SF Taxi Drivers Are Still Waiting for Loan Relief for Their City-Purchased Medallions
San Francisco Taxi Drivers Plead for Debt Relief as Lawsuit Over Medallions Continues
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"slug": "sf-taxi-drivers-are-still-waiting-for-loan-relief-for-their-city-purchased-medallions",
"title": "SF Taxi Drivers Are Still Waiting for Loan Relief for Their City-Purchased Medallions",
"publishDate": 1699473647,
"format": "standard",
"headTitle": "SF Taxi Drivers Are Still Waiting for Loan Relief for Their City-Purchased Medallions | KQED",
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"content": "\u003cp>When Uber and Lyft elbowed their way into the cab business back in the mid-2000s, taxi drivers fought back and demanded debt relief from the cities that sold them cab permits, known as medallions, for hundreds of thousands of dollars.\u003c/p>\n\u003cp>The new “ride-sharing” apps, which weren’t required to buy medallions, drove down business for taxi drivers — and those drivers wanted and needed restitution from the city.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Ali Asghar, taxi driver\"]‘Since these apps came, and now that driverless apps are here, who’s going to help us?’[/pullquote]Today, taxi drivers — many of whom are immigrants and people of color — \u003ca href=\"https://www.kqed.org/news/11798851/s-f-taxi-drivers-say-the-medallion-crisis-is-killing-them-literally\">are still awaiting relief\u003c/a> to pay off loans for their taxi medallions that the city sold to hundreds of drivers starting in 2010.\u003c/p>\n\u003cp>At the same time, another threat to San Francisco’s cab business looms: \u003ca href=\"https://www.kqed.org/news/11957833/are-you-ready-for-more-driverless-taxis-cpuc-votes-on-whether-to-let-cruise-waymo-expand-in-sf\">robotaxis\u003c/a>.\u003c/p>\n\u003cp>Six days a week, Ali Asghar wakes up and commutes from Richmond to the San Francisco International Airport. Each time, he’ll clock in through an app, placing him in a queue of taxi drivers waiting their turn to pick up a passenger from SFO.\u003c/p>\n\u003cfigure id=\"attachment_11966654\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966654 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL.jpg\" alt=\"A man stands in front of a vehicle with the hood open while holding a long, thin piece of metal to test the level of oil.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Ali Asghar checks his oil outside his home in Richmond on Sept. 30, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cfigure id=\"attachment_11966658\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966658 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01.jpg\" alt=\"Left: A man holds a phone that displays the number '133' while sitting in the driver's seat of a vehicle. Right: A man waves at a taxi while walking through a parking lot.\" width=\"1920\" height=\"636\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-800x265.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-1020x338.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-160x53.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-1536x509.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Left: Asghar checks his number in line, which is currently at 133, at the taxi staging lot outside San Francisco International Airport on Sept. 21, 2023. He often waits several hours at this lot for his turn in line to pick up a passenger at the airport. Right: Asghar waves to a friend in their vehicle while walking around the taxi staging lot. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>On a recent weekday morning, he logged in at 7 a.m. and already there were 106 drivers ahead of him, meaning he’d likely have to wait two or three hours before he could pull around and pick up an airport passenger.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>While waiting, Ali and the other SFO taxi drivers often hang out in a nearby parking lot, passing hours with card games, snacks and cigarettes. But they’d all prefer to be on the road earning money.\u003c/p>\n\u003cp>“We’re very lucky to make three trips in a day now,” Asghar said one morning from the taxi lot at SFO.\u003c/p>\n\u003cfigure id=\"attachment_11966659\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966659 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL.jpg\" alt=\"A man talks to another person in a parking lot as the sun sets.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Asghar talks to a fellow driver at the taxi staging lot. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In 2010, former San Francisco mayor Gavin Newsom brought the medallion model to San Francisco, which had been used in places like New York City and Chicago. The idea would be to have the city sell the medallions to cab drivers, streamlining the city’s free but long waitlist-based process to get a cab permit while also boosting the city’s budget. San Francisco Credit Union stepped in as the lender to help drivers purchase the medallions.\u003c/p>\n\u003cp>[aside postID=\"news_11957833,news_11798851,news_11965752\" label=\"Related Stories\"]At the time, around 700 taxi drivers bought the medallions at $250,000 a piece, bringing in millions of dollars for the city. At first, the investment paid off for many drivers, who could make back the money and even lease out their medallion to other cab drivers to retire.\u003c/p>\n\u003cp>“It used to be that you work hard, you help serve the city, and then you’re rewarded. And back then, we were making money because there were no other apps around us,” said Asghar, originally from Pakistan. “The city said if it did not work out, [they’d] we’ll buy back the medallion.”\u003c/p>\n\u003cfigure id=\"attachment_11966660\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966660 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL.jpg\" alt=\"A yellow taxi sits in the foreground with red, yellow, and blue taxis sit in lanes in the background in an underground space.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Taxi drivers fill a second taxi lot at San Francisco International Airport on Sept. 22, 2023. After waiting at the lot outside of the airport, drivers enter a second waiting area before being dispatched to the terminals to pick up passengers. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Before ride-hailing apps Uber and Lyft began offering cheaper ride options without being required by the city to purchase a medallion to operate, Asghar said he could get dozens of cab rides in a day.\u003c/p>\n\u003cp>Then, in 2018, the San Francisco Federal Credit Union \u003ca href=\"https://www.kqed.org/news/11659420/credit-union-is-suing-san-francisco-over-taxi-medallion-meltdown\">sued the city\u003c/a>, alleging that it broke its contract by failing to maintain a viable market for medallions.\u003c/p>\n\u003cp>Meanwhile, many Bay Area taxi drivers have defaulted on their medallion mortgages, and those who have not, struggle to stay afloat.\u003c/p>\n\u003cfigure id=\"attachment_11966661\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966661 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut.jpg\" alt=\"A view from a taxi window of six protesters holding signs.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Taxi driver Ali Asghar (left) and his son, Ihsan, protest with other drivers outside City Hall in San Francisco on Dec. 7, 2021, to demand loan forgiveness on taxi medallions. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Slowly, we lost our business. I didn’t know what to do. I have five kids, me and my wife,” Asghar said. “Since these apps came, and now that driverless apps are here, who’s going to help us?”\u003c/p>\n\u003cp>The city transit agency and the SF Credit Union are still in negotiations over loan forgiveness programs to this day.\u003c/p>\n\u003cp>“SFMTA is still considering all of its options in the course of the ongoing mediation with SFFCU and is not considering an approach outside of the mediation context at this time,” said Stephen Chun, a spokesperson for SFMTA, in an email.\u003c/p>\n\u003cp>When asked why San Francisco hasn’t been able to follow other cities in lowering medallion debt, Chun wrote that there are “differences in the medallion market and lending environment between SF and NY that make it difficult to develop a similar program.”\u003c/p>\n\u003cp>Asghar can’t simply switch over to Lyft or Uber or another competitor. He’s saddled with a $1,777 monthly loan payment to pay off the medallion, along with a $900 monthly fee to pay for the FlyWheel logo on his cab.\u003c/p>\n\u003cp>He estimates paying off the medallion will now take about 12 years if the rates of ridership don’t drop even further, as opposed to not having any mortgage for the permit before, and that’s only if he sticks with his 14-hours/day, six-days/week work schedule.\u003c/p>\n\u003cfigure id=\"attachment_11966662\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966662 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut.jpg\" alt=\"A man stands on a red prayer mat, hands held to his head, sandals on the pavement nearby. A red vehicle is parked to the left inside a fenced area in front of an airline building.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Asghar takes a moment to pray at the taxi staging lot on Sept. 25, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>As drivers continue to work to pay off their debt, the value of these once-coveted medallions has plummeted.\u003c/p>\n\u003cp>There were 848 medallions renewed for the 2023-24 fiscal year, compared with 1,329 in 2019-20, according to data from San Francisco Municipal Transportation Authority.\u003c/p>\n\u003cp>But no new medallion has been purchased in San Francisco since 2016.\u003c/p>\n\u003cp>Since 2019, the number of actual taxi drivers in San Francisco has dropped about 25%.\u003c/p>\n\u003cp>Any dreams Asghar had of passing down the medallion to his son have been ditched. Asghar, who has driven taxis in the Bay Area for 20 years, said he no longer sees a future for any of his five children in the industry.\u003c/p>\n\u003cfigure id=\"attachment_11966663\" class=\"wp-caption aligncenter\" style=\"max-width: 1723px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966663 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL.jpg\" alt=\"A teenager holds a young girl in the background while a man talks, out of focus, to someone outside of the frame.\" width=\"1723\" height=\"1148\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL.jpg 1723w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-1536x1023.jpg 1536w\" sizes=\"(max-width: 1723px) 100vw, 1723px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Ali Asghar talks with a friend while his son Ihsan, 18, holds his youngest daughter Alishba, 7, outside their home in Richmond on Sept. 30, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cfigure id=\"attachment_11966664\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966664 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02.jpg\" alt=\"Left: A man holds a young girl wearing a hijab on a suburban street. Right: A man washes the front of a vehicle while a young girl sprays water from a hose to remove the soap suds.\" width=\"1920\" height=\"636\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-800x265.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-1020x338.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-160x53.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-1536x509.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Left: Asghar holds his youngest daughter, Alishba, outside his home. Right: Asghar washes his daughter’s car, a former taxi of his, with his youngest daughter, Alishba. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Ihsan, Asghar’s 18-year-old son, works as an Amazon delivery driver at night when he’s not taking college classes. He’s working towards becoming a neurosonographer. But he also shares dreams with his father to spend more time together as a family.\u003c/p>\n\u003cp>“Nobody should have to work that much just to provide for your family. My dad used to take me on rides when I was younger, but I see how it is now. The medallion is over your head, so you can’t enjoy all these things,” said Ihsan. “If they just got some relief, we could spend more time together and make plans as a family.”\u003c/p>\n\u003cfigure id=\"attachment_11966665\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966665 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL.jpg\" alt=\"A man sits in the backseat of a vehicle with a beam of sunset light highlighting a portion of his face.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Asghar rests in his taxi as the sun goes down at the taxi staging lot. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Today, San Francisco is the world’s testing ground for driverless taxis, which have already seen \u003ca href=\"https://www.kqed.org/news/11965752/cruise-suspends-driverless-robotaxi-service-nationwide\">their share of ups and downs\u003c/a>.\u003c/p>\n\u003cp>Asghar was actually working, he said, when he witnessed a high-profile driverless vehicle accident recently in San Francisco, where a pedestrian was hit by a regular car and thrown in front of a Cruise robotaxi, which then dragged the victim several feet forward in the street.\u003c/p>\n\u003cp>It was the type of scenario that members of the San Francisco Taxi Workers Alliance were calling attention to during a protest this summer outside the headquarters of the California Public Utilities Commission. In June, CPUC voted to allow Cruise and Waymo to add as many driverless taxis in the city as they want.\u003c/p>\n\u003cfigure id=\"attachment_11966666\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966666 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL.jpg\" alt=\"A white driverless vehicle drives on a city street.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">A Waymo vehicle drives through Downtown San Francisco on Nov. 2, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Since the accident, the California DMV and CPUC have called on Cruise to suspend its robotaxi service, and the company has temporarily pulled all of its vehicles off the road nationwide.\u003c/p>\n\u003cp>But other autonomous vehicle companies, like Waymo and Zoox, have kept their fleets running in San Francisco.\u003c/p>\n\u003cp>San Francisco has not yet agreed to permit robotaxi company Waymo to operate out of San Francisco International Airport, where Ali typically works. But conversations about airport access are underway between the company and city officials, and Waymo has already started doing pickups and dropoffs from the airport in Phoenix, Arizona.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“We need our city to figure this out,” Asghar said. “We need some relief and a fair income to feed our families. Everyone knows what’s going on, we are crying and begging.”\u003c/p>\n\n",
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"excerpt": "San Francisco taxi drivers hang in limbo as mediation between the city and its credit union continues.",
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"title": "SF Taxi Drivers Are Still Waiting for Loan Relief for Their City-Purchased Medallions | KQED",
"description": "San Francisco taxi drivers hang in limbo as mediation between the city and its credit union continues.",
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"headline": "SF Taxi Drivers Are Still Waiting for Loan Relief for Their City-Purchased Medallions",
"datePublished": "2023-11-08T12:00:47-08:00",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>When Uber and Lyft elbowed their way into the cab business back in the mid-2000s, taxi drivers fought back and demanded debt relief from the cities that sold them cab permits, known as medallions, for hundreds of thousands of dollars.\u003c/p>\n\u003cp>The new “ride-sharing” apps, which weren’t required to buy medallions, drove down business for taxi drivers — and those drivers wanted and needed restitution from the city.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "‘Since these apps came, and now that driverless apps are here, who’s going to help us?’",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Today, taxi drivers — many of whom are immigrants and people of color — \u003ca href=\"https://www.kqed.org/news/11798851/s-f-taxi-drivers-say-the-medallion-crisis-is-killing-them-literally\">are still awaiting relief\u003c/a> to pay off loans for their taxi medallions that the city sold to hundreds of drivers starting in 2010.\u003c/p>\n\u003cp>At the same time, another threat to San Francisco’s cab business looms: \u003ca href=\"https://www.kqed.org/news/11957833/are-you-ready-for-more-driverless-taxis-cpuc-votes-on-whether-to-let-cruise-waymo-expand-in-sf\">robotaxis\u003c/a>.\u003c/p>\n\u003cp>Six days a week, Ali Asghar wakes up and commutes from Richmond to the San Francisco International Airport. Each time, he’ll clock in through an app, placing him in a queue of taxi drivers waiting their turn to pick up a passenger from SFO.\u003c/p>\n\u003cfigure id=\"attachment_11966654\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966654 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL.jpg\" alt=\"A man stands in front of a vehicle with the hood open while holding a long, thin piece of metal to test the level of oil.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-02-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Ali Asghar checks his oil outside his home in Richmond on Sept. 30, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cfigure id=\"attachment_11966658\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966658 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01.jpg\" alt=\"Left: A man holds a phone that displays the number '133' while sitting in the driver's seat of a vehicle. Right: A man waves at a taxi while walking through a parking lot.\" width=\"1920\" height=\"636\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-800x265.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-1020x338.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-160x53.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-Diptych-01-1536x509.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Left: Asghar checks his number in line, which is currently at 133, at the taxi staging lot outside San Francisco International Airport on Sept. 21, 2023. He often waits several hours at this lot for his turn in line to pick up a passenger at the airport. Right: Asghar waves to a friend in their vehicle while walking around the taxi staging lot. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>On a recent weekday morning, he logged in at 7 a.m. and already there were 106 drivers ahead of him, meaning he’d likely have to wait two or three hours before he could pull around and pick up an airport passenger.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>While waiting, Ali and the other SFO taxi drivers often hang out in a nearby parking lot, passing hours with card games, snacks and cigarettes. But they’d all prefer to be on the road earning money.\u003c/p>\n\u003cp>“We’re very lucky to make three trips in a day now,” Asghar said one morning from the taxi lot at SFO.\u003c/p>\n\u003cfigure id=\"attachment_11966659\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966659 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL.jpg\" alt=\"A man talks to another person in a parking lot as the sun sets.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-08-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Asghar talks to a fellow driver at the taxi staging lot. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In 2010, former San Francisco mayor Gavin Newsom brought the medallion model to San Francisco, which had been used in places like New York City and Chicago. The idea would be to have the city sell the medallions to cab drivers, streamlining the city’s free but long waitlist-based process to get a cab permit while also boosting the city’s budget. San Francisco Credit Union stepped in as the lender to help drivers purchase the medallions.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>At the time, around 700 taxi drivers bought the medallions at $250,000 a piece, bringing in millions of dollars for the city. At first, the investment paid off for many drivers, who could make back the money and even lease out their medallion to other cab drivers to retire.\u003c/p>\n\u003cp>“It used to be that you work hard, you help serve the city, and then you’re rewarded. And back then, we were making money because there were no other apps around us,” said Asghar, originally from Pakistan. “The city said if it did not work out, [they’d] we’ll buy back the medallion.”\u003c/p>\n\u003cfigure id=\"attachment_11966660\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966660 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL.jpg\" alt=\"A yellow taxi sits in the foreground with red, yellow, and blue taxis sit in lanes in the background in an underground space.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230922-TaxiDriver-05-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Taxi drivers fill a second taxi lot at San Francisco International Airport on Sept. 22, 2023. After waiting at the lot outside of the airport, drivers enter a second waiting area before being dispatched to the terminals to pick up passengers. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Before ride-hailing apps Uber and Lyft began offering cheaper ride options without being required by the city to purchase a medallion to operate, Asghar said he could get dozens of cab rides in a day.\u003c/p>\n\u003cp>Then, in 2018, the San Francisco Federal Credit Union \u003ca href=\"https://www.kqed.org/news/11659420/credit-union-is-suing-san-francisco-over-taxi-medallion-meltdown\">sued the city\u003c/a>, alleging that it broke its contract by failing to maintain a viable market for medallions.\u003c/p>\n\u003cp>Meanwhile, many Bay Area taxi drivers have defaulted on their medallion mortgages, and those who have not, struggle to stay afloat.\u003c/p>\n\u003cfigure id=\"attachment_11966661\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966661 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut.jpg\" alt=\"A view from a taxi window of six protesters holding signs.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/012_SanFrancisco_TaxiDriverProtest_12072021-qut-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Taxi driver Ali Asghar (left) and his son, Ihsan, protest with other drivers outside City Hall in San Francisco on Dec. 7, 2021, to demand loan forgiveness on taxi medallions. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Slowly, we lost our business. I didn’t know what to do. I have five kids, me and my wife,” Asghar said. “Since these apps came, and now that driverless apps are here, who’s going to help us?”\u003c/p>\n\u003cp>The city transit agency and the SF Credit Union are still in negotiations over loan forgiveness programs to this day.\u003c/p>\n\u003cp>“SFMTA is still considering all of its options in the course of the ongoing mediation with SFFCU and is not considering an approach outside of the mediation context at this time,” said Stephen Chun, a spokesperson for SFMTA, in an email.\u003c/p>\n\u003cp>When asked why San Francisco hasn’t been able to follow other cities in lowering medallion debt, Chun wrote that there are “differences in the medallion market and lending environment between SF and NY that make it difficult to develop a similar program.”\u003c/p>\n\u003cp>Asghar can’t simply switch over to Lyft or Uber or another competitor. He’s saddled with a $1,777 monthly loan payment to pay off the medallion, along with a $900 monthly fee to pay for the FlyWheel logo on his cab.\u003c/p>\n\u003cp>He estimates paying off the medallion will now take about 12 years if the rates of ridership don’t drop even further, as opposed to not having any mortgage for the permit before, and that’s only if he sticks with his 14-hours/day, six-days/week work schedule.\u003c/p>\n\u003cfigure id=\"attachment_11966662\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966662 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut.jpg\" alt=\"A man stands on a red prayer mat, hands held to his head, sandals on the pavement nearby. A red vehicle is parked to the left inside a fenced area in front of an airline building.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230925-TaxiDriver-026-BL-qut-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Asghar takes a moment to pray at the taxi staging lot on Sept. 25, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>As drivers continue to work to pay off their debt, the value of these once-coveted medallions has plummeted.\u003c/p>\n\u003cp>There were 848 medallions renewed for the 2023-24 fiscal year, compared with 1,329 in 2019-20, according to data from San Francisco Municipal Transportation Authority.\u003c/p>\n\u003cp>But no new medallion has been purchased in San Francisco since 2016.\u003c/p>\n\u003cp>Since 2019, the number of actual taxi drivers in San Francisco has dropped about 25%.\u003c/p>\n\u003cp>Any dreams Asghar had of passing down the medallion to his son have been ditched. Asghar, who has driven taxis in the Bay Area for 20 years, said he no longer sees a future for any of his five children in the industry.\u003c/p>\n\u003cfigure id=\"attachment_11966663\" class=\"wp-caption aligncenter\" style=\"max-width: 1723px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966663 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL.jpg\" alt=\"A teenager holds a young girl in the background while a man talks, out of focus, to someone outside of the frame.\" width=\"1723\" height=\"1148\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL.jpg 1723w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-13-BL-1536x1023.jpg 1536w\" sizes=\"(max-width: 1723px) 100vw, 1723px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Ali Asghar talks with a friend while his son Ihsan, 18, holds his youngest daughter Alishba, 7, outside their home in Richmond on Sept. 30, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cfigure id=\"attachment_11966664\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966664 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02.jpg\" alt=\"Left: A man holds a young girl wearing a hijab on a suburban street. Right: A man washes the front of a vehicle while a young girl sprays water from a hose to remove the soap suds.\" width=\"1920\" height=\"636\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-800x265.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-1020x338.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-160x53.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230930-TaxiDriver-Diptych-02-1536x509.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Left: Asghar holds his youngest daughter, Alishba, outside his home. Right: Asghar washes his daughter’s car, a former taxi of his, with his youngest daughter, Alishba. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Ihsan, Asghar’s 18-year-old son, works as an Amazon delivery driver at night when he’s not taking college classes. He’s working towards becoming a neurosonographer. But he also shares dreams with his father to spend more time together as a family.\u003c/p>\n\u003cp>“Nobody should have to work that much just to provide for your family. My dad used to take me on rides when I was younger, but I see how it is now. The medallion is over your head, so you can’t enjoy all these things,” said Ihsan. “If they just got some relief, we could spend more time together and make plans as a family.”\u003c/p>\n\u003cfigure id=\"attachment_11966665\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966665 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL.jpg\" alt=\"A man sits in the backseat of a vehicle with a beam of sunset light highlighting a portion of his face.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-09-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Asghar rests in his taxi as the sun goes down at the taxi staging lot. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Today, San Francisco is the world’s testing ground for driverless taxis, which have already seen \u003ca href=\"https://www.kqed.org/news/11965752/cruise-suspends-driverless-robotaxi-service-nationwide\">their share of ups and downs\u003c/a>.\u003c/p>\n\u003cp>Asghar was actually working, he said, when he witnessed a high-profile driverless vehicle accident recently in San Francisco, where a pedestrian was hit by a regular car and thrown in front of a Cruise robotaxi, which then dragged the victim several feet forward in the street.\u003c/p>\n\u003cp>It was the type of scenario that members of the San Francisco Taxi Workers Alliance were calling attention to during a protest this summer outside the headquarters of the California Public Utilities Commission. In June, CPUC voted to allow Cruise and Waymo to add as many driverless taxis in the city as they want.\u003c/p>\n\u003cfigure id=\"attachment_11966666\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11966666 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL.jpg\" alt=\"A white driverless vehicle drives on a city street.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/11/230921-TaxiDriver-10-BL-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">A Waymo vehicle drives through Downtown San Francisco on Nov. 2, 2023. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Since the accident, the California DMV and CPUC have called on Cruise to suspend its robotaxi service, and the company has temporarily pulled all of its vehicles off the road nationwide.\u003c/p>\n\u003cp>But other autonomous vehicle companies, like Waymo and Zoox, have kept their fleets running in San Francisco.\u003c/p>\n\u003cp>San Francisco has not yet agreed to permit robotaxi company Waymo to operate out of San Francisco International Airport, where Ali typically works. But conversations about airport access are underway between the company and city officials, and Waymo has already started doing pickups and dropoffs from the airport in Phoenix, Arizona.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“We need our city to figure this out,” Asghar said. “We need some relief and a fair income to feed our families. Everyone knows what’s going on, we are crying and begging.”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>San Francisco’s taxi drivers have borne the financial, emotional and physical burden of the city’s broken taxi medallion system, but they aren’t party to \u003ca href=\"https://www.kqed.org/news/11659420/credit-union-is-suing-san-francisco-over-taxi-medallion-meltdown\">a major lawsuit unfolding right now\u003c/a>, between a local credit union and the city, that affects them.\u003c/p>\n\u003cp>San Francisco encouraged the San Francisco Federal Credit Union to finance loans so the city could sell taxi medallions to drivers, many of whom are people of color and immigrants. Some 700 taxi drivers bought medallions at $250,000 each beginning back in 2010.\u003c/p>\n\u003cp>The city made tens of millions of dollars. Then the city allowed Uber and Lyft to operate without medallions, crushing the taxi industry and tanking the value of a medallion. Not a single medallion has been sold since 2016.\u003c/p>\n\u003cp>The drivers are stuck with the medallion and their debt. Many have been defaulting on their loans, leaving the credit union on the hook for millions. Despite which side prevails, taxi drivers may see no relief for the debt they have been carrying for almost a decade.\u003c/p>\n\u003cp>In the lawsuit, the San Francisco Federal Credit Union alleges that the city broke its contract by failing to maintain a viable market for medallions. It is suing for damages and fees that were in the range of tens of millions of dollars when the suit was first filed in 2018. That figure has continued to balloon due to defaults, along with the interest on the loans held by drivers.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>After \u003ca href=\"https://omny.fm/shows/kqed-segmented-audio/san-francisco-faces-lawsuit-over-taxi-medallions\">KQED aired a radio story on Sept. 27\u003c/a> about the suffering of taxi drivers, the San Francisco City Attorney’s Office requested this statement be added to the story: “The City and the Credit Union have a contract. The City has not broken that contract, so taxpayers should not be forced to bail out this bank because of the investment choices the bank made.”\u003c/p>\n\u003cp>The city attorney’s office did not respond to a request for comment on any questions related to the taxi drivers and their debt.\u003c/p>\n\u003cp>While the credit union is now on the hook for deciding to partner with the city to help taxi drivers, those drivers are now on the hook for buying into what was a money-making scheme for the city.\u003c/p>\n\u003ch3>Cashing in on medallions\u003c/h3>\n\u003cp>Taxi medallions used to be free, awarded by seniority. Drivers would wait on a list for over 20 years for their chance to get one. And for decades, taxi medallions were a sure bet, a way to have a stable, middle-class life. Drivers could earn $30 or $40 an hour after expenses. They could also make passive income by leasing out their medallion to other drivers. It was the de facto cab driver retirement plan.\u003c/p>\n\u003cp>But then, in 2010, to make money after the financial crisis, then-mayor Gavin Newsom decided to start selling medallions, and some 700 taxi-driving families bought them.\u003c/p>\n\u003cp>When Ed Lee became mayor in 2011, he embraced Uber and Lyft. Medallion values plummeted along with the earnings of taxi drivers. They couldn’t make enough money on the road to pay their loans, and suddenly there were no buyers for medallions. Those who had bought into the system were stuck with the debt.\u003c/p>\n\u003cp>Mayor London Breed and her administration haven’t taken steps to alleviate debts for these drivers. Over the years, neither Newsom nor Breed has responded to multiple requests for comment on the issue.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11694401/san-francisco-made-millions-selling-taxi-medallions-now-drivers-are-paying-the-price\">I have been following the plight of San Francisco taxi drivers\u003c/a> in the medallion system for almost a decade. Many drivers shackled to the medallions have lost their life savings, their homes and their health. \u003ca href=\"https://www.kqed.org/news/11798851/s-f-taxi-drivers-say-the-medallion-crisis-is-killing-them-literally\">Several have died from stress-related illnesses, some in their cars while waiting for a fare.\u003c/a>\u003c/p>\n\u003ch3>Mounting debt\u003c/h3>\n\u003cp>Two years ago, before the pandemic, I went to the San Francisco International Airport taxi lot to talk with drivers. There were several hundred cabs parked in a line, waiting for passengers. It could take over three hours to get a single fare.\u003c/p>\n\u003cp>For most of the drivers I talked with, like Ali Asghar, the dream had always been to get a medallion. At the lot that day, Asghar told me he threw a big party when he got the chance to buy a medallion.\u003c/p>\n\u003cp>“I was happy. My family was happy. We celebrated,” Asghar said. “I feel that was the happiest day in my life. I hug my wife. I hug my kids.”\u003c/p>\n\u003cp>When I spoke with Asghar two years ago, he said he was already on the edge. At night he would wake up in a cold sweat, go in to stare at his kids and wonder what kind of future he could give them now.\u003c/p>\n\u003cp>When the pandemic began, taxi work completely dried up. Asghar, like many other drivers, had to start working for the app companies that destroyed their livelihoods. He’s driving for Lyft and Uber, along with DoorDash and Amazon.\u003c/p>\n\u003cp>If drivers default on their loans, they will lose everything they already paid into the medallion, often their entire life savings. Drivers like Ali Alikhani do whatever they can to make payments.\u003c/p>\n\u003cp>Two years ago, Alikhani told me he was using his Social Security to pay for his medallion. He had already paid $165,000 into the loan. “This job destroyed my life,” he told me.\u003c/p>\n\u003cp>When I contacted Alikhani recently, he told me he’s still in the same exact situation. He’s sending about three-quarters of his Social Security check every month to the medallion loan. That leaves just a few hundred dollars a month for him to live on.\u003c/p>\n\u003cp>Alikhani said he’s lucky he owns his home. Namdev Sharma lost his house to the medallion. Sharma told me that when he had to sell his house, he sat his kids down.\u003c/p>\n\u003cp>“I told them I was losing this house,” Sharma said. “They did not know there was corruption in America.”\u003c/p>\n\u003cp>The drivers have always told me that city officials assured them that the medallion was a good investment.\u003c/p>\n\u003cp>Ejaz Ahmed, who drove a cab for over 30 years, said, “All the SFMTA [San Francisco Municipal Transportation Agency] stuff was convincing to the average drivers that the medallion price will remain the same.” He said the message from City Hall was that drivers would always be able to sell their medallion and get out whenever they wanted to.\u003c/p>\n\u003cp>The decade of economic devastation is putting a physical strain on cab drivers. Over the years I have interviewed drivers who have not only lost their homes, but who are living in homeless shelters. I interviewed the children of a driver who had died in his cab. Two years ago, in a dark cab at the airport taxi lot, Abdelellah Alhimsi showed me his ruined teeth.\u003c/p>\n\u003cp>Alhimsi was so stressed he had broken his night guard and didn’t have money to buy a new one. Without the guard he started cracking his teeth. He’d broken a half dozen teeth by the time I talked to him.\u003c/p>\n\u003cp>I don’t know what happened to Alhimsi since I spoke with him two years ago. He hasn’t responded to calls or emails. The other cab drivers I am in touch with don’t know what happened to him, either.\u003c/p>\n\u003cp>There is a general feeling among the drivers I’ve interviewed over the years: that the city probably would have tried harder to do something if they were white, not immigrants and people of color.\u003c/p>\n\u003ch3>Last shred of hope\u003c/h3>\n\u003cp>I recently got back in touch with Namdev Sharma. He’s been working at the United States Postal Service to pay his medallion loan. Like many of these drivers, he’s still doing whatever he can with the hope of not losing all the money he paid into the loan.\u003c/p>\n\u003cp>“I invested my whole life savings money,” he said. “It’s almost $90,000 I paid to the bank. I don’t want to lose that money.”\u003c/p>\n\u003cp>Sharma and a group of taxi drivers used to go to \u003ca href=\"https://www.kqed.org/news/11803400/sf-taxi-drivers-who-go-every-week-to-city-hall-buy-back-our-medallions\">City Hall every week for nearly three years to plead for help\u003c/a>. But the community of drivers fighting for justice is now breaking down under the weight of the debt. Drivers are taking other jobs. Some are leaving the country, and some are disappearing altogether.\u003c/p>\n\u003cp>Sharma said drivers see the current lawsuit as one final chance. “I have like a 10% hope, not a 90%. They will refund our money or not,” Sharma said.\u003c/p>\n\u003cp>There is no clear way drivers would see any refund from this case. The taxi drivers are not a party to the lawsuit. If the credit union wins, it may decide to forgive the amount drivers still owe on the loans. A ruling on the lawsuit is expected in mid-October.\u003c/p>\n\u003cp>Drivers who are more savvy about the legal system hope that the lawsuit could give them an opening. Because of this suit, there is now public testimony of events, like former city officials talking about how Uber and Lyft posed a threat to the medallion system and how something should have been done. Drivers hope those testimonies and a favorable ruling by the judge could open the door for them to take further legal action against the city.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>The big fear of drivers like Sharma, though, is that once this lawsuit is over, so will be the last shred of attention on their plight. The 700 taxi-driving families who bought medallions do not have the kind of financial resources of a credit union to launch a legal battle. If they don’t get some relief now, then when?\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>San Francisco’s taxi drivers have borne the financial, emotional and physical burden of the city’s broken taxi medallion system, but they aren’t party to \u003ca href=\"https://www.kqed.org/news/11659420/credit-union-is-suing-san-francisco-over-taxi-medallion-meltdown\">a major lawsuit unfolding right now\u003c/a>, between a local credit union and the city, that affects them.\u003c/p>\n\u003cp>San Francisco encouraged the San Francisco Federal Credit Union to finance loans so the city could sell taxi medallions to drivers, many of whom are people of color and immigrants. Some 700 taxi drivers bought medallions at $250,000 each beginning back in 2010.\u003c/p>\n\u003cp>The city made tens of millions of dollars. Then the city allowed Uber and Lyft to operate without medallions, crushing the taxi industry and tanking the value of a medallion. Not a single medallion has been sold since 2016.\u003c/p>\n\u003cp>The drivers are stuck with the medallion and their debt. Many have been defaulting on their loans, leaving the credit union on the hook for millions. Despite which side prevails, taxi drivers may see no relief for the debt they have been carrying for almost a decade.\u003c/p>\n\u003cp>In the lawsuit, the San Francisco Federal Credit Union alleges that the city broke its contract by failing to maintain a viable market for medallions. It is suing for damages and fees that were in the range of tens of millions of dollars when the suit was first filed in 2018. That figure has continued to balloon due to defaults, along with the interest on the loans held by drivers.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>After \u003ca href=\"https://omny.fm/shows/kqed-segmented-audio/san-francisco-faces-lawsuit-over-taxi-medallions\">KQED aired a radio story on Sept. 27\u003c/a> about the suffering of taxi drivers, the San Francisco City Attorney’s Office requested this statement be added to the story: “The City and the Credit Union have a contract. The City has not broken that contract, so taxpayers should not be forced to bail out this bank because of the investment choices the bank made.”\u003c/p>\n\u003cp>The city attorney’s office did not respond to a request for comment on any questions related to the taxi drivers and their debt.\u003c/p>\n\u003cp>While the credit union is now on the hook for deciding to partner with the city to help taxi drivers, those drivers are now on the hook for buying into what was a money-making scheme for the city.\u003c/p>\n\u003ch3>Cashing in on medallions\u003c/h3>\n\u003cp>Taxi medallions used to be free, awarded by seniority. Drivers would wait on a list for over 20 years for their chance to get one. And for decades, taxi medallions were a sure bet, a way to have a stable, middle-class life. Drivers could earn $30 or $40 an hour after expenses. They could also make passive income by leasing out their medallion to other drivers. It was the de facto cab driver retirement plan.\u003c/p>\n\u003cp>But then, in 2010, to make money after the financial crisis, then-mayor Gavin Newsom decided to start selling medallions, and some 700 taxi-driving families bought them.\u003c/p>\n\u003cp>When Ed Lee became mayor in 2011, he embraced Uber and Lyft. Medallion values plummeted along with the earnings of taxi drivers. They couldn’t make enough money on the road to pay their loans, and suddenly there were no buyers for medallions. Those who had bought into the system were stuck with the debt.\u003c/p>\n\u003cp>Mayor London Breed and her administration haven’t taken steps to alleviate debts for these drivers. Over the years, neither Newsom nor Breed has responded to multiple requests for comment on the issue.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11694401/san-francisco-made-millions-selling-taxi-medallions-now-drivers-are-paying-the-price\">I have been following the plight of San Francisco taxi drivers\u003c/a> in the medallion system for almost a decade. Many drivers shackled to the medallions have lost their life savings, their homes and their health. \u003ca href=\"https://www.kqed.org/news/11798851/s-f-taxi-drivers-say-the-medallion-crisis-is-killing-them-literally\">Several have died from stress-related illnesses, some in their cars while waiting for a fare.\u003c/a>\u003c/p>\n\u003ch3>Mounting debt\u003c/h3>\n\u003cp>Two years ago, before the pandemic, I went to the San Francisco International Airport taxi lot to talk with drivers. There were several hundred cabs parked in a line, waiting for passengers. It could take over three hours to get a single fare.\u003c/p>\n\u003cp>For most of the drivers I talked with, like Ali Asghar, the dream had always been to get a medallion. At the lot that day, Asghar told me he threw a big party when he got the chance to buy a medallion.\u003c/p>\n\u003cp>“I was happy. My family was happy. We celebrated,” Asghar said. “I feel that was the happiest day in my life. I hug my wife. I hug my kids.”\u003c/p>\n\u003cp>When I spoke with Asghar two years ago, he said he was already on the edge. At night he would wake up in a cold sweat, go in to stare at his kids and wonder what kind of future he could give them now.\u003c/p>\n\u003cp>When the pandemic began, taxi work completely dried up. Asghar, like many other drivers, had to start working for the app companies that destroyed their livelihoods. He’s driving for Lyft and Uber, along with DoorDash and Amazon.\u003c/p>\n\u003cp>If drivers default on their loans, they will lose everything they already paid into the medallion, often their entire life savings. Drivers like Ali Alikhani do whatever they can to make payments.\u003c/p>\n\u003cp>Two years ago, Alikhani told me he was using his Social Security to pay for his medallion. He had already paid $165,000 into the loan. “This job destroyed my life,” he told me.\u003c/p>\n\u003cp>When I contacted Alikhani recently, he told me he’s still in the same exact situation. He’s sending about three-quarters of his Social Security check every month to the medallion loan. That leaves just a few hundred dollars a month for him to live on.\u003c/p>\n\u003cp>Alikhani said he’s lucky he owns his home. Namdev Sharma lost his house to the medallion. Sharma told me that when he had to sell his house, he sat his kids down.\u003c/p>\n\u003cp>“I told them I was losing this house,” Sharma said. “They did not know there was corruption in America.”\u003c/p>\n\u003cp>The drivers have always told me that city officials assured them that the medallion was a good investment.\u003c/p>\n\u003cp>Ejaz Ahmed, who drove a cab for over 30 years, said, “All the SFMTA [San Francisco Municipal Transportation Agency] stuff was convincing to the average drivers that the medallion price will remain the same.” He said the message from City Hall was that drivers would always be able to sell their medallion and get out whenever they wanted to.\u003c/p>\n\u003cp>The decade of economic devastation is putting a physical strain on cab drivers. Over the years I have interviewed drivers who have not only lost their homes, but who are living in homeless shelters. I interviewed the children of a driver who had died in his cab. Two years ago, in a dark cab at the airport taxi lot, Abdelellah Alhimsi showed me his ruined teeth.\u003c/p>\n\u003cp>Alhimsi was so stressed he had broken his night guard and didn’t have money to buy a new one. Without the guard he started cracking his teeth. He’d broken a half dozen teeth by the time I talked to him.\u003c/p>\n\u003cp>I don’t know what happened to Alhimsi since I spoke with him two years ago. He hasn’t responded to calls or emails. The other cab drivers I am in touch with don’t know what happened to him, either.\u003c/p>\n\u003cp>There is a general feeling among the drivers I’ve interviewed over the years: that the city probably would have tried harder to do something if they were white, not immigrants and people of color.\u003c/p>\n\u003ch3>Last shred of hope\u003c/h3>\n\u003cp>I recently got back in touch with Namdev Sharma. He’s been working at the United States Postal Service to pay his medallion loan. Like many of these drivers, he’s still doing whatever he can with the hope of not losing all the money he paid into the loan.\u003c/p>\n\u003cp>“I invested my whole life savings money,” he said. “It’s almost $90,000 I paid to the bank. I don’t want to lose that money.”\u003c/p>\n\u003cp>Sharma and a group of taxi drivers used to go to \u003ca href=\"https://www.kqed.org/news/11803400/sf-taxi-drivers-who-go-every-week-to-city-hall-buy-back-our-medallions\">City Hall every week for nearly three years to plead for help\u003c/a>. But the community of drivers fighting for justice is now breaking down under the weight of the debt. Drivers are taking other jobs. Some are leaving the country, and some are disappearing altogether.\u003c/p>\n\u003cp>Sharma said drivers see the current lawsuit as one final chance. “I have like a 10% hope, not a 90%. They will refund our money or not,” Sharma said.\u003c/p>\n\u003cp>There is no clear way drivers would see any refund from this case. The taxi drivers are not a party to the lawsuit. If the credit union wins, it may decide to forgive the amount drivers still owe on the loans. A ruling on the lawsuit is expected in mid-October.\u003c/p>\n\u003cp>Drivers who are more savvy about the legal system hope that the lawsuit could give them an opening. Because of this suit, there is now public testimony of events, like former city officials talking about how Uber and Lyft posed a threat to the medallion system and how something should have been done. Drivers hope those testimonies and a favorable ruling by the judge could open the door for them to take further legal action against the city.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The big fear of drivers like Sharma, though, is that once this lawsuit is over, so will be the last shred of attention on their plight. The 700 taxi-driving families who bought medallions do not have the kind of financial resources of a credit union to launch a legal battle. If they don’t get some relief now, then when?\u003c/p>\n\n\u003c/div>\u003c/p>",
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"soldout": {
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"title": "SOLD OUT: Rethinking Housing in America",
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