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Louisville Mayor Greg Fischer announced that a citywide curfew will be extended through the weekend as unrest in the city reignited on Wednesday.The demonstrations were sparked by a grand jury announcement that charges would not be filed against the two officers who shot and killed Breonna Taylor during a March raid.The curfew will continue from 9 p.m. to 6:30 a.m. every day through Monday. The curfew does not apply to people commuting to work, house of worship for services or seeking medical attention for themselves or others.The city has also closed some of the city’s downtown government facilities through Monday morning.On Wednesday, 127 arrests were tied to demonstrations in the city. Amid the unrest, two Louisville Metro Police officers were wounded by a gunman. A suspect, Larynzo Johnson, was arrested on Wednesday. Johnson is accused of shooting the two officers who were patrolling demonstrations in the city. 936

LOS ANGELES, Calif. – The mayor of Los Angeles is authorizing the city to shut off the utilities at homes and businesses that host large parties during the COVID-19 pandemic.Mayor Eric Garcetti made the announcement Wednesday, arguing that such large gatherings put the entire community at risk of contracting the deadly coronavirus.Garcetti says he will allow the city to shut off Los Angeles Department of Water and Power service in “egregious” cases, in which houses, businesses and other venues are hosting unpermitted large gatherings.“While we have already closed all nightclubs and bars, these large house parties have essentially become nightclubs in the hills,” said Garcetti. “Many times, the homes are vacant or used for short term rentals. And beyond the noise, traffic and nuisance, these large parties are unsafe and can cost Angelinos their lives.”Starting on Friday night, Garcetti says if the Los Angeles Police Department responds and verifies that a large gathering is occurring at a reoffending property, officers will provide notice and initiate the process to request that DWP shut off service within the next 48 hours.The mayor’s announcement came hours after a city councilman introduced a motion to increase penalties for property owners who hold large parties in violation of public health orders. Under the motion, penalties for these gatherings could also include utility shut offs.The city’s actions come after a deadly shooting at a mansion party on Tuesday, where police say a 35-year-old woman was killed and multiple other people were wounded, KNBC and KCBS report.The Los Angeles Public Health Department continues to advise residents to keep 6 feet apart from others, only gather with those you live with, wash or sanitize hands often, and always where a mask when leaving home. 1821

Michigan Attorney General Dana Nessel says President Donald Trump's personal attorney Rudy Giuliani "embarrassed the state" on Wednesday in a Michigan House Oversight Committee Wednesday night in which he again attempted to overturn the results of the 2020 election in the state.The meeting featured Giuliani questioning witnesses he brought, as well as unverified and false claims regarding election fraud in the city of Detroit.Nessel, a Democrat, said that Republican members of the committee "embarrassed our state and defamed Michigan's most populous city."Nessel also called on Michigan Republican Party Chair Laura Cox to "put up or shut up" and instead take the evidence Republicans say they have of election fraud to her office for investigation.While Trump has been attempting for several weeks to overturn the results of the election citing widespread voter fraud, his legal team has presented little evidence to support his claim.Attorney General Bill Barr, one of Trump's staunchest defenders, said this week that the DOJ uncovered no evidence of widespread fraud that would change the election results.Several witnesses presented by Giuliani Wednesday say they saw irregularities and fraud while counting ballots at Detroit's TCF Center after polls closed. There is no evidence that proves those claims, and judges have ruled against lawsuits that argued the same claims brought in front of the committee.Giuliani also claimed as he has for weeks that thousands of votes were cast illegally despite offering no evidence to support his claim.Michigan has already certified the results of the November election, with president-elect Joe Biden winning the state by more than 150,000 votes.This story was originally published by Max White on WXYZ in Detroit. 1776

Millions of Americans received a boost of cash from the CARES Act this year and are hoping for more help from Congress. However, more people who work and pay taxes never received aid the first time. While many in the United States disagree with providing public assistance to workers during the COVID-19 pandemic, some states offer monetary support.Damariz Posadas says she’s passionate about learning and working hard to reach her goals. She’s a graduate student at Boston University. But recently, paying for school has become her hardest test.“I was on what you call a ramen diet,” Posadas said. “I bought ramen and eggs and prayed for the best.”The Mexican immigrant lost her full-time job in August, but in September, she found a part-time job that provided just enough to stay afloat. She not only has a full course load but also cares for her younger sister.‘’I’m working 20 hours a week, trying to support a child, trying to go to school, trying to pay bills, trying to make rent on time,” said Posadas.The challenges do not end there. Posadas is undocumented, and because of this, she cannot apply for public assistance. However, she does pay taxes with an individual taxpayer identification number, also known as I-TIN, that was assigned by the Internal Revenue Service.Massachusetts has not passed legislation to provide public assistance to undocumented immigrants, but other states have.In response to the COVID-19 outbreak, California offered a one-time, state-funded disaster relief assistance to undocumented immigrants who did not qualify for unemployment or money from the CARES Act.States like Washington and Illinois have already allocated millions to provide pandemic-related emergency assistance to immigrants who are undocumented and unemployed. 1776

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