GC report: far more than an end of year report card Bingo The Gambling Commission’s enforcement report makes for essential reading for industry lawyers and compliance officers at gambling operators alike, according to Barristers Philip Evans QC and Tom Orpin-Massey, the latter of whom (pictured) helped draft it.On 28 June the UK’s Gambling Commission published its first ever enforcement report.Entitled ‘Raising standards for consumers’, the document is both a review of the Commission’s regulatory and criminal enforcement work over the past financial year and also a working guidance document as to how operators might avoid getting themselves into trouble in the future.Launching the report, Neil McArthur, the Commission’s new CEO, said the Commission “wanted to find more opportunities to provide advice and guidance to operators… this report is one of the ways we’re seeking to do that”.In this article we outline what the report contains, and ask why the Commission has decided to publish an enforcement review now, and what that might mean for the regulatory landscape moving forward. In our view the report is far more than an end of year report card.Why now? The first question is why publish such a report, and why publish it now? In June 2017 the Commission revised its enforcement policy documentation, including its statement of principles for licensing and regulation, its licensing, compliance and enforcement policy statement, and its statement of principles for determining financial penalties.In addition, the Commission also published a brand new indicative sanctions guidance.The revision of the Commission’s enforcement suite brought in key changes. Central among these was that the presumption in favour of voluntary settlements was abolished. All enforcement tools are now on an equal footing.Credit for timely disclosure was formally introduced, making a sanction or outcome more lenient where an operator had been open, upfront and honest about problems where they had arisen.And finally, a working formula for determining financial penalties was outlined in the principles for determining financial penalties document. In that document, it was set out that the Commission would now have particular regard when determining financial penalties to “whether the breach arose in circumstances that were similar to previous cases the Commission has dealt with which resulted in the publication of lessons to be learned for the wider industry”.Operators are always expected to keep an eye on the Commission’s website and to read and digest public statements that are published following the taking of enforcement measures. Increasingly, in recent years these public statements have sought to address the industry more broadly by including key learning points, often in checklist form.Now it is clear that where mistakes are being repeated after public statements have been released by the Commission, any operator in breach can expect tougher treatment because they have failed to consider these wider lessons for industry.Ignorance no excuse This expectation is now set out clearly in the new enforcement review: “Licensees are on notice that a failure to adhere to the guidance in both this document and within our public decision notices may see us bringing enforcement action more swiftly and with greater penalty if we are of the view lessons are not being learned, or if the issue in question has been uncovered by us or another authority.”The enforcement review brings together and sets out the Commission’s key areas of regulatory concern in a single document. The review is divided by chapters, with each chapter representing a principal area of enforcement work. In short, it is what the Commission is most busy with on a day-to-day basis.There are the obvious themes that are familiar to the industry, such as anti-money laundering and self-exclusion, but there are also chapters on matters the Commission has been particularly concerned about in recent years, such as misleading or unfair marketing and advertising, and unfair terms and practices, which concern the Commission’s consumer-centric approach.Each chapter sets out the work the Commission has been involved in in that particular area over the course of the financial year. Where key guidance documents have been published they are referred to in the review.There is also reference to the key public statements following enforcement action that the Commission has published in that particular area over the course of the year. To that extent, the chapters read much like a “year that was”, and are useful to readers in industry in understanding what the major concerns are, what the latest guidance is, and what the most recent cases and settlements of note have been.Anonymous case studies have also been selected, and usually demonstrate the most serious examples of non-compliance the Commission has dealt with over the course of the year.However, as set out in the document’s introduction, it is also designed as a working guide to how operators may avoid falling into non-compliance. Each chapter ends with a “healthcheck”, a series of questions set out in bullet points, which, if considered and acted upon by operators, should help them avoid falling into difficulty.The healthcheck list is designed to be a useable, working list that compliance operators can be guided by, and also take forward to their managers if they feel that inadequate resources are being allocated to ensure proper adherence to them. Without exception, each checklist asks the question whether sufficient resources have been allocated to that area.We suggest that following these checklists, and building them into an operator’s written policies, procedures or general approach, will help to ensure that licensees do not fall into non-compliance, or in circumstances where they do, will act as significant mitigation as evidence that the operator was trying to do the right thing.Clearly, the Commission’s first enforcement review is another important landmark in the regulation of the gambling industry, and operators would be wise to give it close attention. Philip Evans QC and Tom Orpin-Massey are barristers at QEB Hollis Whiteman Chambers, London. Philip Evans is a silk with significant experience of licensing and regulatory matters connected to gambling. Tom Orpin-Massey spent seven months on secondment with the Gambling Commission in 2016 and continues to assist the Commission, including in the drafting of this new enforcement report.Related articles: UK Gambling Commission maps out new enforcement strategy UKGC financial penalties surpass £18m in 2017-18 UKGC sets out expanded plans to protect children 10th July 2018 | By Joanne Christie Barristers Philip Evans QC and Tom Orpin-Massey say the Gambling Commission’s first ever enforcement report marks an important landmark for the industry Tags: Card Rooms and Poker Mobile Online Gambling Topics: Casino & games Legal & compliance Sports betting Bingo Poker AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Regions: UK & Ireland Subscribe to the iGaming newsletter Email Address
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La diócesis de Nuevo Hampshire elige a Robert Hirschfeld como obispo coadjutor The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Rector and Chaplain Eugene, OR Submit a Press Release Rector Belleville, IL Rector Hopkinsville, KY Associate Rector Columbus, GA Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Director of Music Morristown, NJ An Evening with Aliya Cycon Playing the Oud Lancaster, PA (and streaming online) July 3 @ 7 p.m. ET Family Ministry Coordinator Baton Rouge, LA Associate Rector for Family Ministries Anchorage, AK In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 New Berrigan Book With Episcopal Roots Cascade Books Assistant/Associate Rector Morristown, NJ Submit a Job Listing Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Bishop Diocesan Springfield, IL Rector Shreveport, LA Episcopal Church releases new prayer book translations into Spanish and French, solicits feedback Episcopal Church Office of Public Affairs Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab The Rev. Robert Hirschfeld[Episcopal News Service] El Rdo. A. Robert Hirschfeld fue electo el 19 de mayo como obispo coadjutor de la diócesis episcopal de Nuevo Hampshire.Hirschfeld, de 51 años y rector de la iglesia episcopal de la Gracia [Grace Episcopal Church] en Amherst, Massachusetts (Diócesis de Massachusetts Occidental), fue electo en la primera votación de una lista de tres nominados.Él obtuvo 91 votos de 116 emitidos en el orden del laicado y 54 de 87 emitidos en el orden del clero. Para resultar electo se requerían 84 votos del laicado y 44 del clero.La elección se celebró en la iglesia de San Pablo [St Paul’s] en Concord.Debido a que la elección tuvo lugar tan cercana en el tiempo a la 77ª. reunión de la Convención General en julio, los cánones de la Iglesia Episcopal hacen posible (en el Canon III.11.3) que el consentimiento que se necesita de los obispos y diputados pueda solicitarse en la Convención.Suponiendo que se obtenga el consentimiento, la obispa primada Katharine Jefferts Schori deberá consagrar a Hirschfeld el 4 de agosto en el Centro para las Artes del Capitolio, en Concord.El 5 de enero de 2013, el obispo coadjutor será instalado como el 10º. Obispo diocesano [de Nuevo Hampshire] en la iglesia de San Pablo, cargo en el que sucederá al Rvdmo. V. Gene Robinson, que fue electo obispo en 2003 y quien se jubila.Antes de convertirse en rector de la iglesia de la Gracia, Hirschfeld fue vicecapellán en la capilla de San Marcos [St. Mark’s Chapel] en la Universidad de Connecticut en Storrs, y fue sacerdote auxiliar en la iglesia de Cristo [Christ Church] en New Haven. Pasó un año como ayudante pastoral en la Catedral de la Santa Trinidad [Cathedral of the Holy Trinity] en París, Francia. Miembro actual de la junta de capellanes examinadores, prestó servicios en el consejo diocesano y como deán regional en la Diócesis de Massachusetts Occidental.Él es graduado de la clase de 1983 de Dartmouth College, donde se recibió de licenciado en letras. En 1991, obtuvo una maestría en teología en la Escuela de Teología Berkeley de la Universidad de Yale en Connecticut. Nació en Minnesota y se mudó a Connecticut en la infancia.Hirschfeld está casado con Polly Ingraham, maestra y escritora, y tiene dos hijos y una hija. Le gusta pintar y realizar actividades al aire libre, tales como montar en bicicleta, remar, hacer senderismo y esquiar.“Me siento muy honrado de unirme a ustedes en la tarea santa de dar testimonio del poder perdonador de Cristo y de la esperanza de su resurrección en este tiempo y en este lugar”, dijo Hirschfeld en un mensaje a la convención que lo eligió. “Lo que he descubierto a lo largo de los últimos meses que llevo conociendo a esta diócesis es que no he sido llamado a ser obispo tanto como he sido llamado a ser vuestro obispo, el obispo de Nuevo Hampshire… Me siento inspirado por el pujante sentimiento de colegialidad que existe entre el clero y el pueblo de esta diócesis. Me siento inspirado por vuestro compromiso de llevar las Buenas Nuevas de la presencia y el poder de Dios a más jóvenes y jóvenes adultos en este estado. Y me siento inspirado por vuestro deseo de preparar al ministerio de todos los bautizados para la vida y la restauración del mundo.“Dios ha estado haciendo una obra buena y santa en Nuevo Hampshire, y me siento profundamente complacido de participar en ella con ustedes. Gracias por este increíble honor y por la confianza que han depositado en mí. Que Dios les bendiga, al obispo Gene, al pueblo y las parroquias de la diócesis de Nuevo Hampshire, en los días y semanas venideros y por siempre”.Los otros nominados fueron:La Rda. Penelope Maud Bridges, de 53 años y rectora de la iglesia episcopal de San Francisco de Asís [St. Francis Episcopal Church], Great Falls, Virginia (Diócesis de Virginia); yEl Rdo. William Warwick Rich, de 59 años y primer rector asociado para la formación cristiana de la iglesia de la Trinidad [Trinity Church], en Boston, Massachusetts (Diócesis de Massachusetts).Información acerca de todos los nominados puede obtenerse (en inglés) aquí.La Diócesis de Nuevo Hampshire cuenta con unos 15.000 episcopales que tienen el culto de adoración en 47 congregaciones.En inglés: http://bit.ly/JOhmuS Priest-in-Charge Lebanon, OH Featured Jobs & Calls Cathedral Dean Boise, ID Missioner for Disaster Resilience Sacramento, CA Rector (FT or PT) Indian River, MI De la redacción de ENSPosted May 22, 2012 Rector Tampa, FL Virtual Episcopal Latino Ministry Competency Course Online Course Aug. 9-13 Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Rector Collierville, TN Curate Diocese of Nebraska Rector Washington, DC AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Featured Events Canon for Family Ministry Jackson, MS Course Director Jerusalem, Israel The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Associate Priest for Pastoral Care New York, NY Director of Administration & Finance Atlanta, GA Curate (Associate & Priest-in-Charge) Traverse City, MI Rector Martinsville, VA Rector Knoxville, TN Rector Smithfield, NC Rector Bath, NC Submit an Event Listing Rector Pittsburgh, PA Priest Associate or Director of Adult Ministries Greenville, SC Youth Minister Lorton, VA Rector/Priest in Charge (PT) Lisbon, ME Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Rector Albany, NY This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Assistant/Associate Rector Washington, DC Press Release Service Assistant/Associate Priest Scottsdale, AZ
Zagal Loft / TangibleSave this projectSaveZagal Loft / Tangible Loft CopyAbout this officeTangibleOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingLoftOn FacebookColombiaPublished on April 19, 2020Cite: “Zagal Loft / Tangible” [Loft Zagal / Tangible] 19 Apr 2020. ArchDaily. Accessed 10 Jun 2021.
Tagged with: Events Management Recruitment / people AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Neville Shulman, Vice-President of children’s charity NCH, has set off to climb four mountains in Ecuador in his latest fundraising activity for the charity.It is always good to see charity trustees leading from the front when it comes to fundraising. NCH’s Neville Shulman will shortly be head and shoulders above his peers as he attempts a sponsored climb of mounts Pinchincha (15,729 feet), Iiiniza Norte (16,815 ft) Cotopaxi (19,348 ft) and Chimborazo (20,696 ft).Since 1990 Neville raised over £1 million for the charity from other expeditions to Mont Blanc, Mount Kilimanjaroand Mount Kenya, the Indonesian jungles, snow passes in Bhutan, and the South Pole. Advertisement NCH vice president to climb four peaks in Ecuador to raise funds 28 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 17 July 2004 | News As always Neville will pay allexpedition costs personally so that 100% of all donations will go directlyto NCH. About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
All out for #J20 Counter-Inaugural! The working class must unite!DON’T GIVE RACIST, FASCIST, UNION-HATING TRUMP “A CHANCE”The presidential election is over. Trump captured the Electoral College even though a majority of people in this country voted — if they voted at all — against Trump. The big business media immediately ran headlines blaming the struggling, so-called “white working class” for Trump’s victory. It is sadly true that millions of working-class whites embraced or accepted Trump’s hateful rhetoric attacking Black people, all people of color, immigrants, Muslims, women, people with disabilities, Jewish people and the LGBTQ community. Many workers and small businesspeople, including those who lost everything after the 2007-2008 recession, fell for his empty promises to fix the economy. But the polls acknowledge that the strongest base of support for Trump’s fascist campaign was white people making over $70,000 a year.There is only one multinational, global working class. Media “experts” don’t acknowledge that Black, Brown or Indigenous voters are also part of the working class. Workers who can’t vote, including prisoners, undocumented workers and those under 18 years of age are part of the working class. In fact, these are the most exploited and oppressed sectors of the working class.There is nothing in Trump’s program for any of us. Truly, not just some, but all workers and oppressed people are hurt, threatened, and divided by bigotry and scapegoating.Now, unfortunately, leaders of the AFL-CIO as well as the Auto Workers, Steelworkers and Building Trades unions have adopted the posture of “give Trump a chance.” This is a betrayal of our class interests.What does the working class need? Workers need jobs — a full employment agenda that includes a massive public works program and a shorter workweek with no cut in pay. A national health program that leaves no one choosing between paying costly premiums and going without insurance. A moratorium on evictions, foreclosures and utility shutoffs. Quality public education and free college tuition.Restore and expand the social safety net, which has seen heartless cuts in food stamps, welfare, unemployment benefits and more. End so-called trade agreements like NAFTA and the TPP that hurt workers worldwide — not just here. Stop union-busting by the bosses. Reverse the dozens of anti-union bills passed by state legislatures across the country, including Jim Crow “right-to-work” (for less!) laws. Labor laws should not be written by people like the Koch brothers and the DeVos family.Workers need money to rebuild the infrastructure of our cities, not for the prison-industrial complex, the military budget or wars against oppressed people around the world. We need reparations for our communities — from Detroit and Flint to Puerto Rico — suffering from racist austerity.Forcibly stop hate crimes against people of color, Muslims, women, the LGBTQ community and immigrants — crimes that have been on the rise since the Trump election — along with the hateful rhetoric that encourages them. Plug the school-to-prison pipeline. Stop short-term projects like DAPL that poison the waterways, create no permanent jobs and ultimately only help Big Oil and the banks.The epidemic of police murders of Black, Brown and Indigenous people must come to an end! Jail killer cops! Black lives matter!The appointment of fast food CEO Andrew Puzder is a declaration of war against Fight for $15. We need a $15 minimum wage and a union — not as a ceiling but a foundation to build upon. All workers deserve at least $15 and the right to organize and collectively bargain. This includes workers in the U.S. South, farm laborers, domestic workers, workers with disabilities, prisoners, vulnerable undocumented workers often subjected to wage theft, and superexploited precarious workers (often mislabeled self-employed).Workers and oppressed people are powerful! Our movement was growing even before the election. The number of strikes was up after years of decline. Verizon workers, Minnesota nurses and the Harvard dining hall workers were victorious. Prisoners struck on the anniversary of the Attica Rebellion. Rebellions have broken out in Ferguson, Baltimore, Milwaukee and Charlotte. The Black Lives Matter movement is showing the world what a fightback looks like. The DREAMers, Fight for 15 and Standing Rock are other inspiring examples. Mass youth-led protests erupted as soon as the presidential election results were known.All of the working class must unite. Organized labor, the first line of defense for the workers and oppressed, must see itself as part of the broader working-class movement. Low-wage and precarious workers are a part of this movement. Unemployed and underemployed workers are a part. Prisoners are a part. Workers around the globe — superexploited, often by the same bosses we work for — are a part. Migrant workers, risking their lives to escape war or austerity, are a part. All of us, together, are unstoppable!We must show Trump, all the politicians and the one-percenters they serve: We refuse to be divided!Build a united front and make January 20 a sea of working-class unity! J20Resist.org #J20Resist FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
San Francisco “Day Without Immigrants” Sept. 16On Sept. 16, more than 3,000 im/migrants and their supporters gathered in San Francisco’s Mission District to demand “Close the Camps” and “Free the Children.” It was organized by a coalition, predominantly in the Latinx community, as “A Day Without Immigrants.”The event began with a performance by Aztec dancers. Hundreds of students from local elementary and middle schools like Buena Vista/Horace Mann and Cesar Chavez joined the gathering and helped lead the chants. “Si Se Puede” resonated loudly.The march wound through the Mission District and stopped at City Hall where community activists spoke about the need to organize against the deportations and the attacks on migrants. Later, the coalition held a rally in front of the Immigration and Customs Enforcement office in downtown San Francisco. The coalition has future events planned to fight against attacks on migrants at the border. For more information check out their Facebook page at tinyurl.com/yzf6x8pd/.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
PhiladelphiaThe novel coronavirus has claimed an unlikely victim in the United States: the Sixth Amendment. The right to a “speedy trial” is in critical condition.Philadelphia’s county jail population has risen to 4,500 and is growing steadily. Half of those behind bars have “detainers,” meaning they aren’t eligible for bail, often due to prior convictions. Philly courts have a backlog that has surpassed 13,000 cases.Car caravan demands “free our people” on April 10, 2020 in Philadelphia. Credit: Joe PietteThousands of cases on that backlog are scheduled for a hearing in “Room 200” of Philly’s “criminal justice” building in Center City, a courtroom that does not exist. Room 200 is used as a technical work-around to “schedule” hearings that will not take place.By last December, there were already more than 800 cases of coronavirus in Philly jails. This COVID outbreak led courts to completely suspend all in-person hearings indefinitely.The city’s Defenders Association petitioned the Pennsylvania Supreme Court to address this crisis, arguing that “Because nearly all court hearings and trials have either stopped or slowed to a trickle, each petitioner, and hundreds of others like them, have been unable to contest the basis of their confinement.”Meanwhile, District Attorney Larry Krasner is seeking reelection this year. However, progressives who campaigned for him in 2017 have lambasted him for betraying campaign promises for criminal justice reform and for his relentless attempts to block justice for Mumia Abu-Jamal.At the same time, the right wing, including outgoing U.S. Attorney William McSwain and the Fraternal Order of Police, accuses Krasner of not prosecuting enough people nor pushing for harsh enough sentences.Now Krasner’s office regularly asks judges to set bail at $999,999. He’s demanded similar million-dollar bail amounts for half of all cases that come through his office, according to the Defender’s Association. It goes without saying that oppressed people targeted by the police in Philadelphia, the poorest big city in the U.S., cannot afford to post even 10% of that amount.It saves the district attorney’s office a great deal of resources not to be required to assign lawyers to jury trials to prove a defendant’s guilt. And with so few cases being scheduled during the pandemic, Krasner is presumably looking for ways to bolster his crime-fighting bona fides for his reelection campaign later this year. So after torturing workers in festering, virus-ridden jails for months and months on end, Krasner then offers them plea bargains — whether they’re innocent or not.‘They kind of broke me’So far in 2021, Krasner’s office has signed 350 pleas in just 30 days.Phil Ingram, 31, who has been held in jail since May 2020, was arrested for allegedly participating in “looting” during the George Floyd protests. Despite declaring his innocence, he’s now seriously considering taking a plea deal.“At this point, they kind of broke me,” he told reporters. “I just want to get out of here.” (Philadelphia Inquirer, Jan. 28)Kalief Browder was a child when he was arrested and held for two years in solitary confinement at Rikers Island, N.Y., without trial. Browder killed himself in 2015 at the age of 22, just two years after his release.Malik Neal, executive director of the Philadelphia Bail Fund, wrote: “Courts are supposed to set cash bail only to ensure that people return to court for their hearings. But in Philadelphia, the poorest big city in America, it’s often impossible for people to pay the 10% of their bail needed to secure their freedom. They risk losing their jobs, their housing, their custody of children and, with the pandemic, their lives.” (New York Times, Feb. 4)San Francisco District Attorney Chesa Boudin has gone farther than Krasner and likely has genuine reform as his goal, rather than careerism. Boudin is the son of long-term political prisoners; his mother served 22 years and his father remains in prison. But even Boudin’s bail-reform policy, wrote Colin Doyle, “reveals how tough-on-crime norms limit the contemporary vision of progressive prosecution. Boudin’s office will continue the practice of assessing risk to justify incarcerating legally innocent people for their future crimes. It has defended this approach with unproven appeals to public safety and predictive accuracy, that in a prior era of bail reform would have been seen as an intrusion on fundamental civil rights.” (The Appeal, Jan. 30, 2020)Especially after last summer’s uprisings for George Floyd, Breonna Taylor, Walter Wallace Jr. and all victims of white supremacy, the working class understands that this system cannot be reformed. Concessions are no longer enough. The workers, on both sides of the prison walls, demand abolition.Consider the thousands of workers who are currently incarcerated, not on the basis of guilt or innocence, but for political expediency. Shouldn’t these workers be considered political prisoners?Free all political prisoners!FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
American Cancer Society’s Round Up: A Cattle Baron’s BallAmerican Cancer Society’s Round Up: A Cattle Baron’s Ball has been scheduled from 6 p.m. to 11 p.m. Saturday at the Midland County Horseshoe Arena – Pavilion, Amphitheater, 2514 Arena Trail, Midland.The event will include country star performance, games, live and silent auctions and more all in benefit of the American Cancer Society.For tickets or more information, call 432-683-6375. OC employee of the year always learning WhatsApp Twitter WhatsApp American Cancer Society Pinterest Twitter Local News ACS sets ‘Round Up: A Cattle Baron’s Ball’ ECISD undergoing ‘equity audit’ Previous articleTEXAS VIEW: Fatal airline accident a reminder how fragile life isNext articleMCM to host open auditions admin RELATED ARTICLESMORE FROM AUTHOR 2021 SCHOOL HONORS: Permian High School Facebook Facebook By admin – April 19, 2018 Pinterest Home Local News ACS sets ‘Round Up: A Cattle Baron’s Ball’ Foolproof Roasted Pork TenderloinFruit Salad to Die ForTexas Fried ChickenPowered By 10 Sec Mama’s Deviled Eggs NextStay
Tagged with: Fannie Mae FHFA Foreclosure Prevention Report Freddie Mac Home Retention Actions Serious Delinquencies Governmental Measures Target Expanded Access to Affordable Housing 2 days ago GSE Serious Delinquency Rate is Lowest Since Start of Conservatorships Governmental Measures Target Expanded Access to Affordable Housing 2 days ago February 9, 2016 1,214 Views Previous: Judge to Bank of America: Hold Off Paying Investors in RMBS Settlement Next: DS News Webcast: Wednesday 2/10/2016 Home / Daily Dose / GSE Serious Delinquency Rate is Lowest Since Start of Conservatorships Subscribe The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Brian Honea Sign up for DS News Daily As a sign that mortgages backed by Fannie Mae and Freddie Mac are performing better is the consistent decline in the serious delinquency rate on residential loans insured by the GSEs, which is now at a level comparable to what it was in September 2008 at the start of the conservatorships.According to the Federal Housing Finance Agency (FHFA)’s November 2015 Foreclosure Report released Tuesday, 1.50 percent of mortgages backed by the GSEs were seriously delinquent as of the end of November 2015, which is the lowest level since the conservatorships began. The rate for both Fannie Mae- and Freddie Mac-backed loan has been steadily declining since 2010.“What we’re seeing is that fewer loans are going 90 days or more delinquent,” said Naa Awaa Tagoe, Sr. Associate Director, Division of Housing Mission & Goals at FHFA. “There are always a certain number of people who are one payment behind, or maybe two, but the number of loans that are three or more months delinquent is coming down. That is partly because of improvements in the economy in the last several years. Unemployment is going down and house prices are going up. House prices are actually a big one, because all other things equal, people will have life events, such as a divorce or a death in the family. When that happens and somebody has to sell their home, if they’re above water and they have equity in their home, they can just sell the house and move on. If they’re underwater, it becomes a problem and they can’t sell the house.”A decline in serious delinquencies for GSE-backed mortgage loans is concurrent with all the other declines in default-related metrics experienced by Fannie Mae and Freddie Mac in November. The GSEs completed 13,891 foreclosure prevention actions in November compared to 17,121 in October. Foreclosure prevention actions by the GSEs include loan modifications, repayment plans, forbearance plans, and charge-offs-in-lieu of foreclosure. The largest portion of those (8,569) were permanent loan modifications.Foreclosure prevention actions have been on the steady decline for the last four years, concurrent with the decline of foreclosure sales and foreclosure inventory. The totals of foreclosure prevention actions on GSE-backed mortgage loans for the last four years are as follows: 541,219 in 2012; 447,728 in 2013; 307,218 in 2014; and 215,309 in 2015 through the end of November. This number includes home forfeiture actions, such as deeds-in-lieu of foreclosure and short sales as well as home retention actions.“Fannie and Freddie over the last few years have really made more efficient their foreclosure prevention actions and the options provided to the borrower,” Tagoe said. “One of the main lessons they learned from the crisis is that early intervention is key. The earlier they can get to that borrower and offer them a solution, the more likely it is that the borrower will become current. Fannie and Freddie released a streamlined loan modification a couple of years ago. What that does is as soon as a borrower goes 90 days delinquent, they are solicited by their servicer, and their servicer sends them the terms of a loan modification. All they have to do is send in that first payment and they’re in a trial loan mod. When they make three payments, that’s converted to a permanent loan modification. So once loans become 90 days delinquent, you’re not seeing as many loans transitioning to later stages of delinquency.”Another factor in the decline in serious delinquencies has been improved credit quality of the loans acquired by the GSEs since 2009 combined with a decline in the amount of serious delinquencies in the legacy portfolio, which consists of loans acquired before 2009, Tagoe said. The time it takes a loan to go into delinquency is also a factor—loans typically do not become delinquent until at least three years into the life of the loan.As of the end of 2015, the GSEs are only 10,000 and change away from completing three million home retention actions since the star of 2009; the exact total of home retention actions completed is 2,989,126; the number of foreclosure prevention actions since 2009, including home forfeiture actions, was 3,626,692 as of the end of November 2015.Click here to view the FHFA’s November 2015 Foreclosure Prevention Report. Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. 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