BILL ANALYSIS                                                                                                                                                                                                    



                                                                     AB 1246
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          Date of Hearing:  May 12, 2009  

                           ASSEMBLY COMMITTEE ON JUDICIARY
                                  Mike Feuer, Chair
                      AB 1246 (Jones) - As Amended:  May 5, 2009

                    PROPOSED CONSENT (As Proposed to Be Amended)
           
          SUBJECT  :  HOUSING COOPERATIVE TRUST AND WORKFORCE HOUSING  
          COOPERATIVE TRUST

           KEY ISSUES  :  

          1)IN ORDER TO PROVIDE INCENTIVES FOR SPONSORS TO INVEST IN  
            AFFORDABLE WORKFORCE HOUSING PROJECTS, SHOULD EXISTING LAW BE  
            EXPANDED TO AUTHORIZE THE CREATION OF A NEW TYPE OF  
            COOPERATIVE HOUSING, THE "WORKFORCE HOUSING COOPERATIVE  
            TRUST"?

          2)IN ORDER TO PROVIDE TRANSPARENCY TO DISSOLUTIONS OF  
            COOPERATIVES THAT HAVE RECEIVED PUBLIC FUNDING, SHOULD  
            EXISTING LAW BE AMENDED TO REQUIRE THAT HOUSING COOPERATIVES  
            THAT RECEIVED PUBLIC SUBSIDIES CONDUCT THEIR DISSOLUTIONS IN A  
            PUBLIC ARENA?  

           FISCAL EFFECT  :  As currently in print this bill is keyed  
          non-fiscal.

                                      SYNOPSIS

          This bill expands existing law, developed over 30 years ago,  
          that authorizes limited-equity cooperative housing, by creating  
          new opportunities for low- and moderate-income workforce  
          housing.  Specifically, this bill authorizes the creation of a  
          new type of housing cooperative: the "workforce housing  
          cooperative trust."  This bill additionally provides that, in  
          the event that a housing cooperative must dissolve, if it has  
          received public subsidies, the dissolution must take place in a  
          public and transparent manner, including a hearing and notice to  
          other cooperatives in the state.  This bill is supported by  
          numerous housing cooperative groups and has no known opposition.  
           The bill was approved by a vote of 7-0 in the Assembly  
          Committee on Housing and Community Development on April 29,  









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          2009.  There is no known opposition to the measure.
           
           SUMMARY:  Authorizes a new type of housing cooperative, the  
          workforce housing cooperative trust; and establishes a public  
          process for housing cooperatives to dissolve.  Specifically,  
           this bill  : 

          1)Revises the definition of "limited-equity housing cooperative"  
            in the Subdivided Lands law (Business & Professions Code  
            section 11000 et seq.) to also apply to "housing cooperative  
            trust" and "workforce housing cooperative trust."

          2)Allows "housing cooperative trusts" and "workforce housing  
            cooperative trusts" to opt for the same exemptions as those  
            that are currently available to limited-equity housing  
            cooperatives.

          3)Adds the following to the conditions a limited-equity housing  
            cooperative, housing cooperative trust, or workforce housing  
            cooperative trust must comply with in order to be exempt from  
            the Subdivided Lands law:

             a)   The Federal Home Loan Bank System, one of its members,  
               or a school district finances or subsidizes at least 50% of  
               the total construction or development cost, or $100,000,  
               whichever is less; and 
             b)   The property occupied by the cooperative was sold or  
               leased by a state agency, city, county, or school district  
               for the development. 

          4)Permits a housing cooperative trust or workforce housing  
            cooperative trust that meets all of the exemption requirements  
            to elect to be subject to the Subdivided Lands law.

          5)Revises the definition of "limited-equity housing cooperative"  
            in the Community Redevelopment Law (Health & Safety Code  
            section 33000 et seq.) to apply to "housing cooperative trust"  
            and "workforce housing cooperative trust."

          6)Prohibits the articles of incorporation or the bylaws of a  
            limited-equity housing cooperative, housing cooperative trust,  
            or workforce housing cooperative trust, for the purpose of  
            returning the "transfer value" of a stock or membership  









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            interest in a trust from permitting the following:

             a)   A board of directors from returning the transfer value  
               either in full or in part to a member of the trust while he  
               or she still remains a member; and 
             b)   An existing member of the board of directors from  
               accepting return of his or her transfer value either in  
               full or in part. 

          7)Specifies that the accumulated interest used in calculating  
            the transfer value of a membership's share be "simple".

          8)Provides that, in any lawsuit against the board of directors  
            or the members for not complying with statutes that apply to a  
            limited-equity housing cooperative, housing cooperative trust,  
            or workforce housing cooperative trust, the plaintiff will be  
            awarded all attorneys fees and damages.

          9)Prohibits a limited-equity housing cooperative, housing  
            cooperative trust, or workforce housing cooperative trust that  
            uses public funds from using any corporate funds to avoid  
            complying with state law or to pursue dissolution if the  
            intent or outcome is for some or all of the members to occupy  
            their units upon dissolution. 

          10)   Prohibits members or the board of directors of a  
            limited-equity housing cooperative, housing cooperative trust,  
            or workforce housing cooperative trust from occupying units in  
            fee simple or as a rental once the trust has been dissolved.

          11)   Defines "workforce housing cooperative trust" as an  
            organization that meets the requirements of a limited-equity  
            housing cooperative in the Community Redevelopment Law (Health  
            & Safety Code section 33007.5) and complies with ALL of the  
            following:

             a)   Allows the governing board to be composed of two classes  
               of board members as follows:
               i)        One class is elected by the residents; and
               ii)          One class is appointed by sponsor  
                 organizations including employer and employee  
                 organizations, chambers of commerce, government entities,  
                 unions, religious organizations, nonprofit organization,  









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                 cooperative organizations, and other forms of  
                 organizations.
             b)   Requires resident members to elect a majority of the  
               board members;
             c)   Allows sponsor organizations to appoint up to one less  
               than a majority of the board members; 
             d)   Requires the numerical composition and class of the  
               sponsor and resident board members to be set in the  
               articles of incorporation and in the bylaws;
             e)   Requires the charter board of a workforce housing  
               cooperative trust to be made up only of sponsor board  
               members who will remain in place for the first three years  
               after the first resident occupancy;
             f)   Requires resident members to elect a majority of the  
               board members after three years of occupancy; 
             g)   Prohibits the removal of the appointees of a sponsor  
               organization except for cause;
             h)   Allows for the issuance of separate classes of shares to  
               sponsor organizations that will be known as "workforce  
               housing shares" and may receive a rate of return of no more  
               than 10% simple interest pursuant to the articles of  
               incorporation or bylaws;  
             i)   Provides a sponsor organization of a workforce housing  
               cooperative trust is entitled to perfect a security  
               interest in a cooperative interest or in sponsor shares it  
               has funded;
             j)   Requires the affirmative vote of at least a majority of  
               the resident-owner members of the shareholders and a  
               majority of each class of board members to amend the bylaws  
               and articles of incorporation;
             aa)   Provides the rights of the sponsor board members or the  
               sponsor may not be changed without the affirmative vote of  
               two-thirds of the sponsor board members;
             bb)   Provides that members of the board of directors shall  
               only be removed for cause;
             cc)   Provides that a workforce housing cooperative trust  
               shall be entitled to operate at multiple locations in order  
               to sponsor limited-equity housing cooperatives;
             dd)   Provides that a workforce housing cooperative trust may  
               either own or lease land for the purpose of developing a  
               limited-equity housing cooperative; and
             ee)   Allows a workforce housing cooperative trust to be  
               created when at least 51% of the occupied units in a  









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               multifamily property that is foreclosed support efforts to  
               buy the building or property. 

          12)   Establishes the following procedure for dissolving a  
            limited-equity housing cooperative, housing cooperative trust,  
            or workforce housing cooperative trust:

             a)   Requires a public hearing conducted by the county in  
               which the limited-equity housing cooperative, housing  
               cooperative trust, or workforce housing cooperative trust  
               is located and paid for by the cooperative or trust that is  
               dissolving;
             b)   Requires the county to provide notice to all interested  
               parties at least 120 days prior to the date of the hearing;  
                
             c)   Requires the notice to be mailed first-class, postage  
               prepaid, to all limited-equity housing cooperatives and  
               cooperative development organizations in the state in an  
               effort to create a merger with an existing limited-equity  
               housing cooperative;
             d)   Requires, to the extent possible, that any merger of a  
               dissolving cooperative or trust be with the geographically  
               closest cooperative or trust;
             e)   Provides that if a dissolving cooperative or trust does  
               not merge with an existing cooperative or trust, both of  
               the following must occur:
               i)        The public hearing process must ensure that any  
                 dissolution plan is free of private inurement and meets  
                 the requirements of state and federal law; and 
               ii)          Any dissolved housing units held by the trust  
                 or cooperative are made available through a public  
                 lottery supervised by the county in which the cooperative  
                 or trust is located.  
             f)   Provides that any sponsor organization of a workforce  
               housing cooperative trust has the legal standing of a  
               member unless it revokes its sponsorship in writing;
             g)   Provides in any action taken against a board of  
               directors and its members based upon a breach of corporate  
               or fiduciary duties or a failure to comply with statutes  
               that apply to cooperatives or trusts, the prevailing party  
               will be awarded compensatory and punitive damages and  
               attorneys fees. 
           









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          EXISTING LAW  :

          1)Defines a "limited-equity housing cooperative" as a  
            corporation organized on a cooperative basis that meets ALL of  
            the following criteria (a through e):

             a)   The corporation is ANY of the following:
               i)     Organized as a nonprofit public benefit corporation;  

               ii)    Holds title to real property as the beneficiary of a  
                 trust providing for distribution for public or charitable  
                 purpose upon termination of the trust;
               iii)   Holds a title to real property subject to conditions  
                 that will result in reversion to a public or charitable  
                 entity upon dissolution of the corporation;
               iv)          Holds a leasehold interest, of at least 20  
                 years duration conditioned on the corporation's continued  
                 qualification as a limited-equity cooperative and  
                 providing for reversion to a public entity or a  
                 charitable corporation;
             b)   Its articles of incorporation or bylaws require that the  
               purchase price and sale of the stock or membership interest  
               of the resident owners is no more than the "transfer value"  
               as determined by the bylaws and must not exceed the  
               aggregate of the following:  
               i)        The amount paid for the membership or shares by  
                 the first occupant of the unit involved, as shown in the  
                 books of the corporation;  
               ii)          The value of any improvements as determined by  
                  the board of directors installed at the expense of the  
                 member with prior approval of the board of directors; and  

               iii)         The accumulated interest or inflation  
                 allowance at a rate, which may be based on a  
                 cost-of-living index, an income index, or market-interest  
                 index, but shall not exceed a 10% annual increase on the  
                 membership share by the first occupant of the unit. 
             c)   Its articles of incorporation or bylaws require the  
               board of directors to sell the stock or membership interest  
               to a new member or resident shareholder at a price that  
               does not exceed the "transfer value" as described above;
             d)   Its "corporate equity," defined as the excess of the  
               current fair market value of the corporation's real  









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               property over the sum of the current transfer values of all  
               shares or membership interests, reduced by the principal  
               balance of the outstanding encumbrances upon the corporate  
               real property, is applied as follows:
               i)        The corporate equity must not be distributed to  
                 members if any encumbrances remain outstanding except for  
                 the following purposes and only as authorized by the  
                 board of directors as provided by the limitations of the  
                 articles of incorporation or bylaws: 
                  (1)          for the benefit of the corporation or  
                    improvement of the property;
                  (2)          for the corporation to acquire additional  
                    property; and  
                  (3)          for public benefit or charitable purposes. 
               ii)          Requires upon the sale of the property,  
                 dissolution of the corporation, termination of the trust  
                 or reverse of the title to the real property the  
                 "corporate equity" is required by the articles, bylaws,  
                 or trust or title to be paid out, or the title to the  
                 property transferred, subject to any encumbrances and  
                 liens for the transfer value or membership interest, to  
                 use for the public or charitable purpose. 
             e)   Amendment of the bylaws and articles of incorporation  
               requires an affirmative vote of at least two-thirds of the  
               resident-owners members or shareholders.  (Health & Safety  
               Code section 33007.5).  

          2)Provides that a limited-equity housing cooperative is exempt  
            from the Subdivided Lands law (Business & Professions Code  
            section 11000 et seq.) if the cooperative complies with ALL of  
            the following conditions:

             a)   A public entity (as specified) directly finances or  
               subsidizes at least 50% of the total construction or  
               development cost, or $100,000, whichever is less, of the  
               limited-equity housing cooperative, or the real property on  
               which the limited-equity housing cooperative will be  
               located was sold by the Department of Transportation (or  
               other state agency or school district) for the development  
               of a limited-equity housing cooperative and has a  
               regulatory agreement approved by the Department of Housing  
               and Community Development (HCD) for the term of the  
               permanent financing;









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             b)   No more than 20% of the total development cost of a  
               limited-equity mobilehome park and no more than 10% of the  
               total development cost of other limited-equity housing  
               cooperatives is provided by the members;  
             c)   A regulatory agreement for at least the term of the  
               permanent financing or subsidy is duly executed between the  
               recipients of the financing and either a federal or state  
               agency as specified or a local public agency providing the  
               financing under a regulatory agreement that meets HCD's  
               standards and that provides at least all of the following:
               i)        Assurances for completion of the common areas and  
                 facilities to be owned or leased by the limited-equity  
                 housing cooperative are in writing unless a construction  
                 agreement contains these assurances;
               ii)          Governing instruments for the organization and  
                 operation of the cooperative by its members;
               iii)         There is on going fiscal management of the  
                 cooperative;
               iv)          Membership information is distributed to any  
                 perspective purchaser prior to purchase;
             d)   The federal, state or local public agency that executes  
               a regulatory agreement must be satisfied with the governing  
               documents of a limited-equity housing cooperative and other  
               agreements as specified; and
             e)   Any federal or state agency that is providing a subsidy  
               to the limited-equity housing cooperative must receive a  
               legal opinion that the cooperative meets all the exemption  
               requirements.  (Business & Professions Code section  
               11003.4(b).)

          3)Permits a limited-equity cooperative that meets all the  
            exemptions to choose to comply with the Subdivided Lands law  
            (Business & Professions Code section 11000 et seq.).   
            (Business & Professions Code section 1103.4(c).)

          4)Requires the developer of the cooperative, if claiming an  
            exemption to the Subdivided Lands law, to notify Department of  
            Real Estate (DRE) on a form provided by DRE and which DRE will  
            keep for four years.  (Business & Profession Code section  
            11003.4(d).)
           
          COMMENTS  :  The author states, "This non-controversial bill  
          expands current law to create new opportunities for low- and  









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          moderate-income workforce housing."  This bill is intended to  
          address two overriding interests.  First, this bill will provide  
          clarity to sponsors and members of workforce housing cooperative  
          trusts and housing cooperative trusts.  By providing clarity to  
          sponsors as to their legal rights in such cooperative trusts,  
          sponsors will be encouraged to provide funding that is essential  
          for these affordable housing cooperatives.  Second, this bill  
          will require transparency when cooperatives that have received  
          public funding are being dissolved.  Existing law allows  
          limited-equity housing cooperatives to dissolve in the same  
          manner as a private corporation, even when they have received  
          public funds.  This bill would instead require cooperatives that  
          were funded in part by public subsidies to conduct their  
          dissolution process in a more public fashion, through a public  
          hearing, providing notice to other cooperatives, and allowing a  
          public lottery for dissolved units. 

           Background  .  A "limited-equity housing cooperative"  
          (cooperative) is a corporation that is organized as a nonprofit  
          public benefit corporation, and that holds title to real  
          property for the benefit of a trust.  Cooperatives are made up  
          of members who own stock in the corporation.  Cooperatives  
          usually receive public financing from a federal, state, or local  
          public agency.  The public financing comes with a regulatory  
          agreement.  The regulatory agreement must at the least provide  
          the following assurances: for the completion of the common area,  
          that the cooperative have governing documents, that there is  
          ongoing fiscal management of  the cooperative, and that  
          prospective members receive all specified disclosures.  If a  
          cooperative meets certain requirements, such as that 50% of the  
          total construction is financed by a public agency, then DRE can  
          grant it an exemption from the Subdivided Lands law (Business &  
          Professions Code section 11000 et seq.). 
           
          Members of a cooperative receive a variety of benefits,  
          including personal income tax deductions, lower turnover rates,  
          lower real estate tax assessments (in some areas), controlled  
          maintenance costs, and resident participation and control.   
          Rather than making a mortgage payment each month, each member  
          pays his or her share of the total operating costs of the  
          corporation.  By design, the transfer value of an owner's  
          membership in the cooperative is limited in order to keep the  
          housing affordable.  The transfer value of a membership must be  









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          defined in the articles of incorporation or bylaws of the  
          cooperative and are further limited by state law.  The transfer  
          value of a member's share is the aggregate of the amount the  
          first occupant paid for the share, the value of any improvements  
          made by the member (and that were approved by the board of  
          directors) to the share, and the accumulated interest on the  
          share (not to exceed a 10% annual increase on the amount  
          originally paid for the share).  

           Purpose of this bill  .  According to the author, the existing law  
          authorizing limited-equity housing cooperatives was created 30  
          years ago, but since then the demand for affordable and  
          conveniently located housing has changed.  Existing law has also  
          not kept up with changes in public and private finance  
          opportunities in the marketplace for limited-equity housing  
          cooperatives.  The supply of entry-level affordable housing is  
          far below demand for low- to moderate-income working  
          Californians.  The U.S. Department of Housing and Urban  
          Development (HUD) reports that 12 million renter and homeowner  
          households pay more than 50% of their annual income for housing.  
           
            
          More than 1.2 million families of all income levels live in  
          homes owned and operated through cooperative associations.   
          Cooperative members own a share in a corporation that owns or  
                                                       controls the buildings and or property in which they live.  Each  
          shareholder is entitled to occupy a specific unit and has a vote  
          in the corporation.  Every month, shareholders pay an amount  
          that covers their proportionate share of the expenses of  
          operating the entire cooperative, which typically includes  
          underlying mortgage payments, property taxes, management,  
          maintenance, insurance, utilities, and contributions to reserve  
          funds.  

          Housing cooperatives can be townhouses, apartments,  
          single-family homes, student housing, senior housing, or  
          mobilehome parks.  Limited-equity cooperatives limit the resale  
          value of   shares and are generally targeted at low- and  
          moderate-income people whose income is 80% to 120% of the area's  
          median income.  The purposes of the limited-equity cooperative  
          structure are: to prevent speculation, encourage long-term  
          residency, and preserve the affordable character of the  
          cooperative for future residents. 









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          By providing clarity to sponsors who help to fund workforce  
          housing cooperatives, this bill will encourage investment in  
          affordable housing that is lacking and in great demand in  
          California.  

           Workforce housing cooperative  .  AB 1246 would authorize a new  
          type of cooperative housing, the "workforce housing trust."  A  
          sponsor group, most likely an employer or employee group, would  
          be authorized to bring equity, fund or lease land, and  
          permanently protect the assets of the affordable housing units  
          that will meet workers' needs.  According to the sponsor, under  
          one possible scenario, "A company, city or school district has  
          or obtains land and leases it to the cooperative for 99 years.   
          The cooperative builds a multifamily community on site.  The  
          leasing entity then reserves the right for its employees to have  
          a priority on the waiting list for all or at least some of the  
          units.  Initially, the leasing entity could have first  
          preference given its own employees and make any remaining units  
          available to the public."  Under another potential scenario,  
          "Either a single entity or a group, employers, unions or public  
          agencies could jointly sponsor a workforce housing cooperative.   
          Each single entity could agree to sponsor a set number of units  
          in a cooperative.  For example, each entity could pledge $20,000  
          to sponsor a unit for which it retains reservation rights for  
          its own employees or union members.  If the sponsor lacks  
          employees or union members to fill, the unit, the cooperative  
          could fill it from a waiting list.  When a unit turns over, the  
          sponsor who had not taken their share of sponsor units could be  
          given first priority on the waiting list.  Sponsors also could  
          provide their employees or union members with the $5,000 down  
          payment."

          This bill proposes to distinguish a workforce housing trust from  
          a limited-equity housing cooperative by the membership of the  
          corporation.  As proposed, the governing board of the workforce  
          housing cooperative would be made up of two classes of sponsors.  
           One class would be elected by the residents.  The other class  
          would be made up of the sponsor organization, which could be an  
          employer, union, religious organization, government entity, or  
          nonprofit organization.  The board members elected by the  
          sponsor organization would only be appointed for three years,  
          after which the residents would elect a majority of the members.  









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           In order to amend the bylaws, both a majority vote of the  
          resident-members of the cooperative and a majority of the  
          sponsor organization would be needed.  

          According to the sponsor, Associated Cooperatives, Inc.,  
          workforce housing cooperatives offer the following advantages,  
          including the following:
            
          1)They are easier to move into and out of;
          2)A waitlist of buyers alleviates the expense of marketing empty  
            units;
          3)Employees can transfer from one unit to another easily as  
            family size changes;
          4)Workforce employees get to enter for the first time into a  
            form of home ownership;
          5)Down payments are low, and there are no closing costs and  
            minimal paperwork;
          6)Residents need not qualify for a mortgage, only for paying  
            monthly charges;
          7)The units are maintained by the cooperative;
          8)Cooperative homes becomes less expensive over time relative to  
            the home sale market;
          9)Cooperative homes provide the same tax benefits as  
            conventional home ownership;
          10)   Cooperatives need only one subsidy for the life of the  
            unit-once subsidized, the cooperative is affordable forever  
            without further subsidy; and
          11)   The savings in a cooperative unit always stay in town;

           "Limited-equity housing cooperative" vs. "housing cooperative  
          trust"  .  The sponsor states that the addition of the term  
          "housing cooperative trust" to the existing law will allow  
          members of limited-equity housing cooperatives some flexibility  
          in the terms that they use to describe their entities.  This is  
          to be distinguished from the "workforce housing cooperative  
          trust" described above, which is in fact a different type of  
          housing cooperative trust (and must meet both the definition of  
          a limited-equity housing cooperative as well as additional  
          criteria, as specified above).  All three types of  
          entities-limited-equity housing cooperatives, housing  
          cooperative trusts, and workforce housing cooperative  
          trusts-would be subject to the same exemptions from the  
          Subdivided Lands law, and to the same dissolution requirements,  









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          if they received public subsidies.  A workforce housing  
          cooperative trust is different, however, because it would be  
          defined using additional criteria, including:  allows its  
          governing board to be composed of two classes of board members  
          (one class elected by the residents, one class appointed by  
          sponsor organizations), requires resident members to elect a  
          majority of the board members, protecting the rights of sponsor  
          board members, and so forth.  (See point (11) under discussion  
          of the provisions of this bill, at page 3 above.)
           
          Dissolving a limited-equity housing cooperative  .  Existing law  
          specifies that the corporate equity of a limited-equity housing  
          cooperative may not be distributed to the members, except to  
          make improvements to the property, to acquire more property, or  
          for public benefit or charitable purposes.  Any distribution  
          must be approved by the board of directors and is subject to any  
          limitations included in the bylaws.  Existing law specifies that  
          if the property is sold or the corporation is dissolved, the  
          corporate equity minus the transfer value of the membership  
          interest or shares must be used for public or charitable  
          purposes.  

          Under existing law, in order to dissolve a nonprofit  
          corporation, a majority of the directors in office must sign a  
          certificate of dissolution and file it with the Attorney  
          General's (AG) Office.  The statement must verify that the  
          corporation has been completely wound up, all known debts and  
          liabilities have actually been paid or adequately provided for,  
          all known assets have been distributed to the persons entitled  
          to them, and the corporation is dissolved.  Prior to filing a  
          certificate of dissolution with the AG's Office a non-profit  
          corporation must also file a certificate of satisfaction with  
          the Franchise Tax Board verifying that all taxes have been paid  
          or secured.  

          AB 1246 would establish a new procedure for dissolving a  
          limited-equity housing cooperative, workforce housing  
          cooperative, or housing cooperative.  The procedure would  
          require a public hearing conducted by the county in which the  
          cooperative is located, and paid for by the dissolving  
          cooperative.  The county would be required to notify all  
          interested parties, including all other limited-equity housing  
          cooperatives and limited-equity cooperative organizations in the  









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          state who might be interested in merging with the dissolving  
          cooperative.  If the dissolving cooperative does not merge with  
          an existing cooperative, any dissolving units held by the  
          cooperative must be made available to the public by a lottery  
          supervised by the county.  

          The rationale behind a public dissolution process is that  
          cooperatives are created for public benefit and are usually  
          financed using public funds, therefore there should be a public  
          process and more oversight for their dissolution.  Additionally,  
          this process would eliminate the potential for the equity in the  
          cooperative to be disproportionately transferred to particular  
          members of the cooperative as a result of dissolution.  

           ARGUMENTS IN SUPPORT  :  Supporter California Center for  
          Cooperative Development (CCCD) states, "This initiative will  
          expand home ownership opportunities for workgroups like  
          teachers, firefighters, and others whose incomes significantly  
          limit their ability to purchase a home.  Communities and the  
          environment will benefit because it will encourage retention of  
          valuable employees and allow the employees to reside in their  
          community of employment."  CCCD further states, "The cooperative  
          housing in this bill has important provisions that retain the  
          affordability for subsequent buyers and assure that the  
          development created is owner occupied.  These aspects assure  
          [that] the development will remain true to its intended  
          purpose."

          Supporter National Cooperative Business Association (NCBA)  
          represents 29,000 U.S. cooperatives and their 120 million  
          members, from all sectors of the economy, including agriculture,  
          housing, bioenergy, credit, electric, and purchasing.  NCBA  
          states, "There is a great need in California for affordable  
          housing and AB 1246 will give people more tools to find  
          community solutions to the housing challenge.  This legislation  
          is a model for other States that are concerned about providing  
          housing for their citizens.  Housing cooperatives are a great  
          model for people helping themselves and building communities  
          that can provide a wide variety of services."

          Supporter Nehemiah Community Reinvestment Fund (NCRF) states,  
          "The more ownership tools Californian's [sic] have in this  
          economic climate, the more opportunities we have to help people  









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          with their housing needs?. California limited equity housing  
          cooperatives have an excellent record of offering low-wealth  
          families, indeed all families, with an alternative form of  
          homeownership for many types of dwellings including single  
          family homes, multi-family housing and mobile home parks."
           
           EARLIER CONCERNS BY OPPOSITION APPEAR TO BE ADDRESSED IN RECENT  
          HOUSING COMMITTEE AMENDMENTS:  Walnut House Cooperative (WHC), a  
          limited-equity housing cooperative, had earlier opposed a prior  
          version of the bill because it specified that the interest  
          computation on the transfer value of a share must be based on a  
          simple interest computation.  WHC's bylaws apparently require  
          WHC to do their computation based on compound interest, and WHC  
          did not want to be forced to amend their bylaws.  The author  
          addressed this concern by amending the bill to allow  
          cooperatives to use compound interest if specified in their  
          bylaws.

          WHC also had expressed concern about the prior dissolution  
          procedure in the bill because WHC worried that members have  
          certain rights if a limited-equity housing cooperatives  
          dissolves and the bill might have inadvertently taken away those  
          rights and imposed some new duties.  WHC recommended that the  
          dissolution procedure only apply to newly formed cooperatives.   
          The author also addressed this concern by WHC by deleting the  
          retroactivity provision from the bill, so the requirements only  
          apply to newly formed cooperatives.

           Author's Amendment  :  To address a final concern raised  
          previously by WHC, the author is proposing that the bill be  
          amended in Committee to apply the public hearing requirements  
          only to cooperatives that have received public subsidies.
           
          Related Legislation  :  AB 33 (Nava) 2009: Abolishes the position  
          of Real Estate Commissioner and replaces it with the Financial  
          Services Commissioner.  This Commissioner would be responsibly  
          for enforcement of the statutes relating to limited-equity  
          housing cooperatives.  Currently in the Assembly Appropriations  
          Committee.
           
           AB 2052 (Haynes) 2006: California New Market Venture Capital  
          Program Act.  Declared the intent of the Legislature to  
          facilitate free market growth in low-income neighborhoods and  









                                                                     AB 1246
                                                                      Page 16  
           
          close inter-generational wealth gaps among economically  
          disadvantaged groups, by creating jobs, growing small  
          businesses, building affordable housing, and revitalizing  
          low-income neighborhoods.  Died in Assembly Comm. on Jobs,  
          Economic Development, & Economy.

          AB 2511 (Jones), Chapter 888 of 2006: Land use: Housing.  Made a  
          number of changes to state law to promote the development of  
          affordable housing and prevent delays in processing applications  
          for development projects that include a housing element.  
           
           SB 619 (Ducheny), Chapter 793 of 2003: Housing.  Made several  
          changes to laws related to the development of affordable housing  
          by seeking to streamline the housing approval process and to  
          authorize awards of attorney's fees and costs to prevailing  
          parties in actions against local governments for alleged failure  
          to comply with affordable housing requirements.  Prohibited  
          discrimination against multifamily housing in zones designated  
          for multifamily housing.  Specified required procedures by the  
          Department of Housing and Community Development; required  
          multifamily residential housing to be permitted on any parcel  
          zoned for multifamily housing if specifications are met;  
          clarified the term and requirements of "mixed use" land; and  
          clarified the criteria for awarding and administering CalHome  
          funds.  
           
          AB 369 (Dutra), Chapter 237 of 2001:  Affordable housing  
          development projects:  Attorney's fees.  Authorized a court,  
          when it finds that a local agency disapproved or conditioned a  
          project rendering it infeasible for the development of housing  
          for very low-, low-, or moderate-income households without  
          making findings supporting its decision as required, to award  
          attorney's fees and costs of suit, except under extraordinary  
          circumstances where the court finds that awarding fees would not  
          further the purposes of the statute.  
           
           AB 2786 (Bates):  Escheated funds:  Affordable housing for  
          elderly persons.  Would have required that all unclaimed money,  
          including unclaimed money from a deceased person's estate that  
          is currently escheated to the state, be instead deposited in the  
          Housing Rehabilitation Loan Fund.  The fund would have been used  
          for the construction, rehabilitation, or acquisition and  
          rehabilitation of multifamily rental housing developments for  









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          elderly persons or households.  Status:  Vetoed.  

          REGISTERED SUPPORT/OPPOSITION :  
           
           Support
           
          Associated Cooperatives, Inc. (sponsor)
          Burbank Housing Development Corporation, Santa Rosa
          California Center for Cooperative Development, Davis
          City of Sacramento
          Mogavero Notestine Associates, Architects and Planners,  
          Sacramento
          National Cooperative Business Association 
          Nehemiah Community Reinvestment Fund, Inc.
          One individual, Pasadena
           
          Opposition 

           None on file

           Analysis Prepared by  :  Drew Liebert and Rachel Anderson / JUD. /  
          (916) 319-2334