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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 (KGTV) -- A driver is recovering in the hospital after being rescued from his car Wednesday night.According to California Highway Patrol, the man crashed his car around 10:15 p.m. on Sandy Bev Lane.Deputies say the car sheared a power pole before taking out several fences and almost hitting a house.The victim was taken to the hospital with major injuries. No other cars were involved.CHP is investigating what caused the driver to lose control. 468

ST. JOSEPH, Mo. — The St. Joseph Police Department (SJPD) is investigating after a woman found a bomb on her front porch.Alexis Washington was up late with her newborn daughter and young son when she heard a loud pop and saw a flash of red light. When she came outside to check it out, she found the bomb on her porch."The cop told me then that the propane tank was leaking, there was ammunition on top of it with a paper towel that was lit on fire," Washington said. "A bomb? I just don't understand, like a bomb? You can't fight that. That's why it's just like you've got to go. I got to go."SJPD Cpt. Jeff Wilson said the bomb was definitely homemade. The porch was doused with kerosene."I don't have any words for it because I don't see how you could do that," Washington said.SJPD and the ATF are investigating.Washington is thankful her family got out safely."All I can say is it was God, you know, because it went out," said Washington. "The paper towel went out and that's what saved us." 1019

Spurred by broad public support for the Black Lives Matter movement, thousands of Black activists from across the U.S. will hold a virtual convention in August to produce a new political agenda that seeks to build on the success of the protests that followed George Floyd’s death.The 2020 Black National Convention will take place Aug. 28 via a live broadcast. It will feature conversations, performances and other events designed to develop a set of demands ahead of the November general election, according to a Wednesday announcement shared first with The Associated Press.The convention is being organized by the Electoral Justice Project of the Movement for Black Lives, a coalition of more than 150 organizations. In 2016, the coalition released its “Vision for Black Lives” platform, which called for public divestment from mass incarceration and for adoption of policies that can improve conditions in Black America.“What this convention will do is create a Black liberation agenda that is not a duplication of the Vision for Black Lives, but really is rooted as a set of demands for progress,” said Jessica Byrd, who leads the Electoral Justice Project.At the end of the convention, participants will ratify a revised platform that will serve as a set of demands for the first 100 days of a new presidential administration, Byrd said. Participants also will have access to model state and local legislation.“What we have the opportunity to do now, as this 50-state rebellion has provided the conditions for change, is to say, ‘You need to take action right this minute,’” Byrd said. “We’re going to set the benchmarks for what we believe progress is and make those known locally and federally.”Wednesday’s announcement comes at a pivotal moment for the BLM movement. A surge in public support, an influx in donations and congressional action to reform policing have drawn some backlash.President Donald Trump lashed out again Wednesday on Twitter over plans to paint “Black Lives Matter” in yellow across New York City’s famed Fifth Avenue, calling the words a “symbol of hate.” White House press secretary Kayleigh McEnany said Trump “agrees that all Black lives matter” but disagrees with an organization that would make derogatory statements about police officers. McEnany was referring to an oft-cited chant of individual protesters from five years ago.The Black National Convention was originally planned to happen in person, in Detroit, the nation’s Blackest major city. But as the coronavirus pandemic exploded in March, organizers quickly shifted to a virtual event, Byrd said. The first-ever Black Lives Matter convention was held in Cleveland in 2015.The most recent AP analysis of COVID-19 data shows Black people have made up more than a quarter of reported virus deaths in which the race of the victim is known.Initial work to shape the new platform will take place Aug. 6 and 7, during a smaller so-called People’s Convention that will virtually convene hundreds of delegates from Black-led advocacy groups. The process will be similar to one that produced the first platform, which included early iterations of the demand to defund police that now drives many demonstrations.Other platform demands, such as ending cash bail, reducing pretrial detention and scrapping discriminatory risk-assessment tools used in criminal courts, have become official policy in a handful of local criminal justice systems around the U.S.Cliff Albright, co-founder of Black Voters Matter, which organizes in 15 states, said the 2020 Black National Convention will deepen the solutions to systemic racism and create more alignment within the movement.“We’re in this stage now where we’re getting more specific about how all of this is connected to our local organizing,” Albright said. “The hope is that, when people leave the convention, they leave with greater clarity, more resources, connectivity and energy.”The coalition behind the convention includes Color of Change, BYP100, Dream Defenders and the Black Lives Matter Global Network, which has 16 official chapters nationwide.Convention organizers said this year’s event will pay tribute to the historic 1972 National Black Political Convention in Gary, Indiana, which concluded with the introduction of a national Black agenda. The Gary gathering included prominent Black leaders such as the Rev. Jesse Jackson, the Rev. Al Sharpton, Rep. Shirley Chisholm, who ran for president, as well as Black Panther Party co-founder Bobby Seale, Coretta Scott King and Betty Shabazz.That convention came after several tumultuous years that included the assassinations of Malcolm X and the Rev. Martin Luther King Jr. and outbreaks of civil unrest, all of which were seen as blows to the civil rights movement.The upcoming convention builds on more than a century of Black political organizing.In 1905, civil rights activist and scholar W.E.B. Du Bois formed the Niagara Movement after a national conference of Black leaders near Buffalo, New York. In a written address to the country, Du Bois and others decried the rise of institutionalized racial inequality in voting, criminal justice systems and public education.In the 1950s, William Patterson, founder of the now-defunct Civil Rights Congress, led the effort to charge the U.S. with genocide of African Americans using legal standards set by the United Nation. The resulting petition, “We Charge Genocide,” is an oft-cited document in conversations about fatal shootings of Black people by police in the U.S.And in 1998, organizers of the Black Radical Congress in Chicago met to strategize ways to beat back attacks on affirmative action policies that helped to diversify higher education and other facets of American life.Like any large political gathering, consensus is not guaranteed. The National Black Political Convention caused divisions between participating organizations over the Black agenda’s position on busing to integrate public schools and statements on global affairs that some viewed as anti-Israel. Ultimately, the agenda prompted a leader of the NAACP, the nation’s oldest civil rights organization, to sever ties with the convention.Somewhat similarly, the Vision for Black Lives platform and its characterization of Israel as an “apartheid state” committing mass murder against Palestinian people drew allegations of anti-Semitism from a handful of Jewish groups, which had otherwise been supportive of the Black Lives Matter movement.The Black Lives Matter movement’s coalition has more than doubled in size in the years since the first platform, largely because of organizers’ laser focus on issues central to Black freedom, Byrd said.“That actually is the Black self determination that our politics require,” Byrd said, “that we don’t just respond to the Democratic Party. That we don’t just respond to the Republican Party. We don’t just say ‘Black lives matter’ and beg people to care. We build an alternative container for all of us to connect, outside of the white gaze, to say this is what we want for our communities.”The August convention will happen on the same day as a commemorative, in-person march on Washington that is being organized by Sharpton, who announced the march during a memorial service for Floyd, a Black man who died May 25 after a white Minneapolis police officer held a knee to his neck.The Black National Convention will broadcast after the march, Byrd said.August “is going to be a huge month of Black engagement,” she said.___Associated Press Writer Darlene Superville in Washington and news researchers Randy Herschaft in New York and Monika Mathur in Washington contributed to this report. Morrison is a member of the AP’s Race and Ethnicity team. Follow him on Twitter at https://www.twitter.com/aaronlmorrison. 7787

Seven children have died as a result of adenovirus at the Wanaque Center for Nursing and Rehabilitation in Haskell, New Jersey.The Wanaque facility has been "instructed not to admit any new patients until the outbreak ends and they are in full compliance," according to the health department.The timing of the deaths is not clear. The health department was notified of respiratory illness at the center on October 9 and Wanaque sent parents of children at the facility letters about the infection on October 19 according to Nicole Kirgan at the New Jersey Department of Health.On Tuesday the New Jersey Department of Health announced the death of six pediatric residents at the center and the infection of 12 additional residents. Wednesday the department announced an additional pediatric death.The New Jersey Department of Health said it's an ongoing outbreak investigation and workers were at the facility Tuesday. A team at the facility on Sunday found minor handwashing deficiencies. "The Department continues to work very closely with the facility to ensure that all infection control measures are being followed," the Wanaque facility said in a statement Wednesday.The exact ages of the children are not being released to protect patient privacy, Nicole Kirgan, a spokeswoman for the department of health said, adding that the age ranges for the deceased children was "from a toddler through young adults - but most are under 18."Adenoviruses can cause mild to severe illness, though serious illness is less common. People with weakened immune systems or existing respiratory or cardiac disease are at higher risk of developing severe illness from an adenovirus infection, according to the Centers for Disease Control and Prevention.This outbreak, caused by adenovirus type 7, "is affecting medically fragile children with severely compromised immune systems. The strain has been particularly associated with disease in communal living arrangements and can be more severe," according to the health department statement.In a statement Tuesday, the facility said it "promptly notified all appropriate government agencies when the virus was initially identified.""The Wanaque Center continues to fully cooperate with these agencies and has sought out their medical guidance with respect to the virus," the facility said. "As a result, facility staff have diligently implemented all available infection control and prevention measures in order to protect the health and safety of the Wanaque Center's residents."Nurses at the facility had previously reported a shortage of nursing staff and supplies, according to a statement from the union that represents the nursing staff which was posted online Tuesday. The Health Professionals and Allied Employees (HPAE) said the shortages may have led to "poor infection control practices."The union said it represents the 70 nurses that work at the Wanaque Center for Nursing and Rehabilitation.In a review by the government's Centers for Medicare and Medicaid Services the Wanaque Center was awarded an above average ranking in overall quality but was given a below average health inspection rating. Based on an inspection conducted in August, CMS reported that "it was determined that the facility failed to provide a clean and homelike physical environment for their residents. " 3335

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