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The incoming White House administration will have to handle dual public health crises, COVID-19 and racism.President-elect Joe Biden and Vice President-elect Kamala Harris met with the top civil rights leaders Tuesday night.During the meeting, Biden and Harris were commended on recent diverse picks for top cabinet positions, like retired Geb. Lloyd Austin as the country's first black Pentagon chief, and Rep. Marcia Fudge to lead the Department of Housing and Urban Development.“And we want to ensure that that momentum and that progress is going to continue through the remainder of the appointments he makes,” said Marc Morial, President of the National Urban League.Morial says the meeting was candid and productive. He says his organization will support but also hold the administration accountable to their commitments on racial equity and it starts with COVID-19.“Ensuring that there's a plan to educate people in the community, to educate Black people and brown people about the process of the vaccine, about the safety and effectiveness of the vaccine, so people can make their own decision,” said Morial.A top concern among civil rights leaders is vaccine access. Morial says the distribution system shouldn't be solely reliant on chain pharmacies, hospitals and doctors.“To be able to distribute the vaccine at schools, at libraries, at community centers, why not use covered stadiums in some communities, that covered staples in places like Indianapolis and New Orleans and Houston,” said Morial.The head of the NAACP also asked the president-elect for a new national adviser position that would focus on creating policy centered around racial justice and equity. 1685

The Portland (Oregon) Police Department said that 49 people were arrested stemming from what the police called “riots” in Oregon's largest city over the weekend.Sunday marked the 74th day of unrest in Portland following the Memorial Day death of George Floyd who died while in Minneapolis Police custody. The period of unrest included federal agents engaging with protesters at the city’s federal courthouse, which prompted nationwide scrutiny over the use of federal officers for domestic law enforcement purposes.Among the demonstrators arrested over the weekend was Demetria Hester, a prominent Black Lives Matter activist who leads the group Mothers United for Black Lives Matter. The 46-year-old demonstrator was arrested Sunday on charges of disorderly conduct and interfering with a peace officer.Hester testified in a hate crime case earlier this year against a man involved in a sentenced train attack, saying that she had been attacked by self-described white nationalist Jeremy Christian before the deadly incident. Christian wound up be sentenced to life in prison after being found guilty of killing two people in a hate crime.Friday night marked the most arrests from the weekend, 24, and the injury of an Oregon State Police Trooper, who police said was wounded from being struck in the head by a rock.The department said that there were two separate gatherings in the city on Friday. The first, the police say, was a peaceful demonstration that officers did not interact with. But a second gathering nearby, the department said, began to turn violent.On Saturday, a second protest took place and lasted peacefully for four hours, according to police. But tensions began to rise after the group marched, and vehicles began to illegally block intersections.Some in the crowd then set fire to Portland’s police union building, prompting the department’s officers to engage with the crowd.“People within the crowd committed crimes when they erected a fence, pushed dumpsters into the street to block traffic, set a dumpster on fire, vandalized the PPA office with spray paint, and destroyed security cameras,” the Portland Police said. “At 11:35 p.m., people within the crowd broke the window to the PPA Office, unlawfully entered, and started a fire, committing the crimes of criminal mischief, burglary, and attempted arson.”On Sunday, an additional 16 arrests were conducted as two Portland officers were injured by a mortar. 2448

The Government Oversight and Audit Committee of the Louisville Metro Council passed an order to investigate Mayor Greg Fischer's handling of the deaths of Breonna Taylor and David McAtee as well as his handling on protesters.The committee passed the order on Tuesday.In a press release, the committee said that the "action and inaction of Fischer's administration" prompted them to open an investigation."Metro Council and the public at large seek to better understand these events and surrounding circumstances by examining the role of, decisions made by, and orders given by any officers of the consolidated local government and any board or commission," the city said in the statement. "This includes but not limited to Mayor Greg Fischer, his leadership team, and his administration (the “Administration”) and LMPD by and through its agents. Metro Council and the citizens of Louisville demand a transparent, public process whereby the truth of these events comes to light and critical missing information is revealed to help resolve the aforementioned issues and omissions."Back on March 13, Taylor was shot eight times inside her home by police who were serving a no-knock warrant. McAtee was shot back in June after police and the Kentucky National Guard were trying to disperse protesters, according to CNN.See the full press release below: Or-004-20 v.1 071420 Order Investigating Administration Actions-Inaction by Sarah Dewberry on Scribd 1459

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The president has signed the covid relief/government funding bill, several sources told me.— Jake Sherman (@JakeSherman) December 28, 2020 152