- Interagency Review of Foreclosure Policies and Practices (461 KB PDF)
- Consent Order for Bank of America Corp. (34 KB PDF)
- Consent Order for Citigroup Inc. and CitiFinancial Credit Co. (28 KB PDF)
- Consent Order for Ally Financial, Inc., ResCap, GMAC Mortgage, and Ally Bank (87 KB PDF)
- Consent Order for HSBC North America Holdings, Inc. and HSBC Finance Corp. (76 KB PDF)
- Consent Order for JPMorgan Chase & Co. and EMC Mtge. (39 KB PDF)
- Consent Order for MetLife, Inc. (25 KB PDF)
- Consent Order for PNC Financial Svs. Group, Inc. (25 KB PDF)
- Consent Order for SunTrust Banks, Inc., SunTrust Bank, and SunTrust Mortgage (76 KB PDF)
- Consent Order for U.S. Bancorp (25 KB PDF)
- Consent Order for Wells Fargo & Co. (25 KB PDF)
- Consent Order for LPS (47 KB PDF)
- Consent Order for MERS (48 KB PDF)
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Instead of complaining, join the petition: http://unitedinprosperity.org
If you have negative equity, you are legally entitled to a modification because Wall Street changed the standard capitalist rule of “don’t pay, be foreclosed on” when modifying would avoid the investors financial loss from the difference between the distressed sales price of a potential or possible foreclosed negative equity property and the outstanding mortgage amount due.
Instead the majority of negative equity homeowners are being financially penalized by the governments socialized promotion of the false “misrepresentation” that affordability is the reason a modification is issued allowing Wall Street to intentionally violate the principle of “honest and good faith dealings” using “predatory mortgage servicing practices” and “unfair and deceptive business practices” by taking “undue financial advantage” of negative equity homeowners who are paying or can afford to pay by denying them the same moral, ethical and legal entitlement to a similar capitalist financial benefit that is under the protection of numerous consumer, banking, civil and business laws when Wall Street cannot prove that the 3.5 million modifications issued were for any other reason than to avoid the investors financial loss that every negative equity property would cost the investor. United we have the power for change we can believe in to occur by:
*Signing the Unitedinprosperity.org petition to endorse the legal consequence of physically issuing over 3.5 million modifications to avoid the investors negative equity losses, including the 600,000 that the taxpayers paid to be modified for “affordability purposes” that created an industry wide precedent reaffirming that all negative equity homeowners are legally entitled to the same consistent similar financial benefit to avoid the investors negative equity losses from a potential or possible foreclosure.
*Signing the Unitedinprosperity.org petition stopping the policy of taxpayers’ paying for Wall Streets’ unregulated capitalistic actions thru back door deals, subsidies and guarantees creating a six billion dollar monthly taxpayer free stimulus.
*Signing the Unitedinprosperity.org petition as an alternate or in addition to a class action lawsuit to obtain the same principal reduction as the “chosen” negative equity homeowners in the states’ Attorneys General’s proposed settlement violating every negative equity homeowners legal right to a consistent similar financial benefit being received by all similarly situated individuals per the law and the industry wide precedent regardless of mortgage history, type, status, income, affordability, or who the holder of the mortgage note is as outlined in the attached Negative Equity Streamlined Uniform Modification System that capitalism demands.
Why isn’t Deutsche Bank on this list !!!!! They are the foreclosure kings destroying America! This is not acceptable, all these banks deserve to have severe charges brought aganist them. Not only did they use the American people as a pawn in a ponzi game, but they destroyed homes and families as well. This is NOT ENOUGH! We had to bail them out for fraud they committed aganist us..with our own tax dollars , which is an extra slap in the face, anyone else would be in jail!
Sorry but this is not enough!
Deutsche is involved… hiding behind Alley formerly GMAC own by Deutsche bank…they are trying to keep low profile…don’t be surprise if they also own BOA…
I’m still waiting for the criminal complaints to pass through Congress who prevents enforcement of laws so we can’t get an objective hearing by the Judicial Branch under Article III of the US Constitution.
Does the Federal Reserve belong to the Executive Branch under Article II with powers vested to enforce laws created by Congress? Did I misread the US Constitution? The Federal Reserve is a private entity whose federal administrative body given limited powers. Congress makes all decisions regarding commerce and sanctions.
Federal reserve is not an American entity…go research…foreign banks owners…
I am WONDERING why the T. V. stations aren’t jumping on this and interviewing the many homeowners who have had fraud on their mortgages, foreclosures or both.
If this supposed settlement for the homeowners is just a ploy to appease us and the Banks get a slap on the wrist….we need to smother the press with the truth so that it will over power anything the courts are putting out there in hopes that we will all go away.
It is too bad we all cannot descend on Floriida by the numbers and make such a showing, the courts will have to say” the jig is up. We need to do the right thing here!!!”
What in the world is going to have to happen so that we Citizens have the justice we deserve….and not down the road of many years to straighten this out. Give us our homes back first then they can figure out what to do next with the banks…..not the oher way around!
Thanks for listening….Nancy
I’ll tell you what does need to happen, A million people march for our rights, if there have been more than 5 million Fraudclosures it would not have been difficult to achieve but for some unknown reason it is
acmodspecialist, You are so spot on. For the love of God, where are all of these people that have already had their homes and their lives stolen from them? I’ll join them in a million defrauded homeowner march. If Louis Farrakhan can organize a million man march, why cant and dont we? We cannot act like cowards, that is right where they want us.
I just heard on WBZ Radio in Bobton, MA, that the courts have ordered Bank of America and Wells Fargo to give the money back to the home owoners they foreclosed on illegally.
Also the comment, there is a list of banks I presume have been found guilt of the same illegal issues…..However, I have not seen anything about IndyMac Bank Servicer, One West FSB or Deutsche bank. They are guilty of the exact same Fraud as all these other banks.. Does anyone happen to have an answer as to my these two banks are not included with the others?
Thank you…..Nancy
Beware of Deutsche Bank.Allay/Gmac and all the other names it operates under…including Country wide…/BOA…I saw a document at the Palm Beach Court House this week that showed a filing against a property with Deutsche named on the docket but the actual documents served said Countrywide plaintiff and not Deutsche …but Deutsche was also the unmentioned plaintiff on the doc sent to the owner…
I vent
No I have never seen that. But I will try to find a tape or something. I actually spend very little time watching TV. I”m busy focusing and thinking about the crooks at Fidelity National Title.
@Marilyn Lane, I think you may be able to find it at the historychannel.com website and watch it on there. It is very interesting and very timely. I do not think anyone would have believed the RISE OF THE FOURTH REICH could even be possible in the 21st century UNTIL NOW. If you google Agenda 21, you can find the NEW WORLD ORDERS DIABOLICAL PLAN FOR OUR WORLD IN THE 21 st century. They wheels of this scheme really started turning after the Rio Summit, A/K/A THE EARTH SUMMIT in BRAZIL, back in JUNE OF 1992.. This summit was not solely about clean air, clean water, and containment of acid rain. It was about the MASSIVE REDISTRIBUTION OF WEALTH FROM THE INDUSTRIAL COUNTRIES, GLOBAL SOCIALISM, PEOPLE CONTROL, AND WORLD GOVERNMENT. THIS WHOLE CONSPIRACY IS ABOUT CONFORMITY TO THE NEW WORLD ORDER and their evil desire for a ONE WORLD FASCIST TYRANNICAL DICTATORSHIP. THEY ARE NOW USING STRATEGIC NAZI CLASS WARFARE TO ACHEIVE THE TOTAL DESTRUCTION OF THE MIDDLE CLASS IN AMERICA. THE UN IS STILL THE FACE OF THE NEW WORLD ORDER BUT THEY REALLY WANT THE WCPA(THE WORLD CONSTITUTION AND PARLIMENT) TO REPLACE THE UN AS THE LEADING BODY OF THE NEW WORLD ORDER. Much of the groundwork was laid for this ONE WORLD TYRANNY BY THE POLITICAL AND FINANCIAL ELITE in 1977 when the CONNSTITUTION FOR THE FEDERATION EARTH WAS ADOPTED. OUR U.S. CONSTITUTION OVERULES THE NEW WORLD ORDER. NATIONAL SOVEREIGNTY WILL PREVAIL. GOD BLESS AMERICA. THE NEW WORLD ORDER AND THEIR FASCIST TYRANNY CAN GO TO HELL.
The sooner ALL OF the American People realize WHO we are really fighting here is the UN/NEW WORLD ORDER and what we are really fighting for is the very survival of our U.S. CONSTITUTION AND OUR BILL OF RIGHTS, THAT THEY WANT TO COMPLETELY OBLITERATE ALL OF OUR RIGHTS AS ONE NATION, WHICH IS IN A NUTSHELL, OUR ENTIRE NATIONAL SOVERIEGNTY. The sooner we ALL GET ON THE SAME PAGE, the sooner will get our country back from the NEW WORLD ORDER who have COMPLETELY CORRUPTED AND HIJACKED THE UNITED STATES OF AMERICA. They could have never done this without the FULL COOPERATION OF THE REPUBLICAN/DEMOCRATIC PARTIES in CONgress and in the WHITE HO– USE. They are equally corrupt and equally to blame. I do not blame Obama for this, but i do blame his party, I blame both the jackass Democratic party and the elephants ass that is also in the room, the Republicons. They have all contributed to this financial disaster of epic proportions. OUR US CONSTITUTION OVERULES THE NEW WORLD ORDER, THANK GOD OUR FOREFATHERS KNEW WHAT THE ELITE MONARCHS COULD DO TO A NATIONS FREEDOM AND SOVEREIGNTY IF THEY HAD THE CHANCE. TIME TO SEND THE FEDERAL RESERVE PACKING. TIME FOR THE US TREASURY TO START ISSUING OUR OWN CURRENCY. AN ACTUAL CURRENCY THAT HAS ACTUAL VALUE, NOT A PROMISORRY NOTE DOLLAR BILL THAT IS WORTH NO MORE THAN THE PAPER IT IS PRINT ON. THE ONLY MONEY THAT WE OWN IS THAT HAS ANY VALUE IS THE CHANGE IN OUR POCKETS. TIME TO GO BACK TO THE SILVER STANDARD, J.F.K HAD IT RIGHT AND HE HAD THEIR NUMBER.. THE NEW WORLD ORDER WOULD HATE THAT NOW WOULDN’T THEY? The NEW WORLD ORDER can take THEIR FAKE DEBT THEY CREATED AND POUND IT UP THEIR ASSES..WE THE PEOPLE OWE NO ALLEGIANCE AND NO MONEY TO THE UN/NEW WORLD ORDER AND WE NEVER WILL. GOD BLESS AMERICA!!
Also check out the history of the world wide web…and also its power today…and look out for web 3.o….
Using the same mind set, the way these regulators figured out this settlement with the banks
if John Gotti had called himself BANK JOHN GOTTI he never would have gone to prison.
15. Nothing in this Order, express or implied, shall give to any person or entity, other
than the parties hereto, and their successors hereunder, any benefit or any legal or equitable right,
remedy, or claim under this Order.
By Order of the Board of Governors effective this 13th day of April, 2011.
Doesn’t that mean that in addition to (” no wrong doing is admitted nor denied”) we get off the hook again!!
Someone enlighten me here as I am not an attorney, under the Misc. heading, #13 states no right, remedy, legal or equitable…. under this order……
So, basically, they are to do NOTHING?
“Someone enlighten me here as I am not an attorney, under the Misc. heading, #13 states no right, remedy, legal or equitable…. under this order……
So, basically, they are to do NOTHING?”
yep…. Nothing in this Order, express or implied, shall give to any person or entity, other
than the parties hereto, and their successors hereunder, any benefit or any legal or equitable right,
remedy, or claim under this Order.
By Order of the Board of Governors effective this 13th day of April, 2011.
So, what if you show them their wrongdoings? Shouldn’t somebody complain and send evidence to the Federal Reserve Board?
IF IT LOOKS LIKE A COVERUP, AND SMELLS LIKE A COVERUP IT MUST BE YET AGAIN, ANOTHER HALF ASSED ATTEMPT AT A PONZI SCHEME FRAUD COVERUP. IT IS WAY PAST TIME FOR THE CRIMINALS TO RESCIND THE FRAUD!!!
Give the FRAUDCLOSED ON HOMEOWNERS THEIR STOLEN HOMES BACK! THESE BANKSTERS NEVER OWNED THEM. THEY SHOULD ALSO HAVE TO PAY RESTITUTION FOR STEALING HOMES THEY NEVER OWNED AS WELL BY PRESENTING FRAUD ON THE COURT TO STEAL PROPERTY THAT THEY NEVER OWNED. THEY NEVER HAD ANY SKIN IN THE MORTGAGE SHELL GAME. THEY DECEIVED AND STOLE THESE HOMES WITHOUT EVER HAVING TO PROVE A CLEAR CHAIN OF OWNERSHIP. WHY? THESE FRAUDCLOSURES WERE A SCAM AND A FRAUD. THEY DECEIVED THESE PEOPLE INTO HAVING THEIR HOMES STOLEN FROM THEM WITHOUT, IN MILLIONS OF CASES, THE HOMEOWNER EVER EVEN HAVING A DAY IN COURT TO DEFEND THEIR HOMES.. RESCIND THE FAKE MORTGAGE LOANS AS WELL, THEY NEVER EXISTED BECA– USE OF THE PONZI SCHEME. WE WERE DECEIVED AND WE THE PEOPLE WERE ROBBED IN THE BIGGEST PONZI SCHEME/SCAM IN HISTORY. THESE ARE OUR HOMES AND WE OWN THEM FREE AND CLEAR BECA– USE OF THE PONZI SCHEME WHICH WAS FOLLOWED BY THE ORIGINATION FRAUD SCAM AND THE FRAUDULENT INDUCEMENT SCAM OF A MORTGAGE. THE ENTIRE RAMPANT MORTGAGE FRAUD WAS ALL — USED AS AN INCREDIBLY DECEPTIVE TOOL OF ILLUSION TO MAKE HOMEOWNERS THINK THEY OWED MONEY. .THESE LOANS NEVER EXISTED. THE PROOF IS IN THE TITLES AND THE PUBLIC RECORDINGS AT THE COUNTY RECORDER OF DEEDS OFFICES. ORIGINATION FRAUD=OUR HOMES WERE PAID FOR FREE AND CLEAR SINCE DAY 1, AT THE CLOSING TABLE. THESE LOANS NEVER EXISTED. IT WAS ALL A GIANT CON GAME, A SCAM PERPED AGAINST MILLIONS OF HOMEOWNERS THE GSE’s, .FANNIE/FREDDIE ARE HIDING BEHIND THE SCENES OF THE WHOLE SCAM. WE DO NOT OWE THEM ANY MONEY AND WE NEVER DID.
This is clouds and wind with no rain. The order has nothing to do with justice. The matter is nowhere near resolved. The Lord says that you will absolutely know when the matter is brought to justice. The banks, their attorneys, and others in complicity will continue to lie, cheat, steal, kill, and get away with it until they fall into their own hole. It is a fact that they are already on the edge of that hole. That consent order has no standing because it does not resolve anything. This is all smoke and mirrors. It is indeed more fraud.
Good news though is that these settlement games are leading to real settlements, even better than the first great depression. Wait upon the LORD and He will smite our enemies completely.
I cannot wait for the complete smiting by the Lord of our enemies. There are many evil entities hiding behind the scenes of this FINANCIAL TERROR MACHINE.
with all the fraud and scams from attorneys, banks, title companies courts and the cover up by the Government and the regulators, this wonderful country of ours is getting to be more like the Third Reich.
@Marilyn Lane: have you ever seen the history channel documentary entitled the “The Rise of the Fourth Reich.” The FOURTH REICH is who we are all dealing with right here, right now in real time. They wear a disguise and they are HIDDEN BEHIND THE SCENES OF THIS well planned PONZI SCHEME/ FINANCIAL HOLOCAUST IN AMERICA. THIS IS EXACTLY WHAT THE THIRD REICH DID DURING THE LAST GREAT DEPRESSION/WEIMAR GERMANY/RISE OF HITLER which caused WW2. THEY ARE A/K/A the UN/NEW WORLD ORDER, AND A/K/A THE REVIVED ROMAN EMPIRE/VATICAN/JESUIT/SMOM…
Waiting upon the Lord has a deeper meaning than just what you may think..we don’t just sit while we wait, we continue to trust Him and request His wisdom and guidance in what to do and how to do and lots more…He has been faithful to those who has done this so far…so those of you that are frustrated and all seems hopeless..this may be the time to transfer your faith to the God we speak of who will fight your battles for you…I speak again from experience and continued faith in what He continues to do in my own situation and that of others I have tried to help and from others who shared their testimonies in this fraudeclosure mess…we will continue to dwell in homes we have not built…another promise…