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The number of people unable to make house payments on time has reached a nine-year high, according to a recent analysis of the data.Mortgage delinquencies were at 8.22 percent of all loans for the second quarter of 2020, says the Mortgage Bankers Association.At the end of June, an estimated 4.2 million Americans were on a forbearance plan, meaning they have an agreement with their mortgage lender to delay foreclosure."The COVID-19 pandemic's effects on some homeowners' ability to make their mortgage payments could not be more apparent. The nearly 4 percentage point jump in the delinquency rate was the biggest quarterly rise in the history of MBA's survey," said Marina Walsh, MBA's Vice President of Industry Analysis in a press release. "The second quarter results also mark the highest overall delinquency rate in nine years, and a survey-high delinquency rate for FHA loans."FHA, or Federal Housing Administration, loans are designed for low-to-moderate income borrowers and require a smaller down payment when purchasing a home. The survey found 15.65 percent of FHA loans were delinquent in the second quarter of 2020. That’s the highest rate since the Mortgage Bankers Association began keeping records in 1979.The survey asks loan servicers to report any loan that is not paid back according to the terms in the agreement.The high rate of mortgage delinquencies appear to be connected with availability of jobs. The five states with the largest increases in delinquency rate were New Jersey, Nevada, New York, Florida and Hawaii; all states with a high number of leisure and hospitality jobs that are now in flux because of the COVID-19 pandemic. 1669

The House Committee on Labor and Education is holding a hearing on the topic of reopening schools amid the coronavirus pandemic on Thursday — about a week after Democrats on the committee said the White House blocked health officials from testifying during the hearing.Last Friday, CNN and Politico reported that Democrats' request to have CDC Director Dr. Robert Redfield testify at the hearing was denied by the White House."Dr. Redfield has testified on the Hill at least four times over the last three months. We need our doctors focused on the pandemic response," an email from the White House to committee members read, according to CNN.Democrats claim that their request was for any high-ranking CDC official, not just Redfield.No Trump administration officials are testifying at Thursday's hearing. That includes Education Sec. Betsy DeVos, and members of the Coronavirus Task Force like Drs. Anthony Fauci and Deborah Birx.According to the Committee's website, witnesses include Michael Hinojosa, the Superintendent of the Dallas Independent School District; Leslie Boggs, the president of the National Parent Teacher Association; Dr. Penny Schwinn, the Commissioner of the Tennessee Department of Education and Dr. Sean O'Leary, the Vice Chair of the Committee on Infectious Diseases at the American Academy of Pediatrics. 1340

The impact of the pandemic appears to have reached the North Pole. For this holiday season, Santa may be stuck behind Plexiglas. Malls across the country are planning pandemic-minded visits to help prevent the spread of the coronavirus.Mall Santa Steve Miller has been putting on the red suit full-time for four years.“I prefer to do the mall, because I do it for the kids,” sad Miller.But this year, there won’t be any hugs or sitting on Santa’s knee.“Because of the virus, it's going to take a little of fun out of it, but it's going to be much more safe, which is the number one thing that we want,” said Miller.Appearances by St. Nick at malls, corporate events and private appearances is a holiday tradition that’s already being impacted by the pandemic.“We've been working with a lot of retailers as well as malls too. How can we still have the experience of Santa, but keep everybody safe?” said Mitch Allen, founder of HireSanta.com.According to entertainment staffing firm Hire Santa, bookings that usually peak beginning in early November were down 95% due to coronavirus concerns. But after advertising their safety efforts, demand is up 20% compared to this time last year.“The Santa Claus entertainers, as you can imagine, they're a high-risk group. So, we want to make sure that Santa's safety is our number one priority,” said Allen.Allen says they’ve developed a Plexiglas "Santa shield" that creates a physical barrier to allow for photos with Santa.“We at HireSanta.com are also working on virtual Santa visits where you can literally visit with Santa within the confines of your own home,” said Allen.Brookfield Properties, the second largest operator of U.S. malls, says it will host Santa in 134 of its 150 plus malls with "touchless experiences."Santa’s Village, a popular Illinois amusement park temporarily shut down by the pandemic, is taking Santa on the road.“For over 60 years, boys and girls have come to the house here in the park to visit me. But now we're going to take my house to your house,” said the amusement park’s Santa Claus.Their mobile Santa home has a separate entrance and exit to maintain social distancing, and a working fireplace will keep visitors warm and plenty of masks and "Santa-tizer" will be on hand as well.“It's great, because we can actually bring again that magic from the park to people's individual homes in local communities,” said Santa’s Village marketing director Brian Wright. “That way people can actually have a personalized visit with Santa.”Whether behind Plexiglas or inside a traveling "One North Pole," changes are afoot to ensure that Santa Claus is still coming to town. 2653

The New York State Department of Taxation and Finance has issued a subpoena to Michael Cohen as part of its ongoing probe into whether the Trump Foundation violated New York tax laws, a department spokesman confirmed to CNN.This probe is separate from the New York attorney general's lawsuit against the Trump Foundation. The Tax Department is not able to bring any criminal charges, and if it finds any wrongdoing, the department would have to refer it to the New York attorney general's office or another prosecutor's office."A subpoena has been issued to Michael Cohen for relevant information in light of the public disclosures made yesterday," said Tax Department spokesperson John Gazzale in a statement. "We will be working with the New York Attorney General and the Manhattan district attorney as appropriate. We can't comment further on this investigation." 874

The NCAA announced on Thursday that college football bowl games can commence this season on December 1.In the past, teams needed to have a 6-6 (.500) record at a minimum in order to qualify for a bowl game. But with most teams playing a truncated schedule, the NCAA is lifting its minimum requirement to qualify for bowl games.The news comes as the Pac-12 announced that it will begin play Nov. 6. The announcement means all five of the so-called “power 5” conferences will attempt to play a college football season amid the coronavirus pandemic.The Big 10 and Pac-12 originally decided to postpone starting the season. Advances in rapid testing and public pressure caused the leagues to change their decisions.“Providing a more flexible framework for the postseason in this unprecedented time will provide some certainty moving forward,” said Shane Lyons, director of athletics at West Virginia and chair of the oversight committee. “These are important postseason opportunities for our student-athletes, and this will help everyone to prepare.” 1054