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A group of Republicans are making good on their threat to attempt to force an immigration floor vote in the House -- potentially paving the way for a showdown among proposals to save the Deferred Action for Childhood Arrivals program.The lawmakers on Tuesday signed what's known as a discharge petition -- a procedural maneuver that can bring legislation to the House floor if it is signed by a majority of House members regardless of whether it has moved through committee, as is traditionally the case for most legislation. If the petition were to pick up enough supporters, it would set up a floor debate on four different immigration measures as early as June.The move is unusual for members of the majority party, who are effectively going around House Speaker Paul Ryan to set up a vote on legislation that GOP leadership has refused to call to the floor for a vote. Still, the members insist they are making an effort to be deferential to leadership, by leaving one bill open to the speaker's choosing.The effort is being spearheaded by three moderate Republicans who have long been vocal about trying to save DACA, a program that protected young undocumented immigrants who came to the US as children -- Reps. Will Hurd of Texas, Jeff Denham of California, and Carlos Curbelo of Florida. Curbelo officially introduced the petition Wednesday morning.In an exclusive interview with CNN, the three moderates said the goal was to have a long overdue immigration debate without a predetermined outcome."This institution should be driven by courage, not by cowardice, and the goal should not be to suppress members from pursuing their legislative goals, it should be to empower each member, and that's what we're trying to do," Curbelo said. "The goal is to empower each member of the House, including the speaker, to advance the solution that each member believes is the best one for this challenge and to try to gain supporters for that solution. So this is not in defiance of anyone."A spokeswoman for Ryan didn't comment specifically on the petition, saying efforts to pass immigration legislation continue in general."We continue to work with our members to find a solution that can both pass the House and get the president's signature," AshLee Strong said.The three members who pitched the proposal held a news conference Wednesday afternoon announcing their move, and were joined by fellow Republican Reps. Mario Diaz-Balart, of Florida, John Faso, of New York; Mia Love, of Utah; and Ileana Ros-Lehtinen, of Florida.The petition has more than a dozen Republicans on it already, Denham said, and while the members would not reveal their list of supporters in advance, they did note the signatories come from across the ideological spectrum.As of mid-afternoon Wednesday, the petition had 15 signatories, mostly moderates.Some more conservative members of the House could back the effort because it would allow a vote on a hardline immigration measure they've supported, and circumvent what conservatives often complain is overly restrictive procedural controls by leadership."I think you'll see many different caucuses throughout the House that are engaged in this debate that are focused on different solutions," Denham said. "I think it's our job. Congress needs to do its job and be held accountable."President Donald Trump sought to end the executive program put in place under the Obama administration last September, but a collection of court rulings have found Trump's action likely does not pass legal muster, and kept the program largely in place. A group of red states recently sued in a different court to try to have the program itself declared unconstitutional.Lawmakers have sought to pass legislation that would enshrine the program in law, which would address critics who say it goes beyond the authority of the executive branch. But efforts to protect it in Congress have been unsuccessful.It remains unclear if the new effort will pick up enough support to force a House showdown. While it starts with a number of Republicans in support, it would still need to roughly double the number of GOP members signing on and pick up all Democrats in the House. Effective discharge petitions have been rare in House history, though not unheard of.Democrats have insisted on a path to citizenship for DACA recipients and have opposed measures that they say are too aggressive or punitive to immigrants in return, though they have agreed to billion in border security funding. Most Republicans have been split about a path to citizenship, and have insisted any such deal must include cuts to legal immigration and hardline measures to target illegal immigration, as well.The discharge petition would support what's known as a "queen-of-the-hill" rule, which would bring four competing immigration-related bills to the floor for debate and a vote. Denham and Hurd had previously announced the rule had the support of 50 Republicans and 190 Democrats, more than 20 members over the threshold for a majority of the House, but it's unclear if all of them will back the petition.Denham, Hurd and Curbelo's move Tuesday would pave the way for a floor vote on a hardline bill from Republican Reps. Bob Goodlatte, Mike McCaul and others that does not include a path to citizenship; a creation of a program like DACA without any border security measures from Democrats; a bill Ryan would offer; and a bipartisan bill?from Hurd and California Rep. Pete Aguilar that would pair a path to citizenship with a direction to the administration to gain "operational control" of the border by the best means available. The rule also allows for the authors of the bills to change them, and the members expected all of the proposals would evolve before a floor vote -- especially to include language that would appropriate billions for border security.GOP leadership has agreed to whip the Goodlatte bill, but it has failed to gain the support of enough Republicans to make it viable to pass the House. The President has backed Goodlatte's legislation and rejected all the other proposals put forth besides his own hardline plan. The reserved spot for the speaker could be any bill of his choosing.The "queen-of-the-hill" procedure would mimic an exercise in the Senate earlier this year, when votes on four competing immigration proposals ended with none reaching the number of votes necessary to move forward, including the President's plan."This debate is too important not to have," said Hurd, who has roughly one-third of the entire southern border as part of his district, more than any other single member. "Let's have this debate on the House floor and let everybody bring their ideas to the forefront." 6770

A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A few weeks after announcing a big deal with Converse shoes, WNBA star Natasha Cloud said she would be opting out of this season to “fight on the front lines for social reform”. Converse is saying they support Cloud, she is still part of their “team”, and they will pay her salary.Several athletes are deciding to hit pause on sports in the midst of the racial unrest in the country. Cloud’s Washington Mystics teammate LaToya Sanders also opted out of the 2020 WNBA season, saying it “is what’s best for my health and family.”In stepping away, Cloud and other athletes forfeit their salaries from the league. Converse said in a statement they respect Cloud’s decision. “These systemic racial justice issues are bigger than basketball.” 744

A family who triggered a device at a gender reveal party that allegedly started a wildfire over the weekend in California could be held financially liable for the fire fight.The El Dorado Fire was started Saturday morning in San Bernardino County in Southern California, it has burned more than 10,000 acres and is 16 percent contained as of Tuesday morning.CAL FIRE says the fire was started when a smoke-generating pyrotechnic device was launched at a gender reveal party in a park. The press release from CAL FIRE reads, “Those responsible for starting fires due to negligence or illegal activity can be held financially and criminally responsible.”A spokesman for California’s Department of Forestry and Fire Protection, also known as CAL FIRE, told The Daily Mail the family whose device started the El Dorado Fire could be liable for the entire bill for the destruction.The couple was reportedly still at the park where the fire started when firefighters arrived.“We know how it started because they were still there,” Bennet Milloy with CAL FIRE told The Daily Mail. “That, and the fact that there were surveillance cameras in the park.”Milloy says they could face a variety of criminal charges, which could increase if homes and buildings are destroyed. In addition to the cost of putting the fire out, which could get into the millions of dollars.This is not the first time a gender reveal party has started a wildfire.In 2017, a couple’s party in Arizona sparked a fire that burned around 47,000 acres south of Tucson. The father, Dennis Dickey, who was then an off-duty US Border Patrol agent, was given probation and asked to pay for damages, roughly million.Dickey’s “reveal” was shooting a target with a high-powered rifle, resulting in an explosion of blue powder.In April of this year, a gender reveal party led to ten acres burning in Florida. 1871

A Detroit police officer who was recorded punching a naked woman at a Detroit hospital has been suspended with pay pending an investigation.According to Detroit Police Chief James Craig, the Wayne County Prosecutor's Office has also started a criminal investigation into the officer's use of force.The incident started with a call around 6:45 p.m. local time on Wednesday. When officers arrived, they saw a naked woman on the street. Officers put her in a police car and took her to Detroit Receiving Hospital. According to Craig, the woman was not agitated during the entire ride to the hospital, and officers were able to cover her up. Craig said the officers did not handcuff her.Once at the hospital, the woman threatened hospital staff and security staff, spit on several employees, bit a security officer twice and tried to bite another police officer.Craig says an officer struck the woman several times, ignoring the Detroit Police Department's de-escalation tactics."The suspect had her back turned but the officer continued to punch," Craig said. "We have grave concerns for the officer's action."The department is investigating the incident, on top of the prosecutor's office, and they are in the process of downloading body camera videos. According to Craig, the officer is an 18-year veteran of the force, is a corporal, and has a good record. He hasn't had a complaint since 2015 and not does not have a "category one use of force incident"— when a use of force incident results in injury.The woman was treated for minor injuries at the hospital and had some minor contusions but is in stable condition.Officers have interviewed several hospital staff, but are in the process of trying to locate the person who took the video showing the use of force.According to Craig, the officer did undergo their mental health and emotional survival training twice in 2016 and once in 2015. He said the department has "above average" training when it comes to people who have a mental illness. 2018