apfelkuchen mit haferflocken ohne mehl | alameda county eviction moratorium 2022
Housing is Key is the State of Californias COVID-19 housing relief portal. ALAMEDA CITY HALL LAWN CONVERSION PROJECT, No. Each application is evaluated and prioritized based on those most at risk of homelessness, including small landlords. The Oaklandside relies on reader support to remain free for everyone in our community. constructing Were journalists for Oakland. Under these protections, landlords cant file an eviction without first trying to get rent relief for the tenant. He said he tried unsuccessfully to sell the building, his only rental property, but the prospective buyer only wanted it if the renters left. For more information on the Alameda County Eviction Moratorium, please visit theAlameda County Housing and Community Developmenthome page. Alameda County Housing Secure is a collaborative of legal service providers partnering to prevent the displacement of our vital community members throughout Alameda County. The 60-day countdown to expiration began February 28 and expires as of April 29, 2023. To learn more about how we use your information, please read our privacy policy. Please contact Rico Fenix at the Alameda City Attorney's Office by phone at 510-747-4775 or by email atrfenix@alamedacityattorney.org. The federal eviction moratorium was in place until August 2021, and the states eviction protections ended in June 2022. This means that starting Sunday, April 30, tens of thousands of The eviction moratorium is set to end 60 days after the county's COVID-19 emergency health order expires but it's unclear when the Board of Supervisors might discuss ending the order. The local and state COVID-19 emergency rent assistance programs still have funds available, and renters and landlords are encouraged to apply. In the meantime, we are deploying almost $5 million in emergency foreclosure prevention money to landlords, said Starratt. The dashboard below gives a snapshot of the programs progress to date. <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 24 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> However, the moratorium ordinance provided that it would remain in place until 60 days after the lapsing of Alameda Countys COVID-19 health emergency. Get Morning Report and other email newsletters. Louis Hansen covers housing issues for the Bay Area News Group and is based at The Mercury News. 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Up-to-date information can be found on theEast Bay EDA website. The states most powerful landlord group, the California Apartment Association, on Thursday sued Alameda County to end its broad eviction moratorium. The Alameda County moratorium, enacted in March 2020, is one of the few surviving protections in the state. As for local law, the City Council has adopted a number of tenant protections that expire a specified number of days after the City Council lifts the local emergency. The council meeting, which went on past midnight, ended with the council voting 7 to 1 to phase out the eviction moratorium starting July 15. Q: Can I be evicted for"nofault,"suchas an owner move-in?A:No. Im one of the lucky few, but so many people I know have been affected by eviction threats and illegal rent increases, Oakland tenant Annemarie Garcia told The Oaklandside. 4 0 obj Q: Are there any programs to help commercial tenants pay rent?A: While many assistance programs are no longer available, there are still business loans and grants available for eligible Alameda businesses. Housing | The Alameda County eviction moratorium prohibits most evictions in Alameda County and will end 60 days after the Public Health Emergency Order ends. The legal protection from the financial distress declaration and paying 25% of the rent just means that tenants can't beevictedfor nonpayment of rent owed through September 30, 2021. Housing | The landlords in the suit describe loss of income and financial hardships because they have been unable to displace their tenants. Supporters for ending the moratorium in July said they will give needed time to educate tenants and make legal referrals. Members of the Alliance of Californians for Community Empowerment (ACCE) said in a statement they were very concerned about ending the moratorium. Mallory Homewood, Policy & Compliance Counsel, California Apartment Association, Whitney Prout, Policy & Compliance Counsel, California Apartment Association. At the conclusion of Thursdays court hearing Beeler said she will take their arguments into consideration and issue a decision soon. Although Californias eviction moratorium ended last month, many Alameda County tenants are still covered by a local ban that has ignited a growing fight between landlords and county officials. The policy was aimed at Until the Alameda County eviction moratorium expires, which is anticipated to be on April 29, 2023. However, we encourage tenants to regularly check the Alameda County Housing Secure website at ac-housingsecure.org for the most current information about the moratorium. Can I be evicted if I cant pay rent because of the COVID-19 pandemic? Madison Park came under fire earlier in the pandemic for issuing 150 eviction notices for non-payment while the moratorium was in place, though it was during a period of confusion around the requirements of the state law. For their part, property owners say they plan to collect what theyre owed. Alameda County's eviction moratorium ordinance, enacted to protect tenants impacted by the COVID-19 pandemic, ends 60 days after the end of the County health emergency. The state emergency rental assistance program, a $5.5 billion aid package to landlords and renters, stopped accepting new applications in March 31. Tenants were given until December 30, 2021 to pay rent that has not been paid. And here we are in masks, he said, noting that the judge herself had required face coverings after mentioning that previous court hearings had been super-spreaders.. The landlords allege that the eviction bans violate their Fifth Amendment rights by confiscating their property. A second and final city council vote is still needed, and that's expected on May 2. By clicking Sign Up, I confirmthat I have read and agreeto the Privacy Policy and Terms of Service. The current law, set to expire Thursday, says a judge must pause an eviction proceeding if a rent relief application is pending. But to illustrate how landlords have been impacted by the eviction ban, the lawsuit included personal stories of several property owners, who came to the hearing. %PDF-1.7 2023 FOX Television Stations, until MON 5:00 AM PDT, San Francisco Bay Shoreline, High Stakes: Sports Betting in California. Starratt says that in an Alameda County community survey of landlords in fall 2022 and spring 2023, landlords reported that fully 50% of the rent thats owed is owed by tenants who are over-income meaning theyre higher than 80% of area median income. The suit is the second challenge to the countys moratorium, following another suit by local landlords. However, attorneys for the city and county said the state law permitted local jurisdictions to keep their stricter eviction moratoriums, so long as the policies were passed before the state law went into effect. Your donation makes this and all our other local reporting possible. This also means that evictions for non-payment A statewide ban on evictions for non-payment of rent during the pandemic ended April 1. Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window). <> The dashboard shows the total number of applications received, approved, and those still processing; corresponding financial assistance requested and received; average financial assistance paid to each household; and the total funds paid. Enough is enough, she said. Your offices recent calling out of Oakland for seeking to shirk its responsibility over housing Read The rest of California has modernized its tenant protections to reflect the societal progress that has been made. Theyre not considered low-income and they didnt pay their rent during COVID, and that is a problem.. But now tenants are like the owners, and I really have no say in my property anymore. He said that as a single person of color hes faced discrimination trying to rent, himself, so he bought the place to have security and income for retirement. 300. The lawsuit says the policies have caused harm and financial challenges for small property owners like plaintiff John Williams, who ended up in the hospital from the stress of losing the $1,500 monthly rental income from a tenant in his West Oakland duplex and the fear of facing foreclosure. ", Ann McClain told the council: "Three years have passed where rental property owners have been abused, rental owners are owed thousands individually and millions collectively.". WebThe temporary moratorium imposes a ban on evictions for renters, homeowners and those living in mobile home parks throughout Alameda County beginning March 24, 2020 until Oakland and Alameda Countys eviction moratoriums are still in effect News about Californias eviction and rent relief programs has caused some confusion for local Q: I heard that the States eviction moratorium is ending; am I protected under local law?A:Under the States COVID-19 rental protections tenants cannot be evicted if, due to COVID-19 financial distress, they cannot pay rent that came due during the covered periodMarch 1, 2020 until September 30, 2021. You must give your landlord a financial distress declaration (download the declaration athttps://bit.ly/32W0XRp) every time you receive a notice to pay rent and are unable to pay. However, state law contains explicit language preempting local control in this area. Natalies reporting has also appeared in The J Weekly, The San Francisco Chronicle and elsewhere, and shes written about public policy for a number of research institutes and think tanks. To learn more or apply, go to RenewAC.org, or contact Habitat for Humanity East Bay/Silicon Valley at (510) 803-3388 or HomeRepair@HabitatEBSC.org. Its a little odd, at this stage in the pandemic, to have an ordinance with no end date, she said. Related Articles Click here to learn. Alameda Countys moratorium which applies in both unincorporated areas and within cities in the county currently bans all evictions except those necessary to either address an imminent threat to health or safety, comply with a government order, or remove rental units from the market under the Ellis Act. The 2022-23 budget included the $40 million base allocation for the EAF, as well as funding for specific uses, including $30 million for eviction protection and $15 million for consumer debt cases. Tenants are therefore encouraged to learn more about and apply for rental assistance (see information below). 1 Comment / Uncategorized / By FreshFir222 LA County Board of Supervisors vote to end Eviction Moratorium Leave a Comment / Uncategorized / By The federal eviction moratorium was in place until August 2021, and the states eviction protections ended in June 2022. We have received more requests than we currently have funds available. Peninsula landlord charged with discriminating against family with young children This means that starting Sunday, April 30, tens of thousands of Alameda County residents must pay rent for the first time in three years. At 11:59 p.m. on Saturday, April 29, Alameda Countys eviction moratorium expired. But there have been lengthy delays and other problems with the distribution of those funds, and many households are still awaiting their payments. Watch our website navigation videos and get the most out of caanet.org! In June 2021, the state set aside new money for rent relief. Gavin Newsom 1021 O Street, Suite 9000 Sacramento, CA 95814 Subject: Emergency Request Assist Alameda County Board of Supervisors Dear Gov. Revitalizing low-income neighborhoods by installing sidewalks and public accessibility improvements, and by Alameda / Berkeley / Oakland. The moratorium covered all commercial tenants/properties in the unincorporated area (Ashland, Castro Valley, Cherryland, San Lorenzo, Fairview, Sunol, and parts of East The Board of Supervisors has not discussed ending the Public Health Emergency Order and has not scheduled this discussion yet. After the hearing, Protopappas said 20% of Madison Park tenants currently owe the corporation missed rent, compared to an average of under 1% before the pandemic. Sign up for The Oaklandsides free daily newsletter. Examples include increased health costs, added childcare or caring for a family member, or less work hours. It could drop a bomb on rent control, Zinn said. Even though her boyfriend lost income during the pandemic, Garcias household has been able to make rent payments, she said. The suit also claims the tenants four German Shepherds, forbidden by the lease, have caused considerable damage to the unit. (510) 747-7400 Ignoring the pleas of local housing providers, the Alameda County Board of Supervisors on Tuesday rejected a proposal to discuss potential changes to the homebuyers. How renters will be protected when Oaklands eviction ban ends in July Demand for Legal Aid Services. Dear Abby: I have a great life, so why have I fallen into this shameful behavior? In legal documents, the landlord attorneys argued that the eviction policies allow even wealthy tenants who never lost income to avoid consequences for non-payment, while property owners are left with the burden of paying a mortgage and maintaining a premises for the benefit of those that can violate the lease and the law without fear of eviction.. The county followed on April 21 by passing its own moratorium. To get more information about the State's rental assistance program visithttps://housing.ca.govor call 1-833-430-2122. Although Californias eviction protections for tenants with pending rental assistance applications ended June Our local governments took the steps needed to keep us safe, said ACCE lawyer Jackie Zaneri, calling the lawsuit a threat to all moratoriums everywhere. The Alameda County eviction moratorium ended on April 29, 2023, but you may still have important protections from eviction. Housing | Q: Can the landlord shut off my utilities?A:The City Council has barred landlords from shutting off utilities, except in case of an emergency or as part of an "essential activity" under the shelter-in-place order; and then, only for the shortest time necessary. Qualifies for 1 Unit of CCRM Continuing Education Credit for current CCRM Certified Individuals. Thus, Alameda Countys pandemic-era eviction moratorium will remain in effect through April 29. You will be contacted by an application coordinator once your application has been selected for processing. OAKLAND, Calif. - The Oakland City Council early Wednesday morning made a decision toward ending the city's moratorium on evictions. If a tenant does not pay the minimum 25% of rent that is due by September 30, 2021, the tenant may be protected from eviction for the past due rent if they apply for rental assistance. In addition to not paying rent thats due starting May 1, your landlord can also now attempt to evict you based on your behavior during the moratorium, says Starratt. If you are a tenant at risk of eviction or displacement, you may qualify for legal services under AC Housing Secure. Alameda County Housing and Community Development Department (HCD) seeks to create a pool of qualified consultants to perform special projects on an as needed basis. Alameda County Housing Secure advises that if you live in Oakland, Berkeley or San Leandro, to be safe, you should submit proof of your COVID-related loss of income or increase in expenses to your landlord in the form of pay stubs, bank statements, a letter from your employer, child care bills, or medical bills.. There are resources endobj The 02-22-05. Eligible tenants can contest or overturn an eviction at any time before leaving or being evicted by the sheriff, even after the three-day notice period, after receiving the lawsuit, or after a ruling against them. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); Your support is powering our newsroom! Her message: If you can pay your rent, you should pay it.. Otherwise, the landlord can charge a late fee. While additional funding may become available, the Program cannot guarantee Rental Assistance for households that applied after March 31, 2022. If all unpaid rent is not paid by that date, the landlord may get a court judgment for the unpaid amount. by soddie | Sep 30, 2021 | Current News, News & Announcements. Its important to remember the original purpose of the COVID-19 Alameda County eviction moratorium, said Starratt: This was not a rent strike. WebAlameda County's eviction moratorium ordinance, enacted to protect tenants impacted by the COVID-19 pandemic, ends 60 days after the end of the County health emergency. May 5, 2022 Whitney Prout CAA Legal and Compliance Counsel The California Apartment Association on Thursday filed a lawsuit in federal court against Alameda County, alleging that its eviction moratorium infringes on rental housing providers constitutional rights and violates state law. The way the moratorium is drafted, theres no end in sight.. The policy was designed to end 60 days after the expiration of Alamedas COVID health emergency, which ended on February 28th. If you get a summons from the courthouse, you have five days to respond. While the State of Californias Eviction Moratorium ends today, September 30, 2021, the Alameda County local eviction moratorium remains in effect. Without a lawsuit, this is not going to change, he told The Oaklandside. Click here for resources for tenants and property owners: ac-housingsecure.org. Q: What is"financialdistress" for residential tenants?A:This means loss of income or increased expenses due to COVID-19. The Housing and Community Development Department (HCD) plays a lead role in the development of housing and programs to serve the county's low and moderate income households, homeless, and disabled populations. In addition, free business counseling and technical assistance services are available to Alameda businesses from the following organizations: . Click here(PDF,239KB)to download a PDF of this FAQ. This story contains reporting from KQEDs Rachel Vasquez and Carly Severn. County supervisors and a county attorney did not return messages Thursday seeking comment. Alameda County ended its moratorium on evictions Saturday, a policy it first put in place in March of 2020 in response to the pandemic. Thousands of tenants in Oakland and across Alameda County will be rendered homeless if it is ended. The Alameda County Eviction Moratorium is expressly permitted by state legislation under section 1179.05 et. x=ks]dJ J\vZ|DRQhC7PFT 4z;,n_gO7gX>o6no Please be sure to respond to your application coordinator when contacted to speed up approval. Natalie lives in Oakland, grew up in Berkeley, and has only left her beloved East Bay once, to attend Pomona College. COVID-19 Rent Relief Resources for Alameda County Residents: Alameda County Housing Secure:www.ac-housingsecure.org For months, property owners have railed against the moratorium and accused tenants of taking advantage of the moratorium to case paying rent for reasons unrelated to COVID. | Eastmont Mall's history | OUSD union negotiations | We're now publishing free obituaries. The over-income tenants need to help us by paying their rent.. Councilmembers Nikki Fortunato Bas and Dan Kalb, and City Attorney Barbara Parker, who sponsored the citys moratorium, argued it was The stress has caused Tripti Jain major anxiety and emotional distress, including panic attacks, and causing her to require occasional medication to treat the effects of the stress and anxiety, the suit said. A survey of landlords (PDF) conducted by the Alameda County Community Development Agency this spring found that 67% of respondents said they would pursue an eviction after the moratorium expired. If you get a notice from your landlord, time is of the essence for you to respond, says Starratt. But she said their indefinite time periods, and the fact that theyve been permitted to remain in effect for more than two years, raises a concern.. Thus, Alameda Countys pandemic-era eviction moratorium will remain in effect through April 29. However, it doesnt mean that the states rental protections go away. J5T. After three years, Alameda County ended its pandemic-era moratorium on evictions Saturday. See Department pages for physical address. The California Apartment Association, a statewide landlord lobbying group, is also participating in the lawsuit. "cgy(2yoF?x~'`op8+8>W(]>`oolo}]~A(F4OXJ` LI!^c.JHY-3*`B|}l6C?547,=0CgC[vAf=xju_X50 VVt,?s(+8&)%K%ZpE:>|]4\~?5o[6O Kdk~0B&UKzJI*Lip`f9@by>j~\ls \f~Zc3gkxxy Landlord Policies and Practices / Legal Compliance, Cities seq. OAKLAND, Calif. - The Oakland City Council early Wednesday morning made a decision toward ending the city's moratorium on evictions. Days could be numbered for the Alameda County and Oakland eviction moratorium policiesif a judge accepts the arguments presented by landlord attorneys at a federal court hearing Thursday. In Oakland, its landlords who are unhappy with a plan to end eviction ban One man said: "The community is counting on you to add back in the requirement that landlords show substantial damages before throwing tenants out on the streets. 3 0 obj At this point, the best recourse for landlords is to go to small claims court to obtain the back rent owed from those tenants, said Starratt. Five small-scale landlords, along with the Oakland-based nonprofit Housing Providers of America, sued the county and city in March of this year over the eviction bans. Bay Area Legal Aid, Centro Legal de la Raza, East Bay Community Law Center, Eviction Defense Center, Legal Assistance for Seniors, and Housing and Economic Rights Advocates provide free legal services to low-income tenants and homeowners disproportionately impacted by the regions housing affordability crisis and the COVID-19 pandemic. This was an expectation that at some point you were going to pay your rent.. Original Broadcast Date: July 2022On-Demand Cost: Free to CAA Member/ $49 Non-MemberEstimated Course Length: 30 mins. WebSeptember 2022 Ending the Alameda County Eviction Moratorium Month: September 2022 The Homeless Problem in Alameda County is too big Eviction Moratorium wont solve the problem. But nearly $5 million in funding is just a drop in the bucket if we have over $300 million worth of outstanding rent and half of that is for over-income tenants. WebSeptember 2022 Ending the Alameda County Eviction Moratorium Month: September 2022 The Homeless Problem in Alameda County is too big Eviction Moratorium OAKLAND, Calif. - The Oakland City Council early Wednesday morning made a decision toward ending the city's moratorium on evictions. <>/Metadata 267 0 R/ViewerPreferences 268 0 R>> Theyre also been calling on the county to reimburse them for loss of income. But when Alameda ended the countys public health emergency for COVID-19 on Feb. 28 (PDF), it also triggered the end of the moratorium. Rents for this period are subject to the eviction protections described above. The language for the new form is in section 15 of AB 832. WebJudge allows Oakland eviction moratorium to stand, for now; Lena Tam Wins Board of Supervisor Election; The Homeless Problem in Alameda County is too big Eviction The landlords who filed the lawsuit have asked Beeler to rule in their favor without having to proceed to trial, through a process known as summary judgment. The differences between the countys moratorium and the city moratoriums mean that if you live in Oakland, Berkeley or San Leandro, its really important to understand exactly what your citys rules do and do not protect you against. The release takes effect as soon as the landlord receives the payment. Starratt says that in an Alameda County community survey of landlords in fall 2022 and spring 2023, landlords reported that fully 50% of the rent thats owed is owed by tenants who are over-income meaning theyre Your donation goes beyond supporting our journalism. For more information please click here. The Alameda County eviction moratorium prohibits most evictions in Alameda County and will end 60 days after the Public Health Emergency Order ends. Conflicts between state and local law must be determined by a court of law. Theres anywhere from $125 million to $300 million worth of outstanding rent thats owed in the county, said Starratt. The judges decision will boil down to legal interpretationswhether property is being taken or not, whether or not non-paying tenants are strangers trespassing, and if the local law conflicts with the states. If you have more questions about conflicts in state and local law, please consult your own attorney. Ask Amy: I put a security camera in my room, and what I saw was creepy, 'Total dominance': Steph Curry breaks NBA Game 7 record, leads Warriors over Kings, Ask Amy: My fiancee's family says I'm not invited, and she's going without me, Dear Abby: The reason her fiance hid his phone was something she never guessed, Harriette Cole: My friend's mom didn't recognize me at my job, and she was very rude, Kurtenbach: Game 7 is likely not win-or-go-home for the Warriors it's win-or-break-up, Warriors' Kerr reacts to Giannis' comments on success and failure: 'He's so right', Miss Manners: I don't want to hurt the bride, but I have qualms about the wedding, Do Not Sell/Share My Personal Information. At 11:59 p.m. on Saturday, April 29, Alameda Countys eviction moratorium expired. At the beginning, [the moratorium] was a no-brainer, to help the tenants impacted, Williams said. Some local moratoria remained, but many of those have expired or are expiring soon. To help keep our streets clean from debris and safe for all modes of travel, the City will resume street sweeping service according to posted schedules this Monday, June 15, 2020. The policies, considered some of the strongest pandemic tenant protections in the country, were intended to give renters housing security and prevent a rise in homelessness as large populations of renters faced job loss and increased childcare duties. What we saw was a rapid rise in evictions and displacement.. They claim that tenants who are allowed to stay in their apartments without paying rent are effectively being permitted by the government to trespass. Los Angeles Countys protections expired on March 31, 2023, and Alameda Countys are set to expire at the end of April Preserving the county's housing stock through rehabilitation and repair assistance programs. Some local moratoria remained, but % endobj It essentially bans all evictions, either for nonpayment Sign up for NBC Bay Areas Housing Deconstructed newsletter. No: The Alameda County cities of Oakland, Berkeley and San Leandro still have their own eviction moratoriums, and those will remain in effect after the countys eviction moratorium expires on Saturday: That said, just because a city in Alameda County has its own eviction moratorium doesnt mean renters in that city cant be evicted. WebFor unpaid rent between March 1, 2020, and November 17, 2022, local rental protections provide that tenants have an affirmative defense to an eviction action if the non-payment As long as a tenant is still living in their apartment, they can contest or overturn an eviction by showing that they were approved for rental assistance and with the rental assistance and their own funds (if needed) can pay all of the rent owed. Legal evictions may proceed starting on April 30, 2023 and tenants who do not pay rent from April 30th onward may be at risk of eviction. Alameda County's commercial eviction moratorium demonstrates the importance that landlords and tenants understand all applicable local eviction moratorium. Rents for September 1, 2020 - September 30, 2021: 75% of these months' total rent can be converted to "consumer debt" if you have given your landlord a "financial distress" declaration (see above), but you must pay at least the remaining 25% of that total by September 30, 2021. Housing Providers of America was incorporated early this year by John Protopappas, a prominent local developer and CEO of Madison Park Financial, which owns numerous rental properties in Oakland and elsewhere. Local Moratorium Expires 60 Days After the End of the Public Health Emergency Order, Alameda County Housing and Community Development, ALL IN Alameda County and Initiatives Have Transitioned into Alameda County Agencies, Alameda County Supervisor Dave Browns Biweekly Newsletter (October 11, 2022), Board of Supervisors Passes Resolution in Support of Reproductive Rights in Alameda County, Alameda County Supervisor Dave Browns Biweekly Newsletter (March 7, 2022), Alameda County Supervisor Dave Brownss Biweekly Newsletter (February 7, 2022).
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As a part of Jhan Dhan Yojana, Bank of Baroda has decided to open more number of BCs and some Next-Gen-BCs who will rendering some additional Banking services. We as CBC are taking active part in implementation of this initiative of Bank particularly in the states of West Bengal, UP,Rajasthan,Orissa etc.
We got our robust technical support team. Members of this team are well experienced and knowledgeable. In addition we conduct virtual meetings with our BCs to update the development in the banking and the new initiatives taken by Bank and convey desires and expectation of Banks from BCs. In these meetings Officials from the Regional Offices of Bank of Baroda also take part. These are very effective during recent lock down period due to COVID 19.
Information and Communication Technology (ICT) is one of the Models used by Bank of Baroda for implementation of Financial Inclusion. ICT based models are (i) POS, (ii) Kiosk. POS is based on Application Service Provider (ASP) model with smart cards based technology for financial inclusion under the model, BCs are appointed by banks and CBCs These BCs are provided with point-of-service(POS) devices, using which they carry out transaction for the smart card holders at their doorsteps. The customers can operate their account using their smart cards through biometric authentication. In this system all transactions processed by the BC are online real time basis in core banking of bank. PoS devices deployed in the field are capable to process the transaction on the basis of Smart Card, Account number (card less), Aadhar number (AEPS) transactions.