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Appeals court reinstates NY NatWest-Hamas lawsuit

By WTOP Staff

LARRY NEUMEISTER
Associated Press

NEW YORK (AP) — A federal appeals court on Monday reinstated a lawsuit in which victims of terrorist attacks in Israel accused the National Westminster Bank of supporting Hamas, just hours before a Brooklyn jury ruled against a bank in a similar case.

The 2nd U.S. Circuit Court of Appeals in Manhattan said the roughly 200 U.S. nationals who brought the lawsuit in 2005 are entitled to a trial to prove their claims against the bank, which is headquartered in the United Kingdom and is a member of the Royal Bank of Scotland Group. The plaintiffs had sought unspecified damages.

Shannon Lynch, a spokeswoman for lawyers representing the bank, declined to comment Monday.

The lawsuit claiming that NatWest violated U.S. laws by providing material support and resources to a terrorist organization had been tossed out by a Brooklyn judge. Hamas was designated by the U.S. State Department as a terrorist organization in 1997.

The lawsuit said the bank provided support by maintaining accounts and transferring funds for the Palestine Relief & Development Fund, also known as Interpal, from 1987 until 2007. The lawsuit said the organization provided support for Hamas. Interpal was designated by the U.S. Treasury Department as a specially designated global terrorist in August 2003.

In its ruling, the 2nd Circuit said the lower court judge had used the wrong legal standard in deciding to dismiss the lawsuit.

Michael Elsner, a lawyer for the plaintiffs, called the ruling “a victory for victims of terrorism which seek to hold terrorist financiers liable, including financial institutions.”

He said in an email that the appeals court had made it clear that “liability may be found where a defendant knowingly or with deliberate indifference provides material support to a terrorist organization.”

He said the ruling also is significant because the appeals court held that what matters is whether U.S. law is violated and not whether the alleged conduct was legal in a foreign jurisdiction.

The decision reinstating the case comes just days after a jury in Brooklyn began deciding whether executives at Jordan-based Arab Bank should be held responsible for a wave of suicide bombings in the early 2000s that left several Americans dead or wounded.

On Monday, the jury returned its verdict, finding that the Arab Bank should be held liable. A separate penalty phase will follow. Plaintiff’s lawyer Gary Osen said it was the first time a bank has been found liable for knowingly supporting a terrorist group under the Anti-Terrorism Act, which allows victims of U.S. designated foreign terrorist organizations to seek compensation.

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Associated Press Writer Tom Hays contributed to this report

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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