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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. (AP) — California lawmakers are preparing to return to work after an extended summer recess because of the coronavirus. Lawmakers return to Sacramento on Monday and have about five weeks to pass bills. Assembly Speaker Anthony Rendon said many lawmakers want Gov. Gavin Newsom to call them back for a special session to give them more time to pass tough bills. Lawmakers are considering proposals that would prevent landlords from evicting tenants unable to pay their rent during the pandemic and making COVID-19 infections eligible for workers' compensation claims. They are also weighing bills about police brutality and health care. 662

ROCKFORD, Ill. (AP) — Authorities say a U.S. Army special forces sergeant based in Florida has been charged in the deaths of three people and the wounding of three more in an apparently random shooting at an Illinois bowling alley. Winnebago County State's Attorney J. Hanley said Sunday that 37-year-old Duke Webb has been charged with three counts of murder and three counts of first-degree attempted murder in the shooting at Don Carter Lanes, in Rockford, Saturday evening. Police Chief Dan O'Shea said Sunday that the men who died were aged 73, 65, and 69. He didn't provide names. He says two teenagers were wounded and that a 62-year-old man who was shot several times is in critical condition.According to The Associated Press, the 14-year-old boy was shot in the face and airlifted to a hospital in Madison in stable condition. A 16-year-old girl was shot in the shoulder and was treated at a hospital and released. The AP reported that the 62-year-old man underwent surgery overnight after suffering multiple gunshot wounds. 1042

Rooted in its western heritage, Arizona has long been a state focused on freedoms.“Historically it was a lot of ranchers and rural,” said Valerie Hoekstra, Politics and Global Studies Professor at Arizona State University. “You’re not required to wear a helmet on a motorcycle, you can sit in the back of a pickup truck. All these things that are part of the individualistic tradition that sometimes overlap with liberal values, and sometimes just that western culture.”But things are shifting in the Grand Canyon State.“I don’t think we can count it as a red state anymore, it’s not a blue state for sure either,” Hoekstra said.A Democratic presidential candidate has not carried the state of Arizona since Bill Clinton did so 24 years ago in 1996. However, Tuesday night’s election results show Arizona’s Republican preference is shifting. There’s heavy support this election for both Democratic presidential candidate Joe Biden, and U.S. Senate Candidate Mark Kelly. Both gaining major support in areas like Phoenix and Tucson, two of Arizona’s most populous areas.Several factors may be contributing to the political shift. Over the years, Arizona has become a hot spot for transplants from across the country, especially California, a largely Democratic-leaning state. About 60,000 Californians moved to Arizona in 3017 alone, according to Census Bureau data. Then there’s also Arizona’s growing Hispanic population.“The increasing Latino Latina population in this state that happens to be Democratic leaning and identify as Democrats,” Hoekstra said. And then there’s the young people.“The universities are huge and growing and the students seem to be more active.”That’s a change from the new residents Arizona is often known for attracting. “It was a haven for retirees and snowbirds,” she said. “People who don't really want to pay taxes and moved here for those reasons.”State voter registration statistics show a record number of registered voters in Arizona as of November 2020, with just over 4.2 million. For comparison, the state’s population is closing in on 7.3 million people as of last year. Of the registered voters, 35.24% registered as Republican and 32.20% as Democrat. Getting those voters to turn out, is another battle.“Just the candidates themselves mobilize people one way or another, or demobilize some people maybe, too,” Hoekstra explained. She said just because Arizona swung blue this time, doesn’t mean it will in the future as the demographics of the state continue to change. “It’s up for grabs.” 2540

Ring the alarm!Beyoncé did not disappoint at the closing weekend of the Coachella Valley Music and Arts Festival on Saturday night -- turning it once again into what fans are calling, "Beychella."Queen Bey made headlines for her unbelievable performance last weekend. Backed by a full marching band in tribute to historically black colleges, a drumline and dozens of dancers, her powerful headlining set featured a surprise Destiny's Child reunion, her husband Jay-Z and more. But with Beyoncé being, well, Beyoncé, some wondered how the superstar might mix things up for the festival's second weekend. 610

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