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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

Rocker Neil Young is “reconsidering” an earlier decision not to legally challenge the Trump administration for using his music at events.In an open letter from Young posted to NeilYoungArchives.com, he says he changed his mind following the decision to send federal forces to Portland.“Trump has no respect for our Military. They are not to be used on the streets of America against law abiding citizens for a Political charade orchestrated by a challenged President,” the open letter reads.Young considered requesting the Trump campaign to stop playing his songs after the president used it to announce his presidential bid in 2015. At the time, Young and his manager said the song was used without authorization. But ultimately they decided not to pursue legal action.Attendees at the July 3 event at Mount Rushmore tweeted about the use of Young’s music at the event ahead of President Trump’s speech. Young responded "This is NOT ok with me” in retweeting the mentions. 981

RICHMOND, Va. — Virginia has removed from its iconic state capitol the busts and a statue honoring Confederate generals and officials.That includes a bronze statue of Gen. Robert E. Lee positioned in the same spot where he stood to assume command of the state’s armed forces in the Civil War nearly 160 years ago.Virginia House Speaker Eileen Filler-Corn quietly ordered the Lee statue and busts of generals J.E.B. Stuart, Stonewall Jackson, Confederate President Jefferson Davis, and others removed from the historic Old House Chamber.A crew worked through the night Thursday to have them out of the Capitol by Friday morning.The other Confederate statues removed included:Joseph E. JohnstonFitzhugh LeeAlexander H. StephensThomas BocockThomas J. "Stonewall" JacksonJames E.B. "Jeb" StuartJefferson F. DavisMatthew F. Maury 832

SACRAMENTO, Calif. (AP) — A rookie Sacramento police officer was shot during a domestic violence call and lay wounded for about 45 minutes as the gunman kept officers at bay with bursts of fire, authorities said Thursday. She was finally rescued with an armored vehicle but died at a hospital."We are devastated," Deputy Chief Dave Peletta said. "There are no words to convey the depth of sadness we feel or how heartbroken we are for the family of our young, brave officer."Officer Tara O'Sullivan, 26, was shot Wednesday evening while helping a woman collect her belongings to leave her home. As officers swarmed the area, the gunman continued firing in a standoff that lasted about eight hours before he surrendered.Stephen Nasta, a professor at the John Jay College of Criminal Justice and a former inspector with the New York Police Department, said taking 45 minutes to reach a wounded officer is "unacceptable."If officers couldn't immediately get an armored police vehicle to the scene, he said, they should have commandeered an armored bank vehicle, bus or heavy construction equipment."If there's somebody shot, lying on the ground, you have to do everything you can," Nasta said.If no such vehicle was available, he said he would expect police to use a diversionary tactic such as firing at the home, setting off smoke grenades or breaking a door or window in another part of the home to distract the gunman as other officers rescued the wounded comrade. Police said five other officers fired their weapons during the incident.Police identified the suspect as Adel Sambrano Ramos, 45, of Sacramento.His younger brother, Orlando Ramos, told The Associated Press that Adel Ramos is estranged from his family and has a long record that includes convictions for driving under the influence, drug use and domestic violence."It's the drugs, it's always been the drugs," Orlando Ramos said. "If he goes to prison for the rest of his life, I could care less."I'm a lot more heartbroken for seeing the pain in my mother and for the police officer and her family than I am for him going to prison," he said.He said he was sorry the shooting occurred and sent his condolences to the officer's family.O'Sullivan graduated from the police academy in December and was working with a training officer. She was expected to be on her own in a couple of weeks, Peletta said.She and other officers arrived at the home at 5:41 p.m. A half-hour later the first shots were fired, and O'Sullivan was hit, authorities said. The gunman continued firing a rifle-type weapon. At 6:54 p.m., additional officers responded with an armored vehicle to rescue O'Sullivan."Our officers maintained cover in safe positions until we were able to get an armored vehicle in the area," Sgt. Vance Chandler said.Five minutes later, O'Sullivan was taken to UC Davis Medical Center, where she died.The woman she was helping was not hurt. Orlando Ramos said she was Adel Ramos' girlfriend.O'Sullivan grew up in the San Francisco Bay Area and graduated last year from Sacramento State University with a degree in child development.Mayor Darrell Steinberg said on Facebook that O'Sullivan was in the first graduating class of a groundbreaking program at Sacramento State that "emphasizes the importance of inclusion and cultural competence for future law enforcement leaders — of which Tara undoubtedly would have been."___Rodriguez reported from San Francisco. Associated Press writer Stefanie Dazio in Los Angeles contributed to this story. 3515

SACRAMENTO, Calif. (AP) — California's incoming governor said Tuesday his transition started with a "reality check" as the state contended with a mass shooting and two deadly wildfires.Lt. Gov. Gavin Newsom appeared alongside fellow Democrat and outgoing Gov. Jerry Brown for the first time since he was elected California's 40th governor last week."That puts everything in perspective," Newsom said of the tragedies, standing behind a large brass bear that former Gov. Arnold Schwarzenegger installed in front of the governor's office during his tenure.Newsom said he's focused for now on staffing his administration. The governor appoints hundreds of people who serve at top levels of state agencies and departments. He announced last week that he'd picked former Hillary Clinton aide Ann O'Leary to be his chief of staff and Ana Matosantos, a former chief of finance for the state, to be his cabinet secretary.He and Brown did not offer details of their discussions."Pick an issue. We've had a chance to dialogue at least broadly about it," Newsom said.With fires raging on both ends of California, one of them the deadliest and most destructive in the state's history, Newsom sidestepped questions about what action should be taken against utilities if their equipment is found to be responsible. The fires started near the time and place where Southern California Edison and Pacific Gas & Electric reported equipment irregularities, but no cause has been determined."I'm going to assess the facts first before I opine," he said.Newsom called legislation enacted last year to improve forest management and protect utilities from financial ruin "a good first step, obviously a work in progress." The measure included money to clear dead trees from fire-prone areas and made it easier for utilities to pass along the costs of wildfire lawsuits to their customers. California is one of two states with a legal standard that holds utilities entirely liable if their equipment causes a wildfire.Brown said California is "pretty well maxed out" from fighting several deadly wildfires and he's grateful for the help from surrounding states and the federal government.He said the state is doing everything possible to prevent fires, but "some things only God can do.""This is unprecedented, or what I call the new abnormal," Brown said. "The winds are faster, the temperatures are hotter. The soil and vegetation is dryer. This is unprecedented. And it's a tragedy, and we as human beings have to be humble in the face of it, but also resolute and determined." 2568