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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
Right now there is a mystery taking place over the Southwest United States.Hundreds of thousands of birds have been found dead since the beginning of September, according to wildlife experts in New Mexico and Colorado, where some of the most have been reported.“[It’s] really strange. Literally, birds dropping out of the sky type of thing,” said Alison Holloran, the executive director Audubon Rockies. “I actually got emails from Texas and New Mexico as well, where they’re also seeing larger numbers of die-offs.”The crowdsourcing website inaturalist.org has become a spot for people to post pictures of birds they have found as a way to provide more information to biologists and wildlife experts working to figure out why this is happening.The site reports more than 1,000 incidents have been reported involving 191 different bird species.“This is a very strange event,” said Travis Duncan, a spokesman with Colorado Parks and Wildlife. “Heavy smoke from the wildfires may have played a part in creating navigation challenges for the birds.”Duncan says biologists are still performing necropsies to determine a cause, but he says all signs point to a combination of the wildfires raging across the western United States and an early-season cold front at the beginning of September that brought snow and freezing temperatures to parts of the Midwest and Southwest.Duncan says it may have caused the birds’ main food source, which is insects, to die off, forcing these birds to migrate without enough fat and weight to keep them safe once the cold front hit.“This is a web of life. You pull one little string and the whole rope is going to move,” said Holloran. 1672

SACRAMENTO, Calif. (AP) — California's increasingly deadly and destructive wildfires have become so unpredictable that government officials should consider banning home construction in vulnerable areas, the state's top firefighter says.Department of Forestry and Fire Protection Director Ken Pimlott will leave his job Friday after 30 years with the agency. In an interview with The Associated Press, he said government and citizens must act differently to protect lives and property from fires that now routinely threaten large populations.That may mean rethinking subdivisions in thickly forested mountainous areas or homes along Southern California canyons lined with tinder-dry chaparral. Los Angeles County supervisors on Tuesday were considering whether to allow a 19,000-home development in fire-prone mountains amid heavy criticism of the location's high fire danger.California residents should also train themselves to respond more quickly to warnings and make preparations to shelter in place if they can't outrun the flames, Pimlott said.Communities in fire zones need to harden key buildings with fireproof construction similar to the way cities prepare for earthquakes, hurricanes or tornadoes, and should prepare commercial or public buildings to withstand fires with the expectation hundreds may shelter there as they did in makeshift fashion when flames last month largely destroyed the Sierra Nevada foothills city of Paradise in Northern California.California already has the nation's most robust building requirement programs for new homes in fire-prone areas, but recent fire seasons underscore more is needed. Officials must consider prohibiting construction in particularly vulnerable areas, said Pimlott, who has led the agency through the last eight years under termed-out Gov. Jerry Brown.He said it's uncertain if those decisions should be made by local land managers or at the state level as legislative leaders have suggested. But Pimlott said "we owe it" to homeowners, firefighters and communities "so that they don't have to keep going through what we're going through.""We've got to continue to raise the bar on what we're doing and local land-use planning decisions have to be part of that discussion," he said.California's population has doubled since 1970 to nearly 40 million, pushing urban sprawl into mountain subdivisions, areas home to fast-burning grasslands and along scenic canyons and ridgetops that are susceptible to fires. After a crippling drought, the last two years have seen the worst fires in state history. November's fire in the northern California town of Paradise was the deadliest U.S. wildfire in a century, killing at least 85 people and destroying nearly 14,000 homes.A year earlier, a fire that ripped through the San Francisco Bay Area city of Santa Rosa killed 22 people and destroyed more than 5,000 homes and other structures.Every year since at least 2013, firefighters did not anticipate California's wildfires could get worse, Pimlott said. But each year the fires have increased in intensity — driven by dry fuels, an estimated 129 million drought- and bark beetle-killed trees, and climate change.In response, the state is doing more planned burning to eliminate brush and dead trees that serve as fuels for wildfires. The state will also add seven large firefighting aircraft, replace a dozen aging helicopters, provide firefighter counseling and ensure that firefighters have enough time off for medical checkups to help them manage the mental and physical stress from a fire season that now never ends.He said California leads the nation in clearing away dead trees and thinning forested areas that are crowded with trees that can fuel fires, contrary to criticism by President Donald Trump who has blamed forest mismanagement for the fires."No other state, or even the federal government, are putting the amount of investment into this space as California," Pimlott said.The department's philosophy for many years has been to stamp out fires quickly to protect people and property. Prescribed burns were previously used sparingly out of concern they could get out of control, but he said the department is making "a sea change" by recognizing that starting fires under optimum conditions is a good way to reduce dangerous fuels.Recent fires that have burned into cities have made clear that those protections need to be centered around vulnerable communities, he said. Paradise, for example, was built on a ridge atop steep canyons that helped channel the wind-driven fire, while wildfires have repeated blown into Northern and Southern California subdivisions from neighboring wildlands thick with tinder-dry fuel.Pimlott rose through the ranks from seasonal firefighter to deputy director of fire protection before his appointment as chief of the agency. In that role he doubles as the state's chief forester and oversees a department that includes nearly 8,000 firefighters, forest managers and support staff.He said he has seen fire conditions worsen each passing year during his three decades with the agency, taking its toll on residents and firefighters alike."Folks can say what they want to say, but firefighters are living climate change. It's staring them in the face every day," he said.To adapt, he advocates wildfire warning systems that not only use new technology like automated phone calling systems, but maybe restoring civil defense-style emergency sirens in some areas. City planners must prepare communities "unlike we ever have before" with easy evacuation routes and new evacuation centers.And he said Californians must treat "red flag" extreme fire danger warnings the way Midwesterners treat tornado warnings — as imminent threats."The reality of it is, California has a fire-prone climate and it will continue to burn," he said. "Fire is a way of life in California and we have to learn how to live with it, we have to learn how to have more resilient communities." 5973
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
SACRAMENTO, Calif. (AP) — California Gov. Gavin Newsom has signed a law giving tax breaks to more immigrants. In June, California expanded its earned income tax credit to apply to immigrants who have jobs and pay taxes but don't have a Social Security number. But the credit only applied to immigrants who had a child under 6. The law Newsom signed Friday eliminates that requirement, making the tax credit available to more people. It's one of several laws California has enacted in recent years to offer more government services to people living in the country illegally. Newsom said the law will help stimulate the economy. 634
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