Foreclosures

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yael@sfbg.com

 

WEDNESDAY 4

Occupy the Dream

The SF Interfaith Allies of Occupy call for a rally to end racism, stop foreclosures, protect jobs, and hold corporations and financial institutions accountable. “At a time when Jews and Christians celebrate the ancient stories of liberation let us name the Caesars and Pharaohs of today,” say organizers of this latest event as part of Occupy the Dream. The event also commemorates the assassination of Martin Luther King, Jr on April 4, 1968.

11:30am, free

City Hall

1 Dr. Carlton B. Goodlett Place, SF

 

SATURDAY 7

Bill McKibben speaks

Bill McKibben is a leading figure in the fight against global warming. He started in 1989 with his book The End of Nature and went on to found 350.org, which has coordinated 15,000 rallies against climate change since 2009. He will speak about where to go next in the climate change crisis as well as discussing the current struggle against the Keystone XL pipeline.

10am, $15 in advance and $18 at the door

First Unitarian Universalist Church

1187 Franklin, SF

www.postcarbon.org/event/776185-progressive-perspectives-presents-bill-mckibben-in

 

SUNDAY 8

Birding by bike

The SF Bike Coalition hosts this tour of the birds of Lake Merced and Golden Gate Park. San Francisco could always have more bike routes, but the ones it does have provide an excellent pathway for this birding trip, in which participants don’t need to leave the city to observe both resident and migrating species. David and Annie Armstrong host birding by bike; David is an amateur ornithologist who has been birding and leading bike trips in San Francisco for 12 years. Bring your bike and binoculars.

8:45am, free

Vélo Rouge Café

798 Arguello, SF

www.sfbike.org/?chain#4876

 

TUESDAY 10

Remembering Bataan

On April 9, 1942, Filipino and American soldiers surrendered to Japanese forces after more than four months of holding their ground in the forest of Bataan, a large Philippine province; 15,000 then died en route to prisoner of war camps in what became known as the Bataan Death March. Students and faculty at Cal State University-East Bay will commemorate its 70th anniversary with a night of voices and perspectives from the battle. The event will feature a screening of the documentary Forgotten Soldiers, as well as speakers from the Philippine Scouts Heritage Society, Battling Bastards of Bataan, Bay Area Civilian Ex-Prisoners of War and the U.S. Armed Forces of the Far East, the the Philipine-American Student Alliance, who will present research on American film depictions of Filipino soldiers at the time and the stories of Bataan Death March survivors.

4pm, free

Cal State University- East Bay Theater

25800 Carlos Bee Blvd, Hayward

(510) 885-3000

 

“Your Money, and How Wells Fargo Gets Away With It”

To prepare for the April 24 Wells Fargo shareholders’ meeting in San Francisco, the International Forum on Globalization’s plutonomy program is sponsoring this teach-in and training. David Solnit from the Occupy SF direct action work group will be leading a workshop on nonviolent action, and people from across the social spectrum will be speaking on how irresponsible corporate banking has adversely affected their lives — from janitors to students, families to immigrant rights advocates. 

6pm-9pm, free

San Francisco State University

Humanities Building, Room 587

1600 Holloway, SF

www.moveon.org

Impertinent question: Will Mayor Lee take on the Bank of America for unethical behavior?

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Mayor Ed Lee moved with lightning speed to suspend Sheriff Ross Mirkarimi without pay on misconduct charges and unethical behavior  in a spousal abuse case and continue the costly, distracting, divisive  media and City Hall circus.

Meanwhile, the Bank of America, an institution called “Too Crooked to Fail” by Rolling Stone,  is responsible for 10 per cent of all foreclosures in San Francisco and the city keeps its lucrative multi-million dollar short term investment portfolio in the B of A.  Matt Taibbi, the Rolling Stone investigative reporter on the story, said in a lengthy interview  on the Democracy Now radio program Thursday morning that bailouts and fraud are the secrets to the B of A success. The B of A, he said,  has defrauded “everyone from investors and insurers to homeowners and the unemployed.”  He said “most people think of the mortgage crisis as some airy abstraction–you know, bankers ripping off bankers. That’s not what it is.  It’s bankers stealing from old ladies and retirees.”

Impertinent question: So will Lee apply his new found standard of ethics to the Bank of America? See the Democracy Now clip on the Taibbi interview for specifics on B of A behavior:

http://www.democracynow.org/2012/3/22/too_crooked_to_fail_matt_taibbi

Black Power, then and now

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“We’re not ever to be caught up in the intellectual masturbation of the question of Black Power. That’s a function of people who are advertisers that call themselves reporters.”

That’s how the radical student and civil rights leader Stokely Carmichael opened a speech about Black Power — a term he helped popularize — at UC Berkeley in 1966. But the ideas and concepts behind Black Power proved to be an enduring ones that are enjoying a resurgence today.

Angela Davis epitomized the Black Power movement to many observers. The author, scholar, and professor was a Black Panther Party member who then joined the Communist Party USA and brought a class analysis to issues of race, building on the movement that began in the ’60s for decades to come.

In recent months, as the Occupy Wall Street movement began to focus the country’s attention on economic and social inequities, Davis has spoken out regularly in support of the movement and drawn connections back to her early activism. She has embraced the “99 percent” paradigm, and the connections between various issues that Occupy activists have sought to highlight.

“Our demands for justice lead us toward demands for prison abolition. And our demands for prison abolition lead us to demands for free, quality education. And our demands for free quality healthcare, and housing, and an end to racism, an end to sexism, an end to homophobia,” Davis said March 1 in Oakland at a benefit for Occupy 4 Prisoners, a coalition of Occupy protesters and prison justice advocates.

Consciousness surrounding those connections can be largely attributed to efforts from Black Power organizers.

“When I listen to the way young people so easily talk about the connectedness of race, gender, and sexual issues, and I remember how we groped our way towards an understanding of those connections, it makes me really proud,” Davis said in a January interview with Independent Lens.

And as Davis said at the March 1 event: “One of the most exciting accomplishments of the Occupy movement has been to force us to engage in conversation, explicit conversation about capitalism, for the first time since the 1930s.”

The movement’s economic message also seemed useful to Kiilu Nyasha, a San Francisco-based journalist and former member of the New Haven Black Panther Party.

“Globalization has already happened. It’s not happening, it’s happened. One percent, internationally, owns and controls 80 percent of the world’s resources. People are dying all over the world of every complexion which you can think of” Nyahsa said March 14 at a panel discussion called Reboot the Rainbow.

The original Rainbow Coalition- the topic of the March 14 panel- included the Black Panther Party, the Puerto Rican Young Lords, and the poor white Young Patriots organization, and was committed to a Black Power concept: organize your own, fight together. Building coalition is more important now than ever.

“It’s not Black Power right now,” says Terry Collins, president of KPOO radio, a black-owned station long focused on community empowerment. “It’s people power. It’s power unto the people who are in need: all the people out there who are out of their homes, students who owe so much that they’re like indentured servants.”

Occupy the Hood is a national effort to encourage participation of people of color in Occupy Wall Street. In its mission statement the group writes, “It is imperative that the voice of people of color is heard at this moment!”

The focus of San Francisco’s Occupy the Hood chapter is “three-fold,” according to organizer Mesha Irizarry: “The cop-watching in neighborhoods that are criminalized, especially poor neighborhood of color. It’s freedom fighters against foreclosures. It’s also bank transfers.”

Occupy the Hood showed up March 16, when a group known as the Foreclosure Fighters- organized and supported Alliance of Californians for Community Empowerment, Homes Not Jails, and related groups—occupied their latest foreclosed home. “We’re liberating this house. We’re taking it out of the hands of the oppressor,” said Archbishop Franzo King of the African Orthodox Church.

“Jesus Christ was an uncompromising revolutionary. He spoke truth to power. Then they killed him for it,” added King in a nod to the radical religious leaders who have influenced liberation movements throughout the years.

Black Power was concerned with self-determination, with organizing within community. That legacy is still strong as San Francisco’s African American communities experience an out-migration and continuing police harassment and violence.

“Black sailors and black army personnel built the shipyard,” said Jameel Patterson, a founder of the Bayview-Hunters Point-based community organization Black Star Liner Incorporated. “Hunters Point, West Point, Harbor Road—they’re all military names. The soldiers stayed there with their families. The area has a rich African American legacy going back to the ’40s. Now it’s fading…we want to make sure that community’s still here 20 years from now.”

Patterson remembers being a child in the ’70s when, on the tail of an era brimming with black liberation efforts. “There were more community events,” he said, but now, “People don’t have connections with each other. That’s what we’re building.”

The group does regular events where they serve free home-cooked meals to residents, reminiscent of the Black Panther Party’s free breakfast program. “With every plate, you get information,” often Know Your Rights reminders for encounters with police, said Tracey Bell-Borden of Black Star Liner.

They have also spent countless hours in City Hall meetings advocating for their community and reporting back on city policies that affect it. “We occupy the Police Commission meeting,” said Bell-Borden.

Police are a central and tricky question for the Black Power movement of the ’60s, as well as organizing efforts today. Black Panther Party members spent years serving free breakfast to children, writing and selling newspapers, and even running election campaigns, but they are often remembered for carrying guns and efforts to “police the police.” So many leaders were arrested that energy that could have gone into feeding or education was often channeled into freeing prisoners.

“I was in the second chapter of the Black Panther Party,” Nyasha said at the March 14 event, “which basically existed to get the first chapter out of jail.”

Recent police crackdowns have fed indignation not just about policing protesters, but about the role police play in poor communities of color. “One thing Occupy has done is address the issue of policing in communities of color, to the extent that some aftermath of what we’re seeing at Occupy is shedding light on how police can sometimes treat people,” said Kimberley Thomas Rapp, executive director of the Lawyers’ Committee for Civil Rights of the Bay Area.

“In black neighborhoods, police should be community partners, not come in and exert more force than necessary. And at protests, they should be there to ensure safety, not just to arrest people unnecessarily or use excessive force,” Rapp said.

Police crackdowns on Occupy are the first exposure many white protesters of the younger generation have had to excessive police force, an issue that was central to the story of the Black Power. Sadly, for many black and other protesters of color, excessive police force is nothing new.

“It’s absolutely the case that police brutality shown towards many Occupy protesters has brought to the forefront the issue of police violence and led to an awakening among many white folks of the day to day reality of police violence that many people of color have lived with now for many years,” Michelle Alexander, author of The New Jim Crow, told the Guardian.

Enraged at police beatings (see “OPD spies on and beats protesters,” Feb. 14) both Occupy Oakland and Occupy San Francisco have held “fuck the police” marches. March 18, after a six-month commemoration celebration brought 3,000 to Zuccotti Park in New York City, followed by 200 arrests and rampant police violence, Occupy Wall Street protesters followed suit, holding their first anti-police brutality march.

Occupy Wall Street has reanimated concepts that burned through the ’60s, such as violence vs. nonviolence, the systemic causes of personal economic woes, and the peoples’ relationship to police. With the consciousness created by Black Power activists, today’s organizers have a foundation on which to build their own answers to these questions, across issues and generations.

National Occupy the Hood has called for action concerning Trayvon Martin, the unarmed black 17-year-old who was shot Feb. 26 and whose confessed killer has yet to be arrested. Taking up high-profile cases of injustice and working more closely with organizers to respond to the needs of local African American communities could bring more power and truth to the rage for justice currently galvanizing a new generation.

“It’s about black re-empowerment,” Archbishop King said. “It’s like the torch, the light of freedom and justice, has actually gone out. And we’re trying to relight that. That’s why I’m so excited about the Occupy movement; it ties into the Black Power struggle. And I think it’s waking up some of us old revolutionaries to stand up.”

Supervisors hope to halt foreclosures with new resolution

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John Avalos introduced a resolution today urging support for homeowners facing foreclosure in San Francisco. The resolution calls for several actions, including suspending all foreclosures until state and federal measures to protect homeowners are in place.

Sponsors of the resolution Avalos, David Chiu, Jane Kim, Eric Mar, and Christina Olague joined a coalition of community organizations to explain the resolution at a press conference.

The resolution would call for support of a statewide Homeowners Bill of Rights, a series of bills that would address predatory loans and robosigning, as well as California Attorney General Kamala Harris’s campaign for a statewide suspension on foreclosures in properties controled by Fannie Mae and Freddie Mac. It also “urges all city and county officials and departments to work proactively to ensure that San Francisco residents do not fall victim to unlawful foreclosure practices,” as Avalos explained.

Supervisors cited a report released in February by Assessor Phil Ting as one of the reasons for the resolution. The report found “irregularities” in 99 percent of foreclosure documents in San Francisco between 2009 and 2011, and “what appear to be one or more clear violations of the law” in 84 percent of cases. 

The resolution’s language also names “predatory banking practices that disproportionately targeted racial and ethnic minority communities, especially working class African Americans and Latinos” as an impetus for the resolution, noting that “from 2007 to 2008, Wells Fargo, and mortgage lenders it has since acquired, was 188 percent more likely to put African American borrowers and 117 percent more likely to put Latino borrowers into higher-cost, subprime loans.”

“What we see around foreclosures is that we have a systemic problem,” said Campos. Over 1,000 homes in San Francisco are currently in the process of foreclosure, 

Supervisor Kim connected the issue to another systemic problem affecting San Francisco, that has been a recent topic of discussion at City Hall: family flight. 

“We do have many low-income families that are actually homeowners in the city, primarily in the southeast sector. But how they afford to buy homes is by squeezing often two to three families in these homes in the southeast. So we’re talking about not just one household when we foreclose on a home, we’re often talking about two, three families with multiple youth and seniors,” said Kim.

“This is something that has been an important issue for many of our supervisors across the political spectrum, is how to retain families in San Francisco. Stopping foreclosure has to be a key part of that.” 

A few supervisors congratulated community organizers for focusing on the foreclosure crisis.

“I want to thank Occupy Bernal for not only shedding light on what’s happening in Bernal Heights, but realizing that the foreclosure crisis that we’re facing is something that involves all of us. Every single neighborhood,” said Campos.

The resolution was introduced to the Board of Supervisors March 20. It will be discussed further at the Land Use and Economic Development committee meeting April 2. 

If it eventually passes the Board of Supervisors, the resolution will be non-binding; a citywide foreclosure moratorium is likely not imminent. Yet many supporters expressed urgency and commitment for city action to address foreclosures. 

“When speaking with the sheriff about how we can stop evictions, what struck me most was he said that sometimes when we walk into these homes, we’ve found that people have committed suicide before the sheriffs even come in,” said Supervisor Kim. “This is a life and death issue for many of our residents.”

 

Lee and the foreclosure crisis

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EDITORIAL More than 1000 homes in San Francisco are either in foreclosure or at the start of the process. Some 16,000 homeowners are underwater, and as many as 12,000 may face foreclosure in the next 12 months. A report by the Alliance of Californians for Community Empowerment shows that the city could lose $115 million from the reduced property taxes and the costs of carrying out evictions.

That’s a crisis — and while the mayor has no direct control over home foreclosures, he ought to be speaking out and joining the protesters who are fighting this cascade of often-fraudulent bank actions.

The problems are legion: An audit released in February by Assessor Phil Ting shows that more than 80 percent of the foreclosure notices filed in San Francisco contain at least one legal irregularity, and many contain multiple. Banks back-date documents, use faulty information, and in some cases clearly and directly break the law when they move to seize property — often because of bad-faith loans that were more the fault of the banks than the homeowners.

A group from Occupy Bernal, the well-organized, sophisticated operation that’s been intervening in foreclosures and evictions in the Southeast neighborhoods, visited us recently, and the stories we heard were alarming. Some told of bankers who promised to make loan modifications — then went ahead with foreclosure anyway. Some people spend weeks just trying to figure out who actually owns the mortgage — and while the financial institutions are ducking calls and hiding from responsibility, they’re moving forward to toss people out of their homes.

ACCE and Occupy Bernal have had some successes — they slowed down foreclosure actions, forced banks to come to the table and in some cases saved homes. But the activists are up against big corporations and big numbers — too many homes on the block, too many financial institutions, and not enough people and money.

The Ting report showed enough violations of law that we’ve already urged the city attorney and the district attorney to start taking action.

But we’ve heard little beyond silence from the office of Mayor Ed Lee.

Lee’s the city’s chief executive, the person who has to handle the financial fallout of the foreclosure crisis as well as the human impacts — families evicted from their homes have a high chance of winding up on the streets, putting additional pressure on already-stressed social services.

Besides, this is a tragedy — and a lot of the problem is simply unaccountable, unreachable financial institutions. If Occupy Bernal and ACCE, through volunteer organizing and community pressure, can prevent a fair number of evictions, thing what the mayor of San Francisco could do — just by speaking out.

Lee ought to show up at some of the Occupy Bernal actions, but that may be too much to ask. But it’s not too much to suggest that he publicly support the foreclosure fighters and call on the banks to work with local homeowners.

The city keeps its multibillion-dollar short-term cash accounts in institutions like Bank of America, which is responsible for more than 10 percent of all foreclosures in the city. Wells Fargo, with its headquarters right here in town, is responsible for 22 percent of the local foreclosures. Lee ought to let the banks know the city won’t keep doing business with bad actors.

With a little visibility, the mayor could help save hundreds, maybe thousands of families from facing homelessness. This crisis calls for leadership; where’s the mayor?

Black Power and OWS

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OPINION Since its inception in September of 2011, The Occupy Wall Street movement has come to mean many things to many people. For some it’s a movement to end skyrocketing tuition at State Colleges and Universities. For others its a platform to stop and bring attention to unfair and illegal foreclosures. Still others see the Occupy as a movement that’s going to bring back unions and level the playing field for workers.

But one of the nagging critiques of OWS has been that it’s a movement for white middle-class youth who were late to the social justice arena — where many who are poorer and darker had been struggling for years. While economic disparities on the surface appear to be universal, the challenge has been recognizing how many who are white and part of the 99 percent have been used strategically by those in power as a sort of buffer to keep black and brown folks at an economic disadvantage. Many have brought into the narrative that underachievement by blacks is the result of individuals not applying themselves hard enough.

The economic downturn in the white communities is now viewed as systemic, with a call to arms and a move to confront the system. What’s been missed is that for decades folks in the hood have been challenging the system, trying to survive and barely holding on. Only now are you starting to see deeper discussions between OWS and black and brown community members about how this economic system has uniquely impacted them.

Because we’ve seen former black panthers and leaders within black liberation struggles like Angela Davis, Elaine Brown, Bobby Seal, Mumia and Dave Hilliard work with or show support address OWS, the question of how OWS relates to the Black Power Movement has emerged.

Like OWS, Black Power means many things to many people, from economic empowerment to political empowerment. If we go back to what Student Nonviolent Coordinating Committee leaders Stokley Carmichael (Kwame Toure) and Willie Ricks (Mukasa Dada) meant when they first coined the phrase in 1966, it was a call for solidarity and challenging racism and the systems giving it light..

Black Power leaders back then weren’t about trying to reform the system and its institutions, but dismantle it and rebuild. That approach, and the militancy that came along with it, caused a split in the Civil Rights Movement. It was break from Dr. King and the nonviolent approach by the so-called Big 5 civil rights organizations.

Today, many of the aforementioned leaders, along with others, have evolved in their definition and understanding of what it means when we say Black Power. Not to short change or misspeak for anyone (keep in mind entire courses are devoted to the topic), today we see that Black Power has expanded on its critique of capitalism. That, of course, has been echoed in many sectors of OWS. In fact, that’s what’s attracted many from the old guard to it.

Today we see many in the Black Power movements dealing with issues like the Prison Industrial Complex, the mass incarceration of black folks, and tactics like stop and frisk, gang injunctions, war on drugs etc. Any conversation about economic disparity inevitably leads back to discussions on the prison system in the black community.

While we hear within OWS calls to rebuild the system and harsh critiques of capitalism, we haven’t always seen an emphatic call to arms to deal with the PIC and issues related to police terror — even as OWS members are frequent victims themselves.

In places like Occupy Oakland, we see those bridges being built in meaningful ways. We’ve seen the forming of Occupy the Hood, which frequently addresses those issues — but talk to OTH organizers in various cities and they’ll tell you it’s still a struggle to get folks on board and make this an intuitive part of their day to day outlook.

The good news is we see conversations taking place and folks trying to work it out..

And while OWS deals with building bridges into communities of color, in our own ranks we have the challenge of class divisions. We have folks who are black, and have means, who won’t even give lip service to these issues.

But then again, mass movements even during the hey day of Dr. King always had those who spoke out, got in the way and took up space for real change. With spring coming, there’s a lot of hope that things will pick up.

Editorial: Mayor Lee: Ease off Mirkarimi and help stop the foreclosure crisis

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And so the downtown gang (Willie Brown/Rose Pak, PG&E, the Chamber, the big developers et al) used Ed Lee to outmaneuver the progressives and roll Lee into the job of “interim mayor” on condition Lee not run for mayor.  Then Lee kept lying for months about his intentions and saying over and over that he would not run for mayor–until the downtown gang convinced him to run as a way to further damage the progressives. And now, according to news reports, Mayor Lee is poised to file misconduct charges against Mirkarimi for his gulty plea of false imprisonment in the Mirkarimi domestic violence case.

This could lead to an explosive and polarizing scenario where the Board of Supervvisors, in an election year, would be asked to remove Mirkarimi, a former fellow supervisor and political ally, as sheriff or side with him on what has turned out to become a toxic political issue. This would affect at minimum Mar, Avalos, Campos, and Olague in the supervisors’ races and Mar, Avalos, and Campos in the upcoming Democratic County Central Committee race. It would also affect any candidate in any race that said a nice word about Mirkarimi.  If anybody thinks the mayor and the downtown gang would be unhappy with this prospect, think again. I recommend that Lee hold off on Mirkarimi, and work to uphold his position as a “unifier,” and not become a polarizer and promoter of media and City Hall circuses. Instead of taking on Mirkarimi and the progressives, he should concentrate on such important and timely issues as helping stop the foreclosure process on the thousands of homes facing foreclosure in San Francisco. More: he should go after the big foreclosure banks, starting with the Bank of America and its multi-million dollar short term cash account with the city, and  Wells Fargo, with its national headquarters here in town.b3

More than 1,000 homes in San Francisco are either in foreclosure or at the start of the process. Some 16,000 homeowners are underwater, and as many as 12,000 may face foreclosure in the next 12 months. A report by the Alliance of Californians for Community Empowerment shows that the city could lose $115 million from the reduced property taxes and the costs of carrying out evictions.

That’s a crisis — and while the mayor has no direct control over home foreclosures, he ought to be speaking out and joining the protesters who are fighting this cascade of often-fraudulent bank actions.

The problems are legion: An audit released in February by Assessor Phil Ting shows that more than 80 percent of the foreclosure notices filed in San Francisco contain at least one legal irregularity, and many contain multiple. Banks back-date documents, use faulty information, and in some cases clearly and directly break the law when they move to seize property — often because of bad-faith loans that were more the fault of the banks than the homeowners.

A group from Occupy Bernal, the well-organized, sophisticated operation that’s been intervening in foreclosures and evictions in the Southeast neighborhoods, visited us recently, and the stories we heard were alarming. Some told of bankers who promised to make loan modifications — then went ahead with foreclosure anyway. Some people spend weeks just trying to figure out who actually owns the mortgage — and while the financial institutions are ducking calls and hiding from responsibility, they’re moving forward to toss people out of their homes.

ACCE and Occupy Bernal have had some successes — they slowed down foreclosure actions, forced banks to come to the table and in some cases saved homes. But the activists are up against big corporations and big numbers — too many homes on the block, too many financial institutions, and not enough people and money.

The Ting report showed enough violations of law that we’ve already urged the city attorney and the district attorney to start taking action.

But we’ve heard little beyond silence from the office of Mayor Ed Lee.

Lee’s the city’s chief executive, the person who has to handle the financial fallout of the foreclosure crisis as well as the human impacts — families evicted from their homes have a high chance of winding up on the streets, putting additional pressure on already-stressed social services.

Besides, this is a tragedy — and a lot of the problem is simply unaccountable, unreachable financial institutions. If Occupy Bernal and ACCE, through volunteer organizing and community pressure, can prevent a fair number of evictions, think of what the mayor of San Francisco could do — just by speaking out.

Lee ought to show up at some of the Occupy Bernal actions, but that may be too much to ask. But it’s not too much to suggest that he publicly support the foreclosure fighters and call on the banks to work with local homeowners.

The city keeps its multibillion-dollar short-term cash accounts in institutions like Bank of America, which is responsible for more than 10 percent of all foreclosures in the city. Wells Fargo, with its headquarters right here in town, is responsible for 22 percent of the local foreclosures. Lee ought to let the banks know the city won’t keep doing business with bad actors.

With a little visibility, the mayor could help save hundreds, maybe thousands of families from facing homelessness. This crisis calls for leadership; where’s the mayor?

Alerts

0

yael@sfbg.com

WEDNESDAY 14

Protest Wells Fargo

Occupy Bernal is at it again, fighting for neighborhood residents facing foreclosure. Organizers surveyed foreclosures in their neighborhood and found that the bank that owned most of them was none other than Wells Fargo, a bank that happens to have a largely San Francisco-based Board of Trustees. They recently took their indignation to the home of Wells CEO John Stumpf (see “Save Our Homes,” 2/28/12.) Now, they’ll bring it to the offices of Dignity Health, where board member Lloyd H. Dean is CEO. 

Noon, free

185 Berry, SF

www.occupybernal.org

 

Rebooting the rainbow

Before the 99%, and before Jesse Jackson’s Rainbow PUSH Coalition, there was the original Rainbow Coalition: a 1960s partnership between the Puerto Rican Young Lords, the White Young Patriots Organization, and the Black Panther Party for Self Defense. These visionaries hoped to bring together people fighting to protect their communities towards a united goal of justice for all. In this talk, part of the Shaping San Francisco series, three activists from back in the day– Pam Tau Lee, Joe Navarro, and Kiilu Nyasha—will discuss that history. They’ll also speak to “what it’s going to take to keep the 99 percent together for the long haul.”

7:30 p.m., free

CounterPULSE

1310 Mission, SF

www.shapingsf.org

 

SATURDAY 17

Homes not jails benefit

This homeless advocacy organization is fiercely dedicated to making sure those who want it have a roof over the heads at night, and many San Franciscans won’t sleep in the cold tonight due to their efforts. Come celebrate their efforts at this benefit. There will be live music from local favorites Little Wolves, Shakes Gown, Molly and the Mad Science and LPD, not to mention new zines and Homes Not Jails t-shirts. 

7 p.m., donation suggested

Redstone Building

2940 16th St., SF

www.indybay.org

 

SUNDAY 18

Dream Memoirs of a Fabulist

It’s queer, surreal, and will probably blow your mind. This book hints of ghosts, photography, gender, and language. In a review, Janice Lee says the book includes, “the dizzying abyss of self-imposed identity, and the gravitational field of language itself, the pronouns textually speaking to one another, dragging memory from one space into another.” To truly understand it, head to Modern Times for a reading and talk with author Doug Rice and artist Stephanie Sauer. 

7 p.m., free

Modern Times Bookstore

1919 24th St., SF

www.mtbs.com/events

The mortage crimes

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EDITORIAL The mortgage crisis in San Francisco isn’t just devastating to homeowners and to the southeast neighborhoods where foreclosures are most common — it’s clear evidence that lenders and their affiliates are and have been acting illegally. This city ought to be taking the lead on pressing civil and criminal charges against the mortgage outfits.

City Assessor Phil Ting commissioned a report in February that showed that nearly every one of 382 foreclosures actions in the city between January 2009 and October 2011 had at least some irregularities. In more than 80 percent of the cases, the report identified direct violations of law.

It’s a stunning revelation: In nearly 100 percent of the cases studied, the mortgage companies did something wrong. Homeowners were not notified that they were in default. Properties were seized and sold by companies that didn’t have the proper title to them. Documents were backdated or signed by an entity that didn’t have the authority to sign. In some cases, it wasn’t clear who actually owned the mortgage, because the corporation that filed for foreclosure had never property taken title to the loan.

The report comes as Occupy protesters in San Francisco are moving aggressively to target banks that are tossing people out of their homes and at a time when county sheriffs in other parts of the country are refusing to execute foreclosure orders.

There may not be much San Francisco Sheriff Ross Mirkarimi can do — mortgage foreclosures in California can be done with almost no oversight and by the time the sheriff is called in there’s nothing left but an eviction. But the report makes clear that there were both violations of business regulations and crimes, in some cases felony crimes — and the San Francisco city attorney and district attorney should be moving as quickly as possible to take legal action.

Both City Attorney Dennis Herrera and District Attorney George Gascon have asked for more material from Ting’s office, although neither has announced a formal investigation. But every day that this goes on, more people lose their homes and more crimes are committed — and both offices should move as quickly as possible to take action.

There’s nothing in the federal settlement over fraudulent mortgage activity that prevents local officials from taking this sort of action. There’s nothing preventing Herrera from seeking an injunction against further foreclosures or preventing Gascon from indicting the lenders and their executives.

Meanwhile, Ting told us that he’s asking Attorney General Kamala Harris to investigate, because the pattern of violations almost certainly goes beyond San Francisco.

State Sen. Mark DeSaulnier has introduced a bill that would mandate transparency in foreclosures, so at least homeowners would know who to contact to seek a modification. That’s a good start. But holding these sleazy operators accountable would send a message that San Francisco isn’t going to let this sort of behavior continue.

Save our homes

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yael@sfbg.com


This story has been edited


Bay Area activists, fueled in part by the Occupy movement, have recently taken stands against police brutality, for the rights of the homeless, against the corporate power of banks, and much more. But, arguably, nowhere has the movement been more successful than in the fight against foreclosures and evictions.


With the support of Alliance of Californians for Community Empowerment (ACCE) and the Bayview Foreclosure Fighters, several Bayview residents whose homes had already been sold continue to occupy them, and in some cases sales have been rescinded. Occupy Bernal has used civil disobedience to postpone six housing auctions, keeping their neighbors in their homes that much longer. They secured a meeting with Diana Stauffer, Wells Fargo Home Mortgage senior vice president, and David Campos, District 9 supervisor, to delay foreclosure proceedings.


But the activists are pushing for a full moratorium on foreclosures and evictions in San Francisco. Such a moratorium is not without precedent. In recent years, sheriffs have stopped evictions and foreclosures in Wayne Country, Michigan; Cook County, Illinois; Butler County, Ohio; and Philadelphia County, Pennsylvania.


When Cook County Sheriff John Dart imposed his moratorium in 2010, he said, “I can’t possibly be expected to evict people from their homes when the banks themselves can’t say for sure everything was done properly. I need some kind of assurance that we aren’t evicting families based on fraudulent behavior by the banks.”


San Francisco seems ripe for a similar stance, as Assessor-Recorder Phil Ting recently released a report revealing widespread lawbreaking in foreclosure proceedings. The report found that 84 percent of foreclosures in San Francisco over the last three years involved faulty paperwork, some of it amounting to fraud.


Representatives from the District Attorney’s and the City Attorney’s offices told the Guardian that they are concerned about the report. These bodies may be starting the process of further investigating findings. Last week, Sheriff Ross Mirkarimi, whose office carries out the county’s evictions, said he has begun an initiative to collect and analyze the city’s foreclosure data.


But Mirkarimi’s hands may be tied. As he told Ann Garrison of KPFA radio Feb. 25, “I don’t have the latitude or discretion, much as I would like, because there would need to be a change in state law that empowers municipal sheriffs to be able to use that discretion.”


Occupy Bernal formed just a couple months ago, but it has emerged as a powerful advocate for homeowners facing foreclosure. The neighborhood-based branch of the Occupy movement chose to focus specifically on preventing the evictions of Bernal Heights residents, where over 100 homes face foreclosure.


They kept the pressure up Feb. 25, when a group of supporters convened at 1090 Chestnut Street, the residence of John Stumpf, the CEO of Wells Fargo. That bank owns the majority of mortgages on Bernal homes facing foreclosure.


The protest wasn’t meant to block the street and no one tried to enter the building where Stumpf owns three of the 14 floors. But police decided that the group of about 150 warranted blocking off the entire block to traffic, to the annoyance of many neighbors.


“You collected $43.7 billion in taxpayer money and have since made record profits at the expense of low-income communities, while repeatedly breaking your legal and moral obligations as a creditor. You have failed to comply with loan modification requirements under your own lending agreements,” said a blown-up “foreclosure notice” outside Stumpf’s home.


In the spirited street theater scene, activists dressed as an auctioneer and a larger-than-life John Stumpf played out a fake auction of Stumpf’s property.


Dexter Cato, a father of four whose wife was recently killed in a car crash in the midst of months-long loan modification proceedings, faces foreclosure from his Bayview home of 40 years.


“Stumpf, we want a new address for you,” said Archbishop Franzo King of the Western Additions’ John Coltrane church, “850 Bryant Street!”


The crowd then proceeded to chant this address: the San Francisco Hall of Jusice and County Jail.


“We understand that some of our customers are going through difficult times during this economic recovery,” said Jim Foley, president of Wells Fargo’s Greater Bay Area region, in a press release responding to the Feb. 25 protest. The company plans to hold “Home Preservation Workshops” in Richmond March 7 and 8 to help homeowners facing foreclosure.


Public officials may be a long way from locking up CEOs for foreclosure fraud, but some have taken notice of complaints against the banks. On Feb. 2, the Berkeley City Council voted not to extend its contract with Wells Fargo to manage $300 million in city assets, citing its foreclosures on city residents.


On a national level, activists have been successful in persuading people to transfer their money to local banks and credit unions in recent months. Javelin Strategy and Research came out with statistics that 5.6 million Americans have switched bank service providers in the past 90 days, three times the normal transfer rate. Bank Transfer Day in early October was specifically cited as the trigger by 610,000 of those people.


The recent $25 billion settlement between the five largest banks and attorneys general in California and other states over mortgage fraud made big headlines, but activists note that it allocates a measly $2,000 to some people who have lost their homes to foreclosure. Occupy Bernal’s Buck Bagot said people need more protection from powerful banks. “Banks suckered people into this stuff, and they have made billions,” Bagot said. “We’re not saying people shouldn’t have to pay off the money they borrowed, but it took two to tango.”

Guardian editorial: SF should go after mortgage criminals

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EDITORIAL The mortgage crisis in San Francisco isn’t just devastating to homeowners and to the southeast neighborhoods where foreclosures are most common — it’s clear evidence that lenders and their affiliates are and have been acting illegally. This city ought to be taking the lead on pressing civil and criminal charges against the mortgage outfits.

City Assessor Phil Ting commissioned a report in February that showed that nearly every one of 382 foreclosures actions in the city between January 2009 and October 2011 had at least some irregularities. In more than 80 percent of the cases, the report identified direct violations of law.

It’s a stunning revelation: In nearly 100 percent of the cases studied, the mortgage companies did something wrong. Homeowners were not notified that they were in default. Properties were seized and sold by companies that didn’t have the proper title to them. Documents were backdated or signed by an entity that didn’t have the authority to sign. In some cases, it wasn’t clear who actually owned the mortgage, because the corporation that filed for foreclosure had never property taken title to the loan.

The report comes as Occupy protesters in San Francisco are moving aggressively to target banks that are tossing people out of their homes and at a time when county sheriffs in other parts of the country are refusing to execute foreclosure orders.

There may not be much San Francisco Sheriff Ross Mirkarimi can do — mortgage foreclosures in California can be done with almost no oversight and by the time the sheriff is called in there’s nothing left but an eviction. But the report makes clear that there were both violations of business regulations and crimes, in some cases felony crimes — and the San Francisco city attorney and district attorney should be moving as quickly as possible to take legal action.

Both City Attorney Dennis Herrera and District Attorney George Gascon have asked for more material from Ting’s office, although neither has announced a formal investigation. But every day that this goes on, more people lose their homes and more crimes are committed — and both offices should move as quickly as possible to take action.

There’s nothing in the federal settlement over fraudulent mortgage activity that prevents local officials from taking this sort of action. There’s nothing preventing Herrera from seeking an injunction against further foreclosures or preventing Gascon from indicting the lenders and their executives.

Meanwhile, Ting told us that he’s asking Attorney General Kamala Harris to investigate, because the pattern of violations almost certainly goes beyond San Francisco.

State Sen. Mark DeSaulnier has introduced a bill that would mandate transparency in foreclosures, so at least homeowners would know who to contact to seek a modification. That’s a good start. But holding these sleazy operators accountable would send a message that San Francisco isn’t going to let this sort of behavior continue.

After Pressure from Occupy Bernal, Wells Fargo execs fly across country to meet with Bernal Heights man

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People facing eviction and foreclosure often report hardly being given the time of day by banks and lenders. But yesterday, three top Wells Fargo executives flew to San Francisco to meet with Alberto Del Rio, a Bernal Heights resident facing foreclosure.

Del Rio’s parents purchased their home in 1973. The home was refinanced multiple times, he says “for a better life” for his family. The most recent refinance, in 2007, was a result of lenders convincing Del Rio’s mother that refinancing would be an easy to pay for some of her retirement. 

“It sounded really great because my mother had no monies for retirement. The loan officers told her pull out some cash and reinvest it so she could have a better retirement. They told her, ‘after two years, you’ll be able to refinance out of this,’” said Del Rio.

The loan she got was a pick-a-pay loan, one of the most notoriously predatory loans that banks offered in the years leading up to the 2008 crash.

After continued requests from Bernal resident Alberto Del Rio and support from that neighborhood’s foreclosure-focused branch of the Occupy movement, Del Rio was finally given the time of day- by top executives in the Wells Fargo home preservation department.

The executives, including Sharon Zuniga and Shawn Woods, who flew in from Wells Fargo’s headquarters in Texas, met with Del Rio Feb. 22 at the San Francisco offices of Consumer Credit Counseling Services for about an hour and a half.

Del Rio says they gave him three options: to move out of his home and convert it into rental units, allow a short sale on the house and accept $3,000 to move, or let foreclosure proceedings continue as planned.

“They flew a guy here all the way from Houston to try to bully him into giving up,” said Buck Bagot, an organizer with Occupy Bernal.

But the fact that they took the time to do that was a result of continued pressure from Del Rio and his supporters.

“It was a good thing,” said Del Rio.

“But it also felt like they were trying to pressure us into doing something they wanted us to do rather than what we wanted to do.”

Del Rio says he’s grateful to Occupy Bernal for supporting him thus far. And when the Wells Fargo executives pled with him to give up his home, he refused.

“I’ve made up my mind. I told them, if I’m going to lose the house I’m going to lose the house to a fight, to what I want.”

His perseverance worked to a degree; the bankers agreed to give Del Rio 90 days to “increase his income,” and then, potentially, work towards loan modification. Del Rio, an independent contractor, thinks its possible.

Meanwhile, Occupy Bernal will continue to struggle others who, often, are ignored by banks when they express their need for loan modification.

“Looking at everybody that I’ve been meeting that’s going through foreclosure and eviction, every single person is either a person of a minority group, a senior citizen, disabled, or someone else that would be easily influenced when approached with a better life, a better financial life. It can be seen in all their faces,” Del Rio told me.

Occupy Bernal has help postpone and prevent dozens of evictions, including that of Monica Kenney yesterday morning. They are planning a forum tonight on foreclosures to be held at the Bernal Heights Neighborhood Center.

Why do evictions continue despite widespread banking fraud?

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Do you think a groundbreaking report – showing that 84 percent of foreclosures in San Francisco over the last three years involved faulty paperwork, some of it amounting to fraud – would finally mean swift justice for victims of those crimes?

Think again.

According to Assessor-Recorder Phil Ting, whose office produced the astonishing report, government action is certainly appropriate in the follow-up to the report. “There are potential legal action on behalf of the attorney general and potential policy solutions at the state level,” said Ting.

But these solutions will likely take their long, bureaucratic time. And in the meantime, San Francisco homeowners — many of whom say that they were lied to, tricked, or defrauded by the lenders or beneficiaries of their mortgage loans — will continue to be kicked out of their homes with no legal oversight.

People have been claiming these injustices for years. Now, the report has proven that the vast majority of them are probably right.

“Until now, public information in California regarding improper foreclosure practices has been largely anecdotal. This report is important because it is the first to provide a rigorous, quantifiable analysis of the nature and frequency of foreclosure irregularities in California,” said Lou Pizante of Aequitas, a mortgage investigation firm that partnered with the Assessor-Recorder’s office to produce the report, in a press release.

The report focuses on six areas: assignments, notice of default, substitution of trustee, notice of trustee sale, suspicious activities indicative of potential fraud, and conflicts relating to MERS (short for Mortgage Electronic Registration Systems, Inc.).

In 99 percent of loans, the report identifies “one of more irregularities.” In 84 percent, there were “what appear to be one or more clear violations of the law.”
These violations include forging signatures, failing to file proper paperwork, failing to notify borrowers of things that they are legally required to know such as changes in the owners of their mortgages and notices that they have been put on track for foreclosure. And lots of felony fraud. 

Yet Ting told us it will be difficult to use these findings to hold banks and other lenders accountable, at least any time soon.
The report is likely the beginning of a lengthy process that will, at best, involve investigations from several city and state departments.
Matt Dorsey, press secretary for the city attorney’s office, confirmed that “we’re working with our client department the Assessor-Recorder,” but couldn’t say much else.

District Attorney George Gascon released a statement addressing the report, which says that “Mortgage-related fraud is a top priority in my office will prosecute those who pray on vulnerable homeowners. Many people have lost their homes due to foreclosures, tearing apart families and communities.”

But according to Assistant District Attorney Omid Talai, the DA’s office cannot begin looking into the cases until it receives documents from the Assessor-Recorder detailing the allegations in the report.

Talai emphasized that “our door remains open, and we would always welcome anyone with any kind of information”; homeowners with documents that they believe contain proof of invalid foreclosure proceedings can go to the DA themselves.

But will the release of the report help these homeowners?
 
When asked if people who believe they were a victim of these “irregularities” and “felony crimes” could use the report to challenge their lenders, Ting replied, “they could potentially.”

But, “the alternate question would be asked, which is: were they actually making payments on their homes? If they weren’t, they would have a very hard time challenging their foreclosure.”

Yet, anecdotally, lenders often tell consumers that they need to stop making loan payments in order to qualify for loan modification. They then get put on the fast track for foreclosure. Ting said his office heard these anecdotes too.

“Unfortunately, oftentimes when that happens, it’s done verbally. We also heard that. But it becomes almost impossible to prove,” Ting told me.

So banks can lie to consumers, thus potentially immunizing themselves from prosecution based on crimes committed against consumers. Then to top it all off, when folks get evicted and become homeless, they can be ticketed or jailed for sitting on the sidewalk. Thanks, justice system.

Hopefully, this report can act as an important step in the right direction.

“I’m proud of the fact that this is the first report of its kind, in the state, really identifying these issues on a systematic basis,” said Ting.

At least now the thousands of San Francisco residents that have lost their homes can point to evidence proving that this is a more complicated problem than people borrowing money that they can’t afford to pay back.

As the report states, “Reckless borrowing notwithstanding, much publicly available evidence suggests that there are indeed many legitimate victims of abusive lending and service practices.”

These people didn’t need the report to tell them that they were “legitimate victims.” But let’s hope that, with its help, they can see some justice.

Alerts

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WEDNESDAY, FEB. 22

 

Police graft

This event, part of the Shaping SF Public Talk series, will focus on the 1937 Atherton Report that blew the lid off San Francisco police corruption in that era. Speakers Hank Chapot and Chris Agee will address their research, on the report and on SF policing and crime in the 1950s, respectively.

7:30pm, free

CounterPULSE

1310 Mission, SF

www.counterpulse.org/?tribe_events=shaping-sf-public-talk-police-graft-in-san-francisco/

THURSDAY, FEB. 23

Eviction community forum

A panel discussion and chance to access resources for those affected by and interested in the epidemic of foreclosures and evictions in our neighborhoods. Hear from community organizers, foreclosure lawyers, and affected homeowners and tenants. This is organized by Occupy Bernal and will feature Spanish translation and childcare.

7pm, free

Bernal Heights Community Center

515 Cortland, SF

415-821-7617

 

Garden for the environment

Enjoy live music, food from Haight Street Market, a raffle, and a celebration of urban permaculture at the fundraiser. The Haight Ashbury Neighborhood Center celebrates the achievements of Garden for the Environment, a group that maintains a one-acre garden in the Sunset demonstrating the educational, environmental and food-security possibilities of permaculture.

6pm, $5

111 Minna, SF

www.hanc-sf.org/urban-farming-fundraiser-and-party.html

FRIDAY, FEB. 24

 

History of porn

Join author Sam Benjamin and golden age porn star Richard Pacheco for a lively presentation chronicling how porn emerged in its present form by looking back over past decades. The presentation will use non-explicit clips but promises to be funny and informative. Benjamin is the author of American Gangbang: A Love Story.

8pm, $10-30 suggested donation

Center for Sex and Culture

1349 Mission, SF

www.sexandculture.org/

SATURDAY, FEB. 25

Foreclose on Wells Fargo CEO

A demonstration, complete with street theater and education, as activists attempt to foreclose on and evict Wells Fargo CEO John Stumpf. According to Occupy Bernal, this fun community event will feature “street theater to foreclose, auction home, and evict the CEO, music, Pride at Work dance mob, and special surprise bidders.”

1pm, free

1090 Chestnut, SF

www.occupybernal.org/wordpress

 

Deep Green Resistance

Have you ever felt that to continue to live on the planet, people must actively dismantle industrial systems which are destroying the earth, perhaps by any means necessary? If so, you should hear author Aric McBay speak about his book Deep Green Resistance: Strategy to Save the Planet. In the book, also by Derrick Jensen and Lierre Keith, the authors discuss the philosophies, tactics and implications of this brand of radical environmental activism.

7:30pm, free

Unite HERE Local 2

209 Golden Gate, SF

www.occupysf.org/calendar-2/

Who gets to live here?

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yael@sfbg.com

Housing policy — which determines who will be able to live in San Francisco — has been a hot topic at City Hall these days.

At a Board of Supervisors Land Use and Economic Development Committee meeting on Feb. 13, representatives from the Mayors Office of Housing (MOH) reported on the state of middle-income housing in San Francisco, at the request of Sup. Scott Wiener. “Middle class” people make up 28 percent of the city’s population, a 10 percent decrease in the past two decades, and to reverse that decline would cost about $4.3 billion in housing subsidies, or more than half the city’s annual budget.

Wiener, who insists that “middle income and low income housing are not mutually exclusive,” said he’s raising the issue because the needs of the shrinking middle class are not being addressed. But during the public comment period, a long procession of low-income residents say city housing policies have kept them on the brink of homelessness. The takeaway message was: don’t embark on new housing efforts until you can enforce the ones that are already in place.

Also underscoring the desperate state of many San Francisco residents, Assessor-Recorder Phil Ting released a report Feb. 16 that contains shocking statistics about invalid foreclosures and illegal evictions in San Francisco. Ting found that 99 percent of all foreclosure proceedings in San Francisco in the past four years have contained paperwork irregularities, and in 84 percent of cases, banks or lenders have committed fraud or broke other laws.

With the loss of the redevelopment agencies, Mayor Ed Lee’s proposal for a housing trust fund, renewed calls for more condo conversions, and a new focus on middle income housing incentives, the conversation on housing in San Francisco is heating up.

 

MOVING TOWARDS RENTAL

San Francisco’s housing market is 64 percent rentals and 36 percent ownership, according to MOH. So despite the focus of politicians and developers on homeownership, housing policy in San Francisco mostly involves renters, many of whom face myriad threats.

Rents can be so steep that market-rate rental housing is becoming increasingly accessible only for parts of the middle class and the highest income brackets in the city. People in San Francisco tend to pay a huge chunk of their income towards rent.

The federal Housing and Urban Development Agency considers it reasonable for a households to pay 30 percent of their income towards rent; but for the city’s very low income households, rent is typically nearly 60 percent of income. For middle income households, the average percent paid toward rent has increased since 1990, but remains below 30 percent.

Those people fall mainly into the middle-income bracket, those earning 80-120 percent of Area Median Income (AMI.) Planning Director John Rahaim said that for the very low-income population (0-50 percent AMI) all rental housing is “virtually off-limits.”

So, for the middle class, renting a place in San Francisco is tough. For the low and very-low income, it’s next to impossible. And that reality threatens the city’s diversity.

“The highest rent burden still falls on lower income residents, many of whom pay 70 percent of their income as rent,” Sup. Eric Mar, who also sits on the Land Use Committee, said at the hearing. “In my district, people have whole families living in their living room or extra bedroom.”

But things may be looking up for renters. MOH’ Brian Cheu said developers believe that the market trends are heading towards construction of new rental housing after being almost exclusively owner-occupied units for many years. Cheu said there are 725 rental units in the pipeline for the next five to ten years, more than twice the new housing units meant for ownership slated for that time period.

Most of this will be market rate housing, and thus still unaffordable for a good deal of the population. But for those making around 100 percent of AMI — the middle class that Wiener hopes to serve — there are more rental units on the way.

“Any increase in supply of rental housing would help,” said San Francisco Tenants Rights head Ted Gullickson, “because there’s been virtually no new rental housing built in San Francisco is last 20 years.”

Even as Wiener promised to continue to prioritize the needs low-income residents, the foreclosure crisis was barely acknowledged at the Feb. 13 hearing. Many low-income residents say they are not sure they can trust the city’s claim that “this is not a matter of us vs. them.”

At public comment, many community members spoke of the housing troubles that they were already facing. Yue Hua Yu, who spoke at the Feb. 13 hearing, lives with her family of four in a single residency occupancy hotel room (SRO), units intended for single occupants.

“We would support a policy that protects the city’s affordable housing stock,” said a statement from Wing Hoo Leumg, president of the Chinatown Community Tenants Association.

Renting may be the realistic choice for most San Franciscans, but homeownership remains an important goal and achievement for many families, and the main obsession of many politicians.

Part of the middle class exodus is unmistakably due to better homeownership rates in Oakland, Daly City, Marin, and other surrounding areas. But there are neighborhoods with higher rates of homeownership than others, including Bayview-Hunters Point.

BHP has long been a prime spot for low-income homeowners, but it’s slated for extensive new housing construction in the coming decades that could compromise its affordability. It is also an area hit hard by the foreclosure crisis: there have been 2,000 foreclosures in Bayview in the past four years, according to Ed Donaldson, housing counseling director at the San Francisco Housing Development Corporation.

Rising prices and the foreclosure crisis have played a large part in the large-scale African American out-migration that has devastated San Francisco communities in recent decades.

 

 

APARTMENTS OR CONDOS?

One of the biggest points of controversy in the homeownership debate has been the issue of condo conversion, which was brought up again this past week at the Feb. 14 Board of Supervisors meeting, when Sup. Mark Farrell asked Lee if he would support legislation to let 2400 tenancy-in-common (TIC) owners bypass legal limits and fastrack towards condo conversion.

Farrell framed this as “a vehicle to allow residents of our city to realize their goal of homeownership.”

On Jan. 16, the city held its annual condo conversion lottery, in which 200 lucky TIC owners win the chance to convert their units into condos, thereby legally becoming homeowners. TICs and condo conversion have long been fraught with controversy in San Francisco, where there is never enough housing for everyone who wants it.

Condo conversion proponents say that turning a TIC — usually a building that used to be rental housing that has been purchased by a group of people that own it in common — into condos is a cheap way to become a homeowner in a city as expensive as San Francisco.

But tenants rights advocates have long opposed this process on the basis that it depletes the city of its rental housing stock. “When you have more condo conversions, you have more evictions, and it’s harmful to low-income residents” Gullicksen said.

This controversy, and the struggle to maintain a balance between opportunities for homeownership and reasonable rents has raged in San Francisco for years. In 1982, the Board of Supervisors passed a limit of 200 condo conversions per year as a compromise. There are no regulations, however, on converting rental housing to TICs.

“This has come up almost every single year for years and years about this time,” said Peter Cohen, organizer with the Council of Community Housing Organizations.

This year, however, proponents are not simply reiterating a request to bypass the condo conversion lottery. Plan C, a coalition of San Francisco moderates, is pushing for adding a fee to condo conversion, ranging from $10,000 to $25,000, which would go towards an affordable housing fund.

Mayor Lee said that he is open to considering a change in condo conversion policy, “providing it balances our need for revenue for affordable housing, the value that responsible homeownership brings to the city, and the rights of tenants who could be affected by a change in policy.”

 

WHOSE TRUST FUND?

This comes at a time when the city is facing a loss of millions per year for affordable housing with the dissolution of the redevelopment agency (see “Transfer of power, Jan. 31).

That dissolution led to Mayor Lee’s plan for an affordable housing trust fund, to be voted on as a ballot measure this November. The kick-off for that plan also began recently, with a press conference and big-tent meeting to discuss what it might look like.

On the day after the Land Use Committee meeting, where he started the conversation on “middle class” housing, Wiener posed a question to Lee at a Board of Supervisors meeting, asking how the mayor plans to “ensure that the housing trust fund that comes out of the process you have convened will meaningfully address the need for moderate/middle income housing.”

Some are concerned that too much of the trust fund could be allocated outside low-income demographics. “There’s a limited size pie of resources,” Cohen said. “Just in a matter of the last months, we lost the redevelopment agency. The city is madly scrambling to try to replace that through housing trust fund, and working to get us back to somewhere close to where we were…Is that pie, that has dramatically shrunk, going to be stretched further for another income band?”

That question will be important when the proposal goes to vote in November. According to Donaldson, many low-income homeowners will not vote for the measure unless it addresses their needs. The specifics of the measure calling for the trust fund are still being worked out. But, it will likely be funded by an increase of the transfer tax paid when homes change ownership.

Yet that proposal was the subject of an unusual political broadside from the San Francisco Association of Realtors, which last week sent out election-style mailers attacking the idea. “Brace yourself for an unexpected visit from the city’s tax collector,” the mailer warns, showing the hand of government bursting through the wall of a home, urging people to contact Lee’s office.

The measure may also see opposition from low-income communities, especially if, as Wiener has urged in the past week, it allocates a chunk of funds towards middle-income housing.

“It’s hard to find people who will support it. They’re saying, ‘what’s in it for me? Why would I vote for a transfer tax that I’m going to have to pay to help finance the building of affordable housing or middle-income housing. Why support programs that will support middle income people, who make more money than existing homewoners?” explained Donaldson. To agree on a way forward for housing in San Francisco, policymakers will need to reconcile a range of interests. In the worst-case scenario, the profit interests of realtors and developers will overtake the interests of San Francisco families struggling to continue to live in the city they love. But housing advocates are willing to work together to come to a solution. “Let’s put everything on the table, and let’s figure it out. In the spirit of cooperation, and with the understanding that each respective constituent group is not going to get everything that they want, but let’s put all the cards of the table,” said Donaldson.

Valentine’s Day dump the banks rally: If only all break-ups involved this much singing (VIDEO)

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Protesters across the country participated in “break up with your bank” day on Feb. 14. Several protesters happened throughout the Bay Area, including a demonstration organized by Causa Justa :: Just Cause, Occupy Bernal, Occupy SF Housing, and the San Francisco Tenants Union.

In past months those organizations have variously stopped evictions and foreclosures, prevented homes from being auctioned off, and organized mass protests. They’ve created trouble shutting down bank branches, sometimes for hours, on dozens of occasions.

For Valentine’s Day, protesters decided to have a little fun.

“Our intention is not to shut down the banks,” insisted Causa Justa organizer Maria Zamudio. “Just to break up with them.”

About 60 marched through the financial district Feb. 14, presenting large red broken hearts and “dump the banks” banners decorated with pink balloons.

http://www.youtube.com/watch?v=6-f6pHXQkbs

Security guards at the banks that the group approached locked their doors. Protesters, amused, began chanting “the banks shut themselves down.”

Bank of America building locked their doors when they saw the protest approaching. At the Wells Fargo west coast headquarters around the corner, a representative who identified himself as David accepted the card.

Afterwards, a dozen members of the group headed to City Hall for a Board of Supervisors meeting in support of a resolution brought by Supervisor John Avalos and co-sponsored by Supervisor Eric Mar. The resolution supports the city treasurer’s office in its recent efforts to include social responsibility and community reinvestment in its evaluation criteria as it searches for new banks in which to invest San Francisco’s money. The resolution passed.

“It’s not a victory, but a great step in the right direction,” said Zamudio. She hopes that the social responsibility assessment will look at a bank’s history with predatory loans, investment in small businesses, and refinancing mortgages.

“Occupy Wall Street West” hopes to see massive protest

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A coalition from across San Francisco is hoping to make tomorrow – Friday, Jan. 20 – a monumental day in the history of Bay Area activism, the Occupy movement, and the fight against home foreclosures and other manifestations of corporate greed.Organizers call the day of protests, marches, street theater, pickets, and more “Occupy Wall Street West.”

Those that urged Occupy protesters to focus in on a list of demands should be pleased, as the day includes a list of demands on banks, including a moratorium on foreclosures and an end to predatory and speculative loans.


Organizers note that Occupy SF Housing, the coalition that planned the day, is separate from OccupySF. In fact, a subset of the group known best for its months-long tent city at Justin Herman Plaza was only one part of a substantial coalition that planned this day of action. Among others, the coalition includes the SF Housing Rights Committee, Homes Not Jails, Alliance of Californians for Community Empowerment (ACCE), and Occupy Bernal, a neighborhood-focused Occupy group specifically aimed at preventing evictions and foreclosures.

Justin Herman Plaza – or Bradley Manning Plaza, as many in OccupySF like to refer to the park just across from the Ferry Building – will be a crucial meeting point. A press spokesperson said that “down at Bradley Manning Plaza at 6 a.m.,12 p.m., and 5 p.m., we’re going to be launching various segments of the protests, and there will be information desks and education all for those who are interested.”

Organizers hope to culminate the day with a mass march at 5 p.m. A map of the planned actions can also be found here.

Many of the groups in the coalition have focused on specific cases of homeowners and tenants facing eviction and foreclosure; tomorrow, they bring their power to the Financial District.

Vivian Richardson, a member of the coalition who has also worked with ACCE and the newer Foreclosure Fighters group in Bayview, says that she remains in her home after being threatened with foreclosure due to community support.

“On my own, I tried everything to get out of this bad loan… I fought for two years on my own, only to have my home foreclosed on and taken away,” Richardson said at a press conference held yesterday.

“With the help of my community, unions, and ACCE members throughout the state, we generated over 1,400 emails and a few hundred calls to the CEO of [lender] Aurora Bank, and within one hour they called me to reopen my case,” she said. “As of today, the bank has voided the sale of my home and rescinded the foreclosure.”

Groups hoping to prevent foreclosures have had many success stories like Richardson’s. But tomorrow, they will put pressure on large corporate banks.

As SF Housing Rights Committee Executive Director Sarah Shortt said at the rally, “What we’re trying to do here is draw connections between some of those issues and the banking industry… I think that’s one of the most important pieces of the Occupy movement: starting to educate ourselves and each other about how ubiquitous the toll that’s been taken on cities, neighborhoods, communities by banking industry and the one percent.”

The focus is on housing, but in typical Occupy fashion, protesters will draw connections between all kinds of concerns that they see as abuses by banks and corporations.

According to OccupySF member Lisa Guide, the day is about “war profiteering, unjust foreclosures and evictions for profits by the big banks, exploitation of labor and union workers, and liberation of the commons for public good, among many other [issues].”

Guide also mentioned that Jan. 20 is “the eve of the Citizens United Supreme Court case, the court case that gave corporations the power to buy our government.” Simultaneous actions are planned to protest Citizens United, including an Occupy the Courts action at the Ninth District Court of Appeals at noon, to coincide with a national call to “Occupy the Courts

More than 55 organizations are involved in the day of action, and their focuses go beyond housing rights. These include students from Occupy SF State, Occupy Modesto Junior College, and other campus Occupy groups; anti-war organizations such as Iraq Veterans Against the War; environmental organizations such as the Rainforest Action Network; several unions, including UNITE HERE Local 2 and the California Nurses Association; the Chinese Progressive Alliance; and the Interfaith Allies of Occupy, which will be hosting an all-day “respite area” at Saint Patrick’s Roman Catholic Church at 756 Mission.

The array of events planned for Friday is overwhelming. There are demonstrations, pickets, and occupations planned at dozens of banks and corporations throughout the Financial District. Street theater is planned in several places, including an adaptation of A Christmas Carol by the San Francisco Mime Troupe at Justin Herman Plaza at noon and a show from Iraq Veterans Against the War that, according to IVAW member Jason Matherne, a Navy veteran who served in Qatar, “is called Operation First Casualty, because the first casualty of war is the truth.”

Matherne said, “corporations are profiting off the war at the expense of the 99 percent. Specifically, the Bechtel Corporation is using–misusing–billions of dollars to rebuild the infrastructure in Iraq.”

Tomorrow should be big. In a press release, organizers claim that “this is predicted to be the largest street protest of the Financial District since anti-war protests in 2003.”

Whatever the turnout, the Saint Patrick’s “respite” should be a boon, as weather reports indicate rain for tomorrow. Luckily, as Vicki Gray, a Deacon in the Episcopal Diocese of California, Occupy supporter and Interfaith Organizer, said of the sanctuary: “All are welcome. It will be warm, it will be quiet, and you will be loved.”

Alerts

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yael@sfbg.com

 

FRIDAY, JAN 20

Occupy Wall Street West

OccupySF revs back up for a day of nonviolent mass action to connect their protest against Wall Street banks and corporations to foreclosures, evictions, and homelessness here in San Francisco. The day will include teach-ins, marches, rallies, and “many ways to participate without risking arrest!”

Mobilizations at 6 a.m., noon, and 5 p.m., free

101 Market, SF

www.occupywallstwest.org/wordpress

 

SATURDAY 21

Chalk screening

A screening of the landmark Bay Area grassroots/indie film Chalk, which tells the story of competition, family, justice, and a game of pool. The film is a product of the Tenderloin Action Group, which creates “responsive cinema, generated out of the streets from pain and sacrifice, made from sweat, tears, and anguish.” Join producers Ethan Sing and Rand Crook for this screening.

2 p.m., free

Koret Auditorium, San Francisco Public Library main branch

100 Larkin, SF

www.sfpl.org

ggood@sfpl.org

 

 

Rally for Reproductive Justice

This annual rally for a woman’s right to choose started to counter-protest the pro-life Walk for Life march. This year, a rally will be held with speakers Sen. Mark Leno, Sup. David Chiu, and representatives from Slutwalk, Radical Women, and CA NOW. Also featuring a DIY art/activist tent and balloon artists and face paint for kids. Organized by Bay Area Coalition for our Reproductive Rights (BACORR.)

11 a.m., free

Justin Herman Plaza

Embarcadero and Market, SF

www.bacorr.org

 

SUNDAY 22

Remember Harding

The Kenneth Harding Jr. Foundation, in commemoration of the 19-year-old who was killed by San Francisco Police officers on July 16, calls for a protest to demand justice. Harding was unarmed when he exited the T train and was asked by police to show his transfer.

Instead, he ran away and police shot and killed him. Organizers plan to surround Candlestick Park during the NFC championship game to “raise awareness that police in the Bay View/Hunters Point community are killing our kids, violating our rights, and trying to silence us.”

Noon, free

Candlestick Park

602 Jamestown Ave, SF

www.poormagazine.org/node/4238 

Occupy Nation

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news@sfbg.com

The Occupy movement that spread across the country last fall has already changed the national discussion: It’s brought attention to the serious, systemic problem of gross inequities of wealth and power and the mass hardships that have resulted from that imbalance.

Occupy put a new paradigm in the political debate — the 1 percent is exploiting the 99 percent — and it’s tapping the energy and imagination of a new generation of activists.

When Adbusters magazine first proposed the idea of occupying Wall Street last summer, kicking off on Sept. 17, it called for a focus on how money was corrupting the political system. “Democracy not Corporatocracy,” the magazine declared — but that focus quickly broadened to encompass related issues ranging from foreclosures and the housing crisis to self-dealing financiers and industrialists who take ever more profits but provide fewer jobs to the ways that poor and disenfranchised people suffer disproportionately in this economic system.

It was a primal scream, sounded most strongly by young people who decided it was time to fight for their future. The participants have used the prompt to create a movement that drew from all walks of life: recent college graduates and the homeless, labor leaders and anarchists, communities of colors and old hippies, returning soldiers and business people. They’re voicing a wide variety of concerns and issues, but they share a common interest in empowering the average person, challenging the status quo, and demanding economic justice.

We chronicled and actively supported the Occupy movement from its early days through its repeated expulsions from public plazas by police, particularly in San Francisco, Oakland, and Berkeley. We supported the right of the protesters to remain — even as we understood they couldn’t and shouldn’t simply stay forever. Occupy needed to evolve if it was to hold the public’s interest. The movement would ultimately morph into something else.

That time has come. This spring, Occupy is poised to return as a mass movement — and there’s no shortage of energy or ideas about what comes next. Countless activists have proposed occupying foreclosed homes, shutting down ports and blocking business in bank lobbies. Those all have merit. But if the movement is going to challenge the hegemony of the 1 percent, it will involve moving onto a larger stage and coming together around bold ideas — like a national convention in Washington, D.C. to write new rules for the nation’s political and economic systems.

Imagine thousands of Occupy activists spending the spring drafting Constitutional amendments — for example, to end corporate personhood and repeal the Citizens United decision that gave corporations unlimited ability to influence elections — and a broader platform for deep and lasting change in the United States.

Imagine a broad-based discussion — in meetings and on the web — to develop a platform for economic justice, a set of ideas that could range from self-sustaining community economics to profound changes in the way America is governed.

Imagine thousands of activists crossing the country in caravans, occupying public space in cities along the way, and winding up with a convention in Washington, D.C.

Imagine organizing a week of activities — not just political meetings but parties and cultural events — to make Occupy the center of the nation’s attention and an inspiring example for an international audience.

Imagine ending with a massive mobilization that brings hundreds of thousands of people to the nation’s capitol — and into the movement.

Occupy activists are already having discussions about some of these concepts (see sidebar). Thousands of activists are already converging on D.C. right now for the Occupy Congress, one of many projects that the movement can build on.

 

DEFINING MOMENTS

Mass social movements of the 20th Century often had defining moments — the S.F. General Strike of 1934; the Bonus Army’s occupation of Washington D.C.; the Freedom Rides, bus boycotts and Rev. Martin Luther King Jr.’s March on Washington; Earth Day 1970; the Vietnam War teach-ins and moratoriums. None of those movements were politically monolithic; all of them had internal conflicts over tactics and strategies.

But they came together in ways that made a political statement, created long-term organizing efforts, and led to significant reforms. Occupy can do the same — and more. At a time of historic inequities in wealth and power, when the rich and the right wing are stealing the future of generations of Americans, the potential for real change is enormous.

If something’s going to happen this spring and summer, the planning should get under way now.

A convention could begin in late June, in Washington D.C. — with the goal of ratifying on the Fourth of July a platform document that presents the movement’s positions, principles, and demands. Occupy groups from around the country would endorse the idea in their General Assemblies, according to procedures that they have already established and refined through the fall, and make it their own.

This winter and spring, activists would develop and hone the various proposals that would be considered at the convention and the procedures for adopting them. They could develop regional working groups or use online tools to broadly crowd-source solutions, like the people of Iceland did last year when they wrote a new constitution for that country. They would build support for ideas to meet the convention’s high-bar for its platform, probably the 90 percent threshold that many Occupy groups have adopted for taking action.

Whatever form that document takes, the exercise would unite the movement around a specific, achievable goal and give it something that it has lacked so far: an agenda and set of demands on the existing system — and a set of alternative approaches to politics.

While it might contain a multitude of issues and solutions to the complicated problems we face, it would represent the simple premise our nation was founded on: the people’s right to create a government of their choosing.

There’s already an Occupy group planning a convention in Philadelphia that weekend, and there’s a lot of symbolic value to the day. After all, on another July 4th long ago, a group of people met in Philly to draft a document called the Declaration of Independence that said, among other things, that “governments … deriv[e] their just powers from the consent of the governed … [and] whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness.”

 

ON THE ROAD

If the date is right and the organizing effort is effective, there’s no reason that Occupy couldn’t get close to a million people into the nation’s capital for an economic justice march and rally.

That, combined with teach-ins, events and days of action across the country, could kick off a new stage of a movement that has the greatest potential in a generation or more to change the direction of American politics.

Creating a platform for constitutional and political reform is perhaps even more important than the final product. In other words, the journey is even more important than the destination — and when we say journey, we mean that literally.

Occupy groups from around the country could travel together in zig-zagging paths to the Capitol, stopping and rallying in — indeed, Occupying! — every major city in the country along the way.

It could begin a week or more before the conference, along the coasts and the northern and southern borders: San Francisco and Savannah, Los Angeles and New York City, Seattle and Miami, Chicago and El Paso, Billings and New Orleans — Portland, Oregon and Portland, Maine.

At each stop, participants would gather in that city’s central plaza or another significant area with their tents and supplies, stage a rally and general assembly, and peacefully occupy for a night. Then they would break camp in the morning, travel to the next city, and do it all over again.

Along the way, the movement would attract international media attention and new participants. The caravans could also begin the work of writing the convention platform, dividing the many tasks up into regional working groups that could work on solutions and new structures in the encampments or on the road.

At each stop, the caravan would assert the right to assemble for the night at the place of its choosing, without seeking permits or submitting to any higher authorities. And at the end of that journey, the various caravans could converge on the National Mall in Washington D.C., set up a massive tent city with infrastructure needed to maintain it for a week or so, and assert the right to stay there until the job was done.

The final document would probably need to be hammered out in a convention hall with delegates from each of the participating cities, and those delegates could confer with their constituencies according to whatever procedures they prescribe. This and many of the details — from how to respond to police crackdowns to consulting of experts to the specific scope and procedures of this democratic exercise — would need to be developed over the spring.

But the Occupy movement has already started this conversation and developed the mechanisms for self-governance. It may be messy and contentious and probably even seem doomed at times, but that’s always the case with grassroots organizations that lack top-down structures.

Proposals will range from the eminently reasonable (asking Congress to end corporate personhood) to the seemingly crazy (rewriting the entire U.S. Constitution). But an Occupy platform will have value no matter what it says. We’re not fond of quoting Milton Friedman, the late right-wing economist, but he had a remarkable statement about the value of bold ideas:

“It is worth discussing radical changes, not in the expectation that they will be adopted promptly, but for two other reasons. One is to construct an ideal goal, so that incremental changes can be judged by whether they move the institutional structure toward or away from that ideal. The other reason is very different. It is so that if a crisis requiring or facilitating radical change does arrive, alternatives will be available that have been carefully developed and fully explored.”

After the delegates in the convention hall have approved the document, they could present it to the larger encampment — and use it as the basis for a massive rally on the final day. Then the occupiers can go back home — where the real work will begin.

Because Occupy will wind up spawning dozens, hundreds of local and national organizations — small and large, working on urban issues and state issues and national and international issues.

 

WASHINGTON’S BEEN OCCUPIED BEFORE

The history of social movements in this country offers some important lessons for Occupy.

The notion of direct action — of in-your-face demonstrations designed to force injustice onto the national stage, sometimes involving occupying public space — has long been a part of protest politics in this country. In fact, in the depth of the Great Depression, more than 40,000 former soldiers occupied a marsh on the edge of Washington D.C., created a self-sustaining campground, and demanded that bonus money promised at the end of World War I be paid out immediately.

The so-called Bonus Army attracted tremendous national attention before General Douglas Macarthur, assisted by Major George Patton and Major Dwight Eisenhower, used active-duty troops to roust the occupiers.

The Freedom Rides of the early 1960s showed the spirit of independence and democratic direct action. Raymond Arsenault, a professor at the University of South Florida, brilliantly outlines the story of the early civil rights actions in a 2007 Oxford University Press book (Freedom Rides: 1961 and the Struggle for Racial Justice) that became a national phenomenon when Oprah Winfrey devoted a show and a substantial online exhibition to it.

Arsenault notes that the rides were not popular with what was then the mainstream of the civil rights movement — no less a leader than Thurgood Marshall thought the idea of a mixed group of black and white people riding buses together through the deep south was dangerous and could lead to a political backlash. The riders were denounced as “agitators” and initially were isolated.

The first freedom ride, in May, 1961, left Washington D.C. but never reached its destination of New Orleans; the bus was surrounded by angry mobs in Birmingham, Alabama, and the drivers refused to continue.

But soon other rides rose up spontaneously, and in the end there were more than 60, with 430 riders. Writes Arsenault:

“Deliberately provoking a crisis of authority, the Riders challenged Federal officials to enforce the law and uphold the constitutional right to travel without being subjected to degrading and humiliating racial restrictions … None of the obstacles placed in their path—not widespread censure, not political and financial pressure, not arrest and imprisonment, not even the threat of death—seemed to weaken their commitment to nonviolent struggle. On the contrary, the hardships and suffering imposed upon them appeared to stiffen their resolve.”

The Occupy movement has already shown similar resolve — and the police batons, tear gas, pepper spray, and rubber bullets have only given the movement more energy and determination.

David S. Meyer, a professor at U.C. Irvine and an expert on the history of political movements, notes that the civil rights movement went in different directions after the freedom rides and the March on Washington. Some wanted to continue direct action; some wanted to continue the fight in the court system and push Congress to adopt civil rights laws; some thought the best tactic was to work to elect African Americans to local, state and federal office.

Actually, all of those things were necessary — and Occupy will need to work on a multitude of levels, too, and with a diversity of tactics.

Single-day events have had an impact, too. Earth Day, 1970, was probably the largest single demonstration of the era — in part because it was so decentralized. A national organization designed events in some cities — but hundreds of other environmentalists took the opportunity to do their own actions, some involving disrupting the operations of polluters. The outcome wasn’t a national platform but the birth of dozens of new organizations, some of which are still around today.

There’s an unavoidable dilemma here for this wonderfully anarchic movement: The larger it gets, the more it develops the ability to demand and win reforms, the more it will need structure and organization. And the more that happens, the further Occupy will move from its original leaderless experiment in true grassroots democracy.

But these are the problems a movement wants to have — dealing with growth and expanding influence is a lot more pleasant than realizing (as a lot of traditional progressive political groups have) that you aren’t getting anywhere.

All of the discussions around the next step for Occupy are taking place in the context of a presidential election that will also likely change the makeup of Congress. That’s an opportunity — and a challenge. As Meyer notes, “social movements often dissipate in election years, when money and energy goes into electoral campaigns.” At the same time, Occupy has already influenced the national debate — and that can continue through the election season, even if (as is likely) neither of the major party candidates is talking seriously about economic justice.

That’s why a formal platform could be so useful — candidates from President Obama to members or Congress can be presented with the proposals, and judged on their response.

Some of the Occupy groups are talking about creating a third political party — a daunting task, but certainly worth discussion.

But the important thing is to let this genie out of the bottle, to move Occupy into the next level of politics, to use a convention, rally, and national event to reassert the power of the people to control our political and economic institutions — and to change or abolish them as we see fit.

OCCUPY AMERICA IS ALREADY UNDERWAY

All across the country, Occupy organizers are developing and implementing creative ways to connect and come together, many of which we drew from for our proposal. We hope all of these people will build on each other’s ideas, work together, and harness their power.

From invading the halls of Congress to “occutripping” road trips to ballot initiatives, here is a list of groups already working on ways to Occupy America:

 

OCCUPY CONGRESS

Occupy Congress is an effort to bring people from around the country — and, in many cases, from around the world — to Washington DC on Jan. 17. The idea is to “bring the message of Occupy to the doorstep of the capital.” The day’s planned events include a “multi-occupation general assembly,” as well as teach-ins, idea sharing, open mics, and a protest in front of the Capitol building.

A huge network of transportation sharing was formed around Occupy Congress, with a busy Ridebuzz ridesharing online bulletin board, and several Occupy camps organizing buses all around the country, as well as in Montreal and Quebec.

There are still two Occupy tent cities in DC, the Occupy DC encampment at McPherson Square and an occupation called Freedom Plaza, just blocks from the White House. Both will be accepting hundreds of new occupiers for the event, although a poster on the Occupy Congress website warns that “the McPherson Square Park Service will be enforcing a 500 person limit.”

www.occupyyourcongress.info

 

OCCUPY BUS

The Occupy Bus service was set up for Occupy Congress, but organizers say if the idea works out, it can grow and repeat for other national Occupy calls to action. They have set up buses leaving from 60 cities in 28 U.S. states as well as Canada’s Quebec province. The buses are free to those who can’t afford to pay, and for those who pay, all profits will be donated to Occupy DC camps.

If all goes to plan, buses will be packed with passengers, their gear, and bigger donations for the event, as the “undercarriages of a bus are voluminous.” What gear do they expect each occupier to bring? “One large bag, one small bag, and a tent.”

congress.occupybus.com

 

DENVER OCCUTRIP

Many occupations have put together car and busloads of people to road trip to other occupations, hoping to learn, teach, network, and connect the movement across geographic barriers. One example is the Denver Occutrip, in which a handful of protesters toured West Coast occupations. The tenacious Occupy Denver recently made headlines when, rather than allow police to easily dismantle their encampment, a couple of occupiers set the camp on fire. It sent delegates to Occupations in Las Vegas, Los Angeles, Long Beach, Oakland, San Francisco, Berkeley, and Sacramento.

Sean Valdez, one of the participants, said the trip was important to “get the full story. What I’d been told by the media was that Occupy Oakland was pretty much dead, but we got there and saw there are still tons of dedicated, organized people working on it. It was important to see it with our own eyes, and gave a lot of hope for Occupy.”

Like lots of road-tripping Occupiers, they made it to Oakland for the Dec. 12 West Coast Port Shutdown action there. In fact, “occutrippers” from all around the country have flocked to Bay Area occupations in general, and especially the uniquely radical Occupy Oakland.

www.occupydenver.org/denver-occutrip-road-trip/

 

OCCUPY THE CONSTITUTION

An Occupy Wall Street offshoot — Constitution Working Group, Occupy the Constitution — argues that many of the Occupy movements concerns stem from violations of the constitution. They hope to address this with several petitions on issues such as corporate bailouts, war powers, public education, and the Federal Reserve bank. The group hopes to get signatures from 3-5 percent of the United States population before the list of petitions is “formally served to the appropriate elected officials.”

www.givemeliberty.org/occupy

 

THE 99% DECLARATION

This is a super-patriotic take on the Occupy movement, described on its website as an “effort run solely by the energy of volunteers who care about our great country and want to bring it back to its GLORY.” The group’s detailed plan includes holding nationwide elections on the weekend of March 30 to choose two delegates from “each of the 435 congressional districts plus Washington, D.C. and the U.S. Territories.”

These delegates would write up lists of grievances with the help of their Occupy constituents, then convene on July 4, 2012 in Philadelphia for a National General Assembly. They plan to present a unified list of grievances to Congress, the President, and the Supreme Court. If the grievances are not addressed, they would “reconvene to organize a new grassroots campaign for political candidates who publicly pledge to redress the grievances. These candidates will seek election for all open Congressional seats in the mid-term election of 2014 and in the elections of 2016 and 2018.”

www.the-99-declaration.org/

 

MOVE TO AMEND/OCCUPY THE COURTS

Move to Amend is a coalition focusing on one of the Occupy movement’s main concerns: corporate personhood. The group hopes to overturn the Citizens United vs. Federal Elections Commission ruling and “amend our Constitution to firmly establish that money is not speech, and that human beings, not corporations, are persons entitled to constitutional rights.”

The group has drafted a petition, signed so far by more than 150,000 people, and established chapters across the country. Its next big step is a national day of action called Occupy the Courts on Jan. 20. On the anniversary of the Citizens United ruling, the group plans to “Occupy the US Supreme Court” and hold solidarity occupations in federal courts around the country.

www.movetoamend.org/

 

THE OCCUPY CARAVAN

The Occupy Caravan idea originated at Occupy Wall Street, but the group has been coordinating with occupations across the country. If all goes according to plan, a caravan of RVs, cars, and buses will leave Los Angeles in April and take a trip through the South to 16 different Occupations before ending up in Washington DC.

Buddy, one of the organizers, tells us that the group already has “a commitment right now of 10 to 11 RVs, scores of vehicles, and a bio-diesel green machine bus. This caravan will visit cities, encircle city halls, and visit the local Occupy groups to assert their presence, and move on to the next, not stopping for long in each destination.”

This caravan is all about the journey, calling itself a “civil rights vacation with friends and family” and planning to gather “more RVs, more cars, more supporters…and more LOVE” along the way.

occupycaravan.webs.com

OCCUPY WALL STREET WEST

The Occupy movement in San Francisco has been relatively quiet for the past few weeks, but it’s planning to reemerge with a bang on Jan. 20, with an all-day, multi-event rally and march that aims to shut down the Financial District.

The protest is an effort to bring attention to banks’ complicity in the housing crisis plaguing the United States, and how that process manifests itself here in San Francisco.

At least 20 events are planned, centered in the Financial District. The plans range from teach-ins at banks to “occupy the Civic Center playground” for kids to a planned building takeover where hundreds are expected to risk arrest. A list of planned events can be found at www.occupywallstwest.org/wordpress/?page_id=74.

The day is presented by the Occupy SF Housing Coalition, which includes 10 housing rights and homeless advocacy groups. Dozens of other organizations will be involved in demonstrations throughout the day. “We’re asking the banks to start doing the right thing,” said Gene Doherty, a media spokesperson for the Occupy SF Housing Coalition. “No more foreclosures and evictions for profits. On the 20th, we will bring this message to the headquarters of those banks.”

 

 

Protesters climb on Wells Fargo roof to protest evictions

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Activists held a massive banner and pitched a tent on the roof of the Wells Fargo branch at 16th and Mission Jan 14, while 150 supporters watched from the parking lot. Seven were arrested.

Organizers say the demonstration was meant to draw attention to the bank’s complicity in unfair foreclosures and evictions.

The protest was planned by a coalition of Bay Area housing rights and homelessness advocacy groups, along with organizers from Occupy San Francisco.

Sarah Shortt, Executive Director of the San Francisco Housing Rights Committee, says that abuses by corporate banks are inextricably linked to issues that her group has been working on for years; “evictions, displacement, affordable housing, and tenants rights.”

After rallying at 16th and Mission, protesters looked up to see that six had climbed to the roof. They unfurled a banner reading “Banks: No Foreclosures/Evictions for Profit!”

A fire truck arrived ten minutes later, and put up a ladder to give the police and firefighters access to the roof.

The Police Department cooperated with protesters, assisting a negotiation with the bank branch’s manager. A letter detailing their demands, including a moratorium on foreclosures and an end to predatory and speculative loans, was apparently faxed to Wells Fargo spokeswoman Holly Rockwood.

Protesters said that they would not leave the roof until they had a meeting scheduled with Wells Fargo CEO John Stumpf. Six were arrested.
According to an SFPD statement, “A bank employee signed a private person’s arrest (citizens arrest) for trespassing.”

After those arrested were painstakingly shuttled down the ladder and into a police van, protesters blocked the van from leaving Hoff street between 16th and 17th for about ten minutes until it sped out through the parking lot. Protesters then marched to the nearby Mission Police Station, where a drummer from the Brass Liberation Orchestra, which often accompanies protest events in the city, was arrested for allegedly assaulting a police officer with her drum.

Those arrested on the roof were cited for trespassing and released within hours. Supporters have put up money to release the drummer, known as Montana; bail was set at $8,100.

While the drama on the roof unfolded, Shortt, along with organizers from Causa Justa: Just Cause and the San Francisco Tenants Union, spoke about abuses committed against tenants and homeowners. They also spoke about Wells Fargo’s investment in private prisons. 

In a press release, organizers said that the protest was meant to call attention to “predatory equity scams, Ellis Act evictions, and immoral home loans.”

The Ellis Act allows landlords to evict tenants for any reason, if they don’t re-rent the units at a higher price in the next five years. The act hasno restrictions on selling the units as tenancies in common — a backdoor way to create condos — and that’s a lucrative and common practice in the Mission.

Ellis Act evictions increased by 8% in 2011, According to the San Francisco Rent Board Annual Report.

Jose Morales, a tenant who was evicted based on the Ellis Act and activist with the San Francisco Tenants Union, spoke to the crowd Saturday. Said Morales, “I have osteoporosis, I’m 82 and a half years old, but you still see me walking around with my sign.”

He displayed protest signs declaring that housing is a human right and urging single-payer health care.

Mesha Irizarry also told her story to the protesters. Her Bayview home was sold to Bank of New York, then transferred to Bank of America on September 1, but says that she refuses to leave and is fighting the foreclosure.

“We do not play the blame-the-victim game. We are not alone. We are not ashamed to sat ay what has happened to us. We are fighting back, and we are going to win” said Irizarry, who named several other women who are resisting foreclosures in Bayview. 

Irizarry began a San Francisco chapter of Occupy the Hood, a group dedicated to confronting problems that disproportionately affect the poor and people of color within the Occupy Movement. In San Francisco, the branch has focused mainly on defending homes from foreclosure and eviction. Saturday’s protest was part of that effort.

This demonstration was also a part of a series targeting banks, that protesters plan to top off with a day-long “occupation of the financial district” January 20th.

Said Occupy SF Housing Coalition media spokesman Gene Doherty, “The banks and the development companies that have gotten us all into (the foreclosure crisis) are a major part of the problem…it is their ethical duty, moral duty right now to be fixing this. And if that means it’s going to eat into their profit, that means it eats into their profit.”

 

Guardian editorial: And now we recommend a national Occupy Day

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EDITORIAL In less than three months, the Occupy movement has changed the national political debate — and possibly the course of U.S. history. A small group of protesters, derided in the mainstream media, grew to a massive outpouring of anger at economic inequality. It’s no coincidence that politicans at all levels have begun to respond. At least five different measures aimed at raising taxes on the rich are in the works in California. In Kansas Dec. 6, President Obama made one of the most progressive speeches of his career, talking directly about the need for economic justice.

While even some supposed allies say the encampments weren’t effective, the truth is that the out-front, in-your-face tactic of holding nonstop protests in the financial heart of places like Manhattan and San Francisco got attention. The visibility of the Occupy camps forced everyone to pay attention. The U.S. economy is in a crisis; less disruptive tactics wouldn’t have worked. But now most of the emcampments are gone, broken up by police forces and scattered from the central areas of major cities. It’s crucial that this growing and powerful national movement not fall apart after the almost inevitable crackdown on one style of protest. Occupy needs to look forward and plan its next steps.

Some of that is already happening, with Occupy activists targeting home foreclosures and marching on West Coast ports. But it’s worth considering another tactic, too: Occupy ought to begin planning now for a massive spring mobilization in Washington and a series of nationwide actions that could bring millions more people into the movement.

Part of the strategy of the Occupy camps was to maintain a presence, day after day — and that made perfect sense when the movement was starting. But single-day events, if organized on a massive scale as part of a larger campaign, can have a profound and lasting impact.

The original Earth Day — April 22, 1970 — involved 20 million people across the United States. There were events in hundreds of cities and thousands of high school and college campuses. It brought together old-school, sometime stodgy conservation groups with radical young environmentalists, the United Auto Workers with people concerned about pollution from car exhaust. It was, by any reasonable account, the birth of the modern American environmental movement.

The other great thing about Earth Day — and the reason it makes a great model for the Occupy movement — is that it was largely a grassroots event. Although there was a national office, most of the work was done spontaneously, in local communities, with no top-down direction.

And everyone — from Washington D.C. to the state capitols and city halls — paid attention.

Mass marches and mobilizations helped end the Vietnam War, spark the Civil Rights Movement and fight the anti-labor politics of the Reagan Administration. None of those events took place in isolation, any more than a national Occupy Day would take place in isolation. The nation’s ready for major economic change — and organizing a national event alone could help make stronger connnections among the broad constituency that is the 99 percent.

 

 

Occupy’s next steps

6

EDITORIAL In less than three months, the Occupy movement has changed the national political debate — and possibly the course of U.S. history. A small group of protesters, derided in the mainstream media, grew to a massive outpouring of anger at economic inequality — and it’s no coincidence that politicians at all levels have begun to respond. At least five different measures aimed at raising taxes on the rich are in the works in California. In Kansas Dec. 6, President Obama made one of the most progressive speeches of his career, talking directly about the need for economic justice.

While even some supposed allies say the encampments weren’t effective, the truth is that the out-front, in-your-face tactic of holding nonstop protests in the financial heart of places like Manhattan and San Francisco got attention. The visibility of the Occupy camps forced everyone to pay attention. The U.S. economy is in a crisis; less disruptive tactics wouldn’t have worked. But now most of the encampments are gone, broken up by police forces and scattered from the central areas of major cities. It’s crucial that this growing and powerful national movement not fall apart after the almost inevitable crackdown on one style of protest. Occupy needs to look forward and plan its next steps.

Some of that is already happening, with Occupy activists targeting home foreclosures and marching on West Coast ports. But it’s worth considering another tactic, too: Occupy ought to begin planning now for a massive spring mobilization in Washington and a series of nationwide actions that could bring millions more people into the movement.

Part of the strategy of the Occupy camps was to maintain a presence, day after day — and that made perfect sense when the movement was starting. But single-day events, if organized on a massive scale as part of a larger campaign, can have a profound and lasting impact.

The original Earth Day — April 22, 1970 — involved 20 million people across the United States. There were events in hundreds of cities and thousands of high school and college campuses. It brought together old-school, sometime stodgy conservation groups with radical young environmentalists, the United Auto Workers with people concerned about pollution from car exhaust. It was, by any reasonable account, the birth of the modern American environmental movement.

The other great thing about Earth Day — and the reason it makes a great model for the Occupy movement — is that it was largely a grassroots event. Although there was a national office, most of the work was done spontaneously, in local communities, with no top-down direction.

And everyone — from Washington D.C. to the state capitols and city halls — paid attention.

Mass marches and mobilizations helped end the Vietnam War, spark the Civil Rights Movement and fight the anti-labor politics of the Reagan Administration. None of those events took place in isolation, any more than a national Occupy Day would take place in isolation. The nation’s ready for major economic change — and organizing a national event alone could help make stronger connections among the broad constituency that is the 99 percent.

Occupy movement targets foreclosed homes

14

Throughout the Bay Area on Tuesday (Dec. 6), Occupy activists and housing advocates launched what they said will be an ongoing effort to place families back into their foreclosed homes, seizing bank-owned homes to put pressure on the banking industry to cooperate with homeowners in loan trouble.

In San Francisco, San Jose, and Oakland, activists highlighted the nation’s foreclosure crisis by occupying foreclosed homes as part of the Occupy movement’s national day of action against foreclosures. Occupy Oakland activists said the tents are gone in downtown Oakland, but the move toward house occupations represents a new phase for the movement.

“I am here fighting for my home,” said Margarita Ramirez, addressing a crowd of 150 supporters at the West Oakland BART station. Ramirez said her family fell behind on their mortgage payments after her husband was laid off at the onset of the recession. The Ramirez family applied for a loan modification under the federally subsidized Home Affordable Modification Program(HAMP) hoping for some relief, but their lender, Bank of America, denied their request. Though HAMP is a federal program, it is administered though individual mortgage lenders.

According to Ramirez, with time left before her foreclosure, Bank of America urged them to explore other options to save their home. Then, inexplicably, Bank of America sold her home to Fannie Mae, leaving her family out of options despite what Ramirez says is Bank of America’s later admission to the error and willingness to work with the family. Fannie Mae however has held firm that the sale was valid, leaving the Ramirez family in an uncomfortable comprise of renting their own home.

In order to pressure Fannie Mae on behalf of the Ramirez family, activists with Occupy Oakland and Just Cause seized a vacant Fannie Mae owned foreclosure at 1417 Tenth street in West Oakland.

“This house is owned by the federal government, who we pay taxes to,” said Occupy Oakland activist Thaddeus Guidry, who said that he had struggled hard to get by during the recession. As he stood over a grill cooking hotdogs for the crowd gathered in the yard of the newly occupied house, he said he had found new inspiration and hope after becoming part of Occupy Oakland.

“Tonight will be the first night here in the house,” said Guidry. “This is my home now. We hope to house eight people here.”

Fannie Mae, which was effectively foreclosed on by the U.S. Treasury in 2008 under a process know as conservatorship, has received $169 billion in federal bailout money and remains under federal control.

The house on Tenth street is modest but spacious, with electricity and water. Downstairs, Just Cause is getting ready to start an eviction defense clinic. Just Cause organizer Maria Zamudio told the Bay Guardian that the group holds regular eviction defense clinics in San Francisco and Oakland, but the freshly occupied house in West Oakland would serve as a community space that people can drop into to learn their rights.

“We have been doing eviction defense for a long time. Since the recession, we have seen a change to tenants being pressured to leave by banks after landlords lose a house to foreclosure,” said Zamudio. “It is important for tenants to know that they do not need to leave a foreclosed property. The tenant has more rights in these situations then the homeowner.”

Only blocks away, Gayla Newsome stood in front of her house at 1536 Adeline St with another crowd of supporters from Occupy Oakland, and housing advocates from the Alliance of Californians for Community Empowerment(ACCE). She has been out of the house for six months after the foreclosure, leaving her and her children to stay with family in an overcrowded situation as the house sat vacant.

“This is the moment I take my house back. I’m a little scared, a little nervous, but I have to do this for my kids and grandkids. I have to do this for the other people who are going through this,” said Newsome.

Newsome said Chase Bank repeatedly denied receiving her HAMP loan modification paperwork. When she finally sent a copy by certified mail, they acknowledged the application and denied her eligibility in the program.

The eviction came swiftly. Unaware of the looming eviction, and believing she still had time to save her house even though Chase was outside the HAMP program, Newsome was called by her children while at work the morning of July 19.

“The kids were given 10 minutes to grab what they could before they were put on the sidewalk in their pajamas by the bank representative and the sheriff. They called me frantic,” recalled Newsome.

The recession has been hard on West Oakland. One out of 236 houses in West Oakland are in foreclosure, with many more families hard-pressed to hang on. Housing advocates say that foreclosures destabilize entire neighborhoods, as surrounding property values plummet and blight spreads.

“I’m not just here personally to reclaim my house, I’m here to say it is time to reclaim this neighborhood,” said Newsome, who laid the blame for the neighborhood’s sharp decline at the feet of the banks.

Residents of the neighborhood gathered for the rally shared stories of realtors cruising the neighborhood stopping to photograph even properties that are not in foreclosure or for sale.

“This was not an accident, this is redlining,” said Nell Myhand of Just Cause about West Oakland’s housing troubles.

“It’s time to take this to the politicians,” said ACCE organizer Shirley Burnell. “If they are not willing to help us, then they got to go. We will take them to the streets.”

Outside, activists signed up for shifts to help defend Newsome’s home from eviction, and started an emergency phone tree in case of trouble.

“The tents are gone but we are still here!” yelled an Occupy activist from the crowd as home defense clipboards circulated.

“I appreciate everyone doing this with me,” said Newsome. “That’s what Occupy is all about. We will take our homes back one at a time – no, five at a time.”

Homes for the 99 percent

0

news@sfbg.com

Pressed by foreclosures, evictions, and an economic crisis with the gnawing tenacity of an early winter flu, San Franciscans protested in neighborhoods throughout the city on Saturday, Dec. 3. Marches from four of the city’s most impacted neighborhoods merged in the Financial District to pressure landlords, banks, and what the Occupy movement has dubbed the 1 percent to ease the spreading hardship surrounding housing in San Francisco.

“The 99 percent tenants and homeowners can no longer let the 1 percent banks and real estate speculators destroy our city and our lives so we’re marching in the neighborhoods and on the streets today,” asserted the statement read by the Occupy SF Housing coalition to the crowd gathered in the Financial District. The message echoed through the glass and granite corridors in front of Wells Fargo, passed along in a thousand voices by the now ubiquitous “mic check” style of Occupy crowd communication.

Housing advocates warned that a steady stream of foreclosures, climbing rents, and lagging job opportunities are driving even native San Franciscans out of the city for the relatively affordable housing in the East Bay or forcing them out of the region altogether, transforming the face of San Francisco into an older, whiter, wealthier demographic.

Throughout the economic crisis, San Francisco as a whole has posted lower foreclosure rates than surrounding counties. At first glance, San Francisco, with one in 880 homes facing foreclosure, looks like a safe harbor in the state’s troubled residential real estate market compared with the statewide foreclosure rate of one home in 243, according RealtyTrac. That represents 55,312 residential units across the state. Nationally, one in 563 homes was in some stage of foreclosure as of October 2011, the most recently released numbers.

However, a near absence of foreclosures in affluent, stable, San Francisco neighborhoods like Pacific Heights and Noe Valley hide troubling foreclose rates in the city’s blue collar ZIP codes that far exceed national and statewide levels. In the 94124 zip code that includes the Bayview and Hunters Point, one in 180 homes received foreclosure filings, higher then Oakland’s overall average rate of one in 245 homes — levels that reflect the experience of some of the nation’s most hard hit areas.

Of the 1,513 homes currently listed on the San Francisco housing market, 1,255 were in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process, representing roughly 82 percent of the available housing stock.

At the downtown headquarters of Wells Fargo, Occupy protesters were placing some of the blame for the deepening hardship at the feet of the big banks. According to the Occupy SF Housing coalition, Wells Fargo is the mortgage lender for 226 homes in San Francisco that are in some stage of foreclosure. That represents about 18 percent of the total homes in San Francisco under foreclosure.

In neighborhoods like Hunters Point, these evictions have turned into an economic cascade of household wealth in decline, even for those who have managed to hold onto their homes.

With foreclosures flooding the market, the median sales price for homes in Hunters Point from Aug. 11 to Oct. 11 was $167,500. This represents a decline of 13.2 percent, or $25,500 per home on average, compared to the prior quarter. Sales prices have depreciated 62.6 percent over the last five years in Hunters Point, wiping out equity families have built over years, and leaving those who hang on stuck in underwater mortgages, where their debt far exceeds the value of their home.

“Predatory equity loans make a quick profit (for the lender) at the expense of home owners in the Bayview,” said Grace Martinez of the Alliance of Californians for Community Empowerment (ACCE). “There are 11 homeowners on a two-block stretch of Quesada in default or have already lost their homes.”

While the Obama administration has tried to ease the foreclosure crisis through the federally subsidized Home Affordable Modification Program (HAMP), only a small percentage of people who apply through their mortgage holder for relief under the program receive a loan adjustment. At Wells Fargo, only one in five borrowers applying for HAMP relief have received a loan modification.

Protesters sitting in the streets in front of Wells Fargo demanded that the company establish a moratorium on all foreclosures until it reforms its loan modification practices, halts the eviction of homeowners who have faced foreclosure, and instead offers them a rental option to keep them in their homes — a solution they say will ease the suffering of those caught in the middle of the banking crisis.

The banking and real estate driven economic crash has lead to the largest drop in home ownership nationally since the Great Depression. At the same time that home ownership has become increasingly out of reach for many San Franciscans, increases in rental rates and high competition for rental units are driving out many blue collar San Franciscans from the transit-friendly Mission District, in favor of a generally younger, wealthier, more educated, tech-savvy population.

As rallies took place across the city Saturday in the lead up to the afternoon’s Wells Fargo protest, a group of concerned residents and community groups gathered at 24th and Mission to highlight San Francisco’s other housing crisis — the rental market. The other marches started in the Castro, the Bayview, and the Tenderloin.

Much of the turnover of long-occupied rent controlled housing units in San Francisco comes as a result of the Ellis Act, a state law that allows evictions when an owner’s family wants to move in or when the unit is taken off the rental market. Brenda Nedina’s family is facing an Ellis Act eviction at 874 Shotwell Street.

“I’ve lived in that unit my whole life. My family has lived in the unit for 28 years,” said the tearful, 25-year-old San Franciscan native. “We would love to stay here, but with rents so high, it is not likely that we would find a place in San Francisco.”

Nedina, who works a service industry job at Pier 39, says the economic crisis has made it more difficult for her survive in San Francisco. She has had to cut down her college course load to get by in the tough economy. The troubles will get more complicated if her family is priced out of the city, as critical health services that they rely on are available through their San Francisco residency.

“A lot of people suffer through this as a private problem, but we are making it a public problem, and if the problem belongs to all of us then so does the solution,” said Maria Poblet of Just Cause, hugging a tearful Nedina as she addressed a crowd gathered at 24th and Mission streets.

Latino families like Brenda’s continue to be forced out of the Mission District by rising rent, and less economic opportunity for them in the recession. According to the 2010 U.S. Census, the past decade has seen a 22 percent decrease in the Mission’s Latino population.

“Landlords often abuse the Ellis Act as a way to remove tenants from rent controlled units,” Just Cause organizer Maria Zamudio told the Guardian. “I’m occupying Kaleidoscope free speech zone art space on 24th and Folsom. My slumlord landlord is not down with that mission,” said artist and gallery proprietor Sara Powell, also facing a Ellis Act eviction after pressuring her landlord to address substandard building maintenance issues. Powell’s landlord withdrew a standard eviction process that housing advocates said was unlikely to succeed before launching the Ellis Act eviction.

“With the help off the 99 percent and with right on our side we are going to fight this and we are going to win,” said Powell, whose gallery next door to Philz Coffee is a cornerstone of the neighborhood’s multi-ethnic arts scene. The San Francisco Rent Board has received more than 4,000 petitions to remove rental units from the real estate market since 1999 through the Ellis Act. While Ellis Act evictions have seen some decline during the economic crisis, more Ellis Act evictions are now concentrated in the Mission District, where 40 percent of all Ellis Act petitions are now filed. At the same time, evictions based on breach of lease throughout the city are on track to double pre-recession numbers this year as more and more San Franciscans are have trouble earning enough to keep up with the city’s exorbitant rental rates. According to Just Cause, the average rent for a two-bedroom apartment in the Mission District is now $2,497. “The only way to keep our Chinese, Latino, Arabic, English speaking neighborhood is to fight like hell for our homes,” said Poblet. “Even before Wall Street was occupied, we have been defending this neighborhood. This is the neighborhood of the 99 percent.”