San Francisco Green-Lights Nation's First City-Run Public Bank
Fed Takes Partial Blame for Silicon Valley Bank Collapse
Silicon Valley Bank Bailout | Tech News of the Week
California's Small Businesses Just Received the Most PPP Funding in the US
Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress
Could Capping Interest Rates Curb Poverty Rates in California?
A Cannabis Banking System for California? Effort Moves Forward in Senate
Why Are Fewer Loans Going to Minority Business Owners?
Entrepreneur in a Low-Income Area? Good Luck Getting a Bank Loan
Sponsored
window.__IS_SSR__=true
window.__INITIAL_STATE__={"attachmentsReducer":{"audio_0":{"type":"attachments","id":"audio_0","imgSizes":{"kqedFullSize":{"file":"https://ww2.kqed.org/news/wp-content/themes/KQED-unified/img/audio_bgs/background0.jpg"}}},"audio_1":{"type":"attachments","id":"audio_1","imgSizes":{"kqedFullSize":{"file":"https://ww2.kqed.org/news/wp-content/themes/KQED-unified/img/audio_bgs/background1.jpg"}}},"audio_2":{"type":"attachments","id":"audio_2","imgSizes":{"kqedFullSize":{"file":"https://ww2.kqed.org/news/wp-content/themes/KQED-unified/img/audio_bgs/background2.jpg"}}},"audio_3":{"type":"attachments","id":"audio_3","imgSizes":{"kqedFullSize":{"file":"https://ww2.kqed.org/news/wp-content/themes/KQED-unified/img/audio_bgs/background3.jpg"}}},"audio_4":{"type":"attachments","id":"audio_4","imgSizes":{"kqedFullSize":{"file":"https://ww2.kqed.org/news/wp-content/themes/KQED-unified/img/audio_bgs/background4.jpg"}}},"placeholder":{"type":"attachments","id":"placeholder","imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-160x96.jpg","width":160,"height":96,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-800x478.jpg","width":800,"height":478,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-1020x610.jpg","width":1020,"height":610,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-1920x1148.jpg","width":1920,"height":1148,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-1180x705.jpg","width":1180,"height":705,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-960x574.jpg","width":960,"height":574,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-240x143.jpg","width":240,"height":143,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-375x224.jpg","width":375,"height":224,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-520x311.jpg","width":520,"height":311,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-1180x705.jpg","width":1180,"height":705,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-1920x1148.jpg","width":1920,"height":1148,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/wp-content/uploads/sites/10/2018/01/GettyImages-896326950-e1514998105161.jpg","width":1920,"height":1148}}},"news_11960409":{"type":"attachments","id":"news_11960409","meta":{"index":"attachments_1591205162","site":"news","id":"11960409","found":true},"title":"A Muni bus passes by City Hall in San Francisco on Aug. 8, 2023.","publishDate":1694131442,"status":"inherit","parent":11960406,"modified":1709340288,"caption":"A Muni bus passes by City Hall in San Francisco on Aug. 8, 2023.","credit":"Beth LaBerge/KQED","altTag":"A building with intricate pillars in front, as well as a red and white city bus.","description":null,"imgSizes":{"medium":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"1536x1536":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut-1536x1024.jpg","width":1536,"height":1024,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/09/RS67750_230808-SanFranciscoCityHall-19-BL-qut.jpg","width":1920,"height":1280}},"fetchFailed":false,"isLoading":false},"news_11948026":{"type":"attachments","id":"news_11948026","meta":{"index":"attachments_1591205162","site":"news","id":"11948026","found":true},"title":"US regulators shut down Silicon Valley Bank","publishDate":1682706359,"status":"inherit","parent":11948019,"modified":1682706443,"caption":"People wait outside the Silicon Valley Bank headquarters in Santa Clara to withdraw funds after the federal government intervened upon the bank's collapse, on March 13, 2023.","credit":"Nikolas Liepins/Anadolu Agency via Getty Images","altTag":"A line of people outside a grey building with Silicon Valley Bank written above the entrance.","description":null,"imgSizes":{"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1248159371-800x534.jpg","width":800,"height":534,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1248159371-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1248159371-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1248159371-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1248159371-1024x576.jpg","width":1024,"height":576,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1248159371.jpg","width":1024,"height":683}},"fetchFailed":false,"isLoading":false},"news_11943965":{"type":"attachments","id":"news_11943965","meta":{"index":"attachments_1591205162","site":"news","id":"11943965","found":true},"title":"BankingCrisis","publishDate":1679090889,"status":"inherit","parent":11943962,"modified":1679090889,"caption":null,"credit":null,"altTag":null,"description":null,"imgSizes":{"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis-800x450.png","width":800,"height":450,"mimeType":"image/png"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis-1020x574.png","width":1020,"height":574,"mimeType":"image/png"},"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis-160x90.png","width":160,"height":90,"mimeType":"image/png"},"1536x1536":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis-1536x864.png","width":1536,"height":864,"mimeType":"image/png"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis-672x372.png","width":672,"height":372,"mimeType":"image/png"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis-1038x576.png","width":1038,"height":576,"mimeType":"image/png"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/BankingCrisis.png","width":1920,"height":1080}},"fetchFailed":false,"isLoading":false},"news_11820256":{"type":"attachments","id":"news_11820256","meta":{"index":"attachments_1591205162","site":"news","id":"11820256","found":true},"title":"During the COVID-19 pandemic, some small businesses are turning away from big banks like Wells Fargo and working with smaller banks to work through the PPP loan process.","publishDate":1590177227,"status":"inherit","parent":11820229,"modified":1590179175,"caption":"On March 20, 2007, a customer enters a Wells Fargo bank in San Francisco. During the current COVID-19 pandemic, some small businesses are turning away from big banks like Wells Fargo and working with smaller banks to work through the PPP loan process. ","credit":"Justin Sullivan/Getty Images","description":"On March 20, 2007, a customer enters a Wells Fargo bank in San Francisco. During the COVID-19 pandemic, some small businesses are turning away from big banks like Wells Fargo and working with smaller banks to work through the PPP loan process.","imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-160x110.jpg","width":160,"height":110,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-800x549.jpg","width":800,"height":549,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1020x700.jpg","width":1020,"height":700,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1920x1318.jpg","width":1920,"height":1318,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1832x1374.jpg","width":1832,"height":1374,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1122x1496.jpg","width":1122,"height":1496,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1472x1472.jpg","width":1472,"height":1472,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/05/RS2591_wells220120712.jpg","width":3000,"height":2059}},"fetchFailed":false,"isLoading":false},"news_11805827":{"type":"attachments","id":"news_11805827","meta":{"index":"attachments_1591205162","site":"news","id":"11805827","found":true},"title":"Wells Fargo, which has endured a cascade of scandals in recent years, announced Monday that two board members have resigned.","publishDate":1583784659,"status":"inherit","parent":11805826,"modified":1583784998,"caption":"Wells Fargo, which has endured a cascade of scandals in recent years, announced Monday that two board members have resigned.","credit":"Smith Collection/Gado/Getty Images","description":"Wells Fargo, which has endured a cascade of scandals in recent years, announced Monday that two board members have resigned.","imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-160x120.jpg","width":160,"height":120,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-800x600.jpg","width":800,"height":600,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1020x765.jpg","width":1020,"height":765,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1832x1374.jpg","width":1832,"height":1374,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1122x1496.jpg","width":1122,"height":1496,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1472x1472.jpg","width":1472,"height":1472,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/03/wells-fargo-4b5a51d23c396c7705b5f7e9ca78ad8539b945db-e1583785005977.jpg","width":1920,"height":1440}},"fetchFailed":false,"isLoading":false},"news_11751927":{"type":"attachments","id":"news_11751927","meta":{"index":"attachments_1591205162","site":"news","id":"11751927","found":true},"title":"RS14288_Mission Coop_JRaff (4 of 7)-qut","publishDate":1559504903,"status":"inherit","parent":11751924,"modified":1559505187,"caption":"Lawmakers say predatory lending takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. A new measure would place a 36% annual interest rate cap on loans made by state-licensed lenders.","credit":"Jeremy Raff","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"complete_open_graph":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1200x800.jpg","width":1200,"height":800,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1376x960.jpg","width":1376,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1122x960.jpg","width":1122,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-840x960.jpg","width":840,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1104x960.jpg","width":1104,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut.jpg","width":1440,"height":960}},"fetchFailed":false,"isLoading":false},"news_11629081":{"type":"attachments","id":"news_11629081","meta":{"index":"attachments_1591205162","site":"news","id":"11629081","found":true},"title":"WeedCounter","publishDate":1510109425,"status":"inherit","parent":11628986,"modified":1524705268,"caption":"A customer prepares to buy marijuana from a cannabis farmers market in L.A.","credit":"Frederic J. Brown/AFP/Getty Images","description":"A customer prepares to buy marijuana from a cannabis farmers market in L.A.","imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-160x106.jpg","width":160,"height":106,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-800x531.jpg","width":800,"height":531,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-1020x677.jpg","width":1020,"height":677,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-1920x1274.jpg","width":1920,"height":1274,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-1180x783.jpg","width":1180,"height":783,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-960x637.jpg","width":960,"height":637,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-240x159.jpg","width":240,"height":159,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-375x249.jpg","width":375,"height":249,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-520x345.jpg","width":520,"height":345,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-1180x783.jpg","width":1180,"height":783,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-1920x1274.jpg","width":1920,"height":1274,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/11/WeedCounter.jpg","width":1920,"height":1274}},"fetchFailed":false,"isLoading":false},"news_11459814":{"type":"attachments","id":"news_11459814","meta":{"index":"attachments_1591205162","site":"news","id":"11459814","found":true},"title":"RS25328_IMG_7115-qut","publishDate":1494893940,"status":"inherit","parent":11450958,"modified":1495154346,"caption":"Leonard Stephens monitors the recording of a show at OUR TV in Oakland, California, on March 14, 2017. \"We want to be an all-stop shop for entertainment, media, radio, TV,\" said Stephens, who is applying for an SBA loan.","credit":"Farida Jhabvala Romero/KQED","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-160x120.jpg","width":160,"height":120,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-800x600.jpg","width":800,"height":600,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-1020x765.jpg","width":1020,"height":765,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-1180x885.jpg","width":1180,"height":885,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-960x720.jpg","width":960,"height":720,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-240x180.jpg","width":240,"height":180,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-375x281.jpg","width":375,"height":281,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-520x390.jpg","width":520,"height":390,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-1180x885.jpg","width":1180,"height":885,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25328_IMG_7115-qut.jpg","width":1920,"height":1440}},"fetchFailed":false,"isLoading":false},"news_11450855":{"type":"attachments","id":"news_11450855","meta":{"index":"attachments_1591205162","site":"news","id":"11450855","found":true},"title":"RS25181_IMG_0138-qut","publishDate":1494454177,"status":"inherit","parent":11447004,"modified":1494538226,"caption":"Raul Maya has owned Fashion Palace, a menswear shop, for 17 years. He says small-business owners in Oakland's Fruitvale neighborhood have struggled to find affordable credit. ","credit":"Farida Jhabvala Romero/KQED","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-160x120.jpg","width":160,"height":120,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-800x600.jpg","width":800,"height":600,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-1020x765.jpg","width":1020,"height":765,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-1180x885.jpg","width":1180,"height":885,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-960x720.jpg","width":960,"height":720,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-240x180.jpg","width":240,"height":180,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-375x281.jpg","width":375,"height":281,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-520x390.jpg","width":520,"height":390,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-1180x885.jpg","width":1180,"height":885,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/05/RS25181_IMG_0138-qut.jpg","width":1920,"height":1440}},"fetchFailed":false,"isLoading":false}},"audioPlayerReducer":{"postId":"stream_live"},"authorsReducer":{"byline_news_11948019":{"type":"authors","id":"byline_news_11948019","meta":{"override":true},"slug":"byline_news_11948019","name":"\u003ca href=\"https://www.npr.org/people/2788801/scott-horsley\">Scott Horsley\u003c/a>","isLoading":false},"byline_news_11805826":{"type":"authors","id":"byline_news_11805826","meta":{"override":true},"slug":"byline_news_11805826","name":"\u003ca href=\"https://www.npr.org/people/348744480/brakkton-booker\">Brakkton Booker\u003c/a>","isLoading":false},"byline_news_11751924":{"type":"authors","id":"byline_news_11751924","meta":{"override":true},"slug":"byline_news_11751924","name":"\u003cstrong>Dan Walters\u003c/strong>","isLoading":false},"kqed":{"type":"authors","id":"236","meta":{"index":"authors_1591205172","id":"236","found":true},"name":"KQED News Staff","firstName":"KQED News Staff","lastName":null,"slug":"kqed","email":"faq@kqed.org","display_author_email":false,"staff_mastheads":[],"title":null,"bio":null,"avatar":"https://secure.gravatar.com/avatar/ef0e801a68c4c54afa9180db14084167?s=600&d=blank&r=g","twitter":null,"facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["contributor"]},{"site":"news","roles":["editor"]},{"site":"futureofyou","roles":["author"]}],"headData":{"title":"KQED News Staff | KQED","description":null,"ogImgSrc":"https://secure.gravatar.com/avatar/ef0e801a68c4c54afa9180db14084167?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/ef0e801a68c4c54afa9180db14084167?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/kqed"},"fjhabvala":{"type":"authors","id":"8659","meta":{"index":"authors_1591205172","id":"8659","found":true},"name":"Farida Jhabvala Romero","firstName":"Farida","lastName":"Jhabvala Romero","slug":"fjhabvala","email":"fjhabvala@kqed.org","display_author_email":true,"staff_mastheads":["news"],"title":"KQED Contributor","bio":"\u003cspan style=\"font-weight: 400;\">Farida Jhabvala Romero is a Labor Correspondent for KQED. 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. Prior to joining KQED in 2016, Katie was state government reporter for Capital Public Radio in Sacramento. She's also worked for KPBS in San Diego, where she covered City Hall.\r\n\r\nKatie received her masters degree in political science from San Diego State University and holds a Bachelors degree in broadcast journalism from Arizona State University.\r\n\r\nIn 2015 Katie won a national Clarion Award for a series of stories she did on women in California politics. She's been honored by the Society for Professional Journalists and, in 2013, was named by \u003cem>The Washington Post\u003c/em> as one of the country's top state Capitol reporters. She's also reported for the award-winning documentary series \u003cem>The View from Here \u003c/em>and was part of the team that won national PRNDI and Gabriel Awards in 2015. She lives in Sacramento with her husband. 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. She focuses on how housing gets built across the Bay Area. Before joining KQED in 2020, she reported for WUNC in Durham, North Carolina, WABE in Atlanta, Georgia and Capital Public Radio in Sacramento. In 2017, she was awarded a Kroc Fellowship at NPR where she reported on everything from sprinkles to the Golden State Killer's arrest. When she's not reporting, she's baking new recipes in her kitchen or watching movies with friends and family. She's originally from Georgia and has strong opinions about Great British Bake Off.","avatar":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twitter":"oddity_adhiti","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["author"]},{"site":"news","roles":["editor"]}],"headData":{"title":"Adhiti Bandlamudi | KQED","description":"KQED Housing Reporter","ogImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/abandlamudi"},"sjohnson":{"type":"authors","id":"11840","meta":{"index":"authors_1591205172","id":"11840","found":true},"name":"Sydney Johnson","firstName":"Sydney","lastName":"Johnson","slug":"sjohnson","email":"sjohnson@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"KQED Reporter","bio":"Sydney Johnson is a general assignment reporter at KQED. She previously reported on public health and city government at the San Francisco Examiner, and before that, she covered statewide education policy for EdSource. Her reporting has won multiple local, state and national awards. 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. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? 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. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.","airtime":"THU 10pm, FRI 1am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.commonwealthclub.org/podcasts","meta":{"site":"news","source":"Commonwealth Club of California"},"link":"/radio/program/commonwealth-club","subscribe":{"apple":"https://itunes.apple.com/us/podcast/commonwealth-club-of-california-podcast/id976334034?mt=2","google":"https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw","tuneIn":"https://tunein.com/radio/Commonwealth-Club-of-California-p1060/"}},"considerthis":{"id":"considerthis","title":"Consider This","tagline":"Make sense of the day","info":"Make sense of the day. Every weekday afternoon, Consider This helps you consider the major stories of the day in less than 15 minutes, featuring the reporting and storytelling resources of NPR. Plus, KQED’s Bianca Taylor brings you the local KQED news you need to know.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Consider-This-Podcast-Tile-703x703-1.jpg","imageAlt":"Consider This from NPR and KQED","officialWebsiteLink":"/podcasts/considerthis","meta":{"site":"news","source":"kqed","order":"7"},"link":"/podcasts/considerthis","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1503226625?mt=2&at=11l79Y&ct=nprdirectory","npr":"https://rpb3r.app.goo.gl/coronavirusdaily","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM1NS9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/3Z6JdCS2d0eFEpXHKI6WqH"}},"forum":{"id":"forum","title":"Forum","tagline":"The conversation starts here","info":"KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.","airtime":"MON-FRI 9am-11am, 10pm-11pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Forum with Mina Kim and Alexis Madrigal","officialWebsiteLink":"/forum","meta":{"site":"news","source":"kqed","order":"8"},"link":"/forum","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-forum/id73329719","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz","npr":"https://www.npr.org/podcasts/432307980/forum","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-forum-podcast","rss":"https://feeds.megaphone.fm/KQINC9557381633"}},"freakonomics-radio":{"id":"freakonomics-radio","title":"Freakonomics Radio","info":"Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. It is produced in partnership with WNYC.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/freakonomicsRadio.png","officialWebsiteLink":"http://freakonomics.com/","airtime":"SUN 1am-2am, SAT 3pm-4pm","meta":{"site":"radio","source":"WNYC"},"link":"/radio/program/freakonomics-radio","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519","tuneIn":"https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/","rss":"https://feeds.feedburner.com/freakonomicsradio"}},"fresh-air":{"id":"fresh-air","title":"Fresh Air","info":"Hosted by Terry Gross, \u003cem>Fresh Air from WHYY\u003c/em> is the Peabody Award-winning weekday magazine of contemporary arts and issues. One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.","airtime":"MON-FRI 7pm-8pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Fresh-Air-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/fresh-air/","meta":{"site":"radio","source":"npr"},"link":"/radio/program/fresh-air","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Fresh-Air-p17/","rss":"https://feeds.npr.org/381444908/podcast.xml"}},"here-and-now":{"id":"here-and-now","title":"Here & Now","info":"A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.","airtime":"MON-THU 11am-12pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Here-And-Now-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://www.wbur.org/hereandnow","meta":{"site":"news","source":"npr"},"link":"/radio/program/here-and-now","subsdcribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=426698661","tuneIn":"https://tunein.com/radio/Here--Now-p211/","rss":"https://feeds.npr.org/510051/podcast.xml"}},"how-i-built-this":{"id":"how-i-built-this","title":"How I Built This with Guy Raz","info":"Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png","officialWebsiteLink":"https://www.npr.org/podcasts/510313/how-i-built-this","airtime":"SUN 7:30pm-8pm","meta":{"site":"news","source":"npr"},"link":"/radio/program/how-i-built-this","subscribe":{"npr":"https://rpb3r.app.goo.gl/3zxy","apple":"https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2","tuneIn":"https://tunein.com/podcasts/Arts--Culture-Podcasts/How-I-Built-This-p910896/","rss":"https://feeds.npr.org/510313/podcast.xml"}},"inside-europe":{"id":"inside-europe","title":"Inside Europe","info":"Inside Europe, a one-hour weekly news magazine hosted by Helen Seeney and Keith Walker, explores the topical issues shaping the continent. No other part of the globe has experienced such dynamic political and social change in recent years.","airtime":"SAT 3am-4am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Inside-Europe-Podcast-Tile-300x300-1.jpg","meta":{"site":"news","source":"Deutsche Welle"},"link":"/radio/program/inside-europe","subscribe":{"apple":"https://itunes.apple.com/us/podcast/inside-europe/id80106806?mt=2","tuneIn":"https://tunein.com/radio/Inside-Europe-p731/","rss":"https://partner.dw.com/xml/podcast_inside-europe"}},"latino-usa":{"id":"latino-usa","title":"Latino USA","airtime":"MON 1am-2am, SUN 6pm-7pm","info":"Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg","officialWebsiteLink":"http://latinousa.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/latino-usa","subscribe":{"npr":"https://rpb3r.app.goo.gl/xtTd","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Latino-USA-p621/","rss":"https://feeds.npr.org/510016/podcast.xml"}},"live-from-here-highlights":{"id":"live-from-here-highlights","title":"Live from Here Highlights","info":"Chris Thile steps to the mic as the host of Live from Here (formerly A Prairie Home Companion), a live public radio variety show. Download Chris’s Song of the Week plus other highlights from the broadcast. Produced by American Public Media.","airtime":"SAT 6pm-8pm, SUN 11am-1pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Live-From-Here-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.livefromhere.org/","meta":{"site":"arts","source":"american public media"},"link":"/radio/program/live-from-here-highlights","subscribe":{"apple":"https://itunes.apple.com/us/podcast/id1167173941","tuneIn":"https://tunein.com/radio/Live-from-Here-Highlights-p921744/","rss":"https://feeds.publicradio.org/public_feeds/a-prairie-home-companion-highlights/rss/rss"}},"marketplace":{"id":"marketplace","title":"Marketplace","info":"Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.","airtime":"MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.marketplace.org/","meta":{"site":"news","source":"American Public Media"},"link":"/radio/program/marketplace","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=201853034&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/APM-Marketplace-p88/","rss":"https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"}},"mindshift":{"id":"mindshift","title":"MindShift","tagline":"A podcast about the future of learning and how we raise our kids","info":"The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.","airtime":"MON-FRI 3am-9am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/morning-edition/","meta":{"site":"news","source":"npr"},"link":"/radio/program/morning-edition"},"onourwatch":{"id":"onourwatch","title":"On Our Watch","tagline":"Police secrets, unsealed","info":"For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg","imageAlt":"On Our Watch from NPR and KQED","officialWebsiteLink":"/podcasts/onourwatch","meta":{"site":"news","source":"kqed","order":"1"},"link":"/podcasts/onourwatch","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1567098962","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw","npr":"https://rpb3r.app.goo.gl/onourwatch","spotify":"https://open.spotify.com/show/0OLWoyizopu6tY1XiuX70x","tuneIn":"https://tunein.com/radio/On-Our-Watch-p1436229/","stitcher":"https://www.stitcher.com/show/on-our-watch","rss":"https://feeds.npr.org/510360/podcast.xml"}},"on-the-media":{"id":"on-the-media","title":"On The Media","info":"Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us","airtime":"SUN 2pm-3pm, MON 12am-1am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png","officialWebsiteLink":"https://www.wnycstudios.org/shows/otm","meta":{"site":"news","source":"wnyc"},"link":"/radio/program/on-the-media","subscribe":{"apple":"https://itunes.apple.com/us/podcast/on-the-media/id73330715?mt=2","tuneIn":"https://tunein.com/radio/On-the-Media-p69/","rss":"http://feeds.wnyc.org/onthemedia"}},"our-body-politic":{"id":"our-body-politic","title":"Our Body Politic","info":"Presented by KQED, KCRW and KPCC, and created and hosted by award-winning journalist Farai Chideya, Our Body Politic is unapologetically centered on reporting on not just how women of color experience the major political events of today, but how they’re impacting those very issues.","airtime":"SAT 6pm-7pm, SUN 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Our-Body-Politic-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://our-body-politic.simplecast.com/","meta":{"site":"news","source":"kcrw"},"link":"/radio/program/our-body-politic","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/our-body-politic/id1533069868","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5zaW1wbGVjYXN0LmNvbS9feGFQaHMxcw","spotify":"https://open.spotify.com/show/4ApAiLT1kV153TttWAmqmc","rss":"https://feeds.simplecast.com/_xaPhs1s","tuneIn":"https://tunein.com/podcasts/News--Politics-Podcasts/Our-Body-Politic-p1369211/"}},"pbs-newshour":{"id":"pbs-newshour","title":"PBS NewsHour","info":"Analysis, background reports and updates from the PBS NewsHour putting today's news in context.","airtime":"MON-FRI 3pm-4pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/PBS-News-Hour-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pbs.org/newshour/","meta":{"site":"news","source":"pbs"},"link":"/radio/program/pbs-newshour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/pbs-newshour-full-show/id394432287?mt=2","tuneIn":"https://tunein.com/radio/PBS-NewsHour---Full-Show-p425698/","rss":"https://www.pbs.org/newshour/feeds/rss/podcasts/show"}},"perspectives":{"id":"perspectives","title":"Perspectives","tagline":"KQED's series of of daily listener commentaries since 1991","info":"KQED's series of of daily listener commentaries since 1991.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Perspectives-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/perspectives/","meta":{"site":"radio","source":"kqed","order":"15"},"link":"/perspectives","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/id73801135","npr":"https://www.npr.org/podcasts/432309616/perspectives","rss":"https://ww2.kqed.org/perspectives/category/perspectives/feed/","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvcGVyc3BlY3RpdmVzL2NhdGVnb3J5L3BlcnNwZWN0aXZlcy9mZWVkLw"}},"planet-money":{"id":"planet-money","title":"Planet Money","info":"The economy explained. Imagine you could call up a friend and say, Meet me at the bar and tell me what's going on with the economy. Now imagine that's actually a fun evening.","airtime":"SUN 3pm-4pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/planetmoney.jpg","officialWebsiteLink":"https://www.npr.org/sections/money/","meta":{"site":"news","source":"npr"},"link":"/radio/program/planet-money","subscribe":{"npr":"https://rpb3r.app.goo.gl/M4f5","apple":"https://itunes.apple.com/us/podcast/planet-money/id290783428?mt=2","tuneIn":"https://tunein.com/podcasts/Business--Economics-Podcasts/Planet-Money-p164680/","rss":"https://feeds.npr.org/510289/podcast.xml"}},"politicalbreakdown":{"id":"politicalbreakdown","title":"Political Breakdown","tagline":"Politics from a personal perspective","info":"Political Breakdown is a new series that explores the political intersection of California and the nation. Each week hosts Scott Shafer and Marisa Lagos are joined with a new special guest to unpack politics -- with personality — and offer an insider’s glimpse at how politics happens.","airtime":"THU 6:30pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Political-Breakdown-2024-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Political Breakdown","officialWebsiteLink":"/podcasts/politicalbreakdown","meta":{"site":"radio","source":"kqed","order":"11"},"link":"/podcasts/politicalbreakdown","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/political-breakdown/id1327641087","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5Nzk2MzI2MTEx","npr":"https://www.npr.org/podcasts/572155894/political-breakdown","stitcher":"https://www.stitcher.com/podcast/kqed/political-breakdown","spotify":"https://open.spotify.com/show/07RVyIjIdk2WDuVehvBMoN","rss":"https://ww2.kqed.org/news/tag/political-breakdown/feed/podcast"}},"pri-the-world":{"id":"pri-the-world","title":"PRI's The World: Latest Edition","info":"Each weekday, host Marco Werman and his team of producers bring you the world's most interesting stories in an hour of radio that reminds us just how small our planet really is.","airtime":"MON-FRI 2pm-3pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-World-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pri.org/programs/the-world","meta":{"site":"news","source":"PRI"},"link":"/radio/program/pri-the-world","subscribe":{"apple":"https://itunes.apple.com/us/podcast/pris-the-world-latest-edition/id278196007?mt=2","tuneIn":"https://tunein.com/podcasts/News--Politics-Podcasts/PRIs-The-World-p24/","rss":"http://feeds.feedburner.com/pri/theworld"}},"radiolab":{"id":"radiolab","title":"Radiolab","info":"A two-time Peabody Award-winner, Radiolab is an investigation told through sounds and stories, and centered around one big idea. In the Radiolab world, information sounds like music and science and culture collide. Hosted by Jad Abumrad and Robert Krulwich, the show is designed for listeners who demand skepticism, but appreciate wonder. WNYC Studios is the producer of other leading podcasts including Freakonomics Radio, Death, Sex & Money, On the Media and many more.","airtime":"SUN 12am-1am, SAT 2pm-3pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/radiolab1400.png","officialWebsiteLink":"https://www.wnycstudios.org/shows/radiolab/","meta":{"site":"science","source":"WNYC"},"link":"/radio/program/radiolab","subscribe":{"apple":"https://itunes.apple.com/us/podcast/radiolab/id152249110?mt=2","tuneIn":"https://tunein.com/radio/RadioLab-p68032/","rss":"https://feeds.wnyc.org/radiolab"}},"reveal":{"id":"reveal","title":"Reveal","info":"Created by The Center for Investigative Reporting and PRX, Reveal is public radios first one-hour weekly radio show and podcast dedicated to investigative reporting. Credible, fact based and without a partisan agenda, Reveal combines the power and artistry of driveway moment storytelling with data-rich reporting on critically important issues. The result is stories that inform and inspire, arming our listeners with information to right injustices, hold the powerful accountable and improve lives.Reveal is hosted by Al Letson and showcases the award-winning work of CIR and newsrooms large and small across the nation. In a radio and podcast market crowded with choices, Reveal focuses on important and often surprising stories that illuminate the world for our listeners.","airtime":"SAT 4pm-5pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/reveal300px.png","officialWebsiteLink":"https://www.revealnews.org/episodes/","meta":{"site":"news","source":"npr"},"link":"/radio/program/reveal","subscribe":{"apple":"https://itunes.apple.com/us/podcast/reveal/id886009669","tuneIn":"https://tunein.com/radio/Reveal-p679597/","rss":"http://feeds.revealradio.org/revealpodcast"}},"says-you":{"id":"says-you","title":"Says You!","info":"Public radio's game show of bluff and bluster, words and whimsy. The warmest, wittiest cocktail party - it's spirited and civil, brainy and boisterous, peppered with musical interludes. Fast paced and playful, it's the most fun you can have with language without getting your mouth washed out with soap. Our motto: It's not important to know the answers, it's important to like the answers!","airtime":"SUN 4pm-5pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Says-You-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://www.saysyouradio.com/","meta":{"site":"comedy","source":"Pipit and Finch"},"link":"/radio/program/says-you","subscribe":{"apple":"https://itunes.apple.com/us/podcast/says-you!/id1050199826","tuneIn":"https://tunein.com/radio/Says-You-p480/","rss":"https://saysyou.libsyn.com/rss"}},"science-friday":{"id":"science-friday","title":"Science Friday","info":"Science Friday is a weekly science talk show, broadcast live over public radio stations nationwide. Each week, the show focuses on science topics that are in the news and tries to bring an educated, balanced discussion to bear on the scientific issues at hand. Panels of expert guests join host Ira Flatow, a veteran science journalist, to discuss science and to take questions from listeners during the call-in portion of the program.","airtime":"FRI 11am-1pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Science-Friday-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.wnycstudios.org/shows/science-friday","meta":{"site":"news","source":"npr"},"link":"/radio/program/science-friday","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=73329284&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Science-Friday-p394/","rss":"http://feeds.wnyc.org/science-friday"}},"science-podcast":{"id":"science-podcast","title":"KQED Science News","tagline":"From the lab, to your ears","info":"KQED Science explores science and environment news, trends, and events from the Bay Area and beyond.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Science-News-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"https://ww2.kqed.org/science/category/science-podcast/","meta":{"site":"science","source":"kqed","order":"17"},"link":"/science/category/science-podcast","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqed-science-news/id214663465","google":"https://podcasts.google.com/feed/aHR0cDovL2Jsb2dzLmtxZWQub3JnL3NjaWVuY2UvZmVlZC8","stitcher":"https://www.stitcher.com/podcast/kqed-science-news","rss":"https://ww2.kqed.org/science/category/science-podcast/feed/podcast"}},"selected-shorts":{"id":"selected-shorts","title":"Selected Shorts","info":"Spellbinding short stories by established and emerging writers take on a new life when they are performed by stars of the stage and screen.","airtime":"SAT 8pm-9pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Selected-Shorts-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pri.org/programs/selected-shorts","meta":{"site":"arts","source":"pri"},"link":"/radio/program/selected-shorts","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=253191824&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Selected-Shorts-p31792/","rss":"https://feeds.megaphone.fm/selectedshorts"}},"snap-judgment":{"id":"snap-judgment","title":"Snap Judgment","info":"Snap Judgment (Storytelling, with a BEAT) mixes real stories with killer beats to produce cinematic, dramatic, kick-ass radio. Snap’s raw, musical brand of storytelling dares listeners to see the world through the eyes of another. WNYC studios is the producer of leading podcasts including Radiolab, Freakonomics Radio, Note To Self, Here’s The Thing With Alec Baldwin, and more.","airtime":"SAT 1pm-2pm, 9pm-10pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/snapJudgement.jpg","officialWebsiteLink":"https://snapjudgment.org","meta":{"site":"arts","source":"WNYC"},"link":"/radio/program/snap-judgment","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=283657561&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Snap-Judgment-p243817/","rss":"https://feeds.feedburner.com/snapjudgment-wnyc"}},"soldout":{"id":"soldout","title":"SOLD OUT: Rethinking Housing in America","tagline":"A new future for housing","info":"Sold Out: Rethinking Housing in America","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Sold-Out-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Sold Out: Rethinking Housing in America","officialWebsiteLink":"/podcasts/soldout","meta":{"site":"news","source":"kqed","order":3},"link":"/podcasts/soldout","subscribe":{"npr":"https://www.npr.org/podcasts/911586047/s-o-l-d-o-u-t-a-new-future-for-housing","apple":"https://podcasts.apple.com/us/podcast/introducing-sold-out-rethinking-housing-in-america/id1531354937","rss":"https://feeds.megaphone.fm/soldout","spotify":"https://open.spotify.com/show/38dTBSk2ISFoPiyYNoKn1X","stitcher":"https://www.stitcher.com/podcast/kqed/sold-out-rethinking-housing-in-america","tunein":"https://tunein.com/radio/SOLD-OUT-Rethinking-Housing-in-America-p1365871/","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vc29sZG91dA"}},"ted-radio-hour":{"id":"ted-radio-hour","title":"TED Radio Hour","info":"The TED Radio Hour is a journey through fascinating ideas, astonishing inventions, fresh approaches to old problems, and new ways to think and create.","airtime":"SUN 3pm-4pm, SAT 10pm-11pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/tedRadioHour.jpg","officialWebsiteLink":"https://www.npr.org/programs/ted-radio-hour/?showDate=2018-06-22","meta":{"site":"news","source":"npr"},"link":"/radio/program/ted-radio-hour","subscribe":{"npr":"https://rpb3r.app.goo.gl/8vsS","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=523121474&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/TED-Radio-Hour-p418021/","rss":"https://feeds.npr.org/510298/podcast.xml"}},"tech-nation":{"id":"tech-nation","title":"Tech Nation Radio Podcast","info":"Tech Nation is a weekly public radio program, hosted by Dr. Moira Gunn. Founded in 1993, it has grown from a simple interview show to a multi-faceted production, featuring conversations with noted technology and science leaders, and a weekly science and technology-related commentary.","airtime":"FRI 10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Tech-Nation-Radio-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://technation.podomatic.com/","meta":{"site":"science","source":"Tech Nation Media"},"link":"/radio/program/tech-nation","subscribe":{"rss":"https://technation.podomatic.com/rss2.xml"}},"thebay":{"id":"thebay","title":"The Bay","tagline":"Local news to keep you rooted","info":"Host Devin Katayama walks you through the biggest story of the day with reporters and newsmakers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Bay-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED The Bay","officialWebsiteLink":"/podcasts/thebay","meta":{"site":"radio","source":"kqed","order":"6"},"link":"/podcasts/thebay","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/the-bay/id1350043452","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM4MjU5Nzg2MzI3","npr":"https://www.npr.org/podcasts/586725995/the-bay","stitcher":"https://www.stitcher.com/podcast/kqed/the-bay","spotify":"https://open.spotify.com/show/4BIKBKIujizLHlIlBNaAqQ","rss":"https://feeds.megaphone.fm/KQINC8259786327"}},"californiareport":{"id":"californiareport","title":"The California Report","tagline":"California, day by day","info":"KQED’s statewide radio news program providing daily coverage of issues, trends and public policy decisions.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED The California Report","officialWebsiteLink":"/californiareport","meta":{"site":"news","source":"kqed","order":"9"},"link":"/californiareport","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-the-california-report/id79681292","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1MDAyODE4NTgz","npr":"https://www.npr.org/podcasts/432285393/the-california-report","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-the-california-report-podcast-8838","rss":"https://ww2.kqed.org/news/tag/tcram/feed/podcast"}},"californiareportmagazine":{"id":"californiareportmagazine","title":"The California Report Magazine","tagline":"Your state, your stories","info":"Every week, The California Report Magazine takes you on a road trip for the ears: to visit the places and meet the people who make California unique. The in-depth storytelling podcast from the California Report.","airtime":"FRI 4:30pm-5pm, 6:30pm-7pm, 11pm-11:30pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Magazine-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/californiareportmagazine","meta":{"site":"news","source":"kqed","order":"10"},"link":"/californiareportmagazine","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/the-california-report-magazine/id1314750545","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM3NjkwNjk1OTAz","npr":"https://www.npr.org/podcasts/564733126/the-california-report-magazine","stitcher":"https://www.stitcher.com/podcast/kqed/the-california-report-magazine","rss":"https://ww2.kqed.org/news/tag/tcrmag/feed/podcast"}},"theleap":{"id":"theleap","title":"The Leap","tagline":"What if you closed your eyes, and jumped?","info":"Stories about people making dramatic, risky changes, told by award-winning public radio reporter Judy Campbell.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Leap-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED The Leap","officialWebsiteLink":"/podcasts/theleap","meta":{"site":"news","source":"kqed","order":"14"},"link":"/podcasts/theleap","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/the-leap/id1046668171","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM0NTcwODQ2MjY2","npr":"https://www.npr.org/podcasts/447248267/the-leap","stitcher":"https://www.stitcher.com/podcast/kqed/the-leap","spotify":"https://open.spotify.com/show/3sSlVHHzU0ytLwuGs1SD1U","rss":"https://ww2.kqed.org/news/programs/the-leap/feed/podcast"}},"masters-of-scale":{"id":"masters-of-scale","title":"Masters of Scale","info":"Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.","airtime":"Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Masters-of-Scale-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://mastersofscale.com/","meta":{"site":"radio","source":"WaitWhat"},"link":"/radio/program/masters-of-scale","subscribe":{"apple":"http://mastersofscale.app.link/","rss":"https://rss.art19.com/masters-of-scale"}},"the-moth-radio-hour":{"id":"the-moth-radio-hour","title":"The Moth Radio Hour","info":"Since its launch in 1997, The Moth has presented thousands of true stories, told live and without notes, to standing-room-only crowds worldwide. Moth storytellers stand alone, under a spotlight, with only a microphone and a roomful of strangers. The storyteller and the audience embark on a high-wire act of shared experience which is both terrifying and exhilarating. Since 2008, The Moth podcast has featured many of our favorite stories told live on Moth stages around the country. For information on all of our programs and live events, visit themoth.org.","airtime":"SAT 8pm-9pm and SUN 11am-12pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/theMoth.jpg","officialWebsiteLink":"https://themoth.org/","meta":{"site":"arts","source":"prx"},"link":"/radio/program/the-moth-radio-hour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/the-moth-podcast/id275699983?mt=2","tuneIn":"https://tunein.com/radio/The-Moth-p273888/","rss":"http://feeds.themoth.org/themothpodcast"}},"the-new-yorker-radio-hour":{"id":"the-new-yorker-radio-hour","title":"The New Yorker Radio Hour","info":"The New Yorker Radio Hour is a weekly program presented by the magazine's editor, David Remnick, and produced by WNYC Studios and The New Yorker. Each episode features a diverse mix of interviews, profiles, storytelling, and an occasional burst of humor inspired by the magazine, and shaped by its writers, artists, and editors. This isn't a radio version of a magazine, but something all its own, reflecting the rich possibilities of audio storytelling and conversation. Theme music for the show was composed and performed by Merrill Garbus of tUnE-YArDs.","airtime":"SAT 10am-11am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-New-Yorker-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.wnycstudios.org/shows/tnyradiohour","meta":{"site":"arts","source":"WNYC"},"link":"/radio/program/the-new-yorker-radio-hour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/id1050430296","tuneIn":"https://tunein.com/podcasts/WNYC-Podcasts/New-Yorker-Radio-Hour-p803804/","rss":"https://feeds.feedburner.com/newyorkerradiohour"}},"the-takeaway":{"id":"the-takeaway","title":"The Takeaway","info":"The Takeaway is produced in partnership with its national audience. It delivers perspective and analysis to help us better understand the day’s news. Be a part of the American conversation on-air and online.","airtime":"MON-THU 12pm-1pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Takeaway-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.wnycstudios.org/shows/takeaway","meta":{"site":"news","source":"WNYC"},"link":"/radio/program/the-takeaway","subscribe":{"apple":"https://itunes.apple.com/us/podcast/the-takeaway/id363143310?mt=2","tuneIn":"http://tunein.com/radio/The-Takeaway-p150731/","rss":"https://feeds.feedburner.com/takeawaypodcast"}},"this-american-life":{"id":"this-american-life","title":"This American Life","info":"This American Life is a weekly public radio show, heard by 2.2 million people on more than 500 stations. Another 2.5 million people download the weekly podcast. It is hosted by Ira Glass, produced in collaboration with Chicago Public Media, delivered to stations by PRX The Public Radio Exchange, and has won all of the major broadcasting awards.","airtime":"SAT 12pm-1pm, 7pm-8pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/thisAmericanLife.png","officialWebsiteLink":"https://www.thisamericanlife.org/","meta":{"site":"news","source":"wbez"},"link":"/radio/program/this-american-life","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=201671138&at=11l79Y&ct=nprdirectory","rss":"https://www.thisamericanlife.org/podcast/rss.xml"}},"truthbetold":{"id":"truthbetold","title":"Truth Be Told","tagline":"Advice by and for people of color","info":"We’re the friend you call after a long day, the one who gets it. Through wisdom from some of the greatest thinkers of our time, host Tonya Mosley explores what it means to grow and thrive as a Black person in America, while discovering new ways of being that serve as a portal to more love, more healing, and more joy.","airtime":"","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Truth-Be-Told-Podcast-Tile-360x360-1.jpg","imageAlt":"KQED Truth Be Told with Tonya Mosley","officialWebsiteLink":"https://www.kqed.ord/podcasts/truthbetold","meta":{"site":"news","source":"npr","order":"12"},"link":"/podcasts/truthbetold","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/truth-be-told/id1462216572","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS90cnV0aC1iZS10b2xkLXBvZGNhc3QvZmVlZA","npr":"https://www.npr.org/podcasts/719210818/truth-be-told","stitcher":"https://www.stitcher.com/s?fid=398170&refid=stpr","spotify":"https://open.spotify.com/show/587DhwTBxke6uvfwDfaV5N"}},"wait-wait-dont-tell-me":{"id":"wait-wait-dont-tell-me","title":"Wait Wait... Don't Tell Me!","info":"Peter Sagal and Bill Kurtis host the weekly NPR News quiz show alongside some of the best and brightest news and entertainment personalities.","airtime":"SUN 10am-11am, SAT 11am-12pm, SAT 6pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Wait-Wait-Podcast-Tile-300x300-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/wait-wait-dont-tell-me/","meta":{"site":"news","source":"npr"},"link":"/radio/program/wait-wait-dont-tell-me","subscribe":{"npr":"https://rpb3r.app.goo.gl/Xogv","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=121493804&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Wait-Wait-Dont-Tell-Me-p46/","rss":"https://feeds.npr.org/344098539/podcast.xml"}},"washington-week":{"id":"washington-week","title":"Washington Week","info":"For 50 years, Washington Week has been the most intelligent and up to date conversation about the most important news stories of the week. Washington Week is the longest-running news and public affairs program on PBS and features journalists -- not pundits -- lending insight and perspective to the week's important news stories.","airtime":"SAT 1:30am-2am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/washington-week.jpg","officialWebsiteLink":"http://www.pbs.org/weta/washingtonweek/","meta":{"site":"news","source":"pbs"},"link":"/radio/program/washington-week","subscribe":{"apple":"https://itunes.apple.com/us/podcast/washington-week-audio-pbs/id83324702?mt=2","tuneIn":"https://tunein.com/podcasts/Current-Affairs/Washington-Week-p693/","rss":"http://feeds.pbs.org/pbs/weta/washingtonweek-audio"}},"weekend-edition-saturday":{"id":"weekend-edition-saturday","title":"Weekend Edition Saturday","info":"Weekend Edition Saturday wraps up the week's news and offers a mix of analysis and features on a wide range of topics, including arts, sports, entertainment, and human interest stories. The two-hour program is hosted by NPR's Peabody Award-winning Scott Simon.","airtime":"SAT 5am-10am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Weekend-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/weekend-edition-saturday/","meta":{"site":"news","source":"npr"},"link":"/radio/program/weekend-edition-saturday"},"weekend-edition-sunday":{"id":"weekend-edition-sunday","title":"Weekend Edition Sunday","info":"Weekend Edition Sunday features interviews with newsmakers, artists, scientists, politicians, musicians, writers, theologians and historians. The program has covered news events from Nelson Mandela's 1990 release from a South African prison to the capture of Saddam Hussein.","airtime":"SUN 5am-10am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Weekend-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/weekend-edition-sunday/","meta":{"site":"news","source":"npr"},"link":"/radio/program/weekend-edition-sunday"},"world-affairs":{"id":"world-affairs","title":"World Affairs","info":"The world as we knew it is undergoing a rapid transformation…so what's next? Welcome to WorldAffairs, your guide to a changing world. We give you the context you need to navigate across borders and ideologies. Through sound-rich stories and in-depth interviews, we break down what it means to be a global citizen on a hot, crowded planet. Our hosts, Ray Suarez, Teresa Cotsirilos and Philip Yun help you make sense of an uncertain world, one story at a time.","airtime":"MON 10pm, TUE 1am, SAT 3am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/World-Affairs-Podcast-Tile-360x360-1.jpg ","officialWebsiteLink":"https://www.worldaffairs.org/","meta":{"site":"news","source":"World Affairs"},"link":"/radio/program/world-affairs","subscribe":{"apple":"https://itunes.apple.com/us/podcast/world-affairs/id101215657?mt=2","tuneIn":"https://tunein.com/radio/WorldAffairs-p1665/","rss":"https://worldaffairs.libsyn.com/rss"}},"on-shifting-ground":{"id":"on-shifting-ground","title":"On Shifting Ground with Ray Suarez","info":"Geopolitical turmoil. A warming planet. Authoritarians on the rise. We live in a chaotic world that’s rapidly shifting around us. “On Shifting Ground with Ray Suarez” explores international fault lines and how they impact us all. Each week, NPR veteran Ray Suarez hosts conversations with journalists, leaders and policy experts to help us read between the headlines – and give us hope for human resilience.","airtime":"MON 10pm, TUE 1am, SAT 3am","imageSrc":"https://ww2.kqed.org/app/uploads/2022/12/onshiftingground-600x600-1.png","officialWebsiteLink":"https://worldaffairs.org/radio-podcast/","meta":{"site":"news","source":"On Shifting Ground"},"link":"/radio/program/on-shifting-ground","subscribe":{"apple":"https://podcasts.apple.com/ie/podcast/on-shifting-ground/id101215657","rss":"https://feeds.libsyn.com/36668/rss"}},"hidden-brain":{"id":"hidden-brain","title":"Hidden Brain","info":"Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/hiddenbrain.jpg","officialWebsiteLink":"https://www.npr.org/series/423302056/hidden-brain","airtime":"SUN 7pm-8pm","meta":{"site":"news","source":"NPR"},"link":"/radio/program/hidden-brain","subscribe":{"apple":"https://itunes.apple.com/us/podcast/hidden-brain/id1028908750?mt=2","tuneIn":"https://tunein.com/podcasts/Science-Podcasts/Hidden-Brain-p787503/","rss":"https://feeds.npr.org/510308/podcast.xml"}},"city-arts":{"id":"city-arts","title":"City Arts & Lectures","info":"A one-hour radio program to hear celebrated writers, artists and thinkers address contemporary ideas and values, often discussing the creative process. Please note: tapes or transcripts are not available","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/cityartsandlecture-300x300.jpg","officialWebsiteLink":"https://www.cityarts.net/","airtime":"SUN 1pm-2pm, TUE 10pm, WED 1am","meta":{"site":"news","source":"City Arts & Lectures"},"link":"https://www.cityarts.net","subscribe":{"tuneIn":"https://tunein.com/radio/City-Arts-and-Lectures-p692/","rss":"https://www.cityarts.net/feed/"}},"white-lies":{"id":"white-lies","title":"White Lies","info":"In 1965, Rev. James Reeb was murdered in Selma, Alabama. Three men were tried and acquitted, but no one was ever held to account. Fifty years later, two journalists from Alabama return to the city where it happened, expose the lies that kept the murder from being solved and uncover a story about guilt and memory that says as much about America today as it does about the past.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/White-Lies-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/podcasts/510343/white-lies","meta":{"site":"news","source":"npr"},"link":"/radio/program/white-lies","subscribe":{"npr":"https://rpb3r.app.goo.gl/whitelies","apple":"https://podcasts.apple.com/podcast/id1462650519?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM0My9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/12yZ2j8vxqhc0QZyRES3ft?si=LfWYEK6URA63hueKVxRLAw","rss":"https://feeds.npr.org/510343/podcast.xml"}},"rightnowish":{"id":"rightnowish","title":"Rightnowish","tagline":"Art is where you find it","info":"Rightnowish digs into life in the Bay Area right now… ish. Journalist Pendarvis Harshaw takes us to galleries painted on the sides of liquor stores in West Oakland. We'll dance in warehouses in the Bayview, make smoothies with kids in South Berkeley, and listen to classical music in a 1984 Cutlass Supreme in Richmond. Every week, Pen talks to movers and shakers about how the Bay Area shapes what they create, and how they shape the place we call home.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Rightnowish-Podcast-Tile-500x500-1.jpg","imageAlt":"KQED Rightnowish with Pendarvis Harshaw","officialWebsiteLink":"/podcasts/rightnowish","meta":{"site":"arts","source":"kqed","order":"5"},"link":"/podcasts/rightnowish","subscribe":{"npr":"https://www.npr.org/podcasts/721590300/rightnowish","rss":"https://ww2.kqed.org/arts/programs/rightnowish/feed/podcast","apple":"https://podcasts.apple.com/us/podcast/rightnowish/id1482187648","stitcher":"https://www.stitcher.com/podcast/kqed/rightnowish","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMxMjU5MTY3NDc4","spotify":"https://open.spotify.com/show/7kEJuafTzTVan7B78ttz1I"}},"jerrybrown":{"id":"jerrybrown","title":"The Political Mind of Jerry Brown","tagline":"Lessons from a lifetime in politics","info":"The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game and Brown has some lessons he'd like to share. ","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED The Political Mind of Jerry Brown","officialWebsiteLink":"/podcasts/jerrybrown","meta":{"site":"news","source":"kqed","order":"16"},"link":"/podcasts/jerrybrown","subscribe":{"npr":"https://www.npr.org/podcasts/790253322/the-political-mind-of-jerry-brown","apple":"https://itunes.apple.com/us/podcast/id1492194549","rss":"https://ww2.kqed.org/news/series/jerrybrown/feed/podcast/","tuneIn":"http://tun.in/pjGcK","stitcher":"https://www.stitcher.com/podcast/kqed/the-political-mind-of-jerry-brown","spotify":"https://open.spotify.com/show/54C1dmuyFyKMFttY6X2j6r?si=K8SgRCoISNK6ZbjpXrX5-w","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9zZXJpZXMvamVycnlicm93bi9mZWVkL3BvZGNhc3Qv"}},"the-splendid-table":{"id":"the-splendid-table","title":"The Splendid Table","info":"\u003cem>The Splendid Table\u003c/em> hosts our nation's conversations about cooking, sustainability and food culture.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Splendid-Table-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.splendidtable.org/","airtime":"SUN 10-11 pm","meta":{"site":"radio","source":"npr"},"link":"/radio/program/the-splendid-table"}},"racesReducer":{"5921":{"id":"5921","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 7","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":158422,"precinctsReportPercentage":98.97,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Doris Matsui","candidateIncumbent":true,"candidateParty":"D","voteCount":89456,"isWinner":true},{"candidateName":"Tom Silva","candidateIncumbent":false,"candidateParty":"R","voteCount":48920,"isWinner":true},{"candidateName":"David Mandel","candidateIncumbent":false,"candidateParty":"D","voteCount":20046,"isWinner":false}],"winnerDateTime":"2024-03-09T01:00:38.194Z"},"5922":{"id":"5922","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 8","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Rudy Recile","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"John Garamendi","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5924":{"id":"5924","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 10","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":185034,"precinctsReportPercentage":99.07,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Mark DeSaulnier","candidateIncumbent":true,"candidateParty":"D","voteCount":121265,"isWinner":true},{"candidateName":"Katherine Piccinini","candidateIncumbent":false,"candidateParty":"R","voteCount":34883,"isWinner":true},{"candidateName":"Nolan Chen","candidateIncumbent":false,"candidateParty":"R","voteCount":19459,"isWinner":false},{"candidateName":"Joe Sweeney","candidateIncumbent":false,"candidateParty":"NPP","voteCount":7606,"isWinner":false},{"candidateName":"Mohamed Elsherbini","candidateIncumbent":false,"candidateParty":"NPP","voteCount":1821,"isWinner":false}],"winnerDateTime":"2024-03-09T01:02:32.415Z"},"5926":{"id":"5926","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 12","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":153801,"precinctsReportPercentage":98.88,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:41 PM","source":"AP","candidates":[{"candidateName":"Lateefah Simon","candidateIncumbent":false,"candidateParty":"D","voteCount":85905,"isWinner":true},{"candidateName":"Jennifer Tran","candidateIncumbent":false,"candidateParty":"D","voteCount":22964,"isWinner":true},{"candidateName":"Tony Daysog","candidateIncumbent":false,"candidateParty":"D","voteCount":17197,"isWinner":false},{"candidateName":"Stephen Slauson","candidateIncumbent":false,"candidateParty":"R","voteCount":9699,"isWinner":false},{"candidateName":"Glenn Kaplan","candidateIncumbent":false,"candidateParty":"D","voteCount":6785,"isWinner":false},{"candidateName":"Eric Wilson","candidateIncumbent":false,"candidateParty":"D","voteCount":4243,"isWinner":false},{"candidateName":"Abdur Sikder","candidateIncumbent":false,"candidateParty":"D","voteCount":2847,"isWinner":false},{"candidateName":"Ned Nuerge","candidateIncumbent":false,"candidateParty":"R","voteCount":2532,"isWinner":false},{"candidateName":"Andre Todd","candidateIncumbent":false,"candidateParty":"D","voteCount":1629,"isWinner":false}],"winnerDateTime":"2024-03-16T00:22:36.062Z"},"5928":{"id":"5928","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 14","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":125831,"precinctsReportPercentage":99.14,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:41 PM","source":"AP","candidates":[{"candidateName":"Eric Swalwell","candidateIncumbent":true,"candidateParty":"D","voteCount":83989,"isWinner":true},{"candidateName":"Vin Kruttiventi","candidateIncumbent":false,"candidateParty":"R","voteCount":22106,"isWinner":true},{"candidateName":"Alison Hayden","candidateIncumbent":false,"candidateParty":"R","voteCount":11928,"isWinner":false},{"candidateName":"Luis Reynoso","candidateIncumbent":false,"candidateParty":"R","voteCount":7808,"isWinner":false}],"winnerDateTime":"2024-03-12T00:51:36.366Z"},"5930":{"id":"5930","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 16","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":182135,"precinctsReportPercentage":98.91,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"April 3, 2024","timeUpdated":"3:04 PM","source":"AP","candidates":[{"candidateName":"Sam Liccardo","candidateIncumbent":false,"candidateParty":"D","voteCount":38489,"isWinner":true},{"candidateName":"Evan Low","candidateIncumbent":false,"candidateParty":"D","voteCount":30249,"isWinner":false},{"candidateName":"Joe Simitian","candidateIncumbent":false,"candidateParty":"D","voteCount":30249,"isWinner":false},{"candidateName":"Peter Ohtaki","candidateIncumbent":false,"candidateParty":"R","voteCount":23275,"isWinner":false},{"candidateName":"Peter Dixon","candidateIncumbent":false,"candidateParty":"D","voteCount":14673,"isWinner":false},{"candidateName":"Rishi Kumar","candidateIncumbent":false,"candidateParty":"D","voteCount":12377,"isWinner":false},{"candidateName":"Karl Ryan","candidateIncumbent":false,"candidateParty":"R","voteCount":11557,"isWinner":false},{"candidateName":"Julie Lythcott-Haims","candidateIncumbent":false,"candidateParty":"D","voteCount":11383,"isWinner":false},{"candidateName":"Ahmed Mostafa","candidateIncumbent":false,"candidateParty":"D","voteCount":5811,"isWinner":false},{"candidateName":"Greg Tanaka","candidateIncumbent":false,"candidateParty":"D","voteCount":2421,"isWinner":false},{"candidateName":"Joby Bernstein","candidateIncumbent":false,"candidateParty":"D","voteCount":1651,"isWinner":false}],"winnerDateTime":"2024-03-12T00:32:05.002Z"},"5931":{"id":"5931","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 17","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":117534,"precinctsReportPercentage":98.92,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Ro Khanna","candidateIncumbent":true,"candidateParty":"D","voteCount":73941,"isWinner":true},{"candidateName":"Anita Chen","candidateIncumbent":false,"candidateParty":"R","voteCount":31539,"isWinner":true},{"candidateName":"Ritesh Tandon","candidateIncumbent":false,"candidateParty":"D","voteCount":5728,"isWinner":false},{"candidateName":"Mario Ramirez","candidateIncumbent":false,"candidateParty":"D","voteCount":4491,"isWinner":false},{"candidateName":"Joe Dehn","candidateIncumbent":false,"candidateParty":"Lib","voteCount":1835,"isWinner":false}],"winnerDateTime":"2024-03-08T01:50:53.956Z"},"5932":{"id":"5932","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 18","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":96302,"precinctsReportPercentage":98.93,"eevp":98.83,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Zoe Lofgren","candidateIncumbent":true,"candidateParty":"D","voteCount":49323,"isWinner":true},{"candidateName":"Peter Hernandez","candidateIncumbent":false,"candidateParty":"R","voteCount":31622,"isWinner":true},{"candidateName":"Charlene Nijmeh","candidateIncumbent":false,"candidateParty":"D","voteCount":10614,"isWinner":false},{"candidateName":"Lawrence Milan","candidateIncumbent":false,"candidateParty":"D","voteCount":2712,"isWinner":false},{"candidateName":"Luele Kifle","candidateIncumbent":false,"candidateParty":"D","voteCount":2031,"isWinner":false}],"winnerDateTime":"2024-03-12T00:26:02.706Z"},"5963":{"id":"5963","type":"apRace","location":"State of California","raceName":"State House, District 2","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":139085,"precinctsReportPercentage":98.62,"eevp":98.6,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Michael Greer","candidateIncumbent":false,"candidateParty":"R","voteCount":38079,"isWinner":true},{"candidateName":"Chris Rogers","candidateIncumbent":false,"candidateParty":"D","voteCount":27126,"isWinner":true},{"candidateName":"Rusty Hicks","candidateIncumbent":false,"candidateParty":"D","voteCount":25615,"isWinner":false},{"candidateName":"Ariel Kelley","candidateIncumbent":false,"candidateParty":"D","voteCount":19483,"isWinner":false},{"candidateName":"Frankie Myers","candidateIncumbent":false,"candidateParty":"D","voteCount":17694,"isWinner":false},{"candidateName":"Ted Williams","candidateIncumbent":false,"candidateParty":"D","voteCount":9550,"isWinner":false},{"candidateName":"Cynthia Click","candidateIncumbent":false,"candidateParty":"D","voteCount":1538,"isWinner":false}],"winnerDateTime":"2024-03-22T21:38:36.711Z"},"5972":{"id":"5972","type":"apRace","location":"State of California","raceName":"State House, District 11","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":99775,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Lori Wilson","candidateIncumbent":true,"candidateParty":"D","voteCount":50085,"isWinner":true},{"candidateName":"Dave Ennis","candidateIncumbent":false,"candidateParty":"R","voteCount":26074,"isWinner":true},{"candidateName":"Wanda Wallis","candidateIncumbent":false,"candidateParty":"R","voteCount":14638,"isWinner":false},{"candidateName":"Jeffrey Flack","candidateIncumbent":false,"candidateParty":"D","voteCount":8978,"isWinner":false}],"winnerDateTime":"2024-03-08T02:01:24.524Z"},"5973":{"id":"5973","type":"apRace","location":"State of California","raceName":"State House, District 12","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":143532,"precinctsReportPercentage":99.19,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:38 PM","source":"AP","candidates":[{"candidateName":"Damon Connolly","candidateIncumbent":true,"candidateParty":"D","voteCount":111275,"isWinner":true},{"candidateName":"Andy Podshadley","candidateIncumbent":false,"candidateParty":"R","voteCount":17240,"isWinner":true},{"candidateName":"Eryn Cervantes","candidateIncumbent":false,"candidateParty":"R","voteCount":15017,"isWinner":false}],"winnerDateTime":"2024-03-21T00:25:32.262Z"},"5975":{"id":"5975","type":"apRace","location":"State of California","raceName":"State House, District 14","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":106997,"precinctsReportPercentage":99.06,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Buffy Wicks","candidateIncumbent":true,"candidateParty":"D","voteCount":78678,"isWinner":true},{"candidateName":"Margot Smith","candidateIncumbent":false,"candidateParty":"D","voteCount":18251,"isWinner":true},{"candidateName":"Utkarsh Jain","candidateIncumbent":false,"candidateParty":"R","voteCount":10068,"isWinner":false}],"winnerDateTime":"2024-03-15T01:30:34.539Z"},"5976":{"id":"5976","type":"apRace","location":"State of California","raceName":"State House, District 15","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":97144,"precinctsReportPercentage":98.98,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Sonia Ledo","candidateIncumbent":false,"candidateParty":"R","voteCount":30946,"isWinner":true},{"candidateName":"Anamarie Farias","candidateIncumbent":false,"candidateParty":"D","voteCount":29512,"isWinner":true},{"candidateName":"Monica Wilson","candidateIncumbent":false,"candidateParty":"D","voteCount":24775,"isWinner":false},{"candidateName":"Karen Mitchoff","candidateIncumbent":false,"candidateParty":"D","voteCount":11911,"isWinner":false}],"winnerDateTime":"2024-03-14T00:19:38.858Z"},"5977":{"id":"5977","type":"apRace","location":"State of California","raceName":"State House, District 16","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Joseph Rubay","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Rebecca Bauer-Kahan","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5978":{"id":"5978","type":"apRace","location":"State of California","raceName":"State House, District 17","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":111003,"precinctsReportPercentage":98.99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"8:25 AM","source":"AP","candidates":[{"candidateName":"Matt Haney","candidateIncumbent":true,"candidateParty":"D","voteCount":90915,"isWinner":true},{"candidateName":"Manuel Noris-Barrera","candidateIncumbent":false,"candidateParty":"R","voteCount":13843,"isWinner":true},{"candidateName":"Otto Duke","candidateIncumbent":false,"candidateParty":"D","voteCount":6245,"isWinner":false}],"winnerDateTime":"2024-03-12T00:36:19.697Z"},"5979":{"id":"5979","type":"apRace","location":"State of California","raceName":"State House, District 18","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":86008,"precinctsReportPercentage":99.1,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:41 PM","source":"AP","candidates":[{"candidateName":"Mia Bonta","candidateIncumbent":true,"candidateParty":"D","voteCount":73040,"isWinner":true},{"candidateName":"Andre Sandford","candidateIncumbent":false,"candidateParty":"AIP","voteCount":4575,"isWinner":false},{"candidateName":"Mindy Pechenuk","candidateIncumbent":false,"candidateParty":"R","voteCount":4389,"isWinner":false},{"candidateName":"Cheyenne Kenney","candidateIncumbent":false,"candidateParty":"R","voteCount":4004,"isWinner":false}],"winnerDateTime":"2024-03-06T08:03:23.729Z"},"5980":{"id":"5980","type":"apRace","location":"State of California","raceName":"State House, District 19","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":113959,"precinctsReportPercentage":98.8,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Catherine Stefani","candidateIncumbent":false,"candidateParty":"D","voteCount":64960,"isWinner":true},{"candidateName":"David Lee","candidateIncumbent":false,"candidateParty":"D","voteCount":33035,"isWinner":true},{"candidateName":"Nadia Flamenco","candidateIncumbent":false,"candidateParty":"R","voteCount":8335,"isWinner":false},{"candidateName":"Arjun Sodhani","candidateIncumbent":false,"candidateParty":"R","voteCount":7629,"isWinner":false}],"winnerDateTime":"2024-03-11T23:50:23.109Z"},"5981":{"id":"5981","type":"apRace","location":"State of California","raceName":"State House, District 20","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:36 PM","source":"AP","candidates":[{"candidateName":"Liz Ortega","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5982":{"id":"5982","type":"apRace","location":"State of California","raceName":"State House, District 21","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Mark Gilham","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Diane Papan","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5984":{"id":"5984","type":"apRace","location":"State of California","raceName":"State House, District 23","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":116963,"precinctsReportPercentage":98.91,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Marc Berman","candidateIncumbent":true,"candidateParty":"D","voteCount":67106,"isWinner":true},{"candidateName":"Lydia Kou","candidateIncumbent":false,"candidateParty":"D","voteCount":23699,"isWinner":true},{"candidateName":"Gus Mattammal","candidateIncumbent":false,"candidateParty":"R","voteCount":13277,"isWinner":false},{"candidateName":"Allan Marson","candidateIncumbent":false,"candidateParty":"R","voteCount":12881,"isWinner":false}],"winnerDateTime":"2024-03-12T01:13:06.280Z"},"5987":{"id":"5987","type":"apRace","location":"State of California","raceName":"State House, District 26","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":72753,"precinctsReportPercentage":99.19,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Patrick Ahrens","candidateIncumbent":false,"candidateParty":"D","voteCount":25036,"isWinner":true},{"candidateName":"Tara Sreekrishnan","candidateIncumbent":false,"candidateParty":"D","voteCount":19600,"isWinner":true},{"candidateName":"Sophie Song","candidateIncumbent":false,"candidateParty":"R","voteCount":15954,"isWinner":false},{"candidateName":"Omar Din","candidateIncumbent":false,"candidateParty":"D","voteCount":8772,"isWinner":false},{"candidateName":"Bob Goodwyn","candidateIncumbent":false,"candidateParty":"Lib","voteCount":2170,"isWinner":false},{"candidateName":"Ashish Garg","candidateIncumbent":false,"candidateParty":"NPP","voteCount":1221,"isWinner":false}],"winnerDateTime":"2024-03-13T21:06:29.070Z"},"5989":{"id":"5989","type":"apRace","location":"State of California","raceName":"State House, District 28","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Gail Pellerin","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Liz Lawler","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6010":{"id":"6010","type":"apRace","location":"State of California","raceName":"State House, District 49","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:36 PM","source":"AP","candidates":[{"candidateName":"Mike Fong","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Long Liu","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6018":{"id":"6018","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 2","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":229348,"precinctsReportPercentage":99.05,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:38 PM","source":"AP","candidates":[{"candidateName":"Jared Huffman","candidateIncumbent":true,"candidateParty":"D","voteCount":169005,"isWinner":true},{"candidateName":"Chris Coulombe","candidateIncumbent":false,"candidateParty":"R","voteCount":37372,"isWinner":true},{"candidateName":"Tief Gibbs","candidateIncumbent":false,"candidateParty":"R","voteCount":18437,"isWinner":false},{"candidateName":"Jolian Kangas","candidateIncumbent":false,"candidateParty":"NPP","voteCount":3166,"isWinner":false},{"candidateName":"Jason Brisendine","candidateIncumbent":false,"candidateParty":"NPP","voteCount":1368,"isWinner":false}],"winnerDateTime":"2024-03-12T00:46:10.103Z"},"6020":{"id":"6020","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 4","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":187640,"precinctsReportPercentage":96.32,"eevp":96.36,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Mike Thompson","candidateIncumbent":true,"candidateParty":"D","voteCount":118147,"isWinner":true},{"candidateName":"John Munn","candidateIncumbent":false,"candidateParty":"R","voteCount":56232,"isWinner":true},{"candidateName":"Andrew Engdahl","candidateIncumbent":false,"candidateParty":"D","voteCount":11202,"isWinner":false},{"candidateName":"Niket Patwardhan","candidateIncumbent":false,"candidateParty":"NPP","voteCount":2059,"isWinner":false}],"winnerDateTime":"2024-03-07T00:30:57.980Z"},"6025":{"id":"6025","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 9","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":121271,"precinctsReportPercentage":99.17,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Josh Harder","candidateIncumbent":true,"candidateParty":"D","voteCount":60396,"isWinner":true},{"candidateName":"Kevin Lincoln","candidateIncumbent":false,"candidateParty":"R","voteCount":36346,"isWinner":true},{"candidateName":"John McBride","candidateIncumbent":false,"candidateParty":"R","voteCount":15525,"isWinner":false},{"candidateName":"Khalid Jafri","candidateIncumbent":false,"candidateParty":"R","voteCount":9004,"isWinner":false}],"winnerDateTime":"2024-03-12T00:49:44.113Z"},"6031":{"id":"6031","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 15","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Anna Kramer","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Kevin Mullin","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6035":{"id":"6035","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 19","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":203670,"precinctsReportPercentage":99.11,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Jimmy Panetta","candidateIncumbent":true,"candidateParty":"D","voteCount":132540,"isWinner":true},{"candidateName":"Jason Anderson","candidateIncumbent":false,"candidateParty":"R","voteCount":58120,"isWinner":true},{"candidateName":"Sean Dougherty","candidateIncumbent":false,"candidateParty":"Grn","voteCount":13010,"isWinner":false}],"winnerDateTime":"2024-03-07T00:23:46.779Z"},"6066":{"id":"6066","type":"apRace","location":"State of California","raceName":"State House, District 3","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Jamie Gallagher","candidateIncumbent":true,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Aaron Draper","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6067":{"id":"6067","type":"apRace","location":"State of California","raceName":"State House, District 4","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Cecilia Aguiar-Curry","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6087":{"id":"6087","type":"apRace","location":"State of California","raceName":"State House, District 24","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":66643,"precinctsReportPercentage":99.19,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Alex Lee","candidateIncumbent":true,"candidateParty":"D","voteCount":45544,"isWinner":true},{"candidateName":"Bob Brunton","candidateIncumbent":false,"candidateParty":"R","voteCount":14951,"isWinner":true},{"candidateName":"Marti Souza","candidateIncumbent":false,"candidateParty":"R","voteCount":6148,"isWinner":false}],"winnerDateTime":"2024-03-14T23:23:49.770Z"},"6088":{"id":"6088","type":"apRace","location":"State of California","raceName":"State House, District 25","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":69560,"precinctsReportPercentage":99.31,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Ash Kalra","candidateIncumbent":true,"candidateParty":"D","voteCount":35821,"isWinner":true},{"candidateName":"Ted Stroll","candidateIncumbent":false,"candidateParty":"R","voteCount":18255,"isWinner":true},{"candidateName":"Lan Ngo","candidateIncumbent":false,"candidateParty":"D","voteCount":15484,"isWinner":false}],"winnerDateTime":"2024-03-14T02:40:57.200Z"},"6092":{"id":"6092","type":"apRace","location":"State of California","raceName":"State House, District 29","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Robert Rivas","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"J.W. Paine","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6223":{"id":"6223","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 46","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:16 PM","source":"AP","candidates":[{"candidateName":"Lou Correa","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"David Pan","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6530":{"id":"6530","type":"apRace","location":"State of California","raceName":"State Senate, District 3","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":222193,"precinctsReportPercentage":98.99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Thom Bogue","candidateIncumbent":false,"candidateParty":"R","voteCount":61776,"isWinner":true},{"candidateName":"Christopher Cabaldon","candidateIncumbent":false,"candidateParty":"D","voteCount":59041,"isWinner":true},{"candidateName":"Rozzana Verder-Aliga","candidateIncumbent":false,"candidateParty":"D","voteCount":45546,"isWinner":false},{"candidateName":"Jackie Elward","candidateIncumbent":false,"candidateParty":"D","voteCount":41127,"isWinner":false},{"candidateName":"Jimih Jones","candidateIncumbent":false,"candidateParty":"R","voteCount":14703,"isWinner":false}],"winnerDateTime":"2024-03-15T01:24:31.539Z"},"6531":{"id":"6531","type":"apRace","location":"State of California","raceName":"State Senate, District 5","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":171623,"precinctsReportPercentage":99.09,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Jim Shoemaker","candidateIncumbent":false,"candidateParty":"R","voteCount":74935,"isWinner":true},{"candidateName":"Jerry McNerney","candidateIncumbent":false,"candidateParty":"D","voteCount":57040,"isWinner":true},{"candidateName":"Carlos Villapudua","candidateIncumbent":false,"candidateParty":"D","voteCount":39648,"isWinner":false}],"winnerDateTime":"2024-03-13T20:07:46.382Z"},"6532":{"id":"6532","type":"apRace","location":"State of California","raceName":"State Senate, District 7","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":192446,"precinctsReportPercentage":98.72,"eevp":98.78,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Jesse Arreguín","candidateIncumbent":false,"candidateParty":"D","voteCount":61837,"isWinner":true},{"candidateName":"Jovanka Beckles","candidateIncumbent":false,"candidateParty":"D","voteCount":34025,"isWinner":true},{"candidateName":"Dan Kalb","candidateIncumbent":false,"candidateParty":"D","voteCount":28842,"isWinner":false},{"candidateName":"Kathryn Lybarger","candidateIncumbent":false,"candidateParty":"D","voteCount":28041,"isWinner":false},{"candidateName":"Sandre Swanson","candidateIncumbent":false,"candidateParty":"D","voteCount":22862,"isWinner":false},{"candidateName":"Jeanne Solnordal","candidateIncumbent":false,"candidateParty":"R","voteCount":16839,"isWinner":false}],"winnerDateTime":"2024-03-16T00:58:11.533Z"},"6533":{"id":"6533","type":"apRace","location":"State of California","raceName":"State Senate, District 9","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Tim Grayson","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Marisol Rubio","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6534":{"id":"6534","type":"apRace","location":"State of California","raceName":"State Senate, District 11","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":228260,"precinctsReportPercentage":99.09,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Scott Wiener","candidateIncumbent":true,"candidateParty":"D","voteCount":166592,"isWinner":true},{"candidateName":"Yvette Corkrean","candidateIncumbent":false,"candidateParty":"R","voteCount":34438,"isWinner":true},{"candidateName":"Cynthia Cravens","candidateIncumbent":false,"candidateParty":"D","voteCount":18513,"isWinner":false},{"candidateName":"Jing Xiong","candidateIncumbent":false,"candidateParty":"NPP","voteCount":8717,"isWinner":false}],"winnerDateTime":"2024-03-12T02:01:51.597Z"},"6535":{"id":"6535","type":"apRace","location":"State of California","raceName":"State Senate, District 13","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":227191,"precinctsReportPercentage":98.88,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Josh Becker","candidateIncumbent":true,"candidateParty":"D","voteCount":167127,"isWinner":true},{"candidateName":"Alexander Glew","candidateIncumbent":false,"candidateParty":"R","voteCount":42788,"isWinner":true},{"candidateName":"Christina Laskowski","candidateIncumbent":false,"candidateParty":"R","voteCount":17276,"isWinner":false}],"winnerDateTime":"2024-03-12T01:56:24.964Z"},"6536":{"id":"6536","type":"apRace","location":"State of California","raceName":"State Senate, District 15","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":180231,"precinctsReportPercentage":98.81,"eevp":98.95,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Dave Cortese","candidateIncumbent":true,"candidateParty":"D","voteCount":124440,"isWinner":true},{"candidateName":"Robert Howell","candidateIncumbent":false,"candidateParty":"R","voteCount":34173,"isWinner":true},{"candidateName":"Tony Loaiza","candidateIncumbent":false,"candidateParty":"R","voteCount":21618,"isWinner":false}],"winnerDateTime":"2024-03-13T01:15:45.365Z"},"6548":{"id":"6548","type":"apRace","location":"State of California","raceName":"State Senate, District 39","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:55 PM","source":"AP","candidates":[{"candidateName":"Akilah Weber","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Bob Divine","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6611":{"id":"6611","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 11","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":188732,"precinctsReportPercentage":98.89,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"8:25 AM","source":"AP","candidates":[{"candidateName":"Nancy Pelosi","candidateIncumbent":true,"candidateParty":"D","voteCount":138285,"isWinner":true},{"candidateName":"Bruce Lou","candidateIncumbent":false,"candidateParty":"R","voteCount":16285,"isWinner":true},{"candidateName":"Marjorie Mikels","candidateIncumbent":false,"candidateParty":"D","voteCount":9363,"isWinner":false},{"candidateName":"Bianca Von Krieg","candidateIncumbent":false,"candidateParty":"D","voteCount":7634,"isWinner":false},{"candidateName":"Jason Zeng","candidateIncumbent":false,"candidateParty":"R","voteCount":6607,"isWinner":false},{"candidateName":"Jason Boyce","candidateIncumbent":false,"candidateParty":"D","voteCount":4325,"isWinner":false},{"candidateName":"Larry Nichelson","candidateIncumbent":false,"candidateParty":"R","voteCount":3482,"isWinner":false},{"candidateName":"Eve Del Castello","candidateIncumbent":false,"candidateParty":"R","voteCount":2751,"isWinner":false}],"winnerDateTime":"2024-03-12T00:31:55.445Z"},"8589":{"id":"8589","type":"apRace","location":"State of California","raceName":"U.S. Senate, Class I","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":7276537,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Adam Schiff","candidateIncumbent":false,"candidateParty":"D","voteCount":2299507,"isWinner":true},{"candidateName":"Steve Garvey","candidateIncumbent":false,"candidateParty":"R","voteCount":2292414,"isWinner":true},{"candidateName":"Katie Porter","candidateIncumbent":false,"candidateParty":"D","voteCount":1115606,"isWinner":false},{"candidateName":"Barbara Lee","candidateIncumbent":false,"candidateParty":"D","voteCount":714408,"isWinner":false},{"candidateName":"Eric Early","candidateIncumbent":false,"candidateParty":"R","voteCount":240723,"isWinner":false},{"candidateName":"James Bradley","candidateIncumbent":false,"candidateParty":"R","voteCount":98180,"isWinner":false},{"candidateName":"Christina Pascucci","candidateIncumbent":false,"candidateParty":"D","voteCount":61755,"isWinner":false},{"candidateName":"Sharleta Bassett","candidateIncumbent":false,"candidateParty":"R","voteCount":54422,"isWinner":false},{"candidateName":"Sarah Liew","candidateIncumbent":false,"candidateParty":"R","voteCount":38483,"isWinner":false},{"candidateName":"Laura Garza ","candidateIncumbent":false,"candidateParty":"NPP","voteCount":34320,"isWinner":false},{"candidateName":"Jonathan Reiss","candidateIncumbent":false,"candidateParty":"R","voteCount":34283,"isWinner":false},{"candidateName":"Sepi Gilani","candidateIncumbent":false,"candidateParty":"D","voteCount":34056,"isWinner":false},{"candidateName":"Gail Lightfoot","candidateIncumbent":false,"candidateParty":"Lib","voteCount":33046,"isWinner":false},{"candidateName":"Denice Gary-Pandol","candidateIncumbent":false,"candidateParty":"R","voteCount":25494,"isWinner":false},{"candidateName":"James Macauley","candidateIncumbent":false,"candidateParty":"R","voteCount":23168,"isWinner":false},{"candidateName":"Harmesh Kumar","candidateIncumbent":false,"candidateParty":"D","voteCount":21522,"isWinner":false},{"candidateName":"David Peterson","candidateIncumbent":false,"candidateParty":"D","voteCount":21076,"isWinner":false},{"candidateName":"Douglas Pierce","candidateIncumbent":false,"candidateParty":"D","voteCount":19371,"isWinner":false},{"candidateName":"Major Singh","candidateIncumbent":false,"candidateParty":"NPP","voteCount":16965,"isWinner":false},{"candidateName":"John Rose","candidateIncumbent":false,"candidateParty":"D","voteCount":14577,"isWinner":false},{"candidateName":"Perry Pound","candidateIncumbent":false,"candidateParty":"D","voteCount":14134,"isWinner":false},{"candidateName":"Raji Rab","candidateIncumbent":false,"candidateParty":"D","voteCount":13558,"isWinner":false},{"candidateName":"Mark Ruzon","candidateIncumbent":false,"candidateParty":"NPP","voteCount":13429,"isWinner":false},{"candidateName":"Forrest Jones","candidateIncumbent":false,"candidateParty":"AIP","voteCount":13027,"isWinner":false},{"candidateName":"Stefan Simchowitz","candidateIncumbent":false,"candidateParty":"R","voteCount":12717,"isWinner":false},{"candidateName":"Martin Veprauskas","candidateIncumbent":false,"candidateParty":"R","voteCount":9714,"isWinner":false},{"candidateName":"Don Grundmann","candidateIncumbent":false,"candidateParty":"NPP","voteCount":6582,"isWinner":false}],"winnerDateTime":"2024-03-06T05:01:46.589Z"},"8686":{"id":"8686","type":"apRace","location":"State of California","raceName":"President,","raceDescription":"Top candidate wins seat.","raceType":"top1","totalVotes":3589127,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:48 AM","source":"AP","candidates":[{"candidateName":"Joe Biden","candidateIncumbent":true,"candidateParty":"D","voteCount":3200188,"isWinner":true},{"candidateName":"Marianne Williamson","candidateIncumbent":false,"candidateParty":"D","voteCount":145690,"isWinner":false},{"candidateName":"Dean Phillips","candidateIncumbent":false,"candidateParty":"D","voteCount":99981,"isWinner":false},{"candidateName":"Armando Perez-Serrato","candidateIncumbent":false,"candidateParty":"D","voteCount":42925,"isWinner":false},{"candidateName":"Gabriel Cornejo","candidateIncumbent":false,"candidateParty":"D","voteCount":41261,"isWinner":false},{"candidateName":"President Boddie","candidateIncumbent":false,"candidateParty":"D","voteCount":25373,"isWinner":false},{"candidateName":"Stephen Lyons","candidateIncumbent":false,"candidateParty":"D","voteCount":21008,"isWinner":false},{"candidateName":"Eban Cambridge","candidateIncumbent":false,"candidateParty":"D","voteCount":12701,"isWinner":false}],"winnerDateTime":"2024-03-06T04:12:27.559Z"},"8688":{"id":"8688","type":"apRace","location":"State of California","raceName":"President,","raceDescription":"Top candidate wins seat.","raceType":"top1","totalVotes":2466569,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Donald Trump","candidateIncumbent":false,"candidateParty":"R","voteCount":1953947,"isWinner":true},{"candidateName":"Nikki Haley","candidateIncumbent":false,"candidateParty":"R","voteCount":430792,"isWinner":false},{"candidateName":"Ron DeSantis","candidateIncumbent":false,"candidateParty":"R","voteCount":35581,"isWinner":false},{"candidateName":"Chris Christie","candidateIncumbent":false,"candidateParty":"R","voteCount":20164,"isWinner":false},{"candidateName":"Vivek Ramaswamy","candidateIncumbent":false,"candidateParty":"R","voteCount":11069,"isWinner":false},{"candidateName":"Rachel Swift","candidateIncumbent":false,"candidateParty":"R","voteCount":4231,"isWinner":false},{"candidateName":"David Stuckenberg","candidateIncumbent":false,"candidateParty":"R","voteCount":3895,"isWinner":false},{"candidateName":"Ryan Binkley","candidateIncumbent":false,"candidateParty":"R","voteCount":3563,"isWinner":false},{"candidateName":"Asa Hutchinson","candidateIncumbent":false,"candidateParty":"R","voteCount":3327,"isWinner":false}],"winnerDateTime":"2024-03-06T04:13:19.766Z"},"81993":{"id":"81993","type":"apRace","location":"State of California","raceName":"U.S. Senate, Class I Unexpired Term","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":7358837,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Steve Garvey","candidateIncumbent":false,"candidateParty":"R","voteCount":2444940,"isWinner":true},{"candidateName":"Adam Schiff","candidateIncumbent":false,"candidateParty":"D","voteCount":2155146,"isWinner":true},{"candidateName":"Katie Porter","candidateIncumbent":false,"candidateParty":"D","voteCount":1269194,"isWinner":false},{"candidateName":"Barbara Lee","candidateIncumbent":false,"candidateParty":"D","voteCount":863278,"isWinner":false},{"candidateName":"Eric Early","candidateIncumbent":false,"candidateParty":"R","voteCount":448788,"isWinner":false},{"candidateName":"Christina Pascucci","candidateIncumbent":false,"candidateParty":"D","voteCount":109421,"isWinner":false},{"candidateName":"Sepi Gilani","candidateIncumbent":false,"candidateParty":"D","voteCount":68070,"isWinner":false}],"winnerDateTime":"2024-03-06T04:31:08.186Z"},"82014":{"id":"82014","type":"apRace","location":"State of California","raceName":"Proposition, 1 - Behavioral Health Services Program","raceDescription":"Top candidate wins seat.","raceType":"top1","totalVotes":7221972,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":null,"voteCount":3624998,"isWinner":true},{"candidateName":"No","candidateIncumbent":false,"candidateParty":null,"voteCount":3596974,"isWinner":false}],"winnerDateTime":"2024-03-21T00:11:06.265Z"},"timeLoaded":"April 17, 2024 10:05 PM","nationalRacesLoaded":true,"localRacesLoaded":true,"overrides":[{"id":"5921","raceName":"U.S. House of Representatives, District 7","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5922","raceName":"U.S. House of Representatives, District 8","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5924","raceName":"U.S. House of Representatives, District 10","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5926","raceName":"U.S. House of Representatives, District 12","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/congress-12th-district"},{"id":"5928","raceName":"U.S. House of Representatives, District 14","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5930","raceName":"U.S. House of Representatives, District 16","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/congress-16th-district"},{"id":"5931","raceName":"U.S. House of Representatives, District 17","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5932","raceName":"U.S. House of Representatives, District 18","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5963","raceName":"State Assembly, District 2","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5972","raceName":"State Assembly, District 11","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5973","raceName":"State Assembly, District 12","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5975","raceName":"State Assembly, District 14","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5976","raceName":"State Assembly, District 15","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/contracosta/state-assembly"},{"id":"5977","raceName":"State Assembly, District 16","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5978","raceName":"State Assembly, District 17","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5979","raceName":"State Assembly, District 18","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5980","raceName":"State Assembly, District 19","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5981","raceName":"State Assembly, District 20","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5982","raceName":"State Assembly, District 21","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5984","raceName":"State Assembly, District 23","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/state-assembly-23rd-district"},{"id":"5987","raceName":"State Assembly, District 26","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/santaclara/state-assembly-26th-district"},{"id":"5989","raceName":"State Assembly, District 28","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6010","raceName":"State Assembly, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6018","raceName":"U.S. House of Representatives, District 2","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6020","raceName":"U.S. House of Representatives, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6025","raceName":"U.S. House of Representatives, District 9","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6031","raceName":"U.S. House of Representatives, District 15","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6035","raceName":"U.S. House of Representatives, District 19","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6067","raceName":"State Assembly, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6087","raceName":"State Assembly, District 24","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6088","raceName":"State Assembly, District 25","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6092","raceName":"State Assembly, District 29","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6223","raceName":"U.S. House of Representatives, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6530","raceName":"State Senate, District 3","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/state-senate-3rd-district"},{"id":"6531","raceName":"State Senate, District 5","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6532","raceName":"State Senate, District 7","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/state-senate-7th-district"},{"id":"6533","raceName":"State Senate, District 9","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6534","raceName":"State Senate, District 11","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6535","raceName":"State Senate, District 13","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6536","raceName":"State Senate, District 15","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6611","raceName":"U.S. House of Representatives, District 11","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"8589","raceName":"U.S. Senate (Full Term)","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/senator"},{"id":"8686","raceName":"California Democratic Presidential Primary","raceDescription":"Candidates are competing for 496 delegates.","raceReadTheStory":"https://www.kqed.org/elections/results/president/democrat"},{"id":"8688","raceName":"California Republican Presidential Primary","raceDescription":"Candidates are competing for 169 delegates.","raceReadTheStory":"https://kqed.org/elections/results/president/republican"},{"id":"81993","raceName":"U.S. Senate (Partial/Unexpired Term)","raceDescription":"Top two candidates advance to general election."},{"id":"82014","raceName":"Proposition 1","raceDescription":"Bond and mental health reforms. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/california/proposition-1"}],"AlamedaJudge5":{"id":"AlamedaJudge5","type":"localRace","location":"Alameda","raceName":"Superior Court Judge, Office 5","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":200601,"candidates":[{"candidateName":"Terry Wiley","candidateIncumbent":true,"candidateParty":"","voteCount":200601}]},"AlamedaJudge12":{"id":"AlamedaJudge12","type":"localRace","location":"Alameda","raceName":"Superior Court Judge, Office 12","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":240853,"candidates":[{"candidateName":"Mark Fickes","candidateIncumbent":false,"candidateParty":"","voteCount":133009},{"candidateName":"Michael P. Johnson","candidateIncumbent":false,"candidateParty":"","voteCount":107844}]},"AlamedaBoard2":{"id":"AlamedaBoard2","type":"localRace","location":"Alameda","raceName":"Board of Education, Trustee Area 2","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":33580,"candidates":[{"candidateName":"John Lewis","candidateIncumbent":false,"candidateParty":"","voteCount":6943},{"candidateName":"Angela Normand","candidateIncumbent":true,"candidateParty":"","voteCount":26637}]},"AlamedaBoard5":{"id":"AlamedaBoard5","type":"localRace","location":"Alameda","raceName":"Board of Education, Trustee Area 5","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":26072,"candidates":[{"candidateName":"Guadalupe \"Lupe\" Angulo","candidateIncumbent":false,"candidateParty":"","voteCount":7521},{"candidateName":"Janevette Cole","candidateIncumbent":true,"candidateParty":"","voteCount":13338},{"candidateName":"Joe Orlando Ramos","candidateIncumbent":false,"candidateParty":"","voteCount":5213}]},"AlamedaBoard6":{"id":"AlamedaBoard6","type":"localRace","location":"Alameda","raceName":"Board of Education, Trustee Area 6","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":30864,"candidates":[{"candidateName":"John Guerrero","candidateIncumbent":false,"candidateParty":"","voteCount":9989},{"candidateName":"Eileen McDonald","candidateIncumbent":true,"candidateParty":"","voteCount":20875}]},"AlamedaSup1":{"id":"AlamedaSup1","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":41038,"candidates":[{"candidateName":"David Haubert","candidateIncumbent":true,"candidateParty":"","voteCount":41038}]},"AlamedaSup2":{"id":"AlamedaSup2","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":31034,"candidates":[{"candidateName":"Elisa Márquez","candidateIncumbent":true,"candidateParty":"","voteCount":31034}]},"AlamedaSup4":{"id":"AlamedaSup4","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/supervisor-4th-district","raceType":"top2","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":57007,"candidates":[{"candidateName":"Jennifer Esteen","candidateIncumbent":false,"candidateParty":"","voteCount":22400},{"candidateName":"Nate Miley","candidateIncumbent":true,"candidateParty":"","voteCount":34607}]},"AlamedaSup5":{"id":"AlamedaSup5","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/supervisor-5th-district","raceType":"top2","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":81059,"candidates":[{"candidateName":"Ben Bartlett","candidateIncumbent":false,"candidateParty":"","voteCount":13518},{"candidateName":"Nikki Fortunato Bas","candidateIncumbent":false,"candidateParty":"","voteCount":27597},{"candidateName":"John J. Bauters","candidateIncumbent":false,"candidateParty":"","voteCount":16783},{"candidateName":"Ken Berrick","candidateIncumbent":false,"candidateParty":"","voteCount":7520},{"candidateName":"Omar Farmer","candidateIncumbent":false,"candidateParty":"","voteCount":1240},{"candidateName":"Gregory Hodge","candidateIncumbent":false,"candidateParty":"","voteCount":3419},{"candidateName":"Chris Moore","candidateIncumbent":false,"candidateParty":"","voteCount":7428},{"candidateName":"Gerald Pechenuk","candidateIncumbent":false,"candidateParty":"","voteCount":305},{"candidateName":"Lorrel Plimier","candidateIncumbent":false,"candidateParty":"","voteCount":3249}]},"AlamedaBoard7":{"id":"AlamedaBoard7","type":"localRace","location":"Alameda","raceName":"Flood Control & Water Conservation District Director, Zone 7, Full Term","raceDescription":"Top three candidates win seat.","raceReadTheStory":"","raceType":"top3","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":134340,"candidates":[{"candidateName":"Alan Burnham","candidateIncumbent":false,"candidateParty":"","voteCount":15723},{"candidateName":"Sandy Figuers","candidateIncumbent":false,"candidateParty":"","voteCount":22454},{"candidateName":"Laurene K. Green","candidateIncumbent":false,"candidateParty":"","voteCount":30343},{"candidateName":"Kathy Narum","candidateIncumbent":true,"candidateParty":"","voteCount":23833},{"candidateName":"Seema Badar","candidateIncumbent":false,"candidateParty":"","voteCount":7468},{"candidateName":"Catherine Brown","candidateIncumbent":false,"candidateParty":"","voteCount":34519}]},"AlamedaAuditor":{"id":"AlamedaAuditor","type":"localRace","location":"Alameda","raceName":"Oakland Auditor","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":59227,"candidates":[{"candidateName":"Michael Houston","candidateIncumbent":true,"candidateParty":"","voteCount":59227}]},"AlamedaMeasureA":{"id":"AlamedaMeasureA","type":"localRace","location":"Alameda","raceName":"Measure A","raceDescription":"Alameda County. Civil service. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":282335,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":167903},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":114432}]},"AlamedaMeasureB":{"id":"AlamedaMeasureB","type":"localRace","location":"Alameda","raceName":"Measure B","raceDescription":"Alameda County. Recall rules. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/measure-b","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":282683,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":182200},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":100483}]},"AlamedaMeasureD":{"id":"AlamedaMeasureD","type":"localRace","location":"Alameda","raceName":"Measure D","raceDescription":"Oakland. Appropriations limit. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":79797,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":59852},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":19945}]},"AlamedaMeasureE":{"id":"AlamedaMeasureE","type":"localRace","location":"Alameda","raceName":"Measure E","raceDescription":"Alameda Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":22692,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":17280},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":5412}]},"AlamedaMeasureF":{"id":"AlamedaMeasureF","type":"localRace","location":"Alameda","raceName":"Measure F","raceDescription":"Piedmont. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":4855,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":3673},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":1182}]},"AlamedaMeasureG":{"id":"AlamedaMeasureG","type":"localRace","location":"Alameda","raceName":"Measure G","raceDescription":"Albany Unified School District. Parcel tax. Passes with 2/3 vote. ","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":5898,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":4651},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":1247}]},"AlamedaMeasureH":{"id":"AlamedaMeasureH","type":"localRace","location":"Alameda","raceName":"Measure H","raceDescription":"Berkeley Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":33331,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":29418},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3913}]},"AlamedaMeasureI":{"id":"AlamedaMeasureI","type":"localRace","location":"Alameda","raceName":"Measure I","raceDescription":"Hayward Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":21929,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":14151},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":7778}]},"AlamedaMeasureJ":{"id":"AlamedaMeasureJ","type":"localRace","location":"Alameda","raceName":"Measure J","raceDescription":"San Leandro Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":12338,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7784},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":4554}]},"CCD2":{"id":"CCD2","type":"localRace","location":"Contra Costa","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":45776,"candidates":[{"candidateName":"Candace Andersen","candidateIncumbent":true,"candidateParty":"","voteCount":45776}]},"CCD3":{"id":"CCD3","type":"localRace","location":"Contra Costa","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":25120,"candidates":[{"candidateName":"Diane Burgis","candidateIncumbent":true,"candidateParty":"","voteCount":25120}]},"CCD5":{"id":"CCD5","type":"localRace","location":"Contra Costa","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/contracosta/supervisor-5th-district","raceType":"top2","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":37045,"candidates":[{"candidateName":"Mike Barbanica","candidateIncumbent":false,"candidateParty":"","voteCount":14338},{"candidateName":"Jelani Killings","candidateIncumbent":false,"candidateParty":"","voteCount":5683},{"candidateName":"Shanelle Scales-Preston","candidateIncumbent":false,"candidateParty":"","voteCount":12993},{"candidateName":"Iztaccuauhtli Hector Gonzalez","candidateIncumbent":false,"candidateParty":"","voteCount":4031}]},"CCMeasureA":{"id":"CCMeasureA","type":"localRace","location":"Contra Costa","raceName":"Measure A","raceDescription":"Martinez. Appoint City Clerk. Passes with a majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":11513,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7554},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3959}]},"CCMeasureB":{"id":"CCMeasureB","type":"localRace","location":"Contra Costa","raceName":"Measure B","raceDescription":"Antioch Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":17971,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":10397},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":7574}]},"CCMeasureC":{"id":"CCMeasureC","type":"localRace","location":"Contra Costa","raceName":"Measure C","raceDescription":"Martinez Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":9230,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6917},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2313}]},"CCMeasureD":{"id":"CCMeasureD","type":"localRace","location":"Contra Costa","raceName":"Measure D","raceDescription":"Moraga School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":6007,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":4052},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":1955}]},"MarinD2":{"id":"MarinD2","type":"localRace","location":"Marin","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/marin/supervisor-2nd-district","raceType":"top2","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":18466,"candidates":[{"candidateName":"Brian Colbert","candidateIncumbent":false,"candidateParty":"","voteCount":7971},{"candidateName":"Heather McPhail Sridharan","candidateIncumbent":false,"candidateParty":"","voteCount":4851},{"candidateName":"Ryan O'Neil","candidateIncumbent":false,"candidateParty":"","voteCount":2647},{"candidateName":"Gabe Paulson","candidateIncumbent":false,"candidateParty":"","voteCount":2997}]},"MarinD3":{"id":"MarinD3","type":"localRace","location":"Marin","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":13274,"candidates":[{"candidateName":"Stephanie Moulton-Peters","candidateIncumbent":true,"candidateParty":"","voteCount":13274}]},"MarinD4":{"id":"MarinD4","type":"localRace","location":"Marin","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":12986,"candidates":[{"candidateName":"Dennis Rodoni","candidateIncumbent":true,"candidateParty":"","voteCount":10086},{"candidateName":"Francis Drouillard","candidateIncumbent":false,"candidateParty":"","voteCount":2900}]},"MarinLarkspurCC":{"id":"MarinLarkspurCC","type":"localRace","location":"Marin","raceName":"Larkspur City Council (Short Term)","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":4176,"candidates":[{"candidateName":"Stephanie Andre","candidateIncumbent":false,"candidateParty":"","voteCount":2514},{"candidateName":"Claire Paquette","candidateIncumbent":false,"candidateParty":"","voteCount":1008},{"candidateName":"Lana Scott","candidateIncumbent":false,"candidateParty":"","voteCount":654}]},"MarinRossCouncil":{"id":"MarinRossCouncil","type":"localRace","location":"Marin","raceName":"Ross Town Council","raceDescription":"Top three candidates win seat.","raceReadTheStory":"","raceType":"top3","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":1740,"candidates":[{"candidateName":"Charles William \"Bill\" Kircher, Jr.","candidateIncumbent":false,"candidateParty":"","voteCount":536},{"candidateName":"Mathew Salter","candidateIncumbent":false,"candidateParty":"","voteCount":502},{"candidateName":"Shadi Aboukhater","candidateIncumbent":false,"candidateParty":"","voteCount":187},{"candidateName":"Teri Dowling","candidateIncumbent":false,"candidateParty":"","voteCount":515}]},"MarinMeasureA":{"id":"MarinMeasureA","type":"localRace","location":"Marin","raceName":"Measure A","raceDescription":"Tamalpais Union High School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":45345,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":24376},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":20969}]},"MarinMeasureB":{"id":"MarinMeasureB","type":"localRace","location":"Marin","raceName":"Measure B","raceDescription":"Petaluma Joint Union High School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":132,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":62},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":70}]},"MarinMeasureC":{"id":"MarinMeasureC","type":"localRace","location":"Marin","raceName":"Measure C","raceDescription":"Belvedere. Appropriation limit. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":870,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":679},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":191}]},"MarinMeasureD":{"id":"MarinMeasureD","type":"localRace","location":"Marin","raceName":"Measure D","raceDescription":"Larkspur. Rent stabilization. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/marin/measure-d","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":4955,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":2573},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2382}]},"MarinMeasureE":{"id":"MarinMeasureE","type":"localRace","location":"Marin","raceName":"Measure E","raceDescription":"Ross. Special tax. Passes with 2/3 vote.","raceReadTheStory":"https://www.kqed.org/elections/results/marin/measure-e","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":874,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":683},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":191}]},"MarinMeasureF":{"id":"MarinMeasureF","type":"localRace","location":"Marin","raceName":"Measure F","raceDescription":"San Anselmo. Flood Control and Water Conservation District. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":5193,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":3083},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2110}]},"MarinMeasureG":{"id":"MarinMeasureG","type":"localRace","location":"Marin","raceName":"Measure G","raceDescription":"Bel Marin Keys Community Services District. Special tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":830,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":661},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":169}]},"MarinMeasureH":{"id":"MarinMeasureH","type":"localRace","location":"Marin","raceName":"Measure H","raceDescription":"Marinwood Community Services District. Appropriations limit, fire protection. Passes with a majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":1738,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1369},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":369}]},"MarinMeasureI":{"id":"MarinMeasureI","type":"localRace","location":"Marin","raceName":"Measure I","raceDescription":"Marinwood Community Services District. Appropriations limit, parks. Passes with a majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":1735,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1336},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":399}]},"NapaD2":{"id":"NapaD2","type":"localRace","location":"Napa","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":8351,"candidates":[{"candidateName":"Liz Alessio","candidateIncumbent":false,"candidateParty":"","voteCount":6340},{"candidateName":"Doris Gentry","candidateIncumbent":false,"candidateParty":"","voteCount":2011}]},"NapaD4":{"id":"NapaD4","type":"localRace","location":"Napa","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/napa/supervisor-4th-district","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":7306,"candidates":[{"candidateName":"Amber Manfree","candidateIncumbent":false,"candidateParty":"","voteCount":3913},{"candidateName":"Pete Mott","candidateIncumbent":false,"candidateParty":"","voteCount":3393}]},"NapaD5":{"id":"NapaD5","type":"localRace","location":"Napa","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/napa/supervisor-5th-district","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":5356,"candidates":[{"candidateName":"Mariam Aboudamous","candidateIncumbent":false,"candidateParty":"","voteCount":2379},{"candidateName":"Belia Ramos","candidateIncumbent":true,"candidateParty":"","voteCount":2977}]},"NapaMeasureD":{"id":"NapaMeasureD","type":"localRace","location":"Napa","raceName":"Measure D","raceDescription":"Howell Mountain Elementary School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":741,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":367},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":374}]},"NapaMeasureU":{"id":"NapaMeasureU","type":"localRace","location":"Napa","raceName":"Measure U","raceDescription":"Lake Berryessa Resort Improvement District. Appropriations limit. Passes with majority vote. ","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":86,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":63},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":23}]},"NapaMeasureU1":{"id":"NapaMeasureU1","type":"localRace","location":"Napa","raceName":"Measure U","raceDescription":"Yountville. Appropriations limit. Passes with majority vote. ","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":925,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":793},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":132}]},"SFJudge1":{"id":"SFJudge1","type":"localRace","location":"San Francisco","raceName":"Superior Court Judge, Seat 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/superior-court-seat-1","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":202960,"candidates":[{"candidateName":"Michael Begert","candidateIncumbent":true,"candidateParty":"","voteCount":124943},{"candidateName":"Chip Zecher","candidateIncumbent":false,"candidateParty":"","voteCount":78017}]},"SFJudge13":{"id":"SFJudge13","type":"localRace","location":"San Francisco","raceName":"Superior Court Judge, Seat 13","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/superior-court-seat-13","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":202386,"candidates":[{"candidateName":"Jean Myungjin Roland","candidateIncumbent":false,"candidateParty":"","voteCount":90012},{"candidateName":"Patrick S. Thompson","candidateIncumbent":true,"candidateParty":"","voteCount":112374}]},"SFPropA":{"id":"SFPropA","type":"localRace","location":"San Francisco","raceName":"Proposition A","raceDescription":"Housing bond. Passes with 2/3 vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/proposition-a","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":225187,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":158497},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":66690}]},"SFPropB":{"id":"SFPropB","type":"localRace","location":"San Francisco","raceName":"Proposition B","raceDescription":"Police staffing. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222954,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":61580},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":161374}]},"SFPropC":{"id":"SFPropC","type":"localRace","location":"San Francisco","raceName":"Proposition C","raceDescription":"Transfer tax exemption. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":220349,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":116311},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":104038}]},"SFPropD":{"id":"SFPropD","type":"localRace","location":"San Francisco","raceName":"Proposition D","raceDescription":"Ethics laws. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222615,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":198584},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":24031}]},"SFPropE":{"id":"SFPropE","type":"localRace","location":"San Francisco","raceName":"Proposition E","raceDescription":"Police policies. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/proposition-e","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222817,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":120529},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":102288}]},"SFPropF":{"id":"SFPropF","type":"localRace","location":"San Francisco","raceName":"Proposition F","raceDescription":"Drug screening. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/proposition-f","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":224004,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":130214},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":93790}]},"SFPropG":{"id":"SFPropG","type":"localRace","location":"San Francisco","raceName":"Proposition G","raceDescription":"Eighth-grade algebra. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222704,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":182066},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":40638}]},"SMJudge4":{"id":"SMJudge4","type":"localRace","location":"San Mateo","raceName":"Superior Court Judge, Office 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":108919,"candidates":[{"candidateName":"Sarah Burdick","candidateIncumbent":false,"candidateParty":"","voteCount":108919}]},"SMD1":{"id":"SMD1","type":"localRace","location":"San Mateo","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanmateo/supervisor-1st-district","raceType":"top1","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":29650,"candidates":[{"candidateName":"Jackie Speier","candidateIncumbent":false,"candidateParty":"","voteCount":20353},{"candidateName":"Ann Schneider","candidateIncumbent":false,"candidateParty":"","voteCount":9297}]},"SMD4":{"id":"SMD4","type":"localRace","location":"San Mateo","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanmateo/supervisor-4th-district","raceType":"top2","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":22725,"candidates":[{"candidateName":"Antonio Lopez","candidateIncumbent":false,"candidateParty":"","voteCount":5730},{"candidateName":"Lisa Gauthier","candidateIncumbent":false,"candidateParty":"","voteCount":10358},{"candidateName":"Celeste Brevard","candidateIncumbent":false,"candidateParty":"","voteCount":1268},{"candidateName":"Paul Bocanegra","candidateIncumbent":false,"candidateParty":"","voteCount":1909},{"candidateName":"Maggie Cornejo","candidateIncumbent":false,"candidateParty":"","voteCount":3460}]},"SMD5":{"id":"SMD5","type":"localRace","location":"San Mateo","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":19937,"candidates":[{"candidateName":"David Canepa","candidateIncumbent":true,"candidateParty":"","voteCount":19937}]},"SMMeasureB":{"id":"SMMeasureB","type":"localRace","location":"San Mateo","raceName":"Measure B","raceDescription":"County Service Area #1 (Highlands). Special tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":1549,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1360},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":189}]},"SMMeasureC":{"id":"SMMeasureC","type":"localRace","location":"San Mateo","raceName":"Measure C","raceDescription":"Jefferson Elementary School District. Parcel tax. Passes with 2/3 vote","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":12234,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":8543},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3691}]},"SMMeasureE":{"id":"SMMeasureE","type":"localRace","location":"San Mateo","raceName":"Measure E","raceDescription":"Woodside Elementary School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":1392,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":910},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":482}]},"SMMeasureG":{"id":"SMMeasureG","type":"localRace","location":"San Mateo","raceName":"Measure G","raceDescription":"Pacifica School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":11548,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7067},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":4481}]},"SMMeasureH":{"id":"SMMeasureH","type":"localRace","location":"San Mateo","raceName":"Measure H","raceDescription":"San Carlos School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":9938,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6283},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3655}]},"SCJudge5":{"id":"SCJudge5","type":"localRace","location":"Santa Clara","raceName":"Superior Court Judge, Office 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":301953,"candidates":[{"candidateName":"Jay Boyarsky","candidateIncumbent":false,"candidateParty":"","voteCount":142549},{"candidateName":"Nicole M. Ford","candidateIncumbent":false,"candidateParty":"","voteCount":52147},{"candidateName":"Johnene Linda Stebbins","candidateIncumbent":false,"candidateParty":"","voteCount":107257}]},"SCD2":{"id":"SCD2","type":"localRace","location":"Santa Clara","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/santaclara/supervisor-2nd-district","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":44059,"candidates":[{"candidateName":"Corina Herrera-Loera","candidateIncumbent":false,"candidateParty":"","voteCount":10519},{"candidateName":"Jennifer Margaret Celaya","candidateIncumbent":false,"candidateParty":"","voteCount":2394},{"candidateName":"Madison Nguyen","candidateIncumbent":false,"candidateParty":"","voteCount":12794},{"candidateName":"Betty Duong","candidateIncumbent":false,"candidateParty":"","voteCount":14031},{"candidateName":"Nelson McElmurry","candidateIncumbent":false,"candidateParty":"","voteCount":4321}]},"SCD3":{"id":"SCD3","type":"localRace","location":"Santa Clara","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":42549,"candidates":[{"candidateName":"Otto Lee","candidateIncumbent":true,"candidateParty":"","voteCount":42549}]},"SCD5":{"id":"SCD5","type":"localRace","location":"Santa Clara","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/santaclara/supervisor-5th-district","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":88712,"candidates":[{"candidateName":"Margaret Abe-Koga","candidateIncumbent":false,"candidateParty":"","voteCount":37172},{"candidateName":"Sally J. Lieber","candidateIncumbent":false,"candidateParty":"","voteCount":21962},{"candidateName":"Barry Chang","candidateIncumbent":false,"candidateParty":"","voteCount":6164},{"candidateName":"Peter C. Fung","candidateIncumbent":false,"candidateParty":"","voteCount":17892},{"candidateName":"Sandy Sans","candidateIncumbent":false,"candidateParty":"","voteCount":5522}]},"SCSJMayor":{"id":"SCSJMayor","type":"localRace","location":"Santa Clara","raceName":"San José Mayor","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":167064,"candidates":[{"candidateName":"Matt Mahan","candidateIncumbent":true,"candidateParty":"","voteCount":144701},{"candidateName":"Tyrone Wade","candidateIncumbent":false,"candidateParty":"","voteCount":22363}]},"SCSJD2":{"id":"SCSJD2","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":14131,"candidates":[{"candidateName":"Joe Lopez","candidateIncumbent":false,"candidateParty":"","voteCount":4950},{"candidateName":"Pamela Campos","candidateIncumbent":false,"candidateParty":"","voteCount":3436},{"candidateName":"Vanessa Sandoval","candidateIncumbent":false,"candidateParty":"","voteCount":2719},{"candidateName":"Babu Prasad","candidateIncumbent":false,"candidateParty":"","voteCount":3026}]},"SCSJD4":{"id":"SCSJD4","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":14322,"candidates":[{"candidateName":"Kansen Chu","candidateIncumbent":false,"candidateParty":"","voteCount":5931},{"candidateName":"David Cohen","candidateIncumbent":true,"candidateParty":"","voteCount":8391}]},"SCSJD6":{"id":"SCSJD6","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 6","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":25108,"candidates":[{"candidateName":"David Cohen","candidateIncumbent":false,"candidateParty":"","voteCount":9875},{"candidateName":"Alex Shoor","candidateIncumbent":false,"candidateParty":"","voteCount":3850},{"candidateName":"Angelo \"A.J.\" Pasciuti","candidateIncumbent":false,"candidateParty":"","voteCount":2688},{"candidateName":"Michael Mulcahy","candidateIncumbent":false,"candidateParty":"","voteCount":8695}]},"SCSJD8":{"id":"SCSJD8","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 8","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":21462,"candidates":[{"candidateName":"Tam Truong","candidateIncumbent":false,"candidateParty":"","voteCount":6982},{"candidateName":"Domingo Candelas","candidateIncumbent":true,"candidateParty":"","voteCount":8466},{"candidateName":"Sukhdev Singh Bainiwal","candidateIncumbent":false,"candidateParty":"","voteCount":5513},{"candidateName":"Surinder Kaur Dhaliwal","candidateIncumbent":false,"candidateParty":"","voteCount":501}]},"SCSJD10":{"id":"SCSJD10","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 10","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":22799,"candidates":[{"candidateName":"George Casey","candidateIncumbent":false,"candidateParty":"","voteCount":8805},{"candidateName":"Arjun Batra","candidateIncumbent":true,"candidateParty":"","voteCount":8354},{"candidateName":"Lenka Wright","candidateIncumbent":false,"candidateParty":"","voteCount":5640}]},"SCMeasureA":{"id":"SCMeasureA","type":"localRace","location":"Santa Clara","raceName":"Measure A","raceDescription":"Santa Clara. Appointed city clerk. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":20315,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6580},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":13735}]},"SCMeasureB":{"id":"SCMeasureB","type":"localRace","location":"Santa Clara","raceName":"Measure B","raceDescription":"Santa Clara. Appointed police chief. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":20567,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":5680},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":14887}]},"SCMeasureC":{"id":"SCMeasureC","type":"localRace","location":"Santa Clara","raceName":"Measure C","raceDescription":"Sunnyvale School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":14656,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":10261},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":4395}]},"SolanoD15":{"id":"SolanoD15","type":"localRace","location":"Solano","raceName":"Superior Court Judge, Department 15","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":81709,"candidates":[{"candidateName":"Mike Thompson","candidateIncumbent":false,"candidateParty":"","voteCount":36844},{"candidateName":"Bryan J. Kim","candidateIncumbent":false,"candidateParty":"","voteCount":44865}]},"SolanoD1":{"id":"SolanoD1","type":"localRace","location":"Solano","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/solano/supervisor-1st-district","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":13786,"candidates":[{"candidateName":"Michael Wilson","candidateIncumbent":false,"candidateParty":"","voteCount":6401},{"candidateName":"Cassandra James","candidateIncumbent":false,"candidateParty":"","voteCount":7385}]},"SolanoD2":{"id":"SolanoD2","type":"localRace","location":"Solano","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":19903,"candidates":[{"candidateName":"Monica Brown","candidateIncumbent":true,"candidateParty":"","voteCount":10951},{"candidateName":"Nora Dizon","candidateIncumbent":false,"candidateParty":"","voteCount":3135},{"candidateName":"Rochelle Sherlock","candidateIncumbent":false,"candidateParty":"","voteCount":5817}]},"SolanoD5":{"id":"SolanoD5","type":"localRace","location":"Solano","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":17888,"candidates":[{"candidateName":"Mitch Mashburn","candidateIncumbent":true,"candidateParty":"","voteCount":11210},{"candidateName":"Chadwick J. Ledoux","candidateIncumbent":false,"candidateParty":"","voteCount":6678}]},"SolanoEducation":{"id":"SolanoEducation","type":"localRace","location":"Solano","raceName":"Sacramento County Board of Education","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":3650,"candidates":[{"candidateName":"Heather Davis","candidateIncumbent":true,"candidateParty":"","voteCount":2960},{"candidateName":"Shazleen Khan","candidateIncumbent":false,"candidateParty":"","voteCount":690}]},"SolanoMeasureA":{"id":"SolanoMeasureA","type":"localRace","location":"Solano","raceName":"Measure A","raceDescription":"Benicia. Hotel tax. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/solano/measure-a","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":10136,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7869},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2267}]},"SolanoMeasureB":{"id":"SolanoMeasureB","type":"localRace","location":"Solano","raceName":"Measure B","raceDescription":"Benicia. Sales tax. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/solano/measure-b","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":10164,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7335},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2829}]},"SolanoMeasureC":{"id":"SolanoMeasureC","type":"localRace","location":"Solano","raceName":"Measure C","raceDescription":"Benicia Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":10112,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6316},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3796}]},"SolanoMeasureN":{"id":"SolanoMeasureN","type":"localRace","location":"Solano","raceName":"Measure N","raceDescription":"Davis Joint Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":15,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":5},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":10}]},"SonomaJudge3":{"id":"SonomaJudge3","type":"localRace","location":"Sonoma","raceName":"Superior Court Judge, Office 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":115405,"candidates":[{"candidateName":"Kristine M. Burk","candidateIncumbent":false,"candidateParty":"","voteCount":79498},{"candidateName":"Beki Berrey","candidateIncumbent":false,"candidateParty":"","voteCount":35907}]},"SonomaJudge4":{"id":"SonomaJudge4","type":"localRace","location":"Sonoma","raceName":"Superior Court Judge, Office 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":86789,"candidates":[{"candidateName":"Paul J. Lozada","candidateIncumbent":false,"candidateParty":"","voteCount":86789}]},"SonomaJudge6":{"id":"SonomaJudge6","type":"localRace","location":"Sonoma","raceName":"Superior Court Judge, Office 6","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":117990,"candidates":[{"candidateName":"Omar Figueroa","candidateIncumbent":false,"candidateParty":"","voteCount":42236},{"candidateName":"Kenneth English","candidateIncumbent":false,"candidateParty":"","voteCount":75754}]},"SonomaD1":{"id":"SonomaD1","type":"localRace","location":"Sonoma","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":30348,"candidates":[{"candidateName":"Rebecca Hermosillo","candidateIncumbent":false,"candidateParty":"","voteCount":23958},{"candidateName":"Jonathan Mathieu","candidateIncumbent":false,"candidateParty":"","voteCount":6390}]},"SonomaD3":{"id":"SonomaD3","type":"localRace","location":"Sonoma","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sonoma/supervisor-3rd-district","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":16312,"candidates":[{"candidateName":"Chris Coursey","candidateIncumbent":true,"candidateParty":"","voteCount":11346},{"candidateName":"Omar Medina","candidateIncumbent":false,"candidateParty":"","voteCount":4966}]},"SonomaD5":{"id":"SonomaD5","type":"localRace","location":"Sonoma","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":23356,"candidates":[{"candidateName":"Lynda Hopkins","candidateIncumbent":true,"candidateParty":"","voteCount":23356}]},"SonomaMeasureA":{"id":"SonomaMeasureA","type":"localRace","location":"Sonoma","raceName":"Measure A","raceDescription":"Cotati-Rohnert Park Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":13756,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":10320},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3436}]},"SonomaMeasureB":{"id":"SonomaMeasureB","type":"localRace","location":"Sonoma","raceName":"Measure B","raceDescription":"Petaluma Joint Union High School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":24877,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":15795},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":9082}]},"SonomaMeasureC":{"id":"SonomaMeasureC","type":"localRace","location":"Sonoma","raceName":"Measure C","raceDescription":"Fort Ross School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":286,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":159},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":127}]},"SonomaMeasureD":{"id":"SonomaMeasureD","type":"localRace","location":"Sonoma","raceName":"Measure D","raceDescription":"Harmony Union School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":1925,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1089},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":836}]},"SonomaMeasureE":{"id":"SonomaMeasureE","type":"localRace","location":"Sonoma","raceName":"Measure E","raceDescription":"Petaluma City (Elementary) School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":11133,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7622},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3511}]},"SonomaMeasureG":{"id":"SonomaMeasureG","type":"localRace","location":"Sonoma","raceName":"Measure G","raceDescription":"Rincon Valley Union School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":14577,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":8668},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":5909}]},"SonomaMeasureH":{"id":"SonomaMeasureH","type":"localRace","location":"Sonoma","raceName":"Measure H","raceDescription":"Sonoma County. Sales tax. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sonoma/measure-h","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":145261,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":89646},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":55615}]}},"radioSchedulesReducer":{},"listsReducer":{"posts/news?tag=banks":{"isFetching":false,"latestQuery":{"from":0,"postsToRender":9},"tag":null,"vitalsOnly":true,"totalRequested":9,"isLoading":false,"isLoadingMore":true,"total":14,"items":["news_11960406","news_11948019","news_11943962","news_11820229","news_11805826","news_11751924","news_11664675","news_11450958","news_11447004"]}},"recallGuideReducer":{"intros":{},"policy":{},"candidates":{}},"savedPostsReducer":{},"pfsSessionReducer":{},"siteSettingsReducer":{},"subscriptionsReducer":{},"termsReducer":{"about":{"name":"About","type":"terms","id":"about","slug":"about","link":"/about","taxonomy":"site"},"arts":{"name":"Arts & Culture","grouping":["arts","pop","trulyca"],"description":"KQED Arts provides daily in-depth coverage of the Bay Area's music, art, film, performing arts, literature and arts news, as well as cultural commentary and criticism.","type":"terms","id":"arts","slug":"arts","link":"/arts","taxonomy":"site"},"artschool":{"name":"Art School","parent":"arts","type":"terms","id":"artschool","slug":"artschool","link":"/artschool","taxonomy":"site"},"bayareabites":{"name":"KQED food","grouping":["food","bayareabites","checkplease"],"parent":"food","type":"terms","id":"bayareabites","slug":"bayareabites","link":"/food","taxonomy":"site"},"bayareahiphop":{"name":"Bay Area Hiphop","type":"terms","id":"bayareahiphop","slug":"bayareahiphop","link":"/bayareahiphop","taxonomy":"site"},"campaign21":{"name":"Campaign 21","type":"terms","id":"campaign21","slug":"campaign21","link":"/campaign21","taxonomy":"site"},"checkplease":{"name":"KQED food","grouping":["food","bayareabites","checkplease"],"parent":"food","type":"terms","id":"checkplease","slug":"checkplease","link":"/food","taxonomy":"site"},"education":{"name":"Education","grouping":["education"],"type":"terms","id":"education","slug":"education","link":"/education","taxonomy":"site"},"elections":{"name":"Elections","type":"terms","id":"elections","slug":"elections","link":"/elections","taxonomy":"site"},"events":{"name":"Events","type":"terms","id":"events","slug":"events","link":"/events","taxonomy":"site"},"event":{"name":"Event","alias":"events","type":"terms","id":"event","slug":"event","link":"/event","taxonomy":"site"},"filmschoolshorts":{"name":"Film School Shorts","type":"terms","id":"filmschoolshorts","slug":"filmschoolshorts","link":"/filmschoolshorts","taxonomy":"site"},"food":{"name":"KQED food","grouping":["food","bayareabites","checkplease"],"type":"terms","id":"food","slug":"food","link":"/food","taxonomy":"site"},"forum":{"name":"Forum","relatedContentQuery":"posts/forum?","parent":"news","type":"terms","id":"forum","slug":"forum","link":"/forum","taxonomy":"site"},"futureofyou":{"name":"Future of You","grouping":["science","futureofyou"],"parent":"science","type":"terms","id":"futureofyou","slug":"futureofyou","link":"/futureofyou","taxonomy":"site"},"jpepinheart":{"name":"KQED food","relatedContentQuery":"trending/food,bayareabites,checkplease","parent":"food","type":"terms","id":"jpepinheart","slug":"jpepinheart","link":"/food","taxonomy":"site"},"liveblog":{"name":"Live Blog","type":"terms","id":"liveblog","slug":"liveblog","link":"/liveblog","taxonomy":"site"},"livetv":{"name":"Live TV","parent":"tv","type":"terms","id":"livetv","slug":"livetv","link":"/livetv","taxonomy":"site"},"lowdown":{"name":"The Lowdown","relatedContentQuery":"posts/lowdown?","parent":"news","type":"terms","id":"lowdown","slug":"lowdown","link":"/lowdown","taxonomy":"site"},"mindshift":{"name":"Mindshift","parent":"news","description":"MindShift explores the future of education by highlighting the innovative – and sometimes counterintuitive – ways educators and parents are helping all children succeed.","type":"terms","id":"mindshift","slug":"mindshift","link":"/mindshift","taxonomy":"site"},"news":{"name":"News","grouping":["news","forum"],"type":"terms","id":"news","slug":"news","link":"/news","taxonomy":"site"},"perspectives":{"name":"Perspectives","parent":"radio","type":"terms","id":"perspectives","slug":"perspectives","link":"/perspectives","taxonomy":"site"},"podcasts":{"name":"Podcasts","type":"terms","id":"podcasts","slug":"podcasts","link":"/podcasts","taxonomy":"site"},"pop":{"name":"Pop","parent":"arts","type":"terms","id":"pop","slug":"pop","link":"/pop","taxonomy":"site"},"pressroom":{"name":"Pressroom","type":"terms","id":"pressroom","slug":"pressroom","link":"/pressroom","taxonomy":"site"},"quest":{"name":"Quest","parent":"science","type":"terms","id":"quest","slug":"quest","link":"/quest","taxonomy":"site"},"radio":{"name":"Radio","grouping":["forum","perspectives"],"description":"Listen to KQED Public Radio – home of Forum and The California Report – on 88.5 FM in San Francisco, 89.3 FM in Sacramento, 88.3 FM in Santa Rosa and 88.1 FM in Martinez.","type":"terms","id":"radio","slug":"radio","link":"/radio","taxonomy":"site"},"root":{"name":"KQED","image":"https://ww2.kqed.org/app/uploads/2020/02/KQED-OG-Image@1x.png","imageWidth":1200,"imageHeight":630,"headData":{"title":"KQED | News, Radio, Podcasts, TV | Public Media for Northern California","description":"KQED provides public radio, television, and independent reporting on issues that matter to the Bay Area. We’re the NPR and PBS member station for Northern California."},"type":"terms","id":"root","slug":"root","link":"/root","taxonomy":"site"},"science":{"name":"Science","grouping":["science","futureofyou"],"description":"KQED Science brings you award-winning science and environment coverage from the Bay Area and beyond.","type":"terms","id":"science","slug":"science","link":"/science","taxonomy":"site"},"stateofhealth":{"name":"State of Health","parent":"science","type":"terms","id":"stateofhealth","slug":"stateofhealth","link":"/stateofhealth","taxonomy":"site"},"support":{"name":"Support","type":"terms","id":"support","slug":"support","link":"/support","taxonomy":"site"},"thedolist":{"name":"The Do List","parent":"arts","type":"terms","id":"thedolist","slug":"thedolist","link":"/thedolist","taxonomy":"site"},"trulyca":{"name":"Truly CA","grouping":["arts","pop","trulyca"],"parent":"arts","type":"terms","id":"trulyca","slug":"trulyca","link":"/trulyca","taxonomy":"site"},"tv":{"name":"TV","type":"terms","id":"tv","slug":"tv","link":"/tv","taxonomy":"site"},"voterguide":{"name":"Voter Guide","parent":"elections","alias":"elections","type":"terms","id":"voterguide","slug":"voterguide","link":"/voterguide","taxonomy":"site"},"news_69":{"type":"terms","id":"news_69","meta":{"index":"terms_1591234321","site":"news","id":"69","found":true},"relationships":{},"included":{},"name":"banks","slug":"banks","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"banks Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null,"imageData":{"ogImageSize":{"file":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","width":1200,"height":630},"twImageSize":{"file":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"},"twitterCard":"summary_large_image"}},"ttid":70,"isLoading":false,"link":"/news/tag/banks"},"source_news_11805826":{"type":"terms","id":"source_news_11805826","meta":{"override":true},"name":"NPR","link":"https://www.npr.org","isLoading":false},"source_news_11751924":{"type":"terms","id":"source_news_11751924","meta":{"override":true},"name":"CALMATTERS","isLoading":false},"news_1758":{"type":"terms","id":"news_1758","meta":{"index":"terms_1591234321","site":"news","id":"1758","found":true},"relationships":{},"included":{},"name":"Economy","slug":"economy","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Economy Archives | KQED News","description":"Full coverage of the economy","ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2648,"isLoading":false,"link":"/news/category/economy"},"news_8":{"type":"terms","id":"news_8","meta":{"index":"terms_1591234321","site":"news","id":"8","found":true},"relationships":{},"included":{},"name":"News","slug":"news","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"News Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":8,"isLoading":false,"link":"/news/category/news"},"news_20332":{"type":"terms","id":"news_20332","meta":{"index":"terms_1591234321","site":"news","id":"20332","found":true},"relationships":{},"included":{},"name":"Board of Supervisors","slug":"board-of-supervisors","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Board of Supervisors Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20349,"isLoading":false,"link":"/news/tag/board-of-supervisors"},"news_27045":{"type":"terms","id":"news_27045","meta":{"index":"terms_1591234321","site":"news","id":"27045","found":true},"relationships":{},"included":{},"name":"Dean Preston","slug":"dean-preston","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Dean Preston Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27062,"isLoading":false,"link":"/news/tag/dean-preston"},"news_27626":{"type":"terms","id":"news_27626","meta":{"index":"terms_1591234321","site":"news","id":"27626","found":true},"relationships":{},"included":{},"name":"featured-news","slug":"featured-news","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"featured-news Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27643,"isLoading":false,"link":"/news/tag/featured-news"},"news_33146":{"type":"terms","id":"news_33146","meta":{"index":"terms_1591234321","site":"news","id":"33146","found":true},"relationships":{},"included":{},"name":"municipal bank","slug":"municipal-bank","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"municipal bank Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":33163,"isLoading":false,"link":"/news/tag/municipal-bank"},"news_33147":{"type":"terms","id":"news_33147","meta":{"index":"terms_1591234321","site":"news","id":"33147","found":true},"relationships":{},"included":{},"name":"public bank","slug":"public-bank","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"public bank Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":33164,"isLoading":false,"link":"/news/tag/public-bank"},"news_6927":{"type":"terms","id":"news_6927","meta":{"index":"terms_1591234321","site":"news","id":"6927","found":true},"relationships":{},"included":{},"name":"Silicon Valley Bank","slug":"silicon-valley-bank","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Silicon Valley Bank Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":6951,"isLoading":false,"link":"/news/tag/silicon-valley-bank"},"news_21368":{"type":"terms","id":"news_21368","meta":{"index":"terms_1591234321","site":"news","id":"21368","found":true},"relationships":{},"included":{},"name":"banking","slug":"banking","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"banking Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":21385,"isLoading":false,"link":"/news/tag/banking"},"news_4866":{"type":"terms","id":"news_4866","meta":{"index":"terms_1591234321","site":"news","id":"4866","found":true},"relationships":{},"included":{},"name":"Federal Reserve","slug":"federal-reserve","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Federal Reserve Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":4885,"isLoading":false,"link":"/news/tag/federal-reserve"},"news_32682":{"type":"terms","id":"news_32682","meta":{"index":"terms_1591234321","site":"news","id":"32682","found":true},"relationships":{},"included":{},"name":"Signature Bank","slug":"signature-bank","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Signature Bank Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":32699,"isLoading":false,"link":"/news/tag/signature-bank"},"news_353":{"type":"terms","id":"news_353","meta":{"index":"terms_1591234321","site":"news","id":"353","found":true},"relationships":{},"included":{},"name":"Silicon Valley","slug":"silicon-valley","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Silicon Valley Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":361,"isLoading":false,"link":"/news/tag/silicon-valley"},"news_253":{"type":"terms","id":"news_253","meta":{"index":"terms_1591234321","site":"news","id":"253","found":true},"relationships":{},"included":{},"name":"NPR","slug":"npr","taxonomy":"affiliate","description":null,"featImg":null,"headData":{"title":"NPR Archives - Get the Latest News and Reports from California | KQED","description":"KQED is the NPR station for the Bay Area, providing award-winning news, programming, and community engagement.","ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":7083,"isLoading":false,"link":"/news/affiliate/npr"},"news_7052":{"type":"terms","id":"news_7052","meta":{"index":"terms_1591234321","site":"news","id":"7052","found":true},"relationships":{"ogImgId":{"data":{"type":"attachments","id":"news_117396"}}},"included":{},"name":"KQED Newsroom","slug":"kqed-newsroom","taxonomy":"program","description":null,"featImg":"https://ww2.kqed.org/app/uploads/sites/10/2014/10/KQED-Newsroom-Logo-Web-Banners-051.png","headData":{"title":"KQED Newsroom | KQED Arts","description":"KQED Newsroom airs every Friday on KQED-9","ogTitle":"KQED Newsroom","ogDescription":"KQED Newsroom is our weekly show highlighting the issues that matter most to the people of Northern California.","ogImgId":"news_117396","twTitle":null,"twDescription":null,"twImgId":null},"ttid":7078,"isLoading":false,"link":"/news/program/kqed-newsroom"},"news_31795":{"type":"terms","id":"news_31795","meta":{"index":"terms_1591234321","site":"news","id":"31795","found":true},"relationships":{},"included":{},"name":"California","slug":"california","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"California Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":31812,"isLoading":false,"link":"/news/category/california"},"news_13":{"type":"terms","id":"news_13","meta":{"index":"terms_1591234321","site":"news","id":"13","found":true},"relationships":{},"included":{},"name":"Politics and Government","slug":"politics-and-government","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Politics and Government Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":13,"isLoading":false,"link":"/news/category/politics-and-government"},"news_248":{"type":"terms","id":"news_248","meta":{"index":"terms_1591234321","site":"news","id":"248","found":true},"relationships":{},"included":{},"name":"Technology","slug":"technology","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Technology Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":256,"isLoading":false,"link":"/news/category/technology"},"news_32527":{"type":"terms","id":"news_32527","meta":{"index":"terms_1591234321","site":"news","id":"32527","found":true},"relationships":{},"included":{},"name":"bank failure","slug":"bank-failure","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"bank failure Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":32544,"isLoading":false,"link":"/news/tag/bank-failure"},"news_28321":{"type":"terms","id":"news_28321","meta":{"index":"terms_1591234321","site":"news","id":"28321","found":true},"relationships":{},"included":{},"name":"big tech","slug":"big-tech","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"big tech Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":28338,"isLoading":false,"link":"/news/tag/big-tech"},"news_2619":{"type":"terms","id":"news_2619","meta":{"index":"terms_1591234321","site":"news","id":"2619","found":true},"relationships":{},"included":{},"name":"finance","slug":"finance","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"finance Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2635,"isLoading":false,"link":"/news/tag/finance"},"news_30424":{"type":"terms","id":"news_30424","meta":{"index":"terms_1591234321","site":"news","id":"30424","found":true},"relationships":{},"included":{},"name":"fintech","slug":"fintech","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"fintech Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":30441,"isLoading":false,"link":"/news/tag/fintech"},"news_27510":{"type":"terms","id":"news_27510","meta":{"index":"terms_1591234321","site":"news","id":"27510","found":true},"relationships":{},"included":{},"name":"Adhiti Bandlamudi","slug":"adhiti-bandlamudi","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Adhiti Bandlamudi Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27527,"isLoading":false,"link":"/news/tag/adhiti-bandlamudi"},"news_20178":{"type":"terms","id":"news_20178","meta":{"index":"terms_1591234321","site":"news","id":"20178","found":true},"relationships":{},"included":{},"name":"Bay Area Council","slug":"bay-area-council","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Bay Area Council Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20195,"isLoading":false,"link":"/news/tag/bay-area-council"},"news_27814":{"type":"terms","id":"news_27814","meta":{"index":"terms_1591234321","site":"news","id":"27814","found":true},"relationships":{},"included":{},"name":"Paycheck Protection Program","slug":"paycheck-protection-program","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Paycheck Protection Program Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27831,"isLoading":false,"link":"/news/tag/paycheck-protection-program"},"news_20920":{"type":"terms","id":"news_20920","meta":{"index":"terms_1591234321","site":"news","id":"20920","found":true},"relationships":{},"included":{},"name":"small business","slug":"small-business","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"small business Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20937,"isLoading":false,"link":"/news/tag/small-business"},"news_6188":{"type":"terms","id":"news_6188","meta":{"index":"terms_1591234321","site":"news","id":"6188","found":true},"relationships":{},"included":{},"name":"Law and Justice","slug":"law-and-justice","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Law and Justice Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":6212,"isLoading":false,"link":"/news/category/law-and-justice"},"news_18538":{"type":"terms","id":"news_18538","meta":{"index":"terms_1591234321","site":"news","id":"18538","found":true},"relationships":{},"included":{},"name":"California","slug":"california","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"California Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":31,"isLoading":false,"link":"/news/tag/california"},"news_18545":{"type":"terms","id":"news_18545","meta":{"index":"terms_1591234321","site":"news","id":"18545","found":true},"relationships":{},"included":{},"name":"Economy","slug":"economy","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Economy Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1771,"isLoading":false,"link":"/news/tag/economy"},"news_2424":{"type":"terms","id":"news_2424","meta":{"index":"terms_1591234321","site":"news","id":"2424","found":true},"relationships":{},"included":{},"name":"Wells Fargo","slug":"wells-fargo","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Wells Fargo Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2439,"isLoading":false,"link":"/news/tag/wells-fargo"},"news_25866":{"type":"terms","id":"news_25866","meta":{"index":"terms_1591234321","site":"news","id":"25866","found":true},"relationships":{},"included":{},"name":"California poverty","slug":"california-poverty","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"California poverty Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":25883,"isLoading":false,"link":"/news/tag/california-poverty"},"news_1585":{"type":"terms","id":"news_1585","meta":{"index":"terms_1591234321","site":"news","id":"1585","found":true},"relationships":{},"included":{},"name":"poverty","slug":"poverty","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"poverty Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1597,"isLoading":false,"link":"/news/tag/poverty"},"news_20704":{"type":"terms","id":"news_20704","meta":{"index":"terms_1591234321","site":"news","id":"20704","found":true},"relationships":{},"included":{},"name":"predatory lending","slug":"predatory-lending","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"predatory lending Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20721,"isLoading":false,"link":"/news/tag/predatory-lending"},"news_18481":{"type":"terms","id":"news_18481","meta":{"index":"terms_1591234321","site":"news","id":"18481","found":true},"relationships":{},"included":{},"name":"CALmatters","slug":"calmatters","taxonomy":"affiliate","description":null,"featImg":null,"headData":{"title":"CALmatters Archives | KQED Arts","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":18515,"isLoading":false,"link":"/news/affiliate/calmatters"},"news_72":{"type":"terms","id":"news_72","meta":{"index":"terms_1591234321","site":"news","id":"72","found":true},"relationships":{},"included":{},"name":"The California Report","slug":"the-california-report","taxonomy":"program","description":null,"featImg":"https://ww2.kqed.org/app/uploads/sites/10/2014/10/TCR-2-Logo-Web-Banners-03.png","headData":{"title":"The California Report Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":6969,"isLoading":false,"link":"/news/program/the-california-report"},"news_20719":{"type":"terms","id":"news_20719","meta":{"index":"terms_1591234321","site":"news","id":"20719","found":true},"relationships":{},"included":{},"name":"Bob Hertzberg","slug":"bob-hertzberg","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Bob Hertzberg Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20736,"isLoading":false,"link":"/news/tag/bob-hertzberg"},"news_19963":{"type":"terms","id":"news_19963","meta":{"index":"terms_1591234321","site":"news","id":"19963","found":true},"relationships":{},"included":{},"name":"Cannabis","slug":"cannabis","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Cannabis Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":19980,"isLoading":false,"link":"/news/tag/cannabis"},"news_102":{"type":"terms","id":"news_102","meta":{"index":"terms_1591234321","site":"news","id":"102","found":true},"relationships":{},"included":{},"name":"marijuana","slug":"marijuana","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"marijuana Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":106,"isLoading":false,"link":"/news/tag/marijuana"},"news_20089":{"type":"terms","id":"news_20089","meta":{"index":"terms_1591234321","site":"news","id":"20089","found":true},"relationships":{},"included":{},"name":"recreational marijuana","slug":"recreational-marijuana","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"recreational marijuana Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20106,"isLoading":false,"link":"/news/tag/recreational-marijuana"},"news_3883":{"type":"terms","id":"news_3883","meta":{"index":"terms_1591234321","site":"news","id":"3883","found":true},"relationships":{},"included":{},"name":"State Senate","slug":"state-senate","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"State Senate Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":3902,"isLoading":false,"link":"/news/tag/state-senate"},"news_17286":{"type":"terms","id":"news_17286","meta":{"index":"terms_1591234321","site":"news","id":"17286","found":true},"relationships":{},"included":{},"name":"tcr","slug":"tcr","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"tcr Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":17318,"isLoading":false,"link":"/news/tag/tcr"},"news_6944":{"type":"terms","id":"news_6944","meta":{"index":"terms_1591234321","site":"news","id":"6944","found":true},"relationships":{},"included":{},"name":"News Fix","slug":"news-fix","taxonomy":"program","description":null,"featImg":"https://ww2.kqed.org/app/uploads/sites/10/2014/10/News-Fix-Logo-Web-Banners-04.png","headData":{"title":"News Fix - Daily Dose of Bay Area News | KQED","description":"The News Fix is a daily news podcast from KQED that breaks down the latest headlines and provides in-depth analysis of the stories that matter to the Bay Area.","ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":6968,"isLoading":false,"link":"/news/program/news-fix"},"news_4032":{"type":"terms","id":"news_4032","meta":{"index":"terms_1591234321","site":"news","id":"4032","found":true},"relationships":{},"included":{},"name":"loans","slug":"loans","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"loans Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":4051,"isLoading":false,"link":"/news/tag/loans"},"news_20922":{"type":"terms","id":"news_20922","meta":{"index":"terms_1591234321","site":"news","id":"20922","found":true},"relationships":{},"included":{},"name":"credit","slug":"credit","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"credit Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20939,"isLoading":false,"link":"/news/tag/credit"},"news_19542":{"type":"terms","id":"news_19542","meta":{"index":"terms_1591234321","site":"news","id":"19542","found":true},"relationships":{},"included":{},"name":"featured","slug":"featured","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"featured Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":19559,"isLoading":false,"link":"/news/tag/featured"},"news_20605":{"type":"terms","id":"news_20605","meta":{"index":"terms_1591234321","site":"news","id":"20605","found":true},"relationships":{},"included":{},"name":"Latino","slug":"latino","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Latino Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20622,"isLoading":false,"link":"/news/tag/latino"},"news_20923":{"type":"terms","id":"news_20923","meta":{"index":"terms_1591234321","site":"news","id":"20923","found":true},"relationships":{},"included":{},"name":"microloan","slug":"microloan","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"microloan Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20940,"isLoading":false,"link":"/news/tag/microloan"},"news_18":{"type":"terms","id":"news_18","meta":{"index":"terms_1591234321","site":"news","id":"18","found":true},"relationships":{},"included":{},"name":"Oakland","slug":"oakland","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Oakland Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":86,"isLoading":false,"link":"/news/tag/oakland"}},"userAgentReducer":{"userAgent":"claudebot","isBot":true},"userPermissionsReducer":{"wpLoggedIn":false},"localStorageReducer":{},"browserHistoryReducer":[],"eventsReducer":{},"fssReducer":{},"tvDailyScheduleReducer":{},"tvWeeklyScheduleReducer":{},"tvPrimetimeScheduleReducer":{},"tvMonthlyScheduleReducer":{},"userAccountReducer":{"routeTo":"","showDeleteConfirmModal":false,"user":{"userId":"","isFound":false,"firstName":"","lastName":"","phoneNumber":"","email":"","articles":[]}},"youthMediaReducer":{},"checkPleaseReducer":{"filterData":{},"restaurantData":[]},"reframeReducer":{"attendee":null},"location":{"pathname":"/news/tag/banks","previousPathname":"/"}}