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SACRAMENTO, Calif. (AP) — The California Assembly voted Thursday to cap the interest lenders may charge on loans that can carry rates spiraling into the triple digits.Backed by civil rights groups, religious organizations and some trade associations, the proposed law would cap annual rates at around 38% for loans between ,500 and ,000.The bill comes as legislators across the country seek to reign in a storefront lending industry critics accuse of preying on low-income consumers in need of cash and trapping them under mounds of debt for years.But even as the bill advanced, some California lawmakers expressed concern that it will limit choices for consumers with bad credit or little access to banks and other financial products. And the lending industry, which wields significant influence in legislatures as well as in Washington, has launched an advertising campaign in California attacking the bill as it heads to the state Senate, where observers expect a tougher fight.Proponents of capping interest rates point to an explosion in high-interest consumer loans around the state over the last decade.The state already caps interest rates on consumer loans under ,500 but not for amounts over that threshold. In 2009, 8,468 loans for amounts between ,500 and ,000 came with interest rates over 100%, according to data from state regulators. Lenders now issue more than 350,000 loans each year with interest rates in the triple digits. A legislative analysis said at least one out of three borrowers is unable to pay their loans.But proposals to cap interest rates in recent years have faltered at California's Legislature. Several lawmakers still expressed concern about the latest proposal, suggesting it could drive lenders out of the market, pushing consumers with low incomes toward unregulated lenders or cutting off their easy access to capital."Without these alternative financial service providers, those folks would have nowhere else to go," said Democratic Assemblywoman Sydney Kamlager-Dove of Los Angeles.Assembly Speaker Anthony Rendon dismissed arguments the bill would ultimately harm low-income residents."Those are merely talking points of an industry that has repeatedly lied to members of this chamber," he said.Casting the bill as a moral issue, the Democrat said the legislation can be considered as important as any other lawmakers will vote on this year in the country's most populous state.The bill ended up passing with bipartisan support as one Republican legislator cited religious prohibitions on usury."I'm a free-market capitalist and I'm unashamed of it but we need to stand up and protect people who are being preyed upon," said Assemblyman Jordan Cunningham of San Luis Obispo.The support of the financial industry this year, too, may also signal that the sector foresees a reckoning in the state or at least further political uncertainty if lawmakers do not approve limits for loans between ,500 and ,000.The California Supreme Court cast a legal question mark last year over the lending industry's practices, deciding in one class action lawsuit that some interest rates can be so high as to be deemed unconscionable under financial laws.Democratic Assemblywoman Monique Limon of Santa Barbara, the bill's author, also suggested that an interest rate cap could end up on the ballot if the Legislature does not act.If passed, California would join 38 states and the District of Columbia in capping interest rates for these types of loans, according to a legislative analysis. The level proposed in California would be on the higher end.Observers expect a bigger political fight when the bill heads to the state Senate, however.Opponents of the bill have launched an advertising campaign aimed at stopping it.The trade group Online Lenders Alliance has bought ads on Sacramento television stations, according to Federal Communication Commission filings.A group calling itself Don't Lock Me Out California has also bought online ads attacking the bill. 4018

SACRAMENTO, Calif. — Vice President-elect Kamala Harris has named veteran Democratic strategist Tina Flournoy as her chief of staff. Flournoy’s appointment as Harris’ top staffer adds to a team of advisers led by Black women. Flournoy has served as chief of staff for former President Bill Clinton since 2013. That follows a career that took her to top posts at the Democratic National Committee, in the presidential campaigns of former Vice President Al Gore and former Secretary of State Hillary Clinton and with the American Federation of Teachers. Former colleagues describe Flournoy as a no-nonsense operative who has both policy and political chops. 663

SACRAMENTO, Calif. (AP) — California will begin allowing the reopening of schools, day camps, bars, gyms and some professional sports with modifications at the end of next week. Mark Ghaly, the state's top health official, says the state plans to release guidance on Friday for counties to follow to reopen a broad range of businesses that have been closed since mid-March to slow the spread of the coronavirus. The guidelines were not immediately available. RELATED:San Diego to reopen several shoreline parks, piers, boardwalksSan Diego Supervisors request state allow gyms, pools, theme parks to reopenThe rules on schools and day camps will apply state wide. But only counties that have met certain thresholds on cases, testing and preparedness will be allowed to follow the guidance on other sectors.The state's county-by-county variance is available online here.San Diego's Board of Supervisors voted this month to send a letter to Gov. Gavin Newsom requesting they be allowed to reopen the local economy.The board voted 4-1, with Supervisor Nathan Fletcher voting "no," to reopen gyms, hotels, nail salons, wineries and breweries, churches at full capacity, theme parks, youth sports, charter and fishing boats, community pools, and museums, Supervisor Jim Desmond tweeted.This week, the City of San Diego announced it would begin reopening several popular beach-area parks, piers, and boardwalks this month. The county also started to allow sitting and relaxing on beaches in addition to passive activities already allowed.As of Friday morning, San Diego County had reported 7,940 coronavirus cases and 288 deaths. About 1,380 people have been hospitalized and 395 people were in intesive care with the virus. 1725

SACRAMENTO, Calif (KGTV) -- Governor Gavin Newsom’s office recently put out a message telling Californians to wear their masks “between bites” at restaurants.“Going out to eat with members of your household this weekend,” a tweet from the Governor’s office asked.“Don't forget to keep your mask on in between bites. Do your part to keep those around you healthy,” the tweet continued.Going out to eat with members of your household this weekend? Don't forget to keep your mask on in between bites.Do your part to keep those around you healthy. #SlowtheSpreadhttps://t.co/snYe5v55Rw pic.twitter.com/Y4fcDO5Zke— Office of the Governor of California (@CAgovernor) October 3, 2020 People who saw the tweet quickly reacted.“Should we wash our hands after touching our mask each time we remove it between bites? What if I'm eating chips and salsa and I go for a double dip? Is that technically two bites since it's the same chip,” one Twitter user asked.“Put mask back on between bites? Is that a typo,” another asked.The state currently requires that people wear face coverings when in public spaces, indoors, and areas where physical distancing is not possible. 1165

SACRAMENTO, Calif. (AP) — The U.S. government says California must change how it issues identification cards that comply with stricter federal requirements.The so-called Real ID cards will be needed to board airplanes or enter federal buildings by October 2020 under security enhancements following 9/11. California already has issued 2.3 million cards.Department of Motor Vehicles spokesman Marty Greenstein said Friday that those IDs will remain valid and changes will apply going forward.The DMV had required one document proving residency and counted on delivery by the post office as secondary proof of someone's address.Emails show the Department of Homeland Security approved that process last year. But it told the DMV in November that was no longer acceptable and two documents proving residency are required.The change will be implemented next spring. 869

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