Transcript Richmond Municipal ID - Richmond Progressive Alliance

Richmond
Municipal
Identification
Cards
Something we all can use…
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
West County Times 02/25/2011
Between April 2010 and January 2011 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.
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!
.
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
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
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.
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
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
Worked all day, all week, and not paid!
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.
Richmond Values All Immigrants
In RESOLUTION No 11-07 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
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.
IDs are often
required to
access goods,
services,
facilities,
institutions,
to participate
in events
and
to verify eligibility
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)
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
Children and Youth
Some runaways do not have
access to personal records or
needed documents
Many don’t trust state agencies
The Elderly
The elderly
may face
many
obstacles to
get a state ID
even if they
qualify for
reduced fee
We need a Richmond ID CARD
2400 Macdonald Ave
Richmond, CA 94804
For every resident who wants it
And we want it to be modern and with great useful features…
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
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
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
$ 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
MANY SECURITY SPECIFICATIONS
1 . The card is of a certain stock thickness and material
2 . The card stock inventory is laser engraved with a serial number
3 . Fine line pattern background (guilloche graphic created by
vector graphic imaging software)
4 . Embedded watermark
5 . Microtext
6 . Foil stamp of City Seal
7 . Laser etching
8 . Optical Variable Ink on certain areas of text
(when tilted, the card ink turns a different color)
9 . Ultra Violet Ink
10. Holograms on either the card face (if a Visa card) or the magnetic
stripe (if Discover card)
11. Tamper proof magnetic stripe
12 . Tamper proof signature panel
13 . Security features vary slightly when card is Discover or Visa
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
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
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.
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
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
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.
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
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.
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
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.
Transaction Fees
DEBIT CARD
• Enrollment
• Payroll Direct Deposit or ACH Load
• PIN or Password Change
• POS Purchases and Cashback
• Live Customer Service Inquiry Call
• IVR inquiries
• Online Account Access and Management
at http://www.transfercel.com
• Account Maintenance (monthly)
FREE
FREE
FREE
FREE
FREE
FREE
FREE
$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
Fee Schedule
Domestic ATM Withdrawal
ATM Balance Inquiry
ATM Denial Fee
POS Purchase Denial or Return
Statement issuance via U.S. mail or fax fee
(only if requested)
Inactive Account Fee Monthly
Funds Transfer to Replacement Card
Domestic Card-to-Card Transfer
International Signature Card ATM Withdrawal
International Remittance (SF Network)
International Remittance (CNB Network)
Loading Fees
Load at TRANSFERCEL Merchant
Load at non-TRANSFERCEL Merchant
Load via GreenDot MoneyPak
$1.50*
$0.60*
$0.60*
$0.50
$4.95
$1.00**
$1.00
$2.00
$3.50
$5.00
$6.00
* In addition to fees charged
by the ATM operator.
** For cards not used in four
months.
$2.95
Varies by location
No additional fee
Daily Limits
Maximum amount allowed on Card at any given time is $2,999.00
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
$ 500.00
$ 500.00 ***
$ 150.00 ***
$ 500.00 ***
$ 1,000.00 ***
*** The sum of these transactions may not exceed $2,500.00 per day.
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.
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
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)
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
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.
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.
Customer training
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.
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.
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.
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
We ASK for YOUR SUPPORT
Please help Richmond become a
Better City for ALL its residents
with a
Richmond Municipal Identification Cards
Program
Prepared by
City of Richmond. CA
Richmond Municipal
Identification Cards
2011 Coalition
Building A Better Richmond