we have the small site acquisition.he programs that we currently have and draw parallels of what can work, might work, develop it slightly differently for commercial space. and we might still -- i think another thing on the agenda is also on that list, would be to sort of take a way to modify back the legislation that prevents condos and allow commercial condoization. so that it's easier to get 504 loans. >> ok, any other new business items? do we have public comment on new business? seeing none, public comment is closed. next item, number 9 adjournment. >> before that, please show the office of small business slide. and remember the office of small business should be your first stop when you have any questions about what to do next. you can find us online or in person here at city hall. best of all, all of the services are free of charge. the small business commission is the official public forum to voice your opinions and concerns about policies that affect the economic vitality of small businesses in san francisco. p

if you need assistance with any small business matter, start here at the office of small business. welcome, everybody. >> item 1, call to order and roll call. >> commissioner stephen adams. >> here. >> commissioner kathleen dooley. >> here. >> commissioner mark dwight. >> here. >> commissioner william ortiz cartagena. >> here. commissioner irene yee riley. >> here. commissioner miriam zouzounis. >> here. >> next item, new agenda items. discussion item. >> do we have any members of the public who would like to make comments on anything not on today's agenda? seeing none, public comment is closed. next item, please. >> item 3, approval of legacy item. the applicant is kabuki springs and spa. >> thank you, commissioner. like superman each time. good afternoon, president adams, commissioners. office of small business staff, richard corillo. sfgovtv, i have a powerpoint presentation. the application before you today is for your consideration for the business to be included on the legacy business registry. the application was reviewed by me for completion, then submitted to planning depa

so it's really interesting, because as a small business, we see the small of creating experiences for consumers to come into our stores. and analogously, we should do this on a street wide level. it's really important to think of these merchant corridors not just as individual businesses, but a collection of businesses that create a brand in these different merchant corridors. the brand consists of the history of the neighborhood and also the type of brands that are in these neighborhoods, so it's important to highlight these not only to our surrounding neighbors, but to other parts of the city and our tourists, as well. it can only strengthen us. i want to think about these merchant corridors as experiences and where people can go and spend a whole day in different neighborhoods, so i really look forward to working with oewd in the future in helping these merchant corridors, and thank you again for your time. >> thank you. next speaker. >> hi. steven cornell. just a couple of thoughts. when we talk about changing the or loosening some of the regulations in neighborhoods, let's think

on cu's for certain small businesses. it was 90 days. do you know what the success rate on that is? >> my undering based on the advocacy day comment made by a planning department representative, they were near 100% compliance in working with the small businesses and in expediting those services. however, the details around how the -- how much time had actually been saved, i think, is up for debate, and i think that's something we maybe need to delve deeper. please stop me, regina if i'm going in too deep. the next process was what's actually being prioritized from the point of view of the small business, and that's still -- but we can get back to you on that, as well. >> and then, the next question, but you know here, like, after 20 years, we finally have, you know, the patio this weekend finally opened up as hamburger mary's. and it's for real. i actually went there to check it out. there were people in there, eating, so i mean somebody must have did something to prod him, so thank you, if that's your department. the oth

if you have a small business, it starts here at the office of small business. thank you.irst, item one. call to order and roll call. [ roll call. ] >> president, you have a quorum. >> next. >> twiitem 2, please. >> item 2 is public comment. do we have any members of the public who would like to make any comment on any small business matters that are not on today's agenda? seeing none, public comment is closed. next item, please. >> item three, presentation of the small business commission certificate of honor, honoring members of the neighborhood's vests program. discussion item. >> thank you, and i get to come down here to do this. so on behalf of the small business commission, tonight, we would like to honor the invest in neighbores initiativ, and honor this office. this is when i'm going to talk off the top of my head, and i can probably speak for the other commissioners when i say this, when i go to other neighborhoods in this city, whether it's west portal, the excelsior, noe valley, a lot of people know i'm on the small business commission, and they're all coming up

but we can work together to offer relief to our small credit unions and small community ban banks. in doing so, we need to take the added step of relieving these 20 smalltown banks from a onerous requirement. so i would urge the chairman and the ranking member and members of the democratic and rublican leadership, i would urge them to consider making this part of an overall managers amendment or accepting this amendment and moving forward because it has -- it has everything to do with following the entire thrust of this entire bill. so thank you, mr. president. i appreciate the time and i do note the absence of a quorum. the presiding officer: the clerk will call the roll. quorum call: quorum call: mr. rounds: mr. president. the presiding officer: the senator from south dakota. mr. rounds: are we in a quorum call? the presiding officer: we are. mr. rounds: i ask that the quorum call be dispensed with. the presiding officer: without objection. mr. rounds: i rise in support of the bill which is being considered on the senate floor this week. as a member of the senate banking committe

since the passage of dodd-frank, our big banks have profited wonderfully, but our small banks, are small financial institutions, credit unions and community banks have suffered terribly. s. 2155 is aimed at rightsizing the regulation for financial institutions, primarily unity banks and credit unions, which makes it easier for consumers to get mortgages or obtain credit. it also increases informed consumer protections for veterans, senior citizens, victims of fraud, and those who fall on tough financial times. congress has held numerous hearings inn prior years, exploring many of these issues, and the o product before us tody is the result of a years long process and careful vetting. this dog received widespread support from commentators, regulators, businesses and institutions representing millions of hard-working americans and consumers, including over 10,000 community bankers, more than 100 million credit union consumer members, and thousands of small business owners and entrepreneurs, among others. the reforms in this bipartisan bill help tailor the current regulatory landscape. whil

the office of small business for outreach and education and resources to small businesses and the mayor'soffice on disability for experience in accessibility standards. compliance for the ordinance is required for places with public accommodation. all buildings with public accommodation fall into one of four categories. ranging from fully accessible, to having major barriers to entree. i will in the next couple of slides go over in the compliance categories, steps and schedule. there are four exemptions to the programming. buildings built on or after 2002, owned by religious organizations and private clubs and buildings that do not have public accommodation. here is a list of the 12 categories in title three of the federal ada as places of public accommodation. it include restaurants, bars, retail stores, drycleaners, grocery stores, hotels, daycare centers, gas stations and hair salons. for property owners who are unshower whether their -- unsure whether their business is a place of public accommodation the department of building inspection has a form and they can submit that form to dbi

the opportunity on the long side is the small caps and on the short side it's mostly in the small capslthough there are plenty of high priced -- market is expensive in large caps. in the expensive market we short the most expensive stocks. there are opportunities there too. maria: there was a lot of discussion around the tax plan. these maller companies are getting a huge benefit having to see a tax rate, a corporate rate go from almost 40% to 21%. but it's the large caps today that you say you're fieping opportunity. tell me how the dollar fits into that, joel. as the dollar traded up, that's a negative for these international companies but of course we've seen such volatility and most recently the dow is down do you think that continues? >> really we don't think about the world that way. we're looking more long term. you know, we're looking for earnings over years. and the dollar is not too far out of line with other currencies, if you look at a long term perspective. what it's going to do in the short term, there aren't many people good at predicting that. we're looking at earnings

now, when i looked at this, i asked, why would we put more of a small -- more of a burden on the small business than on the big corporation? but that's what congress did. and this is a problem because there are 11 million americans and their famsly working f-- fa working for fall businesses or themselves that don't get healthcare from their employer, they don't have that option. so what this proposal would do is it would create what's called a small business health plan or an association health plan. it would tell small businesses, and by the way, someone that's working for themselves from home running an etsy website or an ebay marketplace would qualify under this proposal. so he proprietitors, it would say they have the freedom to ban together, to create a large association, and that large association can access the market just like a big corporation. this is about leveling the playing field. why should small businesses have greater regulation than the large corporation? and it's transformative because those 11 million folks out there right now, they are, in essence, forced to not ha

if you need assistance with small business matters, start here, the office of small business. thank you. >>> item one call to order and roll call. (roll call). >> mr. president you have a quorum. general public comment. allows the public to comment on matters not on today's calendar and suggest new agenda items for the future. >> do we have any members of the public to comment on matters not in today's commission meeting? public comment is closed. >> item three approval of legacy business. the lab, the mindful body, plow and stars and slims. discussion and action item. presenter is richard kurylo, small business manager. >> good afternoon, president adams. commissioners, office of small business staff, sfgovtv i have a powerpoint for today. there are five applications for businesses to be included on the legacy business registry. the applications were reviewed by me for completion and submitted on january 11th for review. the historic preservation commission heard the applications on february 7th and made positive recommendations for each applicant there is a staff report, dra

small credit union in billings, montana, a small credit union and i quote, the small credit union, we spend ridiculous amount of time and complex rules and i'm pleased to see a bill that would eliminate some of the red tape so i can focus on serving my members, that was from sidney elbacken manager of homestead credit union in billings, montana. and another bank, bank in jordan, montana, i quote, dodd-frank has disproportionately affected small banks like mine, and resources and regulations with the bill. prior to dodd-frank's passage, my bill was able to keep up with compliance regulations with one staff member. now, in addition to that one staff member, we also have outside compliance consultants that cost us over $23,000 a year last year alone. i'm going to get back to that figure in a second. >> guest: i've talked to fellow bankers who have decided to sell or merge. and the loss of small community banks are is not good for our country, our consumers and our economy. this bill provides many remedy, not all remedies, but many remedies to allow us to remain competitive and serve the

meanwhile, small banks' share of u.s. domestic deposits and banking assets have decreased, and the five largest u.s. banks, which don't benefit from our bill, appear to have absorbed much of this market share. what i have said consistently is dodd-frank was supposed to stop too big to fail, and the net result has been too small to succeed. the big banks have gotten bigger since the passage of dodd-frank, and the small banks have disappeared, and they have retreated from their traditional role of relationship lending, first out of fear for regulation and that they might be doing something wrong, and then out of fear for the cost of regulation if they are going to work towards compliance. so i want to just make one simple point. this bill was not written by wall street bankers. it was not written by wall street lobbyists. if it were, it would be a completely different bill. this bill would actually provide relief to wall street banks and wall street bankers, and it does exactly the opposite. it gives relief to those institu

especially for small businesses. this is vital if we're going to continue on the course of economic growth. and at the end of the day, after all of our debate on the merits of this legislation, let's make sure we remember it's simply ain flakes adjustment for the amount of shares at that can be issued under this exemption. congressman macarthur is simply proposing to make this financing tool available to more startup companies and their investors. this should not be controversial. i urge support for congressman macarthur's bipartisan legislation, and i yield back the balance of my time. the speaker pro tempore: the gentleman yields back. the gentleman from texas reserves. the gentlelady from california reserves? ms. waters: i continue to reserve the balance of my time. the speaker pro tempore: the gentleman from texas is recognized. mr. hensarling: mr. speaker, i am now happy to yield three minutes to the majority whip of the committee, the gentleman from arkansas, mr. hill. the speaker pro tempore: the gentleman fro

he visited all three of those states listening to workers and small business owners. it's interesting, though, the huge number of early tax reform success stories aren't getting the applause they deserve from over here on the other side of the aisle. every one of my democratic colleagues in the house and in the senate made the political calculation to vote along party lines and try to sink tax reform. every single one of them in the house and the senate. fortunately, those efforts failed, but even with tax reform now, the law of the land, it seems my democratic friends are so unwilling to admit their mistake that they'd rather try to sabotage the law that is already helping families and making american job creators more competitive. just yesterday, for example, senate democrats announced they'd like to spend a trillion dollars -- a trillion dollars of taxpayer money and they want to roll back america's brand new tax cuts while they're at it. this popular new tax bill has been in effect for a couple of months. they want to roll it back already, take the money and spend

this is a very small restaurant, small kitchen. the hood length, which drives the cfm, is going to probably be very short. i think the amount of mechanical noise that is the main one on these projects, which is from the grease duct fans, probably pretty small and pretty low here. the only other equipment that i can see making any noise would be condensers for probably going to have a heat pump system. >> refrigeration, huh? >> yeah, and those probably would end up on the top roof. >> i'm just curious what other commissioners have to say. >> i mean, it's a great -- i think it'm supportive of the project. i think it's great design. maybe we can do a motion -- i can't do a motion where the hours are imt willed. i think you can do some work and punt this to staff on reducing the size of the roof. you've got something covering both the up and the down on the stairs, and if you could just limit that to one side. i mean, i think you get it. they're big for one stair going up. each of those seem big for one stair going up, so i think if yo

of course there's a small community of hybrid car owners here in the city of lagos. has an internal combustion engine i mean. electric motor famous watch even greater fuel economy unless you were to emissions and unconventional cars those people are not only fascinated by the technical innovations but also want to contribute to protecting the environment league has almost two million conventional car what you call hero this week it's training against the top. one who lives in lagos is familiar with this excuse. the loud gridlock of rush hour in nigeria's commercial capital. every day viz breaking this suggests is that we need to end and that's going to be really. well there's a solution to this problem and its name was silent. for a start button of a hybrid car like the one that belongs to a thirty five year old entrepreneur. the calderon's in both but still electric energy it's one of just a handful in nigeria. basically and if you come from the battery or the engine and you have the convents i had to call vox the currents today seem to me stored inside a battery so

they do small volumes in some cases. the rules and regulations coming out of the cfpb on qualified mortgage and ability to repay is really hurting the consumer. so i think this bill does a little bit to refocus on helping the consumer. and as i said at the beginning, we're not doing this bill, we're not pushing this to reduce regulations on banks. that, you know, that's nice. that's a great thing, but the macro point of this bill is to have greater economic growth, greater flow of credit, particularly in those communities, we serve 85% of all agricultural loans are done by community banks. nearly 60% of all small business loans are done by community banks. and we only represent 20% of the industry assets. if you compare us to, you know, the trillion-dollar, $2 trillion largest wall street international banks, we're a small segment of the banking sector overall, but we're very important. so these -- these rules are really about helping the consumer. >> so i think as a political reality, one of the deals cut in this legisl

so we do need to educate the small business community. so i would hope to be able to do that in all languages necessary. >> as a procedural point, if the committee doesn't change the date today, you could change it pushing it back on tuesday. and that would not trigger a referral back to committee. >> okay. mr. kueta, can i ask a question? do you need more time to answer the question about the operative date or would you like to get back to the committee and wait? i mean, if we wore to move this forward, would the sponsor be -- do you need more time to talk to the sponsor and have us decide on tuesday? >> i do. yes, i do. >> that's fine. okay. we have time. we -- because we have time, if you get a response before the end of public comment, but seeing no other names on the roster, we'll open this item up for public comment. those that wish to comment on the item, please come forward. >> before public comment, we were going to have the human rights commission present. >> okay. all righty. sorry about that. >> no problem. good afternoon, sup

item six, director's report, update and report on the office of small business and the small business center, department programs, policy and legislative matters, announcements from the mayor and announcements regarding small business activity. discussion item. >> i have a short director's report for you tonight. just want to highlight some things that took place between meetings. i met with supervisor tang's office, the office of labor standards and enforcement, department of public health. they're developing their rules and regulations around the lactation in the workplace, and so we had a preliminary -- a preliminary review, and they're going to be sending out an announcement in conjunction with our office soon on wanting businesses to provide input and feedback on the facq's. i think this particular meeting, it was a good thing for me to attend. it was a reminder to include a posting that goes up in the employee area. this is one that's not done with a posting, it's done by the employer providing the policy at the time of hire. so some of the items that we did discussion is that o

the opportunity on the long side is the small caps and on the short side it's mostly in the small caps although there are plenty of high priced -- market is expensive in large caps. in the expensive market we short the most expensive stocks. there are opportunities there too. maria: there was a lot of discussion around the tax plan. these maller companies are getting a huge benefit having to see a tax rate, a corporate rate go from almost 40% to 21%. but it's the large caps today that you say you're fieping opportunity. tell me how the dollar fits into that, joel. as the dollar traded up, that's a negative for these international companies but of course we've seen such volatility and most recently the dow is down do you think that continues? >> really we don't think about the world that way. we're looking more long term. you know, we're looking for earnings over years. and the dollar is not too far out of line with other currencies, if you look at a long term perspective. what it's going to do in the short term, there aren't many people good at predicting that. we're looking at earning

small brick manufacturers. small wood heaters. because as everyone knows, when you are in a big corporation, you got lawyers and you can do economic analysis, and you can do research and development. but a lot of these folks are just small, local operations. probably started by a husband and wife. probably brought on a kid or next door neighbor. in my opening statement i mentioned how in rural america there's not a lot of businesses other than maybe agriculture, people come into the town, so not only are these manufacturers, they are the backbone of these small communities. simply put this bill is a combination of two. one says, you really shouldn't force someone to comply with a regulation until they have thought -- fought the litigation battle because in the example, what we're talking claimant, the manufacturers, won. where either they went out of business because they were trying to comply or they had to have the success -- exsussive c manufacturers, won. where either they went out of business because they were trying to compl

to write a bills to give direction to the federal regulators so small banks could be treated as small thingsgs continue to be regulated as large as the mcqueen significant institution that they are just a few statistics everybody shouldev understand 30 years ago there was approximately 14000 big united states today there is approximately 5000. since dodd frank we have lost about 14% of our smallest banks. banking assets have decreased and the five largest u.s. bank which don't benefit from our bill appeared to absorb much of the market m share. what i have said consistently dodd frank was sought -- supposed to stop too big to fail now it is too small to succeed. the big banks of the bigger the passage of dodd faith in the small banks have disappeared. and they have retreated from the traditional role of relationship lending out of fear from regulation and they can be doing something wrong and then fear for the cost of regulation working toward compliance. so i want to make one simple point this bill is not written bankers or lobbyists if it were it would be a completely different bill

really hurt by the financial crisis itself because a lot of small businesses, especially start-up smallusinesses were basically funded by family and friends, home equity lines, and credit cards. and so we go to the financial crisis, home equity lines pulled back, credit cards pulled back and friends and family, economy is not so good. so, it's been a long road back for small businesses because those sources of credit were constrained. and the most difficult lending decision for a bank is really to a small business, it doesn't have much of a track record. banks like to lend against collateral, and so the hardest thing is for that business to get that initial capital so they can develop that track record to give the bank confidence in terms of how they're going forward. that's why we have the small business administration. we have community development organizations to help small businesses get over that hurdle because that start-up is very, very important for a vibrant small business community. >> shifting here a little bit. so, we were talking a little bit about this, you know, during l

your income for the small scale farmers who often struggle financially the cubs are adroit at the small factory then placing a compromise and for two days it turns them into charcoal then mix with water and molded into briquettes these are left to draw in the sun for not the five days done they're ready for use the factory produces a ton of pre-cancer each week that's new when you're enough we cannot produce much more and we calculated to replace all the firewood of our universe of kitchen and the schools we provide with three kids we need around four toys perique so we have to build another bigger carbonized. since starting to produce b. cats the university has massively cut back on if i would use that's not only helping to preserve the forests it's also saving the institution money and the idea is catching on a nearby school has now introduced a new technology albert smith is hoping the project will set a precedence nationwide and help stop the rapid disappearance of you can't just forced. wow one thousand five hundred students with eco friendly measures because that has to protect ou

senator crapo's legislation starts from the simple premise, small community lenders on main street are not the same as the multitrillion-dollar banks on wall street. but since the dodd-frank act passed in 2010, too many regulations have treated all of them the same and imposed a trucker -- a crushing burden on community banks not able to bear it. a small number in the senate seem dead set against commonsense reforms to help these institutions dusting off old arguments and suggesting apocalyptic consequences from even this modest set of reforms. that's a same because when small lenders shut their doors, communities throughout america pay the price. even in this online era, research tells us that the closure of physical banks makes it harder for farmers, ranchers, small business owners, and low-income families to access capital. the story has played out thousands of times across the country. the legislation before us would restore community lenders' ability to provide credit without having to navigate a maze of regulation that was designed for far bigger organizations. this commonsense b

we've got to a point where small banks are too small to succeed. thirty years ago we had 14000 banks in america and today we have fewer than 5000. the trend was underway before dad frank. but died frank worsened it. one data point makes it clear, before dad frank came a lease to get over a hundred per year. it's a great thing when people do that because it introduces new competition and choices for consumers and access to capital. overall 100 per year routinely for decades. from the time died frank was passed a startup in america. we were completely destroyed and there's a price for that. there's a price to communities and higher costs for credit. there is less capital honest is not serve anyone well. i legislation is going to improve the overall regulatory environment. let me touch on a few features. is designed to the originator mortgage and keep that mortgage on their portfolio. when a financial institution originates the mortgage and sells it there is a sense that it doesn't care about the ability to repay. they're very extensive regulations th

have small footprints. example, we don't mandate that you have a lactation room, but rather lactation space. in city hall we have a lactation pod here open to the public. ♪ ♪ >> so the more we can change, especially in government offices, the more we can support women. >> i think for the work place to really offer support and encouragement for pumping and breast feeding mothers is necessary. >> what is most important about the legislation is that number one, we require that an employer have a lactation policy in place and then have a conversation with a new hire as well as an employee who requests parental leave. otherwise a lot of times moms don't feel comfortable asking their boss for lactation accommodations. really it's hard to go back to the office after you have become a mom, you're leaving your heart outside of your body. when you can provide your child food from your body and know you're connecting with them in that way, i know it means a lot to a mommy motionlely and physically to be able to do tha

small businesses remain competitive in louisiana. we are cutting through the red tape and giving small businesses regulatory relief that cost them money and that are overly burdensome. louisiana ranks as the six worst in the nation for a convoluted occupational licensing requirements. we can fix that. to ensure we are maximizing our efforts to provide regulatory relief i've directed my cabinet to review all regulations especially related to small businesses and identify areas where we can provide relief. further, we will be establishing an occupational licensing review. first up repealing licensing requirements for florists, which we are the only state in the nation to require. in addition we're going to make it easier for the spouses and children of military families to get occupational licensing so they can support their families when they are stationed here in louisiana or have to be separated from their loved ones during deployment. [ applause ] you know, service members are not the only ones who make sacrifices for our country.

showed these images of a small group of al nusra front fighters and their families boarding a bus in eastern guta. it said to be taken to areas controlled by the government and its promising them safe passage to rebel held it live province even though the government views them as terrorists. despite the profound devastation in ghouta most opposition groups are rejecting the government's offer to evacuate. earlier and emergency aid convoy deliver desperately needed supplies to residents. this should be enough to feed twelve thousand people for one month but almost four hundred thousand people have been living under government siege in eastern go to for five years the delivery was interrupted by renewed fighting. in the past month russian backed regime forces have intensified airstrikes to clear the way for troops advancing on the ground. they've already taken over half of the enclaves territory and the syrian military gains have caused wide scale displacement. more than a thousand people have been killed. that number could rise sharply if the onslaught continues. and we're joined now

small business.king about emerging business. sachs did aan survey of small businesses last month, and the number one problem they had was credit, small business. will you fix it? not all by its self. mobility in the united states is declining. fewer people are picking up and moving in order to find a new job and start a new career. -- alls all come to come kinds of complicated reasons behind it. lisa: do you expect consolidation among regional banks as they have more ability to lend and they want a bigger foot? roger: probably at the margin a little bit. this alone will not drive a lot of that. david: it is broadly believe that europe is over bank. are we over baked here? roger: it is hard to say. the united states broadly is over banking. you might argue from a consumer level, for example a simple forth, it atm and so is over bank in that sense. i don't think we are over bank. lisa: i understand bipartisan support to shore up lending for small businesses, but is this coming at the wrong time and giv