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intake in a fee off the top. if the city were to create its own bank or join forces with others, it would have access to that sorts of funds, and there would not be the fee in place in the same way that the banks ter charged that now. on the disadvantaged side, this gets back to the state law question. so person in this option, whether it is this city alone or in conjunction with other jurisdictions, it would require a change in the state law prohibiting making loans from a public entity. also by joining forces with other organizations. policies and goals may be different for other cities or counties that may be part of the effort. that would have to be negotiated with the city of san francisco and the other entity. of course, the revenue generated would be shared with the other jurisdictions. so it would provide a new revenue source for all the entities involved for the city of san francisco. finally, the sixth option pertains to the creation of a public bank that would be

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