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Arizona Supreme Court now allows citation to unpublished memorandum opinions and unpublished decisions from other jurisdictions (9/14)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

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

Texas Housing Justice League's position on Mortgage

     Servicer Bill (2010)

  Dodd-Frank Act: QWR Timelines Shortened

and Other RESPA and TILA Changes (2010)

Problems in the Mortgage Servicing Industry (11/11)

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

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

URPERA Enactment and eRecording Standards             

   Implementation Guide (2006)

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)

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

    This act allowed banks to provide Adjustable-rate mortgages

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