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So much has changed from just one week before the COVID-19 pandemic and lockdown hit New York City.Though a lot has changed, the NYPD’s “Options” program still persists.“Options” bridges relationships between police and some of the city’s toughest neighborhoods.With a rise in shootings and violence, it is needed now more than ever.Just a few weeks before a worldwide pandemic and months before nationwide unrest over racial injustice and police brutality, there was NYC youth engaging in candid conversations with members of the NYPD.The program has been two years running and bridges the gap between the police and the city’s dynamic youth.“This is the new era of neighborhood policing, and we see that NYC has to open up a lot more and really start listening to the youth of tomorrow,” Det. Jason Anazagasty said.A virtual reality program was also created, scripted and voiced by “Options” teens.It includes real-life scenarios that play out through a virtual reality headset.Their choices on how to handle cyberbullying, violence on the streets and so much are on full display — as are the consequences of those choices.Det. Anazagasty helped create the program with the help of the Police Foundation and community schools and leaders.He said “Options” is breaking barriers, and most importantly it is working.While the ongoing pandemic has paused some planned expansions of the “Options” program to other parts of the country, Anazagasty said it will not stop in NYC and he hopes it will only grow.This story was first reported by Narmeen Choudhury at WPIX in New York City, New York. 1598

Senate Majority Leader Mitch McConnell was confronted at a restaurant in Kentucky on Friday, according to CNN affiliate WLKY.According to WLKY, McConnell, a Republican representing Kentucky, was dining at Havana Rumba in Louisville, Kentucky, with his wife, Transportation Secretary Elaine Chao, when a group of men approached the couple."Why don't you get out of here? Why don't you leave the entire country?" one of the men yelled at McConnell, WLKY reported. 469

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

SPRING VALLEY, Calif. (KGTV) — The son of a Spring Valley couple killed in an accident in Hawaii is honoring them by creating a space for others to find peace.“This isn’t going to get easier, it’s going to get harder," Joseph Harmes says as he talks about the death of his mom, Gladys, and step-father, George Novinger.The family was vacationing in Hawaii when Gladys and George were crossing a river and fell to their death in 2017. Now almost two years later, Harmes says he’s come to a cross roads with how he’s handling his grief.RELATED: San Diego man missing, wife dead after being swept over waterfall in Hawaii"I can either choose to be a victim of seeing my mom pass or I can make it my biggest reason to honor her in my actions," Harmes says.Though his mother has been honored by others with her work starting the House of Peru at Balboa Park, Harmes wants to honor her in a personal way. He’s doing so by creating the Hacienda Wellness Retreat Center on their property, the Vineyard Hacienda.Harmes says his mom always had a love for life, focusing on her mental, physical, and emotional needs. He wants to share that mentality with others. RELATED: Missing Chula Vista son surfaces in small Mexican town with no memory, mom saysThe center will feature life coaches, activities like yoga and physical training, and a quiet place to mediate and reflect.Guests will also learn a lot about Harmes’ mom with reminders of her all over the property, including a tiki statue that Harmes had made in honor of her because of her love for Hawaii — and a reminder of the last time he was with her. Another touch will be beautifying a koi pond which was a favorite spot for Gladys. He says she named a lot of the koi after aunts and uncles in Spain. But it’s the support Harmes says he doesn’t physically have anymore that reminds him every day of his loss. “I think the biggest thing I miss about her is that she was my biggest cheerleader," Harmes added. 1963

Special Counsel Robert Mueller spoke publicly for the first after his office's two-year investigation into Russian meddling in the 2016 election.Mueller, who did not conclude the Trump campaign colluded with the Russian government, also declined to clear President Trump of obstruction of justice. "If we had had confidence that the president did not commit a crime, we would have said so," Mueller said. Mueller cited a longstanding justice department policy that a sitting president cannot be charged with a crime. It's based on an interpretation of the U.S. Constitution. In other words, Mueller laid out the evidence, but it's up to Congress to act through impeachment. Meanwhile, Trump has continued to fight congressional subpoenas in the wake of the investigation. "If he continues with this behavior, I think it puts us in a position where we're headed down that road," said Rep. Scott Peters, a Democrat who represents that 52nd district. "I'm concerned about the impression we leave if we don't do anything in the face of this behavior."Peters stopped short of calling for impeachment Wednesday, as did Democratic Congressman Mike Levin. Last week, Democratic Congressman Juan Vargas became the first San Diego lawmaker to call for removal from office. Rep. Duncan Hunter, the county's loan Republican representative in Congress, issued a brief statement Wednesday defending the president."The case is closed," Hunter said. "Let's move on."Glenn Smith, who teaches constitutional law at California Western in downtown San Diego, said the Justice Department's constitutional interpretation is controversial. He points to a clause that says the penalty for impeachment cannot exceed removal from office and future disqualification. It continues that a convicted party shall be liable to the full legal system."The justice department relies on the argument that there's something unique about the office of the president," Smith said. "Involving the president in criminal proceedings before he's impeached and while he's still a sitting president would uniquely disrupt the president."But Smith added the vice president and cabinet members can be indicted in office, so to say the president is unique is putting the president above the law. That's the counterargument to the Justice Department's policy. 2318

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