19 挣脱困境
19 挣脱困境
因杰出的商业报道获得著名的杰拉尔德·勒伯奖：“UCLA Anderson Announces 2012 Gerald Loeb Award Winners," press release, Anderson School of Management, UCLA, June 26,2012。
琳恩的案件被法官驳回了：Michael Redman，“Victory l Our 60 Minutes Hero, Lynn Szymoniak, had Her Foreclosure Case Dismissed,"4closurefraud. org, April 5， 2011。
人人都知道琳达·格林这个名字了： Michael Redman，“Another Successful Foreclosure Fraud Happy Hour," 4closurefraud. org, April 22, 2011。
奥布莱恩向州首席检察官玛莎·科克利申请资金以进行一次完整审计： John Carney, "The MEP,S Wars Heat Up in Massachusetts," CNBC,November 30, 2010; Jenifer B. McKirn, "Firm May Skirt Millions in Property Fees," Boston Globe, December 15, 2010; "O'Brien Calls on MEPS to Come Clean and Pay Up: Says Essex County Owed$ 22 Million Dollars,"press release, February 22, 2011, available at www. foreclosurehamlet. orgiprofiles/／blogs/deadbeat-mers- to-be-billed-22。
“我相信银行的行动比语言更能展现他们的罪恶感。”： David Dayen,"Register of DeedsJohn O'Brien Releases Forensic Study, Finds Mass Fraud in Foreclosure Docs," FDL News, June 30, 201t, http: //shadowproof. com/20 11/06/30/register-o f-deeds-j ohn-obrien- releases- forensic-study- finds-mass-fraud-in- foreclosure-docs 。
西格彭和奥布莱恩起草了一封公开信： “Register of Deeds Jeff Thigpen ( NC) and John O'Brien ( MA) Ask 50 State Attorney General Foreclosure Work Group to Require All Past and Present MERS Assignments to Be Filed!" press release, April 7,2011, available at http: //myemail.constantcontact. oom/MEDIA-RELEASE-Register-of-Deeds-Thigpen-NC-and-O-Brien-MAS S-Letter-to-Iowa-AG-Miller-and-50 -State-Attorney-Generals-Foreclos. html? soid﹦11006738776546aid﹦ 3bLOFyi43yE。
“对公众信任的背叛”：WGHP_TV，Greensboro，“Thousands of Guilford Mortgage Documents Could Be Fraudulent, County Officials Say,"May 4, 2011,availableathttps: //web.archive,org/we～20110507073044/http: //www. myfox8,com/news/wghp-story-guilford-mortgage-fraud=t10504,o,379574. story; David McLaughlin，“BofA，Wells Fargo Mortgage Papers Challenged in North Carolina," Bloornberg Business， May 4, 2011。
这将花费200亿到300亿美元：Nick Timiraos，Dan Fitzpatrick，and Ruth Simon, "U. S.Pushes Mortgage Deal," Wall Street Journal,February 24，2011。
“大量的欺诈行为”： Charles Jaco，“Missouri Foreclosure Fraud: Some Say the Entire System Is Broken,”KTVI-Fox2Now, March 17, 2011,available at https://web. archive. org/web/20110321075547/http：//www. fox2now. com/ktvi-foreclosure-fraud-missouri-31711, 0, 7746033.story。
提议的解决方案听起来就像住房可偿付调整计划的2.0版： Marcy Wheeler,“ HAMP II:The $ 20 Billion Get Out of Jail Free Card,"Emptywheel, February 23, 2011。
“我觉得我不应该谈论协议中将会出现的内容。”：Matt Stoller，“AG Tom Miller Negotiating in Secret With Banks over Whether to Put Bankers in Jail，”Roosevelt Institute,February 26, 2011。
“和解条款单”：David McLaughlin, "Foreclosure Settlement Terms Sent to Banks by U. S.，States,”Bloomberg Business,March4, 2011。
“没有刑事起诉，就无法和解。”：Michael Redman，“50 State Attorney General 27 Page 'Settlement' on Fraudclosures," 4closurefraud. org, March 7, 2011。
他们说，到底是做一些能立即帮助房屋所有人的事情，还是做一些与问题规模相称的事情，两种选择之间会有冲突： Davidnayen，"Democratic Attomeys General Question Unclear, Rushed Mortgage Servicer Settlement，”FDL News, March 24, 2011, http: //shadowproof. com/2011/03/24/democratic-attomeys-general-question-unclear-rushed-mortgage-servicer-settlement。
在数百名调查人员对银行进行的全面跨部门审查中：TestimonY of John Walsh, acting comptroller of the currency, Senate Banking Committee,February 17, 2011, 13 - 17, available at www. propublica. org/documents/item/ testimony-o f-occs-j ohn-walsh- feb-1 7-2011。
调查只涉及了2 800份贷款文件：Yves Smith，“Feds Reviewed Only 100 Foreclosure Files in Servicer Whitewash," Naleea' Capitalism, May 14, 2011。
“严重缺陷”：Testimony of John Walsh,15。
摩根大通迅速采取行动，解雇了：Dawn Kopecki，“JPMorgan Ousts Home-Lending Chief After Foreclosure Lapses," Bloomberg Business, June 14,2011; Associated Press, "JPMorgan to Make Amends with Military Clients,"February 15，2011。
而这是“迷彩伪装之下的清洗”：David Dayen,“Camo_Washing：BofA Offers Principal Reduction Program for Service Members," FDL News,March 10, 2011, http: //shadovvproof. com/2011/03/10/camo-washing-bo fa-o ffers-principal- reduction-program- for-service-members。
货币监理局和美联储： Board of Governors of the Federal Reserve System, press release, April 13, 2011, www. federalreserve gov/newsevents/press/enforcement/20110413a. htm。
犯罪机构自行决定对自己的惩罚措施：David Dayen，“A Slap on the Wrist for Mortgage Fraud，”American Prospect, April 15, 2011。
就在发布执行命令的第三页：Lisa Epstein，“Federal Banking Regulators Expose Massive Mortgage I3acked Securities Fraud as Part of Fraudclosure Investigation?" Foreclosure Hamlet, April 14, 2011。
在威尔诉美国住房抵押贷款服务商的案件中：Opinion，Veal v．American Home Mortgage Servicing et a1．， United States Bankruptcy Appellate Panel of the Ninth Circuit, BAP Nos. A2-10-1055-MkKiJu and A2-10-1056-MkKiJu, Appeal from the United States Bankruptcy Court for thenistrict of Arizona, opinionflled June 10, 2011, http: //cdn. ca9.uscourts. gov/datastore/bap/2012/11/08/Veal-10-1055corr_ 06_10_2011. pdf。
亚拉巴马州（荷蕾丝诉拉萨尔银行一案）和密歇根州（亨德里克斯诉美国银行一案）： Opinion and Order, Phyllis Horace v． Lasalle BankN．A. , District Court of the United States for the Middle District of Alabama,Eastern Division, Civil Action No. 3: 08cv1019-MHT, opinion filed February 17, 2009, http: //law. justia. com/cases/federal/district-courts/alabama/almdce/3: 2008cv01019/39791/32; Opinion and Qrder Denyin9 in Part and Granting in Part Defendant's Motion for Summary Disposition and Granting Plaintiffs Motion for Summary Disposition, James Hendricks v. U.S. Bank, N.A．，State of Michigan, VJashtenaw County Trial Court, Case No. 10-849-CH, June 6,201／1, available at www. scribd. com/doc/5 73 745 61/Hendricks-v-U- S-Bank。
纽约银行诉西弗堡一案： Opinion of the Court，Bank of New York v．Silverberg, Supreme Court of the State of New York, Appellate Division,Second Judicial Department, Case No. 2010-00131, decided onJune 7, 2011,www. courts. state. ny. us/Reporter/3dseries/2011/2011_05002. htm。
戴维·J·斯坦恩律所放弃了：Letter from David J．Stern to Chief Judge, March 4, 2011, available at www. scribd. com/doc/50227529/Letter-From-David-J- Stern-to-Chief-Judge。
本·埃兹拉·卡茨律所：Kimberly Miller，“Ben-Ezra and Katz to Close Foreclosure Business, Second South Florida Firm to Shut Its Foreclosure Operations，”Palm 13each Post, April 28, 2011。
到头来，斯坦恩律所才是真正的“老赖”： Michael Reclman，"Deadbeat ｜ David J.Stern, Dethroned 'Foreclosure King' Does Not Pay His Bills，”4closurefraud. org, April 10, 2011。
州长瑞克·斯考特批准了司法部门的贷款： Zach Carter，“‘Awful'Florida Foreclosure Courts May Shut Down Due to GOP 7Budget Cuts,"Huffington Post,May 19,2011。
“太拥挤了”： Lisa Epstein, "Foreclosure Hearings Closed to Public Despite FL Supreme Court Justice Canady's Order," Foreclosure Hamlet, May 6, 2011。
奇普·帕克收到了一则佛罗里达律师协会的投诉，仅仅因为他向CNN做出了关于法院“火箭速度办案”事件的负面评论。马特·韦德纳也因与记者交谈而受到调查：Julie Kay，“Lawyers Investigated for Criticizing System," Daily Business Review, May 18, 2011。
在法官听取律师马克·斯托帕的辩解之前，法警勒令他从法庭上退下：Mark Stopa, "Mark Stopa Thrown Out of Court (Literally)，” Stopa Law Blog, April 20, 2011, www. stayinmyhome. com/blog/mark-stopa-thrown-out-o f-court-literally 。
威克多·托宾： Kimberly Miller，“Broward Chief Judge Resigns to Join So-Called 'Foreclosure Mill,' " Palm Beach Post, May 18, 2011。
火箭速度办案进入快车道后在九个月内清理了14万起止赎案件：Kimberly Miller, "Foreclosure Crisis: Fed-UpJudges Crack Down on Disorder in the Courts," Palm J3each Post, April 4, 2011。
该县法官詹姆斯·汤普森： Abigail Field，“The Foreclosure Mess:FloridaJudges Can Do Better," Daily Finance, December 24, 2010; Abigail Field, "Florida Is Still Letting Banks Break the Rules in Foreclosure Cases,"Daily Finance, January 5, 2011-。
他们提交了一项紧急动议： “ACLU Charges High-Speed Florida Foreclosure Courts Deprive Homeowners of Chance to Defend Homes,"ACLU press release, April 7, 2011; Petition for Writ of Certiorari or Writ of Prohibition, George E. hilerrigan v. Bank of New York Mellon, District Court of Appeal, State of Florida, Second Distria,Case No. 09-CA-055758,available at www. scribd. com/doc/52504270 (note that petitioner's name is Georgi Merrigan, but the circuit court erroneously referred to her as "George Merrigan'’）。
否决了美国民权同盟的要求：“ACLU Calls for Immediate Reform of r-righ-Speed Florida Foreclosure Courts," ACLU press release, June 27, 2011。
公民战士电台每周六上午8点录制节目： Michael Redman，“Warrior Lawyers [ New Radio Show Saturdays from 8 - 10 am EDT with 4closureFraud. org and ForeclosureHamlet. org," 4closurefraud. org, May 6, 2011。
联邦当局以一项欺诈抵押贷款机构的密谋罪名起诉了卡罗尔：Kimberly Miller, "Two More Indicted in Alleged Versailles Mortgage Fraud,"Palm Beach Post, April 29, 2011。
我觉得很不安，政府总是动用一切资源： lbid。
他只想保住他的工作：Steve Dibert，“Foreclosure Attorney and Owner of 4closurefraud. org Indiaed for Mortgage Fraud," Mortgage Fraud Investigations-Miami,April 30,2011,http: //mfi-miami.oom/2011/04/foreclosure-attomey-owner-of-4closurefraud-org-indicted- for-mortgage- fraud。
法官对她处以两年半的监禁：Martha Neil，“Lawyer Who Fought Foreclosure Fraud Takes Federal Plea in Straw-Buyer Money-Laundering Conspiracy," American Bar AssociationJournal, October 12, 2011; Kimberly Miller, " 'God-Fearing' Former Lawyer Will Serve 2X Years in Prison for Versailles Mortgage Scam," Palm Beach Post, November 19, 2011。
总检察长帕姆·邦迪：Michael Reclman，"Marshall c．Watson ｜Florida Attorney General Pam Bondi Settles Investigation Against One of Florida's Largest Foreclosure Firms," 4closurefraud. org, March 25, 2011。
不对银行处以罚金以达成一项五十州的和解： Kimberly Miller，“Bondi Voices Concern over Home Loan Reductions," Palm Bea出Post,March 23，2011。
“引发全国范围内对止赎行为的审查”： Kimberly Miller，“Florida Fraud Report Key to New York Foreclosure Case," Palm Beach Post, July 16,2011。
“这是上面的意思。塔拉哈西那边并没有给我一个具体的理由。”：Stefan Kamph, "June Clarkson and Theresa Edwards Were Fired After Revealing Widespread Foreclosure Fraud," Broward/Palm Beach New Times,June 21，2012。
前副总检察长乔·雅克： Ibid。
她跳槽去了房屋止赎厂夏皮罗·菲什曼律所：Michael Redman，"Erin Collins Cullaro ｜ Fired Assistant Attorney General to Pam Bondi Joins ‘ForeclosureMill'ShapiroandFishman,”May27,2011,4closurefraud. org。
随后，她的发言人发表了一份声明：Kathleen Haughney，“Florida Attorney General, Two Fired Lawyers in Public Dispute," Orlando Sun-Sentinel, July 21, 2011。
正如克拉克森和爱德华兹两位女士所发现的那样： Letter from Andrew Spark, Assistant Attorney General, Tampa Economic Crimes, August 8,2011,availableatwww.tampabaycom/specials/2011/PDFs/bondi081811/sparkletter. pdf。
丽莎要求州总检察长对两位检察官的解雇事件正式调查： Michael Redman, "Dissecting the Pam Bondi/Jeff Atwater Inspector General Report re June Clarkson, Theresa Edwards and Lisa Epstein," 4closurefraud. org,January 9,2012, http: //4closurefraud. org/2012/01/09/dissecting-the-pam-bondi-je ff-a twater-inspector- general- report-re-j une-clarkson- theresa- edwards-and-lisa-epstein/。
公民利益团体佛罗里达进步组织也响应了这一要求：David Da'Jen’"Update on the Investigators Fired by Florida's AG for Pursuing Foreclosure Fraud，”FDL NeWS, July 28, 2011, http: //shadowproof. com/2011/07/2 8/update-on- the-investigators- fired-by- floridas-ag- for-pursuing- foreclosure-fraud。
包括在公民战士电台上： Michael Redman，“Citizen Warriors Exclusive Part Deux ｜ Former Bondi Assistant Attomeys General & Foreclosure Fraud Investigators June Clarkson & Theresa Edwards Live on WDJA 1420AM Saturday from 8 - 10 am EDT," 4closurefraud. org, August 5, 2011。
邦迪同意让州首席财务官作为总监察长： Catherine Whittenburg,“Bondi Wants Probe on Firings，”Tampa Tribune, August 3,2001。
这是一种故意使当事人家庭保持沉默的策略：Zach Carter，“Deutsche Bank Sues Foreclosure Fraud Expert's Son with No Financial Interest in HerCase，”Huffington Post,May 13, 2011。
针对REMIC中的抵押贷款支持证券进行“积极审查”的消息：Scot Paltrow, "Exclusive: IRS Weighs Tax Penalties on Mortgage Securities,"Reuters, April 27, 2011。
伊夫在与美国财政部高级官员的会议上谈到REMIC时：Yves Smith, "IRS Likely to Expand Mortgage !ndustry Coverup by Whitewashing REMIC Violations，”Naked Capitalism, April 28, 2011。
“金融系统的后门救助”： Paltrow，“Exclusive: IRS Weighs Tax Penalties"。