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    Georgiana, Duchess of Devonshire:  Ultimate Fan Guide

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    Occupy Wall Street: What Just Happened? eBook

    Reflections on Occupy Wall Street, with photos, fun, and good wishes for the future. eBook, Occupy Wall Street: What Just Happened? (Only $.99 !) In the eBook, the Occupy movement is explored through original reporting, photographs, cartoons, poetry, essays, and reviews.The collection of essays and blog posts records the unfolding of Occupy into the culture from September 2011 to the present.  Authors Kimberly Wilder and Ian Wilder were early supporters of Occupy, using their internet platforms to communicate the changes being created by the American Autumn.

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Federal Reserve Should Withdraw Proposals that Enable Loan Scams on Senior Citizens

In 1935, Cret designed the Seal of the Board o...

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The Fed has issued a wide-ranging proposal on reverse mortgages—a loan product that represents a growing market for lenders, but which can pose major risks for elderly homeowners. In comments submitted to the Board, the groups detail how the Board’s proposal would permit several negative outcomes:

  • Bundling harmful and unnecessary products with reverse mortgages.  When seniors get a reverse mortgage, the lender would be allowed to also sell them harmful or unnecessary financial products after a 10-day waiting period.
  • False advertising. Would allow advertisers to make false statements, such as “you can never lose your home,” as long as they present additional information.
  • Gouging homeowners unfairly.  Would open the door for a harmful new type of reverse mortgage where borrowers could owe much more than the home is worth.  As it stands now, borrowers cannot owe more than the home is worth if they pay off the reverse mortgage by selling the home.
  • Undermining the new Consumer Financial Protection Bureau. Clashes with specific requirements in the financial reform bill passed last summer, which calls on the Consumer Financial Protection Bureau to study reverse mortgages and issue regulations based on its findings.

Another major issue involves the “right of rescission,” which provides homeowners up to three years to refinance or restructure a mortgage if a lender made the loan without providing timely and accurate disclosures about the loan’s terms and conditions. Under the new proposal, the definition of “accurate” disclosures would be relaxed, allowing, for example, a lender to tell a homeowner that the monthly payment was $100 less than it actually was. The groups urge the Fed to preserve this right of rescission, which has been a major tool in combating predatory lending.

via Federal Reserve Should Withdraw Proposals that Enable Loan Scams on Senior Citizens.

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