audited files, all the files would need to be looked at a new. we suggest this committee recommends the comptroller be consulted to commission a true forensic audit, one that can be used potentially by the d.a.'s office and the district -- the other of it -- other office. >> thank you. i had that conversation with the district attorney and i am very pleased to see the level of interest and commitment that he has to this issue. i personally think that asking the comptroller to conduct such a forensic audit not only looks more in-depth at the 382 loans that were reviewed by the assessor recorder revealed, that

we also look at the entirety of the foreclosures. i know we are talking about 2405 foreclosures. i am not sure how many of those are residential. i think that having something that does that would be very useful and helpful. i am not sure if supervisor of a los, in terms of proceeding along those lines, if that is something we should include in the body of the resolution when we call upon the controller to work with the district attorney and city attorney to conduct a forensic audit of all foreclosures that have taken place in san francisco think that might be something to include in the resolution. [applause] >> thank you and thank you for

your patience, to be here and hear the comments. it is widely felt there is a lot of corporation that record nation that needs to be done. i just have one follow-up question. work closely with organizations like the san francisco organization, or other groups that are doing any of this work that needs consumer protection. is that something that is being done? >> i cannot speak specifically to those agencies and what involvement they may have. i can get back to you on that. we have tremendous amounts of outreach in this area, and a lot of education on the basic topics of foreclosure, scams for the most part, in a consumer fraud area. we have a consumer mediation group. we try to help educate the public about the kinds of things

they should be aware of. there has been a number of very devastating types of foreclosure. help, rescue type of scams that have been out there. we have been in the community tried to educate as many people as possible, particularly focused on the elderly community. if they are hard hit. and also the spanish-speaking community. it was hitting the russian- speaking community, as well. these folks are out there. education is key when it comes to making sure people know what may look like help is really going to be not help, in fact, if they go this way rather than that way, they may lose their home. whereas, if they had not paid some money to this particular person, they may have actually been able to save their home. that is incredibly important. education for the residence of

census is good to know about. this other area, the one you are focused on here today, in terms of all the problems that have come about as results of the foreclosure crisis in general, is one we are interested in understanding how we can better serve the community through our consumer protection folks and any else -- anyway else we can. >> thank you very much. >> thank you for inviting us today. >> before we open public comment, there is one issue i need to address with a previous vote that we just felt. i will wait until public comment is coming. >> i was about to call a couple cards. >> colleagues, the clerks have alerted me that the item number two that we passed unanimously, that there was a simple amendment of one word. i would like to call us to ask

us to resend the vote. can we resend the vote without objection? thank you. colleagues, i would like to introduce an amendment that is basically page three, line one. it is inserting the word there is "no" effect on the environment. just adding the word "no." canada pass this without objection? thank you. let's resume with item number 3, 4, and five. >> thank you. the last part is to hear the rest of the, that is here. i want to thank the public to have lasted this long. your presence here is very important as we discussed this important topic. i have cards in the order they have come to me. let's go through them.

patrick. stardust. gigi. pat stevens. linda, looks like, winner or winer. maria. burna. there are more cards. >> good afternoon, supervisors. thank you to holding this meeting. -- for holding this meeting. >> i have not read all the cards. there are a lot of cards. want to get to the speakers. >> patrick munk. in a radical irritant to my supervisor.

one thing that did come up, the issue of access and outreach. many residents did not hear about katherine's situation until about four or five days before the eviction was schedules. we did not have much time to do anything. part of the reason for that is that catherine did not know who to reach out to, where to go, or who to get information from. i would like to say that although we are often on opposite sides of issues, i do want to thank scott because i was able to call his office when he was out of town and he actually prepared a letter and got it sent to ask the sherer's department to delay the conviction for least 90 days. i think that is the kind of action that you as a body need to take. i hope scott will at least contained -- at least consider

getting on board and try to do something about the situation that is going on. we all know this is kind of slime on top of a deep pool, and it has to be stopped or we will all suffer. i think we are likely to see this happen more, especially in areas like the valley, the banks are building up because they are not building affordable housing. i was just a couple of other issues that piggyback into this. one is john's proposal to start a municipal bank. the other is to remind everybody that every day is bank friends for a day. i would be interested in knowing how many foreclosures have occurred to people who have their mortgage without local credit unions as opposed to wells fargo. i think that is about all i can put in except to say that one thing -- reparations and

restoration. thank you. >> thank you. if i call your name, please come forward. juliet. route maria. -- maria. jinny jordan. christie. susan harmon. jose. sorry -- misha. sgues. brenda. erin. grace. you can come in any order now. you want to wind up in the center aisle? 0>> good evening, ladies and

gentlemen. my name is gigi. i am in my own home as a single woman. it is a dream of everybody. i wanted to come -- and was going to speak about a different subject, but listening to the german report was exactly what is happened to me. i lost my house two years ago -- almost three years ago -- to foreclosure. i have a very good attorney but i will not be able to afford him much longer. within my home, i usually take care of sick and dying people. at a time when the house was foreclosed on, i had two foster children in the home and the gentleman who is currently living there now -- he has pulmonary fibrosis. we are at the -- we are going to court on the ninth of this next

month to see whether the foreclosure is legal at all. what we are going to court over is actually over -- the judge recognizes the paperwork was not filed for my foreclosure until after the foreclosure was already done. what i am asking for is help with all the foreclosure issues, not just before closure coming up, but the foreclosures who -- that actually occurred. for those of those -- for those of us who are fighting. >> thank you very much. next speaker, please. >> hello. i am susan harmon. i am the program director for the public banking institute. the best prevention for for closure is punishment of the banks. i feel like we have been

tiptoeing around it all afternoon. they are criminals. they needed to be treated like criminals. it is the brilliant audit that we have done already, if it has not been good enough, we need to do more. thought that was done in pilfered county, north, and the one in massachusetts, those recorders are refusing to except for closures until what they call a crime scene is cleared up in their offices. we can refuse to accept any more foreclosures. we must prosecute. we have lost filing fees for all the papers the banks did not bother to file. we lost transfer taxes at some level of government. one of the things that is not -- i cannot tell because i have not seen the actual documents in

the package -- but nevada has passed a law requiring an affidavit listing the paper said should be filed. that has cut foreclosures from 4000 a month to a 1000 a month. that is something that needs to be done. we need a class action suit. it is clear the federal government will not prosecute any of the banks. that is crystal clear. i think the feds have bought off our ag's, unfortunately. i do not know, but the strongest earlier is gone. i think it is up to us. a class-action suit. there is a nice convergence -- a few more things. >> we cannot allow more time. they were all a part of the

presentation. please. thank you. [unintelligible] thank you very much, now speaker, please. >> thank you for your time. my name is julian. when my group came together, we found through research that there were 85 foreclosures internal heights. we are not nearly one of the hardest-hit neighborhoods. that is just a drop in the bucket compared to the bay view. but it is still a lot to us. when we began going door-to- door, we found that almost everybody we were talking to was latino or african-american. the pattern in in bernal heights is a mix in come

community to an all-white community. we are here to stop that from happening. he have to fight tooth and nail against the banks to make sure that happens. if we have had to go to john, the ceo of well fargo's house. we did a mock for closure of his house. we had to go to a board member of wells fargo and fight there. that is what it has taken just to get auctions of our neighbors postponed. with all respect to the mayor's office of housing, when he says that we cannot take action locally, this is a bigger problem, of course that is true. but this is about, what side are you on? will you take a stand in support of homeowners and tenants who are losing their homes, or not? i think it is as simple as that.

the report shows that 84% of foreclosures are illegal. frankly, any other thing, if you are making parachutes and 84% of your parishes are failing, you would stop making those parachutes. i think is the same principle with foreclosures. the problem goes well beyond foreclosures that are illegal. the fact is, if people are getting kicked out of their homes because they cannot afford to pay their mortgages because they were given predatory loans in some cases, they lost their jobs, they are not making enough money in this economy, they are working part time, they have unmet medical needs, so the question is, to the banks, based on their profit margins, get to decide who is in our neighborhood, or do we, the residents of san francisco, get

to decide what kinds of neighborhoods we get to live in. so i think it is up to the city attorney, the district attorney, the mayor, to come down on the side of the homeowners and not on the side of the banks. thank you. >> think you very much. [applause] next speaker. >> i will pass and let somebody else speak. i think other people have more elegant speeches than i do. >> thank you. >> think the supervisors who are supporting this. in 75 years old. i am so angry. i cannot believe that people are crying about what is happening to other people. and racism. in a white woman and i do not want to participate in the racism that comes down by the banks and other people. not in my name. not in my name. i am so angry.

the bank should be fine, they should pay that guy who is a counselor and hire more counselors to work with people. the money should be spent if. they should be criminals. it is a criminal act. we have to stand up when evil exists. the evil that is going on, these people who have been a victim all over our country have been workers. they work for this country. a lot of and died as veterans in this country. they are trying to be good and to the dream of america. which has screwed them. we are being screwed. it is capital corp. laws and that is killing s and i hate it. anyone here who works here as a supervisor that does not support this, i will work my ofass off

because it is going against the people. he was hired by the people, not the rich. do not sell us out. [applause] >> thank you very much. next speaker, please. >> my name is christie. i work with other community groups. i completely echo the previous person's statements. i am really here because of the red zones in the city. they personally -- it makes me -- i am deeply pained by the pattern of exclusion, racism, that is behind all of the loan making patterns that have probably been building up for at least 10 years and now we are seeing the results of it. most families in sanford cisco happen. -- have been facing economic catastrophe.

there is a story behind almost all of the foreclosures. it is very important that, as we move for. not just that we have a moratorium, but we also work to have affordable loans for everyone, and that means may be working with a 1200 -- $12 billion that is designed at the attorney general's settlement for loan modifications or principal reductions, but i suspect we need more than that. or possibly new models, as mr. donaldson suggested. that would involve nonprofits. >> thank you very much. next speaker. >> good evening, supervisors.

>> can you speak right into the mike, please? >> i am sorry. a member of occupied staff, and modern schrader of santoses go free freedom fighters against foreclosure. i will also -- in 2006, my house was embezzled. i was in court for six years. last july 15, the court returned the property to me. 45 days later, bank of america bought my house for $275,000 for my embezzlers. now they are threatening to evict me. this means that that is the home that i have bought from my child, who died. all of my memory of my child is

there. most -- people of color who worked all their lives to secure something for the future of our children, who are being deprived of our dignity and life possessions. there initiating a petition addressed to vicky to demand that she does not enforce the foreclosures. also, encouraging people to transfer their business and personal phones to corporate banks from corporate banks -- from corporate banks to credit unions. think you. >> thank you, now speaker. -- next speaker. >> a he high.

ace is a part of refund california. a coalition comprised of 1500 groups. unions and faith-based organizations. kevin stein came up earlier to speak about the efforts we collectively have have been pushing in this state. i'm here to talk about the need for a moratorium. right now, with a lot of people who have come up, we have had to deal with a lot of cases face to face. knocking on doors, people calling at all hours meant much of the success we have had recently has taken a larger activist to keep up the fight. i note some of you are familiar with this. we're trying to get a case against wells fargo was no due process.

i hope -- in what universe and what scenario is as low is it ok to mess up in the process and still have mistakes at the end and you are given money at the federal government and there's no repercussion for any of the work you have done. i think a lot of this is that we really need a moratorium. the banks are not ready. he have demonstrated this in the last five-six years. they continue to foreclose on families without a real due process. we need to make sure that, if we want to look for solutions, that we have the time and space to do that. can i finish? the capital model is one of many solutions, mandatory

situations to make israel. need the time to do that. [applause] >> thank you. next speaker, please. >> hi, my name is robin. i have been a san for cisco resident for 20 years, now. i want to thank everybody that i've heard today. i do not think there is anyone i have listened to that i have not learned from. i want to thank supervisor wiener, who i've never had the experience to meet since i voted for you. supervisor of a los for offering the bill. i am a door knocker. i have been going with troops from the occupy center cisco housing coalition would support of ace and the santoses attendants union, so the kind of outreach we are doing is we are combing the internet for names of people who are in

foreclosure, whether owners or tenants, and we go and offer them resources. the look of gratitude on their face when they actually admit they are in foreclosure and the way they practically snatch the paper out of your hand, they are so grateful for those resources, is i opening. i would urge all of you to take a torn -- take a turn door knocking. we would be happy to hook you up with an afternoon of it. i did hear one story that was particularly, it is etched in my mind. i was handing out fliers for a community meeting we are setting up, and we went to a multi function office where you can go and use the fax machine or buy tickets tor you can get your paperwork notarized, and the owner of the shop looked at me and said you are about two years too late.

i hope not. i hope there are a lot of people out there we can still help out. by enforcing this moratorium. i would also urge you to keep the public informed along the way if this thing passes. let us know the progress of what is going on. i was asked to present the 60 signatures that he collected in support. >> thank you. >> good evening, my name is aaron. in an organizer with ace. i support the moratorium and the support of the attorney general homeowner bill of rights. i have been able to interact with a lot of families that are somewhere in the foreclosure process who have already lost homes. monocot had to leave before she got a chance to speak today, but she was offered a forbearance

agreement by wells fargo when she was unemployed. her home was sold at public auction the next day if even though she made a payment the day before. she is now still in negotiations with wells fargo. they are not negotiating with her. she is waiting for weeks at a time to try to hear something. we try to stop her conviction and have her home resend it. her case highlights this process where homeowners are often in limbo, often waiting. we will send in paperwork for seeking assistance. maybe sometimes have hope of it, yet too often have been snatched away and often without their knowledge and last minute. it seems like this due process ps is clearly something that is needed. i think the last of faith -- lack of faith at this point with people i've talked to with the

banking institutions in this country, something we need to continue to address to and fear and how to create new programs to figure out how to create families in new homes. as the six families who have been hard-hit by this crisis. thank you for your work and let's keep pushing. thank you. [applause] >> thank you. are there any other members of the public would like to comment? seeing none, we can close public comment. >> thank you. public comment is closed. we had two hearings, and then before us is action item number5, the support for state and federal measures to protect homeowners and a special of activities and santoses go. in conclusion, supervisor? >> al qaa