3 Many in Richmond Lack ID Many immigrantsMany children and studentsMany homelessMany transgenderMany indigentMany disabledMany elderlyMany run-away youthMany survivors of domestic violence
4 Half of the people deported by ICE from Contra Costa County were NEVER convicted of any crime West County Times 02/25/2011Between April 2010 and January ICE deported from Contra Costa County 290 persons who were never convicted of any crime.On average: One Contra Costa resident deported each day even though she/he was never convicted of a crime.They were picked-up at county jails by ICESome were jailed because they did not have an ID to show to law enforcement upon valid request.
5 There is no law requiring citizens to carry identification of any kind. Nevertheless, “Stop and identify” statutes are laws in the United States that allow police to detain persons reasonably suspected of involvement in a crime and require persons so detained to identify themselves to the police.If the manager of Home Depot receives a complaint froma customer that ‘one of the day laborers’ was committinga crime…can the police detain all in the area and ask foridentification?.... It has been known to happen (In Vallejofor instance)…and the ones without a PROOF of ID weresent to county jail for the weekend, and some never madeit back: They were deported by ICE!
6 . if an officer suspects a crime, or you merely refuse to cooperate with his a request for ID… you may be handcuffed, detained, and taken to county jail to process your fingerprints and if you are on an ICE list you may be deported immediatelyHaving a City ID can help avoid cases like that
7 Many are afraid to report crimes Without a valid form of identification, many residentsin marginalized communities…Think they have no right to report crimes,Feel they have no standingAre afraid to talk to police officers
8 Many are afraid to report housing and labor violations Blighted rental properties arenot reported.Slumlords get away with crimesWorkplace health and safety violations,wage violations are not reported.Unscrupulous employers get away with crimes.
9 Many cannot open a bank account Immigrants and day laborers carrying large amounts of cash have been specifically targeted for robbery, assault and violent crimes
10 Richmond residents who are paid in cash daily (day laborers) are targets as they go home Immigrant day laborers have been targeted and victimized in organized attacks on MacDonald Ave walking from Home Depot and near the Richmond BART station.Many have been hurt during these robberies
11 Worked all day, all week, and not paid! It happens in Richmond, CA!Unpaid wage incidents, discrimination, and other labor law violations committed by abusive employers.These abuses of labor rights arepossible in part because the laborers don’t trust that the police and other authorities will protect them from crimes, violence and harassment.
12 Richmond Values All Immigrants In RESOLUTION No THE RICHMOND CITY COUNCIL (Jan 2007)Acknowledges that one fourth of Richmond residents are immigrants who have come to the U.S. in search of better lives for themselves and their familiesWelcomes and values all of its residents andWants all residents to live and work free from discrimination, hostility, abuse, violence, exploitation and fear of local, state and federal law enforcementRecognizes all immigrants for their contributions to our economic and social lifeAffirms its desire to foster an atmosphere of trust and cooperation between the Richmond Police Department and all residents of the city of Richmond
13 Undocumented Immigrants are not eligible for a California ID even if they are adjusting their legal status in the courts.While some have foreign-government “Matrícula”/Consular ID , the Matrículas are not available to all foreign nationals and are not widely accepted.
14 IDs are often required to access goods,services,facilities,institutions,to participatein eventsandto verify eligibility
15 Homeless CommunityMany do not have access to personal records or documents needed to apply for State IDMay not be able topay the fee ($7-$26)
16 LGBT Community Some are marginalized May have had difficulties changing their name or gender in state issued ID cardsMay want to have a different gender or no gender listedMay not have “medical proof’ to complete change
17 Children and YouthSome runaways do not have access to personal records or needed documentsMany don’t trust state agencies
18 The ElderlyThe elderly may face many obstacles to get a state ID even if they qualify for reduced fee
19 We need a Richmond ID CARD 2400 Macdonald AveRichmond, CA 94804For every resident who wants it
20 And we want it to be modern and with great useful features…
21 Can Cities provide ID Cards Can Cities provide ID Cards? It is perfectly legal for any City to issue IDs It does not violate any federal or state laws We need an ID Card that is: Official For all residents of the City Regardless of immigration status
22 The Oakland-SFMS Approach In June of 2009 the City of Oakland adopted ordinance #12937 [introduced by now Mayor Jean Quan and councilmember Ignacio de la Fuente ] to issue Municipal ID Cards On November 2010 after a bid process Oakland accepted a bid by SFMS, LLC to administer the program and issue municipal ID cards
23 The Oakland SFMS proposal combines: 1. Municipal Identification Card 2 The Oakland SFMS proposal combines: 1. Municipal Identification Card 2. Prepaid debit card (OMIC card by Transfercel ) 3. Data protected by the Bank Secrecy Act 4. $0 cost to the City for lifetime of program
24 $ Cost of the ID to residents $ The initial cost of obtaining the RichmondMunicipal ID card would be$15 for adults$10 for childrenSpecial consideration may be made in some cases
25 MANY SECURITY SPECIFICATIONS 1 . The card is of a certain stock thickness and material The card stock inventory is laser engraved with a serial number Fine line pattern background (guilloche graphic created by vector graphic imaging software) Embedded watermark Microtext Foil stamp of City Seal Laser etching Optical Variable Ink on certain areas of text (when tilted, the card ink turns a different color) Ultra Violet Ink Holograms on either the card face (if a Visa card) or the magnetic stripe (if Discover card) Tamper proof magnetic stripe Tamper proof signature panel Security features vary slightly when card is Discover or Visa
26 Identification Card Specifications ID number (also known as the ‘Online Account Number’; it is a 14-digit unique identifier of the cardholder. The number can be used to access the cardholder’s account online and during intake or customer support)Full legal name (last name, first name)Date of birth (month/day/year )Residential address(corresponding to a Proof of Residency)Photo16 digit card number(corresponding to the prepaid debit account)Expiration date(of the card and account); the Expiration Date isdetermined by adding two years to the date of issuanceApplicant signature2400 Macdonald AveRichmond, CA 94804
27 Recordable, Readable Magnetic Stripe Back side Contains cardholder Information.When swiped, individual’s name,ID number will appear, allowingPolice officers, merchants, or Cityagents to verify that personalinformation on the face of thecard matches the information used to register the card and the prepaid debit account.The magnetic stripe> facilitates financial transactions for the cardholder,> identifies cardholder at any traditional magnetic stripe card reader.The stripe has several “tracks” which can be programmed to carryspecific information
28 Operational specifications Point of sale (POS) or checkout is thelocation where a transaction occurs.A salesperson manages the sellingprocess and creates and prints a receipt.If the City chooses a POS systemthrough an acquiring network likethe one run by Wells Fargo Bank,the OMIC card by Transfercel as anydebit card in that system, can be readon the system without any furtherintegration.SFMS’s OMIC program can be offered on either the Visa or the Discover card networks. These networks include millions ofATM and POS locations throughout the US where the OMIC can be used to make purchases, payments and withdrawals.
29 Possible Interface with other Systems The Richmond Municipal ID Card could also interface with The Richmond Library SystemCity fees and permitsRichmond MuseumEast Bay Center for the Performance ArtsWest Contra Costa Unified School DistrictAC TransitContra Costa College.Contra Costa Health Plan
30 The DEBIT CARDS services ARE NOT required to obtain a Richmond Municipal ID If not wanted the DEBIT CARD component will remain inactivated until otherwise desired There is no fee for enrollment in debit card services
31 A DEBIT CARD Stored Value Card Services (SVC) The Transfercel OMIC will function on the Transfercel prepaid debit card platform.It will have all the functionality of a ‘signature’ card (as opposed to a PIN card) which in addition to working on the several ATM/POS networks will be fully certified on either the Visa or the Discover network (whichever the City requests).Transactions are verified by both PIN and cardholder signature, increasing the level of transaction security.
32 With the [Prepaid Debit ] STORED VALUE CARD Residents will be able to use their Transfercel OMIC account to:Load cash onto their Card via POS at participating businessesLoad checks onto Card at participating businessesLoad the card for free via Direct DepositCheck balance on internet, IVR and soon, their mobile device(if signed up for mobile services)Make purchases at POS terminals and withdraw cash at ATMsMake purchases and reservations over the phone and internetPay bills over the phone, on the internet and through the mail
33 Also will be able to make Low-cost domestic and international money transfersCard-to-card transfers to other Transfercel cardholders in theUS and Mexico (such as friends and family members), as well asMoney transfers to 12 countriesLink it to their cell phone to enable secure mobile financialtransactionsIf a Richmond resident’s family member in Mexico is a Transfercelcardholder, then s/he has the option to select a no-cost insurance,which would repatriate the remains of the Richmond resident incase of his/her accidental death (assuming Richmond resident is aMexican national).Other financial services are possible if the City wishes: i.e. longdistance phone service, insurance vendors (low cost auto insurance)to cardholders.
34 With Richmond Municipal ID Card Commercial rewards, rebate or incentive programs can be offered by local merchants to residents using the cardsSFMS will work with the City to identify suitable vendors and then with the vendors directly to add functionality to the card.The vendors get more business and when cash or checks are loaded on a card the vendors receive half of the $2.95 transaction fee.%%%%%%%% OFFWith Richmond Municipal ID Card
35 Fee schedule for Debit Card activities The fees below are based on the current Transfercel fee schedule.The fee schedule for the Transfercel OMIC would be finalized with feedback from the City of RichmondFees for the prepaid debit card are determined by the actual costs of the services charged by the banks and card networks.
36 Transaction Fees DEBIT CARD Enrollment FREE Payroll Direct Deposit or ACH Load FREEPIN or Password Change FREEPOS Purchases and Cashback FREELive Customer Service Inquiry Call FREEIVR inquiries FREEOnline Account Access and Management FREEatAccount Maintenance (monthly) $0.99Mobile FeesMonthly Mobile Maintenance $1.50Mobile Inquiry: Check your Balance FREEMobile Inquiry: Check your Transaction History FREEMobile Inquiry: Report your Card Lost or Stolen FREEMobile Inquiry: View a list of your Beneficiaries FREEMobile Inquiry: Change your Access Code FREEMobile Inquiry: View Help Options FREEMobile Inquiry: Opt out of Mobile Services FREE
37 Fee Schedule Domestic ATM Withdrawal $1.50* ATM Balance Inquiry $0.60* ATM Denial Fee $0.60*POS Purchase Denial or Return $0.50Statement issuance via U.S. mail or fax fee $4.95(only if requested)Inactive Account Fee Monthly $1.00**Funds Transfer to Replacement Card $1.00Domestic Card-to-Card Transfer $2.00International Signature Card ATM Withdrawal $3.50International Remittance (SF Network) $5.00International Remittance (CNB Network) $6.00* In addition to fees chargedby the ATM operator.** For cards not used in fourmonths.Loading FeesLoad at TRANSFERCEL Merchant $2.95Load at non-TRANSFERCEL Merchant Varies by locationLoad via GreenDot MoneyPak No additional fee
38 Daily LimitsMaximum amount allowed on Card at any given time is $2, excluding Payroll Direct Deposit loads.Loads $ 1,000.00ATM withdrawals $POS Purchases (card present) $ ***Internet and Phone POS Purchases $ ***Card to Card Transfer $ ***International Transfer $ 1, ****** The sum of these transactions may not exceed $2, per day.
39 Pre-registration support Residents will acquire their Richmond Municipal ID Card through both a pre-registration and a final registration process.In order to pre-register, Residents will be asked to either call the Transfercel customer care center or use the website to enter their information.Likely churches, community centers, libraries, schools and locations with computers available for the public to use will volunteer to help their community members complete the pre-registration for a card.SFMS will reach out to these groups to educate them about how they can help their communities by encouraging and facilitating pre-registration.
40 Intake Centers Need several intake centers in Richmond. Staffed with one full-time contract workerPaid by SFMS to work only on “Intakes”Intake centers may be established either atCity agencies or at organizations which havecontracted with SFMSPartnerships with CBOs possible
41 Documents for identity verification: The City of Richmond shall determine the qualifications for obtaining a Transfercel OMIC. Based upon the ID requirements set by the City of San Francisco and Oakland the requirements for the debit card set by our issuing bank, SFMS suggests the following in Oakland:ONE of the following documents (must display applicant's photograph and date of birth):• US or Foreign Passport• US Driver's License• US State ID• US Permanent Resident Card (Green Card)• Consular Identification (CID)
42 Documents for identity verification TWO of the following documents (at least one document must display applicant’s date of birth and photograph. Photograph requirement does not apply to applicants 13 and under):• Certified Copy of US or Foreign Birth Certificate• Social Security Card• National ID Card with photo, name, address, date of birth, and expiration date• Foreign Driver's License• US or Foreign Military Identification Card• Current Visa issued by a government agency• Taxpayer Identification Number (ITIN) authorization letter• California Educational Institution Identification Card: elementary, middle, secondary and post secondary schools
43 PROOF OF RESIDENCY ONE of the following documents containing the applicant's name and residential address within the City of Richmond• Utility bill dated within the last 30 days• Property tax statement or mortgage payment dated within 30 days• Bank account statement dated within the last 30 days• Proof of a minor currently enrolled in a school located in Richmond• Employment pay stub dated within the last 30 days• Jury summons or court order issued by a state or federal courtdated in the last 30 days• Federal or state income tax or refund dated within the last 30 days• Insurance bill (homeowner’s, renter’s, health, life or automobile insurance) dated in the last 30 days• If a certified copy of a marriage certificate is presented at the time of application, an applicant may prove residency using documents bearing the name of his/her spouse.
44 Possible Alternative Proofs of Residence • Written verification issued by a homeless shelter confirming at least 15 days residency within the last 30 days• Written verification issued by a hospital, health clinic or social services agency confirming at least 15 days residency within the last 30 daysWritten verification issued by local neighborhood council officials of neighborhood of residence confirming residency to the best of knowledge [visit].For room-renters written verification by home owner or person named in rental contract confirming residency of room-renter.Certified affidavit signed by two Richmond residents.
45 Flexible training course which can be adapted for the purposes of training Residents, Police officers, City administrators, merchants or intake agents.At each intake center, educational materials will be on handThe Transfercel OMIC comes with a user guide which provides full instruction on the use of the card.A mobile user guide describes how the customer can use their cell phone to make transactions and check their balance on their account.Product promoters to teach consumers how to leverage the prepaid debit cards to access low-cost financial tools that will protect their financial assets, simplify their lives, and save them money.Customer training
46 LanguagesSFMS is committed to hiring intake agents who can speak the languages of the diverse populations of Richmond.CNB’s IVR system can support English, Spanish, Portuguese, Creole and Mandarin.Following the City’s directive, SFMS could add staff who speak additional languages other than Spanish and English for itscustomer care center.
47 Future expansion of product functionality 1. Government to Person (G2P) payments. Welfare, pension, EITC and other government payments can be paid directly to beneficiaries’ Transfercel OMIC. This would save the City money by reducing their need to print checks to issue payments and refunds.2. Payroll card. Employers, such as the City of Richmond, who wished to use the Transfercel OMIC as a payroll card could do so.3. Savings accounts. SFMS is planning to work with community banking partners to develop the ability to link its stored value accounts to existing bank accounts, such as high yield savings accounts. This will allow Residents to transfer money on and off their Transfercel OMIC to their savings or checking accounts, allowing them greater financial freedom.4. Local currency. If the City wishes for the Transfercel OMIC to partner with a local organization to allow for a local Oakland currency to be used by cardholders, SFMS will work to add this capability to the Transfercel OMIC.
48 In summary A Richmond Municipal ID Program will benefit many residents It will help residents to report crimes and connect with the policeIt will help people access services and facilitiesIt will have many security features to prevent tampering and fraudIt will serve as a debit card and can promote local commerceIt will protect confidential data under the Bank Secrecy ActIt will cost nothing to the City of RichmondIt will support itself with small transaction feesIt will make Richmond better, safer, and get more peopleparticipating in civic lifeIt will be available for every resident of Richmond who wants it
49 We ASK for YOUR SUPPORTPlease help Richmond become a Better City for ALL its residentswith aRichmond Municipal Identification Cards Program
50 Prepared by Richmond Municipal Identification Cards 2011 Coalition City of Richmond. CARichmond MunicipalIdentification Cards2011 CoalitionBuilding A Better Richmond