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President Donald Trump's immigration agenda was dealt another blow by federal courts Friday, when a federal judge largely blocked the Justice Department's efforts to punish sanctuary cities for a second time this year.US District Court Judge Harry D. Leinenweber agreed with the city of Chicago that the administration's new requirements for receiving a key law enforcement grant that hinged on immigration enforcement could cause "irreparable harm," adding that the city had shown a "likelihood of success" in its case that Attorney General Jeff Sessions exceeded his authority in requiring local jurisdictions to comply with the new standards.Leinenweber blocked the Justice Department from enforcing the new measures, which it introduced earlier this summer, meaning cities applying for the funds this year will not have to comply."The harm to the city's relationship with the immigrant community, if it should accede to the conditions, is irreparable," Leinenweber wrote. "Once such trust is lost, it cannot be repaired through an award of money damages."Friday's decision marked the second time this year a federal judge has blocked the Trump administration's efforts to force sanctuary cities to cooperate on immigration enforcement. A judge in San Francisco restricted a January executive order from Trump that threatened to block all federal funds to sanctuary cities -- a catchall term generally used to describe jurisdictions that have some policy of noncooperation with federal immigration enforcement.The administration has made such jurisdictions a key focus of its immigration agenda -- arguing that such policies are a public safety threat."By protecting criminals from immigration enforcement, cities and states with 'so-called' sanctuary policies make their communities less safe and undermine the rule of law," Justice Department spokesperson Devin O'Malley said. "The Department of Justice will continue to fully enforce existing law and to defend lawful and reasonable grant conditions that seek to protect communities and law enforcement."In a tweet, Chicago Mayor Rahm Emanuel heralded the judge's ruling as a victory."This is not just a victory for Chicago. This is a win for cities across the US that supported our lawsuit vs Trump DOJ defending our values," Emanuel tweeted.At issue in the case was a new salvo the administration opened against sanctuary cities in July, when Sessions announced that going forward, funds under the Edward Byrne Memorial Justice Assistance Grant Program, or Byrne JAG, would be conditioned upon two new requirements: allowing federal immigration authorities access to local detention facilities and providing the Department of Homeland Security at least 48 hours' advance notice before local officials release an undocumented immigrant wanted by federal authorities.Those are some of the most controversial requests by the federal government regarding local law enforcement. A number of cities and police chiefs around the country argue that cooperating with such requests could jeopardize the trust police need to have with local communities, and in some cases could place departments in legal gray areas. The Trump administration, on the other hand, has accused sanctuary cities of putting politics over public safety.Leinenweber temporarily blocked both requirements on a nationwide basis Friday, explaining that the federal government does not have the authority to place new immigration-related conditions on the grants, as Congress did not grant that authority in setting up the program.Emanuel sued Sessions over the new requirements in August, saying they would "federalize local jails and police stations, mandate warrantless detentions in order to investigate for federal civil infractions, sow fear in local immigrant communities, and ultimately make the people of Chicago less safe."The conditions in July came after a federal judge in April restricted a January executive order that sought to block federal funds going to sanctuary cities to the JAG grants exclusively and existing requirements on them. After the administration failed in its attempt to get that injunction lifted, Sessions announced the new measures.The Justice Department did get one win, however. Leinenweber did side with the Trump administration on preserving an existing requirement for the grants -- certifying compliance with a federal law that mandates local jurisdictions communicate immigration status information to the federal government -- which was put in place originally by the Obama administration.Virtually all jurisdictions in the US say they are already in compliance with that measure.The-CNN-Wire 4664

Prince Harry opened the fourth annual Invictus Games in style on Friday afternoon, climbing Australia's iconic Sydney Harbour Bridge along with a number of veterans and competitors from the upcoming event.Dressed in a black shirt with the logo of the sporting event he helped to kick-start in 2014, the British royal ascended the 13-meter (439 foot) high landmark in beautifully sunny weather, accompanied by Australia's Prime Minister Scott Morrison.It will be the fourth time the annual games have been held. The Invictus Games are a multi-sport event specifically held for wounded or disabled veterans to participate in. 631

Property manager Brandon Scholten is seeing big price drops in some of his listings since COVID-19 hit.“We’re at ,040 but we started at above ,300,” Scholten said about a two-bed, two-bath townhouse in downtown Denver.Scholten, the owner of Keyrenter Property Management Denver, says some of his downtown rental properties are staying on the market 20% longer and that prices have dropped nearly 20% compared to the same time last year. And he believes the plummet is linked to the pandemic.“Especially with so many remote work options now,” Scholten said. “I think all of it is just going to push that pressure outward and you’ll see prices fall in the urban corridor.”What’s Scholten is seeing in downtown Denver is happening to other major metropolitan areas across the country.“The pandemic has shifted the demand for rentals away from these really expensive areas,” said Crystal Chen, a marketing manager with Zumper an apartment rental tracker.Zumper’s recent national rent report found one-bedroom rent prices in San Francisco fell nearly 12% year-over-year, the largest drop that city’s ever seen.Other major cities that saw decline in rent prices are New York, Boston and San Jose. Cities that reported some of the largest rent increases include Lexington, Akron and Anchorage.“It makes sense,” Chen said of the prices changes for rent. “Why would people want to pay a big city price tag if they can’t use the amenities and they’re stuck at home?”With more companies embracing working from home and more people looking to social distance, Chen says more renters are now leaving expensive big cities for cheaper surrounding areas.“Which we like to call the 'Brooklyn effect' since the important factors now are space and affordability,” she said.Space and affordability: two things New York City is not known for.“I’ll be honest, a lot of people are leaving,” said Lauren Feldesman, a real estate agent with Compass. “The number of lease break calls I get a week is astronomical.”Feldesman says she is seeing a huge surplus of downtown apartment rental inventory since coronavirus concerns swept the country.“It’s a tough situation,” she said. "People lost their jobs, they’re furloughed or they have their own businesses and their business is really shut down or has taken a huge hit.”While vacancy rates are going up in major metropolitan cities across the country, some downtown renters are seeing some financial relief.“People are now negotiating down 10, 15, even up to 20% of their rent because there is so many more vacancies now as than there was before,” Chen said.Without a vaccine, however, Chen predicts rental prices in downtown areas will continue this downward trend as the rental demand shifts from cities to the suburbs. 2757

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

President Donald Trump visited Kenosha, Wisconsin on Tuesday which was the site of both peaceful protests and riots last week following the police shooting of Jacob Blake.The protests have mostly been peaceful in the city in the last few days. However, some politicians fear that Trump's visit could stoke embers of emotion and spark more violence in the nights to come.Trump's visit took place against the wishes of both Wisconsin Gov. Tony Evers and Kenosha Mayor Kenosha Mayor John Antaramian — both Democrats — who say that emotions in the city are still too raw."We want everything to calm down," Antaramian said in a press conference on Monday. "We want to give people an opportunity to talk before the president comes into town."There did not appear to be any violence or unrest upon Trump's arrival. Dozens of his supporters lined streets in Kenosha to see his motorcade, and Blake's family held a community gathering near the site of the shooting.During his visit, Trump praised law enforcement at a security roundtable for keeping peace in the city in recent days, and urged lawmakers in other states to lean on federal support in times of unrest. He also visited with business owners whose properties were damaged or destroyed in riots.Trump said Tuesday that he did not plan to meet with Blake or his family during his visit, saying it would be best if relations with the family were handled "locally." He did say he planned to have a conversation with the family's pastor. The President said Monday that he spoke with the family's pastor in the hopes of setting up a call with Blake and his family, but said the pastor requested a lawyer be on the line during the call, which he thought was "inappropriate." 1729