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Richard Cordray is stepping down from his post leading the Consumer Financial Protection Bureau.Cordray said Wednesday that he plans to resign as director at the end of the month."It has been a joy of my life to have the opportunity to serve our country as the first director of the Consumer Bureau by working alongside all of you here. Together we have made a real and lasting difference that has improved people's lives," he said in a note to CFPB staff.Cordray, who was appointed by President Obama, has served as the agency's chief since 2013.The CFPB was created in 2011 as part of the Dodd-Frank reforms that followed the 2008 financial crisis.  664

SACRAMENTO, Calif. (AP) — California will limit rent increases for some people over the next decade after Democratic Gov. Gavin Newsom signed a law Tuesday aimed at combating a housing crisis in the nation's most populous state.Newsom signed the bill at an event in Oakland, an area where a recent report documented a 43% increase in homelessness over two years. Sudden rent increases are a contributing cause of the state's homeless problem, which has drawn national attention and the ire of Republican President Donald Trump."He wasn't wrong to highlight a vulnerability," Newsom said of Trump's criticisms to an audience of housing advocates in Oakland. "He's exploiting it. You're trying to solve it. That's the difference between you and the president of the United States."The law limits rent increases to 5% each year plus inflation until Jan. 1, 2030. It bans landlords from evicting people for no reason, meaning they could not kick people out so they can raise the rent for a new tenant. And while the law doesn't take effect until Jan. 1, it would apply to rent increases on or after March 15, 2019, to prevent landlords from raising rents just before the caps go into place.RELATED: San Diego's top neighborhoods to get more rental space for the moneyCalifornia and Oregon are now the only places that cap rent increases statewide. Oregon capped rents at 7% plus inflation earlier this year.California's rent cap is noteworthy because of its scale. The state has 17 million renters, and more than half of them spend at least 30% of their income on rent, according to a legislative analysis of the proposal.But California's new law has so many exceptions that it is estimated it will apply to 8 million of those 17 million renters, according to the office of Democratic Assemblyman David Chiu, who authored the bill Newsom signed.It would not apply to housing built within the last 15 years, a provision advocates hope will encourage developers to build more in a state that desperately needs it. It does not apply to single family homes, except those owned by corporations or real estate investment trusts. It does not cover duplexes where the owner lives in one of the units.RELATED: Making It In San Diego: How housing got so expensiveAnd it does not cover the 2 million people in California who already have rent control, which is a more restrictive set of limitations for landlords. Most of the state's largest cities, including Los Angeles, Oakland, and San Francisco, have some form of rent control. But a state law passed in 1995 bans any new rent control policies since that year.Last year, voters rejected a statewide ballot initiative that would have expanded rent control statewide. For most places in California, landlords can raise rent at any time and or any reason if they give notice in advance.That's what happened to Sasha Graham in 2014. She said her rent went up 150%. She found the money to pay it on time and in full, but her landlord evicted her anyway without giving a reason. She was homeless for the next three years, staying with friends, then friends of friends and then strangers."Sometimes I lived with no lights, sometimes I lived with no water, depending on who I was living with (because) they were also struggling," she said. "Sometimes I just had to use my money to go to a hotel room so I could finish my homework."Graham, who is now board president for the Alliance of Californians for Community Empowerment, now lives in family housing at the University of California, Berkeley, where she is scheduled to graduate in May. She said the law, had it been in place, would have helped her.But Russell Lowery, executive director of the California Rental Housing Association, says the law adds an expensive eviction process that did not previously exist. He said that will encourage landlords to increase rents when they otherwise wouldn't."It adds unnecessary expenses to all rental home providers and makes it more difficult to sever a relationship with a problem tenant," he said. 4034

SACRAMENTO, Calif. (AP) — California police say a man brandished what they later learned was a fake gun during a standoff that resulted in the evacuation of a hotel. The Sacramento Bee reported guests were evacuated from a Comfort Inn in Red Bluff early Saturday during a standoff between police and a domestic violence suspect. The Red Bluff Police Department said in a release that 21-year-old Christian Sandoval-Perez of Corning faces multiple charges including child abuse and domestic violence. Officers went to the hotel’s second floor and encountered Sandoval-Perez with a gun. He held off police for more than 75 minutes. 637

SACRAMENTO, Calif. (AP) — California lawmakers approved a multibillion-dollar plan Thursday to shore up the state's biggest electric utilities in the face of catastrophic wildfires and claims for damage from past blazes caused by their equipment.It requires major utilities to spend at least billion combined on safety improvements and meet new safety standards, and it creates a fund of up to billion that could help pay out claims as climate change makes wildfires across the U.S. West more frequent and more destructive.Lawmakers passed the bill less than a week after its final language went into print, and Gov. Gavin Newsom was expected to sign it Friday. Republicans and Democrats said the state needed to provide financial certainty to the state's investor-owned utilities, the largest of which, Pacific Gas & Electric Corp., is in bankruptcy.But they said their work is far from over and they plan to do more on wildfire prevention and home protection when they return in August from a summer break.A broad coalition rallied around the measure, from renewable energy trade groups and labor unions representing utility workers to survivors of recent fires caused by PG&E equipment. Victims applauded provisions they say will give them more leverage to get compensation from the company as it wades through bankruptcy.But several lawmakers raised concerns that the measure would leave utility customers on the hook for fires caused by PG&E despite questions about the company's safety record."No one has ever said this bill is going to be the silver bullet or fix all but it does take us in dramatic leaps to where we can stabilize California," said Assemblyman Chris Holden, a Democrat from Pasadena and one of the bill's authors.Holden and other supporters said the legislation would not raise electric rates for customers. But it would let utilities pass on the costs from wildfires to customers in certain cases, which would make costs rise.The legislation also extends an existing charge on consumers' electric bills to raise .5 billion for the fund that will cover costs from wildfires caused by the equipment of participating electric utilities.PG&E filed for bankruptcy in January, saying it could not afford billions in damages from recent deadly wildfires caused by downed power lines and other company equipment, including a November fire that killed 85 people and largely destroyed the town of Paradise.Credit ratings agencies also are eyeing the financial worthiness of Southern California Edison and San Diego Gas & Electric.PG&E did not take a formal position on the bill. Spokesman Lynsey Paulo said the utility is committed to resolving victims' claims and reducing wildfire risks.To use the fund, companies would have to meet new safety standards to be set by state regulators and take steps such as tying executive compensation to safety. The state's three major utilities could elect to contribute an additional .5 billion to create a larger insurance fund worth at least billion.Questions about PG&E's efforts to combat fires led to some opposition.A day before the legislation passed, a federal judge overseeing PG&E's bankruptcy ordered its lawyers to respond to a report in The Wall Street Journal that showed it knew about the risks of aging equipment but did not replace systems that could cause wildfires."It is hard not to see this bill as something of a reward for monstrous behavior. They haven't done the work. They should not be rewarded," said Assemblyman Marc Levine, a Democrat from San Rafael who voted against the legislation.David Song, a spokesman for Southern California Edison, said the utility supports the bill but wants to see "refinements." He offered no specifics."If the bills are signed into law they take initial steps to return California to a regulatory framework providing the financial stability utilities require to invest in safety and reliability," he said.___Associated Press writer Adam Beam contributed. 4026

SACRAMENTO, Calif. (AP) — California's skyrocketing gas prices could be driven by "possible market manipulation" by a handful of well-known retailers, according to a new government analysis.In a memo to Democratic Gov. Gavin Newsom, the California Energy Commission said at the end of April the difference between the state's gas prices and the national average increased by more than a dollar — "the highest increase ever seen." After accounting for the state's additional taxes and other program costs, the increase has ranged between 17 cents and 34 cents per gallon since 2015.The agency noted the price jump "roughly matches" the period in 2015 when an explosion at Exxon Mobil's refinery in Torrance crippled production in the state for more than a year. But the refinery has restored normal operations, suggesting other factors are driving up the price of fuel.One possible explanation the commission identified is some retailers are charging higher prices than others "for essentially the same product." The commission noted Chevron, Shell, Exxon, Mobil and 76 have doubled their prices compared to ARCO, unbranded retailers and hypermart locations, which include stations associated with supermarkets or big-box retail stores."While this practice is not necessarily illegal, it may be an effort of a segment of the market to artificially inflate prices to the detriment of California consumers," the commission noted in its report.Agency officials said this type of price increase would normally drive customers to lower-priced competitors. From 2010 to 2017, the commission said the percentage of gasoline sold by Chevron, Shell and 76 retail stores dropped by about 3 percentage points combined.However, the commission noted its preliminary estimates are "imprecise." Agency officials have proposed studying the issue for the next five months and then presenting the governor with a full report.Western States Petroleum Association President Catherine Reheis-Boyd said lots of factors can explain why California's gas prices are higher than the national average, including the state's mandated fuel blend requirements, increasingly high state taxes and regulations that include the Low Carbon Fuel Standard Program."This report provides further evidence of what market experts and government agencies have maintained for years: there are many factors that influence movement in the price of gasoline and diesel, but the primary driver is the dynamics of supply and demand of crude oil," Reheis-Boyd said. 2523