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Tag Archives: CFPB

Off the Deep End: The Wall Street Bonus Pool and Low-Wage Workers

28 Saturday Mar 2015

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

≈ 1 Comment

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The financial industry’s 2014 bonuses were double the combined earnings of all Americans who work full-time at the federal minimum wage.

BY SARAH ANDERSON, MARCH 11, 2015.
Businessman with a briefcase full of moneyWall Street banks handed out $28.5 billion in bonuses to their 167,800 employees last year, up 3 percent over 2013, according to new figures from the New York State Comptroller. These annual bonuses are an extra reward on top of base salaries in the securities industry, which averaged$190,970 in 2013.

To put these figures in perspective, we’ve compared the Wall Street payout to low-wage workers’ earnings. We’ve also calculated how much more of a national economic boost would be gained if similar sums were funneled into the pockets of the millions of workers on the bottom end of the pay scale.

For full sources and methodology, download the full report [PDF].

Wall Street Bonuses v. Minimum Wage Earners

The $28.5 billion in bonuses doled out to Wall Street employees is double the annual pay for all 1,007,000 Americans who work full-time at the current federal minimum wage of $7.25 per hour. Wall Street bonuses rose 3 percent last year, despite a 4.5 percent decline in industry profits. The size of the bonus pool was 27% higher than in 2009, the last time Congress increased the minimum wage.

Wall-Street-Bonuses-Double-Earnings

Wall Street Bonuses v. Low-Wage Service Workers 

Wall Street’s bonus culture, we learned from the 2008 financial industry meltdown, creates an incentive for high-risk behaviors that endanger the entire economy. A large share of low-wage earners, on the other hand, spend every workday meeting basic human needs, such as providing food services and taking care of the disabled and elderly.

Low-wage workers in many sectors have united around a call for “one fair wage” of a minimum of $15 per hour. A few cities, including Seattle and San Francisco, have already adopted $15 minimum wages. While this is more than double the current federal minimum wage of $7.25, the size of the Wall Street bonus pool puts these figures in perspective.

The bonus pool is so large it would be far more than enough to lift all 2.9 million restaurant servers and bartenders, all 1.5 million home health and personal care aides, or all 2.2 million fast food preparation and serving workers up to $15 per hour.

Chart: Wall St bonus pool is so large it would be enough to lift millions of low-wage workers to $15/hr

Wage Increases Would Create Bigger Bang for the National Buck

Wall Street bonus season may coincide with an uptick in luxury goods sales, but a raise in the minimum wage would give America’s economy a much greater boost. To meet basic needs, low-wage workers tend to spend nearly every dollar they make. The wealthy can afford to squirrel away more of their earnings.

All those dollars low-wage workers spend create an economic ripple effect. Based on standard fiscal multipliers established by Moody’s Analytics, every extra dollar going into the pockets of a high-income American only adds about $0.39 to the GDP. By contrast, every extra dollar going into the pockets of low-wage workers adds about $1.21 to the national economy.

These pennies add up considerably on $28.5 billion in earnings. If the $28.5 billion Wall Streeters pulled in on bonuses in 2014 had gone to minimum wage workers instead, our GDP would have grown by about $34.5 billion, over triple the $11.1 billion boost expected from the Wall Street bonuses.

Chart: Minimum wage increase would give economy a bigger boost

Wall Street Bonus Reform is Long Overdue

While workers’ wages stagnate, the Wall Street bonus culture is flourishing—in part because of regulatory foot-dragging. Nearly five years after the Dodd-Frank financial reform was signed into law, regulators have still not implemented Section 956 of that law, which prohibits financial industry pay packages that encourage “inappropriate risks.”

The proposal regulators released in 2011 ignores key lessons from the last half-dozen years of financial scandals. It would only apply pay restrictions to top executives, leaving off the hook traders and other employees whose activities could put the financial system at risk. The only specific pay restriction relates to the timing of bonuses. Bankers would have to wait three years to collect half of their annual bonuses, which doesn’t amount to much of a disincentive to short-term recklessness.

The European Union now limits bonuses for key bank staff to no more than 100% of their base salaries, or up to 200% with shareholders’ approval. Americans for Financial Reform has put forward detailed proposals for strengthening the proposed U.S. regulation.

For full sources and methodology, download the full report [PDF].

Report infographic:

Off the Deep End Infographic

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Debt collectors harass Americans even after they have lost their homes to banks

17 Monday Nov 2014

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

≈ 2 Comments

Tags

AIG, Bailout, Bank of America, Bear Stearns, BearStearns, Budget, CFPB, Citigroup, Collapse, Congress, Countrywide, Court, Credit Default Swaps, Criminal, Crisis, Derivatives, EMC, Fannie Mae, FDCPA, Federal Reserve, Foreclosure Crisis, Foreclosure Fraud, Foreclosure Mill, Foreclosure Prevention, Foreclosure Review, FreddieMac, Goldman Sachs, Hamp, HOEPA, Home Affordable Modification Program, Homeowners, Housing Advocates, HSBC, JP Morgan, Lehman Brothers, MERS, Mortgage, Note, RESPA, Robo Signer, Securitization, TILA, Title Insurance, UCC, Wells Fargo

Reuters – Michelle Conlin

NEW YORK, (Reuters) – Many thousands of Americans who lost their homes in the housing bust, but have since begun to rebuild their finances, are suddenly facing a new foreclosure nightmare: debt collectors are chasing them down for the money they still owe by freezing their bank accounts, garnishing their wages and seizing their assets.

Dept. of common sense

By now, banks have usually sold the houses. But the proceeds of those sales were often not enough to cover the amount of the loan, plus penalties, legal bills and fees. The two big government-controlled housing finance companies, Fannie Mae and Freddie Mac, as well as other mortgage players, are increasingly pressing borrowers to pay whatever they still owe on mortgages they defaulted on years ago.

Using a legal tool known as a “deficiency judgment,” lenders can ensure that borrowers are haunted by these zombie-like debts for years, and sometimes decades, to come. Before the housing bubble, banks often refrained from seeking deficiency judgments, which were seen as costly and an invitation for bad publicity. Some of the biggest banks still feel that way.

But the housing crisis saddled lenders with more than $1 trillion of foreclosed loans, leading to unprecedented losses. Now, at least some large lenders want their money back, and they figure it’s the perfect time to pursue borrowers: many of those who went through foreclosure have gotten new jobs, paid off old debts and even, in some cases, bought new homes.

“Just because they don’t have the money to pay the entire mortgage, doesn’t mean they don’t have enough for a deficiency judgment,” said Florida foreclosure defense attorney Michael Wayslik.

Advocates for the banks say that the former homeowners ought to pay what they owe. Consumer advocates counter that deficiency judgments blast those who have just recovered from financial collapse back into debt – and that the banks bear culpability because they made the unsustainable loans in the first place.

“SLAPPED TO THE FLOOR”

Borrowers are usually astonished to find out they still owe thousands of dollars on homes they haven’t thought about for years. In 2008, bank teller Danell Huthsing broke up with her boyfriend and moved out of the concrete bungalow they shared in Jacksonville, Florida. Her name was on the mortgage even after she moved out, and when her boyfriend defaulted on the loan, her name was on the foreclosure papers, too.

She moved to St. Louis, Missouri, where she managed to amass $20,000 of savings and restore her previously stellar credit score in her job as a service worker at an Amtrak station.

But on July 5, a process server showed up on her doorstep with a lawsuit demanding $91,000 for the portion of her mortgage that was still unpaid after the home was foreclosed and sold. If she loses, the debt collector that filed the suit can freeze her bank account, garnish up to 25 percent of her wages, and seize her paid-off 2005 Honda Accord.

“For seven years you think you’re good to go, that you’ve put this behind you,” said Huthsing, who cleared her savings out of the bank and stowed the money in a safe to protect it from getting seized. “Then wham, you get slapped to the floor again.”

Bankruptcy is one way out for consumers in this rub. But it has serious drawbacks: it can trash a consumer’s credit report for up to ten years, making it difficult to get credit cards, car loans or home financing. Oftentimes, borrowers will instead go on a repayment plan or simply settle the suits – without questioning the filings or hiring a lawyer – in exchange for paying a lower amount.

Though court officials and attorneys in foreclosure-ravaged regions like Florida, Ohio and Illinois all say the cases are surging, no one keeps official tabs on the number nationally. “Statistically, this is a real difficult task to get a handle on,” said Geoff Walsh, an attorney with the National Consumer Law Center.

Link to full story here

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Virginia drops JPMorgan from mortgage securities fraud lawsuit

15 Wednesday Oct 2014

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

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Tags

AIG, Bailout, Bear Stearns, CFPB, Collapse, Congress, Consumer Financial Protection Bureau, Court, Credit Default Swaps, Criminal, Crisis, Derivatives, EMC, Fannie Mae, FDCPA, Federal Reserve, Foreclosure, Foreclosure Crisis, Foreclosure Fraud, Foreclosure Mill, Foreclosure Prevention, Foreclosure Review, Fraud, Freddie Mac

By Danielle Douglas-Gabriel
Sept. 22, 2014
Full link here

Virginia Attorney General Mark R. Herring (D) on Monday dropped JPMorgan Chase from a mortgage securities lawsuit against the country’s biggest banks, after learning that his predecessor Ken Cuccinelli (R) had already struck a “confidential” settlement with the bank.

JP Morgan

The decision comes a week after Herring announced a $1.15 billion lawsuit against 13 of the country’s biggest banks for misleading a state retirement fund about the quality of bonds made up of residential mortgages.

JPMorgan and its Washington Mutual subsidiary were named in the suit, along with Citigroup and Bank of America, for packaging faulty home loans into securities sold to the Virginia Retirement System (VRS).

jpMorgan-pic2-224x300

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

*What the story does not tell you is that in order to obtain 90 x 1 leverage the same securities were sold many Many times over to retirement funds, pensions AND securities investors. See here for more info: https://tawebster.wordpress.com/2010/11/22/what-is-jp-morgan-chase/ for more info.

*A better explanation of the reason for the lawsuit.
http://stellionata.com/in-the-news/8935-virginia-sues-13-banks-for-1-15b-alleging-rmbs-fraud-national-mortgage-news

*Why it is important to understand documentation and possible deficiencies.
http://livinglies.wordpress.com/2014/10/15/breakdown-of-the-robo-signing-scandal-settlement-another-elephant-in-the-living-room/

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Bank Of America Settlement Looks Impressive But Maybe Its Time To Take One Of These Cases To Trial

23 Saturday Aug 2014

Posted by RealPropertyExpertFL in stop GOVT waste

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Tags

Bailout, Bank of America, CFPB, Consumer Financial Protection Bureau, Countrywide, Credit Default Swaps, Derivatives, Fannie Mae, FDCPA, Federal Pre-Default Provisions, Federal Reserve, Foreclosure, Foreclosure Crisis, Foreclosure Fraud, Foreclosure Review, FreddieMac, MERS, MERS Corp., Note Mortgage, Notice of Breach, Notice of Default, Real Estate, Real Estate Law, RESPA, Robo Signer, Securitization, Short Sale, State Court Technology Division, TILA, Title Insurance, Unsecured Creditor

August 21, 2014 by dannlaw

I should be excited about the nearly $17 Billion Settlement agreement between Bank of America and the U.S. Department of Justice announced yesterday. I am happy for our clients here in Ohio facing foreclosure because according to initial press reports, the agreement, like previous agreements with Citibank ($7 Billion) and Chase ($13 Billion)

boa_whistleblower

 Anyone facing difficulty paying their Bank of America, Countrywide or America’s Wholesale Lender originated mortgage or who is in foreclosure currently, even though those companies are no longer involved as an investor or servicer of their loan should wait if possible until this new settlement agreement takes hold to see if there is an opportunity to negotiate a better outcome. If this agreement is anything like the National Mortgage Settlement it may require persistence and the assistance of a lawyer to access the benefits that the government has negotiated for you in this settlement.

 

My guess is that as in prior settlements DOJ left too much discretion in the hands of the Defendant in the case Bank of America to pick and choose who they will help.

 

But despite the good news, I have some serious concerns about these settlements. These pacts are about the origination and securitization of hundreds of thousand of fraudulent and unsuitable mortgages to American Consumers and their sale to unsuspecting investors throughout the world that nearly caused the collapse of the US economy in 2008. The illegal and possibly criminal conduct of these bad actors left millions of Americans financially insecure, caused a depression of the housing market that continues to this day and have cost investors and homeowners billions of their hard earned dollars.

 

What disturbs me the most is that theses settlements have been reached before a lawsuit was filed against the banks. If a complaint laying out the government’s case against Chase, and Citi and BOA had been filed before settlement, the public and future generations would have had a chance to see the unfiltered findings about the conduct of these bad actors by the Department of Justice and 50 State Attorneys General who participated in the settlement. If any of these cases had actually gone to trial, whether the government had won or lost, the adversary process would have revealed a much more realistic picture of what actually happened between 2001 and 2008 that caused the apocalyptic collapse in 2008.

 

For the agreements to come to fruition, a formal complaint and consent judgment entry will have to be filed but that complaint will be carefully drafted with the consent of Bank of America. Just as the complaints and agreements in the Chase and Citi cases were drafted jointly by lawyers for the DOJ and those banks. Historians, legal scholars and future market participants trying to determine the parameters of proper conduct will be left without the guidance that a contested trial, judgment and decision of a court of appeals could provide to how such market participants acted to incur such massive liability and how they should act in the future to avoid causing such pain and hardship to future consumers and investors. The New York Times addressed this risk of the Bank of America Settlement and other settlement on the eve of yesterday’s announcements.

 

In defending individual homeowners in foreclosure, bringing claims under state and federal consumer protection laws and civil tort claims we are taking cases to trial in Ohio every day setting standards for everything for who has standing to enforce a note and mortgage to what kind evidence a lender is required to proffer to establish a default on a mortgage or compliance with federal regulations that govern the enforcement of FHA or VA loans. These trials, decisions and appeals will provide a chronicle of the abuses of the past and a roadmap for proper conduct for mortgage lenders for the future.

 

We should expect no less from the United States Department of Justice and the State Attorney General Partners.

 

Marc Dann

 

mdann@dannlaw.com

 

877-475-8100

 

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Nightmarish mortgage debacle alleged against bank by homeowner

03 Monday Feb 2014

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

≈ 1 Comment

Tags

Breach of Contract, CFPB, Changing the Terms of Settlement Agreement, Consumer Financial Protection Bureau, Damaging the Credit of the Plaintiff, Interference with Business Opportunity, Using the Incorrect Contact Information for Vital Mail and Service

February 1, 2014 12:01 AM
By KYLE BARNETT

BofA

GRETNA – A homeowner who restructured his mortgage claims that the mortgage company repeatedly sent important mail to the wrong address that led to the repeated underpayment of the mortgage and eventually to the bank hiring a collection company to recoup $4,000.

Mark J. Boudreau filed suit against Bank of America NA and Seterus Inc. in the 24th Judicial District Court on Jan. 21.

Boudreau alleges that in his negotiations with the Bank of America in restructuring his mortgage the bank repeatedly sent important documentation to an address in Youngsville when in fact he was actually living at 729 Huckleberry Lane in Terrytown. He claims he notified the bank of such on at least five occasions. The plaintiff asserts that one such piece of mail came after he had arrived at a settlement with the bank for a monthly payment and interest of $928.45 plus a monthly escrow payment of $431.66. Boudreau claims that as the settlement was being reached the piece of mail delivered to the wrong address increased the required escrow payment to $647.17.

The plaintiff alleges over the next several months he paid what he thought was the agreed upon amount, but received a notice from Seterus Inc., a collection agency, that he owed $4,000 due to his payments being lower than what was required. Boudreau asserts that Seterus Inc. was operating under false information provided to them by Bank of America concerning the mortgage payment required. After extensive negotiations and disputing the alleged debt Boudreau filed a complaint with the Consumer Financial Protection Bureau against Bank of America and Seterus Inc.

The defendant is accused of changing the terms of settlement agreement after they had already been established and using the incorrect contact information for vital mail that should have been provided.

An unspecified amount in damages is sought for mental anguish and distress, damaging the credit of the plaintiff and interference with business opportunity.

Boudreau is representing himself in the case pro se.

The case has been assigned to Division F Judge Michael P. Mentz.

Case no. 734-786.

Breach of Contract, changing the terms of settlement agreement, Consumer Financial Protection Bureau,damaging the credit of the plaintiff, interference with business opportunity, Seterus Inc., using the incorrect contact information for vital mail.

 

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  • Lehman to Pay $2.4 Billion out of Bankrupt Estate
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  • Fla 4th DCA Slams Door on “another Ditech loan” in foreclosure claims
  • Tonight — Silent Roles of Fannie Mae and Freddie Mac — Hiding Behind the Obtuse
  • Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability
  • Adverse Possession vs Cancellation of Instrument and Quiet Title
  • Oregon Strikes Down Hearsay Part of Affidavit
  • Why Void Assignments are Void Not Voidable
  • Discovery in Foreclosure Actions
  • Tonight 6pm EDT: The New Industry of Fabrication and Theft of Loans
  • Why Borrowers Have the Right to Rescind under the Truth In Lending Act
  • Securitization and Standing
  • ZeroHedge: It’s Subprime Time! 2008 Part Deux-Coming to a Market near You!
  • Wells Fargo “Lending” Securities It Didn’t Own
  • TILA RESCISSION: The war is NOT over contrary to bank disinformation

RSS Comments

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  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by ANON
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  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by nadianasrawi
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  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by Ian
  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by Ian
  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by Ian
  • Comment on Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability by Poppy
  • Comment on SEC “Cease & Desist” Reveals Deception – Wilmington Savings Fund Society, FSB as Trustee / “Transfer Agent” Was Acting On Behalf Of Unknown Investors by Faye Skelton
  • Comment on Why Void Assignments are Void Not Voidable by stanbsch
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  • Comment on Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability by CementBoots

RSS Mario Kenny

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RSS NYT Robosigning

  • Four Senators Seek Longer Foreclosure Delay in Puerto Rico
  • The Next Crisis for Puerto Rico: A Crush of Foreclosures
  • HUD Ignored Procedures in Selling Distressed Mortgages, Report Says
  • Don’t Let Detroit’s Revival Rest on an Injustice
  • Jared Kushner’s Beleaguered Tenants
  • After Complaints, Fannie Mae Will Stop Selling Homes to Vision Property
  • Housing Regulator Is Pushed to Crack Down on Sales of Foreclosed Properties
  • In Flint, Overdue Bills for Unsafe Water Could Lead to Foreclosures
  • Cincinnati Sues Seller of Foreclosed Homes, Claiming Predatory Behavior
  • Fighting Eviction, a Gardener Turns to Organic Industry Giants for Help
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RSS SEC Litigation

  • Sohrab ("Sam") Sharma, et al.
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  • Amrit J. S. Chahal
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  • Andrew J. Kandelapas
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  • Longfin Corp., et al.
  • Ikenna Ikokwu, et al.
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  • Merrill Robertson, Jr., et al.

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