WASHINGTON — The effect of a partial government shutdown began to ripple across the economy as it stretched into Day 17, with mortgage applications delayed, public companies unable to get approval to raise capital and thousands of Secret Service agents expected to show up for work without pay.

U.S. President Donald Trump and congressional Democrats have made little progress in negotiations to end a shutdown that has affected about 800,000 federal workers, many of whom will miss their first paycheque this week, and who owe a combined $249 million (U.S.) in monthly mortgage payments, according to online real estate firm Zillow.

The shutdown shows no sign of ending soon, with Trump announcing Monday that he would address the nation Tuesday evening from the Oval Office to discuss what he called the crisis at the southern border, and the White House saying that he would travel to the border this week as part of his effort to persuade Americans of the need for a wall — the sticking point in negotiations with Democrats.

The standoff is beginning to inflict pain on Americans, whose lives are affected, in one way or another, by the federal government. It is already the second-longest shutdown in history, behind the one that started in December 1995 and lasted 21 days.

On Monday, the Trump administration moved to soften some of the blow — and prevent taxpayer outrage — by directing the Internal Revenue Service (IRS) to issue tax refunds during the shutdown, reversing previous policy. While the decision will allow taxpayers to get their money, the IRS workers being called back from furlough to process those refunds will not be paid until the shutdown ends.

The effects of a prolonged shutdown have some Wall Street economists predicting a hit to the U.S. economy. Bank of America Merrill Lynch economists said Monday that it had pushed them to downgrade their estimates for economic growth at the end of 2018 by a 10th of a per cent.

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The ramifications of a prolonged shutdown are beginning to unnerve those both inside and outside the federal government. Some private companies and charities that serve public employees are searching for ways to cushion the impact.

The effects extend from the president’s inner circle, to Wall Street to farm country.

Virtually every employee with the Secret Service involved in investigations, security and the protective division, which protects Trump and dozens of other current and former government officials and their families, is required to work during the shutdown. And 6,000 of the organization’s roughly 7,000 employees will not be paid.

The same is true at the Securities and Exchange Commission (SEC), which has come to a standstill with “only an extremely limited number of staff members available to respond to emergency situations,” according a shutdown plan posted on the commission’s website.

As the effect moves well beyond the nation’s capital, craft brewers cannot get approval from the Bureau of Alcohol, Tobacco, Firearms and Explosives for new beer labels. And the Commerce Department has stopped processing requests from auto suppliers and other manufacturing companies seeking an exemption from Trump’s metal tariffs, leaving them uncertain over the price they will need to pay for key materials this year.

Farmers who planned to apply for subsidies to help mitigate the effect of Trump’s trade war must wait to get paid until the Agriculture Department’s Farm Service Agency offices reopen. And in neighbourhoods across the country, as many as 39,000 federally backed mortgage applications may have already been delayed because of reduced staffing in federal agencies, according to Zillow estimates.

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Several non-profit organizations, including the Federal Law Enforcement Officers Association, are trying to aid Department of Homeland Security workers who need immediate help with a limited pool of cash and other resources, an officer with the group’s charitable foundation said. The Navy Federal Credit Union is offering no-interest loans to service members who face the prospect of missed paycheques. USAA, though, has drawn criticism from members of the Coast Guard for offering similar loans that charge interest.

Secret Service agents are growing increasingly anxious and angry about the shutdown, according to several current and former agents. The Secret Service protects 42 people associated with the Trump White House, 11 more than were given details during the Obama administration. In August 2017, the agency’s new director, Randolph D. Alles, told an interviewer that the sprawling Trump entourage was putting unprecedented strains on his agents, in terms of staffing and budgeting.

Financial enforcement is also suffering. The SEC has about 4,400 full-time employees and during the shutdown is operating with just a few hundred — most of those tasked “to protect life or property.”

The constrained operations means pending investigations in securities violations have ground to a halt, and there is no one reviewing applications for company stock offerings to raise cash or consider merger and acquisition filings.

Defence and corporate lawyers said meetings with potential witnesses in pending investigations have been canceled, and some companies seeking to raise cash through a stock offering are having to bide their time. Staff lawyers at the SEC are largely prohibited from responding to emails seeking information or guidance.

In the past, the SEC had managed to keep operating during government shutdowns by shifting around money in its budget. But the commission, which has been operating under a hiring freeze for more than a year, is not able to do that this time.

“When I was there, we always had money to be able to operate for a certain period of time,” said Andrew M. Calamari, a lawyer with Finn Dixon & Herling in Connecticut, who stepped down as the director of the SEC’s New York office in October 2017. “I was there for 17 years, and in my time, we had several shutdowns, and in each case, we continued to operate.”

The SEC said in a statement that staff “continues to monitor the asset management space, track market activity and watch for systems issues or other events that could disrupt the fair and orderly operation of the securities markets.”

The agency also said it had advised financial filers to request expedited action before the shutdown.

But corporate America will now have to wait for the government to reopen in order to move ahead with things like initial public offerings and pending corporate mergers that need approvals from regulators.

The biggest and most far-reaching effect of the shutdown looms Feb. 1. Trump administration officials say that funding for the Supplemental Nutrition Assistance Program, or SNAP, which provides food benefits for about 40 million people, will run out of cash by the end of the month. The Agriculture Department has not made it clear how long it will be able to fund the program, which costs about $4.7 billion a month, but estimates by anti-hunger groups put the department’s reserves at $3 billion to $5 billion, meaning funding is more likely to completely run out in February or March.

Other food assistance programs are facing a more immediate cash crunch. The Special Supplemental Nutrition Program for Women, Infants and Children, known as WIC, has already been cut off, with state funds filling the gap as the shutdown drags on. WIC provides aid to an additional 7 million low-income Americans who are considered to be at “nutritional risk.”

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