17 Struggling California Hospitals Accept Millions in Interest-Free Loans
Large, Publicly Traded Firms Get $300M in Loans Meant for Small Businesses
Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps
California Latinos Make Up Small Fraction of Mortgage Market
New Rules Would Target Discrimination in Small-Business Lending
Why Are Fewer Loans Going to Minority Business Owners?
Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?
California Lawmaker Proposes to Curb High-Interest Loans
California Homebuying Program for Veterans Hands Out Few Loans
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_11959187":{"type":"attachments","id":"news_11959187","meta":{"index":"attachments_1591205162","site":"news","id":"11959187","found":true},"title":"CalMattersHospitals","publishDate":1692985617,"status":"inherit","parent":0,"modified":1692986189,"caption":"A road sign announcing the closure of the Emergency Room and Madera Community Hospital outside the main entrance on Jan. 2, 2023.","credit":"Larry Valenzuela/CalMatters via CatchLight Local","altTag":"An electric road sign on a gloomy, wet day reads, \"ER and Hospital Closed.\" A hospital is seen in the background with several white vehicles in the parking lot.","description":null,"imgSizes":{"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"1536x1536":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-1536x1024.jpg","width":1536,"height":1024,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/CalMattersHospitals.jpg","width":2000,"height":1333}},"fetchFailed":false,"isLoading":false},"news_11813367":{"type":"attachments","id":"news_11813367","meta":{"index":"attachments_1591205162","site":"news","id":"11813367","found":true},"title":"Stock Of Sandwich Shop Potbelly Soars After Its IPO","publishDate":1587500193,"status":"inherit","parent":11813345,"modified":1587500275,"caption":"The Potbelly restaurant chain received a Payroll Protection Program loan for $10 million.","credit":"Andrew Burton/Getty Images","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1832x1280.jpg","width":1832,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1122x1280.jpg","width":1122,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1472x1280.jpg","width":1472,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42864_GettyImages-183115261-qut.jpg","width":1920,"height":1280}},"fetchFailed":false,"isLoading":false},"news_11810208":{"type":"attachments","id":"news_11810208","meta":{"index":"attachments_1591205162","site":"news","id":"11810208","found":true},"title":"002_KQED_SanFrancisco_CheckCashing_03202020","publishDate":1585790186,"status":"inherit","parent":11810146,"modified":1585790224,"caption":"A long line at a check cashing shop on Mission Street in San Francisco on March 20, 2020.","credit":"Beth LaBerge/KQED","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1832x1280.jpg","width":1832,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1122x1280.jpg","width":1122,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1472x1280.jpg","width":1472,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020.jpg","width":1920,"height":1280}},"fetchFailed":false,"isLoading":false},"news_11650554":{"type":"attachments","id":"news_11650554","meta":{"index":"attachments_1591205162","site":"news","id":"11650554","found":true},"title":"RS16247_GettyImages-150582090-qut","publishDate":1518815839,"status":"inherit","parent":11650543,"modified":1518815986,"caption":"A national analysis by Reveal from The Center for Investigative Reporting found Latinos in the San Francisco metro region made up a quarter of the population but just over 4 percent of home loan applications.","credit":"Justin Sullivan/Getty Images","description":"A national analysis by Reveal from The Center for Investigative Reporting found Latinos in the San Francisco metro region made up a quarter of the population but just over 4 percent of home loan applications.","imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-160x106.jpg","width":160,"height":106,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-800x530.jpg","width":800,"height":530,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-1020x676.jpg","width":1020,"height":676,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-1920x1272.jpg","width":1920,"height":1272,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-1180x782.jpg","width":1180,"height":782,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-960x636.jpg","width":960,"height":636,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-240x159.jpg","width":240,"height":159,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-375x248.jpg","width":375,"height":248,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-520x345.jpg","width":520,"height":345,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-1180x782.jpg","width":1180,"height":782,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-1920x1272.jpg","width":1920,"height":1272,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/02/RS16247_GettyImages-150582090-qut.jpg","width":1920,"height":1272}},"fetchFailed":false,"isLoading":false},"news_11617868":{"type":"attachments","id":"news_11617868","meta":{"index":"attachments_1591205162","site":"news","id":"11617868","found":true},"title":"US-BANKING-CONGRESS-WELLS FARGO","publishDate":1505869388,"status":"inherit","parent":11617577,"modified":1506033396,"caption":"Richard Cordray directs the Consumer Financial Protection Bureau. The agency is crafting new rules that would force banks to disclose how many of their loans are going to women, as well as African-American, Latino, Asian and other small-business owners.","credit":"Saul Loeb/AFP/Getty Images","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-160x110.jpg","width":160,"height":110,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-800x549.jpg","width":800,"height":549,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-1020x700.jpg","width":1020,"height":700,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-1920x1317.jpg","width":1920,"height":1317,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-1180x809.jpg","width":1180,"height":809,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-960x659.jpg","width":960,"height":659,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-240x165.jpg","width":240,"height":165,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-375x257.jpg","width":375,"height":257,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-520x357.jpg","width":520,"height":357,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-1180x809.jpg","width":1180,"height":809,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-1920x1317.jpg","width":1920,"height":1317,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut.jpg","width":1920,"height":1317}},"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_11425166":{"type":"attachments","id":"news_11425166","meta":{"index":"attachments_1591205162","site":"news","id":"11425166","found":true},"title":"DREAM 2 1% down sign jp","publishDate":1493075462,"status":"inherit","parent":11425165,"modified":1493418670,"caption":"A sign lashed to a wooden post at the edge of a vacant lot in the working-class town of Bloomington may arouse suspicion in those who remember the mortgage meltdown.","credit":"Douglas McCulloh","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-1180x787.jpg","width":1180,"height":787,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-960x640.jpg","width":960,"height":640,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-240x160.jpg","width":240,"height":160,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-375x250.jpg","width":375,"height":250,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-520x347.jpg","width":520,"height":347,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-1180x787.jpg","width":1180,"height":787,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-1-down-sign-jp.jpg","width":1920,"height":1280}},"fetchFailed":false,"isLoading":false},"news_11372539":{"type":"attachments","id":"news_11372539","meta":{"index":"attachments_1591205162","site":"news","id":"11372539","found":true},"title":"RS24708_IMG_7142-qut","publishDate":1490293873,"status":"inherit","parent":11371178,"modified":1490308446,"caption":"A sign in San Francisco's Mission District advertises loans for more than $2,500. California currently does not cap interest rates on consumer loans over that amount.","credit":"Farida Jhabvala Romero/KQED News","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-160x120.jpg","width":160,"height":120,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-800x600.jpg","width":800,"height":600,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-1020x765.jpg","width":1020,"height":765,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-1180x885.jpg","width":1180,"height":885,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-960x720.jpg","width":960,"height":720,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-240x180.jpg","width":240,"height":180,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-375x281.jpg","width":375,"height":281,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-520x390.jpg","width":520,"height":390,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-1180x885.jpg","width":1180,"height":885,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/03/RS24708_IMG_7142-qut.jpg","width":1920,"height":1440}},"fetchFailed":false,"isLoading":false}},"audioPlayerReducer":{"postId":"stream_live"},"authorsReducer":{"byline_news_11959175":{"type":"authors","id":"byline_news_11959175","meta":{"override":true},"slug":"byline_news_11959175","name":"\u003ca href=\"https://calmatters.org/author/anaibarra/\">Ana B. Ibarra\u003c/a>","isLoading":false},"byline_news_11813345":{"type":"authors","id":"byline_news_11813345","meta":{"override":true},"slug":"byline_news_11813345","name":"Reese Dunklin, Justin Pritchard, Justin Myers and Krysta Fauria \u003cbr> Associated Press","isLoading":false},"byline_news_11810146":{"type":"authors","id":"byline_news_11810146","meta":{"override":true},"slug":"byline_news_11810146","name":"Manuela Tobias, The Fresno Bee","isLoading":false},"byline_news_11650543":{"type":"authors","id":"byline_news_11650543","meta":{"override":true},"slug":"byline_news_11650543","name":"\u003cstrong>Janie Har \u003c/strong>\u003c/br>Associated Press","isLoading":false},"kqednewsstaffandwires":{"type":"authors","id":"237","meta":{"index":"authors_1591205172","id":"237","found":true},"name":"KQED News Staff and Wires","firstName":"KQED News Staff and Wires","lastName":null,"slug":"kqednewsstaffandwires","email":"onlinenewsstaff@kqed.org","display_author_email":false,"staff_mastheads":[],"title":null,"bio":null,"avatar":"https://secure.gravatar.com/avatar/72295af8ebbfbd19a4948f5271285664?s=600&d=blank&r=g","twitter":null,"facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["contributor"]},{"site":"news","roles":["contributor"]},{"site":"lowdown","roles":["author"]},{"site":"stateofhealth","roles":["contributor"]},{"site":"food","roles":["author"]}],"headData":{"title":"KQED News Staff and Wires | KQED","description":null,"ogImgSrc":"https://secure.gravatar.com/avatar/72295af8ebbfbd19a4948f5271285664?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/72295af8ebbfbd19a4948f5271285664?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/kqednewsstaffandwires"},"scuevas":{"type":"authors","id":"2600","meta":{"index":"authors_1591205172","id":"2600","found":true},"name":"Steven Cuevas","firstName":"Steven","lastName":"Cuevas","slug":"scuevas","email":"scuevas@kqed.org","display_author_email":false,"staff_mastheads":[],"title":"KQED Contributor","bio":"Steven is a former Los Angeles bureau chief for The California Report.\r\n\r\nHe reports on an array of issues across the Southland, from immigration and regional politics to religion, the performing arts and pop culture.\r\n\r\nPrior to joining KQED in 2012, Steven covered Inland southern California for KPCC in Pasadena. He also helped establish the first newsroom at \u003ca href=\"http://kut.org/\">KUT\u003c/a> in Austin, Texas where he was a general assignment reporter.\r\n\r\nSteven has received numerous awards for his reporting including an RTNDA Edward R. Murrow Award for investigative reporting in addition to awards from the LA Press Club, the Associated Press and the Society for Professional Journalists.\r\n\r\nSteven grew up in and around San Francisco and now lives in Pasadena just a short jog from the foot of the San Gabriel Mountains.","avatar":"https://secure.gravatar.com/avatar/bbb0bb7b496f83ab350e23ad0dc7c81c?s=600&d=blank&r=g","twitter":null,"facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["subscriber"]},{"site":"stateofhealth","roles":["author"]}],"headData":{"title":"Steven Cuevas | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/bbb0bb7b496f83ab350e23ad0dc7c81c?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/bbb0bb7b496f83ab350e23ad0dc7c81c?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/scuevas"},"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"}},"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_11959175":{"type":"posts","id":"news_11959175","meta":{"index":"posts_1591205157","site":"news","id":"11959175","score":null,"sort":[1692989337000]},"guestAuthors":[],"slug":"17-california-hospitals-accept-millions-interest-free-loans","title":"17 Struggling California Hospitals Accept Millions in Interest-Free Loans","publishDate":1692989337,"format":"standard","headTitle":"17 Struggling California Hospitals Accept Millions in Interest-Free Loans | KQED","labelTerm":{"term":18481,"site":"news"},"content":"\u003cp>Seventeen \u003ca href=\"https://hcai.ca.gov/california-announces-300-million-in-financial-support-for-community-hospitals-across-the-state/\">financially distressed California hospitals\u003c/a> — including three that filed for bankruptcy earlier this year — will receive close to $300 million in interest-free loans, state officials announced Thursday.\u003c/p>\n\u003cp>\u003ca href=\"https://calmatters.org/health/2023/01/hospital-closure/\">Madera Community Hospital\u003c/a>, which closed its doors in January, stands to receive the biggest chunk, $52 million. The money comes from the Distressed Hospital Loan Program, which the Legislature created to support rural and independent hospitals that faced financial challenges coming out of the COVID-19 pandemic.\u003c/p>\n\u003cp>The Madera hospital had requested $80 million, but the money it received is expected to be enough to fund a reopening for the rural hospital about 25 miles north of Fresno.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Adventist Health, which operates hospitals in four West Coast states, last month announced a proposal to take over Madera’s operations through a management agreement, contingent on it receiving the state funds. In a letter outlining its terms, Adventist \u003ca href=\"https://calmatters.org/wp-content/uploads/2023/08/Madera-LOI-20230727-final.pdf\">projected needing $55 million to reopen (PDF)\u003c/a> and another $30 million to sustain operations in the second year.[aside postID=news_11958245 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/08/033023_Hollister_Hospital_LV_CM_01-1020x680.jpg']Madera will initially receive $2 million to cover immediate operating costs. Officials at Adventist Health and Madera Community will have to submit a “comprehensive hospital turnaround plan” and, if approved, will then become eligible to receive the remaining $50 million.\u003c/p>\n\u003cp>“This financial assistance is an important step in the right direction to help Madera Community Hospital reopen its doors to the community. We have more work to do, but I’m proud to have led this effort,” said Assemblymember Esmeralda Soria, a Fresno Democrat whose district includes Madera and who authored legislation that led to the loan program.\u003c/p>\n\u003cp>Adventist Health in a written statement said it is working with “community partners and stakeholders in developing a thoughtful, comprehensive hospital turnaround plan.”\u003c/p>\n\u003cp>Beverly Hospital, located east of Los Angeles, will receive $5 million to cover operations while it is in bankruptcy. The hospital applied for $35 million, but it is now set to be bought by Adventist Health White Memorial. A bankruptcy judge last week approved \u003ca href=\"https://oag.ca.gov/system/files/media/bh-638.pdf\">Adventist’s $39 million purchase of Beverly (PDF)\u003c/a>.[pullquote size=\"medium\" align=\"right\" citation=\"State Treasurer Fiona Ma\"]‘The hospitals approved for this program have shown a detailed plan for financial recovery and these funds will help them keep the doors open so they can keep serving their communities.’[/pullquote]Another bankrupt hospital, Hazel Hawkins Memorial, will receive the $10 million it requested. It’s the only source of emergency care in San Benito County, a rural community east of Monterey.\u003c/p>\n\u003cp>“The hospitals approved for this program have shown a detailed plan for financial recovery and these funds will help them keep the doors open so they can keep serving their communities,” said State Treasurer Fiona Ma, whose office is helping administer the funds. Ma said her team has already begun providing instructions and assistance to the awarded hospitals.\u003c/p>\n\u003ch2>Biggest loans to distressed hospitals\u003c/h2>\n\u003cp>The Department of Health Care Access and Information reviewed applications and selected hospitals for the program. Thirty hospitals applied for loans.\u003c/p>\n\u003cp>Other hospitals that will receive significant funding include the following:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://www.tricitymed.org/wp-content/uploads/2023/07/agenda-packet.Special-Meeting-7.27.23.pdf\">Tri-City Medical Center (PDF)\u003c/a> in San Diego will receive $33.2 million. The hospital recently announced plans to suspend its labor and delivery services amid “financial losses.”\u003c/li>\n\u003cli>\u003ca href=\"https://calmatters.org/health/2023/01/hospital-closure/\">Kaweah Delta Health Care District\u003c/a> in Visalia will get a $20.8 million loan. This hospital laid off 130 employees late last year.\u003c/li>\n\u003cli>\u003ca href=\"https://inewsource.org/2023/02/07/el-centro-hospital-financial-problems/\">El Centro Regional Medical Center\u003c/a> in Imperial County, which in January closed its maternity ward, will receive $28 million.\u003c/li>\n\u003cli>\u003ca href=\"https://pmhd.org/\">Pioneers Memorial Healthcare District\u003c/a>, Imperial County’s only other hospital, also is set to receive $28 million.\u003c/li>\n\u003cli>\u003ca href=\"https://www.dameronhospital.org/\">Dameron Hospital\u003c/a> in Stockton, now also being managed by Adventist Health, will be loaned $29 million.\u003c/li>\n\u003c/ul>\n\u003ch2>Vulnerable California hospitals\u003c/h2>\n\u003cp>Most California hospitals are part of large networks that can navigate turbulent financial periods. A number of community and independent hospitals have struggled for years, especially after the peak of the pandemic. Some recently reduced services or laid off staff.[aside label='More on Health Care' tag='health-care']Hospitals have pointed to a number of factors for their distressed state — increased labor costs, and inadequate reimbursement from public insurance programs, Medicare and Medi-Cal, and in \u003ca href=\"https://fresnoland.org/2023/03/01/reimbursements-rates-madera-hospital-closure/\">some cases private insurance.\u003c/a>\u003c/p>\n\u003cp>Some hospitals began to ask the state for help late last year, but the closure of Madera Community Hospital prompted more urgency from lawmakers. It shut its doors after Trinity Health, a large Catholic health system, pulled out of negotiations to purchase the hospital.\u003c/p>\n\u003cp>Madera Community Hospital in the San Joaquin Valley was the only general acute care hospital in the county of about 160,000 people. The closest emergency rooms are about \u003ca href=\"https://www.fresnobee.com/news/local/article272712840.html\">30 and 40 minutes drive away in Fresno and Merced\u003c/a>.\u003c/p>\n\u003cp>The Distressed Hospital Loan Program closes at the end of 2031. Hospitals will get an 18-month grace period and then will have to repay loans over a six-year period.\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The Distressed Hospital Loan Program provides interest-free loans to struggling medical centers in an effort to combat rising costs exacerbated by the pandemic.","status":"publish","parent":0,"modified":1692989243,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":850},"headData":{"title":"17 Struggling California Hospitals Accept Millions in Interest-Free Loans | KQED","description":"The Distressed Hospital Loan Program provides interest-free loans to struggling medical centers in an effort to combat rising costs exacerbated by the pandemic.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"17 Struggling California Hospitals Accept Millions in Interest-Free Loans","datePublished":"2023-08-25T18:48:57.000Z","dateModified":"2023-08-25T18:47:23.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"nprByline":"\u003ca href=\"https://calmatters.org/author/anaibarra/\">Ana B. Ibarra\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11959175/17-california-hospitals-accept-millions-interest-free-loans","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Seventeen \u003ca href=\"https://hcai.ca.gov/california-announces-300-million-in-financial-support-for-community-hospitals-across-the-state/\">financially distressed California hospitals\u003c/a> — including three that filed for bankruptcy earlier this year — will receive close to $300 million in interest-free loans, state officials announced Thursday.\u003c/p>\n\u003cp>\u003ca href=\"https://calmatters.org/health/2023/01/hospital-closure/\">Madera Community Hospital\u003c/a>, which closed its doors in January, stands to receive the biggest chunk, $52 million. The money comes from the Distressed Hospital Loan Program, which the Legislature created to support rural and independent hospitals that faced financial challenges coming out of the COVID-19 pandemic.\u003c/p>\n\u003cp>The Madera hospital had requested $80 million, but the money it received is expected to be enough to fund a reopening for the rural hospital about 25 miles north of Fresno.\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>Adventist Health, which operates hospitals in four West Coast states, last month announced a proposal to take over Madera’s operations through a management agreement, contingent on it receiving the state funds. In a letter outlining its terms, Adventist \u003ca href=\"https://calmatters.org/wp-content/uploads/2023/08/Madera-LOI-20230727-final.pdf\">projected needing $55 million to reopen (PDF)\u003c/a> and another $30 million to sustain operations in the second year.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11958245","hero":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/033023_Hollister_Hospital_LV_CM_01-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Madera will initially receive $2 million to cover immediate operating costs. Officials at Adventist Health and Madera Community will have to submit a “comprehensive hospital turnaround plan” and, if approved, will then become eligible to receive the remaining $50 million.\u003c/p>\n\u003cp>“This financial assistance is an important step in the right direction to help Madera Community Hospital reopen its doors to the community. We have more work to do, but I’m proud to have led this effort,” said Assemblymember Esmeralda Soria, a Fresno Democrat whose district includes Madera and who authored legislation that led to the loan program.\u003c/p>\n\u003cp>Adventist Health in a written statement said it is working with “community partners and stakeholders in developing a thoughtful, comprehensive hospital turnaround plan.”\u003c/p>\n\u003cp>Beverly Hospital, located east of Los Angeles, will receive $5 million to cover operations while it is in bankruptcy. The hospital applied for $35 million, but it is now set to be bought by Adventist Health White Memorial. A bankruptcy judge last week approved \u003ca href=\"https://oag.ca.gov/system/files/media/bh-638.pdf\">Adventist’s $39 million purchase of Beverly (PDF)\u003c/a>.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘The hospitals approved for this program have shown a detailed plan for financial recovery and these funds will help them keep the doors open so they can keep serving their communities.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"State Treasurer Fiona Ma","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Another bankrupt hospital, Hazel Hawkins Memorial, will receive the $10 million it requested. It’s the only source of emergency care in San Benito County, a rural community east of Monterey.\u003c/p>\n\u003cp>“The hospitals approved for this program have shown a detailed plan for financial recovery and these funds will help them keep the doors open so they can keep serving their communities,” said State Treasurer Fiona Ma, whose office is helping administer the funds. Ma said her team has already begun providing instructions and assistance to the awarded hospitals.\u003c/p>\n\u003ch2>Biggest loans to distressed hospitals\u003c/h2>\n\u003cp>The Department of Health Care Access and Information reviewed applications and selected hospitals for the program. Thirty hospitals applied for loans.\u003c/p>\n\u003cp>Other hospitals that will receive significant funding include the following:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://www.tricitymed.org/wp-content/uploads/2023/07/agenda-packet.Special-Meeting-7.27.23.pdf\">Tri-City Medical Center (PDF)\u003c/a> in San Diego will receive $33.2 million. The hospital recently announced plans to suspend its labor and delivery services amid “financial losses.”\u003c/li>\n\u003cli>\u003ca href=\"https://calmatters.org/health/2023/01/hospital-closure/\">Kaweah Delta Health Care District\u003c/a> in Visalia will get a $20.8 million loan. This hospital laid off 130 employees late last year.\u003c/li>\n\u003cli>\u003ca href=\"https://inewsource.org/2023/02/07/el-centro-hospital-financial-problems/\">El Centro Regional Medical Center\u003c/a> in Imperial County, which in January closed its maternity ward, will receive $28 million.\u003c/li>\n\u003cli>\u003ca href=\"https://pmhd.org/\">Pioneers Memorial Healthcare District\u003c/a>, Imperial County’s only other hospital, also is set to receive $28 million.\u003c/li>\n\u003cli>\u003ca href=\"https://www.dameronhospital.org/\">Dameron Hospital\u003c/a> in Stockton, now also being managed by Adventist Health, will be loaned $29 million.\u003c/li>\n\u003c/ul>\n\u003ch2>Vulnerable California hospitals\u003c/h2>\n\u003cp>Most California hospitals are part of large networks that can navigate turbulent financial periods. A number of community and independent hospitals have struggled for years, especially after the peak of the pandemic. Some recently reduced services or laid off staff.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More on Health Care ","tag":"health-care"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Hospitals have pointed to a number of factors for their distressed state — increased labor costs, and inadequate reimbursement from public insurance programs, Medicare and Medi-Cal, and in \u003ca href=\"https://fresnoland.org/2023/03/01/reimbursements-rates-madera-hospital-closure/\">some cases private insurance.\u003c/a>\u003c/p>\n\u003cp>Some hospitals began to ask the state for help late last year, but the closure of Madera Community Hospital prompted more urgency from lawmakers. It shut its doors after Trinity Health, a large Catholic health system, pulled out of negotiations to purchase the hospital.\u003c/p>\n\u003cp>Madera Community Hospital in the San Joaquin Valley was the only general acute care hospital in the county of about 160,000 people. The closest emergency rooms are about \u003ca href=\"https://www.fresnobee.com/news/local/article272712840.html\">30 and 40 minutes drive away in Fresno and Merced\u003c/a>.\u003c/p>\n\u003cp>The Distressed Hospital Loan Program closes at the end of 2031. Hospitals will get an 18-month grace period and then will have to repay loans over a six-year period.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11959175/17-california-hospitals-accept-millions-interest-free-loans","authors":["byline_news_11959175"],"categories":["news_457","news_8"],"tags":["news_29464","news_2632","news_33026","news_18538","news_29546","news_37","news_33025","news_18659","news_4032","news_33024"],"affiliates":["news_18481"],"featImg":"news_11959187","label":"news_18481"},"news_11813345":{"type":"posts","id":"news_11813345","meta":{"index":"posts_1591205157","site":"news","id":"11813345","score":null,"sort":[1587502785000]},"guestAuthors":[],"slug":"publicly-traded-firms-get-300m-in-small-business-loans","title":"Large, Publicly Traded Firms Get $300M in Loans Meant for Small Businesses","publishDate":1587502785,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>Companies with thousands of employees, past penalties from government investigations and risks of financial failure even before \u003ca href=\"https://apnews.com/VirusOutbreak\">the coronavirus\u003c/a> walloped the economy were among those receiving millions of dollars from a relief fund that Congress created to help small businesses through the crisis, an Associated Press investigation found.\u003c/p>\n\u003cp>The Paycheck Protection Program was supposed to infuse small businesses, which typically have less access to quick cash and credit, with $349 billion in emergency loans that could help keep workers on the job and bills paid on time.\u003c/p>\n\u003cp>But at least 75 companies that received the aid were publicly traded, the AP found, and some had market values well over $100 million. And 25% of the companies had warned investors months ago — while the economy was humming along — that their ability to remain viable was in question.\u003c/p>\n\u003cp>[pullquote]\u003cstrong>Bay Area Public Companies Get Big Loans\u003c/strong>\u003c/p>\n\u003cul>\n\u003cli>Quantum Corp.: $10 million loan\u003cbr>\nThe San Jose-based company with 800 employees stores and manages video data.\u003c/li>\n\u003cli>Identiv, Inc.: $2.9 million loan\u003cbr>\nThe Fremont-based company specializes in electronic security for devices.[/pullquote]\u003c/li>\n\u003c/ul>\n\u003cp>By combing through thousands of regulatory filings, the AP identified the 75 companies as recipients of a combined $300 million in low-interest, taxpayer-backed loans. This includes Quantum Corp., a San Jose-based software company, and Identiv, Inc., a Fremont-based company specializing in electronic security for devices.\u003c/p>\n\u003cp>Eight companies, or their subsidiaries, received the maximum $10 million possible, including Quantum Corp. — which also settled a Securities and Exchange Commission investigation late last year into accounting errors that overstated its revenue.\u003c/p>\n\u003cp>The eight firms getting maximum loans are likely just a tip of the iceberg: Statistics released last week by \u003ca href=\"https://apnews.com/53954f808f0652463d58728ad64cd5b3\">the U.S. Small Business Administration\u003c/a> showed that 4,400 of the approved loans exceeded $5 million. Overall, the size of the typical loan nationally was $206,000, according to the statistics. The SBA will forgive the loans if companies meet certain benchmarks, such as keeping employees on payroll for eight weeks.\u003c/p>\n\u003cp>The list of recipients identified by the AP is a fraction of the 1.6 million loans that lenders approved before the program was depleted last week, but it is the most complete public accounting to date. Neither the Trump administration nor the lending industry has disclosed a list of Paycheck Protection Program beneficiaries.\u003c/p>\n\u003cp>Representatives of the SBA, which is overseeing the program, did not respond to a request for comment late Monday. But last Friday, Treasury Secretary Steven Mnuchin said in a written statement that most of the loans, 74%, were for less than $150,000 and that demonstrated “the accessibility of this program to even the smallest of small businesses.”\u003c/p>\n\u003cp>President Trump, asked Monday whether the criteria for who can receive loans should change, said that “we’ll look at individual things and some people will have to return it if we think it’s inappropriate.” He added that the loans are supposed to be awarded, in part, by \"what we think is right.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>On Tuesday, the White House referred questions to the SBA and Treasury Department.\u003c/p>\n\u003cp>The AP analysis comes as lawmakers from both political parties negotiate \u003ca href=\"https://apnews.com/347c3791a921a62cd5c0782ebd6cf2af\">an additional relief package\u003c/a> that in large part would replenish the Paycheck Protection Program with more than $300 billion. Agreement was reached on major elements of the nearly $500 billion aid package for small businesses, including more help for hospitals and virus testing, said Senate Democratic Leader Chuck Schumer. He said he thought it would pass Tuesday.\u003c/p>\n\u003cp>AP’s review also found examples of companies that had foreign owners and that were delisted from U.S. stock exchanges, or threatened with removal, because of their poor stock performance before the coronavirus caused a downturn. Other companies have had annual losses for years.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Michael Minnis, who has studied the SBA program as an accounting professor at the University of Chicago Booth School of Business\"]'There’s a fundamental trade-off here between speed and targeting this in the absolute best way.'[/pullquote]\u003c/p>\n\u003cp>Wave Life Sciences USA Inc., a Boston-area biotechnology company that develops new pharmaceuticals, received a $7.2 million loan. Weeks earlier, Wave Life Sciences, whose parent company is based in Singapore, disclosed in its annual report net losses of $102 million, $147 million and $194 million during the last three fiscal years.\u003c/p>\n\u003cp>“We currently have no products on the market and expect that it may be many years, if ever, before we have a product candidate ready for commercialization,” it wrote.\u003c/p>\n\u003cp>In an emailed statement Monday, the company said: “The livelihood of our U.S. employees and their families would be severely disrupted if they were to lose their jobs or be furloughed. We are doing everything we can to support them.”\u003c/p>\n\u003cp>Michael Minnis, who has studied the SBA program as an accounting professor at the University of Chicago Booth School of Business, said he understood the frustrations of smaller businesses that have not received funding when publicly listed companies have. But he said it would be hard to go into the program and change the parameters now.\u003c/p>\n\u003cp>“There’s a fundamental trade-off here between speed and targeting this in the absolute best way,\" he said.\u003c/p>\n\u003cp>Minnis estimates the program might need to dispense $720 billion to meet demand.\u003c/p>\n\u003cp>Since launching April 3, the relief package has faced criticism about \u003ca href=\"https://apnews.com/86bd1e6aa3e832452fc4217e3a3b01c3\">slow loan processing\u003c/a>, unclear rules and limited funding that left many mom-and-pop businesses without help.\u003c/p>\n\u003cp>News that the $1.6 billion Shake Shack burger empire had received a maximum $10 million loan, disclosed in a filing Friday, ignited public anger. Company executives said late Sunday they would return the money after finding other sources of capital.\u003c/p>\n\u003cp>By design, the Paycheck Protection Program was meant to get money out quickly to as many small businesses as possible, using a formula based in part on workforce and payroll size. Some of the eligibility criteria was expanded making it possible for some businesses with more than 500 employees to qualify if, for example, they met certain size standards for their industries or other conditions.\u003c/p>\n\u003cp>The owners behind large restaurant chains like Potbelly, Ruth’s Chris Steak House and Taco Cabana were able to qualify and get the maximum $10 million in loans despite employing thousands of workers.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Quantum Corp. spokesman Bob Wientzen\"]'[Without the loan] we would most certainly be forced to reduce headcount. We owe it to our employees — who’ve stuck with us through a long and difficult turnaround — to do everything we can to save their jobs during this crisis.'[/pullquote]\u003c/p>\n\u003cp>Some other big companies that received loans appeared to have enough cash on hand to survive the economic downturn. New York City-based Lindblad Expeditions Holdings, for example, a cruise ship and travel company with 650 workers and a branding deal with National Geographic, got a $6.6 million loan. At the end of March, the business reported having about $137 million in cash on its balance sheet.\u003c/p>\n\u003cp>“When this crisis hit, we had two business planning cases: 1) substantial layoffs and furloughs or 2) receiving these funds and not impacting our employees,” spokeswoman Audrey Chang wrote in an email. “Lindblad is the very rare travel company that has not imposed any layoffs, furloughs or salary reductions to date.”\u003c/p>\n\u003cp>Five of the companies that the AP identified were previously under investigation by financial and other regulators, including firms that paid penalties to resolve allegations, records show.\u003c/p>\n\u003cp>Quantum Corp., the video data storage company based in San Jose with a workforce of 800, paid a $1 million penalty last December over allegations that accounting errors resulted in overstated revenues. Quantum received a maximum $10 million loan.\u003c/p>\n\u003cp>Without that loan, “we would most certainly be forced to reduce headcount. We owe it to our employees — who’ve stuck with us through a long and difficult turnaround — to do everything we can to save their jobs during this crisis,” company spokesman Bob Wientzen wrote in an email.\u003c/p>\n\u003cp>Broadwind Energy, a suburban Chicago maker of wind turbines that employs about 520, agreed to pay a $1 million penalty five years ago after the SEC accused it of failing to inform investors that reduced business from two major customers had caused “substantial declines” in its long-term financial prospects. Broadwind, which could not be immediately reached, received $9.5 million from the loan program.\u003c/p>\n\u003cp>Marrone Bio Innovations, a biopesticide company in Davis, California, that has about 50 workers, similarly agreed to pay $1.8 million in 2016 after the SEC alleged its chief operating officer had inflated financial results to hit projections that it would double revenues during its first year as a public company. Marrone received a loan worth $1.7 million.\u003c/p>\n\u003cp>Pam Marrone, the chief executive, said the company “shouldn't be punished” for what happened with the SEC because it has had clean audits for years now. She described the investigation as a “body blow\" that cost it investors and drove its stock price under $1. She said it has had to take on $40 million in debt and is still digging itself out of the financial hole.\u003c/p>\n\u003cp>“People don't realize how tough it is to be a small public company like us that's not yet profitable,\" she said. \"We can't just go to investors and say, ‘OK, open up your wallets.' “\u003c/p>\n\u003cp>The AP analysis found that about 1 in 4 of the companies, in fact, had warned investors months ago that they or their auditors had significant doubts about their ability to remain viable and meet their financial obligations despite the booming economy at the time.\u003c/p>\n\u003cp>One was Helius Medical Technologies, a company located near Philadelphia that develops technology to help injured brains heal themselves.\u003c/p>\n\u003cp>The company has 19 employees and received a $323,000 loan amid a tough stretch. Its most recent annual report warned, “We may be unable to continue to operate without the threat of liquidation for the foreseeable future” and did not expect to have enough cash to go beyond May.\u003c/p>\n\u003cp>In an interview, President and CEO Phil Deschamps said the company was able to raise enough capital earlier this year that, when paired with the loan, it can survive to early summer — when it expects to have filed for U.S. Food and Drug Administration approval for its device. Without the federal money, he said, the company would have lost scientists and attorneys who help prepare regulatory submissions.\u003c/p>\n\u003cp>Deschamps said his company followed the same rules and applied like any other, and that its device could help thousands of people in the future. But he also understands why some people might question giving money to publicly traded firms.\u003c/p>\n\u003cp>“If we didn’t qualify for whatever reason, we would have walked away and figured out another way to do it,\" he said.\u003c/p>\n\u003cp>Another company that was facing financial doubts before the virus was Enservco Corp., a Denver-based oil and gas firm. In its annual report filed last month, the company said: “We do not generate adequate revenue to fund our current operations, and we incurred significant net operating losses during the years ended December 31, 2019, and 2018, which raise substantial doubt about our ability to continue as a going concern.”\u003c/p>\n\u003cp>[aside tag=\"coronavirus\" label=\"Related Coverage\"]\u003c/p>\n\u003cp>CEO Ian Dickinson said in an interview that the $1.9 million loan his company received was welcome because he would’ve had to let go more employees than he has without it. Enservco currently has 95 employees, he said.\u003c/p>\n\u003cp>Dickinson said he did not believe concerns about how long the company could survive were raised in the application process with its bank.\u003c/p>\n\u003cp>“At the end of the day, our employees are really no different than the employees of a nonpublic company,” Dickinson said. “These are funds being used to keep folks on payroll and keep food on their tables.”\u003c/p>\n\u003cp>That big companies and ones with questionable records received such precious financial aid during the chaotic last few weeks frustrates Zachary Davis, a Santa Cruz, California, businessman who runs two artisanal ice cream shops, a beachside cafe and a taco bar with partner Kendra Baker.\u003c/p>\n\u003cp>Before a shelter-in-place order in mid-March, the two were expecting their best year to date and were on track to pay off in May the $250,000 loan from the federal government that they used 10 years ago to open their original shop.\u003c/p>\n\u003cp>“We were feeling pretty good about where we were in the world. Now it’s just all turned upside down,” said Davis, who had to lay off 70 workers.\u003c/p>\n\u003cp>Davis says they were recently able to obtain a different $10,000 disaster loan from the federal government to pay off vendors, but he says that it “evaporated within seconds.” Davis and Baker submitted a Paycheck Protection Program application with supporting documents on April 2 but are still waiting.\u003c/p>\n\u003cp>Competing against businesses with hundreds of millions a year in revenue and teams of accountants and lawyers is tough, Davis said, “and if you’re a little guy, chances are you’re going to the back of the line.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"A relief fund Congress created to protect small businesses during the coronavirus pandemic has helped large companies, some with histories of regulatory run-ins and risk of financial failure even before the economy got walloped.","status":"publish","parent":0,"modified":1587514293,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":52,"wordCount":2261},"headData":{"title":"Large, Publicly Traded Firms Get $300M in Loans Meant for Small Businesses | KQED","description":"A relief fund Congress created to protect small businesses during the coronavirus pandemic has helped large companies, some with histories of regulatory run-ins and risk of financial failure even before the economy got walloped.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Large, Publicly Traded Firms Get $300M in Loans Meant for Small Businesses","datePublished":"2020-04-21T20:59:45.000Z","dateModified":"2020-04-22T00:11:33.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11813345 https://ww2.kqed.org/news/?p=11813345","disqusUrl":"https://ww2.kqed.org/news/2020/04/21/publicly-traded-firms-get-300m-in-small-business-loans/","disqusTitle":"Large, Publicly Traded Firms Get $300M in Loans Meant for Small Businesses","source":"Coronavirus","sourceUrl":"https://www.kqed.org/coronavirus","nprByline":"Reese Dunklin, Justin Pritchard, Justin Myers and Krysta Fauria \u003cbr> Associated Press","path":"/news/11813345/publicly-traded-firms-get-300m-in-small-business-loans","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Companies with thousands of employees, past penalties from government investigations and risks of financial failure even before \u003ca href=\"https://apnews.com/VirusOutbreak\">the coronavirus\u003c/a> walloped the economy were among those receiving millions of dollars from a relief fund that Congress created to help small businesses through the crisis, an Associated Press investigation found.\u003c/p>\n\u003cp>The Paycheck Protection Program was supposed to infuse small businesses, which typically have less access to quick cash and credit, with $349 billion in emergency loans that could help keep workers on the job and bills paid on time.\u003c/p>\n\u003cp>But at least 75 companies that received the aid were publicly traded, the AP found, and some had market values well over $100 million. And 25% of the companies had warned investors months ago — while the economy was humming along — that their ability to remain viable was in question.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"\u003cstrong>Bay Area Public Companies Get Big Loans\u003c/strong>\u003c/p>\n\u003cul>\n\u003cli>Quantum Corp.: $10 million loan\u003cbr>\nThe San Jose-based company with 800 employees stores and manages video data.\u003c/li>\n\u003cli>Identiv, Inc.: $2.9 million loan\u003cbr>\nThe Fremont-based company specializes in electronic security for devices.","name":"pullquote","attributes":{"named":{"label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/li>\n\u003c/ul>\n\u003cp>By combing through thousands of regulatory filings, the AP identified the 75 companies as recipients of a combined $300 million in low-interest, taxpayer-backed loans. This includes Quantum Corp., a San Jose-based software company, and Identiv, Inc., a Fremont-based company specializing in electronic security for devices.\u003c/p>\n\u003cp>Eight companies, or their subsidiaries, received the maximum $10 million possible, including Quantum Corp. — which also settled a Securities and Exchange Commission investigation late last year into accounting errors that overstated its revenue.\u003c/p>\n\u003cp>The eight firms getting maximum loans are likely just a tip of the iceberg: Statistics released last week by \u003ca href=\"https://apnews.com/53954f808f0652463d58728ad64cd5b3\">the U.S. Small Business Administration\u003c/a> showed that 4,400 of the approved loans exceeded $5 million. Overall, the size of the typical loan nationally was $206,000, according to the statistics. The SBA will forgive the loans if companies meet certain benchmarks, such as keeping employees on payroll for eight weeks.\u003c/p>\n\u003cp>The list of recipients identified by the AP is a fraction of the 1.6 million loans that lenders approved before the program was depleted last week, but it is the most complete public accounting to date. Neither the Trump administration nor the lending industry has disclosed a list of Paycheck Protection Program beneficiaries.\u003c/p>\n\u003cp>Representatives of the SBA, which is overseeing the program, did not respond to a request for comment late Monday. But last Friday, Treasury Secretary Steven Mnuchin said in a written statement that most of the loans, 74%, were for less than $150,000 and that demonstrated “the accessibility of this program to even the smallest of small businesses.”\u003c/p>\n\u003cp>President Trump, asked Monday whether the criteria for who can receive loans should change, said that “we’ll look at individual things and some people will have to return it if we think it’s inappropriate.” He added that the loans are supposed to be awarded, in part, by \"what we think is right.”\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>On Tuesday, the White House referred questions to the SBA and Treasury Department.\u003c/p>\n\u003cp>The AP analysis comes as lawmakers from both political parties negotiate \u003ca href=\"https://apnews.com/347c3791a921a62cd5c0782ebd6cf2af\">an additional relief package\u003c/a> that in large part would replenish the Paycheck Protection Program with more than $300 billion. Agreement was reached on major elements of the nearly $500 billion aid package for small businesses, including more help for hospitals and virus testing, said Senate Democratic Leader Chuck Schumer. He said he thought it would pass Tuesday.\u003c/p>\n\u003cp>AP’s review also found examples of companies that had foreign owners and that were delisted from U.S. stock exchanges, or threatened with removal, because of their poor stock performance before the coronavirus caused a downturn. Other companies have had annual losses for years.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'There’s a fundamental trade-off here between speed and targeting this in the absolute best way.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Michael Minnis, who has studied the SBA program as an accounting professor at the University of Chicago Booth School of Business","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Wave Life Sciences USA Inc., a Boston-area biotechnology company that develops new pharmaceuticals, received a $7.2 million loan. Weeks earlier, Wave Life Sciences, whose parent company is based in Singapore, disclosed in its annual report net losses of $102 million, $147 million and $194 million during the last three fiscal years.\u003c/p>\n\u003cp>“We currently have no products on the market and expect that it may be many years, if ever, before we have a product candidate ready for commercialization,” it wrote.\u003c/p>\n\u003cp>In an emailed statement Monday, the company said: “The livelihood of our U.S. employees and their families would be severely disrupted if they were to lose their jobs or be furloughed. We are doing everything we can to support them.”\u003c/p>\n\u003cp>Michael Minnis, who has studied the SBA program as an accounting professor at the University of Chicago Booth School of Business, said he understood the frustrations of smaller businesses that have not received funding when publicly listed companies have. But he said it would be hard to go into the program and change the parameters now.\u003c/p>\n\u003cp>“There’s a fundamental trade-off here between speed and targeting this in the absolute best way,\" he said.\u003c/p>\n\u003cp>Minnis estimates the program might need to dispense $720 billion to meet demand.\u003c/p>\n\u003cp>Since launching April 3, the relief package has faced criticism about \u003ca href=\"https://apnews.com/86bd1e6aa3e832452fc4217e3a3b01c3\">slow loan processing\u003c/a>, unclear rules and limited funding that left many mom-and-pop businesses without help.\u003c/p>\n\u003cp>News that the $1.6 billion Shake Shack burger empire had received a maximum $10 million loan, disclosed in a filing Friday, ignited public anger. Company executives said late Sunday they would return the money after finding other sources of capital.\u003c/p>\n\u003cp>By design, the Paycheck Protection Program was meant to get money out quickly to as many small businesses as possible, using a formula based in part on workforce and payroll size. Some of the eligibility criteria was expanded making it possible for some businesses with more than 500 employees to qualify if, for example, they met certain size standards for their industries or other conditions.\u003c/p>\n\u003cp>The owners behind large restaurant chains like Potbelly, Ruth’s Chris Steak House and Taco Cabana were able to qualify and get the maximum $10 million in loans despite employing thousands of workers.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'[Without the loan] we would most certainly be forced to reduce headcount. We owe it to our employees — who’ve stuck with us through a long and difficult turnaround — to do everything we can to save their jobs during this crisis.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Quantum Corp. spokesman Bob Wientzen","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Some other big companies that received loans appeared to have enough cash on hand to survive the economic downturn. New York City-based Lindblad Expeditions Holdings, for example, a cruise ship and travel company with 650 workers and a branding deal with National Geographic, got a $6.6 million loan. At the end of March, the business reported having about $137 million in cash on its balance sheet.\u003c/p>\n\u003cp>“When this crisis hit, we had two business planning cases: 1) substantial layoffs and furloughs or 2) receiving these funds and not impacting our employees,” spokeswoman Audrey Chang wrote in an email. “Lindblad is the very rare travel company that has not imposed any layoffs, furloughs or salary reductions to date.”\u003c/p>\n\u003cp>Five of the companies that the AP identified were previously under investigation by financial and other regulators, including firms that paid penalties to resolve allegations, records show.\u003c/p>\n\u003cp>Quantum Corp., the video data storage company based in San Jose with a workforce of 800, paid a $1 million penalty last December over allegations that accounting errors resulted in overstated revenues. Quantum received a maximum $10 million loan.\u003c/p>\n\u003cp>Without that loan, “we would most certainly be forced to reduce headcount. We owe it to our employees — who’ve stuck with us through a long and difficult turnaround — to do everything we can to save their jobs during this crisis,” company spokesman Bob Wientzen wrote in an email.\u003c/p>\n\u003cp>Broadwind Energy, a suburban Chicago maker of wind turbines that employs about 520, agreed to pay a $1 million penalty five years ago after the SEC accused it of failing to inform investors that reduced business from two major customers had caused “substantial declines” in its long-term financial prospects. Broadwind, which could not be immediately reached, received $9.5 million from the loan program.\u003c/p>\n\u003cp>Marrone Bio Innovations, a biopesticide company in Davis, California, that has about 50 workers, similarly agreed to pay $1.8 million in 2016 after the SEC alleged its chief operating officer had inflated financial results to hit projections that it would double revenues during its first year as a public company. Marrone received a loan worth $1.7 million.\u003c/p>\n\u003cp>Pam Marrone, the chief executive, said the company “shouldn't be punished” for what happened with the SEC because it has had clean audits for years now. She described the investigation as a “body blow\" that cost it investors and drove its stock price under $1. She said it has had to take on $40 million in debt and is still digging itself out of the financial hole.\u003c/p>\n\u003cp>“People don't realize how tough it is to be a small public company like us that's not yet profitable,\" she said. \"We can't just go to investors and say, ‘OK, open up your wallets.' “\u003c/p>\n\u003cp>The AP analysis found that about 1 in 4 of the companies, in fact, had warned investors months ago that they or their auditors had significant doubts about their ability to remain viable and meet their financial obligations despite the booming economy at the time.\u003c/p>\n\u003cp>One was Helius Medical Technologies, a company located near Philadelphia that develops technology to help injured brains heal themselves.\u003c/p>\n\u003cp>The company has 19 employees and received a $323,000 loan amid a tough stretch. Its most recent annual report warned, “We may be unable to continue to operate without the threat of liquidation for the foreseeable future” and did not expect to have enough cash to go beyond May.\u003c/p>\n\u003cp>In an interview, President and CEO Phil Deschamps said the company was able to raise enough capital earlier this year that, when paired with the loan, it can survive to early summer — when it expects to have filed for U.S. Food and Drug Administration approval for its device. Without the federal money, he said, the company would have lost scientists and attorneys who help prepare regulatory submissions.\u003c/p>\n\u003cp>Deschamps said his company followed the same rules and applied like any other, and that its device could help thousands of people in the future. But he also understands why some people might question giving money to publicly traded firms.\u003c/p>\n\u003cp>“If we didn’t qualify for whatever reason, we would have walked away and figured out another way to do it,\" he said.\u003c/p>\n\u003cp>Another company that was facing financial doubts before the virus was Enservco Corp., a Denver-based oil and gas firm. In its annual report filed last month, the company said: “We do not generate adequate revenue to fund our current operations, and we incurred significant net operating losses during the years ended December 31, 2019, and 2018, which raise substantial doubt about our ability to continue as a going concern.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"coronavirus","label":"Related Coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>CEO Ian Dickinson said in an interview that the $1.9 million loan his company received was welcome because he would’ve had to let go more employees than he has without it. Enservco currently has 95 employees, he said.\u003c/p>\n\u003cp>Dickinson said he did not believe concerns about how long the company could survive were raised in the application process with its bank.\u003c/p>\n\u003cp>“At the end of the day, our employees are really no different than the employees of a nonpublic company,” Dickinson said. “These are funds being used to keep folks on payroll and keep food on their tables.”\u003c/p>\n\u003cp>That big companies and ones with questionable records received such precious financial aid during the chaotic last few weeks frustrates Zachary Davis, a Santa Cruz, California, businessman who runs two artisanal ice cream shops, a beachside cafe and a taco bar with partner Kendra Baker.\u003c/p>\n\u003cp>Before a shelter-in-place order in mid-March, the two were expecting their best year to date and were on track to pay off in May the $250,000 loan from the federal government that they used 10 years ago to open their original shop.\u003c/p>\n\u003cp>“We were feeling pretty good about where we were in the world. Now it’s just all turned upside down,” said Davis, who had to lay off 70 workers.\u003c/p>\n\u003cp>Davis says they were recently able to obtain a different $10,000 disaster loan from the federal government to pay off vendors, but he says that it “evaporated within seconds.” Davis and Baker submitted a Paycheck Protection Program application with supporting documents on April 2 but are still waiting.\u003c/p>\n\u003cp>Competing against businesses with hundreds of millions a year in revenue and teams of accountants and lawyers is tough, Davis said, “and if you’re a little guy, chances are you’re going to the back of the line.”\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/11813345/publicly-traded-firms-get-300m-in-small-business-loans","authors":["byline_news_11813345"],"categories":["news_1758","news_8","news_13"],"tags":["news_27350","news_1323","news_4032","news_27814","news_20920"],"featImg":"news_11813367","label":"source_news_11813345"},"news_11810146":{"type":"posts","id":"news_11810146","meta":{"index":"posts_1591205157","site":"news","id":"11810146","score":null,"sort":[1585843218000]},"guestAuthors":[],"slug":"need-money-during-the-coronavirus-pandemic-how-to-avoid-loan-sharks-and-debt-traps","title":"Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps","publishDate":1585843218,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>As millions of Americans lose jobs, shifts and other sources of income during the coronavirus crisis, financial experts worry that people will be preyed upon by loan sharks who stand to profit.\u003c/p>\n\u003cp>“We saw this during the foreclosure crisis, where people were in distress and scammers took advantage to promise to help people connect to relief for a fee they could not afford,” said Kevin Stein, deputy director of the \u003ca href=\"http://calreinvest.org/\" target=\"_blank\" rel=\"noopener noreferrer\">California Reinvestment Coalition\u003c/a>, a San Francisco-based nonprofit that advocates for protecting consumers.\u003c/p>\n\u003cp>In 2018, there were 133 payday lenders in the central San Joaquin Valley, according to California records. \u003ca href=\"https://www.fresnobee.com/news/local/article225987760.html\" target=\"_blank\" rel=\"noopener noreferrer\">But there were nearly 198 of them 10 years earlier\u003c/a>, when the valley began feeling the effects of the 2008 recession and spiking unemployment.\u003c/p>\n\u003cp>Statewide, California has 1,645 licensed locations offering payday loans, according to the \u003ca href=\"https://dbo.ca.gov/wp-content/uploads/sites/296/2019/08/CA-Payday-Loans-Annual-Report-2018-FINAL-8-8-19.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Business Oversight\u003c/a>, and the number has declined by a quarter over the past decade.\u003c/p>\n\u003cp>Payday lenders in California under state law can loan up to $300 and charge a maximum of $45 in fees, according to the \u003ca href=\"https://dbo.ca.gov/2019/08/08/california-payday-loan-industry-appears-to-be-moving-toward-larger-consumer-installment-loans/\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Business Oversight\u003c/a>. The average annual percentage rate (APR) for payday loans in the state was 376% last year, which is far greater than the APR for most credit cards.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The payday loan industry says its businesses provide a needed service at an affordable cost. But advocates argue they prey on financially vulnerable families. \u003ca href=\"https://www.fresnobee.com/news/local/article225987760.html\" target=\"_blank\" rel=\"noopener noreferrer\">Most payday loan offices in California are located in ZIP codes with above-average poverty rates.\u003c/a>\u003c/p>\n\u003cp>A weekly record number of Californians, \u003ca href=\"https://www.fresnobee.com/news/coronavirus/article241528921.html\" target=\"_blank\" rel=\"noopener noreferrer\">almost 187,000\u003c/a>, filed initial claims for unemployment insurance last week, according to the U.S. Department of Labor.\u003c/p>\n\u003cp>By June, private-sector job losses could climb to more than 55,000, or 11% to 12% of employment in the central San Joaquin Valley, according to a Sacramento Bee analysis of a recent \u003ca href=\"https://www.epi.org/blog/states-are-projected-to-lose-more-jobs-due-to-the-coronavirus-14-million-jobs-could-be-lost-by-summer/\" target=\"_blank\" rel=\"noopener noreferrer\">Economic Policy Institute study\u003c/a>.\u003c/p>\n\u003cp>“We’re facing one of the worst unemployment crises we’ve ever seen,” said Adam Briones, director of economic equity at the Greenlining Institute in Oakland. “I think it goes without saying that when families are in crisis, those payday lenders are some of the easiest ways to get money quickly. It’s really tough to get out of that debt though.”\u003c/p>\n\u003cp>A new law enacted last year caps interest rates at 36% for loans from $2,500 to $10,000, but it doesn’t apply to payday lenders, only larger lenders.\u003c/p>\n\u003cp>If you were recently laid off and need a loan, experts have advice on how to get help without falling into a debt trap.\u003c/p>\n\u003ch3>Go to Your Bank or Credit Union First\u003c/h3>\n\u003cp>If you’re struggling to make a payment, contact your lending institution first. Rosa Pereirra, branch manager of Self-Help Federal Credit Union in Fresno, said they have allowed all their members to skip their payments in April like they sometimes do during the holidays.\u003c/p>\n\u003cp>“I would beg the public to call the institution they already owe the payment to because a lot of them get frantic,” Pereirra said. “We’re telling them, take care of yourself, stay home. I can promise you 99% of lenders have a way they can help people skip their payment.”\u003c/p>\n\u003cp>Banks including Wells Fargo, Citi, Chase and Capital One are \u003ca href=\"https://www.nfcc.org/resources/blog/credit-card-issuers-offer-customer-assistance-in-response-to-coronavirus/\" target=\"_blank\" rel=\"noopener noreferrer\">encouraging cash-strapped customers to contact them to see what they can work out\u003c/a>. Many can offer hardship plans, which could mean lower interest rates or smaller fees.\u003c/p>\n\u003cp>Briones, from Greenlining, said banks may not offer hardship plans offhand, so clients should do their research first, and ask for what they need. For additional resources, seek out the \u003ca href=\"https://www.consumerfinance.gov/find-a-housing-counselor/\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Housing and Urban Development-approved\u003c/a> housing counselors or credit counselors from nonprofit organizations.\u003c/p>\n\u003cp>\u003ca href=\"https://www.fdic.gov/news/news/press/2020/pr20039.html\" target=\"_blank\" rel=\"noopener noreferrer\">Regulators are also responding to this pandemic\u003c/a> by asking large banks and community development financial institutions to start offering small-dollar loans. Briones said clients should ask their banks for a small loan before resorting to a payday lender.\u003c/p>\n\u003cp>“Wherever we’ve seen payday lending it does lend itself to predatory lenders. But if it is large national banks making small-dollar loans, at the very least there is a regulatory aspect. There’s a structure there,” he said. “Where we worry the most is non-bank lenders that aren’t regulated at the federal level and have much less accountability than large national lenders.”\u003c/p>\n\u003cp>If lenders ask for a canceled check, that’s a red flag, according to Pereirra from Self-Help Federal Credit Union. “Most banks and credit unions are able to make a direct deposit. A lot of predatory lenders go ahead and want to have access to your account. With a check, they have the routing number and account number so they can try to pull it several times.”\u003c/p>\n\u003cp>Pereirra said small loans typically should run between 2.5% to 10%. If a rate exceeds 20%, she encouraged consumers to reach out to a credit union for refinancing help.\u003c/p>\n\u003cp>“I just saw one at 480% APR,” Pereirra said. “A lot of times we’re able to pay their high rate loans off.” The Consumer Financial Protection Bureau has also created \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/\" target=\"_blank\" rel=\"noopener noreferrer\">multiple guides on navigating loans and debts.\u003c/a>\u003c/p>\n\u003ch3>Coronavirus Aid Available\u003c/h3>\n\u003cp>President Trump signed a \u003ca href=\"https://www.mcclatchydc.com/latest-news/article241555311.html\" target=\"_blank\" rel=\"noopener noreferrer\">$2 trillion coronavirus stimulus bill\u003c/a> on Friday with significant relief for families and small businesses. Individuals who filed their 2018 or 2019 taxes can receive a check of up to $1,200, plus $500 for each child. \u003ca href=\"https://www.fresnobee.com/news/coronavirus/article241517496.html?ac_cid=DM162480&ac_bid=293848695\" target=\"_blank\" rel=\"noopener noreferrer\">You can calculate how much you receive here.\u003c/a>\u003c/p>\n\u003cp>For many, advocates argue, that won’t be enough to cover rent or other expenses.\u003c/p>\n\u003cp>“We’re really concerned because we feel that for an economic recovery package to make an impact, those funds need to be consistent. We think families are going to need 12 to 24 months of payments to make it out of this economic fallout,” Briones said.\u003c/p>\n\u003cp>For now, however, that payment is a one-time deal.\u003c/p>\n\u003cp>The stimulus also includes $10,000 loans for injury disaster relief through the Small Business Administration to provide paid sick leave to employees, maintain payroll and make rent or mortgage payments. \u003ca href=\"https://covid19relief.sba.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">You can apply through SBA\u003c/a>.\u003c/p>\n\u003cp>“This is a historic move on the part of SBA,” said Tara Lynn Gray, Fresno Metro Black Chamber of Commerce president. “You can apply for the loan, not yet have an answer and within three days get $10,000. If you end up not qualifying, they don’t come after you for $10,000. That is unheard of for small businesses. And SBA loans are very difficult for us to get. Most people of color struggle greatly to get those loans.”\u003c/p>\n\u003cp>\u003cem>The \u003ca href=\"https://www.fmbcc.com/post/help-for-cv-small-businesses-covid-19-update\" target=\"_blank\" rel=\"noopener noreferrer\">Fresno Metro Black Chamber of Commerce\u003c/a> and \u003ca href=\"https://www.downtownfresno.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Downtown Fresno Partnership\u003c/a> have listed other resources for small businesses on their websites.\u003c/em>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>Manuela Tobias is a journalist at The Fresno Bee. This article is part of The California Divide, a collaboration among newsrooms examining income inequity and economic survival in California.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"“When families are in crisis, those payday lenders are some of the easiest ways to get money quickly. It’s really tough to get out of that debt though,” said Adam Briones who works for the Greenlining Institute in Oakland. ","status":"publish","parent":0,"modified":1587434614,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":30,"wordCount":1188},"headData":{"title":"Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps | KQED","description":"“When families are in crisis, those payday lenders are some of the easiest ways to get money quickly. It’s really tough to get out of that debt though,” said Adam Briones who works for the Greenlining Institute in Oakland. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps","datePublished":"2020-04-02T16:00:18.000Z","dateModified":"2020-04-21T02:03:34.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11810146 https://ww2.kqed.org/news/?p=11810146","disqusUrl":"https://ww2.kqed.org/news/2020/04/02/need-money-during-the-coronavirus-pandemic-how-to-avoid-loan-sharks-and-debt-traps/","disqusTitle":"Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps","source":"coronavirus","sourceUrl":"https://www.kqed.org/coronavirus","nprByline":"Manuela Tobias, The Fresno Bee","path":"/news/11810146/need-money-during-the-coronavirus-pandemic-how-to-avoid-loan-sharks-and-debt-traps","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>As millions of Americans lose jobs, shifts and other sources of income during the coronavirus crisis, financial experts worry that people will be preyed upon by loan sharks who stand to profit.\u003c/p>\n\u003cp>“We saw this during the foreclosure crisis, where people were in distress and scammers took advantage to promise to help people connect to relief for a fee they could not afford,” said Kevin Stein, deputy director of the \u003ca href=\"http://calreinvest.org/\" target=\"_blank\" rel=\"noopener noreferrer\">California Reinvestment Coalition\u003c/a>, a San Francisco-based nonprofit that advocates for protecting consumers.\u003c/p>\n\u003cp>In 2018, there were 133 payday lenders in the central San Joaquin Valley, according to California records. \u003ca href=\"https://www.fresnobee.com/news/local/article225987760.html\" target=\"_blank\" rel=\"noopener noreferrer\">But there were nearly 198 of them 10 years earlier\u003c/a>, when the valley began feeling the effects of the 2008 recession and spiking unemployment.\u003c/p>\n\u003cp>Statewide, California has 1,645 licensed locations offering payday loans, according to the \u003ca href=\"https://dbo.ca.gov/wp-content/uploads/sites/296/2019/08/CA-Payday-Loans-Annual-Report-2018-FINAL-8-8-19.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Business Oversight\u003c/a>, and the number has declined by a quarter over the past decade.\u003c/p>\n\u003cp>Payday lenders in California under state law can loan up to $300 and charge a maximum of $45 in fees, according to the \u003ca href=\"https://dbo.ca.gov/2019/08/08/california-payday-loan-industry-appears-to-be-moving-toward-larger-consumer-installment-loans/\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Business Oversight\u003c/a>. The average annual percentage rate (APR) for payday loans in the state was 376% last year, which is far greater than the APR for most credit cards.\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 payday loan industry says its businesses provide a needed service at an affordable cost. But advocates argue they prey on financially vulnerable families. \u003ca href=\"https://www.fresnobee.com/news/local/article225987760.html\" target=\"_blank\" rel=\"noopener noreferrer\">Most payday loan offices in California are located in ZIP codes with above-average poverty rates.\u003c/a>\u003c/p>\n\u003cp>A weekly record number of Californians, \u003ca href=\"https://www.fresnobee.com/news/coronavirus/article241528921.html\" target=\"_blank\" rel=\"noopener noreferrer\">almost 187,000\u003c/a>, filed initial claims for unemployment insurance last week, according to the U.S. Department of Labor.\u003c/p>\n\u003cp>By June, private-sector job losses could climb to more than 55,000, or 11% to 12% of employment in the central San Joaquin Valley, according to a Sacramento Bee analysis of a recent \u003ca href=\"https://www.epi.org/blog/states-are-projected-to-lose-more-jobs-due-to-the-coronavirus-14-million-jobs-could-be-lost-by-summer/\" target=\"_blank\" rel=\"noopener noreferrer\">Economic Policy Institute study\u003c/a>.\u003c/p>\n\u003cp>“We’re facing one of the worst unemployment crises we’ve ever seen,” said Adam Briones, director of economic equity at the Greenlining Institute in Oakland. “I think it goes without saying that when families are in crisis, those payday lenders are some of the easiest ways to get money quickly. It’s really tough to get out of that debt though.”\u003c/p>\n\u003cp>A new law enacted last year caps interest rates at 36% for loans from $2,500 to $10,000, but it doesn’t apply to payday lenders, only larger lenders.\u003c/p>\n\u003cp>If you were recently laid off and need a loan, experts have advice on how to get help without falling into a debt trap.\u003c/p>\n\u003ch3>Go to Your Bank or Credit Union First\u003c/h3>\n\u003cp>If you’re struggling to make a payment, contact your lending institution first. Rosa Pereirra, branch manager of Self-Help Federal Credit Union in Fresno, said they have allowed all their members to skip their payments in April like they sometimes do during the holidays.\u003c/p>\n\u003cp>“I would beg the public to call the institution they already owe the payment to because a lot of them get frantic,” Pereirra said. “We’re telling them, take care of yourself, stay home. I can promise you 99% of lenders have a way they can help people skip their payment.”\u003c/p>\n\u003cp>Banks including Wells Fargo, Citi, Chase and Capital One are \u003ca href=\"https://www.nfcc.org/resources/blog/credit-card-issuers-offer-customer-assistance-in-response-to-coronavirus/\" target=\"_blank\" rel=\"noopener noreferrer\">encouraging cash-strapped customers to contact them to see what they can work out\u003c/a>. Many can offer hardship plans, which could mean lower interest rates or smaller fees.\u003c/p>\n\u003cp>Briones, from Greenlining, said banks may not offer hardship plans offhand, so clients should do their research first, and ask for what they need. For additional resources, seek out the \u003ca href=\"https://www.consumerfinance.gov/find-a-housing-counselor/\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Housing and Urban Development-approved\u003c/a> housing counselors or credit counselors from nonprofit organizations.\u003c/p>\n\u003cp>\u003ca href=\"https://www.fdic.gov/news/news/press/2020/pr20039.html\" target=\"_blank\" rel=\"noopener noreferrer\">Regulators are also responding to this pandemic\u003c/a> by asking large banks and community development financial institutions to start offering small-dollar loans. Briones said clients should ask their banks for a small loan before resorting to a payday lender.\u003c/p>\n\u003cp>“Wherever we’ve seen payday lending it does lend itself to predatory lenders. But if it is large national banks making small-dollar loans, at the very least there is a regulatory aspect. There’s a structure there,” he said. “Where we worry the most is non-bank lenders that aren’t regulated at the federal level and have much less accountability than large national lenders.”\u003c/p>\n\u003cp>If lenders ask for a canceled check, that’s a red flag, according to Pereirra from Self-Help Federal Credit Union. “Most banks and credit unions are able to make a direct deposit. A lot of predatory lenders go ahead and want to have access to your account. With a check, they have the routing number and account number so they can try to pull it several times.”\u003c/p>\n\u003cp>Pereirra said small loans typically should run between 2.5% to 10%. If a rate exceeds 20%, she encouraged consumers to reach out to a credit union for refinancing help.\u003c/p>\n\u003cp>“I just saw one at 480% APR,” Pereirra said. “A lot of times we’re able to pay their high rate loans off.” The Consumer Financial Protection Bureau has also created \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/\" target=\"_blank\" rel=\"noopener noreferrer\">multiple guides on navigating loans and debts.\u003c/a>\u003c/p>\n\u003ch3>Coronavirus Aid Available\u003c/h3>\n\u003cp>President Trump signed a \u003ca href=\"https://www.mcclatchydc.com/latest-news/article241555311.html\" target=\"_blank\" rel=\"noopener noreferrer\">$2 trillion coronavirus stimulus bill\u003c/a> on Friday with significant relief for families and small businesses. Individuals who filed their 2018 or 2019 taxes can receive a check of up to $1,200, plus $500 for each child. \u003ca href=\"https://www.fresnobee.com/news/coronavirus/article241517496.html?ac_cid=DM162480&ac_bid=293848695\" target=\"_blank\" rel=\"noopener noreferrer\">You can calculate how much you receive here.\u003c/a>\u003c/p>\n\u003cp>For many, advocates argue, that won’t be enough to cover rent or other expenses.\u003c/p>\n\u003cp>“We’re really concerned because we feel that for an economic recovery package to make an impact, those funds need to be consistent. We think families are going to need 12 to 24 months of payments to make it out of this economic fallout,” Briones said.\u003c/p>\n\u003cp>For now, however, that payment is a one-time deal.\u003c/p>\n\u003cp>The stimulus also includes $10,000 loans for injury disaster relief through the Small Business Administration to provide paid sick leave to employees, maintain payroll and make rent or mortgage payments. \u003ca href=\"https://covid19relief.sba.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">You can apply through SBA\u003c/a>.\u003c/p>\n\u003cp>“This is a historic move on the part of SBA,” said Tara Lynn Gray, Fresno Metro Black Chamber of Commerce president. “You can apply for the loan, not yet have an answer and within three days get $10,000. If you end up not qualifying, they don’t come after you for $10,000. That is unheard of for small businesses. And SBA loans are very difficult for us to get. Most people of color struggle greatly to get those loans.”\u003c/p>\n\u003cp>\u003cem>The \u003ca href=\"https://www.fmbcc.com/post/help-for-cv-small-businesses-covid-19-update\" target=\"_blank\" rel=\"noopener noreferrer\">Fresno Metro Black Chamber of Commerce\u003c/a> and \u003ca href=\"https://www.downtownfresno.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Downtown Fresno Partnership\u003c/a> have listed other resources for small businesses on their websites.\u003c/em>\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>\u003cem>Manuela Tobias is a journalist at The Fresno Bee. This article is part of The California Divide, a collaboration among newsrooms examining income inequity and economic survival in California.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11810146/need-money-during-the-coronavirus-pandemic-how-to-avoid-loan-sharks-and-debt-traps","authors":["byline_news_11810146"],"categories":["news_1758","news_8"],"tags":["news_1386","news_27350","news_27504","news_1761","news_4032","news_23853","news_27808","news_631"],"featImg":"news_11810208","label":"source_news_11810146"},"news_11650543":{"type":"posts","id":"news_11650543","meta":{"index":"posts_1591205157","site":"news","id":"11650543","score":null,"sort":[1518818190000]},"guestAuthors":[],"slug":"california-latinos-make-up-small-fraction-of-mortgage-market","title":"California Latinos Make Up Small Fraction of Mortgage Market","publishDate":1518818190,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>Latinos are the largest ethnic group in California, but a new analysis reveals they make up just a fraction of people applying for conventional home loans and were more likely to be denied loans in two rural Northern California metro areas.\u003c/p>\n\u003cp>A national analysis by Reveal from The Center for Investigative Reporting found Latinos accounted for nearly half of the population in the Los Angeles area in 2015-2016, yet applied for just 18 percent of conventional loan applications.\u003c/p>\n\u003cp>In the Central Valley city of Fresno, Latinos made up more than half of the population but accounted for only a quarter of traditional mortgage applications.\u003c/p>\n\u003cp>The data also showed disparities in two rural Northern California communities: in Chico, when Latinos did apply for such loans, they were nearly 2.5 times more likely than whites to be denied. In Salinas, they were 1.7 times more likely to be denied. The analysis compared applicants with similar incomes, loan amounts and purchasing neighborhood, among other factors. [contextly_sidebar id=\"6DOar0A3fTEazmhpy3uMKvOQ0ZHoHCG3\"]\u003c/p>\n\u003cp>The review of millions of federal records found evidence of redlining — the practice of charging more or denying services based on factors such as race or religion — in dozens of metro hubs across the country 50 years after the federal Fair Housing Act banned racial discrimination in lending.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Redlining makes it harder and more expensive for Latinos to buy homes and build wealth, exacerbating racial and ethnic inequities that have long plagued the country. Additionally, low application numbers for conventional loans mean Latinos are not getting favorable borrowing terms.\u003c/p>\n\u003cp>\"Redlining is not a thing of the past,\" said Dave Rodriguez, president of California LULAC, which stands for the League of United Latin American Citizens.\u003c/p>\n\u003cp>\"Lenders are missing the boat. They still think, in many respects, that we are a high-risk population for loan products, so we get the most expensive products and the most penalties for nonpayment,\" he said.\u003c/p>\n\u003cp>Housing and civil rights advocacy groups say there are legitimate reasons why Latinos, who tend to have lower incomes, made up a lower percentage of conventional loan applications: Homes are pricey in California or they may be relying on federally-backed FHA loans, which are more expensive but easier to get. FHA loans are not factored into Reveal's analysis.\u003c/p>\n\u003cp>But advocates also say the skewed numbers are not surprising given historical hostility toward Latino borrowers.\u003c/p>\n\u003cp>It is hard to prove that lenders are steering Latinos to pricier, unconventional loans, but at the very least, they could do a better job reaching out to Latinos, said Vedika Ahuja, economic equity program manager at The Greenlining Institute, a nonprofit that promotes social and economic justice. [contextly_sidebar id=\"rWWjUSuhvQtjRSqFoXTda6zLkuPzGjy8\"]\u003c/p>\n\u003cp>She said banks and other lenders could check utility and rent payments to determine a person's ability to make payments, rather than rely strictly on credit score and income.\u003c/p>\n\u003cp>\"With more flexible credit scoring methods, credit-worthy Latinos could be qualifying for conventional products that are cheaper,\" she said.\u003c/p>\n\u003cp>In Orange County's Anaheim area, Latinos were 34 percent of the population but 9 percent of applications. In the San Francisco metro region, where the market is notoriously expensive, Latinos made up a quarter of the population but just over 4 percent of loan applications.\u003c/p>\n\u003cp>Gary Acosta, co-founder and CEO of the National Association of Hispanic Real Estate Professionals, said there are legitimate reasons why Latinos may be going with flexible federal FHA loans rather than conventional loans: They tend to be inexperienced first-time home buyers who can't afford high down payments.\u003c/p>\n\u003cp>\"Do I think people intentionally put people in an FHA loan because they're discriminating against them? I'm certain that happens, but it doesn't account for the majority,\" he said. \"It's the path of least resistance.\"\u003c/p>\n\u003cp>Besides Chico and Salinas in California, Reveal found evidence of modern-day redlining in the Vallejo-Fairfield part of the San Francisco Bay Area, where residents have flocked in recent years in search of cheaper homes. African-Americans were 2.6 times more likely than whites to be denied.\u003c/p>\n\u003cp>In all, the Reveal investigation found 61 metro areas across the country where minorities were denied loans at greater rates than whites, even when controlling for income, loan amount, neighborhood and other factors.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Data journalist Angeliki Kastanis in Los Angeles contributed to this story.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"An analysis by Reveal from The Center for Investigative Reporting found Latinos made up a quarter of the population in the Bay Area but just over 4 percent of loan applications.\r\n","status":"publish","parent":0,"modified":1518824102,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":21,"wordCount":727},"headData":{"title":"California Latinos Make Up Small Fraction of Mortgage Market | KQED","description":"An analysis by Reveal from The Center for Investigative Reporting found Latinos made up a quarter of the population in the Bay Area but just over 4 percent of loan applications.\r\n","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Latinos Make Up Small Fraction of Mortgage Market","datePublished":"2018-02-16T21:56:30.000Z","dateModified":"2018-02-16T23:35:02.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11650543 https://ww2.kqed.org/news/?p=11650543","disqusUrl":"https://ww2.kqed.org/news/2018/02/16/california-latinos-make-up-small-fraction-of-mortgage-market/","disqusTitle":"California Latinos Make Up Small Fraction of Mortgage Market","nprByline":"\u003cstrong>Janie Har \u003c/strong>\u003c/br>Associated Press","path":"/news/11650543/california-latinos-make-up-small-fraction-of-mortgage-market","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Latinos are the largest ethnic group in California, but a new analysis reveals they make up just a fraction of people applying for conventional home loans and were more likely to be denied loans in two rural Northern California metro areas.\u003c/p>\n\u003cp>A national analysis by Reveal from The Center for Investigative Reporting found Latinos accounted for nearly half of the population in the Los Angeles area in 2015-2016, yet applied for just 18 percent of conventional loan applications.\u003c/p>\n\u003cp>In the Central Valley city of Fresno, Latinos made up more than half of the population but accounted for only a quarter of traditional mortgage applications.\u003c/p>\n\u003cp>The data also showed disparities in two rural Northern California communities: in Chico, when Latinos did apply for such loans, they were nearly 2.5 times more likely than whites to be denied. In Salinas, they were 1.7 times more likely to be denied. The analysis compared applicants with similar incomes, loan amounts and purchasing neighborhood, among other factors. \u003c/p>\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003cp>The review of millions of federal records found evidence of redlining — the practice of charging more or denying services based on factors such as race or religion — in dozens of metro hubs across the country 50 years after the federal Fair Housing Act banned racial discrimination in lending.\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>Redlining makes it harder and more expensive for Latinos to buy homes and build wealth, exacerbating racial and ethnic inequities that have long plagued the country. Additionally, low application numbers for conventional loans mean Latinos are not getting favorable borrowing terms.\u003c/p>\n\u003cp>\"Redlining is not a thing of the past,\" said Dave Rodriguez, president of California LULAC, which stands for the League of United Latin American Citizens.\u003c/p>\n\u003cp>\"Lenders are missing the boat. They still think, in many respects, that we are a high-risk population for loan products, so we get the most expensive products and the most penalties for nonpayment,\" he said.\u003c/p>\n\u003cp>Housing and civil rights advocacy groups say there are legitimate reasons why Latinos, who tend to have lower incomes, made up a lower percentage of conventional loan applications: Homes are pricey in California or they may be relying on federally-backed FHA loans, which are more expensive but easier to get. FHA loans are not factored into Reveal's analysis.\u003c/p>\n\u003cp>But advocates also say the skewed numbers are not surprising given historical hostility toward Latino borrowers.\u003c/p>\n\u003cp>It is hard to prove that lenders are steering Latinos to pricier, unconventional loans, but at the very least, they could do a better job reaching out to Latinos, said Vedika Ahuja, economic equity program manager at The Greenlining Institute, a nonprofit that promotes social and economic justice. \u003c/p>\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003cp>She said banks and other lenders could check utility and rent payments to determine a person's ability to make payments, rather than rely strictly on credit score and income.\u003c/p>\n\u003cp>\"With more flexible credit scoring methods, credit-worthy Latinos could be qualifying for conventional products that are cheaper,\" she said.\u003c/p>\n\u003cp>In Orange County's Anaheim area, Latinos were 34 percent of the population but 9 percent of applications. In the San Francisco metro region, where the market is notoriously expensive, Latinos made up a quarter of the population but just over 4 percent of loan applications.\u003c/p>\n\u003cp>Gary Acosta, co-founder and CEO of the National Association of Hispanic Real Estate Professionals, said there are legitimate reasons why Latinos may be going with flexible federal FHA loans rather than conventional loans: They tend to be inexperienced first-time home buyers who can't afford high down payments.\u003c/p>\n\u003cp>\"Do I think people intentionally put people in an FHA loan because they're discriminating against them? I'm certain that happens, but it doesn't account for the majority,\" he said. \"It's the path of least resistance.\"\u003c/p>\n\u003cp>Besides Chico and Salinas in California, Reveal found evidence of modern-day redlining in the Vallejo-Fairfield part of the San Francisco Bay Area, where residents have flocked in recent years in search of cheaper homes. African-Americans were 2.6 times more likely than whites to be denied.\u003c/p>\n\u003cp>In all, the Reveal investigation found 61 metro areas across the country where minorities were denied loans at greater rates than whites, even when controlling for income, loan amount, neighborhood and other factors.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Data journalist Angeliki Kastanis in Los Angeles contributed to this story.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11650543/california-latinos-make-up-small-fraction-of-mortgage-market","authors":["byline_news_11650543"],"programs":["news_6944","news_72"],"categories":["news_1758","news_6266","news_8"],"tags":["news_1775","news_4032","news_17286"],"featImg":"news_11650554","label":"news_72"},"news_11617577":{"type":"posts","id":"news_11617577","meta":{"index":"posts_1591205157","site":"news","id":"11617577","score":null,"sort":[1506034559000]},"guestAuthors":[],"slug":"new-rules-would-target-discrimination-in-small-business-lending","title":"New Rules Would Target Discrimination in Small-Business Lending","publishDate":1506034559,"format":"standard","headTitle":"News Fix | KQED News","labelTerm":{"term":6944,"site":"news"},"content":"\u003cp>Banks could be forced to collect and report data on the small-business loans they approve and reject -- including the ethnicity and gender of the business owners -- under new rules being crafted by a federal consumer protection agency. Economists and regulators say the data could help identify whether lenders discriminate against minority- or women-owned businesses.\u003c/p>\n\u003cp>The new rules would aim to \"facilitate enforcement of fair lending laws\" \u003ca href=\"https://www.sec.gov/about/laws/wallstreetreform-cpa.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">as directed by\u003c/a> Section 1071 of the Dodd-Frank Act. Congress approved the major financial reform legislation in direct response to the last financial crisis.\u003c/p>\n\u003cp>Mortgage lenders already collect similar data, which help to \"shed light on lending patterns that could be discriminatory,\" \u003ca href=\"https://www.consumerfinance.gov/data-research/hmda/learn-more\" target=\"_blank\" rel=\"noopener noreferrer\">according\u003c/a> to the Consumer Financial Protection Bureau, the agency tasked with implementing the reporting changes on small-business lending.\u003c/p>\n\u003cp>The American Bankers Association and other organizations representing lenders oppose the CFPB's steps. The ABA has asked Congress to repeal this provision of Dodd-Frank, \u003ca href=\"https://bankingjournal.aba.com/2017/06/aba-wins-extension-on-cfpbs-small-business-lending-request-for-information/\" target=\"_blank\" rel=\"noopener noreferrer\">arguing\u003c/a> the data collection is misguided and could end up reducing access to small-business loans.\u003c/p>\n\u003cp>\"The considerable burdens associated with this data collection and reporting regime would add significant costs and unnecessary red tape to small-business lending, discouraging a primary engine for economic growth,\" said one \u003ca href=\"https://www.aba.com/Advocacy/Testimonies/Documents/ABAStatementfortheRecordSenateHearingJune152017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">letter\u003c/a> the ABA recently submitted to Congress.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>[audio src=\"https://www.kqed.org/.stream/anon/radio/RDnews/2017/09/RomeroBankLoans.mp3\" Image=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-800x549.jpg\" Title=\"New Rules Would Target Discrimination in Small-Business Lending\" program=\"The California Report\"]\u003c/p>\n\u003cp>For business owners, submitting information to lenders would be voluntary.\u003c/p>\n\u003cp>Discrimination against creditors on the basis of race and sex has been \u003ca href=\"https://www.justice.gov/crt/equal-credit-opportunity-act-3\" target=\"_blank\" rel=\"noopener noreferrer\">prohibited\u003c/a> in the U.S. since the 1970s. But several \u003ca href=\"https://www.sba.gov/sites/default/files/files/rs403tot(2).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">studies\u003c/a> have shown racial and ethnic gaps persist in access to credit, even when controlling for the creditworthiness of the borrower and other factors.\u003c/p>\n\u003cp>Compared to white-owned firms, minority business owners see their loan applications rejected more often; and when they do get loans, they face higher borrowing costs, according to research by economist Alicia Robb and others.\u003c/p>\n\u003cp>\"If banks had to report lending by race and ethnicity and gender, people could point out those that are not doing well in the market,\" said Robb, a research fellow at the University of Colorado at Boulder. \"That would lead to behavioral change to try and improve the situation.\"\u003c/p>\n\u003cp>The CFPB has received \u003ca href=\"https://www.regulations.gov/docketBrowser?rpp=25&so=DESC&sb=commentDueDate&po=0&D=CFPB-2017-0011\" target=\"_blank\" rel=\"noopener noreferrer\">hundreds\u003c/a> of public comments on the issue. Those include the results of a survey of California nonprofits that work with thousands of small businesses. More than half of respondents said that women and minorities applying for bank loans do face discrimination, according to a \u003ca href=\"http://www.calreinvest.org/news/new-report-california%E2%80%99s-small-business-owners-face-big-finance-challenges\" target=\"_blank\" rel=\"noopener noreferrer\">report\u003c/a> released last week by the California Reinvestment Coalition.\u003c/p>\n\u003cp>\"These findings highlight the importance of the CFPB’s 1071 rule to identify and address discrimination in the small-business lending marketplace,\" said Kevin Stein, deputy director at CRC in San Francisco. The organization is urging the CFPB to \"move quickly\" to begin implementing the new rules.\u003c/p>\n\u003cp>The CFPB has been under fire by Republican lawmakers and faces legal challenges that could undermine its authority. The pressure has intensified since President Trump was elected, and Stein and other small-business advocates fear the agency might be blocked from pursuing additional data from big banks.\u003c/p>\n\u003cp>In June, the House approved along party lines the Financial \u003ca href=\"https://www.congress.gov/bill/115th-congress/house-bill/10\" target=\"_blank\" rel=\"noopener noreferrer\">Choice Act\u003c/a>, by Rep. Jeb Hensarling (R-Texas), which would essentially defang the CFPB's current enforcement and regulatory power.\u003c/p>\n\u003cp>Big banks dominate the lending market and offer the lowest interest rates and longest repayment terms, making their loan products an attractive option for entrepreneurs looking to grow their businesses. But banks have tightened their business lending since the Great Recession, making it harder for some small-business owners to get affordable credit.\u003c/p>\n\u003cp>Among women and minority small-business owners in the Bay Area, anecdotes abound of rejections when applying for bank loans.\u003c/p>\n\u003cp>Tina Paclebar, co-owner of the delivery company RevEx Inc. in Hayward, said her long-term bank cited some late credit card payments when denying her business loan application earlier this year.\u003c/p>\n\u003cp>Initially, she believed her chances were good of getting the $75,000 loan to upgrade her company's aging vehicle fleet. Her financial statements showed she'd be able to repay it -- her company has been in business for 14 years, and it's growing and profitable, she said.\u003c/p>\n\u003cp>Paclebar suspected other reasons influenced her bank's decision. She wonders whether the fact that she's Filipina could have played a role.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"We have a large amount of money in the bank account. We have positive cashflow and constant deposits,\" said Paclebar, 46. \"So I didn't understand why we didn't get the loan.\"\u003c/p>\n\n","blocks":[],"excerpt":"The new rules would require banks and other financial institutions to collect data on the ethnicity and sex of small-business owners applying for and receiving loans. ","status":"publish","parent":0,"modified":1506038933,"stats":{"hasAudio":true,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":21,"wordCount":831},"headData":{"title":"New Rules Would Target Discrimination in Small-Business Lending | KQED","description":"The new rules would require banks and other financial institutions to collect data on the ethnicity and sex of small-business owners applying for and receiving loans. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"New Rules Would Target Discrimination in Small-Business Lending","datePublished":"2017-09-21T22:55:59.000Z","dateModified":"2017-09-22T00:08:53.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11617577 https://ww2.kqed.org/news/?p=11617577","disqusUrl":"https://ww2.kqed.org/news/2017/09/21/new-rules-would-target-discrimination-in-small-business-lending/","disqusTitle":"New Rules Would Target Discrimination in Small-Business Lending","path":"/news/11617577/new-rules-would-target-discrimination-in-small-business-lending","audioUrl":"https://www.kqed.org/.stream/anon/radio/RDnews/2017/09/RomeroBankLoans.mp3","audioDuration":null,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Banks could be forced to collect and report data on the small-business loans they approve and reject -- including the ethnicity and gender of the business owners -- under new rules being crafted by a federal consumer protection agency. Economists and regulators say the data could help identify whether lenders discriminate against minority- or women-owned businesses.\u003c/p>\n\u003cp>The new rules would aim to \"facilitate enforcement of fair lending laws\" \u003ca href=\"https://www.sec.gov/about/laws/wallstreetreform-cpa.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">as directed by\u003c/a> Section 1071 of the Dodd-Frank Act. Congress approved the major financial reform legislation in direct response to the last financial crisis.\u003c/p>\n\u003cp>Mortgage lenders already collect similar data, which help to \"shed light on lending patterns that could be discriminatory,\" \u003ca href=\"https://www.consumerfinance.gov/data-research/hmda/learn-more\" target=\"_blank\" rel=\"noopener noreferrer\">according\u003c/a> to the Consumer Financial Protection Bureau, the agency tasked with implementing the reporting changes on small-business lending.\u003c/p>\n\u003cp>The American Bankers Association and other organizations representing lenders oppose the CFPB's steps. The ABA has asked Congress to repeal this provision of Dodd-Frank, \u003ca href=\"https://bankingjournal.aba.com/2017/06/aba-wins-extension-on-cfpbs-small-business-lending-request-for-information/\" target=\"_blank\" rel=\"noopener noreferrer\">arguing\u003c/a> the data collection is misguided and could end up reducing access to small-business loans.\u003c/p>\n\u003cp>\"The considerable burdens associated with this data collection and reporting regime would add significant costs and unnecessary red tape to small-business lending, discouraging a primary engine for economic growth,\" said one \u003ca href=\"https://www.aba.com/Advocacy/Testimonies/Documents/ABAStatementfortheRecordSenateHearingJune152017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">letter\u003c/a> the ABA recently submitted to Congress.\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>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"audio","attributes":{"named":{"src":"https://www.kqed.org/.stream/anon/radio/RDnews/2017/09/RomeroBankLoans.mp3","image":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/09/RS26601_GettyImages-609067644-qut-800x549.jpg","title":"New Rules Would Target Discrimination in Small-Business Lending","program":"The California Report","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>For business owners, submitting information to lenders would be voluntary.\u003c/p>\n\u003cp>Discrimination against creditors on the basis of race and sex has been \u003ca href=\"https://www.justice.gov/crt/equal-credit-opportunity-act-3\" target=\"_blank\" rel=\"noopener noreferrer\">prohibited\u003c/a> in the U.S. since the 1970s. But several \u003ca href=\"https://www.sba.gov/sites/default/files/files/rs403tot(2).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">studies\u003c/a> have shown racial and ethnic gaps persist in access to credit, even when controlling for the creditworthiness of the borrower and other factors.\u003c/p>\n\u003cp>Compared to white-owned firms, minority business owners see their loan applications rejected more often; and when they do get loans, they face higher borrowing costs, according to research by economist Alicia Robb and others.\u003c/p>\n\u003cp>\"If banks had to report lending by race and ethnicity and gender, people could point out those that are not doing well in the market,\" said Robb, a research fellow at the University of Colorado at Boulder. \"That would lead to behavioral change to try and improve the situation.\"\u003c/p>\n\u003cp>The CFPB has received \u003ca href=\"https://www.regulations.gov/docketBrowser?rpp=25&so=DESC&sb=commentDueDate&po=0&D=CFPB-2017-0011\" target=\"_blank\" rel=\"noopener noreferrer\">hundreds\u003c/a> of public comments on the issue. Those include the results of a survey of California nonprofits that work with thousands of small businesses. More than half of respondents said that women and minorities applying for bank loans do face discrimination, according to a \u003ca href=\"http://www.calreinvest.org/news/new-report-california%E2%80%99s-small-business-owners-face-big-finance-challenges\" target=\"_blank\" rel=\"noopener noreferrer\">report\u003c/a> released last week by the California Reinvestment Coalition.\u003c/p>\n\u003cp>\"These findings highlight the importance of the CFPB’s 1071 rule to identify and address discrimination in the small-business lending marketplace,\" said Kevin Stein, deputy director at CRC in San Francisco. The organization is urging the CFPB to \"move quickly\" to begin implementing the new rules.\u003c/p>\n\u003cp>The CFPB has been under fire by Republican lawmakers and faces legal challenges that could undermine its authority. The pressure has intensified since President Trump was elected, and Stein and other small-business advocates fear the agency might be blocked from pursuing additional data from big banks.\u003c/p>\n\u003cp>In June, the House approved along party lines the Financial \u003ca href=\"https://www.congress.gov/bill/115th-congress/house-bill/10\" target=\"_blank\" rel=\"noopener noreferrer\">Choice Act\u003c/a>, by Rep. Jeb Hensarling (R-Texas), which would essentially defang the CFPB's current enforcement and regulatory power.\u003c/p>\n\u003cp>Big banks dominate the lending market and offer the lowest interest rates and longest repayment terms, making their loan products an attractive option for entrepreneurs looking to grow their businesses. But banks have tightened their business lending since the Great Recession, making it harder for some small-business owners to get affordable credit.\u003c/p>\n\u003cp>Among women and minority small-business owners in the Bay Area, anecdotes abound of rejections when applying for bank loans.\u003c/p>\n\u003cp>Tina Paclebar, co-owner of the delivery company RevEx Inc. in Hayward, said her long-term bank cited some late credit card payments when denying her business loan application earlier this year.\u003c/p>\n\u003cp>Initially, she believed her chances were good of getting the $75,000 loan to upgrade her company's aging vehicle fleet. Her financial statements showed she'd be able to repay it -- her company has been in business for 14 years, and it's growing and profitable, she said.\u003c/p>\n\u003cp>Paclebar suspected other reasons influenced her bank's decision. She wonders whether the fact that she's Filipina could have played a role.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"We have a large amount of money in the bank account. We have positive cashflow and constant deposits,\" said Paclebar, 46. \"So I didn't understand why we didn't get the loan.\"\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11617577/new-rules-would-target-discrimination-in-small-business-lending","authors":["8659"],"programs":["news_6944"],"categories":["news_1758","news_6188","news_8"],"tags":["news_21650","news_4032"],"featImg":"news_11617868","label":"news_6944"},"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":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Why Are Fewer Loans Going to Minority Business Owners?","datePublished":"2017-05-19T07:30:22.000Z","dateModified":"2017-11-02T19:20:26.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"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_11425165":{"type":"posts","id":"news_11425165","meta":{"index":"posts_1591205157","site":"news","id":"11425165","score":null,"sort":[1493407439000]},"guestAuthors":[],"slug":"low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky","title":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?","publishDate":1493407439,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\"Buy a Home, 1% Down, Free Recorded Message,\" reads a sign at the edge of a vacant lot in the scrappy working-class town of Bloomington near Riverside.\u003c/p>\n\u003cp>It's a tempting pitch. But it sounds a little suspicious to those who remember subprime lenders and the \u003ca href=\"https://www.federalreservehistory.org/essays/subprime_mortgage_crisis\" target=\"_blank\">mortgage meltdown.\u003c/a>\u003c/p>\n\u003cp>Inland Southern California became something of a poster child for the housing crisis that sunk scores of homeowners, wiped out a booming construction sector, shredded city and county budgets, and contributed to a spectacular \u003ca href=\"http://www.cacb.uscourts.gov/case-of-interest/city-san-bernardino\" target=\"_blank\">municipal bankruptcy\u003c/a> in San Bernardino.\u003c/p>\n\u003cp>I called the phone number on the sign.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message. “Buying a home has never been easier. Here's how it works. You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>I don’t leave a message. But somehow I get a call back anyway from a broker based in L.A. who says he’s authorized to sell these new 1 percent down home loans through \u003ca href=\"https://www.uwm.com/mortgage-products/conventional-loans/1-percent-down\" target=\"_blank\">United Wholesale Mortgage.\u003c/a>\u003c/p>\n\u003cp>It's a licensed private lender in Michigan.\u003c/p>\n\u003cp>When I tell him I'm just fishing for information and not looking for a new mortgage, he’s reluctant to say much more. So I pay a visit to the storefront mortgage company of veteran broker \u003ca href=\"https://www.facebook.com/tims.teresa/\" target=\"_blank\">Theresa Tims\u003c/a> in the leafy business district of Upland, about 30 minutes outside L.A.\u003c/p>\n\u003cp>The social media-savvy Tims has produced video explainers about 1 percent down and other loan programs \u003ca href=\"https://www.youtube.com/channel/UC2fXzz9yozD3LK2Secfa9Zg\" target=\"_blank\">on her YouTube channel\u003c/a>.\u003c/p>\n\u003cp>https://www.youtube.com/watch?v=wBGpZeqnpoY\u003c/p>\n\u003cp>\"I specialize in these low down loan type of programs and they fit our area perfectly,\" Tims tells me during an interview her assistant simultaneously webcasts on Facebook.\u003c/p>\n\u003cp>Tims does a lot of business in the Riverside-San Bernardino area, the Inland Empire, where median home prices are still comparatively cheap: about $300,000 for a basic three- or even four-bedroom home. That's less than half the \u003ca href=\"https://www.zillow.com/orange-county-ca/home-values/\" target=\"_blank\">median price\u003c/a> in neighboring Orange County.\u003c/p>\n\u003cp>\"Right now one of the only feasible programs is the 1 percent down with equity boost,\" says Tims.\u003c/p>\n\u003cp>She has been offering 1 percent down conventional loans since late last year, when they first became available through \u003ca href=\"https://www.uwm.com/\" target=\"_blank\">United Wholesale Mortgage\u003c/a> and its Detroit-based rival \u003ca href=\"https://www.quickenloans.com/blog/quicken-loans-offers-1-down-payment-option\" target=\"_blank\">Quicken Loans.\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_11425240\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425240\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg\" alt=\"Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1020x766.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1180x886.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-960x721.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The basic arithmetic is pretty straightforward.\u003c/p>\n\u003cp>Say you’re buying a $400,000 house in Riverside. You put down $4,000 -- that’s the 1 percent. The lender kicks in $8,000 -- that’s the 2 percent \"grant.' And that gets you to the 3 percent threshold required to qualify for federally backed mortgage insurance.\u003c/p>\n\u003cp>The loans are typically marketed to mid-income borrowers without a lot of cash on hand.\u003c/p>\n\u003cp>“It's very common for somebody to be able to come up with $4,000 or $5,000 [for a down payment]... $8,000 to $10,000 is a little bit of a push,” says Tims. “Unless they get some kind of inheritance or they've been saving since like age 13.”\u003c/p>\n\u003caside class=\"pullquote alignright\">'Now we’re not just throwing the money up in the air.'\u003ccite>Abraham Bustillos, new homeowner\u003c/cite>\u003c/aside>\n\u003cp>Right around Christmas, Abraham Bustillos moved his wife and three kids into a 1,300-square-foot home in Riverside with one of these 1 percent down conventional loans.\u003c/p>\n\u003cp>“We were thinking we were going to need at least $15,000 to $20,000,” Bustillos tells me. \"So to go from that to just $6,000 [down payment], we were able to move into the home.\"\u003c/p>\n\u003cp>The balance on Bustillos’ loan is around $350,000 stretched over a 30-year fixed mortgage.\u003c/p>\n\u003cp>“Yes, it is a little bit more than we were paying as renters,” says Bustillos, a FedEx delivery driver. \"But at the same time, now we’re not just throwing the money up in the air or paying the owner’s mortgage for him. You know, money is going into us.\"\u003c/p>\n\u003cp>One advantage to these 1 percent down loans is that traditional bank lenders may require heftier minimum down payments, higher minimum incomes and flawless credit scores.\u003c/p>\n\u003cp>Big non-bank lenders like United Wholesale and Quicken are filling the vacuum and scooping up customers who may not have cash for the more traditional 20 percent down payment -- or maybe just have good but not golden credit scores.\u003c/p>\n\u003cp>United Wholesale Mortgage declined to comment for this story over concerns it might make 1 percent down loans look risky.\u003c/p>\n\u003cp>But housing finance expert \u003ca href=\"https://www.aei.org/scholar/edward-j-pinto/\" target=\"_blank\">Edward Pinto\u003c/a> at the \u003ca href=\"https://www.aei.org/policy/economics/housing-finance/\" target=\"_blank\">American Enterprise Institute\u003c/a> in Washington, D.C., says they can be.\u003c/p>\n\u003cp>\"Unless you have reliable house price increases, you're going to be in trouble for many years,\" says Pinto.\u003c/p>\n\u003cp>Trouble as in your monthly payments will be pretty steep and it’ll take awhile to build up equity in your property.\u003c/p>\n\u003caside class=\"pullquote alignright\">'If anything happens like they lose their job, they have no cushion to fall back on.'\u003ccite>Edward Pinto, housing finance expert\u003c/cite>\u003c/aside>\n\u003cp>\"Within California, the most volatile metropolitan area for housing is Riverside-San Bernardino,\" Pinto explains. \"And so if you're buying a home in one of these areas with a very low down payment and then other risk factors are present, if anything happens like they lose their job, they have no cushion to fall back on.\"\u003c/p>\n\u003cp>Pinto says a bigger appetite for risk has led to problems for some non-bank lenders dealing in low down payment loans.\u003c/p>\n\u003cp>Two years ago, the U.S. Department of Justice \u003ca href=\"https://www.justice.gov/opa/pr/united-states-files-lawsuit-alleging-quicken-loans-improperly-originated-and-underwrote\" target=\"_blank\">sued both Quicken Loans \u003c/a>and \u003ca href=\"http://www.latimes.com/business/la-fi-mortgage-settlement-20170410-story.html\" target=\"_blank\">United Shore Financial Services\u003c/a>, the parent company of United Wholesale Mortgage.\u003c/p>\n\u003cp>Federal prosecutors say between 2006 and 2012, the companies wrongly certified hundreds of low down payment loan applications insured through a Federal Housing Administration program (different from the 1 percent down conventional loans Quicken and United began offering last year). The government alleges that when the loans went bad, taxpayers were on the hook for millions of dollars in losses.\u003c/p>\n\u003cp>United \u003ca href=\"https://www.justice.gov/opa/pr/united-shore-financial-services-llc-agrees-pay-48-million-resolve-alleged-false-claims-act\" target=\"_blank\">settled\u003c/a> its case last year after paying a $48 million penalty. \u003ca href=\"http://www.mortgageorb.com/quicken-loans-small-victory-might-not-small\" target=\"_blank\">Quicken is fighting\u003c/a> the charges in court.\u003c/p>\n\u003cp>Shortly after the lawsuits were filed, then-\u003ca href=\"https://www.youtube.com/watch?v=r7QbXrCWf4g\" target=\"_blank\">Quicken CEO Bill Emerson told Fox Business\u003c/a> the government actions would stifle affordable loan programs targeting mid- and low-income borrowers.\u003c/p>\n\u003cfigure id=\"attachment_11425179\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425179\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg\" alt=\"For sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">For-sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“It's absolutely driven a lot of financial institutions away from the FHA program for sure,” said Emerson. \"And you know who suffers from that. It’s the American consumer, the middle class who depend on the FHA program.\"\u003c/p>\n\u003cp>Housing risk expert Ed Pinto says these days, the majority of people buying a home for the first time in the U.S. are using FHA, 1 percent down and other types of low down payment programs.\u003c/p>\n\u003cp>\"And this group of low down payment loans is growing very rapidly,” says Pinto. “Seventy percent of all first-time homebuyers today have down payments of \u003ca href=\"https://themortgagereports.com/22592/ellie-mae-report-home-buyers-making-smaller-mortgage-down-payments\" target=\"_blank\">less than 5 percent\u003c/a>.\"\u003c/p>\n\u003cp>Despite the potential drawbacks, these loans remain the last best option in places like San Bernardino, a city still clawing its way back from a crushing foreclosure crisis and that municipal bankruptcy. It’s also a city where home ownership remains far below the national average.\u003c/p>\n\u003cp>\"Instead of being in a mobile home park, we said let's go and be homeowners,\" says Isabel Montanez.\u003c/p>\n\u003cp>I met her with her two young sons outside her modest two-bedroom San Bernardino home abutting a pair of auto repair shops. The single mom just purchased the home after qualifying for a low down payment FHA loan.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\"I signed the documents April 5, and before June I’ll be in,\" she says proudly, before explaining how she plans to expand the home and move in a couple of relatives to help offset mortgage payments and other costs associated with home ownership.\u003c/p>\n\n","blocks":[],"excerpt":"In the Inland Empire, 1 percent down loans are helping low-income buyers get into a home. But could they lead to another mortgage meltdown?","status":"publish","parent":0,"modified":1493418686,"stats":{"hasAudio":false,"hasVideo":true,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":42,"wordCount":1389},"headData":{"title":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky? | KQED","description":"In the Inland Empire, 1 percent down loans are helping low-income buyers get into a home. But could they lead to another mortgage meltdown?","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?","datePublished":"2017-04-28T19:23:59.000Z","dateModified":"2017-04-28T22:31:26.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11425165 https://ww2.kqed.org/news/?p=11425165","disqusUrl":"https://ww2.kqed.org/news/2017/04/28/low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky/","disqusTitle":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?","audioUrl":"http://www.kqed.org/.stream/anon/radio/tcr/2017/04/2017-04-26a-tcr.mp3","guestFields":"0","path":"/news/11425165/low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\"Buy a Home, 1% Down, Free Recorded Message,\" reads a sign at the edge of a vacant lot in the scrappy working-class town of Bloomington near Riverside.\u003c/p>\n\u003cp>It's a tempting pitch. But it sounds a little suspicious to those who remember subprime lenders and the \u003ca href=\"https://www.federalreservehistory.org/essays/subprime_mortgage_crisis\" target=\"_blank\">mortgage meltdown.\u003c/a>\u003c/p>\n\u003cp>Inland Southern California became something of a poster child for the housing crisis that sunk scores of homeowners, wiped out a booming construction sector, shredded city and county budgets, and contributed to a spectacular \u003ca href=\"http://www.cacb.uscourts.gov/case-of-interest/city-san-bernardino\" target=\"_blank\">municipal bankruptcy\u003c/a> in San Bernardino.\u003c/p>\n\u003cp>I called the phone number on the sign.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message. “Buying a home has never been easier. Here's how it works. You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.\"\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>I don’t leave a message. But somehow I get a call back anyway from a broker based in L.A. who says he’s authorized to sell these new 1 percent down home loans through \u003ca href=\"https://www.uwm.com/mortgage-products/conventional-loans/1-percent-down\" target=\"_blank\">United Wholesale Mortgage.\u003c/a>\u003c/p>\n\u003cp>It's a licensed private lender in Michigan.\u003c/p>\n\u003cp>When I tell him I'm just fishing for information and not looking for a new mortgage, he’s reluctant to say much more. So I pay a visit to the storefront mortgage company of veteran broker \u003ca href=\"https://www.facebook.com/tims.teresa/\" target=\"_blank\">Theresa Tims\u003c/a> in the leafy business district of Upland, about 30 minutes outside L.A.\u003c/p>\n\u003cp>The social media-savvy Tims has produced video explainers about 1 percent down and other loan programs \u003ca href=\"https://www.youtube.com/channel/UC2fXzz9yozD3LK2Secfa9Zg\" target=\"_blank\">on her YouTube channel\u003c/a>.\u003c/p>\u003c/p>\u003cp>\u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutube'>\n \u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutubeInside'>\n \u003ciframe\n loading='lazy'\n class='utils-parseShortcode-shortcodes-__youtubeShortcode__youtubePlayer'\n type='text/html'\n src='//www.youtube.com/embed/wBGpZeqnpoY'\n title='//www.youtube.com/embed/wBGpZeqnpoY'\n allowfullscreen='true'\n style='border:0;'>\u003c/iframe>\n \u003c/span>\n \u003c/span>\u003c/p>\u003cp>\u003cp>\"I specialize in these low down loan type of programs and they fit our area perfectly,\" Tims tells me during an interview her assistant simultaneously webcasts on Facebook.\u003c/p>\n\u003cp>Tims does a lot of business in the Riverside-San Bernardino area, the Inland Empire, where median home prices are still comparatively cheap: about $300,000 for a basic three- or even four-bedroom home. That's less than half the \u003ca href=\"https://www.zillow.com/orange-county-ca/home-values/\" target=\"_blank\">median price\u003c/a> in neighboring Orange County.\u003c/p>\n\u003cp>\"Right now one of the only feasible programs is the 1 percent down with equity boost,\" says Tims.\u003c/p>\n\u003cp>She has been offering 1 percent down conventional loans since late last year, when they first became available through \u003ca href=\"https://www.uwm.com/\" target=\"_blank\">United Wholesale Mortgage\u003c/a> and its Detroit-based rival \u003ca href=\"https://www.quickenloans.com/blog/quicken-loans-offers-1-down-payment-option\" target=\"_blank\">Quicken Loans.\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_11425240\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425240\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg\" alt=\"Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1020x766.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1180x886.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-960x721.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The basic arithmetic is pretty straightforward.\u003c/p>\n\u003cp>Say you’re buying a $400,000 house in Riverside. You put down $4,000 -- that’s the 1 percent. The lender kicks in $8,000 -- that’s the 2 percent \"grant.' And that gets you to the 3 percent threshold required to qualify for federally backed mortgage insurance.\u003c/p>\n\u003cp>The loans are typically marketed to mid-income borrowers without a lot of cash on hand.\u003c/p>\n\u003cp>“It's very common for somebody to be able to come up with $4,000 or $5,000 [for a down payment]... $8,000 to $10,000 is a little bit of a push,” says Tims. “Unless they get some kind of inheritance or they've been saving since like age 13.”\u003c/p>\n\u003caside class=\"pullquote alignright\">'Now we’re not just throwing the money up in the air.'\u003ccite>Abraham Bustillos, new homeowner\u003c/cite>\u003c/aside>\n\u003cp>Right around Christmas, Abraham Bustillos moved his wife and three kids into a 1,300-square-foot home in Riverside with one of these 1 percent down conventional loans.\u003c/p>\n\u003cp>“We were thinking we were going to need at least $15,000 to $20,000,” Bustillos tells me. \"So to go from that to just $6,000 [down payment], we were able to move into the home.\"\u003c/p>\n\u003cp>The balance on Bustillos’ loan is around $350,000 stretched over a 30-year fixed mortgage.\u003c/p>\n\u003cp>“Yes, it is a little bit more than we were paying as renters,” says Bustillos, a FedEx delivery driver. \"But at the same time, now we’re not just throwing the money up in the air or paying the owner’s mortgage for him. You know, money is going into us.\"\u003c/p>\n\u003cp>One advantage to these 1 percent down loans is that traditional bank lenders may require heftier minimum down payments, higher minimum incomes and flawless credit scores.\u003c/p>\n\u003cp>Big non-bank lenders like United Wholesale and Quicken are filling the vacuum and scooping up customers who may not have cash for the more traditional 20 percent down payment -- or maybe just have good but not golden credit scores.\u003c/p>\n\u003cp>United Wholesale Mortgage declined to comment for this story over concerns it might make 1 percent down loans look risky.\u003c/p>\n\u003cp>But housing finance expert \u003ca href=\"https://www.aei.org/scholar/edward-j-pinto/\" target=\"_blank\">Edward Pinto\u003c/a> at the \u003ca href=\"https://www.aei.org/policy/economics/housing-finance/\" target=\"_blank\">American Enterprise Institute\u003c/a> in Washington, D.C., says they can be.\u003c/p>\n\u003cp>\"Unless you have reliable house price increases, you're going to be in trouble for many years,\" says Pinto.\u003c/p>\n\u003cp>Trouble as in your monthly payments will be pretty steep and it’ll take awhile to build up equity in your property.\u003c/p>\n\u003caside class=\"pullquote alignright\">'If anything happens like they lose their job, they have no cushion to fall back on.'\u003ccite>Edward Pinto, housing finance expert\u003c/cite>\u003c/aside>\n\u003cp>\"Within California, the most volatile metropolitan area for housing is Riverside-San Bernardino,\" Pinto explains. \"And so if you're buying a home in one of these areas with a very low down payment and then other risk factors are present, if anything happens like they lose their job, they have no cushion to fall back on.\"\u003c/p>\n\u003cp>Pinto says a bigger appetite for risk has led to problems for some non-bank lenders dealing in low down payment loans.\u003c/p>\n\u003cp>Two years ago, the U.S. Department of Justice \u003ca href=\"https://www.justice.gov/opa/pr/united-states-files-lawsuit-alleging-quicken-loans-improperly-originated-and-underwrote\" target=\"_blank\">sued both Quicken Loans \u003c/a>and \u003ca href=\"http://www.latimes.com/business/la-fi-mortgage-settlement-20170410-story.html\" target=\"_blank\">United Shore Financial Services\u003c/a>, the parent company of United Wholesale Mortgage.\u003c/p>\n\u003cp>Federal prosecutors say between 2006 and 2012, the companies wrongly certified hundreds of low down payment loan applications insured through a Federal Housing Administration program (different from the 1 percent down conventional loans Quicken and United began offering last year). The government alleges that when the loans went bad, taxpayers were on the hook for millions of dollars in losses.\u003c/p>\n\u003cp>United \u003ca href=\"https://www.justice.gov/opa/pr/united-shore-financial-services-llc-agrees-pay-48-million-resolve-alleged-false-claims-act\" target=\"_blank\">settled\u003c/a> its case last year after paying a $48 million penalty. \u003ca href=\"http://www.mortgageorb.com/quicken-loans-small-victory-might-not-small\" target=\"_blank\">Quicken is fighting\u003c/a> the charges in court.\u003c/p>\n\u003cp>Shortly after the lawsuits were filed, then-\u003ca href=\"https://www.youtube.com/watch?v=r7QbXrCWf4g\" target=\"_blank\">Quicken CEO Bill Emerson told Fox Business\u003c/a> the government actions would stifle affordable loan programs targeting mid- and low-income borrowers.\u003c/p>\n\u003cfigure id=\"attachment_11425179\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425179\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg\" alt=\"For sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">For-sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“It's absolutely driven a lot of financial institutions away from the FHA program for sure,” said Emerson. \"And you know who suffers from that. It’s the American consumer, the middle class who depend on the FHA program.\"\u003c/p>\n\u003cp>Housing risk expert Ed Pinto says these days, the majority of people buying a home for the first time in the U.S. are using FHA, 1 percent down and other types of low down payment programs.\u003c/p>\n\u003cp>\"And this group of low down payment loans is growing very rapidly,” says Pinto. “Seventy percent of all first-time homebuyers today have down payments of \u003ca href=\"https://themortgagereports.com/22592/ellie-mae-report-home-buyers-making-smaller-mortgage-down-payments\" target=\"_blank\">less than 5 percent\u003c/a>.\"\u003c/p>\n\u003cp>Despite the potential drawbacks, these loans remain the last best option in places like San Bernardino, a city still clawing its way back from a crushing foreclosure crisis and that municipal bankruptcy. It’s also a city where home ownership remains far below the national average.\u003c/p>\n\u003cp>\"Instead of being in a mobile home park, we said let's go and be homeowners,\" says Isabel Montanez.\u003c/p>\n\u003cp>I met her with her two young sons outside her modest two-bedroom San Bernardino home abutting a pair of auto repair shops. The single mom just purchased the home after qualifying for a low down payment FHA loan.\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 signed the documents April 5, and before June I’ll be in,\" she says proudly, before explaining how she plans to expand the home and move in a couple of relatives to help offset mortgage payments and other costs associated with home ownership.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11425165/low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky","authors":["2600"],"programs":["news_72"],"categories":["news_1758","news_6266","news_8"],"tags":["news_69","news_18180","news_4032","news_2766","news_20704","news_137","news_2717","news_17286"],"featImg":"news_11425166","label":"news_72"},"news_11371178":{"type":"posts","id":"news_11371178","meta":{"index":"posts_1591205157","site":"news","id":"11371178","score":null,"sort":[1490309725000]},"guestAuthors":[],"slug":"california-lawmaker-proposes-to-curb-high-interest-loans","title":"California Lawmaker Proposes to Curb High-Interest Loans","publishDate":1490309725,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\u003cstrong>Update June 1, 11:10\u003c/strong> \u003cstrong>a.m\u003c/strong>: After revisions, the latest proposal aimed to limit interest rates on consumer loans of up to $5,000. That bill, which faced stiff opposition from the Online Lenders Alliance and other financial services providers, died last week without reaching the Assembly floor for debate. \"I’m going to regroup with consumer advocates and those that seek to protect the victims of this type of predatory lending,\" said Assemblyman Ash Kalra (D-San Jose).\u003c/p>\n\u003cp>\u003cstrong>Original Story:\u003c/strong>\u003c/p>\n\u003cp>Christmas was nearing and Connie Davis, a shuttle bus driver from East Palo Alto, wanted to buy presents for her children: a basketball, video games and shoes.\u003c/p>\n\u003cp>Her employer didn't require her services during the two-week holiday break when shuttle clients at major tech companies close. That meant Davis, an hourly employee, would not be paid during that time. She didn't have much money left, or a credit card to get by.\u003c/p>\n\u003cp>\"I was desperate for help,\" said Davis, 53, the single breadwinner for her two teenagers.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>She decided to call a lender whose advertisements she'd heard on the radio and apply for a $1,000 loan. The company's representative told Davis that she qualified for more than double that amount.\u003c/p>\n\u003cp>\"I was like 'wow!' I was excited, so I went for it,\" said Davis, adding that the extra funds would be handy to catch up on utility bills and rent. She clicked through the contract online, with the representative speaking with her via phone.\u003c/p>\n\u003cp>Later, Davis realized her $2,600 loan had an annual interest rate of 200 percent. If she completed the four-year repayment plan, she would have paid about $20,000.\u003c/p>\n\u003cp>California limits interest rates for consumer loans under $2,500. But larger loans, like the one that Davis got, have no such limits.\u003c/p>\n\u003cp>Assemblyman Ash Kalra (D-San Jose) wants to put interest rate restrictions on bigger loans as well. His \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB1109\" target=\"_blank\" rel=\"noopener noreferrer\">AB 1109\u003c/a> would limit the annual interest rate to 24 percent on loans between $2,500 and $10,000.\u003c/p>\n\u003cp>Kalra said the intent of his bill is to protect low-income families who end up getting this type of financing to cover an immediate expense, like car repairs or hospital bills.\u003c/p>\n\u003cp>\"Families are already going through crisis when they come forward asking for these loans,\" said Kalra, a former City Council member who pushed for greater regulation of payday lenders in San Jose.\u003c/p>\n\u003cp>\"We should not allow for an additional crisis to be placed upon these families by putting them on a downward spiral of debt,\" he said.\u003c/p>\n\u003cp>In 2014, when Davis signed up for her loan, non-bank companies provided more than 250,000 loans to consumers with interest rates of 100 percent or higher, according to \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Publications.asp\" target=\"_blank\" rel=\"noopener noreferrer\">figures\u003c/a> by the California Department of Business Oversight. That number jumped to nearly 330,000 in 2015.\u003c/p>\n\u003cp>The California Financial Service Providers Association, which represents businesses that offer consumer loans and check cashing, argues that their industry provides important access to credit.\u003c/p>\n\u003cp>\"We believe all California consumers, particularly those in underbanked communities or stuck in a credit gap, should have maximum flexibility to make their own choices and enjoy access to a broad and responsible range of financial services,\" Thomas Leonard, executive director of the California Financial Service Providers Association, wrote in a statement.\u003c/p>\n\u003cp>The association does not represent LoanMe Inc., the Southern California-based company that originated Connie Davis' loan.\u003c/p>\n\u003cp>LoanMe representatives did not return phone calls and emails requesting comment. But non-bank lenders have argued that flexible interest rates are necessary because borrowers' credit ratings are low and default rates are high.\u003c/p>\n\u003cp>\"Arbitrary interest rate caps like the one proposed harm those who already have the hardest time accessing credit,\" said Lisa McGreevy, president of the Online Lenders Alliance, a national trade association.\u003c/p>\n\u003cp>Juliana Fredman, an attorney at Bay Area Legal Aid, represents low-income consumers on debt collection cases. She said typically her clients, like Davis, don't fully understand the terms of the loans they signed up for and can't keep up with payments.\u003c/p>\n\u003cp>\"There’s a lot of stress and a lot of shame, and also concrete issues around credit which can impact housing and their ability to get loans at a more reasonable rate,\" said Fredman, a professor at UC Hastings School of Law.\u003c/p>\n\u003cp>For Connie Davis, the experience has been so embarrassing she hasn't discussed it with family and friends.\u003c/p>\n\u003cp>\"I was blindsided,\" said Davis, whose credit score took a further hit after she was unable to pay her rent and keep up with the loan's monthly payments of over $400. \"If I knew upfront that I would be paying a total of $20,000, I wouldn’t have signed that paper.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>A class-action lawsuit against another lender, CashCall Inc., is currently making its way through the U.S. 9th Circuit Court of Appeals in San Francisco. The plaintiffs allege that CashCall's loans of $2,600, with interest rates between 96 percent to 135 percent, are \"unconscionable,\" said Steven Tindall, one of the attorneys in the case.\u003c/p>\n\n","blocks":[],"excerpt":"The bill aims to end triple-digit interest rates for borrowers. Non-bank lenders argue more regulation will cut off credit for low-income consumers.","status":"publish","parent":0,"modified":1505243847,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":26,"wordCount":902},"headData":{"title":"California Lawmaker Proposes to Curb High-Interest Loans | KQED","description":"The bill aims to end triple-digit interest rates for borrowers. Non-bank lenders argue more regulation will cut off credit for low-income consumers.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Lawmaker Proposes to Curb High-Interest Loans","datePublished":"2017-03-23T22:55:25.000Z","dateModified":"2017-09-12T19:17:27.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11371178 https://ww2.kqed.org/news/?p=11371178","disqusUrl":"https://ww2.kqed.org/news/2017/03/23/california-lawmaker-proposes-to-curb-high-interest-loans/","disqusTitle":"California Lawmaker Proposes to Curb High-Interest Loans","path":"/news/11371178/california-lawmaker-proposes-to-curb-high-interest-loans","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cstrong>Update June 1, 11:10\u003c/strong> \u003cstrong>a.m\u003c/strong>: After revisions, the latest proposal aimed to limit interest rates on consumer loans of up to $5,000. That bill, which faced stiff opposition from the Online Lenders Alliance and other financial services providers, died last week without reaching the Assembly floor for debate. \"I’m going to regroup with consumer advocates and those that seek to protect the victims of this type of predatory lending,\" said Assemblyman Ash Kalra (D-San Jose).\u003c/p>\n\u003cp>\u003cstrong>Original Story:\u003c/strong>\u003c/p>\n\u003cp>Christmas was nearing and Connie Davis, a shuttle bus driver from East Palo Alto, wanted to buy presents for her children: a basketball, video games and shoes.\u003c/p>\n\u003cp>Her employer didn't require her services during the two-week holiday break when shuttle clients at major tech companies close. That meant Davis, an hourly employee, would not be paid during that time. She didn't have much money left, or a credit card to get by.\u003c/p>\n\u003cp>\"I was desperate for help,\" said Davis, 53, the single breadwinner for her two teenagers.\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>She decided to call a lender whose advertisements she'd heard on the radio and apply for a $1,000 loan. The company's representative told Davis that she qualified for more than double that amount.\u003c/p>\n\u003cp>\"I was like 'wow!' I was excited, so I went for it,\" said Davis, adding that the extra funds would be handy to catch up on utility bills and rent. She clicked through the contract online, with the representative speaking with her via phone.\u003c/p>\n\u003cp>Later, Davis realized her $2,600 loan had an annual interest rate of 200 percent. If she completed the four-year repayment plan, she would have paid about $20,000.\u003c/p>\n\u003cp>California limits interest rates for consumer loans under $2,500. But larger loans, like the one that Davis got, have no such limits.\u003c/p>\n\u003cp>Assemblyman Ash Kalra (D-San Jose) wants to put interest rate restrictions on bigger loans as well. His \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB1109\" target=\"_blank\" rel=\"noopener noreferrer\">AB 1109\u003c/a> would limit the annual interest rate to 24 percent on loans between $2,500 and $10,000.\u003c/p>\n\u003cp>Kalra said the intent of his bill is to protect low-income families who end up getting this type of financing to cover an immediate expense, like car repairs or hospital bills.\u003c/p>\n\u003cp>\"Families are already going through crisis when they come forward asking for these loans,\" said Kalra, a former City Council member who pushed for greater regulation of payday lenders in San Jose.\u003c/p>\n\u003cp>\"We should not allow for an additional crisis to be placed upon these families by putting them on a downward spiral of debt,\" he said.\u003c/p>\n\u003cp>In 2014, when Davis signed up for her loan, non-bank companies provided more than 250,000 loans to consumers with interest rates of 100 percent or higher, according to \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Publications.asp\" target=\"_blank\" rel=\"noopener noreferrer\">figures\u003c/a> by the California Department of Business Oversight. That number jumped to nearly 330,000 in 2015.\u003c/p>\n\u003cp>The California Financial Service Providers Association, which represents businesses that offer consumer loans and check cashing, argues that their industry provides important access to credit.\u003c/p>\n\u003cp>\"We believe all California consumers, particularly those in underbanked communities or stuck in a credit gap, should have maximum flexibility to make their own choices and enjoy access to a broad and responsible range of financial services,\" Thomas Leonard, executive director of the California Financial Service Providers Association, wrote in a statement.\u003c/p>\n\u003cp>The association does not represent LoanMe Inc., the Southern California-based company that originated Connie Davis' loan.\u003c/p>\n\u003cp>LoanMe representatives did not return phone calls and emails requesting comment. But non-bank lenders have argued that flexible interest rates are necessary because borrowers' credit ratings are low and default rates are high.\u003c/p>\n\u003cp>\"Arbitrary interest rate caps like the one proposed harm those who already have the hardest time accessing credit,\" said Lisa McGreevy, president of the Online Lenders Alliance, a national trade association.\u003c/p>\n\u003cp>Juliana Fredman, an attorney at Bay Area Legal Aid, represents low-income consumers on debt collection cases. She said typically her clients, like Davis, don't fully understand the terms of the loans they signed up for and can't keep up with payments.\u003c/p>\n\u003cp>\"There’s a lot of stress and a lot of shame, and also concrete issues around credit which can impact housing and their ability to get loans at a more reasonable rate,\" said Fredman, a professor at UC Hastings School of Law.\u003c/p>\n\u003cp>For Connie Davis, the experience has been so embarrassing she hasn't discussed it with family and friends.\u003c/p>\n\u003cp>\"I was blindsided,\" said Davis, whose credit score took a further hit after she was unable to pay her rent and keep up with the loan's monthly payments of over $400. \"If I knew upfront that I would be paying a total of $20,000, I wouldn’t have signed that paper.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>A class-action lawsuit against another lender, CashCall Inc., is currently making its way through the U.S. 9th Circuit Court of Appeals in San Francisco. The plaintiffs allege that CashCall's loans of $2,600, with interest rates between 96 percent to 135 percent, are \"unconscionable,\" said Steven Tindall, one of the attorneys in the case.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11371178/california-lawmaker-proposes-to-curb-high-interest-loans","authors":["8659"],"programs":["news_6944","news_72"],"categories":["news_1758","news_6188"],"tags":["news_4032","news_20705","news_20704"],"featImg":"news_11372539","label":"news_72"},"news_97445":{"type":"posts","id":"news_97445","meta":{"index":"posts_1591205157","site":"news","id":"97445","score":null,"sort":[1368806423000]},"guestAuthors":[],"slug":"california-homebuying-program-for-veterans-hands-out-few-loans","title":"California Homebuying Program for Veterans Hands Out Few Loans","publishDate":1368806423,"format":"aside","headTitle":"News Fix | KQED News","labelTerm":{"term":6944,"site":"news"},"content":"\u003cp>\u003cem>by Aaron Glantz, \u003ca href=\"http://cironline.org/reports/california-homebuying-program-veterans-hands-out-few-loans-4515\">Center for Investigative Reporting\u003cbr>\n\u003c/a>\u003c/em>\u003cbr>\nA state program designed to help California veterans buy homes granted just 83 loans last year, despite more than $1.1 billion in available funding.\u003c/p>\n\u003cfigure id=\"attachment_97455\" class=\"wp-caption alignright\" style=\"max-width: 388px\">\u003ca href=\"http://ww2.kqed.org/news/2013/05/17/97445/vetloan-2/\" rel=\"attachment wp-att-97455\">\u003cimg src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/05/VetLoan1.jpg\" alt=\"John Robinson, a Marine Corps veteran, lives at the Salvation Army's Harbor Light Center in San Francisco. (Anna Vignet/Center for Investigative Reporting)\" width=\"388\" height=\"259\" class=\"size-full wp-image-97455\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">John Robinson, a Marine Corps veteran, lives at the Salvation Army's Harbor Light Center in San Francisco. (Anna Vignet/Center for Investigative Reporting)\u003c/figcaption>\u003c/figure>\n\u003cp>The California Department of Veterans Affairs employed 87 staff members to run the loan program, spending $10.6 million on overhead to originate $10.5 million in loans, according to the state Department of Finance.\u003c/p>\n\u003cp>During a recent visit to the agency’s headquarters in Sacramento, the home loan call center was largely silent. Critics, including Democratic Assembly Speaker John A. Pérez, say the program is an anachronism and the money should be redeployed to meet other veteran needs.\u003c/p>\n\u003cp>Agency officials say they know they need to do better and have used the economic downturn to revamp the program, originally launched in 1921 to help World War I veterans buy homes and farms. The overhead costs, they said, include servicing on the approximately 8,000 loans made in the past three decades.\u003c!--more-->\u003c/p>\n\u003cp>“We are now staged and poised and ready to go as the housing market comes back,” said Theresa Gunn, the newly appointed deputy secretary in charge of the program.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Part of the issue in recent years has been the low interest rates available on the open market, which often made the program’s rates unattractive.\u003c/p>\n\u003cp>In October 2011, when it was possible to get a private home loan with an interest rate approaching 2 percent, the state offered loans to veterans at 5.5 percent. That gap apparently outweighed the program’s benefits, which include the ability to buy a house with little or no money down.\u003c/p>\n\u003cp>The agency lowered its interest rate this month to 3.9 percent. Gunn predicted the number of loans issued would grow this year but, when pressed, would not give an estimate, saying, “I’m not in a position right now to share something with you.”\u003c/p>\n\u003cp>The agency is budgeted for $13 million in overhead costs this fiscal year and so far has granted 59 home loans, valued at $5.5 million.\u003c/p>\n\u003cp>Since 1998, the nonpartisan Legislative Analyst’s Office has recommended that the agency phase out the program. In a report that year, the analyst’s office said use of the program, which that year made 1,600 loans, was likely to “continue to dwindle” as credit-worthy veterans turned to the private sector and other government programs.\u003c/p>\n\u003cp>“Veterans do have other growing needs,” the report said.\u003c/p>\n\u003cp>Today, the state Department of Veterans Affairs has $230 million in uninsured borrowing authority from a bond measure that voters passed in 2000, along with $900 million more from a 2008 initiative that the agency hasn’t yet touched.\u003c/p>\n\u003cp>Pérez has proposed reallocating $600 million of the agency’s bond funding to build affordable housing for homeless veterans. On April 30, a bill to put that change before voters in 2014 passed unanimously out of its first legislative committee, backed by a host of veterans groups, trade unions and law enforcement.\u003c/p>\n\u003cp>Gunn said the California Department of Veterans Affairs is not opposed to the bill and would welcome the reappropriation of some of its unused funding to build affordable housing.\u003c/p>\n\u003cp>California has about 16,000 homeless veterans, according to the federal Department of Housing and Urban Development. Los Angeles, with about 6,400 homeless vets, has the most in the nation.\u003c/p>\n\u003cp>“We want to do something to eliminate the suffering right now,” said Michael Blecker, executive director of Swords to Plowshares, a veterans service organization in San Francisco, where the most recent HUD-mandated homeless count identified 344 veterans in shelters and 430 on the streets.\u003c/p>\n\u003cp>In interviews, homeless veterans said the tight rental market has made private landlords so choosy that it’s nearly impossible to find housing – even after vets have found work and gotten off drugs.\u003c/p>\n\u003cp>“I have back child support and horrible credit,” said John Robinson, a Marine Corps veteran.\u003c/p>\n\u003cp>Robinson makes minimum wage working for a subcontractor of SamTrans, the transportation agency serving San Mateo County. But he continues to live at a SoMa drug rehab center run by the Salvation Army – his home for the past 21 months – because he can’t find private housing.\u003c/p>\n\u003cp>“If a veteran has a place to start, then he has a chance,” he said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The independent, nonprofit Center for Investigative Reporting is the country’s largest investigative reporting team. For more, visit www.cironline.org. The reporter can be reached at aglantz@cironline.org.\u003c/p>\n\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1368806673,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":23,"wordCount":802},"headData":{"title":"California Homebuying Program for Veterans Hands Out Few Loans | KQED","description":"by Aaron Glantz, Center for Investigative Reporting A state program designed to help California veterans buy homes granted just 83 loans last year, despite more than $1.1 billion in available funding. The California Department of Veterans Affairs employed 87 staff members to run the loan program, spending $10.6 million on overhead to originate $10.5 million","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Homebuying Program for Veterans Hands Out Few Loans","datePublished":"2013-05-17T16:00:23.000Z","dateModified":"2013-05-17T16:04:33.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"97445 http://ww2.kqed.org/news/?p=97445","disqusUrl":"https://ww2.kqed.org/news/2013/05/17/california-homebuying-program-for-veterans-hands-out-few-loans/","disqusTitle":"California Homebuying Program for Veterans Hands Out Few Loans","customPermalink":"2013/05/17/97445/","path":"/news/97445/california-homebuying-program-for-veterans-hands-out-few-loans","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>by Aaron Glantz, \u003ca href=\"http://cironline.org/reports/california-homebuying-program-veterans-hands-out-few-loans-4515\">Center for Investigative Reporting\u003cbr>\n\u003c/a>\u003c/em>\u003cbr>\nA state program designed to help California veterans buy homes granted just 83 loans last year, despite more than $1.1 billion in available funding.\u003c/p>\n\u003cfigure id=\"attachment_97455\" class=\"wp-caption alignright\" style=\"max-width: 388px\">\u003ca href=\"http://ww2.kqed.org/news/2013/05/17/97445/vetloan-2/\" rel=\"attachment wp-att-97455\">\u003cimg src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/05/VetLoan1.jpg\" alt=\"John Robinson, a Marine Corps veteran, lives at the Salvation Army's Harbor Light Center in San Francisco. (Anna Vignet/Center for Investigative Reporting)\" width=\"388\" height=\"259\" class=\"size-full wp-image-97455\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">John Robinson, a Marine Corps veteran, lives at the Salvation Army's Harbor Light Center in San Francisco. (Anna Vignet/Center for Investigative Reporting)\u003c/figcaption>\u003c/figure>\n\u003cp>The California Department of Veterans Affairs employed 87 staff members to run the loan program, spending $10.6 million on overhead to originate $10.5 million in loans, according to the state Department of Finance.\u003c/p>\n\u003cp>During a recent visit to the agency’s headquarters in Sacramento, the home loan call center was largely silent. Critics, including Democratic Assembly Speaker John A. Pérez, say the program is an anachronism and the money should be redeployed to meet other veteran needs.\u003c/p>\n\u003cp>Agency officials say they know they need to do better and have used the economic downturn to revamp the program, originally launched in 1921 to help World War I veterans buy homes and farms. The overhead costs, they said, include servicing on the approximately 8,000 loans made in the past three decades.\u003c!--more-->\u003c/p>\n\u003cp>“We are now staged and poised and ready to go as the housing market comes back,” said Theresa Gunn, the newly appointed deputy secretary in charge of the program.\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>Part of the issue in recent years has been the low interest rates available on the open market, which often made the program’s rates unattractive.\u003c/p>\n\u003cp>In October 2011, when it was possible to get a private home loan with an interest rate approaching 2 percent, the state offered loans to veterans at 5.5 percent. That gap apparently outweighed the program’s benefits, which include the ability to buy a house with little or no money down.\u003c/p>\n\u003cp>The agency lowered its interest rate this month to 3.9 percent. Gunn predicted the number of loans issued would grow this year but, when pressed, would not give an estimate, saying, “I’m not in a position right now to share something with you.”\u003c/p>\n\u003cp>The agency is budgeted for $13 million in overhead costs this fiscal year and so far has granted 59 home loans, valued at $5.5 million.\u003c/p>\n\u003cp>Since 1998, the nonpartisan Legislative Analyst’s Office has recommended that the agency phase out the program. In a report that year, the analyst’s office said use of the program, which that year made 1,600 loans, was likely to “continue to dwindle” as credit-worthy veterans turned to the private sector and other government programs.\u003c/p>\n\u003cp>“Veterans do have other growing needs,” the report said.\u003c/p>\n\u003cp>Today, the state Department of Veterans Affairs has $230 million in uninsured borrowing authority from a bond measure that voters passed in 2000, along with $900 million more from a 2008 initiative that the agency hasn’t yet touched.\u003c/p>\n\u003cp>Pérez has proposed reallocating $600 million of the agency’s bond funding to build affordable housing for homeless veterans. On April 30, a bill to put that change before voters in 2014 passed unanimously out of its first legislative committee, backed by a host of veterans groups, trade unions and law enforcement.\u003c/p>\n\u003cp>Gunn said the California Department of Veterans Affairs is not opposed to the bill and would welcome the reappropriation of some of its unused funding to build affordable housing.\u003c/p>\n\u003cp>California has about 16,000 homeless veterans, according to the federal Department of Housing and Urban Development. Los Angeles, with about 6,400 homeless vets, has the most in the nation.\u003c/p>\n\u003cp>“We want to do something to eliminate the suffering right now,” said Michael Blecker, executive director of Swords to Plowshares, a veterans service organization in San Francisco, where the most recent HUD-mandated homeless count identified 344 veterans in shelters and 430 on the streets.\u003c/p>\n\u003cp>In interviews, homeless veterans said the tight rental market has made private landlords so choosy that it’s nearly impossible to find housing – even after vets have found work and gotten off drugs.\u003c/p>\n\u003cp>“I have back child support and horrible credit,” said John Robinson, a Marine Corps veteran.\u003c/p>\n\u003cp>Robinson makes minimum wage working for a subcontractor of SamTrans, the transportation agency serving San Mateo County. But he continues to live at a SoMa drug rehab center run by the Salvation Army – his home for the past 21 months – because he can’t find private housing.\u003c/p>\n\u003cp>“If a veteran has a place to start, then he has a chance,” he said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The independent, nonprofit Center for Investigative Reporting is the country’s largest investigative reporting team. For more, visit www.cironline.org. The reporter can be reached at aglantz@cironline.org.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/97445/california-homebuying-program-for-veterans-hands-out-few-loans","authors":["237"],"programs":["news_6944"],"categories":["news_6266"],"tags":["news_4401","news_4032","news_80","news_237"],"label":"news_6944"}},"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 20, 2024 7:08 AM","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=loans":{"isFetching":false,"latestQuery":{"from":0,"postsToRender":9},"tag":null,"vitalsOnly":true,"totalRequested":9,"isLoading":false,"isLoadingMore":true,"total":10,"items":["news_11959175","news_11813345","news_11810146","news_11650543","news_11617577","news_11450958","news_11425165","news_11371178","news_97445"]}},"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_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,"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":4051,"isLoading":false,"link":"/news/tag/loans"},"source_news_11813345":{"type":"terms","id":"source_news_11813345","meta":{"override":true},"name":"Coronavirus","link":"https://www.kqed.org/coronavirus","isLoading":false},"source_news_11810146":{"type":"terms","id":"source_news_11810146","meta":{"override":true},"name":"coronavirus","link":"https://www.kqed.org/coronavirus","isLoading":false},"news_457":{"type":"terms","id":"news_457","meta":{"index":"terms_1591234321","site":"news","id":"457","found":true},"relationships":{},"included":{},"name":"Health","slug":"health","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Health Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":16998,"isLoading":false,"link":"/news/category/health"},"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_29464":{"type":"terms","id":"news_29464","meta":{"index":"terms_1591234321","site":"news","id":"29464","found":true},"relationships":{},"included":{},"name":"Adventist Health","slug":"adventist-health","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Adventist Health Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":29481,"isLoading":false,"link":"/news/tag/adventist-health"},"news_2632":{"type":"terms","id":"news_2632","meta":{"index":"terms_1591234321","site":"news","id":"2632","found":true},"relationships":{},"included":{},"name":"bankruptcy","slug":"bankruptcy","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"bankruptcy Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2649,"isLoading":false,"link":"/news/tag/bankruptcy"},"news_33026":{"type":"terms","id":"news_33026","meta":{"index":"terms_1591234321","site":"news","id":"33026","found":true},"relationships":{},"included":{},"name":"Beverly Community Hospital","slug":"beverly-community-hospital","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Beverly Community Hospital Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":33043,"isLoading":false,"link":"/news/tag/beverly-community-hospital"},"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_29546":{"type":"terms","id":"news_29546","meta":{"index":"terms_1591234321","site":"news","id":"29546","found":true},"relationships":{},"included":{},"name":"Covid 19 Pandemic","slug":"covid-19-pandemic","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Covid 19 Pandemic Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":29563,"isLoading":false,"link":"/news/tag/covid-19-pandemic"},"news_37":{"type":"terms","id":"news_37","meta":{"index":"terms_1591234321","site":"news","id":"37","found":true},"relationships":{},"included":{},"name":"Fresno","slug":"fresno","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Fresno Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":37,"isLoading":false,"link":"/news/tag/fresno"},"news_33025":{"type":"terms","id":"news_33025","meta":{"index":"terms_1591234321","site":"news","id":"33025","found":true},"relationships":{},"included":{},"name":"Hazel Hawkins Memorial Hospital","slug":"hazel-hawkins-memorial-hospital","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Hazel Hawkins Memorial Hospital Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":33042,"isLoading":false,"link":"/news/tag/hazel-hawkins-memorial-hospital"},"news_18659":{"type":"terms","id":"news_18659","meta":{"index":"terms_1591234321","site":"news","id":"18659","found":true},"relationships":{},"included":{},"name":"hospitals","slug":"hospitals","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"hospitals Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":18676,"isLoading":false,"link":"/news/tag/hospitals"},"news_33024":{"type":"terms","id":"news_33024","meta":{"index":"terms_1591234321","site":"news","id":"33024","found":true},"relationships":{},"included":{},"name":"Madera Community Hospital","slug":"madera-community-hospital","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Madera Community Hospital Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":33041,"isLoading":false,"link":"/news/tag/madera-community-hospital"},"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_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_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_27350":{"type":"terms","id":"news_27350","meta":{"index":"terms_1591234321","site":"news","id":"27350","found":true},"relationships":{},"included":{},"name":"coronavirus","slug":"coronavirus","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"coronavirus Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27367,"isLoading":false,"link":"/news/tag/coronavirus"},"news_1323":{"type":"terms","id":"news_1323","meta":{"index":"terms_1591234321","site":"news","id":"1323","found":true},"relationships":{},"included":{},"name":"Donald Trump","slug":"donald-trump","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Donald Trump Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1335,"isLoading":false,"link":"/news/tag/donald-trump"},"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_1386":{"type":"terms","id":"news_1386","meta":{"index":"terms_1591234321","site":"news","id":"1386","found":true},"relationships":{},"included":{},"name":"Bay Area","slug":"bay-area","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Bay Area Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1398,"isLoading":false,"link":"/news/tag/bay-area"},"news_27504":{"type":"terms","id":"news_27504","meta":{"index":"terms_1591234321","site":"news","id":"27504","found":true},"relationships":{},"included":{},"name":"covid-19","slug":"covid-19","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"covid-19 Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27521,"isLoading":false,"link":"/news/tag/covid-19"},"news_1761":{"type":"terms","id":"news_1761","meta":{"index":"terms_1591234321","site":"news","id":"1761","found":true},"relationships":{},"included":{},"name":"economics","slug":"economics-2","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"economics Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1774,"isLoading":false,"link":"/news/tag/economics-2"},"news_23853":{"type":"terms","id":"news_23853","meta":{"index":"terms_1591234321","site":"news","id":"23853","found":true},"relationships":{},"included":{},"name":"payday lending","slug":"payday-lending","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"payday lending Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":23870,"isLoading":false,"link":"/news/tag/payday-lending"},"news_27808":{"type":"terms","id":"news_27808","meta":{"index":"terms_1591234321","site":"news","id":"27808","found":true},"relationships":{},"included":{},"name":"resource","slug":"resource","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"resource Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27825,"isLoading":false,"link":"/news/tag/resource"},"news_631":{"type":"terms","id":"news_631","meta":{"index":"terms_1591234321","site":"news","id":"631","found":true},"relationships":{},"included":{},"name":"unemployment","slug":"unemployment","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"unemployment Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":640,"isLoading":false,"link":"/news/tag/unemployment"},"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_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_6266":{"type":"terms","id":"news_6266","meta":{"index":"terms_1591234321","site":"news","id":"6266","found":true},"relationships":{},"included":{},"name":"Housing","slug":"housing","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Housing Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":6290,"isLoading":false,"link":"/news/category/housing"},"news_1775":{"type":"terms","id":"news_1775","meta":{"index":"terms_1591234321","site":"news","id":"1775","found":true},"relationships":{},"included":{},"name":"housing","slug":"housing","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"housing Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1790,"isLoading":false,"link":"/news/tag/housing"},"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_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_21650":{"type":"terms","id":"news_21650","meta":{"index":"terms_1591234321","site":"news","id":"21650","found":true},"relationships":{},"included":{},"name":"Consumer Financial Protection Bureau","slug":"consumer-financial-protection-bureau","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Consumer Financial Protection Bureau Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":21667,"isLoading":false,"link":"/news/tag/consumer-financial-protection-bureau"},"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},"ttid":70,"isLoading":false,"link":"/news/tag/banks"},"news_18180":{"type":"terms","id":"news_18180","meta":{"index":"terms_1591234321","site":"news","id":"18180","found":true},"relationships":{},"included":{},"name":"Inland Empire","slug":"inland-empire","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Inland Empire Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":18214,"isLoading":false,"link":"/news/tag/inland-empire"},"news_2766":{"type":"terms","id":"news_2766","meta":{"index":"terms_1591234321","site":"news","id":"2766","found":true},"relationships":{},"included":{},"name":"mortgages","slug":"mortgages","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"mortgages Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2784,"isLoading":false,"link":"/news/tag/mortgages"},"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_137":{"type":"terms","id":"news_137","meta":{"index":"terms_1591234321","site":"news","id":"137","found":true},"relationships":{},"included":{},"name":"real estate","slug":"real-estate","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"real estate Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":141,"isLoading":false,"link":"/news/tag/real-estate"},"news_2717":{"type":"terms","id":"news_2717","meta":{"index":"terms_1591234321","site":"news","id":"2717","found":true},"relationships":{},"included":{},"name":"San Bernardino","slug":"san-bernardino","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"San Bernardino Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2735,"isLoading":false,"link":"/news/tag/san-bernardino"},"news_20705":{"type":"terms","id":"news_20705","meta":{"index":"terms_1591234321","site":"news","id":"20705","found":true},"relationships":{},"included":{},"name":"payday loans","slug":"payday-loans","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"payday loans Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20722,"isLoading":false,"link":"/news/tag/payday-loans"},"news_4401":{"type":"terms","id":"news_4401","meta":{"index":"terms_1591234321","site":"news","id":"4401","found":true},"relationships":{},"included":{},"name":"homebuying","slug":"homebuying","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"homebuying Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":4420,"isLoading":false,"link":"/news/tag/homebuying"},"news_80":{"type":"terms","id":"news_80","meta":{"index":"terms_1591234321","site":"news","id":"80","found":true},"relationships":{},"included":{},"name":"Military","slug":"military","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Military Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":81,"isLoading":false,"link":"/news/tag/military"},"news_237":{"type":"terms","id":"news_237","meta":{"index":"terms_1591234321","site":"news","id":"237","found":true},"relationships":{},"included":{},"name":"veterans","slug":"veterans","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"veterans Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":245,"isLoading":false,"link":"/news/tag/veterans"}},"userAgentReducer":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","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/loans","previousPathname":"/"}}
