, though its house within sba.and the role of advocacy really is to make sure that when rules and regulations are being promulgated, regulations primarily, at the individual agencies to make sure sba has a seat at the table. we don't always get to have regulation not go through that we would like to see not go through, but the other side of the advocacy position is to then be out on the road listening to businesses who are then being affected by those regulations so than the office of advocacy publishes a report to congress to hopefully get those regulations changed. >> could you give an example of something, regulation that you might be working towards changing? >> i'm not at this point working on any particular regulation that what i did all the time from small businesses is that they have had been relievee burden of compliance with regulation and reducing that cost. so while there might be a small business here that has one regulation, one over here that has another, basically what i'm hearing is that the cost o

all the sba has to offer. yes, you think about loans. when you think about sba. we guarantee loans, we don't make the loans ourselves. and we help make loans available to those folks who would not be able to get them under ordinary circumstances by the guarantee that is put behind them. so, we have the opportunity to help entrepreneurs get capital. we also offer them counseling. we have programs through our women's business centers, through our score programs, where retired executives or executives who are not retired will donate their time to meet with young entrepreneurs to help them with their marketing plans, their web designs, just give them some general overall advice, which sometimes is -- this may not be a great business, and you ought to step back and think about that. when we get them through the capital part counseling part, , another aspect of what sba can do is help young entrepreneurs who have goods and services that they can sell to the government, help them put together those government contrac

the sba actually deploys 1,000 people into the area with fema. they're on the ground and talking to people affected. this is devastating moment when you are on the ground with people whose homes are in ashes or taken apart by a tornado. they need a lifeline. sba provides homeowners and small business owners with low-interest long-term loans. they are about 30 years. the interest rates are 2% for the homeowners at 2.5%. they allow the homeowner or business to rebuild quickly while they await insurance proceeds. they also help them with advice and counsel. when you ask the homeowner where is the deed to your house and it's up in flames. you really need somebody there to help them through the whole application process. sba does this and it really is an important critical program that the government provides right there. i've seen it myself and i have to say it's amazing work. >> certainly so many people in need of help. i want to get into the weeds of this a little bit. the disaster loans can be up to $500,000 if you are a homeowner. if you are a re

about getting sba loans. those loans also can be used to purchase insurance. so if you didn't have the insurance the first go around, use those loans as well to make sure that you're covered for the future. um, we've heard some of your guests earlier in this program to say that some of these wildfires and some of these circumstances, because of how things are developed and how people are living in this area so close to nature and so close to wildfire prone areas that these circumstances are inevitable. so one, make sure that you're contacting and making sure that you understand what you can do to recover now from insurance. but i think the big wake up call here, and unfortunately, we see this a lot in the industry. it takes a very large catastrophic event to do this is we need to understand how the state of california is going to prepare itself and become more resilient, because how we've been living, how we've been even having an insurance market in this state in many ways needs to change. and we have seen s

it's almost like the sba would be there and to help in some areas. but roll back some things in other areas. that is what we are going to have too watch very carefully. it's going to be slightly different sba that what we saw during the first trump term. >> we're going to need folks at agencies to make that happen pray there is a question. earlier a think they might have referred to as the great wave waivedthe threading retirement f federal employees it's talked about a lot. but wepl have not seen materialized yet. and jenny, i want to start with you. you think that is going to happen this time around? talk more about retention and recruitment challenges we arere going to sit federal agencies. and particularly how can contractors support agencies that are going through some of thischallenges right now? >> i think adam, you have been around to hear about the retirement wave for a long time. that is one of those conversations that comes back. by and large people stay around because they want too. some numbers to going to come out because every year in

. >> next is sba district director julie claus. >> thank you, mayor bass. thank you to all of our government officials, fema and especially our first responders. thank you so much for everything you are doing for the community. for those that are affected by these fires, my heart is with you. my team and i live here. we know what the challenges are ahead, and we're here to help you through that recovery process. sba's disaster loan programs are open, they've been fully activated and are hope -- are open and people can apply today. the applications are available for homeowners, for renters, for businesses of all sizes and for private nonprofits here in l.a. county. a quick overview of the programs for you, the disaster home loan program is loans to renters or homeowners to repair or replace disaster-damaged real estate and personal property, and this includes automobiles. loan maximums are $500,000 for real estate and $100,000 for personal property, and this is for uninsured or otherwise non-compensated losses. business physical disaster loans are also avail

that's where the sba comes in. that's where the state of california comes in. that's where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >>>>well, other headlines around the bay area. heads up for commuters. bart scheduled changes today. bart will implement adjustments to accommodate the construction of a new train control system. departure times may shift, so be sure to check the updated schedule before heading out. and also a heads up. late night yellow service yellow line service will be impacted, terminating at sfo instead of millbrae. after 9 p.m.. commuters will need to transfer at sfo. these changes will continue as that new system is phased in. in berkeley, a community worked together to preserve their apartment for affordable housing. the building on california street became vacant after the owner died. that's when tenants came together to find a buyer to

residents about what the sba can do. the fema administrator, i was with her yesterday talking with residents about what fema can do. we're going to fight to bring those resources back so that people can quickly rebuild. the most immediate thing a lot of these residents want to know, though, in talking to folks at the shelter, is does their home still stand? many of them don't know the status of their home. >> senator, i'm going to shift with you for a moment because you are a u.s. senator. have you got a handle? a few things at once. we have the conviction, the sentencing of donald trump. it's a you're a lawyer. it's a technical matter. it does mean that he is now a convicted felon. it's the first time we will have a convicted felon as the president of the united states, i wanted to draw your attention to what the ada said about the harm that donald trump and his conduct since this conviction have had on the judicial system, the judiciary and the judiciary. this is not a convicted felon who has accepted responsibility fo

sba disaster loan programs are open.y've been fully activated and they are open, and people can apply. today. the applications are available for homeowners, for renters, for businesses of all sizes, and for private nonprofits here in la county. a quick overview of the programs for you. the disaster home loan program is loans to renters or homeowners to repair or replace disaster damage, real estate and personal property, and this includes automobiles. loan maximums are 500,000 for real estate and 100,000 for personal property, and this is for uninsured or otherwise non-compensated losses. business. physical disaster loans are also available for businesses of all sizes to repair or replace their disaster damaged property, including the real estate inventory, supplies, machinery and equipment. businesses of all sizes and nonprofit organizations are eligible to apply, and the loan maximums are 2 million. economic injury disaster loans are available to small businesses and nonprofits as a way to provide working capital to he

that's where the sba comes in. that's where the state of california comes in. that's where the federal government comes in. that's where philanthropy comes in. people l lives. they lost their businesses. they've lost hope. we've got to restore the hope. >> california republicans are calling for a special session to look into the state's insurance crisis and the state's efforts to mitigate wildfire damage saying we need bipartisan solutions stat. >> as a legislative minority, it is our job to be watchdogs for the californians when our friends across the aisle attempt to divert funds to projects that have nothing to do with wildfire mitigation. >> for anybody who thinks this is a partisan show, fire does not ask your registration when it shows up at your door. fire does not ask your registration when it burns down your house, when you leave everything behind. we demand action. >> governor gavin newsom is suspending some state requirements to try to speed up the rebuilding process. the order suspends some permit and review requirements under the california environ

i met with the sba administrator here to support those impacted by the fires.idents can register and begin their journey. the recovery costs, supporting longer-term shelter. we can also support crisis counseling and disaster unemployment. these are a few of the programs we have and i encourage everyone to begin the process of registering now. recovery from these fires will continue to be complex. this is certainly one of the worst fires i've seen. the debris removal alone is going to be one of the major things we do and that is why when president biden offered 100% reimbursement, that is going to jumpstart these communities. i had a chance to drive through the communities impacted as well. we have seen schools destroyed, businesses, small businesses, religious institutions, these are things we are going to be able to help with temporary facilities and schools to get children back into the schoolhouse, but also any other emergency measures as they begin the work of permanent repair. thousands of homes have been destroyed. we continue to hear the numbers change,

working together again, if congress approves additional funding and working with our partners like the sba, we're going to really be able to help all of these families with their specific needs and what they're going to need to do to help start this recovery journey. and one of the biggest things is going to be debris removal, and we've had lots of conversations with the governor's team about debris removal. they have an excellent capability here within the state, and we're going to be able to provide technical assistance to the army corps of engineers to make sure that they're getting everything done in the most expeditious way possible so they can start that recovery process. and i think, mr. president, madam vice president, what i would just close with is that as you have said and as you know the governor -- and i've talked to the governor and the mayor, we are going to be here with you. governor, mayor, just know that fema, the entire federal family, is going to be here with you throughout this entire recovery journey, we are going to work through the complicated problems together, we'

here's a quote, i, i bent down, he was in top shape, i kissed him goodbye in sba to do his eulogy hehat the current president would deliver these remarks? >> guest: it is often customary for a current president to deliver a eulogy especially if had a somewhat decent relationship. george w. bush delivered reagan's eulogy. what's interesting about that particular state funeral is both he and his father delivered eulogies because bush 41 was reagan's vice president. the difference between them was interesting because bush 41 talked about their personal anecdotes come personal relationship. some of the funnier stories about reagan. the current president at the time president george w. bush gave at the biographical approach. it is customary as long as i think relationship is somewhat public. >> host: let's talk about the age that jimmy carter lived to two, 100 years old, the longest living president. what if, and as we watch the president's club come together together what if he's others which live are other presidents were to have lived to 100 you told? >> guest: it's interesting because

sba knows how to deal with that. when it comes to the struggle, the heartbreak, the grief, those are things the government doesn't really know how to help with. we as a city have taken it upon ourselves to provide those resources until the state and federal government can catch up. >> nbc news has learned that the city had top-of-the-line barriers to prevent car attacks, but they did not use them on new year's when the tragedy occurred. there has been a lot of talk about the barriers, letter reporting, nbc news reported, wall street journal, washington post. do you have more information of possible security lapses that evening? i am struck by the police superintendent who seemed to be unaware, according to our reporting, that the city had these barriers available to them. >> i can't speak to what chief kirkpatrick said but from my experience, there were top-of- the-line barriers installed in new orleans after the attack that happened over a decade ago. high, top-of-the-line barriers. over time the barriers have faile

sba because sometimes my parents would want me to play whatever was cheapest. >> yeah, i think it wasuch space. >> jimmy: did you transfer that to saxophone? because the fingerings are the same. >> no, i just stopped playing. >> jimmy: you could have been like lizzo if you kept that up. >> yeah. >> jimmy: i do think of you as, like, a lizzo type. so, when you guys -- >> i get that a lot. >> jimmy: did you play gigs and stuff? >> yeah, we had a jazz band. we would play some gigs, i think our first gig was, like, a like, a 5k -- >> jimmy: a race? >> a fun run to raise money. my mom ran the big brother big sister program in the town i grew up in, so, it was maybe a fund-raiser for them. >> jimmy: so, you were there at the finish line playing? >> you know, i -- i thought it was at the finish line, but the name of our band, which we took from this run was the third mile jazz quintet and a 5k is, i think, 3.3 or 3.4, so, we weren't even at the finish line. we were just -- three quarters, like, you got this. [ laughter ] if you don't like what we're playing right now, keep going. >> jimmy: k

that raise the contract with the sba. trust me we will.d job for doing the great work that is needed. and thanks to the leadership of intergovernmental affairs director at tiffany who went to albany and successfully expanded the new york city earned income tax credit for the first time in two decades. to give more than $345 million back to 1.7 million new yorkers this past tax season. we don't working-class families need more relief. and they need it now. that is why we put forward an ambitious proposal to eliminate income taxes for working-class families make it one or 50% of the federal poverty line or less. it is time to get rid of city income taxes for a single mother making $31000, a family of four making $26000 and other new yorkers making do with less. it's very clear. it's time to accept the tax but let them hear it across the entire state. it is time to ask the tax. will eliminate lower at city income tax bills for over 580 thousand new yorkers and their dependents. it will give over $63 million back to the families who are in nee

that's where the sba comes in. that's where the state of california comes in, where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> the governor has signed a slew of executive orders, not just on the assessments to speed that along, but also on loosening some of the environmental regulations to get some of this building done as quickly as possible. kyung lah cnn altadena california the los angeles police department arresting looters across l.a. county. >> authorities say looting is becoming an issue within mandatory evacuation zones, with some trespassers impersonating firefighters. >> even teams of undercover federal and local law enforcement officers are patrolling evacuation areas to stop looters and illegal drones. california's attorney general says those breaking the law will be prosecuted. >> the rule of law is

that's where the sba comes in. that's where the state of california comes in, where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> the governor has signed a slew of executive orders, not just on the assessments to speed that along, but also on loosening some of the environmental regulations to get some of this building done as quickly as possible. kyung lah cnn altadena california winds will, of course, be a challenge for firefighters as they battle these blazes in southern california. >> but wind isn't the only environmental factor that could jeopardize their efforts. cnn's allison chinchar has more. >> winds have already started to increase across portions of southern california. they will continue to do so on monday. the concern is there's not really going to be much of a break. so those high wind gusts are still

that's where the sba comes in. that's where the state of california comes in, where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> and you heard the governor there talking about the debris removal and the pace that he wants to move at. he added on to that, saying that all of this that you're seeing here, this is a lot of this is toxic materials, jessica, because, you know, if you think about lithium batteries today or how your appliances are made, all of that stuff seeps into the ground. what type of foundation needs to be built? can you build on the existing foundation? so there are a number of challenges ahead, jessica, no doubt about it. >> all right. kyung lah thank you so much for that reporting, erin. >> all right. jessica, and just one of the things that you notice here, it's not just the the fact that you've

with all the other support from the sba and fema and philanthropy and of course, all the work that we'reoing to hold insurance companies accountable to moving claims forward. i just met with 40 plus leaders in the insurance industry, ceos and presidents. we just had to come to jesus on making sure it's a transparent process, a responsible process. we're going to hold folks accountable to actually getting checks in people's hands. at the same time, we also talked about the stress on the insurance market, not just the insurance market where the private insurers, but the fair plan in california, which is not a government plan, but it is a syndicate pool where the exposure obviously is going to be profound and significant. and we're making a determination, stress testing, the ability to pay those claims as well. >> can the people, the fair plan, can the people of california who are going to have to rebuild their homes, can they be confident that there's going to be enough funding in there? it's not a government program, but it does come from insurance companies. >> well, we're going to be ye

that's where the sba comes in.'s where the state of california comes in, where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> jd vance was on television today talking about lactaid lack of competency on your part. >> okay. >> what do you say to you've heard this almost every single day. yeah. >> i didn't talk to him. i, you know, hurricanes that were attached to fires. unprecedented when experiences heroic firefighters from all across the united states. we've got folks from texas. we got folks from wyoming that have been pounding on this. the best next gen technology. we've got these these firehawks and guys with night vision goggles pounding these fires 24 over seven. we've got thousands of national guard men and women that have been on here. we pre-positioned 120 engines, helicopters, dozers, water tenders. we did

that's where the sba comes in.at's where the state of california comes in, where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> governor newsom also signing an executive order today to suspend some environmental regulations to help victims of the fires rebuild faster. and, aaron, i certainly don't have to tell you, you have been on the ground, you have seen this devastation firsthand. it is just going to be such a massive undertaking to make these people whole again and to get these communities and these structures back and to build to build this back. >> it's just incredible. exactly as you say, jessica. and you look at paradise and the fire there that decimated that was a town of 28,000. that was six years ago. the population of paradise city, california, now is 11,000. so six years and they're only back about a th

director assured these victims that they would definitely have all the resources of fema as well as of the sba, yes, the absolute intention is to get them to be able to rebuild and have those resources. the disaster loan resources that they need as well as the grants. and you're absolutely right about this being a very diverse population. there were black families that came after the jim crow era in the 20s and 30s. they wanted to find a place of equality and where they could have a high quality of life. so they came here, especially since this was a welcoming place that did not have redlining. and so it is a beautiful area. >> i'm so sorry all this happened. it is shocking and horrific. representative whitesides, please talk about what's happening in your district as well. >> we have had a somewhat different situation. just by almost a stroke of luck, a couple of passing firefighters happened to notice the big conflagration in our area, which was the first fire, and they were able to throw a ton of resources at it very quickly, keep that constrained to under 1000 acres. and so we have had min

that's where the sba comes in. that's where the state of california comes in.the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> the governor has signed a slew of executive orders, not just on the assessments, the speed that along, but also on loosening some of the environmental regulations to get some of this building done as quickly as possible. kyung lah cnn altadena california all right. >> ahead. this week, president-elect donald trump's cabinet picks begin senate confirmation. one of the trump's most. controversial picks, his secretary of defense. and new information on what may have caused the l.a. fires. we will look into that as investigators try to figure out how these fires started in so many different places. >> trump's cabinet picks. the candidates you've heard about for months go before the senate. who will get the votes? >> i think we have great people.

usually responds with, you know, bodies, law enforcement as well as we have had some interaction with sbawith businesses that were affected by the shutdown and the investigation. but other than having this fund that the council worked with the mayor and the grand new orleans fund to create to support this sheer number of victims, would resources that they're going to bring down for those victims and those families as they go through this process. um, additionally, it is very troubling to many of us that during the fbi briefing yesterday, it was made public that this individual posted on social media on places like facebook, well before the attack, that he intended to do something and that this was not flagged. now, obviously locally, we have our own infrastructure issues that we're going to address at the appropriate time that that process has already begun. but this was a cascading series of failures that also began with, if this guy was posting on social media what he intended to do, where was the intelligence to prevent this from happening in the first place? >> yeah. and why didn't th

like the sba has a wide variety of resources to not just help small businesses, but to also help homeowners and renters with with low interest loans to help them in this recovery journey. and if we need other tools, we'll bring them in. but we know that it's going to take every tool we have in our toolbox to meet the needs of these communities. >> i don't want to make this political, but i do want to ask about the finances of fema. we're seeing so many more natural disasters, a much heavier toll, more powerful storms. we've already dealt with what happened in north carolina this year. also, the destruction across florida from the hurricanes. you have this fire just beginning this new year of 2025. does does fema have fundamentally have enough money and the capacity to respond to this new world that we're living in with these more powerful storms, these more destructive disasters? >> i mean, we're certainly seeing more disaster declarations than we've ever seen before. and the cost of these disasters continues to rise with the recent supplemental. fema did get an additional $27 billion. and

that's where the sba comes in. that's where the state of california comes in, where the federal government comes in. that's where philanthropy comes in. people have lost their lives. they've lost their businesses. they've lost hope. and we've got to restore the hope and then restore their lives and businesses and opportunities. >> the governor has signed a slew of executive orders, not just on the assessments to speed that along, but also on loosening some of the environmental regulations to get some of this building done as quickly as possible. kyung lah cnn altadena california. >> when we return, the growing health concerns linked to wildfire smoke that's been filling the air over southern california for days, that's coming up. >> knock, knock. >> number one broker here for the number one hit maker. >> thanks for swinging by carl. >> no problem. >> so what are all those for? >> this lets me adjust the base, add more guitar, maybe some drums. >> wow, so many choices. >> yeah. like schwab. >> i can get full service

the small business association, sba wasn't doing well. but soon everybody came together.mississippi, and we said, okay, let's quit pointing fingers until we deal with this crisis. and in a fire or a hurricane, you got to make sure that every that the state police, the local police, the fire department, fema, the federal government are working together. and nowadays in our politicized poisoned atmosphere, you see the pointing of fingers more than the reaching out of helping hands. >> so, walter, let me ask you also about a lot of people talking about climate change. there obviously has always been flooding and challenges in new orleans. same thing with wildfires in in california. but if it is climate change, it is also building buildings in the ninth ward and along wild, wild terrain that that just is asking for trouble. what lessons do we learn there? >> one of the things that happened after katrina is that we figured out that we had to protect the core of the city from the 17th street canal to the industrial canal, and i've walked those levees. i've watched them being bu