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The Trump administration plans to eliminate routine audits of lenders for violations of the Military Lending Act, according to internal agency documents, The New York Times reported on Friday.Mick Mulvaney, the interim director of the Consumer Financial Protection Bureau, plans to terminate the supervisory examinations of lenders, arguing proactive oversight is not laid out in the legislation, according to the report.The proposal to weaken oversight under the Military Lending Act, which was created to protect military service members and their families from financial fraud, predatory loans and credit card gouging, came as a surprise to advocates of military families, the report stated. Those advocates have pressed the government to put a stop to unethical lenders.The agency has been critical in fighting lender misconduct, rolling out mortgage and payday-lender rules and cracking down on bad behavior by penalizing Citigroup, Wells Fargo and many other lenders.In lieu of conducting examinations, the agency will rely on complaints from its websites, hotlines, the military and people who believe they are victims of fraud, the Times reported.President Donald Trump has tapped Kathleen Kraninger to succeed Mulvaney as chief of the consumer watchdog agency. Kraninger, who works under Mulvaney, is expected to face a tough Senate confirmation battle.Under Mulvaney, the bureau has undergone major changes opposed by both Democrats and consumer advocates. In June, Mulvaney effectively terminated a board of advocates who advised the agency about fair lending and underserved communities. The advisers were told on a conference call that the board would not meet until new members were appointed. The CFPB, however, insisted nobody had been fired.The government watchdog agency, which is charged with consumer protection in the financial sector, was created after the financial crisis with the passage of the 2010 Dodd-Frank Act. 1948

The shortest day in what feels like the longest year has arrived. Monday is the Winter Solstice, the day each year when there is the least amount of sunshine in the Northern Hemisphere.The Winter Solstice is the official first day of winter, which lasts until March 20, 2021. It’s when the sun appears at its most southern position in the sky.If it has felt like the world has been getting darker and darker the last six months, that’s because it kind of has been. As the sun spent less and less time shining on the Northern Hemisphere.The closer a person is to the North Pole, the less time they will see the sun. People in Nome, Alaska will only have roughly 3 hours and 54 minutes of sunshine on Monday.There will now begin to be slightly more daylight each day until the Summer Solstice, which is on June 20, 2021.In the Southern Hemisphere, it’s the opposite: it’s the day each year with the most sunshine and marks the beginning of summer in places like Australia, Argentina and South Africa.Many traditional celebrations on the solstice were canceled this year because of the coronavirus pandemic. Including at the world famous Stonehenge, where there is usually a large annual celebration on the solstices. 1222

The surviving members of a grief-stricken Oregon family who believe a 13-year-old boy died while trying to save his grandmother in a wildfire detailed their harrowing attempts to escape the fire. The Statesman Journal reported that 13-year-old Wyatt Tofte of Lyons, Oregon, and his 71-year-old grandmother Peggy Mosso are among the six reported fatalities in the state from the ongoing fires. Wyatt, who was found Wednesday with his dog, is survived by his parents Angela Mosso and Chris Tofte. Angela Mosso is being treated at a burn center in Portland. More than 40,000 Oregonians have been evacuated from their homes so far and about 500,000 are in different levels of evacuation zones.The West Coast wildfires so far have consumed more land area than the size of Connecticut. In California, 10 people have died so far, with more missing. 850

The U.S. has surpassed another bleak marker in the COVID-19 pandemic, as the country has reached 10 million confirmed cases of the virus, according to a database kept by Johns Hopkins.The milestone comes just hours after global cases surpassed 50 million, meaning about one out of every five people around the world diagnosed with the virus since the pandemic began has been diagnosed in the U.S.At least 237,000 Americans have died of the virus since the pandemic began. The U.S. continues to lead the world in both total cases and in deaths linked to the virus.The U.S. surpassed its 10 millionth case as the country deals with a disturbing spike in infections ahead of the winter months. The country surpassed 120,000 new cases in a single day three times last week, obliterating previous records. Prior to last week, the most confirmed cases the U.S. had seen in a single day was 102,000.The U.S. has recorded a million new cases of COVID-19 in the last 10 days alone. The country surpassed the 9 million case plateau on Oct. 30.In addition to the spike in cases, hospital resource use is also on the rise, and deaths linked to the virus are up slightly in recent days, though the death rate is not near what it was in March and April. Johns HopkinsHealth experts have warned that the U.S. is currently in a perilous position in the pandemic, with transmission rates as high as they have ever been as Americans move social gatherings indoors for winter months.In a memo last week, Dr. Deborah Birx — a member of the White House coronavirus task force — warned that the country is entering "the most deadly and concerning" phase of the pandemic.Late last month, Dr. Anthony Fauci — a member of the White House coronavirus task force and the county's top expert on infectious diseases — warned that the U.S. was in for a "whole lot of pain" if things didn't change soon.The U.S. did get some good news in the pandemic on Monday, as Pfizer announced that its vaccine candidate has been 90% effective in promoting immunity against the virus. However, even if the vaccine were to get FDA approval in the next few days, it would still take several months for most of the country to be vaccinated — and officials fear that vaccine skepticism could keep immunity levels below the threshold to stifle the virus. 2314

The Scripps National Spelling Bee has released the 27 titles that are on its 2020-21 Great Words, Great Works booklist.The list of books is for students that span from first to eighth grade and will help students prep for their annual school spelling bee with a list of 450 words that are on the School Spelling Bee Study List each year."Parents and teachers are always looking (especially during the summer) for reading suggestions for kids," The Scripps National Spelling Bee said. "The Scripps National Spelling Bee recognizes the important connection between reading and spelling. Before our competitors were great spellers, they were great readers. With that in mind, the Bee team intentionally selected its school-level spelling study words from engaging, age-appropriate books. The Bee organized those titles into the Great Words, Great Works book list. This year, students can expand their vocabularies and their world views while hearing from a diverse cast of characters on topics such as climate change, homelessness, immigration, gender identity, and the power of dreaming. Messages of friendship, hope, and overcoming adversity connect all 27 books, creating bridges between different cultures and life experiences."Here is a sampling of this year's Great Words, Great Works list:Sulwe by Lupita Nyong’oThe Dog Who Lost His Bark by Eoin ColferAda Twist and the Perilous Pants by Andrea BeatyWhales on Stilts by M.T. AndersonA Monster Like Me by Wendy S. SworeNo Fixed Address by Susin NielsenLily and Dunkin by Donna GephartThe Bone Houses by Emily Lloyd-JonesFor a Muse of Fire by Heidi HeiligThe Silmarillion by J.R.R. TolkienThe complete list is available on the Bee’s website. 1701

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