David Dayen: The Great Foreclosure Fraud
By David Dayen
Below is an excerpt from Chain of Title: How Three Ordinary Americans Uncovered Wall Street’s Great Foreclosure Fraud, published on May 17 by The New Press.
There is a rot at the heart of our democracy, rooted in a nagging mystery that has yet to be unraveled. It gnaws at people, occupies their thoughts, leaves them searching for answers in the chill of the night. Americans want to know why no high-ranking Wall Street executive has gone to jail for the conduct that precipitated the financial crisis.
The oddest thing about the predominance of the question is that everyone already assumes they know the answer. They believe that too many politicians, regulators, and law enforcement officials, bought off with campaign contributions or the promise of a future job, simply allowed banker miscreants to annihilate the law in pursuit of profit. But they must not like the explanation very much, because they keep asking why, as if they want to be proven wrong, to be given a different story.
Maybe they don’t like the implications of a government that lets Wall Street walk. It does too much violence to the conception of the country they have in their mind, with its ideals of justice and fairness. It explains the disempowerment people feel in the face of a rigged economic and political system, with differing standards of treatment depending on wealth and power. It engenders a loss of faith in core institutions, turning our democracy into a sideshow, where the real action happens offstage. It inspires people to don tricornered hats and protest crony capitalism, or pitch camp at the base of Wall Street and refuse to move. It generates a profound anxiety, for if bankers can bring the economy to the point of ruin and get away with it, what’s to stop them from doing it again? It makes our economy seem too fragile, our laws too impotent.
Or maybe people just want the details filled in, to confirm their suspicions, so they can point fingers at those who created this two-tiered system of accountability. There must be a set of facts that prove we’re living in a new Gilded Age, where holders of prodigious wealth guide government policy the way a string guides a marionette. There must be a smoking gun.
Be sure to check out the rest of the excerpt here…
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Here is the Amazon link, where they have Chain of Title: How Three Ordinary Americans Uncovered Wall Street’s Great Foreclosure Fraud in stock:
Or Barnes and Noble: http://www.barnesandnoble.com/w/chain-of-title-david-dayen/1122664859?ean=9781620971581
Or Powells: http://www.powells.com/book/chain-of-title-9781620971581/62-0
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[…] David Dayen: The Great Foreclosure Fraud […]
For those of us who watched entire neighborhoods go underwater, the most important thing is to prevent this from happening again. I plan to read the book while keeping a close eye on the presidential campaign. Today the presumed GOP nominee “slipped” and said he thought Dodd-Frank regulations should be removed. This is not good news.
Having lived through it and lost my home, the book is too painful for me to read even though 8 years have passed.
I’ll read it though even though it won’t bring my home back.
Much of the problem is that the judiciary refused to acknowledge the chain of title argument
I have a very similar reaction re the home in Salem that HSBC/OCWEN/AHMSI stole from and the $300k equity I had just been approved for reverse mortage (AAG) they made me a pauper now 77 dosabled vet. Bruce R Nelson, Banner Elk, NC (feel free to email me I have an extra ctying towel!
I really enjed the book excerpt. Apparently my email did not merit any type of reply. Thats ok, I’m pretty old and disabled naw and I know you can’t reply to every one. That siad I did enjor you excerpt and one day if I can afford I will use my old Amazon Prime acct to make purchase. Thanks fpr producing an informative site. Being an Qcwen vistim and continue to be beat up by their “ombudsman” dept for over 2 yrs after CFPD nailed Ocwen for fraud) and their financial partners )HSBC) a drug money launderer. I have learned to live with the fact I;ll never see a red cent in whats left of my life. Keep up your good work as you know millions of us have suffered under the anvil hammer of these two corrupt outfits.
God Bless
Bruce R Nelson
26 CPinetop Circle
Banner Elk, NC 28604