Delayed mortgage applications, missed paychecks and stymied farmers are among the repercussions of a shutdown with no end in sight.
WASHINGTON — The impact 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.
President 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 paycheck this week, and who owe a combined $249 million in monthly mortgage payments, according to the online real estate firm Zillow.
The shutdown shows no sign of ending soon, with Mr. Trump announcing Monday that he would address the nation on 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 to issue tax refunds during the shutdown, reversing previous policy. While the decision will allow taxpayers to get their money, the I. R. S. 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 United States 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 percent.
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 Mr. 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, which has come to a standstill with “only an extremely limited number of staff members available to respond to emergency situations,” according to 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 Mr.
