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Starbucks has apologized after a viral video appeared to show two men being arrested while waiting to meet a friend."We apologize to the two individuals and our customers and are disappointed this led to an arrest. We take these matters seriously and clearly have more work to do when it comes to how we handle incidents in our stores. We are reviewing our policies and will continue to engage with the community and the police departments to try and ensure these types of situations never happen in any of our stores," the company said in a statement posted to social media.  589

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

ST. ANTHONY, Idaho — Lori Vallow Daybell faces additional charges in connection to the disappearance and death of her children.Vallow was charged late Monday with two counts of conspiracy to commit destruction, alteration or concealment of evidence. The new charges are felonies.According to East Idaho News, Vallow will make an initial court appearance on the new charges Tuesday afternoon at 4:30. Vallow and her attorney, Mark Means, will appear remotely from the Madison County Jail.The charges come after Rexburg police served a search warrant the home of her husband, Chad Daybell, in Salem, Idaho, on Monday. Officers went into the house, exterior buildings, and in the backyard with cameras. They left with brown evidence bags, but it is unknown if the search is tied to Vallow's new charges.Vallow was arrested in Hawaii in March in connection with her missing children, 17-year-old Tylee Ryan and 7-year-old Joshua "JJ" Vallow. She was extradited back to Idaho and charged with felony desertion and nonsupport of children along with three misdemeanors. She's remained in the Madison County Jail on a million bond.Vallow is expected to appear in court on July 9 and 10 if needed for a preliminary hearing. Judge Michelle Radford Mallard will appear over the case, scheduled to start at 9 a.m. local time both days.Police discovered JJ's and Tylee's remains in Daybell's backyard on June 9. Daybell was charged with two felony counts of destruction, alteration or concealment of evidence.This story was originally published by Katie Kloppenburg on KIVI in Boise, Idaho. 1588

SOLANA BEACH, Calif. (KGTV) - Business leaders in Solana Beach are calling on the city government for more help as they try to recover from the coronavirus pandemic and its ensuing economic fallout.On June 10, the City Council agreed to set aside 0,000 of CARES Act funding to distribute as grant money to businesses with 25 or fewer employees.While business owners 10News spoke to say they're grateful for any help they can get, some feel it's not enough."We have 1,000 to 1,200 small businesses here in the city that would qualify," says Chamber of Commerce Co-President Ron Blumberg. "So, you do the math."City officials haven't decided how they'll divvy up the money, or what businesses will have to do to apply. They also haven't said how many businesses would receive the grants.But if the money is given out equally, or even pro-rated based on size, it would only amount to a few hundred dollars per business. Blumberg says he'd like to see the city combine that money with other business-friendly moves.Blumberg thinks the city could waive permit fees and restrictions to allow all businesses to expand to their sidewalks. He says they could also remove parking restrictions."Anything that the City can do, to allow businesses to do business under these really crazy circumstances," says Blumberg.The City Council says they're looking into options and has allowed restaurants to add seating on the sidewalks. But in their last council meeting, they decided not to close portions of Cedros Avenue to traffic, which would have allowed businesses in the popular design district to expand even more.Other business owners say they'd like the local government to play more of an advocate role, marketing the city and bringing awareness of what has reopened. They think that will draw more customers to the area.10News reached out to the City of Solana Beach for comment on these ideas. A city employee told us no one was available to speak this week. 1963

SPRING VALLEY (CNS) - A 22-year-old man was behind bars Friday on suspicion of fatally shooting a 27-year-old man in an alley in the La Presa area south of Spring Valley, authorities said.Deputies responding to a report of gunfire shortly after 1:20 a.m. Thursday near the intersection of Delrose Avenue and Elkelton Boulevard found 27-year-old Carlo Avila of Santee in an alley with at least one gunshot wound, according to sheriff's officials.Paramedics responded, but Avila was pronounced dead at the scene, Lt. Rich Williams said.The circumstances leading up to the shooting were under investigation.On Thursday night, 22-year-old Carlos Deandre Davis of La Mesa was arrested on suspicion of murder, Williams said.Davis was booked into San Diego Central Jail about 1:20 a.m. Friday and he is being held without bail pending arraignment, scheduled for Tuesday afternoon, according to jail records.Anyone with information about the shooting was asked to call sheriff's homicide investigators at (858) 285-6330 or (858) 565-5200 after-hours or on weekends.Tipsters who wish to remain anonymous can contact San Diego Crime Stoppers at (888) 580-8477, or online at sdcrimestoppers.org. 1192