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"content": "\u003cp>California is still struggling to get back on its feet after a devastating housing crisis. And Wells Fargo is partly to blame for the sluggish recovery because it is refusing to modify home loans, according to a coalition of homeowners groups.\u003c/p>\n\u003cp>By foreclosing on homeowners who can't make their payments, the San Francisco-based bank will suck billions of dollars out of the state's economy, according to the Alliance of Californians for Community Empowerment, the Center for Popular Democracy and the Home Defenders League.\u003c/p>\n\u003cp>In a \u003ca href=\"http://www.calorganize.org/sites/default/files/CA%20in%20Crisis%20-%20Wells%20Fargo%20Report.web_.pdf\">new report, \u003c/a>the coalition charges that Wells Fargo has been less inclined to reduce the principle of home loans than have other banks, such as Bank of America.\u003c/p>\n\u003cp>Wells Fargo responded that it has a low foreclosure rate compared to the industry in general.\u003c/p>\n\u003cp>Wells Fargo's bias toward foreclosures is disproportionately affecting predominantly black and Latino neighborhoods, the report charges.\u003c/p>\n\u003cdiv style=\"text-align: center\">\u003cstrong>San Francisco\u003c/strong>\n\u003cfigure id=\"attachment_91225\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/san-francisco-wells-fargo-foreclosure-map-3/\" rel=\"attachment wp-att-91225\">\u003cimg class=\"size-large wp-image-91225\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/San-Francisco-Wells-Fargo-foreclosure-map2-1024x791.jpg\" alt=\"All maps by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy \" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending foreclosures in San Francisco. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003c/div>\n\u003cp>(Read on for maps of \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#San%20Jose\">San Jose\u003c/a>, \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#Oakland\">Oakland\u003c/a>, \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#Richmond\">Richmond\u003c/a> and \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#Hayward\">Hayward\u003c/a>)\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Right now, about 65,000 California homeowners have received notice of a pending foreclosure, and about 20 percent of these loans are serviced by Wells Fargo, the report says.\u003c!--more-->\u003c/p>\n\u003cp>The report estimates that as of February 2013, Wells Fargo had 11,616 homes in its \"foreclosure pipeline.\"\u003c/p>\n\u003cp>Foreclosing on the homes will have the following effects, according to the report:\u003c/p>\n\u003cblockquote>\n\u003cul>\n\u003cli>Each home would lose approximately 22 percent of its value, for a\u003cbr>\ntotal loss of approximately $1.07 billion,\u003c/li>\n\u003cli>Homes in the surrounding neighborhood would lose value as well, for\u003cbr>\nan additional loss of about $2.2 billion, and\u003c/li>\n\u003cli>Government tax revenues would be cut by $20 million, as a result of\u003cbr>\nthat depreciation.\u003c/li>\n\u003c/ul>\n\u003c/blockquote>\n\u003cp>If the bank were to reduce the principle on the borrowers' loans, homeowners would have more money to spend. This would boost the state's economy, the coalition says.\u003c/p>\n\u003cp>Wells Fargo often bundles loans to sell to other entities, such as Fannie Mae, but acts as an agent for the new lender, collecting payments and handling foreclosures. In that capacity, Wells Fargo makes more money through foreclosures than loan modifications, the report says.\u003c/p>\n\u003cp>Wells Fargo has had an aggressive principal reduction program for loans that we own since 2009. Wells Fargo conducts all lending and servicing activities in a fair and responsible manner without regard to race or ethnicity. We are proud to be the nation’s leading lender.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Wells Fargo issued a written statement in response to the report:\u003c/p>\n\u003cblockquote>\u003cp>Over the last four years, Wells Fargo has:\u003cbr>\n•\tHelped more than 841,000 customers with loan modifications.\u003cbr>\n•\tProvided $6.3 billion in principal forgiveness—most of which has gone to borrowers in California.\u003c/p>\n\u003cp>Wells Fargo consistently provides assistance to customers facing financial challenges. Wells Fargo’s delinquency and foreclosure rates continue to rate below the industry average. Here are the facts:\u003cbr>\n•\tThe combined national industry delinquency and foreclosure rates are roughly 11%. Wells Fargo’s is 7.04%.\u003cbr>\n•\tThe Wells Fargo foreclosure rate in California is 1.04%*, less than half of our national rate.\u003c/p>\n\u003cp>*As of Q4 2012\n\u003c/p>\u003c/blockquote>\n\u003cdiv style=\"text-align: center\">\n \u003ca name=\"San%20Jose\">\u003cstrong>San Jose\u003c/strong>\u003c/a>\n\u003cfigure id=\"attachment_91226\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/san-jose-wells-fargo-foreclosure-map/\" rel=\"attachment wp-att-91226\">\u003cimg class=\"size-large wp-image-91226 \" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/San-Jose-Wells-Fargo-Foreclosure-Map-1024x791.jpg\" alt=\"San Jose Wells Fargo Foreclosures\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending Wells Fargo foreclosures in San Jose. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003ca name=\"Oakland\">\u003cstrong>Oakland\u003c/strong>\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_91227\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/oakland-wells-fargo-foreclosures/\" rel=\"attachment wp-att-91227\">\u003cimg class=\"size-large wp-image-91227\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/Oakland-Wells-Fargo-Foreclosures-1024x791.jpg\" alt=\"Pending Wells Fargo foreclosures in Oakland. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending Wells Fargo foreclosures in Oakland. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003ca name=\"Richmond\">\u003cstrong>Richmond\u003c/strong>\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_91228\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/richmond-wells-fargo-foreclosure-map/\" rel=\"attachment wp-att-91228\">\u003cimg class=\"size-large wp-image-91228\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/Richmond-Wells-Fargo-foreclosure-map-1024x791.jpg\" alt=\"Pending foreclosures in Richmond. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending foreclosures in Richmond. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003ca name=\"Hayward\">\u003cstrong>Hayward\u003c/strong>\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_91229\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/hayward-wells-fargo-foreclosures/\" rel=\"attachment wp-att-91229\">\u003cimg class=\"size-large wp-image-91229\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/Hayward-Wells-Fargo-foreclosures-1024x791.jpg\" alt=\"Hayward Wells Fargo foreclosures\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending foreclosures in Hayward. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003c/div>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>California is still struggling to get back on its feet after a devastating housing crisis. And Wells Fargo is partly to blame for the sluggish recovery because it is refusing to modify home loans, according to a coalition of homeowners groups.\u003c/p>\n\u003cp>By foreclosing on homeowners who can't make their payments, the San Francisco-based bank will suck billions of dollars out of the state's economy, according to the Alliance of Californians for Community Empowerment, the Center for Popular Democracy and the Home Defenders League.\u003c/p>\n\u003cp>In a \u003ca href=\"http://www.calorganize.org/sites/default/files/CA%20in%20Crisis%20-%20Wells%20Fargo%20Report.web_.pdf\">new report, \u003c/a>the coalition charges that Wells Fargo has been less inclined to reduce the principle of home loans than have other banks, such as Bank of America.\u003c/p>\n\u003cp>Wells Fargo responded that it has a low foreclosure rate compared to the industry in general.\u003c/p>\n\u003cp>Wells Fargo's bias toward foreclosures is disproportionately affecting predominantly black and Latino neighborhoods, the report charges.\u003c/p>\n\u003cdiv style=\"text-align: center\">\u003cstrong>San Francisco\u003c/strong>\n\u003cfigure id=\"attachment_91225\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/san-francisco-wells-fargo-foreclosure-map-3/\" rel=\"attachment wp-att-91225\">\u003cimg class=\"size-large wp-image-91225\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/San-Francisco-Wells-Fargo-foreclosure-map2-1024x791.jpg\" alt=\"All maps by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy \" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending foreclosures in San Francisco. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003c/div>\n\u003cp>(Read on for maps of \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#San%20Jose\">San Jose\u003c/a>, \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#Oakland\">Oakland\u003c/a>, \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#Richmond\">Richmond\u003c/a> and \u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/#Hayward\">Hayward\u003c/a>)\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Right now, about 65,000 California homeowners have received notice of a pending foreclosure, and about 20 percent of these loans are serviced by Wells Fargo, the report says.\u003c!--more-->\u003c/p>\n\u003cp>The report estimates that as of February 2013, Wells Fargo had 11,616 homes in its \"foreclosure pipeline.\"\u003c/p>\n\u003cp>Foreclosing on the homes will have the following effects, according to the report:\u003c/p>\n\u003cblockquote>\n\u003cul>\n\u003cli>Each home would lose approximately 22 percent of its value, for a\u003cbr>\ntotal loss of approximately $1.07 billion,\u003c/li>\n\u003cli>Homes in the surrounding neighborhood would lose value as well, for\u003cbr>\nan additional loss of about $2.2 billion, and\u003c/li>\n\u003cli>Government tax revenues would be cut by $20 million, as a result of\u003cbr>\nthat depreciation.\u003c/li>\n\u003c/ul>\n\u003c/blockquote>\n\u003cp>If the bank were to reduce the principle on the borrowers' loans, homeowners would have more money to spend. This would boost the state's economy, the coalition says.\u003c/p>\n\u003cp>Wells Fargo often bundles loans to sell to other entities, such as Fannie Mae, but acts as an agent for the new lender, collecting payments and handling foreclosures. In that capacity, Wells Fargo makes more money through foreclosures than loan modifications, the report says.\u003c/p>\n\u003cp>Wells Fargo has had an aggressive principal reduction program for loans that we own since 2009. Wells Fargo conducts all lending and servicing activities in a fair and responsible manner without regard to race or ethnicity. We are proud to be the nation’s leading lender.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Wells Fargo issued a written statement in response to the report:\u003c/p>\n\u003cblockquote>\u003cp>Over the last four years, Wells Fargo has:\u003cbr>\n•\tHelped more than 841,000 customers with loan modifications.\u003cbr>\n•\tProvided $6.3 billion in principal forgiveness—most of which has gone to borrowers in California.\u003c/p>\n\u003cp>Wells Fargo consistently provides assistance to customers facing financial challenges. Wells Fargo’s delinquency and foreclosure rates continue to rate below the industry average. Here are the facts:\u003cbr>\n•\tThe combined national industry delinquency and foreclosure rates are roughly 11%. Wells Fargo’s is 7.04%.\u003cbr>\n•\tThe Wells Fargo foreclosure rate in California is 1.04%*, less than half of our national rate.\u003c/p>\n\u003cp>*As of Q4 2012\n\u003c/p>\u003c/blockquote>\n\u003cdiv style=\"text-align: center\">\n \u003ca name=\"San%20Jose\">\u003cstrong>San Jose\u003c/strong>\u003c/a>\n\u003cfigure id=\"attachment_91226\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/san-jose-wells-fargo-foreclosure-map/\" rel=\"attachment wp-att-91226\">\u003cimg class=\"size-large wp-image-91226 \" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/San-Jose-Wells-Fargo-Foreclosure-Map-1024x791.jpg\" alt=\"San Jose Wells Fargo Foreclosures\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending Wells Fargo foreclosures in San Jose. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003ca name=\"Oakland\">\u003cstrong>Oakland\u003c/strong>\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_91227\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/oakland-wells-fargo-foreclosures/\" rel=\"attachment wp-att-91227\">\u003cimg class=\"size-large wp-image-91227\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/Oakland-Wells-Fargo-Foreclosures-1024x791.jpg\" alt=\"Pending Wells Fargo foreclosures in Oakland. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending Wells Fargo foreclosures in Oakland. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003ca name=\"Richmond\">\u003cstrong>Richmond\u003c/strong>\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_91228\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/richmond-wells-fargo-foreclosure-map/\" rel=\"attachment wp-att-91228\">\u003cimg class=\"size-large wp-image-91228\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/Richmond-Wells-Fargo-foreclosure-map-1024x791.jpg\" alt=\"Pending foreclosures in Richmond. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending foreclosures in Richmond. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003ca name=\"Hayward\">\u003cstrong>Hayward\u003c/strong>\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_91229\" class=\"wp-caption alignleft\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/news/2013/03/12/wells-fargo-blamed-for-hampering-california-economy/hayward-wells-fargo-foreclosures/\" rel=\"attachment wp-att-91229\">\u003cimg class=\"size-large wp-image-91229\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/03/Hayward-Wells-Fargo-foreclosures-1024x791.jpg\" alt=\"Hayward Wells Fargo foreclosures\" width=\"640\" height=\"494\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Pending foreclosures in Hayward. (Map by the Alliance of Californians for Community Empowerment (ACCE) and the Center for Popular Democracy)\u003c/figcaption>\u003c/figure>\n\u003c/div>\n\n\u003c/div>\u003c/p>",
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"title": "Wells Fargo Looking for a Cut of India's Rich Remittance Market",
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"content": "\u003cp>\u003cem>By Charla Bear\u003c/em>\u003c/p>\n\u003cp>Wells Fargo wants a bigger piece of the billions of dollars Indian expatriates will send home this year. The bank just announced it’s dramatically expanded its remittance service for Indian customers.\u003c/p>\n\u003cp>It can be a long, complicated process to send funds toIndia. Just ask Veera Srinivasan, one of a quarter-million Indian expats in the Bay Area. He sends money to his parents at least once a year.\u003c/p>\n\u003cp>“I have to use online transfer to a local bank inIndiain order to transfer locally there,” he says. “So, it’s a pain.”\u003c/p>\n\u003cp>Wells Fargo has teamed up with India’s second-largest bank, HDFC, to streamline the process. Customers can now send money directly to 5,200 branches and more than 16,000 ATMs inIndia, which includes those of Wells Fargo’s existing partner ICICI Bank.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003cstrong>What’s In It for Wells Fargo\u003c/strong>\u003c/p>\n\u003cp>Daniel Ayala, executive vice president of Wells Fargo, says the service expansion is a money-maker for the banks and a big help for consumers.\u003c/p>\n\u003cp>“Our customers in the Bay Area are increasingly of Indian decent and we understand that for these customers, sending money back home is one of their top priorities,” he says. “The amount of money they send on average exceeds the $1,400 to $1,500 range.”\u003c/p>\n\u003cp>For most of those transactions, Wells Fargo will charge a $5 to $7 fee, plus make some money off the currency exchange. Ayala would not say how much the bank stands to make, but admits there is a differential between the retail rate that Wells Fargo offers to customers and the wholesale rate that it gets from the bank in India.\u003c/p>\n\u003cp>Even with the cut going to the banks, sending remittances through the new partnership will still be cheap relative to many wire transfer services. Western Union remains the dominant remittance service, with more than 50,000 locations inIndia. It charges more than four times Wells Fargo’s fees.\u003c/p>\n\u003cp>\u003cstrong>Why now?\u003c/strong>\u003c/p>\n\u003cp>Muzaffar Chishti, director of the Migration Policy Institute at the New York University School of Law, says the timing of the deal shows how banks are racing to cash in on record high remittances to India. The World Bank estimates money transfers to the country will hit $70 billion this year.\u003c/p>\n\u003cp>Chishti points to three main reasons for the spike:\u003c/p>\n\u003cul>\n\u003cli>The \u003ca href=\"http://www.x-rates.com/d/INR/USD/graph120.html\">rupee has devalued considerably\u003c/a> against the dollar. So, if you’re sending dollars toIndia, it gives you a greater ability to buy things than six months ago.\u003c/li>\n\u003cli>The Reserve Bank of India (RBI) has started allowing accounts of non-resident Indians to have the same interest rates as domestic depositors. Some of these accounts could bear as much as 9% return annually. That’s a big jump from what depositors could make in US banks.\u003c/li>\n\u003cli>RBI also recently changed its rules to allow people to send up to 30 remittances per year as opposed to the 12 it used to permit.\u003c/li>\n\u003c/ul>\n\u003cp>\u003cstrong>Promise and pitfalls of a new market\u003c/strong>\u003c/p>\n\u003cp>“For Wells Fargo, it’s using it as a foothold to enter the Indian market,” he says. “I think it’s clearly using it as a way to test the Indian market and if it works well for it, you’ll see a larger role.”\u003c/p>\n\u003cp>He says one potential challenge for Wells Fargo is that a lot of people in India don’t have bank accounts because most of them live in rural areas.\u003c/p>\n\u003cp>“Institutions like the Indian Postal Office, which has branches in literally every village, much more than any domestic bank could, have an advantage,” he says.\u003c/p>\n\u003cp>“People are more used to going to a post office in rural areas than going to a bank. Wells Fargo is relying on the reach of the HDFC. It will have to see how that reach works out for its international opportunities.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Worldwide, Indian expatriates are expected to send $70 billion to their home country this year.\u003c/p>\n\n",
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"description": "By Charla Bear Wells Fargo wants a bigger piece of the billions of dollars Indian expatriates will send home this year. The bank just announced it’s dramatically expanded its remittance service for Indian customers. It can be a long, complicated process to send funds toIndia. Just ask Veera Srinivasan, one of a quarter-million Indian expats",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>By Charla Bear\u003c/em>\u003c/p>\n\u003cp>Wells Fargo wants a bigger piece of the billions of dollars Indian expatriates will send home this year. The bank just announced it’s dramatically expanded its remittance service for Indian customers.\u003c/p>\n\u003cp>It can be a long, complicated process to send funds toIndia. Just ask Veera Srinivasan, one of a quarter-million Indian expats in the Bay Area. He sends money to his parents at least once a year.\u003c/p>\n\u003cp>“I have to use online transfer to a local bank inIndiain order to transfer locally there,” he says. “So, it’s a pain.”\u003c/p>\n\u003cp>Wells Fargo has teamed up with India’s second-largest bank, HDFC, to streamline the process. Customers can now send money directly to 5,200 branches and more than 16,000 ATMs inIndia, which includes those of Wells Fargo’s existing partner ICICI Bank.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cstrong>What’s In It for Wells Fargo\u003c/strong>\u003c/p>\n\u003cp>Daniel Ayala, executive vice president of Wells Fargo, says the service expansion is a money-maker for the banks and a big help for consumers.\u003c/p>\n\u003cp>“Our customers in the Bay Area are increasingly of Indian decent and we understand that for these customers, sending money back home is one of their top priorities,” he says. “The amount of money they send on average exceeds the $1,400 to $1,500 range.”\u003c/p>\n\u003cp>For most of those transactions, Wells Fargo will charge a $5 to $7 fee, plus make some money off the currency exchange. Ayala would not say how much the bank stands to make, but admits there is a differential between the retail rate that Wells Fargo offers to customers and the wholesale rate that it gets from the bank in India.\u003c/p>\n\u003cp>Even with the cut going to the banks, sending remittances through the new partnership will still be cheap relative to many wire transfer services. Western Union remains the dominant remittance service, with more than 50,000 locations inIndia. It charges more than four times Wells Fargo’s fees.\u003c/p>\n\u003cp>\u003cstrong>Why now?\u003c/strong>\u003c/p>\n\u003cp>Muzaffar Chishti, director of the Migration Policy Institute at the New York University School of Law, says the timing of the deal shows how banks are racing to cash in on record high remittances to India. The World Bank estimates money transfers to the country will hit $70 billion this year.\u003c/p>\n\u003cp>Chishti points to three main reasons for the spike:\u003c/p>\n\u003cul>\n\u003cli>The \u003ca href=\"http://www.x-rates.com/d/INR/USD/graph120.html\">rupee has devalued considerably\u003c/a> against the dollar. So, if you’re sending dollars toIndia, it gives you a greater ability to buy things than six months ago.\u003c/li>\n\u003cli>The Reserve Bank of India (RBI) has started allowing accounts of non-resident Indians to have the same interest rates as domestic depositors. Some of these accounts could bear as much as 9% return annually. That’s a big jump from what depositors could make in US banks.\u003c/li>\n\u003cli>RBI also recently changed its rules to allow people to send up to 30 remittances per year as opposed to the 12 it used to permit.\u003c/li>\n\u003c/ul>\n\u003cp>\u003cstrong>Promise and pitfalls of a new market\u003c/strong>\u003c/p>\n\u003cp>“For Wells Fargo, it’s using it as a foothold to enter the Indian market,” he says. “I think it’s clearly using it as a way to test the Indian market and if it works well for it, you’ll see a larger role.”\u003c/p>\n\u003cp>He says one potential challenge for Wells Fargo is that a lot of people in India don’t have bank accounts because most of them live in rural areas.\u003c/p>\n\u003cp>“Institutions like the Indian Postal Office, which has branches in literally every village, much more than any domestic bank could, have an advantage,” he says.\u003c/p>\n\u003cp>“People are more used to going to a post office in rural areas than going to a bank. Wells Fargo is relying on the reach of the HDFC. It will have to see how that reach works out for its international opportunities.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Worldwide, Indian expatriates are expected to send $70 billion to their home country this year.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"title": "24 Arrested During Wells Fargo Protest",
"headTitle": "24 Arrested During Wells Fargo Protest | KQED",
"content": "\u003cfigure id=\"attachment_63365\" class=\"wp-caption alignright\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/IMG_4737.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-63365\" title=\"IMG_4737\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/IMG_4737-300x200.jpg\" alt=\"Hundreds of protesters surrounded the Merchants Exchange Building in downtown San Francisco during the annual Wells Fargo shareholders meeting. (Lisa Pickoff-White/KQED)\" width=\"300\" height=\"200\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Hundreds of protesters surrounded the Mercantile Building in downtown San Francisco during the annual Wells Fargo shareholders meeting. (Lisa Pickoff-White/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>Maybe 500 people turned out — our reporters’ best estimate — for today’s protest targeting the Wells Fargo shareholder meeting in San Francisco. Protesters were calling for a moratorium on all foreclosures, as well as principal reductions on mortgages for homes whose values have dropped.\u003c/p>\n\u003cp>Marching from Justin Herman Plaza, protesters arrived at the Merchants Exchange Building in time for the 1 p.m. meeting, with about 16 actually infiltrating and disrupting the proceedings before being escorted out. SFPD says 24 people total were arrested inside the meeting and on the streets.\u003c/p>\n\u003cp>Our updates throughout the day, including reporter Aarti Shahani’s accounts of what went on inside the meeting…\u003c/p>\n\u003cp>\u003cstrong>6:47 p.m.\u003c/strong> Cy Musiker today interviewed Kirk Hanson, executive director of the Markkula Center for Applied Ethics at Santa Clara University, about what he thinks Wells Fargo’s obligations are considering the bank bailout, and whether the company has done enough for its customers. \u003c/p>\n\u003cp>Hanson said that the bank benefited greatly from the bailout and that:\u003c/p>\n\u003cblockquote>\u003cp>One would expect in response to that, the ethical argument would be, they ought to do whatever they can to soften the blow on those individuals who got these mortgages and went into foreclosure or got these mortgages and are suffering from the continuing stream of payments. There is clearly a bad record on the part of the banks in dealing with rewriting these mortgages, in marking down the total amounts that are owed. \u003c/p>\n\u003cp>Wells Fargo may have a marginally better record than Bank of America, which is often presented as the worst behavior in terms of managing this, but nonetheless they benefited greatly during the recession from the government steps to keep the banks whole, their executives are still paid very high salaries, and I think there’s a reasonable expectation that they would have done more to help those normal citizens, middle class, who suffered during the recession.\u003c/p>\u003c/blockquote>\n\u003cp>\u003cstrong>4:10 p.m.\u003c/strong> After the meeting today, Shahani interviewed Oscar Suris, Wells Fargo’s Executive Vice President for Corporate Communications. Edited transcript…\u003c/p>\n\u003cblockquote>\u003cp>AARTI SHAHANI, KQED: This meeting ended quickly, is that right?\u003c/p>\n\u003cp>OSCAR SURIS, WELLS FARGO: It ended according to the rules of the proceeding and the agenda.\u003c/p>\n\u003cp>SHAHANI: [Wells CEO] John Stumpf was saying it was a little unusual for it to go so quickly.\u003c/p>\n\u003cp>SURIS: I don’t know I would call it unusual. I just think that the company has a good story and there’s a high attendance of shareholders who are in support of the company’s performance, so it’s probably more a reflection of that than anything else.\u003c/p>\n\u003cp>SHAHANI: There was quite a bit of disruption during the meeting. What do you make of that?\u003c/p>\n\u003cp>SURIS: Shareholder meetings are in part an opportunity to have a dialogue. And we cetainly invited the opportunity…but we also wanted to conduct a meeting that would respect and honor all the participants and would also be in keeping with the rules of the meeting. We had some participants who wanted to not abide by those rules, and they interjected in a disruptive manner, and given our heightened focus on security today, we felt the best thing to do was escort them out of the meeting.\u003c/p>\n\u003cp>SHAHANI: Some protesters said they were put into a spillover room and intentionally filtered out of the main room, even though they’re shareholders. Do you have a response to that?\u003c/p>\n\u003cp>SURIS: Our focus from the very beginning has been to conduct this meeting according to the rules and also with a focus on keeping it as safe as possible for all of the meeting’s participants. We believe we had an obligation to do that and that was an obligation supported by the San Francisco Police Department.\u003c/p>\n\u003cp>But clearly we wanted to have all points of view in the room, all points of view were represented. But again, with a maximum capacity of 275 people, and protesters outside numbering more than 500, we weren’t going to be able to have everybody in here.\u003c/p>\n\u003cp>SHAHANI: Do you think that the criticism of Wells Fargo around foreclosures is fair?\u003c/p>\n\u003cp>SURIS: We think the characterization that we are not committed to helping this housing market get on its feet again are unfair…We have a very deep commitment both to the housing market and to consumers in it who are our customers. As our chairman and CEO John Stumpf said today, we are conducting two mortgage modifications for every one we foreclose on…That’s allowed us to modify mortgages for more than 740,000 homeowners since Jan 2009…We’ve forgiven more than $4 billion dollars of mortgage principal since Jan 2009.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cfigure id=\"attachment_63376\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/6965008212_65b5dd28cd_b.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/6965008212_65b5dd28cd_b-300x200.jpg\" alt=\"Interfaith members protest at Justin Herman Plaza before marching to the Wells Fargo shareholders meeting. (Don Clyde/KQED)\" title=\"6965008212_65b5dd28cd_b\" width=\"300\" height=\"200\" class=\"size-medium wp-image-63376\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Interfaith members protest at Justin Herman Plaza before marching to the Wells Fargo shareholders meeting. (Don Clyde/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>However, minister Gloria Castillo, Vicar of El Buen Samaritano Episcopal Church in the San Francisco Mission district, said today that Wells Fargo refused her three requests for a loan modification.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“After banking with Wells Fargo for decades, and having a great credit score, I asked them three times for a loan modification so I could stay in my home. And Wells Fargo refused,” she said. “Today, I stand here to pray, not only for those individually affected, but also for the congregations and communities that collaborate, feel the pain of this unethical practice.”\u003c/p>\n\u003cp>Protester Wallace Hill of Oakland told KQED’s Lisa Pickoff-White that his house went to auction in February after Wells Fargo denied him a loan modification as well. Now, he waits for the sheriff to evict him and his tenants.\u003c/p>\n\u003cp>“All we want is the basics: food, a roof over our head and a place for our kids to be. That’s all we want,” Hill said.\u003c/p>\n\u003cp>\u003cstrong>3:15 p.m.\u003c/strong> The \u003ca href=\"http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2012/04/24/MN881O8BCL.DTL&tsp=1\">Chronicle\u003c/a> paints this picture of the proceedings today inside the shareholders meeting, the target of today’s Wells Fargo protest.\u003c/p>\n\u003cblockquote>\u003cp>The shareholders meeting was held in a room that has eight chandeliers hanging from an ornately carved wooden ceiling. It seats 250, and the seats were full by 12:15 p.m., meaning no more shareholders could come in.\u003c/p>\n\u003cp>To get into the room, participants went through at least three layers of security, which included showing proof of shareholder status and a walk through a metal detector.\u003c/p>\u003c/blockquote>\n\u003cp>\u003cstrong>2:50 p.m.\u003c/strong> KQED’s Mina Kim reports the following arrest numbers, per SFPD:\u003c/p>\n\u003cul>\n\u003cli>14 arrested inside the Merchants Exchange Building and six outside, some for trespassing\u003c/li>\n\u003cli>Four arrested by Sheriff’s Department for resisting arrest\u003c/li>\n\u003c/ul>\n\u003cp>Aarti Shahani, reporting for KQED, was inside the shareholders meeting that was the target of today’s protest. She reported the following…\u003c/p>\n\u003cp>\u003cstrong>2:02 p.m.\u003c/strong> The meeting has ended. CEO and employees remark that it was exceptionally fast. No one had any questions. CEO John Stumpf says ‘that’s a first!’\u003c/p>\n\u003cp>Resolution 7 to conduct internal investigation into foreclosure practices voted down. Only 6% vote in favor\u003c/p>\n\u003cp>\u003cstrong>1:29 p.m.\u003c/strong> Over a dozen stand up and chant ‘mic check’ repeatedly. Woman says ‘Wells Fargo, \u003ca href=\"http://cjjc.org/news/62-actions/214-boycott-launched-against-wells-fargo-july-1-action\">stop investing in private prisons and immigrant detention\u003c/a>.’\u003c/p>\n\u003cp>All are escorted out.\u003c/p>\n\u003caside class=\"pullquote alignleft\">\n\u003cul>\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/2012/04/24/wells-fargo-protest-san-francisco/#twitter\">\u003cstrong>Tweets from local journalists\u003c/strong>\u003c/a> and \u003ca href=\"https://twitter.com/#!/search/%23wf24\">\u003cstrong>#wf24\u003c/strong>\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"http://www.stopwellsfargo.com/en/live\">\u003cstrong>Live web streams\u003c/strong>\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"http://www.flickr.com//photos/kqedradio/sets/72157629527141178/show/\">\u003cstrong>Slideshow\u003c/strong>\u003c/a>\u003c/li>\n\u003c/ul>\n\u003c/aside>\n\u003cp>\u003cstrong>1:25 p.m.\u003c/strong> Wells CEO Stumpf: ‘2011 all in all was a terrific year for the company.’\u003c/p>\n\u003cp>Protester: ‘Not a terrific year for all the families foreclosed on by Wells Fargo.’\u003c/p>\n\u003cp>CEO: ‘You’re out of order ma’am.’\u003c/p>\n\u003cp>She is escorted out.\u003c/p>\n\u003cp>\u003cstrong>1:20 p.m.\u003c/strong> 2nd protester inside meeting interrupts to condemn Wells Fargo’s private prison investments. She’s escorted out. CEO continues with agenda.\u003c/p>\n\u003cp>\u003cstrong>1:15 p.m.\u003c/strong> Seconds into CEO John Stumpf’s intro remarks, a man got up and shouted ‘point of order! point of order!…the 99% bailed out Wells fargo with its tax dollars.’\u003c/p>\n\u003cp>Officers escort him out.\u003c/p>\n\u003cp>Stumpf continues: ‘People are hurting. They’re upset. And we understand that…’\u003c/p>\n\u003cp>\u003cem>Earlier\u003c/em>\u003cbr>\nActivists are hoping to attract two thousand people from at least ten states to San Francisco today to protest Wells Fargo at the bank’s annual shareholder meeting. Marching from Justin Herman Plaza, protesters will arrive at the California Merchant Exchange Building by noon. “Some people will be ready for arrest if the CEO does not come down and listen to the demands that are being put out by the Wells Fargo stakeholders,” said Robbie Clark of Oakland-based Causa Justa.\u003c/p>\n\u003cp>Protesters want a moratorium on all foreclosures, and principal reductions on mortgages for homes whose values have dropped.\u003c/p>\n\u003cp>\u003cstrong>11:48 a.m.\u003c/strong> Latest from AP:\u003c/p>\n\u003cblockquote>\u003cp>San Francisco police are guarding the entrance to the annual meeting of Wells Fargo shareholders in San Francisco.\u003c/p>\n\u003cp>Dozens of officers were stationed around the Financial District building where protesters associated with the Occupy Wall Street movement said they planned to crash the meeting that got underway Tuesday.\u003c/p>\n\u003cp>Bank stockholders were being asked to show certificates or other proof of ownership before being allowed past gates erected in front of the Merchants Exchange Building.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>\u003cstrong>11:35 a.m.\u003c/strong> \u003ca href=\"http://www.flickr.com//photos/kqedradio/sets/72157629527141178/show/\">Photos\u003c/a> from today…\u003c/p>\n\u003cp>\u003cstrong>11:15 a.m.\u003c/strong> KQED’s Don Clyde spoke this morning to Father Richard Smith of The Episcopal Church of St. John the Evangelist in the Mission. He’s with the\u003ca href=\"http://www.sfop.org/\"> San Francisco Organizing Project\u003c/a>, a multifaith group that works on affordable housing and other issues.\u003c/p>\n\u003cp>“We’re here because, especially as people of faith, we are outraged that even at this stage of the game Wells Fargo has still not taken responsibility for the damages they’ve caused to millions of people across the country, millions of families,” he said, “including people right here in our city and in my own parish and community. This has got to stop. They’ve got to step up to the plate and assume responsibility. This is Ethics 101. It’s far too late in the day; there’s got to be a change now.”\u003c/p>\n\u003cp>\u003cstrong>11:00 a.m.\u003c/strong> KQED’s Don Clyde reports protesters at Justin Herman Plaza have started to march. He estimates maybe 400-500 people at this point.\u003c/p>\n\u003cp>Reporter Aarti Shahani says two women have been arrested after getting through the first layer of security at the shareholders’ meeting. She says five more who entered with stock certificates are blocking the entrance by sitting down.\u003c/p>\n\u003cp>\u003ca href=\"http://www.coveritlive.com/index2.php/option=com_altcaster/task=viewaltcast/altcast_code=94bc9bf3b7/\">Twitter coverage\u003c/a> from KQED News reporters and other local journalists. Click on the play button to activate the feed…\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003ca name=\"twitter\">\u003c/a>\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"http://www.coveritlive.com/index2.php/option=com_altcaster/task=viewaltcast/altcast_code=94bc9bf3b7/height=550/width=470\" frameborder=\"0\" scrolling=\"no\" width=\"470px\" height=\"550px\">\u003c/iframe>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_63365\" class=\"wp-caption alignright\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/IMG_4737.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-63365\" title=\"IMG_4737\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/IMG_4737-300x200.jpg\" alt=\"Hundreds of protesters surrounded the Merchants Exchange Building in downtown San Francisco during the annual Wells Fargo shareholders meeting. (Lisa Pickoff-White/KQED)\" width=\"300\" height=\"200\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Hundreds of protesters surrounded the Mercantile Building in downtown San Francisco during the annual Wells Fargo shareholders meeting. (Lisa Pickoff-White/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>Maybe 500 people turned out — our reporters’ best estimate — for today’s protest targeting the Wells Fargo shareholder meeting in San Francisco. Protesters were calling for a moratorium on all foreclosures, as well as principal reductions on mortgages for homes whose values have dropped.\u003c/p>\n\u003cp>Marching from Justin Herman Plaza, protesters arrived at the Merchants Exchange Building in time for the 1 p.m. meeting, with about 16 actually infiltrating and disrupting the proceedings before being escorted out. SFPD says 24 people total were arrested inside the meeting and on the streets.\u003c/p>\n\u003cp>Our updates throughout the day, including reporter Aarti Shahani’s accounts of what went on inside the meeting…\u003c/p>\n\u003cp>\u003cstrong>6:47 p.m.\u003c/strong> Cy Musiker today interviewed Kirk Hanson, executive director of the Markkula Center for Applied Ethics at Santa Clara University, about what he thinks Wells Fargo’s obligations are considering the bank bailout, and whether the company has done enough for its customers. \u003c/p>\n\u003cp>Hanson said that the bank benefited greatly from the bailout and that:\u003c/p>\n\u003cblockquote>\u003cp>One would expect in response to that, the ethical argument would be, they ought to do whatever they can to soften the blow on those individuals who got these mortgages and went into foreclosure or got these mortgages and are suffering from the continuing stream of payments. There is clearly a bad record on the part of the banks in dealing with rewriting these mortgages, in marking down the total amounts that are owed. \u003c/p>\n\u003cp>Wells Fargo may have a marginally better record than Bank of America, which is often presented as the worst behavior in terms of managing this, but nonetheless they benefited greatly during the recession from the government steps to keep the banks whole, their executives are still paid very high salaries, and I think there’s a reasonable expectation that they would have done more to help those normal citizens, middle class, who suffered during the recession.\u003c/p>\u003c/blockquote>\n\u003cp>\u003cstrong>4:10 p.m.\u003c/strong> After the meeting today, Shahani interviewed Oscar Suris, Wells Fargo’s Executive Vice President for Corporate Communications. Edited transcript…\u003c/p>\n\u003cblockquote>\u003cp>AARTI SHAHANI, KQED: This meeting ended quickly, is that right?\u003c/p>\n\u003cp>OSCAR SURIS, WELLS FARGO: It ended according to the rules of the proceeding and the agenda.\u003c/p>\n\u003cp>SHAHANI: [Wells CEO] John Stumpf was saying it was a little unusual for it to go so quickly.\u003c/p>\n\u003cp>SURIS: I don’t know I would call it unusual. I just think that the company has a good story and there’s a high attendance of shareholders who are in support of the company’s performance, so it’s probably more a reflection of that than anything else.\u003c/p>\n\u003cp>SHAHANI: There was quite a bit of disruption during the meeting. What do you make of that?\u003c/p>\n\u003cp>SURIS: Shareholder meetings are in part an opportunity to have a dialogue. And we cetainly invited the opportunity…but we also wanted to conduct a meeting that would respect and honor all the participants and would also be in keeping with the rules of the meeting. We had some participants who wanted to not abide by those rules, and they interjected in a disruptive manner, and given our heightened focus on security today, we felt the best thing to do was escort them out of the meeting.\u003c/p>\n\u003cp>SHAHANI: Some protesters said they were put into a spillover room and intentionally filtered out of the main room, even though they’re shareholders. Do you have a response to that?\u003c/p>\n\u003cp>SURIS: Our focus from the very beginning has been to conduct this meeting according to the rules and also with a focus on keeping it as safe as possible for all of the meeting’s participants. We believe we had an obligation to do that and that was an obligation supported by the San Francisco Police Department.\u003c/p>\n\u003cp>But clearly we wanted to have all points of view in the room, all points of view were represented. But again, with a maximum capacity of 275 people, and protesters outside numbering more than 500, we weren’t going to be able to have everybody in here.\u003c/p>\n\u003cp>SHAHANI: Do you think that the criticism of Wells Fargo around foreclosures is fair?\u003c/p>\n\u003cp>SURIS: We think the characterization that we are not committed to helping this housing market get on its feet again are unfair…We have a very deep commitment both to the housing market and to consumers in it who are our customers. As our chairman and CEO John Stumpf said today, we are conducting two mortgage modifications for every one we foreclose on…That’s allowed us to modify mortgages for more than 740,000 homeowners since Jan 2009…We’ve forgiven more than $4 billion dollars of mortgage principal since Jan 2009.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cfigure id=\"attachment_63376\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/6965008212_65b5dd28cd_b.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/04/6965008212_65b5dd28cd_b-300x200.jpg\" alt=\"Interfaith members protest at Justin Herman Plaza before marching to the Wells Fargo shareholders meeting. (Don Clyde/KQED)\" title=\"6965008212_65b5dd28cd_b\" width=\"300\" height=\"200\" class=\"size-medium wp-image-63376\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Interfaith members protest at Justin Herman Plaza before marching to the Wells Fargo shareholders meeting. (Don Clyde/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>However, minister Gloria Castillo, Vicar of El Buen Samaritano Episcopal Church in the San Francisco Mission district, said today that Wells Fargo refused her three requests for a loan modification.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“After banking with Wells Fargo for decades, and having a great credit score, I asked them three times for a loan modification so I could stay in my home. And Wells Fargo refused,” she said. “Today, I stand here to pray, not only for those individually affected, but also for the congregations and communities that collaborate, feel the pain of this unethical practice.”\u003c/p>\n\u003cp>Protester Wallace Hill of Oakland told KQED’s Lisa Pickoff-White that his house went to auction in February after Wells Fargo denied him a loan modification as well. Now, he waits for the sheriff to evict him and his tenants.\u003c/p>\n\u003cp>“All we want is the basics: food, a roof over our head and a place for our kids to be. That’s all we want,” Hill said.\u003c/p>\n\u003cp>\u003cstrong>3:15 p.m.\u003c/strong> The \u003ca href=\"http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2012/04/24/MN881O8BCL.DTL&tsp=1\">Chronicle\u003c/a> paints this picture of the proceedings today inside the shareholders meeting, the target of today’s Wells Fargo protest.\u003c/p>\n\u003cblockquote>\u003cp>The shareholders meeting was held in a room that has eight chandeliers hanging from an ornately carved wooden ceiling. It seats 250, and the seats were full by 12:15 p.m., meaning no more shareholders could come in.\u003c/p>\n\u003cp>To get into the room, participants went through at least three layers of security, which included showing proof of shareholder status and a walk through a metal detector.\u003c/p>\u003c/blockquote>\n\u003cp>\u003cstrong>2:50 p.m.\u003c/strong> KQED’s Mina Kim reports the following arrest numbers, per SFPD:\u003c/p>\n\u003cul>\n\u003cli>14 arrested inside the Merchants Exchange Building and six outside, some for trespassing\u003c/li>\n\u003cli>Four arrested by Sheriff’s Department for resisting arrest\u003c/li>\n\u003c/ul>\n\u003cp>Aarti Shahani, reporting for KQED, was inside the shareholders meeting that was the target of today’s protest. She reported the following…\u003c/p>\n\u003cp>\u003cstrong>2:02 p.m.\u003c/strong> The meeting has ended. CEO and employees remark that it was exceptionally fast. No one had any questions. CEO John Stumpf says ‘that’s a first!’\u003c/p>\n\u003cp>Resolution 7 to conduct internal investigation into foreclosure practices voted down. Only 6% vote in favor\u003c/p>\n\u003cp>\u003cstrong>1:29 p.m.\u003c/strong> Over a dozen stand up and chant ‘mic check’ repeatedly. Woman says ‘Wells Fargo, \u003ca href=\"http://cjjc.org/news/62-actions/214-boycott-launched-against-wells-fargo-july-1-action\">stop investing in private prisons and immigrant detention\u003c/a>.’\u003c/p>\n\u003cp>All are escorted out.\u003c/p>\n\u003caside class=\"pullquote alignleft\">\n\u003cul>\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/2012/04/24/wells-fargo-protest-san-francisco/#twitter\">\u003cstrong>Tweets from local journalists\u003c/strong>\u003c/a> and \u003ca href=\"https://twitter.com/#!/search/%23wf24\">\u003cstrong>#wf24\u003c/strong>\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"http://www.stopwellsfargo.com/en/live\">\u003cstrong>Live web streams\u003c/strong>\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"http://www.flickr.com//photos/kqedradio/sets/72157629527141178/show/\">\u003cstrong>Slideshow\u003c/strong>\u003c/a>\u003c/li>\n\u003c/ul>\n\u003c/aside>\n\u003cp>\u003cstrong>1:25 p.m.\u003c/strong> Wells CEO Stumpf: ‘2011 all in all was a terrific year for the company.’\u003c/p>\n\u003cp>Protester: ‘Not a terrific year for all the families foreclosed on by Wells Fargo.’\u003c/p>\n\u003cp>CEO: ‘You’re out of order ma’am.’\u003c/p>\n\u003cp>She is escorted out.\u003c/p>\n\u003cp>\u003cstrong>1:20 p.m.\u003c/strong> 2nd protester inside meeting interrupts to condemn Wells Fargo’s private prison investments. She’s escorted out. CEO continues with agenda.\u003c/p>\n\u003cp>\u003cstrong>1:15 p.m.\u003c/strong> Seconds into CEO John Stumpf’s intro remarks, a man got up and shouted ‘point of order! point of order!…the 99% bailed out Wells fargo with its tax dollars.’\u003c/p>\n\u003cp>Officers escort him out.\u003c/p>\n\u003cp>Stumpf continues: ‘People are hurting. They’re upset. And we understand that…’\u003c/p>\n\u003cp>\u003cem>Earlier\u003c/em>\u003cbr>\nActivists are hoping to attract two thousand people from at least ten states to San Francisco today to protest Wells Fargo at the bank’s annual shareholder meeting. Marching from Justin Herman Plaza, protesters will arrive at the California Merchant Exchange Building by noon. “Some people will be ready for arrest if the CEO does not come down and listen to the demands that are being put out by the Wells Fargo stakeholders,” said Robbie Clark of Oakland-based Causa Justa.\u003c/p>\n\u003cp>Protesters want a moratorium on all foreclosures, and principal reductions on mortgages for homes whose values have dropped.\u003c/p>\n\u003cp>\u003cstrong>11:48 a.m.\u003c/strong> Latest from AP:\u003c/p>\n\u003cblockquote>\u003cp>San Francisco police are guarding the entrance to the annual meeting of Wells Fargo shareholders in San Francisco.\u003c/p>\n\u003cp>Dozens of officers were stationed around the Financial District building where protesters associated with the Occupy Wall Street movement said they planned to crash the meeting that got underway Tuesday.\u003c/p>\n\u003cp>Bank stockholders were being asked to show certificates or other proof of ownership before being allowed past gates erected in front of the Merchants Exchange Building.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>\u003cstrong>11:35 a.m.\u003c/strong> \u003ca href=\"http://www.flickr.com//photos/kqedradio/sets/72157629527141178/show/\">Photos\u003c/a> from today…\u003c/p>\n\u003cp>\u003cstrong>11:15 a.m.\u003c/strong> KQED’s Don Clyde spoke this morning to Father Richard Smith of The Episcopal Church of St. John the Evangelist in the Mission. He’s with the\u003ca href=\"http://www.sfop.org/\"> San Francisco Organizing Project\u003c/a>, a multifaith group that works on affordable housing and other issues.\u003c/p>\n\u003cp>“We’re here because, especially as people of faith, we are outraged that even at this stage of the game Wells Fargo has still not taken responsibility for the damages they’ve caused to millions of people across the country, millions of families,” he said, “including people right here in our city and in my own parish and community. This has got to stop. They’ve got to step up to the plate and assume responsibility. This is Ethics 101. It’s far too late in the day; there’s got to be a change now.”\u003c/p>\n\u003cp>\u003cstrong>11:00 a.m.\u003c/strong> KQED’s Don Clyde reports protesters at Justin Herman Plaza have started to march. He estimates maybe 400-500 people at this point.\u003c/p>\n\u003cp>Reporter Aarti Shahani says two women have been arrested after getting through the first layer of security at the shareholders’ meeting. She says five more who entered with stock certificates are blocking the entrance by sitting down.\u003c/p>\n\u003cp>\u003ca href=\"http://www.coveritlive.com/index2.php/option=com_altcaster/task=viewaltcast/altcast_code=94bc9bf3b7/\">Twitter coverage\u003c/a> from KQED News reporters and other local journalists. Click on the play button to activate the feed…\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cfigure id=\"attachment_60710\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/03/95894682.jpg\">\u003cimg class=\"size-medium wp-image-60710\" title=\"Wells Fargo Reports Quarterly Earnings\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/03/95894682-300x198.jpg\" alt=\"Wells Fargo branch in San Francisco. (Justin Sullivan/Getty Images)\" width=\"300\" height=\"198\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Wells Fargo branch in San Francisco. (Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Members of the Oakland City Council are looking at bank foreclosure practices when deciding where to put the city’s money.\u003c/p>\n\u003cp>Wells Fargo currently has the city’s bank contract. Finance Committee Chair \u003ca href=\"http://www2.oaklandnet.com/Government/o/CityCouncil/o/District1/index.htm\">Jane Brunner\u003c/a> introduced a motion Tuesday requiring that any extension of the contract, which is set to expire next January, be approved by the City Council first.\u003c/p>\n\u003cp>“We want to find out what they're doing for the city of Oakland,” Brunner said. “We haven't been able to get that information.\u003c/p>\n\u003cp>While Wells Fargo, Chase and Bank of America have disclosed foreclosure numbers nationally, they’ve declined to disclose their numbers of foreclosures and loan modifications in Oakland.\u003c/p>\n\u003cp>Oakland already looks at how many loans a bank awards local small businesses. Brunner’s proposal would move the city to look at mortgage practices too. She says that by making the city’s bank contract competitive, these major servicers will be forced to reveal local numbers and negotiate better practices around interest rate modifications and principal reductions. The city is also looking at whether a smaller outfit, like the East Bay’s Mechanics Bank, could handle Oakland's business.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Lynette Neidhardt of Maxwell Park said at Tuesday’s hearing “I would like to see the banks being held accountable by cities, with a procedure to look into someone who might be better.”\u003c/p>\n\u003cp>Neidhardt is a homeowner who successfully blocked her own foreclosure, she’s part of the \u003ca href=\"http://www.newbottomline.com\">New Bottom Line\u003c/a> – a national campaign which touts moving over $50 million in cities’ public funds out of big banks and into community banks and credit unions\u003c/p>\n\u003cp>At the hearing, Assistant City Administrator \u003ca href=\"http://www.bizjournals.com/sanfrancisco/print-edition/2011/11/25/city-administrator-to-revamp-budget.html?page=all\">Scott Johnson\u003c/a> emphasized that while foreclosures are a concern, it’s important to keep the city's money safe and accessible.\u003c/p>\n\u003cp>He said about Wells Fargo, “I think they're very interested in doing business with us, and we're trying to work with them on getting the information that the community and the council desires.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Richmond and Berkeley are looking at similar efforts to divest from banks based on mortgage practices.\u003c/p>\n\n",
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"order": 1
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"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 />",
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"meta": {
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"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",
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"meta": {
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"source": "Commonwealth Club of California"
},
"link": "/radio/program/commonwealth-club",
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"google": "https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw",
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},
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"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",
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"source": "kqed",
"order": 9
},
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz",
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"id": "freakonomics-radio",
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"officialWebsiteLink": "http://freakonomics.com/",
"airtime": "SUN 1am-2am, SAT 3pm-4pm",
"meta": {
"site": "radio",
"source": "WNYC"
},
"link": "/radio/program/freakonomics-radio",
"subscribe": {
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"apple": "https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519",
"tuneIn": "https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/",
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},
"fresh-air": {
"id": "fresh-air",
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"link": "/radio/program/fresh-air",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"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.",
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"rss": "https://feeds.npr.org/510051/podcast.xml"
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},
"hidden-brain": {
"id": "hidden-brain",
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"info": "Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.",
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"airtime": "SUN 7pm-8pm",
"meta": {
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"source": "NPR"
},
"link": "/radio/program/hidden-brain",
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},
"how-i-built-this": {
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"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": {
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"link": "/radio/program/how-i-built-this",
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"npr": "https://rpb3r.app.goo.gl/3zxy",
"apple": "https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2",
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"hyphenacion": {
"id": "hyphenacion",
"title": "Hyphenación",
"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/03/Hyphenacion_FinalAssets_PodcastTile.png",
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"officialWebsiteLink": "/podcasts/hyphenacion",
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"order": 15
},
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},
"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",
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"officialWebsiteLink": "/podcasts/jerrybrown",
"meta": {
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"order": 18
},
"link": "/podcasts/jerrybrown",
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},
"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": {
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},
"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
}
},
"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": {
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"source": "American Public Media"
},
"link": "/radio/program/marketplace",
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},
"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": {
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"source": "WaitWhat"
},
"link": "/radio/program/masters-of-scale",
"subscribe": {
"apple": "http://mastersofscale.app.link/",
"rss": "https://rss.art19.com/masters-of-scale"
}
},
"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": {
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"source": "kqed",
"order": 12
},
"link": "/podcasts/mindshift",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
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}
},
"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/",
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"link": "/radio/program/morning-edition"
},
"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
"tagline": "Deeply-reported investigative journalism",
"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": 11
},
"link": "/podcasts/onourwatch",
"subscribe": {
"apple": "https://podcasts.apple.com/podcast/id1567098962",
"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw",
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"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": {
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"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"
}
},
"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/",
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"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 daily listener commentaries since 1991",
"info": "KQED's series of daily listener commentaries since 1991.",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/01/Perspectives_Tile_Final.jpg",
"imageAlt": "KQED Perspectives",
"officialWebsiteLink": "/perspectives/",
"meta": {
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"source": "kqed",
"order": 14
},
"link": "/perspectives",
"subscribe": {
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"npr": "https://www.npr.org/podcasts/432309616/perspectives",
"rss": "https://ww2.kqed.org/perspectives/category/perspectives/feed/",
"google": "https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvcGVyc3BlY3RpdmVzL2NhdGVnb3J5L3BlcnNwZWN0aXZlcy9mZWVkLw"
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},
"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": {
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"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",
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