Business
OP-ED: Minnesota’s KleinBank Violated Fair Housing Act, Failed Minority Communities
The Home Mortgage Disclosure Act is the nation’s most comprehensive mortgage lending report for its inclusion of data on lending by race and ethnicity.
PRINTHEADLINE
OP-ED: Redlining Settlement Fails to Provide Strong Penalties
Other Actions Signal More Backward Turns on Fair Housing
WEBHEADLINE
OP-ED: Minnesota’s KleinBank Violated Fair Housing Act, Failed Minority Communities
By Charlene Crowell (Deputy Communications Director, Center for Responsible Lending)
For as long as many people of color can remember, succeeding generations have called for justice. Despite these age-old pleas, justice is not only elusive, but frustrating since the enactment of a series of civil rights laws. Despite federal guarantees of equal treatment, much of Black America experiences something short of what was promised.
A recent settlement of a federal redlining lawsuit is yet another sign that justice is still being denied. Even worse, those entrusted in key federal agencies are willing to accept much less than what is fair or just.
On January 13, 2017 and as one of the last cases brought under the Obama Administration, the Department of Justice (DOJ) sued KleinBank, a lender in the Twin Cities’ metropolitan area with violations of both the Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA). The complaint said, in part, that from at least 2010 to 2015, “KleinBank’s discriminatory practices as described herein have been intentional and willful, and implemented with reckless disregard for the rights of individuals on the basis of their race and/or national origin.”
The January 2017 lawsuit followed a near two-year DOJ investigation that uncovered illegal redlining in neighborhoods of color. Within the metro area, lending in 78 of 97 majority-minority census tracts were excluded by the bank. Further, as KleinBank expanded to add at least seven full-service branches since 2007, not one is in a community of color.
Beyond a failure to serve all consumers, mortgage applications and approvals among consumers of color were equally disturbing. Other metro lenders surpassed KleinBank by as large a ratio as five-to-one in serving consumers of color. For example, among the 5,837 single-family residential loan applications filed with KleinBank, only 1.06 percent – 62 – came from consumers of color. Of the bank’s approved 4,392 residential mortgages, only 51 were secured in neighborhoods of color.
With these and other findings, DOJ’s complaint requested both monetary damages to those consumers who fell victim to these illegalities, and a civil penalty to vindicate the public interest.
Yet on May 8 of this year when a settlement was reached with the current DOJ, there was no civil penalty or judicial oversight – two key elements in earlier settlements with similar charges. Among other requirements, a limited, three-year agreement authorized a $300,000 loan subsidy fund to increase credit access in predominantly minority neighborhoods, as well as another $300,000 for credit repair initiatives, education, outreach and advertising that would include minority media. The settlement required the bank to redraw its Community Reinvestment Act assessment area. KleinBank also agreed to open a single branch in a neighborhood of color within the next year.
According to the settlement, “The United States agrees to jointly stipulate with KleinBank to the dismissal of the Civil Action. The parties agree and acknowledge that this consideration is adequate and sufficient.”
Pardon me, but I respectfully disagree—and so do others who believe in fair lending. A lack of civil penalty coupled with a brief term of compliance does not bode well for fair or just lending.
“The absence of a civil penalty is noteworthy and inconsistent with past redlining cases,” noted Melissa Stegman, a Senior Policy Counsel with the Center for Responsible Lending (CRL). “Furthermore, unlike prior cases, the parties entered into a settlement agreement – not a consent order. A consent order is a more powerful vehicle in that it is subject to the judge’s approval. Also, with a court order, the court maintains supervision of the agreement. Arguably, it’s a stronger way to hold the bank accountable for meeting the terms of the settlement.”
According to the original DOJ complaint the Federal Deposit Insurance Corporation (FDIC) never conducted a redlining examination of the bank, nor did it comment on or approve the bank’s CRA assessment area.
It is also noteworthy that earlier this month HUD announced it planned to seek public comment to revisit whether its 2013 rule known as ‘disparate impact’ was consistent with the 2015 U.S. Supreme Court ruling. Until this rule was adopted in the previous administration, many entities argued in fair housing lawsuits that lenders never intended to discriminate in housing. Disparate impact theory focuses on the effects of practices that foster housing discrimination and was upheld by the U.S. Supreme Court in 2015. HUD’s interest in public comment in 2018 sets the stage for weakening or reversing the rule and is yet another rollback of Obama-era initiatives.
Unfortunately, these kinds of fair lending concerns are experienced across the nation. In 2017, 28,843 housing-related complaints were reported, according to the National Fair Housing Alliance’s 2018 Fair Housing Trends Report. Of these complaints, more than 70 percent were handled by private, nonprofit fair housing organizations.
But the federal Department of Housing and Urban Development (HUD) is charged with ensuring effective enforcement of the Fair Housing Act. Even so, HUD processed less than five percent of last year’s complaints – about 1,311. Further, DOJ brought only 41 cases from the 6,896 complaints forwarded by Fair Housing Assistance Program agencies.
The Home Mortgage Disclosure Act is the nation’s most comprehensive mortgage lending report for its inclusion of data on lending by race and ethnicity. It too will be under review by the Consumer Financial Protection Bureau and appears to be in jeopardy. Currently, this annual report informs the housing industry as well as consumers as to remaining disparities and challenges. Without its detailed data, fair housing measures would be watered down.
When government offices charged and entrusted to enforce laws fail to fulfill their full duties, laws enacted to end discrimination become meaningless. If HUD turns away from fair housing enforcement, as recent actions taken by the agency indicate, or DOJ settles for far less than the law allows or what has even occurred as precedent, none of us should stay silent in the face of these failures.
“It has been 50 years and the Fair Housing Act still has not been fully implemented,” noted Lisa Rice, President and CEO of the National Fair Housing Alliance. “We cannot build a thriving society as long as our nation is plagued by discrimination, segregation, and severe economic inequality.”
Charlene Crowell is the Communications Deputy Director with the Center for Responsible Lending. She can be reached at [email protected].
Black Press
Early Childhood Nonprofit Celebrates a Century of Success
BLACKPRESSUSA NEWSWIRE — “Our work has never been more urgent,” said NAEYC CEO Michelle Kang. “We need systems that truly value children and the people who care for and educate them. Early childhood educators are the workforce behind the workforce—skilled, dedicated professionals whose impact reaches children, families, businesses, and communities nationwide. By recognizing these educators’ expertise, investing in their compensation, and elevating their contributions, we invest in our collectiv
The National Association for the Education of Young Children (NAEYC) commemorates its 100th anniversary this year, marking a century of advocacy, innovation, and leadership in early childhood education (ECE).
Founded in 1926 as the National Association for Nursery Education, NAEYC began with a simple but powerful belief: young children deserve better, and the people who care for them deserve a voice. Today, NAEYC stands as the nation’s largest early childhood education association, with tens of thousands of members, 50 affiliates in nearly every state, more than 5,800 accredited early learning programs serving over half a million children and nearly half a million families, and nearly 180 accredited higher education programs teaching the next generation of early childhood educators.
“Our work has never been more urgent,” said NAEYC CEO Michelle Kang. “We need systems that truly value children and the people who care for and educate them. Early childhood educators are the workforce behind the workforce—skilled, dedicated professionals whose impact reaches children, families, businesses, and communities nationwide. By recognizing these educators’ expertise, investing in their compensation, and elevating their contributions, we invest in our collective future.”
A Century of Progress
Over the past 100 years, NAEYC has created the foundational infrastructure of the early childhood education field. Key milestones include:
- Publishing the first professional standards in 1929
- Collaborating to develop the Child Development Associate (CDA) credential in the 1970s
- Launching the first voluntary national accreditation system in 1985
- Establishing Developmentally Appropriate Practice guidelines in 1987 to promote each child’s optimal development and learning
- Creating the field’s first Code of Ethics in 1989
More recently, NAEYC convened Power to the Profession (2017–2020), a national collaboration of 15 organizations and 11,000+ educators that developed the “Unifying Framework,” which defines shared career pathways, qualifications, and compensation recommendations for the early childhood workforce.
A Crisis of Today
While the science is clear that high-quality early childhood education changes trajectories for children, families, and communities, today’s early childhood educators remain undervalued and under-supported. Early childhood educators currently earn a median wage of $15.41 per hour, even as families pay an average of $13,128 per year for child care.
“Families can’t afford to pay more, educators can’t afford to earn less,” said Kang. “Our entire nation suffers as parents can’t find or afford the high-quality care they need, pulling themselves out of the workforce in the process.”
A Year of Reflections and Events
As the centerpiece of its centennial commemoration, NAEYC has launched A Year of Reflections, a storytelling initiative inviting educators, families, and advocates to share the moments, mentors, and milestones that have shaped their journeys in early childhood education. Monthly themes throughout 2026—from beginnings to workforce advocacy to a vision for the future—aim to not only surface important stories and storytellers in the field but will help inform NAEYC’s next chapter.
Black History
Together Building Back Better
AFRICAN-AMERICAN NEWS AND ISSUES – DALLAS — For more than 57 years, the SHAPE Community Center has served as a cornerstone of Houston’s Third Ward, providing essential programs based on principles of unity and collective responsibility. Known as “The United Nations of The ‘Hood,” the center recently faced its most difficult challenge following a devastating electrical fire at the Nia Becnel Family Center.
I’m going through the most challenging experience of my life with SHAPE,” said Deloyd Parker. He has served as the executive director of the historic SHAPE Community Center for over 57 years and is still energetic and driven by the love of serving the people. Known as “The United Nations of The ‘Hood,” SHAPE is a precious cornerstone of Houston’s Third Ward, serving generations of families through programs and activities, with emphasis on Unity, Self-Determination, Collective Work & Responsibility, Cooperative Economics, Purpose, Creativity, and Faith.
January 2027 will mark two years since a devastating electrical fire took place at SHAPE’s Nia Becnel Family Center, located at 3815 Live Oak. The building and priceless historical items were significantly damaged and lost. That included the “Wall of Fame” photo collection that adorned the interior walls. Nedzra Ward, President of the Board of Directors, shared how the fi rst few days aft er the fire were very trying for everyone who loved SHAPE and those who visited the sacred grounds were in shock and silence. “We knew we had to start working to get things back up,” said Ms. Ward who has been apart of SHAPE’s staff and board for decades. In the aftermath, Ms. Ward called the insurance company and then reached out to Charles Cave to be the lead project manager. They also reached out to engineers Brian Smith, Barbara Smith and Frank Brown, and other experts to formulate the group known as Together Building Back Better (TBBB).
The team met weekly at the Harambee Admin Building located at 3903 Almeda Rd. And to continue serving the people, Mr. Parker and team worked to get that building certified and operational, especially for the children. “Deloyd never stopped. He was the driving force for everything. He made sure that someone was taking care of licenses and that this place was being refigured. His whole goal was to have these kids back and in a safe environment,” said Ms. Ward. “We have served the people for 57 years and as a result of serving the people, the people are coming through,” said Mr. Parker. “It’s going to take more than a fi re to put us out.
Volunteers from the community stepped up to help at Harambee Admin Building. Many programs, events and activities have resumed including the weekly Elders Institute of Wisdom and enrollment is now open for the 2026-2027 After School Enrichment Program. Soft opening scheduled for November The desire was to reopen the gutted Live Oak location within a year but Ms. Ward and Mr. Cave described the many challenges SHAPE has faced in this rebuilding effort. The insurance did not cover everything that’s needed and tariffs
The post TOGETHER BUILDING BACK BETTER appeared first on African American News and Issues.
Based on reporting by African-American News and Issues – Dallas.
Black Press
Dallas Trinity FC Signs Kaiya Brewer to Academy Contract
THE DALLAS WEEKLY — Dallas Trinity FC has signed 15-year-old midfielder and forward Kaiya Brewer to an academy contract, allowing the Kansas City native to train and compete in the Gainbridge Super League while maintaining her collegiate eligibility. Brewer joins the professional club following a stint with Kansas City Current II and a successful youth career with the Utah Royals U19 ECNL.
DALLAS (Oct. 21, 2026) – Dallas Trinity FC announced today that it has signed 15-year-old midfielder and forward Kaiya Brewer to an academy contract. The academy contract allows Brewer to train and compete with Dallas Trinity FC in the Gainbridge Super League while preserving her collegiate eligibility.
Brewer joins Dallas Trinity FC after competing with Kansas City Current II in the Women’s Premier Soccer League (WPSL). The Kansas City, Kansas, native also played for Utah Royals U19 ECNL, where she earned ECNL Midwest All-Conference First Team honors.
“Kaiya is an exciting young player with the opportunity to take an important next step in her development here in Dallas,” said Brian Corcoran, sporting director for Dallas Trinity FC. “Our academy pathway gives players the chance to challenge themselves in a professional environment while keeping their college options open. We look forward to supporting Kaiya as she grows within our club.”
Brewer made her first appearance for Dallas Trinity FC on Oct. 17, opening the scoring in the club’s 3-2 win over Chivas Femenil in the 2026 State Fair Clásico at Cotton Bowl Stadium. The international friendly did not count toward official league statistics.
“Kaiya brings pace, vision and a willingness to put pressure on opponents,” said Lee Nguyễn, first team manager and technical director for Dallas Trinity FC. “The Clásico was a great opportunity for her to test herself, and it was encouraging to see her take that chance and score. We’re excited to help her build on that experience and keep developing her game.”
Brewer joins her older sister, Dallas Trinity FC defender Meila Brewer, who signed with the club in September and is representing the United States at the 2026 FIFA U-17 Women’s World Cup in Morocco.
PLAYER BIO
Name: Kaiya Brewer
Pronunciation: KAY-uh BROO-er
Position: Attacker
Height: 5-7
Jersey Number: #26
Date of Birth: December 6, 2010 (15)
Hometown: Kansas City, Kansas
Nationality: United States
Previous Club: Kansas City Current II (WPSL)
TRANSACTION: Dallas Trinity FC signs midfielder and forward Kaiya Brewer to an academy contract. Terms of the transaction were not disclosed.
The post Dallas Trinity FC Signs Kaiya Brewer to Academy Contract appeared first on Dallas Weekly.
Based on reporting by The Dallas Weekly.
Black Press
Dallas Mavericks Unite Players, Legends and the Oak Cliff Community at 2026 Community Tip-Off
THE DALLAS WEEKLY — The Dallas Mavericks launched their 2026-27 season by bringing the annual Community Tip-Off directly to the residents of Southern Dallas. Held at Halperin Park in Oak Cliff, the free event attracted approximately 3,000 children and featured current stars alongside franchise legends.
Dirk Nowitzki played 21 seasons for the Dallas Mavericks, becoming one of the most recognizable players in franchise history. However, some of the younger fans attending the team’s 2026 Community Tip-Off had a question for the Mavericks legend.
“I’m sure some of these kids didn’t know who I was because they asked,” Nowitzki said. “Some of them asked me, ‘Did you play for the Mavs?’ I think so, when your parents were around.”
It was one of many interactions that took place Monday afternoon as the Mavericks brought their 2026 Community Tip-Off directly to the people of Southern Dallas at Halperin Park in Oak Cliff.
Thousands of children had the opportunity to play basketball, enjoy festivities and spend time with their favorite Mavericks players and legends at the free community event, presented by Ticketmaster.

Mavericks president of business operations Ethan Casson spoke about the planning that went into bringing the celebration to Oak Cliff and the organization’s desire to create something different for the community.
“I think what we wanted to do for this season was really establish something that was about creating something more substantial, being very intentional with our efforts,” Casson said. “What if we showed up in a very grand way?”
That vision helped bring the Mavericks to Halperin Park, a bridge park constructed over Interstate 35E to reconnect Oak Cliff neighborhoods that had been separated by the highway for decades.
“We recognize what this park physically represents, which is connecting communities,” Casson said. “And when you’re able to visit, which we did with April and her team, the vision started to come to life.”
The park officially opened in May after years of planning, fundraising and community involvement. The Mavericks saw an opportunity to bring basketball and entertainment to a space created to strengthen relationships between neighborhoods.
April Allen, president and CEO of the Southern Gateway Public Green Foundation, appreciated the organization choosing Oak Cliff for its season-opening celebration.
“For the Mavs to come here to Oak Cliff, to spend the time, energy and resources that you see here is really a testament to their commitment to community,” Allen said. “We’re so grateful and honored that they chose us for this experience.”
The Mavs Foundation also presented a $50,000 grant to Halperin Park during the celebration, providing additional financial support for the community space.
Dallas City Manager Kimberly Bizor Tolbert attended the event and emphasized the importance of bringing celebrations and resources to Southern Dallas rather than leaving communities behind.
“We’ve got to continue to make sure that our community members are not left behind, and we’ve got to take things and be bold about going and being a part of community assets like Halperin Park,” Tolbert said.

(Roberto Hernandez/Dallas Mavericks)
The park represents an opportunity for neighborhoods to reconnect while creating a space where residents can gather and build relationships.
“I see that park as now a bridge that’s going to help us do that, even at a higher level,” Tolbert said.
Nowitzki also recognized the significance of the park and the investment that went into bringing the project to life.
“We all know what this park means to Dallas,” Nowitzki said. “Obviously, it’s been a project that’s been in the works for a long, long time.”
The Mavericks transformed Halperin Park into a gathering place filled with children playing basketball, visiting food vendors and interacting with players they had watched throughout the season.
Casson estimated approximately 3,000 children participated in the Community Tip-Off, including students from kindergarten through sixth-grade after-school programs.
Parents, teachers, local businesses and nonprofit organizations also attended, helping bring different parts of the Southern Dallas community together for the afternoon.
Approximately 200 Mavericks staff members helped organize the celebration, along with basketball operations personnel and corporate partners. Casson emphasized that bringing the entire organization together was an important part of making the event possible.
“When I say it was all hands on deck, it was all hands on deck,” Casson said. “It was really just one goal. How do we make it grand?”
Once the celebration began, the players had opportunities to interact with young fans and share messages about pursuing their dreams.
Mavericks forward Morez Johnson Jr. was among those who took the opportunity to encourage children to believe in themselves and work toward their goals.
“I think it means a lot, you know, to give these kids a lot to look up to,” Johnson said.
Johnson also reflected on messages shared with the children by his teammates, including P.J. Washington, Kyrie Irving and Cooper Flagg, about working hard and remaining focused on their dreams.
As one of the newer members of the Mavericks organization, Johnson appreciated the welcome he received and the chance to begin building relationships with the Dallas community.
“They welcomed me with open arms,” Johnson said. “I’m excited to get a chance to spend some time with these kids when I’m done with the interviews. I’m grateful to be here.”
For Casson, having players interact with children was one of the most meaningful parts of the celebration. He believes many athletes can relate to the experiences of young fans because of the coaches, teachers and mentors who helped shape their lives.
“To see your superheroes in person and know that those superheroes raised their hand and said they want to be here and be a part of it for this group is pretty special,” Casson said.
Nowitzki has experienced that relationship with Mavericks fans for more than two decades. Although some of the children were too young to remember his playing career, he appreciated the opportunity to connect with another generation.
“It’s cool to still get embraced by the city that I’ve played for for so long and now is my home,” Nowitzki said. “So definitely special. It means a lot.”
While the Community Tip-Off helped introduce the Mavericks to another generation of fans, the organization hopes to continue bringing similar celebrations to neighborhoods throughout Dallas.
Casson said the team plans to make the event an annual tradition, with future celebrations taking place in different communities.
“This is just the beginning,” Casson said. “This celebration we plan to bring to different communities, special communities throughout Dallas, year after year after year.”
The organization’s plans to visit other neighborhoods will not end its involvement in Southern Dallas. Casson emphasized that the Mavericks intend to continue supporting the community through additional programs, resources and investments.
Halperin Park was built to reconnect neighborhoods that had been separated for decades. On Monday, it also brought together generations of Mavericks fans, from those who watched Nowitzki throughout his career to children meeting him and the current team for the first time.
The Mavericks came to Oak Cliff to celebrate the beginning of the 2026-27 NBA season, but their goal extends beyond one afternoon of basketball and entertainment.
For Casson, the lasting impact of the celebration will depend on the organization’s willingness to continue showing up for the communities it serves.
“I think it’s important when you do any event, big or small, that it’s not a one-off,” Casson said. “This is about showing up again and again and again in different ways.”
The post Dallas Mavericks Unite Players, Legends and the Oak Cliff Community at 2026 Community Tip-Off appeared first on Dallas Weekly.
Based on reporting by The Dallas Weekly.
Black Press
Chase Launches Fraud & Scam Prevention Month
JPMorganChase is launching Chase Fraud & Scam Prevention Month this November to help consumers protect their personal information and finances. As the holiday season approaches, the nationwide initiative provides education on avoiding sophisticated tactics used by criminals, such as phishing and impersonation scams. The program features free workshops hosted by community managers across the lower 48 states and builds on existing financial wellness efforts that have reached over one million customers. Read more to learn how these new resources and technologies aim to stop financial crimes.
New initiative builds on Chase’s longstanding commitment to fraud and scam prevention education nationwide.
NEW YORK, Oct. 19, 2026 – Scams can happen to anyone. That’s why Chase is dedicating November to helping consumers protect themselves.
As consumers prepare for the holiday season, criminals are increasingly using sophisticated tactics to pressure people into sending money, sharing personal information and making decisions they’ll later regret.
This November, JPMorganChase is launching Chase Fraud & Scam Prevention Month, a nationwide consumer education initiative designed to help people recognize common scams, avoid in-the-moment mistakes and better protect their money and personal information during the holiday season.
The initiative builds on Chase’s longstanding efforts to help consumers navigate fraud and scams through education, awareness and community-based programming. Through its financial wellness initiatives, Chase has served more than 1 million customers and continues to host more than 1,000 fraud and scam prevention workshops annually across the country.
Throughout November, Chase Community Managers will host free educational workshops in all lower 48 states, as Chase continues to expand digital resources and consumer awareness efforts focused on helping people spot scams and take practical steps to protect themselves. Programming will address scams commonly seen during the holiday season, including impersonation scams, package delivery phishing attempts, gift card scams, fake online deals and fraudulent charity solicitations.
“Scammers are constantly adapting their tactics, making education and awareness more important than ever,” said Jennifer Roberts, CEO of Consumer Banking at Chase. “For years, JPMorganChase has invested in helping consumers recognize scams, understand warning signs and feel empowered to protect themselves. Chase Fraud & Scam Prevention Month builds on that commitment by providing practical guidance that can help people make safer decisions during the holiday season.”
Fraud and scam prevention remains a key component of Chase’s broader commitment to consumer financial wellness. Through educational workshops, local partnerships and community outreach, Chase helps communities build financial confidence and stay informed about evolving fraud and scam threats. The firm also works closely with law enforcement to share scam trends and insights and help drive more effective interventions as agencies work to combat financial crime.
Ongoing Fraud and Scam Prevention Efforts
Beyond consumer education, Chase continues to invest in technology, partnerships and customer protections designed to help prevent fraud and scams before they occur.
Scam prevention is embedded throughout the customer experience, from account opening and authentication to payments and customer service interactions. Chase continues to strengthen protections across the customer journey through targeted warnings, risk-based interventions, behavioral science-informed approaches and frontline employee training. These efforts help employees identify potential scams, recognize warning signs and better support customers who may be at risk of fraud or scams.
In addition, the firm continues to invest in next-generation security tools, including expanded use of passkeys and other authentication technologies designed to help defend against phishing, social engineering and account takeover attempts, as well as Trusted Contact Person, which allows customers to designate a trusted adult who may be notified of certain transactions to help guard against potential fraud or financial exploitation.
Earlier this year, JPMorganChase also announced nearly $14 million in philanthropic investments focused on consumer awareness, real-time prevention and victim support.
For more information about Chase’s fraud and scam prevention efforts and tips, visit Chase.com/security and attend a local fraud and scam prevention workshop.
About Chase
Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States of America with operations worldwide, assets of $5 trillion and $375 billion in stockholders’ equity as of June 30, 2026. Chase serves more than 87 million consumers and 7.5 million small businesses with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: 5,100 branches in 48 states and the District of Columbia, 14,500 ATMs, mobile, online and by phone. For more information, go to chase.com.
Black Press
Fate of Bay Area Public Transit Hinges on Regional Transit Measure
Voters in five Bay Area counties will decide the fate of a regional sales tax measure on Nov. 3 that could determine the future of local public transportation. If approved, the Regional Transit Measure would implement new sales taxes in Alameda, Contra Costa, San Mateo, Santa Clara, and San Francisco counties starting in 2027. The funding aims to address massive financial deficits facing agencies like BART and Muni, providing nearly $1 billion annually to prevent station closures and service cuts. Read more.
On Nov. 3, voters in five Bay Area counties will vote on a regional sales tax measure that, if it fails, could prompt local transit agencies to close train stations and cut bus service.
If passed, the Regional Transit Measure, or RTM, will impose a half-cent sales tax in Alameda, Contra Costa, San Mateo, and Santa Clara counties as well as a one-cent sales tax in San Francisco starting April 2027.
The tax would raise an estimated $980 million annually for 14 years to fund the region’s public transit agencies, which are struggling with massive financial deficits. Revenue would go to BART, Muni, Caltrain, Alameda-Contra Costa Transit, the Santa Clara Valley Transportation Authority, the San Francisco Bay Ferry, Golden Gate Transit, and other transportation agencies operating in the five counties.
In California, a regional measure for a new sales tax would normally require a two-thirds majority approval if the state Legislature directly places it on a ballot. Transit advocates, however, chose to collect signatures to make the sales tax a citizen-initiated ballot measure that would lower the threshold to a simple majority of votes cast across the five counties.
The RTM received more than 241,000 signatures, exceeding the 186,000-signature threshold required to qualify for the ballot.
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