the ceo of ne community federal credit union. since 1988, she has been the ceo of northwest community federal credit union. under her watch, the credit union group to over 1600 members. it has become the national model for institutions seeking to provide financial education and banking services to the low- income communities. last but not least, we have our conditional lender represented here by wells fargo. mark cyrus is the senior fda banker for the region -- the senior sba banker. he held businesses choose the best loans for the growing business and focus on a comprehensive understanding of their goals for their business. mark is responsible for helping entrepreneurs with sba loans every step of the way. i would like each of you to speak a little bit about what your organization does and, more importantly, address the audience here and let them know what your looking for when you are hoping to fund their loan. we will start with you, mark. >> absolutely. thank you. i want to thank speaker pelosi for putting this together. i want to thank all of the of for coming out on a smell it -- snowy san francisco date. [laughter] we've been told we shou

the construction unions. it has made a huge difference in addressing safety and health, changing conditions. another thing they have done to give you great credit, in construction, one of the highest risk or groups are those of immigrant and non english- speaking workers that make up a big part of the work force. look at the fatality rates, they are much higher than other workers. they have the terrific job in trying to get out of those sectors. as one to give you credit for that. >> construction is a very heterogenous industry. they have supply chain issues, who drives them all the way down to the contractors, subcontractors. ito wonderful job. and there are many that don't. they pay less than minimum wage, and they don't. they provide very little with safety protection. we focus on those workers and those employers, doing the things they can do, compliance assistance programs on the web, also reaching out to organizations to reach an immigrant workers and don't speak english. in getting information out to then, you have rights. you could fall. we have made very clear that we will enforce the training requirements. if you're doing required training, you have to do it in a language workers under

the construction unions. it has made a huge difference in addressing safety and health, changing conditions. another thing they have done to give you great credit, in construction, one of the highest risk or groups are those of immigrant and non english- speaking workers that make up a big part of the work force. look at the fatality rates, they are much higher than other workers. they have the terrific job in trying to get out of those sectors. as one to give you credit for that. >> construction is a very heterogenous industry. they have supply chain issues, who drives them all the way down to the contractors, subcontractors. ito wonderful job. and there are many that don't. they pay less than minimum wage, and they don't. they provide very little with safety protection. we focus on those workers and those employers, doing the things they can do, compliance assistance programs on the web, also reaching out to organizations to reach an immigrant workers and don't speak english. in getting information out to then, you have rights. you could fall. we have made very clear that we will enforce the training requirements. if you're doing required training, you have to do it in a language workers under