22 尾声
22 尾声
住房公平基金会：Official website at http：//thjf. org。
太阳信托公司：Michael Corkery and Jessica Silver-Greenberg,“SunTrust Settles with Justice Dept. over Mortgages; Talks Continue for Citigroup and Bank of America,”New York Times, June 17, 2014。
布兰特·本特利姆： Brent E． Bentrim v。 Wells Fargo Bank，County of Charleston, South Carolina, Court of Common Pleas, Ninth Judicial Circuit,Case No. 2011-CP-10-2946, series of filings in the case available at http:／／irngweb. charlestonoounty. org/CMSOBView/Servicel. asmx/StreamDocAsPDF?viewertype= cms&ctagency= 10002&casenumber= 2011CP100294Gfxdocseq二P2A14, case docket at http: //jcmsweb. charlestoncounty. org/PublicIndex/CaseDetails. aspx? CourtAgency = 100038Casenum = 20'11CP1002946&CaseType = V&Org = CJ?&AslnuYutoDetectCookieSupport = 1; Yves Smith,"Repeated Foreclosures on an On-Time I30rrower Demonstrate Failure to Fix Servicing and Fallacy of ' Save Banks at All Costs' Policy," Naked Capitalism,June 17，2014。
艾比·洛佩兹： HSBC Bank v． Abby Lopez, Circuit Court of the Fifteenth Judicial Circuit in and for Palm Beach County, Florida, Civil Division, Case No. 50-2009-CA-0304030XXMBAW. Emails posted at 4closurefraud. org, " Lender Processing Services ( LPS) Internal Email Accidentally Leaked in a Fraudclosure Case," April 24, 2012. The Florida First Amendment Foundation filed motions to prevent the purge of the emails from the court record; its filing is available at http: //floridafaf. org/files/2012/12/HSBC-v-Lopez-Motion-for-In-Camera-Hearing-attachment-2. pdf。
菲尼克斯照明公司起诉摩根大通的案件：Complaint，Phoenix Light v. JPMorgan Chase, Supreme Court of the State of New York, County of New York, September 4,2013, available at www. scribd com/doc/165380406/Phoenix。
2012年一起针对巴克莱银行提起诉讼的案件： Consolidated Complaint, HSH Nord-bank et al. v. Barclays Bank, Supreme Court of the State of New York, County of New York, Index No. 652678/2011, filed April 2, 2012, available at www. iabaton. com/en/cases/upload/HSH-v-Barclays- Consolidated- Complaint．pdf。
“华尔街的一些最不道德的行为并不违法”： Interview with President Obama, 60 Minutes，CBS News, December 11, 2011, transcript p.8,www. cbsnews. com/news/interview-with-president-obsma-the- full-transcript/8。
法官约瑟夫·安德逊驳回了大部分案件： Order，United States of America ex rel. Lynn E. Szymoniak v. American Home Mortgage Servicing et al. , United States District Court, District of South Carolina, Rock Hill Division, Case No. lO-cv-01465-JFA, filed May 12, 2014, available at https: //casetext. com/case/united-states-ex-rel-szymoniak-v-am-home-mortg-servicing。
戴米安说琳恩窃取了：Complaint and Demand for Jury Trial，Figueroa v. Szymoniak, Seventeenth Judicial Circuit, in and for Broward County,flled March 4, 2013, available at www. scribd.com/doc/168544786/Figueroa-v=Szymoniak; Martin Andelman, “ Some of Lynn Szymoniak's Millions May Belong to Someone Else，’’Mandelman Matters( blog),September 16, 2013。
戴米安针对银行提起的集体诉讼都被驳回： Per Curiam Opinion,Figueroa v. Merscorp, Inc., United States Court of Appeals for the Eleventh Circuit, Case No. 11-10984, May 11, 2012, available at https: //casetext.com／case/ figueroa-v-merscorp-inc。
这条线索是戴米安观点的核心：Complaint and Demand for Jury Trial，Figueroa v. Szymoniak, 5。
只有8300名房屋所有人获得了第一留置权本金减免：David Dayen,‘'Just 83, 000 Homeowners Get First-Lien Principal Reduction from National Mortgage Settlement, 90 Percent Less than Promised," Naked Capitalism,March19,2014, Total first-lien mortgage modifications (less“conditional” forgiveness, which can be withheld, and“180DPD forgiveness,”which extinguishes a loan that is unrecoverable): Bank of America 30, 609,JPMorgan Chase 18, 114, Citi 10, 296, Wells Farg0 23, 428, Ally Bank (known post-bankruptcy as ResCap) 1, 149, for a total of 83, 596。
多诺万吹嘘其所谓的500亿美元的有形收益： Shaun Donovan,“Mortgage Settlement Begins to Deliver," Politico, June 21, 2013。
如果服务商能够“免除”个人破产时已经执行过的债务： Shahien Nasiripour, "US Mortgage Bond Investors Take Large Hit," Financial Times,November 15, 2012; Gretchen Morgenson, "How to Erase a Debt That Isn't There," New York Times, September 29, 2012。
这种对房屋所有人的“馈赠”没有任何实际价值： David Dayen,"IRS Confirms That $ 12 Billion in 'Mortgage Relief' in National Mortgage Settlement Completely Worthless," Naked Capitalism, November 18, 2013。
最终得到了“侮辱性”的1480美元的现金赔偿：$1，480 figure via the Joint State-Federal National Mortgage Servicing Settlement FAQ,www. nationalmortgagesettlement. com/faq。
俄克拉何马州为止赎受害者设立了一项抵押贷款基金： Cary Aspinwall and Casey Smith, "Facing Foreclosure: Oklahoma Goes Its Own Way in Facing the Foreclosure Mess," Tulsa World, October 20, 2013. It should be noted that the Oklahoma program has helped significantly fewer borrowers, as the state tried to make subjective determinations of harm, which limited payouts. But each homeowner received an average of $ 11, 173,according to the Oklahoma attorney general。
另一项重大和解方案： Yves Smith，Whistleblowers Reveal How Bank of America Defrauded Horneowners and Paid for a Cover Up-All With the Help of "Regulators," self-published e-book based on an investigative series published at Naked Capitalism, available at http: //econ4. org/wp-content/uploads/201 3/04/Naked- Capitalism-Whistleblower-Report-on- Bank-o f-America-Foreclosure-Reviews-12. pdf。
银行则向2009年和2010年陷入止赎的全部420万家庭支付了36亿美元的现金："Amendments to Consent Orders Memorialize$9.3 Billion Foreclosure Agreement," press release, Office of the Comptroller of the Currency, February 28, 2013; Independent Foreclosure Review Payment Agreement Details, Office of the Comptroller of the Currency,\vvfvv. occ.gov/ news-issuances/news-releases/201 3/nr-ia-2013-60a. pdf。
但是“机器签署人”和文件欺诈以及掠夺性服务的泛滥有增无减：Roger Lohse, "Couple's Paid-Off Home Foreclosed Mistakenly," WPLG-TV Miami/Fort Lauderdale, March 17, 2014; Matt Drange, Amy Julia Harris, and Elizabeth Wagner, "Error Claims Cast Doubt on Bank of America Foreclosures in Bay Area," KNTV-TV San Francisco, April 27, 2013。
该调查小组没有公布任何高管、办公室、电话或工作人员的相关调查信息： Mike Gecan and Arnie Graff, "Obama's Mortgage Unit Is AWOL，”New York Daily News, April 18, 2012。
大部分调查工作：Robert Khuzam.i，testimony before House Financial Services Committee, May 17, 2012; David Dayen, "Waters Challenges Khuzami on Securitization Fraud Task Force, Gets Revealing Answers," FDL News, May 18, 2012, http: //shadovvproof com/20 12/0 5/1 8/waters-challenges-khuzami-on-securitization- fraud-task- force-gets-revealing-answers。
达成了几项抢占各大新闻媒体头条的和解方案： Ben Protess and Jessica Silver-Greenberg, "Tentative Deal Hands JPMorgan Chase a Record Penalty," New York Times, October 19, 2013; Aruna Viswanatha,"Citigroup to Pay $ 7 Billion to Settle U. S. Mortgage Probe," Reuters,July 14, 2014; Evan Perez, "Bank of America to Pay $ 16 65 Billion over Mortgages," CNNMoney, August 21, 2014。
370亿美元的罚款其实相当于只有110亿美元：David Dayen,"Tony West's Departure Ends Era of Pathetic Bank Settlements," Naked Capitalism, September 5, 2014。
特蕾莎和乔·朱迪斯：Karen Sudol，Todd South，and Chris Harris，"Despite Tearful Pleas, 'Real Housewives ' Stars Joe, Teresa Giudice Sentenced to Prison," NorthJersey. com, October 2, 2014. Case was United States of America v. Giuseppe & Teresa Giudice, United States District Court, District of New Jersey, filed July 29, 2013, available at www. justice.gov/sites/default/ files/usao-nj/legacy/2013/11/29/Guidice% 2C% 20Giuseppe% 20and% 20Teresa% 20Indictment. pdf"Stars of 'Real Housewives of New Jersey' Television Series Indicted on Fraud and Tax Charges," press release, U.S.Department of Justice, July 29, 2013, lists four agencies that worked on the case。
兰尼·布鲁尔和埃里克·霍尔德： Katelyn Polantz，“Holder’s Return to Covington Was Six Years in the Making," National Law Journal, July 5, 2015; Catherine Ho, "Lanny Breuer, Chief of DOJ's Criminal Division, Returns to His Old Law Firm Covington and Burling," Washington Post, March 28, 2013。
洛琳·欧莱礼·布朗： United States of America v． Lorrame Brown，United States District Court, Middle District of Florida, Jacksonville Division, Case No. 3: 12-cr-198-J-2S, filed November 20, 2012,available at www. scribd.com/doc/113917843/Brown。
以清理他办公室中10 567份被DocX搞混的土地登记记录：John O'Brien, Affidavit and Request for Restitution, United States of America v. Lorraine Brown, United States District Court, Middle District of Florida, Jacksonville Division, Case No.3: 12-cr-198-J-25filed January 11, 2013。
“我不知道你能怎么解决。”： Excerpt of Sentencing Hearing，United States of America v. Lorraine Brown, United States District Court,Middle District of Florida, Jacksonville Division, Case No. 3: 12-cr-198-J-25, April 23, 2013, 17 - 18。
布朗获刑五年，这是最高刑期：“Former Executive at Florida-Based Lender Processing Services Inc. Sentenced to Five Years in Prison for Role in Mortgage-Related Document Fraud Scheme," press release, U.S.Department of Justice, June 25, 2013。
佛罗里达乃至全国的很多法官： Allison Fitzgerald，“Homeowners Steamrolled as Florida Courts Clear Foreclosure Backlog," Center for Public Integrity, September 10, 2014。
州政府的确通过了一项加快止赎进程的法案： Drew Harwell，“'Faster Foreclosures' Law Unintentionally Slows Florida Filings,"Tampa Bay Times, September 10, 2013。
布劳沃德县的一位法官一天内审理了786起案件：Fitzgerald，“Homeowners Steamrolled”。
邦迪彻底放弃了：Kimberly Miller， “Attempt to Subpoena Foreclosure Mills Stalls," Palm Beach Post, February 6, 2012。
佛罗里达律师协会终于在2014年，取消了戴维·斯坦恩的律师资格： Andy Kroll, "Fallen Foreclosure King David J. Stern Disbarred,"Mother Jones, January 13, 2014。
马歇尔·C·沃森接受认罪协议： Law Offlce of Evan M. Rosen，"Marshall Watson Foreclosure Mill Shut Down After Guilty Plea and Consent to Judgment, Changed Name to Choice Legal Group," January 9,2013, www. evanmrosen. com/2013/01/09/marshall-watson-foreclosure-mill- shut- guilty-plea-consent-j udgmen t-choice-legal 。
他们之前的上诉，已经成为一项重要的上诉法院案例法： Adolfo Pesquera,“ 4th DCA Robo-Wlitnesses Rulinga Win for Former Condo Owners," Daily Business Review, August 29, 2012。
质证后，罗森打赢了这场官司：Michael Redman，“Full Deposition of Lona Hunt: Robo-Verifier of Foreclosure Complaints for Seterus/Fannie IVlae," 4closurefraud. org, November 12, 2014; Michael Redman, "Happy Thanksgiving from Lona Hunt-Foreclosure Case Dismissed After Taking Depo of Fannie Mae/Seterus Robo-Verifier," 4closurefraud. org, November 26, 2014。
但州最高法院裁定，自愿撤诉没有问题：Revised Opinion，Roman Pino v. Bank of New York, Supreme Court of Florida, Case No. SC11-69'7,issued February 7, 2013, available at www. floridasupremecourt. org/decisions/2013/scll-697. pdf。
他能够取得成功，是一件非常令人兴奋的事情：Michael Redman，"Judge Has Enough, Tells Bank Lawyer She Is Referring Him to the Bar in Our Latest Trial Win! " 4closurefraud. org, February 23, 2015。
格塞塔路的房子： US Bank N.A.v.Lisa Epstein，Case No. 50-2009-CA-005542XXXXMB, docket report at http: //courtcon. co. palm-beach.fl.us/pls/jiwp/ck_public_qry_doct.cp_dktrpt_frames? backto=P&case_id = 502009CA005542XXXXMB&begin_date = &end _ date =。
消费者金融权益保护局： Consumer Financial Protection Bureau，“2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules," January 17, 2013。
《房屋所有人权利法案》：“California Homeowner Bill of Rights Signed into Law," press release, California Office of the Attorney General, July 11;2012, Jennifer Bjorhus, " Minnesota to Get Stricter Law on Home Foreclosures，”Minneapolis Star-Tribune,May 23, 2013。
将该州转变为司法止赎州：Robert Brown，“Hawaii Adopts Nation's ‘Strongest' Foreclosure Law," Honolulu Civil Beat, May 4, 2011。
估计最少接近600万：“CoreLogic Reports 38，000 Completed Foreclosures inJuly 2015," press release, September 8, 2015. "Since the financial crisis began in September 2008, there have been approximately 5.8 million completed foreclosures aaoss the country. " Since the housing bubble peaked at the end of 2006, the number of post-bubble foreclosures is much higher。
止赎率与自杀人数相关： Jason N.Houle and Michael T.Light，“The Home Foreclosure Crisis and Rising Suicide Rates, 2005 t0 2010," American Journal of Public Health, April 17, 2014。
“灭绝事件”： Zoe Carpenter, "Five Years After Dodd-Frank, 'It's Still a tmanciaJ System That Needs Reform,’” The Nation, July 23, 2015。
特克汀以54%比46%的票选击败了刘易斯：Palm Beach County Supervisor of Elections, primary election results, August 26, 2014, available athttp: //results. enr. clarityelections. com/FL/Palm -Beach/52688/139169/en/summary. html; Jane Musgrave, "Ticktin Ousts Lewis, Goodman ps Two Rivals in Palm Beach Judge Races," Palm Beach Post, August 27, 2014。