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NATIONAL MORTGAGE SETTLEMENT SUMMARY

Gramm-Leach-Bliley Act (1999)

 

Recovering from the Foreclosure Crisis and
Setting the Foundation for Future Success (2014)

Fleecing Uncle Sam (CEO of Citigroup, was compensated $17.6 million last year, while his company received a $260 million tax refund from the IRS.)(11/14)

 

New TILA Periodic Mortgage Statement Rule (11/14)

 

Homeowners Get Lost in the Shuffle and Suffer Harm (10/14)

 

OIG Report on the Independent Foreclosure Review (9/14)

 

AUDIT OF THE DEPARTMENT OF JUSTICE’S EFFORTS TO ADDRESS MORTGAGE FRAUD (3/14)

Arizona Supreme Court now allows citation to unpublished memorandum opinions and unpublished decisions from other jurisdictions (9/14)

 

TBW- Colonial Investigation: Lessons Learned (8/14)

FHFA’s Oversight of the Enterprises’ Lender-Placed 
Insurance Costs
(6/14)

 

Hearing on Dodd-Frank Financial Regulations (7/14)

 

ABUSE OF STRUCTURED FINANCIAL PRODUCTS: Misusing Basket Options to Avoid Taxes and Leverage Limits (7/14)

 

Who is Running America?
The Bankruptcy of America, the Corporate United States 
and the New World Order

FORECLOSURE REVIEW: 
    Regulators Could Strengthen Oversight and 

    Improve Transparency of the Process (4/14)

Foreclosure Cure Remit Unpaid Fees to Borrower Act (Colorado)

 

TILA-RESPA Integrated Disclosure rule implementation

 

FHFA Oversight of Enterprise Controls Over Pre-Foreclosure Property Inspections (3/14)

 

2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules

AUDIT OF THE DOJ's EFFORTS TO ADDRESS MORTGAGE FRAUD (3/14)

 

NCLC letter to regulators: RE: Need for immediate federal intervention to mitigate the harmful impacts on local communities of investor purchases of REOs and distressed loans, and to stave off the next financial crisis (3/14)

Fannie & Freddie Ignored Red Flags From Appraisal Data (2/14)

 

Help For Struggling Borrowers  (12/13)

A guide to the mortgage servicing rules effective on January 10, 2014 

 

 

 

CFPB regulatory report on “shoddy” mortgage servicing practices (2013)

Washington State to make illegal foreclosure a Felony (even though it is already a felony)(1/14)

    HB 2656: Relating to civil infractions involving deeds of trust;

     HB 2657: Relating to requiring residential real property   

                      transfers and assignments to be recorded;

   HB 2658: Violation is a Class C felony

   HB 2659: Restraint of a sale by a trustee.

 

Lender Insurance Guide For Mortgagee and HUD Staff (5/13)

A Report on the Health Impact of Foreclosures (2013)

 

IS THERE A LINK BETWEEN FORECLOSURE AND HEALTH? (8/11)

 

Rhode Island Legislators Lack the Fortitude to Take  

    Down MERS (11/13)

 

Treasury Approved Large Decreases in the Estimated Number of Homeowners to be Helped by States Through TARP’s HHF Program (Where is the Money?) (10/13)

 

SIGTARPS SCATHING REPORT TO CONGRESS (10/13)

 

OCC's Asset Securitization Comptroller’s Handbook
November 1997
(Borrower is a party to securitization)

 

House, Set to Vote on 2 Bills, Is Seen as an Ally of Wall St. (10/13)

 

Wall St. Lobbyists and Financial Regulation (10/13)

 

Senator Warren Highlights Enforcement Record of SIGTARP, Questions Fed, SEC, OCC (10/13)

   Warren's letter

 

OCC's Response to Elizabeth Warren QFRs (7/13)

 

Bernie Saunders is Angry, Disgusted, Frustrated (9/13)

 

Prosecute Banksters:

    Warren's letter to Fed, DOJ, SEC (5/13)

 

Wasted Wealth (5/13)

 

Fla. AG Bondi letter the Supreme Court (Alternatives to foreclosure (9/13)

 

Modifying Mortgages Involving Fannie Mae and 

    Freddie Mac:
    Options for Principal Forgiveness (5/13)

 

Political Profiteering: How Forest City Enterprises Makes Private Profits at the Expense of America’s Taxpayers

 

OCC: Minimum Standards for Prioritization and Handling Borrower Files Subject to Imminent Foreclosure Sale (4/13)

 

Independent Foreclosure Review Payment 

    Agreement Details *

 

SENATE BANKING HEARINGS 4/2013
Outsourcing Accountability? Examining the Role of Independent Consultants (4/13)
HELPING HOMEOWNERS HARMED BY FORECLOSURES: ENSURING ACCOUNTABILITY AND TRANSPARENCY IN FORECLOSURE REVIEWS, PART II

Testimony from: 

Mr. Edward J. DeMarco 
Acting Director 
Federal Housing Finance Agency
Panel 2

Mr. Steve A. Linick
Inspector General 
Federal Housing Finance Agency

 

Congress' letter to Bernanke and OCC (4/13)

 

OHIO FORECLOSURE CASES:
LENDERS BEWARE – THE RIPPLE CONTINUES

 

JPMORGAN CHASE WHALE TRADES:
     A CASE HISTORY OF DERIVATIVES 

     RISKS AND ABUSES 

 

FHFA Announces New Streamlined Modification Initiative (3/13)

 

Correcting Foreclosure Practices (2/13)

 

Amendments to Consent Orders Memorialize $9.3 Billion Foreclosure Agreement (2/13)

 

Florida HB 87: Mortgage Foreclosures (2/13)

 

Remarks by Thomas J. Curry Comptroller of the  

    Currency Before the American Securitization Forum (1/13)

H.R.189 - Transparency and Security in Mortgage Registration Act of 2013
(To prohibit Fannie Mae, Freddie Mac, and Ginnie Mae from owning or guaranteeing any mortgage that is assigned to the Mortgage Electronic Registration Systems or for which MERS is the mortgagee of record.)

 

Consumer Financial Protection Bureau lays out implementation plan for new mortgage rules (2/13)

 

CFPB Mortgage Industry Reforms – Rulemaking and Guidance (1/13)

 

Fed Releases Transcripts and Other Historical Materials (2007)

 

White Paper: Preparing California "Homeowner Bill of Rights" (1-13)

 

Issa/Cummings letter re: Foreclosure Fraud Settlement 2013

Merley Letter: Deferred prosecutions (12/12)

Grassley Letter: No Prosecutions (12/12)

 

California Monitor Report Waiting for Change:
    Dual Tracking and Home Foreclosure
(10/12)

The Foreclosure Fraud Prevention Act of 2012 (6/12)

 

  FHFA’s Oversight of the Enterprises’ Management of 

     High-Risk Seller/Servicers (9-12)

 

Sherrod: Breaking the law should not be a business expense

 

MORTGAGE FORECLOSURES Documentation Problems 
Reveal Need for Ongoing Regulatory Oversight
(5/11)

 

Wall Street and the Financial Crisis: Anatomy of a Financial Collapse (4/11)

 

Just the Facts Timeline: The Administration's Unheeded Warnings About the Systemic Risk Posed by the GSEs (9/08)

 

  An Analysis of the Systemic Risks Posed by
Fannie Mae and Freddie Mac
(2006)

 

ADDRESSING OHIO’S FORECLOSURE CRISIS:
Taking the next steps (2009)

 

Justice Inaction:
    The Department of Justice’s Unprecedented Failure  

    to Prosecute Big Finance (8/12)

 

Policy Intervention in Debt Renegotiation: Evidence
from the Home Affordable Modification Program
(8/12)

 

CALIFORNIA HOMEOWNER BILL OF RIGHTS:

AB 278: Mortgages and deeds of trust: foreclosure.

SB 900: Mortgages and deeds of trust: foreclosure.

 

OREGON: SB 1552

 

  How Countrywide Used its VIP Loan Program To Influence Washington Policymakers

 

Consumer Financial Protection Bureau Proposes Rules to Protect Mortgage Borrowers (8/12)

 

U.S. Vulnerabilities to Money Laundering, Drugs, and Terrorist Financing: HSBC Case History* (7/12)

   Report Exhibits 

 

"Turning the Tide: Preventing More Foreclosures

     and Holding Wrong-Doers Accountable” (4/12)

 

***Examining The Consequences of Mortgage  

Irregularities (11/10) This report should be read by ALL judges and cited in your briefs. 

 

Final Report of the Congressional Oversight Panel (3/11)

 

Colorado Foreclosure Reform Initiative 84  (4/12)

 

Biden Puts Penalties to Work for Delaware (5/12)

 

Examining Lending Discrimination Practices and Foreclosure Abuses

 

Grassley’s Case Against DOJ Stance on Financial Fraud (3/12)

 

The Financial Crisis Response - In Charts (4/12)

 

FHFA's supervision of Freddie Mac's controls over 

    Mortgage Servicers (redacted)(3/12)

 

Attorney General Kamala D. Harris Joins Legislative Leaders to Unveil California Homeowner Bill of Rights

              Video of Press Release

 

AUDIT: FORECLOSURE IN CALIFORNIA (2/12)

               Video of Press Release

 

 

*Missouri AG - Robosigning is a Felony (2/12)

 

Dodd-Frank Amendments Change RESPA Timelines & Penalties (1/12)

 

Issa letter to DOJ Holder (cover-up, contempt)(1/12)

 

Revitalizing Foreclosed Properties with Land Banks(2009)

 

California Congressmen Write to President Obama in support of AG Kamala Harris not going along with multi-state settlement

 

Rep. Elijah Cummings letter to FHFA ("FHFA may have contributed to widespread abuses by mortgage servicing companies and law firms attempting to meet arbitrary deadlines to expedite foreclosures,”)

 

Bernanke Letter to Frank and Bachus on Fed 

    Bailouts(12/11)

 

Nevada ASSEMBLY BILL 284: To protect Nevada property owners from fraudulent foreclosure. (12/11)

 

Robo-Signing, Chain of Title, Loss Mitigation and Other 

     Issues in Mortgage Servicing (11/11)

 

GAO Audit of the Federal Reserve ***(Oct/11)

 

Congressional Corruption – Members Exempted from 

    Insider Trading Laws

 

FHFA’s Oversight of Fannie Mae’s 
    Default-Related Legal Services(9/11)

 

Testimony: Should there be a Government Guarantee?

 

AUDIT of FEDERAL RESERVE SYSTEM:*****
Opportunities Exist to Strengthen Policies and Processes for Managing Emergency Assistance

 

FINAL REPORT OF THE NATIONAL  

   COMMISSION ON THE CAUSES OF THE 

   FINANCIAL AND ECONOMIC CRISIS IN THE 

UNITED STATES

 

Audit of the Federal Housing Finance Agency's  

 

    Consumer Complaints Process (6/11)

 

GAO Report: MORTGAGE FORECLOSURES 

     Documentation Problems Reveal Need for 

     Ongoing Regulatory Oversight  (5/11)

 

  House bill H.R. 1477 introduced to crack down on 

    mortgage servicers (4/11)

 

  Arkansas House Bill 1511:*

    AN ACT TO REQUIRE ADDITIONAL INFORMATION AND TO 
      ENCOURAGE LOSS MITIGATION AND LOAN MODIFICATIONS 
      BEFORE INITIATING A STATUTORY FORECLOSURE; AND FOR 
      OTHER PURPOSES
(3/11)

 

Draft Report of the PEB on the UCC Rules Applicable to 

    the Assignment of Mortgage Notes and to the Ownership 

    and Enforcement of Those Notes and the Mortgages 

    Securing Them (3/11)

 

Foreclosure Fraud and Homeowner Abuse Prevention 

    Act of 2011

 

WALL STREET AND THE FINANCIAL COLLAPSE:

     Anatomy of a Financial Crisis (4/11)

 

Repairing A Broken System:
    Protecting Consumers in Debt Collection 
    Litigation and Arbitration (July 2010)

 

Advocates' letter calling for the Withdrawal of  

    Proposed Consent Orders Regarding Mortgage 

    Servicing Illegalities (4/11)

 

Notice of Proposed Rulemaking Implementing  

    Certain Orderly Liquidation Authority Provisions of 

    the Dodd-Frank Wall Street Reform and Consumer 
    Protection Act
(3/11)

 

Senate Bill 1074, An Act Concerning Foreclosure When 

    Legal Title Has Not Been Conveyed (3/11)

 

Arizona SB1259 Passes The Senate (28-2) (2/11)

      (Foreclosure/Proof of Ownership)

 

Executive Compensation Restrictions in the 

    Troubled Asset Relief Program (2/11)

 

Hawaii House approves moratorium on foreclosures (2/11)

 

MA Bill in Reaction to Foreclosure Fraud (1/11)

    An Act updating the law relative to discharge of certain mortgages.

 

Virginia HB1506 (1/11)  

      Relating to foreclosure procedures; assignment of deed of trust.

 

SIGTARP Report: 

   Extraordinary Financial Assistance Provided to 

    Citigroup, Inc. -By Neil Barofsky (1/13/11)

 

 

FTC Policy Statement on Unfairness (1980*)

 

Florida Attorney General Report: (1/11)

      UNFAIR, DECEPTIVE AND UNCONSCIONABLE 
    ACTS IN FORECLOSURE CASES 

 

Florida AG's Foreclosure Update to Florida Senate  (1/11/11)

 

COP Hearing with Tim Geithner (12/16/10)

 

Texas Housing Justice League's position on Mortgage

     Servicer Bill (2010)

 

  Dodd-Frank Act: QWR Timelines Shortened

and Other RESPA and TILA Changes (2010)

 

Foreclosed Justice: (12/15/10)

Causes and Effects of the Foreclosure Crisis-Part II

Includes Transcript and Written Testimony

Problems in the Mortgage Servicing Industry (11/11)

  Text of H.R. 6460: Transparency and Security in  

      Mortgage  Registration Act of 2010 (11/10)

 

Hearing on MORTGAGE SERVICES and 

     FORECLOSURE PRACTICES (11/16/10)*

 

NOVEMBER OVERSIGHT REPORT (11/16/10)

 

FTC Issues Final Rule to Protect Struggling Homeowners from Mortgage Relief Scams

 

  H.R.3808: Interstate Recognition of 

      Notarizations Act of 2010  


Subprime Foreclosures and the 2005 Bankruptcy 

    Reform

 

Interstate Banking H.R. 3841 (1994)

 

Hearing on the TARP Foreclosure Mitigation Program (Prof. Katherine Porter)(10/10)

 

 ROBO-signing Remarks by FDIC Chairman Bair (10/13/10)

 

Congress' letter to Fannie: "Why is Fannie Mae using  lawyers that are accused of regularly engaging in fraud to  kick people out of their homes? (10/10)

 

  Washington State AG finds Trustees may be involved n wrongful foreclosures (10/10)(PDF letter)

________________________________________________________

Florida:

  GRAYSON DEMANDS SWIFT LEGAL 

       ACTION AGAINST FORECLOSURE "FRAUD 

       FACTORIES"  (10/10)   

 

  Amendments to the FRCP regarding

      FORECLOSURES  (2/11/2010)

 

    Florida Deficiency Judgment Bill

    Florida MBA Comments to Amended Rules

_____________________________________

 

Helping Families Save their Homes Act of 2009 

 

A REVIEW OF MORTGAGE SERVICING 

     PRACTICES AND FORECLOSURE 

     MITIGATION (2008)   

 

FBI's 2009 Mortgage Fraud Report “Year in Review”

 

 

 Housing and Economic Recovery Act of 2008

 

HUD ANNOUNCES POSTING OF 

     FREQUENTLY ASKED QUESTIONS ON NEW 

     RESPA RULE

 

Obama signs mortgage bill into law  (5/21/09)

 

Perspectives on the Consumer Financial 

      Protection Agency”

 

THE FINANCIAL PRODUCT SAFETY 

     COMMISSION ACT OF 2009 

  Senate version H.R.1705      House version H.R.1705

                  

  Amendment Requires That Homeowners 

      Be Informed When their Home Loan is 

      Sold or Transferred

 

Treasury Secretary Tim Geithner 

    Written Testimony Congressional 

    Oversight Panel  April 21, 2009

 

  BANKRUPTCY REFORM ACT OF 2000

 

2008 Criminal Investigation and Prosecution Act 

 

Testimony of Michael Calhoun, Center for

     Responsible Lending 1/13/09

 

GSE's Pose Systemic Risk (Paulson 9/08)

 

Financial Services Subcommittee

     Hearing on Foreclosure Problems 6/08

 

Foreclosure Bill Signed Into Law 8/08

 

Legislature acts to control mortgage servicers 7/08

 

New Legislation Changes KY HUD 

     Exemption 

                                                                      6/08

Pennsylvania Governor Signs Off on 

     Mortgage Fraud Bills 7//9/08

 

American Housing Rescue and Foreclosure 

     Prevention Act  5/7/08

 

  Most Historic Day for Whistleblowers: 112 

      Public Groups Unite! 6/5/08

 

Federal Preemption of State 

     Prepayment-Penalty Statutes: The OTS 

     Reverses Itself

 

Civil Asset Forfeiture Act Becomes Law (government)

 

FTC IMPROVING CONSUMER 

      PROTECTIONS IN SUBPRIME LENDING 4/29/08

 

  Mortgage fraud bill passes House,

     goes to governor  5/1/08

 

Lawmakers pass bill adding penalties for 

     mortgage fraud  5/1/08

 

McCollum praises mortgage-fraud legislation 

     5/1/08

 

NEW KENTUCKY LAW BOOSTS 

     PROTECTION AGAINST MORTGAGE, 

     LENDING FRAUD - 4/29/08

 

Legislature approves stiffer penalty for mortgage

     fraud -up to 15 years in state prison. 4/29/08

 

New Laws - Maryland Emergency Legislation   

     4/28/08

 

H.R. 5679: Foreclosure Prevention and 

    Sound Mortgage Servicing Act of 2008

 

Senate Throws Out Single Most Needed 

    Step to Help Millions of American 

    Families Keep Their Homes 4/3/08

 

The Subcommittee on Commercial and 

      Administrative Law “Mandatory Binding 

      Arbitration Agreements: Are They Fair For 

      Consumers?”   6/12/07

 

POSSIBLE RESPONSES TO RISING MORTGAGE 

      FORECLOSURES - FDIC testimony 4/07

Legislating Violations of the Constitution

Only Skin Deep: The Rudman Report only scratches the surface. (4/06)

URPERA Enactment and eRecording Standards             

   Implementation Guide (2006)

 

National Judicial Watchdog Organization to 

    Investigate Allegations of Judicial Collusion and 

    Cronyism by Retired Pima County Superior 

    Court Judge and his Ex-Law Partner 11/2/05

 

Critics Say Taxpayers At Risk 

     For Housing Bailout (2000)

FANNIE MAE’S SUBORDINATED DEBT 

     PROGRAM (2001)

 

Fannie Mae 2007 Annual Report

 

  H.R. 3915 (See Title VI)

 

1/11/08 OFHEO Issues Policy  

     Guidance On Fannie Mae And Freddie 

     Mac Mortgage Fraud Programs

 

12/19/07 New Proposed Federal   

     Reserve Rules: Is This Supposed to Be 

     Helpful Regulation?

 

12/19/07 FHA Mortgages — Senate Bill 

     Specifics Revealed

 

  Under Secretary for Domestic 

      Finance Robert K. Steel
      Testimony before the House 

      Committee on Financial Services

 

Loan-Relief Legislation Advances

 

11/4/07- Testimony before the 

     House Committee on Financial 

    Services

 

HANDLING THE FAILURE OF A

     GOVERNMENT-SPONSORED

     ENTERPRISE (gse)

 

1/27/07 Legislation makes mortgage 

     fraud a felony

 

1/23/07- Strickland vetoes 

     predatory lending bill

 

1/23/07- FDIC issues policy letter on 

     predatory lending

 

 

H.R. 3837 The Escrow, Appraisal, and  

     Mortgage Servicing Improvements Act  

     of 2007

 

    Press release on the bill

 

    Press release #2 on the bill

 

    Kanjorski introduces mortgage 

         lending reform

 

TESTIMONY OF MAUREEN MCGRATH
ON BEHALF OF NATIONAL ADVOCACY AGAINST MORTGAGE SERVICING FRAUD BEFORE THE SUBCOMMITTEE ON CAPITAL MARKETS, INSURANCE AND GOVERNMENT SPONSORED ENTERPRISES UNITED STATES HOUSE OF REPRESENTATIVES (6/2004)

    Statement of Maureen McGrath at HEARING ON
LEGISLATIVE PROPOSALS ON REFORMING MORTGAGE PRACTICES
(many notes held by RTC were never marked “satisfied” when the properties were sold to new owners.***) (2007)

 

 

  STOP FRAUD Act

 

  Clinton Introduces Protection and 

      Prevention Bill

 

HB 716 Mortgage Fraud Bill  (Texas)

 

ESOP Oversight Testimony

     President, East Side Organizing Project

 

DIRTY MONEY: 

    CORPORATE CRIMINAL DONATIONS

    TO THE TWO MAJOR PARTIES

 

  Bill toughens Ariz. mortgage fraud laws

 

   Arizona House Bill 2040

       bill criminalizing mortgage fraud.

 

  Clean Up Government Act of 2007

 

General Assembly creates new 

     residential mortgage fraud felony

 

Second foreclosure-prevention  

    bill introduced in Senate

 

  Petro Proposes Rules To  

     Crack Down On Predatory 

     Lending In Ohio

 

         The Proposed Rules

 

  Georgia Residential Mortgage  

       Fraud Act  (incl. RICO)

 

  Cook County Lending 

      Database Pilot Greatly Expands Mortgage 

      Regulation 

 

Agencies Announce Updated  

     Answers to Frequently 

     Asked Questions About HMDA 

     Price Data

 

CRL on Homeownership

     and Equity Protection

 

Accuracy Guidelines and   

     Procedures Pursuant to 

     Section 312 of the Fair and  

     Accurate Credit Transactions 

     Act

 

Taft Signs Bill Targeting  

     Predatory Lenders

 

Cox Proposes Legislation to End  

     Predatory Mortgage Practices

Obama Seeks Congressional

     Hearings On Mortgage Fraud

 

The Municipal Cost of Foreclosures:
    A Chicago Case Study (2005)

 

Obama, Durbin propose reform

 

*Obama's Mortgage Fraud Bill

 

Hearing on Promoting   

     Homeownership

 

Protecting Homeowners

 

Legislation to End Predatory 

     Mortgage Practices

 

 Project Scofflaw

 

 FBI 2004 report

 

  *OTS Cease & Desist Order

 

 Mortgage Fraud Reporting

 

Staff Report:
    
Enhancing Disclosure in the       

     Mortgage-Backed Securities 

     Markets

 

 What makes it Predatory?

 

Broker License Standards

 

The Martin-Act

 

 Check 21

 

  *Oppose bill  H.R. 4719  

 

 'Broken Dreams' hearing

 

    Goldstein testimony (PDF)

 

     *Homeowner testimony (PDF)

 

  Kerry plans to curb lending  

     abuse 

 

Bush vs. Kerry on housing,

     mortgage issues

 

 Edwards to crack down on  

      predators.

 

 H.R. 1025 - Mortgage   

      Servicing Clarification Act.

 

 Connecticut's  HB 1080

 

 Senate Bill 574

 

 Oregon's  HB 2344

 

 House votes to give extra 

     protection to lenders in civil suits

 

Suggested Reforms Point

     in the Right Direction.

 

Gramm-Leach Bliley Act

 

Don't Borrow Trouble

 

FTC Recommendations to

     Improve the FDCPA.

 

Garn–St. Germain Depository Institutions Act

    This act allowed banks to provide Adjustable-rate mortgages

    and was arguably the cause of the Savings & Loan Crisis.