REGULATORY AGENCIES AND ACTIONS: FULL COURT PRESS

COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary

ATTORNEY WORKBOOK DOWNLOAD 600+ PAGES

ONE ON ONE WITH NEIL GARFIELD ONE ON ONE WITH NEIL

GARFIELD-EDITOR’S NOTE ON THE POSSIBILITIES OF ADMINISTRATIVE ACTIONS. First published December 1, 2008 (wow, over 2 years ago) I was at that time raising the prospect of using various state, county and Federal Agencies to push the mortgage mess along to its logical conclusion like the IBANEZ decision in Massachusetts, without waiting for years, and without allowing the pretender lenders time to corrupt our system of title ownership and commerce in general.

As it turned out the Federal Agencies under the BUSH Administration, although charged with the obligation and duty to enforce their own rules and regulations,  which follow the mandates of laws passed by Congress and signed by the President decades ago, did nothing other than the occasional letter acknowledging your letter and explaining how this was not within their jurisdiction — a blatant lie — or some other excuse why you are on your own despite numerous Federal and State laws designed to prevent deceptive lending and fraud against consumers et al.

Things have changed now. The defenses and counterclaims are now recognized as either true or at least legitimate:

  1. Banks Have Charters and are regulated by one or more agencies simultaneously. Send a grievance against a bank to each agency that might have a jurisdiction and complaining to that particular agency that the Respondent should be disciplined or referred for criminal charges for acting as a Bank when in fact they were not, or being a bank and not performing the duties of a bank, present serious grounds for discipline referral for criminal prosecution.
  2. If a Bank pretended to be the lender when in fact it was acting as a mortgage broker then you have the state agency that licenses and regulates mortgage brokers and the agency(ies) that regulate banks or lenders.
  3. If a person signed many documents claiming to be an officer of each of those entities the they were pretending to be a banker or a lender. They are subject to discipline if they hold a license and criminal charges — file a report with appropriate law enforcement authority(ies).
  4. A Notary is licensed by definition and is regulated by a licensing board same as a doctor or lawyer or any of the above. If they were notarizing signatures from unknown people who were not in front of them when a document was signed the same thing applies. I can tell you that several Notary licenses have already been revoked. And if they have used the wrong-dated notary stamp that proves on is face that the document was recently prepared when it purports and her notarization statement reports that this occurred a long time ago, that is a good grievance as well.
  5. The mortgage broker, title agent, appraiser, closing agent, escrow agent are probably all subject to a licensing board in your state. Each misstep, each failure to disclose, each time they doctored your application, each time they pretended to be part of a legitimate process of appraisal loan evaluation, constitutes an actionable offense under their licenses including fines, suspension and revocation.

Any regulatory Agency that fails to conduct an investigation, or fails to find probable cause, or fails to prosecute its licensee for discipline or fails to refer to the U.S. Attorney or local prosecutor for criminal action is not only breaching the duties and obligation that were set forth when the agency was formed, they are also going to be the subject of numerous press stories starting right here. By the way filing a grievance usually involves no cost to you although you might want to consider having the combo title and securitization report done because that will virtually force the agency into action.

HERE ARE SOME RESOURCES:


HUD Administrative Actions: Settlements Under Respa
office-of-financial-and-insurance-regulation-ofir-home-mortgage-disclosure-act-data-available

OTS
1700 G Street NW
Washington, D.C. 20552
(202) 906-6000

FDIC
3501 N. Fairfax Drive
Arlington, VA 22226

OCC
1301 McKinney Street, Suite 3450
Houston, TX 77010

Office of Attorney General
State of Florida
the Capitol PL-01
Tallahassee, FL 32399-1050

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580

U.S. Department of Housing and Urban Development
451 7th Street S.W., Washington, DC 20410
Telephone: (202) 708-1112
help-on-hud-claims

appraisal-fraud-description-and-new-rules1

ARIZONA:

irregularities-in-recording-and-delays-in-recording-open-up-new-channels-of-attack-on-mortgages-and-notes

Attorney General Terry Goddard
Office of the Attorney General

1275 West Washington Street
Phoenix, AZ 85007
602.542.5025
800.352.8431 (toll free)
Fax 602.542.4085
Click here for map 

Tucson Office
400 West Congress
South Building, Suite 315
Tucson, AZ 85701-1367
520.628.6504
Fax 520.628.6530
Click here for map

 

 

Community Services Program Satellite Offices
Arizona Attorney General’s Office
1275 West Washington Street, Phoenix, Arizona 85007
602.542.2123 (Phoenix) / Fax 602.364.1970
520.628.6504 (Tucson) / 800.352.8431 (toll free)
communityservices@azag.gov
Consumer Information and Complaints
602.542.5763 (Phoenix) / Fax 602.542.4579
520.628.6504 (Tucson) / 800.352.8431 (toll free outside Maricopa and Pima Counties) / consumerinfo@azag.govConsumer Complaint Form 

Elder Help Line
602.542.2124

Identity Theft Help Line
602.542.2145 (Phoenix)
800.352.8431 (Outside Maricopa and Pima Counties)
identitytheft@azag.gov

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

STATE OF ARIZONA ANDREA M. ESQUER

DEPARTMENT OF LAW PRESS SECRETARY

1275 W. WASHINGTON STREET PHONE: (602) 542-8019

PHOENIX, ARIZONA 85007-2926 CELL PHONE:  (602) 725-2200

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

ILLINOIS ATTORNEY GENERAL LISA MADIGAN

worksheet_brochure

Michigan Division of Financial Services

http://www.michigan.gov/dleg/0,1607,7-154-10555—,00.html

P.O. Box 30220

Lansing, MI 48909

Michigan Office of Financial and Insurance Regulation

611 W. Ottawa Street

3rd Floor

Lansing, MI 48909-7720

877-999-6442

517-273-0220

Comptroller of the Currency — Probably Federal

Customer Assistance Group

1301 McKinney Street, Ste. 3450

Houston, TX 77010-9050

800-613-6743

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

MINNESOTA ATTORNEY GENERAL LORI SWANSON

pubpredatorylending

FEDERAL: See Glossary Links in Right SIde of Blog

Securities and Exchange Commission (SEC):

http://www.sec.gov/contact/addresses.htm

rating-agency-rule-and-pactices-review-by-sec1

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Federal Reserve Board

Consumer Help Division

P.O. Box 1200

Minneapolis, MN 55480

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Federal Deposit Insurance Corp.

Division of Supervision and Consumer Protection

2345 Grand Blvd.

Suite 100

Kansas City, MO 64108

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

OFFICE OF CONSUMER AND REGULATORY AFFAIRS (HUD)

U.S. Department of Housing and Urban Development

451 7th Street SW

Washington, DC 20410

16 Responses

  1. Dear Elizabeth Warren,
    American home owners need protection from US Bank SN servicing and their third parties. It is clear that Fines, the OCC, nor law enforcement are able to stop the forgeries and falsified document being submitted to our courts by US Bank. Most judges will not go against the banks bad behavior. We can end this mess…We need a national law that simply says that no family / home owner can have their home taken and no Family can be evicted from their home until the home owner gets the final price that the bank legitimately auctioned the home for. Home owner should always have the last right of refusal no matter when an auction takes place.
    Set up rules to guarantee funding of the buy back by the home owner at rates that are mandated to help the home owner. Why should overseas companies and corporation buy our homes taking in some cases a fortune in equity or deposits. Stop putting families on the street. Please fight for American families

  2. Ray Shelton May 19, 2014 at 7:49 pm
    If you are being foreclosed on By US Bank and or SN Servicing ( Please No Other banks or services please) Please check the signatures on your deed in your county clerks office, if you are sure that forgery or falsification of your documents has taken place then call me ASAP we are going after anyone who has wrong us by forgery and or uttering forgery under the RICO ACT. This is happening now 2014 Please join us. call 352 274 8467 Ray Shelton
    #1. Did A Serious Crime of forgery and Uttering forgery take place by US Bank and their attorneys against you ?
    #2. The OCCs Cease and desist order signed by US Bank and its Board of directors specifically says that US Bank and its third parties ( Servicer’s and attorneys) will stop this kind of criminal activity immediately and make restitution, but they have only escalated their activities of illegally taking homes in Florida via Forgery and falsifying documents etc.:

    MEDIA STORY LINE. A Well known highly respected Florida Notary and his wife who witness the signing of a deed and mortgage have come forward and signed a statement sworn under oath that the signatures on a deed and mortgage were originally signed in Royal Blue. They even went to the Marion County Clerk of the Court and had another notary witness the fact that they viewed the recorded deed and mortgage that was submitted by US Bank and then witnessed that the documents were not sign in Royal Blue. But in fact were signed in Black. It is clear by any reasonable person or most important by Law Enforcement and our Judges, that after US Bank claimed a lost note status for a couple of years, they had no choice but to forge the deed and note in order to have standing in court.
    The Shelton family is being illegally foreclosed on by US Bank who has already paid out multi million dollar fines, but no one has gone to jail. Who is actually committing these crimes? Was it DocX or LPS or is it their attorneys? This needs to be discovered and prosecuted by the Feds because it is a very serious issue that is costing the American public billions of dollars in loses. It apparently doesn’t matter to US bank that the homeowner is right or wrong because no normal family can stand up to the money that is used to win by attrition against a homeowner. Who will protect the public and stop the destruction of hundred of thousands of families lives all across this nation?
    This is also very wrong because Us Bank and their attorneys may be undermining the integrity of our entire Justice system and the American way of life as it is known today. Will it end up that it is ok to forge our most treasured document without any prosecution by our government? This is becoming a crime wave that is unparalleled in history and America must stop it. Have Multiple interstate crimes been committed multiple times By US Bank and their attorneys ? Should these issues be considered within the Rico Crimes Laws. US Bank has not stopped their behavior, are the fines way to low and they just don’t care because the numbers prove that they can still make huge profits by continuing on the same path? Where is Law Enforcement? Where is Eric Holder? Where is OBAMA???
    The Shelton Family didn’t discover the facts about the forgeries until they had already lost in every court even the appeals court. Now that they found out and have proof of forgery shouldn’t all the other ruling be null and void? The Shelton’s are filing a Civil Criminal Lawsuit against the attorneys Andrew Braaksma and Paul McKenna and another Civil Rico law suite against US Bank and SN servicing.
    The Shelton’s have filed a bar complaint with the Florida bar against Andrew Braaksma out of Miami and his partner Paul Mckenna for Uttering Forgery and other reasons to be announced. They have also filed a complaint with the FBI and with the Florida Attorney General. They will soon ask the Office of State wide prosecution to take the case. There will also be some press conferences set up to expose the Miami Attorneys and US Bank. Shouldn’t this case be moved up to the Federal courts and demand relief and for the prosecution of the Miami Attorneys and US Bank? To join us please call 352 274 8467 Ray Shelton

  3. US Treasury Dept. – 19.2 trillion dollars in household wealth lost …..

  4. OCC ACTING COMPTROLLER SPEECH OF MARCH 26 2012

  5. HOLD ON THERE PARTNER!! INVESTORS THREATENING TO SUE OVER THE AG SETTLEMENT WITH BIG BANKS. THEY SAY THEY HAD NOTHING TO DO WITH THE ROBO-SIGNING SO WHY SHOULD THEY PAY!!

    SHORT VIDEO CLIP TOO

  6. GMAC-ALLY ATTORNEYS PLED THE 5TH FOR EMPLOYEES TO PREVENT THEM FROM TALKING TO INVESTIGATORS. THE INVESTIGATIONS ARE REALLY NOT COMPLETE BUT OUR STATE AGs SETTLED ANYWAYS!!

  7. THANK GOODNESS THE ATTORNEYS FILED A PETITION FOR PANEL REHEARING IN THE MCOMIE-GRAY TILA APPEAL DECISION IN THE NINTH CIRCUIT!!

  8. BEWARE AND BE CAREFUL IF YOU ARE DOING THE INDEPENDENT FORECLOSURE REVIEW PAPERWORK — REMEMBER THE OCC CONSENT ORDERS WITH THE BIG BANKS? YOU HAVE UNTIL END OF APRIL TO SUBMIT THE PAPERWORK.

    IN EXAMINING MINE, I SEE THAT THE BANK INVOLVED IN MY FORECLOSURE HAS LISTED ITS LOAN NUMBER BUT NOT THE LOAN NUMBER THAT IS ACTUALLY ON MY NOTE AND DEED OF TRUST (MORTGAGE IN SOME STATES).

    IN FACT, THERE IS NO MENTION OF THE REAL LOAN NUMBER ANYWHERE ON THE INDEPENDENT REVIEW FORM.

    AND ON THE LAST PAGE WHERE THEY WANT YOU TO SIGN IT SAYS ‘by signing this document, I certify that all the information is truthful. I understand that knowingly submitting false information may constitute fraud. I affirm that I am the borrower or co-borrower of the mortgage loan on the property noted within this document, and I am authorized by all borrower(s) to have my signature grant permission to proceed with this request for review.”

    IT’S A TRAP. NOT ONLY THE ‘AFFIRMATION’ BUT THEN THEY WANT YOU TO CERTIFY ALL INFORMATION IS TRUTHFUL WHEN THEY DON’T EVEN USE THE LOAN NUMBER CONTAINED WITHIN THE EXECUTED LOAN DOCS, LIKE YOUR DEED OF TRUST OR NOTE.

    BEWARE. I’D CONSULT WITH AN ATTORNEY BEFORE SIGNING SOMETHING LIKE THIS.

    HERE IS LINK TO THE FREE FORECLOSURE REVIEW-OCC

    http://independentforeclosurereview.com/

  9. OCC INTERIM REPORT ON CONSENT ORDERS AND FORECLOSURE REVIEWS

  10. What about the Department of Real estate who say they can only take a brokers license and will not prosecute for fraud due to a one year real estate statue expiring.

  11. [...] REGULATORY AGENCIES AND ACTIONS: FULL COURT PRESS [...]

  12. Just curious if The bank of New York Trust Company is the real name for the infamous Bank of New York Mellon as Trustee for Certificate Holders for XXXXXXXX? (any and all MBS trusts) I found them listed with the AZ Sec. of State so I assume all trusts have to be registered with the state to do business in AZ??? If they are not BONY Mellon, then why isn’t BONY Mellon registered and if they are BONY Mellon, the site has them listed as pending revocation. Any thoughts

  13. For AHMSI victims, please refer to the lawsuit filed by the Attorney General, State of Texas, El Paso County.

    This is in regard to alleged crimes performed by American Home Mortgage Services Inc against residential homeowners in Texas and the State of Texas. 10 crimes are described in the suit.

    http://www.oag.state.tx.us/newspubs/releases/2010/082610american_pop.pdf

    http://www.texasattorneygeneral.gov
    Press Office: 512-463-2050
    PO Box 12548
    Austin, TX
    78711-2548
    (512) 463-2100

    Feel free to contact me for more information, or publicity purposes focusing on Internet Information and other resources for exposing alleged AHMSI interstate organized criminal activity.

    techmeaux at gmail.com

  14. I do not really see the tree. ,

  15. Add the IRS form 911

    http://www.irs.gov/pub/irs-pdf/f911.pdf

    one of the most important of ALL.

  16. I need someone to help me with bank fraud. My ex-employee opened 3 bank accounts and redirected corporate funds for personal use and I want my money back plus damages from these banks. Please contact me and help me.
    Sincerely

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

Follow

Get every new post delivered to your Inbox.

Join 3,319 other followers

%d bloggers like this: