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She previously covered immigration. Farida was \u003ca href=\"https://www.ccnma.org/2022-most-influential-latina-journalists\">named\u003c/a> one of the 10 Most Influential Latina Journalists in California in 2022 by the California Chicano News Media Association. Her work has won awards from the Society of Professional Journalists (Northern California), as well as a national and regional Edward M. Murrow Award for the collaborative reporting projects “Dangerous Air” and “Graying California.” \u003c/span>\u003cspan style=\"font-weight: 400;\">Before joining KQED, Farida worked as a producer at Radio Bilingüe, a national public radio network. Farida earned her master’s degree in journalism from Stanford University.\u003c/span>","avatar":"https://secure.gravatar.com/avatar/c3ab27c5554b67b478f80971e515aa02?s=600&d=blank&r=g","twitter":"FaridaJhabvala","facebook":null,"instagram":null,"linkedin":"https://www.linkedin.com/in/faridajhabvala/","sites":[{"site":"news","roles":["editor"]},{"site":"stateofhealth","roles":["author"]}],"headData":{"title":"Farida Jhabvala Romero | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/c3ab27c5554b67b478f80971e515aa02?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/c3ab27c5554b67b478f80971e515aa02?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/fjhabvala"},"korr":{"type":"authors","id":"11200","meta":{"index":"authors_1591205172","id":"11200","found":true},"name":"Katie Orr","firstName":"Katie","lastName":"Orr","slug":"korr","email":"korr@kqed.org","display_author_email":false,"staff_mastheads":[],"title":"KQED Contributor","bio":"Katie Orr was a Sacramento-based reporter for KQED's Politics and Government Desk, covering the state Capitol and a variety of issues including women in politics, voting and elections and legislation. 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Twitter: @1KatieOrr","avatar":"https://secure.gravatar.com/avatar/41a40b25845adc78f50808670860449e?s=600&d=blank&r=g","twitter":"1katieorr","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["subscriber"]},{"site":"stateofhealth","roles":["author"]},{"site":"forum","roles":["author"]}],"headData":{"title":"Katie Orr | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/41a40b25845adc78f50808670860449e?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/41a40b25845adc78f50808670860449e?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/korr"},"abandlamudi":{"type":"authors","id":"11672","meta":{"index":"authors_1591205172","id":"11672","found":true},"name":"Adhiti Bandlamudi","firstName":"Adhiti","lastName":"Bandlamudi","slug":"abandlamudi","email":"abandlamudi@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"KQED Housing Reporter","bio":"Adhiti Bandlamudi reports for KQED's Housing desk. 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Sydney is a graduate of the University of California, Berkeley and lives in San Francisco.","avatar":"https://secure.gravatar.com/avatar/97855f2719b72ad6190b7c535fe642c8?s=600&d=blank&r=g","twitter":"sydneyfjohnson","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["editor"]}],"headData":{"title":"Sydney Johnson | KQED","description":"KQED Reporter","ogImgSrc":"https://secure.gravatar.com/avatar/97855f2719b72ad6190b7c535fe642c8?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/97855f2719b72ad6190b7c535fe642c8?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/sjohnson"}},"breakingNewsReducer":{},"campaignFinanceReducer":{},"firebase":{"requesting":{},"requested":{},"timestamps":{},"data":{},"ordered":{},"auth":{"isLoaded":false,"isEmpty":true},"authError":null,"profile":{"isLoaded":false,"isEmpty":true},"listeners":{"byId":{},"allIds":[]},"isInitializing":false,"errors":[]},"navBarReducer":{"navBarId":"news","fullView":true,"showPlayer":false},"navMenuReducer":{"menus":[{"key":"menu1","items":[{"name":"News","link":"/","type":"title"},{"name":"Politics","link":"/politics"},{"name":"Science","link":"/science"},{"name":"Education","link":"/educationnews"},{"name":"Housing","link":"/housing"},{"name":"Immigration","link":"/immigration"},{"name":"Criminal Justice","link":"/criminaljustice"},{"name":"Silicon Valley","link":"/siliconvalley"},{"name":"Forum","link":"/forum"},{"name":"The California Report","link":"/californiareport"}]},{"key":"menu2","items":[{"name":"Arts & Culture","link":"/arts","type":"title"},{"name":"Critics’ Picks","link":"/thedolist"},{"name":"Cultural Commentary","link":"/artscommentary"},{"name":"Food & Drink","link":"/food"},{"name":"Bay Area Hip-Hop","link":"/bayareahiphop"},{"name":"Rebel Girls","link":"/rebelgirls"},{"name":"Arts Video","link":"/artsvideos"}]},{"key":"menu3","items":[{"name":"Podcasts","link":"/podcasts","type":"title"},{"name":"Bay Curious","link":"/podcasts/baycurious"},{"name":"Rightnowish","link":"/podcasts/rightnowish"},{"name":"The Bay","link":"/podcasts/thebay"},{"name":"On Our Watch","link":"/podcasts/onourwatch"},{"name":"Mindshift","link":"/podcasts/mindshift"},{"name":"Consider This","link":"/podcasts/considerthis"},{"name":"Political Breakdown","link":"/podcasts/politicalbreakdown"}]},{"key":"menu4","items":[{"name":"Live Radio","link":"/radio","type":"title"},{"name":"TV","link":"/tv","type":"title"},{"name":"Events","link":"/events","type":"title"},{"name":"For Educators","link":"/education","type":"title"},{"name":"Support KQED","link":"/support","type":"title"},{"name":"About","link":"/about","type":"title"},{"name":"Help Center","link":"https://kqed-helpcenter.kqed.org/s","type":"title"}]}]},"pagesReducer":{},"postsReducer":{"stream_live":{"type":"live","id":"stream_live","audioUrl":"https://streams.kqed.org/kqedradio","title":"Live Stream","excerpt":"Live Stream information currently unavailable.","link":"/radio","featImg":"","label":{"name":"KQED Live","link":"/"}},"stream_kqedNewscast":{"type":"posts","id":"stream_kqedNewscast","audioUrl":"https://www.kqed.org/.stream/anon/radio/RDnews/newscast.mp3?_=1","title":"KQED Newscast","featImg":"","label":{"name":"88.5 FM","link":"/"}},"news_11960406":{"type":"posts","id":"news_11960406","meta":{"index":"posts_1591205157","site":"news","id":"11960406","score":null,"sort":[1694183472000]},"guestAuthors":[],"slug":"san-francisco-green-lights-nations-first-public-bank","title":"San Francisco Green-Lights Nation's First City-Run Public Bank","publishDate":1694183472,"format":"standard","headTitle":"San Francisco Green-Lights Nation’s First City-Run Public Bank | KQED","labelTerm":{"site":"news"},"content":"\u003cp>After years of pressure from financial equity advocates, San Francisco supervisors this week \u003ca href=\"https://sfgov.legistar.com/View.ashx?M=F&ID=12189483&GUID=BB6E2B58-7284-4C25-8285-70199518CD06\">unanimously approved a plan \u003c/a>for the city to begin the process of creating the nation’s first publicly owned municipal bank.\u003c/p>\n\u003cp>“We’re thrilled, this is a big milestone,” said Misha Steier, an organizer with the San Francisco Public Bank Coalition, which for years has been lobbying city leaders to launch a public bank. “We’re really optimistic that this is something that’s going to cut across the typical bipartisan divide in San Francisco of the progressives versus moderates. We’re seeing folks from all camps interested in this.”[pullquote size=\"medium\" align=\"right\" citation=\"San Francisco Supervisor Dean Preston\"]‘I would love to see a vibrant public banking institution at the state level, and any city that wants to have their own public bank as well.’[/pullquote]Tuesday’s vote carves a path for San Francisco to form a new agency to oversee the creation of the bank, with the goal of building a public alternative to the private banking systems that now manage the millions of dollars the city receives from taxpayers. The bank could finance housing for lower-income residents, small businesses and other projects beneficial to the community that private lenders often shy away from. And under this model, unlike most conventional financial institutions, most of the profits generated from loans and money-handling would be reinvested in the bank, rather than going to private shareholders.\u003c/p>\n\u003cp>In 2019, California lawmakers passed \u003ca href=\"https://trackbill.com/bill/california-assembly-bill-857-public-banks/1697845/\">Assembly Bill 857\u003c/a>, which enabled local governments to charter public banks. In April 2022, San Francisco launched a working group to study the idea, made up of community leaders, bankers, financial experts and small-business owners.\u003c/p>\n\u003cp>With the approval from the Board of Supervisors, the work of building the bank from the ground up begins.[aside postID=\"news_11948019,news_11948206\" label=\"Related Posts\"]Next, the city has to pass an ordinance that would create the publicly-owned financial corporation. After a few years of operations and investments, the corporation would then apply to be a FDIC-approved bank.\u003c/p>\n\u003cp>Currently, residents won’t be able to open up a checking account with the bank — although that could change in the future. Instead, the plan involves working with other local banking institutions, like credit unions, to begin investing in the coalition’s three main areas of focus: green infrastructure, affordable housing and small business.\u003c/p>\n\u003cp>“Perhaps you won’t be able to go to the public bank to get a mortgage, but your local credit union will have the capacity to make that mortgage cheaper now that they’re partnering with us to get that cheaper credit,” said Steier.\u003c/p>\n\u003cp>Advocates with the San Francisco Public Bank Coalition, who have been organizing since around 2017, want the public bank to refrain from investing in sectors like fossil fuels, prisons and weapons, and instead support land trusts and community-benefiting needs. Actual investments and programming however will be up to professional banking staff once the agency has opened.\u003c/p>\n\u003cp>The bank would be independently run by professional bankers and have public oversight. But an exact timeline for when the bank will roll out is not yet clear.\u003c/p>\n\u003cfigure id=\"attachment_11960410\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-11960410\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-800x533.jpg\" alt=\"A white man wearing a business suit and glasses holds a microphone in the middle of a crowd of people holding signs.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-1536x1022.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Supervisor Dean Preston speaks during a Tenderloin Housing Clinic workers rally for a new contract and higher wages in San Francisco on July 27, 2022. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Supervisor Dean Preston said he hopes to propose legislation to create the financial corporation by the end of the year. Time is of the essence, he said, because there are unique opportunities for funding that could bolster initial investments, including President Joe Biden’s \u003ca href=\"https://www.irs.gov/inflation-reduction-act-of-2022\">Inflation Reduction Act\u003c/a>.\u003c/p>\n\u003cp>“We now have a plan, a road map for doing this, and the next step is to turn this plan that has been unanimously accepted by the Board of Supervisors into an ordinance that creates these different structures,” Preston told KQED. “Our hope is that we can do that relatively quickly. We want to make sure that the city is competitive for some big chunks of money that are available at the federal level.”\u003c/p>\n\u003cp>Supporters have highlighted the instability of the private banking industry, from the 2008–2009 financial crisis to more recent challenges like the \u003ca href=\"https://www.kqed.org/news/11943215/us-seizes-silicon-valley-bank-as-stocks-tumble-depositors-scramble-to-withdraw-funds\">collapse of local Silicon Valley Bank\u003c/a>. The bank’s closing also impacted or delayed several affordable housing projects.\u003c/p>\n\u003cp>“These things just highlight some of the weaknesses of a system that is so heavily dependent on private for-profit Wall Street, [and] national and international banks for capital,” Preston said. “It certainly would be a positive thing to have public bank financing for things like affordable housing instead of just relying so much on the private sector, as we have seen multiple scandals and collapses in the private banking sector.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The plan comes as the city continues to recover from economic hardship brought on by the COVID-19 pandemic. Preston added that private banking has left many San Francisco residents, particularly communities of color and small businesses, excluded from accessing equitable financial services like loans and mortgages.\u003c/p>\n\u003cp>Studies have shown that in San Francisco, Black and Latino households are disproportionately more likely to be denied home purchase loans. Research by the nonprofit Greenlining Institute found that Black San Franciscans, despite making up 6% of the local population, receive less than 1% of home purchase loans in the city. Latino households make up 16% of the population, but receive only 4% of such loans.\u003c/p>\n\u003cp>“This has led to potential ‘banking deserts’ where communities lack easy access to personal, business, and other financial services with bankers with local relationships and knowledge, a trend that has disproportionately affected low-income and minority populations,” \u003ca href=\"https://sfgov.legistar.com/View.ashx?M=F&ID=12189483&GUID=BB6E2B58-7284-4C25-8285-70199518CD06\">the plan reads\u003c/a>. “This lack of services can lead customers to payday lenders, check cashers, and other financial services providers who offer predatory and harmful products.”\u003c/p>\n\u003cp>While North Dakota already operates a statewide public bank, San Francisco would be the first-ever city in the U.S. to operate one.\u003c/p>\n\u003cp>Interest in a statewide public banking option is also bubbling. In 2021, Gov. Gavin Newsom signed \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202120220AB1177\">Assembly Bill 1177\u003c/a> into law, which called on the state to analyze what a statewide public option for personal financial services could entail. That analysis is due by July 1, 2024.\u003c/p>\n\u003cp>“I would love to see a vibrant public banking institution at the state level, and any city that wants to have their own public bank as well,” Preston said. “That would be the best-case scenario.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"The idea is to create a public alternative to private banking systems that currently manage taxpayer money. ","status":"publish","parent":0,"modified":1694464449,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":20,"wordCount":1116},"headData":{"title":"San Francisco Green-Lights Nation's First City-Run Public Bank | KQED","description":"The idea is to create a public alternative to private banking systems that currently manage taxpayer money. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11960406/san-francisco-green-lights-nations-first-public-bank","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>After years of pressure from financial equity advocates, San Francisco supervisors this week \u003ca href=\"https://sfgov.legistar.com/View.ashx?M=F&ID=12189483&GUID=BB6E2B58-7284-4C25-8285-70199518CD06\">unanimously approved a plan \u003c/a>for the city to begin the process of creating the nation’s first publicly owned municipal bank.\u003c/p>\n\u003cp>“We’re thrilled, this is a big milestone,” said Misha Steier, an organizer with the San Francisco Public Bank Coalition, which for years has been lobbying city leaders to launch a public bank. “We’re really optimistic that this is something that’s going to cut across the typical bipartisan divide in San Francisco of the progressives versus moderates. We’re seeing folks from all camps interested in this.”\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘I would love to see a vibrant public banking institution at the state level, and any city that wants to have their own public bank as well.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"San Francisco Supervisor Dean Preston","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Tuesday’s vote carves a path for San Francisco to form a new agency to oversee the creation of the bank, with the goal of building a public alternative to the private banking systems that now manage the millions of dollars the city receives from taxpayers. The bank could finance housing for lower-income residents, small businesses and other projects beneficial to the community that private lenders often shy away from. And under this model, unlike most conventional financial institutions, most of the profits generated from loans and money-handling would be reinvested in the bank, rather than going to private shareholders.\u003c/p>\n\u003cp>In 2019, California lawmakers passed \u003ca href=\"https://trackbill.com/bill/california-assembly-bill-857-public-banks/1697845/\">Assembly Bill 857\u003c/a>, which enabled local governments to charter public banks. In April 2022, San Francisco launched a working group to study the idea, made up of community leaders, bankers, financial experts and small-business owners.\u003c/p>\n\u003cp>With the approval from the Board of Supervisors, the work of building the bank from the ground up begins.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11948019,news_11948206","label":"Related Posts "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Next, the city has to pass an ordinance that would create the publicly-owned financial corporation. After a few years of operations and investments, the corporation would then apply to be a FDIC-approved bank.\u003c/p>\n\u003cp>Currently, residents won’t be able to open up a checking account with the bank — although that could change in the future. Instead, the plan involves working with other local banking institutions, like credit unions, to begin investing in the coalition’s three main areas of focus: green infrastructure, affordable housing and small business.\u003c/p>\n\u003cp>“Perhaps you won’t be able to go to the public bank to get a mortgage, but your local credit union will have the capacity to make that mortgage cheaper now that they’re partnering with us to get that cheaper credit,” said Steier.\u003c/p>\n\u003cp>Advocates with the San Francisco Public Bank Coalition, who have been organizing since around 2017, want the public bank to refrain from investing in sectors like fossil fuels, prisons and weapons, and instead support land trusts and community-benefiting needs. Actual investments and programming however will be up to professional banking staff once the agency has opened.\u003c/p>\n\u003cp>The bank would be independently run by professional bankers and have public oversight. But an exact timeline for when the bank will roll out is not yet clear.\u003c/p>\n\u003cfigure id=\"attachment_11960410\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-11960410\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-800x533.jpg\" alt=\"A white man wearing a business suit and glasses holds a microphone in the middle of a crowd of people holding signs.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut-1536x1022.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2023/09/RS57436_028_KQED_TenderloinHousingClinicStrike_07272022-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Supervisor Dean Preston speaks during a Tenderloin Housing Clinic workers rally for a new contract and higher wages in San Francisco on July 27, 2022. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Supervisor Dean Preston said he hopes to propose legislation to create the financial corporation by the end of the year. Time is of the essence, he said, because there are unique opportunities for funding that could bolster initial investments, including President Joe Biden’s \u003ca href=\"https://www.irs.gov/inflation-reduction-act-of-2022\">Inflation Reduction Act\u003c/a>.\u003c/p>\n\u003cp>“We now have a plan, a road map for doing this, and the next step is to turn this plan that has been unanimously accepted by the Board of Supervisors into an ordinance that creates these different structures,” Preston told KQED. “Our hope is that we can do that relatively quickly. We want to make sure that the city is competitive for some big chunks of money that are available at the federal level.”\u003c/p>\n\u003cp>Supporters have highlighted the instability of the private banking industry, from the 2008–2009 financial crisis to more recent challenges like the \u003ca href=\"https://www.kqed.org/news/11943215/us-seizes-silicon-valley-bank-as-stocks-tumble-depositors-scramble-to-withdraw-funds\">collapse of local Silicon Valley Bank\u003c/a>. The bank’s closing also impacted or delayed several affordable housing projects.\u003c/p>\n\u003cp>“These things just highlight some of the weaknesses of a system that is so heavily dependent on private for-profit Wall Street, [and] national and international banks for capital,” Preston said. “It certainly would be a positive thing to have public bank financing for things like affordable housing instead of just relying so much on the private sector, as we have seen multiple scandals and collapses in the private banking sector.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The plan comes as the city continues to recover from economic hardship brought on by the COVID-19 pandemic. Preston added that private banking has left many San Francisco residents, particularly communities of color and small businesses, excluded from accessing equitable financial services like loans and mortgages.\u003c/p>\n\u003cp>Studies have shown that in San Francisco, Black and Latino households are disproportionately more likely to be denied home purchase loans. Research by the nonprofit Greenlining Institute found that Black San Franciscans, despite making up 6% of the local population, receive less than 1% of home purchase loans in the city. Latino households make up 16% of the population, but receive only 4% of such loans.\u003c/p>\n\u003cp>“This has led to potential ‘banking deserts’ where communities lack easy access to personal, business, and other financial services with bankers with local relationships and knowledge, a trend that has disproportionately affected low-income and minority populations,” \u003ca href=\"https://sfgov.legistar.com/View.ashx?M=F&ID=12189483&GUID=BB6E2B58-7284-4C25-8285-70199518CD06\">the plan reads\u003c/a>. “This lack of services can lead customers to payday lenders, check cashers, and other financial services providers who offer predatory and harmful products.”\u003c/p>\n\u003cp>While North Dakota already operates a statewide public bank, San Francisco would be the first-ever city in the U.S. to operate one.\u003c/p>\n\u003cp>Interest in a statewide public banking option is also bubbling. In 2021, Gov. Gavin Newsom signed \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202120220AB1177\">Assembly Bill 1177\u003c/a> into law, which called on the state to analyze what a statewide public option for personal financial services could entail. That analysis is due by July 1, 2024.\u003c/p>\n\u003cp>“I would love to see a vibrant public banking institution at the state level, and any city that wants to have their own public bank as well,” Preston said. “That would be the best-case scenario.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11960406/san-francisco-green-lights-nations-first-public-bank","authors":["11840"],"categories":["news_1758","news_8"],"tags":["news_69","news_20332","news_27045","news_27626","news_33146","news_33147","news_6927"],"featImg":"news_11960409","label":"news"},"news_11948019":{"type":"posts","id":"news_11948019","meta":{"index":"posts_1591205157","site":"news","id":"11948019","score":null,"sort":[1682710994000]},"guestAuthors":[],"slug":"fed-takes-partial-blame-for-silicon-valley-bank-collapse","title":"Fed Takes Partial Blame for Silicon Valley Bank Collapse","publishDate":1682710994,"format":"standard","headTitle":"Fed Takes Partial Blame for Silicon Valley Bank Collapse | KQED","labelTerm":{"term":253,"site":"news"},"content":"\u003cp>The Federal Reserve says its own light-touch approach to bank regulation is partly to blame for the collapse of Silicon Valley Bank last month, and it promised more vigorous oversight in the future.\u003c/p>\n\u003cp>In a \u003ca href=\"https://www.federalreserve.gov/publications/files/svb-review-20230428.pdf\">scathing 114-page report (PDF)\u003c/a>, the Fed says its own supervisors were slow to grasp the extent of the problems at Silicon Valley Bank, and when problems were identified, supervisors failed to move aggressively enough to ensure those problems were fixed.\u003c/p>\n\u003cfigure id=\"attachment_11948027\" class=\"wp-caption alignright\" style=\"max-width: 640px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-large wp-image-11948027\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg\" alt=\"Headshot of a white middle-aged man with a suit looking away from the camera with a serious expression.\" width=\"640\" height=\"426\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434.jpg 1024w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Michael Barr, vice chair for supervision of the Board of Governors of the Federal Reserve System, testifies during the House Financial Services Committee hearing titled The Federal Regulators’ Response to Recent Bank Failures, in Rayburn Building in Washington DC, March 29, 2023. \u003ccite>(Tom Williams/CQ-Roll Call, Inc via Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The report says changes adopted in 2019 that exempted all but the biggest banks from strict scrutiny — along with a cultural shift toward less-assertive policing of banks — allowed problems at Silicon Valley Bank to fester until it was too late.\u003c/p>\n\u003cp>“Following Silicon Valley Bank’s failure, we must strengthen the Federal Reserve’s supervision and regulation, based on what we have learned,” said Michael Barr, the Fed’s vice chair for supervision, who led the review.\u003c/p>\n\u003cp>Barr took over as the Fed’s top bank regulator last July, replacing Randal Quarles, who oversaw the changes made in 2019. Barr’s more aggressive approach to bank regulation has drawn criticism from Senate Republicans. But it has the backing of Fed chairman Jerome Powell.\u003c/p>\n\u003cp>“I welcome this thorough and self-critical report on Federal Reserve supervision from Vice Chair Barr,” Powell said in a statement. “I agree with and support his recommendations to address our rules and supervisory practices, and I am confident they will lead to a stronger and more resilient banking system.”[aside label=\"Related Stories\" postID=\"forum_2010101892482,news_11943452,news_11945075\"]Barr found that some of the problems at Silicon Valley Bank were unique, based on its heavy concentration in the tech industry, its shoddy risk-management practices, and its large share of uninsured deposits — which customers raced to withdraw when problems surfaced.\u003c/p>\n\u003cp>But the failure holds lessons for the broader financial system and the way it’s regulated.\u003c/p>\n\u003cp>The speed of the bank run at Silicon Valley — where customers tried to withdraw an unprecedented $140 billion over the course of two days — will force the Fed to rethink its approach, in an age where rumors can spread rapidly on social media and money can be moved instantly with a tap on a smart phone.\u003c/p>\n\u003cp>The experience also shows that any bank failure can have widespread ripple effects, even if the bank is not extremely large or well-connected. The collapse of Silicon Valley Bank and Signature Bank in New York two days later rattled confidence in the nation’s overall banking system and required the federal government to take emergency steps to prevent a wider bank run.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The scathing and self-critical report led by Vice Chair for Supervision Michael Barr said the Fed was slow to grasp the extent of the problems at Silicon Valley Bank and that supervisors were not aggressive enough to ensure those problems were fixed.","status":"publish","parent":0,"modified":1682710994,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":11,"wordCount":508},"headData":{"title":"Fed Takes Partial Blame for Silicon Valley Bank Collapse | KQED","description":"The scathing and self-critical report led by Vice Chair for Supervision Michael Barr said the Fed was slow to grasp the extent of the problems at Silicon Valley Bank and that supervisors were not aggressive enough to ensure those problems were fixed.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"nprByline":"\u003ca href=\"https://www.npr.org/people/2788801/scott-horsley\">Scott Horsley\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11948019/fed-takes-partial-blame-for-silicon-valley-bank-collapse","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Federal Reserve says its own light-touch approach to bank regulation is partly to blame for the collapse of Silicon Valley Bank last month, and it promised more vigorous oversight in the future.\u003c/p>\n\u003cp>In a \u003ca href=\"https://www.federalreserve.gov/publications/files/svb-review-20230428.pdf\">scathing 114-page report (PDF)\u003c/a>, the Fed says its own supervisors were slow to grasp the extent of the problems at Silicon Valley Bank, and when problems were identified, supervisors failed to move aggressively enough to ensure those problems were fixed.\u003c/p>\n\u003cfigure id=\"attachment_11948027\" class=\"wp-caption alignright\" style=\"max-width: 640px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-large wp-image-11948027\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg\" alt=\"Headshot of a white middle-aged man with a suit looking away from the camera with a serious expression.\" width=\"640\" height=\"426\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434.jpg 1024w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Michael Barr, vice chair for supervision of the Board of Governors of the Federal Reserve System, testifies during the House Financial Services Committee hearing titled The Federal Regulators’ Response to Recent Bank Failures, in Rayburn Building in Washington DC, March 29, 2023. \u003ccite>(Tom Williams/CQ-Roll Call, Inc via Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The report says changes adopted in 2019 that exempted all but the biggest banks from strict scrutiny — along with a cultural shift toward less-assertive policing of banks — allowed problems at Silicon Valley Bank to fester until it was too late.\u003c/p>\n\u003cp>“Following Silicon Valley Bank’s failure, we must strengthen the Federal Reserve’s supervision and regulation, based on what we have learned,” said Michael Barr, the Fed’s vice chair for supervision, who led the review.\u003c/p>\n\u003cp>Barr took over as the Fed’s top bank regulator last July, replacing Randal Quarles, who oversaw the changes made in 2019. Barr’s more aggressive approach to bank regulation has drawn criticism from Senate Republicans. But it has the backing of Fed chairman Jerome Powell.\u003c/p>\n\u003cp>“I welcome this thorough and self-critical report on Federal Reserve supervision from Vice Chair Barr,” Powell said in a statement. “I agree with and support his recommendations to address our rules and supervisory practices, and I am confident they will lead to a stronger and more resilient banking system.”\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Related Stories ","postid":"forum_2010101892482,news_11943452,news_11945075"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Barr found that some of the problems at Silicon Valley Bank were unique, based on its heavy concentration in the tech industry, its shoddy risk-management practices, and its large share of uninsured deposits — which customers raced to withdraw when problems surfaced.\u003c/p>\n\u003cp>But the failure holds lessons for the broader financial system and the way it’s regulated.\u003c/p>\n\u003cp>The speed of the bank run at Silicon Valley — where customers tried to withdraw an unprecedented $140 billion over the course of two days — will force the Fed to rethink its approach, in an age where rumors can spread rapidly on social media and money can be moved instantly with a tap on a smart phone.\u003c/p>\n\u003cp>The experience also shows that any bank failure can have widespread ripple effects, even if the bank is not extremely large or well-connected. The collapse of Silicon Valley Bank and Signature Bank in New York two days later rattled confidence in the nation’s overall banking system and required the federal government to take emergency steps to prevent a wider bank run.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11948019/fed-takes-partial-blame-for-silicon-valley-bank-collapse","authors":["byline_news_11948019"],"categories":["news_1758","news_8"],"tags":["news_21368","news_69","news_4866","news_32682","news_353","news_6927"],"affiliates":["news_253"],"featImg":"news_11948026","label":"news_253"},"news_11943962":{"type":"posts","id":"news_11943962","meta":{"index":"posts_1591205157","site":"news","id":"11943962","score":null,"sort":[1679091805000]},"guestAuthors":[],"slug":"silicon-valley-bank-bailout-tech-news-of-the-week","title":"Silicon Valley Bank Bailout | Tech News of the Week","publishDate":1679091805,"format":"video","headTitle":"KQED Newsroom | KQED News","labelTerm":{"term":7052,"site":"news"},"content":"\u003cp>\u003cb>Silicon Valley Bank Bailout\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">In the wake of the second largest bank failure in U.S. history, we discuss the federal government's intervention and the national picture with U.S. Congressmember Ro Khanna (D-Calif.), whose district includes Silicon Valley.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Silicon Valley Bank and Tech News\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">We take an extended look at the banking turmoil, stock market dip and economic uncertainty that lies ahead with MarketWatch's Reporter Levi Sumagaysay and Bureau Chief Jeremy Owens.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Something Beautiful: San Francisco SPCA\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">This week's look at Something Beautiful is the SF SPCA. The organization is the largest shelter in the Bay Area and the first cageless animal shelter to be established in the United States. \u003c/span>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1679346450,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":5,"wordCount":118},"headData":{"title":"Silicon Valley Bank Bailout | Tech News of the Week | KQED","description":"Silicon Valley Bank Bailout In the wake of the second largest bank failure in U.S. history, we discuss the federal government's intervention and the national picture with U.S. Congressmember Ro Khanna (D-Calif.), whose district includes Silicon Valley. Silicon Valley Bank and Tech News We take an extended look at the banking turmoil, stock market dip","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"videoEmbed":"https://youtu.be/Ie0vJqlDHrg","excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11943962/silicon-valley-bank-bailout-tech-news-of-the-week","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>Silicon Valley Bank Bailout\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">In the wake of the second largest bank failure in U.S. history, we discuss the federal government's intervention and the national picture with U.S. Congressmember Ro Khanna (D-Calif.), whose district includes Silicon Valley.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Silicon Valley Bank and Tech News\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">We take an extended look at the banking turmoil, stock market dip and economic uncertainty that lies ahead with MarketWatch's Reporter Levi Sumagaysay and Bureau Chief Jeremy Owens.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Something Beautiful: San Francisco SPCA\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">This week's look at Something Beautiful is the SF SPCA. The organization is the largest shelter in the Bay Area and the first cageless animal shelter to be established in the United States. \u003c/span>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11943962/silicon-valley-bank-bailout-tech-news-of-the-week","authors":["236"],"programs":["news_7052"],"categories":["news_31795","news_1758","news_13","news_248"],"tags":["news_32527","news_69","news_28321","news_2619","news_30424","news_353","news_6927"],"featImg":"news_11943965","label":"news_7052"},"news_11820229":{"type":"posts","id":"news_11820229","meta":{"index":"posts_1591205157","site":"news","id":"11820229","score":null,"sort":[1590187204000]},"guestAuthors":[],"slug":"californias-small-businesses-just-received-the-most-ppp-funding-in-the-us","title":"California's Small Businesses Just Received the Most PPP Funding in the US","publishDate":1590187204,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>California received the \u003ca href=\"https://www.sba.gov/sites/default/files/2020-05/PPP_Report_Net_200518.pdf\">highest number\u003c/a> of approved Paycheck Protection Program loans during the second round of funding, according to a recent report from the Small Business Administration. And most of those loans came from smaller banks.\u003c/p>\n\u003cp>One of those small lenders is the California-based community bank GBC International. Yvonne Pun is a commercial banking manager there and oversees its Northern California branches. She said that when the first round of PPP funding started, it was a mad dash for her team.\u003c/p>\n\u003cp>\"We would start the day from 7 a.m. in the morning, and there were times when we did not leave our office until after midnight — just to push through the applications,\" Pun said.\u003c/p>\n\u003cp>Pun's office filed hundreds of applications for local businesses, but feels her small bank was at a disadvantage to bigger banks — where teams of coders wrote software to fill out applications in the Small Business Administration's E-Tran system automatically.\u003c/p>\n\u003cp>GBC International doesn't have those resources.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"Every application that gets sent to us, we review it manually,\" Pun said. \"We double check that every line of the application is correct.\"\u003c/p>\n\u003cp>Within just two weeks, more than \u003ca href=\"https://home.treasury.gov/system/files/136/SBA%20PPP%20Loan%20Report%20Deck.pdf\">$340 billion\u003c/a> in the first round evaporated, in part because a chunk of that money went to bigger companies well-connected to those bigger banks that muscled their way to the front of the line. Some of those companies were \u003ca href=\"https://www.cnn.com/2020/04/20/business/shake-shack-ppp-loan-sba/index.html\">embarrassed\u003c/a> into giving the loan back, and the SBA has since put more restrictions in place to ensure small businesses get the loans.\u003c/p>\n\u003cp>Pun said this second round of funding has been a different story for her team.\u003c/p>\n\u003cp>\"The second-round process is smoother because now we know exactly what SBA is looking for,\" Pun said.\u003c/p>\n\u003cp>Now, California is leading the nation with more than $66 billion in PPP loans as of May 16, \u003ca href=\"https://home.treasury.gov/system/files/136/SBA%20PPP%20Loan%20Report%20Deck.pdf\">doubling what the state received\u003c/a> during the first round.\u003c/p>\n\u003cp>Noah Yosif, assistant vice president for economic policy and research and deputy chief economist at the \u003ca href=\"https://www.icba.org/home\">Independent Community Bankers of America\u003c/a>, said that fund distribution makes perfect sense to him. [aside tag=\"paycheck-protection-program\" label=\"related coverage\"]\u003c/p>\n\u003cp>\"A lot of these small businesses were able to get into the second round,\" Yosif said. \"States that had a large \u003ca href=\"https://cdn.advocacy.sba.gov/wp-content/uploads/2019/04/23142641/2019-Small-Business-Profiles-CA.pdf\">small business presence\u003c/a>, like California, were unable to be served during round one. [During the second round] where there's small businesses, there should be more PPP loans.\"\u003c/p>\n\u003cp>But the process still isn't smooth sailing for smaller banks. Just as community banks have started to master the PPP loan process, they're having to shift their focus to loan forgiveness. Pun expects her clients to start that process as early as the first week of June. Pun doesn't want the loan forgiveness process to be a mad dash like the first round of PPP funding, so she's working with the SBA to clarify the rules.\u003c/p>\n\u003cp>\"We're still trying to finalize exactly what it is they need to provide to the bank as well as the documentation and also forms that they need to complete,\" Pun said.\u003c/p>\n\u003cp>Businesses that were approved for the SBA loan have eight weeks to \u003ca href=\"https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program\">spend 75% of that loan on payroll\u003c/a>. But some shelter-in-place restrictions have prohibited businesses from opening. Jeff Bellisario, executive director of the Bay Area Council Economic Institute, said non-essential businesses are affected the most by these restrictions, and their recovery will be likely be slow.\u003c/p>\n\u003cp>\"I think you're going to see many small businesses going out of business and potentially having an impact then on the banking system,\" Bellisario said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Editor's note: KQED is among the local businesses and media organizations that have received a Paycheck Protection Program loan. This helps us continue to provide essential information and service to our audiences during the COVID-19 pandemic.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"California is leading the nation with more than $66 billion in PPP loans as of May 16th, doubling what the state received during the first round.","status":"publish","parent":0,"modified":1590187204,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":19,"wordCount":651},"headData":{"title":"California's Small Businesses Just Received the Most PPP Funding in the US | KQED","description":"California is leading the nation with more than $66 billion in PPP loans as of May 16th, doubling what the state received during the first round.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11820229 https://ww2.kqed.org/news/?p=11820229","disqusUrl":"https://ww2.kqed.org/news/2020/05/22/californias-small-businesses-just-received-the-most-ppp-funding-in-the-us/","disqusTitle":"California's Small Businesses Just Received the Most PPP Funding in the US","audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/5f48c845-4b80-49e7-a8e0-abc30138c3c1/audio.mp3","path":"/news/11820229/californias-small-businesses-just-received-the-most-ppp-funding-in-the-us","audioDuration":184000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California received the \u003ca href=\"https://www.sba.gov/sites/default/files/2020-05/PPP_Report_Net_200518.pdf\">highest number\u003c/a> of approved Paycheck Protection Program loans during the second round of funding, according to a recent report from the Small Business Administration. And most of those loans came from smaller banks.\u003c/p>\n\u003cp>One of those small lenders is the California-based community bank GBC International. Yvonne Pun is a commercial banking manager there and oversees its Northern California branches. She said that when the first round of PPP funding started, it was a mad dash for her team.\u003c/p>\n\u003cp>\"We would start the day from 7 a.m. in the morning, and there were times when we did not leave our office until after midnight — just to push through the applications,\" Pun said.\u003c/p>\n\u003cp>Pun's office filed hundreds of applications for local businesses, but feels her small bank was at a disadvantage to bigger banks — where teams of coders wrote software to fill out applications in the Small Business Administration's E-Tran system automatically.\u003c/p>\n\u003cp>GBC International doesn't have those resources.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"Every application that gets sent to us, we review it manually,\" Pun said. \"We double check that every line of the application is correct.\"\u003c/p>\n\u003cp>Within just two weeks, more than \u003ca href=\"https://home.treasury.gov/system/files/136/SBA%20PPP%20Loan%20Report%20Deck.pdf\">$340 billion\u003c/a> in the first round evaporated, in part because a chunk of that money went to bigger companies well-connected to those bigger banks that muscled their way to the front of the line. Some of those companies were \u003ca href=\"https://www.cnn.com/2020/04/20/business/shake-shack-ppp-loan-sba/index.html\">embarrassed\u003c/a> into giving the loan back, and the SBA has since put more restrictions in place to ensure small businesses get the loans.\u003c/p>\n\u003cp>Pun said this second round of funding has been a different story for her team.\u003c/p>\n\u003cp>\"The second-round process is smoother because now we know exactly what SBA is looking for,\" Pun said.\u003c/p>\n\u003cp>Now, California is leading the nation with more than $66 billion in PPP loans as of May 16, \u003ca href=\"https://home.treasury.gov/system/files/136/SBA%20PPP%20Loan%20Report%20Deck.pdf\">doubling what the state received\u003c/a> during the first round.\u003c/p>\n\u003cp>Noah Yosif, assistant vice president for economic policy and research and deputy chief economist at the \u003ca href=\"https://www.icba.org/home\">Independent Community Bankers of America\u003c/a>, said that fund distribution makes perfect sense to him. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"paycheck-protection-program","label":"related coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"A lot of these small businesses were able to get into the second round,\" Yosif said. \"States that had a large \u003ca href=\"https://cdn.advocacy.sba.gov/wp-content/uploads/2019/04/23142641/2019-Small-Business-Profiles-CA.pdf\">small business presence\u003c/a>, like California, were unable to be served during round one. [During the second round] where there's small businesses, there should be more PPP loans.\"\u003c/p>\n\u003cp>But the process still isn't smooth sailing for smaller banks. Just as community banks have started to master the PPP loan process, they're having to shift their focus to loan forgiveness. Pun expects her clients to start that process as early as the first week of June. Pun doesn't want the loan forgiveness process to be a mad dash like the first round of PPP funding, so she's working with the SBA to clarify the rules.\u003c/p>\n\u003cp>\"We're still trying to finalize exactly what it is they need to provide to the bank as well as the documentation and also forms that they need to complete,\" Pun said.\u003c/p>\n\u003cp>Businesses that were approved for the SBA loan have eight weeks to \u003ca href=\"https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program\">spend 75% of that loan on payroll\u003c/a>. But some shelter-in-place restrictions have prohibited businesses from opening. Jeff Bellisario, executive director of the Bay Area Council Economic Institute, said non-essential businesses are affected the most by these restrictions, and their recovery will be likely be slow.\u003c/p>\n\u003cp>\"I think you're going to see many small businesses going out of business and potentially having an impact then on the banking system,\" Bellisario said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Editor's note: KQED is among the local businesses and media organizations that have received a Paycheck Protection Program loan. This helps us continue to provide essential information and service to our audiences during the COVID-19 pandemic.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11820229/californias-small-businesses-just-received-the-most-ppp-funding-in-the-us","authors":["11672"],"categories":["news_1758","news_8"],"tags":["news_27510","news_69","news_20178","news_27814","news_353","news_20920"],"featImg":"news_11820256","label":"news"},"news_11805826":{"type":"posts","id":"news_11805826","meta":{"index":"posts_1591205157","site":"news","id":"11805826","score":null,"sort":[1583785374000]},"guestAuthors":[],"slug":"wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress","title":"Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress","publishDate":1583785374,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>Two Wells Fargo board members have resigned, including Chairwoman Elizabeth Duke, the bank announced Monday. The departures come days after a House committee report found the bank has been too slow to reform itself in the wake of a series of scandals — including widespread fraud in the consumer banking business tied to overly aggressive sales goals.\u003c/p>\n\u003cp>Duke, who is known to many as Betsy, was elected chair of the bank's board effective January 2018. She had previously served as vice chair between October 2016 and December 2017. Wells Fargo said her resignation and that of another board member, James Quigley, \u003ca href=\"https://www.businesswire.com/news/home/20200309005376/en/Elizabeth-A.-Duke-James-H.-Quigley-Resign\">were effective Sunday\u003c/a>.\u003c/p>\n\u003cp>Wells Fargo has \u003ca href=\"https://www.npr.org/series/508986161/investigating-the-wells-fargo-scandal\">endured a cascade of scandals\u003c/a> in recent years. The bank last month agreed to \u003ca href=\"https://www.npr.org/2020/02/21/808205303/wells-fargo-paying-3-billion-to-settle-u-s-case-over-illegal-sales-practices\">pay $3 billion\u003c/a> to settle charges of collection fees for bank accounts, credit cards and other products worth millions from customers who didn't need or request the services. [aside tag=\"wells-fargo\" label=\"more coverage\"]\u003c/p>\n\u003cp>In 2016, the bank was order to pay \u003ca href=\"https://www.npr.org/sections/thetwo-way/2016/09/08/493130449/wells-fargo-to-pay-around-190-million-over-fake-accounts-that-sparked-bonuses\">$185 million in fines and penalties\u003c/a> after investigators found Wells Fargo employees opened as many as 2 million unauthorized accounts without customer authorization. The following year Wells Fargo announced that an outside review uncovered an \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/08/31/547550804/wells-fargo-admits-to-nearly-twice-as-many-possible-fake-accounts-3-5-million\">additional 1.4 million potentially bogus accounts\u003c/a>, bringing the total to 3.5 million.\u003c/p>\n\u003cp>Both Quigley and Duke were scheduled to appear before the House Financial Services Committee on Wednesday. It wasn't immediately clear if they are still expected to testify. Last week, Democrats on that committee released an \u003ca href=\"https://financialservices.house.gov/uploadedfiles/wells_fargo_staff_report_final_mm.pdf\">investigative report\u003c/a> called \"The Real Wells Fargo: Board & Management Failures, Consumer Abuses and Ineffective Regulatory Oversight.\"\u003c/p>\n\u003cp>According to the report's executive summary, Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"\u003c/p>\n\u003cp>It continues: \"As a result, Wells Fargo's customers have been exposed to countless abuses, including racial discrimination, wrongful foreclosure, illegal vehicle repossession, and fraudulently opened accounts.\"\u003c/p>\n\u003cp>The report also highlighted a 2017 remark from Duke in which she appeared to raise questions about why she was being included on messages from the Consumer Financial Protection Bureau requesting that Wells Fargo take certain actions to improve bank operations.\u003c/p>\n\u003cp>\"Why are you sending it to me, the board, rather than the department manager?\" asked Duke, who was then vice chair of the bank's board, according to the House report.\u003c/p>\n\u003cp>In a joint statement, Duke and Quigley said they were stepping down from their posts to \"avoid distraction\" and allow \u003ca href=\"https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-names-charles-w-scharf-chief-executive-officer\">Charles Scharf\u003c/a>, who was named CEO and president of Wells Fargo in September, the \"ability to turn the page.\"\u003c/p>\n\u003cp>\"Out of continued loyalty to Wells Fargo and ongoing commitment to serve our customers and employees, we recommended to our colleagues on the Board that we step down from our leadership roles and they have accepted our resignation from the Board. We believe that our decision will facilitate the bank's and the new CEO's ability to turn the page and avoid distraction that could impede the bank's future progress,\" Duke and Quigley said in the statement. [ad fullwidth]\u003c/p>\n\u003cp>Republicans on the House Financial Services Committee issued \u003ca href=\"https://republicans-financialservices.house.gov/uploadedfiles/republican_staff_report_on_wells_fargo.pdf\">their own report\u003c/a> on Wells Fargo last week. While the committee's minority found the bank failed to \"implement an enterprise-wide risk management framework,\" it also placed some blame on federal regulators, who it says were \"slow to take action that could have prevented further consumer abuses by Wells Fargo.\"\u003c/p>\n\u003cp>The report added that Scharf's stated emphasis on complying with regulators \"above all else gives the bank its best chance to move beyond the sales practices scandal and other consumer abuses that have plagued the bank for nearly 20 years.\"\u003c/p>\n\u003cp>House Financial Services Chairwoman Rep. Maxine Waters, D-California, had previously called for both Quigley and Duke to resign, adding they had \"failed in their responsibilities,\" \u003ca href=\"https://thehill.com/policy/finance/486119-waters-calls-for-resignation-of-two-wells-fargo-directors-floats-criminal\">The Hill\u003c/a> reported last week.\u003c/p>\n\u003cp>It's unclear if the Wednesday hearing, titled \"Holding Wells Fargo Accountable,\" will continue as previously planned now that both Duke and Quigley no longer hold their positions.\u003c/p>\n\u003cp>Scharf, the CEO, is expected to testify before the committee on Tuesday.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Editors note:\u003c/em>\u003c/strong>\u003cem> Wells Fargo has been a corporate sponsor of NPR. \u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2020 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Wells+Fargo+Officials+Resign+Days+Before+They+Were+Set+To+Testify+Before+Congress&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Democrats last week said Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"","status":"publish","parent":0,"modified":1583877068,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":18,"wordCount":703},"headData":{"title":"Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress | KQED","description":"Democrats last week said Wells Fargo was slow to "correct serious deficiencies in its infrastructure for managing risks to consumers."","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11805826 https://ww2.kqed.org/news/?p=11805826","disqusUrl":"https://ww2.kqed.org/news/2020/03/09/wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress/","disqusTitle":"Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress","source":"NPR","sourceUrl":"https://www.npr.org","nprImageCredit":"Smith Collection/Gado","nprByline":"\u003ca href=\"https://www.npr.org/people/348744480/brakkton-booker\">Brakkton Booker\u003c/a>","nprImageAgency":"Getty Images","nprStoryId":"813632098","nprApiLink":"http://api.npr.org/query?id=813632098&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2020/03/09/813632098/wells-fargo-board-members-resign-days-before-set-to-testify-before-congress?ft=nprml&f=813632098","nprRetrievedStory":"1","nprPubDate":"Mon, 09 Mar 2020 13:25:00 -0400","nprStoryDate":"Mon, 09 Mar 2020 12:30:49 -0400","nprLastModifiedDate":"Mon, 09 Mar 2020 13:25:12 -0400","path":"/news/11805826/wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Two Wells Fargo board members have resigned, including Chairwoman Elizabeth Duke, the bank announced Monday. The departures come days after a House committee report found the bank has been too slow to reform itself in the wake of a series of scandals — including widespread fraud in the consumer banking business tied to overly aggressive sales goals.\u003c/p>\n\u003cp>Duke, who is known to many as Betsy, was elected chair of the bank's board effective January 2018. She had previously served as vice chair between October 2016 and December 2017. Wells Fargo said her resignation and that of another board member, James Quigley, \u003ca href=\"https://www.businesswire.com/news/home/20200309005376/en/Elizabeth-A.-Duke-James-H.-Quigley-Resign\">were effective Sunday\u003c/a>.\u003c/p>\n\u003cp>Wells Fargo has \u003ca href=\"https://www.npr.org/series/508986161/investigating-the-wells-fargo-scandal\">endured a cascade of scandals\u003c/a> in recent years. The bank last month agreed to \u003ca href=\"https://www.npr.org/2020/02/21/808205303/wells-fargo-paying-3-billion-to-settle-u-s-case-over-illegal-sales-practices\">pay $3 billion\u003c/a> to settle charges of collection fees for bank accounts, credit cards and other products worth millions from customers who didn't need or request the services. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"wells-fargo","label":"more coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In 2016, the bank was order to pay \u003ca href=\"https://www.npr.org/sections/thetwo-way/2016/09/08/493130449/wells-fargo-to-pay-around-190-million-over-fake-accounts-that-sparked-bonuses\">$185 million in fines and penalties\u003c/a> after investigators found Wells Fargo employees opened as many as 2 million unauthorized accounts without customer authorization. The following year Wells Fargo announced that an outside review uncovered an \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/08/31/547550804/wells-fargo-admits-to-nearly-twice-as-many-possible-fake-accounts-3-5-million\">additional 1.4 million potentially bogus accounts\u003c/a>, bringing the total to 3.5 million.\u003c/p>\n\u003cp>Both Quigley and Duke were scheduled to appear before the House Financial Services Committee on Wednesday. It wasn't immediately clear if they are still expected to testify. Last week, Democrats on that committee released an \u003ca href=\"https://financialservices.house.gov/uploadedfiles/wells_fargo_staff_report_final_mm.pdf\">investigative report\u003c/a> called \"The Real Wells Fargo: Board & Management Failures, Consumer Abuses and Ineffective Regulatory Oversight.\"\u003c/p>\n\u003cp>According to the report's executive summary, Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"\u003c/p>\n\u003cp>It continues: \"As a result, Wells Fargo's customers have been exposed to countless abuses, including racial discrimination, wrongful foreclosure, illegal vehicle repossession, and fraudulently opened accounts.\"\u003c/p>\n\u003cp>The report also highlighted a 2017 remark from Duke in which she appeared to raise questions about why she was being included on messages from the Consumer Financial Protection Bureau requesting that Wells Fargo take certain actions to improve bank operations.\u003c/p>\n\u003cp>\"Why are you sending it to me, the board, rather than the department manager?\" asked Duke, who was then vice chair of the bank's board, according to the House report.\u003c/p>\n\u003cp>In a joint statement, Duke and Quigley said they were stepping down from their posts to \"avoid distraction\" and allow \u003ca href=\"https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-names-charles-w-scharf-chief-executive-officer\">Charles Scharf\u003c/a>, who was named CEO and president of Wells Fargo in September, the \"ability to turn the page.\"\u003c/p>\n\u003cp>\"Out of continued loyalty to Wells Fargo and ongoing commitment to serve our customers and employees, we recommended to our colleagues on the Board that we step down from our leadership roles and they have accepted our resignation from the Board. We believe that our decision will facilitate the bank's and the new CEO's ability to turn the page and avoid distraction that could impede the bank's future progress,\" Duke and Quigley said in the statement. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Republicans on the House Financial Services Committee issued \u003ca href=\"https://republicans-financialservices.house.gov/uploadedfiles/republican_staff_report_on_wells_fargo.pdf\">their own report\u003c/a> on Wells Fargo last week. While the committee's minority found the bank failed to \"implement an enterprise-wide risk management framework,\" it also placed some blame on federal regulators, who it says were \"slow to take action that could have prevented further consumer abuses by Wells Fargo.\"\u003c/p>\n\u003cp>The report added that Scharf's stated emphasis on complying with regulators \"above all else gives the bank its best chance to move beyond the sales practices scandal and other consumer abuses that have plagued the bank for nearly 20 years.\"\u003c/p>\n\u003cp>House Financial Services Chairwoman Rep. Maxine Waters, D-California, had previously called for both Quigley and Duke to resign, adding they had \"failed in their responsibilities,\" \u003ca href=\"https://thehill.com/policy/finance/486119-waters-calls-for-resignation-of-two-wells-fargo-directors-floats-criminal\">The Hill\u003c/a> reported last week.\u003c/p>\n\u003cp>It's unclear if the Wednesday hearing, titled \"Holding Wells Fargo Accountable,\" will continue as previously planned now that both Duke and Quigley no longer hold their positions.\u003c/p>\n\u003cp>Scharf, the CEO, is expected to testify before the committee on Tuesday.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Editors note:\u003c/em>\u003c/strong>\u003cem> Wells Fargo has been a corporate sponsor of NPR. \u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2020 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Wells+Fargo+Officials+Resign+Days+Before+They+Were+Set+To+Testify+Before+Congress&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11805826/wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress","authors":["byline_news_11805826"],"categories":["news_1758","news_6188","news_8"],"tags":["news_69","news_18538","news_18545","news_2619","news_2424"],"featImg":"news_11805827","label":"source_news_11805826"},"news_11751924":{"type":"posts","id":"news_11751924","meta":{"index":"posts_1591205157","site":"news","id":"11751924","score":null,"sort":[1559509057000]},"guestAuthors":[],"slug":"could-capping-interest-rates-curb-poverty-rates-in-california","title":"Could Capping Interest Rates Curb Poverty Rates in California?","publishDate":1559509057,"format":"standard","headTitle":"CALmatters | KQED News","labelTerm":{},"content":"\u003cp>Last month, the Federal Reserve System \u003ca href=\"https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf\" target=\"_blank\" rel=\"noopener\">issued a report\u003c/a> on “the economic well-being of U.S. households,” and it contained a rather disturbing bit of data.\u003c/p>\n\u003cp>“If faced with an unexpected expense of $400,” a survey of American households found, “61% of adults say they would cover it with cash, savings, or a credit card paid off at the next statement – a modest improvement from the prior year.”\u003c/p>\n\u003cp>Turning that around, 39% of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit. The survey found that two-thirds of them “would borrow or sell something to pay for the expense” and the remainder “would not be able to cover the expense at all.”\u003c/p>\n\u003cp>[aside tag='predatory-lending' label='More on small-dollar credit']Not surprisingly, that 39% number coincides rather neatly – if unfortunately – with poverty in California.\u003c/p>\n\u003cp>The Census Bureau says that California has the nation’s highest level of poverty when the cost of living is included in the calculation, with about 20% of its 40 million residents impoverished. The Public Policy Institute of California, using a similar methodology, calculates that another 20% are living in “near-poverty.”\u003c/p>\n\u003cp>It’s not a stretch to conclude, therefore, that the 40% of Californians in economic distress probably are incapable of meeting a sudden $400 expense -- which brings us to \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\" rel=\"noopener\">Assembly Bill 539\u003c/a>, which passed the Assembly on a 60-4 vote on the same day that the Federal Reserve report was released.\u003c/p>\n\u003cp>The measure, carried by Assemblywoman Monique Limón, a Santa Barbara Democrat, is aimed at curbing the very high-interest loans that poor Californians often take out to meet their living costs because they are unable to qualify for conventional credit.\u003c/p>\n\u003cp>It would place a 36% annual interest rate cap on loans made by state-licensed lenders, more than a third of which have interest rates above 100%, according to the Department of Business Oversight.\u003c/p>\n\u003cp>Such ultra-high rates are, a legislative analysis of the bill says, “a relatively new phenomenon in California,” growing from 8,468 such loans in 2009 to more than 350,000 per year now, totaling more than $1 billion.\u003c/p>\n\u003cp>[aside tag='poverty' label='Poverty in California']Critics call it “predatory lending” that takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. Unable to afford the high payments such loans demand, their unpaid balances are often folded into new loans with high fees and interest.\u003c/p>\n\u003cp>Limón says she wants to affect the “small number of lenders” that specialize in such loans. “I’ve worked hard to find a compromise,” she told the Assembly, saying her bill would “benefit both consumers and responsible lenders alike.”\u003c/p>\n\u003cp>The legislation, now pending in the Senate, is clearly a sincere effort to protect the poor. However, it does nothing about the underlying fact that so many Californians live on the edges of financial precipices and turn to high-interest lenders in desperation when cars break down, when landlords demand rent, or when some other sudden expense rears its ugly head.\u003c/p>\n\u003cp>The bill is one of dozens of legislative measures that seek to alleviate the effects of California’s embarrassingly high poverty. There is, however, not nearly enough political action on poverty at the source -- such as building more housing to bring down its cost, getting more kids through high school, improving skills to fill well-paying jobs now going unfilled for a lack of trained workers, and/or making California more attractive to investment in more jobs.\u003c/p>\n\u003cp>We sometimes lose sight of the well-proven fact that the best anti-poverty program is a good job.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Thirty-nine percent of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit.","status":"publish","parent":0,"modified":1559605046,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":658},"headData":{"title":"Could Capping Interest Rates Curb Poverty Rates in California? | KQED","description":"Thirty-nine percent of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11751924 https://ww2.kqed.org/news/?p=11751924","disqusUrl":"https://ww2.kqed.org/news/2019/06/02/could-capping-interest-rates-curb-poverty-rates-in-california/","disqusTitle":"Could Capping Interest Rates Curb Poverty Rates in California?","source":"CALMATTERS","nprByline":"\u003cstrong>Dan Walters\u003c/strong>","path":"/news/11751924/could-capping-interest-rates-curb-poverty-rates-in-california","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Last month, the Federal Reserve System \u003ca href=\"https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf\" target=\"_blank\" rel=\"noopener\">issued a report\u003c/a> on “the economic well-being of U.S. households,” and it contained a rather disturbing bit of data.\u003c/p>\n\u003cp>“If faced with an unexpected expense of $400,” a survey of American households found, “61% of adults say they would cover it with cash, savings, or a credit card paid off at the next statement – a modest improvement from the prior year.”\u003c/p>\n\u003cp>Turning that around, 39% of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit. The survey found that two-thirds of them “would borrow or sell something to pay for the expense” and the remainder “would not be able to cover the expense at all.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"predatory-lending","label":"More on small-dollar credit "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Not surprisingly, that 39% number coincides rather neatly – if unfortunately – with poverty in California.\u003c/p>\n\u003cp>The Census Bureau says that California has the nation’s highest level of poverty when the cost of living is included in the calculation, with about 20% of its 40 million residents impoverished. The Public Policy Institute of California, using a similar methodology, calculates that another 20% are living in “near-poverty.”\u003c/p>\n\u003cp>It’s not a stretch to conclude, therefore, that the 40% of Californians in economic distress probably are incapable of meeting a sudden $400 expense -- which brings us to \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\" rel=\"noopener\">Assembly Bill 539\u003c/a>, which passed the Assembly on a 60-4 vote on the same day that the Federal Reserve report was released.\u003c/p>\n\u003cp>The measure, carried by Assemblywoman Monique Limón, a Santa Barbara Democrat, is aimed at curbing the very high-interest loans that poor Californians often take out to meet their living costs because they are unable to qualify for conventional credit.\u003c/p>\n\u003cp>It would place a 36% annual interest rate cap on loans made by state-licensed lenders, more than a third of which have interest rates above 100%, according to the Department of Business Oversight.\u003c/p>\n\u003cp>Such ultra-high rates are, a legislative analysis of the bill says, “a relatively new phenomenon in California,” growing from 8,468 such loans in 2009 to more than 350,000 per year now, totaling more than $1 billion.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"poverty","label":"Poverty in California "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Critics call it “predatory lending” that takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. Unable to afford the high payments such loans demand, their unpaid balances are often folded into new loans with high fees and interest.\u003c/p>\n\u003cp>Limón says she wants to affect the “small number of lenders” that specialize in such loans. “I’ve worked hard to find a compromise,” she told the Assembly, saying her bill would “benefit both consumers and responsible lenders alike.”\u003c/p>\n\u003cp>The legislation, now pending in the Senate, is clearly a sincere effort to protect the poor. However, it does nothing about the underlying fact that so many Californians live on the edges of financial precipices and turn to high-interest lenders in desperation when cars break down, when landlords demand rent, or when some other sudden expense rears its ugly head.\u003c/p>\n\u003cp>The bill is one of dozens of legislative measures that seek to alleviate the effects of California’s embarrassingly high poverty. There is, however, not nearly enough political action on poverty at the source -- such as building more housing to bring down its cost, getting more kids through high school, improving skills to fill well-paying jobs now going unfilled for a lack of trained workers, and/or making California more attractive to investment in more jobs.\u003c/p>\n\u003cp>We sometimes lose sight of the well-proven fact that the best anti-poverty program is a good job.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11751924/could-capping-interest-rates-curb-poverty-rates-in-california","authors":["byline_news_11751924"],"categories":["news_1758","news_8"],"tags":["news_69","news_18538","news_25866","news_1585","news_20704"],"affiliates":["news_18481"],"featImg":"news_11751927","label":"source_news_11751924"},"news_11664675":{"type":"posts","id":"news_11664675","meta":{"index":"posts_1591205157","site":"news","id":"11664675","score":null,"sort":[1524760211000]},"guestAuthors":[],"slug":"a-cannabis-banking-system-for-california-effort-moves-forward-in-senate","title":"A Cannabis Banking System for California? Effort Moves Forward in Senate","publishDate":1524760211,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>California cannabis businesses are hopeful a bill making its way through the state Legislature could provide them with some \u003ca href=\"https://www.kqed.org/news/11647144/should-california-create-a-public-bank-for-cannabis-businesses\" target=\"_blank\">banking solutions\u003c/a>. \u003c/p>\n\u003cp>Because it’s still illegal to use marijuana under federal law, most banks won’t work with cannabis businesses -- and that means the industry operates largely in cash.\u003c/p>\n\u003cp>A bill from state Sen. Bob Hertzberg (D-Van Nuys), \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB930\" target=\"_blank\" rel=\"noopener\">Senate Bill 930\u003c/a>, would create a closed system of banks and credit unions that would deal exclusively with marijuana businesses based within California. \u003c/p>\n\u003cp>Cannabis businesses would also be required to get private insurance, since they would not be backed by the \u003ca href=\"https://www.fdic.gov/\" target=\"_blank\" rel=\"noopener\">Federal Deposit Insurance Corporation (FDIC)\u003c/a>. \u003c/p>\n\u003cp>Hertzberg said the network would have to be essentially walled off from the traditional banking system.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"What I’m trying to do is get as much cash into vaults as possible,\" he said. \"Get the government paid as much as possible and take as much public safety risk out of the system as possible.”\u003c/p>\n\u003cp>Under the measure -- which has now cleared two Senate committees -- the cannabis banks and credit unions could only perform specific functions, such as taking deposits and issuing special-purpose checks. They would not be able to offer loans.\u003c/p>\n\u003cp>Amy O'Gorman Jenkins, senior policy director of the \u003ca href=\"http://www.cacannabisindustry.org/\" target=\"_blank\" rel=\"noopener\">California Cannabis Industry Association\u003c/a>, said the industry has billions of dollars in sales, yet is essentially shut out of the current banking system. And that can create some huge headaches. For instance, she said one association member recently submitted a million-dollar tax payment to the state -- all of it in cash.\u003c/p>\n\u003cp>\"It took multiple cars,\" she said. \"It took two days to count.\"\u003c/p>\n\u003cp>Jenkins said, aside from being inefficient, handling that much cash also poses a serious threat of theft and violence.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The bill now moves to the Senate Appropriations Committee.\u003c/p>\n\n","blocks":[],"excerpt":"A bill to create a closed system of banks and credit unions that would deal exclusively with marijuana businesses has cleared two state Senate committees.","status":"publish","parent":0,"modified":1524768572,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":13,"wordCount":310},"headData":{"title":"A Cannabis Banking System for California? Effort Moves Forward in Senate | KQED","description":"A bill to create a closed system of banks and credit unions that would deal exclusively with marijuana businesses has cleared two state Senate committees.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11664675 https://ww2.kqed.org/news/?p=11664675","disqusUrl":"https://ww2.kqed.org/news/2018/04/26/a-cannabis-banking-system-for-california-effort-moves-forward-in-senate/","disqusTitle":"A Cannabis Banking System for California? Effort Moves Forward in Senate","audioUrl":"https://www.kqed.org/.stream/anon/radio/tcr/2018/04/OrrCannabisBank.mp3","path":"/news/11664675/a-cannabis-banking-system-for-california-effort-moves-forward-in-senate","audioDuration":76000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California cannabis businesses are hopeful a bill making its way through the state Legislature could provide them with some \u003ca href=\"https://www.kqed.org/news/11647144/should-california-create-a-public-bank-for-cannabis-businesses\" target=\"_blank\">banking solutions\u003c/a>. \u003c/p>\n\u003cp>Because it’s still illegal to use marijuana under federal law, most banks won’t work with cannabis businesses -- and that means the industry operates largely in cash.\u003c/p>\n\u003cp>A bill from state Sen. Bob Hertzberg (D-Van Nuys), \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB930\" target=\"_blank\" rel=\"noopener\">Senate Bill 930\u003c/a>, would create a closed system of banks and credit unions that would deal exclusively with marijuana businesses based within California. \u003c/p>\n\u003cp>Cannabis businesses would also be required to get private insurance, since they would not be backed by the \u003ca href=\"https://www.fdic.gov/\" target=\"_blank\" rel=\"noopener\">Federal Deposit Insurance Corporation (FDIC)\u003c/a>. \u003c/p>\n\u003cp>Hertzberg said the network would have to be essentially walled off from the traditional banking system.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"What I’m trying to do is get as much cash into vaults as possible,\" he said. \"Get the government paid as much as possible and take as much public safety risk out of the system as possible.”\u003c/p>\n\u003cp>Under the measure -- which has now cleared two Senate committees -- the cannabis banks and credit unions could only perform specific functions, such as taking deposits and issuing special-purpose checks. They would not be able to offer loans.\u003c/p>\n\u003cp>Amy O'Gorman Jenkins, senior policy director of the \u003ca href=\"http://www.cacannabisindustry.org/\" target=\"_blank\" rel=\"noopener\">California Cannabis Industry Association\u003c/a>, said the industry has billions of dollars in sales, yet is essentially shut out of the current banking system. And that can create some huge headaches. For instance, she said one association member recently submitted a million-dollar tax payment to the state -- all of it in cash.\u003c/p>\n\u003cp>\"It took multiple cars,\" she said. \"It took two days to count.\"\u003c/p>\n\u003cp>Jenkins said, aside from being inefficient, handling that much cash also poses a serious threat of theft and violence.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The bill now moves to the Senate Appropriations Committee.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11664675/a-cannabis-banking-system-for-california-effort-moves-forward-in-senate","authors":["11200"],"programs":["news_72"],"categories":["news_1758","news_6188","news_8","news_13"],"tags":["news_21368","news_69","news_20719","news_19963","news_102","news_20089","news_3883","news_17286"],"featImg":"news_11629081","label":"news_72"},"news_11450958":{"type":"posts","id":"news_11450958","meta":{"index":"posts_1591205157","site":"news","id":"11450958","score":null,"sort":[1495179022000]},"guestAuthors":[],"slug":"why-are-fewer-loans-going-to-minority-business-owners","title":"Why Are Fewer Loans Going to Minority Business Owners?","publishDate":1495179022,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>It took Leonard Stephens more than three months to get ready to apply for a loan guaranteed by the Small Business Administration to expand his Oakland-based media company, OUR TV.\u003c/p>\n\u003cp>On a recent day, OUR TV's programming included documentaries about celebrities like Michael Jordan and James Brown, high school games in the Oakland Athletic League and locally produced talk shows featuring black entrepreneurs and professionals.\u003c/p>\n\u003cp>The goal is to \"inspire\" and entertain the hundreds of thousands of Bay Area households that OUR TV reaches through cable channels, said Stephens. Viewership is increasing through the company's online streaming as well, he added.\u003c/p>\n\u003cp>\"People are watching us all over the world. I looked at the analytics yesterday,\" said Stephens, who plans to use the $500,000 loan he is applying for to build infrastructure and hire employees to reach audiences in Houston, Detroit and other cities. \"The loan is very key. You have to have finances to be able to expand.\"\u003c/p>\n\u003cp>If Stephens succeeds, he will become one of the few African-Americans receiving SBA loans in California.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The SBA, which aims to help support small businesses so they can create more jobs, guaranteed $5.1 billion in loans in California last year -- most of it through large banks. Only about 2 percent of those borrowers were African-Americans, a sharp drop from pre-recession levels. Latinos, who own more than 23 percent of businesses in the state, received just 13 percent of those loans.\u003c/p>\n\u003cp>Officials at the SBA say it's challenging to increase sound credit for entrepreneurs in the communities hardest hit by the Great Recession. They argue the agency is trying to expand its efforts to extend more loans to minority business owners through institutions other than banks, especially in lower-income areas.\u003c/p>\n\u003cp>Critics counter that the federal agency should do more to increase the flow of capital to Latino and African-American businesses, which are an \u003ca href=\"https://www.mbda.gov/news/press-releases/2015/08/us-minority-owned-firms-continue-outpace-growth-nonminority-owned-firms\" target=\"_blank\" rel=\"noopener noreferrer\">increasing share\u003c/a> of the U.S. economy, but are \u003ca href=\"http://www.kauffman.org/microsites/state-of-the-field/topics/background-of-entrepreneurs/demographics/race\" target=\"_blank\" rel=\"noopener noreferrer\">more likely to fail\u003c/a> partly because of lower access to capital.\u003c/p>\n\u003cp>[SBALoans]\u003c/p>\n\u003cp>\u003cstrong>Navigating a Bank Loan Application\u003c/strong>\u003c/p>\n\u003cp>The SBA guarantees loans for up to $5 million. If the borrower doesn't repay, the agency promises to cover between 75 and 85 percent of the tab. The goal is to encourage banks and other lenders to take a greater risk on borrowers who have growth potential, but might not ordinarily qualify for financing.\u003c/p>\n\u003cp>That's why Stephens, a member of the Oakland African American Chamber of Commerce, believes he has a greater chance of qualifying for an SBA-backed loan than a regular bank loan.\u003c/p>\n\u003cfigure id=\"attachment_11463434\" class=\"wp-caption alignnone\" style=\"max-width: 2952px\">\u003cimg class=\"wp-image-11463434 size-full\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25330_alt_581.jpg\" alt=\"\" width=\"2952\" height=\"2252\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581.jpg 2952w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-160x122.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-800x610.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-1020x778.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-1920x1465.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-1180x900.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-960x732.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-240x183.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-375x286.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-520x397.jpg 520w\" sizes=\"(max-width: 2952px) 100vw, 2952px\">\u003cfigcaption class=\"wp-caption-text\">Keith Curry clips a microphone on Ash Solar, from the nonprofit GO Public Schools, as host Robert Harris looks on at the set of OUR TV's \"All About Community\" show on March 14, 2017. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>At the outset, Stephens consulted with friends and his mother, who worked at a large bank for 42 years, about the best strategy to pursue financing.\u003c/p>\n\u003cp>Stephens has financed OUR TV through sponsorships, the rental of airtime, and savings from a separate consulting business. He knew the loan application process could be difficult.\u003c/p>\n\u003cp>Minorities are less likely to apply for bank loans for fear of rejection, \u003ca href=\"http://journals.sagepub.com/doi/abs/10.1177/0891242415620484\" target=\"_blank\" rel=\"noopener noreferrer\">according\u003c/a> to various studies. When they do apply, they get turned down more frequently than equally creditworthy white-owned firms.\u003c/p>\n\u003cp>Stephens decided he needed to enlist extra help in order to apply: He hired brokers.\u003c/p>\n\u003cp>\"The brokers are there to utilize some of the banks they've worked with before, that they have a good relationship with,\" said Stephens, who hired the same firm recommended by a friend who got a loan. \"A lot of things that they've told me make a lot of sense.\"\u003c/p>\n\u003cp>Their advice included submitting the application to local community banks, instead of national ones, and paying for an accountant to organize years' worth of OUR TV's financial documents.\u003c/p>\n\u003cp>So far, Stephens says he has paid $30,000 to the accountant and brokers in his bid.\u003c/p>\n\u003cp>\"I've invested a lot of money on these brokers,\" said Stephens, who is waiting to hear back from the SBA and bank on his loan application. \"Talk to me in a few weeks, and then I'll have a better, bigger perspective and hopefully a bigger smile on my face by then.\"\u003c/p>\n\u003cp>\u003cstrong>System 'Not Working,' Say Critics\u003c/strong>\u003c/p>\n\u003cp>The SBA is the only federal agency collecting data on bank business loans by ethnicity. The small percentage of minorities among SBA borrowers is a troubling sign for the U.S. economy, said Alicia Robb, an economist who studies minority-owned enterprises and is a researcher at UC Berkeley.\u003c/p>\n\u003cp>\"We are looking at a system that's not working,\" Robb said. \"The whole reason for the SBA program is to try and get people who are underrepresented in business lending to get these kinds of loans.\"\u003c/p>\n\u003cp>Nationwide, the number of minority-owned firms has grown significantly to become about 29 percent of all businesses, \u003ca href=\"https://www.sba.gov/sites/default/files/advocacy/Minority-Owned-Businesses-in-the-US.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">according to the U.S. Census.\u003c/a> But African-American and Latino-owned startups have higher failure rates than other enterprises partly because of lower access to capital, \u003ca href=\"http://www.kauffman.org/what-we-do/resources/entrepreneurship-policy-digest/including-people-of-color-in-the-promise-of-entrepreneurship\" target=\"_blank\" rel=\"noopener noreferrer\">according to research.\u003c/a>\u003c/p>\n\u003cp>\"We need the government to really focus on these huge gaps that we see in the market,\" Robb said. \"If these minority businesses had the capital they need, they could create more jobs in their communities.\"\u003c/p>\n\u003cp>\u003cstrong>The SBA Responds\u003c/strong>\u003c/p>\n\u003cp>Minority entrepreneurs in lower-income communities have been less able to compete for loans from big banks because of lingering impacts from the Great Recession, said Mark Quinn, who directs the SBA for Northern California.\u003c/p>\n\u003cp>\"Low-income communities had credit scores affected, lenders became more conservative, regulators told lenders they wanted to see more cautious lending,\" Quinn said. \"That combination has ended up reducing the amount and share of our lending to African-American and Latino businesses.\"\u003c/p>\n\u003cp>Those who lost homes -- often their largest asset -- during the recession also lost the ability to use those properties as collateral for loans from financial institutions.\u003c/p>\n\u003cp>At the same time, banks have been reducing the number of business loans under $1 million while increasing the market share for loans above that amount because they are more profitable, \u003ca href=\"http://www.hbs.edu/faculty/Publication%20Files/15-004_09b1bf8b-eb2a-4e63-9c4e-0374f770856f.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">according to research.\u003c/a> Quinn said that dynamic has left out more Latino and African-American business owners with very small ventures that require less capital.\u003c/p>\n\u003cp>\"You can’t get really the large for-profit lenders to see that it’s profitable to do lots of small loans,\" Quinn said.\u003c/p>\n\u003cp>Wells Fargo, one of the top providers of SBA-backed financing in the country, reduced by half the number of all business loans for under $1 million in the Oakland, Fremont and Hayward areas since 2008, according to loan origination \u003ca href=\"https://www.ffiec.gov/craadweb/aggregate.aspx?Activity=5&Year=2015&State=06&Msa=36084&County=001&strStatetext=06-CALIFORNIA%20(CA)&MSAtext=&Countytext=001+-+ALAMEDA+COUNTY\" target=\"_blank\" rel=\"noopener noreferrer\">figures \u003c/a>reported under the Community Reinvestment Act. Other large banks show a similar trend.\u003c/p>\n\u003cp>A spokesman for Wells Fargo wrote that fewer small businesses applied for financing in 2015 than in 2007, though the bank has started to see an uptick in the number of applicants who are creditworthy.\u003c/p>\n\u003cp>\"Small businesses were hit harder in the recession and have come back more slowly than larger businesses in the recovery,\" wrote Ruben Pulido, a spokesman for Wells Fargo in San Francisco.\u003c/p>\n\u003cp>\u003cstrong>Tackling the Problem\u003c/strong>\u003c/p>\n\u003cp>While SBA-guaranteed loans are a small fraction of all the business lending going in the country, the agency's figures offer a glimpse of which businesses are able to grow enough to qualify for bank loans, Quinn said.\u003c/p>\n\u003cp>He said the SBA is trying various tactics to tackle the issue, including continuing to offer technical support to prepare entrepreneurs on finance and how to qualify for capital; and partnering with Community Development Financial Institutions (CDFIS) and microlenders to make smaller loans of under $250,000.\u003c/p>\n\u003cp>Many African-American and Latino-owned businesses are \"very tiny,\" he said. \"We look to the nonprofit world, lenders whose mission is to reach borrowers in small business communities that we can’t get to through large national banks.\"\u003c/p>\n\u003cp>The SBA started a pilot loan program in 2011 that is reaching a greater percentage of black and Latino borrowers, called Community Advantage. Still, that and a microlending initiative were only 5 percent of all of SBA-backed loans in California, according to the agency's figures.\u003c/p>\n\u003cp>\"Nonprofits depend on few people doing fabulous work in their communities,\" Quinn said. \"But the challenge is really how you can scale the volume of activity there.\"\u003c/p>\n\u003cfigure id=\"attachment_11463455\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"wp-image-11463455 size-full\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25414_IMG_0541-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-520x347.jpg 520w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Dominica Rice serves drinks at her restaurant Cosecha as Rene Sanchez and Panfila Ceja work behind her and customers wait in line on March 9, 2017. Rice has already repaid her SBA loan. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>Reaching Minority Entrepreneurs\u003c/strong>\u003c/p>\n\u003cp>SBA-backed loans to the smallest borrowers are originated by organizations like Main Street Launch, a CDFI near downtown Oakland that focuses on veterans and entrepreneurs in lower-income areas.\u003c/p>\n\u003cp>\"We have more flexibility and a closer relation to the borrower that allows us to take the additional risk,\" said Main Street Launch President and CEO Jacob Singer. \"Transaction costs are still high, but we as nonprofits are able to subsidize through philanthropic activity mostly from the banks.\"\u003c/p>\n\u003cp>Main Street Launch receives about $2 million each year in loans and grants from large banks, such as Wells Fargo and Chase. That is one way large financial institutions comply with the Community Reinvestment Act, a federal law that obligates banks to help meet the credit needs of the communities in which they operate.\u003c/p>\n\u003cp>Unlike banks, Main Street works with clients to put together their financial projections, review goals and understand opportunities for their business, Singer said. The organization places a lighter emphasis on potential borrowers' assets and credit scores, but loan officers must still be confident clients will be able to repay, Singer said.\u003c/p>\n\u003cp>\"It’s hard work to qualify for capital, and not everyone should be a small-business person,\" Singer said. \"One of the important things we and our peers do is to not issue credit to someone who is not ready. That can be as valuable a service as giving someone a loan.\"\u003c/p>\n\u003cp>Out of 350 inquiries Main Street Launch received last year, they funded 76 loans, which they consider a \"pretty normal rate\" for lending.\u003c/p>\n\u003cp>It took years of research before Dominica Rice applied successfully for a $35,000 loan through Main Street Launch to start her first business, Cosecha, in the city's Old Oakland neighborhood.\u003c/p>\n\u003cp>The self-described \"very cautious\" chef sought tutoring from local nonprofits, saved $10,000 and spoke to former employers about starting a business -- all while holding a job.\u003c/p>\n\u003cp>\"I took almost five years of interviewing people who I've known and worked with who own restaurants,\" said Rice, who started working in the restaurant industry as a teen in Los Angeles. \"What mistakes have you made, how did you structure your lease?\"\u003c/p>\n\u003cp>Rice described the SBA \u003ca href=\"https://www.sba.gov/starting-business/finance-your-business/loans/business-loan-application-checklist\">loan application\u003c/a> as \"daunting\" -- it can take at least three weeks for the most prepared applicants. She said entrepreneurs must be \"upfront\" and push for the technical advice and help they need from the SBA and nonprofit lenders, to make sure they get that process right.\u003c/p>\n\u003cp>\"Tell them ... I'm a dyslexic Chicana from L.A. Like, this is not my thing,\" said Rice, who has already repaid her loan. \"I'm not the person who's filling out applications or writing essays about how and why you should open a restaurant. I am the person who climbs a mountain to meet a \u003cem>señora\u003c/em> who makes \u003cem>mole. \u003c/em>That's who I am.\"\u003c/p>\n\u003cfigure id=\"attachment_11459812\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"wp-image-11459812 size-full\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25264_IMG_0551-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-520x347.jpg 520w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Dominica Rice holds a plate of crispy fish tacos with avocado and beans at her restaurant, which she opened after years of planning. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Dishes with Mexican mole sauce are popular in Rice's restaurant, where a long line of customers queued up, awaiting their lunch on a recent afternoon. Eight cooks and employees, most of them Latinas, made fresh tortillas, deep-fried fish fillets and assembled colorful salads in the open kitchen.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\"I'm really proud that I've produced jobs for all these moms and grandmas,\" said Rice, whose daughter is 12. \"Business is definitely growing and we have way more staff. Most of my staff is already at $15 an hour or more.\"\u003c/p>\n\n","blocks":[],"excerpt":"Black and Latino entrepreneurs striving to start and grow businesses in California represent a tiny fraction of the borrowers of SBA-backed bank loans, which offer some of the most affordable financing and best repayment terms in the market.","status":"publish","parent":0,"modified":1509650426,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":56,"wordCount":2166},"headData":{"title":"Why Are Fewer Loans Going to Minority Business Owners? | KQED","description":"Black and Latino entrepreneurs striving to start and grow businesses in California represent a tiny fraction of the borrowers of SBA-backed bank loans, which offer some of the most affordable financing and best repayment terms in the market.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11450958 https://ww2.kqed.org/news/?p=11450958","disqusUrl":"https://ww2.kqed.org/news/2017/05/19/why-are-fewer-loans-going-to-minority-business-owners/","disqusTitle":"Why Are Fewer Loans Going to Minority Business Owners?","audioUrl":"http://www.kqed.org/.stream/anon/radio/RDnews/2017/05/20170510romero.mp3","path":"/news/11450958/why-are-fewer-loans-going-to-minority-business-owners","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>It took Leonard Stephens more than three months to get ready to apply for a loan guaranteed by the Small Business Administration to expand his Oakland-based media company, OUR TV.\u003c/p>\n\u003cp>On a recent day, OUR TV's programming included documentaries about celebrities like Michael Jordan and James Brown, high school games in the Oakland Athletic League and locally produced talk shows featuring black entrepreneurs and professionals.\u003c/p>\n\u003cp>The goal is to \"inspire\" and entertain the hundreds of thousands of Bay Area households that OUR TV reaches through cable channels, said Stephens. Viewership is increasing through the company's online streaming as well, he added.\u003c/p>\n\u003cp>\"People are watching us all over the world. I looked at the analytics yesterday,\" said Stephens, who plans to use the $500,000 loan he is applying for to build infrastructure and hire employees to reach audiences in Houston, Detroit and other cities. \"The loan is very key. You have to have finances to be able to expand.\"\u003c/p>\n\u003cp>If Stephens succeeds, he will become one of the few African-Americans receiving SBA loans in California.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The SBA, which aims to help support small businesses so they can create more jobs, guaranteed $5.1 billion in loans in California last year -- most of it through large banks. Only about 2 percent of those borrowers were African-Americans, a sharp drop from pre-recession levels. Latinos, who own more than 23 percent of businesses in the state, received just 13 percent of those loans.\u003c/p>\n\u003cp>Officials at the SBA say it's challenging to increase sound credit for entrepreneurs in the communities hardest hit by the Great Recession. They argue the agency is trying to expand its efforts to extend more loans to minority business owners through institutions other than banks, especially in lower-income areas.\u003c/p>\n\u003cp>Critics counter that the federal agency should do more to increase the flow of capital to Latino and African-American businesses, which are an \u003ca href=\"https://www.mbda.gov/news/press-releases/2015/08/us-minority-owned-firms-continue-outpace-growth-nonminority-owned-firms\" target=\"_blank\" rel=\"noopener noreferrer\">increasing share\u003c/a> of the U.S. economy, but are \u003ca href=\"http://www.kauffman.org/microsites/state-of-the-field/topics/background-of-entrepreneurs/demographics/race\" target=\"_blank\" rel=\"noopener noreferrer\">more likely to fail\u003c/a> partly because of lower access to capital.\u003c/p>\n\u003cp>[SBALoans]\u003c/p>\n\u003cp>\u003cstrong>Navigating a Bank Loan Application\u003c/strong>\u003c/p>\n\u003cp>The SBA guarantees loans for up to $5 million. If the borrower doesn't repay, the agency promises to cover between 75 and 85 percent of the tab. The goal is to encourage banks and other lenders to take a greater risk on borrowers who have growth potential, but might not ordinarily qualify for financing.\u003c/p>\n\u003cp>That's why Stephens, a member of the Oakland African American Chamber of Commerce, believes he has a greater chance of qualifying for an SBA-backed loan than a regular bank loan.\u003c/p>\n\u003cfigure id=\"attachment_11463434\" class=\"wp-caption alignnone\" style=\"max-width: 2952px\">\u003cimg class=\"wp-image-11463434 size-full\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25330_alt_581.jpg\" alt=\"\" width=\"2952\" height=\"2252\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581.jpg 2952w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-160x122.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-800x610.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-1020x778.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-1920x1465.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-1180x900.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-960x732.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-240x183.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-375x286.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25330_alt_581-520x397.jpg 520w\" sizes=\"(max-width: 2952px) 100vw, 2952px\">\u003cfigcaption class=\"wp-caption-text\">Keith Curry clips a microphone on Ash Solar, from the nonprofit GO Public Schools, as host Robert Harris looks on at the set of OUR TV's \"All About Community\" show on March 14, 2017. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>At the outset, Stephens consulted with friends and his mother, who worked at a large bank for 42 years, about the best strategy to pursue financing.\u003c/p>\n\u003cp>Stephens has financed OUR TV through sponsorships, the rental of airtime, and savings from a separate consulting business. He knew the loan application process could be difficult.\u003c/p>\n\u003cp>Minorities are less likely to apply for bank loans for fear of rejection, \u003ca href=\"http://journals.sagepub.com/doi/abs/10.1177/0891242415620484\" target=\"_blank\" rel=\"noopener noreferrer\">according\u003c/a> to various studies. When they do apply, they get turned down more frequently than equally creditworthy white-owned firms.\u003c/p>\n\u003cp>Stephens decided he needed to enlist extra help in order to apply: He hired brokers.\u003c/p>\n\u003cp>\"The brokers are there to utilize some of the banks they've worked with before, that they have a good relationship with,\" said Stephens, who hired the same firm recommended by a friend who got a loan. \"A lot of things that they've told me make a lot of sense.\"\u003c/p>\n\u003cp>Their advice included submitting the application to local community banks, instead of national ones, and paying for an accountant to organize years' worth of OUR TV's financial documents.\u003c/p>\n\u003cp>So far, Stephens says he has paid $30,000 to the accountant and brokers in his bid.\u003c/p>\n\u003cp>\"I've invested a lot of money on these brokers,\" said Stephens, who is waiting to hear back from the SBA and bank on his loan application. \"Talk to me in a few weeks, and then I'll have a better, bigger perspective and hopefully a bigger smile on my face by then.\"\u003c/p>\n\u003cp>\u003cstrong>System 'Not Working,' Say Critics\u003c/strong>\u003c/p>\n\u003cp>The SBA is the only federal agency collecting data on bank business loans by ethnicity. The small percentage of minorities among SBA borrowers is a troubling sign for the U.S. economy, said Alicia Robb, an economist who studies minority-owned enterprises and is a researcher at UC Berkeley.\u003c/p>\n\u003cp>\"We are looking at a system that's not working,\" Robb said. \"The whole reason for the SBA program is to try and get people who are underrepresented in business lending to get these kinds of loans.\"\u003c/p>\n\u003cp>Nationwide, the number of minority-owned firms has grown significantly to become about 29 percent of all businesses, \u003ca href=\"https://www.sba.gov/sites/default/files/advocacy/Minority-Owned-Businesses-in-the-US.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">according to the U.S. Census.\u003c/a> But African-American and Latino-owned startups have higher failure rates than other enterprises partly because of lower access to capital, \u003ca href=\"http://www.kauffman.org/what-we-do/resources/entrepreneurship-policy-digest/including-people-of-color-in-the-promise-of-entrepreneurship\" target=\"_blank\" rel=\"noopener noreferrer\">according to research.\u003c/a>\u003c/p>\n\u003cp>\"We need the government to really focus on these huge gaps that we see in the market,\" Robb said. \"If these minority businesses had the capital they need, they could create more jobs in their communities.\"\u003c/p>\n\u003cp>\u003cstrong>The SBA Responds\u003c/strong>\u003c/p>\n\u003cp>Minority entrepreneurs in lower-income communities have been less able to compete for loans from big banks because of lingering impacts from the Great Recession, said Mark Quinn, who directs the SBA for Northern California.\u003c/p>\n\u003cp>\"Low-income communities had credit scores affected, lenders became more conservative, regulators told lenders they wanted to see more cautious lending,\" Quinn said. \"That combination has ended up reducing the amount and share of our lending to African-American and Latino businesses.\"\u003c/p>\n\u003cp>Those who lost homes -- often their largest asset -- during the recession also lost the ability to use those properties as collateral for loans from financial institutions.\u003c/p>\n\u003cp>At the same time, banks have been reducing the number of business loans under $1 million while increasing the market share for loans above that amount because they are more profitable, \u003ca href=\"http://www.hbs.edu/faculty/Publication%20Files/15-004_09b1bf8b-eb2a-4e63-9c4e-0374f770856f.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">according to research.\u003c/a> Quinn said that dynamic has left out more Latino and African-American business owners with very small ventures that require less capital.\u003c/p>\n\u003cp>\"You can’t get really the large for-profit lenders to see that it’s profitable to do lots of small loans,\" Quinn said.\u003c/p>\n\u003cp>Wells Fargo, one of the top providers of SBA-backed financing in the country, reduced by half the number of all business loans for under $1 million in the Oakland, Fremont and Hayward areas since 2008, according to loan origination \u003ca href=\"https://www.ffiec.gov/craadweb/aggregate.aspx?Activity=5&Year=2015&State=06&Msa=36084&County=001&strStatetext=06-CALIFORNIA%20(CA)&MSAtext=&Countytext=001+-+ALAMEDA+COUNTY\" target=\"_blank\" rel=\"noopener noreferrer\">figures \u003c/a>reported under the Community Reinvestment Act. Other large banks show a similar trend.\u003c/p>\n\u003cp>A spokesman for Wells Fargo wrote that fewer small businesses applied for financing in 2015 than in 2007, though the bank has started to see an uptick in the number of applicants who are creditworthy.\u003c/p>\n\u003cp>\"Small businesses were hit harder in the recession and have come back more slowly than larger businesses in the recovery,\" wrote Ruben Pulido, a spokesman for Wells Fargo in San Francisco.\u003c/p>\n\u003cp>\u003cstrong>Tackling the Problem\u003c/strong>\u003c/p>\n\u003cp>While SBA-guaranteed loans are a small fraction of all the business lending going in the country, the agency's figures offer a glimpse of which businesses are able to grow enough to qualify for bank loans, Quinn said.\u003c/p>\n\u003cp>He said the SBA is trying various tactics to tackle the issue, including continuing to offer technical support to prepare entrepreneurs on finance and how to qualify for capital; and partnering with Community Development Financial Institutions (CDFIS) and microlenders to make smaller loans of under $250,000.\u003c/p>\n\u003cp>Many African-American and Latino-owned businesses are \"very tiny,\" he said. \"We look to the nonprofit world, lenders whose mission is to reach borrowers in small business communities that we can’t get to through large national banks.\"\u003c/p>\n\u003cp>The SBA started a pilot loan program in 2011 that is reaching a greater percentage of black and Latino borrowers, called Community Advantage. Still, that and a microlending initiative were only 5 percent of all of SBA-backed loans in California, according to the agency's figures.\u003c/p>\n\u003cp>\"Nonprofits depend on few people doing fabulous work in their communities,\" Quinn said. \"But the challenge is really how you can scale the volume of activity there.\"\u003c/p>\n\u003cfigure id=\"attachment_11463455\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"wp-image-11463455 size-full\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25414_IMG_0541-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25414_IMG_0541-qut-520x347.jpg 520w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Dominica Rice serves drinks at her restaurant Cosecha as Rene Sanchez and Panfila Ceja work behind her and customers wait in line on March 9, 2017. Rice has already repaid her SBA loan. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>Reaching Minority Entrepreneurs\u003c/strong>\u003c/p>\n\u003cp>SBA-backed loans to the smallest borrowers are originated by organizations like Main Street Launch, a CDFI near downtown Oakland that focuses on veterans and entrepreneurs in lower-income areas.\u003c/p>\n\u003cp>\"We have more flexibility and a closer relation to the borrower that allows us to take the additional risk,\" said Main Street Launch President and CEO Jacob Singer. \"Transaction costs are still high, but we as nonprofits are able to subsidize through philanthropic activity mostly from the banks.\"\u003c/p>\n\u003cp>Main Street Launch receives about $2 million each year in loans and grants from large banks, such as Wells Fargo and Chase. That is one way large financial institutions comply with the Community Reinvestment Act, a federal law that obligates banks to help meet the credit needs of the communities in which they operate.\u003c/p>\n\u003cp>Unlike banks, Main Street works with clients to put together their financial projections, review goals and understand opportunities for their business, Singer said. The organization places a lighter emphasis on potential borrowers' assets and credit scores, but loan officers must still be confident clients will be able to repay, Singer said.\u003c/p>\n\u003cp>\"It’s hard work to qualify for capital, and not everyone should be a small-business person,\" Singer said. \"One of the important things we and our peers do is to not issue credit to someone who is not ready. That can be as valuable a service as giving someone a loan.\"\u003c/p>\n\u003cp>Out of 350 inquiries Main Street Launch received last year, they funded 76 loans, which they consider a \"pretty normal rate\" for lending.\u003c/p>\n\u003cp>It took years of research before Dominica Rice applied successfully for a $35,000 loan through Main Street Launch to start her first business, Cosecha, in the city's Old Oakland neighborhood.\u003c/p>\n\u003cp>The self-described \"very cautious\" chef sought tutoring from local nonprofits, saved $10,000 and spoke to former employers about starting a business -- all while holding a job.\u003c/p>\n\u003cp>\"I took almost five years of interviewing people who I've known and worked with who own restaurants,\" said Rice, who started working in the restaurant industry as a teen in Los Angeles. \"What mistakes have you made, how did you structure your lease?\"\u003c/p>\n\u003cp>Rice described the SBA \u003ca href=\"https://www.sba.gov/starting-business/finance-your-business/loans/business-loan-application-checklist\">loan application\u003c/a> as \"daunting\" -- it can take at least three weeks for the most prepared applicants. She said entrepreneurs must be \"upfront\" and push for the technical advice and help they need from the SBA and nonprofit lenders, to make sure they get that process right.\u003c/p>\n\u003cp>\"Tell them ... I'm a dyslexic Chicana from L.A. Like, this is not my thing,\" said Rice, who has already repaid her loan. \"I'm not the person who's filling out applications or writing essays about how and why you should open a restaurant. I am the person who climbs a mountain to meet a \u003cem>señora\u003c/em> who makes \u003cem>mole. \u003c/em>That's who I am.\"\u003c/p>\n\u003cfigure id=\"attachment_11459812\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"wp-image-11459812 size-full\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25264_IMG_0551-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25264_IMG_0551-qut-520x347.jpg 520w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Dominica Rice holds a plate of crispy fish tacos with avocado and beans at her restaurant, which she opened after years of planning. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Dishes with Mexican mole sauce are popular in Rice's restaurant, where a long line of customers queued up, awaiting their lunch on a recent afternoon. Eight cooks and employees, most of them Latinas, made fresh tortillas, deep-fried fish fillets and assembled colorful salads in the open kitchen.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"I'm really proud that I've produced jobs for all these moms and grandmas,\" said Rice, whose daughter is 12. \"Business is definitely growing and we have way more staff. Most of my staff is already at $15 an hour or more.\"\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11450958/why-are-fewer-loans-going-to-minority-business-owners","authors":["8659"],"programs":["news_6944","news_72"],"categories":["news_1758","news_8"],"tags":["news_69","news_4032","news_20920"],"featImg":"news_11459814","label":"news_72"},"news_11447004":{"type":"posts","id":"news_11447004","meta":{"index":"posts_1591205157","site":"news","id":"11447004","score":null,"sort":[1494459293000]},"guestAuthors":[],"slug":"for-entrepreneurs-with-no-money-bank-credit-out-of-reach","title":"Entrepreneur in a Low-Income Area? Good Luck Getting a Bank Loan","publishDate":1494459293,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>When Raul Maya first came to the U.S. from southern Mexico, he worked as a dishwasher at a restaurant making less than $5 an hour. Then he moved up to working as a busboy and cashier. It took him years to save enough money to open up a menswear shop, Fashion Palace, in Oakland's predominantly Latino Fruitvale district.\u003c/p>\n\u003cp>[audio src=\"http://www.kqed.org/.stream/anon/radio/RDnews/2017/05/LowIncEntrepreneursRomero20170509.mp3\" Image=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1.jpg\" Title=\"Are Low-Income Businesses Shortchanged by Big Banks?\" program=\"News Fix\"]\u003c/p>\n\u003cp>Most of Maya's customers live nearby. On a recent afternoon, they streamed into the store from shifts at restaurants and construction sites; some still wore paint stains on their clothes. They came looking for suits and Maya's own designs of long-sleeved cotton shirts to wear at weddings and events.\u003c/p>\n\u003cp>\"Everyone going to parties around here, I help them get dressed up,\" said Maya in Spanish, and chuckled. \"Sometimes they'll end up buying more clothes because they see they look great!\"\u003c/p>\n\u003cp>But there's been a nagging issue for him and other small-business owners he knows in the neighborhood: access to credit through banks, which generally offer the lowest interest rates in the market.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Businesses in lower-income census tracts in Alameda County, including the area where Maya is located, received significantly fewer bank loans and credit cards than the wealthiest business districts in 2015, according to a KQED analysis of the most recent federal public data.\u003c/p>\n\u003cp>Economists say this points to an unmet need for bank credit among entrepreneurs in predominantly minority and underserved communities. That in turn, pushes small-business owners to get more expensive loans that can eat up their profits and limit their ability to succeed.\u003c/p>\n\u003cp>Large banks and other lenders counter that many entrepreneurs -- particularly in the communities hardest hit by the Great Recession -- struggle to meet the criteria that qualify them for responsible financing.\u003c/p>\n\u003cp>[bizLoanNoLoans]\u003cstrong>Rates Higher For Business Owners with Low Credit\u003c/strong>\u003c/p>\n\u003cp>Three years ago, Maya ran into a serious cash-flow problem and tried applying for a credit card from his bank, but was rejected.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\"They said my credit score wasn't high enough. I never got a loan or credit card, not even for $50, from a bank,\" said Maya, who\u003c/span> turned instead to a more costly loan for $5,000 from a non-bank lender nearby.\u003c/p>\n\u003cp>He did not want to name the lender, as he is still paying them an additional $3,000 in interest.\u003c/p>\n\u003cp>\"\u003cspan style=\"font-weight: 400\">You know that they are charging you too much in interest, but because of your economic situation you have to take it,\" said Maya. \"Although later you are in hell and it's a long road to finish paying.\"\u003c/span>\u003c/p>\n\u003cp>Maya's loan adds up to about a 35 percent annual percentage rate (APR). But he could have paid much more. Hundreds of thousands of borrowers are facing triple-digit interest rates in California, \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2016/2015_CFLL_Annual_Report_Press_Release_06-30-16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">according to\u003c/a> the state's Department of Business Oversight.\u003c/p>\n\u003cp>Lending companies need to charge more to provide much needed access to credit for customers who would not receive it at banks, said Thomas Leonard, executive director of the California Financial Service Providers Association, which represents dozens of non-bank lenders.\u003c/p>\n\u003cp>\"Rates are going to be higher for customers that have a lesser amount of credit. And what you find is that the interest rates become really a product of risk,\" said Leonard, a former banker.\u003c/p>\n\u003cp>\u003cstrong>'Unequal Access' To Credit\u003c/strong>\u003c/p>\n\u003cp>Latinos are \u003ca href=\"https://ww2.kqed.org/news/2017/01/23/latino-businesses-struggle-to-get-funding-to-grow-survey-says/\" target=\"_blank\" rel=\"noopener noreferrer\">starting businesses\u003c/a> at a faster rate than other groups in the country. But their ventures have higher failure rates or grow at a slower pace partly because they have less capital, said Robert Fairlie, an economist at UC Santa Cruz.\u003c/p>\n\u003cp>\"They're less likely to get bank loans. They're less likely to be able to tap into family and friends' wealth or neighborhood wealth. So all those things kind of work against them,\" said Fairlie, who has researched minority-owned enterprises for two decades.\u003c/p>\n\u003cp>That unequal access to credit, said Fairlie, contributes to the massive wealth gap in this country because small businesses generate jobs and wealth for their communities.\u003c/p>\n\u003cp>The median wealth of white households in this country in 2011 was $110,000, compared with less than $8,000 for Latinos and African-Americans, \u003ca href=\"https://www.census.gov/topics/income-poverty/wealth/data.html\">according to the U.S. Census\u003c/a>. Median wealth -- also known as net worth -- is the difference between one's assets, such as income, savings and a home -- and liabilities, or debts.\u003c/p>\n\u003cp>Spokespeople for Wells Fargo and JPMorgan Chase, the\u003ca href=\"https://www.federalreserve.gov/releases/lbr/current/\" target=\"_blank\" rel=\"noopener noreferrer\"> largest banks\u003c/a> in the U.S., said that increasing lending to small businesses in diverse communities is a priority.[contextly_sidebar id=\"iv4OFUALi0E0wBhEYoCmlKmKFiXktbMJ\"]\u003c/p>\n\u003cp>\"We want to make every responsible loan we possibly can to help creditworthy small businesses that are seeking credit,\" wrote Ruben Pulido, a spokesman for Wells Fargo in San Francisco. He added that credit-readiness, including the ability of small-business owners to show they are able to repay, is a top limiting factor in making more loans.\u003c/p>\n\u003cp>Both banks are donating and lending millions of dollars to nonprofits in the Oakland area. Those nonprofits work with diverse and lower-income small-business owners to help them get access to credit. This means training them on how to qualify for loans, and relending money from the big banks to these entrepreneurs.\u003c/p>\n\u003cp>The banks are obligated to help meet the credit needs of the communities where they operate under the\u003ca href=\"https://www.federalreserve.gov/consumerscommunities/cra_about.htm\" target=\"_blank\" rel=\"noopener noreferrer\"> Community Reinvestment Act\u003c/a> (CRA), a federal law that was passed almost 40 years ago. The law has increased the flow of credit to lower-income areas, according to various studies.\u003c/p>\n\u003cp>Still, the business district where Raul Maya's store is located received only 45 loans and credit card lines of $100,000 or less in 2015, far fewer than wealthier districts in the city with a comparable number of businesses, according to\u003ca href=\"https://www.ffiec.gov/cra/craproducts.htm\" target=\"_blank\" rel=\"noopener noreferrer\"> data\u003c/a> reported by large financial institutions under the CRA. A recent \u003ca href=\"http://www.woodstockinst.org/research/patterns-disparity-small-business-lending-chicago-and-los-angeles-san-diego-regions\" target=\"_blank\" rel=\"noopener noreferrer\">study\u003c/a> of the Los Angeles, San Diego and Chicago areas by the Woodstock Institute found disparities in bank lending by income and race.\u003c/p>\n\u003cp>KQED focused on loans of $100,000 and under because, according to experts, they are most likely to support small local businesses.\u003c/p>\n\u003cp>The federal agency that supervises and grades big national banks on their CRA performance, the Office of the Comptroller of the Currency, has \u003ca href=\"https://www.occ.gov/news-issuances/speeches/2016/pub-speech-2016-150.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">stated\u003c/a> that it is aware more work is needed to address \"important remaining issues\" on the law's implementation. The OCC has been reviewing its examination procedures in an effort to make them more rigorous.\u003c/p>\n\u003cp>[SmallBizAmountLoans]\u003c/p>\n\u003cp>\u003cstrong>Crowdfunding As An Inexpensive Alternative\u003c/strong>\u003c/p>\n\u003cp>After getting his high-interest loan through the non-bank lender, Maya found out he could get an inexpensive loan through the crowdfunding website Kiva. The nonprofit offers entrepreneurs in the U.S. and abroad a platform to fundraise for loans with zero interest rates.\u003c/p>\n\u003cp>\"Business ownership is a great way to build wealth. (But) the wealth gap persists. So what we're trying to do is just break that paradigm,\" said Jonny Price, head of Kiva's U.S. operations.\u003c/p>\n\u003cp>With the blessing of the city of Oakland, the organization has ramped up crowdfunding for local small-business owners. Kiva is also trying a new tactic in the Fruitvale by meeting face to face with entrepreneurs who have technical or language barriers.\u003c/p>\n\u003cfigure id=\"attachment_11450853\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003cimg class=\"wp-image-11450853 size-large\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-1020x680.jpg\" alt=\"\" width=\"640\" height=\"427\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-520x347.jpg 520w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Jonny Price and Alejandra Pena confer at Kiva's headquarters in San Francisco on March 29, 2017. The nonprofit is trying a new approach with entrepreneurs in Oakland's Fruitvale, which includes technical and language assistance. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>One Tuesday morning, a dozen women entrepreneurs, some with children in tow, huddled around a table at Maya's store and lent $100 to each other through Kiva. Then they become eligible to start fundraising up to $2,000 from the organization's worldwide pool of lenders.\u003c/p>\n\u003cp>Bety Ugalde, a single mom of three, sells shoes imported from Mexico. She said her business is taking off. Before opening it, she used to work two jobs as a cook, sleeping only three hours some nights, but was still unable to afford her rent.\u003c/p>\n\u003cp>\"Now I feel happier because I have this business and a half-time job and I can make ends meet,\" said Ugalde in Spanish. She added she plans to use her loan to stock more merchandise.\u003c/p>\n\u003cp>Overseeing all this activity at his store is Maya. He bustles about, bringing coffee and sweet bread to the women entrepreneurs at the weekly meetings.\u003c/p>\n\u003cp>\"What's nice is that you can lend that money again to a new person who's starting,\" said Maya. \"I tell them, we have to be united. We've got to support new people coming in.\"\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>The group that meets at Maya's shop has now grown to about 70 people.\u003c/p>\n\n","blocks":[],"excerpt":"A KQED investigation found that the wealthiest business districts in Alameda County got the most in loans and credit cards in 2015. While economists say that lack of access constrains small businesses in predominantly minority communities, large banks say many of these entrepreneurs struggle to meet the criteria that qualify them for financing. ","status":"publish","parent":0,"modified":1494549897,"stats":{"hasAudio":true,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":40,"wordCount":1567},"headData":{"title":"Entrepreneur in a Low-Income Area? Good Luck Getting a Bank Loan | KQED","description":"A KQED investigation found that the wealthiest business districts in Alameda County got the most in loans and credit cards in 2015. While economists say that lack of access constrains small businesses in predominantly minority communities, large banks say many of these entrepreneurs struggle to meet the criteria that qualify them for financing. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11447004 https://ww2.kqed.org/news/?p=11447004","disqusUrl":"https://ww2.kqed.org/news/2017/05/10/for-entrepreneurs-with-no-money-bank-credit-out-of-reach/","disqusTitle":"Entrepreneur in a Low-Income Area? Good Luck Getting a Bank Loan","path":"/news/11447004/for-entrepreneurs-with-no-money-bank-credit-out-of-reach","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>When Raul Maya first came to the U.S. from southern Mexico, he worked as a dishwasher at a restaurant making less than $5 an hour. Then he moved up to working as a busboy and cashier. It took him years to save enough money to open up a menswear shop, Fashion Palace, in Oakland's predominantly Latino Fruitvale district.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"audio","attributes":{"named":{"src":"http://www.kqed.org/.stream/anon/radio/RDnews/2017/05/LowIncEntrepreneursRomero20170509.mp3","image":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1.jpg","title":"Are Low-Income Businesses Shortchanged by Big Banks?","program":"News Fix","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Most of Maya's customers live nearby. On a recent afternoon, they streamed into the store from shifts at restaurants and construction sites; some still wore paint stains on their clothes. They came looking for suits and Maya's own designs of long-sleeved cotton shirts to wear at weddings and events.\u003c/p>\n\u003cp>\"Everyone going to parties around here, I help them get dressed up,\" said Maya in Spanish, and chuckled. \"Sometimes they'll end up buying more clothes because they see they look great!\"\u003c/p>\n\u003cp>But there's been a nagging issue for him and other small-business owners he knows in the neighborhood: access to credit through banks, which generally offer the lowest interest rates in the market.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Businesses in lower-income census tracts in Alameda County, including the area where Maya is located, received significantly fewer bank loans and credit cards than the wealthiest business districts in 2015, according to a KQED analysis of the most recent federal public data.\u003c/p>\n\u003cp>Economists say this points to an unmet need for bank credit among entrepreneurs in predominantly minority and underserved communities. That in turn, pushes small-business owners to get more expensive loans that can eat up their profits and limit their ability to succeed.\u003c/p>\n\u003cp>Large banks and other lenders counter that many entrepreneurs -- particularly in the communities hardest hit by the Great Recession -- struggle to meet the criteria that qualify them for responsible financing.\u003c/p>\n\u003cp>[bizLoanNoLoans]\u003cstrong>Rates Higher For Business Owners with Low Credit\u003c/strong>\u003c/p>\n\u003cp>Three years ago, Maya ran into a serious cash-flow problem and tried applying for a credit card from his bank, but was rejected.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\"They said my credit score wasn't high enough. I never got a loan or credit card, not even for $50, from a bank,\" said Maya, who\u003c/span> turned instead to a more costly loan for $5,000 from a non-bank lender nearby.\u003c/p>\n\u003cp>He did not want to name the lender, as he is still paying them an additional $3,000 in interest.\u003c/p>\n\u003cp>\"\u003cspan style=\"font-weight: 400\">You know that they are charging you too much in interest, but because of your economic situation you have to take it,\" said Maya. \"Although later you are in hell and it's a long road to finish paying.\"\u003c/span>\u003c/p>\n\u003cp>Maya's loan adds up to about a 35 percent annual percentage rate (APR). But he could have paid much more. Hundreds of thousands of borrowers are facing triple-digit interest rates in California, \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2016/2015_CFLL_Annual_Report_Press_Release_06-30-16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">according to\u003c/a> the state's Department of Business Oversight.\u003c/p>\n\u003cp>Lending companies need to charge more to provide much needed access to credit for customers who would not receive it at banks, said Thomas Leonard, executive director of the California Financial Service Providers Association, which represents dozens of non-bank lenders.\u003c/p>\n\u003cp>\"Rates are going to be higher for customers that have a lesser amount of credit. And what you find is that the interest rates become really a product of risk,\" said Leonard, a former banker.\u003c/p>\n\u003cp>\u003cstrong>'Unequal Access' To Credit\u003c/strong>\u003c/p>\n\u003cp>Latinos are \u003ca href=\"https://ww2.kqed.org/news/2017/01/23/latino-businesses-struggle-to-get-funding-to-grow-survey-says/\" target=\"_blank\" rel=\"noopener noreferrer\">starting businesses\u003c/a> at a faster rate than other groups in the country. But their ventures have higher failure rates or grow at a slower pace partly because they have less capital, said Robert Fairlie, an economist at UC Santa Cruz.\u003c/p>\n\u003cp>\"They're less likely to get bank loans. They're less likely to be able to tap into family and friends' wealth or neighborhood wealth. So all those things kind of work against them,\" said Fairlie, who has researched minority-owned enterprises for two decades.\u003c/p>\n\u003cp>That unequal access to credit, said Fairlie, contributes to the massive wealth gap in this country because small businesses generate jobs and wealth for their communities.\u003c/p>\n\u003cp>The median wealth of white households in this country in 2011 was $110,000, compared with less than $8,000 for Latinos and African-Americans, \u003ca href=\"https://www.census.gov/topics/income-poverty/wealth/data.html\">according to the U.S. Census\u003c/a>. Median wealth -- also known as net worth -- is the difference between one's assets, such as income, savings and a home -- and liabilities, or debts.\u003c/p>\n\u003cp>Spokespeople for Wells Fargo and JPMorgan Chase, the\u003ca href=\"https://www.federalreserve.gov/releases/lbr/current/\" target=\"_blank\" rel=\"noopener noreferrer\"> largest banks\u003c/a> in the U.S., said that increasing lending to small businesses in diverse communities is a priority.\u003c/p>\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003cp>\"We want to make every responsible loan we possibly can to help creditworthy small businesses that are seeking credit,\" wrote Ruben Pulido, a spokesman for Wells Fargo in San Francisco. He added that credit-readiness, including the ability of small-business owners to show they are able to repay, is a top limiting factor in making more loans.\u003c/p>\n\u003cp>Both banks are donating and lending millions of dollars to nonprofits in the Oakland area. Those nonprofits work with diverse and lower-income small-business owners to help them get access to credit. This means training them on how to qualify for loans, and relending money from the big banks to these entrepreneurs.\u003c/p>\n\u003cp>The banks are obligated to help meet the credit needs of the communities where they operate under the\u003ca href=\"https://www.federalreserve.gov/consumerscommunities/cra_about.htm\" target=\"_blank\" rel=\"noopener noreferrer\"> Community Reinvestment Act\u003c/a> (CRA), a federal law that was passed almost 40 years ago. The law has increased the flow of credit to lower-income areas, according to various studies.\u003c/p>\n\u003cp>Still, the business district where Raul Maya's store is located received only 45 loans and credit card lines of $100,000 or less in 2015, far fewer than wealthier districts in the city with a comparable number of businesses, according to\u003ca href=\"https://www.ffiec.gov/cra/craproducts.htm\" target=\"_blank\" rel=\"noopener noreferrer\"> data\u003c/a> reported by large financial institutions under the CRA. A recent \u003ca href=\"http://www.woodstockinst.org/research/patterns-disparity-small-business-lending-chicago-and-los-angeles-san-diego-regions\" target=\"_blank\" rel=\"noopener noreferrer\">study\u003c/a> of the Los Angeles, San Diego and Chicago areas by the Woodstock Institute found disparities in bank lending by income and race.\u003c/p>\n\u003cp>KQED focused on loans of $100,000 and under because, according to experts, they are most likely to support small local businesses.\u003c/p>\n\u003cp>The federal agency that supervises and grades big national banks on their CRA performance, the Office of the Comptroller of the Currency, has \u003ca href=\"https://www.occ.gov/news-issuances/speeches/2016/pub-speech-2016-150.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">stated\u003c/a> that it is aware more work is needed to address \"important remaining issues\" on the law's implementation. The OCC has been reviewing its examination procedures in an effort to make them more rigorous.\u003c/p>\n\u003cp>[SmallBizAmountLoans]\u003c/p>\n\u003cp>\u003cstrong>Crowdfunding As An Inexpensive Alternative\u003c/strong>\u003c/p>\n\u003cp>After getting his high-interest loan through the non-bank lender, Maya found out he could get an inexpensive loan through the crowdfunding website Kiva. The nonprofit offers entrepreneurs in the U.S. and abroad a platform to fundraise for loans with zero interest rates.\u003c/p>\n\u003cp>\"Business ownership is a great way to build wealth. (But) the wealth gap persists. So what we're trying to do is just break that paradigm,\" said Jonny Price, head of Kiva's U.S. operations.\u003c/p>\n\u003cp>With the blessing of the city of Oakland, the organization has ramped up crowdfunding for local small-business owners. Kiva is also trying a new tactic in the Fruitvale by meeting face to face with entrepreneurs who have technical or language barriers.\u003c/p>\n\u003cfigure id=\"attachment_11450853\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003cimg class=\"wp-image-11450853 size-large\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-1020x680.jpg\" alt=\"\" width=\"640\" height=\"427\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25304_IMG_0614-qut-1-520x347.jpg 520w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Jonny Price and Alejandra Pena confer at Kiva's headquarters in San Francisco on March 29, 2017. The nonprofit is trying a new approach with entrepreneurs in Oakland's Fruitvale, which includes technical and language assistance. \u003ccite>(Farida Jhabvala Romero/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>One Tuesday morning, a dozen women entrepreneurs, some with children in tow, huddled around a table at Maya's store and lent $100 to each other through Kiva. Then they become eligible to start fundraising up to $2,000 from the organization's worldwide pool of lenders.\u003c/p>\n\u003cp>Bety Ugalde, a single mom of three, sells shoes imported from Mexico. She said her business is taking off. Before opening it, she used to work two jobs as a cook, sleeping only three hours some nights, but was still unable to afford her rent.\u003c/p>\n\u003cp>\"Now I feel happier because I have this business and a half-time job and I can make ends meet,\" said Ugalde in Spanish. She added she plans to use her loan to stock more merchandise.\u003c/p>\n\u003cp>Overseeing all this activity at his store is Maya. He bustles about, bringing coffee and sweet bread to the women entrepreneurs at the weekly meetings.\u003c/p>\n\u003cp>\"What's nice is that you can lend that money again to a new person who's starting,\" said Maya. \"I tell them, we have to be united. We've got to support new people coming in.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The group that meets at Maya's shop has now grown to about 70 people.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11447004/for-entrepreneurs-with-no-money-bank-credit-out-of-reach","authors":["8659"],"programs":["news_6944","news_72"],"categories":["news_1758"],"tags":["news_69","news_20922","news_19542","news_20605","news_20923","news_18","news_20920"],"featImg":"news_11450855","label":"news_72"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. 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Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. 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