Sunday, July 27, 2025
Home Blog Page 579

New federal rule charges higher fees to home buyers with better credit

By CASEY HARPER | THE CENTER SQUARE

A new federal rule that would charge higher fees to home buyers with good credit to help subsidize those with poor credit goes into effect Monday.

The Federal Housing Finance Agency announced in January it would increase Loan-Level Price Adjustment fees for mortgage borrowers with higher credit scores to help keep fees lower for those with worse credit.

Director Sandra Thompson of FHFA said the plan will “advance their mission of facilitating equitable and sustainable access to homeownership.”​​

The loan-level price adjustment is a fee assessed after bankers evaluate the risk of lending them money. The FHFA rule could cost those with better credit scores thousands of dollars on their loans, effectively punishing them for paying their bills.

Critics argue the rule shifts risk costs onto borrowers with better credit and will leave taxpayers on the hook if the plan leads to major economic issues. 

The rule has sparked a wide array of controversy, especially as critics point out Freddie Mae and Freddie Mac engaged in similar policies in their role in the 2008 financial crisis. That crisis put billions of dollars in financial burden on taxpayers via government bailouts.

Critics called the rule a “bailout” for those with poor credit, comparing it to student loan forgiveness.

“Rather than saddle those with scores 680 or lower with more debt, it’s far better to encourage them to re-establish credit,” Joel Griffith, an economic expert at the Heritage Foundation, told The Center Square. “Most people find themselves financially strapped at some point. A few years of consistent timely payments and debt paydown can help someone even emerging from bankruptcy attain scores at 680 or worse with a near 0% loan from FHA.”

Griffith also said the plan would drive up home prices, especially for starter homes, which are already experiencing the highest housing inflation.

Other critics argue this is part of a pattern in the Biden administration of using regulations to take from some and give to others.

“This mortgage rule is part of a pattern of Biden administration policies that force responsible consumers to subsidize irresponsible ones – from blanket student loan forgiveness that disregards those who already paid to the CFPB’s price controls on credit card late fees that would force those cardholders who pay on time to pay more,” John Berlau, director of Finance Policy for the Competitive Enterprise Institute, told The Center Square.

In response, U.S. Rep. Andy Biggs, R-Ariz., introduced the the Responsible Borrowers Protection Act last week. Biggs’ measure would block the rule from going into effect, but will almost certainly not be passed before Monday if at all.

“The FHFA – led by a President Biden appointed director – is punishing financially responsible mortgage borrowers,” said Biggs, who has more than 30 lawmakers backing his bill. “Their agenda of equity over equality defies common sense and will endanger the stability of the housing market.”

Casey Harper is a Senior Reporter for the Washington, D.C. Bureau. He previously worked for The Daily Caller, The Hill, and Sinclair Broadcast Group. A graduate of Hillsdale College, Casey’s work has also appeared in Fox News, Fox Business, and USA Today.

Corrections officer charged with bringing meth into state prison

42

Alaska State Troopers on Thursday arrested a corrections officer at Spring Creek Correctional Center for bringing 48.7 grams of suspected methamphetamine and 87 Buprenorphine strips to an inmate in the facility. Both are controlled substances.

Steven Manuel, 44, a Seward resident, was arrested without incident and remanded to the Seward Jail on charges of promoting contraband in the first degree, misconduct involving a controlled substance in the third degree, and in the fourth degree.

According to the Troopers’ dispatch report, more charges may be filed.

Border security: Biden administration to expand entry to U.S. ahead of Title 42 expiring

By BETH BLANKLEY | THE CENTER SQUARE

The Department of Homeland Security and Department of State announced unprecedented policies to expand entry to the United States while also claiming the border is closed ahead of the public health authority Title 42 ending on May 11.

The new policies, they said, will “further reduce unlawful migration across the Western Hemisphere, significantly expand lawful pathways for protection, and facilitate the safe, orderly, and humane processing of migrants.”

The Title 42 public health order is set to expire 11:59 PM EST on May 11. Implemented under former President Donald Trump, Title 42 allowed border agents to immediately expel foreign nationals during the COVID-19 pandemic. Lifting the order “does not mean the border is open,” the statement says.

When Title 42 is lifted, it claims federal agents “will return to using Title 8 immigration authorities to expeditiously process and remove individuals who arrive at the U.S. border unlawfully.”

The announcement claims Title 8 authority violations “carry steep consequences for unlawful entry, including at least a five-year ban on reentry and potential criminal prosecution for repeated attempts to enter unlawfully,” even though over a million people with deportation orders haven’t been deported because of new policies instituted by DHS Secretary Alejandro Mayorkas.

While the statement claims “the border is not open,” the new policies are being implemented in coordination with the governments of Mexico, Canada, Spain, Colombia and Guatemala to expand entry to the United States “through a combination of expanded lawful pathways.”

One “legal pathway” includes expanding access to the CBPOne App. Foreign nationals from Central and Northern Mexico can schedule an appointment using the app to present themselves at a port of entry to be processed by Border Patrol with the expectation of being released into the U.S. “CBPOne will make additional appointments available, and the use of this tool will enable safe, orderly, and humane processing,” according to the policy.

Another includes a new family reunification parole process for citizens of El Salvador, Guatemala, Honduras and Colombia to enter the U.S, as well as for Cubans and Haitians. “Vetted individuals with already approved family-based petitions” will be released into the U.S. through this new system, which may conflict with an order given by a federal judge in Florida, who ruled against Mayorkas’ parole policy.

Another includes doubling the number of refugees allowed entry into the U.S. from the western hemisphere – “welcoming thousands of additional refugees per month” – through processing efficiencies and increasing resources and staffing to the U.S. Refugee Admissions Program.

The U.S. will continue to accept up to 30,000 individuals per month from Venezuela, Nicaragua, Cuba and Haiti, or 120,000 total, through its expanded parole policy.

To facilitate “access to lawful pathways” to foreign nationals to enter the U.S. bypassing immigration laws established by Congress, the federal government is opening regional processing centers for the first time in U.S. history outside of the United States.

The first processing centers will be opened in Colombia and Guatemala. Citizens of these countries can make an appointment on their phone to meet with an immigration specialist to help them be processed before they ever arrive to the U.S.

DHS is also dedicating $15 million to its Case Management Pilot Program to provide voluntary case management and other services to noncitizens to increase compliance with court dates and accelerate processing times to help them stay in the U.S.

The agencies also announced they were implementing enforcement measures, but since DHS has repeatedly been sued over the past three years for failing to enforce existing federal law, critics question the credibility of the claim.

Critics also argue the agencies are likely to be sued because the policies appear to directly conflict with laws established by Congress.

Army orders stand down of aviators for safety training

Army Chief of Staff James McConville on Friday ordered a nationwide aviation stand down for safety training, following Thursday’s midair helicopter collision near Healy, Alaska.

Three Fort Wainwright soldiers died in that collision between the two AH-64 Apache helicopters, and a fourth soldier is being treated at Fairbanks Memorial Hospital. The names of the deceased will be released Saturday, the Army said.

Aviators who are engaged in critical missions will continue flying, but all other Army aviators are grounded until they complete required training. Army National Guard and Reserve were given until May 31 to complete the training.

Thursday’s crash followed a March 29 crash of two Black Hawk helicopters in Kentucky near the Tennessee border that killed nine soldiers.

Two other soldiers were injured Feb. 5 when an Apache helicopter was involved in a rollover accident in Talkeetna. On Feb. 15, a Black Hawk helicopter from the Tennessee National Guard crashed in Alabama, killing two crew members who were on a training flight. 

In all, three military helicopter crashes have killed 14 soldiers in three months.

Sudden moves: Defined benefits bill voted from committee as soon as Bernadette Wilson is out of the way

As soon as the news hit that Americans for Prosperity Alaska State Director Bernadette Wilson had been let go from the nationally recognized grassroots group, the defined benefits expansion legislation, SB 88, which had been frozen in Senate Labor and Commerce, was moved from committee. It took less than one business day.

Wilson and her tribe of conservative volunteers across the state had made stopping that bill one of the centerpieces of their legislative efforts this year.

Wilson had just completed a print job with door hangers ready for volunteers to hit the neighborhoods and keep the pressure on. Last month she brought over 30 volunteers to the Capitol to press lawmakers to kill that legislation and to talk about other conservative priorities.

On the other side, unions like the AFL-CIO have been fighting to restore the costly defined benefits. SB 88 has 11 cosponsors in the Senate, but Wilson and her AFP volunteers were a force to contend with.

Friday that changed. No one knows why suddenly Americans for Prosperity decided to “part ways” with Wilson. Someone got to the group’s leadership, insiders said.

SB 88 now goes to the Senate Finance Committee, the last stop before being scheduled for a Senate floor vote. It appears to have the votes to pass from the Senate.

While it’s unlikely to pass both bodies this year, since the drop-dead date for the Legislature is May 17, the conservative firebrand who was fighting SB 88 is no longer a thorn in the side of the Legislature.

Proponents of the bill say it will help with recruitment and retention of state employees and teachers, but opponents say that all sectors of the economy are struggling to find workers, and there are endless ways to continue to up the ante, which would drive inflation and the cost of government.

Alaska’s previous defined benefit retirement system was abolished in 2006 and replaced with a defined contribution plan. But the state still has over $1 billion in owed payments on that defined benefits plan, 17 years after it was replaced.

Senate Bill 88 would restore a defined benefit plan for some new workers and allow existing employees to choose between the new defined benefit and the defined contribution plan.

Bronson makes small vetoes in Assembly budget add-ons

Anchorage Mayor Dave Bronson vetoed items from the Assembly’s budget amendments this week. The Assembly had added several items totaling about $3.6 million to the proposed $583.6 million municipal budget. The two vetoes are:

$50,000, ACDA, Municipal-wide housing study of short-term rentals

Explanation: The veto is because, per Anchorage Municipal Code 25.35.015, Anchorage Community Development Authority is independent and separate from the municipality and is not a department. ACDA cannot have direct appropriations from the municipal budget.

“While I support a municipal-wide housing study of short-term rentals this is not a legal appropriation and therefore I must veto,” Bronson said. 

$119,000, Community Development/Heritage Land Bank, “To hire a real estate consultant to protect the HLB interest in the Holtan Hills land development deal, if the development agreement is approved by the Assembly”

“While I support the efforts in advancing the Holtan Hills development agreement, the proposal to utilize funding from a position that is currently filled within the Mayor’s Office is putting an individual’s employment in jeopardy, I do not condone,” Bronson said.

Jim Minnery: Politics is weird, but Alaska gender politics is a whole new level of weird

By JIM MINNERY | ALASKA FAMILY COUNCIL

Republicans are good at getting elected to majorities in the State House and Senate. As far as organizing around common goals and strategies? Not so much.

It seems like there are always a few Republicans (you know who you are) who give Democrats in the minority power and when that happens, the agreement is “Let’s agree not talk about the ‘controversial’ social issues like abortion and the LGBTQIA+ agenda.” But that doesn’t always go as planned either.

Recently, HB 99, a bill to add “sexual orientation” and “gender identity” to the State’s anti-discrimination list, made it out of two House Committees with help from Republicans Justin Ruffridge from Soldotna and Jesse Sumner from Wasilla. Interestingly, those are the two most conservative leaning areas of the state.

Alaska Family Action has been opposing sexual orientation and gender identity laws for many years and for good reason. To make it very local, this bill is identical to an ordinance in Anchorage that led to the extended harassment of the Downtown Hope Center for the “crime” of not allowing a biological man to sleep in a shelter for abused women. This disastrous policy should not be imposed on the entire state.

In addition, sexual orientation and gender identity laws like HB 99:

  • Trample fundamental liberties and unnecessarily impinge individuals’ rights to live in ways consistent with their values.
  • Ban disagreement on LGBT issues by enforcing a sexual orthodoxy and treat reasonable actions as discriminatory.
  • Do not protect equality before the law; instead, they grant special privileges that are enforceable against private actors.
  • Threaten to punish individuals and businesses simply because they decline to engage in speech, or participate in events, that violate their religious beliefs or personal convictions. 

Similar laws have had disastrous consequences in other states and cities. Instead of ending discrimination, HB 99 will authorize and encourage discrimination to occur against religious institutions and other private citizens, based only on their decision to operate their businesses, schools, organizations and professional careers in a manner that is consistent with their consciences.

The State anti-discrimination law has long prohibited discrimination in housing (which includes rentals and sales), employment, and public accommodations on the basis of certain classifications (i.e. certain protected classes of people). The classifications are race, religion, color, national origin, age, sex, physical or mental disability, marital status, changes in marital status, pregnancy, or parenthood.  

All of the modern day extra classifications of “gender identity,” “gender expression,” and “sexual orientation,” are not included.

The fact that those latter classifications are not included in the statute is why the Alaska State Human Resources Commission has been declining to accept complaints regarding discrimination on the basis of those classifications. To be clear, that is the very reason why HB 99 has been introduced which is to add those classifications to the statute.

Although Sumner hasn’t justified his reason, Ruffridge has let some people, including this writer, know why he voted in support of HB 99. “Bizarrely,” Ruffridge states, “there have been some who claim this bill allows men to enter women’s restrooms. It does not do anything of the kind.”

Actually, the only bizarre thing is his claim that this bill won’t force establishments (public accommodations like restaurants, private offices, commercial and state buildings, schools both public and private when they host sporting events to make their bathrooms and locker rooms open to any and all persons without regard to biological gender.  

Not all bathrooms are public accommodations, but a whole heck of a lot of them are. Any restroom or locker room that is affiliated with a business that caters to the public (or to part of the public) or a public venue (think Alaska Club, or schools that host sporting events like basketball games, etc.) will be prohibited from discriminating (i.e., excluding) any male who identifies as a woman (the classification of gender identity) from entering and using a women’s rest room or locker room.

When Ruffridge says the “bill has absolutely nothing to do with bathrooms,” he is flat out wrong.

The law prohibits discrimination in “public accommodations” (See A.S. 18.80.230) on the basis of whatever the list of classifications are in the statute. A whole lot of bathrooms fit the bill as “public accommodations.” (see above). 

If amended as the current bill proposes, the statute would even prohibit placing a sign on a bathroom or locker room door that suggest some aren’t allowed to enter (think putting a sign on bathroom or locker room doors that say “Women” or “Men”).

When Ruffridge says HB 99 “has absolutely nothing to do with … the safety of women and children” he might want to take notice of the publicized cases from back east where young girls were attacked and raped in school bathrooms by so-called transgender students. 

He might also want to ask women how safe they feel having a guy with a penis who claims to be a woman undressing in front of them in a bathroom of locker room.

Ruffridge says that HB 99 does “NOT make LGBTQ individuals a protected class” and yet that is exactly what the law does. The following classifications are clearly and unambiguously added to the statute: “sexual orientation,” “gender identity,” “gender expression,” “sexual orientation.” 

Fortunately, HB 99 will likely not survive in House Judiciary, the next committee it’s been assigned to. But many questions will remain as to why Jesse Sumner and Justin Ruffridge parted ways with the majority of Alaskans in their districts. 

Jim Minnery is executive director of Alaska Family Council.

Too effective? Bernadette Wilson is out at Americans for Prosperity

Bernadette Wilson, lifelong Alaskan and well-known conservative political activist, has been fired by Americans for Prosperity, which hired her in September of 2021 as Alaska’s state director. She said she was not told why she was suddenly let go, and the change came as a surprise. But she’s taking it in stride. After all, there’s a lot of politics in politics.

“I was involved long before AFP, and I will be involved after AFP. That was just part of the chapter in the book. Conservatives should know I’m not going anywhere, and I’m not backing down. We are up against people who do not want to hear a conservative voice and we have got to keep going,” she said.

“I genuinely enjoyed the position and I have such admiration for the dozens upon dozens volunteers and other community leaders who have given so much of their precious time, not just to AFP, but to this conservative movement,” she said.

Wilson has been leading the charge against an increase of the defined benefits program for state workers, and has worked on education reform, health care reform through ending the certificate of need program, and on the direct primary care bill.

It appears that political forces were a factor in her termination, as she was seen as a rising star in AFP on the national level. AFP is a libertarian-focused organization with chapters in over 30 states.

Just weeks ago, she and dozens of Alaska grassroots activists flew to Juneau and talked to legislators about conservative priorities relevant in this legislative session. Wilson has held grassroots academy trainings across the state, attended by hundreds of conservatives, and some consider her as a possible candidate for governor at some point in the future.

“Ahead of us, we have a sales tax issue, and we need to keep pressure on the Legislature to get the budget under control, but we’ll just do it through a different avenue, and I will still be a part of this conservative movement and conversation,” she said.

Wilson owns her own company, Denali Disposal, and she will have time to focus on growing the business, and will be working on campaigns and for conservative causes, as she did long before AFP hired her.

Wilson got her start in politics on issues such as being the campaign director for the parental notification ballot initiative, which passed in 2010. She has since worked on dozens of campaigns, including Joe Miller for Senate, and most recently she and AFP’s campaign division backed Nick Begich for Congress.

AFP is a grassroots organization whose mission is to create change, and says on its website that its grassroots, policy, government affairs, communications, political, and education and training capabilities “make us the best organization to change the policy landscape in America.”

Passing: Christine Hutchison

Christine Hutchison, a conservative Republican activist on the Kenai Peninsula, unexpectedly died Thursday, April 27..

“Live every day, every minute, as if it were your last because one day you will lay down and not get up. RIP my friend. Christine Hutchison was a remarkable lady and today she was called home. You will be missed by all,” wrote former Rep. Ron Gillham.

She earned her bachelor’s degree from Montana State University Billings.

Before retiring, Hutchison worked at Hilcorp, where she was a senior field operations assistant. She also worked for Chevron and Unocal in similar positions.

She served on the Kenai Harbor Commission and was a Regional Representative for the Alaska Republican Party.

“With a bachelor’s degree in education, it came naturally for me to encourage people to become informed about government; however, the difficulty in getting Kenai people inspired enough to become involved confused me,” she wrote when she filed for Kenai City Council in 2016. She was concerned that the city council was not responsive to the needs of citizens, was not as business-friendly as she would like it to be. She also ran for borough Assembly in 2020.

During the Covid pandemic, she became concerned about medical freedom issues, and advocated for early treatment of Covid and the use of medications such as Ivermectin. She served on the steering committee for Convention Yes, which advocated for a constitutional convention in Alaska, and she had a keen interest in reforming the judicial system in the state, including keeping judges from interfering with grand juries.

This report will be updated when details are available.