Afro e-Edition 04-18-2025

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C elebrating NATIONAL FINANCIAL LITERACY MONTH

10 years later: Leaders speak on death of Freddie Gray and Baltimore’s struggle for change

It’s been 10 years since 25-year-old Freddie Gray was arrested on April 12 by Baltimore police and suffered a fatal spinal cord injury while in custody. His April 19, 2015 death cast a national spotlight on Baltimore, sparking citywide protests. On the day of his funeral, April 27, riots broke out. The movement fueled a growing call for police accountability.

Today, faith and community leaders are still grappling with the tragedy and what’s changed— and what

hasn’t— in Baltimore since Gray’s life ended shortly after coming into contact with Baltimore police officers.

Pastor Harold Carter Jr., of New Shiloh Baptist Church, recalled hearing about the “rough ride” Gray was subjected to. Though Gray was handcuffed and shackled, the police officers who arrested him did not secure him with a seatbelt, a violation of the Baltimore Police Department’s (BPD) policy.

Carter remembers hearing that some BPD members had a pattern of engaging in this behavior.

“There was a certain group of police officers who, when they picked up people, put

them in the back of the paddy wagon. Even though they were restrained, they were not seat-belted,” said Carter. “They were driven through the city, and there were certain curves where they got slammed around.”

Carter recalls wanting more information about the reason for Gray’s arrest.

On the morning of April 12, 2015, Gray was standing on a street corner in the Sandtown-Winchester neighborhood when he made eye contact with Lieutenant Brian Rice, a police officer on bike patrol for BPD. Gray subsequently fled, and Rice chased after him.

Officers Garrett Miller and

Edward Nero, who were also on bike patrol, joined Rice in his pursuit. Gray surrendered to Miller after the officer threatened to use his taser. While apprehending Gray, the officers discovered what they believed to be an illegal switchblade knife.

A recording exists of Gray being arrested. As he is put into the police van he screams in pain. He was then transported in a police van for nearly 40 minutes— shackled and unbelted. By the time he arrived at the police station, he had sustained a severe spinal cord injury during the ride, likely from hitting his head on the interior of the van. Reports from

the Department of Justice say authorities did not believe he was actually injured, but instead of being booked, Gray was taken to a hospital. There, the 25-year-old fell into a coma and later died on April 19, 2015 as a result of his injuries.

Though Baltimore State’s Attorney Marilyn Mosby charged all of the officers involved in Gray’s arrest and death with crimes ranging from manslaughter, assault, misconduct in office and false imprisonment, none were ultimately convicted.

None of the officers were fired from their posts either.

“It was alarming because it seemed as though it did

Fight over return of wrongfully deported Maryland man heats up

Salvadoran President Nayib Bukele has said he will not release a Maryland father who was wrongly deported to a notorious El Salvador mega prison last month.

Kilmar Abrego Garcia was detained by Immigration and Customs Enforcement (ICE) on March 12 and sent to the Central American country’s terrorism confinement center known as “CECOT” on March 15. His deportation defied a 2019 order from a U.S. immigration judge that protected him from deportation to El Salvador due to credible threats to his life from gangs in the country.

Though the U.S. Supreme Court has instructed the U.S.

government to “facilitate” his return, during an April 14 Oval Office meeting with the 47th president, Bukele said helping Abrego Garcia return would be “preposterous,” according to AP reporting.

“The question is preposterous. How can I smuggle a terrorist into the United States?” said Bukele to reporters in the Oval Office on April 14. “I don’t have the power to return him to the United States.”

Maryland legislator doubles down Bukele’s response came one day after a meeting request from Senator Chris Van Hollen (D-Md.).

Upon learning that El Salvador has no intentions of helping to facilitate Abrego Garcia’s return, the Maryland senator reiterated his plans to travel to the Central American country if Abrego Garcia is not back in the states this

week.

“I’ve made clear that if we can’t meet here, I do intend to go to El Salvador to discuss the release of this individual who is illegally detained— a Maryland man, who is the father of three in a notorious prison in El Salvador,” said Van Hollen, in an April 14 video on his X account. “I believe the president of El Salvador will recognize why it’s important to allow him to return to the United States of America because it is absolutely unjust and illegal to have this Marylander detained one more day in a notorious prison in El Salvador.”

Van Hollen pointed out that the 47th president could have requested that Bukele return Abrego Garcia to the U.S., but he didn’t— something he was not surprised about. The 47th presidential administration maintains that

Abrego Garcia is a member of the MS-13 gang, though none of these claims have been substantiated and no charges have been brought against him.

“This is an administration that has lied about Mr. Abrego Garcia. The vice president of the United States tweeted out that he has a criminal record. That was a lie. They’re just lying,” continued Van Hollen. “They’ve gotten caught lying. They don’t want to admit it. They have an obligation to bring him home, but I will say the president of El Salvador should not now take it upon himself to say that he is detaining him for one more day because that is kidnapping.”

Hundreds caught up in U.S.Salvadoran CECOT deal

not have to be that way. There were rumblings as to whether or not police were getting away with something or whether they were trying to cover up what had actually happened,” said Carter. “There was also a certain sense of helplessness because you didn’t know where to go to get the ‘right’ truth.” Billy Murphy, the attorney for Gray’s family, reached out to Carter to ask him to hold his funeral service at New Shiloh Baptist Church. The church is located in the Mondawmin neighborhood, just a short distance from where Gray grew up in Sandtown-Winchester.

In 2025, the 47th president entered into a deal with Bukele in which the U.S. will pay $6 million annually to detain individuals deported from the U.S. in El Salvador’s CECOT prison. These individuals include those that the administration suspects to be members of gangs, like MS-13 and Tren de Aragua.

CASA via AP Maryland resident Kilmar Armando Abrego Garcia remains jailed in an El Salavadoran mega prison, a month after his unlawful deportation from the U.S. on March 15.
AP Photo/Patrick Semansky
AP Photo/Jose Luis Magana
AP Photo/Patrick Semansky
Ten years after Freddie Gray’s tragic death Baltimore’s faith and community leaders continue to reflect on the brutal incident that shook the nation. Gray died April 19, 2015 from a severe spinal injury sustained during an April 12, 2015 arrest by Baltimore police. His death sparked protests and on the day of his April 27, 2015 funeral at New Shiloh Baptist Church, riots broke out. While progress in police reform and accountability has been made, advocates say the fight for racial justice and the dismantling of systemic inequalities in Baltimore is far from over.

BALTIMORE-AREA

Baltimore Mayor Brandon M. Scott unveils $4.6 billion budget plan to tackle $85 million deficit

Baltimore Mayor Brandon M. Scott released his $4.6 billion preliminary budget for fiscal year 2026 on April 2 with a plan to eliminate an $85 million deficit. The shortfall has been brought on by the city’s expenditures outpacing its revenue, much like the state of Maryland.

Some of the factors that influenced the budget deficit include wage and benefit increases for city personnel, growing debt service costs, impacts from inflation and coping with the strain from state budget woes and federal fiscal uncertainty.

“This budget isn’t just a financial plan for Baltimore, it is a roadmap for our future. It’s a strategy to drive economic growth, make government more efficient and invest in the health and wellness of Baltimoreans even in the face of serious uncertainty at the federal and state level,” said Scott at an April 2 press conference. “It balances our checkbook without cutting core services.”

Scott recalled years past when the city shifted the financial burden onto the people to maintain a balanced budget, whether through closing recreational centers or furloughing municipal employees. His budget does not take this route. It instead expands investments in youth programming, neighborhood development, public safety and health resources.

To close the deficit, the budget includes proposals to increase

landfill dumping fees from $67.50 to $135 per ton of waste, hike emergency transport fees for non-Medicaid recipients by 20 percent, raise the city’s taxi tax from $0.25 to $0.38 per ride and redeploy traffic cameras.

“We promised we wouldn’t make ends meet by taking necessary investments from our kids or first responders. Through diligent work across agencies and some tough choices, I am grateful that we have been able to honor that commitment,” said Scott. “Our proposed budget fills the gap without cuts to city services, layoffs or any increases in property or income taxes.”

The proposed budget invests

‘Who’s Who in Black’ highlights best of Baltimore

The AFRO, in partnership with Real Times Media, hosted the “Who’s Who in Black Baltimore” awards reception on April 9, at the Baltimore Marriott Waterfront. The evening honored individuals who exemplify excellence, leadership and impact within Baltimore’s Black community.

“Turbulent times demand the best of our business and civic leaders, and Who’s Who recognizing the people who are shaping our future, addressing our challenges and leading with inspiration couldn’t come at a better time,” said Mark Thomas, president and CEO of the Greater Baltimore Committee.

The event, he added, fuels “even greater commitments from those honored and help path the way for others seeking footsteps to follow.”

Among the honorees were Black leaders who have shaped Baltimore’s cultural, civic and professional landscapes, including legal luminary William H. Murphy Jr., an attorney, former judge and managing partner of the Murphy, Falcon and Murphy law firm.

“I feel immense gratitude for such a wonderful award,” Murphy said.

Whitney Brown, communications director for the Baltimore Symphony Orchestra, was also among the list of Who’s Who.

“ It means a lot to be included in this group of changemakers,” she said.

The reception began at 6 p.m. with an hour of networking, followed by the formal awards presentation at 7 p.m. This year’s

CORRECTION:

celebration included categories such as Living Legends, Game Changers and Most Influential, as well as a special Lifetime Achievement Award presentation.

As the AFRO celebrates over 130 years of Black journalism and advocacy, its role as presenting partner reflected its commitment to honoring Baltimore’s rich legacy and promising future.

“We believe it’s always the right time to celebrate Black excellence,” said Lenora Howze, executive director of the AFRO. “But especially now—when cultural identity and diversity are being threatened in many parts of the country—it’s even more important to uplift those making a difference in our community.”

“We believe it’s always the right time to celebrate Black excellence.”

The highlight of the evening was the presentation of the “Lifetime Achievement Award” to Dr. Thelma T. Daley, a nationally renowned educator, counselor and civil rights advocate who has served as the director of Women in NAACP, the 16th national president of Delta Sigma Theta Sorority and the eighth national president and chair of the National Council of Negro Women, among other distinctions.

“This honor couldn’t go to a more deserving individual,” said Howze. “Dr. Daley’s legacy is one of empowerment, leadership

$624.8 million to prioritize Baltimore City youth, $504.1 million to support public schools, $1.19 billion to enhance public safety, $1.07 billion to cultivate a cleaner and healthier city and $346.4 million to foster equitable neighborhood development.

Funding for Baltimore’s young people includes $6.9 million to

allow more students to participate in Youthworks and $2.4 million to renovate two recreation centers, which will open in fiscal year 2026. Public safety investments include $1.3 million to sustain the city’s Gun Violence Reduction Strategy and $5.2 million from the Opioid Restitution Fund to deliver better emergency medical services.

To make Baltimore cleaner and healthier, the budget proposes $5.2 million to improve trash and recycling services and $24.6 million to fund city homeless shelters’ operations. As far as neighborhood development, it includes $1.5 million to create additional positions in the Baltimore Department of Housing and Community Development, which will help the mayor carry out his vacancy plan. It also calls for $4 million in home ownership incentives and $10 million for affordable housing initiatives.

“This budget is a reflection of our city’s values, a common sense strategy to balance our checkbook and invest in our communities at the same time. It’s a departure from how these decisions were made throughout our city history where most of our disinvested communities bore the brunt of tough city budget decisions,” said Scott. “It’s also a very different approach than we’re seeing at the federal level where the only certainty is uncertainty.”

The preliminary budget for fiscal year 2026 will be presented to the Board of Estimates on April 23. If approved, it will then go to the Baltimore City Council for a final vote.

and service—not only here in Baltimore, but across the nation.”

In addition to the evening’s awards, the event was accompanied by the release of a stunning commemorative coffee table book produced by Real Times Media. The publication features portraits and biographical profiles of each honoree, outlining their achievements and the reasons for their selection.

Individuals featured in the book were nominated by members of the community, their peers or by the editorial team at the AFRO.

Alicia Wilson, who serves as vice president for civic engagement and opportunity at Johns Hopkins, said she was “thrilled to be a part of this event and to have been able to write the foreword to the book.”

The Who’s Who in Black series is held in major cities across the country, highlighting the accomplishments of African Americans in various industries—from business and healthcare to education, arts and government. The Baltimore edition drew notable guests from across the region and reaffirmed the strength of the city’s Black leadership.

In the AFRO edition marked April 12-18, the "AFRO High Tea Returns to Baltimore" article misprinted the attendees and the day of the week the tea will take place. Comptroller Brooke Lierman, will be in attendance. She will be joined by The Baltimore Chapter of the Links, WBAL anchor Jenyne Donaldson and many more on Saturday, April 26.

Photo courtesy of the Baltimore City Office of the Mayor
Mayor Brandon M. Scott’s proposed budget for fiscal year 2026 accounts for an $85 million shortfall, brought on by expenses outpacing city revenue. The priority areas for the spending plan include youth programming, public safety, neighborhood development and community and environmental health.
AFRO Photo/ James Fields
Lifetime Achievement Award recipient, Dr. Thelma T. Daley (left) shares a moment with Maryland First Lady Dawn Moore.

C elebrating NATIONAL FINANCIAL LITERACY MONTH

AFTER THE RIOTS:

A look at justice and reform a decade after Freddie Gray’s death

Mayor Brandon M. Scott (D) and former Senator Jill P. Carter recently reflected on the 10 years that have passed since the death of Freddie Gray. In two separate events, the leaders spoke on the “Baltimore Uprising” that followed Gray’s funeral and how the city has changed.

Gray, 25, was injured while in police custody on April 12, 2015, and died on April 19, 2015, from injuries sustained to his spine and neck. On April 27, 2015, the day of his funeral, major protests broke out. Against the wishes of peaceful protesters, rioters began to burn cars and stores in West Baltimore. The unrest, referred to as the “Baltimore Uprising,” continued for days.

Scott said that what happened in 2015– while sparked by the tragic death of Freddie Gray– was years in the making.

“That wasn’t the fuel. The fuel was already there,” he said. “That was the match.”

Scott highlighted the impact of Baltimore’s history of systemic racism, namely tactics such as redlining and overpolicing on Baltimore’s Black residents.

Scott reflected on how far the city has come in 10 years, now that he’s at the helm.

“Back then, we had ‘breathing while Black’ policing, some people call it zero tolerance policing,” said Scott. “If you were breathing, Black and outside, that meant you were a criminal.”

Scott noted that the Baltimore Police Department (BPD) was arresting, in some years, 100,000 people a year, in a city of around 600,000.

“Now, you can look at Baltimore, you can see that we have not just ‘righted the ship,’ but you can see the progress that we’re making on every front,” said Scott. “We’re in the undertaking of a renaissance.”

They had to pivot.”

Legislation was eventually passed during the 2021 Maryland General Assembly session, which repealed the Law Enforcement Officers’ Bill of Rights, prohibiting an officer from hindering a citizen from recording the officer’s actions if they’re doing so safely and lawfully, as well as several other measures.

“I think that there is improvement in the Baltimore Police Department today, and that’s not necessarily because of the consent decree,” said Carter. “It’s because of the people not accepting police killing impunity and police using excessive force.”

Citizens Policing Project; David Rocah, senior staff attorney for ACLU of Maryland; Melvin Russell, former chief of the Baltimore Police Department (BPD) Community Partnership Division, and Sheridan Todd Yeary, senior pastor of Douglas Memorial Community Church.

Yeary shared that when he and other community members spoke with youth at the time who were outraged about Freddie Gray’s police-involved death, they “kept saying, we just want to be heard.”

Scott touted various investments in the community, Baltimore’s youth and reduced crime rates in the city.

He highlighted legislation that has officially turned BPD over to the city instead of the state.

“BPD wasn’t a local agency. It was a state agency, and the state mandated that the city had to fund BPD,” said Scott. “Any legislative changes had to be made in Annapolis. They are now solely accountable to me as the mayor and legislatively to the Baltimore City Council.”

Leaders reflect at University of Maryland’s Francis King Carey School of Law

In an event hosted by the University of Maryland’s Francis King Carey School of Law and the Campaign for Justice, Safety and Jobs, former Maryland State Sen. Jill P. Carter highlighted how state legislation has contributed to the improvements in Baltimore City since the uprising.

“I truly believe that our legislative efforts set the foundation for the uprising, the organizing, mobilization and awareness that went on,” said Carter.

During the session she highlighted a bill she and other legislators worked on between 2013 and 2015 that was not well-received among state

“You have to fight the power. You can’t be scared. You can’t be ambivalent about it. Choose sides and be warriors.”

legislators until the uprising.

“The legislation to reform the Law Enforcement Officer Bill of Rights was heard on March 15, 2015, just before Freddie Gray’s death,” said Carter. “The legislature had turned a blind eye to the hundreds of women, mothers, families and concerned citizens telling their tragic stories of their loved ones being harmed and killed.

At the same event, Michael Pinard, faculty director of the Gibson-Banks Center for Race and the Law of Maryland Carey Law, led a conversation with William “Billy” Murphy Jr., former attorney for the Gray family and founding partner of the Murphy, Falcon and Murphy law firm.

Murphy shared that the family wanted to fight “tooth and nail, both privately and publicly, for justice.”

Murphy worked with the family to get a $6.4 million settlement.

During negotiations, Murphy said tension built up between his team, who were working on behalf of the family, and Baltimore City personnel. There was disagreement on how to compensate the family for the harm done to Gray.

“Leaders in the community…they started putting pressure on the city to settle this case,” said Murphy. “Finally, the city came to the table, and we worked for [the settlement].”

The day featured a panel discussion about community and legal action taken in the aftermath of Gray’s death. The panelists were an array of Baltimore community and city leaders, including Michaela Brown, co-founder of Organizing Black; Iman Freeman, co-founder of Baltimore Action Legal Team; Ralikh Hayes, a community organizer for the NAACP Legal Defense Fund; Ray Kelly, executive director of the

Baltimore residents reflect on death of Freddie Gray

April 19 marks a full 10 years since the death of Freddie Gray, a loss that literally shut the city down as protestors took to the streets. A decade later, the AFRO asked everyday people what they recall about the riots that followed Gray’s April 27 funeral and the reforms promised by local and national leadership. For some Baltimoreans, the topic was too close to home to speak on. For others, the outrage about the injustice was still fresh in their minds.

Amber Boyd, 28

“What I remember most about the Freddie Gray case was the camera footage of him being dragged by the police into the back of the van and just hearing him screaming like he was in pain. I don’t feel like justice was served to the six cops who were [charged with] his murder. What’s the point of having a justice system and laws if they don’t apply to everybody? The police love to protect their own. I think his death impacted Baltimore and the nation negatively. I mean, we were already wary of trusting the police, and this just confirmed that the system continues to fail us.”

Nev Haail, 31

“A man died. That’s never a good symbol or a good sign to build faith on, but his death definitely became a symbol of Baltimore. Police don’t know the community, and when situations happen, the harshest things occur because of mixed emotions…let this case be an example of why we need better processes and communication between people, communities and families.”

Lennie Walker, 42

“I was a security officer working at the CVS over East, and I remember they wouldn’t let us wear our uniforms outside. They made us go change our clothes because they didn’t want people to think we were

the police. Nobody was held accountable for what they did to that man. I mean, it was a big thing in the moment, and then as soon as it was over, it was back to business. If you walk up Penn North right now, it looks just like it did the day before Freddie Gray died.”

Crystal Pennix, 25

“I genuinely don’t feel that justice was served…there’s still more work to do. I think the Freddie Gray case made part of us feel hopeless, like we didn’t know what was going to happen next. I still kind of feel that way. A lot of Black people feel like they’re not being heard, and that’s why things escalated—because we weren’t getting what we needed. Across the

The panelists shared their experiences helping craft the consent decree that the U.S. Department of Justice and the City of Baltimore agreed to on April 7, 2017, in response to the uproar about police misconduct in Baltimore. Kelly shared the impact of navigating the consent decree under several federal administrations over the years.

“We started our process under the Obama administration, and there was a sense of urgency to get these reforms done,” said Kelly. That sense of urgency disappeared during Donald Trump’s first term as U.S. president, which began in 2017 and ended in 2021. Kelly said “his immediate response [was] to eliminate all these police accountability statutes.”

Kelly pressed that community and city leaders have to ensure that the “spirit” of the consent decree doesn’t get lost in the “rollercoaster of implementation.”

Murphy, when asked for his thoughts on the current presidential administration and how it may impact the future of police accountability, warned of a potential “dictatorship” in America.

“I think there will be a dictatorship,” said Murphy. “I think he will [take] power at an enormous, unprecedented level.”

He called young people and aspiring lawyers to action.

“You have to fight the power,” said Murphy. “You can’t be scared. You can’t be ambivalent about it. Choose sides and be warriors.”

nation, some people lost hope, but in Baltimore, it felt more like: Who can we trust? Who’s going to protect us?”

Britten Trice, 36

“I remember the riots the most from the Freddie Gray era. I was at work, at the optical center on Liberty Road, while they were happening. Justice wasn’t served. They paid the family, but there was no punishment for the officers. If anything, I felt like they paid for the officers’ freedom. His death made everyone angry because it was so blatant how it happened and how the police got off. Then the prosecutor (Marilyn Mosby) was facing charges [of] her own.”

Jeffery Soden, 68 “I think they mishandled the case, and it could’ve been handled better by everyone involved– especially the police force. Any African American in an urban city could see the same thing unfold in their city at any time. It’s a reflection of what’s going on in

Photo courtesy of the University of Maryland Baltimore/Matthew Paul D’Agostino Michael Pinard (left), faculty director of the Gibson-Banks Center for Race and the Law at the University of Maryland Carey School of Law, sits down with William “Billy” Murphy, attorney for the Gray family to reflect on the events that followed the April 19, 2015, death of 25year old Freddie Gray.
the police.”
Courtesy Photo / Britten Trice Britten Trice is a USPS mail carrier.
Courtesy Photo / Amber Boyd Amber Boyd works in human resources for the government.
Courtesy Photo / Crystal Pennix Crystal Pennix is a social worker for young mothers aging out of foster care.
Courtesy Photo / Lennie Walker Lennie Walker is a behavioral therapist for special needs children.
Courtesy Photo / Nev Haail Nev Haail is an indigenous doctor in Baltimore City.
Courtesy Photo / Jeffery Soden Jeffery Soden is a recent retiree.

WASHINGTON-AREA

A new hospital, located east of the Anacostia River in Ward 8, opened on April 15, bringing long-awaited, full-service healthcare access to residents in Southeast Washington.

“More lives will be saved because of this great care and proximity,” Mayor Muriel Bowser said. “We are proud to live up to our commitment, even when some people didn’t think we would be here today.”

The state-of-the-art medical center offers a wide range of services, including labor and delivery, outpatient procedures, trauma response and behavioral health care. Its opening fulfills a commitment the mayor made during her first year in office — to bring modern, comprehensive healthcare to a community that has historically faced limited access.

“We didn’t come here to replicate what existed — we came to reimagine what was possible. Cedar Hill isn’t just a hospital, it’s a commitment to health justice,” Kim Russo, president of George Washington University Hospital, said in a statement.

During construction and development, over 800 new employees and individuals worked on site from across Wards 5, 7, and 8. Local businesses also benefited, earning over $120 million in combined contracts. Bowser noted that the project not only expanded healthcare access but also generated jobs and economic opportunities for D.C. residents.

“This is going to be the first time since 2019 that a person will be able to give birth in the actual labor and delivery unit in a hospital east of North Capitol Street. That’s half the city,” said Councilmember Christina Henderson, in a statement. “This hospital means that thousands of Black mothers in this city will have safer births, closer to home. That’s revolutionary.”

The hospital is designed to operate as both a critical care hub and a community-centered institution. It includes inpatient beds, advanced surgical suites, diagnostic labs, and outpatient clinics — all built with accessibility and equity in mind. By delivering care closer to home, officials hope to heal the community’s faith in the American healthcare system.

“We’ve dealt with trauma for so long — not just medical trauma, but societal trauma. This hospital represents the beginning of healing

D.C. leadership freezes hiring and pay increases to offset budget gap

Effective immediately, D.C. Mayor Muriel Bowser (D) has issued a series of freezes across the D.C. government. The decision, announced April 15, is aimed at managing a significant shortfall in the District’s Fiscal Year (FY) 2025 funds. The shortfall was caused by a federal continuing resolution (CR) that capped the District’s funding, preventing the city from accessing $1.1 billion in local monies.

On April 14, Bowser invoked a law that allows the D.C. government to adjust the budget by 6 percent to reduce significant layoffs and cuts to essential city services.

“We need the Congress to act,” said Bowser at an April 14 live-streamed press conference.

“What we’re doing is a stopgap. It doesn’t address the issue. It still leaves hundreds of millions of dollars in the bank that cannot be used on critical services for the residents of the District of Columbia.”

The mayoral order restricts hiring new employees and contract staff at all executive branch agencies. Starting after April 27, overtime will be restricted and pay raises, bonuses

May 6

for our people, our children and our elders.” stated Council member Trayon White.

Cedar Hill Regional Medical Center replaces the former United Medical Center and is located on the St. Elizabeths East campus, a site undergoing broader redevelopment. The medical facility is expected to anchor further revitalization in the area and support community health well into the future.

City officials emphasize that the hospital’s opening is more than a ribbon-cutting — it represents years of planning, coordination

“This hospital means that thousands of Black mothers in this city will have safer births, closer to home. That’s revolutionary.”

and investment aimed at transforming health outcomes in the District. Bowser has long said that healthcare access should not depend on ZIP code, and Cedar Hill stands as a testament to that belief.

With the opening now complete, Washingtonians from all eight wards are encouraged to take advantage of the hospital’s offerings, while residents in Ward 8 gain unprecedented access to full-service care without needing to travel across the city.

and promotions will be frozen.

The order also mentions potential furloughs and government facility closures. By April 25, the city administrator must present a plan to the mayor regarding these potential measures and other further reductions.

U.S. Sens. Susan Collins (R-Maine) and Chris Van Hollen (D-Md.) introduced bipartisan legislation on March 14 to fix the funding bill provision. The bill was not voted on before Congress took a two-week recess on April 11, causing a whirlwind of concern for D.C. leaders.

“The House Speaker could put it on the floor to what’s called a ‘suspension of the rules,’ but it has not been done,” said D.C. Council Chairman Phil Mendelson (D) in a virtual town hall meeting on April 14. “My view, at this point, is that we should just assume that it’s not going to happen and move on.”

Bowser notified Congress via a letter on April 14 of her use of the budget adjustment law and urged the House to pass the bill. Mendelson noted that if the House passes the bill, the issue would be 100 percent fixed, “clean and simple.”

If Congress does not pass the funding fix bill, many Washingtonians could feel the impact of this shortfall. Washington D.C. is home to around 1.8

million African-Americans, the third largest Black population in the U.S., according to a Pew Research Center report from 2023. More than 678,000 people lived in Washington, D.C., in 2023, according to the D.C. Office of Planning.

“What we’re doing is a stopgap. It doesn’t address the issue.

This issue is expected to disrupt the FY 2026 budget process, as Bowser noted that it would be challenging to send the FY 2026 budget to the D.C. chief financial officer without resolving the FY 2025. Bowser assured that her team will continue to work with Congress to remedy the situation. The House is expected to return from recess on April 28.

Photo courtesy of Richard E. Miller
D.C. Council members react as Mayor Muriel Bowser enacts immediate government freezes to manage a $1.1 billion budget shortfall, following a congressional funding cap that blocks access to local funds.
Photos courtesy of Instagram/ Mayor_Bowser
Cedar Hill Regional Medical Center, GW Health, a full-service hospital, is now open and located in the Ward 8 community.
Photos courtesy of Instagram/ Mayor_Bowser
Mayor Muriel Bowser is joined by leaders and community members on April 15 to celebrate the opening of Cedar Hill Regional Medical Center, GW Health.

C elebrating NATIONAL FINANCIAL LITERACY MONTH

How scammers are targeting Americans in new and evolving ways

As American society continues to advance, so do the ways in which fraudsters work to scam people for their money. From cryptocurrency investment schemes to fake remote jobs and catfishing, the illicit tactics are as increasingly sophisticated as they are plentiful.

“As Americans have become more comfortable banking online and conducting transactions remotely, they have become more susceptible to fraud,” said Supervisory Special Agent Keith Custer, who works with the FBI Baltimore Field Office. “Criminals will continue to take advantage of new and emerging technologies to target their victims and conduct more effective scams.”

Custer highlighted that many of the people carrying out the crimes are international.

“Increasingly, we are seeing fraud schemes being perpetrated by transnational criminal organizations,” he said. “Many of these groups are operating out of call centers or large compounds located in India or southeast Asia and utilize sophisticated tools, including encrypted chat applications, remote desktop software, fake trading platforms and various forms of cryptocurrency to execute their schemes.”

According to officials from the Federal Trade Commission (FTC), consumers lost

more than $12.5 billion to fraud in 2024, a 25 percent increase from the previous year. People reportedly lost more money to investment scams—$5.7 billion—than through any other scheme in 2024.

The FTC previously reported that cryptocurrency is becoming a popular choice for scammers. From January 2021 to March 2022, consumers reported losing more than $1 billion in cryptocurrency to fraud.

Romance schemes are reportedly the second-highest scams impacting consumers today. They often involve a fraudster creating a fake relationship online to convince the victim to send funds or personal information.

“These schemes often start on social media or dating platforms, where scammers build trust over time,” said Joel Gamble, Baltimore community manager at Chase.

“Once the victim feels trust in the relationship, they are lured into fraudulent ‘investment’ or ‘crypto’ opportunities. Some even go as far as threatening victims with lies about their loved ones.”

According to FTC officials, con artists often create profiles on dating platforms and social media. They often make excuses to avoid meeting their victims in person, but eventually start asking for money for a medical emergency or an unanticipated legal fee.

Another type of fraud Americans should watch out for is fraudulent online job postings.

“As Americans have become more comfortable banking online and conducting transactions remotely, they have become more susceptible to fraud.”

A Dec. 12, 2024, FTC report showed a sharp increase in complaints of online job scams. Job scams increased from zero in 2020 to 5,000 in 2023. In the first six months of 2024, it spiked to around 20,000. Losses due to job schemes amounted to around $220 million by the first half of 2024.

Black and Brown Americans can be particularly vulnerable to these scams.

According to an AARP report, 40 percent of Black and Latino or Hispanic adults have been targeted by a scammer, and 20 percent have lost funds to one. Furthermore, around 60 percent of Black and Brown adults who lost money to a scheme fell victim more than once.

Black adults have specifically been targeted by romance schemes and remote job scams.

The FTC recommends consumers pay attention to the following red flags: someone who says they can guarantee profits through cryptocurrency investments, a person who requires payment through cryptocurrency and job offers via text message or WhatsApp.

“Regardless of how polished it seems, are they asking you for money or personal information?” said Amy Nofziger, director of fraud victim support for AARP Fraud Watch Network. “Ask yourself, ‘Do I know this person or company? Is this request under urgency? Are they demanding payment to resolve a problem, like arrest or utilities being cut?’ These are all signs of a scam.”

“Take a deep breath and ask a friend or trusted person for advice,” added Nofziger. “Any scam will quickly get you in a heightened emotional state, either with fear or excitement, and then will ask for money.”

Consumers can report fraud complaints to the FBI, FTC, the National Center for Disaster Fraud and state and local agencies.

AARP’s Fraud Watch Network: Supporting older adults in the fight against scams

AARP created its Fraud Watch Network in 2013 to educate older adults about deceptive tactics and schemes. The network is a nationwide effort, involving all 53 AARP state offices, to raise awareness about the risk that fraud poses to people’s financial security.

institutions. You may lose your trust in yourself,” said Stokes. “Quite often, these scams are super complex and sophisticated, and they take weeks, months or even years.”

One of the motivations behind perpetrators targeting older adults with fraud scams is the belief that they have more assets than younger individuals.

“If you are a victim, it is not your fault. It was highly sophisticated and targeted, and you shouldn’t be ashamed of yourself.”

It provides fraud prevention resources, information on current scams, a free helpline and virtual emotional support sessions for victims of these crimes. The network’s work is critical especially as fraud is at a crisis level in the U.S., according to Kathy Stokes, director of fraud prevention programs at AARP.

“Fraud is a crime. At the very least, it’s unsettling. You may lose your trust in

“The primary reason is because of the presumption that that’s where the money is in this country,” said Stokes. “They figure if they can get a person who’s saved all their lives or who has a pension, Social Security, housing wealth and an estate, they can wipe them out.” Other motivations are stereotypes, according to Stokes. These include sweeping assumptions that older adults

lack digital literacy, experience cognitive decline or are too nice to or too trusting to detect scam attempts.

Though studies indicate that younger adults are more likely to report fraud than their older counterparts, the losses from fraud are more significant for older populations. The Federal Trade Commission determined that the median reported loss for people aged 70 to 79 was $800 in 2021. For adults over 80, it was $1,500.

Stokes also pointed out that the unwarranted shame people feel when they’ve fallen victim to fraud may also prevent them from reporting it all. Reframing the way people characterize fraud crimes has been a large part of AARP’s mission.

“We’re trying to change the victim-blaming narrative in this country. For way too long, we’ve allowed ourselves to believe that scams only happen to older adults. As long as we’ve been able to do that, we can put them in a corner and say, ‘Well, that’s not my problem,’” said Stokes. “Well, guess what? It’s everybody’s problem because it’s happening to everybody.”

Stokes highlighted two common schemes of fraud

perpetrators. One is a tech support scam, in which perpetrators impersonate tech support representatives to trick people into providing their personal information, paying for unnecessary services or allowing remote access to their computers.

These fake alerts can pop-up on any device, and, at times, they come with a loud, blaring sound.

“In the data we see, older adults tend to experience this more. The criminal is looking for an emotional response because that’s what opens the door to make these scams succeed,” said Stokes. “Criminals know that when we’re faced with a situation that puts us into a heightened emotional state, our brains are wired to act and not to stop and

think logically.”

Another common tactic is financial grooming. In this scheme, perpetrators gain their victims’ trust through emotional manipulation and persuade them to make investments they wouldn’t otherwise make. These scams may start as a random text message and later turn into a consistent exchange.

Stokes said, lately, perpetrators have been posing as successful cryptocurrency investors, falsely promising to connect people with exclusive opportunities and high returns.

“People end up on a fake crypto exchange, and it looks like they’re making a ton of money,” said Stokes. “When they try to pull it out, they realize it was all a fraud, and none of it ever existed.”

Stokes encouraged people

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to have more conversations about fraud with their loved ones, especially those who are older adults. She explained that it’s crucial to give concrete examples of schemes that perpetrators are using.

She also recommended that older adults use a password manager to strengthen their online security and set up a credit freeze to prevent criminals from opening accounts in their names.

“If you are a victim, it is not your fault. It was highly sophisticated and targeted, and you shouldn’t be ashamed of yourself,” said Stokes. “It’s a crime, and you’re going to want to report it to the police in the event that somewhere down the line you might be able to get your money back.”

Unsplash / Malcolm Lightbody
with the Fraud Watch Network, an
different deceptive tactics used to

DETECTING

C elebrating NATIONAL FINANCIAL LITERACY MONTH

Clever Girl Finance founder talks red flags and warning signs

How to spot and avoid digital fraud

With the growing popularity of peer-to-peer payment apps like Cash App, financial scams have become more prevalent. Scammers exploit the platform’s ease of transactions, anonymity and lack of chargeback options to deceive unsuspecting victims.

enabling multi-factor authentication whenever possible.”

Cash App’s instant transaction model makes reversing payments difficult. Unlike traditional banks, Cash App does not offer fraud protection for peer-to-peer transactions, making it challenging for users to recover stolen money.

Victims may face financial strain and loss of trust in digital payment platforms.

“By keeping up with scammers’ latest tactics and talking to friends and family about fraud, we can help protect ourselves and others.”

This week, in honor of National Financial Literacy Month, financial solutions investment advisor

Zakiyyah Muhammad explains how these scams work and how consumers can protect themselves.

One prevalent scam is the “cash flipping” scheme, where fraudsters promise to multiply a user’s money if they send an initial payment.

Once the money is sent, the scammer vanishes, leaving the victim with no recourse.

“Scams are reported daily by customers within the bank. I have personally noticed an increase in the types of scams throughout my years in the finance industry,” Muhammad said. “The most common victims are elderly retirees and young people.”

According to the Federal Trade Commission, “consumers should protect their personal information by using strong passwords and

Every year, millions of Americans are victims of credit card fraud. In 2024 alone, 62 million people had unauthorized charges on their credit or debit cards, with expenses surpassing $6.2 billion.

As technology advances, scams are becoming more sophisticated, targeted and convincing. Bola Sokunbi, founder and CEO of Clever Girl Finance, sat down with the AFRO to discuss the top ways to detect and address fraud before it spirals out of control.

AFRO: What are the most common signs of bank and credit card fraud that people often miss?

Bola Sokunbi: One sign people tend to overlook is small, unexplained charges. Fraudsters will often test the waters with a tiny transaction to see if the card is active and the account holder is paying attention. Also, don’t ignore random texts or emails asking you to “veri

fy” purchases or log into your bank account. Even if you didn’t click anything, these messages often signal that your information is floating around in the wrong places.

AFRO: What are common fraud scams that perpetrators might use?

BS: Phishing is still one of the most common scams. These are emails or texts that look like they’re from your bank or a retailer asking

you to “confirm your information.”

Scammers are also using fake job postings; Zelle or Cash App payment requests; and pretending to be delivery companies. The creativity is wild, which makes it even more important to double check everything.

AFRO: Are there red flags in digital banking activity that should cause immediate concern?

BS: Absolutely. Things like account logins from unknown locations or devices, changes to your contact information or sudden password resets are all red flags. If your phone number or email is changed without your knowledge, take that seriously. It could be a sign that someone is trying to gain full control of your account.

AFRO: How do perpetrators get access to bank or card information without access to a physical card?

BS: Data breaches are a big one. When a company you’ve been shopping with gets hacked, your information can end up on the dark web. Scammers also use public WiFi to intercept information, as well as phishing links and fake websites that mimic legit ones to trick you into entering your credentials. It’s not about being careless— it’s about how advanced and sneaky these tactics have become.

AFRO: Are there certain fraud tactics or trends that have emerged in recent years?

BS: Yes. Scammers are getting

more personal. They’ll use information from social media to make scams feel more believable, like mentioning your kids or hometown. Artificial intelligence voice scams are also growing where fraudsters mimic a loved one’s voice to ask for help or money. It’s surreal, but it’s happening, so awareness is everything.

AFRO : What immediate steps should someone take if they detect suspicious activity on their accounts?

BS: Don’t wait. Lock your card or freeze your account immediately. Most apps let you do this in seconds. Then, call your bank or credit card company to report the fraud and file a claim. Change your passwords right away, and check your other financial accounts in case there’s been broader access. If the fraud is significant, file a report with the Federal Trade Commission and your local police.

AFRO : What advice would you give to people about being proactive in protecting their financial information?

BS: Stay curious and cautious. Use strong, unique passwords. A password manager can help with this. You should also enable two-factor authentication, and check your bank and credit card accounts regularly— weekly if you can. Don’t be afraid to question texts, emails or even phone calls that feel off. You’re not paranoid. You’re being smart.

“Scammers aren’t hacking into banks—they’re not that clever. Instead, they phish for sensitive information from unsuspecting people,” Muhammad said. Fraudsters frequently exploit social media platforms such as Instagram, Twitter and Facebook to create fake profiles or hijack existing ones. They impersonate people the victim may know, using the stolen identity to solicit money through Cash App. Others lure victims by promising large rewards in exchange for small upfront payments. Once victims pay, the scammers disappear or take over their accounts to target new victims.

“This can be prevented by not allowing anyone to rush you into financial decisions or sharing personal information or codes,” Muhammad said. “Evaluate any request, especially if it involves making a payment. Use your gut.

Zakiyyah Muhammad is a registered financial solutions investment advisor.

Ask yourself, ‘Does what they’re asking make sense?’”

The FTC advises users to be cautious of unsolicited messages on social media, especially those offering free money or promising financial gains. If a deal sounds too good to be true, it likely is.

Tips to avoid scams

• Verify the source. Never send money to someone you don’t

know personally.

• Don’t share sensitive details. Legitimate customer service will never ask for your Cash App PIN or login credentials.

• Enable security features. Use two-factor authentication and monitor your account for suspicious activity.

“By keeping up with scammers’ latest tactics and talking to friends and family about fraud, we can

help protect ourselves and others,” Muhammad said. If you suspect you’ve been scammed, report it immediately. The FTC encourages users to report fraud at ReportFraud.ftc.gov. Cash App also provides tools for reporting fraudulent activity. As scams continue to evolve, staying informed and exercising caution can help users avoid becoming victims.

Courtesy Photo/ Zakiyyah Muhammad
Photo by Virten Media
Bola Sokunbi is the founder and CEO of Clever Girl Finance, a personal finance education platform for women in the U.S.

C elebrating NATIONAL FINANCIAL LITERACY MONTH

Baltimore officials strengthen security after $803K fraud incident

Baltimore City has been the target of a major fraud, resulting in the loss of $803,000. A scammer, posing as a legitimate vendor representative, successfully manipulated city employees into allowing payments to be rerouted to fraudulent accounts.

Baltimore City Comptroller Bill Henry gave insight into the situation in an interview with the AFRO

“This wasn’t really a cyberattack—it was an old-fashioned con that used electronic funds transfers as the delivery method,”Henry said. “The scammer gained the employees’ trust over time, convincing them they were someone they weren’t.” City officials have emphasized the importance of transparency in addressing the fraud scheme, clarifying the actual financial impact of the incident. While initial reports suggested a total loss of $1.5 million, only one fraudulent payment— totaling $803,000—was successfully processed. A second attempt for $721,000 was flagged as suspicious and ultimately blocked.

“The Inspector General had previously recommended a multi-factor authentication process to prevent this exact issue but it was never implemented. Now, after this painful lesson, we are making it a priority,” Henry said.

Years earlier, the Inspector General had advised adopting new authentication for vendor banking changes, a safeguard that was overlooked after accounts payable responsibilities shifted to the Comptroller’s Office.

The oversight created a vulnerability that the scammer was able to exploit. Now, officials are working to ensure that past recommendations are fully implemented to prevent similar security lapses in the future.

“Going forward, we’re implementing a multi-factor authentication process, requiring contact with multiple officials inside any vendor [organization] attempting to change banking information,” said

Comptroller Henry. Baltimore City officials are also emphasizing the need for increased employee training on fraud detection and financial security. Staff members handling vendor transactions will receive enhanced guidance on recognizing social engineering tactics used by scammers, such as impersonation and gradual trust-building. By equipping employees with better awareness and stricter verification procedures, the city aims to minimize vulnerabilities that could be exploited in future schemes.

investigation remains ongoing, and officials are reviewing internal processes to identify additional weaknesses that could be addressed. The fraud has prompted city leaders to reexamine their vendor payment policies and implement best practices used by other municipalities to enhance financial security.

“We don’t know if we were the only ones targeted—this same bad actor could be attempting to scam multiple cities with the same vendor, and unless they go public, we wouldn’t know,” Henry said.

“Going forward, we’re implementing a multi-factor authentication process, requiring contact with multiple officials inside any vendor [organization] attempting to change banking information.”

“There’s a need to improve communication across agencies. The Inspector General already identified this problem once, and now it’s our responsibility to ensure those recommended safeguards are actually put in place,” the comptroller said.

The Comptroller’s Office is also working closely with federal authorities to recover stolen funds and identify the perpetrator. The

City leaders acknowledge that while fraud attempts are an ongoing threat, strengthening internal processes and improving communication across agencies will be critical in preventing future breaches. They urge city employees to remain vigilant, follow new verification procedures, and report any suspicious activity to ensure financial security across all city departments.

Businessman who scammed ex-NBA star Dwight Howard in fake bid for WNBA team gets 12 years in prison

A Georgia businessman who scammed former NBA players Dwight Howard and Chandler Parsons out of millions of dollars was sentenced April 3 to more than 12 years in federal prison.

A Manhattan jury in October convicted Calvin Darden Jr. of cheating Howard — who had been one of the NBA’s most dominant players in his prime — out of $7 million in a bogus scheme to buy the WNBA’s Atlanta Dream.

The 50-year-old Atlanta resident was also found guilty of bilking $1 million from former NBA forward Chandler Parsons in a separate ruse involving the development of thenNBA prospect James Wiseman.

A Manhattan federal court judge on April 3 ordered Darden to forfeit $8 million, as well as several luxury items he acquired with the ill-gotten gains, including a $3.7 million Atlanta mansion, $600,000 in artwork by Jean-Michel Basquiat, a Lamborghini and a Rolls-Royce.

Lawyers for Darden, who wasn’t present in court when the sentence was handed down, declined comment.

Darden was allowed to leave the proceedings after waiving his right to be present and telling the judge he had suffered a concussion while in custody the last week of March, according to the U.S. Attorney for the Southern District of New York.

Howard testified during the trial that Darden fooled him into giving him $7 million by convincing him that it was an investment toward the purchase of the Dream.

But the eight-time All-Star and three-time NBA defensive player of the year acknowledged he only learned he wasn’t an owner of the

Dream when ESPN reported the team had been sold to an investor group that included former Dream guard Renee Montgomery in 2021. Prosecutors said Darden and a sports agent also conned Parsons into sending $1 million that was supposed to aid in the development of James Wiseman, who was drafted by the Golden State Warriors as the second overall pick in the 2020 NBA draft.

The two didn’t know Wiseman, and the player never agreed to be represented by the agent, as they claimed to Parsons. Wiseman last played for the Indiana Pacers before being traded to the Toronto Raptors, who waived him earlier this year.

Darden was ultimately convicted by a jury in October of wire fraud, bank fraud and money laundering charges.

He was previously sentenced to a year in federal prison in New York for impersonating his father, Cal Darden, a former executive at Atlanta-based United Parcel Service, in a failed bid to buy Maxim magazine.

Howard played for seven franchises after the Orlando Magic took him with the No. 1 overall selection in the 2004 draft. He won his lone NBA title with the Los Angeles Lakers during the pandemic-affected 2019-20 season.

Parsons had a nine-year NBA career playing for Houston, Dallas, Memphis and Atlanta teams.

The Atlanta Dream were once co-owned by former Republican U.S. Sen. Kelly Loeffler, but she was pressured to sell after clashing with players over her opposition to the league’s racial justice initiatives.

This article was originally published by The Associated Press.

AP Photo/ John Raoux
Former NBA star Dwight Howard is an example that even celebrities can become victims of fraud. Howard lost $7 million in a fake bid to buy the WNBA’s Atlanta Dream.
Courtesy Photo / Geoff Shannon AFRO Staff Writer Andrea Stevens speaks with Baltimore City Comptroller Bill Henry at City Hall about a recent fraud scheme that resulted in an $803,000 loss.

C elebrating NATIONAL FINANCIAL LITERACY MONTH

Timothy Smoot explains how to stay one step ahead

Phishing emails continue to be one of the most common cyber threats, targeting businesses and individuals with deceptive messages designed to steal sensitive information. These fraudulent emails often appear legitimate, impersonating trusted organizations or colleagues to trick recipients into clicking malicious links, downloading harmful attachments or providing confidential data.

seen how phishing scams work up close and personal.

“One time, a scammer pretended to be my business partner, Stanley, but referred to me as ‘Timothy.’ In 40 years, Stanley has never called me ‘Timothy.’ That was an immediate red flag,” said cybersecurity expert Tim Smoot.

For businesses, phishing attacks can result in financial losses, data breaches and reputational damage. Cybercriminals use phishing schemes to gain access to corporate networks, exposing sensitive customer information, employee credentials and financial

“Encrypted messaging is a great security tool, but you need to be cautious about stored credentials. I never allow my portal to save my username or password—it’s just not safe.”

Executive vice president and chief financial officer Timothy Smoot at Meridian Management Group, Inc., enjoys giving insight on how to avoid these scams– after all, he’s

records. A single successful phishing attack can lead to ransomware infections, operational disruptions and costly legal consequences.

“From time to time, I get emails

with invoices from someone I have no clue who they are,” Smoot said. “If you’re unfamiliar with the sender, the vendor or the transaction, that’s a sign it could be phishing.”

Individuals are also at risk, as phishing emails are often disguised as urgent requests from banks, government agencies or tech support services. Clicking on a phishing link may install malware that tracks each keystroke made on a computer’s keyboard. This helps scammers steal login credentials and can compromise personal financial accounts.

Experts recommend several precautions to mitigate the risk of phishing attacks. Employees should undergo cybersecurity training to recognize suspicious emails, avoid clicking on unexpected links and verify the legitimacy of messages before taking action. Multi-factor authentication adds an extra layer of security, reducing the likelihood of unauthorized access even if credentials are compromised.

“Encrypted messaging is a great security tool, but you need to be cautious about stored credentials,” Smoot said. “I never allow my portal to save my username or password—it’s just not safe.”

Businesses can also implement email filtering systems to detect and block phishing attempts before they reach inboxes. Regular software updates and strong password policies further enhance protection against cyber threats.

Timothy Smoot is an executive vice president and chief

officer at Meridian Management Group Inc. Though it may save time and brain power, he advises consumers to never save login information on a website that requires a username and password.

According to the Federal Trade Commission, “If you paid or sent money to someone you think is a scammer, you might not get it back. But it’s always worth asking the company you used to send the money if there’s a way to get it back.” The agency also advises, “If you gave a scammer your username and password, log into your account right away and create a new password. If you use

the same password anywhere else, change it there, too.”

Whether safeguarding business or personal information, individuals must remain vigilant, report phishing attempts and follow best practices to protect themselves. By staying informed and proactive, they can reduce the risks associated with phishing emails and defend against cyberattacks.

Courtesy Photo/ Timothy Smoot
financial

C elebrating NATIONAL FINANCIAL LITERACY MONTH

FICO collaborates with HBCUs to combat data bias

New initiative also seeks to bring next generation into data analytics

The Fair Isaac Corporation, or FICO, is one of America’s leading credit reporting agencies. Now, the company has developed a partnership with historically Black colleges and universities (HBCUs) with a goal of getting more Black students to consider a career in data analytics.

FICO uses data sets created using artificial intelligence (AI) to provide a measure of credit risk (the FICO score) for more than 232 million Americans, or 90 percent of the credit eligible population.

For the past two years FICO has sponsored the HBCU Educational Analytics Challenge, which is focused on training students at HBCUs in how to interpret and fine tune AI data sets. This training gives aspiring Black professionals leverage in correcting data bias negatively affecting consumer finance decisions ranging

from assigning credit scores and correctly identifying consumer fraud to financing home and car loans.

According to a 2021 report issued by the Stanford University Human Issued Artificial Intelligence Center, AI data sets disadvantage Black and low-wealth communities with what is referred to as “noisy data” - or information that can negatively impact credit scoring models by institutions like FICO and others, when misinterpreted.

“The way data is interpreted is now a part of our everyday lives,” said Velma Lotson, PhD., assistant professor in Bowie State University’s technology and security department. Lotson is one of the original advisors for FICO’s HBCU Education Analytics Challenge.

“When aggregate financial data assembled about our communities and neighborhoods is only interpreted through one lens; it can make a major difference in financial decisions being made

about the Black community. If these data sets continue to be used with no cross checks involving Black people and other data professionals of color, the data can cause long-range negative consequences,” Lotson said.

FICO’s Educational Analytics Challenge has included Alabama State University; Bowie State University; Delaware State University; Morehouse College and now, Drake State Community and Technical College; Fayetteville State University and North Carolina Central University.

The Spring 2025 challenge focuses on teaching students to use data responsibly to fight payment transaction fraud. Financial fraud is often committed today by mimicking legitimate banking behavior to secure billions in customer funds, and banks need to leverage transactional analytics to identify and prevent fraud, according to FICO representatives.

The Federal Trade Commission reports fraud has a disproportionate negative impact on the Black Community.

Scott Zeldi, PhD., chief

analytics officer at FICO is responsible for AI and analytic innovation. He has been the brain power behind the team of FICO professionals that come to campus for meetings to train students on understanding and interpreting data sets.

“One of the biggest challenges of building predictive models is identifying and handling inherent biases in the data,” said Zeldi. “To help further inclusion by fighting biases in models, we are training and supporting a diverse and talented group of young people to drive the future of AI innovation and propel responsible AI practices forward.”

As the FICO data

challenge grows, students like Bowie State’s computer technology students Bryson Stringer and Shaynsse Alexander both say the experience was an eye opener, reinforcing the importance for data to be analyzed from different perspectives and practical applications for their academic work.

“What at first glance looks like a fraudulent point of sale transaction to one person due to the location and time of the transaction, may need to be reviewed by at least one other individual,” Stringer said. “I definitely want to continue with interpretation of AI data sets after this experience,” added the Bowie State junior.

Alexander has seen how important it is to have diversity in the rooms where decisions about fraud and credit scores are being made.

“One of the fraud models we examined during the FICO challenge actually happened to a family member, who honestly needed to swipe her card several times at a convenience store before it worked,” said Alexander, a first year graduate student with Bowie State’s computer technology program. “It demonstrated to me why someone with my background and experience needs to be in the room when these kinds of data sets are discussed and decisions are made.”

Harnessing Emerging Technologies to Power

Your Business

Nearly every area of our lives has been transformed by artificial intelligence and other emerging technologies. For small business owners, AI is no longer a buzzword — it’s becoming a cornerstone of business strategy. AI tools drive innovation, efficiency and growth, making them essential for staying competitive in an increasingly digital and data-driven world. According to JPMorgan Chase’s 2025 Business Leaders Outlook Survey, a strong majority (80%) of small business leaders are already using or are planning to implement AI. However, almost half

(46%) are cautiously optimistic about its impact on their business. This year, 48% of small business owners plan to integrate AI tools, focusing on customer-facing applications like chatbots and customer service automation. Continued investment in AI and technology to enhance efficiency and competitiveness is a priority for this year and beyond. Emerging technologies are among key considerations for small business owners planning for the future, ensuring business continuity, fostering growth and planning for successful transitions.

The Potential of AI

AI offers capabilities in learning, reasoning and problem-solving. In the Survey, small business owners identified several key applications for AI, including marketing and content creation, customer service automation and data analysis. AI can also benefit payment processes and other operational automation. Large Language Models, a subset of AI, excel in processing and generating human-like text, making them invaluable for content creation and customer interaction. Integrating these technologies can streamline processes and boost productivity.

Why Emerging Technologies Could Benefit Small Businesses

With limited resources, small business can automate routine tasks with AI, allowing employees to focus on higher-value activities. AI-driven chatbots can manage initial customer requests, reducing the workload on customer service teams and improving response times, ultimately increasing customer satisfaction. Additionally, AI can empower startups to expand operations by complementing their existing workforce. For instance, an

e-commerce startup can use AI to efficiently manage inventory, process orders and assist with customer inquiries, allowing the team to focus on strategic growth and customer engagement. Small businesses can also develop tools tailored to their needs, rather than relying on broad third-party solutions. This approach offers greater flexibility, easier integration and tighter control over data.

Automation tools enhance efficiency, while data-driven solutions like Chase for Business’s Customer Insights – a business intelligence tool that generates actionable insights from anonymized, aggregated data – help streamline operations and enhance the bottom line.

The Path Forward

As innovations continue to emerge rapidly, consider developing a blueprint to identify where AI adds value, creating a roadmap for implementation and investing in the necessary infrastructure and talent. As you plan for growth and scaling, understand transition options to ensure a successful small business future.

Courtesy photo
FICO is working with HBCUs to train students for careers in analyzing AI models while supporting a new workforce to fight data bias.

C elebrating NATIONAL FINANCIAL LITERACY MONTH

DON’T CLICK ON THOSE ROAD TOLL TEXTS

Officials issue warnings about new ‘smishing’ scam

State officials are warning Americans not to respond to a surge of scam road toll collection texts.

The texts impersonating state road toll collection agencies attempt to get phone users to reveal financial information, such as credit or debit cards or bank accounts.

They’re so-called “smishing” scams — a form of phishing that relies on SMS texts to trick people into sending money or sharing sensitive information.

Louisiana Attorney General Liz Murrill said she received one purporting to be from the statewide GeauxPass toll system.

“It is a SCAM,” Murrill posted on Facebook. “If you ever receive a text that looks suspicious, be sure to never click on it. You don’t want your private information stolen by scammers.”

Even states that don’t charge drivers tolls have noticed an uptick.

“We do not have tolls roads in Vermont but travelers may mistake these scams for actual toll operators in other states,” Vermont Attorney General Charity Clark said in a video public service announcement posted on Instagram.

Cybersecurity firm Palo Alto Networks has said that a threat actor has registered over 10,000 domains for the scams. The scams are impersonating toll services and package delivery services in at least 10 U.S. states and the Canadian province of Ontario. While Apple bans links in iPhone messages received from unknown senders, the scam attempts to bypass that protection by inviting users to reply with “Y” and reopen the text. A warning in April 2024 from the FBI said the texts used nearly identical language falsely claiming that recipients have an unpaid or outstanding toll. Some threaten fines or suspended driving privileges if recipients don’t pay up.

“If

you ever receive a text that looks suspicious, be sure to never click on it. You don’t want your private information stolen by scammers.”

The FBI at the time asked those who received the scams to file a complaint with its IC3 internet crime complaint center and to also delete the texts. The FBI didn’t immediately respond to a recent request for updated guidance.

C elebrating NATIONAL FINANCIAL LITERACY MONTH

What you need to know about QR code scams and how to stay safe

QR codes skyrocketed in popularity during the touchfree days of the COVID-19 pandemic, and now they’re everywhere. From menus to forms and posters– who doesn’t like these scannable shortcuts to information and fast, frictionless payments?

Now QR codes also serve a much different purpose: as a tool for scammers.

In December 2023, the Federal Trade Commission warned of a new form of phishing, which occurs when a consumer receives a scam email or text with links to malicious websites. Appropriately coined “quishing,” the new scam leverages QR codes to trick people into divulging personal information.

Using the internet, scammers send emails containing QR codes that store links to malicious websites. The communications appear legitimate, as they can be received under the guise of package tracking emails or by impersonating known senders like human resources representatives or CEOs. During the third quarter of 2023, the cybersecurity platform Trellix detected over 60,000 QR code scam attempts in emails alone.

Offline, fraudsters replace legitimate QR codes with fake ones on common locations such as parking meters, menus or posters. Once scanned, links stored within the QR code may automatically download malware, open payment websites, or bait users into providing their personal information or logins. When bad actors access sensitive data, they can overtake devices or impersonate users, furthering the scam by conning people in the victim’s networks.

a major U.S. energy company. By late March 2024, the volume of quishing emails spiked more than 2,400 percent, growing 270 percent on average each month. That same month, an Osterman Research and Ironscales report found that more than 3 in 4 surveyed companies, including many information technology companies, were victims of quishing within the past year. Paradoxically, nearly 4 in 5 (77 percent) respondents were “very” or “extremely” confident in their technology to size up security threats.

Cybersecurity firm

Abnormal Security found about 9 in 10 (89 percent) quishing attacks detected by their technology were multifactor authorization requests designed to take users’ credentials, according to their H1 2024 Email Threat Report. The report also found that executives are overwhelmingly targeted by quishing, with 42 times more cyberattack attempts than employees in the first quarter of 2024. Executives may be at increased risk due to their higher levels of security clearance and access to confidential information that phishers desire. Quishing is “just the first example of many other types of image-based attacks we’re going to see,” Ironscales Principal Technology Strategist Audian Paxson told SDxCentral. Though savvy phishing scams are harder to spot with the rise of AI-based tools, consumers can feel empowered with greater awareness. Uniqode outlined tips for spotting phony QR codes and steering clear of quishing scams.

Though savvy phishing scams are harder to spot with the rise of AIbased tools, consumers can feel empowered with greater awareness.

QR codes are accessible, but the general public is not aware of their risks. Because QR codes appear as images or PDFs that obscure their URLs, these scams can go undetected by traditional security software. The sneaky tactic also takes advantage of smartphones’ less advanced security measures compared to computers, and scams aren’t on the radar of many consumers who learned to trust QR without inspecting each pixel. For now, many “quishing” scams are slipping through the cracks.

The first major quishing campaigns hit in May 2023, targeting Microsoft users at

Beware of sticker scammers

Fake QR codes can look just like legitimate ones, so watch for any irregularities before you scan. If you notice that a menu or poster includes a QR code with bumps, peeled edges, or that appears stuck on, don’t scan it.

Update your phone OS and apps

The first line of defense against malicious QR codes is ensuring your phone has the latest operating system. Two-factor authentication software that confirms your identity using your cellphone or apps is another important safeguard.

QR codes soared in popularity during the pandemic for their convenience—but now scammers are using them for a new kind of phishing, dubbed quishing. From hijacked parking meter stickers to fake emails posing as HR, these malicious codes can steal personal data, install malware, and compromise devices—all while looking completely legit.

Block automatic downloads

When scammers use QR codes and other image files as vehicles for malware and malicious content, automatic downloads can wreak havoc before users even realize it. Configuring email settings to block images from loading automatically can help protect users and organizations, according to a 2023 Mimecast report.

Don’t engage with unrecognized senders—and double-check those you know If an email from an unknown sender asks you to scan a QR code, open links, share information, or download documents—just don’t. Detection is trickier when cyberattackers use known brands like Microsoft, Docusign and Amazon, in part because scammers now leverage companies that are relevant at a given time, such as posing as Amazon ahead of Cyber Monday. If you receive a suspicious email from a known sender, call them and ask for confirmation. In short, if an email seems “phishy,” don’t engage—report it.

Don’t fall for faux urgency

Quishers use manipulative tactics to encourage immediate action, such as companies asking you to contact them to reschedule deliveries or pretending your account was breached and asking to confirm your information.

To avoid a scam, the Federal Trade Commission recommends users preview URLs linked to QR codes for red flags like random strings of letters, misspellings or switched letters.

Trust your gut

Sharp instincts can also help users avoid the quishing traps. Be wary of improbable deals and emotional appeals, and never disclose personal information like Social Security

numbers—the same advice for avoiding most scams. Before you scan, exercise caution. Just like attachments and links, QR codes

can be questionable. AIbased image recognition software may be able to help detect corrupt QR codes, and hopefully security will catch

up to scammers. For now, good old common sense also works too. This article was originally published by Stacker Media.

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C

Protect your data: Expert tips for safely using public Wi-Fi

In 2025, safely using public Wi-Fi to protect personal information from computer and internet fraudsters is of the utmost importance.

Public Wi-Fi that does not require a password can leave data open to theft or manipulation, according to the National Security Agency (NSA). The NSA warns people to be wary of password-secured public Wi-Fi networks as well, because they might not fully encrypt all data going through them.

“Always note every action and use every protection when using public Wi-Fi,” said Stoy Hall, CEO and founder of Black Mammoth, a financial planning firm.

Hall emphasized that people should take the necessary steps to protect their personal data because no one else will. He said African Americans should really take precaution because they sometimes face discrimination and prejudice when attempting to recover from a scam.

Hall said people may “not believe you at first, thus making your recovery lengthy and expensive.”

According to a Pew Research report, 54 percent of adults who use the internet said they use

public Wi-Fi networks that may be insecure. One in five of the respondents said they use these networks to access e-commerce or online banking.

Hall provided a few tips on best public WiFi practices.

Use a VPN

“A VPN (Virtual Private Network) can be installed as an app on any of your devices,” said Hall. “Log in to that VPN and choose a different location that will be your IP address. If you’re not using a VPN, do not log in to any public WiFi unless it is a trusted source.”

The NSA strongly recommends using VPNs, which encrypt your data, preventing hackers and fraudsters from accessing your personal

information. The NSA also recommends only going to websites that utilize Hypertext Transfer Protocol Secure (HTTPS), which is typically indicated by URLs that start with “https://” or the symbol of a lock.

Use a personal hotspot

“This is what we recommend to all our business clients and what we use personally,” said Hall. “Anytime I am in a public setting…I will turn on my hotspot on my phone to use on the rest of my devices.”

While mobile phones can act as hotspots, a hotspot device can also be purchased separately to act as wireless access point that helps people connect their devices while on the go. According

to Frontier Internet, an internet service provider, mobile hotspots usually have automatic security encryption that helps scramble users’ data and protect their information from potential hackers. Washington Technology Solutions (WaTech), Washington State’s main technology service, recommends public Wi-Fi users make sure they are connecting to the correct network and not an imposter with a similar name, turn off auto-connect so they don’t automatically connect with bad networks and use a secure Wi-Fi network when possible.

Even with VPN or secured network use, WaTech recommends not using public Wi-Fi to complete financial transactions or access personal banking information.

Unsplash Photo/Mayne
hackers. Experts stress using VPNs

C elebrating NATIONAL FINANCIAL LITERACY MONTH

Cryptocurrency scams drive major spike in investment fraud

Cryptocurrency scams drive major spike in investment fraud

It started with a text message, seemingly meant for someone else. Ed Hayduk, a Pennsylvania resident, replied. Over the following weeks, he engaged in what he described to CBS News Philadelphia as a friendly conversation. Eventually, the sender convinced him to invest a small sum in a crypto wallet. Fake statements showing high returns persuaded Hayduk to invest more—ultimately totaling $50,000.

Then, the person behind the messages disappeared.

In an alarming trend that continues to accelerate, cryptocurrency-related investment fraud is leading to growing financial losses, according to the Federal Bureau of Investigation’s (FBI) 2023 Cryptocurrency Fraud Report.

The report reveals that while cryptocurrency-related complaints represent only about 10 percent of the total financial fraud complaints the FBI received during 2023 (the most recent data available), they account for nearly half of all financial losses, with estimated losses exceeding $5.6 billion—a staggering 45 percent increase from the year prior. The trend has continued into 2024, with Federal Trade Commission data showing $5.7 billion in losses due to investment scams, more than any other category.

CheapInsurance.com reviewed the FBI’s 2023 Internet Crime Report and the supplementary Cryptocurrency Fraud Report to analyze how crypto-related crimes cause the biggest losses.

People of all ages fall for crypto scams, but older adults had the biggest losses

Various types of fraud occur through the cryptocurrency nexus, the peer-to-peer network that uses blockchain technology to conduct transactions. Of particular concern is the rise in investment-related fraud, which accounted for nearly $4 billion in losses in 2023—approximately 71 percent of all cryptocurrency-related losses reported to the FBI. These scams often involve investments in fake assets or phony projects.

identities, forged paperwork and phony call centers add to the illusions—swindling victims out of their funds.

“Scammer’s tactics are constantly evolving,” Christopher Mufarrige, director of the FTC’s Bureau of Consumer Protection, said in a statement.

Who’s being targeted— and how to stay safe

While people aged 30 to 49 filed the most cryptocurrency investment fraud complaints, victims over 60 reported the highest losses—more than $1.24 billion. This aligns with broader trends where financial scams often disproportionately impact older Americans. For example, last October, the FTC reported to Congress that consumers 60 and older were five times more likely than younger people to report losing money on a tech support scam—a common type of fraud where the scammer pretends to offer the victim technical support, only to extort them or compromise their info once the victim has granted access to their system.

The FBI emphasizes several red flags that could indicate fraud: Be wary of investment opportunities from people you’ve never met in person who require digital assets to open an account or promise guaranteed or excessive returns with minimal risk. Scammers typically create pressure to act quickly to bypass rational thinking and may request cryptocurrency platforms for anonymous transactions.

This alone represents a 53 percent increase from the total losses from investment fraud reported in 2022.

“The decentralized nature of cryptocurrency, the speed of irreversible transactions, and the ability to transfer value around the world make cryptocurrency an attractive vehicle for criminals,” Michael D. Nordwall, assistant director of the FBI’s Criminal Investigation Division, said in the

Other types of crimes that use cryptocurrency include tech support, data breaches, and extortion, followed by romance- or confidence-related crimes.

Cryptocurrency Fraud Report.

The same factors that make cryptocurrency scams possible also create significant challenges for recovering stolen funds.

Pig butchering and other social scams

Socially engineered scams have become increasingly common, where criminals build trust with victims before introducing fraudulent investment opportunities. One of the most common investment scams is known as “pig butchering,” in which perpetrators use phishing techniques to gain

the trust of victims through dating apps, social media, and professional networking sites. They may also send unsolicited messages through encrypted platforms such as WhatsApp, Telegram, and Signal.

Ongoing correspondence can draw victims into a trap—even those who think they’re not susceptible to a scammer’s tactics. Sometimes, the communication may revolve around a fictitious romantic relationship, further manipulating victims into investing in fake cryptocurrency projects.

“Scammers will build trust for weeks and months before trying to convince you to invest in cryptocurrency,” the report warns. “They will use text messages, video chats, phone calls, and emails to lure you in.”

Once trust is established, victims are directed to fraudulent websites or apps where they’re shown fake profits and encouraged to invest. When they attempt to withdraw their supposed earnings, they’re told they need to pay additional fees or taxes—money they’ll never see again.

AI, call centers and sophisticated deception

Several factors, including wider access to cryptocurrency exchanges and the rise of artificial intelligence, drive the surge in investment scams. The District of Columbia Department of Insurance, Securities and Banking identified cases where AI has been used to clone voices,

alter images, spread false information and create fake videos, creating more realistic and sophisticated scams. Sometimes, AI can be used to impersonate family members, friends or famous people.

As cryptocurrency adoption grows, so does the sophistication of these scams. The FBI recommends verifying the legitimacy of any investment opportunity and being wary of suspicious-looking apps or websites with names that mimic legitimate financial institutions.

“The decentralized nature of cryptocurrency, the speed of irreversible transactions, and the ability to transfer value around the world make cryptocurrency an attractive vehicle for criminals.”

A recent multinational investigation, coordinated by the Organized Crime and Corruption Reporting Project, exposed the inner workings of two call centers that perpetrated these scams. Victims were often lured through fake social media ads, particularly on Facebook, where fraudulent news articles featured well-known public figures promoting schemes to “earn money while you sleep.”

The OCCRP found that these large-scale scams operated like professionally run businesses, relying on marketing firms, payment service providers and software companies to sustain their activities and create a veneer of professionalism. Fake

If you believe you’ve been victimized, file a complaint through IC3.gov with details about the transactions, including cryptocurrency addresses, transaction hashes and information about the scammer. Alternatively, ReportFraud.ftc.gov can be used to report fraud to the FTC. The bottom line: Be wary of the promise of fast, easy money—on any platform. As the report cautions, “If an investment opportunity sounds too good to be true, it likely is.”

This story originally appeared on CheapInsurance. com and was produced and distributed in partnership with Stacker Studio. This article was originally published by

Stacker Media.
Marco Dalla Stella
Unsplash/ Kanchanara
Crypto cons are on the rise. A growing wave of investment fraud, fueled by sophisticated cryptocurrency scams, led to over $5.6 billion in losses in 2023, according to the FBI.
Photo courtesy of Stacker Media

The District of Columbia Housing

(DCHA) Office of General Counsel (OGC) requires licensed, qualified professionals to provide UFAS and ADA Inspection of DCHA Accessible Units.

SOLICITATION DOCUMENTS will be available Tuesday, April 7, 2025 and can be found on Housing Agency Marketplace at: https://ha.internationaleprocurement.com/requests.html?compa-

ny_id=506

To access files Vendors are required to Register on the Housing Agency marketplace. See registration link below.

https://ha.internationaleprocurement.com/requests.html?compa-

ny_id=506

PROPOSAL RESPONSES ARE DUE ON OR BEFORE Wednesday, April 30, 2025, at 12:00 p.m.

Email LaShawn Mizzell-McLeod, Contract Specialist at LMMCLEOD@ dchousing.org for additional information.

their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 18, 2025.

THE DISTRICT OF COLUMBIA HOUSING AUTHORITY

REQUEST FOR PROPOSALS (RFP) SOLICITATION NO.: 46-2025 Industrial Hygienist

The District of Columbia Housing Authority (DCHA) requires licensed, qualified professional Industrial Hygienist to conduct Lead Based Paint (LBP) activities to ensure the safety and well-being of DCHA occupants.

SOLICITATION DOCUMENTS will be available Wednesday, April 9, 2025, and can be found on Housing Agency Marketplace at:

https://ha.internationaleprocurement.com/requests.html?company_id=506

To access files Vendors are required to Register on the Housing Agency marketplace. See registration link below.

https://ha.internationaleprocurement.com/requests.html?company_id=506

PROPOSAL RESPONSES ARE DUE ON OR BEFORE Wednesday, May 7, 2025, at 12:00 p.m.

Email LaShawn Mizzell-McLeod, Contract Specialist at LMMCLEOD@ dchousing.org for additional information.

Payment Policy for legal notice advertisements.

Effective immediately, The Afro American Newspapers will require prepayment for publication of all

accepted in the form of checks, credit card or money order. Any returned checks will be

result in the suspension of any future advertising at our discretion.

ANNE ARUNDEL COUNTY, MARYLAND Annapolis, Maryland ANNOUNCEMENT

REQUEST FOR BIDS

On or after February 17, 2025, Plans and Specifications may be obtained from the Anne Arundel County Web Page at the following address: https:// www.aacounty.org/departments/central-services/purchasing/P.O.R.T./ bids/index.html . Bids will be received until time/date shown below, please submit your bid electronically via the PORT. Bids received after the date and time set will be rejected.

Due by 1:30 p.m. Local Time, Tuesday, April 1, 2025.

Project: P588414 – Crownsville Wastewater Treatment Plant Decommissioning Phase 1 Sonication No.: CAP25000254

Contact: Chris Biggerstaff – 410-222-3191

HOUSING AUTHORITY OF BALTIMORE CITY INVITATION FOR BIDS CLASS 1 & 2 VANS, PICKUP TRUCKS, AND SUVS IFB NUMBER: B-2038-25

The Housing Authority of Baltimore City (“HABC”) will issue an Invitation for Bids (“IFB”) for interested vendors to supply Class 1 & 2 Vans, Pickup Trucks and SUVs.

BIDS WILL BE DUE no later than 2:00 p.m. Eastern Time on Friday, April 25, 2025.

A non-mandatory pre-bid meeting will be held on Wednesday, April 23, 2025, at 10:00 a.m., which will be scheduled as a virtual meeting.

The entire IFB can be viewed and downloaded by visiting https://habc. bonfirehub.com/projects on or after Monday, April 21, 2025.

Questions regarding the IFB should be directed in writing to the address and individual indicated below and must include the reference: HABC IFB Number B-2038-25.

Housing Authority of Baltimore City Division of Fiscal Operations, Procurement Department

Attention: Mary Kate Gagliardi, Senior Buyer Tel: (410) 396-3105 mary.gagliardi@habc.org

Rosetta Sands April 8, 2025

Miami — Dr. Rosetta Ford

“Idella” Sands, a pioneering educator, devoted servant of her faith, and tireless advocate for equal opportunity in healthcare education, passed away peacefully on April 8, 2025, in Miami, Florida. She was 93 years old.

Her distinguished career as a nurse educator spanned several decades and institutions. Dr. Sands taught nursing at Baltimore City Hospital, Sinai Hospital of Baltimore, the University of Maryland, and Coppin State University Schools of Nursing. At the University of Maryland, she broke barriers as the first African American nurse appointed Assistant Dean and later Acting Dean of the nursing program—an achievement that reflected both her professional excellence and commitment to equity.

In addition to her many professional accomplishments, Dr. Sands was deeply committed to her church community. After relocating to Baltimore, she became an active member of Union Baptist Church under the leadership of Rev. Baxter Matthews and remained a loyal member until her passing.

Dr. Sands is lovingly remembered by her son Rev. Dr. Michael H. Sands (Rayetta), grandson Michael H. Sands Jr., and sister Ms. Alva F. Maull.

A memorial service celebrating Dr. Sands’ remarkable life will be held on Saturday, April 26, 2025, from 11:00 AM to 12:00 PM at Vaughn C. Greene Funeral Services located at 5151 Baltimore National Pike, Baltimore, Maryland 21229.

Dr. Rosetta Ford “Idella” Sands leaves behind a legacy rooted in faith, education, service, and justice—a legacy that will continue to inspire generations to come. May her memory bring comfort to those who knew and loved her.

ers’

virtual event and additional details will be

at bbmr.baltimorecity.gov. Contact budget@baltimorecity.gov

CITY OF BALTIMORE DEPARTMENT OF TRANSPORTATION NOTICE OF LETTING

Sealed Bids or Proposal for the TR-25011, ADA CURB RAMP CONSTRUCTION NORTH URGENT NEED (JOC) will be received at the Office of the Comptroller, Room 204, City Hall, Baltimore, Maryland until MAY 21, 2025, at 11:00 A.M. Board of Estimates employees will be stationed at the Security Unit Counter just inside the Holliday Street entrance to City Hall from 10:45 A.M. to 11:00 A.M. every Wednesday to receive Bids. Positively no bids will be received after 11:00 A.M. The bids will be publicly opened by the Board of Estimates in Room 215, City Hall at Noon. As of APRIL 18, 2025, the Contract Documents may be examined, without charge by contacting Brenda Simmons at brenda.simmons@ baltimorecity.gov or (443) 865-4423 to arrange for a copy of the bid book labeled “NOT FOR BIDDING PURPOSES” to be emailed to you. Anyone who desires to purchase a bid book to be used for bidding purposes must do so in person and by contacting Brenda Simmons at the email address or phone number above. The non-refundable cost is SEVENTY-FIVE DOLLARS AND NO CENTS ($75.00) to be paid at the Department of Transportation 417 E. Fayette Street, Baltimore, Maryland 21202 made payable to the Director of Finance. Conditions and requirements of the Bid are found in the bid package. All contractors bidding on this Contract must first be prequalified by the City of Baltimore Contractors’ Qualification Committee. Interested parties should call (410) 396-6883 or contact the Committee at 4 S. Frederick Street, 4 th Floor, Baltimore, Maryland 21202. If a bid is submitted by a joint venture (“JV”), then in that event, the document that established the JV shall be submitted with the bid for verification purposes. The Prequalification Categories required for bidding on this project are D02620 (Curb, Gutter & Sidewalk. Cost Qualification Range for this project will be from $2,000,000.01 to $3,000,000.00. A “Pre-Bidding Information” session will be conducted via Microsoft Teams on MAY 1, 2025, at 10:00 a.m. hosted by the Department of Transportation. All Bidders must email your contact information to include your name, company name, phone number and email address to john.malinowski@baltimorecity.gov to receive an invite to the Microsoft Team (video conference meeting. Principle Items of work for this project are 5-in Concrete Sidewalk – 30000 SF; Survey, Evaluation, Sketches, & Stakeout for Curb Ramps – 120 EA; and Concrete Curb or Combination Curb, Gutter, Variable Width & Height – 4800 LF. The MBE Goal is 28%; The WBE Goal is 10%. APPROVED: Celeste Amato, Board of Estimates

VISIT BALTIMORE PUBLIC HEARING ON THE BALTIMORE TOURISM IMPROVEMENT DISTRICT FISCAL YEAR 2026 (FY2026) FINANCIAL PLAN

The District Management Committee of Visit Baltimore will meet on Thursday, April 24, 2025, at 10:00 AM at a virtual public meeting hosted by Visit Baltimore to conduct a public hearing on the Baltimore Tourism Improvement District (BTID) FY2026 Financial Plan. The public hearing is a requirement of Article II, §70 of the Baltimore City Charter, and Article 14, §20 of the Baltimore City Code. At the public virtual hearing, the District Management Committee will review the BTID FY2026 Financial Plan for approval. The BTID FY2026 Financial Plan includes the proposed budget and BTID special assessments to be levied on any “Hotel” as defined in City Code Article 28, §21-1(c). The FY2026 Financial Plan will also outline proposed services to be provided by the BTID. If approved, the FY2026 Financial Plan will be submitted to Baltimore City Board of Estimates for final approval. The public hearing will allow for public comment on the FY2026 Financial Plan.

For more information and registration link contact: Mia Blom, Visit Baltimore’s Sr. Director of Government & Community Affairs at 410-659-8373 or mblom@baltimore.org

the bidding phase for several HABC demolition projects.

This solicitation follows the multi-step sealed bidding process, which is described in the HUD Procurement Handbook No: 7460.8 Rev 2, Issued: March 2, 2007 as a two-phase process in which bidders submit technical proposals, to be reviewed by HABC and a second phase in which those bidders whose technical proposals have been found to be acceptable during the first phase will be invited to summit sealed bids on projects for HABC consideration.

PROPOSALS WILL BE DUE no later than 2:00 p.m. Eastern Time on Friday, May 9 th , 2025.

A non-mandatory pre-proposal conference will be held on Wednesday, April 30, 2025, at 10:00 a.m., which will be scheduled as a virtual meeting. The entire RFQ can be viewed and downloaded by visiting https://habc. bonfirehub.com/projects on or after Monday, April 21, 2025

Questions regarding the RFQ should be directed in writing to the address and individual indicated below and must include the reference: HABC RFQ Number B-2037-25.

Housing Authority of Baltimore City Division of Fiscal Operations, Procurement Department 417 E. Fayette Street, Room 414 Baltimore, Maryland 21202 Attention: John Airey, Senior Vice President of Procurement Tel: 410-396-3261 john.airey@habc.org

NOTICE PROTEST OF RENEWAL

Under the provisions of Alc. Bev. & Can. Art. §4-406 and 12-1805 an alcoholic beverage license may not be renewed without a hearing when a valid petition for protest of renewal has been filed against the renewal application of the license. All hearings concerning protest of renewal will be held in Room 215 of City Hall, 100 N. Holliday Street. If you wish to confirm a hearing date or time, you may contact the Liquor Board at (410) 396-4380. All persons entering City Hall must have photo identification. The Board has received protests from community residents concerning the renewal of three (3) liquor licenses and has scheduling the hearings for those protests as follows:

April 17, 2025 – Room 215, City Hall, 100 N. Holliday Street

10:30 AM – Malcolm H. Delaney and Anthony Fitzgerald, So Baltimore, LLC, T/a So Baltimore Sports Bar & Grill 3734 Fleet Street Class “BD7” Beer, Wine & Liquor License

11:00 AM – Darin Maslan, Thames Street Venture, LLC, T/a The Undefeated, 1704 Thames Street Class “BD7” Beer, Wine & Liquor License

11:30 AM – Vasilios G. Tserkis, Admiral’s of Thames, LLC, T/a Waterfront Hotel, 1710 Thames Street Class “BD7” Beer, Wine & Liquor License

appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 18, 2025. Claims against the decedent shall be presenTed to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 18, 2025, or be forever barred. Persons believed to be heirs or legatees of the decedent

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION

ADMINISTRATION NO. 2025ADM346 JESSE ALFRED WINSTON JR. Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs JESSE AJANI WINSTON whose address is 6800 HARRIS DEPOT ROAD, HARRISBURG,

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM297

ARLENE E. JACKSON Name of Decedent

THOMAS P. HARTNETT 700 PENNSYLVANIA AVENUE SE, SUITE 200 WASHINGTO, DC 20003 Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

THEODORA SANDIFER whose address is 7507 ALLENDALE DRIVE, HYATTSVILLE, MD 20785 was appointed Personal Representative of the estate of ARLENE E. JACKSON who died on AUGUST 03, 2024 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 18, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or

shall be presenTed to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 18, 2025, or be forever barred. Persons believed to be heirs or legatees

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM000286 PRESTON DUNSTON Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

BOBBIE JEAN WARD whose address is 1600 HARDWICK CT # 404 HANOVER, MD 21076 was appointed Personal Representative of the estate of PRESTON DUNSTON who died on DECEMBER 03, 2024, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the

Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 04, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: APRIL 04, 2025 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

MICHAEL LEVELT WILLIAMS Personal Representative

Washington Classifieds

by

of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: APRIL 04, 2025 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

GILBERT E. BROWN Personal Representative TRUE TEST COPY REGISTER

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO.

2025ADM000238

BARBARA C. DRAKE Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

BRENDA ROBINSON whose address is 12102 MACKELL LANE, BOWIE, MD 20715 was appointed Personal Representative of the estate of BARBARA C. DRAKE who died on DECEMBER 16, 2024, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 11, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 11, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: APRIL 11, 2025 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

BRENDA ROBINSON Personal Representative TRUE TEST COPY REGISTER OF WILLS 4/11, 4/18, 4/25/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM000283

ELIZABETH KEYS

Name of Decedent

ELIZABETH HUGHES, ESQ. 1825 K STREET, NW, SUITE 950 WASHINGTON, DC 20006 ATTORNEY

Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

DAVID SEIDMAN whose address is 2259 12TH PLACE, N.W., WASHINGTON, DC 20006 was appointed Personal Representative of the estate of ELIZABETH KEYS who died on JANUARY 29, 2025, with a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 11, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 11, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication:

APRIL 11, 2025

Name of newspaper and/or periodical: Washington Law Reporter

AFRO American Newspapers

DAVID SEIDMAN Personal Representative

TRUE TEST COPY REGISTER OF WILLS

4/11,

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM000192 JAMES ROBERTSON Name of Decedent NATALIE S. WALKER, ESQ. 1101 CONNECTICUT, AVENUE, NW, SUITE 402 WASHINGTON, DC 20036 ATTORNEY Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs ROSA MARIE ROBERTSON whose address is 619 DARRINGTON STREET, SE, WASHINGTON, DC 20032 was appointed Personal Representative of the estate of JAMES ROBERTSON who died on APRIL 18, 2020, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 04, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 04, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: APRIL 04, 2025 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

ROSA MARIE ROBERTSON

Personal Representative

TRUE TEST COPY REGISTER OF WILLS 4/04, 4/11, 4/18/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION

ADMINISTRATION NO. 2025ADM000250

MILDRED JONES BROWN Name of Decedent

DELALI ABLA DAGADU 1717 K STREET NW, STE 900 WASHINGTON, DC 20006

ATTORNEY

Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

ELAINE BENITA JONES whose address is 4547 EADS STREET NE, WASHINGTON DC, 20019 was appointed Personal Representative of the estate of MILDRED JONES BROWN who died on DECEMBER 14, 2024, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 11, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 11, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 11, 2025 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

ELAINE BENITA JONES Personal Representative

TRUE TEST COPY REGISTER OF WILLS 4/11, 4/18, 4/25/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM000273

CHARLES WILLIAM WASHINGTON III Name of Decedent HORACE LEE BRADSHAW JR 1644 6TH STREET, NW WASHINGTON, DC 20001

ATTORNEY

Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

CAMELIA ROCHELLE GUNN & RICHARD

WASHINGTON whose addresses are 3307 HIGH STREET, EASTOVER NC, 28312 & 1905 BRAHORN LN. FORT WORTH TX, 76131 were appointed Personal Representatives of the estate of CHARLES WILLIAM WASHINGTON III who died on NOVEMBER 08, 2024, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 11, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 11, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication:

APRIL 11, 2025

Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

CAMELIA ROCHELLE GUNN RICHARD WASHINGTON Personal Representatives

TRUE TEST COPY REGISTER OF WILLS 4/11, 4/18, 4/25/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM000296 THELMA HAUSER Name of Decedent CHARLES CANTY, ESQ. 1125 CONNECTICUT AVE, N.W., #1000 WASHINGTON, DC 20036

ATTORNEY

Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

EBONIE BAZEMORE whose address is 1018 ANDERSON PL, S.E., WASHINGTON, DC 20032 was appointed Personal Representative of the estate of THELMA HAUSER who died on JULY 12, 2024, without a Will. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 11, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 11, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication:

APRIL 11, 2025

Name of newspaper and/or periodical: Washington Law Reporter

AFRO American Newspapers

EBONIE BAZEMORE Personal Representative

TRUE TEST COPY REGISTER OF WILLS 4/11, 4/18, 4/25/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2025ADM000268 BRIAN T. ANDERSON Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs BRIANA T. MCMILLIAN whose address is 860 WHITTIER PL NW, WASHINGTON, DC 20012 was appointed Personal Representative of the estate of BRIAN T. ANDERSON who died on AUGUST 8, 2024, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 11, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before OCTOBER 11, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: APRIL 11, 2025 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

BRIANA T. MCMILLIAN Personal Representative

TRUE TEST COPY REGISTER OF WILLS 4/11, 4/18, 4/25/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION 2025FEP000032 JULY 6, 2024 Date of Death KARLA ALBERTA LEWIS Name of Decedent

NOTICE OF APPOINTMENT OF FOREIGN PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS ARIS LEWIS-CARROLL whose address is 1307 DOUGLASS AVE, HIGHLAND BEACH, MD 21403 was appointecd representative of the estate of KARLA ALBERTA LEWIS deceased, by the ORPHANS Court for ANNE ARUNDEL County, State of MARYLAND, on AUGUST 26, 2024. Service of process may be made upon JOHN M. CLIFFORD, ESQUIRE, 815 BLACK LIVES MATTER PLAZA, NW, #44082, WASHINGTON, DC 20006 whose designation as District of Columbia agent has been filed with the Register of Wills, D.C. The decedent owned the following District of Columbia real property: 110 U ST, NE, WASHINGTON, DC 20002. Claims against the decedent may be presented to the undersigned and filed with the Register of Wills for the District of Columbia, Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001 within 6 months from the date of first publication of this notice.

Date of first publication: APRIL 11, 2025 Name of newspaper, and/or periodical: Daily Washington Law Reporter AFRO-American

ARIS LEWIS-CARROLL Personal Reperesenative

TRUE TEST COPY REGISTER OF WILLS 4/11,4/18,4/25/25

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION

ADMINISTRATION NO. 2025ADM000169

FLORENCE C SIMS Name of Decedent

MARY PALOGER, ESQ. EAST COAST LEGAL GROUP 1629 K ST., NW SUITE 300 WASHINGTON, DC 20006

ATTORNEY

Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

SHARON S LACY whose address is 6702 5TH ST., NW WASHINGTON, DC, 20012 was appointed Personal Representative of the estate of FLORENCE C SIMS who died on FEBRUARY 02, 2022, without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before SEPTEMBER 21, 2025, Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before SEPTEMBER 21, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication:

MARCH 21, 2025

Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

SHARON S LACY

Personal Representatives

TRUE TEST COPY REGISTER OF WILLS 3/21, 3/28, 4/04/25

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