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Speaker Mike Johnson and Senate Minority Leader Mitch McConnell asked Vice President Kamala Harris in a rare joint statement to tone down her rhetoric in the lead-up to Election Day, days after Harris said she considered Donald Trump a fascist.

The two top Republicans accused Harris of fanning “the flames beneath a boiling cauldron of political animus” and said her words in recent days “seem to dare it to boil over.”

“She must abandon the base and irresponsible rhetoric that endangers both American lives and institutions,” Johnson and McConnell said in their statement. “We call on the Vice President to take these threats seriously, stop escalating the threat environment, and help ensure President Trump has the necessary resources to be protected from those threats.”

Their statement does not mention Trump’s recent rhetoric, in which he’s referred to Harris as a “fascist,” “marxist,” “communist” and “comrade.” The former president has also railed against “enemies within” and called for using government resources to prosecute domestic political opponents — such as California Democratic Rep. Adam Schiff and former Speaker Nancy Pelosi.

Johnson downplayed Trump’s comments on Sunday shows, insisting he was not talking about specific politicians and adding he “did not hear President Trump say he’s going to sic the military on Adam Schiff.”

Meanwhile, recently published excerpts of a biography of McConnell says that he bashed Trump as “stupid as well as being ill-tempered,” and a “despicable human being” in private following the events of Jan. 6. McConnell has since embraced Trump as the GOP nominee after the two had an icy relationship for years.

The Harris campaign did not immediately respond to requests for comment.

At a CNN town hall this week, Harris was asked if she considered Trump a fascist and responded: “Yes, I do.” That comment came after Trump’s former chief of staff, John Kelly, told The New York Times that the former president met the definition of a fascist.

Harris also slammed Trump in remarks this week for, according to Kelly, reportedly saying in private that Adolf “Hitler did some good things.”

“It is deeply troubling and incredibly dangerous that Donald Trump would invoke Adolf Hitler, the man who is responsible for the deaths of 6 million Jews, and hundreds of thousands of Americans,” she said.

The vice president has made Trump’s authoritarian tendencies and his role in stoking the Jan. 6 attack on the Capitol a key focus of her campaign message in the final weeks. She’s due to deliver her “closing argument” for the election during Tuesday remarks at the Ellipse, the location where Trump called on his supporters to march on Congress ahead of the violent attempted insurrection.

Senate Finance Chair Ron Wyden (D-Ore.) and Rep. Jamie Raskin (D-Md.), the House Oversight panel’s top Democrat, asked Attorney General Merrick Garland to appoint a special counsel to investigate former President Donald Trump’s son-in-law, Jared Kushner.

The two senior Democrats sent a letter on Thursday to Garland, urging the Justice Department to appoint a special counsel to investigate if Kushner had violated the Foreign Agents Registration Act. They point, among other things, to Saudi government-linked investors for his firm and reports that Kushner is playing an informal advisory role to Trump’s campaign.

The letter comes after Wyden also sent a letter last month to Kushner’s investment firm, asking for details on its funding from foreign sources, as part of an ongoing congressional investigation. Wyden announced in June that he was launching a new investigation into Kushner’s firm.

“The scale of these undisclosed foreign payments to Mr. Kushner coupled with the national security implications of his apparent ongoing efforts to sell political influence to the highest foreign bidder are unprecedented and demand action from DOJ,” they wrote in the letter to Garland. “We therefore urge you to appoint a Special Counsel to investigate whether Mr. Kushner is influencing U.S. domestic and foreign policy on behalf of foreign government clients without making the appropriate mandatory disclosures.”

The Justice Department confirmed receipt of the letter but otherwise declined to comment.

A spokesperson for Kushner said in a statement: “This is a desperate attempt by partisan Democrats to manufacture an issue where none exists 12 days before an election.”

“Jared runs an SEC registered fund that abides by all laws and regulations,” the spokesperson added.

Sen. Mike Lee is calling on candidates running for Senate GOP leadership to weigh in on Mitch McConnell’s recent remarks against Donald Trump, which included him referring to the former president as a “sleazeball,” “narcissist” and “stupid as well as being ill-tempered.”

“Those running for Senate GOP leadership posts need to weigh in on this & commit never to sabotage Republican candidates & colleagues — particularly those who are less than two weeks away from a close election,” Lee (R-Utah) wrote in a series of posts on X.

Lee called McConnell’s criticism of Trump, as well as Sen. Rick Scott (R-Fla.), “indefensible.” He was referring to remarks McConnell made in a new sweeping biography, out later this month. It’s not the first time the GOP leader has criticized the former president, who he is nevertheless supporting as the party’s nominee in November. But it is some of his most scathing commentary to date.

Meanwhile, McConnell criticized Scott’s tenure as chair of the Senate GOP campaign arm, saying he did a “poor job of running” it. McConnell isn’t the only Senate Republican who has complained about Scott’s handling of the National Republican Senatorial Committee.

Scott and McConnell have repeatedly found themselves at odds: The Floridian unsuccessfully challenged McConnell for the top GOP leadership spot in 2022 and is running again, this time against GOP Whip John Thune (S.D.) and Sen. John Cornyn (Texas), a former whip. Scott’s bid is viewed on the Hill as the most unlikely of the three to succeed, though he has some supporters, including Lee.

Scott, in a statement on Thursday, said that he was “shocked that [McConnell] would attack a fellow Republican senator and the Republican nominee for president just two weeks out from an election.”

As for Lee, the Utah Republican hasn’t shied away from criticizing leadership during his time in the Senate. And while he isn’t running for the top leadership spot, he has been one of the most outspoken proponents for overhauling the conference’s rules and decentralizing power throughout the conference.

That has put him at odds with other GOP senators, like Thom Tillis (R-N.C.), who have warned that the conservative-favored proposals would handicap their next leader.

Candidates: Democratic Rep. Mary Peltola, Republican Nick Begich, Democrat Eric Hafner and Alaska Independence Party candidate John Wayne Howe

Ad spending since Labor Day: $15.7 million for Democrats, $11.9 million for Republicans

Past results: Peltola won the special election to succeed the late Republican Rep. Don Young in August 2022, and then was elected to a full term later that year. She prevailed over former Republican Gov. Sarah Palin, 55 percent to 45 percent, in the final round of ranked choice voting.

2020 presidential result: Former President Donald Trump defeated President Joe Biden by 10 points.

Cook Political Report rating: Toss-up

Some background: Alaska is just one of two states nationwide that currently use ranked choice voting, in which voters rank candidates in order of preference instead of just picking one. If no candidate receives a majority of first-place votes, the remaining ballots are reallocated from the lowest-performing finishers to second or third choices until one hopeful secures more than half the vote.

That system was first enacted in the state in 2022, when Peltola became the first Democrat to represent Alaska in the House in decades. Ranked choice voting has become a favorite of election reformers looking for ways to boost less extreme office-seekers, though some Republicans blamed the system for their loss in the midterms. Specifically, they highlighted that there were two Republicans (Palin and Begich, who came in third) on the Alaska ballot that year, which they argued led to Republicans splitting their votes.

To avoid that scenario, national Republicans rallied behind one candidate — Lt. Gov. Nancy Dahlstrom — ahead of the primary. Begich, who is running again after losing in the midterms, vowed to drop out of the race if he came in behind Dahlstrom in the top-four primary, but she made no such commitment. Begich ended up finishing ahead of her, and the lieutenant governor ultimately dropped out with Republicans rallying behind Begich.

The GOP now has its preferred scenario: One Republican on the ballot, two Democrats and a third-party candidate. Democrats unsuccessfully tried to get Hafner, the other Democrat, off the ballot, pointing to the fact that he is from New Jersey and is serving a decades-long sentence in federal prison.

The state of play: Polling is sparse in this race. A recent internal survey conducted for Begich and the National Republican Campaign Committee shows Begich with a lead over Peltola in all rounds of ranked choice voting. Outside groups on both sides of the aisle are spending heavily in the race.

Why you should care: Peltola is just one of five House Democrats in a seat that Trump won in 2020. Republicans see it as one of their best pickup opportunities to grow their slim majority in the House.

It also could be one of the last elections with ranked choice voting in Alaska, as a measure is on the ballot this year to repeal the system.

The candidates: When Peltola was first elected in 2022, she became the first Alaska Native elected to Congress, as well as the first woman elected to represent the state in the House. Prior to Congress, she was a state legislator and executive director of the Kuskokwim River Inter-Tribal Fish Commission.

Begich is a businessperson. His family is well-known in Alaska politics; Begich’s grandfather was the last Democrat before Peltola to represent the state in the House.

The issues: Like in her previous campaigns, Peltola is running on a message of “fish, family and freedom.” She has touted her support of the Willow Project — including pressuring Biden to back it — and the jobs that come along with it. Peltola and her allies have also attacked Begich for his time running businesses, including “shipping Alaska jobs overseas.”

Begich and his allies have emphasized his business background, and have sought to tie Peltola to Biden, specifically her comments saying his “mental acuity is very, very on.” They have also accused her of not supporting veterans, who make up a significant share of the population in the state. Additionally, Begich’s supporters are encouraging voters to not rank Peltola on the ballot — an acknowledgement of the ranked choice voting system.

Every day POLITICO will highlight one race to watch. Yesterday’s: Nebraska Senate.

House Republicans are headed for several fights over their committee leadership ranks next year, with critical implications for policy priorities and the next president.

Some positions, like on the Judiciary Committee, could open up if the top Republicans choose to climb the leadership ladder in the next Congress. Others want to defy Republicans’ six-year term limits, hoping to continue cementing their legacy atop their preferred panels. Still others are retiring, paving the way for new leadership.

These roles will be critical in the 119th Congress regardless of who wins the presidency. If former President Donald Trump wins a second term, committee chairs will be tasked with turning his campaign rhetoric into legislative action. If Vice President Kamala Harris wins, GOP chairs will serve as a major check on executive actions and are sure to conduct rigorous oversight of her administration.

The size of the GOP majority, should the party keep control in November, will play a critical role in how some jockeying will play out. If it’s a narrow margin again, as expected, Speaker Mike Johnson may have to use the positions as bargaining chips to keep conservatives behind him when he makes another bid for the speakership. On a few panels, including the Intelligence and Rules Committees, the speaker has unilateral authority to appoint the chair.

For most other panels, the influential Steering Committee recommends which lawmakers will lead. That panel’s composition could look quite different next Congress, as a handful of members face potentially competitive reelection bids and others plan to leave Congress.

Things are generally calmer for Democrats — who heed to seniority and don’t use term limits — if they instead regain the majority. None of their current committee leaders are retiring or departing Congress, though Agriculture Committee ranking member David Scott (D-Ga.) has dealt with questions about his ability to lead that panel.

Three prominent GOP committee chairs on the Rules, Energy and Commerce, and Financial Services Committees aren’t coming back to Congress, promising to create a series of fierce battles to succeed them. Term limits also affect multiple committees, including Foreign Affairs, Education and the Workforce, and Transportation.

Here’s a look at the jockeying going on behind the scenes:

Rules Committee

Republicans will have a vacancy atop the Rules Committee come January, with current Chair Michael Burgess (R-Texas) set to retire. Rep. Guy Reschenthaler (R-Pa.) is viewed as a contender for that spot, but he’s also chief deputy whip.

Unlike most committees, filling the panel’s top spot if Republicans win the majority is decided by one person: the speaker. Republicans are bracing for a potential leadership shakeup, though Johnson has a shot at holding onto the gavel if his party stays in control. Whoever ultimately emerges as the winner will want to stick their own ally in the top spot.

Some House Republicans also want to overhaul the makeup of the Rules Committee. It’s typically loaded up with leadership allies, since the panel sets the terms of debate for major bills on the floor. But it became a sizeable pothole for leadership’s agenda in this Congress after then-Speaker Kevin McCarthy cut a deal to give hardliners three seats on the panel.

There’s a push among some centrists and leadership allies to remove two of its members in particular — Reps. Ralph Norman (R-S.C.) and Chip Roy (R-Texas) — next Congress.

Ranking member Jim McGovern is expected to take over if Democrats win the House majority.

— Jordain Carney

Judiciary Committee

Ohio Rep. Jim Jordan is running for another term as the top Republican on the Judiciary Committee — and has a lock on the job if that is the perch he wants next Congress.

But House Republicans widely believe that Jordan is angling for a position in leadership. Though he has repeatedly vowed he won’t challenge Johnson for the gavel, GOP lawmakers and leadership aides are anticipating a Jordan vs. Majority Leader Steve Scalise battle for the GOP’s top spot if the party loses the majority.

Jordan, in a recent interview, sidestepped a question about whether he would jump into a minority leader race, adding: “We’re going to be in the majority. I ain’t running for anything except chairman of the Judiciary Committee.”

If Jordan makes a successful jump, it would open up a coveted influential committee spot that is typically home to some of the House’s most partisan battles. Rep. Darrell Issa (R-Calif.) is next in line and could be poised to move up.

If Democrats flip the chamber, 77-year-old Rep. Jerry Nadler (D-N.Y.) is expected to get the gavel, though the move could spark grumbling from some Democrats about his age.

— Jordain Carney

Foreign Affairs Committee

House Foreign Affairs Chair Michael McCaul is term-limited from the top GOP spot on the committee but is making a longshot bid for a waiver.

The Texas Republican is arguing his extensive relationships warrant the extension, given the tenuous time on the world scene, and he’s making the case that he could be a critical ally for Trump if he wins in November.

But McCaul will have an uphill fight to convince party leadership that he should get another two years. House Republicans rarely grant waivers for committee chairs to stay on past their six-year term limits, though they gave one to Rep. Virginia Foxx to continue leading the Education and Workforce panel this Congress.

Vice Chair Ann Wagner (R-Mo.), Middle East Subcommittee Chair Joe Wilson (R-S.C.), and Issa are all reportedly vying for the job.

Issa, a former business executive, is known for his aggressive approach leading the House Oversight and Government Reform Committee against the Obama administration, while Wilson is known as a genial centrist with military experience. What’s unclear is whether Wilson’s role as co-chair of the Ukraine Caucus will prove a liability given Republican divisions over continued aid for Kyiv.

“We are in a global conflict we did not choose. I am running to unite Republicans to confront the profound challenges and opportunities we face today,” Wilson said in a statement.

If Democrats gain control of the House, ranking member Gregory Meeks (D-N.Y.) would become the chair. A Biden administration ally, Meeks has also emerged as a surrogate for the Harris campaign and is expected to aid her foreign policy agenda.

— Joe Gould and Connor O’Brien

Transportation Committee

House Transportation Chair Sam Graves (R-Mo.) is seeking a waiver from his party’s conference rules to serve another term. It’s a bid that would allow him to write the next bill reauthorizing programs for the nation’s highways, transit and bridges — and a chance to redirect spending away from choices made in President Joe Biden’s landmark 2021 infrastructure law.

Though he’s respected and has a deep well of knowledge on the topic, Graves’ gambit doesn’t appear likely to succeed, in part because the conference wants to make room for younger members to be able to ascend into the top panel spots. However, in a recent interview, Graves said leadership has been open to his pitch.

Still, there’s a serious potential successor who has been making the case for months that he should be the next chair: Rep. Rick Crawford (R-Ark.), who leads the Highways and Transit Subcommittee. Crawford announced his run in March and has been campaigning since.

“I’m doing everything that I think an aspiring chairman ought to try to do to achieve that position and I’ll just leave it right there,” Crawford said in a recent interview.

Washington Rep. Rick Larsen is the top Democrat on the panel.

— Chris Marquette

Education and the Workforce Committee

A veteran lawmaker and relative newcomer have found themselves in an unusually competitive race to succeed Foxx as the top Republican on the House Education and the Workforce Committee.

Rep. Tim Walberg, dean of the Michigan delegation, and Rep. Burgess Owens, a two-term Utah Republican, could reshape the panel’s priorities in different ways.

Walberg, a former steelworker, said he would focus on connecting education to jobs, including boosting apprenticeships and reauthorizing a law that governs workforce development programs. Owens, who chairs the panel’s higher education subcommittee, said he would prioritize education issues such as school choice and reevaluate how the Education Department uses its money.

Virginia Rep. Bobby Scott, the top Democrat on the committee, is likely to hold onto his spot.

— Mackenzie Wilkes

Permanent Select Committee on Intelligence

Rep. Mike Turner’s (R-Ohio) bid to lead the House Intelligence Committee for a second term could get rocky if Republicans keep the majority.

Many conservatives in the House Freedom Caucus are looking to eject Turner, smarting after multiple clashes on various policy fights including government surveillance and the Ohio Republican’s warnings about Russia launching a nuclear weapon into orbit.

Since the panel is a select committee, the speaker unilaterally picks who leads it. Still, conservatives could seek to force his hand in January by withholding their support as the Louisiana Republican similarly seeks the speaker’s gavel again. Turner, however, has developed a positive working relationship with Rep. Scott Perry (R-Pa.), a former chair of the House Freedom Caucus and a new member on the committee — he endorsed Perry in his close House race. That relationship could potentially help defuse the situation for Turner.

Rep. Jim Himes (D-Conn.) is the ranking member of the panel, and could easily ascend to chair if the majority flips.

— Olivia Beavers

Energy and Commerce Committee

Reps. Brett Guthrie (R-Ky.) and Bob Latta (R-Ohio), who chair the Health and Technology subcommittees of the panel, respectively, have been fighting to replace Chair Cathy McMorris Rodgers (R-Wash.), who is not seeking reelection.

Rep. Richard Hudson (R-N.C.), who leads the National Republican Congressional Committee, is also weighing a run to lead the panel with sprawling jurisdiction over topics as varied as energy, health care, technology, consumer protection and climate change.

A clear leader has not emerged from the race, though some insiders have said Guthrie might have an edge given his affability and popularity among Republicans. Latta has the seniority advantage, though. The jockeying for the seat began soon after Rodgers said she wasn’t running for reelection.

New Jersey’s Frank Pallone will likely become chair if Democrats gain a House majority.

— Ben Leonard

Financial Services Committee

The looming retirement of House Financial Services Chair Patrick McHenry (R-N.C.) has triggered a four-way race for the top GOP slot on the committee that oversees Wall Street, the Federal Reserve and cryptocurrency.

Reps. Andy Barr of Kentucky, French Hill of Arkansas, Bill Huizenga of Michigan and Frank Lucas of Oklahoma are vying to replace the North Carolina Republican. Barr and Hill are seen as the front-runners, though all four have served on the committee for years. Lucas is the most senior.

The race is highlighting tensions between pro-business Republicans and the party’s populists. It’s a clash that McHenry — a relative moderate in today’s GOP — has kept at bay. All four are expected to try to sustain the committee as a bastion of free-market capitalism and lighter regulation, even as Trump and running mate Sen. JD Vance (R-Ohio) signal a greater willingness to have the government intervene in certain aspects of finance.

“My three friends and I share faith in the market economy,” Lucas said in an interview. “And we don’t want to encumber the financial services industry in this country.”

Barr, who has framed his pitch around appealing to both wings of the GOP, said, “There’s no need to bash one part of it and bash the other. … They’re all right.”

— Eleanor Mueller

Agriculture Committee

The Agriculture Committee is the rare exception that’s seeing more drama on the Democratic side than the Republican one. If the GOP wins, Republicans expect current Chair G.T. Thompson (R-Pa.) to maintain his position as top Republican on the panel.

But across the aisle, House Agriculture ranking member David Scott (D-Ga.), has faced multiple attempts from within his own party to oust him from his role as lead Democrat on the panel over concerns about his diminishing leadership capacity. His critics are likely to launch a renewed push to sideline him post-election.

Rank-and-file Democrats on the committee were surprised the 79-year-old chose to run for reelection this year and privately pushed for Rep. Bennie Thompson (D-Miss.) or another Democrat to take over in the committee’s farm bill talks this summer. Those Democratic lawmakers also support replacing Scott as the top member of their party on the panel.

House Minority Leader Hakeem Jeffries made the rare move earlier this year of tapping Thompson to lead an agriculture task force and gather feedback on farm bill priorities — a role the committee’s top Democrat would typically fulfill.

Jeffries hasn’t ruled out asking Scott to step down from his committee job after the election. But he has avoided officially weighing in on the talks and isn’t likely to do so until after the election, when he and other Democratic leaders in the House are poised to assign key committee roles in 2025.

— Grace Yarrow and Meredith Lee Hill

Rohit Chopra doesn’t get a lot of praise from Republicans.

The consumer finance watchdog, confirmed three years ago on a party-line vote, has spent his time in office cracking down on banks and tech companies alike, moves often touted by the White House as they aim to show how they’re sticking up for average Americans. GOP lawmakers in turn say the hard-charging Chopra is hyper-partisan.

But this week, he finalized rules that would give consumers more control over how and when their financial data is used, earning plaudits from the Republican chair of the House Financial Services Committee, Patrick McHenry, who called it “a promising step forward to protect Americans’ financial data privacy.”

Something like this won’t get much attention just two weeks out from a presidential election that has sucked up all of the oxygen in Washington.

But the regulation could end up being the most consequential piece of Chopra’s legacy, in part because it’s less likely to be reversed if the White House — and therefore his agency, the Consumer Financial Protection Bureau — switches from blue to red.

It’s also a new chapter for the young bureau, which Republicans have lambasted since its creation, as it takes a path (well-trodden elsewhere in Washington) to more durable rulemaking: getting buy-in from at least some private sector actors.

The new data guardrails could lead to longer-term structural changes in the financial system by shifting some power away from big banks and toward upstart competitors that are looking to provide many of the same services, like lending and payments. Those tech-fueled competitors have attracted significant sympathy from lawmakers on the right.

The asterisk is that the rule still must survive a legal challenge from the banking industry.

“Certainly, very few large incumbents want to face more competition,” Chopra told me in an interview this week. “That’s true in banking. That’s true in every sector.”

“But that’s exactly what Congress wanted to see is more competition rather than less,” he said.

The legal basis for the data rule is as old as the CFPB itself, an agency best known as the brainchild of Sen. Elizabeth Warren (D-Mass.). But the push for formal rules ensuring consumers are the ultimate authority on what happens to their financial information has intensified in recent years, as banks and other firms have tussled behind the scenes about access to data.

If there’s one thing the reaction to this rule demonstrates, it’s that the politics around the financial industry have shifted with the rise of technology companies that Republicans like McHenry welcome as competitors to incumbent banks.

But another, more important takeaway is that there are many holes in the rules around data privacy that only Congress can fill, and they can’t put it off forever.

“This is progress for American innovation and consumers, but we can’t stop here,” McHenry said in reaction to the rule. “Congress must build on the bipartisan consensus regarding financial data privacy.”

Chopra and his agency appear to be benefiting from widely shared frustration with all that uncertainty — one of a few things that might bring Warren allies and McHenry sympathizers together. If you look at the current state of privacy rules, you can see why.

The existing system operates through a lot of ad hoc arrangements. When you use an app that needs access to your bank account information — whether because you’re applying for a mortgage, looking to improve your budgeting or hoping to pay your friend for that evening’s bar tab — they get that info through one of two ways.

In one version, you log in to your bank inside of the app, which then uses a middleman (a data aggregator) to “screen scrape” the data from your account, with the ability to see everything that you can see when you log into your bank. In another, you are redirected to your bank’s website, where you’re essentially telling the bank to send certain fields of data to the app, known as APIs.

Standardized APIs are an industry-wide goal, but right now they require extensive negotiations among the parties involved, and banks are motivated to provide as little information as possible, especially to competitors. Screen scraping, meanwhile, leaves consumers vulnerable to firms having way more access to their information, for much longer, than they really wanted.

The new regulation tries to improve up the status quo both by requiring banks to transfer financial data to other companies if the customer asks them to, and also by restricting firms facilitating that data transfer from using the information for other purposes (like, say, aggregating the informationand selling it).

Chopra markets the rule as making it much easier to “vote with your feet” and change banks if you want to, giving consumers more ability to compare pricing and rates.

And, he says, it could help people borrow money even without a credit history, if lenders get a sense of their cash flow.

He’s tapping into arguments that appeal broadly (giving disadvantaged people more access to the financial system), to progressives (protection of consumers through regulation), and to free-market conservatives (making it easier for other firms to compete with larger existing companies).

Under the rule, companies that access a person’s data can’t use it for targeted advertising, consumers must reauthorize access to their data every year, and they have the right to revoke access at any time.

Some of these provisions could serve as a blueprint for a broader update to data privacy standards, something that has been a topic of interest in Congress for years but has largely languished.

“It only governs consumer-permissioned data from a bank account or credit account,” Chi Chi Wu, a senior attorney at the National Consumer Law Center, said of the CFPB rule. “The guardrails that have been established are very good guardrails and hopefully will serve as a model for other privacy issues.”

Banks don’t agree. They’re warning that this whole arrangement could cause more fraud and scams by giving them little recourse if a consumer tells them to send data to an unreliable third party. They also fear that they’ll be on the hook for making customers whole when that happens.

“By mandating banks must hand over sensitive customer account data to any third party that got someone to click ‘I accept’ on their app, this rule handcuffs banks’ ability to demand high security standards from third parties,” JPMorgan Chase spokesperson Trish Wexler said in a statement.

The Bank Policy Institute and Kentucky Bankers Association filed a lawsuit the same day the rule was released.

If it withstands that challenge — or if a push to enshrine elements of it into law succeeds — a major effect of the rule will be to shift the distribution of power within the industry. Now everyone, from banks to Apple Pay, has to deal with each other if a customer tells them to — one reason data aggregators have welcomed the CFPB’s move, even though it has brought additional scrutiny of their handling of information.

In our conversation, Chopra touted the rule as being aligned with industry trends.

“This really doesn’t create a new framework from scratch. It builds on what has already been successful in the marketplace,” he told me. “That’s part of the reason I think you’re seeing broad support.”

Candidates: Sen. Deb Fischer (R) vs. former union leader Dan Osborn (I)

Ad spending since Labor Day: $13.88 million from Republicans, $18.99 million in support of Osborn

Past results: Fischer beat Democratic candidate Jane Raybould by nearly 20 percentage points.

2020 presidential result: Donald Trump beat Joe Biden 58.5 percent to 39.4 percent

Cook Political Report rating: Lean R

Some background: Fischer’s race wasn’t on many campaign experts’ radars in the larger battle for the Senate. But it has turned into one of most closely watched races in the final weeks of the 2024 campaign.

Fischer is running for her third term after winning easily in 2018, and the state’s Senate delegation has been dominated by Republicans for more than a decade. But outside money is pouring into the state to bolster Osborn, who is trying to appeal to a broad coalition of voters and has pledged he won’t caucus with either party if elected.

The state of play: There’s been a notable lack of outside polling in the race, despite sizable national attention in recent months, making it hard to get a good read on who’s actually ahead.

Fischer is describing Osborn, a registered nonpartisan voter, as a “Democrat in disguise.” Former President Donald Trump, who is expected to win most of Nebraska’s electoral college votes, recently cut an ad criticizing Osborn.

But Osborn’s internal polls have shown him constantly with a narrow lead, and Fischer has acknowledged that the race has tightened. National Republicans have stepped up their outside spending, saying they are confident Fischer will be able to hold onto her seat as they try to close the fundraising gap. Fischer’s own internal polling has her with a slight lead.

Why you should care: If Osborn pulls out a win, it has ramifications for the larger Senate map. Republicans need a net of two pickups to have an outright majority, so an Osborn win would provide an additional hurdle.

An Osborn victory could also have larger implications for how to run for federal office in a state typically dominated by one party. And Republicans know the money they are putting into Nebraska right now is miniscule compared to the amount they will have to spend in six years if Osborn wins.

The candidates: Osborn, a steamfitter and Navy veteran, has not previously run for political office. He first gained national attention for leading a strike against Kellogg’s in 2021.

Fischer has served in the Senate since 2013, and is poised to lead the Senate Rules Committee if Republicans flip the chamber. Before joining the Senate, she was a member of the Nebraska Legislature.

The issues: Fischer and Osborn won’t have a face-to-face debate before the election. (Osborn has made that an issue, including showing up at events in Nebraska with signs questioning why Fischer won’t debate him.)

Fischer, meanwhile, is putting her work in the Senate at the center of her reelection campaign, arguing that Osborn is out of step with Nebraska on issues like immigration.

Osborn has tried to avoid being boxed in with either party, instead trying to tap into a populist frustration with Washington that his supporters are hoping will allow him to flip Trump voters in the red state.

Every day POLITICO will highlight one race to watch. Yesterday’s: Nebraska’s 2nd District.

Candidates: Rep. Don Bacon (R) vs. state Sen. Tony Vargas (D)

Ad spending since Labor Day: $10.6 million for Democrats, $11.7 million for GOP

Past results: Bacon and Vargas first ran against each other in 2022, with Bacon pulling out a win by less than 3 percentage points.

2020 presidential result: 52.2 percent for Biden, 45.8 percent for Trump

Cook Political Report rating: Toss-up

Some background: Nebraska’s 2nd District is the state’s lone competitive House race. Republicans lead Democrats in voter registration by roughly 13,000 votes, but there’s also a significant number of nonpartisan voters (103,707) in the district. And the Omaha-area seat has a history of ticket-splitting between the presidential election and down ballot, with Bacon knowing he’ll need to pick up Harris voters to win.

The state of play: A spate of recent polling has shown Vargas with a small lead, feeding Democratic hopes. But Republicans still believe Bacon could eke out a win as GOP voters come home in the final weeks — and a steady stream of members of House leadership have come to Omaha to stump with Bacon.

Why you should care: Democrats have long coveted Bacon’s seat and believe they have their best shot to flip it after cycles of near-misses. And underscoring its importance to the larger House map, during a recent swing through the state, Minority Leader Hakeem Jeffries said the district “could very well determine” if Democrats are able to win back control of the House.

Bacon is also one of 17 House Republicans running for reelection in districts won by Biden in 2020, seats that will prove a key measure of how much separation down-ballot races can continue to have from the presidential race.

The candidates: Bacon was first elected to the House in 2016, when Trump also won his district. Since joining the House, he led the small-business minded Main Street Caucus, and has emerged as an outspoken critic of the Freedom Caucus and right flank of the conference. He’s also leaned heavily into his military background and work on the Armed Services Committee.

Vargas, meanwhile, was first elected to the state Legislature in 2016 — Nebraska’s state Legislature is unique because it is a nonpartisan, unicameral body. He was also previously a public school teacher.

The issues: Because Nebraska is only one of two states that splits its Electoral College votes, the battle for the 2nd District’s Electoral College vote is bleeding over into the House race. Bacon has lamented that Trump is being badly outspent by Democrats and Harris in the district, which he worries will increase down-ballot drag.

Beyond the impact of the presidential election, Bacon and Vargas have been sparing over abortion — an issue on which Nebraska has two competing referendums on the ballot — the border and immigration, and trying to sell themselves as the real bipartisan dealmaker in the race.

Every day POLITICO will highlight one race to watch. Yesterday’s: California’s 22nd District.

House Republicans are gearing up for an intra-party war early next year over the ability to defenestrate a speaker. While the majority of Republicans despise the tool, which has single-handedly caused repeated chaos this Congress, a number of conservatives are prepared to fight to keep it.

Speaker Mike Johnson and other leadership allies have openly signaled that they want to raise the number of members required to force a vote on deposing a speaker; currently, a single lawmaker can call for a referendum. But that fight is inextricably tied to Johnson’s ambitions to remain speaker — the members who want to see the rule to remain as it is are some of the same ones who haven’t committed to supporting his bid for the gavel, and they’re not afraid to leverage that power.

It’s not hard to see why most Republicans want to change the rule. The so-called motion to vacate allows a small faction of lawmakers to highly influence the agenda and strips power from leadership. Johnson himself has publicly said that the tool has “harmed this office and our House majority.”

Right now, there are enough conservatives who oppose changes to block any adjustments to the status quo. In interviews with POLITICO, five Republicans said they believe that group is big enough that it would also be highly difficult to change the rule next year. One GOP lawmaker said there are at least eight members who will automatically oppose any adjustments.

Of course, House Republicans have to keep control if they want to set the rules — but if they succeed in November, it all sets the stage for a huge fight in the coming months. The debate would not only influence whether Johnson could be speaker in the next Congress, but also leadership’s power to shape the conference’s agenda over the wishes of frequently rebellious hardliners. In short, if Johnson or other leaders can’t overcome the right flank’s red line, they’re set for another potentially chaotic Congress.

Members of the ultra-conservative House Freedom Caucus, as well as some hardliners outside of the group, are having private discussions about what they want to see in the rules package next year. That includes keeping the current ouster rule at the same threshold.

“I think it’s going to be very difficult to change,” Rep. Chip Roy (R-Texas) said. “I think we’re just going to have to just move forward.”

Another Freedom Caucus member, granted anonymity to speak candidly, was more direct: “If they are going to go back to the way things were pre-McCarthy, then I don’t care who the speaker is, they will have that same fight.” That’s a reference to the 15 rounds of ballots it took former Speaker Kevin McCarthy to secure the gavel.

Meanwhile, a larger segment of the conference wants the rule overhauled. Republicans in and out of leadership are calling for a hard reset on the power dynamics that have plagued their conference since January 2023, when they believe McCarthy bent too far to his right flank. The vast majority of House Republicans see another extended speakership brawl, like the three-week episode triggered by McCarthy’s ouster, as a nightmare scenario.

Still, reality favors the hardliners here. Johnson has a basic math problem — he only has a three-vote margin, so he doesn’t currently have the votes within his own conference to raise the ouster threshold. His best chance is growing his majority significantly in November, which could be a tall order. Democrats will vote in unified opposition to a GOP rules package in January, meaning Johnson can only depend on Republican votes.

“It depends on how big the majority is,” Rep. Morgan Griffith (R-Va.), who has his own ideas about how to change the motion to vacate rule, said about leadership’s chances of successfully batting down hardliners.

He added of rules and leadership battles generally: “If we have a majority of 15 … there’s not going to be any successful fights.”

Private discussions about rule changes go beyond the motion to vacate. While conservatives have their own conversations behind the scenes about how to further empower rank-and-file members, centrists and leaders are gaming out their own plans with an eye towards limiting potential chaos in the next Congress.

Conservatives, for their part, want to place new limits on what bills can pass under the higher two-thirds suspension threshold, a tool that GOP leadership has used several times this Congress to leapfrog holdouts and rely on Democratic help, particularly to pass spending bills.

Meanwhile, a group of centrists has been discussing their own rules ideas — including the formation of a formal working group that was first reported by POLITICO. Those proposals include setting repercussions for members who vote against bringing a GOP bill to the floor, a tactic conservatives used against both McCarthy and Johnson to repeatedly sink leadership priorities.

Republicans, including members of leadership, are separately discussing raising the threshold for a so-called discharge petition, a procedural mechanism that can force floor action on a bill if it reaches 218 signatures, regardless of leadership objections.

Still, it’s the rules regarding ousting a speaker that would likely grab the most attention in the GOP’s potential rules fight. And everyone is already seemingly dug in.

Republicans can set a higher ouster threshold as part of their own internal conference rules debate in November — like they did after the 2022 election. But that’s just the opening act; the House’s rules aren’t official unless they’re adopted by a full chamber vote in January. Last time, conservatives refused to vote for McCarthy until he made several of their demanded changes to the rules, including lowering the speaker-ousting threshold to one member, which were ultimately adopted.

“I agreed with what we did in conference,” said Rep. David Joyce (R-Ohio). “There has to be a better standard than just having a couple of renegades joining with the other side.”

Rep. Don Bacon (R-Neb.), another centrist, has floated that leadership should make a deal with Democrats, asking the other party to help raise the motion-to-vacate threshold in exchange for giving them more seats on committees.

“I would make the deal and put that thing behind me,” Bacon said. “But I got huge push back: ‘You can’t make a deal with Democrats.’”

Conservative Rep. Ralph Norman (R-S.C.) said in a brief interview that he does not support raising the threshold, adding “there’s a group of us,” mainly within the Freedom Caucus, that are already looking at the ouster rule and others “pretty carefully.” Asked if he thinks the threshold will change come January, he replied: “I don’t think it will.”

Further complicating matters for Johnson and other leaders: A broader group of Republicans would like to see changes to the motion to vacate, but not to the fact that just one member can force the vote.

Griffith, for example, floated what he described as a “hybrid” model: Keeping the current ability for any one member to trigger an ouster vote, but limiting how often it can be used. He proposed that it couldn’t be used against a new speaker for his or her first six months on the job, and setting a period of time before it could be used again if one is brought up and fails.

Some supporters of the current rule have floated that they would be willing to discuss raising the threshold in exchange for other priorities. Rep. Matt Gaetz (R-Fla.) has said he would be open to raising the motion-to-vacate threshold in exchange for ethics and campaign finance reforms — though it’s far from clear such an offer would move the larger group of holdouts.

And Roy, while cautioning that “all things can be discussed,” said that a change “would “have to come with something, if it changes at all.”

“I think it is an uphill climb to change it,” he added.

Republican Nick Begich heads into the final two weeks of Alaska’s House race with a small but significant advantage over incumbent Rep. Mary Peltola in a top battleground race, according to new internal GOP polling obtained by POLITICO.

The poll, conducted by Cygnal on Oct. 14-16, found Begich leading Peltola 49.1 to 44.5 percent in the first round of voting under Alaska’s unique top-four, ranked-choice voting system. Two candidates who are less well known — Democrat Eric Hafner and Alaska Independence Party’s John Wayne Howe — take 2.4 percent and 4 percent, respectively.

Under the system, the first candidate to top the 50 percent threshold wins. In each round, the candidate receiving the fewest votes is eliminated and their voters are reassigned to their next choices until someone tops a majority. In the second round, Begich leads Peltola 49.6 to 45.5 percent, with Howe receiving an additional 4.8 percent of the vote.

That leads to a final round where Begich would top Peltola 52.1 percent to 47.9 percent.

Both parties have poured tens of millions into the Last Frontier as Democrats hope to hold onto the reddest turf in the country currently represented by a Democrat. Most major election prognosticators currently rate the contest as a tossup.

Peltola did get one significant piece of good news over the weekend when GOP Sen. Lisa Murkowski (R-Alaska) said she hopes the incumbent wins reelection.

“I’ve appreciated the great work that she has done for the state, and I hope that she’s able to continue that,” Murkowski said after she made remarks to the Alaska Federation of Natives Convention, according to Alaska Public Media.

Peltola won after three rounds in the 2022 general election, defeating former Gov. Sarah Palin (R-Alaska) by a 55 to 45 percent margin. Begich finished in third place during that contest.

The poll, conducted on behalf of Begich and the NRCC, surveyed 400 likely general election voters with a margin of error of 4.86 percentage points.