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The Trump administration plans to eliminate routine audits of lenders for violations of the Military Lending Act, according to internal agency documents, The New York Times reported on Friday.Mick Mulvaney, the interim director of the Consumer Financial Protection Bureau, plans to terminate the supervisory examinations of lenders, arguing proactive oversight is not laid out in the legislation, according to the report.The proposal to weaken oversight under the Military Lending Act, which was created to protect military service members and their families from financial fraud, predatory loans and credit card gouging, came as a surprise to advocates of military families, the report stated. Those advocates have pressed the government to put a stop to unethical lenders.The agency has been critical in fighting lender misconduct, rolling out mortgage and payday-lender rules and cracking down on bad behavior by penalizing Citigroup, Wells Fargo and many other lenders.In lieu of conducting examinations, the agency will rely on complaints from its websites, hotlines, the military and people who believe they are victims of fraud, the Times reported.President Donald Trump has tapped Kathleen Kraninger to succeed Mulvaney as chief of the consumer watchdog agency. Kraninger, who works under Mulvaney, is expected to face a tough Senate confirmation battle.Under Mulvaney, the bureau has undergone major changes opposed by both Democrats and consumer advocates. In June, Mulvaney effectively terminated a board of advocates who advised the agency about fair lending and underserved communities. The advisers were told on a conference call that the board would not meet until new members were appointed. The CFPB, however, insisted nobody had been fired.The government watchdog agency, which is charged with consumer protection in the financial sector, was created after the financial crisis with the passage of the 2010 Dodd-Frank Act. 1948

The Slater fire roared through Happy Camp, California on Sept. 8, and more than a month later, families still can’t get back into their neighborhoods.U.S. Forest Service Officer Jason Rasmussen was working to evacuate families in his community, as his own home was engulfed in flames.He said the fire was like nothing he’s seen in his quiet home town before. “Sounded like some sort of freight train. It was just total chaos. People were scared,” recalled Rasmussen.Winds fueled the flames, leveling 100,000 acres within hours. Two people were killed and nearly 200 homes were lost.“I knew my home was probably going to burn,” said Rasmussen. “I could only hope that it would survive.”Daybreak cemented gut-wrenching worry into reality. This fire left nothing behind for this family and so many others.“It’s heartbreaking seeing my house and my friend’s houses burned to the ground,” said Rasmussen's son, Chaance, who is a firefighter. “The only thing that’s left is memories.”Memories of a home, of a family legacy, built in this town for generations—now reduced to dust.“It’s emotional. I don’t even like to go back there,” said Jason Rasmussen of returning to what was once his home. “The stuff that was special to me was not valuable even. It was stuff that my grandfather had given me. Things that were sentimental for that reason, because it was connected to my family history."This loss is made even harder for the Rasmussens, because they never thought they’d be the ones needing help.“While you’re talking to people you’re evacuating, you’re going through the same thing,” said Jason Rasmussen. “When I knew I was actually homeless, that was the worst feeling.”After a month of moving from place to place, having nowhere to really call home, a surprise came that left these first responders speechless.Volunteers from EmergencyRV.org drove this donated RV from Oregon to Northern California. A woman donated her RV to the organization, and EmergencyRV.org matches up families in need. First responders go to the top of the list.Between being on the frontlines through the pandemic and this natural disaster, this group wanted to give these men a break.“It doesn’t make sense that a firefighter loses his home and is sleeping in a tent or has nowhere to go, sleeping in the station,” said EmergencyRV.org founder Woody Faircloth. “We want to give them a place to call home until they get back on their feet.”“I wasn’t expecting something like this,” said Chaance Rasmussen of the donated RV. “I thought, maybe something I could tow, but then I remembered I didn’t have a truck anymore, so it’s nice to have this.”The RV is giving the young firefighter much more than a place to sleep.“It kind of restores my faith in humanity,” said Chaance Rasmussen. “You see all the bad stuff on the media, people are rioting and all that stuff is happening, and knowing that people are out there doing stuff like this, it’s real heartwarming.”To the volunteers, it’s a thank you for the danger these frontline workers face head-on every day.“These firefighters and frontline heroes…they are heroes,” said Faircloth. “They’re out there every day doing this job, and they don’t make a lot of money, but they’re risking their lives for the rest of us.”A risk this father and son are proud to take on, even as they take on the much tougher challenge of restoring this land into a place they can call home. 3405

The showdown over mail-in ballots is expected to heat up this week.Democrats are calling back Congress to vote on legislation to prevent the U.S. Postal Service from changing any of its operations. A House committee also called an emergency hearing for next week to address mail delays and concerns the White House is interfering.The USPS is removing hundreds of mail processing machines across the country and has warned 46 states that it may not be able to process all mail-in ballots in time to be counted for the election.“Are we going to force people to have to choose between their fundamental right to vote and their health?” asked Shaundra Scott with the South Carolina Democratic Party. “The American voters are going to be very frustrated that we may not know who the winner is until frankly December.”Political experts agree the presidential race, pandemic and mail-in voting will all lead to massive increases in voter turnout and probably a lot of contested results.Some states have streamlined mail-in and absentee voting for years. However, other states are rushing to change their voting process because of the pandemic.“When things like that happen, it doesn't inspire confidence. It leads to the fear that people who shouldn't be voting may potentially be voting or people that should vote are not going to get ballots because of a snafu,” said Matt Klink, a GOP strategist with Klink Campaigns.For example, New York changed the rules to make it easier to vote by mail ahead of the primary, and it provided pre-paid envelopes. But those envelopes were not postmarked, or they were returned late. And there were other issues like ballots that weren't signed. That led to one out of four mail-in ballots being disqualified.But voting by mail could close the gap on inequities.“Yes, there are rules and regulations that say your employer should give you two hours to be able to vote but if you’re working hourly and you’re working on a job that is shift based, even though voting is extremely important, taking away that two hours of pay from someone and them having to make that decision is huge,” said Scott.Some expert say Republicans fear mail-in ballots would capture new Democratic voters, but seniors also benefit from absentee and mail-in voting. They often skew red, according to the Brookings Institute.A major study of California, Utah, and Washington state's elections between 1996 and 2018 found there was no partisan advantage to voting by mail. 2482

The Russian embassy in Washington asked its Twitter followers to vote for which US consulate they'd like to see shuttered Monday, after the Trump administration announced it would close down the Russian consulate in Seattle and expel 60 alleged spies throughout the country.In the poll, they offer the three US consulate locations in Russia as options: St. Petersburg, Vladivostok and Yekaterinburg.The US decided to shut down the Seattle consulate because of its proximity to a submarine base, senior administration officials said Monday, and expel the diplomats for "aggressive" intelligence collection. The move is part of an international effort to punish Russia's government for the alleged poisoning of a former Russian spy and his daughter in Great Britain. 772

The strain of E. coli causing the current outbreak in romaine lettuce has been found in a reservoir on a farm in Santa Barbara County, California, the US Food and Drug Administration and Centers for Disease Control and Prevention announced Thursday.The agencies are continuing to investigate other possible sources, and the CDC still advises consumers not to eat romaine lettuce grown in California's Monterey, San Benito and Santa Barbara counties until investigations are complete."We cannot say how many cases are linked to this specific farm at this time," Ian Williams, chief of the CDC's outbreak response and prevention branch, said at a press briefing. "We have to do additional work at this farm and other farms that are being identified from our investigation."Properly labeled romaine grown outside those three counties and harvested after November 23, as well as romaine grown in greenhouses or hydroponically, should all be safe from contamination, the CDC said. The earlier warning against eating romaine from California's San Luis Obispo, Santa Cruz and Ventura counties has been lifted.The agency stressed that consumers should continue to avoid any romaine lettuce not labeled with the harvest date and location.The CDC has identified another seven illnesses since its update December 6, bringing the total people infected with E. coli to 59 across 15 states and Washington, D.C. The last reported illness was November 16. There have been 23 hospitalizations and two cases of hemolytic uremic syndrome, a type of kidney failure. No deaths have been reported.While calling it "premature" to call the outbreak over, Williams said it was a good sign that the most recently identified cases were in the same time period as the main outbreak."We're hopeful that it's moving in the right direction," Williams said. "It's still too early to tell."The first cases in this outbreak were identified in October. States with cases include California, Connecticut, Florida, Illinois, Louisiana, Massachusetts, Maryland, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island and Wisconsin. 2141

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