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The political ramifications of Ruth Bader Ginsburg’s death on Friday will likely ripple into November and beyond.Her death coming in the final two months of the 2020 presidential election will bring up considerable questions on who will replace her, especially given the divided nature of the Supreme Court.The court, which has seen its share of 5-4 decisions in recent years, could become a reliably conservative court for years to come if President Donald Trump is able to push through a nominee leading up to the election.Currently the court holds five Republican-appointed justices and three Democratic-appointed justice, but Chief Justice John Roberts, appointed by George W. Bush, has sometimes been a swing vote, siding with the liberals.But one person who is opposing a last-minute appointment to the bench was apparently Ginsburg herself.Dictating a statement to family that was released to NPR, Ginsburg said, “My most fervent wish is that I will not be replaced until a new president is installed.”In 2016, conservative Justice Antonin Scalia's death came nine months before the presidential election, and became a focal point of that year's election. President Barack Obama attempted to fill the seat, but Republicans in the Senate blocked the appointment.Senate Minority Leader Chuck Schumer reminded Senate Majority Leader Mitch McConnell on Friday of that fact.“The American people should have a voice in the selection of their next Supreme Court Justice. Therefore, this vacancy should not be filled until we have a new president,” Schumer tweeted, which were the exact words used by McConnell in 2016.On Friday, McConnell confirmed that a potential nominee would get a vote in the Senate, but there are questions on whether a potential nominee would have enough support to be confirmed. "President Trump’s nominee will receive a vote on the floor of the United States Senate," McConnell said. McConnell said this situation is different because Republicans control the White House. "Americans reelected our majority in 2016 and expanded it in 2018 because we pledged to work with President Trump and support his agenda, particularly his outstanding appointments to the federal judiciary. Once again, we will keep our promise," McConnell said.Just last week, Trump released a list of potential Supreme Court nominees. That list can be seen here.Joe Biden agreed with Schumer. "The voters should pick a President, and that President should select a successor to Justice Ginsburg," Biden said. "This was the position that the Republican Senate took in 2016, when there were nearly nine months before the election. That is the position the United States Senate must take now, when the election is less than two months away. We are talking about the Constitution and the Supreme Court. That institution should not be subject to politics."HOW A SUPREME COURT JUSTICE IS CONFIRMED- The president nominates a replacement to be vetted by the Supreme Court.- After vetting the nominee, the Senate may take a vote to accept the nomination. The vote nomination must have 51 votes in order to pass. If there is a tie, the vice president can vote to break a tie.- There are 53 Republicans in the US Senate. It would take four Republicans to vote in opposition in order for a potential nominee not to be approved. 3322

The Justice Department has dropped its case against a woman who laughed out loud during the confirmation hearing for Attorney General Jeff Sessions, ending months of legal wrangling.The woman, Desiree Fairooz, was protesting with Code Pink, a progressive group whose activists are regularly seen around Washington. She was arrested by a Capitol Police officer after audibly laughing during Sessions' confirmation hearing in January.But prosecutors filed a "nolle prosequi," or notice that it would no longer pursue charges, with the DC Superior Court on Monday.She had been prosecuted by the DC US Attorney's Office and had been convicted of a misdemeanor before a judge threw out the conviction in July and ordered a new trial. The government had decided to retry the case after Fairooz rejected a plea deal, and a trial date had been set for next week.Fairooz tweeted the notice was a "relief" Monday night."Just received this, "Governments Notice of Nolle Prosequi" What a relief! Guess they've got enough "laughing" matters to deal with!" she tweeted.The US Attorney's Office declined to explain what had changed."The US Attorney's Office for the District of Columbia yesterday filed a notice dismissing the case involving Desiree Ali-Fairooz," said spokesman Bill Miller. "The US Attorney's Office typically does not discuss charging decisions, and has no comment on the decision to dismiss this particular case."The original arrest happened after Fairooz laughed after Alabama Republican Sen. Richard Shelby told senators at Sessions' confirmation hearing that his former colleague had a record of "treating all Americans equally under the law."Her laughter lasted a few seconds and Shelby continued with his speech without acknowledging the disturbance.Fairooz's attorney said in a statement his client is "relieved and happy" about the result."Yesterday the government dismissed the case for reasons I can only speculate about. And which I may never fully know (though I have various theories)," Samuel Bogash said in an email. "Though as her lawyer I would have preferred a 'not guilty' at the first trial, I'm happy for Ms. Fairooz." 2156

The ongoing feud between the National Rifle Association and the medical community continues in wake of a shooting at a Chicago hospital Monday.A recent article published earlier this month by physicians called gun violence a public health crisis and called for tougher gun laws. In response, the NRA tweeted that doctors should “stay in their lane.”The NRA’s response received backlash, with doctors across the U.S. and abroad expressing their disdain using the hashtag #ThisisMyLane, often with graphic images giving a glimpse into emergency rooms after treating victims of gun violence.Monday, gun violence became personal for doctors and nurses at Mercy Hospital in Chicago after a shooter entered, killing an ER doctor, a pharmacy resident and a Chicago Police Officer.Now, another group of doctors are pushing back against the NRA. In an editorial published by the Annals of Internal Medicine, doctors say they won’t be silenced in using what they learn to better care for their patients.“The NRA does not believe firearm-related injury and its prevention is within the purview of physicians. We could not disagree more,” read the editorial in part.The NRA has accused doctors of pushing a gun control agenda. 1222

The Los Angeles County District Attorney is forming a task force to evaluate sexual assault cases in Hollywood."In response to the widespread allegations of sexual abuse in the entertainment industry, I have established a task force of specially trained deputy district attorneys who are ready to evaluate these cases if any are referred to my office for criminal prosecution," Los Angeles County District Attorney Jackie Lacey said in a statement. "I have assigned the group of veteran sex crimes prosecutors to work together to ensure a uniformed approach to the legal review and possible prosecution of any case that meets both the legal and factual standards for criminal prosecution."Lacey added that to date, her office has not received any cases from law enforcement for possible criminal filing. 811

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