the occ ruled information only. they said the matters i brought up raised issues that were beyond the jurisdiction of the occ. the definition of "information only" is the actions described were not permitted by sworn member of the department or the story told is so unbelievable that it cannot be accepted by a competent authority. they also said, regarding the statement in the letter of finding, that it was beyond the jurisdiction of the occ. one of the investigators told me that the fbi [inaudible] the policemen that i named in the complaint was retired and therefore they did not have jurisdiction over that police officer anymore. tonight makes my fourth attempt to get clarification on all of those findings. i went and met with the occ investigators at the end of their investigation and try to get them to clarify what they are telling me, and they would not. i sent a letter to the occ director and she refused to explain the findings for me. i came before the police commission on the 27th of april and requested clari

-- findings of the occ with the filings. i claimed that the ss pd tried to run me out of town because i knew the identity of one of their confidential informants -- i claimed that bss p d tried to run made up of down. -- bss pps note -- the sfpd tried to run me out of town. i know the directory of the occ was present. i am kind of wondering what i need to be to get clarification on the matter is starting to get a little fishy to me. president mazzucco: that was a federal case, correct? >> yes. president mazzucco: 70 to talk to the people of the fbi, and the number -- so you need to talk to the police -- to the fbi, and the number is -- and you need to talk to the d.c. circuit. you can continue to talk about this. -- you need to talk to the duty officer. >> my next step would be to go to the inspector general's office. this is a law enforcement organization, and they were involved in the case, so i am taking it one step at a time. president mazzucco: i agree. >> so what i would like to do his equivocation on the occ findings,

so should i stop by the occ sometime between now and next week? president mazzucco: yes, that would be my advice. it sounds like to have already done that, mr. king. >> in my opinion, they would have handled it if i received a letter that explains their findings. if you can just say "information only," and that is that, that is not good. president mazzucco: ok. thank you. >> ok, i will stop by again anyway. president mazzucco: thank you, sir. next speaker. >> my name is tom, and i have been here before about the patrol specialist. president mazzucco: how are you? >> i am 5. you have an officer. i do not want to comment on this case anymore -- i am fine. it should have never been on your agenda. they are unconstitutional. you were given a report 10 months ago i believe, or nine months ago. you have done nothing. patrol specialists continue to operate wallace lee and on behalf of their clients, they're paying clients -- to operate law leslie -- lawlessly and and be caught -- and on behalf of their clients, their paying clients, et and this is your l

>> well, like the occ, we have a single director. unlike the occ, any rule that coming out of the consumer financial protection bureau has been overruled by a group of over regulators. i'm trying to think, i'm the occ we have rulemaking authority, and subject to administrative authority. unlike the occ, we are subject to the acronym is abrifa, the small business panels that we have to bring in panels to be able to go through the impact on small businesses. we have required to do cost benefit analyses. we're required to consult with the other banking regulators before we issue rules. i think it's fair to say that our charter is written very much in mind with the notion that we are there to be cooperative with the other banking regulators, at least to work with them. we are -- trying to think. we are -- oh, we have a research function that is somewhat different than the other regulators. >> is it -- can you tell me why there's a necessity for a five year fixed term when i don't believe anyone else in history has had that period of time

>> well, like the occ, we have a single directer. >> yeah. >> up like the -- unlike the occ, any rule out of the consumer financial protection bureau can be overruled by a group of other regulators. i'm trying to think. like the occ, we have rule making authority separate from procedures act. we are also subject to the acronym is sbpa -- small business panels, that have to go through the impact on small businesses. we are required to do cost benefit and analysis and required to consult with the other banking regulators before we issue rules. i think it's fair to say that our charter is written very much in line with the notion that we are there to be cooperative with the other banking regulators, at least to work with them. we are -- trying to think -- >> let me ask -- >> we have a research function somewhat different from the other regulators. >> is it -- can you tell me why there's a necessity for a five year fixed term when i don't believe anyone else in history has had that period of time as an appointment. >> congress mapp, i think -- congressman, i think many terms are five year

i am a firm believer that a stronger occ makes for a stronger police department. my favorite program is mediations. that is incredible. the decrease in investigators, i am glad that the supervisory investigators are now participating, but we have to make sure that your staff is strong even though looks like the good news is the number of complaints are down. they are significantly down. but we have to stay in operation assuming we will go back to the usual numbers, but i hope we don't. i will be there to support you. i want to commend -- and of the people are working the short staff and your working really hard. i want to thank them. he is a hard-working attorney, as are you. i appreciate everything you have done, i appreciate the hard work she has done with commissioner chan. it is a very thorough report and it is good to see these statistics. again, we need to make sure that you have the strength to maintain that. commissioner chan: think you for your hard work and the helpful summary of the report. i had a question about the five complaints that were sustained

the occ basically does accounting. it does not too broad scale policy analysis for the sort of things we have here. i agree about the concerns with respect to access to credit with the combination of cfpb, the durbin amendment, we will drive to be 1 million consumers out of the mainstream banking system. the cfpb is going to drive more consumers out of the mainstream banking system. we will put it in the hands of the payday lenders and check catchers and everyone else. payday lenders migrate online. people migrate to pawnshops. we're talking bad situation when you go in with good intentions, you end up hurting the people you intend to help and that is what i am concerned about. >> to follow up a little bit -- i don't know that you heard earlier testimony by concerns about occ vs. cfpb. i believe there are clear differences. can you talk about the differences between the occ and the cfpb in terms of oversight? >> the clearest difference is that the comptroller serves at the pleasure of the present and the director does

>> occ is the strongest of the federal bank regulators. if you want to have a bank regulator able to act efficiently and decisively to protect american fellas, we want a structure there were slightocc. it has been very effective in furthering the bank's interest. we want that in the family's interests. >> why is the commission structure not ideal? >> you end up having horsetrading among the commissioners. they have their pet issues has professor zywicki pointed out. sometimes commission decisions and of being based on political trade-offs rather than what is really the right resolution of the issue. >> if you are saying this is a congress. >> congress has a different structure. >> i did not mean to interrupt. >> it is an important distinction. congress is a political distinction. we do not want our regulatory agencies acting that way. and the second point, when you're dealing but as the traditional model of a five- member agency, no more than three can be from a party. when you applied that partisan division to consumer financial protectio

secretary falvey: line item four b, the occ director's report. >> i have no report. president mazzucco: thank you. next item. secretary falvey: item number of full noir -- item4 number -- item number 4 c, the commission reports. president mazzucco: it was good to hear about their perceptions, and good to work with the human rights commission. people with great backgrounds that are interested in making sure san francisco is safe but also that we protect everyone's constitutional rights, and i want to congratulate the commissioners for being there, and i also want to state chief -- i want to thank the chief. our officers to follow our general orders, and explain some issues about identification, so i think you, chief, for getting way ahead of these issues -- i thank you. that delicate balance between constitutional rights and protection of the community, so that was great. i think that our commission and the human rights commission and directors sparks -- i think our commission. i -- thank our commission. commissioner? commissioner: i was getting ready for d. vice pres

.: item 2-b, the occ director's report. president mazzucco: good evening. director hicks: 1 less. president mazzucco: any questions for director hicks? back to the commission reports, i just want to report that on monday evening, i attended a merchant's association. they honored officer john gallagher, 41 years of service. he is retiring from no. station in july. people were expressing their concerns about crime in the neighborhood, and happens to be 9 neighborhood, -- and it happens to the my neighborhood, so i was there. it was a great event, and there is an energy in the community about the new chief. people are quite pleased. it was well done. i want to thank john gallagher. that is what i did. i was hearing from the community about how they feel about the new chief and other items. >> i thank you for your time this morning. there is the director of the clinic, and also, director fixed -- hicks and others. we also discussed the timeline for cit. we fought through some creative ideas. president mazzucco: thank you, commissioner chan. anyone else? lt. falavey, -- falvey, any ann

oversight include audits from the occ, a monthly meeting with a designated police commissioner, and approval required by the chief for first amendment investigations. specifically, with regard to the jttf, the police department has been a member since the attacks of september 11. there have always beensfpd -- been sfpd supervisors overseeing the clearance. jttf was assigned to his homeland security unit. i gave the order today. jttf will be moved back under special investigation. they will have the security clearance necessary to oversee the activities. the members are required to comply with all department policies, even if they can inflict -- if they conflict with fbi policies. simply said, the san francisco policies, procedures, laws, and statute trump any federal policy or procedure. our officers are bound by those. to emphasize that, i worked with the captain and the other members of the command staff with the cooperation of the aclu, hrc, and the fbi to draft a bureau order that all members are subject to, which essentially turns back the clock and emphasizes that officers are responsi

i do not know why the police department has to have the occ and the police commission. are like the police to take its own business and enforce the law. and they are not bad. i know some chapters, and the officers, and we need to start cutting at the top, get these commissioners out of the way. affordable housing -- people choose to live this way, fine. they did not have to have 10 automobiles. they do not have enough guts to get near my driveway. [laughter] they do not. they run. they stand up to the police, but when i come, they fly. so let's start at the top and then work down. [applause] >> good evening, everyone. i'm here to support the excelsior family connections. [applause] i have two kids. one is 2 1/2, and the little one is five months. with two kids, and working, i have a lot of stress from kids, from my husband, from my work. and financial stress. so the staff at the excelsior family connections some crying, and they came up to me and asked if i was ok. they are just like my family. i go there every day, and i see the staff there more than i see my siblings.

un hombre degolló a su madre, y con su abuela y luego intentó matarse >>> este lugar fn este lugar occue era bueno. >>> según reportes de la policía cuando llegaron los oficiales kob tra encontraron de la parte trasera de la vivienda el agresor quien se había cortado el cuello >>> asombroso en shock algo que no tiene explicación no se sabe qué pasó por la mente de este muchacho >>> hernández trató además ta cde atacar a 4 oficiales. las autoridades investigan qué llevó al hombre a matar a su madre, en los Ángeles california regreso con ustedes alto estudio. >>> erika gracias y fuesen tenacidfuesen fuesentenciada una mujer luego de matar a sus hijos. ahora deberá pasar el resto de su vida tras las rejas. ( ♪ música ) >>> y bien las autoridades están pidiendo ayuda a la comunidad para encontrar a una bebé de 4 meses de nacida y unas 12 libras de peso que podría estar en peligro en este escastexas la m pav pequeña fue hallada en un río muerta y al parecer usaba drogas. >>> bin laden, tenía un diario para llevar a cabo sus planes, funcionarios estadounidenses revelaron que el manuscrito fu

occ is the model. similar prohibition on treasury interfering on the otc. of day. what do they have to do in terms of working with the fed? there are many provisions in dodd-frank that means prudential regulators and the cfpb have to work together. we should mention that small institutions with fewer than $10 billion in assets are carved from agency authority to supervise, check the books of the banks and also to enforce laws. so that requires coordination. they can't initiate enforcement measures. they must coordinate their supervisory activities with prudential and state regulators and they have to consult on examinations schedules and reporting requirements. the cfpb can ride along with these regulators, the fed examines its institutions on a sampling basis that means they will be able to pick out the representative sample of examinations to ride along. the document has to go both ways. the cfpb has to share with other regulators in large banks. and other regulars have to share their data and paperwork on their examinations to small banks. if the prudential regu

there could be conflict with the o occ, if the fsoc was going to intervene, you could make the same argument. these are difficult questions and i think we could live with that right now. >> as you mentioned you would bring on that directors so they could bring in a safety and soundness aspect. i read the cfpb mission statement yesterday. out of 764 words there's no talk about save your soundness in their mission. >> they don't feel it is the best bang for customers. similarly consumer abuses can have profound safety and soundness applications. there needs to be a lot of cross communication. >> in regard to the orderly liquidation of the already there have been a number of examples. i have continental illinois's bank, 14 statements, took seven years to resolve at cost of $1 billion. washington, four forty million assets and fifty bank employees. citigroup, $1.9 trillion in assets. the time and energy, the staff needed. i know i am running out of time but maybe i can catch you on the second round. i want to find out how you believe that our time will take to wind down simple institutions and h

writings for example have pointed out the benefits of school vouchers, that's not an issue that is occ dear that to the heart of most liberals. and his testimony at the hearing that of the writing that most republicans have seized on. and part is his advocacy work. he was on the board for a network group of liberal lawyers. he was chairman of that board. and that put him in a position to be sort of a spokesperson for the liberal wing of the democratic party. >> look at is what in the senate, first why did reid put him through in the senate, and didn't get a vote last time. and has anything changed and any indication that he may get approved this time around? >> there was another vote on another judge that republicans wanted to filibuster. and that judge was in rhode island who made it through, and he survived the filibuster. and some thinking that the votes are there for goodwin liu to survive, he needs 60 votes. everyone says it will be close. there are some republicans that certainly will not filibuster him, even if they don't support his nomination. and are there enough while they d

once again, the model here similar prohibition on the treasury interfering on the occ. okay.hat do they have to do in terms of working with the fed? there are many provisions in dodd-frank that means the provincial regulators and the csb have to work together. first and foremost we should mention that smaller institutions with 10 billion few assets are carved out completely from the agency authority to supervise, check the books at the bank's and also enforce the law. so, that in and of itself requires coordination. they can't examine the institutions, the can to initiate enforcement measures. they must coordinate the supervisory activities with provincial and state regulators and they have to consult on examination schedules and reporting requirements. the cfpb can ride along with these provincial regulators. let's say the fed when it examines its institutions on what they call the sampling basis that i think means they will be able to pick out a representative sample of examinations and ride along. the flow of documents has to go both ways. so the cfpb has to share with the

the federal reserve and the occ with this worth the fdic received as part of cents. issued cease-and-desist orders to try to stop that practices and try to require banks to go back and discover who was harmed in to help offset those problems where possible. going forward we expect to assess civil money penalties as well. but you are right that this remains a very, very difficult problem and some level, regulation of the problem, but some of us in academic problem and that needs to be addressed in terms of global and national employment and economic conditions. >> anyone else care to comment on this? >> well, i thought i'd see the financial stability oversight council has not talked about some of these matters about the rising commodity prices as a council and at staff levels. i think the train for atkins a number of features that helps market regulators like the cftc for writer for the american public your weird high-priced veteran that is not what the congress were american public has asked it to be. but the train for i.t. this broader authority see the whole deriva

the federal reserve and the occ with this worth the fdic received as part of cents. issued cease-and-desist orders to try to stop that practices and try to require banks to go back and discover who was harmed in to help offset those problems where possible. going forward we expect to assess civil money penalties as well. but you are right that this remains a very, very difficult problem and some level, regulation of the problem, but some of us in academic problem and that needs to be addressed in terms of global and national employment and economic conditions. >> anyone else care to comment on this? >> well, i thought i'd see the financial stability oversight council has not talked about some of these matters about the rising commodity prices as a council and at staff levels. i think the train for atkins a number of features that helps market regulators like the cftc for writer for the american public your weird high-priced veteran that is not what the congress were american public has asked it to be. but the train for i.t. this broader authority see the whole deriva

the federal reserve and the occ with this worth the fdic received as part of cents. issued cease-and-desist orders to try to stop that practices and try to require banks to go back and discover who was harmed in to help offset those problems where possible. going forward we expect to assess civil money penalties as well. but you are right that this remains a very, very difficult problem and some level, regulation of the problem, but some of us in academic problem and that needs to be addressed in terms of global and national employment and economic conditions. >> anyone else care to comment on this? >> well, i thought i'd see the financial stability oversight council has not talked about some of these matters about the rising commodity prices as a council and at staff levels. i think the train for atkins a number of features that helps market regulators like the cftc for writer for the american public your weird high-priced veteran that is not what the congress were american public has asked it to be. but the train for i.t. this broader authority see the whole deriva

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