31 because of concern over its role in the cannabis industry.RELATED: Welcome to The Cannifornian, our new marijuana site “The decision came out of nowhere,” he said.

“It’s a serious hindrance,” said John Hudak, a senior fellow with the Brookings Institution who specializes in marijuana policy.

“It creates a scenario in which companies are able to get up and running but not operate like a normal business.” Here are nine ways the federal status of marijuana is affecting both everyday cannabis consumers and people attempting to work in the industry, no matter what their state law says. EMPLOYMENT Since employment in the United States is largely “at-will,” companies can fire workers over marijuana consumption regardless of state or federal laws. 64 explicitly states that California employers remain free to penalize workers who test positive for marijuana use, even if there’s no indication they were high on the job.

But national laws mean federal agencies don’t have a choice: Their employees can’t consume marijuana, even in their off-hours.

And neither can many categories of workers who are in federally regulated fields, such as people who work in the transportation or health care industries.

But before he could take the tests, Mutual of Omaha sent him a letter saying they couldn’t offer him a policy because they can’t accept premium payments from anyone “associated with the marijuana industry.” A spokesman for the company declined to elaborate.

Other open cannabis enthusiasts have reported issues in getting liability and property insurance for their businesses, health insurance and auto insurance. BANKING While some local banks and credit unions are quietly taking on marijuana businesses, major banks and credit card companies still won’t service the industry out of fear they’ll be penalized for money laundering.On the one hand, in 2016, his Newport Beach business raised close to million to produce and sell marijuana products across the country, tripled its workforce and applauded as Californians voted to legalize recreational marijuana.But as the year ended, just weeks after Proposition 64 passed, Peterson learned the company that for two years had managed Terra Tech’s payroll and health benefits would drop it Dec. 31, because of concern over their role in the cannabis industry. “We have almost 200 employees that spent their holiday season stressed about the possibility of not having their health benefits available in the new year, let alone a reliable pay schedule.” (File Photo by Ed Crisostomo, Orange County Register/SCNG) Even as he celebrated the end of a big year for his cannabis-focused company, Terra Tech, Derek Peterson was scrambling to cope with some bad news. 64 passed, Peterson learned the company that for two years had managed Terra Tech’s payroll and health benefits would be dropping them, Dec.But VA health providers still can’t recommend cannabis. GUN OWNERSHIP Medical marijuana patients don’t have a Second Amendment right to own a gun, according to a federal appeals court decision that came down in August. Circuit Court of Appeals in its decision cited a conclusion by Congress that marijuana and other drug use “raises the risk of irrational or unpredictable behavior with which gun use should not be associated.” The Bureau of Alcohol, Tobacco, Firearms and Explosives solidified that position earlier this month, when it added a line to a new version of the form aspiring gun owners must complete that states marijuana is still illegal under federal law.