►
Description
This is the third meeting of the 2021-2022 Interim. Please see agenda for details.
For agenda and additional meeting information: https://www.leg.state.nv.us/App/Calendar/A/
Videos of archived meetings are made available as a courtesy of the Nevada Legislature.
The videos are part of an ongoing effort to keep the public informed of and involved in the legislative process.
All videos are intended for personal use and are not intended for use in commercial ventures or political campaigns.
Closed Captioning is Auto-Generated and is not an official representation of what is being spoken.
A
C
D
C
A
Here,
thank
you,
miss
rowe.
Would
you
please
mark
vice
chair
president
when
she
arrives?
Thank
you
members.
We
have
a
quorum
before
we
begin.
I
would
like
to
go
over
some
housekeeping
items.
First,
I
would
like
to
remind
everyone
to
please
silence
all
of
your
electronic
devices
during
the
meeting
for
members
or
presenters
joining
online.
Please
mute
your
microphone
when
you
are
not
speaking,
but
please
leave
your
camera
on.
Additionally,
I
ask
our
presenters
on
the
zoom
video
call
to
leave
your
cameras
off
and
microphones
muted.
A
A
The
committee's
meeting
materials
can
be
found
on
the
nevada
legislators
legislature's
website.
If
you
wish
to
testify
in
person,
please
sign
into
the
table
by
the
door
and
leave
a
business
card.
If
you
do
not
testify,
you
may
also
wish
to
sign
in
so
that
there
is
a
record
of
who
is
interested
in
a
particular
topic
when
testifying
in
person.
Please
turn
the
microphone
button
on
to
speak
and
off
to
listen.
We
have
listeners
and
viewers
in
carson
city
and
online.
We
are
recording
this
meeting
and
it
will
be
available
on
the
legislature's
website.
A
We
have
public
comment
period
at
the
beginning
of
the
meeting,
as
well
as
at
the
end,
and
public
comment
is
limited
to
three
minutes
per
speaker.
In
addition
to
testifying
in
person,
members
of
the
public
may
provide
public
comment
in
four
different
ways,
all
of
which
are
listed
on
the
agenda.
You
can
email
comments
to
the
committee's
email,
mail
them
to
the
research
division
or
fax.
In
your
comments
as
well
and
call
in
by
dialing
669-900-6833.
A
Entering
the
meeting
id
838-6215-1088,
followed
by
the
pound,
sign
with
that,
we
will
move
on
to
our
first
agenda
item,
which
is
agenda,
item
2
public
comment.
Public
comment
will
be
limited
to
3
minutes
per
speaker.
It
is
my
intention
as
chair
to
take
30
minutes
of
public
comment
at
the
beginning
and
the
remainder
of
public
comment
at
the
end
of
the
meeting.
We
will
start
with
public
comment
from
those
in
physical
locations
and
then
move
to
public
comment
on
the
phone.
A
A
Time,
thank
you
okay
and
miss
rowe.
If
you
could
note
for
the
record
that
vice
chair
spearman
has
joined
the
committee
meeting
welcome
okay
members
with
that,
we
can
move
on
to
our
next
agenda
item
agenda
item
three,
which
is
approval
of
the
minutes
for
the
meeting
on
january,
11th
and
february
first
week.
Can
I
take
these?
Can
I
take
these
together?
Okay,
we
will
take
them
together.
If
no
one
has
questions
or
changes
for
either
of
the
meeting
minutes.
We
could
take
one
motion
and
approve
both
sets
of
meetings
together.
A
A
A
Today
we
were
here
today
we
will,
we
will
hear
from
dieter,
and
their
presentation
is
broken
up
into
three
different
sections
we
have
with
us
director,
elisa
caferetta
and
her
staff.
Dieter
has
been
in
the
spotlight
during
the
covet
19
pandemic.
However,
the
department
provides
more
than
unemployment
benefits.
A
It
is
also
the
lead
workforce
development
agency
in
the
state
it
offers
workforce
development
and
related
assistance,
job
placement
and
training
services
for
people
with
disabilities,
investigates
claims
of
discrimination
and
so
much
more
director
caferetta.
Thank
you
for
joining
us.
When
you
are
ready.
The
floor
is
yours.
G
Good
morning,
thank
you
so
much
for
that
introduction.
Pretty
much
covers
everything.
I
was
gonna.
No,
I'm
just
kidding
elisa
caferetta
for
the
record
director
of
dieter.
I
am
joined
in
the
room
by
my
deputy
directors,
chris
sewell,
who
is
the
deputy
director
over
the
operations
part
of
the
house
and
latonya
coleman?
Who
is
our
deputy
director,
and
I
told
her
there
used
to
be
three
seats
here,
so
you
know
I
mean
to
have
her
not
sitting
up
up
front.
G
So
this
morning,
in
the
first
agenda
item,
we're
going
to
give
you
an
overview
of
the
big
picture,
look
at
how
we
rose
to
the
challenge
of
the
pandemic
and
which
is
on
the
next
slide-
and
I
can't
see
them
in
front
of
me
so
may
take
a
little
coordination
here.
G
Deter
is
an
agency
that
is
counter
cyclical
in
many
ways.
Our
work
is
completely
dependent
on
the
economic
conditions
when
we're
facing
an
economic
disruption.
Of
course,
we
focus
on
the
unemployment
services
and
when
the
economy
is
rebounding,
we're
focused
on
workforce
development
and
the
other
side
of
the
house.
So
we
wanted
to
start
this
morning
with
a
a
high
level
update
on
economic
conditions.
H
Thank
you
very
much
director
for
the
record.
My
name
is
david
schmidt,
I'm
the
chief
economist
for
the
research
and
analysis
bureau
within
dieter.
While
I
could
talk
about
the
state
of
the
economy
at
length
in
the
interests
of
time,
I
just
want
to
hit
a
couple
really
high
level
points.
First,
as
you
can
see
from
the
chart,
that's
up
on
the
slide.
Nevada's
employment
level
has
nearly
recovered
where
we
work
prior
to
the
pandemic.
H
Currently
we
stand
at
about
a
little
over
1.4
million
jobs.
We
are
currently
down
just
15
500
jobs
from
where
we
were
prior
to
the
start
of
the
pandemic,
which
means
we're
getting
to
the
point
where
a
couple
of
good
months
could
put
us
over
the
the
top
there.
Recently
we
added
about
6
000
jobs
over
the
month
in
february.
H
At
that
pace
it
would
take
a
couple
more
months
in
january
it
was
about
3
000
jobs,
so
maybe
more
like
five
months,
but
we're
within
striking
distance
of
where
we
were
employment
wise
prior
to
the
start
of
the
pandemic.
In
february,
our
unemployment
rate
was
5.1
percent.
Both
of
these
measures,
the
number
of
jobs
we've
added
over
the
last
year,
as
well
as
the
improvement
we've
seen
in
our
unemployment
rate
over
the
past
year
in
february,
we're
number
one
in
the
nation
and
it
wasn't
even
close
for
number
two.
H
We
were
more
than
a
full
percentage
point
ahead
of
the
number
two
state
in
terms
of
employment
growth.
We've
seen
similar
improvement
in
our
unemployment
rate,
and
if
you
want
to
go
to
the
next
slide,
you
can
see
that
number
highlighted
number
one
in
the
nation
for
employment
growth
number
one
in
the
nation
for
unemployment
rate
improvement
number
one
in
the
nation
for
the
index
of
state
economic
momentum.
This
is
a
quarterly
data.
H
Point
was
released
last
week
that
our
employment
population
and
personal
income
growth-
all
wrapped
together,
was
the
best
in
the
country.
Context
for
this
is
nevada
was
hit
hard
by
the
pandemic.
We
had
more
room
to
make
up.
The
good
news
is.
We
are
in
fact
making
up
that
that
gap.
We
are
seeing
strong
gains
in
employment,
strong
improvement
in
our
unemployment
rate,
and
so
that,
I
think,
sets
a
lot
of
the
context
for
the
other
things
that
are
happening
within
dieter
and
to
not
talk
at
too
much
length.
G
Thank
you
elisa
caferetta,
for
the
record,
so
we
can
go
to
the
next
slide.
Basically,
as
the
chair
pointed
out,
all
of
the
work
that
dieter
does
is
focused
on
the
workforce
and
creating
a
vibrant
workforce
for
the
state.
G
G
So
just
wanted
to
talk
a
little
bit
about
our
agency
and
our
programs
and
sort
of
what
we
went
through
in
the
last
two
years.
G
When
people
talk
to
me
about
taking
on
this
position,
I
have
to
always
give
credit
to
the
deter
team.
The
folks
who
work
at
dieter
worked
tirelessly.
I
don't
think
any
of
them
had
a
weekend
for
the
first
year
of
the
pandemic
and
they're
still
working
long
hours
and
overtime
to
get
through
all
of
the
backlog
that
was
created
during
the
pandemic,
we're
starting
to
see
a
lot
of
change,
which
I
consider
very
positive
at
dieter,
and
we
have
about
900
employees.
G
Some
of
them
are
finally
taking
long
overdue
retirements
and
we
appreciate
the
fact
that
they
stuck
with
us
through
the
pandemic,
I'm
most
excited
about
the
promotions,
almost
a
quarter
of
our
workforce.
These
are
folks
who
are
dedicated
to
the
agency
moving
up
they're,
committing
their
talents
and
moving
into
new
leadership
positions
for
the
agency.
So
there's
a
lot
of
movement,
a
lot
of
new
energy,
we're
very
excited
about
that.
We're
also
quite
excited
to
have
some
breathing
room
to
work
on
diversity
and
equity
initiatives.
G
We
have
applied
for
an
equity
grant
that
is
specifically
working
on
addressing
equitable
access
to
our
services,
particularly
in
unemployment,
and
we
are
partnering
with
the
office
of
new
americans
on
implementation
of
both
sb
222
and
318,
which
are
the
diversity
and
the
language
access
bills
from
the
last
legislative
session.
So
I'm
sure
you'll
be
hearing
more
from
us
on
that.
G
The
the
left-hand
side
of
the
slide
really
was
just
my
math,
so
you
can
ignore
that
the
highlights
on
the
next
two
slides
really
are
it.
It
didn't
work
all
flawlessly,
but
at
the
end
of
the
day
of
almost
half
a
million
claimants
received
over
eight
billion
dollars
in
benefits
in
2020,
with
over
10
million
benefit
weeks
paid.
And
then,
if
you
go
to
2021,
you
started
seeing
people
go
back
to
work
as
things
opened
up
so
267
000
claimants
received
over
five
billion
dollars
in
benefits.
G
Six
million
almost
seven
million
benefit
weeks
paid,
so
that
was
sort
of
the
part
that
went
right.
Those
folks,
you
know,
were
able
to
stay
in
their
homes,
have
health
care,
take
care
of
their
families.
So,
on
the
next
slide,
that's
up.
G
Basically,
you
can
see
that
we
paid
out
over
14
billion
dollars
in
unemployment
benefits
during
the
pandemic
to
668
939
claimants.
I
think
many
of
you
heard
that
we
got
over
two
million
applications
for
unemployment
assistance.
There
are
only
about
1.5
million
workers
in
the
workforce,
so
at
the
very
high
level.
What
that
lets
you
know
is
we
stopped
over
1.2
million
fraudulent
or
imposter
applications
from
getting
benefits,
not
to
say
that
there
weren't,
some
improperly
paid
claims
there
certainly
were
especially
at
the
beginning
of
the
pandemic.
G
What
you
can
see
from
the
different
colors
of
the
different
programs
that
were
paid
was
at
the
beginning
of
the
pandemic.
Most
of
that
money
was
most
of
the
benefits
were
being
paid
from
the
trust
fund,
which
is
dollars
that
our
employers
have
put
in
and
over
time.
It
moved
to
programs
that
were
supported
by
the
federal
government
almost
entirely.
G
So
when
you
hear
about
the
amount
of
money
we
paid
out
and
benefits,
the
next
question
is:
how
is
the
trust
fund
doing
and
the
trust
fund
is
in
a
in
a
healthy
position
right
now,
this
is
sort
of
an
internal
metric
that
we
use,
which
is
tracking
in
real
time
us
keeping
an
eye
on.
When
do
we
need
to
borrow
money?
So
what
this
chart
shows
you
is
at
the
average
weekly
benefit
amount
that
we're
paying
out.
How
many
weeks
will
it
take
to
exhaust
the
trust
fund?
G
And
you
can
see
at
the
beginning,
prior
to
the
pandemic,
hitting
we
had
about
two
billion
dollars
in
the
trust
fund.
So
if
it
were
a
regular
week,
it
would
have
taken
us
years
to
exhaust
the
trust
fund.
But
of
course
it
wasn't
remotely
like
a
regular
week's
payment,
so
just
to
put
that
number
in
perspective
that
two
billion
dollars
that
we
had
in
the
trust
fund
all
those
weeks
we
recovered.
G
G
So
money
still
comes
in,
even
though
the
trust
fund
itself
was
depleted,
so
we
did
not
end
up
borrowing.
So
we
we
had
the
money
at
the
beginning
to
pay
benefits.
We
ended
up
borrowing
in
december
of
2020
and
that's
a
mechanism.
That's
been
in
place
since
the
1930s
to
make
sure
people
can
continue
to
get
their
unemployment
benefits
without
interruption,
so
we
borrowed
through
most
of
2021.
G
Thanks
to
the
legislature
and
the
governor
approving
funds
for
repayment
of
the
trust
fund,
we
were
able,
in
september
of
2021
to
repay
the
333
million
we
had
borrowed.
We
were
able
to
repay
that
before
we
started
being
charged
interest
by
the
federal
government
on
that
money,
so
we
are
deeply
grateful
that
we
were
able
to
make
that
payment
and
put
nevada
back
on
solid
footing.
As
you
can
see,
the
weeks
of
sort
of
expected
benefit
payments
have
been
adding
up
since
then,
so
we
have
about
a
year's
worth
of
benefits
in
the
trust
fund.
G
Currently
we
did
decide
not
to
increase
the
average
rate
for
the
tax
that
we
charge
employers.
This
is
the
second
year
we've
done
that,
so
we're
not
rebuilding
with
sort
of
great
haste,
but
we
understand
that
businesses
are
still
rebuilding,
so
it's
just
going
to
take
us
a
little
bit
longer
than
if
we
were
a
little
more
aggressive
on
those
rates,
but
we
think
overall,
it's
about
five
years
to
get
back
to
the
trust
fund
being
in
the
position
that
it
was
before
the
pandemic,
which
we
think
is
the
appropriate
level.
G
So
we're
ready
for
the
next
turbulence
in
the
economy.
We're
rebuilding
and
we
do
have
sort
of
tools
should
something
happen.
That's
completely
unexpected
to
be
able
to
help
people.
G
So
there's
several
efforts
underway,
we
do
know-
and
you
you
heard
from
all
the
people
where
the
the
system
didn't
work
flawlessly.
We
had
a
lot
of
folks
that
just
couldn't
get
through
a
lot
of
new
programs,
a
lot
of
new
computer
program
that
had
to
be
set
up,
so
we
want
to
be
sure
in
the
future
that
we
are
prepared
for
the
requirements
of
those
kinds
of
disruptions
that
require
a
scale
up.
That
is
overnight
and
immediate.
G
That
would
have
been
unthinkable
before
covid
and
we
also
are
looking
for
a
new
system
that
will
be
able
to
add
new
programs.
There
were
six
new
unemployment
benefit
programs
created
by
congress
in
the
first
year
of
the
pandemic.
G
I
don't
think
anybody's
system
was
really
set
up
to
create
and
implement
and
stand
up
and
staff
six
new
programs.
I
don't
expect
that
to
not
happen
in
the
future.
I
I
think
congress
will
always
try
to
respond
to
the
unique
needs
of
the
economic
situation,
so
we've
also
included
in
our
our
modernization
rfp.
G
G
This
is
arp
money,
so
it
needs
to
be
spent
on
a
fairly
aggressive
timeline,
because
that
money
has
a
limited
duration
that
it
can
be
spent.
As
you
can
see,
we
are
stepping
up
to
that
timeline.
The
board
of
examiners
approved
a
contract
to
help
us
develop
the
rfp
that
rfp
was
developed
from
august
until
february
when
we
published
it
we're
expecting
the
bids
back
at
the
end
of
this
week.
We
hope
to
have
a
projective
notice
of
award
in
june
with
approval
from
the
the
boe
in
august.
G
That's
really
ambitious,
but
we're
hoping
we
put
enough
in
the
front
end
of
the
rfp
to
make
those
goals
with
a
kickoff
with
the
vendor.
That
will
actually
create
the
modernization
in
august
and
the
money
needs
to
be
obligated
and
the
project
substantially
completed
by
december
of
2024
and
again
the
team
really
rose
to
the
occasion.
G
We
have
two
large
initiatives
with
one
them.
One
is
tiger
teams
and
one
is
the
equity
grant
which
I
mentioned.
So
these
are
some
of
the
you
can
see
the
list.
I
won't
read
it
to
you.
These
are
some
of
the
initiatives
that
we
are
putting
in
place
to
improve
our
business
processes,
the
services
that
are
available,
especially
around
the
issues
of
access
in
language
and
disability,
so
that
we
can
make
our
services
more
available
to
more
folks.
G
G
A
Before
we
jump
into
the
second
presentation
director
caferetta,
I
think
I'd
like
to
take
questions
from
the
members
regarding
this
first
portion.
I
know
we
have
questions
from
down
here
as
well.
Senator
settlemeyer
up
north,
but
I'd
like
to
just
let
the
members
know
we
did
notice
that
there
was
some
discrepancies
in
the
printouts
that
were
handed
to
us
and
what
was
shown.
I
think
it
was
when
we
opened
it
in
the
software
system
here
in
lcb
and
printed
it.
A
So
we
will
get
updated
printouts
sent
to
everyone,
but
you
can
also
find
that
on
the
legislative
committee's
website,
the
same
one
just
when
it
printed
and
printed
out
with
different
numbers.
I
have
a
couple
of
questions
director
caprara
before
I
turn
it
over
to
the
members.
I
know
in
the
initial
slide.
I
think
it
was
slide
2,
where
it
was
going
over
the
employment
economic
overview
on
slide
7.
It
had
mentioned
that
nevada
is
again
number
one
in
over
the
year
employment
growth.
A
G
H
I
think
madame
turns
up
it's
a
good
question.
It's
really
interesting
because,
typically,
you
might
think,
like
we've
recovered
the
jobs
that
we've
lost.
That's
not
really
the
case.
We
have
some
industries
that
are
well
ahead
of
where
they
were
some
industries
that
are
further
from
recovery.
The
industry
that
suffers
from
recovery
is
the
casino
hotel
and
accommodation
industry
that
industry
remains
down
about
30
000
jobs
compare
compared
to
where
it
was
prior
to
pandemic.
H
In
contrast,
the
trade,
transportation
and
warehousing
industry,
which
includes
retail
trade,
wholesale
trade
and
transportation
and
warehousing
industries
is
about
20
000
jobs
higher
than
it
was
prior
to
the
pandemic,
and
though
the
the
details
is
something
we
could
share
and
provide,
but
there's
a
number
of
industries
that
have
grown
beyond
where
they
were
the
pandemic.
Really,
the
casino
hotel
industry
is
the
one
that
remains
pretty
significantly
below
where
it
was
prior
to
pandemic.
Just
about
every
other
industry
is
either
at
or
above
where
it
was
for
the
most
part.
A
Thank
you,
mr
schmidt.
I
appreciate
that
and
then,
and
just
one
last
question
from
me,
I
know
you
had
mentioned
it
would
take
us
about
five
years
to
get
back
to
pre-pandemic
levels.
Dr
caprara
is
that,
like
from
today,
like
five
youth
eating
five
years
from
today
to
get
back
in
the
trust
fund.
H
Thank
you
again
and
yes,
that
that
would
be
from
not
necessarily
today,
but
from
the
last
time
that
we
ran
this
and
went
through
the
process
in
october,
we're
setting
the
rates
for
2022..
So
that's
five
years,
probably
from
about
october
of
2021.
If
we
wanted
to
be
really
tight
on
the
timing,
there.
A
Okay-
and
I
do
have
one
last
question
and
director,
mr
smith-
whoever
would
like
to
answer
this,
but
do
you
guys
have
an
idea
of
how
many
people
are
still
collecting
unemployment
insurance
based
on
like
covet
impact
or
covet
claims?
I
know
there
was
initially
used.
2
million
people
who
have
filed
unemployment
insurance
claims,
but
how
many
of
the
current
claims
right
now
are
due
to
covet
still.
G
H
So
david
schmidt,
again
for
the
record,
we
we
don't
have
any
of
the
coverage
specific
programs
still
in
operation
and
so
the
we
don't
have
any
really
natural
flags
about.
Is
it
covet
or
not,
but
we
do
have
a
very
low
level
of
people
claiming
benefits
right
now.
Currently,
just
over
50,
000
or
15
000,
one
five
people
per
week
are
claiming
unemployment
benefits
for
context.
H
If
you
look
at
february,
because
we
had
a
complete
month
there
on
average
in
february
it
was
the
lowest
number
of
people
filing
for
unemployment
benefits
in
any
in
february,
back
to
1999,
when
the
stage
workforce
was
a
little
bit
more
than
half
the
size
than
it
that
it
is
now,
and
so
we
have
really
a
very
low
level
of
unemployment
claims
overall,
and
so,
even
if
a
significant
fraction
of
those
were
somehow
covet
affected
claims,
it
would
still
be
a
relatively
low
number
in
the
scope
of
unemployment
in
the
program
as
a
whole.
H
Yep
for
a
february
and
we
are
pushing
the
lowest
like
weekly
averages
that
we
have
seen
in
that
same
time
frame,
but
just
for
for
details.
Looking
at
each
february,
it
was
the
lowest
february.
A
C
H
David
schmidt,
for
the
record:
currently
we
don't
have
any
debt
within
the
unemployment
trust
fund.
We
do
have
the
money
that
we
have
built
up.
The
question
would
be
how
much
money
would
it
take
potentially
to
get
up
to
what
we
would
think
of
as
a
solvent
trust
fund
or
or
being
adequately
prepared
to
pay
recession
level
benefits
in
a
future
recession?
The
number
for
that
would
be
in
the
ballpark
of
about
1.5
billion
dollars.
H
C
So
that's
fantastic,
we
don't
know
the
feds
or
anyone
else
in
any
funds.
So
that's
great.
I
was
kind
of
curious
on
the
number
of
cases
that
we
went
through
through
the
pandemic.
As
far
as
how
much
you
know,
there
was
some
fraud
that
occurred.
Sadly,
I
was
curious
how
many
cases
have
been
put
forward
for
prosecution
and
how
much
money
has
been
recovered
from
those
fraudulent
claims
or
if
you
had
any
of
that
data.
G
This
is
alisa
caferetta
and
we
have
provided
those
numbers
to
the
interim
finance
committee
recently.
So
we
can
share
that
report
with
you
and
what
I
would
say
is
for
investigations
we're
working
with
law
enforcement
at
several
levels.
So
if
it's
purely
a
nevada
case
that
would
be
nevada
law
enforcement
and
as
we
identify
cases,
we
turn
them
over
to
law
enforcement.
G
There
are
also
many
efforts
going
on
at
the
federal
level,
because
what
we
saw
was
a
great
deal
of
sort
of
organized
fraudulent
approaches
in
several
states
and
we're
working
with
the
office
of
inspector
general
at
the
federal
level
and
as
they
recover
money
that
is
coming
back
to
us.
So
we
we
did
provide
that
report.
I
don't
have
it
in
front
of
me,
but
we
will
share
it
with
this
committee,
so
you
can
see
those
updated
numbers.
Thank.
A
C
Thank
you,
madam
chair,
and
thank
you
director
for
that
information.
I
was
just
curious
because,
unfortunately,
I
know
several
state
employees
that
have
now
gotten
information
from
the
irs
stating
that
they
now
owe
money
back
on
something
they
never
got,
and
this
is
the
first
time
they've
run
across
and
they're
finding
it
extremely
troubling.
C
B
Thank
you
chair
and
thank
you
director,
caferetta,
thank
you
to
the
entire
staff
and
the
department
as
well.
I
know
it's
been
a
really
tough
few
years
and
the
amount
of
work
that
everybody's
put
in
is
is
tremendous,
and
we
appreciate
that
and-
and
my
question
falls
in
line
with
that-
I,
on
the
agency
on
the
move-
there
was
a
section
there
where
you
had
268
people
coming
in
and
277
people
moving
out.
B
So
it
sounds
like
you've
lost
staff,
and
you
have
people
that
have
been
heroic
and
working
over
time
and
and
everybody's
pitched
in
what
is
the
you
know?
What
is
the
health
of
your
organization
as
far
as
proper
staffing
and
unemployment
for
the
unemployment
department?
And
how
are
you
you
know
trying
to
fill
those
needs
now.
G
Alisa
cafaretta
for
the
record,
so
I
would
say
dieter
is
in
the
same
boat
as
most
state
agencies
and
many
employers,
which
is
it's
it's
a
hard
time
to
find
staff,
so
we're
all
working
diligently
to
recruit.
We
have
positions
open
all
the
time.
I
think
we
have
about
300
positions
open
at
dieter,
so
that's
sort
of
an
ongoing
effort
that
we
have.
G
I
want
to
make
a
plug
for
our
business
services,
programs
that
help
other
employers
and
other
state
agencies.
We
can
go
through
people
who
are
looking
for
jobs
and
match
them
up
and
forward
their
resumes
to
businesses
and
government
agencies
that
are
looking
for
folks.
So
you
can
check
out
business
services
on
our
online
on
our
website.
G
Our
vocational
rehabilitation
program
also
does
the
same
thing
so
provides
jobs
for
people
with
disabilities
and
matches
them
to
employers.
We
provide
those
services
to
ourselves,
but
it's
an
ongoing
challenge.
I
think
you're
gonna
and
we
get
when
we
get
to
workforce
you'll,
see
some
of
the
barriers
and
challenges
that
all
employers
are
facing.
G
Other
players
to
consider
is
being
as
flexible
as
we
can
a
lot
of
folks
who
worked
from
home
and
or
had
flexible
schedules
during
the
pandemic,
really
liked
that
it
was
made
it
a
lot
easier
for
them
to
get
their
work
done
so,
to
the
extent
possible
we're
keeping
those
options
in
place
for
our
employees,
which
is
very
attractive,
and
what
I
would
say
about
our
numbers
is
when
I
started
at
dieter,
there
were
about
800
employees,
I
think,
and
about
200
of
them
actually
were
eligible
for
retirement.
G
So
when
I
say
people
stuck
with
us,
they
really
a
large
number
of
people
stuck
with
us,
so
that
that
was
great
to
see.
It
was
a
great
team
effort
and
what
you'll
see
from
us
in
the
in
the
in
the
interim
committee
interim
finance
committee
coming
forward
is
we.
G
We
have
several
intermittent
positions
that
were
put
in
place
for
the
pandemic
and
we
didn't
know
if
we
would
still
need
them
and
we
still
do
need
quite
a
few
of
them
so
you'll
see
at
when
we
get
to
june
the
the
number
of
positions
that
we
would
like
to
keep
on.
A
go
forward
basis
that
will
still
be
intermittent
that
will
be
needed
to
support
closing
out
the
backlog
and
the
modernization.
D
Thank
you,
madam
chair.
Just
direction
coverage
just
a
couple
of
things
and
it
may
have
been
answered
in
the
last
question,
but
the
comeback
taking
about
five
years,
have
you
all
been
able
to
identify
any
emerging
or
latent
challenges
that
might
be
present,
and
if
so,
are
there
things
that
can
be
done
to
mitigate
or
eliminate
them,
either
from
the
legislative
session
coming
up
next
year
or
maybe
you're
in
the
executive
branch?
That's
just
one.
Can
I
have
two
okay.
G
Elisa
cafeter
for
the
record.
Thank
you.
Yes,
one
of
the
major
ones
is
modernization,
so
we'll
we'll
do
everything
we
can
to
keep
that
on
track,
because
the
system
itself
is
a
huge
part
of
the
work.
Several
of
our
other
programs
are
modernizing
and
updating
their
case
management
system.
So
agency-wide
we're
working
to
improve
access.
G
D
Thank
you.
There
was
a
mention
of
industries
that
are
growing
and
I
guess
my
follow-up
question
to
that
would
be.
Do
you
have
any
information
with
any
sort
of
specificity
in
terms
of
what
industries
are
they
tech?
Are
they
medical
and
where
are
they
growing
in
nevada.
G
Alisa
cafereta,
I
will
hope
dave
is
still
on
the
line.
I
will
start
the
answer
by
saying.
There
are
several
initiatives
that
different
partners
in
the
workforce
space
take
on,
so
we
have
identified
with
goed
the
governor's
office
of
economic
development,
high
demand,
high
growth
industries,
and
that's
where
a
lot
of
the
workforce
effort
is
focused
dave
can
hopefully
chime
in.
I
can't
see
he's
on
or
not
if
he's
still
on,
but
he
can
chime
in.
H
Thank
you
dave
schmidt
again
for
the
record.
There's
the
one
hour
answer
to
this
question
and
there's
the
the
three
minute
answer.
So
I'm
gonna
try
to
keep
it
to
the
the
three
minute
one.
But
of
course
we
are
happy
to
provide
any
any
data
that
we
have.
We
love
talking
about
it
in,
in
short,
in
in
reno,
the
unemployment
rate
in
february
was,
I
believe,
2.8
for
context.
The
unemployment
rate
in
the
reno
area
has
only
been
below
3
12
times
since
1990.
H
That's
the
earliest
data
that
we
have
so
unemployment
rate
in
reno
is
really
low
and
it's
really
close
to
its
all-time
low
in
las
vegas.
The
unemployment
rate
is
higher.
H
It's
a
little
bit
over
five
percent
right
now,
so
just
a
bit
above
the
statewide
average
rate,
but
even
that
is
relatively
low
and
more
like
a
a
full
employment
type
of
economy
than
the
recession
level
rates
that
we
were
seeing
even
a
year
ago,
as
far
as
which
industries
I'm
going
to
look
at
las
vegas
in
particular,
since
that's
the
area
that
has
slightly
higher
unemployment,
we
still
see
a
number
of
industries
like
trade,
transportation
utilities,
the
financial
activities,
industry,
professional
and
technical
services,
education
and
health
services,
health
care
and
social
assistance,
hospitals,
food
services
and
drinking
places.
H
Even
all
of
these
industries
are
more
than
a
hundred
percent
of
their
pre-pandemic
employment
levels,
where
we
see
the
biggest
gaps
and
the
the
largest
path
to
recovery.
H
Again,
the
casino
hotel
industry
is
only
about
eighty
percent
recovered
so
about
twenty
percent
of
those
jobs
in
las
vegas
about
33
200
jobs,
total
below
where
it
was
at
the
start
of
the
pandemic.
The
employment
services,
industry,
administrative
and
temporary
services
has
been
recently
down
a
bit
from
where
it
was.
I
think
in
part,
because
if
you
have
the
option
between
temporary
jobs
and
permanent
jobs,
you're,
probably
more
likely
as
a
worker
to
go
for
the
permanent
jobs,
there's
also
been
some
additional
disruption
in
professional
and
business
services.
H
Transportation
like
taxi
and
limousine
service
has
struggled
for
the
last
several
years
and
it's
continuing
to
be
in
that
place.
Other
personal
services
is
down
a
little
bit
in
part
because
in
las
vegas
there's
more
of
these
other
industries
that
are
still
tied
to
or
helping
to
support
the
the
tourism
economy
and
the
casino
hotel
industry
which,
because
it's
disrupted
that
kind
of
spills
over
into
some
other
industries,
but
even
in
las
vegas.
H
There
are
a
number
of
other
industries
that
are
above
or
even
strongly
above
where
they
were
at
the
start
of
the
pandemic
transportation.
Warehousing
utilities
is
up
13
hundred
jobs,
which
is
a
hundred
and
twenty
five
percent
of
what
it
was
at
the
start
of
the
pandemic.
So
there
are
still
areas
that
are
seeing
really
significant
growth,
but
las
vegas.
The
biggest
thing
is
that,
because
of
what's
happening
in
the
casino
hotel
industry
and
that
ongoing
destruction
of
jobs
that
is
spilling
over
to
some
extent
to
other
industries
in
that
area,.
D
Thank
you,
sir.
I'd
like
you
with
your
offline
to
kind
of
narrow
that
down
with
some
specificity,
but
the
next
question
would
be
director
covered.
Are
you
all
looking
at
any
types
of
training,
programs
and
partnerships
for
those
people
who
we
know
in
the
hotel
and
service
industries
that
some
of
the
people
are
being
let
go
because
of
disruptive
technology?
D
And
so
it's
my
understanding
from
from
one
of
the
labor
unions
that
their
average
worker
is
about
47
years
old,
which
presents
some
challenges.
They
still
want
to
work,
but
47
years
old
to
meeting
with
a
30
year
old
many
times
they
are
left
behind.
So
are
we
looking
at
any
any
types
of
partnerships
with
schools,
csn
in
a
c
train
tech
or
whatever?
D
Are
we
looking
at
anything
like
that,
so
that
we
can
make
sure
we
jump
start
in
effect
those
options
and
opportunities,
because
some
of
the
emerging
technologies
are
going
to
come
within
the
next
18
months?
And
so
someone
who
is
employed
now
that
job
could
be
replaced
by
some
type
of
technology.
G
G
But
to
answer
your
question:
yes,
there
are
many
training
programs,
and
what
I've
heard
anecdotally
is
that
there
are
a
lot
of
folks
who
came
out
of
the
hospitality
industry
and
have
gotten
training
in
tech,
jobs
in
coding
jobs,
because
they're
sort
of
very
used
to
dealing
with
technological
systems
and
providing
customer
service
in
a
lot
of
cases.
Those
folks
who
worked
at
the
desk
or
in
customer
service
jobs
are
well
suited.
So
there
is
quite
a
sector
of
folks
who
have
been
able
to
reskill
and
go
into
manufacturing
jobs
and
technology
jobs.
G
We
will,
like
I
said,
talk
about
many
of
the
specific
programs
in
the
hospitality
industry.
I
would
say
they're
sort
of
different
initiatives,
because
you
also
passed
in
the
last
legislative
session
the
right
to
return
legislation
which
meant
that
people
needed
to
be
offered
their
jobs
back
if
their
jobs
did
come
back.
So
I
think
the
part
of
the
hospitality
workforce
was
it
has
been
waiting
for
that
to
happen.
G
So
there
are
different
people
with
sort
of
different
thoughts
about
where
their
future
work
is
going
to
be,
as
some
folks
are
more
inclined
to
reskill
and
start
a
whole
new
career,
and
some
want
to
wait
for
their
job
to
come
back
because
they
really
like
their
job.
So
we're
seeing
both
things
happen,
but
we
do
have
quite
a
few
training
programs
which
we
will
talk
about
a
little
bit
more
later
this
morning,.
C
G
Elisa
caferetta
for
the
record,
I
believe
the
conversation
there
are
so
I
have
to
be
careful
because
we
have
to
follow
the
state
purchasing
rules
and
so,
but
I
believe
basically
the
way
the
rfp
works
is
that
we
have
a
very
extensive
list
of
requirements.
G
There
are
about
a
dozen
vendors
in
the
space
of
providing
unemployment
benefit
programs,
and
so
there
aren't,
to
my
knowledge,
any
off-the-shelf
programs
they're,
all
some
form
of
a
hybrid
combination,
but
some
of
the
criteria
that
we
have
in
the
rfp
are
that
you
have
built
and
run
a
successful
unemployment
program
in
another
state.
So
we're
not
starting
with
anyone
who
doesn't
have
this
experience
and
hasn't
been
able
to
solve
this
problem
and
have
a
track
record
of
that.
So
that
answers
your
question
so.
G
Alisa
caferetta
for
the
record.
Yes,
the
the
challenge
in
the
unemployment
space,
as
we
talked
about
a
little
bit
earlier,
is
every
state
has
a
state
law
that
governs
the
way
the
benefits
are
processed,
the
criteria
for
being
eligible,
and
so
the
federal
government
is
working
on
some
initiatives
to
develop.
G
So
this
is
the
long
way
around
to
answer
your
question.
The
federal
government
is
working
on
initiatives
to
provide
all
of
the
states
with
the
tools
that
we
all
use
so
identity.
Verification
is
a
critical
part
of
the
fraud
prevention
and
we
all
do
it
the
same.
There's
only
so
many
ways
you
can
do
that,
so
the
federal
government
is
working
on
some
tools
that
will
be
accessible
to
all
states
and
and
one
of
the
things
that
they
that
we
have
participate
in
that
is
going
to
help.
G
J
Director,
I
just
wanted
to
ask
a
follow-up
question
about
that,
and
I
it
seems
like
when
we
have
hearings
from
the
departments.
J
We
get
a
system
that
works
for
that
time
and
then,
when
we
need
updates,
and
what
really
troubles
me
is
that
you
know
our
system
was
our
cake
and
that's
why
we're
getting
a
new
system.
But
it
took
all
these
years,
and
so
I'm
wondering
what
kind
of
protections
or
what
kind
of
future
thinking
the
department's
doing
about
the
updates
that
are
going
to
be
needed
in
the
future,
and
is
that
part
of
you
in
your
rfp
process?
Is
that
included
in
what
you're?
Looking
for.
G
Alisa
caferetta
for
the
record.
So
when
we
developed
our
rfp,
we
started
with
sort
of
our
key
priorities
and
some
of
the
key
priorities
were
one.
It
had
to
be
a
lot
more
client
centered.
G
The
old
systems
you'll
find
were
designed
for
staff
and
serving
staff
tasks
instead
of
being
friendly
to
the
client
who
is
applying
for
the
benefits.
But
one
of
the
most
important
priorities
for
the
new
system
is
that
it
is
adaptable
into
the
future.
So
we're
we
tried
very
hard
not
to
prescribe
what
the
solution
would
look
like.
We
want
vendor
expertise
for
that.
What
we
did
say
in
the
rfp
was
the
results
that
we
wanted
the
technology
to
deliver.
G
So
we
want
a
technology
that
is
scalable
on
a
very
short
term,
which
our
old
system
was
not,
so
you
could
go
from
record
low
unemployment
benefits
to
record
high
unemployment
benefits
which
nevada's
that's
our
history.
So
we
need
to
be
ready
for
that
specifically
able
to
implement
new
programs,
as
congress
makes
policy
changes,
which
also
happened
to
us
that
the
system
wasn't
particularly
adapted
to
so,
for
example,
we
did
not
tell
the
vendor
and
the
rfp
that
it
has
to
be
in
the
cloud,
for
example,
as
a
solution
there.
G
G
Another
example
I
would
give
is
there
are
certain
things
we
can't
do
now
like
use
machine
learning
to
make
an
adjudication.
There
has
to
be
a
human
being,
but
there
may
be
a
time
when
we
can
incorporate
more
machine
learning
into
our
process.
We
want
the
system
designed
in
a
way
that
we
can
make
those
changes,
as
the
regulations
are
updated.
A
G
A
G
Apologies
for
that,
so
we
had
several
sort
of
current
questions
that
we
were
asked
to
give
you
an
update
on
so
you'll
see
some
of
those
answers
here
and
we're
happy,
of
course,
to
answer
any
other
questions.
G
So
the
first
specific
question
we
got
was:
if,
if
you
refused
to
get
the
covid
vaccine
next
slide
on
the
slides
and
you
were
dismissed
or
quit,
would
you
be
eligible
for
unemployment
benefits
and
if
you
have
been
paying
attention
to
any
unemployment
presentations?
You'll
know
the
answer
is
a
very
large.
G
It
depends
on
all
the
different
criteria,
so,
first
of
all,
just
at
the
high
level
a
reminder
that
unemployment
benefits
are
a
partial
wage
replacement
that
is
temporary
to
help
you
get
back
to
your
get
back
to
a
job
so
to
qualify
for
unemployment
benefits.
You
must
meet
all
of
the
criteria
that
are
in
place
at
the
time
and
they
changed
quite
a
bit
during
covid,
but
we
are
back
to
sort
of
the
very
narrow
set
of
criteria
you
must
meet.
G
So
this
flowchart
comes
from
the
guidance
that
we
share
with
our
adjudicators
and
again
you
have
to
be
meet
all
of
the
criteria
to
be
eligible,
so
there
aren't
any
very
definitive
yes
or
no's
here.
So
I'll
just
walk
you
through
kind
of
these
are
the
things
that
an
adjudicator
would
ask
in
a
review
of
a
case,
and
I,
I
would
say,
I'm
not
an
adjudicator,
but
I
can
play
one
on
tv.
G
So
if
you
knew
there
was
a
mandate
and
you
took
the
job
and
then
you
refused
to
get
a
vaccine,
it's
likely
your
claim
would
be
denied
unless
there
are
some
other
circumstances.
If
you
didn't
know
about
the
mandate
before
you
got
there,
then
the
next
question
we
would
ask
is
okay:
you
found
out
about
the
mandate.
G
G
Do
you
have
a
note
from
your
doctor
for
why
you
cannot
get
the
vaccine
and
if,
if
you
do
have
a
medical
documentation
of
why
you
shouldn't
get
a
vaccine,
even
though
your
employer
has
a
mandate,
then
you
are
more
likely
to
be
approved
for
unemployment
again
as
long
as
you
meet
all
of
the
other
criteria
to
get
unemployment
benefits,
if
you
don't
have
documentation,
then
it's
the
claim
would
likely
be
denied
in
most
cases,
if
you
don't
have
documentation,
then
you
quit
or
were
discharged
for
failure
to
vaccinate
again.
It's
not
cut
and
dried.
G
If
you
refused-
and
you
don't
have
a
medical
or
religious
reason
to
refuse,
then
your
claim
is
likely
to
be
denied.
So
that's
sort
of
walking
you
through
sort
of
the
series
of
questions
like
I
said.
If
we
have
more
questions
about
that,
I
will
have
to
call
in
somebody
specifically
who
can
answer
all
of
those.
G
The
this
is.
I
wanted
to
share
this
information
because
the
the
constituents
you
are
likely
hearing
from
now
are
those
who
are
in
adjudication
and
unfortunately,
because
of
the
millions
of
claims
we
got,
we
are
still
adjudicating
claims
and
again
we're
through
the
backlog
in
the
pandemic.
Unemployment
assistance
that's
cleared
up,
but
in
regular
unemployment.
These
are
the
ones
where
we
have
the
due
process
requirement
they're
much
more
complicated
claims.
We
need
to
hear
from
both
the
employer
and
the
employee,
and
these
interviews
take
quite
a
while.
G
So
we
are
several
months
behind
unfortunately,
and
you
you
will
be
hearing
from
those
folks,
so
I
would
say
so.
How
can
you
help
them?
Well,
more
than
50
of
our
claims
are
paid
within
14
days
after
the
first
week
of
unemployment
is
filed,
that's
sort
of
the
benchmark,
we're
going
for
so
we're
halfway
there
and
the
the
best
way
to
get
in
that
line
is
to
not
have
issues
that
need
to
be
adjudicated.
G
So
there's
some
specific
issues
that
I've
listed
here
and
I
will
go
through
them
and
tell
you
how
people
can
avoid
ending
up
in
adjudication.
G
So
if
people
got
a
severance
package
or
vacation
pay,
we
those
weeks
they're
still
counted
as
getting
paid.
So
if
they
want
to
avoid
going
into
adjudication,
they
can
sort
of
wait
out
those
weeks.
So
if
you've
got
two
weeks
of
vacation,
you
can
just
hang
out
for
those
two
weeks
take
your
vacation
pay
and
then,
when
you
file
for
unemployment,
you
don't
have
to
list
that
pay,
because
you
were
paid
for
those
weeks
and
you
just
start
filing
for
unemployment.
G
G
The
second
thing
that
we're
seeing
is
for
a
certain
percentage
of
folks.
We,
we
call
them
up
if
they're
unemployed
and
offer
them
an
appointment
to
come
in
and
go
through
re-employment
services.
So
this
is
an
assessment
of
their
skills.
Discussion
of
what
jobs
they're
interested
in
conversation
as
senator
chairman,
is
talking
about
of
training
that
is
available
to
them
and
they
need
to
come
in
and
go
through
that
process
in
order
to
remain
eligible
for
benefits.
So
if
they
are
contacted,
they
need
to
respond
and
participate
in
the
program
to
maintain
their
eligibility.
G
G
So
if
you
are
not
able
and
available
to
work
or
not
looking,
then
you
can
just
not
file
that
week
and
then
there's
nothing
to
adjudicate
so
only
file
in
the
weeks
where
you're,
able
and
available
to
work
and
looking
for
work
and
unreported
earnings
is
something
we're
seeing.
A
great
deal
of
people
are
working
sort
of
part-time,
but
they're
still
applying
for
unemployment.
G
That's
fine!
As
long
as
you
always
report
your
wages,
your
benefits
will
be
reduced,
but
that's
all
fine.
We
want
people
on
the
journey
to
go
back
to
work,
but
they
have
to
sort
of
follow
all
the
rules
and
tell
us
what's
going
on
so
if
they
have
earnings,
they
need
to
report
them
in
the
week
that
they're
earned
so,
and
if
people
have
questions
about
that,
they
can
always
call
our
call
centers.
G
The
lines
are
down
and
we're
able
to
get
to
the
vast
majority
of
folks
who
call
in
so
it's
important
that
folks
follow
those
roles
so
that
they
can
avoid
going
to
adjudication,
which
does
have
a
backlog
and
then
just
to
sort
of
come
back
to.
We
talked
about
this
a
little
in
the
last
presentation,
but
one
of
the
reasons
we
have
this
backlog
is:
we've
lost
a
lot
of
the
assistance
and
the
extra
help
that
we
had
during
the
pandemic.
G
G
The
ability
to
use
those
folks
has
gone
away
that
that
was
actually
rescinded
in
september
of
2021,
as
you
recall,
we
had
200
welfare
staff
folks
who
were
working
evenings
and
weekends
in
overtime
to
assist
us
they're
back
to
welfare,
to
work
on
their
their
work
there.
So
we
we
don't
have
that
help
anymore.
G
Like
I
said
these
numbers,
I
I'm
not
sure
where
I
got
them,
but
they
weren't
accurate.
We
had
183
intermittent
employment,
security
staff
and
16,
it
intermittent
staff,
and
we
will
have
a
request
to
keep
63
of
the
esd
staff
and
16
of
the
it
staff
going
forward,
like
I
said,
for
the
modernization
effort,
so
you'll
see
that
at
the
interim
finance
committee,
so
that
really
has
has
been
what
has
kept
us
from.
Finally,
clearing
out
all
of
the
backlog
we're
on
track
to
get
done
this
year,
certainly
disappointing.
G
We
can't
go
faster,
we
are
constantly
having
we
have
a
weekly
meeting
on.
What
else
can
we
try?
What
other
ways
can
we
get
through
this
backlog,
so
we're
completely
dedicated
to
doing
it
as
fast
as
we
can,
and
unfortunately,
it's
not
going
as
fast
as
we
would
like,
and
you
probably
are
hearing
about
it,
but
I
just
wanted
to
reassure
you
that
we
are
doing
everything
we
can
to
approach
this
and
get
through
the
backlog,
so
people
can
get
their
benefits
in
a
timely
way.
J
Thank
you.
So
I
have
a
couple
questions.
The
first
one
is
about
the
backlog,
which
I'm
sure
you
knew
was
going
to
come
up,
so
I
am
getting
lots
of
emails
from
my
constituents
and
even
people
that
aren't
my
constituents,
so
I
think
they're
emailing,
all
the
elected
officials
and
then
we're
all
emailing
you.
But
my
question
is
these:
are
people
that
can't
pay
their
rent
can't
buy
food
can't
pay
their
electricity
and
some
of
the
people
that
have
emailed
me
have
been
waiting
for
over
nine
months?
J
And
when
I
refer
them,
I'm
told
that
the
weight
is
the
backlog
is
still
very
large
and
I
really
have
a
heart
for
these
people
because
you
know
when
you
have
all
those
insecurities.
J
It
is
very
difficult
to
manage
in
life,
and
you
know,
and
that
brings
in
the
mental
illness
that
people
are
having
because
of
all
of
this.
So
I
I
understand
that
the
department
has
lost
a
lot
of
people
that
we
don't
aren't
staffed
at
the
levels
we
were
during
the
pandemic,
but
how?
J
J
This
has
happened
because
we
had
so
many
claims,
but
how
can
we
get
to
whole
again
so
that
we
can
help
nevadans
get
their
feet
back
on
the
ground
and
feel
like
they
can
provide
for
themselves
or
their
families
or
their
children?
I
mean
I,
you
know
we
all
saw
the
article
about
the
teacher
that's
living
in
her
car
because
she
can't
afford
you
know
to
pay
rent.
This
is
happening
a
lot
and
so
and
these
people
that
are
in
the
backlog
have
nothing.
I'm
they're
not
getting
any
assistance
anymore,
there's
none
out
there.
G
I
wish
I
had
a
better
answer
for
you,
I
I
have
to
say
in
the
the
in
the
whole
duration
of
my
time
with
theater,
which
is
now
going
on
a
year
and
a
half.
I
think
this
is
probably
the
most
frustrated
I've
been
because
at
in,
in
the
height
of
the
pandemic,
all
there
were
lots
of
moving
parts,
and
every
week
we
were
reinventing
the
process.
G
We
were
redeploying
staff
every
time
we
finish
one
backlog
of
work.
We
re
redeployed,
those
staff
and
put
them
somewhere
else,
but
one
of
the
reasons
we
shared
the
staffing
with
you
is,
you
know:
we're
down
probably
500
staff
because
of
the
change
in
the
rules
at
the
federal
level
and
the
funding
that
we
have
and
the
the
welfare
folks
having
to
go
back
and
start
working
on
the
backlog
that
they
have
in
welfare.
G
G
Some
of
those
maximus
folks
had
a
year
plus
of
experience
of
unemployment
claims
processing,
so
they
actually
and
we
would-
we
would
very
targeted
in
our
approach
with
them.
We'd
have
them
work
on
one
specific
issue,
so
we'd
train
them
in
depth
in
that
issue,
but
they
now
those
folks
we
are
losing
because
we
can't
use
them
under
federal
rules.
G
So
if
the
dol
would
just
let
us
have
the
staffing
flexibility
to
get
through
the
backlog,
not
on
a
go
forward
basis,
just
to
get
back
through
the
backlog,
that
would
be
significant.
The
way
our
cases
are
funded,
the
way
we're
funded.
We
get
funding
for
sort
of
we
get
base
year,
funding
which
is
sort
of
the
average
year
which
there's
not
really
such
a
thing
and
then
sort
of
after
the
fact
we
get
above
base
for
the
number
of
cases
that
have
come
in
well.
G
All
these
programs
have
expired,
so
no
new
cases
are
coming
in
so
there's
also
no
additional
above
base
money
to
administer
the
program.
Even
though
we
still
have
these
cases-
and
we
do
have-
I
don't
think
it's
nine
months,
but
it's
close
several
months
of
backlog
to
get
through
and
and
the
frustration
is.
I
know
people
need
the
money
right
now,
but
we
have
to
go
in
order
of
the
people
that
need
the
money
and
get
to
the
folks.
G
G
Maybe
we
should
ask
to
keep
more
to
focus
on
this
backlog,
so
that
is
one
potential
thing
we
could
do,
but
we're
we
are
running
out
of
the
legal
authority
and
the
money
and
the
people
with
expertise.
To
do
this
work
and,
like
I
said
this
is
the
most
frustrated
I've
ever
been
because
the
need
is,
if
you
lost
your
job,
the
need
is
just
as
great
now
as
as
it
was
during
the
pandemic.
I
will
say
there
are
other
assistance
programs.
You
mentioned
rental
assistance.
G
I
do
believe
there
are
still
assistance
in
housing
and
we
can
make
sure
you
have
those
resources,
but
there
there
is
very
little
that's
available.
So
I'll
go
back
to
my
team
and
see
if
there's
anything
else,
we
can
ask
you
for.
A
I
thank
you
director.
I
just
want
to
follow
up
on
the
question.
Senator
laing
asked
now
that
guidance.
Holland
did
you
have
was
that
guidance
that
came
down
from
the
department
of
labor
where
they
they
allowed.
You
guys
to
use
like
merit
staff,
or
was
it
guidance,
and
then
they
rolled
it
back
in
september
of
2021,
and
it
would
just
take
guidance
from
the
department
of
labor
again
to
allow
you
guys
to
use
this
staff
to
clear
up
the
backlog.
G
Alisa
cafretta
for
the
record.
Yes,
we
get
policy
letters
which
are
directives,
it's
not
really
guidance,
it's
direction
from
the
department
of
labor
and
at
the
beginning
of
the
pandemic
they
gave
us
flexibility,
so
merit
staff
are
state
employees
essentially,
and
they
gave
us
flexibility
to
not
have
to
have
merit
staff,
doing
the
work
and
then
september
of
2021.
G
That
flexibility
was
ended.
I
guess
would
be
the
best
way
to
describe
it
and
and
what
happens
when
the
department
of
labor
gives
you
this
direction?
Is
they
also
do
several
webinars
with
our
state
employees
and
they?
They
came
back
to
this
point
again
and
again
and
again
that
the
flexibility
had
ended
and
we
could
not
operate
the
way
we
were
operating
before.
G
C
G
Elisa
caferetta
for
the
record,
so
if
you
so
sort
of
the
big
picture
response
would
be
it
if
the
reason
that
you
quit
your
job
or
were
let
go
was
because
you
refused
to
get
a
mandated
vaccine,
that's
not
that
you,
you
can
apply
for
unemployment,
then
the
question
is:
do
you
qualify,
and
so
I
don't
believe,
there's
anything
on
our
application.
G
That
would
the
question
would
be.
Were
you
did
you
quit
or
were
you
laid
off
and
you
would
explain
that
and
then
the
reason
you
would
go
into
adjudication
is
if
the
employer
said
you
you
quit,
but
it
wasn't
for
a
good
reason.
So
I
protest
you
getting
unemployment
so
that
that
would
be
when
the
case
would
come
to
adjudication.
C
Well
it
in
your
slide
here
you
have
right
here
that
no
does
employee
have
medical
advice
not
to
vacs
and
that's
what
I'm
curious
about,
and
then
you
also
talk
about
religious,
so
you
must
be
asking
someplace
what
was
their
reasoning
for
dismissal
and
if
they
state
will
I
have
a
medical
or
religious
exemption
that
that's
got
to
be
determined.
Some
places
to
me
would
be
a
statistic
that
would
be
of
value.
G
Alisa
cafretta
for
the
record,
so
we
would
definitely
have
those
notes
in
our
case
notes
of
the
adjudication.
I
just
don't
know
how
easy
it
would
be
to
pull
out
the
statistic
I
will
check
with
my
team
and
see
if
there's
a
way
we
can
sort
of
get
you
some
numbers
on
that.
Well,.
C
I,
and
actually
the
one
that
I'm
really
looking
for,
is
the
justification
on
how
many
you
accepted
denied,
and
why
did
you
accept
or
deny?
Why
was
one
doctor
better
than
the
others
you
accepted
that
doctor,
but
not
another
medical
doctor
or
and
then
also
on
religion,
how
you
separated
them
out
that
that's
really
what
I'm
looking
for
is
how
you
made
those
determinations.
G
This
is
alisa
cafaretta
again.
I
believe
that
in.
G
G
C
G
C
Chair,
if
the
attorney's
not
available,
maybe
they
can
get
us
the
information
on
that
policy
on
how
they're
determined
on
what
to
accept
it
looks
like.
E
Senior
legal
counsel
for
the
employment
security
division
in
truth,
assemblyman
o'neill-
I
I
will
start
out
with
saying
that
it's
a
fluctuating
situation
on
a
number
of
levels,
but
the
guidance
from
the
department
of
labor
and
the
guidance
with
what
little
court
we
have
are
that
it
will
depend
on
a
case-by-case
basis.
E
In
large
part,
I
can
tell
you
with
some
certainty
is:
if
they
have
a
real,
genuinely
held
religious
belief
exception,
they
will
likely
get
paid
if
they
have
a
doctor
saying
they
should
not
have
asked
the
likelihood
is
they
will
get
paid.
That
is
the
guidance
we've
set
out
as
long
as
they've
got
the
documentation.
Obviously,
the
other
thing
I
want
to
clear
up
is
that
adjudicators
work
in
such
a
way
that
they
interview
both
the
parties.
If
the,
for
example,
if
the
employer
is
contesting
this,
they
interview
the
employer
and
get
their
documentation.
E
If
the
losing
party
does
not
like
the
adjudicators
decision,
they
then
go
to
a
full-on
evidentiary
hearing
where
this
claimant
can
call
witnesses,
for
example,
they
could
call
their
pastor
or
priest
or
whatever
the
title
of
the
religious
person
may
be,
or
they
can
bring
in
their
doctor
or
documents
from
their
doctor.
612
500
allows
them
to
use
statements
from
witnesses
because
the
hearings
are
designed
to
bring
in
all
the
evidence
and
not
necessarily
follow
court
evidentiary
rules,
as
we
would
normally
understand
them.
E
With
that
said,
we
have
tried
to
mirror
the
department
of
labor,
with
our
guidance
to
our
adjudicators
and
referees
saying
you
have
to
look
at
every
case
separately
and
I
I
don't
want
to
necessarily
get
into
hypotheticals.
I
will
also
try
to
ease
your
mind
assemblyman
that
I
have
currently
in
2021.
We
had
700
petition
for
judicial
review
cases,
plus
it's
it's
a
little
over
700.
E
I
don't
remember
the
total
number
off
the
top
of
my
head
at
this
point
and
we
are
breaking
record
levels
in
2022,
as
you
might
expect
just
getting
through
the
pandemic
cases
and
the
cases
as
they
come
in,
and
I
can
tell
you
not.
E
One
of
these
cases
has
gone
to
a
petition,
yet
I
I
don't
know
what
the
reason
for
that
is
yet
or
if
it's
just
that
most
of
them
have
either
gotten
paid
or
the
employers
aren't
contesting,
and
I
don't
want
to
speculate
because
we
don't
have
that
data
with
regard
to
other
considerations.
E
Dol
guidance
tends
to
change
over
time
and
the
other
two
issues
that
I
want
to
make
clear
for.
The
record
is
the
two
separations
that
would
cause
a
case
to
go
forward
are
either
you
quit
without
good
cause
or
that
you
violated
a
reasonable
standard
of
your
employer
and
that's
what
we
call
under
unemployment
law
misconduct.
E
Anecdotally,
for
example,
if
an
employer
were
to
fire
someone
who
was
already
working
at
home
in
the
privacy
of
their
home
behind
a
computer
for
not
taking
a
vaccine,
there
is
at
least
a
solid
legal
argument
that
it
is
not
a
reasonable
standard
to
force
them
to
vaccinate
if
they
are
already
separated
from
the
public,
whereas
someone
who
is
interacting
with
the
public
every
day,
such
as
in
a
hospital
or
other
medical
setting
that
may
weigh
in
favor
of
it
being
upheld.
E
I
don't
want
to
comment
on
either
of
those
scenarios
more
than
I
just
did
because,
as
I
said
case,
law
is
in
flux,
these
cases
are
working
themselves
through
the
court
system,
but
the
guidance
we
are
giving
in
general
is
look
at
every
case
at
an
individual
basis,
weigh
the
results,
as
you
would
and
that,
if
they
are
documented
most
likely,
they
will
be
approved.
C
A
B
Thank
you
chair
and
director
at
capretta.
My
question
is
where
you
said:
the
department
of
labor
has
taken
away
the
flexibility
for
hiring
staff.
B
Would
you
be
able
to
email
our
committee
with
the
section
from
the
department
of
labor,
where,
where
those
regulations
are
because
we
all
sitting
here,
want
to
help
the
people
of
the
state
of
nevada
and
if
there's
any
way
that
we
could
work
with
our
congressional
delegation,
I
am
an
optimist
to
you
know
the
state
moves
slow
and
I
think
congress
moves
even
slower,
but
I'd
like
that
opportunity
for
us
all
of
us
here
to
try
and
pursue
that
to
see.
B
C
C
C
C
I
know
it's
unfair
to
ask
you
to
do
it,
but
I'm
not
sure
who
best
to
try
to
reach
out
to
the
hr
departments
of
the
different
entities
of
the
state
of
nevada
and
that's
why
I'm
asking
you
to
do
it
or
if
you
could
direct
me
to
the
right
person
I'll
put
that
question
appropriately
in
front
of
them.
Thank
you
director
and
thank
you,
madam
chair.
J
Thank
you,
chair
hadiki.
I'm
just
we've
had
some
conversation
about
senator
settlemeyer,
your
microphone.
J
We've
had
conversation
about
the
flexibility
of
the
staffing,
and
I
think
you
mentioned
in
your
comments
that
it
would
be
helpful
if
we
as
a
committee,
could
send
a
letter
to
our
federal
delegation
and
or
the
department
of
labor,
or
there
may
be
other
people
and
so
shareholding.
I'm
wondering
what
the
process
might
be
for
us
as
a
group
to
say
that
would
be
a
great
idea
and
proceed.
J
A
G
Good
morning,
thank
you
still
elisa
caffaretta,
so
I'm
going
to
give
you
a
super
high
level.
I
know
you're
hearing
from
other
folks
this
morning
on
workforce
efforts,
I'm
just
going
to
give
you
the
highlights
of
sort
of
what
we
did
during
covid,
what's
sort
of
currently
happening
and
a
little
little
look
into
the
future.
G
Let
me
just
say
this
about
workforce,
which
is
the
part
of
my
job.
I'm
really
excited
to
be
spending
a
lot
of
time
digging
into
is.
There
is
a
very
large
and
complex
sort
of
workforce
development
ecosystem
in
the
state,
and
I
did
not
sort
of
try
and
draw
a
map.
I've
actually
been
asking
for
a
map
of
the
workforce
ecosystem
and
there's
not
really
a
great
map
of
all
the
people
who
are
working
on
helping
develop
our
workforce
that
we
need.
G
So
the
way
I'm
thinking
about
where
we
need
to
go
because
you
will
very
rapidly
get
into
a
very
complicated
weeds
about
all
the
places
where
this
happens,
who
pays
for
it,
how
it's
funded,
how
it's
directed?
What
the
guidance
is.
I
learned
just
this
weekend
that
the
department
of
agriculture
has
workforce
development
staff
who
are
in
the
their
sort
of
literacy
arm
of
the
department
of
ag
the
state
treasurer
has
a
navigator
who
does
career
navigation
for
folks
who
are
getting
millennium
scholarships.
I
mean
it
really
exists
everywhere.
G
I
don't
think
we
will
be
successful
if
that
is
our
approach.
So
the
way
I'm
thinking
about
it
is
what
two
or
three
initiatives:
what
specific
projects
can
we
work
on
together?
What
specific
policies
can
we
change
that
will
really
leverage
the
results
that
we
are
looking
for.
So
that's
my
30
000
foot
view
of
what
we're
doing.
I
want
to
tell
you
a
little
bit
of
the
specifics
of
what
deter
is
doing
and,
like
I
say,
you're
hearing
from
other
folks
in
the
ecosystem
later
on
today.
G
So
you'll
get
a
good
picture
of
some
of
things
that
are
happening.
So
if
you
look
at
what
we
did
during
kovid,
while
we
we
borrowed
a
lot
of
staff
from
our
workforce
programs
to
help
process
unemployment
claims.
We
we
also
at
the
same
time,
made
a
lot
of
effort
to
make
sure
our
services
were
available
online.
So
we
were
one
of
the
the
first
state
in
the
country
to
make
vocational
rehabilitation
applications
fully
available
online
and
those
vocational
rehabilitation
support
services
available
through
online
appointments.
G
G
Our
partners
that
do
a
lot
of
the
workforce
development
work,
nevada
works
in
the
north
and
workforce
connections
in
the
south
stayed
up
and
online,
and
they
also
made
their
services
available
virtually
or
in
some
cases
in
person.
The
day
labor
office's
reopening
actually
should
be
on
current
efforts.
They
closed
during
the
pandemic,
based
on
the
state
precautions
we
applied
for
and
received
several
emergency
grants
to
provide
additional
services
to
displaced
workers.
G
As
we
go
forward,
we
were
really
excited
to
work
with
the
governor
on
job
fest,
which
had
hundreds
and
hundreds
of
employers.
Interviews
on
the
spot
over
a
hundred
people
got
jobs
that
day
and
many
more
had
interviews
and
followed
up.
So
that's
the
sort
of
effort
that
we
had
during
the
pandemic
to
keep
that
work
going
as
folks
were
pivoting
back
to
going
back
to
work.
G
G
Those
approvals
are
now
live
back
at
business
and
industry,
so
you
may
hear
from
them
this
afternoon
that
that
part
of
the
the
workforce
process
went
back
to
business
and
industry
in
the
last
legislative
session.
It's
under
the
labor
commissioner
and
the
state
apprenticeship
council.
We
have
the
governor's
office
of
workforce
innovation.
G
The
industry
sector
councils,
which
give
us
information
from
employers
in
specific
industry
areas,
have
also
been
reinvigorated,
so
we've
got
folks
from
healthcare
manufacturing,
I.t
and
logistics
really
telling
us
from
an
employer
perspective.
What
skills
they're
looking
for
the
challenges
they
have
in
hiring
people.
What
training
they
would
like
to
see
developed.
G
The
governor's
association
did
a
workforce,
innovation
analysis
there.
They
did
a
report
of
our
ecosystem
and
there
are
several
recommendations
that
we're
implementing
from
that
report,
and
there
are
a
lot
of
other
efforts
that
are
ongoing,
currently
to
make
sure
people
can
get
the
training
and
supports
that
they
need.
G
So.
Just
looking
into
the
future,
one
of
the
recommendations
from
the
governor's
association
report
was
to
elevate
these
priorities
for
the
governor,
so
we're
creating
a
sub-cabinet
that
is
going
to
focus
on
the
governor's
workforce
priorities.
You
heard
several
of
them
in
the
state
of
the
state
address,
and
certainly
jobs
in
the
economy
have
been
a
priority,
obviously
all
through
the
pandemic,
but
especially
now,
so
the
members
of
the
sub
cabinet
will
be
deter.
G
That's
in
addition
to
what's
already
available
the
ab450
committee,
which
was
a
bill
that
you
passed
in
the
last
legislative
session,
is
looking
at.
What
can
we
do
to
make
community
college,
and
particularly
the
workforce
tracks,
they're,
more
accessible
and
the
labor
commissioner
again
is
working
on
more
availability
of
apprenticeships.
G
One
of
the
major
initiatives
is
to
get
better
data
in
the
empower
system,
which
is
the
longitudinal
data
system
which
tracks
when
we
make
an
investment
in
workforce
or
education.
What
are
the
outcomes
for
employment
and
wages
on
the
as
people
get
through
those
trainings?
So
where
can
we
invest
in
the
workforce
for
the
highest
return
on
investment
and
one
of
the
other
major
initiatives
that
you'll
probably
be
hearing
about
and
may
see?
G
Legislation
on
is
sort
of
coming
up
with
a
quality,
a
shared
definition
of
what
is
a
quality
credential
and
how
we
can
make
it
more
accessible.
There's
been
nationally,
it's
not
just
in
nevada,
just
a
huge
explosion
of
the
number
of
certificates
and
credentials
that
are
available
and
we
are
working
on.
How
can
we
make
sure
people
can
find
those
credentials
a
lot
of
them?
The
the
workforce
investment
opportunity
act
will
pay
for
you
to
get
those
trainings
and
get
those
credentials.
G
G
G
G
There
are
opportunities
in
the
lithium
industry,
and
certainly
climate
change
is
another
priority
that
we're
looking
to
address
vocational
rehabilitation.
We
want
to
integrate
their
work
more
with
the
workforce.
Ecosystem
sort
of
writ
large
and
occupational
licensing
reform
has
a
role
to
play
in
getting
people
into
the
jobs
that
they
want.
G
I
would
say,
sort
of
parallel
and
integrated
with
this
work
as
the
the
major
barriers
that
we
are
seeing
in
nevada-
and
I
know
you're
going
to
hear
more
about
this
for
young
women.
Child
care
is
absolutely
a
full
stop
barrier.
If
you
don't
have
child
care,
then
that's
you're,
sort
of
stuck.
So
I
know
the
governor
has
a
major
investment
and
initiatives
in
this
area
and
we
are
in
a
support
role
of
how
we
can
help
them,
develop
the
staffing
they
need
and
and
get
any
policy
changes
they
need.
G
But
there
are
other
folks
taking
the
lead
on
child
care.
Affordable
housing
is
critical
and
transportation
is
critical,
so
you'll
probably
be
hearing
from
folks
working
in
those
spaces,
but
those
are
some
of
the
major
major
barriers
to
getting
folks
back
to
work
that
have
dropped
out
of
the
workforce
during
the
pandemic.
G
A
D
Thank
you,
madam
chair,
so
I
just
quick
question
and
you
covered
it
just
about
thoroughly.
For
me,
you
mentioned
you're
checking
to
make
sure
that
there
are
if
there
are
any
licensing
or
professional
agencies.
So
are
you
working
with
the
licensing,
the
professional
licensing
board,
especially
when
it
comes
to
we
passed
a
number
of
bills?
Last
time
with
respect
to
combat,
there
are
people
who
may
want
to
go
into
nursing.
G
Alisa
cafaretta
for
the
record,
so
I
would
share
with
you
a
couple
of
things.
One
is
occupational
licensing
reform
is
one
of
the
governor's
priority
initiatives,
so
we're
working
with
the
governor's
office
to
support
them,
and
I
don't
have
all
the
details
of
the
conversations
that
they're
having
but
we're
very
supportive.
G
I
would
we
will
share
with
you
the
governor's
office
of
workforce.
Innovation
did
an
analysis
of
occupational
licensing
and
reform,
primarily
with
an
eye
to
the
supporting
the
veterans
administration,
and
we
really
especially
see
spouses
of
active
military
as
well
as
veterans
who
have
moved
a
lot,
and
these
are
people
who
have
great
skills
licensed
in
several
other
states
facing
challenges
here
to
get
licensing.
G
So
I
believe
nevada
participates
in
a
few
of
the
compacts,
but
there
are,
I
think,
I'm
going
to
guess
a
number
seven
compacts
and
I
don't
think
we're
participating
in
all
of
them,
so
there's
certainly
opportunity
there,
but
we
can
share
this
report
with
you,
which
gives
you
a
pretty
in-depth,
look
at
sort
of
the
opportunities
and
challenges
and
ways
other
states
have
addressed
it
because
for
certain
for
veterans
and
people
coming
from
other
states,
there
are
challenges
and
we
can
do
a
better
job.
So
we'll
share
that
with
you.
D
Thank
you
follow
up
so
last
session.
There
was
a
bill
that
came
out
of
the
sunset
subcommittee,
recommending
some
changes
with
respect
to
how
licensing
boys,
because
we've
been
dealing
with
this
since
1999
the
reports
that
they
should
they're
supposed
to
push
forward
to
the
legislature
and
then
they
don't
and
those
reports
include
how
many
people
have
applied,
how
many
people
were
denied.
Why
that
sort
of
thing
and
then
the
big
clincher
for
that
is
for
veterans
and
military
and
military
spouses.
D
So,
as
you
go
forward
and
look
at
this,
if
that's
something
that
you
could
include
on
the
in
the
information,
you
might
request
that
could
probably
help
us
because
right
now
we
don't
really
have
a
clue
from
some
of
the
boards.
They
have
never
answered
that
questions
or
those
questions,
and
so
that
exacerbates
the
problem
and
coming
out
of
kovit.
I
think
that
it
is
more
imperative
that
everyone
involved
in
workforce,
whatever
category
that
is
everyone
involved,
has
got
to
push
to
make.
A
Okay,
doesn't
look
like
we
have
any
questions
up
north,
so
thank
you
so
much
director
for
your
presentation
for
being
here
for
all
three.
We
appreciate
you
and
your
staff
and
all
the
work
you've
done,
and
I
hope
I
know
you
had
mentioned-
that
many
of
your
staff
have
worked
through
the
pandemic
without
a
day
off.
I
hope
they
are
getting
some
rest
now.
Thank
you
and
please
let
them
know
that
we
appreciate
all
their
hard
work.
A
Okay,
members
moving
along
to
our
next
agenda
item,
which
is
agenda,
item
number,
seven
presentation
on
small
businesses
in
nevada
and
current
workforce
needs.
It
was
always
my
intention
when
we
started
the
interim
subcommittee
to
make
this
an
informational
interim
committee,
where
we
are
learning
about
all
of
the
industries
and
areas
that
come
before
commerce
and
labor
and
making
sure
that
we
are
fair
and
hearing
from
everyone
impacted
in
every
sector,
so
we
heard
from
our
public
sector
when
it
comes
to
labor.
A
I
think
it's
important
that
we
also
hear
from
the
private
sector
to
hear
the
issues
that
our
small
businesses
are
facing
as
well
again.
This
is
agenda.
Item
number
seven
and
we
are
going
to
start
down
here
in
southern
nevada,
with
agenda
item
number
7a,
which
is
a
presentation
from
the
vegas
chamber.
We
have
president
mary
beth
seaworld
here,
who
is
the
chief
executive
officer
to
present?
K
About
that
good
morning,
again,
let's
try
take
two.
Thank
you
so
much
chair,
haragi
vice
chair
spearman
and
members
of
the
joint
committee
for
the
record.
My
name
is
mary
beth
seawalled,
I'm
the
president
and
ceo
of
the
las
vegas
chamber
of
commerce,
also
known
as
the
vegas
chamber
I'm
joined
today
with
my
colleague,
dylan
keith.
He
is
the
manager
of
government
affairs
at
the
vegas
chamber
as
well.
K
Once
again,
I
want
to
want
to
thank
you
all
for
having
us
today.
What
I'm
going
to
do
is
give
you
a
very
brief
high-level
overview
of
the
vegas
chamber,
just
a
little
bit
of
its
history,
some
of
the
services
that
the
vegas
chamber
provides,
which
is
in
direct
response
to
the
needs
of
the
business
community,
employers,
employees
and-
and
I
want
to
stress
that
this
is
not
just
members-
that
we
provide
these
benefits
to
these
resources.
These
are
members
and
non-members
alike.
K
As
a
matter
of
fact,
throughout
the
height
of
the
pandemic,
the
vegas
chamber
made
a
concerted
effort
and
we
gave
away
more
than
350
free
memberships
to
our
smallest
businesses
and
we
define
as
small
businesses
as
those
with
fewer.
This
is
in
nrs
as
well
fewer
than
50
or
fewer
employees,
and
so
we
find
it
incredibly
important
to
provide
these
resources
to
employers
and
employees
across
the
entire
state
north-south
rurals,
and
I
know
that
you'll
you'll
hear
stories
from
my
colleague,
ann
silver
in
northern
nevada
as
well.
K
One
of
the
things
that
drives
us
at
the
vegas
chamber
and-
and
I
really
was
interested
to
hear
from
director
kepharata
because
prior
to
her
arrival
at
dieter,
we
literally
took
calls
from
those
who
were
unemployed,
who
could
not
get
resources
from
dieter.
They
were
a
little
literally
suicidal,
and
so
at
the
vegas
chamber
we
were
sort
of
boots
on
the
ground.
K
But
one
story
I'll
tell
you
just
quickly.
Is
we
have
a
member
who
her
name
is
kathy
kathy,
brooks
from
the
hydrant
club
she's,
a
small
business
owner
in
southern
nevada,
dog
training,
dog
day
care,
and
things
like
that?
She
called
me
one
night
during
the
height
of
the
pandemic
in
tears
said
I
cannot
do
this.
I
cannot
keep
my
business
open
so
the
very
next
day
we
had.
Luckily
the
vegas
chamber
had
a
a
webinar
with
joe
amato
from
the
small
business
administration.
We
were
able
to
actually
connect
her
directly
with
joe.
K
He
walked
her
through
how
to
fill
out
a
ppp
loan
idle
loans
and
things
like
that,
and
we
did
that.
That's
just
one
example
of
hundreds
that
I'm
sure
all
of
my
chamber,
colleagues
from
across
the
state,
could
share
with
you
of
real
person-to-person
assistance
that
we
were
able
to
provide
and
again
that
just
was
something
that
fueled,
the
entire
team,
and
I
think
our
teams
at
the
chambers
across
the
street
were
able
to
across
the
state,
were
able
to
step
up
in
ways
that
we
really
didn't
even
know
we
could.
K
But
while
this
was
the
most
challenging
time,
I
think
we've
ever
faced.
It
was
also
the
most
gratifying
so
with
that.
Just
to
give
you
a
tiny
bit
of
background
about
the
vegas
chamber,
we're
celebrating
111
years
this
year
being
in
business,
the
broadest
business
organization
across
the
state,
we
have
a
lot
of
resources.
K
We
we're
the
only
chamber,
we're
the
first
chamber
in
the
u.s
to
employ
to
house
the
employee
nv
business
hub,
and
that
was
something
that
was
a
direct
result
of
what
members
and
non-members
alike
had
told
us
that
they
needed
across
the
state.
K
So
we
have
our
handprints
all
over
a
lot
of
things
across
the
state,
including
things
like
the
the
airport,
the
harry
reid.
What
is
now
the
harry
reid,
international
airport,
the
las
vegas
convention
and
visitors
authority,
also,
the
designation
of
interstate
11.,
so
the
chamber
has
a
long
history
of
being
very
involved
in
this
community,
and
that
was
no
small,
no
small
change
here
during
the
the
height
of
the
pandemic,
the
vegas
chamber
is
also
the
first
in
the
nation
to
provide
a
comprehensive
association
health
plan
again,
not
the
only
ones
to
do
that.
K
Thankfully,
our
friends
in
northern
nevada
and
reno
sparks
do
that
as
well.
We
also
have
an
association
retirement
plan.
These
are
things
that
our
members
and
non-members
alike
can
have
access
to,
and
the
reason
this
is
so
important,
as
you
all
know,
is
because
our
employers
need
to
have
important
benefits
to
provide
employees.
K
So
many
associations
and
organizations
in
the
country
do
not
have
the
ability
companies
do
not
have
the
ability
to
provide
affordable
health
plans
or
retirement
plans,
and
our
employees
deserve
benefits
like
that,
and
so
these
are
things
that
the
vegas
chamber
has
really
gone
above
and
beyond
to
to
really
make
sure
that
I
employ
our
employers.
Have
those
benefits,
we're
engaged
in
workforce
development
efforts
and
what's
really
important,
there
is
that
we're
engaged
in
upskilling
and
reskilling,
our
employees
so
that
they
can
be
connected
to
those
important
positions.
K
How
do
we
do
that
through
our
partnership
at
the
employ
nv
business
hub
with
workforce
connections?
So
these
are
just
a
few
of
the
things.
Of
course
we
provide
resources,
hr,
osha,
labor
guidance
and
and
advertising,
and
things
like
that
that
businesses
need
as
well
so
some
of
the
challenges.
That's
what
you're
really
here
to
hear
what
you
know.
What
are
the
challenges
that
that
our
businesses
are
are
saying
that
they're
talking
about,
of
course,
everybody's
talking
about
inflation,
the
global
condition
right
now,
I
think,
has
a
lot
of
people
really
nervous.
K
I
think
global
things
that
people
are
really
talking
about,
but
when
you
bring
it
back
home,
they're
really
looking
at
our
quality
education
system,
education
is
huge,
affordable
housing
came
up
yesterday
about
15
times,
and
I
think
that's
another
thing
where
people
you
know,
even
if
we're
able
to
upskill
and
reskill
and
get
our
employees
the
jobs
that
they
need
to
take
care
of
their
families,
they're
still
now
in
a
position
where
they
can
can't
even
afford
housing.
So
this
is
something
that
the
vegas
chamber
is
is
working
on.
K
Well,
that's
a
bit
of
a
newer
initiative
and
then,
of
course,
providing
those
educational
resources
opportunities
for
targeted
industry
growth.
You
know
one
of
the
things
that
we
recently
partnered
with
the
las
vegas
global
economic
alliance.
The
vegas
chamber
was
instrumental
in
putting
together
the
brand
new
workforce,
blueprint
3.0,
which
is
actually
not
even
out
yet,
but
we
can
get
you
all
a
copy
of
that
that
discusses
general
and
advanced
manufacturing,
business
and
financial
services.
K
The
top
really
emerging
industries
that
we're
seeing
here
in
southern
nevada
and
it's
important
that
we
understand
what
those
are
so
that
the
chambers
can
work
with
our
educational
systems
to
again
get
those
certificates
that
direct
director
kepharata
talked
about,
so
that
the
business
community
is
really
leading
the
way
on
having
our
companies
throughout
the
state
of
nevada
identify
what
are
their
needs.
And
then
we
connect
with
our
educational
systems.
K
K
K
This
is
in
response
to
the
three
billion
dollar
investing
in
america's
communities
initiative.
The
the
vegas
chamber
has
been
spearheading
and
convening
organizations
on
the
good
jobs
challenge.
That
is
a
grant
that
could
potentially
garner
up
to
27
million
dollars
for
southern
nevada.
But
the
best
news
about
this
is
that
we're
not
going
to
be
dependent
on
a
grant
whether
we
get
this
grant
or
not.
K
K
Restaurants,
of
course,
have
been
among
the
hardest
hit
again.
The
good
jobs
challenge
really
excited
about
this.
This
builds
on
that
2021,
comprehensive
economic
development
strategy
or
the
seds
we're
leading
the
efforts
to
secure
the
eda
funding
for
that
good
jobs
challenge
and
the
goal
really
is
to
just
get
people
back
to
work
by
strengthening
that
workforce
and
that
talent
pipeline.
One
of
the
big
things
that
we're
also
working
on
and
we've
talked
about
child
care
here
today.
This
is,
as
we
have
pulled,
our
members
and
non-members
alike
across
the
state.
K
They
are
telling
us
that,
of
course,
workforce
is
their
number
one
priority,
but
one
of
the
biggest
barriers
to
those
workers
going
back
to
their
jobs
is
child
care,
and
so,
over
the
last
three
months,
the
vegas
chamber,
partnered
with
clark
county
we've,
put
together
a
program
again
where
we're
giving
away
357
free
chamber
memberships
to
child
care
entities
to
give
them
the
resources
that
they
need
to
be
able
to
stay
in
business
so
that
our
workforce
has
a
good
quality.
Trusting
trusted
place
to
take
their
children,
and
so
we're
really
excited
about
that.
K
We've
already
signed
up
52
members,
child
care
members
across
the
state.
So
this
is
something
we're
really
excited
about,
they're
very
happy
to
have
these
resources.
They
would
never
be
able
to
have
these
resources.
Were
it
not
for
this
program
that
the
chamber
has
been
able
to
put
together
through
our
our
friends,
marilyn
kirkpatrick,
mainly
commissioner
kirkpatrick,
at
the
clark
county
clark
county.
K
So
these
are
just
a
few
of
the
things
and
again
these
are
all
in
response
to
to
you
know
what
our
members
call
us
and
say
hey:
these
are
the
things
that
we
need.
Workforce
continues
to
drive
our
efforts
right
now,
that's
our
primary
point
of
focus
at
the
vegas
chamber,
and
so
in
the
interest
of
time
and
out
of
respect
for
your
time.
I'll
keep
my
remarks
very
brief
and
happy
to
answer
any
questions.
If
you
have
any.
A
Thank
you
so
much
misty.
Well,
I
just
I
want
to
start
by
saying
thank
you.
I
actually
attended
two
of
the
virtual
meetings
with
joe
amato
just
so
that
I
could
gather
resources
to
then
share
with
my
district
and
those
were
some
of
the
most
helpful
informational
zoom
meetings.
D
Thank
you,
madam
chair.
How
are
you
doing
this
morning?
Excellent,
thank
you,
ma'am
good,
so
just
a
real,
quick
question,
because
this
has
come
up
from
to
me
in
a
form
of
email
from
several
of
my
constituents.
We
we
talk
about
child
care,
but
the
other
piece
of
that
is
at
the
end.
At
the
other
end
of
life
spectrum
elder
care,
some
people
are
caring
for
a
parent
or
grandparent
or
someone
in
their
family,
and
they
can't
go
back
to
work
because
they
don't
have
enough
for
full-time
nursing
care.
K
Yes,
we're
sort
of
calling
that
the
sandwich
generation,
where
they're
not
only
having
to
find
now
fi,
if
they're,
not
able
to
work
remotely
they're
having
to
find
child
care
and
elder
care,
so
the
the
elder
care
piece
of
that
is
something
that
is
next
on
the
agenda.
D
Great
point:
thank
you
ma'am
a
couple
of
sessions
ago.
I
believe
it
was
maybe
2019.
K
A
Okay
and
then
I
just
I
I'll
just
wrap
up
with
one
question
seaworld,
but
I
know
I
was
really
interested
in
like
kind
of
learning
more
about
the
challenges
for
nevada,
small
businesses,
because
obviously,
if
they're
facing
challenges
and
that
puts
that
jeopardy
jobs
right
for
our
constituents
and
the
more
small
businesses,
we
have
the
more
thriving
small
businesses.
We
have
the
more
jobs
that
are
created
in
our
in
our
area,
and
so
I
know
you
guys
said
you
were
focusing
on
on
workforce
and
then
affordable
housing
came
up
a
lot.
A
K
That's
a
great
question
and
we
are
currently
looking
at
all
of
the
initiatives
that
chambers
from
across
the
state
we
collaborate
with
urban,
latin
asian
and
so
forth,
and
I
think
there
will
be
some
workforce
legislation
that
we
could
perhaps
bring
forward
to
you
that
I
think,
because
a
lot
of
us
a
lot
of
times
we're
looking
at
trying
to
protect
our
employers
during
the
legislative
session
from
things
that
you
know
they
feel
like
are
onerous.
I
think
moving
forward
we're
looking.
K
What
we're
looking
to
do
is
identify
those
positive
legislative
efforts
that
we
could
potentially
look
at.
So
what
we're
looking
at
mostly
is
workforce
development
and
resources.
Our
employer,
employers
really
say
that
they
need
those
resources
to
be
able
to
stay
open
right
now.
So
not
only
are
they
looking
for
things
like
human
resources,
they're
still
looking
for
funding
as
well.
A
Okay.
Well,
thank
you.
I
appreciate
you
both
for
being
here
with
us
this
morning.
We
are
going
to
move
on
to
the
second
part
of
agenda
item
number:
seven,
which
is
agenda,
item
number,
7b,
the
reno
and
sparks
chamber
of
commerce,
and
we
have
ceo
and
silver
with
us
to
present.
I
C
To
introduce
ann
silver
to
you,
all
ann
is
the
ceo.
She
has
been
the
ceo
since
2016.
she's
got
a
great
track
record
great
history
around
the
state
she
graduated
with
a
bachelor
of
arts
from
cornell.
She
got
her
doctorate
of
law
from
the
university
of
notre
dame
prior
to
joining
the
chamber.
I
just
learned
this,
as
we
were
sitting
here
waiting
for
our
remarks.
She
was
appointed
by
both
governors
list
and
brian
to
head
up
dieter,
and
I
won't
tell
you
what
years
those
were
I'll.
C
Let
you
guys
figure
that
part
out
ann
was
actually
the
general
manager
of
radio
city
music
hall
in
new
york
on
the
business
side
of
things.
She
was
the
ceo
of
big
brothers,
big
sisters.
She
was
the
executive
executive
director
of
job
opportunities
in
nevada
and
she
previously
was
an
hr
consultant
to
sierra
nevada
college.
C
So
it's
been
enlightening
and
encouraging
today
for
me
to
watch
all
of
these
really
strong
women
presenting
all
of
this
all
the
issues
that
we
face
with
workforce,
and
so
it's
my
pleasure
to
turn
it
over
to
ann
silver.
I
Again,
thank
you.
My
name
is
ann
silver.
I
do
serve
as
the
ceo
of
the
reno
sparks
chamber
of
commerce
that
represents
2300
plus
members,
ranging
in
size
from
tesla
and
panasonic
to
smaller
businesses
that
employ
less
than
10
people.
Our
members
employ
over
a
hundred
and
ten
thousand
community
residents.
I
I
Yes,
many
small
businesses
received,
cares,
act,
funding
and
survived
closures.
They
abided
by
state
mandates,
conducted
curbside
commerce
and
performed
takeout
and
delivery.
Only
resilience,
determination
and
imagination
enabled
our
members
to
survive
the
pandemic
and
for
the
few
small
businesses
we've
seen
close
in
washoe
county
we've
seen
double-digit
growth
in
chamber
membership
each
month
as
retirees
women
veterans,
other
minorities
and
younger
individuals
strike
out
on
their
own
and
pursue
the
dream
of
opening
a
coffee
bar
distillery,
nail
salon
or
marketing
firm.
I
I
We
should
hit
the
pause
button,
take
a
look
at
the
infrastructure
demands
and
cities
designed
for
less
than
half
the
current
population
and,
at
the
same
time
require
companies
coming
to
nevada
to
build
workforce
housing.
Much
like
was
done
in
the
1940s
and
50s
by
general,
electric
and
ford
motor
company
in
the
east
and
midwest.
I
Tax
abatements
and
concessions
granted
at
the
state
level
have
benefited
the
larger
companies.
While
there
is
no
such
incentive
for
those
pers
pursuing
smaller,
pursuing
a
smaller
carbon
footprint,
fewer
employees
and
producing
the
goods
and
products,
we
all
need
and
purchase
every
single
day
in
our
communities.
I
The
width
of
services.
Statewide
is
wide.
The
deliverables
quite
elusive.
Our
chamber
recommends
a
comprehensive
audit
of
the
many
agencies
involved
in
workforce
development
efforts
and
a
true
accounting
of
the
use
of
millions
of
dollars.
We've
received
over
the
past
five
years
to
develop
individuals
for
careers,
not
just
jobs,
who
is
enrolled
in
the
statewide
federally
funded
training
programs,
how
many
complete
training
or
educational
certifications
and
what
is
the
starting
wage
upon
placement.
I
Most
importantly,
are
we
meeting
these
individuals
where
they
are
in
their
lives,
requiring
literacy
and
computer
skills,
accessible
training
locations
in
their
neighborhoods
and
case
management?
To
ensure
individuals
are
placed
in
jobs
with
progressive
career
opportunities
that
can
fulfill
middle
class
aspirations?
I
We
are
seeing
over
one
billion
per
month
in
revenue
from
visitors,
all
of
whom
rely
on
competent
front
desk
supervisors
and
managers,
technology
teams,
chefs
and
culinary
professionals,
security,
personnel
licensed
spa
and
salon.
Employees
trained
hoteliers,
housekeeping
supervisors,
bartenders
transportation,
drivers
and
more,
in
fact,
we're
completely
dependent
on
these
positions
that
can
make
or
break
our
our
economy,
along
with
every
hotel.
I
No
one
seems
to
favor
a
state
income,
tax,
property,
tax
reform
or
an
increase
in
the
sales
tax.
But
if
we're
to
educate,
train
and
create
careers
for
our
residents,
we
need
to
confront
the
urge
to
entice
company
companies
here
with
the
false
promises
of
qualified
personnel,
while
recognizing
the
heavy
lift
already
being
performed
by
thousands
of
nevadans
and
smaller
business
in
smaller
businesses,
whom
we
all
arrive,
rely
upon
to
maintain
the
vitality
of
our
communities.
I
A
Thank
you,
ms
silver
and
mr
clark
for
your
presentation.
I'm
going
to
go
to
vice
chair
first
for
questions
and
we'll
continue
down
here
in
southern
nevada
and
then
we'll
move
up
north.
D
So
just
a
real,
quick
question:
I
appreciate
you
bringing
on
the
elder
care
piece
because
I'm,
as
I
said
before,
I'm
getting
emails,
people
don't
have
children,
some
do
but
mostly
they're
trying
to
care
for
their
their
parents.
So
quick
question.
I
know
that
arpa
dollars,
depending
upon
what
bucket
they're
in
have
some
have
some
things
that
they
can
and
cannot
do.
There's
some
restraints.
D
Are
there
any
dollars
that
are
coming
down
the
pike
now
or
that
you
anticipate
to
come
that
might
offer
an
opportunity
to
work
with
local
governments
using
cdbgs
community
development,
block,
grant
funds
and
and
being
able
to
leverage
that
with
what
needs
to
happen
for
workforce
development?
That's
question
number
one.
I
Vice
chair
spearman,
yes,
I
am
aware
of
funding
that
could
in
fact
be
combined
and
help
leverage
the
issue
of
both
one
end
of
child
care
and
the
other
end
of
elder
care
and,
in
fact,
we're
in
conversations
with
the
city
of
reno,
the
city
of
sparks
in
washoe
county,
on
how
we
can
leverage
those
dollars
to
attend
to
those
issues.
D
The
next
question
would
be-
and
I
know,
there's
probably
a
greater
opportunity
here
because
of
nellis,
but
any
collaborations
with
some
of
the
military
institutions
that
are
up
north,
maybe
not
directly
in
renal
sparks
area,
but
some
in
some
other
surrounding
rural
areas,
with
the
with
the
advancement
of
force
reduction
in
the
military.
That
means
you
know
bringing
the
force
levels
down
with
that
advancement.
Many
of
the
jobs
have
been
turned
over
or
have
been
converted
to
civilians.
I
Thank
you
for
that
question.
Vice
chair.
Yes,
we
work
collaboratively
with
the
nevada
national
guard
based
right
in
reno,
and
we
do
in
fact
work
with
the
felon
evilness
naval
air
station.
Excuse
me
and
we
recognize
that
individuals
coming
out
of
the
military
are
an
important
resource
for
workforce
training.
In
fact,
as
mentioned
before,
they
bring
their
skills
and
leadership
and
business
acumen
to
the
to
the
workplace,
and
so
we
work
very
collaboratively
to
ensure
we
are
assisting.
D
Last
question:
so
with
respect
to
that,
are
there
any
programs
that
you
might
be
using
to
collaborate
with,
specifically
I'm
thinking
about
mining,
because
they've
had
a
couple
of
workshops
here
in
in
las
vegas
working
with
mining?
D
Not
if
not
mining
directly,
then
something
associated
with
mining,
to
entice
people
to
come
to
work
in
that
area,
and
I
think
director
caprara
mentioned
something
about
the
lithium
industry
and
I
know
that's
a
hot
button
topic.
I
understand
that,
but
I'm
just
trying
to
see
what
resources
we
have
available
and
what
can
be
used
to
mitigate
or
eliminate
those
the
worker
shortage,
on
the
one
hand,
and
to
my
colleagues
question
about
security,
how
that
might
help
people
get
more
financially
secure,
home,
secure
and
that
sort
of
thing.
I
Well,
thank
you
for
the
question
vice
chair,
as
mentioned
by
miss
sewalt
from
the
vegas
chamber,
the
reno
sparks
chamber
in
combination
with
some
other
agencies
also
have
applied
for
the
economic
development
grant
known
as
the
good
jobs
challenge
grant,
and
we
specifically
cite
mining
as
a
gr,
great
resource
for
employment,
with
the
average
wage
starting
at
sixty
thousand
dollars
per
year.
I
So
we're
very
interested
and
we've
partnered,
with
the
nevada
mining
association
to
focus
on
jobs
in
the
mining
industry
that
not
only
come
with
a
middle-class
wage
but
or
or
annual
compensation,
but
with
particular
benefits
and
on-site
child
care,
and
so
we're
extremely
hopeful.
We
get
some
or
all
of
the
money
we've
requested
so
that
we
can
continue
to
train
people
for
the
expansion
of
mining,
including
perhaps
lithium,
and
see
those
individuals
have
gainful
employment,
particularly
in
the
rural
communities,
where
mining
exists
as
one
of
the
only
viable
job
sectors.
A
Members
any
other
questions
no,
and
I
don't
think
we
have
any
questions
up
north
for
you,
and
I
just
I
have
one
and
just
it
was
something
that
I
flawed.
When
you
were
giving
your
presentation,
you
talked
a
little
bit
about
small
businesses
like
having
to
scale
back
on
outreach
like
on
recruiting
efforts,
because
they
just
don't
have
the
time
right.
So
I
mean
it
kind
of
sounds
like
one
problem
causing
the
same
problem
which
comes
first
right.
A
They
don't
have
the
time
they're
short
staffed,
which
is
causing
them
to
not
be
able
to
recruit
more
staff,
which
is
keeping
them
short
staffed.
But
I
mean:
are
there
resources
out
there
that
small
businesses
can
use
like
how
I
mean?
How
can
how
can
we
help
these
small
businesses?
It's
a
good
issue.
I
Right,
I
don't
think
it's
a
question
of
money
or
grant
or
funding
of
any
kind
you're
looking
at
a
kind
of
a
bermuda
triangle
of
issues
going
on
right
now
you
have
individuals
who
want
to
work,
but
child
care
is
more
expensive
than
the
money
they
might
bring
in
from
a
job.
So
there's
no
roi
in
them.
Returning
to
work
you're,
looking
at
small
business
owners
who
are
directly
cutting
the
lettuce
and
making
the
sandwiches
or
serving
the
drinks,
and
they
in
fact
do
not
have
internal
hr
professionals
who
can
help
them
do
outreach.
I
The
chamber
itself
has
hosted
three
large
job
fairs
at
the
reno
sparks
convention
and
visitors
authority,
and
that
was
very
helpful
to
our
small
members,
which
make
up
such
a
significant
portion
of
our
membership
and
they
were
able
to.
We
were
able
to
open
it
up,
free
of
charge
to
any
and
all
members
and
other
small
businesses,
even
if
they
weren't
members
of
our
chamber,
and
we
had
over
a
thousand
people
show
up,
and
we
thought
that
was
miraculous,
that
simply
by
offering
a
free
job
fair.
There
were
thousand
people
over.
I
At
the
same
time
that
small
businesses
are
competing
for
those
individuals
and
can
very
often
offer
much
a
much
more
focused
quality
of
life,
you
might
be
able
to
walk
to
work
ride.
I
Your
bike
to
work,
have
more
accommodation
from
your
employer,
find
nearby
child
care
where
you
can
drop
your
child
off,
and
so
to
answer
your
question,
I
I
think
the
chamber
is
doing
everything
it
can
to
align
its
members
with
all
the
various
resources
and
whether
it's
through
job
connect
and
we're
right
across
the
street
from
them
with
through
jeter
or
it's
through
our
own
resources,
our
own
web
page,
that
has
job
availabilities
posted
by
our
members,
we'll
we'll
stay
all
day
and
night.
I
If
we
need
to
to
help
people
find
jobs
and
very
often
people
just
drop
by
the
chamber,
I
kiddingly
always
say
that
most
people
don't
know
what
an
edon
or
an
rscba
is.
But
everybody
knows
what
a
chamber
of
commerce
is,
and
so
we
get
hundreds
of
calls
a
day
with
people
who
are
looking
for
work.
Looking
for
resources,
looking
for
child
care,
looking
for
affordable
housing
and
much
like
mary
beth
seawall
said,
the
chambers
withstood
the
pandemic.
We
were
open
every
single
day.
I
We
produced
a
briefing
every
single
day
that
advised
our
members
how
to
apply
for
loans,
how
to
get
ppp
equipment.
What
to
do?
We
didn't
miss
a
beat
throughout
the
throughout
the
pandemic,
and
I'm
not
here
representing
all
chambers,
but
much
like
my
colleague.
I
can
commend
the
30
chambers
in
nevada
for
doing
what
they
could
to
to
assist
every
single
one
of
their
members,
which
more
than
likely
was
a
small
member
in
need
of
advice
and
education
and
information.
D
Thank
you.
Here's
one
of
the
things
that
some
legislation
we
passed
last
session,
I
think,
was
20
50
by
30
with
respect
to
our
rps
renewable
energy
portfolio
standards.
So
so
there
appears
to
be
some
opportunities,
especially
in
the
north,
with
respect
to
geothermal,
yes-
and
I
know
that
dr
fold
at
unr
is
a
genius
at
that,
so
have
you
looked
at?
D
Have
you
looked
at
maybe
partnering,
with
some
of
the
academicians
on
trying
to
locate
where
that
is
and
seeing
how
that
can
be
expanded,
because
advanced
manufacturing
geo
is,
is
a
magnet
for
them.
So
so
looking
at
that
and
the
the
other
piece
of
that
would
be
looking
at
how
we
might
be
able
to
further
diversify
the
economy.
Energy
is
currency,
it's
not
just
you
know,
eternal
life,
but
it's
currency.
D
So
how
might
we
be
able
to
look
at
the
total
ecosystem
around
energy
and
see
how
we
might
be
able
to
collaborate
with
the
institutions
that
we
have
not
just
up
north
but
down
here
to
make
sure
that
all
of
that's
coming
together
and
we
use
we're
leveraging
every
resource
to
get
people
back
to
work?.
I
Thank
you
for
your
question.
Vice
chair,
yes,
the
reno
sparks
chamber
is
partnered
with
the
university
of
nevada,
reno,
the
desert
research
institute
and
in
our
good
jobs,
challenge
grant.
We
highlighted
a
solar
wind
journal,
geothermal
jobs
as
tremendous
prospects
for
the
average
individual.
Looking
for
a
job,
you
don't
have
to
be
an
engineer.
You
don't
have
to
have
completed
college
to
find
a
very
outstanding
job
in
the
clean
energy
renewable
energy
field.
That
is
right
in
our
backyard
and
certainly
we're
looking
at
that.
I
We
serve
on
several
committees
discussing
I'm,
for
instance,
I'm
on
the
governor's
multi-modal
transportation
committee,
the
city
of
reno's,
multimodal
transportation
committee,
sir.
I
served
on
the
governor's
energy
task
force,
we're
very
focused
on
the
jobs
that
are
occurring
right
now
and
will
occur
in
our
future
regarding
wind
and
solar
and
all
the
clean
energy
jobs,
whether
it's
in
public
transportation
operating
an
electric
bus,
we
need.
We
know
that
the
country
needs
700,
000
truck
drivers,
we'd
like
to
see
them
driving
electric
trucks.
I
So
we
were
very
much
focused
on
the
collaboration
and
the
kind
of
communication
we
can
provide
to
ensure
that
those
jobs
are
are
out
there
for
people
that
they
have
access
to
them,
that
they
don't
feel
intimidated
by
those
jobs,
they're
not
intimidated
by
the
lack
of
higher
education
as
a
prospect
to
enter
those
fields.
And
so
yes,
that's
very
much
on
our
radar
and
thank
you
for
raising
that
question.
A
C
You
thank
you
madame
jay.
This
is
tom
clark
for
the
record
and
I
appreciate
being
in
person
as
well.
It's
quite
nice
to
see
everybody
smiling
faces.
I
was
brought
on
to
the
chamber
team
in
february,
and
so
I
offer
myself
as
a
resource
as
you
move
forward
and
develop
your
build
draft
requests.
It's
interesting!
That
agenda
actually
says
what
do
we
need
for
a
lobbyist?
That's
words
of
gold
right
right
now.
What
we
need
is
just
further
collaboration
working
with
this
committee
working
with
the
other
chambers.
A
You,
mr
clark,
and
that
was
one
of
my
goals
with
this
interim
committee-
was
making
sure
everyone
knew
who
the
stakeholders
in
every
industry
were
and
getting
information
on
the
needs
of
every
industry.
Thank
you,
okay.
Members,
on
to
our
next
agenda
item.
It
is
agenda
item
number
eight,
which
is
an
overview
of
the
division
of
financial
institutions
from
the
department
of
business
and
industry.
A
As
you
recall,
senator
lang
suggested
the
committee
hear
more
about
banking,
this
interim,
and
so
we
have
invited
director,
terry
reynolds
from
the
department
of
business
and
industry
and
san
diego
laflin,
the
commissioner
of
the
financial
institutions,
division
at
bni
to
provide
an
overview
of
the
division
to
the
committee
that
will
include
its
duties,
the
division
licenses
and
supervises
depository
fiduciary
and
non-depository
financial
institutions,
mr
reynolds
and
mrs
laughlin,
when
you're
ready.
Please
begin.
F
Good
morning,
chair
hatagi
vice
chair,
spearman
and
committee
members,
terry
reynolds
was
flying
down
this
morning
and
I
believe
he's
delayed
because
he's
not
here,
but
he
really
wanted
to
be
here.
F
Thank
you
for
the
opportunity
to
present
a
brief
overview
of
the
financial
institutions.
Division.
I'm
sandia
lachlan,
commissioner,
and
with
me
to
assist
in
answering
the
questions.
Undoubtedly
you're
going
to
have
is
michael
smith,
the
examinations
manager.
F
Next
slide
does
it:
the
fid
is
a
division
within
business
and
industry.
We
license,
regulate
and
annually,
examine
just
over
1400
financial
institutions
and
license
without
examination,
approximately
a
thousand
individuals
making
our
division
responsible
for
over
2
400
licensees
under
13
statutes
with
full-time
staff
of
41
employees.
34
of
our
employees,
around
83
percent
are
focused
solely
on
examinations.
F
F
F
F
Besides
examinations,
the
division
is
responsible
for
processing
and
responding
to
written
consumer
complaints.
To
ensure
each
complaint
is
addressed,
timely
by
the
licensee.
If
needed,
we
ask
for
clarification
from
the
respondents,
including
supporting
documentation,
as
well
as
investigate
possible
violations
within
the
state
law.
F
F
As
indicated
on
this
slide,
we
are
our
current
licensed
types
and
associated
numbers
of
licensees,
the
fit
conducts
examinations
on
the
majority
of
our
licensees
annually,
for
compliance
with
the
state
and
federal
laws
and
regulations,
and
for
safety
and
soundness.
However,
due
to
the
rating
of
the
examination,
complexity
and
size
of
the
institution,
we
may
conduct
follow-up
examinations
throughout
the
year.
F
F
Most
notable
changes
are
to
our
fast
growing
retail
trust
companies,
taking
advantage
of
the
quickly
growing
cryptocurrency
space.
This
brings
new
challenges
to
the
vision
to
the
division,
not
only
for
understanding
the
intricate
business
plans,
but
also
in
understanding
the
complexity
and
risk
in
the
licensing
and
examination
process.
F
Recently,
we
have
also
grown
in
the
money
transmitter
applications.
This
is
mainly
due
to
the
advancement
of
virtual
currency.
This
increases
the
risk
and
complexity
at
the
time.
At
the
time
the
fed
spends
on
examinations,
fid
tries
to
join
other
states.
Examiners
around
the
country
around
the
country
in
examining
money,
transmitters,
so
more
focused,
detailed
and
risk-based
examinations
can
be
conducted.
F
A
You
and
before
I
turn
it
over
to
senator
lang
who
I
know
we'll
have
questions
for
you.
This
was
a
presentation
she
requested,
I'm
just
going
to
jump
in
and
ask
some
questions
that
I
think
just
for
knowledge,
which
will
probably
help
me
understand
senator
ling's
questions,
but
on
your
first
page
of
the
slide
missile
olaflin.
I
know
you
mentioned,
there's
14
about
1400
financial
institutions
and
then
a
thousand
individual
qualified
managers.
What
what
would
be
like
an
example
of
an
individual
qualified
manager?
Oh.
F
That
that
would
be
for
our
our
debt
collectors.
They
all
have
they're
required
to
have
a
qualified
manager
on.
F
A
A
And
then
for
the
fiduciary
institutions,
26
retail
trusts
and
35
hours,
could
you
give
me
an
example
of
what,
like
a
retail
trust
company
is
and
do
they
have?
Are
they
required
to
have
brick
and
mortar
buildings
here
or
just
a
license?.
C
Michael
smith,
for
the
record
for
your
tradition
or
your
retail
trust,
that's
more
your
traditional
trust
company
and
they
handle
things
like
well.
Wills,
trust,
administering
your
your
trust,
your
revocable
irrevocable
trust
documents,
and
they
they
offer
many
other
services
and
then
the
family
trust
companies
are
dedicated
more
to
one
wealthy
family,
which
kind
of
administers
their
investments
in-house.
J
Thank
you,
madam
chair.
So
just
a
little
bit
of
background
in
the
last
legislative
session
we
had
a
group
that
wanted
to
bring
their
some
of
their
business
here
for
the
iras
and
we
found
that
our
state
law
didn't
allow
that
to
happen,
and
we
had
changed
that
state
law.
So
it
got
me
to
looking
at
banking
and
we
haven't
made
changes
to
our
banking
regulations
for
a
really
really
long
time,
and
so
I
appreciate
chair
how
to
get
you
bringing
this
to
the
committee.
J
I've
been
meeting
with
quite
a
few
groups
for
the
last
six
months.
I
would
say
about
some
of
the
changes
that
we
need
to
have
here
in
nevada.
J
F
I
had
a
feeling
this
question
would
be
asked.
This
is
sandia
lochman
for
the
record
in
my
tenure,
which
has
only
been
two
years.
We
have
had
one
one
new
de
novo
bank
and
we
have
had
one
application
for
an
ilc
that
didn't
go
through.
That
was
2019,
I
believe,
and
that's
that's
all.
We
have
for
new.
J
And
why
why
would
you
say
that
we,
it
seems
like
we
should
have
more
people
that
want
to
come
here?
There's
lots
of
opportunity?
Why
would
you
say
that
we've
had
one
person
in
two
years.
F
F
So
if
we
say
we
can
have
a
bank
and
the
fdic
says
we
can't
have
a
bank,
we
will
not
have
a
bank,
but
we
work
together
and
we
partner
with
them
and
we
encourage
people
to
give
us
their
applications
first
so
that
we
can
go
through
it
and
and
make
sure
that
what
they
really
need
is
is
in
there.
It's
it's
very
intricate,
there's
a
lot
to
starting
a
bank
or
even
a
credit
union
as
well,
and
so,
if
they
give
us
a
chance
to
go
through
it
first
then
then
we
can.
F
J
Do
you
mind
if
I
keep
going
chair,
okay,
and
so
I
know
that
when
I
first
moved
to
nevada
many
years
ago
we
had
a
lot
of
community
banks,
and
I've
noticed
as
time
has
gone
on
the
community
banks
which
were
primarily
in
the
brown
and
black
neighborhoods,
have
gone
away.
Do
you
have
an
idea?
Why
that's
happening
and
do
you
have
many
people
come
to
you?
Well,
obviously,
not
many,
because
we've
had
one
bank
in
the
last
two
years,
but
do
you
have
interest
in
community
banks
and
is
are
the?
J
Is
it
too
difficult?
I
mean
what
are
the
barriers
that
have
stopped
us
from
having
community
banks.
F
Well,
san
diego
lachlan,
for
the
record
after
the
2008-2009
crisis,
a
lot
more
was
put
in
place
to
validate
what
what
banks
were
going
to
be
doing
right.
It
wasn't
not
that
it
was
ever
really
easy
to
start
a
bank,
but
it
is
a
little
more
difficult
now
they
do
a
lot.
F
They
go
by
a
lot
on
the
management
and
the
management
structure
and
years
of
experience,
and
it
there's
just
not
as
many
bankers
out
there
that
want
to
go
through
that
to
start
they
can
take
on
a
job
at
another
place.
It
takes
a
group
of
people
that
really
want
to
start
something
in
nevada.
To
start
it.
We
just.
F
I
went
and
looked
up
a
statistic
just
before
I
came
up
here
and
the
fdic
in
2020
only
had
15
de
novo
banks
in
the
whole
country
open
up
and
in
2019
they
had
nine
2018.
They
had
15..
We
had.
I
believe
I
looked
back
and
I
don't
know
if
this
is
the
exact
fact,
but
I
believe
in
2008
2009.
I
think
we
had
about
22
banks,
yeah
22,
23
banks.
F
J
Do
you
think
not
having
those
banks
in
communities
is
a
barrier
that
a
barrier
to
people
that
that
become
they
become
unbanked
because
they're
not
in
their
communities.
F
Yes,
san
diego
lachlan,
I
do
I
do.
I
think
it's
a
it's
a
it's
a
misnomer
and
same
thing
with
our
credit
unions.
They
are
more
consumer
driven
and
we
haven't
had
a
new
credit
union.
I
think
in
20
years
that
our
credit
unions
are
good
about
opening
branches,
though
in
the
areas
in
which
they
serve.
So
that's
that
that's
a
that's
a
good
thing.
J
And
then,
if
I
could
move
to
a
topic
that
maybe
some
people
on
this
panel
would
know
about,
but
the
opportunity,
funds
and
opportunity
funds
were
money
that
was
appropriated
by
the
legislature.
I
believe
for
my
minority
and
women-owned
businesses
to
be
able
to
access
money
and
during
the
recession
it
was
before
the
recession
and
at
the
recession
that
money
went
away
always
promising
to
be
put
back
in.
J
Is
there
any
conversation,
because
I
think
this
is
really
important
that
we
help
those
communities?
Is
there
any
conversation
about
from
your
department
about
replenishing
those
funds
and
starting
the
the
opportunity
loans
that
are
available
to
women
in
minority-owned
businesses.
F
Sandy,
oh
lachlan,
that
that
would
likely
be
coming
from
the
director's
office,
terry
reynolds,
my
boss,
and
he
has
so
many
divisions
underneath
him
if
they
were
working
on
something
like
that.
I
I
am
not
aware
of
it,
but
I'm
sure
if
there
is
something
he's
working
with
one
of
the
other
divisions.
Okay,.
A
Thank
you
senator
and
maybe
we'll
see
the
director.
Hopefully
his
flight
makes
sense
and
if
and
if
he
does
we'll
give
him
the
opportunity
to
to
answer
that,
do
we
have
any
questions
for
vice
chair.
D
Thank
you,
madam
chair,
so
I
have
just
a
real
quick
question.
Last
session
I
had
a
bill
senate
bill
145
that
dealt
with
the
community
reinvestment
act
and
they
were
supposed
to
be.
It
was
effective
upon
passage
and
approval,
so
there's
supposed
to
be
training
conducted
with
501,
c
3s
and
other
organizations
as
to
how
they
might
be
able
to
work
with
banks
on
their
cra
items.
D
Has
that
begun
and
if
so,
what
does
the
training
consist
of?
And
if
not
do
you
have
a
start
date
and
the
last
one
that's
a
test
after
this
okay,
the
last
one
would
be
this.
How
many
people
have
you
reached
out
to
in
the
501c3
era
and
that's
organizations,
that's
faith,
community,
etc,
because
I
think
some
of
that
may
help
with
what
my
colleague
senator
lang
is
talking
about.
So
can
just
go
over
where,
where
are
we
with
senate
bill
145.
F
Senate
bill
145,
sorry
sandy,
oh
lachlan,
senate
bill
145
went
through,
I
believe
it
was
october.
31St
was
was
the
start
date.
There
really
wasn't
sufficient
time
for
banks
to
do
training
by
the
time
we
had
to
do
our
first
reporting,
which
was,
I
think,
january
february,
of
2022
it's
every
other
year,
so
we
don't
have
much
on
the
training.
We
didn't
really
expect.
We'd
have
much
on
the
training
because
it
was
just
the
last
two
months
of
the
year.
We
did
have
the
reporting
and
we
did
submit
that
to
the
committee.
D
Thank
you
yeah,
and
so
it
was
my
understanding
when
we
worked
on
the
bill
that
it
wouldn't
the
training
wouldn't
be
accomplished.
You
know
right
after
the
31st,
but
at
least
some
plans
would
be
in
place
for
that
and
the
the
second
piece
of
that
was
making
sure
that
the
outreach
was
there
to
the
community
and
faith-based
organizations
so
that
they
would
understand
the
opportunities
to
work
with
banks
on
that
cra,
because
that
that
too
applies
to
their
credit
prior
to
the
rating
from
the
fdic
and
the.
D
I
guess,
the
the
last
part
of
that
would
be
posting
something
on
your
website
as
to
either
coming
soon.
This
is
going
to
be
available
or
if,
if
there
is
a
cra
rating
that
can
happen
so
does
that
make
sense
to
you
san.
F
Diego
lachlan,
we
do
post
the
ratings
on
our
website.
We
don't,
I
don't
think
it
required
that
we
post
the
trainings
just
the
ratings
and
we
have
posted
those
on
the
website
and
it
shows
whether
how
they
were
rated.
D
Yeah-
and
I
wasn't
speaking
about
the
the
training
per
se
on
the
website,
but
just
to
talk
about
a
little
bit
about
cra
so
that
people
understand
that
it's
coming
forward
and
and
if
you,
if
you're
not
doing
that,
have
you
do
you
have
an
outreach
plan
to
community
and
faith-based
organizations
to
tell
them
about
this
anything
from
email
to
you
know
word
of
mouth
or
something
like
that,
a
lot
of
times
the
best
some
of
the
best
places
to
do
that
are
in
religious
institutions,
because
a
lot
of
people
go
there
for
their
information.
F
I
believe
sandia
lachlan.
I
believe
that
I
believe
that
the
institutions
themselves,
the
banks
themselves,
were
reaching
out
to
those
organizations
in
order
to
provide
the
training
that
would
be
required.
There
was
a
little
confusion
on
what
the
training
actually
was,
but
it's
on
actual
what
what
cra
is
and
that's
a
little
difficult
process
to
understand.
I
mean
on
the
get-go
for
even
bankers,
never
mind
consumers
so
we're
relying
on
the
institutions
themselves
to
reach
out
to
those
communities.
A
Thank
you,
members,
okay!
Well,
thank
you,
mr
laflin.
We
appreciate
you
being
here
with
us
this
morning,
sundar
regards
to
director
reynolds
okay
members.
Our
next
agenda
item
is
agenda.
Item
number,
nine,
a
presentation
on
financial
literacy
reforms
and
safeguards
for
nevada's
senior
citizens.
We
have
president
and
ceo
of
the
nevada
bankers
association,
phyllis
kirkovich,
here
with
us
this
morning,
good
morning,
mr
govich,
how
are
you.
L
L
Okay,
well,
thank
you
for
your
patience
again.
My
name
is
phyllis
gurgovich.
I
am
president
and
ceo
of
nevada
bankers
association.
Thank
you
chair
for
having
me
thank
you.
Senator
lange
really
appreciate
you
pulling
in
this
attention
on
to
the
banking
industry,
and
the
topic
I
get
to
speak
on
is
financial
literacy
as
well
as
some
reforms
for
and
safeguards
for,
nevada's
senior
citizens.
L
I
wanted
to
start
with
a
real
quick
look
at
financial
literacy
in
general,
in
nevada
and
nevada
has
really
demonstrated
that
they
are
dedicated
to
financial
literacy
for
folks
living
here
in
nevada.
One
indication
of
that
dedication
is
that
our
students
in
the
nevada
school
system
will
receive
financial
literacy
training
throughout
their
career
or
throughout
their
school
school
years,
beginning
in
grade
three,
and
that's
thanks
to
championing
of
senator
woodhouse
the
support
of
many
of
you
and
many
of
our
legislators.
L
Additionally,
beyond
the
education
years,
nevada
developed
a
financial
literacy
advisory
council
and
that
council
works
to
make
sure
that
teachers
have
the
resources
they
need
for
implementing
those
education
requirements
and
they
don't
stop.
There
they've
dedicated
themselves
to
finding
education
resources
for
nevadans
of
all
ages.
Financial
literacy
is
something
that
that
stays
with
you
and
you
keep
learning
throughout
your
life
in
high
school.
You
may
be
concerned
about
paying
for
higher
education
or
your
next
step,
entering
the
independent
living
and
purchasing
an
automobile.
L
Then
you
move
into
purchase
purchasing
a
house,
and
each
of
these
takes
a
bit
of
financial
savvy
and
as
as
we
work
as
a
state
to
educate
our
folks,
we
also
want
to
be
cognizant
about
protecting
both
our
our
money
and
our
personal
identity.
So
that's
an
important
aspect
of
of
financial
literacy
is
that
that
role
of
fraud,
awareness
and
protection,
so
where
we
were
going
to
zoom
in
today
was
on
the
elderly
population.
L
When
it
comes
to
fraud
and
exploitation,
our
elder
population
is
at
the
greatest
risk.
There
are
a
couple
of
reasons
for
this
characteristically
the
aging
population,
older
folks,
are
more
polite,
more
trusting,
more
respectful
of
an
authority
additionally,
not
not
to
to
be
too
punny,
but
they're
they're
a
they're,
a
rich
target.
L
L
If
someone
is
exploited
or
becomes
a
victim
of
fraud,
an
elderly
person
reporting
that
to
the
authorities,
there's
there's
a
tougher
time
getting
really
good
details
in
order
to
investigate,
there's.
Also,
a
hesitancy
to
report
fear
from
the
elderly
person
how
their
family
members
will
react,
and
then
last
well,
not
last,
but
the
last
thing
I'll
touch
on
is
that
sometimes
folks
are
unaware
that
they've
been
a
victim
until
it's
far
too
late.
L
So
the
elder
population
is
a
growing
target
also
in
terms
of
there.
There
are
more.
We
have
a
larger
number
of
elderly
folks
each
year
and
our
our
criminals
and
our
fraudsters
they
use
both
fraud
and
exploitation
to
take
advantage
and
and
financially
harm
these
folks
fraud
being
the
tricksters,
the
the
scammers,
the
callers,
who
trick
you
into
actually
giving
your
valuables
away
and
exploitation
being
the
illegal
taking
typically
done
by
a
family
member
or
a
new
friend
or
stranger,
or
even
companies
that
set
up
that
are
not
legitimate
and
and
take
advantage.
L
L
When
you
see
a
red
flag,
it
requires
the
reporting
to
of
of
an
exploitation
of
suspected
exploitation
to
an
agency,
and
they
are
reported
to
either
the
aging
services
of
the
department
of
health,
to
the
police
or
sheriff
or
to
the
protective
services.
If
they're
available
in
that
county.
L
In
addition
to
reporting
the
institutions
have
an
obligation
to
train
all
of
their
employees
that
might
come
in
contact
or
approve
transactions
for
vulnerable
populations.
They
also
identify
a
lead
person
or
employee
or
team
of
employees
to
take
these
claims
and
to
work
with
law
enforcement
and
the
authorities.
L
So,
while
our
financial
institutions
and
our
our
bank
employees
are
grateful
to
be
helping
to
protect
the
elderly
oftentimes,
we
find
that
it
might
be
too
late.
So
it
can
prevent
further
transactions
and
it
can
prevent
further
exploitation
by
making
these
reports
and
having
the
authorities
investigate.
L
They
may
be
protected
for
future
transactions,
but
there's
a
loss
experienced.
So
when
senator
lang
started
talking
to
us
about
what
what
could
be
done.
What
could
are
there
further
abilities?
We
started
thinking
about
transaction
holds
and
in
our
research
we
found
out
that
there
are
38
states
that
allow
broker
broker
dealers
and
investment
advisors
to
put
a
transaction
hold
if
they
suspect
that
it's
an
exploitive
or
fraudulent
transaction
and
additionally,
in
recent
years,
12
states
have
either
already
are
in
the
process
of
allowing
retail
banking
institutions
to
have
that
transaction
hold.
L
As
well,
and
so
we
would,
let's
see
it
would
be
an
opportunity
to
put
a
pause
on
a
suspicious
transaction
rather
than
processing
the
transaction
and
reporting
it.
It's
the
ability
to
put
a
pause
button,
let
the
authorities
conduct
an
investigation
and
then
decide
should
that
transaction
move
forward
or
the
authority
then
can
be
granted
an
additional
hold
period.
L
So
the
key
provisions
are
different
from
state
to
state.
The
the
initial
transaction
hold
by
the
financial
institution
varies
between
five
and
ten
days
and
then
the
additional
hold
varies
between
15
and
20
more
days,
but
the
the
key
provisions
are
are
pretty
much
the
same.
They
we
we
already
have
the
reporting
that
would
remain
intact.
We
already
have
the
designation
of
of
lead
teams
at
the
financial
institution.
L
We
have
the
training
going
on.
We
have
the
protection
so
that
those
that
are
making
these
reports
don't
face
fit
civil
or
criminal
prosecution,
and
it
looks
like
we
would
have
an
opportunity
to
discuss
adding
that
transaction
hold.
In
certain
circumstances.
J
L
Phyllis
kirkovich
for
the
record,
the
the
banks
that
do
provide
financial
literacy
and
sources
do
have
multi-language
resources
available.
It
varies
by
institution
and
and
also
by.
There
are
a
lot
of
financial
literacy
agencies.
We've
got
junior
achievement
in
our
state
and
and
they
all
provide
a
variety
of
financial
literacy,
training,
resources
and
and
in
multiple
languages.
Yes,.
J
Thank
you
and
do
you
do
you
also
have
partnerships
with
the
you
mentioned
k-12,
but
I'm
wondering
about
higher
ed.
If
you
have
partnerships
with
higher
ed
to
be
able
to
do
financial
literacy,
training
for
them
as
well.
L
That's
a
great
question:
our
our
banking
association
doesn't
currently
our
the
relationships
we
do
have
with
higher
ed
are
for
workforce
development
and
actually
adding
layers
of
banking
programs,
so
that
folks
that
are
interested
can
get
into
the
in
it
get
into
as
a
career.
But
that's
a
great
point.
Thank
you.
A
Okay-
and
it
doesn't
look
like
we
have
any
other
questions,
but
I
just
do.
I
do
want
to
make
a
comment.
I
know
this
is
an
area
of
interest
for
senator
lane,
but
maybe
an
opportunity
for
a
committee
bill
as
well.
If
looking
at
what
the
ten
other
states
have
done
in
doing
the
transaction
holds
it,
the
timing
couldn't
be
more
perfect.
A
I
was
sitting
out
to
lunch
with
a
friend
who
got
a
call
from
his
mother-in-law,
who
has
been
diagnosed
with
early
onset,
alzheimer's
and
dementia,
and
she
had
just
received
a
call
from
somebody
saying
they
were
collecting
donations
for
a
police
department
and
then
immediately
and
gave
her
credit
card
information
and
bank
information
immediately
got
a
call
from
her
banking
institution
asking
if
she
had
made
almost
a
thousand
dollar
purchase
at
apple
and
then
a
thousand
dollar
purchase
at
walmart
right
after,
and
so
I
mean,
I
think
that
having
the
holes
is
something
that
could
protect,
protect
some
of
our
most
vulnerable
populations.
A
D
How
you
doing
miss
gregory's,
so
I
guess
my
question
would
be
you
know
the
literacy
classes
after
covet,
a
number
of
people
are
getting
back
into
the
workplace
and
I
got
an
email
from
someone
I
opened
it
this
morning
and
the
question
that
they
had
was
one
about
finances
and
I'm
going
to
say
they
were
probably
late,
30s
or
40s,
but
didn't
have
the
same
level
of
information
for
financial
literacy.
A
M
M
In
fact,
nearly
20
percent
of
all
americans
are
underbanked
in
2019,
the
fdic
conducted
a
survey
of
household
use
and
financial
services
and
found
nevada
to
have
the
highest
use
of
a
non-bank
credit
at
10.7
percent.
Many
estimates
suggest
the
percent
of
unbanked
and
underbanked
to
be
around
30
percent.
M
Many
of
these
services
are
used
by
lower
and
moderate
income
workers
because
they
suffer.
They
offer
advantages
that
traditional
banking
institutions
do
not.
Examples
include
payday
loans,
money
transfers,
refund
anticipation,
loans
and
non-bank
check.
Cashing
money
orders
are
the
most
frequently
used
alternative
financial
service.
M
Payday
loans
are
small,
short-term
loans
offered
to
individuals
who
can
prove
an
employment
history.
These
loans
are
quick
and
easy
to
get.
They
are
often
used
to
pay
outstanding
utility
bills
and
other
ordinary
living
expenses
such
as
rent
and
groceries.
Payday
loans
are
usually
offered
with
a
very
high
interest
rate,
which
can
lead
to
long-term
debt
for
borrowers
being
banked,
isn't
just
an
adjective.
M
M
It's
understandable
to
ask
the
question
why
people
are
and
remain
unbanked
if
using
alternative
financial
services
such
as
excuse
me,
if
using
alternative
financial
services
or
cash,
is
more
expensive
and
less
safe.
Why
would
someone
opt
to
remain
without
an
fdic
insured
account
at
a
reputable
financial
service
provider?
M
In
addition,
this
research
can
provide
insight
useful
to
financial
institutions,
financial
counselors
and
other
stakeholders
to
convince
people
of
the
benefits
of
banking.
The
research
revealed
a
number
of
important
findings
that
contradict
persist.
Persistent
myths
about
banking
access
to
highlight
some
of
the
false
conclusions
being
made.
Let's
dig
deeper
with
the
game
of
fact
versus
meth.
M
M
In
reality,
those
who
are
unbanked
respond
far
more
favorably
to
ways
in
which
a
bank
account
can
help
them
where
they
currently
are
to
establish
a
strong
financial
foundation
than
they
do
to
long-term
aspirational
goals
related
to
banking
access.
These
short-term
goals
specifically
include
building
savings,
decreasing
debt
and
building
an
emergency
fund.
M
M
In
surveys
and
focus
groups,
respondents
were
asked
about
their
financial
goals
and
how
they
related
to
having
a
bank
account.
Generally,
respondents
agreed
that
aspirational
long-term
goals
like
owning
a
home
or
starting
a
business
were
important
but
rated
short-term,
immediate
goals
like
improving
credit,
getting
out
of
debt
and
creating
an
emergency
fund
as
more
compelling.
M
Overall
respondents
indicated
that
it
was
important
to
establish
solid
financial
footholds
and
take
care
of
basic
financial
financial
needs.
First,
before
thinking
about
the
longer
term,
across
both
english
and
spanish
speakers,
respondents
highlighted
characteristics
like
fraud,
protection,
no
overdraft
fees,
no
minimum
balance
fees
and
the
ability
to
lock
a
stolen
debit
card
as
the
most
important
benefits.
M
Unbanked
people
wanted
to
feel
secure
that
once
their
money
is
in
an
account,
it
will
stay
there.
In
addition,
respondents
cited
access
to
a
debit
card
and
the
ability
to
automatically
deposit
a
paycheck
through
direct
deposit
as
important
benefits,
also
notable
are
the
least
compelling
benefits
of
having
a
bank
account
according
to
focus
groups
of
unbanked
people.
M
Okay,
so
now
we've
identified
the
important
products
and
services
communicated
by
the
market.
We
are
hoping
to
engage
and
we've
identified,
how
this
community
once
and
responds
to
possible
engagement
and
messaging,
but
this
really
doesn't
address
the
core
issue
of
why
people
remain
unbanked.
The
same
research
went
a
step
further
and
asked
individuals
why
they
did
not
have
a
bank
account
survey.
M
Respondents
cited
not
enough
money
to
keep
an
account
high
fees
and
lack
of
trust
about
banks,
as
reasons
for
not
having
an
account
most
of
those
who
had
a
bank
account
in
the
past
but
had
closed.
It
cited
fees
like
overdraft
and
minimum
balance
or
loss
of
direct
deposit
from
a
job
as
the
top
reasons
for
choosing
the
account
for
closing
the
account
focus.
M
So
now,
we've
peeled
back
some
of
the
underlying
reasons
why
people
are
and
will
remain,
unbanked
as
a
society.
We
know
that
having
a
large
percentage
of
banks
in
our
community
community
acts
as
a
drag
on
the
economy
in
a
number
of
ways,
one
way
is
by
hastening
the
reduction
of
disposable
income
for
those
without
much
of
a
cushion,
in
other
words,
without
the
exorbitant
fees
associated
with
alternative
financial
services
that
same
disposable
income
could
circulate
in
our
economy,
supporting
small
businesses,
job
creation,
educational
aspirations
and
household
investments.
M
The
biggest
reason
for
remaining
unbanked
may
stem,
at
least
in
part,
from
concerns
about
the
fees
associated
with
bank
accounts.
However,
the
cost
of
remaining
unbanked
generally
outweighs
the
cost
of
bank
fees,
but
the
fees
associated
with
alternative
financial
products
are
often
on
display,
even
if
they
not
are
not
completely
clear.
M
Compare
this
with
bank
fees,
while
the
information
on
monthly
maintenance
fees,
overdraft
fees,
minimum
balances
and
atm
fees
are
all
available
available
online,
which
assumes
the
potential
customer
has
good
internet
access.
Every
bank
website
pastes
this
information
in
a
different
spot,
making
it
more
difficult
to
determine
what
to
expect
from
any
specific
institution
or
account.
M
Go
for
the
alternative
financial
service,
so
you
know
what
you're
getting
into
couple:
the
disparity
in
pricing:
transparency
with
the
structural
barriers
to
opening
an
account
at
a
mainstream
bank
and
the
issue
compounds,
for
example,
in
areas
known
as
bank
deficits.
With
few
to
no
bank
branches
accessing
services
in
person
means
people
must
travel
out
of
their
neighborhoods,
which
is
costly
and
time
consuming.
Additionally,
bank
hours
can
make
it
hard
for
people
who
work
long
days
or
have
multiple
jobs
to
find
time
for
a
visit.
M
In
addition,
check
cashiers
who
know
their
customers
personally
may
be
able
to
exercise
more
discretion
than
bank
tellers
for
those
who
cannot
wait
for
a
check
to
clear
before
accessing
their
funds
or
understand
the
terms
of
a
bank
account.
It's
call.
It's
not
hard
to
understand
why
financial
management
via
alternative
financial
services
products
is
more
immediate
and
appealing
better
tailored
banking
products
could
reduce
the
fees
and
other
barriers
that
keep
these
communities
away
from
banks
and
pave
the
way
for
wealth
creation.
M
So
what
can
we
do?
The
ecosystem
of
financial
institutions
in
nevada
is
strong,
led
by
phyllis
gergovich,
president
of
the
nevada
bankers
association.
Several
financial
institutions
have
joined
the
bank
on
coalition
institutions
offering
bengal
and
certified
accounts
offer
benefits
such
as
no
account
minimums
no
overdraft
options,
no
nsf
fees,
monthly
fees,
less
than
ten
dollars
and
waived
with
our
direct
deposit.
M
These
efforts
can
be
supported
by
the
legislature
to
further
promote
the
benefits
of
the
bing
corn
products.
It's
one
thing
for
banks
to
offer
products
that
benefit
consumers,
but
it's
another
thing
to
find
ways
to
reach
the
target
market
in
a
manner
in
which
is
receptive
to
the
intended
audience
as
another
way
to
understand
how
to
best
convince
unbanked.
People
about
the
benefits
of
banking
in
research
recently
conducted
respondents
were
shown
one
of
two
versions
of
an
image
that
illustrated
the
bank
on
features.
M
Respondents
were
then
asked
to
evaluate
each
feature
across
its
appeal:
how
it
affected
their
intent
to
learn
more
and
how
it
affected
their
considerations
to
open
a
bank
account.
This
is
important
because
often
messaging
is
marketed
without
understanding
how
that
messaging
is
being
interpreted,
and
this
research
gives
us
some
insight
into
how
the
unbanked
perceived
the
potential
outreach
efforts
across
both
images.
No
surprise
fees
was
highest
rated
and
performed
much
better
than
low
cost.
M
M
Here's
an
example
of
mark
here's
an
example
of
marketing,
an
ad
utilizing
the
features
valued
by
the
unbanked
consumer
understanding
that
unbanked
consumers
prefer
messages
that
directly
counter
their
fear
of
fees.
This
ad
explicitly
highlights
no
overdraft
fees
period
through
fraud
that
drained
account
balances
or
through
unpredictable
overdraft
fees.
Losing
control
of
their
money
represents
a
critical
barrier
to
unbanked
people's
desire
to
open
a
bank
account.
M
Some
research
has
found
that,
while
unbanked
people
have
complicated
and
often
negative
attitude,
attitudes
towards
banks
compelling
messaging
can
indeed
move
them
towards
more
favorable
attitudes
and
increase
their
motivation
to
open
a
bank
account
specifically
messages
about
tools
for
easy
banking.
How
bank
accounts
can
help
maintain
control
over
their
money
and
how
bank
accounts
can
achieve
short-term
financial
goals
where
the
most
compelling
to
unbanked
people?
M
M
What
these
insights
suggest
is
that,
with
a
targeted
approach,
financial
institutions
could
design
new
products
within
services
or
utilize
existing
bank
on
standards,
along
with
more
effective
distribution
models
that
would
enable
them
to
reach
families
that
are
being
poorly
served
or
not
served
at
all.
The
solution
doesn't
just
rest
on
banks.
A
more
effective
approach
involves
the
entire
ecosystem.
M
Here's
an
outline
of
an
action
plan
that
could
be
used
to
address
this
issue
being
discussed.
The
nevada
bankers
association
can
select
two
to
four
banks
with
coverage
across
the
state
overlapping
with
the
most
unbanked
areas
of
the
state.
These
banks
would
offer
bank
on
certified
accounts.
These
banks
would
also
commit
to
marketing
bank
on
products
in
the
areas
in
which
the
unbanked
reside
marketing
would
be
in
grocery
stores
on
the
radio.
Exploring
alternative
distribution
channels
could
make
banking
products
and
services
easier
to
use.
M
This
might
mean
forming
partnerships
with
retailers,
restaurants
or
public
transit
transit
companies.
The
bankers
association
would
also
develop
an
all-encompassing,
yet
enriching
website,
describing
the
benefit
benefits
of
the
bancorn
accounts
with
clear
products,
pricing
and
links
to
open
an
account.
M
The
state
government
agencies
could
identify
employees
presently
using
check
cashing
services
for
payroll
and
utilize,
already
existing
databases
within
payroll
departments
to
encourage
conversion
of
employees
using
alternative
financial
services
to
bank
on
accounts.
The
state
can
market
bank
on
features
in
public
venues
and
locations
such
as
parks,
libraries
and
post
offices.
M
In
addition
to
mirroring
some
of
the
initiatives
proposed
at
the
state
level,
local
local
municipalities
can
help
stem
the
continuation
of
unbanked
from
one
generation
to
the
next
cities
and
counties
can
embed
financial
empowerment
into
summer
youth,
employment
programs.
They
can
leverage
the
infrastructure
of
summer
youth
employment
programs
to
offer
banking
access
and
offer
financial
empowerment
opportunities
effectively,
transforming
and
summer
a
summer
job
into
an
on-ramp
to
the
financial
mainstream.
M
Community
organizations
can
do
something
similar
working
with
summer
youth,
employment
programs.
Additionally,
I
see
the
slideshow
actually
was
a
little
bit
a
little
bit
switched
so
for
the
local
local
government.
Just
to
kind
of
reiterate,
they
can
mirror
some
of
the
initiatives
proposed
at
the
state
level
by
incorporating
by
incorporating
financial,
financial
empowerment
programs
into
the
summer
youth
employment
programs.
They
can
leverage
the
infrastructure
of
summer
youth,
employment
programs
by
offering
banking
access
and
other
financial
empowerment
opportunities
I'll
just
switch.
M
Employers,
large
employers
can
also
identify
employees
presently
using
check
cashing
services
for
payroll
and
utilize
payroll
departments
to
encourage
conversion
of
employees
using
alternative
financial
services
to
bank
on
accounts.
They
too
should
be
encouraged
to
convert
payroll
processing
from
issuing
checks
to
direct
deposit.
The
savings
would
flow
directly
to
their
bottom
line,
while
hoping
their
employees
regain
their
financial
foothold.
M
Lastly,
but
integrally
cdfis
such
as
access
community
capital
can
assist
in
coordinating
the
communication
and
implementation
of
the
program
goals
across
the
various
stakeholders.
We
can
facilitate
the
reporting
and
record
keeping
to
assess
the
success
of
the
program
further.
Our
involvement
can
act
as
the
voice
of
the
target
market
addressing
concerns
throughout
the
process
and
identifying
necessary
pivots
in
stravage
strategy.
This
concludes
today's
presentation.
M
A
J
Thank
you
for
this
presentation,
mr
steele.
I
can
tell
you
that
I
know
someone
on
this
program,
someone
who
was
young
and
made
lots
of
mistakes
and
never
thought
they'd
ever
be
able
to
bank
again
and
to
have
the
opportunity
to
bank
and
to
have
that
part
of
their
life
was
instrumental
and
to
not
only
just
having
that
opportunity,
but
feeling
successful
right.
So
I
really
like
this
and
I
will
talk
to
you
more
about
it
phyllis
and
look
forward
to
helping
this
move
on.
D
Thank
you,
madam
chair.
So
good
morning,
mr
steele
or.
D
D
Have
you
looked
ahead
to
say,
see
how
you
might
be
able
to
work
with
organizations
that
are
printed
presented
today?
Dieter
the
chambers,
that
sort
of
thing
as
as
more
people
began
to
enter
re-enter,
enter
or
re-enter
the
workforce.
D
This
could
probably
be
a
real
good
opportunity
to
assess
exactly
what
the
needs
are,
as
well
as
predict
what
the
trajectory
might
be
in
the
future,
based
based
upon
salaries,
mostly
jobs
that
are
coming
in
if
they
deal
with
energy
or
climate
change,
et
cetera,
they're
going
to
be
well
paying
jobs
and
for
people
who
have
not
had
that
much
money.
You
know
it's
like
my
dad
used
to
say
you
put
it
on
slides
now.
How
much
money
you
make
is
how
much
money
you
save.
M
As
always,
I
think
you
make
some
excellent
points
and
I
think,
as
we're
as
a
state
we're
attracting
more
and
more
employers
and
companies,
it's
important
to
think
about
how
that
relationship
filters
down
to
the
rest
of
the
community,
but
do
so
at
the
beginning
of
those
conversations,
and
so
in
some
of
the
conversations
earlier
earlier
today.
There
are
some
interesting
points
in
terms
of
how
to
work
with
employers
without
giving
away
the
vote
right.
M
We
and
we
can
actually
bring
employ
and
large
employers
to
the
state,
but
still
outline
some
requirements.
That
would
also
benefit
those
employers,
but
also,
more
importantly,
not
leave
behind
the
individuals
and
communities
in
the
state
in
which
that
we
would
be
consumers.
A
Thank
you
vice
chair
committee
members
and
seeing
no
questions
up
north,
mr
steele.
Thank
you
so
much
for
being
here
with
us.
I
mean
an
important
topic.
Something's
near
and
dear
to
my
heart.
I
worked
at
a
financial
guidance
center
where
one
of
the
things
we
did
was
work
with
the
unbanked
population
and
help
them
get
on
on
a
good
financial
course.
So
thank
you.
I
appreciate
you
being
here
for
the
work
that
you
do.
A
Okay
committee
members:
our
next
agenda
item
is
a
public
comment.
Agenda
item
number
11..
As
a
reminder,
we
ask
that
public
comment
be
kept
to
three
minutes
so
that
everyone
interested
in
speaking,
can
have
time
to
speak.
A
person
may
also
submit
public
comment
via
in
writing
by
mail
to
the
research
division
by
fax
or
email.
All
those
can
be
found
on
the
committee's
agenda.