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Opinion: Black Workers Depend on Same-Day Pay. Why is Gov’t Trying to Restrict It?

It’s no secret that too many Americans are living paycheck to paycheck. What appears to be a secret is that an industry that is casting lifelines to those in need is being blocked by state and federal regulators. The industry in question is Earned Wage Access (EWA). EWA is an innovative fintech solution that empowers workers and helps them pay bills on time by accessing wages they’ve already earned. A 2021 study found that EWA services often prevent consumers from missing bill payments and slipping further into debt.

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Jay King is CEO of the California Black Chamber of Commerce.
Jay King is CEO of the California Black Chamber of Commerce.

Jay King, Special to California Black Media Partners

It’s no secret that too many Americans are living paycheck to paycheck. What appears to be a secret is that an industry that is casting lifelines to those in need is being blocked by state and federal regulators.

The industry in question is Earned Wage Access (EWA). EWA is an innovative fintech solution that empowers workers and helps them pay bills on time by accessing wages they’ve already earned. A 2021 study found that EWA services often prevent consumers from missing bill payments and slipping further into debt.

Despite the many benefits and the fact that businesses all across the country, including Paychex, now offer EWA to employees, the Consumer Financial Protection Bureau (CFPB) recently issued guidance that could effectively wipe out this tool and, in the process, let struggling families, already in jeopardy, drown even deeper in debt.

The numbers tell the story. According to a recent study, 66% of Americans report living paycheck to paycheck, while 40% report being unable to afford a $400 emergency expense. They face hardship paying bills, covering financial emergencies, and otherwise making ends meet. These aren’t just workers with minimum-wage jobs either; half of those U.S. consumers facing hardship earn more than $100,000 per year.

This dynamic is especially pernicious in the Black community. According to recent figures, Black Californians currently have the lowest household income of any major racial or ethnic group in the state. Research also indicates that nearly a third of Black families are late paying their debts and 42% use credit cards just for basic living expenses while half do so to send their kids to college.

EWA is ready to support these individuals, yet the CFPB seems to think these services are just loans masquerading as something new. Not only is this wrong, but the agency’s interpretive guidance reverses their previous guidance and contradicts the established language and interpretation of the Truth in Lending Act (TILA).

This change could have a devastating impact on the very people it purports to protect. By categorizing EWA as loans, the CFPB would impose unnecessary regulations that stifle innovation and could drive consumers back toward high-cost payday lenders.

As I mentioned, the numbers tell the story, and EWA has an impressive track record. A recent study from Citizens Bank found that seven in 10 middle-market companies currently offer EWAs to employees, with more planning to do so in years to come. As it happens, few states better illustrate the value, and excellent ROI, of EWAs than California. Californians employed by Walgreens, Home Depot, FedEx Office and other businesses have accessed more than $1.67 billion in wages through EWA. Equally promising, more than half of consumers who tap into EWA can now afford a $400 emergency.

EWA services have always proven to serve the greater good, particularly in supporting underserved communities like the Black community, which is disproportionately affected by financial instability. The CFPB should take advantage of this opportunity to make sure they continue to do so, rather than creating obstacles that could undermine their effectiveness.

I urge the CFPB to rethink this misguided guidance. The agency must prioritize fairness and innovation to protect both consumers and the businesses that employ them.

About the Author

Jay King is CEO of the California Black Chamber of Commerce.

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Alameda County

Mayor Barbara Lee Declares ‘Delroy Lindo Day,’ Presents Acclaimed Actor with Key to the City

Oakland Mayor Barbara Lee honored acclaimed actor Delroy Lindo with the Key to the City and declared “Delroy Lindo Day” to celebrate his contributions to film, television, and theater.

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Oakland Mayor Barbara Lee presents Oakland actor Delroy Lindo the key to the cCity Council chambers of Oakland City Hall in downtown Oakland. Photo by Carla Thomas. 
Oakland Mayor Barbara Lee presents Oakland actor Delroy Lindo the key to the cCity Council chambers of Oakland City Hall in downtown Oakland. Photo by Carla Thomas. 

By Carla Thomas

Oakland honored one of its most distinguished residents on May 6 as Mayor Barbara Lee presented acclaimed actor Delroy Lindo with the Key to the City and an official proclamation declaring “Delroy Lindo Day.”

The event, titled “Rooted in Legacy: Honoring Delroy Lindo,” took place at Oakland City Hall and brought together community leaders, artists, and young people for an evening centered on storytelling, cultural pride, and intergenerational connection.

Lindo, a critically acclaimed artist who lives in Oakland, was recognized for his extensive contributions to film, television, and theater, as well as his impact on the global African diaspora. Most recently the Oscar-nominated artist was recognized for his phenomenal role as a bluesman in Ryan Coogler’s “Sinners,” a winner both critically and at the box office.

His celebrated body of work included roles in “Unprisoned,” “Malcolm X”, “Clockers,” “Get Shorty,” and ”Da 5 Bloods,” among others.

“He’s brought depth, inspiration, and authenticity to the screen,” said Lee.

The program highlighted both Lindo’s artistic legacy and his influence as a mentor. A centerpiece of the evening was an intimate fireside conversation between MLee and Lindo.

“I am a living, breathing example of somebody who has achieved the American Dream,” said Lindo. “The other side of that is I walk through the world as a Black man of African descent.”

At 5 years of age, Lindo played King Balthazar in a Nativity play. And years later on Easter of 1973 in New York the Negro Ensemble Company’s play, “The River Niger” left a great impact on him.

“Seeing that production and so many Blacks in the audience, gave me an understanding that maybe I could have a career as an actor,” said Lindo.

Students from the Oakland School for the Arts delivered powerful monologues, adding a dynamic and emotional layer to the program. The students’ instructor, Tavia Percia, chairman of the school’s theatre department, watched the performance proudly. Their performances emphasized the importance of arts education and demonstrated the next generation of talent inspired by figures like Lindo.

Five young men from All Tied Up Academy had the honor of presenting the “Rooted in Legacy” plaque to Lindo with Lee.

The evening also featured a cinematic showcase of Lindo’s work, offering a retrospective glimpse into his decades-long career.

The Golden State Warriors presented Lindo with a custom jersey, symbolizing the city’s appreciation for his contributions both on and off the screen.

The highlight of the evening came as  Lee formally presented Lindo with the Key to the City and read the proclamation establishing “Delroy Lindo Day.” The recognition marked not only his artistic achievements but also his enduring connection to Oakland and his commitment to community engagement.

Celebrities, including filmmaker Ryan Coogler, congratulated Lindo via a video presentation. Lindo did not hold back the tears of gratitude. “I carry Oakland with me wherever I go,” said. Lindo, who is Jamaican via the UK, said he chose the Bay Area to call home with his wife and raise his son.

When young men who grew up with his son entered the council chambers, Lindo welcomed them to the stage for a hug and acknowledgement. “These young men are all honorable. I’ve watched them grow up, and they are the future,” he said. “These are three people that give me hope for this country.”

Addressing the audience, Lindo said, “You are part of the infrastructure of my life. My life would not be as it is without you. You give me more than I give you. Wherever I go, I bring Oakland with me.”

advised everyone to push past negativity of the world.

“Hold onto your dreams, particularly now in this country being fed the constant narrative that ‘we are less than,’ because we know we are more than. And kudos to Mayor Lee at the forefront for decades repping us for Oakland and America.”

“Everyone, hold fast to your purpose and charge as a human being and to the young; go for yours!”

Lindo thanked his many fans, friends, and family in the audience. Attendees included broadcaster Dave Clark, attorney John Burris, former Alameda County Supervisor Keith Carson, Dr. Albert Brooks who delivered his son, and First African Methodist Episcopal Church  Rev. Rodney Smith. Screenwriter David Webb Peoples, who gave him his first film role in Australia, “The Blood of Heroes, was also in attendance.

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Activism

‘Hire Oakland’ Job Fair Draws 2,000, Connecting Residents to Immediate Job Opportunities

Oakland’s Hire Oakland job fair, hosted by Mayor Barbara Lee’s office, connected over 2,000 job seekers with employers, highlighting a strong demand for quality jobs and career pathways in the city.

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Left to right: Yawo Tekpa, OPIC Manager, One Stop Operator; Sofia Navarro, Deputy City Administrator; and Ray Lankford, CEO of the Oakland Private Industry Council. Photo by Jonathan Fitness Jones.
Left to right: Yawo Tekpa, OPIC Manager, One Stop Operator; Sofia Navarro, Deputy City Administrator; and Ray Lankford, CEO of the Oakland Private Industry Council. Photo by Jonathan Fitness Jones.

By Post Staff

The Office of Mayor Barbara Lee, in partnership with the City of Oakland and regional employers, hosted a successful Hire Oakland job fair this week at Frank H. Ogawa Plaza, bringing together job seekers and employers for a day focused on opportunity, connection, and economic mobility.

With more than 2,000 RSVPs, the event on Wednesday reflected strong demand across Oakland for access to quality jobs and career pathways. Attendees participated in on-site recruitment, application support, and hands-on workshops designed to help job seekers navigate hiring processes and prepare for interviews.

Over the course of the day, employers and community partners engaged directly with residents in a welcoming, high-energy environment centered on opportunity and hope. Participating employers included EBMUD, Samuel Merritt University, the City of Oakland, BART, PG&E, AC Transit, East Bay Regional Parks District, Southwest Airlines, FedEx, and many others offering immediate openings and career pathways across sectors.

Workforce development partners Oakland Private Industry Council (OPIC) and Lao Family Community Development provided connections to résumé support, interview coaching, and individualized job search assistance throughout the event.

The strong turnout underscores a clear reality: Oakland residents are eager for pathways into meaningful work, and sustained investment in youth and workforce programs is essential.

That is why Mayor Lee has prioritized relaunching the Oakland Police Cadet Program and the Mayor’s Youth Employment and Education Program (MYEEP)—ensuring young people have early access to paid work experience, mentorship, and long-term career pathways, according to a City press statement.

“The turnout shows what we already know—Oaklanders are ready to work, ready to grow, and ready to build their futures here at home,” said Lee. “When we connect people directly to employers and invest in young people early, we are not just filling jobs—we are changing lives and strengthening our city’s future.”

The Hire Oakland job fair is part of the City’s broader effort to strengthen workforce pipelines, expand access to good-paying jobs, and ensure Oakland residents are first in line for local opportunity.

About Hire OaklandHire Oakland is a citywide workforce initiative led by the Office of Mayor Barbara Lee in partnership with City departments, workforce development organizations, and regional employers. The program connects Oakland job seekers to real-time hiring opportunities, training resources, and career pathways.

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Activism

Oakland Post: Week of May 13 – 19, 2026

The printed Weekly Edition of the Oakland Post: Week of May 13 – 19, 2026

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