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MEXICO CITY (AP) — Mexico's foreign affairs ministry has formally asked the United States government to conduct a thorough investigation into a Jan. 1 incident in which U.S. agents fired tear gas into Mexico to stop crossing migrants.In a statement Thursday, the ministry said through its embassy that it lamented any violent acts along its border. It reiterated its commitment to the safety of migrants.In the first hours of the new year, about 150 migrants attempted to breach the border fence in Tijuana. U.S. Customs and Border Protection said that agents fired gas at migrants throwing rocks. It said it was investigating.RELATED: Roughly 150 migrants attempt to climb border fence, throw rocks at Border Patrol agentsBut an Associated Press photographer at the scene only saw rocks thrown after agents fired gas as migrants scaled the fence.The confrontation was at least the second time in a little over a month that U.S. authorities have fired tear gas into Tijuana. The action drew sharp criticism from politicians and activists on both sides of the border and raised questions about the use of force against migrants. 1135

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

Mike Pompeo, the Trump administration's nominee to lead the State Department, made his case for confirmation on Thursday, stressing his service in the military and at the CIA to skeptical lawmakers, and emphasizing the unique place the US holds in the world."America is uniquely blessed, and with those blessings comes a duty to lead," Pompeo said. "As I have argued throughout my time in public service, if we do not lead the calls for democracy, prosperity, and human rights around the world, who will? No other nation is equipped with the same blend of power and principle."The CIA Director, now seeking to become the 70th US secretary of state, is facing an uphill battle at his confirmation hearing before the Senate Foreign Relations Committee, where one Republican and some Democrats are expected to oppose him. Even if Republican leaders take special measures to move his nomination to the broader Senate, the former House lawmaker still faces a tight vote.Pompeo clearly had those concerns and the voting math in mind as he began what was expected to be a day-long appearance before the committee. But his appearance took a quick turn from foreign policy issues to the domestic, when Sen. Robert Menendez, the leading Democrat on the committee, took the opportunity to press Pompeo on President Donald Trump and the special counsel investigation into links between Russia and the Trump campaign.Menendez asked if Trump had ever asked him to "interfere" in the probe by special counsel Robert Mueller.Pompeo said he had been interviewed by Mueller, and is cooperating with special counsel.Pompeo refused to discuss his conversations with the President, but said that Trump has "never asked me to do anything I consider improper." When Menendez pressed Pompeo several times about conversations he has had with Mueller, Pompeo said, "I think it is most appropriate that while the investigations continue, I not speak to the conversations I've had with the various investigative bodies."He added that "there should be no negative inferences or for that matter positive inferences ... that while these investigations continue I not speak to" any of the conversations he had with Trump.He declined to say if the President asked him to do anything about the Comey probe and could not "recall" the nature of a March 2017 conversation where Trump reportedly asked Pompeo to get Comey to pull back.Excerpts of Pompeo's opening remarks made clear that he will promise to push a hard line on Russia, avoid past mistakes with North Korea, raise the costs for Iran's "dangerous behavior," and rebuild the State Department.  2631

MARTINEZ, Calif. – Until recently, not many people had heard about Martinez, a small town east of San Francisco. That is, until a Black Lives Matter mural was vandalized.“We’re really just fighting for our black community members here in Martinez and across the country, to be able to exist in America and globally, without fear,” said Justin Gomez, a community organizer in the California town. “We weren’t surprised that it got vandalized, we were more so just shocked at how brazen it was.”Gomez just wanted to let black community members in Martinez know they mattered when he got a permit to paint a Black Lives Matter mural“I hadn’t even taken off my paint clothes,” said Tati Rae, who helped paint the mural.It was only up for a couple of hours before two people were accused of trying to vandalize it.“This is just kind of a microcosm of everything that’s happening in this country around racism and white supremacy and we got to see that play out right here in our own community,” said Gomez.Nichole Anderson and David Nelson were arrested, accused of painting over the mural. They were charged with multiple misdemeanor counts, including a hate crime charge.“When people are outraged by Black Lives Matter. That’s because they choose not to challenge themselves to understand what it means for Black Lives Matter,” said Kimya Nuru Dennis.Nuru Dennis runs 365 Diversity which teaches antiracism to school districts, corporations, hospitals and more. She believes some white people become emotional when people say Black lives matter because, “This country is founded on white dominance, and anything that challenges white dominance is silenced, threatened, even murdered.”One business had its windows boarded it up and anti-BLM messages painted on the plywood. We asked the business owner about it.“Well number one, if you know the history of this Black Lives Matter thing, it’s basically a socialist move and I really don’t care for socialism,” said Charles Martin, a business owner in Martinez.“It’s brought nothing but trouble to the town, it’s brought nothing but trouble to the United States. People have gotten killed after they put this up. So, when Floyd was buried, that’s where it should have ended,” he said.Others we talked to say racism in Martinez is real and that’s why they painted the mural.“What is political about saying Black people shouldn’t be killed for no reason?” asked Rae.“Our predominantly white population doesn’t feel like it’s an issue, but that’s because they haven’t experienced this town in the way that community members of color have," said Gomez.Recently, a Black Lives Matter mural in New York City was vandalized as well. This is nothing new for Kimya.“I want Americans to stop acting shocked by this stuff. I’m not surprised when white people think it’s a good idea to vandalize Black Lives Matter symbols. It’s a representation of what this country is founded on,” said Nuru Dennis.But for Gomez, it’s an opportunity.“I think right now this is an opportunity for our town to be a model for predominantly white, smaller communities across the country, to show we don’t get a pass just because we have a less than 4% black population. Just because we’re predominantly white and we haven’t seen these issues and the way that they play out in big cities, we all need to come together, and we need to be a part of this system of change.” 3390

Melania Trump announced Monday afternoon that she will go to Africa in October for her first major solo trip since becoming first lady."This will be my first time traveling to Africa and I am excited to educate myself on the issues facing children throughout the continent, while also learning about its rich culture and history," the first lady said in a statement. "We are a global society and I believe it is through open dialogue and the exchanging of ideas that we have a real opportunity to learn from one another."The Associated Press was first to report her travel plans.In January, CNN reported that President Donald Trump, at a closed-door meeting at the White House, bemoaned the influx of immigrants from what he deemed "s---hole countries" in Africa, according to sources. 793