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Michael Cohen, Donald Trump's former lawyer, pleaded with the American public on Friday to head to the polls and vote against the President and the Republican Party, predicting that if they did not, there would be two or six more years of "craziness.""Listen, here's my recommendation. Grab your family, grab your friends, grab your neighbors, and get to the poll, because if not, you are going to have another two or another six years of this craziness," Cohen told CNN in a brief interview outside of his Manhattan home. "So, make sure you vote. All right?"Cohen's remarks marked his first on-camera comments to the media since he pleaded guilty in August to eight criminal counts.Cohen's lawyer, Lanny Davis, said his client changed his party registration back to Democrat last week. Cohen was a Democrat for years, but changed his official registration to Republican after the 2016 election.Asked about that decision to change his party registration, Cohen told CNN: "I've been Democrat for pretty much my whole entire life. I switched because of a request of the RNC. Couldn't be the vice chair of the RNC and be a Democrat."CNN reported this week that Cohen is now willing to campaign for Democrats -- and against Trump -- in the midterms and the 2020 presidential election. Notably, he is prepared to call out anything he views as lies told by the President, a source with knowledge said."The #MidtermElections2018might be the most important vote in our lifetime," Cohen tweeted over the weekend, adding: "#GetOutAndVote#VoteNovember6th"The 52-year-old has in recent weeks met with investigators from special counsel Robert Mueller's office. On Wednesday, he met with investigators from the New York State Attorney General's office and the Southern District of New York.On Friday, Cohen walked away and ignored CNN's question about his meeting with investigators.In addition to tax evasion and making false statements to banks, Cohen also pleaded guilty in August to campaign finance violations. He said in a courthouse that "in coordination and at the direction of a candidate for federal office" -- Trump -- he kept information that could have harmed the President from becoming public during the 2016 election.Cohen orchestrated a payment to adult film star Stormy Daniels before the 2016 election in an effort to silence her about her alleged affair with Trump. He was also involved in a similar hush agreement related to Karen McDougal, a former Playboy model who also alleges to have had an affair with Trump, who has denied sexual relationships with both of them. 2585

MARICOPA COUNTY, Ariz. – Arizona's most populated county will dismiss all pending and unfiled charges of possession of marijuana now that voters have passed Prop 207, which legalizes recreational marijuana in the state.The Maricopa County Attorney's Office made the announcement on Monday, nearly a week after residents voted on the measure. 350

MANHATTAN, N.Y. — Police took an alleged attempted rapist into custody Sunday after a Saturday morning assault inside a Manhattan subway station, authorities said.The woman, who was headed home from work, was followed off the train and onto the Q train platform at the Lexington Avenue–63rd Street station around 11 a.m. Saturday, NYPD Chief of Detectives Rodney Harrison said. Jose Reyes allegedly pushed the 25-year-old woman to the ground and tried to rape her."It's a heinous act," Harrison said. "It's horrible." Bystanders on the platform rushed over to intervene, and Reyes alllegedly stopped the attack, according to police.A witness took cellphone video of the suspect before he fled the station.The victim suffered minor injuries and refused medical attention at the scene, police said.Reyes had been spotted smoking hookah before the alleged attack, Harrison said. He allegedly had several narcotics in his possession. Reyes had been arrested several times before this incident.Harrison emphasized how important the community's role was in the quick arrest."We received three crime stopper tips that were very instrumental," Harrison said.This story was originally published by Lauren Cook on WPIX in New York City. 1241

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

MADISON, Wis. (AP) — President Donald Trump canceled a planned appearance in western Wisconsin amid calls from the city's mayor and the state's governor, both Democrats, that he not hold a rally amid a surge in coronavirus cases. The director of the La Crosse airport said the event was canceled due to a lease issue, not concerns over the coronavirus. Trump replaced the La Crosse rally with one in Janesville, located about 175 miles away, prompting authorities there to also ask the president to reconsider. Trump is also holding a rally Saturday in Green Bay. Both will be outside at airports. State health officials reported 2,887 newly confirmed cases on Thursday, a new daily record, along with 21 more deaths. 725