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The Brief

The most important stories for you to know today
  • How to sort through misinformation
    A bald headed man wearing a t-shirt that reads "police ice" is pictured from behind.
    U.S. Immigration and Customs Enforcement agents detain an immigrant on Oct. 14, 2015, in Los Angeles.

    Topline:

    It can be difficult to distinguish fact from rumor while you’re scrolling, especially when the news is concerning. We spoke to immigration experts and advocates about what to know about current ice operations in California and how to avoid sharing misinformation about ice raids yourself — even with the best of intentions.

    Why it matters: Since the inauguration, social media posts about apparent ICE sightings have ramped up — bringing understandable concern and panic with them.

    Where to start: Throughout California, there are networks of dedicated volunteers and attorneys who are responding to possible ICE activity around the clock.

    Read on. . . for information on how to identify what ICE operations look like and what you can do when you encounter one.

    Even before President Donald Trump took office for a second time, panic about his promised “mass deportations” — and raids by U.S. Immigration and Customs Enforcement (ICE) — was already spreading throughout California.

    For example, in an early January operation unrelated to ICE, the Santa Clara County Sheriff’s Office served two search warrants related to retail theft. But photos of the vans used by the sheriff’s office began spreading on social media, accompanied by messages claiming that ICE was present and detaining people in East San José, where thousands of immigrant families live.

    “People in the community were reaching out to me to ask me if this was true,” said Huy Tran, executive director of Services, Immigrant Rights and Education Network (SIREN), an organization with offices in San José and Fresno that offers legal aid, trainings and leadership development to immigrant communities.

    Throughout California, there are networks of dedicated volunteers and attorneys who are responding to possible ICE activity around the clock — called Rapid Response Networks. SIREN, for example, forms part of Santa Clara County Rapid Response Network, which, on Jan. 26, responded to reports from neighbors about ICE sightings in East San José. This time around, the Rapid Response Network confirmed that the rumors were true: ICE agents were indeed transferring individuals who had received deportation orders.

    Since the inauguration, social media posts about apparent ICE sightings in the Bay Area’s immigrant communities have ramped up — bringing understandable concern and panic with them. Last week, a San Francisco middle student’s report that they were questioned by an immigration agent on a city Muni bus prompted SFUSD officials to send emails to local families warning them about the alleged incident — even though representatives for both ICE and the San Francisco Sheriff’s Office ultimately denied any involvement in the incident.

    But it can be difficult to distinguish fact from rumor while you’re scrolling, especially when the news is concerning. We spoke to immigration experts and advocates about what to know about current ICE operations in California and how to avoid sharing misinformation about ICE raids yourself — even with the best of intentions.

    ICE, fear and perception

    In California, a state with roughly 2 million undocumented individuals, according to the Pew Research Center, advocates say Trump has been weaponizing fear, along with harsher enforcement of immigration policies.

    “The federal government is more likely going to do the things that can get the Trump administration visibility,” said Lourdes Martínez, who helps lead the immigrants’ rights practice at Oakland legal services nonprofit Centro Legal de la Raza. “They only have to detain a few people for the fear to really reverberate.”

    It’s normal to feel scared about ICE showing up in your community, said Tran from SIREN. “I understand the desire to want to do something, to share information right away,” he added.

    But fear also makes it hard for people to sort bad information from good, and panic can lead folks to quickly share online posts without checking them out further. “Anxiety, fear, it spreads incredibly quickly,” Tran said. “When people send information out to these huge networks, it spreads far, wide and fast.”

    A group of people hold up signs in protest. A woman at the center of the photo holds up her right hand in a fist
    Students and supporters of DACA (Deferred Action for Childhood Arrivals) rally in downtown Los Angeles on Nov. 12, 2019.
    (
    Frederic J. Brown
    /
    AFP via Getty Images
    )

    What have ICE arrests looked like in Trump’s first days, and what is the focus?

    During his 2024 campaign, Trump promised his administration would launch “the largest deportation program of criminals in the history of America.” He even promised to deploy the military for deportations.

    In his first week back as president, Trump signed both an executive order declaring “an invasion” at the southern border and ended a Biden-era rule that restricted immigration officers from detaining people at “sensitive locations” like schools, churches and hospitals. ICE detentions have also intensified in Chicago since the inauguration, where officials said they have launched “enhanced targeted operations.”

    But while Trump still said his administration would go ahead with mass deportations, officials appointed by him are being more careful with their words — laying emphasis, for now, on people with criminal convictions. “If you’re in the country illegally, ICE can visit you,” said Tom Homan, who Trump designated as “border czar.” “But right now … we’re concentrating on the worst first,” he clarified during an interview with Fox News on Wednesday. “The public safety threats.”

    In the same interview, Homan said that ICE had arrested 308 undocumented individuals with criminal convictions the previous day alone. For context, that’s still way below the average daily number of arrests and deportations during the Obama administration.

    As for Trump’s promise of using the military for deportations, the only evidence of the administration doing this is using military aircraft to fly migrants detained by ICE to their countries of origin. Additional troops have arrived in San Diego, but the Pentagon said these troops will not be involved in law enforcement.

    What should I do if I see an online post about ICE in the community?

    The major takeaway: If you think you see ICE in your neighborhood or see ICE reported nearby on social media, advocates advise that you call them instead of circulating anything online.

    Tran of SIREN explained further: Before posting anything, you should first reach out to your local Rapid Response Network — a coalition of volunteers, organizations and attorneys that work together to confirm ICE sightings and connect people who have been detained by ICE to legal representation.

    Find the Rapid Response Network that serves your community.

    It’s possible that the Rapid Response Network in your city has already checked out the reported ICE sighting you’re seeing on your feed — so by calling them, you can get information from folks who are at the scene. You could also be alerting them to an ICE sighting that isn’t already on their radar.

    San Francisco community organization Mission Action urged people to avoid sharing unverified information, with Executive Director Laura Valdez saying that such rumors “can unnecessarily heighten fear and confusion” and that communities should trust Rapid Response Networks to “verify reports and share clear, actionable updates.”

    The organization said that anyone directly witnessing ICE activity can contact the 24-hour San Francisco hotline at 415-200-1548. (Find other hotlines available in Northern California.)

    As a general rule, to be wary of misinformation online, check which organization is posting about apparent ICE sightings, and look for any sources for their information. Keep in mind that users of social media platform X can purchase “blue check marks,” so a blue check alone isn’t proof of reliability.

    Google’s reverse image search can be a quick way to see where a photo has been used on the internet. For example, an image purporting to show a recent “ICE raid” could be, in fact, an archive image from another year entirely. However, keep in mind that Google prioritizes its own AI results at the top of the page. Those results have been proven to sometimes be unreliable, inconsistent and even inappropriate, so it’s best if you actually visit the source through the links provided.

    Read more tips for spotting misinformation online.

    How can I recognize an ICE agent in real life or in a video?

    ICE agents can sometimes wear uniforms or gear that suggests they are police officers or probation officers, according to the American Civil Liberties Union Southern California.

    This can sometimes convince people to let agents enter a home without a warrant. In 2018, several San Francisco police commissioners called on ICE to stop these practices, saying it interfered with local policing.

    ICE agents can also wear civilian clothes or plain dark clothing with a bulletproof vest.

    Police officers, however, usually wear a more specific-looking uniform “with identifying insignias,” ACLU SoCal said.

    Q. What is the difference between ICE and CBP?

    U.S. Immigration and Customs Enforcement, or ICE, and Customs and Border Protection, CBP, are both immigration enforcement agencies within the Department of Homeland Security. ICE conducts enforcement within the U.S. and manages detention and deportation operations. CBP conducts inspections at all U.S. “ports of entry” – at land borders, seaports, and airports. And the Border Patrol, which is part of CBP, polices the land borders in between the official ports of entry.

    ICE and CBP officers generally need an administrative warrant (signed by an ICE or CBP supervisor) in order to arrest a person. However they can make an arrest without a warrant if they see a person illegally entering the country, or they have “reason to believe” a person is here illegally and likely to escape before they can get a warrant.

    You have more protections if the encounter happens when you are in your home. Under the Fourth Amendment, if ICE or CBP agents (or any law enforcement officer) comes to your door and wants to enter your home, they either need to present a warrant signed by a judge (not just an administrative warrant from their agency) – or they need your consent. Agents could also technically enter without permission if they report hearing an emergency happening inside the home.

    If you don’t want the agent to come in, legal advocates say, you don’t have to open the door unless the agent shows you a judicial warrant. (Advocates suggest asking the agent to slide the warrant under the door or hold it up to a window where you can read it.)

    Similar to ICE, CBP officers may have “police” written prominently on their uniform. “U.S. Customs and Border Protection” may be written on their sleeve or on their back.

    Federal law grants additional powers to CBP within a wide border zone that the government has defined as 100 air miles from an “external boundary” of the U.S. Within that zone – which covers most coastal cities in the country, including San Francisco – CBP agents can stop and question people, and board vessels, buses and trains to search for unauthorized immigrants without a warrant.

    That said, you do still have constitutional protections, including the right to remain silent so you don’t say something that could incriminate you. Immigration officers cannot detain you without “reasonable suspicion” of a crime, and they cannot search you or your belongings without “probable cause” – unless you give your consent.

    KQED’s Tyche Hendricks and Samantha Lim contributed to this article.

  • L.A. exceeds a mark set in 1983, with more to come
    Houses line flooded streets, with the ocean sparkling beyond.
    Tidewaters flood businesses and homes along Pacific Coast Highway in Orange County's Sunset Beach.

    Topline:

    Los Angeles has handily broken its record for most days of coastal flooding in a year. And that’s without including October in the tally and with a wet El Niño winter ahead — a worrying sign for coastal homes and infrastructure.

    The record: The number of days of coastal flooding observed at NOAA’s tide gauge in San Pedro are the highest recorded since observations started being taken in 1923. The previous record was set at nine in 1983, during another El Niño event.

    What's ahead: An oceanographer couldn’t say with certainty when flooding might occur next. She noted that high-risk times ahead coincide with Thanksgiving and Christmas.

    Why? Around then, the moon will be at its closest point to the Earth. The stronger gravitational pull from the moon causes what are commonly known as king tides, a nonscientific term for the highest predicted tides of the year.

    Read on ... for more about the record high tides and flooding.

    Los Angeles has handily broken its record for most days of coastal flooding in a year. And that’s without including October in the tally and with a wet El Niño winter ahead — a worrying sign for coastal homes and infrastructure.

    Researchers can’t yet project how many more days of flooding we’ll have in 2026 — but we’re already well ahead of what the National Oceanic and Atmospheric Administration’s models had forecast up to this point.

    NOAA oceanographer Karen Kavanaugh said models had predicted three to six flood days between May 2026 and April 2027. Those models took El Niño and sea level rise into account. She said that there have already been nine flood days in that window and added that the 12 flood days so far in the calendar year are “abnormally high.”

    The number of days of coastal flooding observed at NOAA’s tide gauge in San Pedro is the highest recorded since observations started being taken in 1923. The previous record was set at nine in 1983, during another El Niño event.

    When might we see more flooding?

    Kavanaugh couldn’t say with certainty when flooding might occur, but noted that high-risk times ahead coincide with Thanksgiving and Christmas. Around then, the moon will be at its closest point to the Earth. The stronger gravitational pull from the moon causes what are commonly known as king tides, a nonscientific term for the highest predicted tides of the year.

    In addition to these factors, the wide range of events affecting our tides this year, including storms, climate change, El Niño and related Kelvin waves, could very well cause other flooding events or cause the existing ones to become stronger.

    Kavanaugh said a combination of factors — specifically Kelvin waves and astronomical high tides — was exactly what was responsible for the flooding seen this week.

    “That could happen, perhaps, again in November and December if we have another pulse of a Kelvin wave,” Kavanaugh said.

    A man paddleboards with his dog along a flooded street.
    Flooding inundated coastal communities around Southern California this week, including Orange County's Sunset Beach.
    (
    Robert Gauthier
    /
    Los Angeles Times via Getty Images
    )

    How high will the tides be?

    Unfortunately, Kavanaugh said, there’s no way to predict the severity of upcoming king tide events at this moment in time.

    “But as we move closer to an event, there are good models that the National Weather Service uses to forecast flooding,” she added. “But they need it to be within seven days, sometimes shorter timelines.”

    High tide resources

    How to prepare for high tide conditions

    Kavanaugh recommended keeping an eye on National Weather Service reports for the latest information and predictions. (There are separate pages for Los Angeles and Orange counties.)

    Kavanaugh stressed that, given this year's unpredictability so far, people should be as prepared as possible.

    “It's an unusual type of phenomenon to plan for for some communities,” she said. “We're used to planning for a big storm, maybe, and flooding from that, but not planning for, ‘Oh, it's gonna be beautiful sunny weather, and also you might have flooding on the roads.’”

    Kavanaugh also recommended paying close attention to local emergency officials’ guidance and being mindful not to park cars in low-lying areas that could end up being inundated.

    “If [local officials are] asking you to get sandbags or things like that, keep those sandbags because you might need them again in a few weeks,” she said.

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  • Judge orders Trump's ads about GOP, $5000 pulled
    President Trump speaks to reporters after arriving on Air Force One, Friday, at Palm Beach International Airport in West Palm Beach.

    Topline:

    The federal government must pull three taxpayer-funded Trump administration ads that appear to have been made for political or propaganda purposes, including one touting the president’s claim that every American will get $5,000 if Republicans keep control of Congress in the upcoming election, a judge ruled Friday.

    Why now? U.S. District Judge Jennifer L. Rochon in New York sided with a coalition, including the nonpartisan watchdog Common Cause, in ordering the government to take down the advertisements titled “$5,000 to Americans,” “Every Democrat Voted Against No Tax on Tips,” and “Cost of Socialism.” She declined to pull several other ads.

    Why it matters: The plaintiffs sought the removal of at least 13 ads, but Rochon only ordered that the three be pulled, at least for now. She noted that the Government Accountability Office has observed that there are instances when the president’s office is entitled to inform the public of its policies, justify its policies and respond to attacks on its policies. Rochon said the plaintiffs were seeking to restrict the office in ways that were “broad and far-reaching,” and she found herself concluding that the government will ultimately prevail legally with regard to many of the ads.

    The backstory: Rochon ruled during a hearing in which she considered expanding a temporary restraining order she issued two weeks ago, when she banned a series of ads that glorify Trump and echo his political messaging going into the midterms.

    What's next: After Rochon issued the order, she noted that she was doing so on a Friday afternoon and that the government would have no excuse to delay taking them down immediately. A government lawyer acknowledged that he would be able to immediately notify relevant individuals responsible for taking down the ads.

    The federal government must pull three taxpayer-funded Trump administration ads that appear to have been made for political or propaganda purposes, including one touting the president’s claim that every American will get $5,000 if Republicans keep control of Congress in the upcoming election, a judge ruled Friday.

    U.S. District Judge Jennifer L. Rochon in New York sided with a coalition, including the nonpartisan watchdog Common Cause, in ordering the government to take down the advertisements titled “$5,000 to Americans,” “Every Democrat Voted Against No Tax on Tips,” and “Cost of Socialism.” She declined to pull several other ads.

    She said the three ads must be taken off official government websites, including social media sites such as YouTube, Instagram and the like. Rochon also ordered the cancellation of any plans for the airing or distribution of the ads through authorized third parties, including by President Donald Trump’s flagship super PAC, MAGA Inc.

    Rochon was nominated to the court by then-President Joe Biden, a Democrat, and once served as a law clerk for Trump’s sister, the late Maryanne Trump Barry, a longtime federal appeals court judge.

    Responding to the ruling, White House spokesperson Lauren Bis said: “This Biden-appointed activist judge issued a lawless order to stop the administration from sharing patriotic videos.”

    Rochon ruled during a hearing in which she considered expanding a temporary restraining order she issued two weeks ago, when she banned a series of ads that glorify Trump and echo his political messaging going into the midterms.

    The plaintiffs sought the removal of at least 13 ads, but Rochon only ordered that the three be pulled, at least for now. She noted that the Government Accountability Office has observed that there are instances when the president’s office is entitled to inform the public of its policies, justify its policies and respond to attacks on its policies.

    Rochon said the plaintiffs were seeking to restrict the office in ways that were “broad and far reaching” and she found herself concluding that the government will ultimately prevail legally with regard to many of the ads.

    The White House has defended the ads as public service announcements akin to what past administrations have made to promote various policies. But the recent ads differ from many past public service announcements because they don’t try to help the public benefit from specific government programs, according to the plaintiffs.

    After Rochon issued the order, she noted that she was doing so on a Friday afternoon and that the government would have no excuse to delay taking them down immediately.

    A government lawyer acknowledged that he would be able to immediately notify relevant individuals responsible for taking down the ads.

    “Everyone is here. Everyone can hear my order. No one is at the theater,” the judge quipped in a reference to excuses offered by government lawyers when her recent order, issued over a weekend, wasn’t immediately obeyed.

    Rochon said irreparable harm could result to the plaintiffs if she didn’t ban the ads while the court case proceeds, though she noted that she could reverse herself and restore the ads or ban additional ads after hearing more evidence in the coming weeks.

    “This court can neither postpone an election nor turn back the clock,” Rochon said after concluding that the plaintiffs were likely to succeed on their claims regarding the ads and would suffer harm if they were not taken down.

    “This temporary restraining order will stop the administration’s wanton disregard for the law while the court hears the full case,” said Bradley Girard, a lawyer with Democracy Forward. “Congress has made clear that partisan ads cannot be funded with taxpayer dollars, and we are proud to work with this coalition to earn today’s result.”

    In court papers, the coalition’s lawyers wrote that Congress did not appropriate funds to the president’s office “to run a PR shop to help the President’s allies and attack his perceived ideological opponents.”

    Assistant U.S. Attorney Jeffrey Oestericher wrote in response to the plaintiffs that there was nothing wrong with White House staff compiling advertisements to “inform the public about his policies and to rebut attacks on those policies and his Administration.”

    ___

    Associated Press writer Michael R. Sisak contributed to this report.

  • Veteran's are facing increased mortgage rates

    Topline:

    Thousands of military veterans with VA-backed mortgages have been hit with higher interest rates and monthly payments since last year, when the Trump administration shut down a low-interest program designed to help them.

    The backstory: Lenders offer loan modifications to enable homeowners to catch up on missed payments. It involves changing the loan terms, and for the vast majority of Americans, it either lowers their payment or keeps it the same, depending on what they can afford. But that's not the case for VA loans, since the VA abruptly ended the program. NPR found that 63% of veterans who received a loan modification were hit with a payment increase, compared with just 2% for modifications of loans guaranteed by the government-sponsored enterprises Fannie Mae and Freddie Mac, which cover most of the U.S. mortgage market.

    Read on... for more on veterans are being affected by the move.

    Thousands of military veterans with VA-backed mortgages have been hit with higher interest rates and monthly payments since last year, when the Trump administration shut down a low-interest program designed to help them.

    Among veterans who had their loans modified after a financial hardship, more than 15,000 saw their monthly payments increase by at least $150, according to an NPR investigation that obtained previously unreported data from the Department of Veterans Affairs.

    Loading...

    More than 700 veterans suffered payment increases of $1,000 or more.

    Lenders offer loan modifications to enable homeowners to catch up on missed payments. It involves changing the loan terms, and for the vast majority of Americans, it either lowers their payment or keeps it the same, depending on what they can afford. But that's not the case for VA loans, since the VA abruptly ended the program.

    NPR found that 63% of veterans who received a loan modification were hit with a payment increase, compared with just 2% for modifications of loans guaranteed by the government-sponsored enterprises Fannie Mae and Freddie Mac, which cover most of the U.S. mortgage market.

    Loading...

    "This is the height of insanity," said California Democratic Rep. Mark Takano, the ranking member of the House Veterans' Affairs Committee, after NPR shared its findings.

    "These are veterans that are already financially distressed — they were already in trouble," he said.

    Veterans like Scott Boyd are literally paying the price.

    When Boyd was a teenager, his dad died of cancer. He said he saw the military as a clear path to start helping his family.

    "My mom signed paperwork when I was 16," Boyd recalled. "I'm like, 'I'm sending my checks home to take care of my mom.'"

    He started out in the infantry and saw combat. Later, Boyd worked in Army intelligence in some dangerous places. When he got out in 2002, he had skills that set him up for a career in tech. In 2021, he bought a house near Columbus, Ohio, using a VA home loan. Like other buyers at the time, he got a nice low-interest rate. "I felt very blessed," he said.

    But a few years later, Boyd hit a crisis: He lost his job in a mass layoff, and he said his time in combat came back to haunt him in the form of PTSD. He checked himself into the Dayton VA hospital for treatment but fell behind on his mortgage.

    The top half of a beige single-family home with a triangular arch featuring two windows. Next to it, a rectangular end with a window divided into four squares. The roof is a dark color.
    Boyd and thousands of other veterans were pushed into much-higher-cost modified home loans. Hundreds are paying at least $1,000 more a month.
    (
    Maddie McGarvey for NPR
    )

    Most Americans can get help in a situation like this. Mortgage companies don't want to foreclose because both they and the homeowner experience losses. So they have levers they can pull to help people who've fallen behind on payments.

    Boyd's lender told him that he didn't have to worry because the VA had a loan forbearance program that would allow him to pause his payments and provide him with an affordable way to catch up after.

    "I later found out that wasn't true," he said.

    It wasn't true because the Trump administration then shut down a key part of the VA's home loan program. It was called the Veterans Affairs Servicing Purchase (VASP) program. Without it, vets like Boyd were stranded with no option but a much-higher-cost modified home loan at today's higher interest rates.

    In Boyd's case, he is now stuck paying $1,181 more — every month.

    "This is outrageous," said Boyd. "I remember just thinking to myself, 'This is just so broken.'"

    Some in Congress agree.

    "The VA home loan program should not be making things worse and more stressful for that veteran, a combat veteran, who's been through hell," said Takano, about Boyd's case in particular.

    A man with a medium-light skin tone, wearing a white blazer, light blue collared shirt and peach tie, speaks at a microphone with the Capitol building in the background.
    Rep. Mark Takano, D-Calif., speaks on Capitol Hill in 2025.
    (
    Rod Lamkey
    /
    AP
    )

    Illinois Republican Rep. Mike Bost, chairman of the House Veterans' Affairs Committee, did not respond to NPR's repeated requests for comment. NPR also reached out to Wisconsin Republican Rep. Derrick Van Orden, a committee member who led the call to wind down the VASP program. He also did not respond to requests for comment.

    The VA said in a statement that it helps thousands of veterans "retain homeownership and/or avoid foreclosure through programs like payment forbearance, loan modifications and individualized repayment plans."

    The VA was warned this would happen

    Before it was shut down, the VASP program was helping tens of thousands of veterans who had fallen behind on their home loan payments by rolling those missed payments into a new mortgage with a low 2.5% interest rate. That made the program a lifeline for vets in today's higher-interest-rate environment.

    And Boyd said his mortgage company had been telling him that he too could use VASP when he was able to resume paying his mortgage.

    " I would constantly ask them, 'OK, this is getting further and further behind,' and they were like, 'You have this last lever to pull.'"

    This was in the spring of 2025, just months into the second Trump administration. Key Republicans on the House Veterans' Affairs Committee vocally opposed VASP, which the Biden administration created after its own VA home loan disaster. Republicans warned that VASP was putting taxpayers on the hook for thousands of loans to vets who had trouble paying.

    "If the Biden version of VASP was allowed to continue, I fear that the home loan will not exist in the future for my fellow veterans," said Van Orden during a House Veterans' Affairs Committee hearing on March 11, 2025.

    A bald man with a white beard and a light skin tone wears a blue blazer, a white shirt and a yellow and blue striped necktie. He gestures at a podium. An American flag is on the left.
    Rep. Derrick Van Orden, R-Wis., speaks in Eau Claire, Wis., on Oct. 20. He is currently in a tight race for reelection.
    (
    Ellen Schmidt
    /
    AP
    )

    But at the same hearing, as well as in letters to Congress and press releases, the mortgage industry and housing groups explicitly warned the Trump administration not to kill the program without first creating another viable option for vets. They said if the VA shut down the program before standing up a replacement, vets would be left with far worse options than other American homeowners. With interest rates up around 7%, they warned that the only option left would be a modified loan at the current higher rates, which would result in foreclosures for those who couldn't afford the higher payments. And that's exactly what has been happening.

    " I was doing the math in my head as they were telling me, you know?" Boyd said about the loan modification he was presented with. "If I'm going from 2.75 to 6.75 … it seemed ridiculous," he said. Not only would that jump in his interest rate boost his payment by nearly $1,200 every month, but his loan term was extended to 40 years. So he went from about half of his monthly payment going toward principal to now more than 90% of his payment going to cover just the interest.

    "This was a foreseeable outcome of abruptly ending a program without a replacement in place," said Matthew Douglas, of the Housing Policy Council. He represents the largest mortgage companies in the U.S. and was among those warning the VA not to kill VASP. Asked about NPR's findings, he said, "It's a mathematical certainty that borrowers are going to have those kind of shocking payment increases." 

    Despite the warnings, the Trump administration ended the VASP program on May 1, 2025 — apparently in coordination with House Republicans, who announced the move before the Department of Veterans Affairs did, even though VASP was ended administratively, with no vote from Congress.

    "We — along with many of our colleagues — had serious concerns about the impact VASP would have on not only the future of VA's home loan program, but the mortgage lending business as a whole. Today, the Trump administration rightfully put an end to VA's VASP program," Bost and Van Orden said in a joint press release at the time.

    In his statement to NPR, VA press secretary Quinn Slaven wrote: "many leading voices in Congress supported the termination of VASP, which put the entire VA home loan program at risk."

    The VA's new program slowly rolls out

    A man in a black T-shirt stands facing a white wall. The wall has several items framed.
    Boyd lives with his partner and her four children, whom they are raising together.
    (
    Maddie McGarvey for NPR
    )

    At the same time Van Orden was calling for VASP to be scuttled, he had written a bill to replace it with a new VA Partial Claim Program (PCP). Congress quickly passed that bill with broad bipartisan support in the wake of the VA scuttling VASP. It directed the VA to create an option for vets behind on payments, enabling them to move their missed payments to the back of their loan term. That way, vets could keep their original mortgage and not be forced into a higher-cost loan.

    But after ending VASP, it took the VA more than 13 months to design and announce the details of the new program, which it did in June of this year. And the industry was then given another 180 days to implement it. Most mortgage companies still do not offer it.

    In that gap, thousands of veterans got modified loans with higher interest rates and payments. The VA's new PCP program won't do anything to help those vets — they'll remain stuck in those modified loans.

    Congress could help

    A man holds a medal in his hand. He has some sort of watch or dark-colored bracelet on his wrist.
    Boyd holds a challenge coin from the Department of Defense that was given to him during his military service.
    (
    Maddie McGarvey for NPR
    )

    NPR asked the VA about the vets who fell into the gap between the two programs. Slaven, the VA spokesman, said in his statement that the VA home loan program "is based on the premise that while Veterans may need some assistance, they must generally be able to make their mortgage payments."

    Industry groups say raising a struggling homeowner's payment makes it more likely for them to redefault and face foreclosure. Foreclosures on VA loans rose to a 10-year high after VASP was killed, according to industry data. Experts warned in a congressional roundtable in September that time is running out for the government to help these vets or a wave of foreclosures is still to come.

    Rep. Takano told NPR that the VA, if it chose to, could put these vets back into lower-cost mortgages or that Congress could pass a law to do it.

    "We could do something for those veterans who saw a jump in their interest rates," Takano said.

    Hanging on to home 

    A man in jeans and a dark T-shirt stands on a green lawn. Trees flank the background.
    Boyd says he feels defeated after receiving worse loan options from the VA.
    (
    Maddie McGarvey for NPR
    )

    Outside Columbus, Ohio, Scott Boyd is still managing to make those higher mortgage payments.

    When he bought the home, he said, it felt like a guarantee of shelter and stability for him, his partner and the four kids they are raising together.

    " I made a commitment, saying no matter what, I want to build a home that is big enough. …  I wanted to get them in better schools and things like that," he said.

    He was even able to help when his father-in-law became ill recently; they moved him into the finished basement, where he got home hospice care.

    So when he was presented with the terms of that loan modification, he had not only kids in the house but his dying father-in-law too. He'd just gotten back on his feet financially and was being told his options were the loan modification or foreclosure.

    "My job was still new, and that still felt shaky. … My PTSD was shaky. … It seemed like the right thing to do was just to take the modification," he said.

    Two weeks after Boyd signed the loan modification, the VA launched the new Partial Claim Program that would have allowed him to keep his original loan terms with the same monthly payment and low 2.75% interest rate. It took two more months before the first mortgage company offered vets access to the PCP, and most of the industry is still working to stand up the program before the deadline that the VA gave it of Nov. 28.

    Boyd said that he doesn't often talk about his service and that he doesn't feel entitled to be treated better than any other American. But he did not expect the VA to give him worse options than those of people who never served.

    " I really felt hurt more than anything. I wasn't angry. I was just like, I felt so defeated," Boyd said.

    "Everything that I've done for this country and the things that I've been through, the things that I've seen, the things I've had to deal with … it's come down to, 'Yeah, I'm sorry — it's not in our systems yet. … There's nothing we can do about it.'"
    Copyright 2026 NPR

  • Various groups say they've seen increased activity

    Topline:

    In the weeks ahead of the midterms, various cities and states across the country are reporting a notable rise in ICE activity, according to reports gathered by NPR and its member stations.

    What authorities said: NPR wrote to the agency to ask if there has been a recent surge. It responded: "ICE agents uphold our nation's immigration laws in all 50 states, seven days a week, 24 hours a day." And yet NPR and its member stations have received tips from rural Illinois, Oregon, Detroit and California about surges in ICE enforcement throughout October.

    The impact: Weiser of the Brennan Center says there's no indication the raids are affecting turnout. On the contrary, she says there has been a surge in early voting in minority communities across the country. "The good news is: it isn't working. Americans are tuning this out and we are not seeing a significant impact on participation. And we are actually seeing huge surges in participation in communities of color, and in Latino communities, and in all the communities that have been targeted by ICE and DHS."

    Very early on Wednesday morning, Dover, N.J., Councilwoman Sandra Wittner started getting messages about immigration agents. A dozen or more were gathering outside a Walgreens, according to the messages she was getting. Throughout the day, neighbors in north New Jersey saw a spike in Immigration and Customs Enforcement activity.

    And New Jersey is not alone. In the weeks ahead of the midterms, various cities and states across the country are reporting a notable rise in ICE activity, according to reports gathered by NPR and its member stations.

    "The tactics that the administration has been deploying in communities really appear to be designed to try to intimidate voters," says Wendy Weiser of the Brennan Center for Justice at NYU Law School. Despite that, early turnout is surging.

    "There was definitely a lot of apprehension and fear," Wittner recalls. "We just really weren't sure if something huge was about to happen. People were not feeling very comfortable or safe."

    Wittner is not sure who was detained or where, which is unsurprising: these days it's difficult to report on ICE crackdowns as they happen, because the Department of Homeland Security no longer publicly shares timely information on its operations.

    NPR wrote to the agency to ask if there has been a recent surge. It responded: "ICE agents uphold our nation's immigration laws in all 50 states, seven days a week, 24 hours a day."

    And yet NPR and its member stations have received tips from rural Illinois, Oregon, Detroit and California about surges in ICE enforcement throughout October.

    An official within New York Mayor Zohran Mamdani's office who was not authorized to speak publicly confirmed that they have noted a surge in ICE activity in the city.

    "We're certainly witnessing an uptick in activity, and have been since the summer," says a member of a volunteer group of neighbors in New York. She asked that NPR not use her name, as she is worried about retaliation. Her group goes to the scene where an ICE operation is happening, documents it, reminds those being detained of their rights, and alerts neighbors.

    "In the past few weeks we've seen numerous large operations, or what we call cluster raids, multiple agents going to one spot and then the next," she said.

    On the other side of the country, Oregon Public Broadcasting reporter Troy Brynelson has reported on a similar trend. "What we were seeing in early October and what we've seen continue, at least anecdotally throughout this month, is that ICE activity has really picked up in Portland." Brynelson says it seems to be concentrated in commercial areas. "I'd say it's a noticeable uptick compared to what we've seen over the summer."

    Juan Proaño of the League of United Latin American Citizens (LULAC), a civil rights organization, says he's concerned because this is happening so close to the midterm elections. "It's not about ICE at the actual polling station, it's ICE at the perimeter of the polling station," he says.

    "Mass enforcement actions could be away from the polls, but with social media and the news, it could be enough to dissuade somebody from actually going out to vote."

    Weiser of the Brennan Center says there's no indication the raids are affecting turnout. On the contrary, she says there has been a surge in early voting in minority communities across the country. "The good news is: it isn't working. Americans are tuning this out and we are not seeing a significant impact on participation. And we are actually seeing huge surges in participation in communities of color, and in Latino communities, and in all the communities that have been targeted by ICE and DHS."

    Even so, she says that intimidation at the polls is illegal, and should be reported.
    Copyright 2026 NPR