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Anna Paulina Luna partners with Alexandria Ocasio-Cortez on credit card interest caps

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U.S. Rep. Anna Paulina Luna, a Pinellas County Republican, is partnering with U.S. Rep. Alexandria Ocasio-Cortez, a New York Democrat, on bipartisan legislation that would cap credit card interest rates at 10%.

And they aren’t the only Washington politicians bridging the political divide on the issue. Republican U.S. Sen. Josh Hawley of Missouri and progressive independent U.S. Sen. Bernie Sanders, who caucuses with Democrats, have introduced companion legislation in the Senate.

In announcing the legislation, Luna cited Consumer Financial Protection Bureau data from last year showing that average credit card interest rates have reached an all-time high of nearly 23%, nearly double the average in 2013.

“I’m proud to be the bipartisan co-lead to this legislation. For too long, credit card companies have abused working class Americans with absurd interest rates, trapping them in an almost insurmountable amount of debt,” Luna said. “We need a fair solution — and that means getting rid of the status quo and putting a reasonable cap on interest rates.”

The unlikely partnerships — four years ago Luna campaigned on taking on Ocasio-Cortez, according to an interview with Daily Caller — show that consensus can be found on issues, particularly pocketbook issues, even in the face of stark political differences.

While Ocasio-Cortez didn’t mention Luna in her statement supporting the legislation, she did mention another political foe: President Donald Trump.

“Credit cards with high interest rates regularly trap working people in endless cycles of debt. At a time when families are struggling to make ends meet, we cannot allow big banks to shake down our communities for profit,” Ocasio-Cortez said.

“During his campaign, President Trump pledged to cap credit card interest rates at 10%. We’re making that pledge more than a talking point by introducing legislation to protect working people from remaining trapped under mountains of debt.”

The legislation would implement the 10% cap “inclusive of all finance charges,” and further notes that “any fees that are not considered finance charges … may not be used to evade the limitations … and the total sum of such fees may not exceed the total amount of finance charges assessed.”

While the legislation sounds like great news for consumers, the relief won’t exactly be speedy. If enacted, the cap would not take effect until 2031, nearly six years from now.


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Last Call for 3.10.25 – A prime-time read of what’s going down in Florida

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Last Call – A prime-time read of what’s going down in Florida politics.

First Shot

With the 2025 Legislative Session underway, Florida TaxWatch will host its annual State of the Taxpayer Dinner tomorrow night.

The event will take place at the Goodwood Museum & Gardens in Tallahassee, providing a platform for the state’s elected leaders and policymakers to engage directly with the concerns of hardworking taxpayers and their families.

The evening will commence with a reception from 5 to 6:30 p.m., followed by dinner and a program from 6:30 to 8 p.m. 

The dinner’s confirmed speakers include Agriculture Commissioner Wilton Simpson, Senate Democratic Leader Jason Pizzo, Florida TaxWatch President and CEO Dominic Calabro, and Executive Vice President and General Counsel Jeff Kottkamp.

Florida TaxWatch has been a nonpartisan, independent government watchdog for over 40 years. Its focus is on improving government accountability and productivity. The organization researches to assess the impact of fiscal and economic policies on taxpayers and businesses.

Media representatives are invited to attend, and a riser and press feed box are available on-site. An agenda will be provided to those who RSVP before the event. Prospective attendees can contact Christina Johnson via [email protected] to RSVP.

Evening Reads

—“Thirty charts that show how COVID changed everything” via Aatish Bhatia and Irineo Cabreros of The New York Times

—“The 28 wackiest lines from Donald Trump’s interview with Maria Bartiromo” via Chris Cillizza of So What

—”People with disabilities rely on Uber. Could a federal rule limit access?” via Shauna Muckle of the Tampa Bay Times

—”Trump’s $5 million gold citizenship card: What South Florida advisers say about the plan” via David Lyons of the South Florida Sun-Sentinel

—”Inside America’s fluoride rebellion” via Kris Maher of The Wall Street Journal

—”The life and mystery of Luigi Mangione” via Lorena O’Neil of Rolling Stone

—”We got rid of acid rain. Now something scarier is falling from the sky.” via Benji Jones of Vox

—”‘Wake up Democrats!’: Frustration boils over with party’s response to Trump” via Steven Lemongello of the Orlando Sentinel

—”Juul Labs suit: AG announces $79 million settlement over marketing to kids claims” via Jackie Llanos of the Florida Phoenix

—”Silver Bulletin College Basketball ratings” via Nate Silver of the Silver Bulletin

Quote of the Day

“Much like the DeSantises’ fool’s errand in 2024 against President Trump where he got crushed, this data shows that the DeSantises would suffer a similar fate in Florida if Casey should run for Governor.”

— Fabrizio Lee & Associates partner Tony Fabrizio, on polling showing Byron Donalds dominating the GOP field for Governor.

Put it on the Tab

Look to your left, then look to your right. If you see one of these people at your happy hour haunt, flag down the bartender and put one of these on your tab. Recipes included, just in case the Cocktail Codex fell into the well.

Pour U.S. Rep. Byron Donalds a Riding High now that his Trump endorsement has rocketed him to the top of the 2026 polls.

The Josh Weil campaign, unfortunately, will be sipping on Bicycle Thiefs at happy hour tonight.

Former Tallahassee Democrat Publisher Skip Foster gets a pint of Red Tape for his new publication spotlighting … red tape.

Breakthrough Insights

Tune In

NFL free agency begins

Today at noon, the NFL’s “legal tampering” period began in free agency. In truth, teams and agents have been sending messages back and forth for months so it should come as no surprise that a number of deals are already being reported.

Here’s a rundown of the moves made by the three Florida teams so far.

The Jacksonville Jaguars have been the most active team. Under new general manager James Gladstone and a new coaching staff, the Jaguars have agreed to terms with eight new players as of 4 p.m. ET today.

Offensive linemen Chuma Edoga of the Dallas Cowboys and Patrick Mekari of the Baltimore Ravens, wide receiver Dyami Brown of the Washington Commanders, tight ends Hunter Long and Johnny Mundt, defensive backs Eric Murray of the Houston Texans and Jourdan Lewis of the Cowboys and quarterback Nick Mullens who worked under new Jaguars’ offensive coordinator Grant Udinski in Minnesota. 

The Miami Dolphins are limited in free agency by limited salary cap space but the Dolphins could add depth on both lines and will likely need to find a veteran quarterback to back up Tua Tagovailoa.

Miami wide receiver Braxton Berrios signed with the Texans in free agency but Miami re-signed defensive tackle Matt Dickerson.

The Tampa Bay Buccaneers re-signed wide receiver Chris Godwin to a three-year extension and guard Ben Bredeson to a three-year contract while defensive end Haason Reddick left the Jets for Tampa Bay.

Officially, teams can submit new contracts to the league starting on Wednesday.

___

Last Call is published by Peter Schorsch, assembled and edited by Phil Ammann and Drew Wilson, with contributions from the staff of Florida Politics.


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Kevin Guthrie has clocked in 30 years to earn role leading Florida’s emergency response

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Guthrie was seriously considered to run FEMA earlier this year.

After five years as Director of Florida’s Division of Emergency Management (DEM) and three decades of experience in public safety, Kevin Guthrie’s contributions to the Sunshine State are adding up.

Heading into his sixth year as Director, under Guthrie’s management DEM has been responsible for $11.5 billion in disaster funding distribution that his management has overseen, according to figures provided by the Governor’s Office.

The dollars distributed for disaster funding are the most under any single DEM Director in Florida history. In that time, more than $8 billion of that funding was from the Federal Emergency Management Agency (FEMA) Public Assistance funding that has helped communities rebuild after disasters.

It’s the FEMA connection that spurred speculation earlier this year over the possibility that Guthrie could be tapped by President Donald Trump to head up the national agency. With FEMA in turmoil and top officials being fired in recent weeks, it’s still not clear whether Trump will seek Guthrie for FEMA’s top slot.

It seemed a real possibility in January as multiple media outlets, including Florida Politics, reported that Guthrie could be moved into the national post. The mere thought of losing Guthrie caused Gov. Ron DeSantis to gush over Guthrie in January.

It should be no surprise that Guthrie is in the mix of national conversations about disaster preparedness and relief. While he is famed for his Florida work, Guthrie has provided mutual assistance and disaster response to states such as Texas, Oklahoma, New Mexico, North Carolina, South Carolina and Tennessee. He oversaw the deployment of more than 200 personnel in those multistate recovery efforts.

Guthrie also offered help to Texas again as recently as December to assist with border protection.

Will Guthrie’s name come up again for a possible transition into the federal post? It’s not clear. At this stage, Trump has publicly pondered the possibility of doing away with the agency entirely. Should he reconsider, we may see another Florida man moving to Washington.


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Republicans want to stop Gov. DeSantis from spending taxpayer money to fight ballot initiatives

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A Senate committee voted to ban taxpayer money being spent to endorse or fight constitutional amendments as it advanced legislation making it tougher for those ballot initiatives to get on the ballot in the first place.

Gov. Ron DeSantis reportedly spent millions of dollars to help defeat last year’s abortion rights and marijuana legalization initiatives as he traveled around the state for press conferences, funded commercials and weaponized a state agency website to condemn abortion.

“This amendment makes sure that taxpayers don’t get the bill for political issue campaigns,” said Sen. Jennifer Bradley, the amendment’s sponsor.

Bradley argued that the state has a role in informing the public but said she worries a line is getting crossed.

“When they cross over into attempting to influence the outcome of a ballot measure, I think we’re then treading in territory that makes me very uncomfortable as a conservative who is very concerned about what our role of government is in a Democratic society,” Bradley said during Monday’s Senate Ethics and Elections Committee meeting.

The committee voted 6-3 to advance a larger bill (SPB 7016), which adds stiffer penalties for ballot sponsors caught breaking the law and would add hurdles for grassroots petition drives. 

The proposed changes include requiring a group to post a $1 million bond when it submits a proposal to the Secretary of the State. The ballot initiative sponsor could ask for the $1 million bond waived for a financial burden — but only if the sponsor isn’t paying petition circulators to collect signatures. In that case, the $1 million bond would be immediately owed.

The petitions would need to contain the ballot summary but also the financial impact statement — which in the case for Amendment 4, became politically loaded and the subject of a lawsuit. 

To fill out a petition to get an issue on the ballot, people would now be required to also write their driver’s license number or the last four digits of their Social Security number.

Grassroots efforts where neighbors and friends collect petitions would also be banned since anyone collecting more than two signatures beyond their immediate family would need to register as an official petition circulator with the state and undergo training under one of the bill’s provisions. Anyone in violation would face a third-degree felony under the bill.

The bill also raised the sponsors’ fines for violations. 

“These are reasonable regulations to protect the integrity of the ballot and to prevent fraud,” said Sen. Erin Grall, the Fort Pierce Republican who steered the bill through the committee Monday.

The Amendment 4 political action committee paid a $164,000 settlement with the state over allegations that paid petition circulators submitted fraudulent petitions.

Democrats and advocates feared the proposed changes are designed to squash any future citizen-led ballot initiatives. Past initiatives, such as implementing a $15 minimum wage and free VPK, were all progressive proposals that voters supported in a state where Republicans have a stronghold in Tallahassee.

“We are really making it impossible for the citizens, any grassroots organizations to utilize this process,” said Sen. Tina Polsky, a Boca Raton Democrat. “It is called the citizen initiative process. Why? Because our Legislature doesn’t want to do the things that the citizens want.”


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