Florida Legislature — 2008 Registrations by Principal Name
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IN the CIRCUIT COURT of COOK COUNTY, ILLINOIS COUNTY DEPARTMENT, CHANCERY DIVISION FEDERAL HOME LOAN BANK of CHICAGO, Plaintiff
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT, CHANCERY DIVISION FEDERAL HOME LOAN BANK OF ) CHICAGO, ) Plaintiff, ) No. 10 CH 45033 ) v. ) CORRECTED AMENDED COMPLAINT ) FOR RESCISSION AND DAMAGES BANC OF AMERICA FUNDING ) CORPORATION; BANC OF AMERICA ) SECURITIES LLC; BANK OF AMERICA, ) JURY TRIAL DEMANDED NATIONAL ASSOCIATION; BANK OF ) AMERICA CORPORATION; ) SECURITIZED ASSET BACKED ) RECEIVABLES, LLC; BARCLAYS ) CAPITAL INC.; CITIGROUP MORTGAGE ) LOAN TRUST INC.; CITIGROUP ) GLOBAL MARKETS INC.; CITIGROUP ) FINANCIAL PRODUCTS, INC.; ) CITIGROUP INC.; COUNTRYWIDE ) SECURITIES CORPORATION; ) COUNTRYWIDE FINANCIAL ) CORPORATION; CREDIT SUISSE ) SECURITIES (USA) LLC F/K/A CREDIT ) SUISSE FIRST BOSTON LLC; FIRST ) HORIZON ASSET SECURITIES, INC.; ) FIRST TENNESSEE BANK, NATIONAL ) ASSOCIATION; RESIDENTIAL ASSET ) MORTGAGE PRODUCTS, INC.; ) RESIDENTIAL ASSET SECURITIES ) CORPORATION; RESIDENTIAL ) FUNDING MORTGAGE SECURITIES I, ) INC.; RESIDENTIAL FUNDING ) SECURITIES LLC F/K/A RESIDENTIAL ) FUNDING SECURITIES CORPORATION; ) RESIDENTIAL FUNDING ) CORPORATION; GMAC MORTGAGE ) GROUP LLC F/K/A GMAC MORTGAGE ) GROUP INC.; ALLY FINANCIAL INC. ) F/K/A GMAC INC.; GS MORTGAGE ) SECURITIES CORP.; GOLDMAN, SACHS ) & CO.; GOLDMAN SACHS MORTGAGE ) COMPANY; THE GOLDMAN SACHS ) GROUP INC.; FINANCIAL ASSET ) SECURITIES CORP.; RBS ACCEPTANCE ) INC. F/K/A GREENWICH CAPITAL ) ACCEPTANCE, INC.; RBS SECURITIES ) INC. F/K/A GREENWICH CAPITAL ) MARKETS, INC.; RBS HOLDINGS USA ) INC. F/K/A GREENWICH CAPITAL ) HOLDINGS, INC.; SAND CANYON ) ACCEPTANCE CORPORATION F/K/A ) OPTION ONE MORTGAGE ) ACCEPTANCE CORPORATION; ) AMERICAN ENTERPRISE INVESTMENT ) SERVICES, INC.; AMERIPRISE ) FINANCIAL SERVICES, INC.; ) AMERIPRISE ADVISOR SERVICES, INC. ) F/K/A H&R BLOCK FINANCIAL ) ADVISORS, INC.; SAND CANYON ) CORPORATION F/K/A OPTION ONE ) MORTGAGE CORPORATION; H&R ) BLOCK, INC.; HSBC SECURITIES (USA) ) INC.; INDYMAC MBS, INC.; J.P. -
Complaint [PDF]
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF NEW YORK FEDERAL HOUSING FINANCE AGENCY, AS CONSERVATOR FOR THE FEDERAL NATIONAL MORTGAGE ASSOCIATION ___ CIV. ___ (___) AND THE FEDERAL HOME LOAN MORTGAGE CORPORATION, COMPLAINT Plaintiff, JURY TRIAL DEMANDED -against- CITIGROUP, INC.; CITIGROUP MORTGAGE LOAN TRUST, INC.; CITIGROUP GLOBAL MARKETS, INC.; CITIGROUP GLOBAL MARKETS REALTY CORP.; SUSAN MILLS; RANDALL COSTA; SCOTT FREIDENRICH; RICHARD A. ISENBERG; MARK I. TSESARSKY; PETER PATRICOLA; JEFFREY PERLOWITZ; and EVELYN ECHEVARRIA, Defendants. TABLE OF CONTENTS Page NATURE OF ACTION ...................................................................................................................1 PARTIES .........................................................................................................................................6 JURISDICTION AND VENUE ......................................................................................................9 FACTUAL ALLEGATIONS ........................................................................................................10 I. THE SECURITIZATIONS ................................................................................................10 A. Residential Mortgage-Backed Securitizations In General .....................................10 B. The Securitizations At Issue In This Case .............................................................12 C. The Securitization Process .....................................................................................12 1. -
A 040909 Breeze Thursday
Post Comments, share Views, read Blogs on CaPe-Coral-daily-Breeze.Com Ballgame Local teams go head to head in CAPE CORAL Bud Roth tourney DAILY BREEZE — SPORTS WEATHER: Mostly Sunny • Tonight: Mostly Clear • Saturday: Partly Cloudy — 2A cape-coral-daily-breeze.com Vol. 48, No. 89 Friday, April 17, 2009 50 cents Cape man guilty on all counts in ’05 shooting death “I’m very pleased with the verdict. This is a tough case. Jurors deliberate for nearly 4 hours It was very emotional for the jurors, but I think it was the right decision given the evidence and the facts of the By CONNOR HOLMES tery with a deadly weapon. in the arm by co-defendant Anibal case.” [email protected] Gaphoor has been convicted as Morales; Jose Reyes-Garcia, who Dave Gaphoor embraced his a principle in the 2005 shooting was shot in the arm by Morales; — Assistant State Attorney Andrew Marcus mother, removed his coat and let death of Jose Gomez, 25, which and Salatiel Vasquez, who was the bailiff take his fingerprints after occurred during an armed robbery beaten with a tire iron. At the tail end of a three-day made the right decision. a 12-person Lee County jury found in which Gaphoor took part. The jury returned from approxi- trial and years of preparation by “I’m very pleased with the ver- him guilty Thursday of first-degree Several others were injured, mately three hours and 45 minutes state and defense attorneys, dict,” he said Thursday. “This is a felony murder, two counts of including Rigoberto Vasquez, who of deliberations at 8 p.m. -
Be Storm Ready! Future
Serving Carmichael and Sacramento County since 1981 Volume 29 Issue 02 www.CarmichaelTimes.com January 13, 2009 Sacramento County to Residents: Building America’s Be Storm Ready! Future L-R: John Meyers, VPNLC, Rick Lindley, Sam’s Club Manager, store empoyee, Mike O’Docharty, SVPNLC, Joe Fraccola, PAO, Zoe Ann Murray, Director, Malcolm Tucker, President NLC. Sam’s Club, El Camino & Watt Ave, Rick Lindley, Club Manager & Patty Frank, Membership Manager recently presented a Grant check for $1500 to Navy League Sacramento Council Vice President Military Affairs, John Meyers in support of the Council’s Monthly Award Programs. John Meyers, on behald of the Navy League Sacramento Council presented a Certificate of Appreciation to Sam’s Club Manager Rick Lindley for their generous grant. This ceremony took place during Sam’s Club open house to all from Lisa Park, Sacramento County principal engineer with the Sacramento · Know the safest route from your non members Veterans in the community. County Department of Water Resources. home or business to high, safe ground. This Grant will be used in our December and January are historically “With Fall leaves still on the ground one · Place insurance policies and lists of community to help the Navy League the months with the highest amount of of the best things you can do to prevent personal property in a safe place, such as a build America’s future through successful rainfall and with rain forecasted to begin flooding is to rake up and dispose of safe deposit box. youth programs like the Naval Sea Cadet as early as this weekend, Sacramento leaves properly.” · Prepare a family disaster supply Corps and the Navy League Foundation County’s Department of Water Resources We encourage you to prepare ahead kit complete with a flashlight, battery Scholarship Program. -
Randall Complaint
Vito Torchia, Jr. (SBN244687) 1 [email protected] BROOKSTONE LAW, PC 2 18831 Von Karman Ave., Suite 400 Irvine, CA 92612 3 Telephone: (800) 946-8655 Facsimile: (866) 257-6172 4 E-mail: [email protected] 5 Attorneys for Plaintiffs 6 7 SUPERIOR COURT OF THE STATE OF CALIFORNIA 8 COUNTY OF LOS ANGELES 9 BC526888 10 DOUGLAS RANDALL, an individual; Case No.: LOLITA RANDALL, an individual; MARK 11 COMPLAINT FOR: GENNARO, an individual; MANUEL 12 SEDILLOS, an individual; MICHELLE 1. INTENTIONAL PLACEMENT OF ROGERS, an individual; ANTONIO BORROWERS INTO DANGEROUS LOANS 13 HERNANDEZ, an individual; DONNA THEY COULD NOT AFFORD THROUGH COORDINATED DECEPTION, IN THE NAME 14 HERNANDEZ, an individual; LAURO OF MAXIMIZING LOAN VOLUME AND THUS ROBERTO, an individual; AMALIA PROFIT 15 ROBERTO, an individual; VINCENT COUNTl-FRAUDULENTCONCEALMENT LOMBARDO, an individual; LORRAINE 16 LOMBARDO, an individual; SHIRLEY COUNT 2- INTENTIONAL MISREPRESENTATION 17 COFFEY, an individual; DINA GARAY, an individual; JAMES FORTIER, an COUNT 3- NEGLIGENT MISREPRESENTATION 18 individual; ANGEL DIAZ, an individual; COUNT 4- NEGLIGENCE ALICE SHIOTSUGU, an individual; 19 VICENTE PINEDA, an individual; JERRY COUNT 5- UNFAIR, UNLAWFUL, AND FRAUDULENT BUSINESS PRACTICES 20 ROGGE, an individual; MICHAEL (VIOLATION OF CAL. BUS. & PROF. CODE SHAFFER, an individual; VICTORIA §17200) 21 ARCADI, an individual; DEBORAH 2; INDIVIDUAL APPRAISAL INFLATION BECKER, an individual; YOUSEF 22 LAZARIAN, an individual; LINAT COUNT 6- INTENTIONAL 23 LAZARIAN, an individual; DIANA MISREPRESENTATION BOGDEN, an individual; SHILA COUNT 7-NEGLIGENTMISREPRESENTATION 24 ARDALAN, an individual; GEORGE COUNT 8- NEGLIGENCE 25 CHRIPCZUK, an individual; ROBERT ORNELAS, an individual; LICET COUNT 9- UNFAIR, UNLAWFUL, AND FRAUDULENT BUSINESS PRACTICES ORNELAS, an individual; AMIE GA YE, an 26 (VIOLATION OF CAL. -
The Causes of Fraud in Financial Crises: Evidence from the Mortgage-Backed Securities Industry
IRLE IRLE WORKING PAPER #122-15 October 2015 The Causes of Fraud in Financial Crises: Evidence from the Mortgage-Backed Securities Industry Neil Fligstein and Alexander Roehrkasse Cite as: Neil Fligstein and Alexander Roehrkasse (2015). “The Causes of Fraud in Financial Crises: Evidence from the Mortgage-Backed Securities Industry”. IRLE Working Paper No. 122-15. http://irle.berkeley.edu/workingpapers/122-15.pdf irle.berkeley.edu/workingpapers FRAUD IN FINANCIAL CRISES The Causes of Fraud in Financial Crises: Evidence from the Mortgage-Backed Securities Industry* Neil Fligstein Alexander Roehrkasse University of California–Berkeley Key words: white-collar crime; finance; organizations; markets. * Corresponding author: Neil Fligstein, Department of Sociology, 410 Barrows Hall, University of California– Berkeley, Berkeley, CA, 94720-1980. Email: [email protected]. We thank Ogi Radic for excellent research assistance, and Diane Vaughan, Cornelia Woll, and participants of conferences and workshops at Yale Law School, Sciences Po, the German Historical Society, and the University of California–Berkeley for helpful comments. Roehrkasse acknowledges support by the National Science Foundation Graduate Research Fellowship under Grant No. DGE 1106400. All remaining errors are our own. FRAUD IN FINANCIAL CRISES ABSTRACT The financial crisis of 2007-2009 was marked by widespread fraud in the mortgage securitization industry. Most of the largest mortgage originators and mortgage-backed securities issuers and underwriters have been implicated in regulatory settlements, and many have paid multibillion-dollar penalties. This paper seeks to explain why this behavior became so pervasive. We evaluate predominant theories of white-collar crime, finding that those emphasizing deregulation or technical opacity identify only necessary, not sufficient conditions. -
Regulation Z; Docket No
Wednesday, January 9, 2008 Part II Federal Reserve System 12 CFR Part 226 Truth in Lending; Proposed Rule VerDate Aug<31>2005 18:17 Jan 08, 2008 Jkt 214001 PO 00000 Frm 00001 Fmt 4717 Sfmt 4717 E:\FR\FM\09JAP2.SGM 09JAP2 pwalker on PROD1PC71 with PROPOSALS2 1672 Federal Register / Vol. 73, No. 6 / Wednesday, January 9, 2008 / Proposed Rules FEDERAL RESERVE SYSTEM instructions for submitting comments at VI. Proposed Definition of ‘‘Higher-Priced http://www.federalreserve.gov/ Mortgage Loan’’ 12 CFR Part 226 generalinfo/foia/ProposedRegs.cfm. A. Overview • B. Public Comment on the Scope of New [Regulation Z; Docket No. R–1305] Federal eRulemaking Portal: http:// www.regulations.gov. Follow the HOEPA Rules Truth in Lending instructions for submitting comments. C. General Principles Governing the • E-mail: regs.comments@ Board’s Determination of Coverage AGENCY: Board of Governors of the federalreserve.gov. Include the docket D. Types of Loans Proposed To Be Covered Federal Reserve System. number in the subject line of the Under § 226.35 E. Proposed APR Trigger for § 226.35 ACTION: Proposed rule; request for message. public comment. • F. Mechanics of the Proposed APR Trigger Fax: (202) 452–3819 or (202) 452– VII. Proposed Rules for Higher-Priced SUMMARY: The Board proposes to amend 3102. • Mortgage Loans—§ 226.35 Regulation Z, which implements the Mail: Address to Jennifer J. Johnson, A. Overview Truth in Lending Act and Home Secretary, Board of Governors of the B. Disregard of Consumers’ Ability To Ownership and Equity Protection Act. Federal Reserve System, 20th Street and Repay—§§ 226.34(a)(4) and 226.35(b)(1) The goals of the amendments are to Constitution Avenue, NW., Washington, C. -
Open Final - HOW INCENTIVES CONTRIBUTED to the GREAT Recessiondocx.Pdf
THE PENNSYLVANIA STATE UNIVERSITY SCHREYER HONORS COLLEGE DEPARTMENT OF FINANCE HOW INCENTIVES CONTRIBUTED TO THE GREAT RECESSION? RENYU WU SPRING 2017 A thesis submitted in partial fulfillment of the requirements for a baccalaureate degree in Finance with honors in Finance Reviewed and approved* by the following: Sajay Samuel Clinical Professor of Accounting Thesis Supervisor Brian Davis Clinical Associate Professor of Finance Honors Adviser * Signatures are on file in the Schreyer Honors College. i ABSTRACT Incentives are widely assumed to be both necessary and beneficial to the proper functioning of markets. Unsurprisingly, a variety of incentives were used throughout the securitized mortgage market. Every link in that so called “securitized food chain” was regulated by incentives mechanisms designed to align the interests of the contracting parties. Yet, the failure of this securitized mortgage market was a key element in the most consequential economic disaster since the Great Depression. In this essay, I describe the incentive mechanisms built into the mortgage backed securities market. I review the claims made on behalf of these mechanisms and highlight the recognition of their failure as contributing to the financial crisis of 2008. I then argue that incentive mechanisms will always fail to work as expected and further that behaving in response to incentives is not the same as behaving ethically. ii TABLE OF CONTENTS LIST OF FIGURES .................................................................................................... -
North Atlantic Regional Business Law Association
Published by Husson University Bangor, Maine For the NORTH ATLANTIC REGIONAL BUSINESS LAW ASSOCIATION EDITORS IN CHIEF William B. Read Husson University Marie E. Hansen Husson University BOARD OF EDITORS Robert C. Bird Carter H. Manny University of Connecticut University of Southern Maine Gerald R. Ferrera Christine N. O’Brien Bentley University Boston College Stephanie M. Greene Jason H. Peterson Boston College Suffolk University William E. Greenspan Lucille M. Ponte University of Bridgeport Florida Coastal School of Law Anne-Marie G. Hakstian Margo E.K. Reder Salem State College Boston College Chet Hickox Patricia Q. Robertson University of Rhode Island Arkansas State University Stephen D. Lichtenstein David Silverstein Bentley University Suffolk University Gerald A. Madek David P. Twomey Bentley University Boston College i GUIDELINES FOR 2012 Papers presented at the 2012 Annual Meeting and Conference will be considered for publication in the Business Law Review. In order to permit blind peer refereeing of manuscripts, papers must not identify the author or the author’s institutional affiliation. A removable cover page should contain the title, the author’s name, affiliation, and address. If you are presenting a paper and would like to have it considered for publication, you must submit two clean copies, no later than March 26, 2012 to: Professor William B. Read Husson University 1 College Circle Bangor, Maine 04401 The Board of Editors of the Business Law Review will judge each paper on its scholarly contribution, research quality, topic interest (related to business law or the legal environment of business) writing quality, and readiness for publication. Please note that, although you are welcome to present papers relating to teaching business law, those papers will not be eligible for publication in the Business Law Review. -
Obama Truthers--He's Gay and His BC Is a Total Forgery
Obama truthers--he's gay and his BC is a total forgery NewsFollowUp.com Franklin Scandal Omaha search pictorial index sitemap home .... OBAMA TOP 10 FRAUD .... The Right and Left Obama Truthers Obama's public personal records The Right and are a total fraud. We agree. It's most importantly a blackmail issue and the public's duty to uncover deception. Left Obama MORE and Donald Trump: Trump's video, $5 million to charities if he releases personal records. http://www.youtube.com/watch?v=MgOq9pBkY0I&feature=youtu.be&hd=1 Truthers Selective Service card VP Joe Biden Purple Hotel Spencer, Bland & Young Limbaugh, Corsi more 14 Expert Reports on technical analysis of the Obama public records Jerome Corsi believes Obama is Gay. Rush Limbaugh's Straight Entertainment says Obama is gay. HillBuzz interview with Larry Sinclair (gay tryst with Obama) Israel Science & Technology says Obama's birth certificate is a forgery based on expert analysis of the typography and layout of elements in the long-form birth certificate. ... layers Maricopa County Sheriff Joe Arpaio (Arizona) determined in 2012 there is probable cause to suspect the document released by the White House as Barack Obama’s birth certificate is a forgery MORE News for the 99% ...................................Refresh F5...archive home NFU MOST ACTIVE PA Go to Alphabetic list 50th Anniversary of JFK assassination Academic Freedom "Event of a Lifetime" at the Fess Conference Parker Double Tree Inn. Obama Death List JFKSantaBarbara. Rothschild Timeline Bush / Clinton Body Count Back to Obama Home Obama Gay Chicago Spencer, Bland and Young Examiner Who is Barack Hussein Obama/Barry Chicago 2012 Campaign Soetoro? It is alleged that Barack Obama has spent $950,000 to $1.7 million with 11 law firms in 12 Lawsuit dismissed below states to block disclosure of his personal records; which includes birth information, K-12 education, Stuart Levine, Ashley Turton below Occidental College, Columbia University, and Clinton, Sinclair Harvard Law School. -
Under Scrutiny, Ameriquest Details Procedures
EBSCOhost http://web.ebscohost.com.proxygw.wrlc.org/ehost/delivery?hid=18&sid=... Record: 1 Title: Under Scrutiny, Ameriquest Details Procedures. (cover story) Authors: Bergquist, Erick Source: American Banker; 6/30/2005, Vol. 170 Issue 125, p1-11, 3p, 3 Color Photographs, 1 Black and White Photograph, 2 Graphs Document Type: Article Subject Terms: *MORTGAGE brokers *FINANCIAL services industry *MORTGAGE loans *STRATEGIC planning *GOVERNMENT regulation Geographic Terms: CALIFORNIA UNITED States Company/Entity: AMERIQUEST Capital Corp. NAICS/Industry Codes: NAICS/Industry Codes 522291 Consumer Lending 522292 Real Estate Credit 522310 Mortgage and Nonmortgage Loan Brokers People: ARNALL, Roland MITAL, Aseem Abstract: Offers a look at Ameriquest Capital Corp., a leading subprime mortgage lender in the U.S., based in California. Report that the company is owned by its only shareholder, Roland Arnall; Importance of advertising in Ameriquest's business strategy; Report that regulators are investigating Ameriquest's retail lending practices; Details of corporate strategy as described by Ameriquest executives; Comments of Aseem Mital, CEO of the umbrella group over Ameriquest's mortgage unit, on regulatory attention given to the company's activities. Full Text Word Count: 3071 ISSN: 0002-7561 Accession Number: 17495771 Database: Business Source Premier Section: Mortgages Under Scrutiny, Ameriquest Details Procedures Despite its ubiquitous brand -- advertised everywhere from major league ballparks to this summer's Rolling Stones tour -- and its phenomenal growth since 2002, little is known about the inner workings of Ameriquest Capital Corp. The nation's top subprime mortgage lender operates out of a 12-story high-rise in southern California, barely distinguishable from the others that dot Orange County's maze of freeways. -
ARTICLE II a Guide to the 2007-2008 North Carolina Legislature
ARTICLE II A Guide to the 2007-2008 North Carolina Legislature by Sam Watts NORTH CAROLINA CENTER n FOR PUBLIC POLICY RESEARCH r Mar 2007 Article II of the N.C. Constitution Section 1. Legislative Power The legislative power of the State shall be vested in the General Assembly. which shall consist of a Senate and a House of Representatives. Section 2. Number of Senators The Senateshall be composedof 50 Senators. biennially chosen by ballot. Section4 . Number of Representatives The House of Representatives shall be composed of 120 Representatives. biennially chosen by ballot. Section 24(4). General Laws The General Assembly may enact general laws regulating the matters set out in this Section Acknowledgments The NorthCarolina Center for Public Policy Research is supportedin partby a grantfrom the Z. SmithReynolds ]Foundationin Winston- Salem. North Carolina. Additional funding comes from 10 other foundations. 150 corporatecontributors , and almost 600 individual membersacross the state. Article tl.• A Guile to the 2097-2008 North Camliaa Legislmure Primedby l ltn DavisSore. 7,cbulon.N.C. Productionby Pumx Anotm UrNLro. Racigh. N.C. Copyrigbs 0 2007 by the NorthCarolina Cairo for Public Policy Reaeatcb,Inc. 5 West Hargett Sues. Sulu 701 PactOffice Box 430 Raleigh.North Carolina 27402 Tel.: (919) 832-209 FAX: f Q19)832.2847 h#p:/tww.stacrppr..org ARTICLE II A Guide to the 2007-2008 North Carolina Legislature by Sam Watts NORTH CAROLINA CENTER FOR PUBLIC POLICY RESEARCH W W 5 West Hargett Street, Suite 701 P.O. Box 430 Raleigh, North Carolina 27602 Tel.:(919) 832-2839 FAX: (919) 832-2847 http: //www.