Gugno the Racket ….. Premier, Paramount, Pioneer JP Morgan Chase, Select Portfolio Servicing, Credit Suisse, Deutche Bank

PMF Inc. Gugno the Racket ….. Premier, Paramount, Pioneer JP Morgan Chase, Select Portfolio Servicing, Credit Suisse, Deutche Bank

918 Offices – 7000 + agents  TERMINATED 

https://entp.hud.gov/sfnw/public/lendinfo.cfm?RequestTimeout=500&lendlist=18492&lendstat=%27A%27%2C%20%27T%27%2C%20%27M%27&orderkey=mortgagee_status_code&varorder=DESC&report=BOTH&lender_type=t2

The  Flippin Dirt Dealing Daisy Chains of Subprime Predatory Mortgage Illegal Foreclosure and Money Laundering   CRIME SPREE  is unprecedented in World History

Dirt Dealing Daisy Chains and Dirt Bags

https://www.bing.com/search?q=To%20Big%20to%20Fail%20Money%20Laundering&qs=ds&form=QBRE

The Money Laundry Credit Suisse, JP Morgan, Deutsche Bank Shuffle https://www.bing.com/search?q=To%20Big%20to%20Fail%20Money%20Laundering&qs=ds&form=QBRE

The DIRTIEST BANKSTERS in Human History https://youtu.be/Zk5xXV_yCug

2:19-CV-005 Eastern District Tennessee …. US District Judge Clifton L. Corker …. THE ALLEGATIONS ARE EXTREMELY FACTUAL  /S/

The Trillions Looted  FINANCES  The Deep State and the  Swamp

youtube https://www.youtube.com/watch?v=2Zd3P1Ytvuk?version=3&rel=1&fs=1&autohide=2&showsearch=0&showinfo=1&iv_load_policy=1&wmode=transparent

America Sold Down the River  https://youtu.be/2Zd3P1Ytvuk

Massive new fraud coverup: How banks are pillaging homes …

https://http://www.salon.com/2014/04/23/massive_new_fraud_coverup_how_banks_are_pillaging…

Apr 23, 2014 · Massive new fraud coverup: How banks are pillaging homes — while the government watches When financial crimes go unpunished, the root problem of fraud never gets fixed — …

The Money flows from the  United States to Greece, Germany, Europe, Australia, Ice Land, Ireland, Dubai, the Caymans,  Panama and on and on and on ….  The  Mechanisms of the  GREAT AMERICAN LAUNDRY  are extremely far reaching.

Deutsche Bank, Credit Suisse and JP Morgans  CREEPY SLIMY PALS

918 Offices  TERMINATED over 7000+  Mortgage Agents  KICKED TO THE CURB

 IF YOU HAD A PULSE  YOU GOT A PREDATORY LOAN

Lets take a peek at the  Premier Mortgage Funding  GANG

918 Locations and more than 7,000  Agents   TERMINATED

More bad debt 

As a result, the nation could soon suffer a fresh wave of defaults and foreclosures, with Washington obliged to respond with yet another gargantuan bailout. Inside Mortgage Finance, a research and newsletter firm in Bethesda, Md., estimates that over the next five years fresh loans backed by the FHA that go sour will cost taxpayers $100 billion or more. That’s on top of the $700 billion financial-system rescue Congress has already approved. Gary E. Lacefield, a former federal mortgage investigator who now runs Risk Mitigation Group, a consultancy in Arlington, Tex., predicts: “Within the next 12 to 18 months, there is going to be FHA-insurance Armageddon.”

The resilient entrepreneurs who populate this dubious field are often obscure, but not puny. Jerry Cugno started Premier Mortgage Funding in Clearwater, on the Gulf Coast of Florida, in 2002. Over the next four years, it became one of the country’s largest subprime lenders, with 918  branches and 7,000+ brokers across the U.S. Cugno, now 59, took home millions of dollars and rewarded top salesmen with Caribbean cruises and shiny Hummers, according to court records and interviews with former employees. But along the way, Premier accumulated a dismal regulatory record. Five states — Florida, Georgia, North Carolina, Ohio, and Wisconsin — revoked its license for various abuses; four others disciplined the company for using unlicensed brokers or similar violations. The crash of the subprime market and a barrage of lawsuits prompted Premier to file for U.S. bankruptcy court protection in Tampa in July 2007. Then, in March, a Premier unit in Cleveland and its manager pleaded guilty to felony charges related to fraudulent mortgage schemes. 

But Premier didn’t just close down. Since it declared bankruptcy, federal records show, it has issued more than 2,000 taxpayer-insured mortgages — worth a total of $250 million. According to the FHA, Premier failed to notify the agency of its Chapter 11 filing, as required by law. In late October, an FHA spokesman admitted it was unaware of Premier’s situation and welcomed any information BusinessWeek could provide.

You’d think the government would have had Premier on a watch list. According to data compiled by the FHA’s parent, the U.S. Housing & Urban Development Dept. (HUD), the firm’s borrowers have a 9.2 percent default rate, the second highest among large-volume FHA lenders nationally.

Now, members of the Cugno family have started a brand new company called Paramount Mortgage Funding. It operates a floor below Premier’s headquarters in a three-story black-glass office building Jerry Cugno owns in Clearwater. In August 2007, only weeks after Premier sought bankruptcy court protection, the FHA granted Paramount a license to issue government-backed mortgages. “I am the only person in the country who really understands FHA,” Cugno says with characteristic bravado. 

One day recently, Nicole Cugno, his 27-year-old daughter and a Paramount vice-president, was on the phone at her desk, giving advice to new branch managers. Despite past troubles with Premier, the family says Paramount dutifully serves borrowers. The Cugnos stress that the two companies are legally separate organizations.

SEE

BusinessWeek Exposes the New Subprime – Columbia Journalism …

https://www.cjr.org/the_audit/businessweek_exposes_the_new_s.php

Nov 25, 2008 – Jerry Cugno started Premier Mortgage Funding in Clearwater, on the Gulf Coast of Florida, in 2002. … Five states—Florida, Georgia, North Carolina, Ohio, and Wisconsin—revoked its license for various abuses; four others …

HUD / FHA / FHFA  Please Produce the Investigation and Prosecution Files on this  FUBAR

Some caveats: Many lenders have similar names, and it’s easy to get confused scanning the data. Find the lender you want and search under its five-digit FHA license number. If a lender search comes up empty, then check if it’s licensed under a different company name. State corporation records can help.

Another critical piece of our reporting was showing how these companies operated as subprime players prior to expanding their FHA business. We combed through the PACER Web site of federal court records and found borrowers’ civil lawsuits and company bankruptcy filings. We dug up state enforcement actions and HUD audits that described sloppy or abusive lending practices.

The final step was drilling down on two lenders – Premier Mortgage Funding and Great Country Mortgage – that ultimately became central players in the story. Premier launched in 2002 and amassed 750 branches and 5,000 ( 918 and 7000 + )brokers across the country. Along the way, Premier had its license revoked in five states for various abuses, while another four states took disciplinary action against it. A barrage of lawsuits and the crash of the subprime market prompted Premier to seek bankruptcy court
protection in 2007, after which a company unit in Cleveland pleaded guilty to felony fraud charges. Not a pretty picture. But Terhune wasn’t sure Premier was worth further reporting at one point because the company was shutting down in bankruptcy court. Game over. Then he stumbled upon court filings that suggested Premier was shifting assets to a related family-run firm called Paramount Mortgage Funding. A quick
search confirmed that FHA had granted Paramount permission to extend government-guaranteed loans. A reporting visit to the Tampa area and interviews with Paramount officials made it clear these were many of the same people executing the same
playbook one floor below Premier’s old headquarters.

Chad Terhune and Robert Berner are senior writers for BusinessWeek. Terhune joined the magazine in 2008 after 11 years as a
Wall Street Journal reporter. He won a National Press Club award in
2003 for a series on health insurance abuses. Berner joined the
magazine in 2000 after working for The Wall Street Journal.
He and three colleagues received the 2008 Barlett and
Steele Award for Investigative Reporting for a series on
consumer debt.

HUD / FHA MRB Publications THE CUGNO MAFIA

SwampFox <notjuris@gmail.com>	4:38 PM (2 minutes ago) 6-12-19
to fedreg.info, Jacqueline

I need all the  Federal Register  ACTIONS  Publications  for the  HUD  FHA  Actions taken against  Premier Mortgage Funding

see    https://entp.hud.gov/sfnw/public/lendinfo.cfm?RequestTimeout=500&lendlist=18492&lendstat=%27A%27%2C%20%27T%27%2C%20%27M%27&orderkey=mortgagee_status_code&varorder=DESC&report=BOTH&lender_type=t2

ALSO  this  CUGNO  GROUP  had  Paramount and Pioneer  Mortgage Funding and likely others involving GERALD  SCOTT CUGNO .

Please advise where the records for  THIS MORTGAGE  GANG  can be accessed

https://entp.hud.gov/sfnw/public/lendinfo.cfm?RequestTimeout=500&lendlist=18492&lendstat=%27A%27%2C%20%27T%27%2C%20%27M%27&orderkey=mortgagee_status_code&varorder=DESC&report=BOTH&lender_type=t2

Judson Witham

NotJuris@GMail.com

YOUR KEY MORTGAGE, INC. / Cugno Gerald S

https://florida.intercreditreport.com/company/your-key-mortgage-inc-p04000100666

The YOUR KEY MORTGAGE, INC. principal adress is 2502 NORTH ROCKY POINT DR., SUITE 100, TAMPA, FL, 33607. Meanwhile you can send your letters to 2502 NORTH ROCKY POINT DR., SUITE 100, TAMPA, FL, 33607. The company`s registered agent is CUGNO GERALD S …

Gerald Cugno in Tampa, FL – Bizapedia Profile

https://www.bizapedia.com/people/florida/tampa/gerald–cugno.html

Gerald Scott Cugno is listed as an Owner with Progressive Insurance & Mortgage in Florida. The address on file for this person is 1120 E Kennedy Blvd 1411, Tampa, FL 33602 in Hillsborough County. The company is a Florida Fictitious Name, which was filed on March 27, 2009.

• Occupation: Owner

• Location: 1120 E Kennedy Blvd 1411, Tampa, 33602,

FHA-Backed Loans: The Next Subprime Crisis Looms – SPIEGEL …

https://http://www.spiegel.de/international/business/fha-backed-loans-the-next-subprime…

Jerry Cugno started Premier Mortgage Funding in Clearwater, on the Gulf Coast of Florida, in 2002. … to two counts of wire fraud related to a mortgage scam at another company his family ran …

[PDF]

STATE OF ILLINOIS DEPARTMENT OF FINANCIAL AND

http://www.idfpr.com/Banks/RESFIN/Discipline/2009/2009-MBR-194.pdf

PREMIER MORTGAGE FUNDING ) License No. MB.6759041 ) Attention: Gerald Cugno ) 3001 Executive Drive, Suite 330 ) Clearwater, FL 33762 ) ORDER REVOKING LICENSE The DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION, Division of Banking (the “Department”), having investigated the activities conducted by Premier Mortgage Funding (the

Gerald Scott Cugno :: Florida Middle Bankruptcy Court .

https://www.plainsite.org/…/2mac356ah/florida-middle-bankruptcy-court/gerald-scott-cugno

Gerald Scott Cugno, Case No. 8:08-bk-13724 in the Florida Middle Bankruptcy Court. … days may be added if the Motion is served by U.S. Mail. Filed by David G Cornell on behalf of Creditor Carrington Mortgage Services (Attachments: 1 Exhibit Note, Mortgage, Affidavit) (Cornell, David) Modified on 9/29/2008 (Kathy). … Statement of Income and …

Deutsche Bank, Maxine Waters and Donald Trump Vol 1 – Mad …

maddogpac.com/blogs/spicy-files/deutsche–bank-maxine-waters-and-donald-trump

But as Deutsche Bank now acknowledges, the bank’s own reviews confirmed that “aggressive” revisions to the loan originators’ underwriting guidelines allowed for loans to be underwritten to anyone with “half a pulse.” More generally, Deutsche Bank knew, based on the results of due diligence, that for some securitized loan pools, more than 50 percent of the loans subjected to due diligence did not meet loan originators’ guidelines.

As Banksters WALTZ OFF WITH TRILLIONS https://youtu.be/FTnRbLBOIe8

SwampFox <notjuris@gmail.com>	7:11 PM (2 hours ago)
to CFPB_FOIA, CFPB_FOIA, Jacqueline, Kim, Esq., Gerry, FOIA

Dear  Sheila Peden,

 

Cugno and the others all acted together.  The information is for the ENTIRE  Group of  SCAMMERS.    The  Baiting of Consumers done with  ZERO DOWN 125%   Subprime   Predatory   EASY CREDIT   Racketeering.   The REALITY of  BILLIONS in Fines against Deutsche  Bank and JP  Morgan is very simple ….  From A to Z  the  WHOLE GANG premeditated all the  Deception and Lies.   YES I insist the information be released on the  WHOLE  GANG /  MAFIA involving these  PERPETRATORS.

 

These  SAME  DOGS fixed the LIBOR and GOLD MARKETS and have been fined many BILLIONS  for  Lies, Fraud and Scheming against the US  Government.    Laundering Hundreds of Billions of Dollars is done through  SUBPRIME LENDING ….   I am demanding all the  Records, Investigations and Information on the WHOLE GANG.    There were many BILLIONS in Fines levied and VAST AMOUNTS of Money Laundering ….  The Real Estate Racket and the Money Laundering are directly connected.

 

SEE …..    https://www.bing.com/search?q=churning%20money%20laundering%20predatory%20mortgages&qs=ds&form=QBRE

 

THANKS

 

J. Witham

Whist;e Blower

America Looted an INSIDE JOB

So many many People tried to INSINUATE I was simply CRAZY ….  Well Folks that was ALWAYS  a  huge load of MANURE …..   JBW

PHUCK FBI and DOJ as well as FHA / HUD and the CFPB. All of these A$$WIPES are covering up and concealing, whitewashing and hiding Files and Records on America’s Massive Financial FIASCO …. See

BING.COM

Real Estate Fraud Bank Looting Subprime JUDSON WITHAM – Bing

Intelligent search from Bing makes it easier to quickly find what you’re looking for and rewards you.

The goal of your business is not to sell to people who can afford them but instead to sell to people who cannot afford them and therefore reap the additional benefits of forfeiture and default, that “high risk” is sort of the point and something very much to be desired.

FBI and DOJ with Secret Service are 100% CORRUPT AS ALL HELL …..https://www.bing.com/search…

UBS HSBC Mortgage Fraud Money Laundering – Bing

Predatory Lending: Laws & Unfair Credit Practices

https://www.debt.org/credit/predatory-lending

Loan churning usually works like this: The lender makes a loan the borrower can’t afford. The borrower fails to pay the loan back on time, so the lender offers a new loan that includes another set of …

Lending Money to Bet on Default – Bloomberg

https://http://www.bloomberg.com/…/lending–money-to-bet-on-default

Oct 24, 2018 · Lending Money to Bet on Default. Also commodities insider trading, Tesla and lottery tickets. By . … Russian Money–Laundering Scandal. Deutsche Bank Seeks to Break Vicious Circle as .

Money Laundering Schemes in Real Estate – Corporate Compliance …

https://www.corporatecomplianceinsights.com/money-laundering-schemes-in-real-esta…

Feb 17, 2016 – real estate still a key avenue for money laundering … Meaning: to apply for a mortgageto buy the property, then settling the mortgage in full …

Money Laundering and Mortgage Fraud – Wolters Kluwer

https://www.cch.com/press/news/CCHWhitePaper_Fraud.pdf

Money Laundering and Mortgage. Fraud: The Growth of a Merging. Industry. Katalina M. Bianco, J.D., CCH Writer Analyst, Subprime, Mortgage, and …

Financial Derivatives

 – Page 370

https://books.google.com/books?id=fE73CXRX7R8C

Preview

Predatory lending is a pejorative term used to describe unfair, deceptive, or fraudulent practices of some lenders during … such as a car or house, so that if the borrower defaults on the loan, the lender can repossess or foreclose and profit by

Money Laundering and Your Bank Accounts – Part VI – Loans

offshoreinc.net/wordpress/money–laundering-bank-accountsi-loans

Laundering Money Through Lending Activity. Money launderers course massive sums through loans and investments. Bank authorities must perform significant due diligence to detect money laundering in these cases. To top that off, some governments try to discourage detection of such money laundering activities through legislation and regulation.

Deutsche Bank shares slip on reports of investigation over Danske Bank

https://www.cnbc.com/…/shares-in-deutsche-bank-slip-on-reports-of-fed-investigation…

14 hours ago – Shares of Deutsche Bank slid more than 1 percent in early trading on reports that the U.S. Federal Reserve is investigating the German lender’s …

Fed said to probe Deutsche Bank over suspicious … – American Banker

https://www.americanbanker.com/…/fed-said-to-probe-deutsche-bank-over-suspicious…

7 hours ago – The Federal Reserve is examining how Deutsche Bank handled billions of dollars in suspicious transactions from Denmark’s leading lender, …

Danske Bank scandal: Federal Reserve probes Deutsche Bank …

https://www.businessinsider.com/danske-bank-scandal-federal-reserve-probes-deutsch…

The Fed is probing Deutsche Bank over billions in suspicious transactions in another twist in the Danske Bank money laundering scandal. … The US Federal Reserve is investigating how Deutsche Bank handled billions suspicious payments from Danske Bank, as regulators try to unravel who …

Deutsche faces questions from authorities investigating Danske …

https://www.reuters.com/…deutsche-bank…/deutsche-faces-questions-from-authorities-…

15 hours ago – Deutsche Bank said on Wednesday it had received requests for … said the U.S. FederalReserve was investigating Deutsche Bank’s role in the Danske scandal. … The Fed’s probe is at an early stage, Bloomberg said, citing …

Fed Said to Probe Deutsche Bank Over Suspicious … – Bloomberg

https://www.bloomberg.com/…/fed-is-said-to-probe-deutsche-bank-over-suspicious-d…

18 hours ago – The Federal Reserve is examining how Deutsche Bank AG handled billions of dollars in suspicious transactions from Denmark’s leading lender …

Fed to Probe Deutsche Bank Over Suspicious Danske Billions

https://www.thedailybeast.com/fed-to-probe-deutsche-bank-over-suspicious-danske-bi…

The Federal Reserve is investigating Deutsche Bank’s involvement in billions of dollars of suspicious transactions from Denmark’s leading lender, Bloomberg …

Fed to probe Deutsche Bank over Danske: report – MarketWatch

https://www.marketwatch.com › Industries › Banking

15 hours ago – –The U.S. Federal Reserve has launched an investigation into how Deutsche Bankhandled billions of dollars in suspicious transactions from …

• Credit Default Swaps Archives – Securities Fraud Attorney

  https://www.investorlawyers.com/blog/category/credit-default-swaps

  Churning; Breach of Fiduciary Duty; … Exchange Commission is looking into whether financial firms colluded together so that prices in the $6 trillion credit default swaps indexes market became skewed. … Goldman Sachs Faces Criminal Fraud Charges in Malaysia and UBS is Fined $15M Over Poor Anti-Money Laundering Detection Systems and …

  Understanding Consumer Financial Behavior: Money Management in an …

   

  https://books.google.com/books?isbn=1137544252

  

  W. Fred van Raaij – 2016 – ‎Preview – ‎More editions

  Predatory lending can be defined as imposing unfair and abusive loan terms on borrowers. Payday … If borrowers default on the loan, lenders repossess or foreclose, and profit by selling the repossessed or foreclosed (collateral) property.

  Dealers’ repeat sales of same used car surprisingly common …

  articles.latimes.com/2012/aug/15/business/la-fi-boomerang-cars…

  Aug 15, 2012 · Dealers’ repeat sales of same used car surprisingly common From mid-2008 to this April, 862 licensed used-car dealers in California — about 1 in 8 — sold at least one vehicle three or more times, The Times has found.

  What is “mortgage churning” and how does it affect VA …

  https://connectingvets.radio.com/articles/what-mortgage-churning…

  In essence, the message was this: the predatory practice of mortgage churning must come to an end. The announcement was lauded by veterans organizations, in particular the American Legion, which made addressing the mortgage churning issue one of their top legislative priorities for 2018

• Investigation Finds Car Dealers Basically … – Consumerist

  https://consumerist.com/2012/08/15/investigation-finds-car-dealers…

  Investigation Finds Car Dealers Basically Setting Customers Up To Fail So They Can Repossess & Resell Vehicles 8.15.12 5:00 PM EDT By Mary Beth Quirk @marybethquirk fear the repo used car dealerships

• Loan sharks were meant to be eradicated. Now they’re back …

  https://http://www.theguardian.com/commentisfree/2017/aug/23/loan–sharks…

  Loan sharks were meant to be eradicated. Now they’re back. Instead, they transfer them to potential buyers through “contract for deed” transactions – sometimes marketed as “rent to buy”, “seller financing”, or “installment land contracts”. These are not inherently predatory, but …

• Private Equity: The New Neighborhood Loan Sharks

  prospect.org › Politics › Poverty & Wealth

  Beryl Satter, whose father was a white attorney who fought against contract-for-deed loan sharks, estimates that 85 percent of properties sold to blacks during these same years were on contract. Her 2009 book, Family Properties: How the Struggle over Race and Real Estate Transformed Chicago and Urban America , is the definitive history of the Contract Buyers League.

TRANSPARENCY IS NOT AN OPTION

4155.1 1.B.1.g
Contents of the
Mortgage Loan
Application
Package

     The mortgage loan application package must contain all documentation that supports the lender’s decision to approve the mortgage loan.

     When standard documentation does not provide enough information to
support the approval decision, the lender must provide additional, explanatory
statements that are consistent with information in the application. The
explanatory statements must clarify or supplement the documentation
submitted by the borrower.

by  AJAX International News  “WE GET THE STAINS OUT”

The  REAL  NATIONAL EMERGENCY

THE  ACTUAL THREAT TO AMERICAN SOVEREIGNTY AND NATIONAL SECURITY

THE NEVER ENDING STORY

Select Portfolio Services, JP Morgan Chase, Deutsche Bank and the  PMF Inc. MAFIA

Turn Your Sound Level  Down 

Adjust Your Sound For BEST  Enjoyment

The Mortgage Racketeering Mafias

YOUTUBE.COM

Turn Your Sound Level  Down ….  Adjust Your Sound For BEST  Enjoyment

BEWARE The SUBPRIME Mortgage Racketeers

THEY BROKE ALL  THE RULES 

SFH Handbook 4000.1 | HUD.gov / U.S. Department of Housing …

Consolidated: Hundreds of FHA Handbooks, Mortgagee Letters, Housing Notices, and other policy documents have been consolidated into this single source. This eliminates the need for mortgagees and other stakeholders in FHA transactions to search through multiple stand-alone policy documents to find precise and current policy information.

https://www.hud.gov/program_offices/housing/sfh/handbook_4000-1

Holding the Mortgage Industry Accountable | HUD.gov / U.S …

https://www.hud.gov/hmia

HUD‘s Office of the Inspector General can also investigate allegations of improper lending and servicing behavior in the housing market. In the most …

 Audit of the Department of Justice’s Efforts to Address …

an important role in combating mortgage fraud through civil litigation and criminal investigation and prosecution. The objective of this audit was to assess DOJ’s approach and enforcement efforts in addressing mortgage fraud generally between fiscal years (FY) 2009 and 2011.

https://oig.justice.gov/reports/2014/a1412.pdf

Gerald Cugno – Previous Chairman for Premier Mortgage Funding …

Gerald Cugno Overview Gerald Cugno has been associated with seven companies, according to public records. The companies were formed over a ten year period with the most recent being incorporated six years ago in June

https://www.corporationwiki.com/Florida/Clearwater/gerald-s-cugno-P216183.aspx

Deutsche Bank  Donald Trump’s  Sugar  Daddy

Towers of Secrecy: Piercing the Shell Companies – The New …

https://http://www.nytimes.com/news-event/shell-company-towers-of-secrecy…

Articles in this series examine shell companies masking real estate deals. … in Manhattan and Miami-Dade County as part of a broader federal effort to focus on money laundering in real estate.

• U.S. cracks down on money laundering in real estate

  https://http://www.miamiherald.com/news/business/real–estate-news/article…

  Tobon, of Homeland Security, said roughly 50 percent of his investigations involve money launderingthrough real estate. The new order takes effect on Sept. 22 and expires on March 20, 2018.

  Toronto real estate is vulnerable to money laundering …

  http://www.thestar.com › News › Investigations

  Toronto’s booming real estate market is vulnerable to money laundering because real estate agents aren’t notifying authorities of suspicious property transactions, leading the national anti …

• A Focus on Residential Real Estate and Money Laundering …

  http://www.compliancebuilding.com › Anti-Money Laundering

  A Focus on Residential Real Estate and Money Laundering The Financial Crimes Enforcement Network announced the issuance of revised Geographic Targeting Orders. The threshold for reporting has been reduced down to $300,000 for all-cash purchases of residential real estate.

• Why Real Estate is used to Launder Money(Not a “How To …

  http://www.youngrealty.ca/blog/real–estate-used-launder-money

  Real estate is an easy vehicle through which to disguise the origins of funds as it is easy to buy real estate with cash and to disguise the real ownership of the asset. It is relatively uncomplicated compared to other laundering strategies. A typical way to launder money through real estate is to merely use a …

• How is money laundering done through real estate? – Quora

  https://www.quora.com/How-is-money–laundering-done-through-real–estate

  A real estate transaction can be used in any one of the the stages of money laundering. For example, if an individual purchases a home and uses illegal funds as part of the down payment, this would be considered integration.

• [PDF]

  Strategic analysis brief Money laundering through real estate

  https://www.stjornarradid.is/…/moneylaunderingthroughrealestate.pdf

  Money laundering through eal r estate 5 The use of real estate is an established method of money laundering internationally.1 Criminals buy high-value goods such as real estate as a way of launderingor concealing illicit funds.

• [PDF]

  Money Laundering in Real Estate – traccc.gmu.edu

  traccc.gmu.edu/wp-content/uploads/2018/10/2018-MLRE-Report.pdf

  Money laundering risks in the U.S. real estate sector The United States is one of the easiest places in the world to establish an anonymous company. Currently, no U.S. state collects information about beneficial owners of shell companies, which are often used as money laundering tools and fronts for sanctioned countries and individuals.

• Know Your Buyer: Governments act against money laundering …

  https://www.riskscreen.com/kyc360/article/know-your-buyer-global…

  The primary money laundering risk for the real estate industry is lack of transparency, specifically with regards to cash transactions and purchases by ever-problematic shell companies. Residual effects of realproperty purchased with illegal funds include artificial real estate market inflation and higher costs of living, especially in dense …

• [PDF]

  Anti-Money Laundering Guidelines for Real Estate Professionals

  https://www.narfocus.com/billdatabase/clientfiles/172/4/1695.pdf

  Anti-Money Laundering Guidelines for Real Estate Professionals Use of large amounts of cash. o Buyer brings actual cash to the closing. o The purchase of a property without a mortgage, where it does not match the characteristics of the buyer.

• Money Laundering and Real Estate: Why the Real Estate …

  https://accuity.com/resources/money–laundering-and-real–estate-why…

  Money Laundering and Real Estate: Why the Real Estate Sector Should Prepare for RegulationRegulators and governments are increasing their focus on the real estate …

• ‘Corrupt Elite’ Laundering Money In Canadian Housing …

  https://http://www.huffingtonpost.ca/2017/03/31/money–laundering–real…

  The report noted that money–laundering through real estate is growing increasingly popular. “Large amounts of money can be legitimized at once, maintaining or increasing its value. Investments in …

• Trump’s World of Luxury Real Estate Is Fueled By Money …

  https://www.acslaw.org/acsblog/trumps-world-of-luxury-real–estate…

  August 31, 2017. Private: Trump’s World of Luxury Real Estate Is Fueled By Money-Laundering

• Money laundering through real estate hits $1.6 trillion …

  https://www.banklesstimes.com/2017/12/22/money–laundering–real…

  Money laundering through real estate hits $1.6 trillion Canada is not alone when it comes to weak enforcement of money laundering through real estate, Accuity’s global head of …

• Real estate, horse racing, luxury cars: Fight against …

  https://www.citynews1130.com/2018/09/27/real–estate-horse-racing…

  VICTORIA (NEWS 1130) – First casinos, now real estate, horse racing and luxury cars. The fight against money laundering in B.C. has expanded to include …

• U.S. Will Track Secret Buyers of Luxury Real Estate – The …

  https://http://www.nytimes.com/2016/01/14/us/us-will-track-secret-buyers…

  Jan 14, 2016 · Will Track Secret Buyers of Luxury Real Estate. Image. … The F.B.I. has in recent months created a new unit to focus on money laundering, and real estate …

PMF, INC. / PARAMOUNT MORTGAGE FUNDING, INC. / Cugno Scott

The PMF, INC. principal adress is 142 W. PLATT ST STE 118, TAMPA, FL, 33606. Meanwhile you can send your letters to 142 W. PLATT ST STE 118, TAMPA, FL, 33606. The company`s registered agent is CUGNO SCOTT 142 W. PLATT ST STE 118, TAMPA, FL, 33606. The company`s management are President – Cugno Scott.

https://florida.intercreditreport.com/company/pmf-inc-p04000127177

PARAMOUNT MORTGAGE FUNDING INC. / Cugno Nicole

PARAMOUNT MORTGAGE FUNDING INC. has been set up 10/2/2007 in state FL. The current status of the business is Inactive. The PARAMOUNT MORTGAGE FUNDING INC. principal adress is 2575 ULMERTON RD., 250, CLEAWATER, FL, 33762. Meanwhile you can send your letters to 2575 ULMERTON RD., 250, CLEAWATER, FL, 33762.

https://florida.intercreditreport.com/company/paramount-mortgage-funding-inc-p07000108838

Mortgage File Audit Procedures | Chron.com

A mortgage audit looks at your application, review and funding procedures to make sure all applicable laws are followed, all data are accurate and the credit risk was acceptable.

https://smallbusiness.chron.com/mortgage-file-audit-procedures-76035.html

PMF SETTLEMENT SERVICES, INC. / Cugno Roland

PMF SETTLEMENT SERVICES, INC. has been set up 11/23/2005 in state FL. The current status of the business is Inactive. The PMF SETTLEMENT SERVICES, INC. principal adress is 3001 EXECUTIVE DRIVE, CLEARWATER, FL, 33762. Meanwhile you can send your letters to 3001 EXECUTIVE DRIVE, CLEARWATER, FL, 33762.

https://florida.intercreditreport.com/company/pmf-settlement-services-inc-p05000155392

Kenneth A Welt, Trustee  Represented by Buchanan Ingersoll & Rooney, PC Name Phone Fax E-Mail Darren David Farfante +1 813 222 1136 +2298 229 229 8313 darren.farfante@bipc.com Official Committee of Unsecured Creditors, Creditor Committee  Represented by Law Offices of Roberta A Colton Name Phone Fax E-Mail Roberta A Colton +1 813 227 7486 +1 813 229 6553  Represented by Trenam Kemker Scharf Barkin Frye O’Neill & Mullis, PA Name Phone Fax E-Mail Lara Roeske Fernandez +1 813 223 7474 +1 813 229 6553 Michael P. Horan +1 727 896 7171 +1 727 822 8048 Premier Mortgage Funding, Inc., Debtor  Represented by Kruk & Dough, PL Name Phone Fax E-Mail Grayden M Dough +1 727 798 2280  Represented by Law Offices of Buddy D. Ford Name Phone Fax E-Mail Buddy D. Ford +1 813 877 4669 +1 813 877 5543 United States Trustee – TPA, 11, U.S. Trustee  Represented by Timberlake Annex Name Phone Fax E-Mail Benjamin E. Lambers +1 813 228 2000

Entries (87) Calendar Events Related (0) Tools Need legal research help? Let us know!  87 Filed: 8/2/2007, Entered: None Motion to Assume Executory Contract w/ American Mortgage Network, dba Vertice and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 08/02/2007)  Request  86 Filed: 8/2/2007, Entered: None Motion to Assume Executory Contract w/ National City Mortgage, dba Allegiant and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 08/02/2007)  Request  85 Filed: 8/2/2007, Entered: None Motion to Assume Executory Contract w/ Act Lending Corporation and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 08/02/2007)  Request  84 Filed: 8/2/2007, Entered: None Motion to Assume Executory Contract w/ Accredited Home Lenders, Inc. and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 08/02/2007)  Request  83 Filed: 8/2/2007, Entered: None Motion to Assume Executory Contract w/ Alliance Bankcorp and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 08/02/2007)  Request  82 Filed: 7/30/2007, Entered: None Notice of Appearance and Request for Notice Filed by Tina M Talarchyk on behalf of Creditor Decision One Mortgage, LLC. (Lidia) (Entered: 08/02/2007)  Request  81 Filed: 8/2/2007, Entered: None Motion to Assume Executory Contract w/ The Mortgage Firm, dba Alternative Mortgage Solutions & Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 08/02/2007)  Request  80 Filed: 7/30/2007, Entered: None Request for Notice and Reservation of Rights Filed by F. Stephen Collins on behalf of Creditor WestAmerica Mortgage Company. (Lidia) (Entered: 08/02/2007)  Request  79 Filed: 8/1/2007, Entered: None Notice of Continued Hearing on Debtor’s Motion to Assume Executory Contract with Irwin Home Equity Corporation (related document(s)20, 32). Hearing scheduled for 8/23/2007 at 01:30 PM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Lidia) (Entered: 08/01/2007)  Request  78 Filed: 8/1/2007, Entered: None Notice of Preliminary Hearing on Debtor’s Motion for Authority to Pay Pre-Petition Wages Nunc Pro Tunc and Request for Expedited Hearing (related document(s)74). Hearing scheduled for 8/23/2007 at 01:30 PM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Lidia) (Entered: 08/01/2007)  Request  77 Filed: 7/28/2007, Entered: None BNC Certificate of Mailing – PDF Document. (related document(s) (Related Doc # 71)). Service Date 07/28/2007. (Admin.) (Entered: 07/29/2007)  Request  76 Filed: 7/28/2007, Entered: None BNC Certificate of Mailing – PDF Document. (related document(s) (Related Doc # 70)). Service Date 07/28/2007. (Admin.) (Entered: 07/29/2007)  Request  75 Filed: 7/28/2007, Entered: None BNC Certificate of Mailing – PDF Document. (related document(s) (Related Doc # 69)). Service Date 07/28/2007. (Admin.) (Entered: 07/29/2007)  Request  74 Filed: 7/27/2007, Entered: None Motion for Authority to Pay Pre-Petition Wages Nunc Pro Tunc and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 07/27/2007)  Request  73 Filed: 7/26/2007, Entered: None Certificate of Service Re: Notice of Appearance and Motions To Apear Pro Hac Filed by Tina M Talarchyk on behalf of Creditor Decision One Mortgage, LLC (related document(s)67, 66). (Talarchyk, Tina) (Entered: 07/26/2007)  Request  72 Filed: 7/26/2007, Entered: None Amended Notice of NON-EVIDENTIARY Hearing Filed by Brian A McDowell on behalf of Creditor Banco Popular North America (related document(s)60). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (McDowell, Brian) (Entered: 07/26/2007)  Request  71 Filed: 7/26/2007, Entered: None Order Granting Emergency Motion For Relief From Stay in favor of Paychex Business Solutions, Inc.; agreement terminated as of 7/23/2007 at 5:00 p.m. (Related Doc # 37) Signed on 7/26/2007. (Lidia) (Entered: 07/26/2007)  Request  70 Filed: 7/26/2007, Entered: None Order Granting Motion To Appear pro hac vice for Michael L. Molinaro, Esq. as counsel for Decision One Mortgage, LLC (Related Doc # 66). Signed on 7/26/2007. (Celli, Lidia ) Modified on 7/26/2007 (Lidia). (Entered: 07/26/2007)  Request  69 Filed: 7/26/2007, Entered: None Order Granting Motion To Appear pro hac vice for Stanley F. Orszula, Esq. as counsel for Decision One Mortgage, LLC(Related Doc # 67). Signed on 7/26/2007. (Celli, Lidia ) Modified on 7/26/2007 (Lidia). (Entered: 07/26/2007)  Request  68 Filed: 7/26/2007, Entered: None Notice of Hearing (Telephonic) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)63). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Ford, Buddy) (Entered: 07/26/2007)  Request  67 Filed: 7/26/2007, Entered: None Motion to Appear pro hac vice for Stanley F. Orszula Filed by Tina M Talarchyk on behalf of Creditor Decision One Mortgage, LLC (Attachments: 1 Exhibit A Proposed Order Admitting Pro Hac) (Talarchyk, Tina) (Entered: 07/26/2007)  Request  66 Filed: 7/26/2007, Entered: None Motion to Appear pro hac vice for Michael L. Molinaro Filed by Tina M Talarchyk on behalf of Creditor Decision One Mortgage, LLC (Attachments: 1 Exhibit A Proposed Order Admitting Pro Hac) (Talarchyk, Tina) (Entered: 07/26/2007)  Request  65 Filed: 7/25/2007, Entered: None Notice of Appearance and Request for Notice Filed by Tina M Talarchyk on behalf of Creditor Decision One Mortgage, LLC. (Talarchyk, Tina) (Entered: 07/25/2007)  Request  64 Filed: 7/25/2007, Entered: None Motion to Assume Executory Contract Freedom Mortgage and Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 07/25/2007)  Request  63 Filed: 7/25/2007, Entered: None Motion to Assume Executory Contract w/ MortgageIT, Inc. and Request for Expedited Hearing Filed by Mara B. Mandell on behalf of Debtor Premier Mortgage Funding, Inc. (Mandell, Mara) (Entered: 07/25/2007)  Request  62 Filed: 7/25/2007, Entered: None Notice of Appearance and Request for Notice Filed by Leonard H Gilbert on behalf of Creditor MortgageIT, Inc.. (Gilbert, Leonard) (Entered: 07/25/2007)  Request  61 Filed: 7/25/2007, Entered: None Notice of Hearing Telephonic Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)36, 46). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Ford, Buddy) (Entered: 07/25/2007)  Request  60 Filed: 7/23/2007, Entered: None Notice of Evidentiary Hearing Filed by Brian A McDowell on behalf of Creditor Banco Popular North America (related document(s)54, 52). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Attachments: 1 Certificate of Service) (McDowell, Brian) (Entered: 07/23/2007)  Request  59 Filed: 7/23/2007, Entered: None Notice of Appearance and Request for Notice Filed by Ronald B. Cohn on behalf of Interested Party Suntrust Mortgage, Inc.. (Cohn, Ronald) (Entered: 07/23/2007)  Request  58 Filed: 7/23/2007, Entered: None Notice of Appearance and Request for Notice Filed by Christian A Petersen on behalf of Creditor Washington Mutual. (Petersen, Christian) (Entered: 07/23/2007)  Request  57 Filed: 7/20/2007, Entered: None BNC Certificate of Mailing – PDF Document. (related document(s) (Related Doc # 42)). Service Date 07/20/2007. (Admin.) (Entered: 07/21/2007)  Request  56 Filed: 7/20/2007, Entered: None Notice of Appearance and Request for Notice Filed by Angelina E Lim on behalf of Creditor Johnson Pope Bokor et al. (Lim, Angelina) (Entered: 07/20/2007)  Request  55 Filed: 7/20/2007, Entered: None Certificate of Necessity for Request for Emergency Hearing for Motion Relief From The Automatic Stay Filed by Samuel J Zusmann Jr on behalf of Creditor Banco Popular North America (related document(s)52). (Zusmann, Samuel) (Entered: 07/20/2007)  Request  54 Filed: 7/20/2007, Entered: None Emergency Motion to Prohibit Use of Property Filed by Samuel J Zusmann Jr on behalf of Creditor Banco Popular North America (Attachments: 1 Exhibit A, Purchase Agreement2 Certificate of Service) (Zusmann, Samuel) Modified on 7/20/2007 (Debbie). (Entered: 07/20/2007)  Request  53 Filed: 7/20/2007, Entered: None Certificate of Necessity for Request for Emergency Hearing Filed by Samuel J Zusmann Jr on behalf of Creditor Banco Popular North America (related document(s)54). (Zusmann, Samuel) Modified on 7/20/2007 (Debbie). (Entered: 07/20/2007)  Request  52 Filed: 7/20/2007, Entered: None Emergency Motion for Relief from Stay. (Fee Paid) Filed by Samuel J Zusmann Jr on behalf of Creditor Banco Popular North America (Attachments: 1 Exhibit A, Purchase Agreement2 Certificate of Service) (Zusmann, Samuel) Modified on 7/20/2007 (Debbie). Modified on 7/26/2007 (Lidia). (Entered: 07/20/2007)  Request  51 Filed: 7/19/2007, Entered: None Schedules A – H, Busines Income & Expenses, together with Summary of Schedules; Statement of Financial Affairs; and List of Equity Security Holders Filing Fee Not Paid or Not Required. Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc.. (Attachments: 1 Summary of Schedules2 Schedule A 3 Schedule B 4 Schedule C 5 Schedule D 6 Schedule E 7 Schedule F 8 Schedule G 9 Schedule H 10 Statement of Current Monthly Income 11 Declaration for Summary of Schedules, Schedules A-H and Business Income & Expenses12 Statement of Financial Affairs 13 List of Equity Security Holders) (Ford, Buddy) (Entered: 07/19/2007)  Request  50 Filed: 7/19/2007, Entered: None Chapter 11 Case Management Summary Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc.. (Ford, Buddy) (Entered: 07/19/2007)  Request  49 Filed: 7/19/2007, Entered: None Notice of Appearance and Request for Notice Filed by United States Trustee – TPA. (Lambers, Benjamin) (Entered: 07/19/2007)  Request  48 Filed: 7/18/2007, Entered: None Notice of Appearance and Request for Notice Filed by Jeffrey W Warren on behalf of Creditor Paychex Business Solutions, Inc.. (Warren, Jeffrey) (Entered: 07/18/2007)  Request  47 Filed: 7/18/2007, Entered: None Notice of Emergency Hearing on Paychex Business Solutions, Inc.’s Emergency Motion for Relief from the Automatic Stay Filed by Adam L Alpert on behalf of Creditor Paychex Business Solutions, Inc. (related document(s)37). Hearing scheduled for 7/23/2007 at 01:30 PM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Alpert, Adam) (Entered: 07/18/2007)  Request  46 Filed: 7/18/2007, Entered: None Objection to Motion To Conduct 2004 Examination and Request for Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)36). (Ford, Buddy) (Entered: 07/18/2007)  Request  45 Filed: 7/18/2007, Entered: None Notice of Appearance and Request for Notice Filed by Edward M Fitzgerald on behalf of Creditor Banco Popular North America. (Attachments: 1 Certificate of Service) (Fitzgerald, Edward) (Entered: 07/18/2007)  Request  44 Filed: 7/18/2007, Entered: None Notice of Appearance and Request for Notice Filed by Samuel J Zusmann Jr on behalf of Creditor Banco Popular North America. (Attachments: 1 Certificate of Service) (Zusmann, Samuel) (Entered: 07/18/2007)  Request  43 Filed: 7/18/2007, Entered: None Notice of Appearance and Request for Notice Filed by Leonard H Gilbert on behalf of Creditor Banco Popular North America. (Attachments: 1 Certificate of Service) (Gilbert, Leonard) (Entered: 07/18/2007)  Request  42 Filed: 7/18/2007, Entered: None Order Approving Application to Employ Buddy D. Ford, P.A. as counsel for Debtor-In-Possession (Related Doc # 14). Signed on 7/18/2007. (Lidia) (Entered: 07/18/2007)  Request  41 Filed: 7/18/2007, Entered: None Notice of Appearance and Request for Notice Filed by Brian A McDowell on behalf of Creditor Banco Popular North America. (McDowell, Brian) (Entered: 07/18/2007)  Request  40 Filed: 7/18/2007, Entered: None Amended Certificate of Service Re: Emergency Motion for Relief from the Automatic Stay and Certificate of Necessity of Request for an Emergency Hearing Filed by Adam L Alpert on behalf of Creditor Paychex Business Solutions, Inc. (related document(s)38, 37). (Alpert, Adam) (Entered: 07/18/2007)  Request  39 Filed: 7/18/2007, Entered: None Corrective Certificate of Service Re: Motion to Conduct 2004 Examinations Filed by John D Emmanuel on behalf of Creditor Global Mortgage, Inc. (related document(s)36). (Emmanuel, John) (Entered: 07/18/2007)  Request  38 Filed: 7/17/2007, Entered: None Certificate of Necessity of Request for an Emergency Hearing on Motion for Relief from Stay Filed by Adam L Alpert on behalf of Creditor Paychex Business Solutions, Inc. (related document(s)37). (Attachments: 1 Exhibit A) (Alpert, Adam) (Entered: 07/17/2007)  Request Need legal research help? Let us know!  37 Filed: 7/17/2007, Entered: None Emergency Motion for Relief from Stay re: Clien Service Agreement. (Fee Paid) Filed by Adam L Alpert on behalf of Creditor Paychex Business Solutions, Inc. (Attachments: 1 Exhibit A2 Exhibit B) (Alpert, Adam) Modified on 7/18/2007 (Lidia). (Entered: 07/17/2007)  Request  36 Filed: 7/17/2007, Entered: None Motion for 2004 Examination of Jerry Cugno and Nicole Cugno Filed by John D Emmanuel on behalf of Creditor Global Mortgage, Inc. (Emmanuel, John) (Entered: 07/17/2007)  Request  35 Filed: 7/17/2007, Entered: None Amended Certificate of Service Re: Motion to Assume Executory Contract of IndyMac Bank, FSB Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)27). (Ford, Buddy) (Entered: 07/17/2007)  Request  34 Filed: 7/17/2007, Entered: None Amended Certificate of Service Re: Amended Motion to Assume Executory Contractof Bank of America Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)28). (Ford, Buddy) (Entered: 07/17/2007)  Request  33 Filed: 7/17/2007, Entered: None Notice of Appearance and Request for Notice Filed by Guy T Conti on behalf of Creditor Barr, Anhut & Associates, P.C.. (Conti, Guy) (Entered: 07/17/2007)  Request  32 Filed: 7/16/2007, Entered: None Notice of Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)20, 17, 27, 28, 18, 19). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Ford, Buddy) (Entered: 07/16/2007)  Request  31 Filed: 7/16/2007, Entered: None Amended Notice of Hearing (via. Telephonic Notice) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)12 and document(s) 30). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Ford, Buddy) (Entered: 07/16/2007)  Request  30 Filed: 7/16/2007, Entered: None Notice of Hearing (via. Telephonic Notice) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)12). Hearing scheduled for 7/27/2007 at 09:30 AM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Ford, Buddy) (Entered: 07/16/2007)  Request  29 Filed: 7/16/2007, Entered: None Certificate of Service Re: the Notice of Commencement upon mailing matrix (additional creditors) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)2). (Ford, Buddy) (Entered: 07/16/2007)  Request  28 Filed: 7/16/2007, Entered: None Emergency Motion to Assume Executory Contract w/ Bank of America (Amended) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)10). (Ford, Buddy) (Entered: 07/16/2007)  Request  27 Filed: 7/16/2007, Entered: None Motion to Assume Executory Contract w/ IndyMac Bank re: Seller Contract and e-MITS User Agreements Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/16/2007 (Lidia). (Entered: 07/16/2007)  Request  26 Filed: 7/16/2007, Entered: None Notice of Deletion of Creditor(s) From the Mailing Matrix Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc.. (Ford, Buddy) (Entered: 07/16/2007)  Request  25 Filed: 7/16/2007, Entered: None Notice of Appearance and Request for Notice and Placement on The Local Rule 1007-2 Parties In Interest List Filed by John D Emmanuel on behalf of Creditor Global Mortgage, Inc.. (Emmanuel, John) (Entered: 07/16/2007)  Request  24 Filed: 7/16/2007, Entered: None Amendment to List of Creditors. Filing Fee Paid: $26. Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc.. (Ford, Buddy) (Entered: 07/16/2007)  Request  23 Filed: 7/16/2007, Entered: None List of 20 Largest Unsecured Creditors Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc.. (Ford, Buddy) (Entered: 07/16/2007)  Request  22 Filed: 7/13/2007, Entered: None BNC Certificate of Mailing – Order (related document(s) (Related Doc # 9)). Service Date 07/13/2007. (Admin.) (Entered: 07/14/2007)  Request  21 Filed: 7/13/2007, Entered: None Notice of Appearance and Request for Notice Filed by James C Mosser on behalf of Creditor Mosser Mallers PLLC. (Mosser, James) (Entered: 07/13/2007)  Request  20 Filed: 7/13/2007, Entered: None Motion to Assume Executory Contract of Irwin Home Equity Corporation and Request for Expedited Hearing re: Broker Agreements Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/13/2007 (Lidia). (Entered: 07/13/2007)  Request  19 Filed: 7/13/2007, Entered: None Motion to Assume Executory Contract of Wachovia Mortgage Corporation and Request for Expedited Hearing re: Broker Agreements Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/13/2007 (Lidia). (Entered: 07/13/2007)  Request  18 Filed: 7/13/2007, Entered: None Motion to Assume Executory Contract of The CIT Group/Consumer Finance, Inc. and Request for Expedited Hearing re: Broker Agreements Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/13/2007 (Lidia). (Entered: 07/13/2007)  Request  17 Filed: 7/13/2007, Entered: None Motion to Assume Executory Contract with Express Capital Lending re: Broker AgreementAnd Request for Expedited Hearing Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/13/2007 (Lidia). (Entered: 07/13/2007)  Request  16 Filed: 7/12/2007, Entered: None Disclosure of Compensation of Attorney for Debtor Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc.. (Ford, Buddy) (Entered: 07/12/2007)  Request  15 Filed: 7/12/2007, Entered: None Affidavit & Financial Dislcosure in Support of Debtor’s Application to Approve the Employment of Buddy D. Ford, P.A. Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)14). (Ford, Buddy) (Entered: 07/12/2007)  Request  14 Filed: 7/12/2007, Entered: None Application to Employ Buddy D. Ford, P.A. as Attorney for Debtor Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) (Entered: 07/12/2007)  Request  13 Filed: 7/12/2007, Entered: None Certificate of Necessity of Request for Emergency Hearing (Paychex Business Solutions) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)12). (Ford, Buddy) (Entered: 07/12/2007)  Request  12 Filed: 7/12/2007, Entered: None Emergency Motion to Assume Executory Contract with Paychex Business Solutions re: Client Services Agreement Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/13/2007 (Lidia). Modified on 7/13/2007 (Lidia). (Entered: 07/12/2007)  Request  11 Filed: 7/12/2007, Entered: None Certificate of Necessity of Request for Emergency Hearing (Bank of America) Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (related document(s)10). (Ford, Buddy) (Entered: 07/12/2007)  Request  10 Filed: 7/12/2007, Entered: None Motion to Assume Executory Contract with Bank of America re: Wholesale Broker Agreements Filed by Buddy D. Ford on behalf of Debtor Premier Mortgage Funding, Inc. (Ford, Buddy) Modified on 7/13/2007 (Lidia). Modified on 7/13/2007 (Lidia). (Entered: 07/12/2007)  Request  9 Filed: 7/11/2007, Entered: None Order Scheduling Status Conference. Hearing scheduled for 8/23/2007 at 01:30 PM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. Signed on 7/11/2007 (Lidia) (Entered: 07/11/2007)  Request  8 Filed: 7/11/2007, Entered: None Notice of Hearing on Status Conference . Hearing scheduled for 8/23/2007 at 01:30 PM at Tampa, FL – Courtroom 8B, Sam M. Gibbons Courthouse, 801 N. Florida Avenue. (Lidia) See corrective entry dated 7/11/2007. Modified on 7/11/2007 (Lidia). (Entered: 07/11/2007)  Request  7 Filed: 7/8/2007, Entered: None BNC Certificate of Mailing – Notice of Meeting of Creditors. (related document(s) (Related Doc # 2)). Service Date 07/08/2007. (Admin.) (Entered: 07/09/2007)  Request  6 Filed: 7/8/2007, Entered: None BNC Certificate of Mailing – Operating Order (related document(s) (Related Doc # 4)). Service Date 07/08/2007. (Admin.) (Entered: 07/09/2007)  Request  5 Filed: 7/8/2007, Entered: None BNC Certificate of Mailing – Notice to Creditors and Parties in Interest (related document(s) (Related Doc # 3)). Service Date 07/08/2007. (Admin.) (Entered: 07/09/2007)  Request  4 Filed: 7/6/2007, Entered: None Order to File All State and Federal Tax Returns and Pay Taxes When Due . Signed on 7/6/2007 (Diana) (Entered: 07/06/2007)  Request  3 Filed: 7/6/2007, Entered: None Notice of Deficient Filing. Missing Summary of Schedules; Missing Statistical Summary of Certain Liabilites; Missing Schedules A-H; Missing Statement of Financial Affairs; Missing Case Management Summary; Missing L-20 List; Missing Attorney Statement of Compensation (related document(s)1). Compliance required no later than 7/18/2007. (Diana) (Entered: 07/06/2007)  Request  2 Filed: 7/6/2007, Entered: None Notice of Commencement of Case, Section 341 Meeting of Creditors, and Fixing Deadlines . Section 341(a) meeting to be held on 8/10/2007 at 01:30 PM at Tampa, FL (8-61) – Room 100-B, Timberlake Annex, 501 E. Polk Street. (Diana) (Entered: 07/06/2007)  Request  1 Filed: 7/3/2007, Entered: None Voluntary Petition under Chapter 11. (Fee Paid) Schedules and Statements Incomplete, Statement of Financial Affairs Not Filed or Incomplete, Disclosure of Compensation of Attorney Not Filed or Not Required, Filed by Buddy D. Ford on behalf of Premier Mortgage Funding, Inc.. (Attachments: 1 Statement Regarding Authority To Sign and File Petition2 Mailing Matrix) (Ford, Buddy) Modified on 7/6/2007 (Diana). Modified on 11/21/2007 (Lidia). (Entered: 07/03/2007)  Request

      Typically make a list of the minimum requirements for credit, income, appraisal value, debt-to-income ratio and any other key metrics your company uses for evaluation. This will be used as a reference for reviewing individual loan applications later in the audit.

     Income Verification

It is easiest to verify the income of traditional workers who receive W-2 forms at the end of the year. Independent contractors and self-employed individuals make the task more difficult for lenders and auditors. For these borrowers, the auditor will need to look at bank statements, tax returns, dividends and interest and retirement plan distributions to determine their total income. He will compare the income from your documentation to the income used during the approval process.

     Property

A portion of the mortgage audit should also be dedicated to analyzing the appraisal, mortgage insurance and title search on the property that’s used as collateral for the loan. The appraised value must be sufficient to cover the entire balance of the loan unless additional property is pledged as collateral. The mortgage file should include copies of comparable sales and a description of the valuation method the appraiser used to prepare his report, along with a confirmation of the size of the property and any buildings located on the site. The auditor will also request a copy of the title report and mortgage insurance policy for the property in question. The title report should not show any outstanding claims, liens or other defects.

     Documentation

All relevant documentation must be kept in the mortgage file, such as the sales contract, trust deed, escrow instructions, loan documents and closing statement. The closing statement should include a breakdown of the closing costs and seller’s contribution to these costs. Look for unusual items in the contract, such as personal property added as collateral. Make sure the contract still fits within the approval guidelines.

     Audit Report

When the auditor is finished, he will prepare a report detailing the results of the review. The report will identify areas of weakness in the company’s approval and lending procedures. The auditor will recommend possible corrections for any issues he discovers during the audit. A follow-up audit may be scheduled to make sure the company has implemented all of the recommended solutions.

     Credit Reports

The audit must also include a review of the credit reports used to approve mortgages. You should have credit reports from Equifax, Experian and TransUnion. Verify that the correct names and Social Security numbers are listed and that no other aliases or suffixes are causing confusion with another person’s credit report. All forms of credit should have been included in the debt-to-income ratio calculations. The auditor will also compare the borrower’s credit score with your company’s minimum requirements for approval.

October 18, 2010
4155.1 1.B.2.a
General
Mortgage
Credit Analysis
Documents

Required Documents for Mortgage Credit Analysis,

4155.1 1.B.2.a General Mortgage Credit Analysis Documents 
Document Requirements

Lenders must obtain the most recent documents required to perform the
mortgage credit analysis. “Most recent” refers to the most recent document
available at the time the loan application is made. See HUD 4155.1 1.B.1.h
for the maximum allowable age of documents.
The documents listed in the table below are the general documents required
for mortgage credit analysis.

Note: This is not a complete listing. Additional documentation may be
required, as discussed in HUD 4155.1 1.B.1.g.
Document Requirements

Loan Application  Fannie Mae Form 1003, Uniform Residential Loan Application
(URLA) signed and dated by all borrowers and the lender, and
 Form HUD-92900-A, HUD/VA Addendum to Uniform
Residential Loan Application.
Loan Underwriting and
Transmittal Summary
HUD-92900-LT, FHA Loan Underwriting and Transmittal
Summary, for both purchase and refinance transactions

Social Security Number
Evidence
For information on obtaining Social Security Number (SSN)
evidence, see HUD 4155.1 1.B.2.b.
Credit Report The lender must obtain a credit report on all borrowers who will
be obligated on the mortgage note, except in cases involving
certain streamline refinance transactions.
Reference: For more information on
 credit reports, see HUD 4155.1 1.4 , and
 credit report review guidelines, see HUD 4155.1 4.C.2.
Verification of Deposit
(VOD)
For information on verification of deposit, see HUD 4155.1
1.B.2.c.
Verification of
Employment (VOE)
For information on verification of employment, see
 HUD 4155.1 1.B.2.d
 HUD 4155.1 1.B.2.e, and
 HUD 4155.1 1.B.2.f.
Federal Income Tax
Returns
For information on obtaining federal income tax returns, see
HUD 4155.1 1.B.2.g.
Sales Contract The lender must obtain the sales contract and any amendments
or other agreements and certifications.

4155.1 1.B.2.a General Mortgage Credit Analysis Documents (continued)
Document Requirements

Real Estate Certification If not contained within the purchase agreement, the lender must
provide the real estate certification, signed by the
 buyer
 seller, and
 selling real estate agent or broker.
References: For more information on the real estate
certification, see
 HUD 4155.2 6.A.5.f, and
 HUD 4155.2 6.A.5.g.
Amendatory Clause The lender must provide the amendatory clause, signed by the
borrower and seller, if it is not contained in the purchase
agreement.
References: For more information on the amendatory clause,
see
 HUD 4155.2 6.A.5.d, and
 HUD 4155.2 6.A.5.e.
Verification of Rent or
Payment History on
Past/Previous Mortgages
This document must be in the form of
 direct written verification from the landlord or mortgage
servicer
 information shown on the credit report, or
 the most recent 12 months of cancelled checks or receipts for
payment of the rent/mortgage.
TOTAL Scorecard Accept/Approve recommendation: A
separate rental reference is not required.
Reference: For information on the TOTAL Scorecard, see the
TOTAL Mortgage Scorecard User Guide.

4155.1 1.B.2.a General Mortgage Credit Analysis Documents (continued)
Document Requirements
Uniform Residential
Appraisal Report (URAR)

For information on obtaining the URAR, see HUD 4155.1
1.B.2.h.
Explanatory Statement The lender must include, in the case binder, any explanatory
statements or additional documentation necessary to make a
sound underwriting decision.
C

PMF Inc. Gugno the Racket ….. Premier, Paramount, Pioneer JP Morgan Chase, Select Portfolio Servicing, Credit Suisse, Deutche Bank.

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SwampFox <notjuris@gmail.com>	Sun, Dec 30, 2018 at 8:18 AM
To: answers@hud.gov, fbi.dallas@ic.fbi.gov, CFPB_FOIA@consumerfinance.gov, “McDonald, Ryan (CFPB)” <Ryan.McDonald@cfpb.gov>, CFPB_FOIA <CFPB_FOIA@cfpb.gov> Cc: “Jacqueline R. Birchfield Dennison” <djbirchfield48@gmail.com>, Kim Hogan <kdhogan@ymail.com>, “Ann Pellegrino, Esq.” <aladyjustice@aol.com>, April Scarlott <ascarlott@sbcglobal.net>, Federal Bureau of Investigation <fbi@service.govdelivery.com>, Sarah Barton <bartons@lkgeorge.org>, Travis Whitehead <travis.whitehead@gmail.com> Bcc: Sarah Hoffman <shoffman@lglc.org>
DEAR HUD, FHA, FBI, DOJ, FDIC, OCC,  SEC, US Treasury, Congress and Senate  US Government  Etc Etc Et Al, This is a demand for all Records, Data, Files and Information on the  CUGNO FAMILY  Mortgage  Operations and the following  Mortgage Scammers …..   Premier, Paramount, Pioneer  JP Morgan Chase, Select Portfolio Servicing, Credit Suisse, Deutche Bank. BILLIONS in Fines,  Trillions in Losses and  COUNTLESS  Audits, Investigations, Enforcement Actions and Penalties involving  CUGNO’s Companies,  JP Morgan Chase and  Deutsche Bank with  SELECT PORTFOLIO SERVICES have occured because  IMPROPER MORTGAGE LOAN PROCESSES  AND PROCEDURES  involving  CUGNO’s  Mortgage  Racketeers are involved.  Tennessee,  Ohio, North Carolina, Texas, Florida and in virtually every State across America  the above  SCHEMERS   on a vast scale  IGNORED, VIOLATED and BROKE all the Rules in the Books. This  DEMAND for Information seeks the AUDITS, REPORTS, DATA, INVESTIGATIONS of the  CUGNO CRIME SPREE with   Premier, Paramount, Pioneer  JP Morgan Chase, Select Portfolio Servicing, Credit Suisse, Deutche Bank. Attached are a number of examples of the Information and Records Being Sought. Thank You Judson Witham Legacy Trust Media NotJuris@GMail.com 801-602-XXX https://archives.hud.gov/offices/oig/reports/files/ig661011.pdf Premier has a Web site that solicits mortgage professionals to open branch offices using its name. The cost is $1,500 per month. SUBJECT:    Premier Mortgage Funding, Inc., Paramount Mortgage Funding, Inc.   Pioner  Mortgage Funding Inc. and Its Sponsor Banks , JPMorgan Chase, Deutsche Bank  that Did Not Comply With HUD Underwriting Requirements and Did Not Meet All Quality Control Requirements .   The  CUGNO FAMILY  GANG  and all the  PMF  Inc.   Violations, Investigations and Audit Reports ……   ALL AUDITS INVESTIGATIONS FINES ENFORCEMENT ACTIONS   of  the  CUGNO …..   PMF  Inc.   Companies   and  JP Morgan Chase and  Deutsche Banks FHA/ HUD Handbook 4155.1, REV-5  and  all other RELEVANT  HAND BOOKS  NEED TO BE PRODUCED JPMorgan to pay $5.1B in mortgage settlement – USA TODAY Oct 25, 2013 · JPMorgan Chase will pay $5.1 billion to settle allegations it misled mortgage-finance agencies Fannie Mae and Freddie Mac about the quality of residential mortgages the banking giant sold them. https://www.usatoday.com/story/money/business/2013/10/25/jpmorgan-fhfa-settlement/3192809/ JP Morgan-Chase paid its billions in fines for mortgage fraud … A lawsuit against JP Morgan-Chase — the nation’s largest bank — asserts that the institution paid off the $4,200,000,000 in mortgage forgiveness that it agreed to as a settlement for widescale … https://boingboing.net/2017/10/06/eric-holders-legacy.html Confidential Federal Audits Accuse Five Biggest Mortgage … Earlier this month, Justice cited findings from HUD investigations in a lawsuit it filed against Deutsche Bank AG, one of the world’s 10 biggest banks by assets, for at least $1 billion for … https://www.huffingtonpost.com/2011/05/16/foreclosure-fraud-audit-false-claims-act_n_862686.html Chase’s fraudulent foreclosure: Court says executive … JPMorgan Chase (JPM) created and recorded false documentation that showed the bank owned the mortgage of two California residents in order to foreclose on their home, the California Court of … https://www.housingwire.com/articles/30540-chases-fraudulent-foreclosure-court-says-executive-falsifie Federal Reserve Consent Order JPMorgan Chase Response Risk … Mortgage Servicing Operations Risk Assessment Process In accordance with the April 13, 2011 OCC Consent Order, the Bank is conducting a comprehensive assessment of risks in mortgageservicing. The assessment is addressing operational, compliance-based, transactional, legal, reputational, and financial risk. https://www.federalreserve.gov/newsevents/press/enforcement/jpmc-plan-sect7-risk-mgmt.pdf PDF FCA, FHA Lending, And US V. Deutsche Bank – Buckley Sandler qui tam action, many of the mortgage lending FCA cases like Deutsche Bank begin at HUD. Quite commonly, an institution is targeted during an audit, at which point HUD’s counsel becomes involved. The DOJ is often not far behind. The RBC case began with an HUD audit report, and Deutsche Bank is no exception. The complaint alleges https://buckleysandler.com/uploads/36/doc/FCA, FHA Lending, And US V. Deutsche Bank may11 Premier understated the borrower’s monthly debt, Falsified Borrowers Marital Status, Failed to investigate employment, falsified credt and debt and employment information  etc etc etc. Premier entered and JPMorgan Chase certified inaccurate credit information and did not have adequate quality control reviews  The sponsor (JPMorgan Chase) certified to the integrity of incorrect data that Premier entered into the automated underwriting system. The incorrect data are material enough to affect loan approval. Premier did not verify the stability of borrower income. The employer described the borrower’s probability of continued employment as “unknown.” Premier did not document its analysis or obtain clarification of the employer’s comments JPMorgan Chase to Pay $614 Million for Submitting False … JPMorgan Chase put profits ahead of responsibility by recklessly churning out thousands of defective mortgage loans, failing to inform the government of known problems with those loans and leaving the government to cover the losses when the loans defaulted. https://www.justice.gov/opa/pr/jpmorgan-chase-pay-614-million-submitting-false-claims-fha-insured-and-va-guaranteed-mortgage HUD.gov / U.S. Department of Housing and Urban Development (HUD) The agreement does not prevent the United States from pursuing action against the banks related to misrepresentations of the quality of loans that were packaged into mortgage-based securities or the conduct that is the focus of the new Residential Mortgage-Backed Securities Working Group. https://www.hud.gov/mortgageservicingsettlement/fact-sheet Manhattan U.S. Attorney Sues And Settles With JPMorgan Chase … To resolve the United States’ claims, JPMORGAN CHASE has agreed to pay $614 million to the United States under the False Claims Act. In addition, JPMORGAN CHASE has agreed to implement an enhanced quality control program to address the misconduct concerning the integrity of loan data submitted to HUD-FHA. https://www.justice.gov/usao-sdny/pr/manhattan-us-attorney-sues-and-settles-jpmorgan-chase-614-million-fraudulent-mortgage PDF AMENDMENT OF CONSENT ORDER – Federal Reserve System WHEREAS, on April 13, 2011, JPMorgan Chase Bank, National Association, Columbus, Ohio (the “Bank”), a national bank owned and controlled by JPMC, consented to the issuance of a Consent Order by the Office of the Comptroller of the Currency (the “OCC”) (the “2011 OCC https://www.federalreserve.gov/newsevents/pressreleases/files/enf20130228a15.pdf We relied in part on data maintained by HUD in its Neighborhood Watch system. We did not perform a detailed analysis of the reliability of the system. Further, we recommend the assistant secretary for housing – federal housing commissioner and chairman of the Mortgagee Review Board 1F. Ensure Premier’s current quality control plan meets HUD requirements and is implemented. 1G. Consider appropriate sanctions against Premier and JPMorgan Chase for entering incorrect data into the automated underwriting system and certifying their integrity.  Our audit objectives were to determine whether Premier and it sponsors 1) acted in a prudent manner and complied with HUD requirements in the origination of the Federal Housing Administration-insured single-family mortgages selected for review and 2) whether their quality control plans, as implemented, met HUD requirements. Premier did not enter correct data into an automated underwriting system or perform required quality control reviews. In addition, the sponsor, JPMorgan Chase, certified to the integrity of the data Premier entered into the system and did not perform adequate quality control reviews. This occurred because Premier and its sponsor did not ensure the accuracy of the borrowers’ credit information, and Premier did not have specific processing policies and/or procedures that branch offices must follow. Premier • Overstated income (five loans), • Did not verify the stability and/or history of income (two loans), 5 • Understated the borrowers’ liabilities (seven loans), • Did not verify reserves and/or deposits (seven loans), and • Originated loans in which the actual note terms (principal, interest, and term) differed significantly from the terms entered into Loan Prospector (one loan). These deficiencies occurred because Premier and JPMorgan Chase did not ensure the accuracy of the borrower’s credit or other information. Instead, Premier relied on JPMorgan Chase to identify and resolve underwriting deficiencies, but JPMorgan Chase apparently accepted the data and certified their accuracy without further examination. Also, Premier did not have specific processing policies and/or procedures that branch offices must follow. Premier did not comply with HUD’s quality control requirements.5 Premier officials told us they never performed a quality control review of any kind on the Austin branch, nor were they aware of any quality control reviews by JPMorgan Chase.   2 Mortgagee Letter 05-16, dated April 13, 2005, increased the qualifying debt-to-income ratios to 31:43. 3 HUD Handbook 4155.1, REV-5, paragraph 2-5 B, states that if the borrower is delinquent on any federal debt, the borrower is not eligible until the delinquent account is brought current or a repayment plan is established and verified by the federal agency owed. 4 Mortgagee Letter 03-07, dated May 22, 2003, states, “If a property is resold 90 days or fewer following acquisition by the seller, the property is not eligible for a mortgage insured by FHA [Federal Housing Administration]. FHA defines the seller’s date of acquisition as the date of settlement on the seller’s purchase of that property. The resale date is the date of execution of the sales contract by the buyer that will result in a mortgage to be insured by FHA.” 5 HUD Handbook 4060.1, REV-1, chapter 6, contains the minimum requirements of a lender’s quality control plan. Paragraph 6-1 requires all lenders to implement and continuously have in place a quality control plan for the origination of insured mortgages as a condition of maintaining Federal Housing Administration approval. 6 HUD Handbook 4060.1, REV-1, paragraph 6-6 D, requires a quality control review of all loans going into default within the first six payments. Paragraph 6-6 E (3) requires a field review of the appraisals for those loans. Paragraph 6-3 I requires the final report of a quality control review to identify corrective actions being taken, the timetable for their completion, and any planned follow-up activities. 7 HUD’s review was conducted during the period of our scope – June 1, 2003, through May 31, 2005. HUD OIG Report | JPMorgan Chase Bank N.A. Foreclosure and … Chase’s foreclosure operations are conducted by its servicing branch, Chase Home Finance, LLC (Chase Home), which is located in Westerville, OH. As of October 1, 2010, Chase Home serviced more than 580,000 FHA-insured loans. 4closurefraud.org/2012/03/14/hud-oig-jpmorgan-chase-bank-n-a-foreclosure-and-claims-process HUD bans JPMorgan Chase branch from originating FHA mortgages HUD did not release the default rate of the JPMorgan Chase branch on Long Island. But a recent letter from HUD discontinued FHA approval for loan correspondents beginning Dec. 31. https://www.housingwire.com/articles/hud-bans-jpmorgan-chase-branch-originating-fha-mortgages JPMorgan, FDIC, Deutsche Bank finalize settlement in WaMu … According to an 8-K filing from JPMorgan Chase, “As previously disclosed, JPMorgan Chase Banksigned a term sheet with Deutsche Bank and the FDIC to resolve pending litigation brought by DBNTC against the FDIC, in its capacity as receiver for Washington Mutual Bank and in its corporate capacity, and JPMorgan Chase Bank, as defendants … https://justiceleaguetaskforce.wordpress.com/2016/08/20/jpmorgan-fdic-deutsche-bank-final Tommie Mincey – SR Quality Foreclosure Analyst – JP morgan … • Responsible for monitoring the data entry and policy adherence process to ensure information submitted by loan officers and closers correspond with signed loan documents. https://www.linkedin.com/in/tommie-mincey-809bb350 Home 18 Years AGO …. 11 Years BEFORE Occupy Wall Street About America Looted MUD & MONEY AMERICA’S NEVER ENDING CRIME SPREE BeWare The Smart Growth Eviro Socialist Bob Jensen’s History of Fraud in America “Mirrored” Clinton Obama Bush the CIA and SLUSHY FUNDS … Clandestine Crimes – War Inc. Clintonian Dirt Flipping and Churning LAUNDERING MONEY With Dirt Deals the Realty of It Conroe and Houston Texas the Great CESSPOOL Of Land Swindles and Frauds Conservation Tactics Hardball & The NWO Deep State the Vanishing of Trillions FHA HUD FmHa VA Fannie Freddie and the DAISY CHAIN of Lootings FHA Scams HUD Frauds the Premier Paramount Pioneer Mortgage Funding CRIME SPREE FHFA The Whistle is Blown FRAUD UPON THE COURT Harris County Tx 334th State District Houston Get Swamp Draining You Bitches Gugno the Racket ….. Premier, Paramount, Pioneer JP Morgan Chase, Select Portfolio Servicing, Credit Suisse, Deutche Bank HUD / FHA / GAO / OCC / FBI / DOJ Open The Records a FOIA Demand INSIDE JOB … Vanishing Trillions Judson Witham is NO Kidder Land Flipping and Dirt Dealing 101 CLINTONIAN LAND SCAMMING The Dirt Dealing Guru’s Hand Book Land Speculation Paper Land Swindles on STEROIDS Land Swindles: A Cons Game to Beware Of Looting the World the Easy RICO Realty Way LOTS OF INDICTMENTS … Land & Bank Scams 101 Magical Fantastic Texas Banksters Mega Money Laundry TEXAS New York State a very Shitty Record NOTICE TO THE UNITED STATES Inc. … A Tale of Frauds, Deception and Lootings … Money Laundering on Steroids Planetary Looting an INSIDE JOB … AKA Inverted Totalitarianism Q Anon, Occupy, ANON, David Ickes, Alex Jones, Matt Tabbi, The Looted Trillions LONG, LONG BEFORE YOU. Russians MY ASS Stealing Trillions”THE LOW DOWN DIRT” SUBPRIME Zombie Land Frauds and Bank Lootings FHA HUD FDIC FBI DOJ WTFU Subverted America – Reagan Bush Clinton Obama and THE COMPANY SWAMP DRAINING THE SEWER … Trillions Looted Targeting Land The NYS DEC Land Grabbers The CFPB and Just Us / FBI Rape America The CIA Murder of Don Bolles TRILLIONS VANISHING The GANG RAPE of America’s Financial System The LAND CONTRACTS Scams TEXAS Gone Wild The Terrorists of the Beltway – DC goes completely ROGUE … The SLUSH FUNDS at State and The Foundation The ARKANSAS Development Skanks CLINTONS doing the DIRTY DEALS The Big Sleazy, The American People Rise From the Wood Shed Series The Clinton Gate State Foundation WEAPONS R US Inc. from Reagan Bush to Obama … War Incorporated The Financial Rape of America The Realty of It The GARGANTUAN PLANETARY Bank Job The Great Texas Bank Job The Great American Bank Jobs The Great American Manure Job The Great French, Dutch, Spanish, English YANKEE DOODLE Robberies Turtle Island Invasion and Occupation The Great Texas Bank Job … Reborn The HISTORY of DIRT DEALING Lootings Revealed The Houston CON / Mud Flats 101 The TRIAD and Martin Harris’s Hat … SEER This Joe Smith … The Mormon MAFIA and the Deep State The VANISHED Trillions – The  Largest Heist in Human History TRILLIONS for FUBAR US District Judge Lynn Hughes an Open Letter to FBI Director Chris Wray … THE DEEP STATE US Mexican Border the Largest Bubbles and Mobsters in THE SWAMP Welcome to the Reservation “You SERFS” The Un-Affordable Crap Act and FIAT Trash Currency What actually Happened ( For the Complete Idiot ) WikiLeaks a FRAUD … The Catbird’s Nest …. Trillions Looted Zombie Bastard Banksters DIRT DEALING for Trillions Zombie Toxic Assets …. Looting America the GET RICH QUICK WAY  Audit of the Department of Justice’s Efforts to Address … AUDIT OF THE DEPARTMENT OF JUSTICE’S EFFORTS TO ADDRESS MORTGAGE FRAUD The Department of Justice (DOJ) and its components, particularly the Federal Bureau of Investigation (FBI), United States Attorneys’ Offices (USAO), Criminal Division, and Civil Division, along with many other federal, state, and local law https://oig.justice.gov/reports/2014/a1412.pdf PDF US Department of Justice Fair Lending Enforcement US Department of Justice Fair Lending Enforcement Daniel P. Mosteller Acting Special Litigation Counsel for Fair Lending Housing and Civil Enforcement Section, Civil Rights Division USDepartment of Justice https://www.mayerbrown.com/files/uploads/Fair-Lending//KeynoteSlides.pdf Deloitte to pay $149.5m over Taylor, Bean & Whitaker audit … The US Department of Justice has agreed to a settlement of $149.5m (£108.4m) with Deloitte over its audits of the now defunct mortgage lending firm Taylor, Bean & Whitaker (TBW). Deloitte served as TBW’s external auditor between 2002-2008 until the mortgage broker’s collapse in 2009. rkconsultancy.org/?p=7100 DOJ Department of Justice Archives – LoanLogics Since 2008, the Department of Justice (DOJ) has drastically increased its use of the False Claims Act (FCA) to go after what say are bad actors in FHA mortgage lending. blogics.loanlogics.com/category/department-of-justice/ Loan Modification Fraud and … – Department of Justice Loan modification: You and your loan servicer agree to permanently change one or more of the terms of the mortgage contract to make your payments more manageable for you. Modifications may include reducing the interest rate, extending the term of the loan, or adding missed payments to the loan balance. https://oag.ca.gov/consumers/loan-modification Justice Department and Consumer Financial Protection Bureau … The Justice Department and Consumer Financial Protection Bureau (CFPB) filed a consent order today to resolve allegations that Hudson City Savings Bank (Hudson City) engaged in a pattern or practice of “redlining” predominantly Black and Hispanic neighborhoods in its residential mortgage lending practices. https://www.rataassociates.com/news/justice-department-and-cfpb-reach-settlement-with-hudson-city-savings-bank/ Mortgage Settlements: Homeowners – Department of Justice To find out if you may be eligible for a loan modification, refinance, short sale or other foreclosureprevention relief under the settlements, contact your mortgage servicer. To find the servicer on your loan, look for a contact phone number on your mortgage statement. https://www.oag.ca.gov/legal-opinions/ag-mortgage-settlements USDOJ/OIG | All Reports Audit of Department of Justice Conference Planning and Food and Beverage Costs (Revised Version), Audit Report 11-43, October 2011 (Originally Issued September 2011) Audit ofAdministrative, Suspension, Debarment, and Other Internal Remedies Within the Department ofJustice, Audit Report 12-01, October 2011 https://oig.justice.gov/reports/all.htm Financial Institution/Mortgage Fraud — FBI Mortgage Fraud . Mortgage fraud is a sub-category of FIF. It is crime characterized by some type of material misstatement, misrepresentation, or omission in relation to a mortgage loan which is … https://www.fbi.gov/investigate/white-collar-crime/mortgage-fraud More Results [PDF] 4470.1 REV-2 CHG 1 https://www.hud.gov/sites/documents/44701C2HSGH.PDF CREDIT INVESTIGATION – PURPOSE AND SCOPE A.Purpose. To evaluate the character, ability, and capital of the sponsor, mortgagor, if formed, and general … [PDF] Chapter 8 Mortgage Credit Underwriting and Processing … https://www.hud.gov/sites/documents/CHAPTER_8_MORTGAGE_CREDIT.PDF Mortgage Credit Underwriting and Processing Requirements 8.1 Qualifications and Duties A. Lender Qualifications 1. The Lender’s underwriter must have …  Section A. Special Underwriting Instructions Overview 4155.1 6.A.1.e TOTAL Mortgage Scorecard User Guide FHA has developed the TOTAL MortgageScorecard User Guide, which is a compilation of the specific credit policies and documentation requirements lenders must follow when using TOTAL. The instructions in the Guide pertain only to those mortgage applications that https://www.hud.gov/sites/documents/4155-1_6_SECA.PDF PDF Section B. Acceptable Sources of Borrower Funds Overview Reference: For additional information on the TOTAL Scorecard, see HUD 4155.1 6.A.1 and the TOTAL Mortgage Scorecard User Guide. 4155.1 5.B.2.c Cash Saved at Home Borrowers who have saved cash at home, and are able to adequately demonstrate the ability to do so, are permitted to have this money included as https://www.hud.gov/sites/documents/4155-1_5_SECB.PDF PDF FHA TOTAL Mortgage Scorecard User Guide FHA TOTAL Mortgage Scorecard User Guide July 16, 2012 Page 4 INTRODUCTION This UserGuide is to assist lenders using the Federal Housing Administration’s (FHA) Technology Open To Approved Lenders (TOTAL). TOTAL is a tool to assist the lender in managing its workflow and expediting the endorsement process, and is not a substitute for the https://mortgagecurrentcy.com/downloads/FHA_TOTALScorecardUserGuide_091012.pdf PDF FHA TOTAL Mortgage Scorecard User Guide FHA TOTAL Mortgage Scorecard User Guide December 29, 2011 Page 2 TABLE OF CONTENTS INTRODUCTION Chapter Overview 4 Use of the TOTAL Scorecard User Guide CHAPTER 1 LOAN SUBMISSION Requirements 6 Lenders Responsibility for Accuracy of Data Entry Data Entry Requirements to Identify a Sponsored mortgage-u.com/pdf/total_scg_2011.pdf PDF FHA Single Family Housing Policy Handbook (HUD Handbook 4000.1) References: For information on the TOTAL Scorecard, see • HUD 4155.1 6.A.1 , and • the TOTALMortgage Scorecard User Guide. 4. Underwriting the Borrower Using the TOTAL MortgageScorecard (TOTAL) c. Income Requirements (TOTAL) xi. Additional Required Analysis of Stability of Employment Income (TOTAL) PAGE 156 5. Manual Underwriting https://dyzz9obi78pm5.cloudfront.net/app/image/id/570e989532131c662c804b40/n/fha-sf-handbook-comparison-excerpts-webinar-08-20-2015.pdf PDF FHA TOTAL Mortgage Scorecard User Guide – rmsloan.com Use of the TOTAL Scorecard User Guide “Lender” will be used in lieu of “mortgagee” throughout this User Guide. Lender is defined as an FHA-approved mortgagee as described in 24 CFR § 202.2. For information on topics not addressed in this guide, refer to: Handbook 4155.1, MortgageCredit Analysis for Mortgage Insurance at www.rmsloan.com/pdf/total_userguide.pdf PDF TOTAL User Guide – mortgagecurrentcy.com FHA TOTAL Mortgage Scorecard User Guide December 2004 1 INTRODUCTION This User Guideis designed to assist lenders using the Federal Housing Administration’s (FHA) Technology Open To Approved Lenders (TOTAL) Mortgage Scorecard deployed in conjunction with various automated underwriting systems (AUS). www.mortgagecurrentcy.com/downloads/FHAScorecard_071008.pdf New from FHA- Updated TOTAL Scorecard User Guide! Updates in the New TOTAL Scorecard User Guide. The following summarizes the changes that appear in the newly updated User Guide versus that content that appeared in the prior version of the Guide. The new Guide reiterates the importance of not scoring streamline refinancetransactions through TOTAL. https://www.mortgageprocessor.org/mortgage-processor-news/2012/02/09/new-fha-updated-total-scorecard-user-guide PDF FHA 4000.1 Guidelines – cmgfi.com Information is accurate as of the date of publishing and is subject to change without notice. The Guidelines outlined apply to Agency loans submitted to TOTAL Scorecard. In addition to applying these CMG-specific overlays, all loans submitted to TOTAL Scorecard must comply with the AUS Findings and FHA/Ginnie Mae requirements. docs.cmgfi.com/guidelines/CMG-Corr-4000.1-FHA-Guidelines.pdf [PDF] 4710.1 – hud.gov https://www.hud.gov/sites/documents/47101C2HSGH.PDF Credit Investigation. The application must be supplemented by either a commercial credit report on the borrower or evidence of the lender’s investigat … [PDF] U.S. Department of Housing and Urban Development … https://www.hud.gov/sites/documents/47001HSGH.PDF loans. A separate chapter has been established for credit investigation, underwriting and collection procedures because there is a need for the … [PDF] CHAPTER 6. MORTGAGE CREDIT PROCESSING – hud.gov https://www.hud.gov/sites/documents/45651C6HSGH.PDF CHAPTER 6. MORTGAGE CREDIT PROCESSING 6-1. INTRODUCTION. Mortgage Credit Processing will begin at the firm commitment stage and involves: credit … [PDF] 4700.1 REV-1 CHAPTER 3. CREDIT INVESTIGATION AND COLLECTIONS https://www.hud.gov/sites/documents/47001C3HSGH.PDF be placed on the credit application. b. Credit Investigation. The application must be supplemented by either a commercial credit report on the … [PDF] 4470.1 REV-2 CHAPTER 14. EVALUATING NONPROFIT SPONSORS AND … https://www.hud.gov/sites/documents/44701C14HSGH.PDF B. Credit investigation. 1. Order data and/or commercial credit reports on the sponsor, mortgagor, if formed, and the officers of the mortgagor entity … [PDF] 4470.1 REV-2 CHG 1 TABLE OF CONTENTS CHAPTER 1 … https://www.hud.gov/sites/documents/44701TOCHSGH.PDF 1-2. Credit Risk Factors 1-1 1-3. Mortgage Credit Processing 1-1 1-4. Waivers 1-2 CHAPTER 2. CREDIT INVESTIGATION 2-1. Credit Investigation – Purpose … [PDF] SUPPORTIVE HOUSING FOR PERSONS WITH DISABILITIES TABLE OF … https://www.hud.gov/sites/documents/45712TOCHSGH.PDF SUPPORTIVE HOUSING FOR PERSONS WITH DISABILITIES TABLE OF CONTENTS … 3-19 Credit Investigation 3-13 v 6/91 … Section 811 Fund Reservation for … [PPTX] Participant Credit & Financial Review – HUD.gov / U.S … https://www.hud.gov/sites/documents/07PARTICIPANTCREDITFINREV.PPTX Credit Investigation. Lenders are required to obtain and evaluate credit reports or credit histories. A commercial credit report for business or a … [PDF] Section II Chapter 6 Participant Credit and https://www.hud.gov/sites/documents/42321S2C6HSGH.PDF The credit investigation. Lenders are required to obtain credit reports or credithistories in order to validate and check the information contained … HUD.gov / U.S. Department of Housing and Urban Development … https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh/4700.1 CHAPTER 3: CREDIT INVESTIGATION AND COLLECTIONS: PDF: CHAPTER 4: REPORTING OF LOANS: PDF: CHAPTER 5: SETTLEMENT OF CLAIMS: PDF: APPENDIX 1 … [PDF] 4550.6 TABLE OF CONTENTS – HUD.gov / U.S. Department of … https://www.hud.gov/sites/documents/45506TOCHSGH.PDF Credit Investigation 11-3 11-8. Insurance of Advances 11-6 11-9. Construction Changes 11-7 11-10. Insurance of Individual Mortgages 11-8 FORMS … [PDF] 4571 – HUD.gov / U.S. Department of Housing and Urban … https://www.hud.gov/sites/documents/45712X19HSGH.PDF 4571.2 APPENDIX 19 . Section 811 – Supportive Housing for Persons with Disabilities TECHNICAL REVIEW SHEET Multifamily Housing Representative … If … [PDF] 4470.1 REV-2 CHG 1 – hud.gov https://www.hud.gov/sites/documents/44701C3HSGH.PDF A.The credit investigation or other circumstances may warrant more current financial statements. * B. Audited financial statements prepared by an … www.hud.gov https://www.hud.gov/sites/documents/232FAQs1210.xls%20 OHP recommends listing the dormant entities on the Listing of Other Business Concerns schedule and in the credit investigation. If they are dormant … [PDF] 4550.6 CHAPTER 11. MORTGAGE CREDIT REQUIREMENTS FOR SALES … https://www.hud.gov/sites/documents/45506C11HSGH.PDF CREDIT INVESTIGATION. Subsequent to issuance of commitment and prior to the setting of a date for closing, the mortgagee must submit a statement of … [PDF] 4571.1 REV-2 TABLE OF CONTENTS https://www.hud.gov/sites/documents/45711TOCHSGH.PDF TABLE OF CONTENTS CHAPTER 1. GENERAL INTRODUCTION TO 1-1 THE SECTION 202 PROGRAM 1-1. Authority 1-1 1-2. Delegation of Authority 1-1 … Credit… [PDF] 4470.1 REV-2 CHG 1 – hud.gov https://www.hud.gov/sites/documents/44701C27HSGH.PDF applications, Mortgage Credit will perform a: A.Credit Analysis of the Mortgagor. This process is simplified for Section 241(a) cases since HUD has … HUD.gov / U.S. Department of Housing and Urban Development … https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh/44701 Home / Program Offices / Chief Human Capital Officer / HUDCLIPS / Handbooks / Housing Handbooks / Mortgage Credit Analysis for Project Mortgage … 1 EXECUTIVE ORDER 13519 FINANCIAL FRAUD ENFORCEMENT TASK FORCE Executive Order 13519 of November 17, 2009 Establishment of the Financial Fraud Enforcement Task Force By the authority vested in me as President by the Constitution and the laws of the United States of America, and in order to strengthen the efforts of the Department of Justice, in conjunction with federal, state, tribal, territorial, and local agencies, to investigate and prosecute significant financial crimes and other violations relating to the current financial crisis and economic recovery efforts, recover the proceeds of such crimes and violations, and ensure just and effective punishment of those who perpetrate financial crimes and violations, it is hereby ordered as follows: Section 1. Establishment. There is hereby established an interagency Financial Fraud Enforcement Task Force (Task Force) led by the Department of Justice. Sec. 2. Membership and Operation. The Task Force shall be chaired by the Attorney General and consist of senior-level officials from the following departments, agencies, and offices, selected by the heads of the respective departments, agencies, and offices in consultation with the Attorney General: (a) the Department of Justice; (b) the Department of the Treasury; (c) the Department of Commerce; (d) the Department of Labor; (e) the Department of Housing and Urban Development; (f) the Department of Education; (g) the Department of Homeland Security; (h) the Securities and Exchange Commission; (i) the Commodity Futures Trading Commission; (j) the Federal Trade Commission; (k) the Federal Deposit Insurance Corporation; (l) the Board of Governors of the Federal Reserve System; (m) the Federal Housing Finance Agency; (n) the Office of Thrift Supervision; (o) the Office of the Comptroller of the Currency; (p) the Small Business Administration; (q) the Federal Bureau of Investigation; (r) the Social Security Administration; (s) the Internal Revenue Service, Criminal Investigations; (t) the Financial Crimes Enforcement Network; (u) the United States Postal Inspection Service; (v) the United States Secret Service; the United States Immigration and Customs Enforcement; (x) relevant Offices of Inspectors General and related Federal entities, including without limitation the Office of the Inspector General for the Department of Housing and Urban Development, the Recovery Accountability and Transparency Board, and the Office of the Special Inspector General for the Troubled Asset Relief Program; and (y) such other executive branch departments, agencies, or offices as the President may, from time to time, designate or that the Attorney General may invite. The Attorney General shall convene and, through the Deputy Attorney General, direct the work of the Task Force in fulfilling all its functions under this order. The Attorney General shall convene the first meeting of the Task Force within 30 days of the date of this order and shall thereafter convene the Task Force at such times as he deems appropriate. At the direction of the Attorney General, the Task Force may establish subgroups consisting exclusively of Task Force members or their designees under this section, including but not limited to a Steering Committee chaired by the Deputy Attorney General, and subcommittees addressing enforcement efforts, training and information sharing, and victims’ rights, as the Attorney General deems appropriate.

TOXICZOMBIEDEVELOPMENTS

• Home
• $25 Billion Fine for A $32 Trillion CRIME SPREE
• 163.7 THOUSAND MILLION … Banksters Go Wild
• About Trillions Looted … THE MEN & WOMEN WHO “CRASHED THE WORLD”
• Congress Subpoenas Deutsche Bank, JP Morgan Chase, Citigroup, Bank of America THE DIRTY MORTGAGES
• Dirty Money Dirty Mortgages Dirty Foreclosures Dirty Dirt Flippin and all those DAISY CHAINS
• Exposing the Money Laundering Dragons
• FBI DOJ US Federal Reserve US Congress US Senate OPEN RECORDS DEMAND
• FHFA The Whistle is Blown
• GAME OVER …. ALL  THESE FINANCIAL CRIMES MUST BE CONFRONTED AND SPECIAL PROSECUTORS  APPOINTED ….. The American People Have a RIGHT TO KNOW
• Looting and Laundering TRILLIONS Clintonista Bush Mafia Donald Trump’s and Barry Dunham’s MULTI BILLION Dollar Undoing the 70s 80s and 90s WERE CHUMP CHANGE
• MAFIA DON’s Financiers Deutsche Bank and “The” COMPANY … Bushs Obamas Clintons Bidens Pelosis and the DC Swamp Exposed’
• Non-Border Red Flag Wildcat Unrecorded Illegal Paper Ghost Toxic Zombie Colonias Subdivisions
• ON NOTICE US Congress US Senate US DOJ
• Questions for Lake George and NY State Officials LGPC RPI University DEC ….. HOW MANY FLUSHES for Lake George ?
• Rigging the SWAMP …. EXPOSING The Company USA Inc Has NO CLOTHES
• RIGGING THE GLOBAL BANKING SYSTEMS Way Way Beyond LIBOR
• The EVASIVE FBI DOJ and CFPB Trillions Vanished
• The GREAT PLANETARY Bank Job … How Governments and LEOs are SEDUCED by Power and Money – Part 2
• The GREAT PLANETARY Bank Job … How Governments and LEOs are SEDUCED by Power and Money – Part 1
• The Great Texas Bank Job …… The Paper Con Job
• The GREAT TEXAS Land Swindles Savings and Loans Banks LOOTED for TRILLIONS
• The Pigeons ( Sheeple ) are essential to the Banksters RACKETEERING and CONSPIRACIES
• The Racketeering of Looting and Laundering TRILLIONS
• The REALTY CRIMES and MONEY LAUNDERING been going on for DECADES