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The man suspected in the shooting death of a Hopkinsville police officer has been shot and killed by police.The Montgomery County Sheriff's Office says they were involved in the shooting of James Decoursey near the Cracker Barrel in Clarksville.Shortly after Decoursey initiated the fake traffic stop, he allegedly shot and killed the officer.No other sheriff's deputies were hurt 398

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 National Rifle Association is suing the state of Florida after Gov. Rick Scott signed Senate Bill 7026 into law Friday, the first gun control legislation enacted in the state after the Parkland school massacre on February 14.The NRA suit focuses on the part of the law that raises the minimum age to purchase a firearm to 21 from 18."This bill punishes law-abiding gun owners for the criminal acts of a deranged individual," executive director of the NRA Institute for Legislative Action Chris W. Cox said. "Securing our schools and protecting the constitutional rights of Americans are not mutually exclusive."Seventeen people were killed at Marjory Stoneman Douglas High School when a 19-year-old man with a semi-automatic military-style rifle opened fire.The lawsuit, filed in the Northern District of Florida, says the age minimum section of the new law violates the second and 14th amendments of the US Constitution.The NRA argues people who are 18 years old are considered adults "for almost all purposes and certainly for the purposes of the exercise of fundamental constitutional rights."The organization also contends federal law already prevents many Americans 21 or younger from buying certain types of guns. Florida's law unconstitutionally broadens those limits, the NRA says.Florida Attorney General Pam Bondi, who is named as a defendant, said she was proud of the law."This bill is not perfect, and sadly it will not bring back the 17 lives lost in the horrific school shooting, but the safety of our children is not a political issue, it's simply the right thing to do," she said.Bondi also lauded the students of Stoneman Douglas, many of whom have called for tougher gun laws.Several students texted CNN's Dianne Gallagher with their excitement about Scott signing the measures."We are happy and ready to keep working!!," wrote junior Connor Dietrich."We have much more planned. This is just the beginning," Tyra Hemans said.The new law also bans the sale or possession of bump fire stocks, gives law enforcement greater power to seize weapons and ammunition from those deemed mentally unfit, and provides additional funding for armed school resource officers.A controversial part of the new law is known as the Coach Aaron Feis Guardian Program, which arms some teachers if both the local school district and local sheriff's department agree. The million provision is named after the coach who shielded students with his own body and died in last month's shooting.An NRA statement issued after the governor signed the law said the organization supports increased school security, fixing what it called a broken mental health system and keeping guns away from people who are mentally ill"Preventing a responsible 20-year-old from purchasing the best tool for self-defense will not stop a deranged criminal intent on committing a crime," the NRA said.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2981

The gunman behind the Texas church massacre killed his grandmother-in-law during the attack, multiple friends of the woman told CNN.Devin Patrick Kelley had domestic problems and texted his mother-in-law as recently as Sunday morning, not long before he carried out the largest mass shooting in Texas history, authorities said."We know that he expressed anger towards his mother-in-law, who attends this church," said Freeman Martin of the Texas Department of Public Safety. He said Kelley had a history of sending her threatening texts.But his mother-in-law was not inside the First Baptist Church in Sutherland Springs when Kelley sprayed the congregation with gunfire and killed 26 people. The youngest killed was a 17-month-old girl, her family told CNN. The oldest was 77 years old, Martin said.The gunman's grandmother-in-law, Lula White, was the grandmother of Kelley's wife and often volunteered at the church, according to friends and her Facebook profile.The friends asked not to be named as the family has decided to not speak to the media about White's death at this time, though a few have posted on social mediaTexas Gov. Greg Abbott called the massacre "the largest mass shooting" in the state's history. 1227

The police officer who handcuffed and arrested a nurse for refusing to go against the hospital's policy on drawing blood said through an attorney that he would like to personally apologize for the incident, KUTV reported. Detective Jeff Payne faced criticism for the way he handled an incident in July where he requested hospital employees to draw blood from an unconscious driver who had just been in an accident without that driver's permission or a warrant. The hospital, citing legal precedent, has a policy of not drawing blood without permission or a court-ordered warrant. When nurse Alex Wubbels refused to draw blood, she was handcuffed and placed in the back of a police cruiser. "Jeff would love the chance to sit down and apologize for what happened here," attorney Greg Skordas told KUTV. "If he could do this over he would do it over differently."Payne, along with another officer, were placed on administrative leave by the Salt Lake City Police Department after video of the incident went viral. The department has also since updated it policy regarding blood draws."I think he would love the chance to talk to people about what happened and why it happened and how he would do it differently," Skordas told KUTV. 1262