Consumer advocates call them "debt" traps. The banks that offer them call them direct-deposit advances and describe them as available funds for short-term emergencies.

But the cash advances have many of the negative characteristics of payday loans. And on Thursday, U.S. bank regulators took a step toward protecting consumers from the risks they pose. The regulators proposed standards for "deposit-advance products."

Life on the Mississippi River is a roller coaster of highs and lows: record high floodwaters one year, a drought and near-record low water levels the next. And those are just two of the many problems faced by river stakeholders like barge operators, farmers and conservation groups.

Those stakeholders met recently in Chicago to discuss the Mississippi's most pressing needs, any common ground, and how to speak with a unified voice in advocating for the nation's largest river system.

So far, that hasn't been easy.

Critical, Crumbling Lifeline

The U.S. military and law enforcement agencies have seen increased public scrutiny on the domestic use of the robotically piloted planes known as drones. Working on the sidelines of this debate, the U.S. Geological Survey has been trying to find a second life for retired military drones in the areas of environmental and wildlife management. Instead of watching the battlefield, these drones are watching birds.

The U.S. Senate may vote this week on the Marketplace Fairness Act, a bill that would allow states to collect sales tax from more online retailers. And as the political and retail landscape has shifted from the last time around, the Senate is expected to approve the measure.

The proposal to require online sellers to collect out-of-state sales tax has been kicked around for many years. For a decade, Amazon was a fierce opponent.