California Homeowners Say Oakland Lender Scammed Them Out of $3M in Home Improvements
Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds
First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling
The (For-Profit) School of Hard Knocks
Could Capping Interest Rates Curb Poverty Rates in California?
As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'?
Once Again, California Lawmakers Won't Crack Down on Payday Lenders
Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?
10 Years After Housing Crash, Families Finally Make It on 'Dream Street'
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_11984452":{"type":"attachments","id":"news_11984452","meta":{"index":"attachments_1591205162","site":"news","id":"11984452","found":true},"title":"240429-SOLAR MOSAIC-MD-02-KQED","publishDate":1714490256,"status":"inherit","parent":0,"modified":1714500603,"caption":"Nancy Villanueva and others with the Alliance of Californians for Community Empowerment took over the lobby of 601 12th St. in Oakland, where Solar Mosaic is headquartered. They accused the company of having issued millions in fraudulent loans to California homeowners and demanded that they be canceled on April 29, 2024.","credit":"Martin do Nascimento/KQED","altTag":"A woman wearing sunglasses and a yellow shirt holds up an object in one hand and a water bottle in the other with people in the background.","description":null,"imgSizes":{"medium":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"1536x1536":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-1536x1024.jpg","width":1536,"height":1024,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-02-KQED.jpg","width":2000,"height":1333}},"fetchFailed":false,"isLoading":false},"news_11841421":{"type":"attachments","id":"news_11841421","meta":{"index":"attachments_1591205162","site":"news","id":"11841421","found":true},"title":"RS16247_GettyImages-150582090-qut","publishDate":1602101174,"status":"inherit","parent":11841414,"modified":1606281333,"caption":"A red for sale sign outside a home with a \"sold pending\" sticker posted across the front. ","credit":"Justin Sullivan/KQED","description":"A red for sale sign outside a home with a \"sold pending\" sticker posted across the front. ","imgSizes":{"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-800x530.jpg","width":800,"height":530,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1020x676.jpg","width":1020,"height":676,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-160x106.jpg","width":160,"height":106,"mimeType":"image/jpeg"},"1536x1536":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1536x1018.jpg","width":1536,"height":1018,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1832x1272.jpg","width":1832,"height":1272,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1122x1272.jpg","width":1122,"height":1272,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1472x1272.jpg","width":1472,"height":1272,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/10/RS16247_GettyImages-150582090-qut.jpg","width":1920,"height":1272}},"fetchFailed":false,"isLoading":false},"news_11831720":{"type":"attachments","id":"news_11831720","meta":{"index":"attachments_1591205162","site":"news","id":"11831720","found":true},"title":"Millions of Californians are filing for unemployment and living off of credit. Because of this, debt collection activity is expected to increase in the pandemic's aftermath.","publishDate":1596494288,"status":"inherit","parent":11831241,"modified":1596565048,"caption":"Millions of Californians are filing for unemployment and living off of credit. Because of this, debt collection activity is expected to increase in the pandemic's aftermath. ","credit":"rupixen.com on Unsplash","description":"Millions of Californians are filing for unemployment and living off of credit. Because of this, debt collection activity is expected to increase in the pandemic's aftermath. ","imgSizes":{"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"1536x1536":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1536x1024.jpg","width":1536,"height":1024,"mimeType":"image/jpeg"},"2048x2048":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-2048x1365.jpg","width":2048,"height":1365,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1832x1374.jpg","width":1832,"height":1374,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1122x1496.jpg","width":1122,"height":1496,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1472x1472.jpg","width":1472,"height":1472,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2020/07/Debt-Collections-Pic-scaled.jpg","width":2560,"height":1707}},"fetchFailed":false,"isLoading":false},"news_11791199":{"type":"attachments","id":"news_11791199","meta":{"index":"attachments_1591205162","site":"news","id":"11791199","found":true},"title":"scams_121319_final","publishDate":1576279988,"status":"inherit","parent":11791185,"modified":1576280028,"caption":null,"credit":null,"description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-160x115.jpg","width":160,"height":115,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-800x575.jpg","width":800,"height":575,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1020x734.jpg","width":1020,"height":734,"mimeType":"image/jpeg"},"complete_open_graph":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1200x863.jpg","width":1200,"height":863,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1920x1381.jpg","width":1920,"height":1381,"mimeType":"image/jpeg"},"apple_news_ca_landscape_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1832x1374.jpg","width":1832,"height":1374,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1376x1032.jpg","width":1376,"height":1032,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1122x1381.jpg","width":1122,"height":1381,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-840x1120.jpg","width":840,"height":1120,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1472x1381.jpg","width":1472,"height":1381,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-1104x1104.jpg","width":1104,"height":1104,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/12/scams_121319_final.jpg","width":1920,"height":1381}},"fetchFailed":false,"isLoading":false},"news_11751927":{"type":"attachments","id":"news_11751927","meta":{"index":"attachments_1591205162","site":"news","id":"11751927","found":true},"title":"RS14288_Mission Coop_JRaff (4 of 7)-qut","publishDate":1559504903,"status":"inherit","parent":11751924,"modified":1559505187,"caption":"Lawmakers say predatory lending takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. A new measure would place a 36% annual interest rate cap on loans made by state-licensed lenders.","credit":"Jeremy Raff","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"complete_open_graph":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1200x800.jpg","width":1200,"height":800,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1376x960.jpg","width":1376,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1122x960.jpg","width":1122,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-840x960.jpg","width":840,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-687x916.jpg","width":687,"height":916,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-1104x960.jpg","width":1104,"height":960,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-912x912.jpg","width":912,"height":912,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/06/RS14288_Mission-Coop_JRaff-4-of-7-qut.jpg","width":1440,"height":960}},"fetchFailed":false,"isLoading":false},"news_11747632":{"type":"attachments","id":"news_11747632","meta":{"index":"attachments_1591205162","site":"news","id":"11747632","found":true},"title":"PayDayLoansx007-e1557794331734","publishDate":1558019654,"status":"inherit","parent":11747607,"modified":1558019724,"caption":"Lenders like this ACE Cash Express in Chula Vista are issuing a growing number of high-rate loans to those deemed high-risk customers.","credit":"Peggy Peattie/CALmatters","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-160x79.jpg","width":160,"height":79,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-800x397.jpg","width":800,"height":397,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1020x507.jpg","width":1020,"height":507,"mimeType":"image/jpeg"},"complete_open_graph":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1200x596.jpg","width":1200,"height":596,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"apple_news_ca_landscape_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1376x894.jpg","width":1376,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_landscape_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1044x783.jpg","width":1044,"height":783,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-632x474.jpg","width":632,"height":474,"mimeType":"image/jpeg"},"apple_news_ca_landscape_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-536x402.jpg","width":536,"height":402,"mimeType":"image/jpeg"},"apple_news_ca_portrait_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1122x894.jpg","width":1122,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_portrait_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-840x894.jpg","width":840,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_portrait_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-687x894.jpg","width":687,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-414x552.jpg","width":414,"height":552,"mimeType":"image/jpeg"},"apple_news_ca_portrait_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-354x472.jpg","width":354,"height":472,"mimeType":"image/jpeg"},"apple_news_ca_square_12_9":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1472x894.jpg","width":1472,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_square_9_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-1104x894.jpg","width":1104,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_square_5_5":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-912x894.jpg","width":912,"height":894,"mimeType":"image/jpeg"},"apple_news_ca_square_4_7":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-550x550.jpg","width":550,"height":550,"mimeType":"image/jpeg"},"apple_news_ca_square_4_0":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734-470x470.jpg","width":470,"height":470,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2019/05/PayDayLoansx007-e1557794331734.jpg","width":1800,"height":894}},"fetchFailed":false,"isLoading":false},"news_11684460":{"type":"attachments","id":"news_11684460","meta":{"index":"attachments_1591205162","site":"news","id":"11684460","found":true},"title":"Payday lenders_Robbie Short_002","publishDate":1533247420,"status":"inherit","parent":11684428,"modified":1533247724,"caption":"A payday lender storefront in Sacramento. ","credit":"Robbie Short/CALmatters","description":"A payday lender storefront in Sacramento. ","imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-160x107.jpg","width":160,"height":107,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-800x533.jpg","width":800,"height":533,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1020x680.jpg","width":1020,"height":680,"mimeType":"image/jpeg"},"complete_open_graph":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1200x800.jpg","width":1200,"height":800,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1180x787.jpg","width":1180,"height":787,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-960x640.jpg","width":960,"height":640,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-240x160.jpg","width":240,"height":160,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-375x250.jpg","width":375,"height":250,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-520x347.jpg","width":520,"height":347,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1180x787.jpg","width":1180,"height":787,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-1920x1280.jpg","width":1920,"height":1280,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2018/08/Payday-lenders_Robbie-Short_002-e1533247734416.jpg","width":1920,"height":1280}},"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_11418626":{"type":"attachments","id":"news_11418626","meta":{"index":"attachments_1591205162","site":"news","id":"11418626","found":true},"title":"DREAM 1 Dream Street sign","publishDate":1492718340,"status":"inherit","parent":11418523,"modified":1492738187,"caption":"Dream Street in Bloomington during the early days of construction for the San Bernardino County subdivision.","credit":"Doug McCulloh","description":null,"imgSizes":{"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-160x106.jpg","width":160,"height":106,"mimeType":"image/jpeg"},"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-800x530.jpg","width":800,"height":530,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-1020x676.jpg","width":1020,"height":676,"mimeType":"image/jpeg"},"fd-lrg":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-1920x1273.jpg","width":1920,"height":1273,"mimeType":"image/jpeg"},"fd-med":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-1180x782.jpg","width":1180,"height":782,"mimeType":"image/jpeg"},"fd-sm":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-960x637.jpg","width":960,"height":637,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"xxsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-240x159.jpg","width":240,"height":159,"mimeType":"image/jpeg"},"xsmall":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-375x249.jpg","width":375,"height":249,"mimeType":"image/jpeg"},"small":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-520x345.jpg","width":520,"height":345,"mimeType":"image/jpeg"},"xlarge":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-1180x782.jpg","width":1180,"height":782,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-1920x1273.jpg","width":1920,"height":1273,"mimeType":"image/jpeg"},"guest-author-32":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-32x32.jpg","width":32,"height":32,"mimeType":"image/jpeg"},"guest-author-50":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-50x50.jpg","width":50,"height":50,"mimeType":"image/jpeg"},"guest-author-64":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-64x64.jpg","width":64,"height":64,"mimeType":"image/jpeg"},"guest-author-96":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-96x96.jpg","width":96,"height":96,"mimeType":"image/jpeg"},"guest-author-128":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-128x128.jpg","width":128,"height":128,"mimeType":"image/jpeg"},"detail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign-150x150.jpg","width":150,"height":150,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Dream-Street-sign.jpg","width":1920,"height":1273}},"fetchFailed":false,"isLoading":false}},"audioPlayerReducer":{"postId":"stream_live"},"authorsReducer":{"byline_news_11751924":{"type":"authors","id":"byline_news_11751924","meta":{"override":true},"slug":"byline_news_11751924","name":"\u003cstrong>Dan Walters\u003c/strong>","isLoading":false},"byline_news_11747607":{"type":"authors","id":"byline_news_11747607","meta":{"override":true},"slug":"byline_news_11747607","name":"\u003ca href=\"https://calmatters.org/articles/author/ben-christopher/\" target=\"_blank\">Ben Christopher\u003c/a>","isLoading":false},"byline_news_11684428":{"type":"authors","id":"byline_news_11684428","meta":{"override":true},"slug":"byline_news_11684428","name":"\u003cstrong>\u003ca href=\"https://calmatters.org/articles/author/antoinette-siu/\">Antoinette Siu\u003c/a>\u003c/strong>\u003cbr/>CALmatters\u003c/br>","isLoading":false},"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"},"markfiore":{"type":"authors","id":"3236","meta":{"index":"authors_1591205172","id":"3236","found":true},"name":"Mark Fiore","firstName":"Mark","lastName":"Fiore","slug":"markfiore","email":"mark@markfiore.com","display_author_email":false,"staff_mastheads":["news"],"title":"KQED News Cartoonist","bio":"\u003ca href=\"http://www.MarkFiore.com\">MarkFiore.com\u003c/a> | \u003ca href=\"https://twitter.com/markfiore\">Follow on Twitter\u003c/a> | \u003ca href=\"https://www.facebook.com/pages/Mark-Fiore-Animated-Political-Cartoons/94451707396?ref=bookmarks\">Facebook\u003c/a> | \u003ca href=\"mailto:mark@markfiore.com\">email\u003c/a>\r\n\r\nPulitzer Prize-winner, Mark Fiore, who the Wall Street Journal has called “the undisputed guru of the form,” creates animated political cartoons in San Francisco, where his work has been featured regularly on the San Francisco Chronicle’s web site, SFGate.com. His work has appeared on Newsweek.com, Slate.com, CBSNews.com, MotherJones.com, DailyKos.com and NPR’s web site. Fiore’s political animation has appeared on CNN, Frontline, Bill Moyers Journal, Salon.com and cable and broadcast outlets across the globe.\r\n\r\nBeginning his professional life by drawing traditional political cartoons for newspapers, Fiore’s work appeared in publications ranging from the Washington Post to the Los Angeles Times. In the late 1990s, he began to experiment with animating political cartoons and, after a short stint at the San Jose Mercury News as their staff cartoonist, Fiore devoted all his energies to animation.\r\nGrowing up in California, Fiore also spent a good portion of his life in the backwoods of Idaho. It was this combination that shaped him politically. Mark majored in political science at Colorado College, where, in a perfect send-off for a cartoonist, he received his diploma in 1991 as commencement speaker Dick Cheney smiled approvingly.\r\nMark Fiore was awarded the Pulitzer Prize for political cartooning in 2010, a Robert F. Kennedy Journalism Award in 2004 and has twice received an Online Journalism Award for commentary from the Online News Association (2002, 2008). Fiore has received two awards for his work in new media from the National Cartoonists Society (2001, 2002), and in 2006 received The James Madison Freedom of Information Award from The Society of Professional Journalists.","avatar":"https://secure.gravatar.com/avatar/fc4e2a612b15b67bad0c6f0e1db4ca9b?s=600&d=blank&r=g","twitter":"MarkFiore","facebook":null,"instagram":"https://www.instagram.com/markfiore/?hl=en","linkedin":null,"sites":[{"site":"arts","roles":["contributor"]},{"site":"news","roles":["editor"]},{"site":"futureofyou","roles":["editor"]},{"site":"science","roles":["editor"]}],"headData":{"title":"Mark Fiore | KQED","description":"KQED News Cartoonist","ogImgSrc":"https://secure.gravatar.com/avatar/fc4e2a612b15b67bad0c6f0e1db4ca9b?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/fc4e2a612b15b67bad0c6f0e1db4ca9b?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/markfiore"},"abandlamudi":{"type":"authors","id":"11672","meta":{"index":"authors_1591205172","id":"11672","found":true},"name":"Adhiti Bandlamudi","firstName":"Adhiti","lastName":"Bandlamudi","slug":"abandlamudi","email":"abandlamudi@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"KQED Housing Reporter","bio":"Adhiti Bandlamudi reports for KQED's Housing desk. She focuses on how housing gets built across the Bay Area. Before joining KQED in 2020, she reported for WUNC in Durham, North Carolina, WABE in Atlanta, Georgia and Capital Public Radio in Sacramento. In 2017, she was awarded a Kroc Fellowship at NPR where she reported on everything from sprinkles to the Golden State Killer's arrest. When she's not reporting, she's baking new recipes in her kitchen or watching movies with friends and family. She's originally from Georgia and has strong opinions about Great British Bake Off.","avatar":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twitter":"oddity_adhiti","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["author"]},{"site":"news","roles":["editor"]}],"headData":{"title":"Adhiti Bandlamudi | KQED","description":"KQED Housing Reporter","ogImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/abandlamudi"},"jrodriguez":{"type":"authors","id":"11690","meta":{"index":"authors_1591205172","id":"11690","found":true},"name":"Joe Fitzgerald Rodriguez","firstName":"Joe","lastName":"Fitzgerald Rodriguez","slug":"jrodriguez","email":"jrodriguez@kqed.org","display_author_email":true,"staff_mastheads":["news"],"title":"Reporter and Producer","bio":"Joe Fitzgerald Rodriguez is a reporter and digital producer for KQED covering politics. Joe most recently wrote for the \u003cem>San Francisco Examiner\u003c/em> as a political columnist covering The City. He was raised in San Francisco and has spent his reporting career in his beloved, foggy, city by the bay. Joe was 12-years-old when he conducted his first interview in journalism, grilling former San Francisco Mayor Willie Brown for the Marina Middle School newspaper, \u003cem>The Penguin Press, \u003c/em>and he continues to report on the San Francisco Bay Area to this day.","avatar":"https://secure.gravatar.com/avatar/2247beb0564c1e9c62228d5649d2edac?s=600&d=blank&r=g","twitter":"FitztheReporter","facebook":null,"instagram":"https://www.instagram.com/fitzthereporter/","linkedin":null,"sites":[{"site":"","roles":["editor"]},{"site":"arts","roles":["editor"]},{"site":"news","roles":["editor"]},{"site":"science","roles":["editor"]},{"site":"elections","roles":["editor"]},{"site":"liveblog","roles":["editor"]}],"headData":{"title":"Joe Fitzgerald Rodriguez | KQED","description":"Reporter and Producer","ogImgSrc":"https://secure.gravatar.com/avatar/2247beb0564c1e9c62228d5649d2edac?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/2247beb0564c1e9c62228d5649d2edac?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/jrodriguez"},"sjohnson":{"type":"authors","id":"11840","meta":{"index":"authors_1591205172","id":"11840","found":true},"name":"Sydney Johnson","firstName":"Sydney","lastName":"Johnson","slug":"sjohnson","email":"sjohnson@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"KQED Reporter","bio":"Sydney Johnson is a general assignment reporter at KQED. She previously reported on public health and city government at the San Francisco Examiner, and before that, she covered statewide education policy for EdSource. Her reporting has won multiple local, state and national awards. Sydney is a graduate of the University of California, Berkeley and lives in San Francisco.","avatar":"https://secure.gravatar.com/avatar/97855f2719b72ad6190b7c535fe642c8?s=600&d=blank&r=g","twitter":"sydneyfjohnson","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["editor"]}],"headData":{"title":"Sydney Johnson | KQED","description":"KQED Reporter","ogImgSrc":"https://secure.gravatar.com/avatar/97855f2719b72ad6190b7c535fe642c8?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/97855f2719b72ad6190b7c535fe642c8?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/sjohnson"}},"breakingNewsReducer":{},"campaignFinanceReducer":{},"firebase":{"requesting":{},"requested":{},"timestamps":{},"data":{},"ordered":{},"auth":{"isLoaded":false,"isEmpty":true},"authError":null,"profile":{"isLoaded":false,"isEmpty":true},"listeners":{"byId":{},"allIds":[]},"isInitializing":false,"errors":[]},"navBarReducer":{"navBarId":"news","fullView":true,"showPlayer":false},"navMenuReducer":{"menus":[{"key":"menu1","items":[{"name":"News","link":"/","type":"title"},{"name":"Politics","link":"/politics"},{"name":"Science","link":"/science"},{"name":"Education","link":"/educationnews"},{"name":"Housing","link":"/housing"},{"name":"Immigration","link":"/immigration"},{"name":"Criminal Justice","link":"/criminaljustice"},{"name":"Silicon Valley","link":"/siliconvalley"},{"name":"Forum","link":"/forum"},{"name":"The California Report","link":"/californiareport"}]},{"key":"menu2","items":[{"name":"Arts & Culture","link":"/arts","type":"title"},{"name":"Critics’ Picks","link":"/thedolist"},{"name":"Cultural Commentary","link":"/artscommentary"},{"name":"Food & Drink","link":"/food"},{"name":"Bay Area Hip-Hop","link":"/bayareahiphop"},{"name":"Rebel Girls","link":"/rebelgirls"},{"name":"Arts Video","link":"/artsvideos"}]},{"key":"menu3","items":[{"name":"Podcasts","link":"/podcasts","type":"title"},{"name":"Bay Curious","link":"/podcasts/baycurious"},{"name":"Rightnowish","link":"/podcasts/rightnowish"},{"name":"The Bay","link":"/podcasts/thebay"},{"name":"On Our Watch","link":"/podcasts/onourwatch"},{"name":"Mindshift","link":"/podcasts/mindshift"},{"name":"Consider This","link":"/podcasts/considerthis"},{"name":"Political Breakdown","link":"/podcasts/politicalbreakdown"}]},{"key":"menu4","items":[{"name":"Live Radio","link":"/radio","type":"title"},{"name":"TV","link":"/tv","type":"title"},{"name":"Events","link":"/events","type":"title"},{"name":"For Educators","link":"/education","type":"title"},{"name":"Support KQED","link":"/support","type":"title"},{"name":"About","link":"/about","type":"title"},{"name":"Help Center","link":"https://kqed-helpcenter.kqed.org/s","type":"title"}]}]},"pagesReducer":{},"postsReducer":{"stream_live":{"type":"live","id":"stream_live","audioUrl":"https://streams.kqed.org/kqedradio","title":"Live Stream","excerpt":"Live Stream information currently unavailable.","link":"/radio","featImg":"","label":{"name":"KQED Live","link":"/"}},"stream_kqedNewscast":{"type":"posts","id":"stream_kqedNewscast","audioUrl":"https://www.kqed.org/.stream/anon/radio/RDnews/newscast.mp3?_=1","title":"KQED Newscast","featImg":"","label":{"name":"88.5 FM","link":"/"}},"news_11984466":{"type":"posts","id":"news_11984466","meta":{"index":"posts_1591205157","site":"news","id":"11984466","score":null,"sort":[1714500039000]},"guestAuthors":[],"slug":"california-homeowners-say-oakland-lender-scammed-them-out-of-3m-in-home-improvements","title":"California Homeowners Say Oakland Lender Scammed Them Out of $3M in Home Improvements","publishDate":1714500039,"format":"standard","headTitle":"California Homeowners Say Oakland Lender Scammed Them Out of $3M in Home Improvements | KQED","labelTerm":{"site":"news"},"content":"\u003cp>Dozens of California homeowners allege an Oakland-based lending company conspired with contractors to issue fraudulent loans for home improvement projects that were never completed.\u003c/p>\n\u003cp>Nearly 160 complaints have been filed against the financial lending platform, Solar Mosaic, since 2019, according to data from the \u003ca href=\"https://www.consumerfinance.gov/data-research/consumer-complaints/search/?date_received_max=2024-04-28&date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&searchText=solar%20mosaic&size=100&sort=created_date_desc&tab=List\">Consumer Financial Protection Bureau\u003c/a>. And on Monday, a group of nearly 100 people drove from Los Angeles to protest outside Solar Mosaic’s headquarters in downtown Oakland, demanding to meet with the company and seek loan forgiveness and repayments.\u003c/p>\n\u003cp>An executive assistant for Solar Mosaic met the protestors on Monday, agreeing to set up a meeting or another resolution in the next week. \u003c/p>\n\u003cp>“Mosaic takes homeowner safeguards seriously. We strive to create a positive customer experience for every homeowner who chooses Mosaic to finance their sustainable home improvements,” a spokesperson for Mosaic told KQED in an email. “In the event a homeowner complains, we work with the homeowner to understand their concerns and seek to resolve such concerns.”\u003c/p>\n\u003cp>An executive assistant for Solar Mosaic met with the protesters on Monday and agreed to set up a meeting or another resolution within the next week. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Julie Robles was among Monday’s demonstrators. The Los Angeles homeowner said Viridi Construction, a construction company working to build an accessory dwelling unit, or in-law apartment, on her property requested $75,000 from Solar Mosaic, which the lender allegedly granted without any prior authorization from her. \u003c/p>\n\u003cp>“I’m already retired, so if something happened, I wouldn’t be able to recover the money,” said Robles, who is trying to get out of a $75,000 loan, plus nearly $3,000 in interest and fees. “I trusted them.”\u003c/p>\n\u003cp>Mosaic is currently in litigation with Viridi Construction — which several of the homeowners at Monday’s protest said they had worked with — for breach of contract and “unjust enrichment,” a legal term referring to when one party receives a benefit at the expense of the other.\u003c/p>\n\u003cp>“Mosaic disbursed significant loan funds to Viridi Construction, yet Viridi Construction failed to complete the work it agreed to perform on all projects,” reads the complaint filed on April 22.\u003c/p>\n\u003cp>The homeowners are demanding that Solar Mosaic cancel more than $3 million in alleged fraudulent loans and reimburse families who have made payments. Mosaic has canceled some, but very few of the loans, homeowners alleged at Monday’s protest.\u003c/p>\n\u003cfigure id=\"attachment_11984457\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11984457\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED.jpg\" alt=\"A man wearing a denim jean jacket is seen yelling among a group of people wearing yellow shirts leaving a building.\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-1920x1280.jpg 1920w\" sizes=\"(max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Sergio Vargas (center) and others leave 601 12th St. in Oakland after taking over the building’s lobby, accusing Solar Mosaic of having issued millions in fraudulent loans to California homeowners and demanding they be canceled on April 29, 2024. \u003ccite>(Martin do Nascimento/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“These homeowners are grappling with the immense stress of fraudulent loans taken out in their names and being unwittingly involved in home improvement scams,” reads the groups’ demand letter, which they sent to Solar Mosaic executives. “With homes demolished and families facing the specter of foreclosure, the threat of losing their homes looms large, casting a shadow of uncertainty and anxiety over their lives.”\u003c/p>\n\u003cp>Robles and nearly 20 other families said they have filed multiple police and FBI reports against the lender. Many homeowners who have issued complaints against Solar Mosaic with the Consumer Financial Protection Bureau are based in California, as well as Florida, Texas and nearly 30 other states.[aside postID=\"news_11982884,science_1991404\" label=\"Related Stories\"]\u003c/p>\n\u003cp>“I have requested a stop payment and refund from all three companies until the solar panels are working. They agreed to reimburse me. However, I have not heard from them in three months. They have, however, continued to deduct money from my bank account each month,” reads one complaint to the Consumer Financial Protection Bureau from a homeowner based on the Peninsula.\u003c/p>\n\u003cp>In March, Minnesota Attorney General Keith Ellison \u003ca href=\"https://www.ag.state.mn.us/Office/Communications/2024/docs/SolarLending_Complaint.pdf\">sued four solar lending companies\u003c/a>, including Solar Mosaic, for allegedly misleading customers into taking out loans, hiding fees and other deceptive trade practices.\u003c/p>\n\u003cp>“The lenders I sued today seriously misled consumers by promising cheap credit for solar installation, only to charge huge upfront fees that consumers didn’t know about,” Ellison said in a press release announcing the lawsuit. “Let this lawsuit serve as a warning that I will not tolerate deceptive practices, particularly in an industry that is so important to our collective future.”\u003c/p>\n\u003cfigure id=\"attachment_11984454\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11984454\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED.jpg\" alt=\"Several people wearing yellow shirts holds up pieces of paper and signs.\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-1920x1280.jpg 1920w\" sizes=\"(max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Maria Amaya (center) and others from the Alliance of Californians for Community Empowerment occupy the lobby of 601 12th St. in Oakland, where Solar Mosaic is headquartered. They accuse the company of having issued millions in fraudulent loans to California homeowners and demand that they be canceled on April 29, 2024. \u003ccite>(Martin do Nascimento/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Maria Amaya drove from her home in Hollywood to Oakland to join Monday’s protest. She paid thousands of dollars for her loan in cash and now wonders if she’ll be able to recoup the money.\u003c/p>\n\u003cp>“They sent an email showing me blueprints of the plans they had finished, but when I went to the city, they had not received any plans or approved a permit or anything,” Amaya said through a Spanish translator on Monday. “That was my life savings, my retirement.”\u003c/p>\n\u003cp>Amaya found others were in her position after her daughter discovered a \u003ca href=\"https://www.tiktok.com/@tonirobinhoooood?is_from_webapp=1&sender_device=pc\">TikTok\u003c/a> with other Solar Mosaic victims.\u003c/p>\n\u003cp>Members of the statewide community advocacy organization, the Alliance of Californians for Community Empowerment Action, organized Monday’s protest. Members said Solar Mosaic allegedly approved loans without proper inspections and paid money to contractors but not homeowners, whose names were on the loans.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“We will continue until they cancel the loans,” Robles said. She told KQED as the protest ended, “I hope we don’t have to come back. If not, you’ll see us more.”\u003c/p>\n\n","blocks":[],"excerpt":"Nearly 100 homeowners and families from Los Angeles drove up to protest outside Solar Mosaic’s Oakland headquarters on Monday.","status":"publish","parent":0,"modified":1714507488,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":22,"wordCount":990},"headData":{"title":"California Homeowners Say Oakland Lender Scammed Them Out of $3M in Home Improvements | KQED","description":"Nearly 100 homeowners and families from Los Angeles drove up to protest outside Solar Mosaic’s Oakland headquarters on Monday.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Homeowners Say Oakland Lender Scammed Them Out of $3M in Home Improvements","datePublished":"2024-04-30T18:00:39.000Z","dateModified":"2024-04-30T20:04:48.000Z","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"}}},"audioUrl":"https://omny.fm/shows/kqed-segmented-audio/kqed-newscast-5c76bded-df66-4948-9854-680e2ea5c006","sticky":false,"nprStoryId":"kqed-11984466","excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11984466/california-homeowners-say-oakland-lender-scammed-them-out-of-3m-in-home-improvements","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Dozens of California homeowners allege an Oakland-based lending company conspired with contractors to issue fraudulent loans for home improvement projects that were never completed.\u003c/p>\n\u003cp>Nearly 160 complaints have been filed against the financial lending platform, Solar Mosaic, since 2019, according to data from the \u003ca href=\"https://www.consumerfinance.gov/data-research/consumer-complaints/search/?date_received_max=2024-04-28&date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&searchText=solar%20mosaic&size=100&sort=created_date_desc&tab=List\">Consumer Financial Protection Bureau\u003c/a>. And on Monday, a group of nearly 100 people drove from Los Angeles to protest outside Solar Mosaic’s headquarters in downtown Oakland, demanding to meet with the company and seek loan forgiveness and repayments.\u003c/p>\n\u003cp>An executive assistant for Solar Mosaic met the protestors on Monday, agreeing to set up a meeting or another resolution in the next week. \u003c/p>\n\u003cp>“Mosaic takes homeowner safeguards seriously. We strive to create a positive customer experience for every homeowner who chooses Mosaic to finance their sustainable home improvements,” a spokesperson for Mosaic told KQED in an email. “In the event a homeowner complains, we work with the homeowner to understand their concerns and seek to resolve such concerns.”\u003c/p>\n\u003cp>An executive assistant for Solar Mosaic met with the protesters on Monday and agreed to set up a meeting or another resolution within the next week. \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>Julie Robles was among Monday’s demonstrators. The Los Angeles homeowner said Viridi Construction, a construction company working to build an accessory dwelling unit, or in-law apartment, on her property requested $75,000 from Solar Mosaic, which the lender allegedly granted without any prior authorization from her. \u003c/p>\n\u003cp>“I’m already retired, so if something happened, I wouldn’t be able to recover the money,” said Robles, who is trying to get out of a $75,000 loan, plus nearly $3,000 in interest and fees. “I trusted them.”\u003c/p>\n\u003cp>Mosaic is currently in litigation with Viridi Construction — which several of the homeowners at Monday’s protest said they had worked with — for breach of contract and “unjust enrichment,” a legal term referring to when one party receives a benefit at the expense of the other.\u003c/p>\n\u003cp>“Mosaic disbursed significant loan funds to Viridi Construction, yet Viridi Construction failed to complete the work it agreed to perform on all projects,” reads the complaint filed on April 22.\u003c/p>\n\u003cp>The homeowners are demanding that Solar Mosaic cancel more than $3 million in alleged fraudulent loans and reimburse families who have made payments. Mosaic has canceled some, but very few of the loans, homeowners alleged at Monday’s protest.\u003c/p>\n\u003cfigure id=\"attachment_11984457\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11984457\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED.jpg\" alt=\"A man wearing a denim jean jacket is seen yelling among a group of people wearing yellow shirts leaving a building.\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-07-KQED-1920x1280.jpg 1920w\" sizes=\"(max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Sergio Vargas (center) and others leave 601 12th St. in Oakland after taking over the building’s lobby, accusing Solar Mosaic of having issued millions in fraudulent loans to California homeowners and demanding they be canceled on April 29, 2024. \u003ccite>(Martin do Nascimento/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“These homeowners are grappling with the immense stress of fraudulent loans taken out in their names and being unwittingly involved in home improvement scams,” reads the groups’ demand letter, which they sent to Solar Mosaic executives. “With homes demolished and families facing the specter of foreclosure, the threat of losing their homes looms large, casting a shadow of uncertainty and anxiety over their lives.”\u003c/p>\n\u003cp>Robles and nearly 20 other families said they have filed multiple police and FBI reports against the lender. Many homeowners who have issued complaints against Solar Mosaic with the Consumer Financial Protection Bureau are based in California, as well as Florida, Texas and nearly 30 other states.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11982884,science_1991404","label":"Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“I have requested a stop payment and refund from all three companies until the solar panels are working. They agreed to reimburse me. However, I have not heard from them in three months. They have, however, continued to deduct money from my bank account each month,” reads one complaint to the Consumer Financial Protection Bureau from a homeowner based on the Peninsula.\u003c/p>\n\u003cp>In March, Minnesota Attorney General Keith Ellison \u003ca href=\"https://www.ag.state.mn.us/Office/Communications/2024/docs/SolarLending_Complaint.pdf\">sued four solar lending companies\u003c/a>, including Solar Mosaic, for allegedly misleading customers into taking out loans, hiding fees and other deceptive trade practices.\u003c/p>\n\u003cp>“The lenders I sued today seriously misled consumers by promising cheap credit for solar installation, only to charge huge upfront fees that consumers didn’t know about,” Ellison said in a press release announcing the lawsuit. “Let this lawsuit serve as a warning that I will not tolerate deceptive practices, particularly in an industry that is so important to our collective future.”\u003c/p>\n\u003cfigure id=\"attachment_11984454\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11984454\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED.jpg\" alt=\"Several people wearing yellow shirts holds up pieces of paper and signs.\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240429-SOLAR-MOSAIC-MD-04-KQED-1920x1280.jpg 1920w\" sizes=\"(max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Maria Amaya (center) and others from the Alliance of Californians for Community Empowerment occupy the lobby of 601 12th St. in Oakland, where Solar Mosaic is headquartered. They accuse the company of having issued millions in fraudulent loans to California homeowners and demand that they be canceled on April 29, 2024. \u003ccite>(Martin do Nascimento/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Maria Amaya drove from her home in Hollywood to Oakland to join Monday’s protest. She paid thousands of dollars for her loan in cash and now wonders if she’ll be able to recoup the money.\u003c/p>\n\u003cp>“They sent an email showing me blueprints of the plans they had finished, but when I went to the city, they had not received any plans or approved a permit or anything,” Amaya said through a Spanish translator on Monday. “That was my life savings, my retirement.”\u003c/p>\n\u003cp>Amaya found others were in her position after her daughter discovered a \u003ca href=\"https://www.tiktok.com/@tonirobinhoooood?is_from_webapp=1&sender_device=pc\">TikTok\u003c/a> with other Solar Mosaic victims.\u003c/p>\n\u003cp>Members of the statewide community advocacy organization, the Alliance of Californians for Community Empowerment Action, organized Monday’s protest. Members said Solar Mosaic allegedly approved loans without proper inspections and paid money to contractors but not homeowners, whose names were on the loans.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“We will continue until they cancel the loans,” Robles said. She told KQED as the protest ended, “I hope we don’t have to come back. If not, you’ll see us more.”\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11984466/california-homeowners-say-oakland-lender-scammed-them-out-of-3m-in-home-improvements","authors":["11840"],"categories":["news_6266","news_8"],"tags":["news_3921","news_27626","news_28791","news_1775","news_27208","news_20704","news_32169"],"featImg":"news_11984452","label":"news"},"news_11848754":{"type":"posts","id":"news_11848754","meta":{"index":"posts_1591205157","site":"news","id":"11848754","score":null,"sort":[1606335413000]},"guestAuthors":[],"slug":"black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds","title":"Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds","publishDate":1606335413,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>Black and Latino homebuyers across California have far less access to loans from banks than do other groups, \u003ca href=\"https://greenlining.org/publications/2020/home-lending-to-communities-of-color-in-california/\">according to a new report released Tuesday\u003c/a> by the Greenlining Institute.\u003c/p>\n\u003cp>Those disparities persist even when taking into account population and income, the Oakland-based group found.\u003c/p>\n\u003cp>And in the absence of bank loans, many Black and Latino homebuyers turn to non-bank lending options. Known as “fintech,” these loans are often — though not always — \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3677283\">replete with high-interest rates that pile on debt\u003c/a>.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Rawan Elhalaby, Greenling Institute\"]'Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it.'[/pullquote]\u003c/p>\n\u003cp>Rawan Elhalaby, the report’s author, says stronger federal regulations are needed to compel traditional banks to serve Black and Latino communities.\u003c/p>\n\u003cp>“Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it,” said Elhalaby, a program manager at the Greenlining Institute, a racial and economic justice policy group.\u003c/p>\n\u003cp>The group used mortgage data collected under the Home Mortgage Disclosure Act, passed by Congress in 1975, to analyze lending patterns in six major metropolitan areas across California.\u003c/p>\n\u003cp>For instance, in the Oakland-Berkeley-Livermore metropolitan area, encompassing 2.8 million people, the Black population makes up 9.4% of the population, but were awarded only 4% of all home purchase loans in 2019, it found.\u003c/p>\n\u003cp>That disparity is even more extreme among Latinos in the same region, who represent 23.7% of the population, but were awarded only 10.8% of home-buying loans last year.\u003c/p>\n\u003cp>Across the bay, in the San Francisco-San Mateo-Redwood City metropolitan area of roughly 1.6 million people, Black people make up 3.6% of the population, but they netted just 78 home-purchasing loans in 2019, or 0.73% of all loans awarded.\u003c/p>\n\u003cp>Meanwhile, white people, who make up over 39% of that region, were awarded about 4,200 home-buying loans in 2019, a rate roughly proportionate to their population.\u003c/p>\n\u003cp>The report recommends the following series of steps to improve equity in awarding home loans:\u003c/p>\n\u003cul>\n\u003cli>For banks to create more loan products and extend access and outreach in lower-income and immigrant communities;\u003c/li>\n\u003cli>For banks to increase their branch presence in rural communities and communities of color;\u003c/li>\n\u003cli>For communities to better fund nonprofits led by people of color to support homeownership counseling;\u003c/li>\n\u003cli>And for federal reform to strengthen the Home Mortgage Disclosure Act and other regulations to make more loans available to households in low- and moderate-income communities.\u003c/li>\n\u003c/ul>\n\u003cp>Elhalaby’s said her parents, who emigrated from Palestine to San Diego in 1989, benefited from working with culturally competent banks. There is a prevalence of Arabic-speaking bank tellers among Wells Fargo branches in that city, which Elhalaby said was key to her parents securing a home loan when she was a teenager.\u003c/p>\n\u003cp>“That was kind of a game changer,” she said. “There was someone that [could] really explain the whole system, like anything that they signed. They felt confident that they knew what they were getting into.”\u003c/p>\n\u003cp>There is a similar dynamic playing out across the most recent loan data, Elhalaby said. Asian communities in California — and the Chinese community in particular — receive home loans at rates similar to those of white people, a factor due largely to bank access, Elhalaby said.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>There are many culturally competent banks serving Asian communities in the Bay Area. East West Bank, for instance, has tellers who speak Cantonese and Mandarin, and are located in key Chinese neighborhoods like Oakland’s Chinatown or San Francisco’s Irving Street. Their website lists the languages spoken at each branch.\u003c/p>\n\u003cp>That points a way forward to increase banking access in Latino communities, with more Spanish-speaking tellers who can offer loan services targeted to their specific needs. Doing so may mean structuring loans in a way that allows multiple family members to contribute financially to buying a home, for instance, which is more common in immigrant communities, Elhalaby said.\u003c/p>\n\u003cp>Women of color face some of the greatest disparities in getting home loans in California: They make up 30% of the state's population but net just 7% of all home-buying loans, the report found.\u003c/p>\n\u003cp>Women of color are often the sole supporters of their extended families and are likely to be entrepreneurs, Elhalaby said. So “creative underwriting” that acknowledges the many payment obligations they have, may make home loans more accessible.\u003c/p>\n\u003cp>While language access isn’t necessarily an issue in California’s Black communities, bank access often is, the report found. It suggests they would be better served if banks opened more branches in those communities and offered more home-buying counseling.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"home-loans\"] That’s old news to Nikki Beasley, executive director of Richmond Neighborhood Housing Services, which largely serves Black communities in Oakland and Richmond. The organization \u003ca href=\"http://www.richmondnhs.org/programs#164\">hosts homebuyer workshops\u003c/a> and tries to clear up common misconceptions among many first-time homebuyers.\u003c/p>\n\u003cp>“People tend to be comfortable in the community they live,” she said. But as a former banker herself, Beasley says there is sometimes “bias” in the lending process. “I will admit, as bankers, you tend to assess based on what people look like, how they dress,” she said, noting that those judgements can be made inadvertently.\u003c/p>\n\u003cp>Placing more bank branches in traditionally underserved communities with employees from those communities can reduce that bias, Beasley said.\u003c/p>\n\u003cp>With scarce access to loans from traditional banks, Beasley worries Black homebuyers with less income may face dauntingly steep interest rates — sometimes as high as 30% — from fintech loans.\u003c/p>\n\u003cp>People still say yes to that raw deal because it’s their only option, she said.\u003c/p>\n\u003cp>“Typically, that, in my mind, is a predatory practice because they are targeting people that may not be able to get this particular loan or offer because of poor credit, overutilization of debt, or low income,” Beasley said.\u003c/p>\n\u003cp>To counter that, Beasley said her organization helped over 100 first-time homebuyers in her community in 2020 alone, putting her organization on track to secure about the same number of loans they closed in 2019.\u003c/p>\n\u003cp>“We bring information to individuals, keep them encouraged and motivated,” Beasley said. “Because — there is a way.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Black and Latino homebuyers across California are awarded fewer loans from banks than other groups, even when taking into account population and income, according to a new report.\r\n","status":"publish","parent":0,"modified":1606351061,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":30,"wordCount":1098},"headData":{"title":"Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds | KQED","description":"Black and Latino homebuyers across California are awarded fewer loans from banks than other groups, even when taking into account population and income, according to a new report.\r\n","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds","datePublished":"2020-11-25T20:16:53.000Z","dateModified":"2020-11-26T00:37:41.000Z","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":"11848754 https://ww2.kqed.org/news/?p=11848754","disqusUrl":"https://ww2.kqed.org/news/2020/11/25/black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds/","disqusTitle":"Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds","path":"/news/11848754/black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Black and Latino homebuyers across California have far less access to loans from banks than do other groups, \u003ca href=\"https://greenlining.org/publications/2020/home-lending-to-communities-of-color-in-california/\">according to a new report released Tuesday\u003c/a> by the Greenlining Institute.\u003c/p>\n\u003cp>Those disparities persist even when taking into account population and income, the Oakland-based group found.\u003c/p>\n\u003cp>And in the absence of bank loans, many Black and Latino homebuyers turn to non-bank lending options. Known as “fintech,” these loans are often — though not always — \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3677283\">replete with high-interest rates that pile on debt\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it.'","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Rawan Elhalaby, Greenling Institute","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Rawan Elhalaby, the report’s author, says stronger federal regulations are needed to compel traditional banks to serve Black and Latino communities.\u003c/p>\n\u003cp>“Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it,” said Elhalaby, a program manager at the Greenlining Institute, a racial and economic justice policy group.\u003c/p>\n\u003cp>The group used mortgage data collected under the Home Mortgage Disclosure Act, passed by Congress in 1975, to analyze lending patterns in six major metropolitan areas across California.\u003c/p>\n\u003cp>For instance, in the Oakland-Berkeley-Livermore metropolitan area, encompassing 2.8 million people, the Black population makes up 9.4% of the population, but were awarded only 4% of all home purchase loans in 2019, it found.\u003c/p>\n\u003cp>That disparity is even more extreme among Latinos in the same region, who represent 23.7% of the population, but were awarded only 10.8% of home-buying loans last year.\u003c/p>\n\u003cp>Across the bay, in the San Francisco-San Mateo-Redwood City metropolitan area of roughly 1.6 million people, Black people make up 3.6% of the population, but they netted just 78 home-purchasing loans in 2019, or 0.73% of all loans awarded.\u003c/p>\n\u003cp>Meanwhile, white people, who make up over 39% of that region, were awarded about 4,200 home-buying loans in 2019, a rate roughly proportionate to their population.\u003c/p>\n\u003cp>The report recommends the following series of steps to improve equity in awarding home loans:\u003c/p>\n\u003cul>\n\u003cli>For banks to create more loan products and extend access and outreach in lower-income and immigrant communities;\u003c/li>\n\u003cli>For banks to increase their branch presence in rural communities and communities of color;\u003c/li>\n\u003cli>For communities to better fund nonprofits led by people of color to support homeownership counseling;\u003c/li>\n\u003cli>And for federal reform to strengthen the Home Mortgage Disclosure Act and other regulations to make more loans available to households in low- and moderate-income communities.\u003c/li>\n\u003c/ul>\n\u003cp>Elhalaby’s said her parents, who emigrated from Palestine to San Diego in 1989, benefited from working with culturally competent banks. There is a prevalence of Arabic-speaking bank tellers among Wells Fargo branches in that city, which Elhalaby said was key to her parents securing a home loan when she was a teenager.\u003c/p>\n\u003cp>“That was kind of a game changer,” she said. “There was someone that [could] really explain the whole system, like anything that they signed. They felt confident that they knew what they were getting into.”\u003c/p>\n\u003cp>There is a similar dynamic playing out across the most recent loan data, Elhalaby said. Asian communities in California — and the Chinese community in particular — receive home loans at rates similar to those of white people, a factor due largely to bank access, Elhalaby said.\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>There are many culturally competent banks serving Asian communities in the Bay Area. East West Bank, for instance, has tellers who speak Cantonese and Mandarin, and are located in key Chinese neighborhoods like Oakland’s Chinatown or San Francisco’s Irving Street. Their website lists the languages spoken at each branch.\u003c/p>\n\u003cp>That points a way forward to increase banking access in Latino communities, with more Spanish-speaking tellers who can offer loan services targeted to their specific needs. Doing so may mean structuring loans in a way that allows multiple family members to contribute financially to buying a home, for instance, which is more common in immigrant communities, Elhalaby said.\u003c/p>\n\u003cp>Women of color face some of the greatest disparities in getting home loans in California: They make up 30% of the state's population but net just 7% of all home-buying loans, the report found.\u003c/p>\n\u003cp>Women of color are often the sole supporters of their extended families and are likely to be entrepreneurs, Elhalaby said. So “creative underwriting” that acknowledges the many payment obligations they have, may make home loans more accessible.\u003c/p>\n\u003cp>While language access isn’t necessarily an issue in California’s Black communities, bank access often is, the report found. It suggests they would be better served if banks opened more branches in those communities and offered more home-buying counseling.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"related coverage ","tag":"home-loans"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp> That’s old news to Nikki Beasley, executive director of Richmond Neighborhood Housing Services, which largely serves Black communities in Oakland and Richmond. The organization \u003ca href=\"http://www.richmondnhs.org/programs#164\">hosts homebuyer workshops\u003c/a> and tries to clear up common misconceptions among many first-time homebuyers.\u003c/p>\n\u003cp>“People tend to be comfortable in the community they live,” she said. But as a former banker herself, Beasley says there is sometimes “bias” in the lending process. “I will admit, as bankers, you tend to assess based on what people look like, how they dress,” she said, noting that those judgements can be made inadvertently.\u003c/p>\n\u003cp>Placing more bank branches in traditionally underserved communities with employees from those communities can reduce that bias, Beasley said.\u003c/p>\n\u003cp>With scarce access to loans from traditional banks, Beasley worries Black homebuyers with less income may face dauntingly steep interest rates — sometimes as high as 30% — from fintech loans.\u003c/p>\n\u003cp>People still say yes to that raw deal because it’s their only option, she said.\u003c/p>\n\u003cp>“Typically, that, in my mind, is a predatory practice because they are targeting people that may not be able to get this particular loan or offer because of poor credit, overutilization of debt, or low income,” Beasley said.\u003c/p>\n\u003cp>To counter that, Beasley said her organization helped over 100 first-time homebuyers in her community in 2020 alone, putting her organization on track to secure about the same number of loans they closed in 2019.\u003c/p>\n\u003cp>“We bring information to individuals, keep them encouraged and motivated,” Beasley said. “Because — there is a way.”\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/11848754/black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds","authors":["11690"],"categories":["news_6266","news_8"],"tags":["news_25773","news_1775","news_20704","news_21028"],"featImg":"news_11841421","label":"news"},"news_11831241":{"type":"posts","id":"news_11831241","meta":{"index":"posts_1591205157","site":"news","id":"11831241","score":null,"sort":[1596574463000]},"guestAuthors":[],"slug":"first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","title":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","publishDate":1596574463,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation's worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he's been furloughed.\u003c/p>\n\u003cp>\"I just went back to work a couple weeks ago,\" Gonzales said. \"And that's on a day-by-day basis at this time.\"\u003c/p>\n\u003cp>Gonzales is afraid he'll get laid off. He wasn't able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can't pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose's moratorium ends on Aug. 31, and Gonzales' landlord has already threatened to evict him if he doesn't pay his back-rent.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"It's become difficult to pay it. And I have every intention [of paying the rent] because I've never had any problems like this,\" Gonzales said. \"But it's making me worried and stressed out about ... am I going to be able to do it.\"\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>\"Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,\" Sidhu said. \"We can imagine that debt collection cases are going to be on the rise.\"\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Jessica Nowlan, Young Women's Freedom Center executive director\"]'I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family.'[/pullquote]\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn't believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>\"States should really be careful about how they begin to reopen and continue business as usual,\" Sidhu said. \"Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.\"\u003c/p>\n\u003cp>Jessica Nowlan's debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women's Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>\"I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,\" Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn't realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>\"I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family,\" Nowlan said.\u003c/p>\n\u003cp>She's now on a six-year payment plan with the IRS to pay those back taxes, but there won't be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>[aside label=\"Coronavirus Resources\" tag=\"resource\"]\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they're accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>\"People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they've accumulated over the past few months,\" Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family's bank account — enough to provide a \"minimum basic standard of adequate care for a family of four.\"\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>\"There's no regulation, there's no licensing,\" Wieckowski said. \"It's nothing new — it's the crescendo now because there's so many more people that are financially vulnerable.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n","blocks":[],"excerpt":"Even as millions of Californians have filed for unemployment during the coronavirus pandemic, many who are already financially vulnerable are being asked to pay back their debts.","status":"publish","parent":0,"modified":1596581015,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":28,"wordCount":976},"headData":{"title":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling | KQED","description":"Even as millions of Californians have filed for unemployment during the coronavirus pandemic, many who are already financially vulnerable are being asked to pay back their debts.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","datePublished":"2020-08-04T20:54:23.000Z","dateModified":"2020-08-04T22:43:35.000Z","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":"11831241 https://ww2.kqed.org/news/?p=11831241","disqusUrl":"https://ww2.kqed.org/news/2020/08/04/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling/","disqusTitle":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/bebf602d-0beb-4b39-9477-ac070128a539/audio.mp3","path":"/news/11831241/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","audioDuration":213000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation's worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he's been furloughed.\u003c/p>\n\u003cp>\"I just went back to work a couple weeks ago,\" Gonzales said. \"And that's on a day-by-day basis at this time.\"\u003c/p>\n\u003cp>Gonzales is afraid he'll get laid off. He wasn't able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can't pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose's moratorium ends on Aug. 31, and Gonzales' landlord has already threatened to evict him if he doesn't pay his back-rent.\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>\"It's become difficult to pay it. And I have every intention [of paying the rent] because I've never had any problems like this,\" Gonzales said. \"But it's making me worried and stressed out about ... am I going to be able to do it.\"\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>\"Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,\" Sidhu said. \"We can imagine that debt collection cases are going to be on the rise.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Jessica Nowlan, Young Women's Freedom Center executive director","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn't believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>\"States should really be careful about how they begin to reopen and continue business as usual,\" Sidhu said. \"Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.\"\u003c/p>\n\u003cp>Jessica Nowlan's debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women's Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>\"I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,\" Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn't realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>\"I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family,\" Nowlan said.\u003c/p>\n\u003cp>She's now on a six-year payment plan with the IRS to pay those back taxes, but there won't be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Coronavirus Resources ","tag":"resource"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they're accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>\"People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they've accumulated over the past few months,\" Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family's bank account — enough to provide a \"minimum basic standard of adequate care for a family of four.\"\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>\"There's no regulation, there's no licensing,\" Wieckowski said. \"It's nothing new — it's the crescendo now because there's so many more people that are financially vulnerable.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11831241/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","authors":["11672"],"categories":["news_1758","news_8"],"tags":["news_27510","news_27350","news_27504","news_20382","news_27701","news_18","news_20704","news_353","news_25522"],"featImg":"news_11831720","label":"news"},"news_11791185":{"type":"posts","id":"news_11791185","meta":{"index":"posts_1591205157","site":"news","id":"11791185","score":null,"sort":[1576281400000]},"guestAuthors":[],"slug":"the-for-profit-school-of-hard-knocks","title":"The (For-Profit) School of Hard Knocks","publishDate":1576281400,"format":"standard","headTitle":"Mark Fiore: Drawn to the Bay | KQED News","labelTerm":{"term":18515,"site":"news"},"content":"\u003cp>U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to \u003ca href=\"http://bit.ly/fioredevosdefraud\" target=\"_blank\" rel=\"noopener noreferrer\">still be on the hook\u003c/a> for student loans.\u003c/p>\n\u003cp>It's no secret that DeVos \u003ca href=\"https://www.americanprogress.org/issues/education-postsecondary/news/2017/01/27/297572/inside-the-financial-holdings-of-billionaire-betsy-devos/\" target=\"_blank\" rel=\"noopener noreferrer\">has a thing\u003c/a> for \u003ca href=\"https://www.washingtonpost.com/local/education/betsy-devos-to-the-rescue-for-profit-colleges-see-a-savior-in-secretary/2018/11/23/55066cfe-d3cb-11e8-8c22-fa2ef74bd6d6_story.html\" target=\"_blank\" rel=\"noopener noreferrer\">for-profit colleges\u003c/a>, but her current argument seems particularly cruel.\u003c/p>\n\u003cp>Her reasoning apparently goes like this: Even if you have a worthless diploma from a shady for-profit college that lied to you – if you are currently making money in any kind of job – you still have to pay back those loans for a fraudulent education since you must have gotten \u003cem>something\u003c/em> out of it.\u003c/p>\n\u003cp>. . . Or words to that effect.\u003c/p>\n\u003cp>Never mind that her own Department of Education seems to \u003ca href=\"https://www.kqed.org/news/11790670/betsy-devos-overruled-education-department-findings-on-defrauded-student-borrowers\" target=\"_blank\" rel=\"noopener noreferrer\">disagree with her\u003c/a>.\u003c/p>\n\u003cp>Keep in mind DeVos was appointed to her position by the namesake of Trump University, which paid a \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/03/31/522199535/judge-approves-25-million-settlement-of-trump-university-lawsuit\" target=\"_blank\" rel=\"noopener noreferrer\">$25 million settlement\u003c/a> to students who alleged they were defrauded by the for-profit \"university\" that sold real estate seminars.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to still be on the hook for student loans.","status":"publish","parent":0,"modified":1576281400,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":8,"wordCount":154},"headData":{"title":"The (For-Profit) School of Hard Knocks | KQED","description":"U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to still be on the hook for student loans.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"The (For-Profit) School of Hard Knocks","datePublished":"2019-12-13T23:56:40.000Z","dateModified":"2019-12-13T23:56:40.000Z","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":"11791185 https://ww2.kqed.org/news/?p=11791185","disqusUrl":"https://ww2.kqed.org/news/2019/12/13/the-for-profit-school-of-hard-knocks/","disqusTitle":"The (For-Profit) School of Hard Knocks","path":"/news/11791185/the-for-profit-school-of-hard-knocks","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to \u003ca href=\"http://bit.ly/fioredevosdefraud\" target=\"_blank\" rel=\"noopener noreferrer\">still be on the hook\u003c/a> for student loans.\u003c/p>\n\u003cp>It's no secret that DeVos \u003ca href=\"https://www.americanprogress.org/issues/education-postsecondary/news/2017/01/27/297572/inside-the-financial-holdings-of-billionaire-betsy-devos/\" target=\"_blank\" rel=\"noopener noreferrer\">has a thing\u003c/a> for \u003ca href=\"https://www.washingtonpost.com/local/education/betsy-devos-to-the-rescue-for-profit-colleges-see-a-savior-in-secretary/2018/11/23/55066cfe-d3cb-11e8-8c22-fa2ef74bd6d6_story.html\" target=\"_blank\" rel=\"noopener noreferrer\">for-profit colleges\u003c/a>, but her current argument seems particularly cruel.\u003c/p>\n\u003cp>Her reasoning apparently goes like this: Even if you have a worthless diploma from a shady for-profit college that lied to you – if you are currently making money in any kind of job – you still have to pay back those loans for a fraudulent education since you must have gotten \u003cem>something\u003c/em> out of it.\u003c/p>\n\u003cp>. . . Or words to that effect.\u003c/p>\n\u003cp>Never mind that her own Department of Education seems to \u003ca href=\"https://www.kqed.org/news/11790670/betsy-devos-overruled-education-department-findings-on-defrauded-student-borrowers\" target=\"_blank\" rel=\"noopener noreferrer\">disagree with her\u003c/a>.\u003c/p>\n\u003cp>Keep in mind DeVos was appointed to her position by the namesake of Trump University, which paid a \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/03/31/522199535/judge-approves-25-million-settlement-of-trump-university-lawsuit\" target=\"_blank\" rel=\"noopener noreferrer\">$25 million settlement\u003c/a> to students who alleged they were defrauded by the for-profit \"university\" that sold real estate seminars.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11791185/the-for-profit-school-of-hard-knocks","authors":["3236"],"series":["news_18515"],"categories":["news_18540","news_6188","news_8","news_13"],"tags":["news_20504","news_2924","news_25423","news_20949","news_20704","news_25523","news_21567"],"featImg":"news_11791199","label":"news_18515"},"news_11751924":{"type":"posts","id":"news_11751924","meta":{"index":"posts_1591205157","site":"news","id":"11751924","score":null,"sort":[1559509057000]},"guestAuthors":[],"slug":"could-capping-interest-rates-curb-poverty-rates-in-california","title":"Could Capping Interest Rates Curb Poverty Rates in California?","publishDate":1559509057,"format":"standard","headTitle":"CALmatters | KQED News","labelTerm":{},"content":"\u003cp>Last month, the Federal Reserve System \u003ca href=\"https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf\" target=\"_blank\" rel=\"noopener\">issued a report\u003c/a> on “the economic well-being of U.S. households,” and it contained a rather disturbing bit of data.\u003c/p>\n\u003cp>“If faced with an unexpected expense of $400,” a survey of American households found, “61% of adults say they would cover it with cash, savings, or a credit card paid off at the next statement – a modest improvement from the prior year.”\u003c/p>\n\u003cp>Turning that around, 39% of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit. The survey found that two-thirds of them “would borrow or sell something to pay for the expense” and the remainder “would not be able to cover the expense at all.”\u003c/p>\n\u003cp>[aside tag='predatory-lending' label='More on small-dollar credit']Not surprisingly, that 39% number coincides rather neatly – if unfortunately – with poverty in California.\u003c/p>\n\u003cp>The Census Bureau says that California has the nation’s highest level of poverty when the cost of living is included in the calculation, with about 20% of its 40 million residents impoverished. The Public Policy Institute of California, using a similar methodology, calculates that another 20% are living in “near-poverty.”\u003c/p>\n\u003cp>It’s not a stretch to conclude, therefore, that the 40% of Californians in economic distress probably are incapable of meeting a sudden $400 expense -- which brings us to \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\" rel=\"noopener\">Assembly Bill 539\u003c/a>, which passed the Assembly on a 60-4 vote on the same day that the Federal Reserve report was released.\u003c/p>\n\u003cp>The measure, carried by Assemblywoman Monique Limón, a Santa Barbara Democrat, is aimed at curbing the very high-interest loans that poor Californians often take out to meet their living costs because they are unable to qualify for conventional credit.\u003c/p>\n\u003cp>It would place a 36% annual interest rate cap on loans made by state-licensed lenders, more than a third of which have interest rates above 100%, according to the Department of Business Oversight.\u003c/p>\n\u003cp>Such ultra-high rates are, a legislative analysis of the bill says, “a relatively new phenomenon in California,” growing from 8,468 such loans in 2009 to more than 350,000 per year now, totaling more than $1 billion.\u003c/p>\n\u003cp>[aside tag='poverty' label='Poverty in California']Critics call it “predatory lending” that takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. Unable to afford the high payments such loans demand, their unpaid balances are often folded into new loans with high fees and interest.\u003c/p>\n\u003cp>Limón says she wants to affect the “small number of lenders” that specialize in such loans. “I’ve worked hard to find a compromise,” she told the Assembly, saying her bill would “benefit both consumers and responsible lenders alike.”\u003c/p>\n\u003cp>The legislation, now pending in the Senate, is clearly a sincere effort to protect the poor. However, it does nothing about the underlying fact that so many Californians live on the edges of financial precipices and turn to high-interest lenders in desperation when cars break down, when landlords demand rent, or when some other sudden expense rears its ugly head.\u003c/p>\n\u003cp>The bill is one of dozens of legislative measures that seek to alleviate the effects of California’s embarrassingly high poverty. There is, however, not nearly enough political action on poverty at the source -- such as building more housing to bring down its cost, getting more kids through high school, improving skills to fill well-paying jobs now going unfilled for a lack of trained workers, and/or making California more attractive to investment in more jobs.\u003c/p>\n\u003cp>We sometimes lose sight of the well-proven fact that the best anti-poverty program is a good job.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Thirty-nine percent of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit.","status":"publish","parent":0,"modified":1559605046,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":658},"headData":{"title":"Could Capping Interest Rates Curb Poverty Rates in California? | KQED","description":"Thirty-nine percent of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Could Capping Interest Rates Curb Poverty Rates in California?","datePublished":"2019-06-02T20:57:37.000Z","dateModified":"2019-06-03T23:37:26.000Z","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":"11751924 https://ww2.kqed.org/news/?p=11751924","disqusUrl":"https://ww2.kqed.org/news/2019/06/02/could-capping-interest-rates-curb-poverty-rates-in-california/","disqusTitle":"Could Capping Interest Rates Curb Poverty Rates in California?","source":"CALMATTERS","nprByline":"\u003cstrong>Dan Walters\u003c/strong>","path":"/news/11751924/could-capping-interest-rates-curb-poverty-rates-in-california","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Last month, the Federal Reserve System \u003ca href=\"https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf\" target=\"_blank\" rel=\"noopener\">issued a report\u003c/a> on “the economic well-being of U.S. households,” and it contained a rather disturbing bit of data.\u003c/p>\n\u003cp>“If faced with an unexpected expense of $400,” a survey of American households found, “61% of adults say they would cover it with cash, savings, or a credit card paid off at the next statement – a modest improvement from the prior year.”\u003c/p>\n\u003cp>Turning that around, 39% of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit. The survey found that two-thirds of them “would borrow or sell something to pay for the expense” and the remainder “would not be able to cover the expense at all.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"predatory-lending","label":"More on small-dollar credit "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Not surprisingly, that 39% number coincides rather neatly – if unfortunately – with poverty in California.\u003c/p>\n\u003cp>The Census Bureau says that California has the nation’s highest level of poverty when the cost of living is included in the calculation, with about 20% of its 40 million residents impoverished. The Public Policy Institute of California, using a similar methodology, calculates that another 20% are living in “near-poverty.”\u003c/p>\n\u003cp>It’s not a stretch to conclude, therefore, that the 40% of Californians in economic distress probably are incapable of meeting a sudden $400 expense -- which brings us to \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\" rel=\"noopener\">Assembly Bill 539\u003c/a>, which passed the Assembly on a 60-4 vote on the same day that the Federal Reserve report was released.\u003c/p>\n\u003cp>The measure, carried by Assemblywoman Monique Limón, a Santa Barbara Democrat, is aimed at curbing the very high-interest loans that poor Californians often take out to meet their living costs because they are unable to qualify for conventional credit.\u003c/p>\n\u003cp>It would place a 36% annual interest rate cap on loans made by state-licensed lenders, more than a third of which have interest rates above 100%, according to the Department of Business Oversight.\u003c/p>\n\u003cp>Such ultra-high rates are, a legislative analysis of the bill says, “a relatively new phenomenon in California,” growing from 8,468 such loans in 2009 to more than 350,000 per year now, totaling more than $1 billion.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"poverty","label":"Poverty in California "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Critics call it “predatory lending” that takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. Unable to afford the high payments such loans demand, their unpaid balances are often folded into new loans with high fees and interest.\u003c/p>\n\u003cp>Limón says she wants to affect the “small number of lenders” that specialize in such loans. “I’ve worked hard to find a compromise,” she told the Assembly, saying her bill would “benefit both consumers and responsible lenders alike.”\u003c/p>\n\u003cp>The legislation, now pending in the Senate, is clearly a sincere effort to protect the poor. However, it does nothing about the underlying fact that so many Californians live on the edges of financial precipices and turn to high-interest lenders in desperation when cars break down, when landlords demand rent, or when some other sudden expense rears its ugly head.\u003c/p>\n\u003cp>The bill is one of dozens of legislative measures that seek to alleviate the effects of California’s embarrassingly high poverty. There is, however, not nearly enough political action on poverty at the source -- such as building more housing to bring down its cost, getting more kids through high school, improving skills to fill well-paying jobs now going unfilled for a lack of trained workers, and/or making California more attractive to investment in more jobs.\u003c/p>\n\u003cp>We sometimes lose sight of the well-proven fact that the best anti-poverty program is a good job.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11751924/could-capping-interest-rates-curb-poverty-rates-in-california","authors":["byline_news_11751924"],"categories":["news_1758","news_8"],"tags":["news_69","news_18538","news_25866","news_1585","news_20704"],"affiliates":["news_18481"],"featImg":"news_11751927","label":"source_news_11751924"},"news_11747607":{"type":"posts","id":"news_11747607","meta":{"index":"posts_1591205157","site":"news","id":"11747607","score":null,"sort":[1558020144000]},"guestAuthors":[],"slug":"as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending","title":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'?","publishDate":1558020144,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>Elishia Benson already knew that a loan with a high interest rate could wreak havoc on her bank account.\u003c/p>\n\u003cp>She had borrowed before, including from \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">payday lenders\u003c/a>, which can legally only offer a maximum of $255. But four years ago, she felt like she was out of options.\u003c/p>\n\u003caside class=\"pullquote alignright\">'People don’t realize how disastrous it’s going to be. Most people are not that great at math.'\u003ccite>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates\u003c/cite>\u003c/aside>\n\u003cp>A self-described “autism” mom in Chula Vista, she didn’t have a job. What she did have: lots of debt, rent, car payments and utility bills.\u003c/p>\n\u003cp>So she went online and found Wilshire Consumer Credit — a company willing to loan her $2,510. Under the terms of the loan, Benson would pay $244 every month for three years or surrender her 2003 Ford Explorer.\u003c/p>\n\u003cp>“I have a daughter, a young child. I just wanted to make sure we were good,” she said. “I wasn’t really focused on the interest.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The annual rate on her loan: 112%.\u003c/p>\n\u003cp>Unlike in 38 other states, charging a triple-digit interest rate on many consumer loans is legal in California. In the state’s rapidly growing market for “subprime” consumer credit, loan terms like what Benson enouraged are increasingly common.\u003c/p>\n\u003cp>According to data the lending industry reported to state regulators, “small-dollar,” high-cost credit — loans of less than $10,000 with rates of over 100% — have swelled between 2009 and 2017, from 4% of the non-bank consumer lending market to nearly one-third.\u003c/p>\n\u003cp>Benson recalled making her payments on time for the first year and a half, cutting other expenses and repaying over $4,000, before deciding she “couldn’t do it anymore.” She went to the Legal Aid Society of San Diego, which said it identified a mistake on the loan agreement: Wilshire Consumer Credit had allegedly failed to disclose a $15 fee.\u003c/p>\n\u003cp>A lawyer for Westlake Financial Services, which controls Wilshire Consumer Credit, declined to confirm Benson’s account, saying settlement terms are confidential.\u003c/p>\n\u003cp>Benson said she got out from under her loan on a technicality, but most borrowers cannot.\u003c/p>\n\u003cp>High-cost lenders argue that their rates reflect the risk of lending to the state’s poorest borrowers — consumers often rejected by traditional banks.\u003c/p>\n\u003cp>“We are not pricing these products because we feel like it,” said Mary Jackson, CEO of the Online Lenders Alliance, a trade group. “We have to balance out the risk.”\u003c/p>\n\u003cp>But consumer advocates say that these lenders, which sometimes set rates exceeding 200%, profit off of borrowers’ desperation or lack of financial sophistication, and often make a bad situation worse. Now they’re backing a \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\">bill\u003c/a> by Assemblywoman Monique Limón, a Santa Barbara Democrat, that would set an interest-rate cap of roughly 38% for consumer loans between $2,500 and $10,000. With annual fees, the maximum cost could be as high as 45%.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/_/rV3DdTNjm6xd3wQmVCu4?src=embed\" title=\"Plus100\" width=\"550\" height=\"1430\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>Opponents say the cap would push lenders out of the market, forcing borrowers to turn to illegal lenders — or to forgo credit entirely.\u003c/p>\n\u003cp>But some consumer groups say there are worse things than being unable to borrow.\u003c/p>\n\u003cp>“Access to credit is only a good thing when it’s affordable, sustainable credit, not credit that is going to ruin your life,” said Lauren Saunders from the National Consumer Law Center.\u003c/p>\n\u003cp>Since the Great Recession, the business of extending pricey credit to the state’s poorest borrowers has been booming.\u003c/p>\n\u003cp>In 2009, lenders regulated by the California Financing Law, which include all non-bank creditors except payday lenders, doled out $26 million in small loans with triple-digit interest rates. In less than a decade, that total skyrocketed to over $1 billion — a 40-fold increase.\u003c/p>\n\u003cp>Many of these high-cost lenders demand cars as collateral. Others specialize in unsecured installment loans, handing out cash, and making up the difference with higher rates and aggressive collections practices. Virtually all recent growth in this market has been in the $2,500 to $5,000 range.\u003c/p>\n\u003cp>That isn’t an accident, but a response to California’s patchwork regulatory system, which puts tight price caps on certain loans while leaving rates on others unregulated.\u003c/p>\n\u003cp>Under state law, ultra short-term payday loans can carry annualized interest costs of 450%, but they cannot exceed $255. Larger loans are subject to a cap of around 30% — but only up to $2,500.\u003c/p>\n\u003cp>For increments above that, there’s no legal limit.\u003c/p>\n\u003cp>“There’s sort of an artificial boundary in California where a lot of the lenders have an incentive to operate right around that $2,500 mark,” said Nick Bourke, a consumer finance researcher at Pew Charitable Trusts. It also gives lenders a reason to \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2015/CashCall%20Restitution%20Announcement%2011-18-15.asp\" target=\"_blank\">convince\u003c/a> those who “might be more interested in taking a $1,000 loan” to borrow more.\u003c/p>\n\u003cp>Lauren Muntasir, a single grandmother from the East Bay city of Richmond, said she only needed an extra $1,000 when her car transmission died last spring. When she turned to LoanMe, one of the largest high-cost consumer lenders in the state, she said they told her the minimum was just over $2,500.\u003c/p>\n\u003cp>State \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2018/CFL%20Triple-Digit%20APR%20Leaders%202017.pdf\" target=\"_blank\">data\u003c/a> shows that 99.7% of LoanMe’s loans between $2,500 and $9,999 carried triple-digit annual percentage rates in 2017.\u003c/p>\n\u003cp>[aside label=\"related\" tag=\"payday-lending\"]\u003c/p>\n\u003cp>Muntasir took it anyway: “You can’t look at no hungry baby,” she said.\u003c/p>\n\u003cp>While lenders attribute the rise of these loans to \u003ca href=\"https://www.latimes.com/projects/la-fi-reddam-cashcall-loanme/\" target=\"_blank\" rel=\"noopener\">innovation\u003c/a>, critics say it resulted from regulators under the Obama administration turning against payday lenders.\u003c/p>\n\u003cp>“The increased scrutiny and limitations placed by federal agencies has encouraged the industry to look more toward installment lending,” said Quyen Truong, former assistant director of the Consumer Financial Protection Bureau. The Trump administration is now attempting to reverse some of those limitations, even as progressives in Congress \u003ca href=\"https://theintercept.com/2019/05/09/alexandria-ocasio-cortez-bernie-sanders-bank-legislation/\" target=\"_blank\">push\u003c/a> for tighter rules.\u003c/p>\n\u003cp>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates, a legal-aid provider in Oakland, has seen a four-year increase in the number of clients staggering under larger-than-needed loans with triple-digit interest rates.\u003c/p>\n\u003cp>“People don’t realize how disastrous it’s going to be,” she said. “Most people are not that great at math.”\u003c/p>\n\u003cp>The industry’s argument: If someone decides to take out a particular loan, the state shouldn’t get in the way.\u003c/p>\n\u003cp>“There’s a misunderstanding of who the average borrower is,” said Roger Salazar, spokesman for Californians for Credit Access, a coalition of small-loan lenders. “They’re working folks who are smart and understand what the product is.”\u003c/p>\n\u003cp>At a state Assembly committee hearing last month, some borrowers spoke against Limón’s bill, arguing that high-cost loans, though expensive, helped them weather difficult financial times.\u003c/p>\n\u003cp>But other borrowers report being stunned by the steep cost of their loans. Muntasir from Richmond said that she cried when she realized the total amount she would be expected to pay (she eventually defaulted). Even for those who understand the terms, the math of compound interest can be deceiving.\u003c/p>\n\u003cp>Angela Garcia, a 35-year-old single mother from South Gate in southeast Los Angeles, recalls the feeling of throwing hundreds of dollars, month after month, at a problem that never quite seemed to get smaller. She called it a “nightmare.”\u003c/p>\n\u003cp>Garcia, who now works as a medical assistant at Kaiser Permanente, said she was unemployed when she took out her car title loan. She had six kids. Gas prices were high. Christmas was coming. Credit seemed like the only option — and it was ubiquitous.\u003c/p>\n\u003cp>“Everywhere you drive you see these freaking signs: ‘Get a loan,’ ‘Get a loan,’ ‘Get a loan,” she said. “It sounds great. It sounds like, ‘well, shoot, if they’re willing to help me, why not?’ But no. It’s not. They’re not helping you at all.”\u003c/p>\n\u003cp>In 2014, Garcia borrowed $3,200 from LoanMart. She remembers sitting in her kitchen one morning when she heard the sound of jangling chains on the street. She said she raced outside to grab her toddler’s car seat before her Chevy Suburban was towed away.\u003c/p>\n\u003cp>Garcia said she remembers spending hundreds each month, but doesn’t recall the loan’s exact percentage rate.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/229fba0d-20d2-42cb-a048-aea188605ca3?src=embed\" title=\"Where the money goes\" width=\"550\" height=\"1633\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>That’s not uncommon, said Rosie Papazian, who manages the personal finance program at New Economics for Women, a Los Angeles non-profit. Many clients are reluctant to dig into the details of their own financial situation, either out of shame or a lack of understanding.\u003c/p>\n\u003cp>“They think, ‘Gosh, it’s been three years and I’m still paying off this loan and I don’t really know why.’”\u003c/p>\n\u003cp>A third of high-cost loans end in default, according to one legislative analysis.\u003c/p>\n\u003cp>Consumer advocates say there would be fewer defaults — which can trash a borrower’s credit score even as collections agencies continue to seek repayment — if only lenders offered lower rates. Lenders counter that so many of their borrowers fail to pay back the loans because they are, by definition, in dire financial straits.\u003c/p>\n\u003cp>“Nobody wants to run a lending operation that has a high number of defaults,” said Salazar. But “it’s a risky customer base,” she noted.\u003c/p>\n\u003cp>Even if roughly 40% of customers are defaulting — as is the case with CashCall, according to court \u003ca href=\"https://www.courtlistener.com/recap/gov.uscourts.cand.204763.170.0.pdf\" target=\"_blank\">documents\u003c/a> from an ongoing class-action lawsuit against the lender — the remaining 60% are using the product “effectively,” said Jackson of the Online Lenders Association.\u003c/p>\n\u003cp>She added that the proposed rate cap would make it impossible for her members to lend to the most financially desperate customers.\u003c/p>\n\u003cp>“People find ways to work around some prohibition. Look at what happened when we banned alcohol,” she said.\u003c/p>\n\u003cp>One 2016 \u003ca href=\"https://www.journals.uchicago.edu/doi/10.1086/686033\" target=\"_blank\">study\u003c/a> found that states where payday loan restrictions went into effect saw a 60 percent increase in pawnshop loans, which are typically more expensive. Another \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1032621\" target=\"_blank\">study\u003c/a> found more bounced checks, more complaints of abusive lending, more bankruptcy.\u003c/p>\n\u003cp>Tatiana Homonoff, a New York University professor and an author of the 2016 study, said the response to a bill like Limón’s could be different, since payday loans are smaller and have a wider array of substitutes. But it’s important to think through the consequences, she said: “When these loans aren’t available, what do people do instead?”\u003c/p>\n\u003cp>Here’s how state Sen. Ben Hueso, a moderate Democrat from San Diego County who opposes a rate cap, framed the dilemma:\u003c/p>\n\u003cp>“What do I prefer?” he said. “That we have people that are defaulting on loans? Or people that are getting their knees broken?”\u003c/p>\n\u003cp>Not everyone agrees that lenders need to charge triple-digit interest rates to serve low-income borrowers. That includes some lenders.\u003c/p>\n\u003cp>If Limón’s bill were to become law “collectively we will be able to serve those consumers,” said Ezra Garrett, a vice president at Oportun, one of the more than a dozen lenders in California who offer consumer loans between $300 and $2,500, subjecting themselves to the state’s tight-interest caps.\u003c/p>\n\u003cp>But high-cost lenders argue the Oportuns of the state would not be able to profitably serve the state’s riskiest borrowers.\u003c/p>\n\u003cp>Last year, two state rate-cap bills \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">failed\u003c/a> — stymied by a coalition of Republicans and business-friendly Democrats. But the political climate has shifted.\u003c/p>\n\u003cp>Last August, the state Supreme Court \u003ca href=\"https://law.justia.com/cases/california/supreme-court/2018/s241434.html\" target=\"_blank\">raised\u003c/a> new questions about the legality of high-cost loans — without specifying what interest threshold would be too much. There’s also some anxiety over a potential ballot fight, which Garrett called the “sledgehammer approach.” The prospect of unending litigation or voter-imposed mandates has pushed more lenders, including OneMain Financial and Lendmark Financial Services, to back Limón’s bill.\u003c/p>\n\u003cp>In the first quarter of this year, lenders opposed to the bill have outspent those in favor on lobbying by more than 3-to-1. But for now, the political odds may have tilted in the bill’s favor.\u003c/p>\n\u003cp>Assembly Speaker Anthony Rendon has called such loans “salt water in the desert —a thirsty person will drink it, but they will not be better off.”\u003c/p>\n\u003cp>With so much support in the Assembly, lobbyists on both sides are preparing for the real fight in the Senate, where moderate Democrats skeptical of the proposal are well represented in the Banking and Finance Committee. Tom Dresslar, a retired deputy commissioner at the Department of Business Oversight, called that committee “the industry’s last best hope to preserve this system of exploitation.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>CALmatters.org is a nonprofit, nonpartisan media venture explaining California policies and politics.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"Loans of less than $10,000 with rates of over 100% have swelled dramatically in California. Pending state legislation would set a much lower cap.\r\n","status":"publish","parent":0,"modified":1558020998,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":66,"wordCount":2236},"headData":{"title":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'? | KQED","description":"Loans of less than $10,000 with rates of over 100% have swelled dramatically in California. Pending state legislation would set a much lower cap.\r\n","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'?","datePublished":"2019-05-16T15:22:24.000Z","dateModified":"2019-05-16T15:36:38.000Z","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":"11747607 https://ww2.kqed.org/news/?p=11747607","disqusUrl":"https://ww2.kqed.org/news/2019/05/16/as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending/","disqusTitle":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'?","source":"CALmatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003ca href=\"https://calmatters.org/articles/author/ben-christopher/\" target=\"_blank\">Ben Christopher\u003c/a>","path":"/news/11747607/as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Elishia Benson already knew that a loan with a high interest rate could wreak havoc on her bank account.\u003c/p>\n\u003cp>She had borrowed before, including from \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">payday lenders\u003c/a>, which can legally only offer a maximum of $255. But four years ago, she felt like she was out of options.\u003c/p>\n\u003caside class=\"pullquote alignright\">'People don’t realize how disastrous it’s going to be. Most people are not that great at math.'\u003ccite>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates\u003c/cite>\u003c/aside>\n\u003cp>A self-described “autism” mom in Chula Vista, she didn’t have a job. What she did have: lots of debt, rent, car payments and utility bills.\u003c/p>\n\u003cp>So she went online and found Wilshire Consumer Credit — a company willing to loan her $2,510. Under the terms of the loan, Benson would pay $244 every month for three years or surrender her 2003 Ford Explorer.\u003c/p>\n\u003cp>“I have a daughter, a young child. I just wanted to make sure we were good,” she said. “I wasn’t really focused on the interest.”\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 annual rate on her loan: 112%.\u003c/p>\n\u003cp>Unlike in 38 other states, charging a triple-digit interest rate on many consumer loans is legal in California. In the state’s rapidly growing market for “subprime” consumer credit, loan terms like what Benson enouraged are increasingly common.\u003c/p>\n\u003cp>According to data the lending industry reported to state regulators, “small-dollar,” high-cost credit — loans of less than $10,000 with rates of over 100% — have swelled between 2009 and 2017, from 4% of the non-bank consumer lending market to nearly one-third.\u003c/p>\n\u003cp>Benson recalled making her payments on time for the first year and a half, cutting other expenses and repaying over $4,000, before deciding she “couldn’t do it anymore.” She went to the Legal Aid Society of San Diego, which said it identified a mistake on the loan agreement: Wilshire Consumer Credit had allegedly failed to disclose a $15 fee.\u003c/p>\n\u003cp>A lawyer for Westlake Financial Services, which controls Wilshire Consumer Credit, declined to confirm Benson’s account, saying settlement terms are confidential.\u003c/p>\n\u003cp>Benson said she got out from under her loan on a technicality, but most borrowers cannot.\u003c/p>\n\u003cp>High-cost lenders argue that their rates reflect the risk of lending to the state’s poorest borrowers — consumers often rejected by traditional banks.\u003c/p>\n\u003cp>“We are not pricing these products because we feel like it,” said Mary Jackson, CEO of the Online Lenders Alliance, a trade group. “We have to balance out the risk.”\u003c/p>\n\u003cp>But consumer advocates say that these lenders, which sometimes set rates exceeding 200%, profit off of borrowers’ desperation or lack of financial sophistication, and often make a bad situation worse. Now they’re backing a \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\">bill\u003c/a> by Assemblywoman Monique Limón, a Santa Barbara Democrat, that would set an interest-rate cap of roughly 38% for consumer loans between $2,500 and $10,000. With annual fees, the maximum cost could be as high as 45%.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/_/rV3DdTNjm6xd3wQmVCu4?src=embed\" title=\"Plus100\" width=\"550\" height=\"1430\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>Opponents say the cap would push lenders out of the market, forcing borrowers to turn to illegal lenders — or to forgo credit entirely.\u003c/p>\n\u003cp>But some consumer groups say there are worse things than being unable to borrow.\u003c/p>\n\u003cp>“Access to credit is only a good thing when it’s affordable, sustainable credit, not credit that is going to ruin your life,” said Lauren Saunders from the National Consumer Law Center.\u003c/p>\n\u003cp>Since the Great Recession, the business of extending pricey credit to the state’s poorest borrowers has been booming.\u003c/p>\n\u003cp>In 2009, lenders regulated by the California Financing Law, which include all non-bank creditors except payday lenders, doled out $26 million in small loans with triple-digit interest rates. In less than a decade, that total skyrocketed to over $1 billion — a 40-fold increase.\u003c/p>\n\u003cp>Many of these high-cost lenders demand cars as collateral. Others specialize in unsecured installment loans, handing out cash, and making up the difference with higher rates and aggressive collections practices. Virtually all recent growth in this market has been in the $2,500 to $5,000 range.\u003c/p>\n\u003cp>That isn’t an accident, but a response to California’s patchwork regulatory system, which puts tight price caps on certain loans while leaving rates on others unregulated.\u003c/p>\n\u003cp>Under state law, ultra short-term payday loans can carry annualized interest costs of 450%, but they cannot exceed $255. Larger loans are subject to a cap of around 30% — but only up to $2,500.\u003c/p>\n\u003cp>For increments above that, there’s no legal limit.\u003c/p>\n\u003cp>“There’s sort of an artificial boundary in California where a lot of the lenders have an incentive to operate right around that $2,500 mark,” said Nick Bourke, a consumer finance researcher at Pew Charitable Trusts. It also gives lenders a reason to \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2015/CashCall%20Restitution%20Announcement%2011-18-15.asp\" target=\"_blank\">convince\u003c/a> those who “might be more interested in taking a $1,000 loan” to borrow more.\u003c/p>\n\u003cp>Lauren Muntasir, a single grandmother from the East Bay city of Richmond, said she only needed an extra $1,000 when her car transmission died last spring. When she turned to LoanMe, one of the largest high-cost consumer lenders in the state, she said they told her the minimum was just over $2,500.\u003c/p>\n\u003cp>State \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2018/CFL%20Triple-Digit%20APR%20Leaders%202017.pdf\" target=\"_blank\">data\u003c/a> shows that 99.7% of LoanMe’s loans between $2,500 and $9,999 carried triple-digit annual percentage rates in 2017.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"related ","tag":"payday-lending"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Muntasir took it anyway: “You can’t look at no hungry baby,” she said.\u003c/p>\n\u003cp>While lenders attribute the rise of these loans to \u003ca href=\"https://www.latimes.com/projects/la-fi-reddam-cashcall-loanme/\" target=\"_blank\" rel=\"noopener\">innovation\u003c/a>, critics say it resulted from regulators under the Obama administration turning against payday lenders.\u003c/p>\n\u003cp>“The increased scrutiny and limitations placed by federal agencies has encouraged the industry to look more toward installment lending,” said Quyen Truong, former assistant director of the Consumer Financial Protection Bureau. The Trump administration is now attempting to reverse some of those limitations, even as progressives in Congress \u003ca href=\"https://theintercept.com/2019/05/09/alexandria-ocasio-cortez-bernie-sanders-bank-legislation/\" target=\"_blank\">push\u003c/a> for tighter rules.\u003c/p>\n\u003cp>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates, a legal-aid provider in Oakland, has seen a four-year increase in the number of clients staggering under larger-than-needed loans with triple-digit interest rates.\u003c/p>\n\u003cp>“People don’t realize how disastrous it’s going to be,” she said. “Most people are not that great at math.”\u003c/p>\n\u003cp>The industry’s argument: If someone decides to take out a particular loan, the state shouldn’t get in the way.\u003c/p>\n\u003cp>“There’s a misunderstanding of who the average borrower is,” said Roger Salazar, spokesman for Californians for Credit Access, a coalition of small-loan lenders. “They’re working folks who are smart and understand what the product is.”\u003c/p>\n\u003cp>At a state Assembly committee hearing last month, some borrowers spoke against Limón’s bill, arguing that high-cost loans, though expensive, helped them weather difficult financial times.\u003c/p>\n\u003cp>But other borrowers report being stunned by the steep cost of their loans. Muntasir from Richmond said that she cried when she realized the total amount she would be expected to pay (she eventually defaulted). Even for those who understand the terms, the math of compound interest can be deceiving.\u003c/p>\n\u003cp>Angela Garcia, a 35-year-old single mother from South Gate in southeast Los Angeles, recalls the feeling of throwing hundreds of dollars, month after month, at a problem that never quite seemed to get smaller. She called it a “nightmare.”\u003c/p>\n\u003cp>Garcia, who now works as a medical assistant at Kaiser Permanente, said she was unemployed when she took out her car title loan. She had six kids. Gas prices were high. Christmas was coming. Credit seemed like the only option — and it was ubiquitous.\u003c/p>\n\u003cp>“Everywhere you drive you see these freaking signs: ‘Get a loan,’ ‘Get a loan,’ ‘Get a loan,” she said. “It sounds great. It sounds like, ‘well, shoot, if they’re willing to help me, why not?’ But no. It’s not. They’re not helping you at all.”\u003c/p>\n\u003cp>In 2014, Garcia borrowed $3,200 from LoanMart. She remembers sitting in her kitchen one morning when she heard the sound of jangling chains on the street. She said she raced outside to grab her toddler’s car seat before her Chevy Suburban was towed away.\u003c/p>\n\u003cp>Garcia said she remembers spending hundreds each month, but doesn’t recall the loan’s exact percentage rate.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/229fba0d-20d2-42cb-a048-aea188605ca3?src=embed\" title=\"Where the money goes\" width=\"550\" height=\"1633\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>That’s not uncommon, said Rosie Papazian, who manages the personal finance program at New Economics for Women, a Los Angeles non-profit. Many clients are reluctant to dig into the details of their own financial situation, either out of shame or a lack of understanding.\u003c/p>\n\u003cp>“They think, ‘Gosh, it’s been three years and I’m still paying off this loan and I don’t really know why.’”\u003c/p>\n\u003cp>A third of high-cost loans end in default, according to one legislative analysis.\u003c/p>\n\u003cp>Consumer advocates say there would be fewer defaults — which can trash a borrower’s credit score even as collections agencies continue to seek repayment — if only lenders offered lower rates. Lenders counter that so many of their borrowers fail to pay back the loans because they are, by definition, in dire financial straits.\u003c/p>\n\u003cp>“Nobody wants to run a lending operation that has a high number of defaults,” said Salazar. But “it’s a risky customer base,” she noted.\u003c/p>\n\u003cp>Even if roughly 40% of customers are defaulting — as is the case with CashCall, according to court \u003ca href=\"https://www.courtlistener.com/recap/gov.uscourts.cand.204763.170.0.pdf\" target=\"_blank\">documents\u003c/a> from an ongoing class-action lawsuit against the lender — the remaining 60% are using the product “effectively,” said Jackson of the Online Lenders Association.\u003c/p>\n\u003cp>She added that the proposed rate cap would make it impossible for her members to lend to the most financially desperate customers.\u003c/p>\n\u003cp>“People find ways to work around some prohibition. Look at what happened when we banned alcohol,” she said.\u003c/p>\n\u003cp>One 2016 \u003ca href=\"https://www.journals.uchicago.edu/doi/10.1086/686033\" target=\"_blank\">study\u003c/a> found that states where payday loan restrictions went into effect saw a 60 percent increase in pawnshop loans, which are typically more expensive. Another \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1032621\" target=\"_blank\">study\u003c/a> found more bounced checks, more complaints of abusive lending, more bankruptcy.\u003c/p>\n\u003cp>Tatiana Homonoff, a New York University professor and an author of the 2016 study, said the response to a bill like Limón’s could be different, since payday loans are smaller and have a wider array of substitutes. But it’s important to think through the consequences, she said: “When these loans aren’t available, what do people do instead?”\u003c/p>\n\u003cp>Here’s how state Sen. Ben Hueso, a moderate Democrat from San Diego County who opposes a rate cap, framed the dilemma:\u003c/p>\n\u003cp>“What do I prefer?” he said. “That we have people that are defaulting on loans? Or people that are getting their knees broken?”\u003c/p>\n\u003cp>Not everyone agrees that lenders need to charge triple-digit interest rates to serve low-income borrowers. That includes some lenders.\u003c/p>\n\u003cp>If Limón’s bill were to become law “collectively we will be able to serve those consumers,” said Ezra Garrett, a vice president at Oportun, one of the more than a dozen lenders in California who offer consumer loans between $300 and $2,500, subjecting themselves to the state’s tight-interest caps.\u003c/p>\n\u003cp>But high-cost lenders argue the Oportuns of the state would not be able to profitably serve the state’s riskiest borrowers.\u003c/p>\n\u003cp>Last year, two state rate-cap bills \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">failed\u003c/a> — stymied by a coalition of Republicans and business-friendly Democrats. But the political climate has shifted.\u003c/p>\n\u003cp>Last August, the state Supreme Court \u003ca href=\"https://law.justia.com/cases/california/supreme-court/2018/s241434.html\" target=\"_blank\">raised\u003c/a> new questions about the legality of high-cost loans — without specifying what interest threshold would be too much. There’s also some anxiety over a potential ballot fight, which Garrett called the “sledgehammer approach.” The prospect of unending litigation or voter-imposed mandates has pushed more lenders, including OneMain Financial and Lendmark Financial Services, to back Limón’s bill.\u003c/p>\n\u003cp>In the first quarter of this year, lenders opposed to the bill have outspent those in favor on lobbying by more than 3-to-1. But for now, the political odds may have tilted in the bill’s favor.\u003c/p>\n\u003cp>Assembly Speaker Anthony Rendon has called such loans “salt water in the desert —a thirsty person will drink it, but they will not be better off.”\u003c/p>\n\u003cp>With so much support in the Assembly, lobbyists on both sides are preparing for the real fight in the Senate, where moderate Democrats skeptical of the proposal are well represented in the Banking and Finance Committee. Tom Dresslar, a retired deputy commissioner at the Department of Business Oversight, called that committee “the industry’s last best hope to preserve this system of exploitation.”\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>CALmatters.org is a nonprofit, nonpartisan media venture explaining California policies and politics.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11747607/as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending","authors":["byline_news_11747607"],"categories":["news_1758","news_8","news_13"],"tags":["news_23853","news_20704"],"featImg":"news_11747632","label":"source_news_11747607"},"news_11684428":{"type":"posts","id":"news_11684428","meta":{"index":"posts_1591205157","site":"news","id":"11684428","score":null,"sort":[1533253723000]},"guestAuthors":[],"slug":"once-again-california-lawmakers-wont-crack-down-on-payday-lenders","title":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders","publishDate":1533253723,"format":"standard","headTitle":"CALmatters | KQED News","labelTerm":{},"content":"\u003cp>When phone bank worker Melissa Mendez, age 26, felt financially squeezed a few months ago, she walked into a Cash 1 storefront in Sacramento and took out a payday loan. The annual interest rate: 460 percent.\u003c/p>\n\u003cp>“I was short on cash and needed to pay rent,\" Mendez said.\u003c/p>\n\u003cp>That rate would shock a lot of people. Not Mendez, who once worked behind the counter at an outpost of the lending giant Advance America. She had fielded applications for short-term loans from all sorts of people: seniors needing more money because their Social Security check wasn’t cutting it, people in between jobs and waiting for a first paycheck, and people like herself, lacking enough savings to get to the end of the month.\u003c/p>\n\u003cp>Unlike Mendez, many desperate people don’t know what they’re signing on to — often agreeing to aggressive collection practices, inflexible repayment options and exorbitant interest. “They just point at stuff and walk through it really fast,” she said. “A lot of people just see the money and they don’t see the interest rates.”\u003c/p>\n\u003cp>In California, \u003ca href=\"http://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2014/state-payday-loan-regulation-and-usage-rates\" target=\"_blank\" rel=\"noopener\">1 in 20 people\u003c/a> a year take out a payday loan, amounting to $2.9 billion annually. Payday lending has grown into a multi-billion-dollar industry, fueled by triple-digit interest rates, steep transaction fees and the pervasiveness of its hundreds of stores across the state.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>One Cal State study found California now has \u003ca href=\"http://www.csun.edu/~sg4002/research/mcdonalds_by_state.htm\" target=\"_blank\" rel=\"noopener\">more payday lenders than it does McDonald’s.\u003c/a>\u003c/p>\n\u003cp>Yet while some states ban payday loan storefronts completely or significantly restrict their operations, California is one of 26 states allowing loans with annual percentage rates higher than 391 percent on loans that must be fully repaid within two weeks. Otherwise, borrowers face collection calls, overdrafting their accounts or even a court order when they default.\u003c/p>\n\u003cp>Given the opportunity to crack down on predatory lending, the California Legislature has buried at least five bills intended to curb the practice. These would have capped interest rates on loans, extended repayment time or offered installment plans to borrowers. Among them:\u003c/p>\n\u003cp>• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB3010\" target=\"_blank\" rel=\"noopener\">AB 3010:\u003c/a> Authored in 2018 by Assemblywoman Monique Limón, D-Goleta, it sought to restrict people from taking out more than one payday loan at a time, and proposed creating a database requiring licensed lenders to record their loan transactions. Without the votes, Limón pulled the bill.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB2953\" target=\"_blank\" rel=\"noopener\">AB 2953:\u003c/a> Also authored by Limón in 2018, it aimed to stop lenders from charging more than 36 percent on auto-title loans, also known as pink-slip loans, but failed to secure enough votes to advance in the Senate.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180AB2500\" target=\"_blank\" rel=\"noopener\">AB 2500:\u003c/a> Authored in 2018 by Assemblyman Ash Kalra, D-San Jose, the bill aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It died on the Assembly floor.\u003cbr>\n• \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120SB365\" target=\"_blank\" rel=\"noopener\">SB 365:\u003c/a> Authored by Sen. Alan Lowenthal, D-Long Beach, in 2011, the bill proposed creating a payday loan database, but it also languished.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201320140SB515\" target=\"_blank\" rel=\"noopener\">SB 515:\u003c/a> This 2014 bill by Sen. Hannah-Beth Jackson, D-Santa Barbara, aimed to extend the minimum length of a payday loan and require lenders to offer installment plans, as well as develop a database and cap loans at four per year per borrower. It died in committee.\u003c/p>\n\u003cp>Limón said this year, as in previous years, the billion-dollar lending industry has gotten its way. Both of her bills faced heavy opposition early on, and she refused to make changes that would have mollified the industry.\u003c/p>\n\u003cp>But this year’s effort was “historic” in that it was the first time bills of this sort passed out of their originating houses, she told CALmatters.\u003c/p>\n\u003cp>“We knew this was something that was going to push the envelope, but we felt it was important to introduce this,” Limón said. “So long as there is a problem, I think California will be having a discussion about it.”\u003c/p>\n\u003cp>Among those voting against Limón’s AB 3010 was Assemblyman Kevin Kiley, a Roseville Republican. After questioning the notion of limiting each person to one payday loan, he said creation of a database “seems like quite an undertaking. There’s privacy concerns, apparently issues of reliability, potential liability for the state.”\u003c/p>\n\u003cp>Other states have taken firmer steps in recent years to cut down on predatory lending. New York prohibits payday lending through criminal usury statutes, which outlaw loan interest of 25 percent or more. Arkansas’s state constitution caps rates at 17 percent. Most other states that have a ceiling limit lenders to 36 percent.\u003c/p>\n\u003cp>“[California] needs to innovate in order to bring in lower prices for consumers,” said Nick Bourke, director of consumer finance at Pew Charitable Trusts, which has studied predatory lending nationwide.\u003c/p>\n\u003cp>“Conventional payday loans are not helping them when the problem comes back two weeks later. If credit is going to be part of the solution, the only way is if it’s structured to be installments with affordable rates.”\u003c/p>\n\u003cp>But payday and pink-slip lending companies argue that what might look predatory is in reality just operators in a risky business protecting themselves from customers happy to take their money but sometimes negligent about paying it back.\u003c/p>\n\u003cp>The California Financial Service Providers Association, the industry group that opposed Kalra’s bill, argued that lowering rates would hurt their profit margins and cause them to throttle back on issuing loans — driving consumers into the hands of unregulated lenders and services. The association represents some of the largest payday lenders in the country, including Advance America.\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter wp-image-11684459 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg\" alt=\"\" width=\"800\" height=\"1868\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-160x374.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1020x2382.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-514x1200.jpg 514w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1920x4484.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1180x2756.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-960x2242.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-240x560.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-375x876.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-520x1214.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Advance America operates more than 2,000 stores in the U.S. and since 2004 has spent more than $1 million lobbying in California alone. The company did not respond to requests for comment.\u003c/p>\n\u003cp>“Investors consider the type of lending our member businesses conduct to be high-risk, resulting in a substantial cost for our members to borrow money that they ultimately lend to consumers,” the trade association wrote.\u003c/p>\n\u003cp>\"Additionally, our member businesses are in the communities they service and have significant premise and operating costs. Additionally, labor costs, the cost of underwriting and compliance, the cost of credit reporting and the cost of defaults, all drive up the price of delivering the product to the consumer.”\u003c/p>\n\u003cp>In California, consumers can take out a payday loan of up to $300 — actually only worth $255 when you factor in a $45 fee — that in most cases must be repaid in full in two weeks. But a borrower who can’t make the full payment frequently takes out another loan to keep covering other ongoing costs — and the cycle escalates. In 2016, 83 percent of the 11.5 million payday loans were taken out by a repeat borrower, a practice known as loan stacking.\u003c/p>\n\u003cp>The annual percentage rate, a way of measuring of how much the loan will cost in interest over a year, gives an idea of how much a borrower will end up paying if the loan remains unpaid for one year. So at an annual percentage rate of 460 percent, someone taking out $300 can end up paying back $1,380 in that year, not to mention fees that multiply on each additional loan.\u003c/p>\n\u003cp>So who uses payday loans?\u003c/p>\n\u003cp>Because they don’t require a credit score as prerequisite, they appeal to cash-strapped borrowers who can’t go to a regular bank. Payday lenders require only income and a checking account to hand out these loans.\u003c/p>\n\u003cp>State analysis also\u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\"> found\u003c/a> payday lender storefronts are concentrated in places with high family poverty.\u003c/p>\n\u003cp>“A lot of families in California are suffering from income volatility and lack of emergency savings. California has a very real problem because conventional payday loans are really harming people more than helping people,” Bourke said.\u003c/p>\n\u003cp>More than 60 percent of payday storefronts are located in zip codes with \u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\">higher family poverty rates\u003c/a> than the rest of the state, according to California’s Department of Business Oversight. And nearly half are located where the poverty rate for African-Americans and Latinos is higher than the statewide poverty rate for those groups. Most borrowers make an average annual income between $10,000 to $40,000.\u003c/p>\n\u003cp>The state says the \u003ca href=\"http://www.dbo.ca.gov/Licensees/Payday_Lenders/pdfs/Annual%20Report%20CDDTL%202017%20Final.pdf\" target=\"_blank\" rel=\"noopener\">average\u003c/a> interest rate for payday loan transactions was 377 percent last year — a slight increase over what it was the previous year. Licensed lenders reported collecting $436.4 million in fees — 70 percent of that from borrowers who took out seven or more loans that year.\u003c/p>\n\u003cp>On average, Californians take out a loan of $250, but the often-unaffordable interest rates sometimes corner them into paying a fee to roll into another loan and extend the terms.\u003c/p>\n\u003cp>There are other options if borrowers need quick cash beyond the payday loan amount of $300 — but they come with different risks.\u003c/p>\n\u003cp>In 2013, the state \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Responsible_Small_Dollar_Loans/default.asp\" target=\"_blank\" rel=\"noopener\">created\u003c/a> a small-dollar loan program to regulate loans between $300 and $2,500. The state caps interest on those loans between 20 and 30 percent, but any loan above $2,500 is the “real Wild, Wild West,” said Graciela Aponte-Diaz, California policy director at the Center for Responsible Lending, a nonprofit focused on consumer lending.\u003c/p>\n\u003cp>“Loans between $2,500 to $5,000 have a 100 percent (annual interest rate). It’s detrimental for families who can’t pay it back, and 40 percent default,” she said.\u003c/p>\n\u003cp>The Center for Responsible Lending this year sponsored the Kalra bill, which unsuccessfully aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It recently died on the Assembly floor.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“It has a lot to do with the industry and how much money they’re putting into efforts to killing it,” Aponte-Diaz added. “They hire all the top lobby firms to kill our bills.”\u003c/p>\n\n","blocks":[],"excerpt":"A study found California has more payday lenders than it does McDonald’s, yet the state is one of 26 allowing loans with annual percentage rates higher than 391 percent.","status":"publish","parent":0,"modified":1533253842,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":38,"wordCount":1694},"headData":{"title":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders | KQED","description":"A study found California has more payday lenders than it does McDonald’s, yet the state is one of 26 allowing loans with annual percentage rates higher than 391 percent.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders","datePublished":"2018-08-02T23:48:43.000Z","dateModified":"2018-08-02T23:50:42.000Z","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":"11684428 https://ww2.kqed.org/news/?p=11684428","disqusUrl":"https://ww2.kqed.org/news/2018/08/02/once-again-california-lawmakers-wont-crack-down-on-payday-lenders/","disqusTitle":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders","source":"CALmatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003cstrong>\u003ca href=\"https://calmatters.org/articles/author/antoinette-siu/\">Antoinette Siu\u003c/a>\u003c/strong>\u003cbr/>CALmatters\u003c/br>","path":"/news/11684428/once-again-california-lawmakers-wont-crack-down-on-payday-lenders","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>When phone bank worker Melissa Mendez, age 26, felt financially squeezed a few months ago, she walked into a Cash 1 storefront in Sacramento and took out a payday loan. The annual interest rate: 460 percent.\u003c/p>\n\u003cp>“I was short on cash and needed to pay rent,\" Mendez said.\u003c/p>\n\u003cp>That rate would shock a lot of people. Not Mendez, who once worked behind the counter at an outpost of the lending giant Advance America. She had fielded applications for short-term loans from all sorts of people: seniors needing more money because their Social Security check wasn’t cutting it, people in between jobs and waiting for a first paycheck, and people like herself, lacking enough savings to get to the end of the month.\u003c/p>\n\u003cp>Unlike Mendez, many desperate people don’t know what they’re signing on to — often agreeing to aggressive collection practices, inflexible repayment options and exorbitant interest. “They just point at stuff and walk through it really fast,” she said. “A lot of people just see the money and they don’t see the interest rates.”\u003c/p>\n\u003cp>In California, \u003ca href=\"http://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2014/state-payday-loan-regulation-and-usage-rates\" target=\"_blank\" rel=\"noopener\">1 in 20 people\u003c/a> a year take out a payday loan, amounting to $2.9 billion annually. Payday lending has grown into a multi-billion-dollar industry, fueled by triple-digit interest rates, steep transaction fees and the pervasiveness of its hundreds of stores across the state.\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>One Cal State study found California now has \u003ca href=\"http://www.csun.edu/~sg4002/research/mcdonalds_by_state.htm\" target=\"_blank\" rel=\"noopener\">more payday lenders than it does McDonald’s.\u003c/a>\u003c/p>\n\u003cp>Yet while some states ban payday loan storefronts completely or significantly restrict their operations, California is one of 26 states allowing loans with annual percentage rates higher than 391 percent on loans that must be fully repaid within two weeks. Otherwise, borrowers face collection calls, overdrafting their accounts or even a court order when they default.\u003c/p>\n\u003cp>Given the opportunity to crack down on predatory lending, the California Legislature has buried at least five bills intended to curb the practice. These would have capped interest rates on loans, extended repayment time or offered installment plans to borrowers. Among them:\u003c/p>\n\u003cp>• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB3010\" target=\"_blank\" rel=\"noopener\">AB 3010:\u003c/a> Authored in 2018 by Assemblywoman Monique Limón, D-Goleta, it sought to restrict people from taking out more than one payday loan at a time, and proposed creating a database requiring licensed lenders to record their loan transactions. Without the votes, Limón pulled the bill.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB2953\" target=\"_blank\" rel=\"noopener\">AB 2953:\u003c/a> Also authored by Limón in 2018, it aimed to stop lenders from charging more than 36 percent on auto-title loans, also known as pink-slip loans, but failed to secure enough votes to advance in the Senate.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180AB2500\" target=\"_blank\" rel=\"noopener\">AB 2500:\u003c/a> Authored in 2018 by Assemblyman Ash Kalra, D-San Jose, the bill aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It died on the Assembly floor.\u003cbr>\n• \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120SB365\" target=\"_blank\" rel=\"noopener\">SB 365:\u003c/a> Authored by Sen. Alan Lowenthal, D-Long Beach, in 2011, the bill proposed creating a payday loan database, but it also languished.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201320140SB515\" target=\"_blank\" rel=\"noopener\">SB 515:\u003c/a> This 2014 bill by Sen. Hannah-Beth Jackson, D-Santa Barbara, aimed to extend the minimum length of a payday loan and require lenders to offer installment plans, as well as develop a database and cap loans at four per year per borrower. It died in committee.\u003c/p>\n\u003cp>Limón said this year, as in previous years, the billion-dollar lending industry has gotten its way. Both of her bills faced heavy opposition early on, and she refused to make changes that would have mollified the industry.\u003c/p>\n\u003cp>But this year’s effort was “historic” in that it was the first time bills of this sort passed out of their originating houses, she told CALmatters.\u003c/p>\n\u003cp>“We knew this was something that was going to push the envelope, but we felt it was important to introduce this,” Limón said. “So long as there is a problem, I think California will be having a discussion about it.”\u003c/p>\n\u003cp>Among those voting against Limón’s AB 3010 was Assemblyman Kevin Kiley, a Roseville Republican. After questioning the notion of limiting each person to one payday loan, he said creation of a database “seems like quite an undertaking. There’s privacy concerns, apparently issues of reliability, potential liability for the state.”\u003c/p>\n\u003cp>Other states have taken firmer steps in recent years to cut down on predatory lending. New York prohibits payday lending through criminal usury statutes, which outlaw loan interest of 25 percent or more. Arkansas’s state constitution caps rates at 17 percent. Most other states that have a ceiling limit lenders to 36 percent.\u003c/p>\n\u003cp>“[California] needs to innovate in order to bring in lower prices for consumers,” said Nick Bourke, director of consumer finance at Pew Charitable Trusts, which has studied predatory lending nationwide.\u003c/p>\n\u003cp>“Conventional payday loans are not helping them when the problem comes back two weeks later. If credit is going to be part of the solution, the only way is if it’s structured to be installments with affordable rates.”\u003c/p>\n\u003cp>But payday and pink-slip lending companies argue that what might look predatory is in reality just operators in a risky business protecting themselves from customers happy to take their money but sometimes negligent about paying it back.\u003c/p>\n\u003cp>The California Financial Service Providers Association, the industry group that opposed Kalra’s bill, argued that lowering rates would hurt their profit margins and cause them to throttle back on issuing loans — driving consumers into the hands of unregulated lenders and services. The association represents some of the largest payday lenders in the country, including Advance America.\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter wp-image-11684459 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg\" alt=\"\" width=\"800\" height=\"1868\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-160x374.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1020x2382.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-514x1200.jpg 514w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1920x4484.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1180x2756.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-960x2242.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-240x560.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-375x876.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-520x1214.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Advance America operates more than 2,000 stores in the U.S. and since 2004 has spent more than $1 million lobbying in California alone. The company did not respond to requests for comment.\u003c/p>\n\u003cp>“Investors consider the type of lending our member businesses conduct to be high-risk, resulting in a substantial cost for our members to borrow money that they ultimately lend to consumers,” the trade association wrote.\u003c/p>\n\u003cp>\"Additionally, our member businesses are in the communities they service and have significant premise and operating costs. Additionally, labor costs, the cost of underwriting and compliance, the cost of credit reporting and the cost of defaults, all drive up the price of delivering the product to the consumer.”\u003c/p>\n\u003cp>In California, consumers can take out a payday loan of up to $300 — actually only worth $255 when you factor in a $45 fee — that in most cases must be repaid in full in two weeks. But a borrower who can’t make the full payment frequently takes out another loan to keep covering other ongoing costs — and the cycle escalates. In 2016, 83 percent of the 11.5 million payday loans were taken out by a repeat borrower, a practice known as loan stacking.\u003c/p>\n\u003cp>The annual percentage rate, a way of measuring of how much the loan will cost in interest over a year, gives an idea of how much a borrower will end up paying if the loan remains unpaid for one year. So at an annual percentage rate of 460 percent, someone taking out $300 can end up paying back $1,380 in that year, not to mention fees that multiply on each additional loan.\u003c/p>\n\u003cp>So who uses payday loans?\u003c/p>\n\u003cp>Because they don’t require a credit score as prerequisite, they appeal to cash-strapped borrowers who can’t go to a regular bank. Payday lenders require only income and a checking account to hand out these loans.\u003c/p>\n\u003cp>State analysis also\u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\"> found\u003c/a> payday lender storefronts are concentrated in places with high family poverty.\u003c/p>\n\u003cp>“A lot of families in California are suffering from income volatility and lack of emergency savings. California has a very real problem because conventional payday loans are really harming people more than helping people,” Bourke said.\u003c/p>\n\u003cp>More than 60 percent of payday storefronts are located in zip codes with \u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\">higher family poverty rates\u003c/a> than the rest of the state, according to California’s Department of Business Oversight. And nearly half are located where the poverty rate for African-Americans and Latinos is higher than the statewide poverty rate for those groups. Most borrowers make an average annual income between $10,000 to $40,000.\u003c/p>\n\u003cp>The state says the \u003ca href=\"http://www.dbo.ca.gov/Licensees/Payday_Lenders/pdfs/Annual%20Report%20CDDTL%202017%20Final.pdf\" target=\"_blank\" rel=\"noopener\">average\u003c/a> interest rate for payday loan transactions was 377 percent last year — a slight increase over what it was the previous year. Licensed lenders reported collecting $436.4 million in fees — 70 percent of that from borrowers who took out seven or more loans that year.\u003c/p>\n\u003cp>On average, Californians take out a loan of $250, but the often-unaffordable interest rates sometimes corner them into paying a fee to roll into another loan and extend the terms.\u003c/p>\n\u003cp>There are other options if borrowers need quick cash beyond the payday loan amount of $300 — but they come with different risks.\u003c/p>\n\u003cp>In 2013, the state \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Responsible_Small_Dollar_Loans/default.asp\" target=\"_blank\" rel=\"noopener\">created\u003c/a> a small-dollar loan program to regulate loans between $300 and $2,500. The state caps interest on those loans between 20 and 30 percent, but any loan above $2,500 is the “real Wild, Wild West,” said Graciela Aponte-Diaz, California policy director at the Center for Responsible Lending, a nonprofit focused on consumer lending.\u003c/p>\n\u003cp>“Loans between $2,500 to $5,000 have a 100 percent (annual interest rate). It’s detrimental for families who can’t pay it back, and 40 percent default,” she said.\u003c/p>\n\u003cp>The Center for Responsible Lending this year sponsored the Kalra bill, which unsuccessfully aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It recently died on the Assembly floor.\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>“It has a lot to do with the industry and how much money they’re putting into efforts to killing it,” Aponte-Diaz added. “They hire all the top lobby firms to kill our bills.”\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11684428/once-again-california-lawmakers-wont-crack-down-on-payday-lenders","authors":["byline_news_11684428"],"categories":["news_1758","news_6188","news_8","news_13"],"tags":["news_23853","news_20705","news_20704"],"affiliates":["news_18481"],"featImg":"news_11684460","label":"source_news_11684428"},"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_11418523":{"type":"posts","id":"news_11418523","meta":{"index":"posts_1591205157","site":"news","id":"11418523","score":null,"sort":[1493154086000]},"guestAuthors":[],"slug":"10-years-after-housing-crash-families-finally-make-it-on-dream-street","title":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","publishDate":1493154086,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>Augie Cortez and his wife, Blanca, bought a little slice of the American Dream about 17 years ago in Bloomington, a working-class community in San Bernardino about 50 miles east of Los Angeles.\u003c/p>\n\u003cp>Their roomy four-bedroom house was the very first on the block of a brand-new subdivision not unlike scores of others that began carpeting Inland Southern California toward the end of the 1990s.\u003c/p>\n\u003cp>The Cortezes gathered up their savings and managed to put up a healthy down payment on a 15-year mortgage. After a couple of other home purchasing efforts collapsed, they were eager to make this one stick and they wanted to pay it off fast.\u003c/p>\n\u003cp>Monthly payments would be high. But the name of the little cul-de-sac seemed like a good omen: \u003ca href=\"https://www.google.com/maps/@34.0621667,-117.3957405,3a,75y,144.34h,60.9t/data=!3m6!1e1!3m4!1sTLzuz0fGR8FQ5Cznj9CJSQ!2e0!7i13312!8i6656!6m1!1e1\" target=\"_blank\">Dream Street\u003c/a>.\u003c/p>\n\u003cp>“I thought that was a cool name! I don’t think I’d ever heard of a Dream Street. Have you?\" Cortez asks as he sits at an expansive table in the family's dining room.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>And for a while, the dream was good.\u003c/p>\n\u003cfigure id=\"attachment_11418633\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418633\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg\" alt=\"When Augie Cortez’ moved his family into its new Dream Street home he redid all the outside cement work with the help of friends and family.\" width=\"800\" height=\"538\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-160x108.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1020x685.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1180x793.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-960x645.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-375x252.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-520x349.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">When Augie Cortez moved his family into its new Dream Street home, he redid all the outside cement work with the help of friends and family. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Augie works in construction as a cement finisher, and when he first bought his home, business was booming in the Inland Empire. After moving his wife and kids into the new house, he had enough extra cash to redo all the cement work along the sides of the house and the back patio.\u003c/p>\n\u003cp>There’s a family portrait taken the day his three daughters pressed some memories into the wet cement. While showing off his property, he points to the spot just outside a garage side door.\u003c/p>\n\u003cp>“Those are my daughters' handprints,” he says, beaming with pride. \"Man, those are my daughters' handprints right there. Nov. 27, 1999.\"\u003c/p>\n\u003cfigure id=\"attachment_11418635\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418635\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg\" alt=\"Augie Cortez’ daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \" width=\"800\" height=\"535\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1020x682.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1180x789.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-960x642.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-375x251.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-520x348.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez’s daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Easy Credit Dragged Everyone Down\u003c/h3>\n\u003cp>With so much homebuilding going on, it was easy for just about anyone to get a mortgage back then, even if you had shaky credit or no job at all. Low-income minority neighborhoods like the ones around Dream Street were ripe targets for subprime lenders.\u003c/p>\n\u003cp>Augie and his wife had a sound conventional loan, but still got dragged under in a housing crisis that would ultimately steamroll through neighborhoods across the country.\u003c/p>\n\u003cp>\"It impacted other people who own homes who were current, and the value of their homes went down,\" says Edward Pinto, co-director of the International Center on Housing Risk at the \u003ca href=\"http://www.aei.org/\">American Enterprise Institute, \u003c/a>a conservative think tank in Washington, D.C.\u003c/p>\n\u003cp>“Areas that have a lot of foreclosures and very seriously delinquent loans have an impact on declining house prices, so it spreads throughout the neighborhood,” Pinto says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night.'\u003ccite>Augie Cortez\u003c/cite>\u003c/aside>\n\u003cp>In 2006, the last of the brand-new homes on Dream Street sold for about $430,000. Three years later, at the peak of the mortgage meltdown, the same home was worth barely a quarter of that.\u003c/p>\n\u003cp>It was the same story up and down the block and across the region as the bubble burst on the housing market and people couldn't afford their mortgages. Even people like Augie Cortez, who didn’t have mortgages spring-loaded with dangerous adjustable rates and hidden fees, were dragged down.\u003c/p>\n\u003cp>Construction work vanished and Cortez's cement finishing jobs dried up.\u003c/p>\n\u003cfigure id=\"attachment_11418640\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418640 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg\" alt=\"Augie Cortez stands outside his home and says he's glad he stayed now that Dream Street is finally recovering.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez stands outside his home and says he's glad he stayed, now that Dream Street is recovering from the mortgage meltdown. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“I was trying to do the fast payoff and it was like, why did we get into this, a 15-year loan,” he says, recalling the painful days when the family seemed close to losing the house.\u003c/p>\n\u003cp>“You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night,” says Cortez grimly.\u003c/p>\n\u003cp>To put food on the table Cortez sold lumber and other items online. He did odd jobs for neighbors. Mortgage payments got skipped for months. Default notices were dropping into mailboxes across the neighborhood -- including his own.\u003c/p>\n\u003cp>\"Just walk away, that’s what people were doing, just walking away,\" he says, recalling what it was like then.\u003c/p>\n\u003cp>\"It was weird man, just empty houses. It was sad to see people pack their stuff. But I wasn’t going to do that. Not me, heck no. I would have stayed here until they put that (eviction) tag on my door,\" he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off.'\u003ccite>Doug McCulloh, photojournalist\u003c/cite>\u003c/aside>\n\u003cp>Augie and his wife worked out a deal with their lender. Their 15-year mortgage was extended to 20 years, and the lender agreed to let them make lower minimum monthly payments for a fixed period.\u003c/p>\n\u003cp>But they were surrounded by the wreckage of the mortgage meltdown. By the end of 2009, half of Dream Street’s original 13 owners had either been pushed out or foreclosed on.\u003c/p>\n\u003cp>\"The foreclosure meltdown swept across this entire area and up and down Dream Street like a tsunami in spring of 2009,\" says photojournalist \u003ca href=\"http://www.pe.com/2014/03/28/artist-spotlight-douglas-mcculloh/\">Doug McCulloh\u003c/a>.\u003c/p>\n\u003cp>McCulloh lives in nearby Riverside. But his connection to Dream Street runs deep. He’s the one who gave the little avenue its name. It was a prize at a San Bernardino County charity auction. McCulloh says the come-on was irresistible: name a street, minimum bid $25.\u003c/p>\n\u003cp>\"My immediate thought is: It's the American Dream, it's your dream house and so on,\" says McCulloh.\u003c/p>\n\u003cp>Then, reflecting on what happened there, he adds, \"A nightmare is kind of a dream, too. So dreams can cut in all directions, can be all kinds of things. And it's turned out to be that here on Dream Street.\"\u003c/p>\n\u003cfigure id=\"attachment_11418637\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418637\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg\" alt=\"Most of the streets around Dream Street have western-themed names.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Most of the streets around Dream Street have western-themed names. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>McCulloh also won permission from the developer to document the housing tract’s rise from plowed-over fruit orchard to model suburbia to ground zero of the mortgage crisis. He got to know the construction workers, the development company and mortgage team, and the residents.\u003c/p>\n\u003cp>McCulloh tells the story of the last family to move onto Dream Street. They bought near the peak of the housing boom and couldn’t hang on. When the notice to vacate got slapped on the door, they salvaged what they could.\u003c/p>\n\u003cp>\"Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off,\" recalls McCulloh.\u003c/p>\n\u003cp>\"Two months later they got a family member who had good credit, they bottom-fished the market. They bought a house about a mile away. The palm trees, they planted them at their new house.\"\u003c/p>\n\u003cp>On a recent Saturday afternoon, McCulloh catches up with Augie Cortez and his brother, Johnny, on the sidewalk outside Cortez’s home. Neighbor Jerry Williams pulls his pickup truck into his driveway. He waves and heads over.\u003c/p>\n\u003cfigure id=\"attachment_11418642\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418642 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg\" alt=\"Augie Cortez (r) and his brother outside Cortez’ Dream Street home.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez (R) and his brother, Johnny, (L) outside Cortez’s Dream Street home. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Williams is a burly long-haul truck driver with a shaggy, graying beard and wide smile. He and his wife Kelley, also a truck driver, moved in around the same time as Cortez and his wife. He complains about some kids that recently tagged a couple of fences. Other than the minor graffiti, all is good here, he says.\u003c/p>\n\u003cp>\"Pretty quiet. You see how it is man,\" he says, nodding to the tidy cul-de-sac. “We like it, it works for us.”\u003c/p>\n\u003cp>These days all the houses on Dream Street are occupied. No more busted-out windows or dead lawns; the emblems of the foreclosure crisis.\u003c/p>\n\u003cp>\"I guess it was a dream,\" laughs Augie Cortez. “Actually got to keep (the house), shoot. That’s what’s good.”\u003c/p>\n\u003cp>But in a sense it’s a dream half-realized. From his front yard we look across to a pair of large dusty vacant lots.\u003c/p>\n\u003cp>No houses were ever built on the \u003cem>other\u003c/em> side of Dream Street.\u003c/p>\n\u003cp>It’s undeveloped county land that, at the time the housing tract was developed, was to be the site of a park and library. The developers even dangled the county project as a selling point to would-be home buyers like Cortez.\u003c/p>\n\u003cp>“So that sounded good for my girls, like 'wow' perfect,” Cortez says.\u003c/p>\n\u003cp>“And there’s the park and library,” he says, pointing to the vacant land. When everyone looks to see where Cortez is pointing, he drops the punch line.\u003c/p>\n\u003cp>“It’s invisible!”\u003c/p>\n\u003cp>A San Bernardino County spokesman says the land turned out to be too narrow for a park.\u003c/p>\n\u003cp>County tax revenue also plummeted with housing values during the housing market crash. There are currently no plans for the empty lots.\u003c/p>\n\u003cfigure id=\"attachment_11418647\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418647\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg\" alt=\"A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Some people were betting that the bubble would go on, and of course it couldn't,” says photographer McCulloh. “Other people bet against the bubble. So the one thing you can say is there will be another spot where hanging onto the dream gets really, really hard.”\u003c/p>\n\u003cp>Local real estate experts warn that Inland Empire housing is once again way overvalued, and overdue for a “correction.” Prices have surged to an unsustainable level in the last year, according to \u003ca href=\"http://www.nhsie.org/\" target=\"_blank\">Neighborhood Housing Services of the Inland Empire\u003c/a>, a nonprofit that helped guys like Augie hold onto their houses 10 years ago.\u003c/p>\n\u003cp>At the edge of those vacant lots, a sign lashed to a post beckons with a come-on that sounds a little suspicious, given what this neighborhood has survived over the last decade: “Buy a Home, 1% Down.”\u003c/p>\n\u003cfigure id=\"attachment_11418648\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418648\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg\" alt=\"A sign lashed to street post across from Dream Street beckons would be home buyers with a seemingly irresistible offer.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign lashed to street post across from Dream Street beckons would-be homebuyers with a seemingly irresistible offer. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>There’s no name for a real estate agent or mortgage broker. But there’s a local phone number. I give it a call.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message.\u003c/p>\n\u003cp>“Buying a home has never been easier! Here's how it works,” continues Emily. “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 floatright]\u003c/p>\n\u003cp>Emily asks me to leave my number and a good time to call back. I don't. But I do find out more about that sign, and about new trends in home loans that are stoking old fears.\u003c/p>\n\n","blocks":[],"excerpt":"The foreclosure crisis swept the Inland Empire, but some families managed to hang onto their homes.","status":"publish","parent":0,"modified":1493160643,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":53,"wordCount":1887},"headData":{"title":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street' | KQED","description":"The foreclosure crisis swept the Inland Empire, but some families managed to hang onto their homes.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","datePublished":"2017-04-25T21:01:26.000Z","dateModified":"2017-04-25T22:50:43.000Z","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":"11418523 https://ww2.kqed.org/news/?p=11418523","disqusUrl":"https://ww2.kqed.org/news/2017/04/25/10-years-after-housing-crash-families-finally-make-it-on-dream-street/","disqusTitle":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","audioUrl":"http://www.kqed.org/.stream/anon/radio/tcr/2017/04/2017-04-25a-tcr.mp3","guestFields":"0","path":"/news/11418523/10-years-after-housing-crash-families-finally-make-it-on-dream-street","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Augie Cortez and his wife, Blanca, bought a little slice of the American Dream about 17 years ago in Bloomington, a working-class community in San Bernardino about 50 miles east of Los Angeles.\u003c/p>\n\u003cp>Their roomy four-bedroom house was the very first on the block of a brand-new subdivision not unlike scores of others that began carpeting Inland Southern California toward the end of the 1990s.\u003c/p>\n\u003cp>The Cortezes gathered up their savings and managed to put up a healthy down payment on a 15-year mortgage. After a couple of other home purchasing efforts collapsed, they were eager to make this one stick and they wanted to pay it off fast.\u003c/p>\n\u003cp>Monthly payments would be high. But the name of the little cul-de-sac seemed like a good omen: \u003ca href=\"https://www.google.com/maps/@34.0621667,-117.3957405,3a,75y,144.34h,60.9t/data=!3m6!1e1!3m4!1sTLzuz0fGR8FQ5Cznj9CJSQ!2e0!7i13312!8i6656!6m1!1e1\" target=\"_blank\">Dream Street\u003c/a>.\u003c/p>\n\u003cp>“I thought that was a cool name! I don’t think I’d ever heard of a Dream Street. Have you?\" Cortez asks as he sits at an expansive table in the family's dining room.\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>And for a while, the dream was good.\u003c/p>\n\u003cfigure id=\"attachment_11418633\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418633\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg\" alt=\"When Augie Cortez’ moved his family into its new Dream Street home he redid all the outside cement work with the help of friends and family.\" width=\"800\" height=\"538\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-160x108.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1020x685.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1180x793.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-960x645.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-375x252.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-520x349.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">When Augie Cortez moved his family into its new Dream Street home, he redid all the outside cement work with the help of friends and family. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Augie works in construction as a cement finisher, and when he first bought his home, business was booming in the Inland Empire. After moving his wife and kids into the new house, he had enough extra cash to redo all the cement work along the sides of the house and the back patio.\u003c/p>\n\u003cp>There’s a family portrait taken the day his three daughters pressed some memories into the wet cement. While showing off his property, he points to the spot just outside a garage side door.\u003c/p>\n\u003cp>“Those are my daughters' handprints,” he says, beaming with pride. \"Man, those are my daughters' handprints right there. Nov. 27, 1999.\"\u003c/p>\n\u003cfigure id=\"attachment_11418635\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418635\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg\" alt=\"Augie Cortez’ daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \" width=\"800\" height=\"535\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1020x682.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1180x789.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-960x642.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-375x251.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-520x348.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez’s daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Easy Credit Dragged Everyone Down\u003c/h3>\n\u003cp>With so much homebuilding going on, it was easy for just about anyone to get a mortgage back then, even if you had shaky credit or no job at all. Low-income minority neighborhoods like the ones around Dream Street were ripe targets for subprime lenders.\u003c/p>\n\u003cp>Augie and his wife had a sound conventional loan, but still got dragged under in a housing crisis that would ultimately steamroll through neighborhoods across the country.\u003c/p>\n\u003cp>\"It impacted other people who own homes who were current, and the value of their homes went down,\" says Edward Pinto, co-director of the International Center on Housing Risk at the \u003ca href=\"http://www.aei.org/\">American Enterprise Institute, \u003c/a>a conservative think tank in Washington, D.C.\u003c/p>\n\u003cp>“Areas that have a lot of foreclosures and very seriously delinquent loans have an impact on declining house prices, so it spreads throughout the neighborhood,” Pinto says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night.'\u003ccite>Augie Cortez\u003c/cite>\u003c/aside>\n\u003cp>In 2006, the last of the brand-new homes on Dream Street sold for about $430,000. Three years later, at the peak of the mortgage meltdown, the same home was worth barely a quarter of that.\u003c/p>\n\u003cp>It was the same story up and down the block and across the region as the bubble burst on the housing market and people couldn't afford their mortgages. Even people like Augie Cortez, who didn’t have mortgages spring-loaded with dangerous adjustable rates and hidden fees, were dragged down.\u003c/p>\n\u003cp>Construction work vanished and Cortez's cement finishing jobs dried up.\u003c/p>\n\u003cfigure id=\"attachment_11418640\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418640 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg\" alt=\"Augie Cortez stands outside his home and says he's glad he stayed now that Dream Street is finally recovering.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez stands outside his home and says he's glad he stayed, now that Dream Street is recovering from the mortgage meltdown. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“I was trying to do the fast payoff and it was like, why did we get into this, a 15-year loan,” he says, recalling the painful days when the family seemed close to losing the house.\u003c/p>\n\u003cp>“You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night,” says Cortez grimly.\u003c/p>\n\u003cp>To put food on the table Cortez sold lumber and other items online. He did odd jobs for neighbors. Mortgage payments got skipped for months. Default notices were dropping into mailboxes across the neighborhood -- including his own.\u003c/p>\n\u003cp>\"Just walk away, that’s what people were doing, just walking away,\" he says, recalling what it was like then.\u003c/p>\n\u003cp>\"It was weird man, just empty houses. It was sad to see people pack their stuff. But I wasn’t going to do that. Not me, heck no. I would have stayed here until they put that (eviction) tag on my door,\" he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off.'\u003ccite>Doug McCulloh, photojournalist\u003c/cite>\u003c/aside>\n\u003cp>Augie and his wife worked out a deal with their lender. Their 15-year mortgage was extended to 20 years, and the lender agreed to let them make lower minimum monthly payments for a fixed period.\u003c/p>\n\u003cp>But they were surrounded by the wreckage of the mortgage meltdown. By the end of 2009, half of Dream Street’s original 13 owners had either been pushed out or foreclosed on.\u003c/p>\n\u003cp>\"The foreclosure meltdown swept across this entire area and up and down Dream Street like a tsunami in spring of 2009,\" says photojournalist \u003ca href=\"http://www.pe.com/2014/03/28/artist-spotlight-douglas-mcculloh/\">Doug McCulloh\u003c/a>.\u003c/p>\n\u003cp>McCulloh lives in nearby Riverside. But his connection to Dream Street runs deep. He’s the one who gave the little avenue its name. It was a prize at a San Bernardino County charity auction. McCulloh says the come-on was irresistible: name a street, minimum bid $25.\u003c/p>\n\u003cp>\"My immediate thought is: It's the American Dream, it's your dream house and so on,\" says McCulloh.\u003c/p>\n\u003cp>Then, reflecting on what happened there, he adds, \"A nightmare is kind of a dream, too. So dreams can cut in all directions, can be all kinds of things. And it's turned out to be that here on Dream Street.\"\u003c/p>\n\u003cfigure id=\"attachment_11418637\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418637\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg\" alt=\"Most of the streets around Dream Street have western-themed names.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Most of the streets around Dream Street have western-themed names. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>McCulloh also won permission from the developer to document the housing tract’s rise from plowed-over fruit orchard to model suburbia to ground zero of the mortgage crisis. He got to know the construction workers, the development company and mortgage team, and the residents.\u003c/p>\n\u003cp>McCulloh tells the story of the last family to move onto Dream Street. They bought near the peak of the housing boom and couldn’t hang on. When the notice to vacate got slapped on the door, they salvaged what they could.\u003c/p>\n\u003cp>\"Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off,\" recalls McCulloh.\u003c/p>\n\u003cp>\"Two months later they got a family member who had good credit, they bottom-fished the market. They bought a house about a mile away. The palm trees, they planted them at their new house.\"\u003c/p>\n\u003cp>On a recent Saturday afternoon, McCulloh catches up with Augie Cortez and his brother, Johnny, on the sidewalk outside Cortez’s home. Neighbor Jerry Williams pulls his pickup truck into his driveway. He waves and heads over.\u003c/p>\n\u003cfigure id=\"attachment_11418642\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418642 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg\" alt=\"Augie Cortez (r) and his brother outside Cortez’ Dream Street home.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez (R) and his brother, Johnny, (L) outside Cortez’s Dream Street home. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Williams is a burly long-haul truck driver with a shaggy, graying beard and wide smile. He and his wife Kelley, also a truck driver, moved in around the same time as Cortez and his wife. He complains about some kids that recently tagged a couple of fences. Other than the minor graffiti, all is good here, he says.\u003c/p>\n\u003cp>\"Pretty quiet. You see how it is man,\" he says, nodding to the tidy cul-de-sac. “We like it, it works for us.”\u003c/p>\n\u003cp>These days all the houses on Dream Street are occupied. No more busted-out windows or dead lawns; the emblems of the foreclosure crisis.\u003c/p>\n\u003cp>\"I guess it was a dream,\" laughs Augie Cortez. “Actually got to keep (the house), shoot. That’s what’s good.”\u003c/p>\n\u003cp>But in a sense it’s a dream half-realized. From his front yard we look across to a pair of large dusty vacant lots.\u003c/p>\n\u003cp>No houses were ever built on the \u003cem>other\u003c/em> side of Dream Street.\u003c/p>\n\u003cp>It’s undeveloped county land that, at the time the housing tract was developed, was to be the site of a park and library. The developers even dangled the county project as a selling point to would-be home buyers like Cortez.\u003c/p>\n\u003cp>“So that sounded good for my girls, like 'wow' perfect,” Cortez says.\u003c/p>\n\u003cp>“And there’s the park and library,” he says, pointing to the vacant land. When everyone looks to see where Cortez is pointing, he drops the punch line.\u003c/p>\n\u003cp>“It’s invisible!”\u003c/p>\n\u003cp>A San Bernardino County spokesman says the land turned out to be too narrow for a park.\u003c/p>\n\u003cp>County tax revenue also plummeted with housing values during the housing market crash. There are currently no plans for the empty lots.\u003c/p>\n\u003cfigure id=\"attachment_11418647\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418647\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg\" alt=\"A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Some people were betting that the bubble would go on, and of course it couldn't,” says photographer McCulloh. “Other people bet against the bubble. So the one thing you can say is there will be another spot where hanging onto the dream gets really, really hard.”\u003c/p>\n\u003cp>Local real estate experts warn that Inland Empire housing is once again way overvalued, and overdue for a “correction.” Prices have surged to an unsustainable level in the last year, according to \u003ca href=\"http://www.nhsie.org/\" target=\"_blank\">Neighborhood Housing Services of the Inland Empire\u003c/a>, a nonprofit that helped guys like Augie hold onto their houses 10 years ago.\u003c/p>\n\u003cp>At the edge of those vacant lots, a sign lashed to a post beckons with a come-on that sounds a little suspicious, given what this neighborhood has survived over the last decade: “Buy a Home, 1% Down.”\u003c/p>\n\u003cfigure id=\"attachment_11418648\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418648\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg\" alt=\"A sign lashed to street post across from Dream Street beckons would be home buyers with a seemingly irresistible offer.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign lashed to street post across from Dream Street beckons would-be homebuyers with a seemingly irresistible offer. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>There’s no name for a real estate agent or mortgage broker. But there’s a local phone number. I give it a call.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message.\u003c/p>\n\u003cp>“Buying a home has never been easier! Here's how it works,” continues Emily. “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":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Emily asks me to leave my number and a good time to call back. I don't. But I do find out more about that sign, and about new trends in home loans that are stoking old fears.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11418523/10-years-after-housing-crash-families-finally-make-it-on-dream-street","authors":["2600"],"programs":["news_72"],"categories":["news_1758","news_6266","news_8"],"tags":["news_69","news_19996","news_2619","news_1776","news_2766","news_20704","news_17286"],"featImg":"news_11418626","label":"news_72"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.","airtime":"THU 10pm, FRI 1am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.commonwealthclub.org/podcasts","meta":{"site":"news","source":"Commonwealth Club of California"},"link":"/radio/program/commonwealth-club","subscribe":{"apple":"https://itunes.apple.com/us/podcast/commonwealth-club-of-california-podcast/id976334034?mt=2","google":"https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw","tuneIn":"https://tunein.com/radio/Commonwealth-Club-of-California-p1060/"}},"considerthis":{"id":"considerthis","title":"Consider This","tagline":"Make sense of the day","info":"Make sense of the day. Every weekday afternoon, Consider This helps you consider the major stories of the day in less than 15 minutes, featuring the reporting and storytelling resources of NPR. Plus, KQED’s Bianca Taylor brings you the local KQED news you need to know.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Consider-This-Podcast-Tile-703x703-1.jpg","imageAlt":"Consider This from NPR and KQED","officialWebsiteLink":"/podcasts/considerthis","meta":{"site":"news","source":"kqed","order":"7"},"link":"/podcasts/considerthis","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1503226625?mt=2&at=11l79Y&ct=nprdirectory","npr":"https://rpb3r.app.goo.gl/coronavirusdaily","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM1NS9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/3Z6JdCS2d0eFEpXHKI6WqH"}},"forum":{"id":"forum","title":"Forum","tagline":"The conversation starts here","info":"KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.","airtime":"MON-FRI 9am-11am, 10pm-11pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Forum with Mina Kim and Alexis Madrigal","officialWebsiteLink":"/forum","meta":{"site":"news","source":"kqed","order":"8"},"link":"/forum","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-forum/id73329719","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz","npr":"https://www.npr.org/podcasts/432307980/forum","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-forum-podcast","rss":"https://feeds.megaphone.fm/KQINC9557381633"}},"freakonomics-radio":{"id":"freakonomics-radio","title":"Freakonomics Radio","info":"Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. It is produced in partnership with WNYC.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/freakonomicsRadio.png","officialWebsiteLink":"http://freakonomics.com/","airtime":"SUN 1am-2am, SAT 3pm-4pm","meta":{"site":"radio","source":"WNYC"},"link":"/radio/program/freakonomics-radio","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519","tuneIn":"https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/","rss":"https://feeds.feedburner.com/freakonomicsradio"}},"fresh-air":{"id":"fresh-air","title":"Fresh Air","info":"Hosted by Terry Gross, \u003cem>Fresh Air from WHYY\u003c/em> is the Peabody Award-winning weekday magazine of contemporary arts and issues. One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.","airtime":"MON-FRI 7pm-8pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Fresh-Air-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/fresh-air/","meta":{"site":"radio","source":"npr"},"link":"/radio/program/fresh-air","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Fresh-Air-p17/","rss":"https://feeds.npr.org/381444908/podcast.xml"}},"here-and-now":{"id":"here-and-now","title":"Here & Now","info":"A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.","airtime":"MON-THU 11am-12pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Here-And-Now-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://www.wbur.org/hereandnow","meta":{"site":"news","source":"npr"},"link":"/radio/program/here-and-now","subsdcribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=426698661","tuneIn":"https://tunein.com/radio/Here--Now-p211/","rss":"https://feeds.npr.org/510051/podcast.xml"}},"how-i-built-this":{"id":"how-i-built-this","title":"How I Built This with Guy Raz","info":"Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png","officialWebsiteLink":"https://www.npr.org/podcasts/510313/how-i-built-this","airtime":"SUN 7:30pm-8pm","meta":{"site":"news","source":"npr"},"link":"/radio/program/how-i-built-this","subscribe":{"npr":"https://rpb3r.app.goo.gl/3zxy","apple":"https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2","tuneIn":"https://tunein.com/podcasts/Arts--Culture-Podcasts/How-I-Built-This-p910896/","rss":"https://feeds.npr.org/510313/podcast.xml"}},"inside-europe":{"id":"inside-europe","title":"Inside Europe","info":"Inside Europe, a one-hour weekly news magazine hosted by Helen Seeney and Keith Walker, explores the topical issues shaping the continent. No other part of the globe has experienced such dynamic political and social change in recent years.","airtime":"SAT 3am-4am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Inside-Europe-Podcast-Tile-300x300-1.jpg","meta":{"site":"news","source":"Deutsche Welle"},"link":"/radio/program/inside-europe","subscribe":{"apple":"https://itunes.apple.com/us/podcast/inside-europe/id80106806?mt=2","tuneIn":"https://tunein.com/radio/Inside-Europe-p731/","rss":"https://partner.dw.com/xml/podcast_inside-europe"}},"latino-usa":{"id":"latino-usa","title":"Latino USA","airtime":"MON 1am-2am, SUN 6pm-7pm","info":"Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg","officialWebsiteLink":"http://latinousa.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/latino-usa","subscribe":{"npr":"https://rpb3r.app.goo.gl/xtTd","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Latino-USA-p621/","rss":"https://feeds.npr.org/510016/podcast.xml"}},"live-from-here-highlights":{"id":"live-from-here-highlights","title":"Live from Here Highlights","info":"Chris Thile steps to the mic as the host of Live from Here (formerly A Prairie Home Companion), a live public radio variety show. Download Chris’s Song of the Week plus other highlights from the broadcast. Produced by American Public Media.","airtime":"SAT 6pm-8pm, SUN 11am-1pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Live-From-Here-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.livefromhere.org/","meta":{"site":"arts","source":"american public media"},"link":"/radio/program/live-from-here-highlights","subscribe":{"apple":"https://itunes.apple.com/us/podcast/id1167173941","tuneIn":"https://tunein.com/radio/Live-from-Here-Highlights-p921744/","rss":"https://feeds.publicradio.org/public_feeds/a-prairie-home-companion-highlights/rss/rss"}},"marketplace":{"id":"marketplace","title":"Marketplace","info":"Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.","airtime":"MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.marketplace.org/","meta":{"site":"news","source":"American Public Media"},"link":"/radio/program/marketplace","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=201853034&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/APM-Marketplace-p88/","rss":"https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"}},"mindshift":{"id":"mindshift","title":"MindShift","tagline":"A podcast about the future of learning and how we raise our kids","info":"The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.","airtime":"MON-FRI 3am-9am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/morning-edition/","meta":{"site":"news","source":"npr"},"link":"/radio/program/morning-edition"},"onourwatch":{"id":"onourwatch","title":"On Our Watch","tagline":"Police secrets, unsealed","info":"For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg","imageAlt":"On Our Watch from NPR and KQED","officialWebsiteLink":"/podcasts/onourwatch","meta":{"site":"news","source":"kqed","order":"1"},"link":"/podcasts/onourwatch","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1567098962","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw","npr":"https://rpb3r.app.goo.gl/onourwatch","spotify":"https://open.spotify.com/show/0OLWoyizopu6tY1XiuX70x","tuneIn":"https://tunein.com/radio/On-Our-Watch-p1436229/","stitcher":"https://www.stitcher.com/show/on-our-watch","rss":"https://feeds.npr.org/510360/podcast.xml"}},"on-the-media":{"id":"on-the-media","title":"On The Media","info":"Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us","airtime":"SUN 2pm-3pm, MON 12am-1am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png","officialWebsiteLink":"https://www.wnycstudios.org/shows/otm","meta":{"site":"news","source":"wnyc"},"link":"/radio/program/on-the-media","subscribe":{"apple":"https://itunes.apple.com/us/podcast/on-the-media/id73330715?mt=2","tuneIn":"https://tunein.com/radio/On-the-Media-p69/","rss":"http://feeds.wnyc.org/onthemedia"}},"our-body-politic":{"id":"our-body-politic","title":"Our Body Politic","info":"Presented by KQED, KCRW and KPCC, and created and hosted by award-winning journalist Farai Chideya, Our Body Politic is unapologetically centered on reporting on not just how women of color experience the major political events of today, but how they’re impacting those very issues.","airtime":"SAT 6pm-7pm, SUN 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Our-Body-Politic-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://our-body-politic.simplecast.com/","meta":{"site":"news","source":"kcrw"},"link":"/radio/program/our-body-politic","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/our-body-politic/id1533069868","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5zaW1wbGVjYXN0LmNvbS9feGFQaHMxcw","spotify":"https://open.spotify.com/show/4ApAiLT1kV153TttWAmqmc","rss":"https://feeds.simplecast.com/_xaPhs1s","tuneIn":"https://tunein.com/podcasts/News--Politics-Podcasts/Our-Body-Politic-p1369211/"}},"pbs-newshour":{"id":"pbs-newshour","title":"PBS NewsHour","info":"Analysis, background reports and updates from the PBS NewsHour putting today's news in context.","airtime":"MON-FRI 3pm-4pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/PBS-News-Hour-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pbs.org/newshour/","meta":{"site":"news","source":"pbs"},"link":"/radio/program/pbs-newshour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/pbs-newshour-full-show/id394432287?mt=2","tuneIn":"https://tunein.com/radio/PBS-NewsHour---Full-Show-p425698/","rss":"https://www.pbs.org/newshour/feeds/rss/podcasts/show"}},"perspectives":{"id":"perspectives","title":"Perspectives","tagline":"KQED's series of of daily listener commentaries since 1991","info":"KQED's series of of daily listener commentaries since 1991.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Perspectives-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/perspectives/","meta":{"site":"radio","source":"kqed","order":"15"},"link":"/perspectives","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/id73801135","npr":"https://www.npr.org/podcasts/432309616/perspectives","rss":"https://ww2.kqed.org/perspectives/category/perspectives/feed/","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvcGVyc3BlY3RpdmVzL2NhdGVnb3J5L3BlcnNwZWN0aXZlcy9mZWVkLw"}},"planet-money":{"id":"planet-money","title":"Planet Money","info":"The economy explained. Imagine you could call up a friend and say, Meet me at the bar and tell me what's going on with the economy. Now imagine that's actually a fun evening.","airtime":"SUN 3pm-4pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/planetmoney.jpg","officialWebsiteLink":"https://www.npr.org/sections/money/","meta":{"site":"news","source":"npr"},"link":"/radio/program/planet-money","subscribe":{"npr":"https://rpb3r.app.goo.gl/M4f5","apple":"https://itunes.apple.com/us/podcast/planet-money/id290783428?mt=2","tuneIn":"https://tunein.com/podcasts/Business--Economics-Podcasts/Planet-Money-p164680/","rss":"https://feeds.npr.org/510289/podcast.xml"}},"politicalbreakdown":{"id":"politicalbreakdown","title":"Political Breakdown","tagline":"Politics from a personal perspective","info":"Political Breakdown is a new series that explores the political intersection of California and the nation. Each week hosts Scott Shafer and Marisa Lagos are joined with a new special guest to unpack politics -- with personality — and offer an insider’s glimpse at how politics happens.","airtime":"THU 6:30pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Political-Breakdown-2024-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Political Breakdown","officialWebsiteLink":"/podcasts/politicalbreakdown","meta":{"site":"radio","source":"kqed","order":"11"},"link":"/podcasts/politicalbreakdown","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/political-breakdown/id1327641087","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5Nzk2MzI2MTEx","npr":"https://www.npr.org/podcasts/572155894/political-breakdown","stitcher":"https://www.stitcher.com/podcast/kqed/political-breakdown","spotify":"https://open.spotify.com/show/07RVyIjIdk2WDuVehvBMoN","rss":"https://ww2.kqed.org/news/tag/political-breakdown/feed/podcast"}},"pri-the-world":{"id":"pri-the-world","title":"PRI's The World: Latest Edition","info":"Each weekday, host Marco Werman and his team of producers bring you the world's most interesting stories in an hour of radio that reminds us just how small our planet really is.","airtime":"MON-FRI 2pm-3pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-World-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pri.org/programs/the-world","meta":{"site":"news","source":"PRI"},"link":"/radio/program/pri-the-world","subscribe":{"apple":"https://itunes.apple.com/us/podcast/pris-the-world-latest-edition/id278196007?mt=2","tuneIn":"https://tunein.com/podcasts/News--Politics-Podcasts/PRIs-The-World-p24/","rss":"http://feeds.feedburner.com/pri/theworld"}},"radiolab":{"id":"radiolab","title":"Radiolab","info":"A two-time Peabody Award-winner, Radiolab is an investigation told through sounds and stories, and centered around one big idea. In the Radiolab world, information sounds like music and science and culture collide. Hosted by Jad Abumrad and Robert Krulwich, the show is designed for listeners who demand skepticism, but appreciate wonder. WNYC Studios is the producer of other leading podcasts including Freakonomics Radio, Death, Sex & Money, On the Media and many more.","airtime":"SUN 12am-1am, SAT 2pm-3pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/radiolab1400.png","officialWebsiteLink":"https://www.wnycstudios.org/shows/radiolab/","meta":{"site":"science","source":"WNYC"},"link":"/radio/program/radiolab","subscribe":{"apple":"https://itunes.apple.com/us/podcast/radiolab/id152249110?mt=2","tuneIn":"https://tunein.com/radio/RadioLab-p68032/","rss":"https://feeds.wnyc.org/radiolab"}},"reveal":{"id":"reveal","title":"Reveal","info":"Created by The Center for Investigative Reporting and PRX, Reveal is public radios first one-hour weekly radio show and podcast dedicated to investigative reporting. Credible, fact based and without a partisan agenda, Reveal combines the power and artistry of driveway moment storytelling with data-rich reporting on critically important issues. The result is stories that inform and inspire, arming our listeners with information to right injustices, hold the powerful accountable and improve lives.Reveal is hosted by Al Letson and showcases the award-winning work of CIR and newsrooms large and small across the nation. In a radio and podcast market crowded with choices, Reveal focuses on important and often surprising stories that illuminate the world for our listeners.","airtime":"SAT 4pm-5pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/reveal300px.png","officialWebsiteLink":"https://www.revealnews.org/episodes/","meta":{"site":"news","source":"npr"},"link":"/radio/program/reveal","subscribe":{"apple":"https://itunes.apple.com/us/podcast/reveal/id886009669","tuneIn":"https://tunein.com/radio/Reveal-p679597/","rss":"http://feeds.revealradio.org/revealpodcast"}},"says-you":{"id":"says-you","title":"Says You!","info":"Public radio's game show of bluff and bluster, words and whimsy. The warmest, wittiest cocktail party - it's spirited and civil, brainy and boisterous, peppered with musical interludes. Fast paced and playful, it's the most fun you can have with language without getting your mouth washed out with soap. Our motto: It's not important to know the answers, it's important to like the answers!","airtime":"SUN 4pm-5pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Says-You-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://www.saysyouradio.com/","meta":{"site":"comedy","source":"Pipit and Finch"},"link":"/radio/program/says-you","subscribe":{"apple":"https://itunes.apple.com/us/podcast/says-you!/id1050199826","tuneIn":"https://tunein.com/radio/Says-You-p480/","rss":"https://saysyou.libsyn.com/rss"}},"science-friday":{"id":"science-friday","title":"Science Friday","info":"Science Friday is a weekly science talk show, broadcast live over public radio stations nationwide. Each week, the show focuses on science topics that are in the news and tries to bring an educated, balanced discussion to bear on the scientific issues at hand. Panels of expert guests join host Ira Flatow, a veteran science journalist, to discuss science and to take questions from listeners during the call-in portion of the program.","airtime":"FRI 11am-1pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Science-Friday-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.wnycstudios.org/shows/science-friday","meta":{"site":"news","source":"npr"},"link":"/radio/program/science-friday","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=73329284&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Science-Friday-p394/","rss":"http://feeds.wnyc.org/science-friday"}},"science-podcast":{"id":"science-podcast","title":"KQED Science News","tagline":"From the lab, to your ears","info":"KQED Science explores science and environment news, trends, and events from the Bay Area and beyond.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Science-News-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"https://ww2.kqed.org/science/category/science-podcast/","meta":{"site":"science","source":"kqed","order":"17"},"link":"/science/category/science-podcast","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqed-science-news/id214663465","google":"https://podcasts.google.com/feed/aHR0cDovL2Jsb2dzLmtxZWQub3JnL3NjaWVuY2UvZmVlZC8","stitcher":"https://www.stitcher.com/podcast/kqed-science-news","rss":"https://ww2.kqed.org/science/category/science-podcast/feed/podcast"}},"selected-shorts":{"id":"selected-shorts","title":"Selected Shorts","info":"Spellbinding short stories by established and emerging writers take on a new life when they are performed by stars of the stage and screen.","airtime":"SAT 8pm-9pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Selected-Shorts-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pri.org/programs/selected-shorts","meta":{"site":"arts","source":"pri"},"link":"/radio/program/selected-shorts","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=253191824&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Selected-Shorts-p31792/","rss":"https://feeds.megaphone.fm/selectedshorts"}},"snap-judgment":{"id":"snap-judgment","title":"Snap Judgment","info":"Snap Judgment (Storytelling, with a BEAT) mixes real stories with killer beats to produce cinematic, dramatic, kick-ass radio. Snap’s raw, musical brand of storytelling dares listeners to see the world through the eyes of another. WNYC studios is the producer of leading podcasts including Radiolab, Freakonomics Radio, Note To Self, Here’s The Thing With Alec Baldwin, and more.","airtime":"SAT 1pm-2pm, 9pm-10pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/snapJudgement.jpg","officialWebsiteLink":"https://snapjudgment.org","meta":{"site":"arts","source":"WNYC"},"link":"/radio/program/snap-judgment","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=283657561&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Snap-Judgment-p243817/","rss":"https://feeds.feedburner.com/snapjudgment-wnyc"}},"soldout":{"id":"soldout","title":"SOLD OUT: Rethinking Housing in America","tagline":"A new future for housing","info":"Sold Out: Rethinking Housing in America","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Sold-Out-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Sold Out: Rethinking Housing in America","officialWebsiteLink":"/podcasts/soldout","meta":{"site":"news","source":"kqed","order":3},"link":"/podcasts/soldout","subscribe":{"npr":"https://www.npr.org/podcasts/911586047/s-o-l-d-o-u-t-a-new-future-for-housing","apple":"https://podcasts.apple.com/us/podcast/introducing-sold-out-rethinking-housing-in-america/id1531354937","rss":"https://feeds.megaphone.fm/soldout","spotify":"https://open.spotify.com/show/38dTBSk2ISFoPiyYNoKn1X","stitcher":"https://www.stitcher.com/podcast/kqed/sold-out-rethinking-housing-in-america","tunein":"https://tunein.com/radio/SOLD-OUT-Rethinking-Housing-in-America-p1365871/","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vc29sZG91dA"}},"ted-radio-hour":{"id":"ted-radio-hour","title":"TED Radio Hour","info":"The TED Radio Hour is a journey through fascinating ideas, astonishing inventions, fresh approaches to old problems, and new ways to think and create.","airtime":"SUN 3pm-4pm, SAT 10pm-11pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/tedRadioHour.jpg","officialWebsiteLink":"https://www.npr.org/programs/ted-radio-hour/?showDate=2018-06-22","meta":{"site":"news","source":"npr"},"link":"/radio/program/ted-radio-hour","subscribe":{"npr":"https://rpb3r.app.goo.gl/8vsS","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=523121474&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/TED-Radio-Hour-p418021/","rss":"https://feeds.npr.org/510298/podcast.xml"}},"tech-nation":{"id":"tech-nation","title":"Tech Nation Radio Podcast","info":"Tech Nation is a weekly public radio program, hosted by Dr. Moira Gunn. Founded in 1993, it has grown from a simple interview show to a multi-faceted production, featuring conversations with noted technology and science leaders, and a weekly science and technology-related commentary.","airtime":"FRI 10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Tech-Nation-Radio-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://technation.podomatic.com/","meta":{"site":"science","source":"Tech Nation Media"},"link":"/radio/program/tech-nation","subscribe":{"rss":"https://technation.podomatic.com/rss2.xml"}},"thebay":{"id":"thebay","title":"The Bay","tagline":"Local news to keep you rooted","info":"Host Devin Katayama walks you through the biggest story of the day with reporters and newsmakers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Bay-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED The Bay","officialWebsiteLink":"/podcasts/thebay","meta":{"site":"radio","source":"kqed","order":"6"},"link":"/podcasts/thebay","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/the-bay/id1350043452","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM4MjU5Nzg2MzI3","npr":"https://www.npr.org/podcasts/586725995/the-bay","stitcher":"https://www.stitcher.com/podcast/kqed/the-bay","spotify":"https://open.spotify.com/show/4BIKBKIujizLHlIlBNaAqQ","rss":"https://feeds.megaphone.fm/KQINC8259786327"}},"californiareport":{"id":"californiareport","title":"The California Report","tagline":"California, day by day","info":"KQED’s statewide radio news program providing daily coverage of issues, trends and public policy decisions.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED The California Report","officialWebsiteLink":"/californiareport","meta":{"site":"news","source":"kqed","order":"9"},"link":"/californiareport","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-the-california-report/id79681292","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1MDAyODE4NTgz","npr":"https://www.npr.org/podcasts/432285393/the-california-report","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-the-california-report-podcast-8838","rss":"https://ww2.kqed.org/news/tag/tcram/feed/podcast"}},"californiareportmagazine":{"id":"californiareportmagazine","title":"The California Report Magazine","tagline":"Your state, your stories","info":"Every week, The California Report Magazine takes you on a road trip for the ears: to visit the places and meet the people who make California unique. The in-depth storytelling podcast from the California Report.","airtime":"FRI 4:30pm-5pm, 6:30pm-7pm, 11pm-11:30pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Magazine-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/californiareportmagazine","meta":{"site":"news","source":"kqed","order":"10"},"link":"/californiareportmagazine","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/the-california-report-magazine/id1314750545","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM3NjkwNjk1OTAz","npr":"https://www.npr.org/podcasts/564733126/the-california-report-magazine","stitcher":"https://www.stitcher.com/podcast/kqed/the-california-report-magazine","rss":"https://ww2.kqed.org/news/tag/tcrmag/feed/podcast"}},"theleap":{"id":"theleap","title":"The Leap","tagline":"What if you closed your eyes, and jumped?","info":"Stories about people making dramatic, risky changes, told by award-winning public radio reporter Judy Campbell.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Leap-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED The Leap","officialWebsiteLink":"/podcasts/theleap","meta":{"site":"news","source":"kqed","order":"14"},"link":"/podcasts/theleap","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/the-leap/id1046668171","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM0NTcwODQ2MjY2","npr":"https://www.npr.org/podcasts/447248267/the-leap","stitcher":"https://www.stitcher.com/podcast/kqed/the-leap","spotify":"https://open.spotify.com/show/3sSlVHHzU0ytLwuGs1SD1U","rss":"https://ww2.kqed.org/news/programs/the-leap/feed/podcast"}},"masters-of-scale":{"id":"masters-of-scale","title":"Masters of Scale","info":"Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.","airtime":"Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Masters-of-Scale-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://mastersofscale.com/","meta":{"site":"radio","source":"WaitWhat"},"link":"/radio/program/masters-of-scale","subscribe":{"apple":"http://mastersofscale.app.link/","rss":"https://rss.art19.com/masters-of-scale"}},"the-moth-radio-hour":{"id":"the-moth-radio-hour","title":"The Moth Radio Hour","info":"Since its launch in 1997, The Moth has presented thousands of true stories, told live and without notes, to standing-room-only crowds worldwide. Moth storytellers stand alone, under a spotlight, with only a microphone and a roomful of strangers. The storyteller and the audience embark on a high-wire act of shared experience which is both terrifying and exhilarating. Since 2008, The Moth podcast has featured many of our favorite stories told live on Moth stages around the country. For information on all of our programs and live events, visit themoth.org.","airtime":"SAT 8pm-9pm and SUN 11am-12pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/theMoth.jpg","officialWebsiteLink":"https://themoth.org/","meta":{"site":"arts","source":"prx"},"link":"/radio/program/the-moth-radio-hour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/the-moth-podcast/id275699983?mt=2","tuneIn":"https://tunein.com/radio/The-Moth-p273888/","rss":"http://feeds.themoth.org/themothpodcast"}},"the-new-yorker-radio-hour":{"id":"the-new-yorker-radio-hour","title":"The New Yorker Radio Hour","info":"The New Yorker Radio Hour is a weekly program presented by the magazine's editor, David Remnick, and produced by WNYC Studios and The New Yorker. Each episode features a diverse mix of interviews, profiles, storytelling, and an occasional burst of humor inspired by the magazine, and shaped by its writers, artists, and editors. This isn't a radio version of a magazine, but something all its own, reflecting the rich possibilities of audio storytelling and conversation. Theme music for the show was composed and performed by Merrill Garbus of tUnE-YArDs.","airtime":"SAT 10am-11am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-New-Yorker-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.wnycstudios.org/shows/tnyradiohour","meta":{"site":"arts","source":"WNYC"},"link":"/radio/program/the-new-yorker-radio-hour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/id1050430296","tuneIn":"https://tunein.com/podcasts/WNYC-Podcasts/New-Yorker-Radio-Hour-p803804/","rss":"https://feeds.feedburner.com/newyorkerradiohour"}},"the-takeaway":{"id":"the-takeaway","title":"The Takeaway","info":"The Takeaway is produced in partnership with its national audience. It delivers perspective and analysis to help us better understand the day’s news. Be a part of the American conversation on-air and online.","airtime":"MON-THU 12pm-1pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Takeaway-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.wnycstudios.org/shows/takeaway","meta":{"site":"news","source":"WNYC"},"link":"/radio/program/the-takeaway","subscribe":{"apple":"https://itunes.apple.com/us/podcast/the-takeaway/id363143310?mt=2","tuneIn":"http://tunein.com/radio/The-Takeaway-p150731/","rss":"https://feeds.feedburner.com/takeawaypodcast"}},"this-american-life":{"id":"this-american-life","title":"This American Life","info":"This American Life is a weekly public radio show, heard by 2.2 million people on more than 500 stations. Another 2.5 million people download the weekly podcast. It is hosted by Ira Glass, produced in collaboration with Chicago Public Media, delivered to stations by PRX The Public Radio Exchange, and has won all of the major broadcasting awards.","airtime":"SAT 12pm-1pm, 7pm-8pm","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/thisAmericanLife.png","officialWebsiteLink":"https://www.thisamericanlife.org/","meta":{"site":"news","source":"wbez"},"link":"/radio/program/this-american-life","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=201671138&at=11l79Y&ct=nprdirectory","rss":"https://www.thisamericanlife.org/podcast/rss.xml"}},"truthbetold":{"id":"truthbetold","title":"Truth Be Told","tagline":"Advice by and for people of color","info":"We’re the friend you call after a long day, the one who gets it. Through wisdom from some of the greatest thinkers of our time, host Tonya Mosley explores what it means to grow and thrive as a Black person in America, while discovering new ways of being that serve as a portal to more love, more healing, and more joy.","airtime":"","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Truth-Be-Told-Podcast-Tile-360x360-1.jpg","imageAlt":"KQED Truth Be Told with Tonya Mosley","officialWebsiteLink":"https://www.kqed.ord/podcasts/truthbetold","meta":{"site":"news","source":"npr","order":"12"},"link":"/podcasts/truthbetold","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/truth-be-told/id1462216572","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS90cnV0aC1iZS10b2xkLXBvZGNhc3QvZmVlZA","npr":"https://www.npr.org/podcasts/719210818/truth-be-told","stitcher":"https://www.stitcher.com/s?fid=398170&refid=stpr","spotify":"https://open.spotify.com/show/587DhwTBxke6uvfwDfaV5N"}},"wait-wait-dont-tell-me":{"id":"wait-wait-dont-tell-me","title":"Wait Wait... Don't Tell Me!","info":"Peter Sagal and Bill Kurtis host the weekly NPR News quiz show alongside some of the best and brightest news and entertainment personalities.","airtime":"SUN 10am-11am, SAT 11am-12pm, SAT 6pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Wait-Wait-Podcast-Tile-300x300-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/wait-wait-dont-tell-me/","meta":{"site":"news","source":"npr"},"link":"/radio/program/wait-wait-dont-tell-me","subscribe":{"npr":"https://rpb3r.app.goo.gl/Xogv","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=121493804&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Wait-Wait-Dont-Tell-Me-p46/","rss":"https://feeds.npr.org/344098539/podcast.xml"}},"washington-week":{"id":"washington-week","title":"Washington Week","info":"For 50 years, Washington Week has been the most intelligent and up to date conversation about the most important news stories of the week. Washington Week is the longest-running news and public affairs program on PBS and features journalists -- not pundits -- lending insight and perspective to the week's important news stories.","airtime":"SAT 1:30am-2am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/washington-week.jpg","officialWebsiteLink":"http://www.pbs.org/weta/washingtonweek/","meta":{"site":"news","source":"pbs"},"link":"/radio/program/washington-week","subscribe":{"apple":"https://itunes.apple.com/us/podcast/washington-week-audio-pbs/id83324702?mt=2","tuneIn":"https://tunein.com/podcasts/Current-Affairs/Washington-Week-p693/","rss":"http://feeds.pbs.org/pbs/weta/washingtonweek-audio"}},"weekend-edition-saturday":{"id":"weekend-edition-saturday","title":"Weekend Edition Saturday","info":"Weekend Edition Saturday wraps up the week's news and offers a mix of analysis and features on a wide range of topics, including arts, sports, entertainment, and human interest stories. The two-hour program is hosted by NPR's Peabody Award-winning Scott Simon.","airtime":"SAT 5am-10am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Weekend-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/weekend-edition-saturday/","meta":{"site":"news","source":"npr"},"link":"/radio/program/weekend-edition-saturday"},"weekend-edition-sunday":{"id":"weekend-edition-sunday","title":"Weekend Edition Sunday","info":"Weekend Edition Sunday features interviews with newsmakers, artists, scientists, politicians, musicians, writers, theologians and historians. The program has covered news events from Nelson Mandela's 1990 release from a South African prison to the capture of Saddam Hussein.","airtime":"SUN 5am-10am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Weekend-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/weekend-edition-sunday/","meta":{"site":"news","source":"npr"},"link":"/radio/program/weekend-edition-sunday"},"world-affairs":{"id":"world-affairs","title":"World Affairs","info":"The world as we knew it is undergoing a rapid transformation…so what's next? Welcome to WorldAffairs, your guide to a changing world. We give you the context you need to navigate across borders and ideologies. Through sound-rich stories and in-depth interviews, we break down what it means to be a global citizen on a hot, crowded planet. Our hosts, Ray Suarez, Teresa Cotsirilos and Philip Yun help you make sense of an uncertain world, one story at a time.","airtime":"MON 10pm, TUE 1am, SAT 3am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/World-Affairs-Podcast-Tile-360x360-1.jpg ","officialWebsiteLink":"https://www.worldaffairs.org/","meta":{"site":"news","source":"World Affairs"},"link":"/radio/program/world-affairs","subscribe":{"apple":"https://itunes.apple.com/us/podcast/world-affairs/id101215657?mt=2","tuneIn":"https://tunein.com/radio/WorldAffairs-p1665/","rss":"https://worldaffairs.libsyn.com/rss"}},"on-shifting-ground":{"id":"on-shifting-ground","title":"On Shifting Ground with Ray Suarez","info":"Geopolitical turmoil. A warming planet. Authoritarians on the rise. We live in a chaotic world that’s rapidly shifting around us. “On Shifting Ground with Ray Suarez” explores international fault lines and how they impact us all. Each week, NPR veteran Ray Suarez hosts conversations with journalists, leaders and policy experts to help us read between the headlines – and give us hope for human resilience.","airtime":"MON 10pm, TUE 1am, SAT 3am","imageSrc":"https://ww2.kqed.org/app/uploads/2022/12/onshiftingground-600x600-1.png","officialWebsiteLink":"https://worldaffairs.org/radio-podcast/","meta":{"site":"news","source":"On Shifting Ground"},"link":"/radio/program/on-shifting-ground","subscribe":{"apple":"https://podcasts.apple.com/ie/podcast/on-shifting-ground/id101215657","rss":"https://feeds.libsyn.com/36668/rss"}},"hidden-brain":{"id":"hidden-brain","title":"Hidden Brain","info":"Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/hiddenbrain.jpg","officialWebsiteLink":"https://www.npr.org/series/423302056/hidden-brain","airtime":"SUN 7pm-8pm","meta":{"site":"news","source":"NPR"},"link":"/radio/program/hidden-brain","subscribe":{"apple":"https://itunes.apple.com/us/podcast/hidden-brain/id1028908750?mt=2","tuneIn":"https://tunein.com/podcasts/Science-Podcasts/Hidden-Brain-p787503/","rss":"https://feeds.npr.org/510308/podcast.xml"}},"city-arts":{"id":"city-arts","title":"City Arts & Lectures","info":"A one-hour radio program to hear celebrated writers, artists and thinkers address contemporary ideas and values, often discussing the creative process. Please note: tapes or transcripts are not available","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/cityartsandlecture-300x300.jpg","officialWebsiteLink":"https://www.cityarts.net/","airtime":"SUN 1pm-2pm, TUE 10pm, WED 1am","meta":{"site":"news","source":"City Arts & Lectures"},"link":"https://www.cityarts.net","subscribe":{"tuneIn":"https://tunein.com/radio/City-Arts-and-Lectures-p692/","rss":"https://www.cityarts.net/feed/"}},"white-lies":{"id":"white-lies","title":"White Lies","info":"In 1965, Rev. James Reeb was murdered in Selma, Alabama. Three men were tried and acquitted, but no one was ever held to account. Fifty years later, two journalists from Alabama return to the city where it happened, expose the lies that kept the murder from being solved and uncover a story about guilt and memory that says as much about America today as it does about the past.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/White-Lies-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/podcasts/510343/white-lies","meta":{"site":"news","source":"npr"},"link":"/radio/program/white-lies","subscribe":{"npr":"https://rpb3r.app.goo.gl/whitelies","apple":"https://podcasts.apple.com/podcast/id1462650519?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM0My9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/12yZ2j8vxqhc0QZyRES3ft?si=LfWYEK6URA63hueKVxRLAw","rss":"https://feeds.npr.org/510343/podcast.xml"}},"rightnowish":{"id":"rightnowish","title":"Rightnowish","tagline":"Art is where you find it","info":"Rightnowish digs into life in the Bay Area right now… ish. Journalist Pendarvis Harshaw takes us to galleries painted on the sides of liquor stores in West Oakland. We'll dance in warehouses in the Bayview, make smoothies with kids in South Berkeley, and listen to classical music in a 1984 Cutlass Supreme in Richmond. Every week, Pen talks to movers and shakers about how the Bay Area shapes what they create, and how they shape the place we call home.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Rightnowish-Podcast-Tile-500x500-1.jpg","imageAlt":"KQED Rightnowish with Pendarvis Harshaw","officialWebsiteLink":"/podcasts/rightnowish","meta":{"site":"arts","source":"kqed","order":"5"},"link":"/podcasts/rightnowish","subscribe":{"npr":"https://www.npr.org/podcasts/721590300/rightnowish","rss":"https://ww2.kqed.org/arts/programs/rightnowish/feed/podcast","apple":"https://podcasts.apple.com/us/podcast/rightnowish/id1482187648","stitcher":"https://www.stitcher.com/podcast/kqed/rightnowish","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMxMjU5MTY3NDc4","spotify":"https://open.spotify.com/show/7kEJuafTzTVan7B78ttz1I"}},"jerrybrown":{"id":"jerrybrown","title":"The Political Mind of Jerry Brown","tagline":"Lessons from a lifetime in politics","info":"The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game – and Brown has some lessons he'd like to share. ","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED The Political Mind of Jerry Brown","officialWebsiteLink":"/podcasts/jerrybrown","meta":{"site":"news","source":"kqed","order":"16"},"link":"/podcasts/jerrybrown","subscribe":{"npr":"https://www.npr.org/podcasts/790253322/the-political-mind-of-jerry-brown","apple":"https://itunes.apple.com/us/podcast/id1492194549","rss":"https://ww2.kqed.org/news/series/jerrybrown/feed/podcast/","tuneIn":"http://tun.in/pjGcK","stitcher":"https://www.stitcher.com/podcast/kqed/the-political-mind-of-jerry-brown","spotify":"https://open.spotify.com/show/54C1dmuyFyKMFttY6X2j6r?si=K8SgRCoISNK6ZbjpXrX5-w","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9zZXJpZXMvamVycnlicm93bi9mZWVkL3BvZGNhc3Qv"}},"the-splendid-table":{"id":"the-splendid-table","title":"The Splendid Table","info":"\u003cem>The Splendid Table\u003c/em> hosts our nation's conversations about cooking, sustainability and food culture.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/The-Splendid-Table-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.splendidtable.org/","airtime":"SUN 10-11 pm","meta":{"site":"radio","source":"npr"},"link":"/radio/program/the-splendid-table"}},"racesReducer":{"5921":{"id":"5921","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 7","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":158422,"precinctsReportPercentage":98.97,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Doris Matsui","candidateIncumbent":true,"candidateParty":"D","voteCount":89456,"isWinner":true},{"candidateName":"Tom Silva","candidateIncumbent":false,"candidateParty":"R","voteCount":48920,"isWinner":true},{"candidateName":"David Mandel","candidateIncumbent":false,"candidateParty":"D","voteCount":20046,"isWinner":false}],"winnerDateTime":"2024-03-09T01:00:38.194Z"},"5922":{"id":"5922","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 8","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Rudy Recile","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"John Garamendi","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5924":{"id":"5924","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 10","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":185034,"precinctsReportPercentage":99.07,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Mark DeSaulnier","candidateIncumbent":true,"candidateParty":"D","voteCount":121265,"isWinner":true},{"candidateName":"Katherine Piccinini","candidateIncumbent":false,"candidateParty":"R","voteCount":34883,"isWinner":true},{"candidateName":"Nolan Chen","candidateIncumbent":false,"candidateParty":"R","voteCount":19459,"isWinner":false},{"candidateName":"Joe Sweeney","candidateIncumbent":false,"candidateParty":"NPP","voteCount":7606,"isWinner":false},{"candidateName":"Mohamed Elsherbini","candidateIncumbent":false,"candidateParty":"NPP","voteCount":1821,"isWinner":false}],"winnerDateTime":"2024-03-09T01:02:32.415Z"},"5926":{"id":"5926","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 12","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":153801,"precinctsReportPercentage":98.88,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:41 PM","source":"AP","candidates":[{"candidateName":"Lateefah Simon","candidateIncumbent":false,"candidateParty":"D","voteCount":85905,"isWinner":true},{"candidateName":"Jennifer Tran","candidateIncumbent":false,"candidateParty":"D","voteCount":22964,"isWinner":true},{"candidateName":"Tony Daysog","candidateIncumbent":false,"candidateParty":"D","voteCount":17197,"isWinner":false},{"candidateName":"Stephen Slauson","candidateIncumbent":false,"candidateParty":"R","voteCount":9699,"isWinner":false},{"candidateName":"Glenn Kaplan","candidateIncumbent":false,"candidateParty":"D","voteCount":6785,"isWinner":false},{"candidateName":"Eric Wilson","candidateIncumbent":false,"candidateParty":"D","voteCount":4243,"isWinner":false},{"candidateName":"Abdur Sikder","candidateIncumbent":false,"candidateParty":"D","voteCount":2847,"isWinner":false},{"candidateName":"Ned Nuerge","candidateIncumbent":false,"candidateParty":"R","voteCount":2532,"isWinner":false},{"candidateName":"Andre Todd","candidateIncumbent":false,"candidateParty":"D","voteCount":1629,"isWinner":false}],"winnerDateTime":"2024-03-16T00:22:36.062Z"},"5928":{"id":"5928","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 14","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":125831,"precinctsReportPercentage":99.14,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:41 PM","source":"AP","candidates":[{"candidateName":"Eric Swalwell","candidateIncumbent":true,"candidateParty":"D","voteCount":83989,"isWinner":true},{"candidateName":"Vin Kruttiventi","candidateIncumbent":false,"candidateParty":"R","voteCount":22106,"isWinner":true},{"candidateName":"Alison Hayden","candidateIncumbent":false,"candidateParty":"R","voteCount":11928,"isWinner":false},{"candidateName":"Luis Reynoso","candidateIncumbent":false,"candidateParty":"R","voteCount":7808,"isWinner":false}],"winnerDateTime":"2024-03-12T00:51:36.366Z"},"5930":{"id":"5930","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 16","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":182135,"precinctsReportPercentage":98.91,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"April 3, 2024","timeUpdated":"3:04 PM","source":"AP","candidates":[{"candidateName":"Sam Liccardo","candidateIncumbent":false,"candidateParty":"D","voteCount":38489,"isWinner":true},{"candidateName":"Evan Low","candidateIncumbent":false,"candidateParty":"D","voteCount":30249,"isWinner":false},{"candidateName":"Joe Simitian","candidateIncumbent":false,"candidateParty":"D","voteCount":30249,"isWinner":false},{"candidateName":"Peter Ohtaki","candidateIncumbent":false,"candidateParty":"R","voteCount":23275,"isWinner":false},{"candidateName":"Peter Dixon","candidateIncumbent":false,"candidateParty":"D","voteCount":14673,"isWinner":false},{"candidateName":"Rishi Kumar","candidateIncumbent":false,"candidateParty":"D","voteCount":12377,"isWinner":false},{"candidateName":"Karl Ryan","candidateIncumbent":false,"candidateParty":"R","voteCount":11557,"isWinner":false},{"candidateName":"Julie Lythcott-Haims","candidateIncumbent":false,"candidateParty":"D","voteCount":11383,"isWinner":false},{"candidateName":"Ahmed Mostafa","candidateIncumbent":false,"candidateParty":"D","voteCount":5811,"isWinner":false},{"candidateName":"Greg Tanaka","candidateIncumbent":false,"candidateParty":"D","voteCount":2421,"isWinner":false},{"candidateName":"Joby Bernstein","candidateIncumbent":false,"candidateParty":"D","voteCount":1651,"isWinner":false}],"winnerDateTime":"2024-03-12T00:32:05.002Z"},"5931":{"id":"5931","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 17","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":117534,"precinctsReportPercentage":98.92,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Ro Khanna","candidateIncumbent":true,"candidateParty":"D","voteCount":73941,"isWinner":true},{"candidateName":"Anita Chen","candidateIncumbent":false,"candidateParty":"R","voteCount":31539,"isWinner":true},{"candidateName":"Ritesh Tandon","candidateIncumbent":false,"candidateParty":"D","voteCount":5728,"isWinner":false},{"candidateName":"Mario Ramirez","candidateIncumbent":false,"candidateParty":"D","voteCount":4491,"isWinner":false},{"candidateName":"Joe Dehn","candidateIncumbent":false,"candidateParty":"Lib","voteCount":1835,"isWinner":false}],"winnerDateTime":"2024-03-08T01:50:53.956Z"},"5932":{"id":"5932","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 18","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":96302,"precinctsReportPercentage":98.93,"eevp":98.83,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Zoe Lofgren","candidateIncumbent":true,"candidateParty":"D","voteCount":49323,"isWinner":true},{"candidateName":"Peter Hernandez","candidateIncumbent":false,"candidateParty":"R","voteCount":31622,"isWinner":true},{"candidateName":"Charlene Nijmeh","candidateIncumbent":false,"candidateParty":"D","voteCount":10614,"isWinner":false},{"candidateName":"Lawrence Milan","candidateIncumbent":false,"candidateParty":"D","voteCount":2712,"isWinner":false},{"candidateName":"Luele Kifle","candidateIncumbent":false,"candidateParty":"D","voteCount":2031,"isWinner":false}],"winnerDateTime":"2024-03-12T00:26:02.706Z"},"5963":{"id":"5963","type":"apRace","location":"State of California","raceName":"State House, District 2","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":139085,"precinctsReportPercentage":98.62,"eevp":98.6,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Michael Greer","candidateIncumbent":false,"candidateParty":"R","voteCount":38079,"isWinner":true},{"candidateName":"Chris Rogers","candidateIncumbent":false,"candidateParty":"D","voteCount":27126,"isWinner":true},{"candidateName":"Rusty Hicks","candidateIncumbent":false,"candidateParty":"D","voteCount":25615,"isWinner":false},{"candidateName":"Ariel Kelley","candidateIncumbent":false,"candidateParty":"D","voteCount":19483,"isWinner":false},{"candidateName":"Frankie Myers","candidateIncumbent":false,"candidateParty":"D","voteCount":17694,"isWinner":false},{"candidateName":"Ted Williams","candidateIncumbent":false,"candidateParty":"D","voteCount":9550,"isWinner":false},{"candidateName":"Cynthia Click","candidateIncumbent":false,"candidateParty":"D","voteCount":1538,"isWinner":false}],"winnerDateTime":"2024-03-22T21:38:36.711Z"},"5972":{"id":"5972","type":"apRace","location":"State of California","raceName":"State House, District 11","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":99775,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Lori Wilson","candidateIncumbent":true,"candidateParty":"D","voteCount":50085,"isWinner":true},{"candidateName":"Dave Ennis","candidateIncumbent":false,"candidateParty":"R","voteCount":26074,"isWinner":true},{"candidateName":"Wanda Wallis","candidateIncumbent":false,"candidateParty":"R","voteCount":14638,"isWinner":false},{"candidateName":"Jeffrey Flack","candidateIncumbent":false,"candidateParty":"D","voteCount":8978,"isWinner":false}],"winnerDateTime":"2024-03-08T02:01:24.524Z"},"5973":{"id":"5973","type":"apRace","location":"State of California","raceName":"State House, District 12","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":143532,"precinctsReportPercentage":99.19,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:38 PM","source":"AP","candidates":[{"candidateName":"Damon Connolly","candidateIncumbent":true,"candidateParty":"D","voteCount":111275,"isWinner":true},{"candidateName":"Andy Podshadley","candidateIncumbent":false,"candidateParty":"R","voteCount":17240,"isWinner":true},{"candidateName":"Eryn Cervantes","candidateIncumbent":false,"candidateParty":"R","voteCount":15017,"isWinner":false}],"winnerDateTime":"2024-03-21T00:25:32.262Z"},"5975":{"id":"5975","type":"apRace","location":"State of California","raceName":"State House, District 14","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":106997,"precinctsReportPercentage":99.06,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Buffy Wicks","candidateIncumbent":true,"candidateParty":"D","voteCount":78678,"isWinner":true},{"candidateName":"Margot Smith","candidateIncumbent":false,"candidateParty":"D","voteCount":18251,"isWinner":true},{"candidateName":"Utkarsh Jain","candidateIncumbent":false,"candidateParty":"R","voteCount":10068,"isWinner":false}],"winnerDateTime":"2024-03-15T01:30:34.539Z"},"5976":{"id":"5976","type":"apRace","location":"State of California","raceName":"State House, District 15","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":97144,"precinctsReportPercentage":98.98,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Sonia Ledo","candidateIncumbent":false,"candidateParty":"R","voteCount":30946,"isWinner":true},{"candidateName":"Anamarie Farias","candidateIncumbent":false,"candidateParty":"D","voteCount":29512,"isWinner":true},{"candidateName":"Monica Wilson","candidateIncumbent":false,"candidateParty":"D","voteCount":24775,"isWinner":false},{"candidateName":"Karen Mitchoff","candidateIncumbent":false,"candidateParty":"D","voteCount":11911,"isWinner":false}],"winnerDateTime":"2024-03-14T00:19:38.858Z"},"5977":{"id":"5977","type":"apRace","location":"State of California","raceName":"State House, District 16","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Joseph Rubay","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Rebecca Bauer-Kahan","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5978":{"id":"5978","type":"apRace","location":"State of California","raceName":"State House, District 17","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":111003,"precinctsReportPercentage":98.99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"8:25 AM","source":"AP","candidates":[{"candidateName":"Matt Haney","candidateIncumbent":true,"candidateParty":"D","voteCount":90915,"isWinner":true},{"candidateName":"Manuel Noris-Barrera","candidateIncumbent":false,"candidateParty":"R","voteCount":13843,"isWinner":true},{"candidateName":"Otto Duke","candidateIncumbent":false,"candidateParty":"D","voteCount":6245,"isWinner":false}],"winnerDateTime":"2024-03-12T00:36:19.697Z"},"5979":{"id":"5979","type":"apRace","location":"State of California","raceName":"State House, District 18","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":86008,"precinctsReportPercentage":99.1,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:41 PM","source":"AP","candidates":[{"candidateName":"Mia Bonta","candidateIncumbent":true,"candidateParty":"D","voteCount":73040,"isWinner":true},{"candidateName":"Andre Sandford","candidateIncumbent":false,"candidateParty":"AIP","voteCount":4575,"isWinner":false},{"candidateName":"Mindy Pechenuk","candidateIncumbent":false,"candidateParty":"R","voteCount":4389,"isWinner":false},{"candidateName":"Cheyenne Kenney","candidateIncumbent":false,"candidateParty":"R","voteCount":4004,"isWinner":false}],"winnerDateTime":"2024-03-06T08:03:23.729Z"},"5980":{"id":"5980","type":"apRace","location":"State of California","raceName":"State House, District 19","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":113959,"precinctsReportPercentage":98.8,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Catherine Stefani","candidateIncumbent":false,"candidateParty":"D","voteCount":64960,"isWinner":true},{"candidateName":"David Lee","candidateIncumbent":false,"candidateParty":"D","voteCount":33035,"isWinner":true},{"candidateName":"Nadia Flamenco","candidateIncumbent":false,"candidateParty":"R","voteCount":8335,"isWinner":false},{"candidateName":"Arjun Sodhani","candidateIncumbent":false,"candidateParty":"R","voteCount":7629,"isWinner":false}],"winnerDateTime":"2024-03-11T23:50:23.109Z"},"5981":{"id":"5981","type":"apRace","location":"State of California","raceName":"State House, District 20","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:36 PM","source":"AP","candidates":[{"candidateName":"Liz Ortega","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5982":{"id":"5982","type":"apRace","location":"State of California","raceName":"State House, District 21","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Mark Gilham","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Diane Papan","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"5984":{"id":"5984","type":"apRace","location":"State of California","raceName":"State House, District 23","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":116963,"precinctsReportPercentage":98.91,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Marc Berman","candidateIncumbent":true,"candidateParty":"D","voteCount":67106,"isWinner":true},{"candidateName":"Lydia Kou","candidateIncumbent":false,"candidateParty":"D","voteCount":23699,"isWinner":true},{"candidateName":"Gus Mattammal","candidateIncumbent":false,"candidateParty":"R","voteCount":13277,"isWinner":false},{"candidateName":"Allan Marson","candidateIncumbent":false,"candidateParty":"R","voteCount":12881,"isWinner":false}],"winnerDateTime":"2024-03-12T01:13:06.280Z"},"5987":{"id":"5987","type":"apRace","location":"State of California","raceName":"State House, District 26","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":72753,"precinctsReportPercentage":99.19,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Patrick Ahrens","candidateIncumbent":false,"candidateParty":"D","voteCount":25036,"isWinner":true},{"candidateName":"Tara Sreekrishnan","candidateIncumbent":false,"candidateParty":"D","voteCount":19600,"isWinner":true},{"candidateName":"Sophie Song","candidateIncumbent":false,"candidateParty":"R","voteCount":15954,"isWinner":false},{"candidateName":"Omar Din","candidateIncumbent":false,"candidateParty":"D","voteCount":8772,"isWinner":false},{"candidateName":"Bob Goodwyn","candidateIncumbent":false,"candidateParty":"Lib","voteCount":2170,"isWinner":false},{"candidateName":"Ashish Garg","candidateIncumbent":false,"candidateParty":"NPP","voteCount":1221,"isWinner":false}],"winnerDateTime":"2024-03-13T21:06:29.070Z"},"5989":{"id":"5989","type":"apRace","location":"State of California","raceName":"State House, District 28","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Gail Pellerin","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Liz Lawler","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6010":{"id":"6010","type":"apRace","location":"State of California","raceName":"State House, District 49","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:36 PM","source":"AP","candidates":[{"candidateName":"Mike Fong","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Long Liu","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6018":{"id":"6018","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 2","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":229348,"precinctsReportPercentage":99.05,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:38 PM","source":"AP","candidates":[{"candidateName":"Jared Huffman","candidateIncumbent":true,"candidateParty":"D","voteCount":169005,"isWinner":true},{"candidateName":"Chris Coulombe","candidateIncumbent":false,"candidateParty":"R","voteCount":37372,"isWinner":true},{"candidateName":"Tief Gibbs","candidateIncumbent":false,"candidateParty":"R","voteCount":18437,"isWinner":false},{"candidateName":"Jolian Kangas","candidateIncumbent":false,"candidateParty":"NPP","voteCount":3166,"isWinner":false},{"candidateName":"Jason Brisendine","candidateIncumbent":false,"candidateParty":"NPP","voteCount":1368,"isWinner":false}],"winnerDateTime":"2024-03-12T00:46:10.103Z"},"6020":{"id":"6020","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 4","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":187640,"precinctsReportPercentage":96.32,"eevp":96.36,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Mike Thompson","candidateIncumbent":true,"candidateParty":"D","voteCount":118147,"isWinner":true},{"candidateName":"John Munn","candidateIncumbent":false,"candidateParty":"R","voteCount":56232,"isWinner":true},{"candidateName":"Andrew Engdahl","candidateIncumbent":false,"candidateParty":"D","voteCount":11202,"isWinner":false},{"candidateName":"Niket Patwardhan","candidateIncumbent":false,"candidateParty":"NPP","voteCount":2059,"isWinner":false}],"winnerDateTime":"2024-03-07T00:30:57.980Z"},"6025":{"id":"6025","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 9","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":121271,"precinctsReportPercentage":99.17,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Josh Harder","candidateIncumbent":true,"candidateParty":"D","voteCount":60396,"isWinner":true},{"candidateName":"Kevin Lincoln","candidateIncumbent":false,"candidateParty":"R","voteCount":36346,"isWinner":true},{"candidateName":"John McBride","candidateIncumbent":false,"candidateParty":"R","voteCount":15525,"isWinner":false},{"candidateName":"Khalid Jafri","candidateIncumbent":false,"candidateParty":"R","voteCount":9004,"isWinner":false}],"winnerDateTime":"2024-03-12T00:49:44.113Z"},"6031":{"id":"6031","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 15","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Anna Kramer","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Kevin Mullin","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6035":{"id":"6035","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 19","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":203670,"precinctsReportPercentage":99.11,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Jimmy Panetta","candidateIncumbent":true,"candidateParty":"D","voteCount":132540,"isWinner":true},{"candidateName":"Jason Anderson","candidateIncumbent":false,"candidateParty":"R","voteCount":58120,"isWinner":true},{"candidateName":"Sean Dougherty","candidateIncumbent":false,"candidateParty":"Grn","voteCount":13010,"isWinner":false}],"winnerDateTime":"2024-03-07T00:23:46.779Z"},"6066":{"id":"6066","type":"apRace","location":"State of California","raceName":"State House, District 3","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Jamie Gallagher","candidateIncumbent":true,"candidateParty":"R","voteCount":0,"isWinner":true},{"candidateName":"Aaron Draper","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6067":{"id":"6067","type":"apRace","location":"State of California","raceName":"State House, District 4","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Cecilia Aguiar-Curry","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6087":{"id":"6087","type":"apRace","location":"State of California","raceName":"State House, District 24","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":66643,"precinctsReportPercentage":99.19,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Alex Lee","candidateIncumbent":true,"candidateParty":"D","voteCount":45544,"isWinner":true},{"candidateName":"Bob Brunton","candidateIncumbent":false,"candidateParty":"R","voteCount":14951,"isWinner":true},{"candidateName":"Marti Souza","candidateIncumbent":false,"candidateParty":"R","voteCount":6148,"isWinner":false}],"winnerDateTime":"2024-03-14T23:23:49.770Z"},"6088":{"id":"6088","type":"apRace","location":"State of California","raceName":"State House, District 25","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":69560,"precinctsReportPercentage":99.31,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Ash Kalra","candidateIncumbent":true,"candidateParty":"D","voteCount":35821,"isWinner":true},{"candidateName":"Ted Stroll","candidateIncumbent":false,"candidateParty":"R","voteCount":18255,"isWinner":true},{"candidateName":"Lan Ngo","candidateIncumbent":false,"candidateParty":"D","voteCount":15484,"isWinner":false}],"winnerDateTime":"2024-03-14T02:40:57.200Z"},"6092":{"id":"6092","type":"apRace","location":"State of California","raceName":"State House, District 29","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Robert Rivas","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"J.W. Paine","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6223":{"id":"6223","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 46","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:16 PM","source":"AP","candidates":[{"candidateName":"Lou Correa","candidateIncumbent":true,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"David Pan","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6530":{"id":"6530","type":"apRace","location":"State of California","raceName":"State Senate, District 3","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":222193,"precinctsReportPercentage":98.99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Thom Bogue","candidateIncumbent":false,"candidateParty":"R","voteCount":61776,"isWinner":true},{"candidateName":"Christopher Cabaldon","candidateIncumbent":false,"candidateParty":"D","voteCount":59041,"isWinner":true},{"candidateName":"Rozzana Verder-Aliga","candidateIncumbent":false,"candidateParty":"D","voteCount":45546,"isWinner":false},{"candidateName":"Jackie Elward","candidateIncumbent":false,"candidateParty":"D","voteCount":41127,"isWinner":false},{"candidateName":"Jimih Jones","candidateIncumbent":false,"candidateParty":"R","voteCount":14703,"isWinner":false}],"winnerDateTime":"2024-03-15T01:24:31.539Z"},"6531":{"id":"6531","type":"apRace","location":"State of California","raceName":"State Senate, District 5","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":171623,"precinctsReportPercentage":99.09,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"5:10 PM","source":"AP","candidates":[{"candidateName":"Jim Shoemaker","candidateIncumbent":false,"candidateParty":"R","voteCount":74935,"isWinner":true},{"candidateName":"Jerry McNerney","candidateIncumbent":false,"candidateParty":"D","voteCount":57040,"isWinner":true},{"candidateName":"Carlos Villapudua","candidateIncumbent":false,"candidateParty":"D","voteCount":39648,"isWinner":false}],"winnerDateTime":"2024-03-13T20:07:46.382Z"},"6532":{"id":"6532","type":"apRace","location":"State of California","raceName":"State Senate, District 7","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":192446,"precinctsReportPercentage":98.72,"eevp":98.78,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:48 PM","source":"AP","candidates":[{"candidateName":"Jesse Arreguín","candidateIncumbent":false,"candidateParty":"D","voteCount":61837,"isWinner":true},{"candidateName":"Jovanka Beckles","candidateIncumbent":false,"candidateParty":"D","voteCount":34025,"isWinner":true},{"candidateName":"Dan Kalb","candidateIncumbent":false,"candidateParty":"D","voteCount":28842,"isWinner":false},{"candidateName":"Kathryn Lybarger","candidateIncumbent":false,"candidateParty":"D","voteCount":28041,"isWinner":false},{"candidateName":"Sandre Swanson","candidateIncumbent":false,"candidateParty":"D","voteCount":22862,"isWinner":false},{"candidateName":"Jeanne Solnordal","candidateIncumbent":false,"candidateParty":"R","voteCount":16839,"isWinner":false}],"winnerDateTime":"2024-03-16T00:58:11.533Z"},"6533":{"id":"6533","type":"apRace","location":"State of California","raceName":"State Senate, District 9","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Tim Grayson","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Marisol Rubio","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6534":{"id":"6534","type":"apRace","location":"State of California","raceName":"State Senate, District 11","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":228260,"precinctsReportPercentage":99.09,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Scott Wiener","candidateIncumbent":true,"candidateParty":"D","voteCount":166592,"isWinner":true},{"candidateName":"Yvette Corkrean","candidateIncumbent":false,"candidateParty":"R","voteCount":34438,"isWinner":true},{"candidateName":"Cynthia Cravens","candidateIncumbent":false,"candidateParty":"D","voteCount":18513,"isWinner":false},{"candidateName":"Jing Xiong","candidateIncumbent":false,"candidateParty":"NPP","voteCount":8717,"isWinner":false}],"winnerDateTime":"2024-03-12T02:01:51.597Z"},"6535":{"id":"6535","type":"apRace","location":"State of California","raceName":"State Senate, District 13","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":227191,"precinctsReportPercentage":98.88,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Josh Becker","candidateIncumbent":true,"candidateParty":"D","voteCount":167127,"isWinner":true},{"candidateName":"Alexander Glew","candidateIncumbent":false,"candidateParty":"R","voteCount":42788,"isWinner":true},{"candidateName":"Christina Laskowski","candidateIncumbent":false,"candidateParty":"R","voteCount":17276,"isWinner":false}],"winnerDateTime":"2024-03-12T01:56:24.964Z"},"6536":{"id":"6536","type":"apRace","location":"State of California","raceName":"State Senate, District 15","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":180231,"precinctsReportPercentage":98.81,"eevp":98.95,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"4:20 PM","source":"AP","candidates":[{"candidateName":"Dave Cortese","candidateIncumbent":true,"candidateParty":"D","voteCount":124440,"isWinner":true},{"candidateName":"Robert Howell","candidateIncumbent":false,"candidateParty":"R","voteCount":34173,"isWinner":true},{"candidateName":"Tony Loaiza","candidateIncumbent":false,"candidateParty":"R","voteCount":21618,"isWinner":false}],"winnerDateTime":"2024-03-13T01:15:45.365Z"},"6548":{"id":"6548","type":"apRace","location":"State of California","raceName":"State Senate, District 39","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":0,"uncontested":true,"precinctsReportPercentage":0,"eevp":0,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 20, 2024","timeUpdated":"4:55 PM","source":"AP","candidates":[{"candidateName":"Akilah Weber","candidateIncumbent":false,"candidateParty":"D","voteCount":0,"isWinner":true},{"candidateName":"Bob Divine","candidateIncumbent":false,"candidateParty":"R","voteCount":0,"isWinner":true}],"winnerDateTime":"2024-03-06T04:00:30.000Z"},"6611":{"id":"6611","type":"apRace","location":"State of California","raceName":"U.S. House of Representatives, District 11","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":188732,"precinctsReportPercentage":98.89,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 22, 2024","timeUpdated":"8:25 AM","source":"AP","candidates":[{"candidateName":"Nancy Pelosi","candidateIncumbent":true,"candidateParty":"D","voteCount":138285,"isWinner":true},{"candidateName":"Bruce Lou","candidateIncumbent":false,"candidateParty":"R","voteCount":16285,"isWinner":true},{"candidateName":"Marjorie Mikels","candidateIncumbent":false,"candidateParty":"D","voteCount":9363,"isWinner":false},{"candidateName":"Bianca Von Krieg","candidateIncumbent":false,"candidateParty":"D","voteCount":7634,"isWinner":false},{"candidateName":"Jason Zeng","candidateIncumbent":false,"candidateParty":"R","voteCount":6607,"isWinner":false},{"candidateName":"Jason Boyce","candidateIncumbent":false,"candidateParty":"D","voteCount":4325,"isWinner":false},{"candidateName":"Larry Nichelson","candidateIncumbent":false,"candidateParty":"R","voteCount":3482,"isWinner":false},{"candidateName":"Eve Del Castello","candidateIncumbent":false,"candidateParty":"R","voteCount":2751,"isWinner":false}],"winnerDateTime":"2024-03-12T00:31:55.445Z"},"8589":{"id":"8589","type":"apRace","location":"State of California","raceName":"U.S. Senate, Class I","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":7276537,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Adam Schiff","candidateIncumbent":false,"candidateParty":"D","voteCount":2299507,"isWinner":true},{"candidateName":"Steve Garvey","candidateIncumbent":false,"candidateParty":"R","voteCount":2292414,"isWinner":true},{"candidateName":"Katie Porter","candidateIncumbent":false,"candidateParty":"D","voteCount":1115606,"isWinner":false},{"candidateName":"Barbara Lee","candidateIncumbent":false,"candidateParty":"D","voteCount":714408,"isWinner":false},{"candidateName":"Eric Early","candidateIncumbent":false,"candidateParty":"R","voteCount":240723,"isWinner":false},{"candidateName":"James Bradley","candidateIncumbent":false,"candidateParty":"R","voteCount":98180,"isWinner":false},{"candidateName":"Christina Pascucci","candidateIncumbent":false,"candidateParty":"D","voteCount":61755,"isWinner":false},{"candidateName":"Sharleta Bassett","candidateIncumbent":false,"candidateParty":"R","voteCount":54422,"isWinner":false},{"candidateName":"Sarah Liew","candidateIncumbent":false,"candidateParty":"R","voteCount":38483,"isWinner":false},{"candidateName":"Laura Garza ","candidateIncumbent":false,"candidateParty":"NPP","voteCount":34320,"isWinner":false},{"candidateName":"Jonathan Reiss","candidateIncumbent":false,"candidateParty":"R","voteCount":34283,"isWinner":false},{"candidateName":"Sepi Gilani","candidateIncumbent":false,"candidateParty":"D","voteCount":34056,"isWinner":false},{"candidateName":"Gail Lightfoot","candidateIncumbent":false,"candidateParty":"Lib","voteCount":33046,"isWinner":false},{"candidateName":"Denice Gary-Pandol","candidateIncumbent":false,"candidateParty":"R","voteCount":25494,"isWinner":false},{"candidateName":"James Macauley","candidateIncumbent":false,"candidateParty":"R","voteCount":23168,"isWinner":false},{"candidateName":"Harmesh Kumar","candidateIncumbent":false,"candidateParty":"D","voteCount":21522,"isWinner":false},{"candidateName":"David Peterson","candidateIncumbent":false,"candidateParty":"D","voteCount":21076,"isWinner":false},{"candidateName":"Douglas Pierce","candidateIncumbent":false,"candidateParty":"D","voteCount":19371,"isWinner":false},{"candidateName":"Major Singh","candidateIncumbent":false,"candidateParty":"NPP","voteCount":16965,"isWinner":false},{"candidateName":"John Rose","candidateIncumbent":false,"candidateParty":"D","voteCount":14577,"isWinner":false},{"candidateName":"Perry Pound","candidateIncumbent":false,"candidateParty":"D","voteCount":14134,"isWinner":false},{"candidateName":"Raji Rab","candidateIncumbent":false,"candidateParty":"D","voteCount":13558,"isWinner":false},{"candidateName":"Mark Ruzon","candidateIncumbent":false,"candidateParty":"NPP","voteCount":13429,"isWinner":false},{"candidateName":"Forrest Jones","candidateIncumbent":false,"candidateParty":"AIP","voteCount":13027,"isWinner":false},{"candidateName":"Stefan Simchowitz","candidateIncumbent":false,"candidateParty":"R","voteCount":12717,"isWinner":false},{"candidateName":"Martin Veprauskas","candidateIncumbent":false,"candidateParty":"R","voteCount":9714,"isWinner":false},{"candidateName":"Don Grundmann","candidateIncumbent":false,"candidateParty":"NPP","voteCount":6582,"isWinner":false}],"winnerDateTime":"2024-03-06T05:01:46.589Z"},"8686":{"id":"8686","type":"apRace","location":"State of California","raceName":"President,","raceDescription":"Top candidate wins seat.","raceType":"top1","totalVotes":3589127,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:48 AM","source":"AP","candidates":[{"candidateName":"Joe Biden","candidateIncumbent":true,"candidateParty":"D","voteCount":3200188,"isWinner":true},{"candidateName":"Marianne Williamson","candidateIncumbent":false,"candidateParty":"D","voteCount":145690,"isWinner":false},{"candidateName":"Dean Phillips","candidateIncumbent":false,"candidateParty":"D","voteCount":99981,"isWinner":false},{"candidateName":"Armando Perez-Serrato","candidateIncumbent":false,"candidateParty":"D","voteCount":42925,"isWinner":false},{"candidateName":"Gabriel Cornejo","candidateIncumbent":false,"candidateParty":"D","voteCount":41261,"isWinner":false},{"candidateName":"President Boddie","candidateIncumbent":false,"candidateParty":"D","voteCount":25373,"isWinner":false},{"candidateName":"Stephen Lyons","candidateIncumbent":false,"candidateParty":"D","voteCount":21008,"isWinner":false},{"candidateName":"Eban Cambridge","candidateIncumbent":false,"candidateParty":"D","voteCount":12701,"isWinner":false}],"winnerDateTime":"2024-03-06T04:12:27.559Z"},"8688":{"id":"8688","type":"apRace","location":"State of California","raceName":"President,","raceDescription":"Top candidate wins seat.","raceType":"top1","totalVotes":2466569,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Donald Trump","candidateIncumbent":false,"candidateParty":"R","voteCount":1953947,"isWinner":true},{"candidateName":"Nikki Haley","candidateIncumbent":false,"candidateParty":"R","voteCount":430792,"isWinner":false},{"candidateName":"Ron DeSantis","candidateIncumbent":false,"candidateParty":"R","voteCount":35581,"isWinner":false},{"candidateName":"Chris Christie","candidateIncumbent":false,"candidateParty":"R","voteCount":20164,"isWinner":false},{"candidateName":"Vivek Ramaswamy","candidateIncumbent":false,"candidateParty":"R","voteCount":11069,"isWinner":false},{"candidateName":"Rachel Swift","candidateIncumbent":false,"candidateParty":"R","voteCount":4231,"isWinner":false},{"candidateName":"David Stuckenberg","candidateIncumbent":false,"candidateParty":"R","voteCount":3895,"isWinner":false},{"candidateName":"Ryan Binkley","candidateIncumbent":false,"candidateParty":"R","voteCount":3563,"isWinner":false},{"candidateName":"Asa Hutchinson","candidateIncumbent":false,"candidateParty":"R","voteCount":3327,"isWinner":false}],"winnerDateTime":"2024-03-06T04:13:19.766Z"},"81993":{"id":"81993","type":"apRace","location":"State of California","raceName":"U.S. Senate, Class I Unexpired Term","raceDescription":"Top candidate wins seat.","raceType":"top2","totalVotes":7358837,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Steve Garvey","candidateIncumbent":false,"candidateParty":"R","voteCount":2444940,"isWinner":true},{"candidateName":"Adam Schiff","candidateIncumbent":false,"candidateParty":"D","voteCount":2155146,"isWinner":true},{"candidateName":"Katie Porter","candidateIncumbent":false,"candidateParty":"D","voteCount":1269194,"isWinner":false},{"candidateName":"Barbara Lee","candidateIncumbent":false,"candidateParty":"D","voteCount":863278,"isWinner":false},{"candidateName":"Eric Early","candidateIncumbent":false,"candidateParty":"R","voteCount":448788,"isWinner":false},{"candidateName":"Christina Pascucci","candidateIncumbent":false,"candidateParty":"D","voteCount":109421,"isWinner":false},{"candidateName":"Sepi Gilani","candidateIncumbent":false,"candidateParty":"D","voteCount":68070,"isWinner":false}],"winnerDateTime":"2024-03-06T04:31:08.186Z"},"82014":{"id":"82014","type":"apRace","location":"State of California","raceName":"Proposition, 1 - Behavioral Health Services Program","raceDescription":"Top candidate wins seat.","raceType":"top1","totalVotes":7221972,"precinctsReportPercentage":99,"eevp":99,"tabulationStatus":"Tabulation Paused","dateUpdated":"March 25, 2024","timeUpdated":"5:47 AM","source":"AP","candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":null,"voteCount":3624998,"isWinner":true},{"candidateName":"No","candidateIncumbent":false,"candidateParty":null,"voteCount":3596974,"isWinner":false}],"winnerDateTime":"2024-03-21T00:11:06.265Z"},"timeLoaded":"April 30, 2024 1:34 PM","nationalRacesLoaded":true,"localRacesLoaded":true,"overrides":[{"id":"5921","raceName":"U.S. House of Representatives, District 7","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5922","raceName":"U.S. House of Representatives, District 8","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5924","raceName":"U.S. House of Representatives, District 10","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5926","raceName":"U.S. House of Representatives, District 12","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/congress-12th-district"},{"id":"5928","raceName":"U.S. House of Representatives, District 14","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5930","raceName":"U.S. House of Representatives, District 16","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/congress-16th-district"},{"id":"5931","raceName":"U.S. House of Representatives, District 17","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5932","raceName":"U.S. House of Representatives, District 18","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5963","raceName":"State Assembly, District 2","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5972","raceName":"State Assembly, District 11","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5973","raceName":"State Assembly, District 12","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5975","raceName":"State Assembly, District 14","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5976","raceName":"State Assembly, District 15","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/contracosta/state-assembly"},{"id":"5977","raceName":"State Assembly, District 16","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5978","raceName":"State Assembly, District 17","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5979","raceName":"State Assembly, District 18","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5980","raceName":"State Assembly, District 19","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5981","raceName":"State Assembly, District 20","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5982","raceName":"State Assembly, District 21","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"5984","raceName":"State Assembly, District 23","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/state-assembly-23rd-district"},{"id":"5987","raceName":"State Assembly, District 26","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/santaclara/state-assembly-26th-district"},{"id":"5989","raceName":"State Assembly, District 28","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6010","raceName":"State Assembly, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6018","raceName":"U.S. House of Representatives, District 2","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6020","raceName":"U.S. House of Representatives, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6025","raceName":"U.S. House of Representatives, District 9","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6031","raceName":"U.S. House of Representatives, District 15","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6035","raceName":"U.S. House of Representatives, District 19","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6067","raceName":"State Assembly, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6087","raceName":"State Assembly, District 24","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6088","raceName":"State Assembly, District 25","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6092","raceName":"State Assembly, District 29","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6223","raceName":"U.S. House of Representatives, District 4","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6530","raceName":"State Senate, District 3","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/state-senate-3rd-district"},{"id":"6531","raceName":"State Senate, District 5","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6532","raceName":"State Senate, District 7","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/state-senate-7th-district"},{"id":"6533","raceName":"State Senate, District 9","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6534","raceName":"State Senate, District 11","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6535","raceName":"State Senate, District 13","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6536","raceName":"State Senate, District 15","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"6611","raceName":"U.S. House of Representatives, District 11","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":""},{"id":"8589","raceName":"U.S. Senate (Full Term)","raceDescription":"Top two candidates advance to general election.","raceReadTheStory":"https://www.kqed.org/elections/results/california/senator"},{"id":"8686","raceName":"California Democratic Presidential Primary","raceDescription":"Candidates are competing for 496 delegates.","raceReadTheStory":"https://www.kqed.org/elections/results/president/democrat"},{"id":"8688","raceName":"California Republican Presidential Primary","raceDescription":"Candidates are competing for 169 delegates.","raceReadTheStory":"https://kqed.org/elections/results/president/republican"},{"id":"81993","raceName":"U.S. Senate (Partial/Unexpired Term)","raceDescription":"Top two candidates advance to general election."},{"id":"82014","raceName":"Proposition 1","raceDescription":"Bond and mental health reforms. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/california/proposition-1"}],"AlamedaJudge5":{"id":"AlamedaJudge5","type":"localRace","location":"Alameda","raceName":"Superior Court Judge, Office 5","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":200601,"candidates":[{"candidateName":"Terry Wiley","candidateIncumbent":true,"candidateParty":"","voteCount":200601}]},"AlamedaJudge12":{"id":"AlamedaJudge12","type":"localRace","location":"Alameda","raceName":"Superior Court Judge, Office 12","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":240853,"candidates":[{"candidateName":"Mark Fickes","candidateIncumbent":false,"candidateParty":"","voteCount":133009},{"candidateName":"Michael P. Johnson","candidateIncumbent":false,"candidateParty":"","voteCount":107844}]},"AlamedaBoard2":{"id":"AlamedaBoard2","type":"localRace","location":"Alameda","raceName":"Board of Education, Trustee Area 2","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":33580,"candidates":[{"candidateName":"John Lewis","candidateIncumbent":false,"candidateParty":"","voteCount":6943},{"candidateName":"Angela Normand","candidateIncumbent":true,"candidateParty":"","voteCount":26637}]},"AlamedaBoard5":{"id":"AlamedaBoard5","type":"localRace","location":"Alameda","raceName":"Board of Education, Trustee Area 5","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":26072,"candidates":[{"candidateName":"Guadalupe \"Lupe\" Angulo","candidateIncumbent":false,"candidateParty":"","voteCount":7521},{"candidateName":"Janevette Cole","candidateIncumbent":true,"candidateParty":"","voteCount":13338},{"candidateName":"Joe Orlando Ramos","candidateIncumbent":false,"candidateParty":"","voteCount":5213}]},"AlamedaBoard6":{"id":"AlamedaBoard6","type":"localRace","location":"Alameda","raceName":"Board of Education, Trustee Area 6","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":30864,"candidates":[{"candidateName":"John Guerrero","candidateIncumbent":false,"candidateParty":"","voteCount":9989},{"candidateName":"Eileen McDonald","candidateIncumbent":true,"candidateParty":"","voteCount":20875}]},"AlamedaSup1":{"id":"AlamedaSup1","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":41038,"candidates":[{"candidateName":"David Haubert","candidateIncumbent":true,"candidateParty":"","voteCount":41038}]},"AlamedaSup2":{"id":"AlamedaSup2","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":31034,"candidates":[{"candidateName":"Elisa Márquez","candidateIncumbent":true,"candidateParty":"","voteCount":31034}]},"AlamedaSup4":{"id":"AlamedaSup4","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/supervisor-4th-district","raceType":"top2","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":57007,"candidates":[{"candidateName":"Jennifer Esteen","candidateIncumbent":false,"candidateParty":"","voteCount":22400},{"candidateName":"Nate Miley","candidateIncumbent":true,"candidateParty":"","voteCount":34607}]},"AlamedaSup5":{"id":"AlamedaSup5","type":"localRace","location":"Alameda","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/supervisor-5th-district","raceType":"top2","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":81059,"candidates":[{"candidateName":"Ben Bartlett","candidateIncumbent":false,"candidateParty":"","voteCount":13518},{"candidateName":"Nikki Fortunato Bas","candidateIncumbent":false,"candidateParty":"","voteCount":27597},{"candidateName":"John J. Bauters","candidateIncumbent":false,"candidateParty":"","voteCount":16783},{"candidateName":"Ken Berrick","candidateIncumbent":false,"candidateParty":"","voteCount":7520},{"candidateName":"Omar Farmer","candidateIncumbent":false,"candidateParty":"","voteCount":1240},{"candidateName":"Gregory Hodge","candidateIncumbent":false,"candidateParty":"","voteCount":3419},{"candidateName":"Chris Moore","candidateIncumbent":false,"candidateParty":"","voteCount":7428},{"candidateName":"Gerald Pechenuk","candidateIncumbent":false,"candidateParty":"","voteCount":305},{"candidateName":"Lorrel Plimier","candidateIncumbent":false,"candidateParty":"","voteCount":3249}]},"AlamedaBoard7":{"id":"AlamedaBoard7","type":"localRace","location":"Alameda","raceName":"Flood Control & Water Conservation District Director, Zone 7, Full Term","raceDescription":"Top three candidates win seat.","raceReadTheStory":"","raceType":"top3","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":134340,"candidates":[{"candidateName":"Alan Burnham","candidateIncumbent":false,"candidateParty":"","voteCount":15723},{"candidateName":"Sandy Figuers","candidateIncumbent":false,"candidateParty":"","voteCount":22454},{"candidateName":"Laurene K. Green","candidateIncumbent":false,"candidateParty":"","voteCount":30343},{"candidateName":"Kathy Narum","candidateIncumbent":true,"candidateParty":"","voteCount":23833},{"candidateName":"Seema Badar","candidateIncumbent":false,"candidateParty":"","voteCount":7468},{"candidateName":"Catherine Brown","candidateIncumbent":false,"candidateParty":"","voteCount":34519}]},"AlamedaAuditor":{"id":"AlamedaAuditor","type":"localRace","location":"Alameda","raceName":"Oakland Auditor","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":59227,"candidates":[{"candidateName":"Michael Houston","candidateIncumbent":true,"candidateParty":"","voteCount":59227}]},"AlamedaMeasureA":{"id":"AlamedaMeasureA","type":"localRace","location":"Alameda","raceName":"Measure A","raceDescription":"Alameda County. Civil service. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":282335,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":167903},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":114432}]},"AlamedaMeasureB":{"id":"AlamedaMeasureB","type":"localRace","location":"Alameda","raceName":"Measure B","raceDescription":"Alameda County. Recall rules. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/alameda/measure-b","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":282683,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":182200},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":100483}]},"AlamedaMeasureD":{"id":"AlamedaMeasureD","type":"localRace","location":"Alameda","raceName":"Measure D","raceDescription":"Oakland. Appropriations limit. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":79797,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":59852},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":19945}]},"AlamedaMeasureE":{"id":"AlamedaMeasureE","type":"localRace","location":"Alameda","raceName":"Measure E","raceDescription":"Alameda Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":22692,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":17280},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":5412}]},"AlamedaMeasureF":{"id":"AlamedaMeasureF","type":"localRace","location":"Alameda","raceName":"Measure F","raceDescription":"Piedmont. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":4855,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":3673},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":1182}]},"AlamedaMeasureG":{"id":"AlamedaMeasureG","type":"localRace","location":"Alameda","raceName":"Measure G","raceDescription":"Albany Unified School District. Parcel tax. Passes with 2/3 vote. ","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":5898,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":4651},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":1247}]},"AlamedaMeasureH":{"id":"AlamedaMeasureH","type":"localRace","location":"Alameda","raceName":"Measure H","raceDescription":"Berkeley Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":33331,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":29418},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3913}]},"AlamedaMeasureI":{"id":"AlamedaMeasureI","type":"localRace","location":"Alameda","raceName":"Measure I","raceDescription":"Hayward Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":21929,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":14151},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":7778}]},"AlamedaMeasureJ":{"id":"AlamedaMeasureJ","type":"localRace","location":"Alameda","raceName":"Measure J","raceDescription":"San Leandro Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:02 PM","dateUpdated":"April 1, 2024","totalVotes":12338,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7784},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":4554}]},"CCD2":{"id":"CCD2","type":"localRace","location":"Contra Costa","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":45776,"candidates":[{"candidateName":"Candace Andersen","candidateIncumbent":true,"candidateParty":"","voteCount":45776}]},"CCD3":{"id":"CCD3","type":"localRace","location":"Contra Costa","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":25120,"candidates":[{"candidateName":"Diane Burgis","candidateIncumbent":true,"candidateParty":"","voteCount":25120}]},"CCD5":{"id":"CCD5","type":"localRace","location":"Contra Costa","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/contracosta/supervisor-5th-district","raceType":"top2","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":37045,"candidates":[{"candidateName":"Mike Barbanica","candidateIncumbent":false,"candidateParty":"","voteCount":14338},{"candidateName":"Jelani Killings","candidateIncumbent":false,"candidateParty":"","voteCount":5683},{"candidateName":"Shanelle Scales-Preston","candidateIncumbent":false,"candidateParty":"","voteCount":12993},{"candidateName":"Iztaccuauhtli Hector Gonzalez","candidateIncumbent":false,"candidateParty":"","voteCount":4031}]},"CCMeasureA":{"id":"CCMeasureA","type":"localRace","location":"Contra Costa","raceName":"Measure A","raceDescription":"Martinez. Appoint City Clerk. Passes with a majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":11513,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7554},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3959}]},"CCMeasureB":{"id":"CCMeasureB","type":"localRace","location":"Contra Costa","raceName":"Measure B","raceDescription":"Antioch Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":17971,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":10397},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":7574}]},"CCMeasureC":{"id":"CCMeasureC","type":"localRace","location":"Contra Costa","raceName":"Measure C","raceDescription":"Martinez Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":9230,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6917},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2313}]},"CCMeasureD":{"id":"CCMeasureD","type":"localRace","location":"Contra Costa","raceName":"Measure D","raceDescription":"Moraga School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:45 PM","dateUpdated":"March 28, 2024","totalVotes":6007,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":4052},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":1955}]},"MarinD2":{"id":"MarinD2","type":"localRace","location":"Marin","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/marin/supervisor-2nd-district","raceType":"top2","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":18466,"candidates":[{"candidateName":"Brian Colbert","candidateIncumbent":false,"candidateParty":"","voteCount":7971},{"candidateName":"Heather McPhail Sridharan","candidateIncumbent":false,"candidateParty":"","voteCount":4851},{"candidateName":"Ryan O'Neil","candidateIncumbent":false,"candidateParty":"","voteCount":2647},{"candidateName":"Gabe Paulson","candidateIncumbent":false,"candidateParty":"","voteCount":2997}]},"MarinD3":{"id":"MarinD3","type":"localRace","location":"Marin","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":13274,"candidates":[{"candidateName":"Stephanie Moulton-Peters","candidateIncumbent":true,"candidateParty":"","voteCount":13274}]},"MarinD4":{"id":"MarinD4","type":"localRace","location":"Marin","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":12986,"candidates":[{"candidateName":"Dennis Rodoni","candidateIncumbent":true,"candidateParty":"","voteCount":10086},{"candidateName":"Francis Drouillard","candidateIncumbent":false,"candidateParty":"","voteCount":2900}]},"MarinLarkspurCC":{"id":"MarinLarkspurCC","type":"localRace","location":"Marin","raceName":"Larkspur City Council (Short Term)","raceDescription":"Top candidate wins seat.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":4176,"candidates":[{"candidateName":"Stephanie Andre","candidateIncumbent":false,"candidateParty":"","voteCount":2514},{"candidateName":"Claire Paquette","candidateIncumbent":false,"candidateParty":"","voteCount":1008},{"candidateName":"Lana Scott","candidateIncumbent":false,"candidateParty":"","voteCount":654}]},"MarinRossCouncil":{"id":"MarinRossCouncil","type":"localRace","location":"Marin","raceName":"Ross Town Council","raceDescription":"Top three candidates win seat.","raceReadTheStory":"","raceType":"top3","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":1740,"candidates":[{"candidateName":"Charles William \"Bill\" Kircher, Jr.","candidateIncumbent":false,"candidateParty":"","voteCount":536},{"candidateName":"Mathew Salter","candidateIncumbent":false,"candidateParty":"","voteCount":502},{"candidateName":"Shadi Aboukhater","candidateIncumbent":false,"candidateParty":"","voteCount":187},{"candidateName":"Teri Dowling","candidateIncumbent":false,"candidateParty":"","voteCount":515}]},"MarinMeasureA":{"id":"MarinMeasureA","type":"localRace","location":"Marin","raceName":"Measure A","raceDescription":"Tamalpais Union High School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":45345,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":24376},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":20969}]},"MarinMeasureB":{"id":"MarinMeasureB","type":"localRace","location":"Marin","raceName":"Measure B","raceDescription":"Petaluma Joint Union High School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":132,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":62},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":70}]},"MarinMeasureC":{"id":"MarinMeasureC","type":"localRace","location":"Marin","raceName":"Measure C","raceDescription":"Belvedere. Appropriation limit. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":870,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":679},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":191}]},"MarinMeasureD":{"id":"MarinMeasureD","type":"localRace","location":"Marin","raceName":"Measure D","raceDescription":"Larkspur. Rent stabilization. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/marin/measure-d","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":4955,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":2573},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2382}]},"MarinMeasureE":{"id":"MarinMeasureE","type":"localRace","location":"Marin","raceName":"Measure E","raceDescription":"Ross. Special tax. Passes with 2/3 vote.","raceReadTheStory":"https://www.kqed.org/elections/results/marin/measure-e","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":874,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":683},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":191}]},"MarinMeasureF":{"id":"MarinMeasureF","type":"localRace","location":"Marin","raceName":"Measure F","raceDescription":"San Anselmo. Flood Control and Water Conservation District. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":5193,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":3083},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2110}]},"MarinMeasureG":{"id":"MarinMeasureG","type":"localRace","location":"Marin","raceName":"Measure G","raceDescription":"Bel Marin Keys Community Services District. Special tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":830,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":661},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":169}]},"MarinMeasureH":{"id":"MarinMeasureH","type":"localRace","location":"Marin","raceName":"Measure H","raceDescription":"Marinwood Community Services District. Appropriations limit, fire protection. Passes with a majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":1738,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1369},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":369}]},"MarinMeasureI":{"id":"MarinMeasureI","type":"localRace","location":"Marin","raceName":"Measure I","raceDescription":"Marinwood Community Services District. Appropriations limit, parks. Passes with a majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:54 PM","dateUpdated":"March 27, 2024","totalVotes":1735,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1336},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":399}]},"NapaD2":{"id":"NapaD2","type":"localRace","location":"Napa","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":8351,"candidates":[{"candidateName":"Liz Alessio","candidateIncumbent":false,"candidateParty":"","voteCount":6340},{"candidateName":"Doris Gentry","candidateIncumbent":false,"candidateParty":"","voteCount":2011}]},"NapaD4":{"id":"NapaD4","type":"localRace","location":"Napa","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/napa/supervisor-4th-district","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":7306,"candidates":[{"candidateName":"Amber Manfree","candidateIncumbent":false,"candidateParty":"","voteCount":3913},{"candidateName":"Pete Mott","candidateIncumbent":false,"candidateParty":"","voteCount":3393}]},"NapaD5":{"id":"NapaD5","type":"localRace","location":"Napa","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/napa/supervisor-5th-district","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":5356,"candidates":[{"candidateName":"Mariam Aboudamous","candidateIncumbent":false,"candidateParty":"","voteCount":2379},{"candidateName":"Belia Ramos","candidateIncumbent":true,"candidateParty":"","voteCount":2977}]},"NapaMeasureD":{"id":"NapaMeasureD","type":"localRace","location":"Napa","raceName":"Measure D","raceDescription":"Howell Mountain Elementary School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":741,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":367},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":374}]},"NapaMeasureU":{"id":"NapaMeasureU","type":"localRace","location":"Napa","raceName":"Measure U","raceDescription":"Lake Berryessa Resort Improvement District. Appropriations limit. Passes with majority vote. ","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":86,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":63},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":23}]},"NapaMeasureU1":{"id":"NapaMeasureU1","type":"localRace","location":"Napa","raceName":"Measure U","raceDescription":"Yountville. Appropriations limit. Passes with majority vote. ","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"April 3, 2024","totalVotes":925,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":793},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":132}]},"SFJudge1":{"id":"SFJudge1","type":"localRace","location":"San Francisco","raceName":"Superior Court Judge, Seat 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/superior-court-seat-1","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":202960,"candidates":[{"candidateName":"Michael Begert","candidateIncumbent":true,"candidateParty":"","voteCount":124943},{"candidateName":"Chip Zecher","candidateIncumbent":false,"candidateParty":"","voteCount":78017}]},"SFJudge13":{"id":"SFJudge13","type":"localRace","location":"San Francisco","raceName":"Superior Court Judge, Seat 13","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/superior-court-seat-13","raceType":"top1","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":202386,"candidates":[{"candidateName":"Jean Myungjin Roland","candidateIncumbent":false,"candidateParty":"","voteCount":90012},{"candidateName":"Patrick S. Thompson","candidateIncumbent":true,"candidateParty":"","voteCount":112374}]},"SFPropA":{"id":"SFPropA","type":"localRace","location":"San Francisco","raceName":"Proposition A","raceDescription":"Housing bond. Passes with 2/3 vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/proposition-a","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":225187,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":158497},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":66690}]},"SFPropB":{"id":"SFPropB","type":"localRace","location":"San Francisco","raceName":"Proposition B","raceDescription":"Police staffing. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222954,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":61580},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":161374}]},"SFPropC":{"id":"SFPropC","type":"localRace","location":"San Francisco","raceName":"Proposition C","raceDescription":"Transfer tax exemption. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":220349,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":116311},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":104038}]},"SFPropD":{"id":"SFPropD","type":"localRace","location":"San Francisco","raceName":"Proposition D","raceDescription":"Ethics laws. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222615,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":198584},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":24031}]},"SFPropE":{"id":"SFPropE","type":"localRace","location":"San Francisco","raceName":"Proposition E","raceDescription":"Police policies. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/proposition-e","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222817,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":120529},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":102288}]},"SFPropF":{"id":"SFPropF","type":"localRace","location":"San Francisco","raceName":"Proposition F","raceDescription":"Drug screening. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sanfrancisco/proposition-f","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":224004,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":130214},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":93790}]},"SFPropG":{"id":"SFPropG","type":"localRace","location":"San Francisco","raceName":"Proposition G","raceDescription":"Eighth-grade algebra. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:50 PM","dateUpdated":"March 21, 2024","totalVotes":222704,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":182066},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":40638}]},"SMJudge4":{"id":"SMJudge4","type":"localRace","location":"San Mateo","raceName":"Superior Court Judge, Office 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":108919,"candidates":[{"candidateName":"Sarah Burdick","candidateIncumbent":false,"candidateParty":"","voteCount":108919}]},"SMD1":{"id":"SMD1","type":"localRace","location":"San Mateo","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanmateo/supervisor-1st-district","raceType":"top1","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":29650,"candidates":[{"candidateName":"Jackie Speier","candidateIncumbent":false,"candidateParty":"","voteCount":20353},{"candidateName":"Ann Schneider","candidateIncumbent":false,"candidateParty":"","voteCount":9297}]},"SMD4":{"id":"SMD4","type":"localRace","location":"San Mateo","raceName":"Board of Supervisors, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sanmateo/supervisor-4th-district","raceType":"top2","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":22725,"candidates":[{"candidateName":"Antonio Lopez","candidateIncumbent":false,"candidateParty":"","voteCount":5730},{"candidateName":"Lisa Gauthier","candidateIncumbent":false,"candidateParty":"","voteCount":10358},{"candidateName":"Celeste Brevard","candidateIncumbent":false,"candidateParty":"","voteCount":1268},{"candidateName":"Paul Bocanegra","candidateIncumbent":false,"candidateParty":"","voteCount":1909},{"candidateName":"Maggie Cornejo","candidateIncumbent":false,"candidateParty":"","voteCount":3460}]},"SMD5":{"id":"SMD5","type":"localRace","location":"San Mateo","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":19937,"candidates":[{"candidateName":"David Canepa","candidateIncumbent":true,"candidateParty":"","voteCount":19937}]},"SMMeasureB":{"id":"SMMeasureB","type":"localRace","location":"San Mateo","raceName":"Measure B","raceDescription":"County Service Area #1 (Highlands). Special tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":1549,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1360},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":189}]},"SMMeasureC":{"id":"SMMeasureC","type":"localRace","location":"San Mateo","raceName":"Measure C","raceDescription":"Jefferson Elementary School District. Parcel tax. Passes with 2/3 vote","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":12234,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":8543},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3691}]},"SMMeasureE":{"id":"SMMeasureE","type":"localRace","location":"San Mateo","raceName":"Measure E","raceDescription":"Woodside Elementary School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":1392,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":910},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":482}]},"SMMeasureG":{"id":"SMMeasureG","type":"localRace","location":"San Mateo","raceName":"Measure G","raceDescription":"Pacifica School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":11548,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7067},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":4481}]},"SMMeasureH":{"id":"SMMeasureH","type":"localRace","location":"San Mateo","raceName":"Measure H","raceDescription":"San Carlos School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:56 PM","dateUpdated":"April 4, 2024","totalVotes":9938,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6283},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3655}]},"SCJudge5":{"id":"SCJudge5","type":"localRace","location":"Santa Clara","raceName":"Superior Court Judge, Office 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":301953,"candidates":[{"candidateName":"Jay Boyarsky","candidateIncumbent":false,"candidateParty":"","voteCount":142549},{"candidateName":"Nicole M. Ford","candidateIncumbent":false,"candidateParty":"","voteCount":52147},{"candidateName":"Johnene Linda Stebbins","candidateIncumbent":false,"candidateParty":"","voteCount":107257}]},"SCD2":{"id":"SCD2","type":"localRace","location":"Santa Clara","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/santaclara/supervisor-2nd-district","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":44059,"candidates":[{"candidateName":"Corina Herrera-Loera","candidateIncumbent":false,"candidateParty":"","voteCount":10519},{"candidateName":"Jennifer Margaret Celaya","candidateIncumbent":false,"candidateParty":"","voteCount":2394},{"candidateName":"Madison Nguyen","candidateIncumbent":false,"candidateParty":"","voteCount":12794},{"candidateName":"Betty Duong","candidateIncumbent":false,"candidateParty":"","voteCount":14031},{"candidateName":"Nelson McElmurry","candidateIncumbent":false,"candidateParty":"","voteCount":4321}]},"SCD3":{"id":"SCD3","type":"localRace","location":"Santa Clara","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":42549,"candidates":[{"candidateName":"Otto Lee","candidateIncumbent":true,"candidateParty":"","voteCount":42549}]},"SCD5":{"id":"SCD5","type":"localRace","location":"Santa Clara","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/santaclara/supervisor-5th-district","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":88712,"candidates":[{"candidateName":"Margaret Abe-Koga","candidateIncumbent":false,"candidateParty":"","voteCount":37172},{"candidateName":"Sally J. Lieber","candidateIncumbent":false,"candidateParty":"","voteCount":21962},{"candidateName":"Barry Chang","candidateIncumbent":false,"candidateParty":"","voteCount":6164},{"candidateName":"Peter C. Fung","candidateIncumbent":false,"candidateParty":"","voteCount":17892},{"candidateName":"Sandy Sans","candidateIncumbent":false,"candidateParty":"","voteCount":5522}]},"SCSJMayor":{"id":"SCSJMayor","type":"localRace","location":"Santa Clara","raceName":"San José Mayor","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":167064,"candidates":[{"candidateName":"Matt Mahan","candidateIncumbent":true,"candidateParty":"","voteCount":144701},{"candidateName":"Tyrone Wade","candidateIncumbent":false,"candidateParty":"","voteCount":22363}]},"SCSJD2":{"id":"SCSJD2","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":14131,"candidates":[{"candidateName":"Joe Lopez","candidateIncumbent":false,"candidateParty":"","voteCount":4950},{"candidateName":"Pamela Campos","candidateIncumbent":false,"candidateParty":"","voteCount":3436},{"candidateName":"Vanessa Sandoval","candidateIncumbent":false,"candidateParty":"","voteCount":2719},{"candidateName":"Babu Prasad","candidateIncumbent":false,"candidateParty":"","voteCount":3026}]},"SCSJD4":{"id":"SCSJD4","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":14322,"candidates":[{"candidateName":"Kansen Chu","candidateIncumbent":false,"candidateParty":"","voteCount":5931},{"candidateName":"David Cohen","candidateIncumbent":true,"candidateParty":"","voteCount":8391}]},"SCSJD6":{"id":"SCSJD6","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 6","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":25108,"candidates":[{"candidateName":"David Cohen","candidateIncumbent":false,"candidateParty":"","voteCount":9875},{"candidateName":"Alex Shoor","candidateIncumbent":false,"candidateParty":"","voteCount":3850},{"candidateName":"Angelo \"A.J.\" Pasciuti","candidateIncumbent":false,"candidateParty":"","voteCount":2688},{"candidateName":"Michael Mulcahy","candidateIncumbent":false,"candidateParty":"","voteCount":8695}]},"SCSJD8":{"id":"SCSJD8","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 8","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":21462,"candidates":[{"candidateName":"Tam Truong","candidateIncumbent":false,"candidateParty":"","voteCount":6982},{"candidateName":"Domingo Candelas","candidateIncumbent":true,"candidateParty":"","voteCount":8466},{"candidateName":"Sukhdev Singh Bainiwal","candidateIncumbent":false,"candidateParty":"","voteCount":5513},{"candidateName":"Surinder Kaur Dhaliwal","candidateIncumbent":false,"candidateParty":"","voteCount":501}]},"SCSJD10":{"id":"SCSJD10","type":"localRace","location":"Santa Clara","raceName":"San José City Council, District 10","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top2","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":22799,"candidates":[{"candidateName":"George Casey","candidateIncumbent":false,"candidateParty":"","voteCount":8805},{"candidateName":"Arjun Batra","candidateIncumbent":true,"candidateParty":"","voteCount":8354},{"candidateName":"Lenka Wright","candidateIncumbent":false,"candidateParty":"","voteCount":5640}]},"SCMeasureA":{"id":"SCMeasureA","type":"localRace","location":"Santa Clara","raceName":"Measure A","raceDescription":"Santa Clara. Appointed city clerk. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":20315,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6580},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":13735}]},"SCMeasureB":{"id":"SCMeasureB","type":"localRace","location":"Santa Clara","raceName":"Measure B","raceDescription":"Santa Clara. Appointed police chief. Passes with majority vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":20567,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":5680},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":14887}]},"SCMeasureC":{"id":"SCMeasureC","type":"localRace","location":"Santa Clara","raceName":"Measure C","raceDescription":"Sunnyvale School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:05 PM","dateUpdated":"April 4, 2024","totalVotes":14656,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":10261},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":4395}]},"SolanoD15":{"id":"SolanoD15","type":"localRace","location":"Solano","raceName":"Superior Court Judge, Department 15","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":81709,"candidates":[{"candidateName":"Mike Thompson","candidateIncumbent":false,"candidateParty":"","voteCount":36844},{"candidateName":"Bryan J. Kim","candidateIncumbent":false,"candidateParty":"","voteCount":44865}]},"SolanoD1":{"id":"SolanoD1","type":"localRace","location":"Solano","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/solano/supervisor-1st-district","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":13786,"candidates":[{"candidateName":"Michael Wilson","candidateIncumbent":false,"candidateParty":"","voteCount":6401},{"candidateName":"Cassandra James","candidateIncumbent":false,"candidateParty":"","voteCount":7385}]},"SolanoD2":{"id":"SolanoD2","type":"localRace","location":"Solano","raceName":"Board of Supervisors, District 2","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":19903,"candidates":[{"candidateName":"Monica Brown","candidateIncumbent":true,"candidateParty":"","voteCount":10951},{"candidateName":"Nora Dizon","candidateIncumbent":false,"candidateParty":"","voteCount":3135},{"candidateName":"Rochelle Sherlock","candidateIncumbent":false,"candidateParty":"","voteCount":5817}]},"SolanoD5":{"id":"SolanoD5","type":"localRace","location":"Solano","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":17888,"candidates":[{"candidateName":"Mitch Mashburn","candidateIncumbent":true,"candidateParty":"","voteCount":11210},{"candidateName":"Chadwick J. Ledoux","candidateIncumbent":false,"candidateParty":"","voteCount":6678}]},"SolanoEducation":{"id":"SolanoEducation","type":"localRace","location":"Solano","raceName":"Sacramento County Board of Education","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":3650,"candidates":[{"candidateName":"Heather Davis","candidateIncumbent":true,"candidateParty":"","voteCount":2960},{"candidateName":"Shazleen Khan","candidateIncumbent":false,"candidateParty":"","voteCount":690}]},"SolanoMeasureA":{"id":"SolanoMeasureA","type":"localRace","location":"Solano","raceName":"Measure A","raceDescription":"Benicia. Hotel tax. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/solano/measure-a","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":10136,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7869},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2267}]},"SolanoMeasureB":{"id":"SolanoMeasureB","type":"localRace","location":"Solano","raceName":"Measure B","raceDescription":"Benicia. Sales tax. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/solano/measure-b","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":10164,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7335},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":2829}]},"SolanoMeasureC":{"id":"SolanoMeasureC","type":"localRace","location":"Solano","raceName":"Measure C","raceDescription":"Benicia Unified School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":10112,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":6316},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3796}]},"SolanoMeasureN":{"id":"SolanoMeasureN","type":"localRace","location":"Solano","raceName":"Measure N","raceDescription":"Davis Joint Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"7:08 PM","dateUpdated":"March 28, 2024","totalVotes":15,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":5},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":10}]},"SonomaJudge3":{"id":"SonomaJudge3","type":"localRace","location":"Sonoma","raceName":"Superior Court Judge, Office 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":115405,"candidates":[{"candidateName":"Kristine M. Burk","candidateIncumbent":false,"candidateParty":"","voteCount":79498},{"candidateName":"Beki Berrey","candidateIncumbent":false,"candidateParty":"","voteCount":35907}]},"SonomaJudge4":{"id":"SonomaJudge4","type":"localRace","location":"Sonoma","raceName":"Superior Court Judge, Office 4","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":86789,"candidates":[{"candidateName":"Paul J. Lozada","candidateIncumbent":false,"candidateParty":"","voteCount":86789}]},"SonomaJudge6":{"id":"SonomaJudge6","type":"localRace","location":"Sonoma","raceName":"Superior Court Judge, Office 6","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":117990,"candidates":[{"candidateName":"Omar Figueroa","candidateIncumbent":false,"candidateParty":"","voteCount":42236},{"candidateName":"Kenneth English","candidateIncumbent":false,"candidateParty":"","voteCount":75754}]},"SonomaD1":{"id":"SonomaD1","type":"localRace","location":"Sonoma","raceName":"Board of Supervisors, District 1","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":30348,"candidates":[{"candidateName":"Rebecca Hermosillo","candidateIncumbent":false,"candidateParty":"","voteCount":23958},{"candidateName":"Jonathan Mathieu","candidateIncumbent":false,"candidateParty":"","voteCount":6390}]},"SonomaD3":{"id":"SonomaD3","type":"localRace","location":"Sonoma","raceName":"Board of Supervisors, District 3","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"https://www.kqed.org/elections/results/sonoma/supervisor-3rd-district","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":16312,"candidates":[{"candidateName":"Chris Coursey","candidateIncumbent":true,"candidateParty":"","voteCount":11346},{"candidateName":"Omar Medina","candidateIncumbent":false,"candidateParty":"","voteCount":4966}]},"SonomaD5":{"id":"SonomaD5","type":"localRace","location":"Sonoma","raceName":"Board of Supervisors, District 5","raceDescription":"Candidate with majority vote wins seat. If no candidate reaches majority, top two candidates advance to runoff in general election.","raceReadTheStory":"","raceType":"top1","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":23356,"candidates":[{"candidateName":"Lynda Hopkins","candidateIncumbent":true,"candidateParty":"","voteCount":23356}]},"SonomaMeasureA":{"id":"SonomaMeasureA","type":"localRace","location":"Sonoma","raceName":"Measure A","raceDescription":"Cotati-Rohnert Park Unified School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":13756,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":10320},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3436}]},"SonomaMeasureB":{"id":"SonomaMeasureB","type":"localRace","location":"Sonoma","raceName":"Measure B","raceDescription":"Petaluma Joint Union High School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":24877,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":15795},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":9082}]},"SonomaMeasureC":{"id":"SonomaMeasureC","type":"localRace","location":"Sonoma","raceName":"Measure C","raceDescription":"Fort Ross School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":286,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":159},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":127}]},"SonomaMeasureD":{"id":"SonomaMeasureD","type":"localRace","location":"Sonoma","raceName":"Measure D","raceDescription":"Harmony Union School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":1925,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":1089},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":836}]},"SonomaMeasureE":{"id":"SonomaMeasureE","type":"localRace","location":"Sonoma","raceName":"Measure E","raceDescription":"Petaluma City (Elementary) School District. Parcel tax. Passes with 2/3 vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":11133,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":7622},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":3511}]},"SonomaMeasureG":{"id":"SonomaMeasureG","type":"localRace","location":"Sonoma","raceName":"Measure G","raceDescription":"Rincon Valley Union School District. School bond. Passes with 55% vote.","raceReadTheStory":"","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":14577,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":8668},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":5909}]},"SonomaMeasureH":{"id":"SonomaMeasureH","type":"localRace","location":"Sonoma","raceName":"Measure H","raceDescription":"Sonoma County. Sales tax. Passes with majority vote.","raceReadTheStory":"https://www.kqed.org/elections/results/sonoma/measure-h","raceType":"yesNo","timeUpdated":"6:51 PM","dateUpdated":"March 29, 2024","totalVotes":145261,"candidates":[{"candidateName":"Yes","candidateIncumbent":false,"candidateParty":"","voteCount":89646},{"candidateName":"No","candidateIncumbent":false,"candidateParty":"","voteCount":55615}]}},"radioSchedulesReducer":{},"listsReducer":{"posts/news?tag=predatory-lending":{"isFetching":false,"latestQuery":{"from":0,"postsToRender":9},"tag":null,"vitalsOnly":true,"totalRequested":9,"isLoading":false,"isLoadingMore":true,"total":10,"items":["news_11984466","news_11848754","news_11831241","news_11791185","news_11751924","news_11747607","news_11684428","news_11425165","news_11418523"]}},"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_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,"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":20721,"isLoading":false,"link":"/news/tag/predatory-lending"},"source_news_11751924":{"type":"terms","id":"source_news_11751924","meta":{"override":true},"name":"CALMATTERS","isLoading":false},"source_news_11747607":{"type":"terms","id":"source_news_11747607","meta":{"override":true},"name":"CALmatters","link":"https://calmatters.org/","isLoading":false},"source_news_11684428":{"type":"terms","id":"source_news_11684428","meta":{"override":true},"name":"CALmatters","link":"https://calmatters.org/","isLoading":false},"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_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_3921":{"type":"terms","id":"news_3921","meta":{"index":"terms_1591234321","site":"news","id":"3921","found":true},"relationships":{},"included":{},"name":"affordable housing","slug":"affordable-housing","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"affordable housing Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":3940,"isLoading":false,"link":"/news/tag/affordable-housing"},"news_27626":{"type":"terms","id":"news_27626","meta":{"index":"terms_1591234321","site":"news","id":"27626","found":true},"relationships":{},"included":{},"name":"featured-news","slug":"featured-news","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"featured-news Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27643,"isLoading":false,"link":"/news/tag/featured-news"},"news_28791":{"type":"terms","id":"news_28791","meta":{"index":"terms_1591234321","site":"news","id":"28791","found":true},"relationships":{},"included":{},"name":"homeowners","slug":"homeowners","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"homeowners Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":28808,"isLoading":false,"link":"/news/tag/homeowners"},"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_27208":{"type":"terms","id":"news_27208","meta":{"index":"terms_1591234321","site":"news","id":"27208","found":true},"relationships":{},"included":{},"name":"housing affordability","slug":"housing-affordability","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"housing affordability Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27225,"isLoading":false,"link":"/news/tag/housing-affordability"},"news_32169":{"type":"terms","id":"news_32169","meta":{"index":"terms_1591234321","site":"news","id":"32169","found":true},"relationships":{},"included":{},"name":"rooftop solar panels","slug":"rooftop-solar-panels","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"rooftop solar panels Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":32186,"isLoading":false,"link":"/news/tag/rooftop-solar-panels"},"news_33745":{"type":"terms","id":"news_33745","meta":{"index":"terms_1591234321","site":"news","id":"33745","found":true},"relationships":{},"included":{},"name":"Criminal Justice","slug":"criminal-justice","taxonomy":"interest","description":null,"featImg":null,"headData":{"title":"Criminal Justice Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":33762,"isLoading":false,"link":"/news/interest/criminal-justice"},"news_33739":{"type":"terms","id":"news_33739","meta":{"index":"terms_1591234321","site":"news","id":"33739","found":true},"relationships":{},"included":{},"name":"Housing","slug":"housing","taxonomy":"interest","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":33756,"isLoading":false,"link":"/news/interest/housing"},"news_25773":{"type":"terms","id":"news_25773","meta":{"index":"terms_1591234321","site":"news","id":"25773","found":true},"relationships":{},"included":{},"name":"home loans","slug":"home-loans","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"home loans Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":25790,"isLoading":false,"link":"/news/tag/home-loans"},"news_21028":{"type":"terms","id":"news_21028","meta":{"index":"terms_1591234321","site":"news","id":"21028","found":true},"relationships":{},"included":{},"name":"redlining","slug":"redlining","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"redlining Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":21045,"isLoading":false,"link":"/news/tag/redlining"},"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_27510":{"type":"terms","id":"news_27510","meta":{"index":"terms_1591234321","site":"news","id":"27510","found":true},"relationships":{},"included":{},"name":"Adhiti Bandlamudi","slug":"adhiti-bandlamudi","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Adhiti Bandlamudi Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27527,"isLoading":false,"link":"/news/tag/adhiti-bandlamudi"},"news_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_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_20382":{"type":"terms","id":"news_20382","meta":{"index":"terms_1591234321","site":"news","id":"20382","found":true},"relationships":{},"included":{},"name":"debt","slug":"debt","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"debt Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20399,"isLoading":false,"link":"/news/tag/debt"},"news_27701":{"type":"terms","id":"news_27701","meta":{"index":"terms_1591234321","site":"news","id":"27701","found":true},"relationships":{},"included":{},"name":"eviction moratorium","slug":"eviction-moratorium","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"eviction moratorium Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":27718,"isLoading":false,"link":"/news/tag/eviction-moratorium"},"news_18":{"type":"terms","id":"news_18","meta":{"index":"terms_1591234321","site":"news","id":"18","found":true},"relationships":{},"included":{},"name":"Oakland","slug":"oakland","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Oakland Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":86,"isLoading":false,"link":"/news/tag/oakland"},"news_353":{"type":"terms","id":"news_353","meta":{"index":"terms_1591234321","site":"news","id":"353","found":true},"relationships":{},"included":{},"name":"Silicon Valley","slug":"silicon-valley","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Silicon Valley Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":361,"isLoading":false,"link":"/news/tag/silicon-valley"},"news_25522":{"type":"terms","id":"news_25522","meta":{"index":"terms_1591234321","site":"news","id":"25522","found":true},"relationships":{},"included":{},"name":"student debt","slug":"student-debt","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"student debt Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":25539,"isLoading":false,"link":"/news/tag/student-debt"},"news_18515":{"type":"terms","id":"news_18515","meta":{"index":"terms_1591234321","site":"news","id":"18515","found":true},"relationships":{},"included":{},"name":"Mark Fiore: Drawn to the Bay","slug":"mark-fiore-drawn-to-the-bay","taxonomy":"series","description":"\"Mark Fiore: Drawn to the Bay\" is a look at the Bay Area through the eyes of a longtime local cartoonist. Sometimes current, sometimes quirky, always interesting and engaging, you can find Drawn to the Bay here and on KQED’s Facebook, Twitter and Instagram feeds Monday through Friday. Mark Fiore is a Pulitzer Prize-winning political animator and cartoonist who hatched in California before the Intertubes were even invented.\r\n","featImg":"https://ww2.kqed.org/app/uploads/sites/10/2015/09/DrawnBayHeader.jpg","headData":{"title":"Mark Fiore: Drawn to the Bay Archives | KQED News","description":"\"Mark Fiore: Drawn to the Bay\" is a look at the Bay Area through the eyes of a longtime local cartoonist. Sometimes current, sometimes quirky, always interesting and engaging, you can find Drawn to the Bay here and on KQED’s Facebook, Twitter and Instagram feeds Monday through Friday. Mark Fiore is a Pulitzer Prize-winning political animator and cartoonist who hatched in California before the Intertubes were even invented.","ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":18549,"isLoading":false,"link":"/news/series/mark-fiore-drawn-to-the-bay"},"news_18540":{"type":"terms","id":"news_18540","meta":{"index":"terms_1591234321","site":"news","id":"18540","found":true},"relationships":{},"included":{},"name":"Education","slug":"education","taxonomy":"category","description":null,"featImg":null,"headData":{"title":"Education Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2595,"isLoading":false,"link":"/news/category/education"},"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_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_20504":{"type":"terms","id":"news_20504","meta":{"index":"terms_1591234321","site":"news","id":"20504","found":true},"relationships":{},"included":{},"name":"Betsy DeVos","slug":"betsy-devos","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"Betsy DeVos Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20521,"isLoading":false,"link":"/news/tag/betsy-devos"},"news_2924":{"type":"terms","id":"news_2924","meta":{"index":"terms_1591234321","site":"news","id":"2924","found":true},"relationships":{},"included":{},"name":"for-profit colleges","slug":"for-profit-colleges","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"for-profit colleges Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2942,"isLoading":false,"link":"/news/tag/for-profit-colleges"},"news_25423":{"type":"terms","id":"news_25423","meta":{"index":"terms_1591234321","site":"news","id":"25423","found":true},"relationships":{},"included":{},"name":"For-profit education","slug":"for-profit-education","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"For-profit education Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":25440,"isLoading":false,"link":"/news/tag/for-profit-education"},"news_20949":{"type":"terms","id":"news_20949","meta":{"index":"terms_1591234321","site":"news","id":"20949","found":true},"relationships":{},"included":{},"name":"mark-fiore-drawn-to-the-bay-featured","slug":"mark-fiore-drawn-to-the-bay-featured","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"mark-fiore-drawn-to-the-bay-featured Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20966,"isLoading":false,"link":"/news/tag/mark-fiore-drawn-to-the-bay-featured"},"news_25523":{"type":"terms","id":"news_25523","meta":{"index":"terms_1591234321","site":"news","id":"25523","found":true},"relationships":{},"included":{},"name":"student loans","slug":"student-loans","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"student loans Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":25540,"isLoading":false,"link":"/news/tag/student-loans"},"news_21567":{"type":"terms","id":"news_21567","meta":{"index":"terms_1591234321","site":"news","id":"21567","found":true},"relationships":{},"included":{},"name":"U.S. Department of Education","slug":"u-s-department-of-education","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"U.S. Department of Education Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":21584,"isLoading":false,"link":"/news/tag/u-s-department-of-education"},"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_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_25866":{"type":"terms","id":"news_25866","meta":{"index":"terms_1591234321","site":"news","id":"25866","found":true},"relationships":{},"included":{},"name":"California poverty","slug":"california-poverty","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"California poverty Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":25883,"isLoading":false,"link":"/news/tag/california-poverty"},"news_1585":{"type":"terms","id":"news_1585","meta":{"index":"terms_1591234321","site":"news","id":"1585","found":true},"relationships":{},"included":{},"name":"poverty","slug":"poverty","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"poverty Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1597,"isLoading":false,"link":"/news/tag/poverty"},"news_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_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_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_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_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_4032":{"type":"terms","id":"news_4032","meta":{"index":"terms_1591234321","site":"news","id":"4032","found":true},"relationships":{},"included":{},"name":"loans","slug":"loans","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"loans Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":4051,"isLoading":false,"link":"/news/tag/loans"},"news_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_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_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_19996":{"type":"terms","id":"news_19996","meta":{"index":"terms_1591234321","site":"news","id":"19996","found":true},"relationships":{},"included":{},"name":"economic opportunity","slug":"economic-opportunity","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"economic opportunity Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":20013,"isLoading":false,"link":"/news/tag/economic-opportunity"},"news_2619":{"type":"terms","id":"news_2619","meta":{"index":"terms_1591234321","site":"news","id":"2619","found":true},"relationships":{},"included":{},"name":"finance","slug":"finance","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"finance Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":2635,"isLoading":false,"link":"/news/tag/finance"},"news_1776":{"type":"terms","id":"news_1776","meta":{"index":"terms_1591234321","site":"news","id":"1776","found":true},"relationships":{},"included":{},"name":"foreclosure","slug":"foreclosure","taxonomy":"tag","description":null,"featImg":null,"headData":{"title":"foreclosure Archives | KQED News","description":null,"ogTitle":null,"ogDescription":null,"ogImgId":null,"twTitle":null,"twDescription":null,"twImgId":null},"ttid":1791,"isLoading":false,"link":"/news/tag/foreclosure"}},"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/predatory-lending","previousPathname":"/"}}
