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The Republican National Convention is in 4 days in Cleveland.

The Democratic National Convention is in 11 days in Philadelphia.

NASA has released the first picture of Jupiter taken since the Juno spacecraft went into orbit around the planet on July 4.

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The Senate is set to approve a bill intended to change the way police and health care workers treat people struggling with opioid addictions.

My husband and I once took great pleasure in preparing meals from scratch. We made pizza dough and sauce. We baked bread. We churned ice cream.

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"O Canada," the national anthem of our neighbors up north, comes in two official versions — English and French. They share a melody, but differ in meaning.

Let the record show: neither version of those lyrics contains the phrase "all lives matter."

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Police in Baton Rouge say they have arrested three people who stole guns with the goal of killing police officers. They are still looking for a fourth suspect in the alleged plot, NPR's Greg Allen reports.

"Police say the thefts were at a Baton Rouge pawn shop early Saturday morning," Greg says. "One person was arrested at the scene. Since then, two others have been arrested and six of the eight stolen handguns have been recovered. Police are still looking for one other man."

A 13-year-old boy is among those arrested, Greg says.

Copyright 2016 NPR. To see more, visit http://www.npr.org/.

After an international tribunal invalidated Beijing's claims to the South China Sea, Chinese authorities have declared in no uncertain terms that they will be ignoring the ruling.

The Philippines brought the case to the Permanent Court of Arbitration in The Hague, objecting to China's claims to maritime rights in the disputed waters. The tribunal agreed that China had no legal authority to claim the waters and was infringing on the sovereign rights of the Philippines.

Donald Trump is firing back at Supreme Court Justice Ruth Bader Ginsburg after she disparaged him in several media interviews. He tweeted late Tuesday that she "has embarrassed all" with her "very dumb political statements" about the candidate. Trump ended his tweet with "Her mind is shot - resign!":

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Consumer Bureau Targets Improper Floreclosures

Aug 13, 2012
Originally published on August 13, 2012 5:53 pm

Transcript

GREG ALLEN, BYLINE: Now Florida is among the states that were hardest-hit by the housing crisis, and foreclosures remain a big problem there and in several other parts of the country.

DAVID GREENE, HOST:

One thing the government has been struggling with is how to stop banks from foreclosing on people improperly. The government is also trying to figure out more quickly help homeowners who qualify for reduced interest rates.

A federal regulator has released new rules aimed at doing both, and NPR's Chris Arnold has more.

CHRIS ARNOLD, BYLINE: As you probably remember, after the financial crisis, Congress set up this new Consumer Financial Protection Bureau. It's potentially a very powerful new regulator, tasked with protecting the rights of average people.

Richard Cordray now heads up the CFPB. So he's the new top financial cop on the beat. And it's turning out that one of his top priorities is going to be taking on the nation's largest banks, who he says make mistakes that cost many Americans their homes.

RICHARD CORDRAY: The kind of shabby customer service and outright law-breaking by mortgage servicers that has been so thoroughly documented.

ARNOLD: Cordray was speaking there at an event back in April, when he first started outlining some of these new rules.

And Cordray is not new to this issue. As the state Treasurer in Ohio in 2007, he chaired a taskforce. And way back then, Cordray started documenting all kinds of problems that homeowners were running into trying to work with their banks to get lower interest rates to avoid foreclosures. And Cordray says those problems continue.

CORDRAY: Picture every bad customer service experience you've ever had: calls going unanswered, glacially slow processes, mistakes made and not fixed, a kaleidoscopic cast of characters who never seem to deal with you more than once, your paperwork submitted and lost repeatedly.

ARNOLD: Often, the banks that manage - or it's called servicing - people's loans, they don't actually own the loans. Some other investors do. So many analysts think that the banks don't have the right incentives to invest enough money to really fix these problems. And Cordray says he takes all this very seriously.

CORDRAY: We're talking about the largest single investment that people will make in their lifetimes, and a matter that goes far beyond a mere economic investment. We're talking specifically about people's homes.

ARNOLD: Now, of course, if somebody was reckless and bought way beyond their means, nobody's really trying to help them. But there are many families where, say, one spouse lost their job, but the other's working. And with a lower interest rate, the family could keep making their loan payments. That's often better for the family, of course, and it's also better for the investors who own mortgage securities, because when you prevent a foreclosure, they lose less money.

CORDRAY: Mortgage investors do not benefit from a broken system where servicers do not fulfill their obligations or make reasonable efforts to mitigate losses.

ARNOLD: One of the key changes that Cordray is now proposing is that banks would face a one-month deadline to make a decision after a homeowner has applied for help. Homeowners would also be able to appeal a rejection.

GARY KLEIN: The question is whether rules like this can make banks do the right thing.

ARNOLD: Gary Klein is an attorney who is suing the major banks on behalf of homeowners. He says the banks routinely already violate other rules that have been set up by other regulators.

KLEIN: Every bank in America has improperly denied loan modifications. So, in some ways, this proposal comes a little late. Many thousands of families have lost their houses when they should be in affordable mortgages.

ARNOLD: For their part, the banks deny that they foreclose on anybody improperly. They say that they've been working to improve their systems. And so far, they have helped nearly a million families stay in their homes through a federal foreclosure prevention program.

Chris Arnold, NPR News. Transcript provided by NPR, Copyright National Public Radio.