Economist and policy analyst Phil Kerpen joined Wake Up Tri-Counties to discuss how new credit card regulations could shake up wallets and businesses across Illinois and the nation. Phil Kerpen, president of American Commitment, explains that capping credit card interest rates at 10%—an idea floated by politicians across the spectrum—could make it all but impossible for most Americans to get a card at all, since lenders rely on higher rates to offset risk. Meanwhile, a new Illinois law starting July 1st will prevent credit card fees from being charged on sales tax and tips, potentially requiring double transactions at restaurants and retailers. Experts warn these changes could trigger a drop in rewards programs and even push airlines into bankruptcy.

Phil Kerpen is fiercely criticizing proposed 10% interest rate caps on credit cards, calling them “disastrous” price controls. He warns that millions—especially subprime borrowers—could lose access to credit if banks can’t cover losses from risk and fraud. Kerpen contends such caps would force lenders to cut off high-risk consumers, dismantle popular rewards programs, and replicate historical failures from past government intervention in markets. He targets both Donald Trump and progressive politicians for supporting the cap, warning of a potential “government-run lending” scenario. Kerpen remains adamant that market forces, not regulations, should determine credit card interest rates.

American Commitment is taking an active role in shaping U.S. policy debates centered on free markets and limited government. Under the leadership of Phil Kerpen, the organization works to influence outcomes through advocacy, strategic analysis, and grassroots mobilization. By collaborating with key partners, American Commitment provides swift and impactful policy research aimed at advancing economic growth and safeguarding property rights. Kerpen’s background, including his time at Americans for Prosperity and other major organizations, brings substantial expertise to the cause. The group aims to bridge the gap between policy research institutions and on-the-ground activism, amplifying the free-market voice nationwide.

RaeAnn Tucker joined Wake Up Tri-Counties to discuss STI Awareness Month and Week, the community outreach event in Toulon, family planning services, Lab Special, and insurance navigators. The Henry and Stark County Health Departments, in partnership with First Choice Healthcare Clinics, are bringing their “12 Communities, 12 Months” series to Toulon on April 29th. From 7:30 to 9:30 at West Main Coffee & Books, residents can safely dispose of old medications, receive a free blood pressure check, and access health information. Insurance navigators will also be on hand to answer coverage questions. The event aligns with STI Awareness Month, emphasizing the importance of regular testing for young people. For service details or to schedule confidential appointments, call First Choice Healthcare or visit henrystarkhealth.com.

Samantha Rux from OSF HealthCare joined Wake Up Tri-Counties to discuss the Braveheart Children's Advocacy Center's annual Superhero 5K, in which OSF Saint Luke is a sponsor and participant, National Donate Life Month, the Flag-Raising Ceremony, and the Golf Classic's return. The Braveheart Children's Advocacy Center is gearing up for its annual Superhero 5K and resource fair this Saturday, April 18th, at the entrance to Baker’s Park. The event features family-friendly activities like bubbles for kids and an array of local resource tables. OSF HealthCare will be on hand as a sponsor and participant. April marks National Donate Life Month. Organ and tissue donation awareness takes center stage this month, as OSF HealthCare gears up for its annual flag-raising ceremony on April 28th. The event will feature a local family sharing their donation story, highlighting the life-saving importance of this cause. Golfers can also get excited—the OSF Golf Classic returns June 1st, with team registrations and sponsorships now open on OSF’s Facebook page and website. As the golf season gets underway, experts stress the importance of stretching and hydration to prevent injury, along with sun protection—even on cloudy days.

Kewanee Mayor Gary Moore and newly appointed City Manager Kasey Mitchell joined Wake Up Tri-Counties to talk about the decision to offer the role to the first-ever female, Kasey Mitchell. Kewanee has named Kasey Mitchell as its new City Manager after a period serving in the interim role. Mayor Gary Moore spoke highly of Mitchell’s transition, explaining that while she was initially hesitant to take the permanent position, her confidence grew with support from staff and council. Mayor Moore emphasized the city’s open application process and expressed pride in hiring Kewanee’s first female city manager, describing the decision as the easiest of his tenure. Mitchell highlighted the strength of her team and the importance of collaboration, organization, and leadership. The city will now seek a part-time City Clerk to fill her previous post.

Residents in Galva are advised that hydrant flushing is underway across town, starting in the southeast near the park district and moving through other areas this week. Locals may experience discolored water and should run taps until the water clears before doing laundry. The city council discussed contract renewal with Home Count Consulting to continue downtown improvements, including work at the historic Opera House. The former Appel Chevrolet building is now open for retail business proposals. A recent grant of $8,000 supports tree planting, with further funding to help manage city-owned trees. The grant will help with new plantings and removals, reinforcing the city’s ongoing commitment to maintaining its “tree city” status. Galva’s Freedom Fest received a generous $12,500 donation from Berkshire Hathaway for the July fireworks show. City council approved an intergovernmental agreement for ordinance violation appeals with neighboring towns.