paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbanked and those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the communit

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbanked and those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the communit

as you prepare for meetings, you talk to folks from the underbanked and the unbanked all the way to thegm running toyota. and you bring those voices to the fed and say, here is what we see and what's going on in our markets. that's what's so critical for us as a commercial banker. because we're one of the few industries that his everything. that's the value we bring. >> let me ask mr. spriggs, the same thing. >> we believe there are only three labor members among the 12 regional banks. so considering the importance of workers and workers as consumers, i don't think the current system gets us the kind of diversity that we need. in the entire history of the fed, no, zero african-american or latino has ever been chosen to be president of a regional bank. so i don't think the system is designed. it looks like bankers. it talks like bankers. it's people bankers are comfortable with. but it doesn't have a built-in way to assure it. currently, we do applaud the fed for paying attention to this and trying to address it. but -- >> my time has expired. i got it. i thank you for your answer. i tha

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbanked and those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the communit

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started, it was really driven through the fed to say, how do we better serve the underbanked and unbanked. that's really the key role bankers play. because we have a moral obligation to ensure that all of our communities are served. as we sit on the fed boards, our primary focus is to make sure those voices are heard. as you prepare for meetings, you talk to folks from the underbanked and unbanked to the gm running toyota and you bring those voices to the fed and say, here's what we see and what's going on in our markets. that's what's so critical for us as a commercial banker. we're one of the few industries that see everything and that's the value -- >> let me ask mr. spriggs, same thing. >> regrettably, there are only three labor members among the 12 regional banks. so, considering the importance of workers and workers as consumers, i don't think the current system gets us the kind of diversity that we need in the entire history of the fed, no zero african-american or latino has ever been chosen to the president of a regional bank. so, i don't think the system is designed -- it looks l

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbanked and those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the communit

the nearly 8 years since we adopted this program, we've added another 16 programs, be helping the unbanked and underbanked individuals take control of their finances. all of this dates back to the knowledge i gained, serving under federal reserve. my time as a director, i and other bankers on our board, brought valuable insights from our communities into our discussions. we reached out to a diverse set of community leaders to gather specific feedback that helped drive policy decisions. over time, these trusted voices from main street began seeking us out to offer their views on issues of the day. these candid regional perspectives were valuable to our discussions on the drivers of our local economies. bankers are a vital asset, i recognize the concerns that have surfaced over whether bank directors might somehow attempt to control or manipulate decisions for the betterment of their own institutions. i believe this issue is effectively addressed throughed current policies and procedures of the federal reserve system. the banking industry is highly regulated. and fully understand the consequ

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbanked and those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the communit

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbankednd those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the community

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbankedd those that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the community t

paper another piece and in closing to echo this is so unfortunate that we still have so many folks unbanked that place their hope and faith in financial institutions we believe the piece of our job to make sure they understand the process and have the confidence in the safety of working with the financial institution so thank you very much i applaud the city of san francisco the treasurer and my fellow nonprofits that do this work every single day. >> thank you katherine he'll repeat 8007066006 we're handing out a flier with the information that number will be on the sf treasurer.org i canned is enough about the great work and they'll help people going through this difficult time that may have happened in the wells fargo account i'm existing to introduce supervisor campos david. >> (clapping.) >> thank you good morning buenas dias and thank you to the treasurer he knows the thing again what wells fargo did the damage is beyond the impact on anyone that has been impacted by these accounts those fake accounts it is on the issue of trust because we have been working with the community that has

that means dealing from the underbanked and unbanked all the way up to the large corporations. in doing so, we strengthen the markets that we serve and there is no real conflict there, because that's what a community banker does. every day there's 8,000 of us throughout the country that every day wake up and worry about what we can do to make this a better place for everyone. and those are the voices that we also bring to the fed as we think about what we do as members of the federal reserve board, is to talk about all those voices. so clearly, mr. chairman, there is no conflict. it's just good business. >> and what i'm very concerned about, as i too, like one of my colleagues, i can't remember who it was, as they sit down and talk to employers, a couple of things that they expressed, they said we have a hard time finding somebody that will show up every day and be able to pass a drug test. those are two basic thresholds that they need to meet. and they say, you know what, we will take care of so much of the rest of it. we need to have people who will show up and who can show u