1. Richmond Municipal Identification Cards

2. Something we all can use…

3. Many in Richmond Lack ID
Many immigrants
Many children and students
Many homeless
Many transgender
Many indigent
Many disabled
Many elderly
Many run-away youth
Many 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 02/25/2011
Between 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 ICE
Some 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 from
a customer that ‘one of the day laborers’ was committing
a crime…can the police detain all in the area and ask for
identification?.... It has been known to happen (In Vallejo
for instance)…and the ones without a PROOF of ID were
sent to county jail for the weekend, and some never made
it 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 immediately
Having a City ID can help avoid cases like that

7. Many are afraid to report crimes
Without a valid form of identification, many residents
in marginalized communities…
Think they have no right to report crimes,
Feel they have no standing
Are afraid to talk to police officers

8. Many are afraid to report housing and labor violations
Blighted rental properties are
not reported.
Slumlords get away with crimes
Workplace 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 are
possible 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 families
Welcomes and values all of its residents and
Wants all residents to live and work free from discrimination, hostility, abuse, violence, exploitation and fear of local, state and federal law enforcement
Recognizes all immigrants for their contributions to our economic and social life
Affirms 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 participate
in events
and
to verify eligibility

15. Homeless Community
Many do not have access to personal records or documents needed to apply for State ID
May not be able to
pay the fee ($7-$26)

16. LGBT Community Some are marginalized
May have had difficulties changing their name or gender in state issued ID cards
May want to have a different gender or no gender listed
May not have “medical proof’ to complete change

17. Children and Youth
Some runaways do not have access to personal records or needed documents
Many don’t trust state agencies

18. The Elderly
The 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 Ave
Richmond, CA 94804
For 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 Richmond
Municipal ID card would be
$15 for adults
$10 for children
Special 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)
Photo
16 digit card number
(corresponding to the prepaid debit account)
Expiration date
(of the card and account); the Expiration Date is
determined by adding two years to the date of issuance
Applicant signature
2400 Macdonald Ave
Richmond, CA 94804

27. Recordable, Readable Magnetic Stripe Back side
Contains cardholder Information.
When swiped, individual’s name,
ID number will appear, allowing
Police officers, merchants, or City
agents to verify that personal
information on the face of the
card 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 carry
specific information

28. Operational specifications
Point of sale (POS) or checkout is the
location where a transaction occurs.
A salesperson manages the selling
process and creates and prints a receipt.
If the City chooses a POS system
through an acquiring network like
the one run by Wells Fargo Bank,
the OMIC card by Transfercel as any
debit card in that system, can be read
on the system without any further
integration.
SFMS’s OMIC program can be offered on either the Visa or the Discover card networks. These networks include millions of
ATM 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 System
City fees and permits
Richmond Museum
East Bay Center for the Performance Arts
West Contra Costa Unified School District
AC Transit
Contra 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 businesses
Load checks onto Card at participating businesses
Load the card for free via Direct Deposit
Check balance on internet, IVR and soon, their mobile device
(if signed up for mobile services)
Make purchases at POS terminals and withdraw cash at ATMs
Make purchases and reservations over the phone and internet
Pay bills over the phone, on the internet and through the mail

33. Also will be able to make
Low-cost domestic and international money transfers
Card-to-card transfers to other Transfercel cardholders in the
US and Mexico (such as friends and family members), as well as
Money transfers to 12 countries
Link it to their cell phone to enable secure mobile financial
transactions
If a Richmond resident’s family member in Mexico is a Transfercel
cardholder, then s/he has the option to select a no-cost insurance,
which would repatriate the remains of the Richmond resident in
case of his/her accidental death (assuming Richmond resident is a
Mexican national).
Other financial services are possible if the City wishes: i.e. long
distance 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 cards
SFMS 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.
%%%%%%%% OFF
With 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 Richmond
Fees 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 FREE
PIN or Password Change FREE
POS Purchases and Cashback FREE
Live Customer Service Inquiry Call FREE
IVR inquiries FREE
Online Account Access and Management FREE at
Account Maintenance (monthly) $0.99
Mobile Fees
Monthly Mobile Maintenance $1.50
Mobile Inquiry: Check your Balance FREE
Mobile Inquiry: Check your Transaction History FREE
Mobile Inquiry: Report your Card Lost or Stolen FREE
Mobile Inquiry: View a list of your Beneficiaries FREE
Mobile Inquiry: Change your Access Code FREE
Mobile Inquiry: View Help Options FREE
Mobile 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 $0.50
Statement issuance via U.S. mail or fax fee $4.95
(only if requested)
Inactive Account Fee Monthly $1.00**
Funds Transfer to Replacement Card $1.00
Domestic Card-to-Card Transfer $2.00
International Signature Card ATM Withdrawal $3.50
International Remittance (SF Network) $5.00
International Remittance (CNB Network) $6.00
* In addition to fees charged
by the ATM operator.
** For cards not used in four
months.
Loading Fees
Load at TRANSFERCEL Merchant $2.95
Load at non-TRANSFERCEL Merchant Varies by location
Load via GreenDot MoneyPak No additional fee

38. Daily Limits
Maximum amount allowed on Card at any given time is $2, excluding Payroll Direct Deposit loads.
Loads $ 1,000.00
ATM 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 worker
Paid by SFMS to work only on “Intakes”
Intake centers may be established either at
City agencies or at organizations which have
contracted with SFMS
Partnerships 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 court
dated 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 days
Written 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 hand
The 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. Languages
SFMS 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 its
customer 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 police
It will help people access services and facilities
It will have many security features to prevent tampering and fraud
It will serve as a debit card and can promote local commerce
It will protect confidential data under the Bank Secrecy Act
It will cost nothing to the City of Richmond
It will support itself with small transaction fees
It will make Richmond better, safer, and get more people
participating in civic life
It will be available for every resident of Richmond who wants it

49. We ASK for YOUR SUPPORT
Please help Richmond become a Better City for ALL its residents
with a
Richmond Municipal Identification Cards Program

50. Prepared by Richmond Municipal Identification Cards 2011 Coalition
City of Richmond. CA
Richmond Municipal
Identification Cards
2011 Coalition
Building A Better Richmond