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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

The Marin City Flea Market Is Back

The Marin City Flea Market returns on May 23, offering arts, crafts, vintage items, and collectibles. The market aims to uplift local vendors and celebrate cultural diversity.

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Customers shopping in Marin City Flea Market. Photo courtesy of marincityflea.org.
Customers shopping in Marin City Flea Market. Photo courtesy of marincityflea.org.

By Godfrey Lee

After a long absence, Marin City will once again hold its flea market. The market will have its grand opening on Saturday, May 23, from 8 a.m. to 2 p.m. at the St. Andrew Presbyterian Church parking lot on 101 Donahue St. It will be held every fourth Saturday of the month

The market will be free to the public

There will be arts, crafts, vintage, collectibles, and other items on sale at the market. Interested vendors can contact info@marincityflea.org or text (415) 484-2984 for more information.

“The Marin City Flea Market’s mission is to uplift local vendors, celebrate cultural diversity, and provide an accessible community space where creativity, entrepreneurship, and connection can thrive,” says their website, marincityflea.org.

The flea market is sponsored and run by the Rotary Club of Marin City.

For more information, contact info@marincityflea.org. Or text to (415) 484-2984

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Activism

The People’s Coalition to Stop Deed Theft Speaks at National Probate Reform Coalition Meeting

Evangeline Byars and Carmella Carrington lead the STOPDEEDTHEFT.org movement, fighting rising deed and title fraud, which disproportionately affects Black and Brown communities nationwide.

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Left to right:  Evangeline Byars  and Carmella Carrington are gaining nationwide attention with their STOPDEEDTHEFT.org movement.
Left to right:  Evangeline Byars  and Carmella Carrington are gaining nationwide attention with their STOPDEEDTHEFT.org movement.

 

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By Tanya Dennis

The National Probate Reform Coalition (NPRC) has learned that aside from rampant theft of properties occurring through probate court, deed theft extends even further with the support of banks, police, judges, attorneys and “the system” to steal Black and Brown properties.

Deed and title fraud are rising, with FBI data showing over 9,300 complaints and $173.6 million in losses in 2024 alone.

To that end, NPRC invited Evangeline Byars of The People’s Coalition to Stop Deed Theft as their keynote speaker on May 7.

Deed theft victims reach out to Byars because she has a reputation of getting things done.  Introduced to community organizing at Medgar Evers College in 2011, Byars was mentored by Harry Belafonte and gained further movement training in 2012-13 through his “Gathering for Justice.” Byars also trained with the Youth Brigade 32BJ, Union in 2012 where she learned to map, target, and execute actions.

With that knowledge as an advocacy worker, Byars ran for president of TWU Local 100 for transit workers.  During challenges of the union and political changes in New York when unions no longer had friends in government, they organized.

In 2025, deed theft victims approached Byars and told their stories.  Byars investigated, and discovered rampant, unrelenting theft of properties, primarily from Black and brown families, got involved and helped them with their fight, teaching them how to sustain their fight at the grassroots level while remaining politically independent.  This independence gave them the ability to move without co promise.

Deed theft is the taking of someone’s deed through fraudulent mortgages or a stranger that accesses property records, prepares paperwork and files for an owner’s property. New York is a’ first notice’ state, which means whoever appears first on record is the designated deed holder.

Deed theft escalated between 2013-23, the outcome of the subprime market, when people faced mass foreclosure and short sales. By 2014 people, primary Black and Brown, were fighting for their property.

In California, title theft (deed fraud) is a fast-growing threat often targeting high-equity homes, vacant land, and rentals. As of 2024, California leads the nation in real estate fraud with over 1,583 cases costing roughly $24.8 million in losses in a single year, reflecting the state’s prime position for scammers due to high property values, the FBI reports.

Byars says, “Deed theft affects Black and Brown people: it is by design, leading to the erasure of people of color homeownership that is happening nationwide. In every big city across the United States, towns and municipalities, we are witnessing a mass exodus of Black and brown people.  This theft cannot occur without judges, notaries and law enforcement, it is a syndicate of players working together for the removal of people by illegal ejectment or eviction.

The People’s Coalition to Stop Deed Theft does court watch and constantly highlight the inequities in the court system.

Byars says, “This is a human rights crisis.  Because of Wall Street and what New York signifies to the nation, know that no state is safe.  Any person can come and create paper terrorism, slap forgery notes on homes; engage in illegal guardian procedures; initiate foreclosures; apply for fraudulent loan modifications; then there’s outright theft and forgery, just taking people’s homes.  Believe me, it’s happening nationally and on the daily, These predators also target seniors over the age of 60 and women.”

The People’s Coalition to Stop Deed Theft take direct actions against perpetrators and are working with the New York District Attorney to create an office dedicated to gighting deed theft.

“Two ways to protect your deed is to keep a note, never satisfy your mortgage, because the bank is the biggest gangster, but if you’re making a payment, it keeps them in check.  Or put your home in a living trust, once you have a trust, it hides the owner’s name and protects the person from predators.”

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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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