The Brief

Green-card holders no longer qualify for loans from the Small Business Administration, eliminating a longtime source of financing for immigrants that advocates say will discourage job creation and harm the economy.

The SBA limited access to its loans to U.S. citizens and nationals only starting in March, and expanded that policy to SBA-backed loans beginning in April. On top of that, any business that’s even partly owned by a permanent legal resident with a green card is no longer eligible for the loans.

California — which has the most small businesses and the largest immigrant population in the nation — could be most affected. SBA loans have been important to immigrant entrepreneurs because they typically are low-interest and available to those without an established credit history. The agency has also backed loans by private funders, providing a government guarantee for people banks may deem riskier. Now, all those loans are off the table for owners and would-be owners of restaurants, bake shops, law practices, medical clinics, taxi medallions, nail salons and more who hold green cards.

Small business owners are responsible for 99% of net new jobs in the state, according to the California Office of the Small Business Advocate. Immigrant entrepreneurs make up 40% of the state’s business community and generated $28.4 billion in income in 2023, according to GO-Biz, the governor’s office of business and economic development.

Small Business Majority, a national business advocacy group, wrote to the SBA in mid-March, urging the federal agency to reconsider the changes. The letter, signed by dozens of state and national groups and chambers of commerce, called the new policies "a misguided approach that ignores critical economic data underscoring the job creating power of the immigrant community."

The SBA has a limited lending capacity, said Maggie Clemmons, a spokesperson for the agency. “The agency’s rule change will help ensure more American citizens have access to funding previously granted to noncitizens,” she said in an email.

The SBA approved 3,358 loans for small businesses owned partly by a lawful permanent resident in fiscal year 2025, largely during the Biden administration, Clemmons said. That represented 4% of the 85,000 loans approved by the agency.

In California, the changes could affect about 220,000 small business owners who hold green cards, said Carolina Martinez, chief executive of CAMEO Network, a national association of organizations that support small businesses.

“The most important thing for us is to really understand that this SBA decision… is really bad for the American economy,” Martinez said.

Pursuing the American Dream

Cristina Foanene, a Romanian immigrant who arrived in the United States 20 years ago, was a green-card holder when she obtained an SBA loan in 2018 that allowed her and her husband to buy a building and expand their glass company, MCS Glass, in Fresno. They now have 30 employees.

“The loan gave us an opportunity to create more jobs, to have an even greater impact in our community,” Foanene said. Their goal is to manufacture more products and create more positions, she added.

She said she doesn’t know where the business would be today without the SBA loans they received over the years. They just signed their third loan last month, Foanene said, their first as American citizens.

She called herself loyal to this country and said she’s sad that others like her may not have the same opportunities to pursue the American Dream by securing SBA loans while “respecting the laws.”

“It literally breaks my heart,” Foanene said. “There are so many good people with good intentions. I feel it’s unfair.”

Other entrepreneurs or independent contractors also lose a possible safety net that SBA loans once provided.

“During the pandemic, these loans were crucial to people’s survival,” said Dung Nguyen, program and organizing director for California Healthy Nail Salon Collaborative, an organization that advocates for Vietnamese immigrants, many of whom work in the nail-salon industry. The group signed the Small Business Majority’s letter to the SBA.

Nguyen said the nail-salon workers and owners who took out those loans during the pandemic are still paying them back.

‘A new kind of status’

Kenia Zamarripa, spokesperson for the San Diego Regional Chamber of Commerce, which also signed the letter to the SBA, said this latest policy change is another example of how immigrants are more vulnerable as federal funds for other programs have been taken away. Her group and others are pushing for immigration reform that includes a standardized path to citizenship, she said.

“This is a community that’s doing things the right way, looking for a legal path,” she said. “It’s like you’re punishing them for doing the right thing.”

The SBA changes push green-card holders to “informality,” Zamarripa said. “What’s next? What other resources will be taken away? How else will immigrants continue to be targeted?”

Others echo that concern.

“This dialog is really challenging our concept of what undocumented means,” said Gabriela Alemán, a spokesperson for Mission Asset Fund, a San Francisco organization that supports and lends to small business owners. “These are community members that are now being pushed into a new kind of status.”

Mission Asset Fund’s lending circles — modeled after the Mexican community-based lending practice called tandas — can provide up to $2,500 in loans to small business owners. The group just got its California lenders’ license and will eventually be able to provide larger loans, Alemán said.

But it will be tough for groups like it to fill the gap left by the SBA’s new policies for permanent legal residents who may want to start or grow their businesses.

“There are not any other options at this scale (that the SBA provides),” said Brian Kennedy Jr., entrepreneur ecosystem director at AmPac Business Capital, a Los Angeles-area community development financial institution and SBA partner. “We’re talking about $35,000 up to $30 million.”

What’s next

Many small business owners already use — and may increasingly rely on — community development financial institutions and other lenders whose mission is to help people with limited options, credit histories and savings.

They could also turn to the state for help. State-funded options include a small business loan guarantee program through its IBank, and programs through the treasurer’s office that reduces risks to lenders by pledging state funds as collateral, or contributing to loan-loss reserves.

Microenterprise Collaborative of Inland Southern California works with lenders, technical assistance providers and community partners to help small business owners in Inland Southern California.

Pamela Deans, the group’s executive director, said the SBA’s policy change will alter how the organization refers entrepreneurs to sources of capital. Rather than pointing them to “a relatively straightforward” SBA process, she said the group will have to inform them of a more fragmented set of options and warn them about predatory lending.

“Many of these would‑be owners will have a much harder time piecing together enough safe, affordable capital to lease a space, buy equipment or cover early working capital — so the taquería, the child care business, the trucking startup may never open in the first place,” Deans said.

Bianca Blomquist, California director for Small Business Majority, also is concerned about small business owners turning to unscrupulous lenders. She said her group found out recently that an owner of a child care business in downtown L.A. took out a $10,000 loan at what she thought was 13% interest. It was actually closer to 250%.

Other advocates are hoping philanthropy and impact investors will step up and make more capital available to small lenders.

“Women, entrepreneurs, immigrants and communities of color always have had to think outside the typical paths,” said Leticia Landa, executive director of La Cocina, a small business incubator in San Francisco. “I do hope, especially in California, that we’re going to come up with something.”

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

A slew of Medicare Advantage plans are disappearing for next year, leaving seniors in many areas with fewer options. In 193 counties across the country, no plans are offered at all.

Medicare's annual open enrollment period kicked off October 15 and runs until December 7, and seniors enrolled in those privatized Medicare plans that are closing in certain markets should carefully review their options.

Medicare Advantage means private insurers run Medicare for older Americans who choose it over traditional Medicare, where the federal government itself administers the program. More than half of the 70 million Americans in Medicare choose Medicare Advantage. It's popular because it covers services like vision and dental, often with lower premiums than traditional Medicare. It also often folds in the "Part D" drug benefit, simplifying that decision.

But a downside of Medicare Advantage is that companies can pick and choose where they offer plans. If a certain community is not profitable, a company can leave that market. And that has been happening on an increasingly large scale the last three years, according to research published in JAMA.

Who is affected

Big swaths of rural America are losing Medicare Advantage choices and so are some major metro areas.

Last year, 2.9 million seniors were in Medicare Advantage plans that closed up shop, according to JAMA. This year, an analysis of insurance company announcements by An Arm and A Leg podcast, shows at least 2 million people will be affected. Other preliminary estimates range from 3.2 million to 5 million seniors. About 35 million people are enrolled in Medicare Advantage.

According to an analysis of federal data by the health policy research organization KFF, the 193 counties that will have zero Medicare Advantage plans are mostly rural. Last year that number was about 120 counties without a plan offered.

KFF's numbers also show that there will be far fewer plans offered in some metro areas. Dallas, Minneapolis, Seattle, Houston and Portland all have between a quarter and a third fewer Medicare Advantage plans for seniors.

What happens next

If your plan is ending, and you don't choose another, the insurance company will assign you to another Medicare Advantage plan or the government will enroll you in traditional Medicare — but without a supplemental or drug plan.

If you want to switch from Medicare Advantage to traditional Medicare and your plan is ending, you can enroll in a Medicare supplemental plan — also known as Medigap — without the same restrictions that you would normally have. If you have a pre-existing condition that has prevented you from enrolling in Medigap before, that could be good news.

Another wrinkle this year is that insurance companies can cap enrollments on some of the Medicare Advantage plans that they do offer.

Which means: If you wait to sign up, a plan you want might already be full.

The companies are supposed to enroll people on a first-come, first-serve basis — and not cherry-pick customers based on health conditions, age, or demographics.

Another reason not to delay is that with so many people on the hunt for new plans, it may take longer than usual to get help.

How and where to find help

Here are some tips for navigating Medicare open enrollment this year:

• Find out if your plan is still offered: First, check your mail. Medicare Advantage plans that are closing should have sent letters the first week in October. You can also log in to your account on Medicare.gov to check your plan's status for next year.
  
• Try calling your SHIP: There's a State Health Insurance Assistance Program — known as a "SHIP" — in every state to help seniors with Medicare. The name's not easy to remember or particularly descriptive, but it's free, mandated by the federal government, and the staff and volunteers are required to give you unbiased information on all available options. Find your state in the directory at shiphelp.org. Your county may have a specific number that you can find on your state's SHIP website.
  
• Look for local Medicare counseling services: Friends, family, leaders at your place of worship, and the constituent services of your local elected officials may have the scoop on where you can get one-on-one help. The nonprofit Medicare Rights Center also has a national helpline, and a well-organized library of online guides.
  
• Brokers can be helpful, but be savvy: You want a broker who's going to talk with you about all your options — including switching to traditional Medicare and a supplemental plan. Ask if they sell plans from all available insurance carriers. And ask if they answer questions about your plan year-round, because insurance never stops being confusing.
  
• Double check what you see on Medicare.gov: Medicare's Plan Finder allows you to search plans online. But lists of doctors and drugs that are covered can sometimes be wrong. To be safe, double check with your doctor's office or a SHIP counselor, broker, or other Medicare assistor.
  
• Don't share your personal information with services you find online: Be careful where you share your personal information like your phone number. Some online agencies will sell your information, leading to spam calls and potentially even scam artists.
  
• Be mindful of the deadlines: Open enrollment for Medicare runs October 15, 2026 through December 7, 2026. The coverage starts January 1, 2027. If your plan is ending, you qualify for a "special enrollment period" to give you a little more time — until February 28, 2027. (For coverage that starts January 1, 2027, enroll by December 31.)

Emily Pisacreta is the senior producer for An Arm and a Leg, a podcast about the cost of healthcare produced in partnership with KFF Health News and distributed by KUOW, Seattle's NPR member station. 

Copyright 2026 NPR

Federal prosecutors sent letters to county registrars across California on Friday demanding that local officials set aside and verify ballots that the Department of Justice said may belong to noncitizens, according to the Los Angeles County registrar and a letter obtained by The Associated Press.

The letters are the latest escalation in a legal battle between California and President Donald Trump’s Department of Justice, which has recently focused on the state in its efforts to root out noncitizen voting ahead of the midterm elections. Data shows illegal voting by people who aren’t U.S. citizens is incredibly rare, difficult to prove and has not been shown to change the outcome of races.

Earlier this month, the federal government targeted Los Angeles County and the California Secretary of State’s office in a lawsuit that aimed to block them from counting the votes of roughly 20,000 people who are “likely” noncitizen voters. A hearing on the case is scheduled for Tuesday.

The Trump administration asked the 9th Circuit court of appeals to rule on the lawsuit barring a decision from the district judge assigned to the case. They set a deadline for Saturday.

Now, according to the LA County registrar’s office, at least 18 counties across the state have received similar letters. They have been given a 48 hour deadline to provide identifying information corresponding with ballots that the federal government believes were sent to noncitizens illegally registered to vote. The letter requests that county officials also sequester any ballots where citizenship cannot be verified.

“Any election official who knowingly processes the ballot of a noncitizen is opening themselves to legal jeopardy,” said First Assistant U.S. Attorney Bill Essayli.

The Justice Department is asking counties to send information about the voters it suspects are noncitizens including social security numbers, ID information, a copy of their registration and more.

That information can help the government and state quickly assess each person suspected of illegally registering to vote, said the letter sent to San Bernardino County voting officials. The letter says the government’s list of suspected noncitizen voters includes 1,133 people from the inland Southern California county.

California’s secretary of state and the Los Angeles County registrar have opposed the federal government’s demands. In legal filings, lawyers for California say the request threatens to delay the certification of the vote and undermine the legitimacy of the November midterms. They have also argued that the federal government’s data is unreliable and that their demands risk disenfranchisement of citizens.

Voting is underway in California, with the state’s more than 23 million registered voters receiving ballots in the mail earlier this month. The state said in legal filings that over 330,000 mail-in ballots have already been counted.

The letters on Friday came on the heels of statewide sweep by federal authorities earlier in the week, where 28 people from the list of 20,000 were charged with illegally registering to vote. Some were also charged with illegally voting and lying on naturalization paperwork. Those charges could lead to years in prison.

The California State University faculty union is asking its members to authorize a strike, as negotiations with the California State University system remain stalled.

This summer, the California Faculty Association declared an impasse after 16 months of negotiation with the CSU. The union’s president said university officials negotiating with the union have “not been honest agents.”

If a majority of members approve the strike authorization, voting from Oct. 26 through Nov. 19, CFA leadership would be authorized to call a strike.

The union, which represents 29,000 professors and other university employees, is seeking salary increases, changes to faculty workloads and protections related to the use of artificial intelligence.

In recent weeks, CSU has reached tentative agreements with three unions: the Statewide University Police Association, the United Auto Workers Local 4123 and Academic Professionals of California. Together, the agreements cover 14,000 university employees.

The tentative agreements, which must be approved by union members and CSU’s Board of Trustees, include an 8% salary increase over two years, along with one-time raises negotiated by each bargaining unit.

It can be tough to be tall. I am 6 feet, hear me out.

And yes, complaining about being able to see over a crowd may sound silly. But height can be a love-hate relationship for many people, particularly towering women and children who feel like they just don’t fit in.

Well, that’s where a worldwide social club for tall people comes in, but whether it’ll reach its 100th birthday is in question.

Tall Clubs International is an organization spanning more than a dozen states and several countries that offers tall adults a chance to connect and commiserate. The original chapter, founded in Los Angeles in 1938, is called the California Tip Toppers.

To get into the L.A. group, men have to be 6 feet 4 inches or taller, and women have to be at least 6 feet. One of the tallest members of the organization is 7 feet 2 inches, and honestly, I couldn’t help but perk up at the opportunity to feel short for once in my life.

At 13, I was still growing at 5 feet 10, towering over almost every kid in my freshman high school class. One of the first questions people still ask me is whether I played volleyball or basketball, and I’ve learned to laugh at the look they get when I say I preferred theater.

“People see how tall you are, they expect ‘Oh, you're going to be great on the basketball court,’” said Michele Cripps, a 6-foot-1 member of the California Tip Toppers, who joined in 1996. She's married to William Walter Wiseman II, a fellow member. “Well, I'm sorry, white girls can't jump sometimes, and I'm one of them.”

Some of the tall club members are generational, encouraged to join by their parents or older relatives, which has started to pose its own problems as the chapters get older.

What’s the big deal anyways?

William Walter Wiseman II and Michele Cripps at the 2026 Tall Clubs International convention in Hollywood.

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Courtesy Michele Cripps and William Walter Wiseman II

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The chapters became a way for tall people to trade practical tips, like which stores sold pants that actually covered your ankles or shoes that didn’t need to be specially made.

“I was always being kidded about my pants being too short or my clothes not fitting correctly,” said Wiseman, who's nearly 6 feet 9 and also wasn’t much of a basketball player. “And as I grew as an adult, people are a little bit afraid to approach people that are tall.”

Wiseman has a good sense of humor about his height, cracking jokes that I’ve added to my arsenal when answering “how’s the weather up there?” But he doesn’t gloss over the pain points either — Wiseman can’t fit into cars or roller coasters, hotel beds are never long enough, and airplanes can be an expensive nightmare.

“It's not just the socialization of being tall, but it's also the physicality of it,” he said. “It's almost a handicap to be tall.”

Members of the Tall Club of Orange County at the 2026 convention.

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Courtesy Michele Cripps and William Walter Wiseman II

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Cripps said she was a skinny kid, but she couldn’t help but feel “huge” growing up a head above everyone else, which hurt her young self-esteem and made dating more difficult.

The clubs gave them both a chance to see eye to eye with a room full of people for the first time, and potentially even find a partner. Wiseman’s parents met in the Dayton Altitudians tall club in Ohio, decades before Wiseman and Cripps met through their own California clubs.

“The people that married inside the club stayed married,” said Wiseman, who lives in Torrance with Cripps. “The people that married outside of the club got divorced.”

A Dayton Daily News clipping of William Walter Wiseman II's father measuring tall teens in the Dayton, Ohio area from November 19, 1958. 

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Courtesy William Walter Wiseman II

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Future of the club in question

But now, the California Tip Toppers is having trouble bringing in new, younger members — a recruitment crisis that’s essentially dissolved groups in other areas, Wiseman said.

Members of the California Tip Toppers at the 2026 convention.

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Courtesy Michele Cripps and William Walter Wiseman II

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“We're facing the same challenges like all other clubs,” Cripps and Wiseman said, jumping in to finish each other’s thoughts. “Some of it could be generational. Some of it's that since COVID, the clubs have not been quite as active as they used to be. Some people [don’t have] homes to open up anymore … and we're all getting older.”

The club is at a crossroads: Get new members on board or fade away. The couple seems to have made it a mission to rejuvenate the California Tip Toppers, but Cripps was frank when she said they’re not sure how to get more people involved, whether it's fresh events or outreach opportunities.

At the end of the day, they’re hoping the club and the community it fosters can help others learn how to “stand tall” and be proud.

The clubs crown a new Miss Tall International at a formal pageant held during the annual convention. The former Miss Tall Clubs International that were at the 2026 convention from left to right: Susan Hopkins, 2019, from the Tall Club of Orange County, Martine Whitford, 1959, from the Los Angeles Higher Ups, Norma Forrest, 1996, from the Tall Club of Toronto and Mary Eleman, 2022, from the Central Arizona Tall Society.

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Courtesy Michele Cripps and William Walter Wiseman II

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Members of the Tall Clubs International convention committee.  From left to right: Barry Umbs from Milwaukee, William Walter Wiseman II from the California Tip Toppers, Jim Nelson from the Paramount Tall Club-Chicago and Michele Cripps from the California Tip Toppers.

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Courtesy Michele Cripps and William Walter Wiseman II

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“It’s a challenge, but it’s something that was given to us,” Cripps said. “I say as I've aged, I should have listened to my mother, I should have stood up tall.”

Moms everywhere, mine included, rejoice.

“Everybody wants to be something different than they have,” Cripps continued. “So, try and embrace what you have. Life is too short, and it goes too quick.”