch. “He thought he could get away with this dramatic crime, but his plan was no match for the skilled NYPD detectives and the investigative tools they used to track and arrest him. I thank our investigators and the U.S. Attorney’s Office for the Eastern District of New York for working to hold this criminal accountable.”

According to court filings and statements made during the plea hearing, on the morning of June 2, 2025 at approximately 8:43 a.m., Ortiz and an accomplice, both wearing masks and armed with guns, staged an ambush outside a Bank of America branch located at 205-02 Linden Boulevard in Queens, New York.  The pair arrived before the scheduled cash delivery and waited for Brinks employees to transport money from an armored truck into the bank. When the employees began wheeling a bag of cash toward the bank entrance, Ortiz brandished a firearm, ordered the employees to the ground, and stole the service weapon of one of the armored car guards.  At the same time, Ortiz’s accomplice loaded the bag containing approximately $542,000 into a Chevrolet sport utility vehicle which did not have license plates.  The two men then fled with the stolen cash.  Later, NYPD officers recovered a mask, a jacket, and a firearm discarded by Ortiz in the vicinity of Hilburn Avenue and Dunkirk Street.  The stolen cash has not been recovered and Ortiz’s accomplice remains at large.  

Attorney General James Urges Congress to Strengthen Oversight of Cryptocurrency Companies to Stop Scams

 

AG James Submits Testimony to Senate Calling for Stronger Regulations on Cryptocurrency Platforms to Protect Consumers and Investors 

New York Attorney General Letitia James today called on Congress to implement stronger regulations on the cryptocurrency market to protect consumers and investors from scams. In written testimony delivered to the Senate Committee on Homeland Security and Governmental Affairs’ Permanent Subcommittee on Investigations, Attorney General James details the flood of cryptocurrency scams costing Americans billions of dollars every year. Attorney General James also describes how the Digital Asset Market Clarity Act (Clarity Act) would restrict state and local law enforcement, making it harder for the Office of the Attorney General (OAG) to continue its nation-leading efforts to crack down on cryptocurrency scams and hold platforms that violate the law accountable.

“My office has been leading the fight against cryptocurrency fraud,” testified Attorney General James. “Our rules-based market system gives people confidence that they can do business here. Without adequate laws and regulations, financial crises ensue. We urge Congress to safeguard our financial markets and protect America’s investors, their future, our economy, and national security.”

Attorney General James’ testimony comes as Congress is considering the Clarity Act, which would give oversight of digital assets to the Commodity Futures Trading Commission and override state regulation of digital markets. Attorney General James testifies that this would severely undermine the ability of states to protect their residents from scams. In New York alone, complaints to OAG about cryptocurrency scams have tripled over the last three years. In the past five years, cryptocurrency scam losses reported to the OAG totaled nearly half a billion dollars, while investors lost billions more due to the bankruptcies of various cryptocurrency companies.

The OAG has led the nation in holding cryptocurrency companies accountable for failing to protect investors from scams. In 2021, OAG brought the first and only enforcement action against the largest stablecoin issuer, Tether, for recklessly and unlawfully covering up massive financial losses from investors. The OAG has secured tens of millions of dollars in refunds and fines from major cryptocurrency brokers that violated New York law or failed to protect investors from scams, including Coin Café, Gemini and Genesis, and KuCoin.

In the written testimony submitted today, Attorney General James calls on Congress to increase transparency in cryptocurrency markets to protect Americans from scams and prevent the funding of criminals, cartels, and foreign enemies. Attorney General James asserts that this increased transparency is also critical to the integrity of America’s democracy. The fact that cryptocurrency transactions cannot be traced to an individual makes it impossible to know whether elected officials’ financial disclosures are accurate, whether bribes are being paid or received, or whether elected officials are acting in the best interests of the American public.

This anonymity also obscures violations of the Constitution’s emoluments clause, which prohibits financial gifts from foreign actors, and further undermines enforcement of existing federal conflicts-of-interest and campaign finance laws. Attorney General James urges Congress to ban elected officials and those who recently served in government from any involvement in regulating cryptocurrency to ensure they are overseeing an industry from which they may be profiting. Attorney General James urges Congress to instead pass a cryptocurrency bill that would:

  • Require cryptocurrency platforms to comply with anti-money laundering laws, know-your-customer regulations, and cybersecurity protocols to prevent the use of cryptocurrency to finance terrorism, adversarial regimes, and crime.
  • Require a closed-loop market so noncompliant institutions, companies, and countries cannot participate.  
  • Prohibit cryptocurrency that cannot be fully traced, such as those going through money laundering mixers, from being converted to U.S. dollars. 
  • Not exempt cryptocurrency from existing money transmission, commodities, and securities laws.
  • Require cryptocurrency platforms to engage in surveillance to identify anomalous patterns, ward off manipulation, and locate bad actors.
  • Require platforms and intermediaries to protect Americans from fraud and scams and hold cryptocurrency companies financially liable for failing to do so, similar to the Electronic Funds Transfer Act.