san franciscan. i'm born and raised. i'm the grandson of two immigrants, one from spain, one from russia, you know. and i'm here to help -- to hope that you vote for san francisco cares, you know. it's a process, you know. we live in a diverse city. if i look at the board of supervisors, now, i'm looking at you two people. you don't look any different than the people behind me. without them, you won't be here. and if we get a lilly white board of supervisors, we're in trouble. [laughter] you know? it's a slow process and it's a beautiful city, you know. i've lived here 69-1/2 years and i've seen a lot of change, you know. the farmers market, i used to go play down there in the swamps when we were kids and --

please, vote with your heart. give us a chance, you know. and i was appalled when i seen those buses being turned back. i would be shamed this is not the country i fought for when i was in the service, to turn away people. mr. campos, you know, i hope that it goes right for you. you know, think with your hearts when you vote for san francisco residents, you know. my kids are going to get a home that they inherited, they're not going to be able to afford to go out and buy one. so, think about it. bye. >> thank you. next speaker. (applause) hi, good evening. i'm here to support the s.f. cares program. i've been [speaker not understood]. i applied for [speaker not understood] denied and denied until i was evicted out of my home. and please support the cares program and, and please, thank

you. (applause) hi, good evening. i thank you all. my name is margaret [speaker not understood] and i'm here to support everything in front of you on this particular issue. i've been living in my home. i raised my three children and now i am treading water. i want to keep my home. i want to leave that home to my children when i'm gone to the other world. so, i urge you to please support us because we are working community. we work so hard for our home and it's not so we lose it because this bank are taking over. i left my job two years ago. i'm an organizer and i'm an advocate for the children and the kids that [speaker not understood].

so, i know well what i'm talking about. so, and someone mentioned earlier, we the people of color suffer twice. we pay twice. so, i'm in the excelsior district and i'm facing problems. and i'm also an immigrant. i came long, long time ago, even though i don't have the issues that we're facing, [speaker not understood]. so, i urge you, i implore you, please support, give us your vote. thank you. (applause) >> next speaker. good evening, supervisors. my name is amy shore. i'm the statewide campaign director for the [speaker not understood]. i think many people know we have been fighting in the trenches the last four or five years to save homes and stop

foreclosures. we worked with a.g. harris to pass the bill of rights. we have a long way to go. i'm obviously here to support the resolution on cares community action to restore equity and stability. and i'd like to thank supervisors avalos, kim, campos and mar for co-sponsoring this. i'm sorry we're missing some of the supervisors here, but there are good reasons why it's not easy to stand up to wall street. they have us all in a debt trap. individuals and municipal government, which is why we need our municipal public bank, but that's a fight for another day. and talk about toxic stress, yes, anyone who has tried to negotiate with their bank about the terms of their mortgage, wall street is used to setting the rules of the game and we know what that game has done to communities, particularly communities of color, causing massive loss of wealth, massive displacement that is being accelerated here in san francisco. one element of their game is buying and selling of loans, the loans which, you know, homes, homeowners and lives are

attached to and often these loans are being sold to wall street speculators, some of the largest private equity firms in the country [speaker not understood]. with the cares program we have an opportunity to intervene and acquire the under water loans and get good actors to fix them. we make sure the city is protected. the city of richmond and other stakeholders to have the joint powers authority to negotiate a contract with the private partner, a private partner who commits to covering operating support, quality legal support, commits to indemnifying the jpa for [speaker not understood]. we're asking you the board of supervisors to -- there is no other program for these particular folks and for anyone who questions whether these homeowners deserve help, i've looked at these loans and if you know anything about [inaudible].

>> thank you very much. [inaudible]. >> thank you very much. thank you. next speaker. (applause) hello. i am speaking on behalf of prop 74 so you guys can vote for it. i'm here -- [inaudible]. >> this is the daughter of hector castro. he's lived in the bayview for

10 year. they've been fighting to keep their home for four years. it's desperately under water. it's hard for families to speak on this. i just came upright now to talk. do you want to say anything? i think we've all been talking about foreclosures for a while. you've heard a lot about people complaining how the federal government and the state government should do something. ~ i think we're tired of hearing and listening crocodile tares. ~ tearses. these are real tears of families who want to stay in their homes. we're asking that you support item 74 and the joint powers of authority. (applause) >> thank you. next speaker. first of all, i've got to say the food that you serve for the [speaker not understood] housing program is horrible,

especially for a city that gets $8.6 billion. i've seen food that was molded [speaker not understood]. don't let richmond out liberal san francisco, for real. as far as san francisco, i heard a black man, black businessman from texas call san francisco johannesburg. he's from texas, you know. so, then another thing, too, is i think you have a chance to use outmigration the right way because the first time it was used or it's been used in the past ts' been used to get rid of people like me and destroy the african-american social hub and i wonder how the black community would be today if that social hub wasn't destroyed. that's pretty much it. (applause) >> thank you. next speaker.

good evening. my name is [speaker not understood]. i'm a resident in [speaker not understood]. i lost my house to the bank in march and they sold my house for $4 49,000 [speaker not understood]. actually, i wasn't able to beat the odds and gain my house back. in 2011 i had a judgment from superior court [speaker not understood]. refused to reregister the property in my name. he registered it to bank of america instead. so, now [speaker not understood].

the house is gone. you know, [speaker not understood]. it's not just me. [speaker not understood]. we are down 3.6% [speaker not understood] with the cares program. do not participate to environmental genocide. let's call it what it is. do not prostitute your soulses. [speaker not understood]. ~ we're going to make sure this doesn't happen. we need your support and you need your honesty and integrity to be with us for cares. thank you. (applause)

my name is mike brown. i'm a member of ace. thanks to ace i've been paying my mortgage with wells fargo since 2007 when it was originally [speaker not understood] at 7.2% interest rate. and for the past two months, i'm not paying it no more. i'm staying with ace and if they can't reduce that interest rate then we're going to go to court and we're going to take it in federal court. but i really want to tell y'all that we're talking about revolution and ideas and things that they're talking about outside the box, using general fund money for the school district when the school district probably needs more help, could have put a lot more in the neighborhoods to stop this violence. you know, you guys are talking about the immigrants. i don't like the way they're treating the kids and all this, right. so, let's not stop being revolutionary when it comes to helping these people save these houses. (applause)

because the real, the real help when it came, if you guys have these initiatives that y'all just put aside for these developers put aside, 10, 30 million for these low-income houses, where is the commitment trickle down some of that in the community? we say [speaker not understood] but i don't see it coming back. maybe they're giving a few jobs. they're making record profits. so, you know, i like mr. avalos's idea. we need these community banks to be able to loan and get that social equity, man, you know. we ain't got to be a lawyer to these deep pocket political begers. i know you got people backing y'all. they have to have a heart, too, and give something back. on this one here, we need you. thank you. (applause) >> next speaker.

good evening, i guess it is. anyway, my name is [speaker not understood] and i came to speak on the issue of response to the [speaker not understood] suffering. it was very hurtful to me to see what happened here today. i know it's not public speaking before the vote, but anyway, i feel like francisco is not a sanctuary city to people who are suffering on spaeerctionv issues. ~ [speaker not understood] issues. san francisco is psychiatry and biological oriented. i was trained in the field. and i'm bipolar, and i got better in spite of the system that poisoned my first unborn child by prescription in 1987.

i've been in [speaker not understood] support housing. i was very mistreated in this city. nonprofits are extremely lucrative, millions of dollars. the answer is not so simple. what kind of drug are they going to give people, give you amnesia? everybody doesn't have a brain disorder that has a chemical solution. people have traumas, all kinds of things and it's not, you know, locking people up and druging people is not the answer. and we need housing. we need alternative services by peers, by cultural groups, language groups. it hurts me to see san francisco further stigmatize people. who is going to protect us from the providers, you know? from the psychiatrists? they have a lot of suicide rates themselves. dsm has path vthv >> aye. vx >> aye.

vv ~ path vx >> aye. xed [speaker not understood]. >> next speaker. thank you for this opportunity to speak. my name is mary joe [speaker not understood]. i've lived in san francisco and worked with a nurse for the last 49 years. four years ago my husband and i were four years into a losing battle to try to save our home and we bumped into the line in a cashier's line at safeway. someone who said he thought he could help. and i thought, yeah, right. but i checked it out and they were correct. and within two months they put on a massive campaign in front of the bank of america on 24th street and they took the 500 signatures to a main branch downtown and within 24 hours of that, bank of america called in 24 hours of that call, they dropped our mortgage rate from 6.5 to 3.625. that's how fast it can happen. i'm very grateful that we have

a home because right now there are 10 people living in it. that would be 10 on this, people. it's not a piece of cake. wells fargo would not work with us at all on our second mortgage. at age 70 i'm still working 50 to 60 hours a week as a bedside nurse to payoff a second mortgage so i can afford to retire. so, i'm really here to ask the support of this program to join with richmond. the financial institutions have circumvented the laws of free contract by fraud and bad faith. and what you have before you is a moral decision. thank you. yes. (applause) hello, supervisors. thank you for hearing me. i'm tony kelly. i live in potrero hill. i'm speaking the dissent of my neighbors throughout the southeast side of the city who

have been threatened by foreclosures and in support of s.f. cares. for enclosures have been a dee bill dating disease in our part of town, five, six years. ~ debilitating [speaker not understood] when that happens today. it's a very slow disease. if there was an epidemic, if there was a disease targeting one portion of the city, one population of the city, we would put resource he into it. we would treat it as an emergency. we would invest in it by any means necessary. that is what we need to do today. it's what we do. it should have happened years ago. walking through the [speaker not understood] scene, the lives in the real estate maps of home prices, bayview is not immune to that. we see the increasing home values, but we also have the highest unemployment rate in the city. that is the outmigration, ladies and gentlemen. that is the outmigration staring you in the face we need to take action on that. especially with the reset in mortgage rates that is coming

next year, it is becoming an emergency yet again. ~ and we need so many people in this room, so many people had to move for closure happened every day for years. every single day we could do something about that. every single day the people face and their neighbors take action against banks to try to save their homes. every single day the board could have done something about that. this is a chance for to you do it today. please move forward with this. please [speaker not understood] it should have happened a long time ago. i think supervisor avalos's plans for public banking and public resources are right on, we need to invest in those. we have the money to do it and it's a very rich city. if we can't do it nobody can. thanks for listening. >> thank you. (applause) >> next speaker, and if there are any other members of the public that wish to speak in general public comment, please step up. please step up. my name is grace martinez. i am the lead organizer for san francisco ace and of many of the people that you heard who are facing foreclosure are people that i talk to and even

seek out knowing that there is a way to fight back. i think that one thing that many supervisors -- and i, you know, personally i don't ever, when i think of city hall, nothing good comes to mind. and it's mainly because of the frustration and bureaucracy. and i think that right now, considering how many people this program can help, i'm just hoping that bureaucracy doesn't get in front of it. we have been fighting this foreclosure crisis. it's not a new problem. it's been since 2008 and we have a solution in front of us. the foreclosure crisis hasn't stopped. right now, numbers that we've gotten from the city, there are 283 homes that are in the foreclosure pipeline in addition to the 300 under water homeowners. that's close to 600 people that will lose their home unless someone does something. and right now in san francisco

the board of supervisors, the city that leads everything, is in the position -- in the position to do something. we have spent three years lobbying the state in regard to putting $57,000 against homeowners who are lobbying for themselves. we continue to pressure the federal government and today the board of supervisors has the ability to actually help people and do something about it? it would be unfortunate, sad and a line would be drawn if we can't see the supervisors today take a stand and actually side with people instead of banks. [cheering and applauding] >> final speaker. hello. it's now 6:20 p.m. so, good evening, supervisors. it changed from afternoon to evening at 6 o'clock. my name is jakkee bryson and i

am here to give you the next chapter in the continuing saga of my identity theft with irs and ftp, the franchise tax board. i received, although i received it on june 21, a letter dated june 30 of 2014, but it's irs. i don't care. we have verified your claim of identity theft, yea. actually, the state of california moved faster and verified my claim of identity theft and this related to someone filing a false federal 2011 tax return in my name of

jakkee bryson, using my social security number and my birth information. the only entities which had that information were my landlord and support services at the time. because of recertification, you're required to give all of your information. now, the further good news about the irs, irs doesn't like it when people file fraudulent tax returns, so, there is an irs criminal investigation underway. i only wish that i would be able to put the cuffs on myself. so, i'm doing everything in my power to provide the information on this form 39 49 ~ of the who, what, when, where, why and how, tndc lutheran services, it's on. >> next speaker, please.

supervisors, mr. president, my name is [speaker not understood] and i'm a neighborhood activist. i would support the kind of progressivism that's represented by s.f. cares [speaker not understood] clearly the situation that we have right here in san francisco, we are not doing enough for enough people. and naturally enough, the worst kind of pain and suffering is going to come down on the working class, low-income people, and people on fixed income, seniorses and children, of course. what i would suggest is almost impossible to change that equation when you have a board composed of people who are attorneys, high-paid, not only are they high paid, but they're looking at the kind of income you're earning. you're looking at entry level income that you're going to do better on, not the kind of pay that you get at the end of a lifetime's hard work final reward. no. it's going to get reversed. i was talking to a young lady here and she didn't want to

hear me. that's what i wanted to say. it's going to be very hard to change things. laura's law, the leading cause of death amongst youth in san francisco is homicide. what are we going to do, we're going to take -- ask more people to move into that? >> any other members of the public wish to speak in general public comment? seeing none, general public comment is closed. [gavel] >> madam clerk, could you read the adoption committee reference kayedv? >> item 74 through 78 are being considered for an immediate and unanimous adoption without committee reference. a single roll call vote may enact these items. if a member objects, an item can be removed and considered separately. >> colleagues, would any of you like to sever any of these item? >> supervisor avalos? >> 74. >> supervisor mar sf. >> [speaker not understood] i'd likev to send to committee. >> supervisor wiener? supervisor campos? >> 76. >> and with that, madam clerk, could you call the roll -- i

think that just leaves item 75 and 78. >> items 75 and 78, supervisor cohen? cohen aye. supervisor farrell? farrell aye. supervisor kim? kim aye. supervisor mar? mar aye. supervisor tang? tackv aye. supervisor wiener? wiener aye. supervisor yee? yee aye. supervisor avalos? avalos aye. supervisor breed? breed aye. supervisor campos? campos aye. supervisor chiu? chiu aye. there are 11 ayes. >> the resolution -- that item 75 is adopted and the item 78 is approved. [gavel] >> item 74. >> item 74 is the resolution commending the city of richmond for their work on creating a local principle reduction program and declaring san francisco's intention to explore forming a joint powers authority with richmond to prevent foreclosures. ~ principal reduction programs. >> supervisor avalos. >> thank you, president chiu. i will be motioning to send this item to committee. mostly because a lot of the

work that's been done to secure what's happening in richmond, the program to keep it continuing in richmond was done last week. and, so, a resolution in support of richmond's work is not as timely as it was and i want to make sure i can work with you colleagues about the relationship around how we can actually have an ordinance to join jpa with the city of richmond and have all of our questions answered as we're going through that process. and, so, i'm hoping by the end of this month to be able to have that and working with the controller's office and the city attorney to answer a lot of questions that still remain. colleagues still have regarding the open principal reduction program. first i want to thank my colleagues who are co-sponsors, supervisors campos, mar, and kim, and i want to acknowledge that in san francisco there are many communities, especially on the southern and southeast part of the city that are experiencing the kind of economic boom that is happening elsewhere. we have many, many households that are still under water.

we have many households that have predatory loans and they're still mortgages that they're still paying and not able to get out of, not able to have any real relief of the high rates that are there. and we need to have some tools in place that can really help that. we'll go principal reduction of the s.f. cares program or the cares program joining with richmond and jpa would help to enable that to happen. [speaker not understood] a discussion over the years and we heard it today about the outmigration of african-americans in san francisco. i live in a part of san francisco, the lakeview neighborhood, that -- that's my district. i live in lakeview. lakeview is part of district 11 where there's been a great loss of middle class african-americans just like in visitacion valley, just like in bayview. there's been a huge loss ~ of middle class african-american households and the few that remain are working really hard to make sure they can maintain

the wealth they have that is in their homes and to make sure they can maintain that property and pass it on to future generations. that's something that this city has really neglected, an effort to support both the outmigration -- (applause) >> -- and the many, many households that hader under water. we have programs for down payment assistance loan programs. we have programs that provide support for first responders to be able to buy homes in san francisco. but for many of the working class and even middle class household in san francisco, african-american, latino and many asian household, we don't have a very strong program in place that is helping to maintain that wealth that people have in their household. this program can do that. but also like swimming against the tide, we're swimming against the institutions of our banks that have a strangle hold on how loans are -- mortgageseses are kept at high interest rates, ~ homeowners have to renegotiate loans, how they're able to move the actual

principal of homes so it's more affordable for household to be able to maintain their property. we have to do something as a city. we can play the game and let the banks would like us to do and ask a million questions that are never going to result in anything happening and the banks will prevail and we'll see the continued outmigration of african-americans in this city. we'll see many households lose their wealth and leave this city as well and we'll see san francisco turn to what is all too often becoming a place that is only going to be where the wealthy can survive. we have a responsibility to do otherwise. and, so, i will look forward to, colleagues, bringing forward an ordinance that would help san francisco join the jpa to make sure that we can actually do the work of maintaining our wealth in our homes and help other communities across california like richmond that are actually dealing with the worse crisis around under waterhouse hold to force foreclosures. joining jpa will enable us to be able to do that and also enable us to actually have some

leverage over what the banks are doing, what they offer for us in term of relief from the predatory loans that many of us are under. so, colleagues, look forward to that discussion with you when it come forward to the full board. hopefully by the end of this month, i will have an ordinance for introduction and we can move forward. i want to thank members of the ace and member of the community who came out tonight. (applause) >> to discuss their concerns. the idea of people losing their homes, where they stay, where they bring generations to the city and it's very, very troubling. it's very, very disheartening. there are communities that i also feel a certain type of violence not being able to maintain their homes. that is a trauma that we have and many of us live with. we have a responsibility in the city to deal with. i hope to join with you, colleagues, in that effort later this year. so, i'll motion that this item 74 be moved to committee. (applause)