>> i'm also the chair of laco, local agency formation commission. and it's a pleasure of mine to be here with you on a friday afternoon, and it will be all you people clearly. with us here today on a friday afternoon, clearly it's very sunny outside and you have enjoyed the out doors today but here you are with us for conversation around our environment and i really

appreciate that. for the last 20 years, the san francisco board of supervisors, moan through lasko. i thank the san francisco port for partnering us with today. lafco and the important work that we do is largely unknown outside of city hall. so we want to take this opportunity today during the san francisco climate week to en gaming a wider audience about our work. i'm really grateful for you to be with us and to see fashion and innovation that there is in our city to find solution to the climate crisis. i have to say for a long time,

work of lafco was caught in a debate whether or not san francisco should have a cleaner al na tiff. thankfully the debate has been settled and what many enjoy today is run by the san francisco public utilities commission, is now successfully serving over 400,000 customers are cleaner energy and affordable rate than pgne. to help clean power sf cleaner goals including clean banking that we will hear more about later today. lafcos authority is to do these studies municipal service review and that's really a, you should know that lafco in san francisco is unique where both city and county and san francisco and like other

jurisdiction it's really a county jurisdiction. that is why lafco in san francisco is limit today service review while other counties have a wider range of jurisdiction. nonetheless lafco has a critical role to play because of independence to city and county of san francisco. my colleagues on the board of supervisor sxz lafco supervisor dean preston has lead us to studies related to housing, which really if you think about it, not only is housing a human right, it's a right that if we continue to push forward, help us build a momentum to climate change. to tackle climate change. i'm excited to hear from our true panels because housing crisis are so closely inter connected.

i'm glad that san francisco voters passed our housing bond in march, 300 million worth of it and i'm hopeful that the path area will pass a larger regional affordable housing bond in november, roughly about 20 billion dollars for all nine counties and in san francisco about 1.5 billion dollars. i'm excited to look at opportunities for how these funds could be used through a green bank to produce municipal housing in san francisco. so i'm really excited this is not just conversations on papers anymore, if we do this right this november many things that we deliver on, so if you're interested in these topics, i urge to you get involved in lafco's work.

you can contact our lafco team to give us your feedback is the reason i'm so pleased that we're participating in san francisco climate week this year and explore what we can do and incorporate your ideas and our work together and to be innovative, not just for san francisco but really for the bay area, that is the work that we're embarking on in the coming months. so with that, it is really my pleasure and i just want to say a few words about this person that i'm about to introduce to you who really has been organizing this, former legislative a and city hall really knows how to works. how city hall works and i'm so grateful that he can now coming on board to join us and during the process when we having these conversation at sfpuc to really figure out what should be our future in san francisco but so much more than just

that, be it battery storage, be it a lot of technical studies around tackling climate crisis, i'm just so grateful that not only does he do his due diligence but conversation is also the reason why we're here today because he has dedicated his energy and effort to see san francisco and its future beyond clean power sf. with that, i'm going to pass this to our fearless leader and leader of lafco, jeremy. thank you, [applause] >> thank you, very much, connie and thank you for coming out to join us on this beautiful friday. i'm going to go through a quick few slides to introduce you to lafco and give a quick introduction to the work that lead to this panel on green banking.

first question i get asked to people that i tell what i do, what is lafco, is it a comedy club or what? everybody city has a lafco dealing with making sure as we're building new developments that we have all the services that they need. we're unique in california, the only consolidated, when there was a proposed ballot measure because between brisbane and san francisco to take over pg&e's service, and that lost 49-51 at the ballot but that was a part of lafco as being kind of venue where supervisors pursued democratic, there was a lot of work of ticking over

pg&e equipment and that lead to community choice aggregation which lead to clean power sf, where they were able to buy 100% renewable power. and yeah, dha was largely the focus of lafco's the number of years. we've broad end out into a few other topics in addition to electricity, we did a study on public bank anding municipality services and as connie said, we have taken on studies relate today services. so it's made up with the board of supervisor sxz members of the public, that was connie chan, our chair her idea to have they vent to showcase some of the great and get our great commissioners and experts on these issues. so we'll be hearing from our public commissioners, hope and municipal housing paner he will and we have our resigned

commissioner fielder who will be part of the commissioner. and if we have a vacant seat so if this is interesting to you, we there is a application on our website and we're looking for somebody else to join us. we have a sort of duel role with clean power sf, we provide oversight and provide feedback and we're also partner ening with them on a part of studies and, one of those is, the green bank studies that we'll be talking about more. and so, i have three slides to try to condense three to four years.

who is i work for as a legislative aid back in 2011 is the first time i heard of the concept and he passed on the baton on to sandy fewer who passed on the baton to connie chan and dean preston. that lead few years that was a state bill that created a i new banking licensing in california. so the reinvestment group put together a plan and they have a business in governorance plan for public bank and as an initial step, the plan is to create a non depository, called finance corporation that essentially functions of like what a green bank is. it's a lending entity that

combines to advance green initiatives and so, so yeah, those plans were delivered to the board of supervisors last year. and supervisor preston is currently working with the treasurer's office and, let me i'm getting ahead of myself. so i'm going to talk a little bit about what a public bank is. it's a bank that can accept deposits that is held by a county. as i said we have this two-step plan here in san francisco that we're pursuing. that would not require all of the regulatory approvals of a full public bank. it's to build and be ready to go apply for the banking licensing and fdic insurance and at the bottom a couple of things that a public bank is not in this plan, would not be a retail plan. the idea is not to have

individual credit acts at the public bank of san francisco. it would be a bankers bank that would help out credit unions and cdfis to help advance the lending. and this is not to meant to take over the--that has a lot of, you know, 12-17 billion dollars, i cannot keep up the size of the budget. to create this entity that would function at san francisco green bank. and it's further of planning for the operations of this entity and we have working group to talk about this, and a big focus we've had is around, the inauguration greenhouse

reduction fund which has two separate funds that total about 20 billion dollars that is intended for entities like green banks. we've been in touch with the applicants for that and the awards has just been put out. and we're hoping to make san francisco eligible for that to get in that infusion of dollars to help jump start this entity. so we're preparing an rfp to help us develop those plans and yeah, with that, i'm going to turn it over to our elustriuos panel. he's going to lead us to a conversation into a great panel. thank you all for coming. [applause] >> hello.

oh, no, it's working. thank you, jeremy. so, let's jump right into the panel on green banking. just as a reminder to summarize what jeremy just said, the purpose of this panel is to discuss the work on municipal banking options, specifically the potential for san francisco green bank and how it could help achieve the goal. i'm going to start by allowing the panelest to introduce themselves and then i'll have some questions for them afterwards. >> thanks, colleague, thank you jeremy, thank you supervisor connie chan to initiative during climate week. i'm jackie fielder, i'm a cofounder of former lafco commissioner and i'll pass it to sylvia. >> hi every one, happy to be here, thank you to lafco for inviting me, happy climate week

every one. i'm sylvia chi, i'm a city policy analyst with the funds collectives. that's my day job and my non day job is working with the california banking alliance. >> hello. can you all hear me? i'm nick klein, i'm delighted to be here. i'm not a if i --affiliated with lafco i was asked to join because i worked for connecticut green bank and capitol capital bank. so since then i've worked with many other cities on

implementation and strategy of clean energy initiative. so delighted to be here. >> thank you for introducing yourself and since we're on the topic, do you mind telling us, what exactly is a green bank. >> sure, so i can go pretty deep on this. i will try to keep it high level and if you have follow-up questions, we can do that in a q & a, so starting on the bank side. a bank provides financial services. so this is, two end users, individuals, governments, might be a paradigm shift from many are thinking about in terms of supporting clean energy through incentives, a bank often uses services like loans and like credit enhancement to see drive the deployment of clean energy. and the rational there, like cars, like houses, clean energy

has a big price tag that you might not have all the money for in your pocket, so you want to go to a bank and get a loan so you can pay for the big project and repay that overtime. like you do with a mortgage and like you do with a bank loan wha. is difference is being a quasi profit, profits can go back into the bank and then be relent out. and green banks focus on clean energy technology. what that's been, roof top solar, transportation technology and other technologies. and what is difference about this asset class is that these assets often create a cash flow whether you are selling, electricity into the grid and making money from that, or cash flow in the form of energy savings, energy monthly bill

was $300 now it's $350 so you're saving 150 each month. so these cash flows make this asset class easier to finance because assets that finance generate their own cash flows that are used to pay back the loans. something else is that they primarily serve under served segments. there are private banks for the big companies, for the big utilities that want to do a big solar panel array, they already have access to capital, there are a lot of markets that don't have access. whether it's a technology thing, whether it's a risk thing whether they're just outside, so green banks provide this access to capitol that, that the market as is, doesn't have.

last comment to think about is green banks can be a big part of a larger puzzle when it comes to deploying energy. they provide the financing, information and help various partners come together. but the other partners really matter a lot when it comes to financing clean energy. they are the end users, the people pa ultimately benefit from the clean energy and also the installers ,z the contractors, the people that literally make the updates to the building or put the equipment into the ground or connected to the grid and then there are other actors like the community itself, or you know, insurance or operations and maintenance. green banks are a piece of the puzzle but it's very important that they work with the partners. hopefully, that was not thaofp detail and i can answer more as needed. >> green just that green bank

is a type of municipal banking in san francisco. and the next question is for you jackie, where did the idea come about? >> well, i'm executive officer paul pointed, it's been around since san francisco for more than a decade. supervisor john a va loss really look it around the movement around the no dakota pipeline that gave us the thrust and that's how i got into public thinking through this grass roots, moral base imperative that our city's money, we profess to be progressive city. but we have money in the banks while waiting for the cash management of our annual, our

different departments on average at the time that i was looking at it, 7 years ago, on average per day, the city is has a cash flow in and out of 250 million dollars, something around there. so lots of money flowing around. but while we're not using those funds, wall street as we know uses them for other means around the world, financing, private prison contractors, you name it, luxury developments. so the whole 'empatus was to align our--with our money. it's a very simple concept and you know, back then, we had a lot of momentum and thought it would be much easier to simply move out of wall street into maybe the credit unions or pro

social banks but it is much more difficult and at the same time, still felt that this imperative to move our money into alignment with our local values, our local mandates was still pretty important. we have an affordable housing crisis. we obviously have a, climate goals that we have to meet and we have small businesses that are closing down every year and especially more so since the pandemic. but we wanted create something that maybe has not been seen before. movement and it's in north dakota where the only public

bank in the continental u.s. exist. north dakota has been around for 105 years now. so we, ironically drew a lot of our interest and i object spir --inspiration from there even though we would do things differently. so to sum it up, came from a grass roots movement and paired with minds with the expertise like sylvia who is an co-author of public bank bill 8557 we passds --passed that with in alignment in l.a. with public bank l.a. we all came together lccr, sorry, lawyers committee for civil rights, lots of other organizations that have

supported us over the years and have been involved. to push our movement and really hone it into making it not just pipe dream but a plan. and it had to evolve as we encountered new information and legal barriers, new constraints and in this world with the with the biden climate bill, new opportunities too. so that's the sum of it. >> thank you, jackie. we know what the bank is and a public bank and, etched in stone with that. this question for you sylvia, what opportunities exist this year, right now for helping san francisco start green banks? >> so it is going to get pretty wonky. as mentioned, you may have heard of the inflation

reduction act, it is the largest most ambitious action congress has ever done. i can probably spend several hours talking about it to you but we'll focus on the greenhouse gas reduction fund. it's a 27 billion dollars program. it's the single most--defense, and administered bit epa right now. being administered by the epa right now. it, it is consist of three different programs. the first is solar for all, that's 7 billion dollars. that's not a green. sometimes called like the national green bank, those are the two green finance programs.

one is called the national clean investment fund and that's 14 billion dollars and the other one is called the clean communities investment accelerater and that's six billion dollars. and those two programs together are meant to inject a ton of capital into community lenders, meaning community institution s and green bank to see catallize, it's hard to understand if you're not a finance person, i'm not a finance person. but ccia is meant to increase the capacity of community lenders so they're able to make loans in the green space.

doing community, they don't have a lot of insurance doing like solar and energy efficiency and those things. so they ed the extra capital. the other one in cif, is like a fire hose of money that is meant to go to the community leaneders and fund the programs. the program is also meant to attract private capital, so it's leverage private investment as well so. when it comes to a municipal green bank or starting a new one in our case, the ccia funding can be used to help capitalize that, so it's starting the final

institution. and the money can be used to fund the actual lending activity. the program is very weird and complicated, it's not like any other program. it's going to be the funding is going to be done bit inter mediates which is nonprofit organizations, or coalition organizations. so community lenders have going to have to apply to those intermediateries for the funding. we don't know any of the details yet. epa just announced the awardee a couple of weeks ago and those awardees are negotiating with epa, they're trying to finalize

those contract negotiations. and that is a very fast timeline for the federal government to do that. we're trying to get san francisco green bank to get funding to start spending. >> i have a question on that, can you talk about the greenhouse reduction? >> so we don't have a very good name for this group, but it's like the ggr equity alliance is what i'm going to try it make it be. our organizations solutions, we do environmental justice policy. and we came together with a bunch of allies, organizations including emerald city's collaborative. americas for financial reform, green lighting institutions a few other ones. and basically after the

inflation reduction passed we were all reading through it, i was not involved in advocating for the ira passage. and we saw the--there is not a lot of details in it. but the problem with that, is even when they put in, there is clearly like good intentions with this program. but the perennial is unintended consequences. so we need to make sure, my concern, is there is a lot of way that's this program can go side ways.

and it didn't define how it had to benefit the communities on how to be there. and we know like the opportunity zones that place investing is not that simple so. if you just spend money somebody does not necessarily benefit the people who live there and in fact can cause gentrification. we saw this as an opportunity to try not just to engage gpa to try to interpret the statutes that would be most helpful to communities but also to engage with the applicants and now awardees to try to get them to voluntarily and publicly commit to kind of raising the base line in term

of their equitable practices. so we put together, drawing on our experience working on various kind of programs at the state and local level. we put together a pledge which outlines how they put into practice, these equitable, equitable ways of working and making sure that they don't actually harm communities. and so, we've asked the awardees to publicly commit to that, and when we ask the applicant that and now that they have announced, over half of the applicant, over half of the awardees have committed to the pledge. so we're going to be continuing to engage with them to make sure that they are held accountable trying to organize like the members of the coalition sxz their board

members, their advisory councilmembers to keep them accountable and make sure it's really accessible to the community that are meant to reach and benefits them. >> 24 next question is for you, nick, what would san francisco be able to do with the green bank? give us an example on how green banks have helped othered. >> sure, again, i feel like this could be a big answer. so broadly, what a green bank can do is is make access to capitol money for projects, easier and more accessible for folks that have not had had access or don't currently have access. what that can look like is, lower prices of capitol or

products and services that reach market segments that don't currently have access to them. one way to look at this, who has roof top solar or ev charger in their garage? typically folks that are higher income. how would folks with the lower income have the benefits for the benefits when the price tag on those are high. it would be through a green banks. green banks can do that, that is from the perspective of user. that's one of the powers of finances is if there is no up front cost and if it's cash flow positive for the end user. another thing that it can do is crowd in private capitol. there is bunk of banks and lenders are the type that hide income individuals to do, to

get a solar panel set up on the roof. why are those folks. why are those private lenders saying no to you know, riskier market segments. they can help them understand risk, help them lower the costs of capitol. so loans of clean energy, every bank offers them and they're widely available and widely used. they help the bridge to help the private sector get to that activity. another thing is, green banks because they get returns from their loans, are can be self sustaining, that means once you capitalize the green banks, the activity go back to the bank which pay for the costs but can be again lent out. it's self sustaining.

and related to that, there is this idea of private sector leverage, where if a green bank is colending with private lenders, there is this idea where a green bank can provide some of the debt where half of or thirtd of it and other parts are supplied by private lenders. so there is this idea that for each dollar that is lent out, it can bring in 10 private dollars. from a strategic stand point, from the government stand point, you can drive a lot of investment and a lot of scale. there is a piece around green force where many bank right side partnered with workforce to instale efficiency, solar, so there is this local economic benefit that helps buildup local businesses. there is also a piece around trust and public government, we're at this time in history

where demographic institutions are really facing like a crisis in trust. and green banks have really proven like many other institutions, smud over there in sacramento, green banks around the country can help people understand wow government can really serve the public interest. and you know, i have a few example of specific greenbay projects, maybe i'll quickly go through them because i'm eating up a lot of time. of my favorite is community so laxer the community bank, they financed a single solar project nat neighborhood of 100 kilowatts about 10 times of the average roof top solar project fortial. and what they do is they sell description to see low to moderate income, so 28

households can have a share of the single solar projects. it's not on their roof but they have a share of it. and what it did for them, for each describer was 500 dollars a year. so--subscriber was $500 a year. tied in is ev chargers they wrapped up in other benefits. so it's a way for these community members to get the benefits of solar without having to put their roof top up ordeal sw w some of the issues like credit checks. so that's really exciting. another one that i'm familiar with, and i see worked with a multi family housing company and they did all nine of their buildings, i think it was hundreds of housing units, they fully retrofitted the whole

building to be super energy efficient, like sealed the envelope and had heating, with thermostat, really helped the comfort of interior spaces and reduced energy bills, so there is an energy burden reduction there. those are just some example, sorry to eat up so much time. >> jackie this next question is for you, jeremy mentioned, there was an investment group and they talk about what that is? >> yeah, so in 2021, supervisor dean preston introduced and got the board of supervisors to pass the san francisco reinvest in sf ordinance. and this started a working group of finance experts and community experts in affordable

housing, renewable energy and environmental justice to basically come up with the governorance structure and the business plans for a municipal finance corporation msc. and the idea is to start an msc which is a non depository insolution and become a public bank. of course public bank being a depository institutions, a lot of framework came from ab857 and we looked into a lot of different research, especially from dr. thomas mariwa who has been studying banks around the world. and it's through him that we were able to learn about governorance structures. one of them being popular in

costa rica which is basically governed by a assembly of workers and it has representatives from the assembly that's is in the dos ons range to make the regular decisions at the highest level of the bank but the ultimate decision making body is the assembly. so that is probably on the most democratic part of the spectrum. and then of course there are other models such as the, the german banks that have a two-tier structure around with representatives from different departments and also trade workforce representatives. and that is also a two-tier structure so from different models, we got inspired to work

with that kind of two-tier structure model to try to prevent corruption as best as possible, because that's a big concern here in san francisco it's very real. and we want to make sure that the bank is insulated from as much as the decisions as possible. and of course it still has to have some kind of mission and principals to guide its decision making. and that in the san francisco bank coalition, we came up with a set of principals over the years around public ownership, and around the different kind of mission principals for the bank, social, ecological and environmental justice. so grounding and the giving it a mission and having this two-year governorance structure was our best attempt to stem

the influencing but also provide enough transparency or accountability that we're able to hold it accountable to its original principals. so the ultimate government structure for both the msc and the bank are inspired by the structure, include representatives from different agencies from the city government and also draws from you know, a number of different areas in the city that the public bank has stakeholders in such as labor, such as environmental advocacy and affordable housing, worker's rights and a number of other ones. but, the reinvestment group finished its group last year and chair kristen evans was great help with that as well as

could--colid and fernando is going to be in the second panel here, and is sylvia chi, i hope i'm not for getting any others. but this work was hard and arduous, hours and hours going into it, not just meet ing, but work outside of it and we had some of the best minds in this field, in this work put their heads together to come up with the best plans. the treasurer's office was also involved, controller, and the plans were aoun unanimous lea dopted. the next if is the next question giving us time to city

if we can stand something up to receive these funds. >> thank you, jackie. sylvia, the next question is for you, how can san francisco ensure that impacted communities benefit from the bank. can can she have a say on how its run? >> yeah, i mean, i think the short answer for me would be to put into practice to operationize the best practices that are in our pledge and guide, and that has to do with really centering the voices of the low income disadvantage communities that this program is mraent to benefit. that is always a lot easier than done, a lot of institutions say they're doing that but it they have a lost trouble when it comes to giving up that decision-making power or using their decision-making power in alignment with what the community wants. so that's definitely not

trivial. i think that will be the major challenge. other pieces are going to be around, making sure that we're prioritizing direct benefits to the people that are trying to benefit and looking at the accountability and transparency and putting in safeguards to make sure that people are not harmed and the, the most concrete like, silliant is displacement, the one thing that people have, is green gentrification, if we're upgrading housing, does that mean that people who live there now, will not continue to live there now. >> thank you for that. >> so, banks are great, we've

been doing them forever in this country. we have a plan that was approved bit board of supervisors and the federal government is trying to give us money to start one right now. so the everything is great and wonderful and so nick, last question for you. are green banks subject to bank runs or any negative side affects that we've been seeing in the market? >> insofar as a green bank is non depository, it will not be subject to a bank run. most green banks i'm familiar with, there is a bit of distinction between the green bank term what people can mean by that and the public bank. the green bank that's have existed and call themselves are green bank are non depository and there have not been an issue.

there is issue with political actors trying to claw back. if a green bank that primarily lends to clean energy projects decided to be to* also be depository, they could run a risk, there are things that you can do to reduce that risk. keep higher percentage of the deposits cash on hand to insulate that. there is also a middle approach that the kentucky green bank has taken where you invite members of the public to invest in and capitalize a fund that is lent out to clean energy projects by the bank. so it's not a saving account, it's not a saving account but it's an investment that you would make that you get between 4 or 7 or 8 person return but there is a risk that you don't get it as the green banks lends out your 10,000 or 20,000 into

projects in the local community. >> thank you for that. and just as a reminder, the municipal corporation designed by the work, confirmed that green bank is non-deposit. [(inaudible)] >> can i get a time check. >> wrap tup and take a couple of questions. >> all right, i'll take a couple of questions from the audience about green bank. >> so since you've been in contact with the, i imagine you're probably talking about how they would do pass through a system obviously, finalize that and recommending to that and what conversation, regarding kind of. >> i'm going repeat the question for the camera.

so the question is, have you been in contact with these groups that are applying for the epa's green bank and as they develop these terms that we will see in july, what advise have you been giving them? is that summer? >> okay. >> do you want to answer? >> insofar as i've been in touch with them, it has not been in respect to san francisco. >> well insofar that i've been talking about, it's not been in respect to san francisco either. so in general, would i say, we've been talking about there is a significant need for technical assistance. and for those who don't know, technical assistance is a broad term, i used to not work in this nonprofit policy context and i was confused by this term.

but, basically, technical assistance it covers a lost things. but, helping institutions like create projects is one piece of it. it's also going to be community lenders learn how to give out the loans and design the products. it's a very broad term. i think the awardees who were selected all recognizes that there is significant need for technical assistance. they need to be part of that conversation and part of the have to receive some of that. because community organizations need to be able to have the capacity to engage in the processes like these

stakeholder processes and they often just don't have the money, they don't have the time, they need to hire and retain staff. i use today work for a community base organization no one has enough time to join these meetings and there is a very very deep need for these institutions to invest in them if they're going to actually going to try to benefit these communities. that's the biggest thing. >> thank you for the question. i'm going to take one more question. yes, right here.

>> so the question is, as this funding got, being rolled out, what projects are prioritized in the pipeline? >> which of the ones that you see that are green banks that are emerging with the funding, are rolling out their programs, i guess in a way. >> i'm sorry, so which of the entities coming out, which of the green banks will be rolling out the funding fastest? >> >> i'll take a shot at answering this.

so the existing green banks most of them have a geographical mandate, they're state and county municipal banks. that may help you figure out if you're project is sited in a state, does it have a green bank or not? the other way to look is look at the green bank's website. typically, they have a few standard. if your project fits xy andz. not all green banks finance industrial kind of manufacturing projects, some do. so we'll check with the green banks. and also green banks have what is called open solicitation, so if you want to finance a project, but it does not fit, you basically send them a pitch, you say this is the project let's have a conversation about whether or not you can finance my project and they would have a meeting with you.

>> should we stop or take one more question? >> i think we need to stop. thank you so much for your time today. thank you to the panelest. [applause] >> all right, i would like to invite our panelist. i know we have two conversations that we could have spent two hours on that we're going to try to shoe in. >> okay, so before i turn it over to our housing panel, we

have two projects that we're starting. one is specific and narrow and scope, the mid-town apartments is the only city owned housing in san francisco. the displacement was built in the city as a rent to own model. the residents there still did not own their home and did not have a say on how their homes are managed. and it's how these residents wants their house imagined. do they want a board of directors and working with them to figure that out. the other is what it would look like for the city to scale up, owning and operating affordable housing.

that was pass thed with 73% of the vote. we have an rfp out for this. their proposals are due june 22, this is a new housing study and not a lost experience within the united states so we're looking for the smart housing brains. if that's you or if you know of any small housing, send them our way. with that, i'm going to turn it over to our moderator hope williams and also the board president of the san francisco community land trust and she is going to lead a conversation on this.

>> hi, sorry, can every one hear me? awesome, i'm hope. it's a pleasure to be here introducing these fabulous panelist which i'm going to let them do. who are you? what do you want? what are you doing here? and we'll just go down the line. >> there we go. what am i doing? in my day job, i work at tenants together as a legislative director, we're a coalition of 60 justice organizations across the city of california. when i'm not in my day job because i have no other hobbies, i'm with lafco with hope. and i chair the housing

stability fund oversight board with my vice chair fernando. >> hello ryan ramos with the department. i work in residential building providing assistance to encourage adoption of decarbonization, so heat pumps and those sort of technologies. >> and i am fernando marty, i'm an artist, i'm not sure what i'm doing here. with you for the 20 years before that, i worked in the direct of community housing organizations working on affordable housing in the city of san francisco and continue to work around planning issues when i'm not working on our work.

>> thank you so much for our panelist. i have this question for ryan, what are san francisco climate goals related to housing? it's a very large topic that we have to handle, part of the climate team in the audience, so i'll have to hopefully get parts of the climate action correct. i'm going do a brief overview on some of the goals. the climate action plan includes a goal to build at least 5 now new units every year. and one-third of those units, no fewer than one of those

third of those should be affordable. near schools and near transit as a key pillar for climate action. so we need to have housing that is accessible and some of the strategies that underline the goal of building 5,000 units include preserving and rehabilitating homes in under served communities and in other is basically just jum starting the production of housing. having housing is absolutely crucial to meeting our housing goals. and lastly on top of that, the action plan states that san

francisco have all buildings including residential to be sheer o he--zero emissions by 2040, that means getting emissions out. that's a tall task we have a number of partners that we're working with. the mayor's office, mayor's office of housing and homelessness and supportive housing we're all working together. while providing access to housing. >> thank you, i know you being part of it, we really appreciate your efforts. i'm going to ask sauntty, what is municipal housing and how is it different from regular housing.

>> interesting, affordable housing means too many different things to too many different people. i feel like if you have 100 people in the room and asked what is affordable housing, you get 200 answers. i see it as social housing, any housing that is intend to be affordable. a lot of people like to talk about singapore and vienna, i love vienna and i loved it. i don't like to think about municipal housing or general

housing like this far away idea that we've imported from other countries. people are trying to do municipal housing right now. there are models in county in chicago just passed a big bond, obviously we're trying to do it. especially when they're trying to displace, they have a demand that times to ask the city by their housing, and also we have a long history of experimenting with municipal housing. they're always in the market when they occupied slum housing, you know the labor movement has a long history of building housing at the local

level. i think we have not collectively decided what that means and sometimes that is used to import differences in policy that we need to bring to the service and talk about. but you know, municipal is a form of social housing and it's important because we need federal investment housing, we needed it yesterday. until we get that, we can't wait for them. >> what do you mean we can't all agree on what affordable housing is? >> okay, this next one is for fernando. >> what is the next between housing, climate and equity justice and how is this related

to a climate aparti? >> okay, is that where i get to do my slide show. >> that's the last question. >> because my slide show sort of covers that. in the context of talking about climate change and what ryan said before, the need that we have to build how much housing in certain areas. housing that regular people can afford to the extent that we have not done that sufficiently for the last 20 years, we are seeing a new resegregation of the bay area. and paul anthony who used to the run the project, i don't know if he coined the term but he would use that the idea of

climate aparti, because of climate change, we are creating a new segregation within our cities and regions examine the only way to address that is through public investment, because that is what the market is creating, given the climate mandated move towards building more densely building in our cities and not creating more sprawl. >> thank you, i'm going to ask the next question for ryan. what successes are you most proud of? and what challenges does sfe face in meeting our climate goals for housing, be honest? >> all right, the proudest moment i think it will be easier to describe the challenges, it's a very long

list but i would say the proudest moment was when san francisco became a pioneer. not very long ago, the cpu c commission which regulates energy programming under the investor owned utilities, such as pg&e, was no allowance on what was called heat substitution to move away from gas appliances towards electric. that was at the table and there was no way to do that. once the puc changed the rules, a program that we help run was one of the first to implement these changes to allow

electrification. we started to work with affordable property management firms. to change their gas boilers over to heat pump water heaters, so we were very excited to do that, we continue to do that work with many operators in san francisco. we v you know, dozens if not hundreds of building left to do. and that brings me to the next challenge that we have is,

you'll start, you'll be having a positive cash flow with the electronickation and electricity rates that we have, we can't promise that and it makes it very hard to make it, to get these projects installed and motivate property owners. our partner is pg&e, they're the ones that have a backlog, we are working through them with them. we're trying to get them to have that be a priority.

that's a big challenge. another challenge is we don't have enough housing, if we're back to the core of this conversation, there is a lack of affordable equitable housing is, probably the biggest thing, all the electrification of these buildings, is important consideration. >> that is a challenge. >> that is the nicest way to talk about pg&e that i've heard. good job. kant' how do the housing and climate goals need to align? >> we gave these questions to you beforehand. >> i know.

but anyway, we're a city primarily of renters. so i'm going to start with the biggest question. is how do we do decarbonization without displacement. we also don't want to incentivize them to use renovation. and we also have really tough laws like the ellis act which basically discourage the control tenants to flip a building. we really oh that will make

climate aparti worse. transit has to center them. but i think that, i mean i think that we can align. there is a lot of tremendous work being done by everybody here. there is a de carbonization working group. we're having even conversations outside of san francisco like sort on the state level coming together to talk but environmental justice people to figure out how we do this together. and i also think that we can actually use this instead of a vehicle for displacement, right, and all the benefits of the inflation act that can come in and benefit rental housing, we can use this as an housing acquisition. we have missed several opportunities to take units at a low cost off the housing market because we refuse to

invest. a number of landlords are defaulting, they're selling properties at fire sale prices. those units that we did not buy are 200 to 300 units and we could have used as an opportunity to not only keep people in place but improve the buildings and we didn't do that. automobile, san francisco cannot raise the level to take levels off the market and there are definitely challenges. but i do think that the more we center the residents in the work and the fact of the majority of the housing is rent control housing, and that tends to also be not just where the most vulnerable but the housing that needs the most improvements.

i do think that we can come together with a investment strategy where we're making these people's homes healthier and building them and revenue positive municipal housing stock. >> thank you so much. fernando, i know i said i would keep this question to the end. but i'm curious how does the mid-town apartments demonstrate the challenges of presefrk or existing housing in reducing its carbon emissions. >> so a few years ago. >> yeah, we can do the slides.

it's about 130 units, almost all town homes, it was originally built at back middle class housing, relate of struggle in the community in the face of urban renewal displacement. next slide. this helps the first question and my answer to that is the community, if you don't have community preservation, our strategies around regional climate response really become kind of a regional resegregation, so that plan is from 2050, whatever the latest is, and the red is where the region, the mtc and a bag which are these regional agencies are responding to climate change and to state law sustainable

communities initiatives in directing most developing to the areas. and what you see is poverty is moving, you see greater poverty. as people are displaced from the places wherefore good climate reasons, we want to dense fie. --densefy, so this is blackout migration, the green dots are the arrows going up is where the black population in the bay area has increased and the red is the inner ring around the bay including san francisco where folks are being displaced, exactly those areas where we are saying, we need to

defencefy. so how do we naoet our climate goals as we build in the city? and one of the important things to understand is not just the amount of carbon emission that's come from building and construction. so the energy that went into building something and the stuff that we're talking about right now, the operational costs, the decarbonizational responses. how you run your building, but there is the up front and as we're building denser, we're going from our four story to

concrete and steal. the amount of increases inspaes, so our response, let's save what we've got. the next slide. so the mid-town apartments about ten years ago finished off their hud home. create new dense building, there was confusion of whether they wanted to tear down the two buildings or one of the buildings. the item is we're going to move you out, or at least that is the impression that the tenants were given no opportunity to voice their wishes and their desires and their community

phase. so this is a picture from the buildings were newly constructed, next slide. buildings are the most beautiful, they're 1960s buildings but you can look at the balconies, people have plants, people have really put their life into their community. so i've been work through lafco with the tenants there for the last year or so. we do meetings where the average number of years that residents have lived there is about 30 to 35 years, some families have been there for 50 years. there is been some turnover but people are really committed to their place and i think when we talk about climate resilience, it is not just about kind of

the technological solutions but also the community solutions and the community resilience and commitment to place. and maybe there are a couple more slides. so now we're facing, these buildings were built in 1962 so how are we going to bring the buildings to meet the needs that the residents have. talking about preservation, mean thating we preserve something exactly the way it is but it's got to evolve and meet our climate goals but in particular in the case of mid-town goals around aging and folks have gotten older at the time. i think that's it. >> thanks fernando and the work that you're doing with that community with the western editions and it's absolutely incredible, it's yeah, i can say about that.

so, so shaunty, musical housing, how would that help us achieve our climate? >> the easiest answer is a form of, we cannot rely on market cycles for housing production or acquisition but definitely housing production, if we're series about our climate goals and to ryan's point, there is not enough housing. so we need, we need some sort of counter cyclical program for housing reduction, we just do. and again, i understand it's hard for any city to do this alone. i think they recognize this, right? we have very ambitious production goals particularly for low income people in our regional needs assessment. i think it's, and when we talk about also the history of san

francisco in the bay area, we talk a lot about the low income but we don't talk about that low income jobs are created in the same quantity. so yeah, i mean, we're going to why we need municipal housing, right? i mean that's why we need it. and we also need, we need the government to get back in the business of buying housing or building housing or investing in-housing and that can look different in terms of what we want them do. obviously, there is a fraud history of public housing. although, i would add that there is a forgotten, much like the tenants of mid-town saying that i know my housing has problem but i don't want to you tear it down, i want you to fix it. i did go to vienna and i had

the honor and we went to like the big beautiful complex, and so still very well maintained. and i was with them, that said, okay this would be our housing. so it's not necessarily, i think we have to, and it's going to be tough because it's so ingrained in people's minds. i don't think we have any other choice because you know, we have a housing crisis, we have a climate crisis, there is simply not enough housing and this is the only way that we can build it. >> santi i just want to time check, i know we're at 3:30, do you want to tell me how it's going?

okay, that sounds good. all right, this is for you, ryan, how are you? >> i'm well, thank you. >> okay, how could low interest loans from a green bank be combined with the current rebates from bayare not on and other financial programs. >> great question, i think, as you know, a lost these rebate programs and tax credits from the ira, the reduction act, require one on the case of bayron projects incentives, those are provide once construction is complete. the tax credits are provide depending on the tax share so sometimes you're looking at, you know, a year to close to two years before you see that money. and as of building operator,

just carrying that is not an option. so you know, there are commercial loans available for that but i think a lot of these operators don't have, either they don't have good credit or they don't have loans to take. i think a green bank can provide that access to capital lowering the barrier to getting that and kind of increase the through put make projects happen sooner, rather than having to bank. they can provide that kind of like a bridge loan but better terms. >> thank you. i appreciate that. one more question and then we can take it to the audience. how do san francisco house hading and climate goals need to align? and what is the best housing

solution to housing in san francisco? >> ooh, okay, let me tackle the first one. i think that, today, between the public banking conversation municipal housing conversation, there is sort of, these two pieces that are integral to both our climate solutions and our housing solution. and one is, a deep public investment that we need. and then matched with the lending that is not the kind of thing that we're dependent on the profit banking system. and, you know, for folks who have been in the climate transition, space that idea of deep public investment in is something that we're very familiar with. in the housing world it's sort of for a lot of people, still the market is going to solve this. it's kind of where, i think a

lot of, early kind of climate discussion may have been in the 90s, we're thinking about what is the role of a, we're going to have a whole bunch of solar panels and a lot of people will make a lot of money and somehow that is going to be equitable, so i think that's where the things come together is that thinking about, the depths of the public investment that is needed but also the system structures that need to be created. >> all right, can we get a big hand for our panelist in [applause]. thank you so much. i really appreciate the contributions. i would like to open it up for the audience for q & a, ooh

eager beaver, but i do have one request, my hearing is not that great, can i hand you the mic. >> hi there besinger as individual native now working in tech, i do believe that the low income people do need this housing. i think the housing is when it's only targeted at low housing, it does not get. what your feelings about mixed housing. ? >> great question. >> all right, okay. that is a great question, that is the million dollars question, or trillion dollar question in terms of, there is a lot of. i think that this is the number one thing that people are struggling with. it's not affordable. it's tricky because when we talk about mixed income t means

different words to different people. and vienna, does they have this idea of cross subsidy, but they also have public investment, only 40 percent of the systems revenue south side coming from the cross subsidy. 60% is coming from the tax. so it's an either or there, but it's hard, compare, they have much less income than equities than we do. they're far more racially hamogenous, you know, because it's all about segregation in the united states. it really is, we've come up with a fancy phrase to talk about this which is targeted universalism where you want it to be accessible to all, that is the goal. but you can't, if you start the process without thinking about how you deliver the housing to

the people that you need it most, you will definitely leave those people behind. so yeah, i think there is been there is been a lot of debate that i think is fortunate about not, either you're saying that but treating public investment is mute cally inclusive facilities, it's both, not just seenia. and also facing significant challenges, there was an article that i read a few days ago, about how a lot of the affordable housing subsidized housing for those middle income because they want to use that, they need that to process the rents of a lower mi affordable

housing. and about 80 percent of that housing is vacant right now. either some decided, the process is too hard. i think we cannot rely, too much on just across the city because like, i think that will not necessarily work and also, you'll run into the same problem that's we're having with the tax credit housing where you end up really leaving out the people who need it most. and that's not a small segment of the population. it's like a quarter of them are extremely--not like a neech consistency. >> thank you so much, shanti.

let's take two more questions in the audience. ooh, yeah, okay. how about you? how are you? >> i'm well thank you. i'm santiago, i work in sustainable design and construction. so enabling faster and better municipal housing, we talked about i policy and financing and there is the construction piece which is where i come in. i'm curious, there is a trend a lot of, prefabricating things onsite, it allows you to design and build with higher toll anses, making high energy efficient buildings, reducing by 50%, reducing costs i'm curious if the construction has been part of the strategy on how you're all thinking about municipal housing. >> thank you, i don't want to

talk over there so you've got to use the other ones. or not, here. here you go. >> i would be interested how the department has selected that. i believe it is a trend that is really important to explore and understand in the affordable housing sector, we recently build three buildings with prefabricated construction. i know at least one of them went south really big and that developer will probably never try to do it again. part of it, is that there are those, well a, there is the exactness and in, of building things off site and under a roof.

so you've got, so you're able to do, a lot more precision, but the inspect or are federal inspect or who look at this, so you've got this whole process of what happens when that unit gets transferred into san francisco and then you've got to keep it tightly sealed so what happened in this project is the units were being stacked and then it rained. and mold started growing inside, whatever. horror story. which is all just to say that we're still in very much a learning process of how to do it right and how to avoid those things. so there is a lot of environment technologies. there is a lot of selling, this is really great. this is the technological solution that's is going to get us there. and it is that and still a

cross, we're still figuring it out and there is going to be horror stories on our way to getting better technologies. i don't have a lot to stay, that's a building inspection kind of question. >> okay, just wanted to give you a chance. okay, one more question in the back, here you go. that's okay. >> thanks for providing this wonderful conversation. i work for a company that offering the ownership, you mention the affordability, housing affordability and the housing shortage. and our model is a little bit unique approach that balance the supply just wanted to know,

how you guys think about fraction ownership whether it applies to investment home, first a home and then a senior home will that, going to affect, the long term making lasting impact such as, if we be able to allow more senior home allocate them in more, let's say senior home, maybe we can match them up offer them fraction ownership to leave living in a very nice t a aho home, then you have more supplies that provide you the first time buyer. just wanted to have you, get your feedback and see how you have, think about this sector and see if this practical organization making strategy site.

oh "er company is called cohome. >> yeah, i'm still learning a lot on cohome ownership. as somebody who does a lot of tenants rights and tenant policy work, my first concern is always, what if let's say that your landlord is a fractional loner, an--owner, do you need ten people to get things fixed. that's the question. sxl then there is fractional ownership, i'm loosely defining fractionalship. but also, for example, hope would know this better than i can, there is a real estate cooperative, on the board but president of the east bay cooperative and those are models and there is people

talking about what a pack would look like in san francisco where you have people individuals being like investors that they have some kind of voting power and that's what funds acquisition funding. i don't know if that helps but that's how that is working. >> fraction al ownership. >> i think that was a great summation, i don't think i would have said it any better. every one take out our phone with google cooperative homes, i think it's brilliant and wonderful extension on what cooperative can be. reimagined through the voices of community, and one right now happening in oakland, east bay real estate cooperative bipoc lead, fantastic, really amazing folks and the work that they're

doing there. all right, i'm going to rap this up, quite gracefully. it was such a pleasure having you all here today and thank you so much for your engagement, wonderful audience, really appreciate you. [applause] >> all right, quickly want it say thank you very much for all of you coming. it was nice to see the rsvp list. i'm sorry we don't have anymore time for questions. i'll be sending out the slide deck to the list, if you feel like contacting me, my name is jeremy and i could welcome any other feedback that you have on these projects to pass on the panelist. and if you're interested, you're going to walk across for a little more discussion, i'll be happy to talk to you more. thank you for the san francisco port for having us and our lafco chair connie chan for the

opening welcome and thank you. [applause]

>> in the bay area as a whole, thinking about environmental sustainability. we have been a leader in the country across industries in terms of what you can do and we have a learn approach. that is what allows us to be successful. >> what's wonderful is you have so many people who come here and they are what i call policy innovators and whether it's banning plastic bags, recycling, composting, all the different things that we can do to improve the environment.

we really champion. we are at recycle central, a large recycle fail on san francisco pier 96. every day the neighborhood trucks that pick up recycling from the blue bins bring 50 # o tons of bottles, cans and paper here to this facility and unload it. and inside recology, san francisco's recycling company, they sort that into aluminum cans, glass cans, and different type of plastic. san francisco is making efforts to send less materials to the landfill and give more materials for recycling. other cities are observing this and are envious of san francisco's robust recycling program. it is good for the environment.

but there is a lot of low quality plastics and junk plastics and candy wrappers and is difficult to recycle that. it is low quality material. in most cities that goes to landfill. >> looking at the plastics industry, the oil industry is the main producer of blastics. and as we have been trying to phase out fossil fuels and the transfer stream, this is the fossil fuels and that plastic isn't recycled and goes into the waste stream and the landfill and unfortunately in the ocean. with the stairry step there will be more plastic in the ocean than fish. >> we can recycle again and again and again. but plastic, maybe you can recycle it once, maybe. and that, even that process it downgrades into a lower quality material.

>> it is cheaper for the oil industry to create new plastics and so they have been producing more and more plastics so with our ab793, we have a bill that really has a goal of getting our beverage bottles to be made of more recycled content so by the time 2030 rolls around t recycle content in a coke bottle, pepsi bottle, water bottle, will be up to 50% which is higher thatten the percentage in the european union and the highest percentage in the world. and that way you can actually feel confident that what you're drinking will actually become recycled. now, our recommendation is don't use to plastic bottle to begin w but if you do, they are committing to 50% recycled content. >> the test thing we can do is vote with our consumer dollars when we're shopping. if you can die something with no

packaging and find loose fruits and vegetables, that is the best. find in packaging and glass, metal and pap rer all easily recycled. we don't want plastic. we want less plastic. awe what you we do locally is we have the program to think disposable and work one on one to provide technical assistance to swap out the disposable food service to reusables and we have funding available to support businesses to do that so that is a way to get them off there. and i believe now is the time we will see a lot of the solutions come on the market and come on the scene. >> and is really logistics company and what we offer to restaurants is reasonable containers that they can order just like they would so we came from about a pain point that a lot of customers feel which

wills a lot of waste with takeout and deliver, even transitioning from styrofoam to plastic, it is still wasteful. and to dream about reusing this one to be re-implemented and cost delivery and food takeout. we didn't have throwaway culture always. most people used to get delivered to people's homes and then the empty milk containers were put back out when fresh milk came. customers are so excited that we have this available in our restaurant and came back and asked and were so excited about it and rolled it out as customers gain awareness understanding what it is and how it works and how they can integrate it into their life. >> and they have always done it and usually that is a way of

being sustainable and long-term change to what makes good financial sense especially as there are shipping issues and material issues and we see that will potentially be a way that we can save money as well. and so i think making that case to other restaurateurs will really help people adopt this. >> one restaurant we converted 2,000 packages and the impact and impact they have in the community with one switch. and we have been really encouraged to see more and more restaurants cooperate this. we are big fans of what

re-ecology does in terms of adopting new systems and understanding why the current system is broken. when people come to the facility, they are shocked by how much waste they see and the volume of the operations and how much technology we have dedicated to sort correctly and we led 25 tours and for students to reach about 1100 students. and they wanted to make change and this is sorting in the waste stream they do every single day and they can take ownership of and make a difference with. >> an i feel very, very fortunate that i get to

represent san francisco in the legislature and allows me to push the envelope and it is because of the people the city attracts and is because of the eco system of policy thinking that goes on in san francisco that we are constantly seeing san francisco leading the way. >> kids know there's a lot of environmental issues that they are facing. and that they will be impacted by the impact of climate change. they will have the opportunity to be in charge and make change and make the decisions in the future. >> we are re-inventing the way the planet does garbage founded in the environmental ethic and hunger to send less to landfills. this is so many wonderful things happening in san francisco. i feel very fortunate and very humble to live here and to be part of this wonderful place.

[music] san francisco developing programs specific low to increase the amount of affordable housing throughout the city. >> the affordable housing bonus program provides developers to

include more housing for i have low, low, moderate and middle income households. this program does not rely on public subsidies but private developers who include it part of their project. under california density bonus law. housing prejudices that include affordable on site may be request a density bonus. it is an increase in the number of housing units allowed under zoning laws and based on affordable units being provided. >> however, the state law does not address all of san francisco needs does not incentivize middle income housing. associating the city is proposing an affordable housing bonus program for higher levels of development including middle income u firsts providing a stream lined application review

and approval process. >> how does the program work in it applies to mixed use corridors in san francisco. and offers incentives to developers who provide 30% of affordable in projects. to reach 30%, 12% of the units must be affordable to low income household and 18% per minute nap to middle income households. >> in exchange developers will will build more and up to additional 2 stories beyond current zoning regulations. >> 1 huh human % affordable will be offered up to 3 additional stories beyond current regulations. each building will be required conform to guidelines ensuring meets with the character of the area and commercial corridors. this program is an opportunity to double the amount of affordable housing and directly address the goals established by

twenty 14 hosing element and prospect k paddled by voters last year. pacificly, prop circumstance established a goal that 33% of all new housing permanent to low and moderate incomes this program will be the first to prosecute void permanent affordable projects that include middle income households. to learn more about the program visit

>> we have private and public gardens throughout the garden tour. all of the gardens are volunteers. the only requirement is you're willing to show your garden for a day. so we have gardens that vary from all stages of development and all gardens, family gardens, private gardens, some of them as small as postage stamps and others pretty expansive. it's a variety -- all of the world is represented in our gardens here in the portola. >> i have been coming to the portola garden tour for the past seven or eight years ever since i learned about it because it is the most important event of the neighborhood, and the reason it is so important is because it links this neighborhood back to its history. in the early 1800s the portola

was farmland. the region's flowers were grown in this neighborhood. if you wanted flowers anywhere future bay area, you would come to this area to get them. in the past decade, the area has tried to reclaim its roots as the garden district. one of the ways it has done that is through the portola garden tour, where neighbors open their gardens open their gardens to people of san francisco so they can share that history. >> when i started meeting with the neighbors and seeing their gardens, i came up with this idea that it would be a great idea to fundraise. we started doing this as a fund-raiser. since we established it, we awarded 23 scholarships and six

work projects for the students. >> the scholarship programs that we have developed in association with the portola is just a win-win-win situation all around. >> the scholarship program is important because it helps people to be able to tin in their situation and afford to take classes. >> i was not sure how i would stay in san francisco. it is so expensive here. i prayed so i would receive enough so i could stay in san francisco and finish my school, which is fantastic, because i don't know where else i would have gone to finish. >> the scholarships make the difference between students being able to stay here in the city and take classes and having to go somewhere else. [♪♪♪] [♪♪♪] >> you come into someone's home and it's they're private and

personal space. it's all about them and really their garden and in the city and urban environment, the garden is the extension of their indoor environment, their outdoor living room. >> why are you here at this garden core? it's amazing and i volunteer here every year. this is fantastic. it's a beautiful day. you walk around and look at gardens. you meet people that love gardens. it's fantastic. >> the portola garden tour is the last saturday in september every year. mark your calendars every year. you can see us on the website . >> golden gate parks largest body of water ska great labor

for scrolling and picnicking and both miking which can both be rented at the boat house and the lakewood design for leisure boatings and carriages and a treasure trove passing hunting ton water falls two bridges connect the strawberry island and inclient to the hills the highest upon the in golden gate park and more than free hundred feet and you can catch glimpses will from the city at the top of a romantic look out and for fo.

one. welcome to the small business commission meeting on april 22nd, 2020. for the meeting is being called to order at 4:33 p.m. this meeting is being held in person in city hall, room 400 and broadcast live on sfgovtv. the small business commission thanks media services and sfgovtv for televising the meeting, which can be viewed on sfgovtv two or live streamed at sfgovtv. org we welcome the public's participation in person during public comment periods. there will be an opportunity for general public comment at the end of the meeting, and there will be an opportunity to comment on each discussion or action item on the agenda. public comment during the meeting is limited to three minutes per speaker. an alarm will sound once the time has finished. speakers are requested but not required to state their names. sfgovtv. please show the office of small business slide