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LOUISVILLE, Ky. (AP) — Government officials in Kentucky say they'll be investigating the city of Louisville's handling of the fatal police shooting of Breonna Taylor. The Louisville Metro Council's government oversight committee announced its intentions Monday. News outlets report the Metro Council's next meeting is scheduled for July 23. Jean Porter, a spokeswoman for Mayor Greg Fischer, says the mayor welcomes the review. Protesters have been calling for the officers involved in Taylor's death to be charged. Taylor, a 26-year-old Black woman, was killed in her Louisville home in March by police who were serving a no-knock warrant in a drug investigation. No drugs were found, and one of the officers was recently fired. 737

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Melissa Howard, a Florida state house candidate, told CNN on Tuesday that she has suspended her campaign.Howard came under fire after posting a picture of a diploma from Miami University in Ohio, although the school said she did not receive a degree there.She officially suspended her campaign on Tuesday, although the day before, she had vowed to stay in the race in a Facebook post that has since been taken down."I have come to the realization that the right thing to do for my community is to withdraw from the race. I will do so today," Howard said in a statement to CNN affiliate WWSB.Howard, a Republican candidate who sought to represent District 73 in the Florida House of Representatives, vowed to continue serving her community and apologized in the statement. 784

Mark Zuckerberg has taken the stage to deliver a keynote at F8, Facebook's annual developer's conference.The CEO addressed Facebook's ongoing data privacy scandal, election meddling issues, and fake news problems, recapping the company's efforts to fix those problems. But he also tried to move the narrative forward with new product and feature announcements."We are all here because we are optimistic about the future," said Zuckerberg. "We have real challenges to address but we have to keep that sense of optimism too. What I learned this year is we have to take a broader view of our responsibility."Zuckerberg called out "Watch Party," a tool announced in January that lets you watch shows while chatting about them with your Facebook friends."Let's say that your friend is testifying in congress, for example. Now you're going to be able to bring your friends together and you can laugh together and you can cry together. Some of my friends actually did this! Let's not do that again anytime soon," Zuckerberg said.And Facebook is adding new features for dating, Zuckerberg announced."This is going to be for building real long term relationships, not just hookups, it's going to be in the Facebook app but it's totally optional. It's opt in... we have designed this with privacy and safety in mind from the beginning... you will only be suggested people who are not your friends."The event comes more than a month after news broke that Cambridge Analytica, a data firm with ties to President Donald Trump's campaign, accessed information from as many as 87 million Facebook users without their knowledge.Shortly before Zuckerberg's keynote began, the company announced a new privacy feature that will, once launched, allow users to clear their browsing history on Facebook, including what they've clicked on and which websites they've visited.  1865

Michael Allman says his platform of "direct democracy" sets him apart from the other candidates running for the 52nd Congressional seat. At an event in La Jolla Tuesday announcing his candidacy, Allman explained how he would use technology to asses his constituents positions on major issues. Allman says  he has designed a software program that would allow voters to go online and voice their opinions. The program will ensure that only registered voters can weigh in and also makes sure they're voting just once. The investor and former energy company executive is one of several Republicans challenging Democratic representative Scott Peters in next year's election.  708