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Is anybody going to stand-up against this?
Fingerprints for a home loan? Surely, the American people have gone to sleep and let tyranny into our house.
How will this curb the lax lending standards which got us into this mess? The problem isn't who took the loan, it was whether they ever should have.
How is THIS "abuse" tied to Bush? It was an amendment hammered out by committee Chairman Chris Dodd, D-Conn, and Ranking Member Richard Shelby, R-Ala.
Went I was growing up in school and took civics class I was taught that the executive and legislative branches of government were independent from each other...has that changed?
GWB is only the latest in a long line of men and women in DC who've taken great pleasure in pissing on the Constitution. Wake up.
These are Democrats passing these bills! They're the ones controlling congress. Wait til Obama gets in there, you ain't seen nothin yet!!!!!
This has nothing to do with "Bush"; it passed the Senate Banking Committee by a vote of 19-2. Anyone who misses that should read it again.
Similarly, this story has nothing to do with homeland security, any of Chertoff's comments, or the so-called "Server in the Sky" program..
Looks like Drudge got it wrong, too. Currently running under the very misleading headline of "CONGRESS WANTS YOUR PAWS: Fingerprint Registry in Housing Bill..." (with the implication being that fingerprints are now required to get housing; e.g., see the above comment from someone who is apparently reading-impaired "Fingerprints for a home loan? Surely, the American people have gone to sleep and let tyranny into our house.")
We shoudl ALL be sick of our gov's illegal legislations!
Lobbied by the elites, no doubt, for the elites.
The military give an oathe to defend the US Constitution. Is there any other reason that Ron Paul got more political support & contributions from the military than ALL other candidates combined?
Anyway, the reality is...we don't need people control, we need congress control.
My only caveat: professional licenses are a State matter, and the US Congress should butt out and not FORCE States to enact legislation on conditional of access to Federal Highway Money.
seems logical to me the FEDS are trying to stop the huge amount of mortgage fraud that went on during the housing boom with another stupid idea. I wouldn't submit, they better fight this one.
The mortgage problem is set to cost us trillions of dollars because greedy homebuyers, who thought they were getting something for nothing by buying more house than they could afford, met up with greedy lenders who maximized their commissions by putting them in a mortgage that they knew would some day blow up into a giant mess. This establishes accountablity.
This is not the Bush Administration
You are stuoid and can't comprehend what you read. the DEMOCRAPS are doing this. But to you yahoo's Everything is Bush's fault. OH NO KITTY DIED MOM. W DID IT SON. GET A GRIP
Just another case of someone blaming bush just becuase they can. Dont you know who runs congress and the senate now? Sure isn't the republicans
Yep. They are now formally merged, and have placed themselves above theeople and theonstitution.
Big Business and Big government has played us like a flute for 16 years. were learning the Clinton years was just a Island that wasn't even there.
These people "might" do something illegal so we have to know everything about them. This is the government liberals provide.
I live in Illinois where government if fighting daily to take away our guns and they currently charge us .91 cents a gallon of gas. Lay off big oil and clean your own house.
I live in Illinois where government if fighting daily to take away our guns and they currently charge us .91 cents a gallon of gas. Lay off big oil and clean your own house.
Drill Donkeys!!! The planet has cooled the last 10 years
Regardless of the Republicrats or Demopublicans, this Congress, Justice System, and White House has continually eroded the rights of the American citizens since the days of FDR. Wake up people. It's the bankers that run the country and not the politicians. The politicians are nothing more than the puppets to the bankers.
Have the heart of Toto and pull back the curtain to expose the wizard.
If the Democrats win the White House (Obama) we are all going to be in trouble. Talk about individual rights, your Golden Child Obama has already tried telling the citizens what we can keep our thermostats on, what we can drive, what we can eat, what we can talk about, etc. He is just this side of a communist and is left of the worse President in history, Jimmy Carter.
He hangs around known terrorists (William Ayers), racists ministers (Jeremiah Wright) and known criminals (Razko). Yes if the Democrats win, the insanity will not end it will only be beginning.
We are born with 2 hands, and those 2 hands are connected to the same brain. It is the same situation with the 2-party system. And yes, I am a registered republican.
Don't you see that no matter who has the majority, no matter who is in office, you are still getting the same problem--- erosion of our civil liberties and a further devaluation of the dollar?
Stand up and complain! Write letters! Run for office yourself! All of the elected officials are our public servants, not our gods. They answer to US-- WE THE PEOPLE.
This will slowly become a database for mom-and-pop, and you and me. Just wait and see.
The democrats are in control of both houses of congress. Congress passes legislation, NOT the administration!
Stupid people are the ONLY problem this country has, and by posting ignorant statements you are proving to be part of the problem.
... and BTW, I thought SS numbers were "unique and individual" identifiers for us all... Oh, that's right, since we let all the Mexican illegals use other peoples numbers - so they are no longer unique OR individual.
Back to our "problem"... please get an education before you post... Thanks!
About the fingerprints...maybe that belongs in the bill and maybe it doesn't, but since when are fingerprints "considered to be among the most personal of information"? I leave mine all over the place. Should I be wearing gloves?
America, fast and pray for mercy from God. This is but one small issue of your overall spiritual problem.
Now if you want to get more angry, Washington D.C. at most levels have been aware of this solution since one month after the towers went down and have yet to seriously look at it.
If we are going to do anything we better do it quick. It's almost too late!
This is just a case of a dog acting like a dog. This should not come as a surprise to anyone. Governments are what Governments do..............
That said, if there's a better way that wouldn't require a video of the past 20 years of someone's life... lets suggest it. What is a better idea, that is perceived as much less invasive into our privacy - yet protects us from scammers etc?
Two-edged sword, but if we were a bit more proactive in offering better solutions, ones that we don't like might not get thrust upon us.
Just a thought.
Cheers.
BTW, you can't blame Bush on this, since he did veto this bill before it was over ridden by the Dem controlled congress...
While everyone is seething at Bush the Dems are the ones that are REALLY chipping away at our freedoms!
Obama Mama wants to tell us what we can eat and how warm or cold we can keep our houses....
For professional reasons, my DNA and fingerprints are on file in a lot of places. I have no issue with this because I knew that's what I was getting into when I took my job.
This sounds like paranoia, but there are many tools for keeping tabs on and tracking people's locations and spending habits. (Credit Card technology is the worst.) I am a very private-minded person. If it were possible, no organization would even know I exist.
I don't trust anyone with this sort of information and this is one more example of how invasive the government and corporate america as a whole is becoming through freedom management.
An I also lean a little towards the right, but we need to really start shuffling the deck with every election. These politicians are way to comfortable in their jobs. Vote 'em all out.
To work as a police officer, stripper, taxi driver, or school teacher you must submit a 10 print card.
So what is the big deal in asking anyone in the finance, loan or real estate professions to do it?
Finger prints are not personal info.
If the Goverment wanted they could take your photo and do a biometric analysis and get another type of unique identifier. The photo could be taken any where,even as you were walking down the street.
This is just another reason we need a national identification card.
The fact is, personal data that is collected, computerized and centralized, is a vital adjunct to the modern economy and every other aspect of 21st century life.
And without a centralized record system identifying everyone in this country, the physical security of this country from terrorism could never be either assured at any reasonable level, or even attempted.
If it is privacy you are all so concerned about, be assured that when you croak and are planted in your box in some cemetery in an urn on somebody's bookshelf, you will have all the privacy you crave, and more so, forever. Until they build a housing development on your graveyard or toss out the urn. All of which they will do one day.
Until then, bitch your hearts out or try your luck in Canada or New Zealand.
Life is tough, and will get tougher as the resources deplete everywhere amd as all the rules tighten up. So get real.
Arnold Harris
Mount Horeb WI
As for those of you who try to blame the republicans or democrats, you need to wake up. Both parties are doing this to the American people. The bill that this article mentions is a democratic House bill and Homeland Security is pure republican led. This mind set of total control does not follow a particular party.....it is an egotistical philosophy that comes with power. And that power runs all branches of government regardless of political affiliation.
Those of you who wish to continue pointing your fingers at each other while the barbarians storm the gate, then go ahead and continue to do so. You have already lost, you just don't know it.
The Constitution of the USA or the 10 Planks of the Communist Manifesto?
As several other wise individuals have pointed out: IT'S THE DEMOCRATS AND THE REPUBLICANS! They're two sides to the same piece of you-know-what.
I consider myself a Republican. I have been my entire life. These morons in Congress, and the chief moron in the White House, don't qualify to be called "Republican." Just give it up already. Stop defending people who only call themselves "Republican" so they can win re-election.
And you Democrats: How on earth can you think the government wanting a fingerprint registry for certain business professions is a "good thing?" This makes the assumption that everyone in that profession is by default a potential criminal. As such, it doesn't require much of a mental leap to see where laws like this lead. Aren't you supposed to care about civil liberties?
More to the point... aren't BOTH parties supposed to care about civil liberties? You know, THE STUFF IN THE CONSTITUTION?!?
What's becoming increasingly clear is that both parties care about exactly one thing: power. They want to use whatever power they can amass to impose their beliefs on the rest of us. They don't care how big and intrusive the government gets, so long as they're the ones pulling the strings.
And it's the same ON BOTH SIDES, people. Stop deluding yourselves into thinking one side is "less bad" than the other. I say throw 'em all out, and vote in people who care about LIBERTY. Right now, neither party fits the bill.
The government has taken control of the people it was suppose to represent long ago.
You don't want to be fingerprinted don't be a loan originator.
This is perfectly reasonable and only lib moonbats are howling about it.
This is the kind of thinking that allows fascism to come to power. You sir are a sheep.
Kiss my white ass!
That being said, there is no reason to believe that finger printing mortgage company employees will prevent a financial crime, or the duping of the lazy, the careless or the greedy who do not look before they leap.
Most people who have now found themselves in trouble with their mortgage, made several serious mistakes.
1. purchased too much house for their income.
2. did not perform "due dilligence".
3. did not attempt to "self educate" prior to entering into contract.
A free society must remember that freedom to do what you want also includes the freedom to do stupid or uneducated things and freedom to suffer the consequences of your actions. For good or ill.
Did you ever work over at First Family Bank in Eustis???
It is also reasonable in my opinion that criminals should be barred from accessing the taxpayer money that will be used to bailout those who should not be bailed out. They are not required to give their fingerprints, they just cannot participate in that profession if they do not. Civil liberties cannot be used to screen nefarious characters from accessing critical professions, government services or government funding.
We require fingerprints of applicants to the law enforcement positions, critical National Security occupations etc. Their is no requirement to furnish these, you have the option of selecting another profession or not seeking to participating in that particular benefit that the Government is funding if you believe that this is something that you should not have to do.
All you Bush haters should really up your dose of meds. He did not have anything to do with this provision, it was all the doing of the Democrat leadership in the House and Senate.
The blind, lead by the deaf, dumb and stupid, are headed for the dust bin of history if we don't wake up.
The more a large percentage of our people want something for doing nothing, the closer we are all getting to the cliff.
I've watched this real estate loan mess develop for over 5 or 6 years. There is no sanity or common sense at any level. Not the government, not the developers, not the lenders and builders, and not we the people.
As much as I hate to admit it, our civilization is headed the way of the Roman empire. Greed, complacency, lack of integrity ........ you name it.......... go look at the history books. We are in the process of repeating that which those who are literate and somewhat educated deplore ...
DARWIN WAS RIGHT, AND OUR EVOLUTIONARY PATH IS HEADED DOWN A BLIND ALLEY.
IF YOU DON'T BECOME PART OF THE SOLUTION, YOU ARE THE MAIN PART OF THE PROBLEM.
Back to the issue. I've had military security clearances, criminal background checks, and several sets of fingerprints taken. That being said, I am opposed to its becoming a general requirement in our society!
It's not an R vs. D debate, both sides are corrupt. When are we going to police the government?!?!
What you and many others ( including Dems & Reps) forget, is that the Federal Govt is not empowered by the Constitution to require prints from general citizens. the Constitution explicitly states that the Fed Govt was empowered with the the authority or rights that are "EXPRESSLY" enumerated in the Constitution itself. Anything not expressly numerated to the Fed Govt was reserved to the States govt.'s and / or the people.
Our elected officials have no respect for us or our constitution. They certainly don't hold themselves accountable to anyone or thing. To think, we pay them for this.
I'm really fed up, but it is too late. We have been asleep too long. Our children will suffer.
This is your US Congress that is passing these bills. Lets not forget which party is in charge here. Which party has the chairmanship on these committees, and which party seems to want to give every thing to the lower income bracket with out having to work for it. STOP BLAMING BUSH
Posted by: POed - 05/23/2008
This is not the Bush Administration
You are stuoid and can’t comprehend what you read. the DEMOCRAPS are doing this. But to you yahoo’s Everything is Bush’s fault. OH NO KITTY DIED MOM. W DID IT SON. GET A GRIP
Dan, turn your finger around and point at stuoid or, after spell check, stupid. The original post stated that this legislation was produced by congress, the same congress that produced the current crop of US Presidential Candidates, not the Bush administration.
In fact, to clean up the mortgage business now and for the future, ALL originators should be licenced. This will clean out the bad apples and make it more difficult for those individuals to move to another company to continue their ways.
Nice of ya'll to start paying attention all the sudden.
Really? Then I suppose applicants can submit any fingerprints they so choose at random rather than their own "personal" fingerprints.
The arrogance of the people who are entrusted to protect our interests is plain appalling. Reform is what smart elites engage in to maintain their hegemony. The crop of elites now in power are so solipsistic and corrupt that they don't feel they have to pay us any mind at all. Vive revolution!
http://www.nolanchart.com/article3694.html
You are absolutely correct! I would never want to be accused of being a lawyer.
We have not been attacked since 9-11-01, and that is Bush's and our military's, and the Home Land Security's doing. However, you Democrats will never recognize something as trivial as keeping this nation from being once again attacked... as an accomplishment of the Bush administration.
You need to read something other than the script of the DNC!
The American revolution was one against taxation without representation. We vote for the people who make the laws. So you have a choice. If you don't like it move. Good luck in trying to find a country that does not want to protect itself.
I best conclude my little diatribe as I could REALLY carry on, I wish to leave all with a thought to ponder; a man once wrote this and I see it as true today as when he wrote it.
"Any people that give away their civil liberties in the name of security, deserve neither their security nor civil liberties." Benjamin Franklin 1759
The irrational fear of terrorism that has paralyzed this country for the last seven years and allowed government to chip away our rights took place under Bush's watch. Does anyone want to argue that he did not allow our government to mushroom during his tenure?
While this is obviously a piece of legislature, the largest abuses of our era were done by the Justice Dept and the FBI/CIA/NSA... all under Bush's direct control.
The American Revolution was about alot of things, not just taxation issues. For a good primer on the causes of the American Revolution try reading the Declaration of Independance. You'd be surprised at how little attention is paid towards taxation.
I'm asking my representative to push to have this expanded to every citizen.
The declaration of independence was a list of grievances against a government that did not govern with the consent of the people. Our government governs with the consent of the people.
For those that say they submitted their fingerprints to "the government", most of them actually are in their state's fingerprint database. Now the U.S. government wants another database. There are so many unsecure databases out there. If some govt agency needs to run a background check on you and searches the wrong "criminal" database (most of the databases are for criminals), you now come up as a positive!
This was done by the House, which is controlled by DEMOCRATS. BUSH HAD NOTHING TO DO WITH IT.
YOU DEMOCRATS NEED TO UP YOUR MEDS
It has been this way for years.
Of course It should be voluntary. It would also be used for the speedy and short lines, airlines and of course secure facilities. Also, dont be nieve as to think for $50 we cant get most of your information off public records anyway..
Get real
He was prescient.
Madison is not the president today. This is today. Today requires laws that protect people from criminals. The biggest criminal is the one you do not know. What's freedom if you have no security and your property and life are taken away by a criminal?
I've only noted one post that has blamed Bush. Why do you keep on posting the same thing.
Hell, I would take credit for this and I hoe Bush passes it. In addition, it should be expanded to include all citizens.
We need a law that they must ALL be fingerprinted!
Looks like someone will eventually need a mark, name or number of this "beast" to buy & sell. Well well well! Could it be true? This is most likely the precursor to the end-time worldwide ID system prophesied in the Bible. -not a good thing to have if you're on the unbelieving side of things. The believers? -secure.
printing/backgound investigation etc.
since 2002 as part of the requirement
for licensing as a loan officer employed
by a licensed mortgage broker. This state
does not, however, require any of the above
for loan officers employed by any banks, (and/or
their retail installations), savings and loans,
thrifts, consumer finance cos. or credit unions etc.
This proposed ruling just came out of "committee"
and has yet to pass so what should be even more
entertaining to all of you is how fast and with
how big of a boat-load of lobby dollars will big
bank put the skids on this.
Try to imagine the cost to establish, secure
and maintain such a database for "every" mortgage
loan officer. Can you imagine big bank asking their employees to pay for this OR will this be just one
more expense passed onto their consumers?
It will be interesting to see how this plays out.
As consumers, some of you might not care who does
and who doesn't have to participate. You should
care. Settled suits by Ameriquest and Household
Finance were a result of wrongdoings by "retail"
loan officers and for more interesting reading,
check out the article today to find out why
HUD is fining National City Bank.
So now we have a new federal agency with no doubt all kinds of fees that will be required to support it and our cost of financing will now increase as a result.
Thanks Senator Dodd
Already there are zillions of occupations and professions in which in order to engage, one must provide fingerprints. The policy and purpose are to have some way to weed out criminals from entering licensed professions where preying on clients and customers is particularly easy and/or dangerous -- such as financial advisers, brokers, insurance, CPAs, lawyers, on and on.
The point is most of these are generally regulated by states, not by the federal government. That is why this is an issue that should be addressed in terms of national security, federal regulation (like securities and banking), or some other demonstrated federal need. That need is lacking.
Yes.
Fingerprint the loan officers (the bloody crooks). And,
Give all illegal wetbacks free citizenship.
The fun has only started. Wait till you see what Obama has planned for you!!!
And to you Bush-obsessed people...This is NOT Bush. Its your democrat reps!!! AMAZING...truely amazing!
Let's get their Anus Prints. Something that is really unique about these Butt Heads.
Posted by: HD4lyf - 05/23/2008
ITS TIME TO FLUSH DC!!! Toss every stinkin one of them!!! They will never under any conditions get my finger prints unless I am arrested. hey all must go NOW!
And to you Bush-obsessed people…This is NOT Bush. Its your democrat reps!!! AMAZING…truely amazing!
------------
Not going to happen because there's no real problem. There doing what they should do. And they'll win the next election. So get over it. This is what needs to be done to protect people from criminals and insane libertarians.
Posted by: M Lee - 05/23/2008
The Bible foretells of the Anti-Christ in Revelation 13:16-18 And he causeth all, both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads: And that no man might buy or sell, save he that had the mark, or the name of the beast, or the number of his name. Here is wisdom. Let him that hath understanding count the number of the beast: for it is the number of a man; and his number is Six hundred threescore and six.
Looks like someone will eventually need a mark, name or number of this “beast” to buy & sell. Well well well! Could it be true? This is most likely the precursor to the end-time worldwide ID system prophesied in the Bible. -not a good thing to have if you’re on the unbelieving side of things. The believers? -secure.
------------------
Revelations is in reference to Rome and the current events of the day. You sound like a wacko.
Lenders, Fannie Mae, Freddie Mac, SEC, Lobbyist, Mortgage Brokers, Consumers and the Government. Mortgage Brokers sold to the public programs that were put together and funded by Lenders. Fannie Mae, Freddie Mac and the SEC. Mortgage Brokers DO NOT APPROVE OR UNDERWRITE borrowers. Mortgage Brokers DO NOT FUND these loans. Mortgage Brokers DO NOT CREATE PROGRAM GUIDELINES. Mortgage Brokers are information gathers. Lenders, Fannie Mae, Freddie Mac, and the SEC create, validate, underwrite and fund the mortgage programs Mortgage Brokers use.
As long as the economy was moving forward with new housing starts and real estate values were going up, the Government could not see beyond the Lobbyist and special interest groups saying” how wonderful all these special mortgage programs are, and how they are allowing more people the opportunity to homeownership”. I’m sure no one in Government was told a PICK A PAYMENT mortgage had a higher underlying rate and negative amortization. Or a 2/28 was fixed for 2 years with a 2 year pre payment penalty at a much higher rate of interest and would go up 3% in month 25 and some of these programs had a 3-5 year pre payment penalty of usually 6 months interest. If the persons in charge of looking out for the consumer’s best interest are not knowledgeable of the terms of the program what good are they doing?
But the government has NO BUSINESS in the mortgage business other than from time to time monitoring to keep everyone honest starting with the companies that create and fund these programs. The government, just like the low credit score borrower feels next year things will be better. So Trillions of dollars in debt later they want to give advice and point fingers? Sit down and process a borrower’s file (life’s lessons). Learn where the changes need to be made. Don’t go by lobbyist and special interest groups. Sit down with honest Mortgage Brokers we do exist.
Where is the help needed? Start them young and in the schools! Start making students balance a budget. Maybe they will then help their parents and the Government get out of this mess THEY created by living outside of their means and demanding homeownership not earning it. Maybe there children will be able to buy a home and run a country on a budget.
If a Mortgage Broker is a low life swindler put them in Government Housing (jail) for a long time. The same goes for all aspects of business even the Government.
Solution #1
FHA needs to be offered by all Mortgage Brokers. But that would mean changes NOW. FHA has guidelines for broker approval that are just stupid. Yellow Book Audits STOP IT ($5000.00 and up). Putting a Mortgage Broker on neighborhood watch? If the buyer is approved eligible in the automated underwriting system and NO FRAUD was involved the Mortgage Broker again the information gather gets the blame and it goes on their record for 24 moths even if it was not a foreclosure but just a missed payment or mitigation. This situation could have been from lost job, failed marriage, and death, credit scores lowered causing charge card interest rates to sore and payments to double or triple insurance to go up or the biggest threat PROPERTY TAXES DOUBLE OR TRIPPLE.
Foot Notes:
I would like to see a break down on foreclosures. Using a pie graft what percentage was cased by Mortgage Broker Fraud. What percentage was new built homes and what percent was existing homes.
Another pie showing out of these foreclosures how many builders had there own mortgage companies. How many real estate companies had there own mortgage companies or how many were preferred lenders of the builders (with guaranteed buy outs of existing homes) and preferred lenders of the real estate company. Preferred meaning advertising fees paid or rental space paid to the builder or Real Estate Company by the preferred lenders. What percentage was because of taxes going up and negative escrows applied to the payment made a hardship on the consumer.
Mortgage Brokers have been accused of creating this credit mess and the Lenders are the GOOD GUYS because the government would NEVER bail out the BAD GUYS the Government would never reward BAD BEHIVOR RIGHT?
Lobbyist I am sure are hard at work convincing Government Official that they just got blind sided by FRAUD on the Mortgage Brokers part. They will make sure it will never happen again. So our clients the Lenders, Fannie Mae, Freddie Mac, SEC etc…of the world. Will do what ever it takes to show those greedy Mortgage Brokers we mean business. Even if it means throwing them (mortgage Brokers) under the bus. We all know this was not just one group’s effort and definitely not the group that is being crucified the Mortgage Brokers. I would love for the Lenders and Servicer’s to have to tell the consumer in writing that every interest rate has a built in servicing fee of .50 and then lets see if their competition can name that tune in .375 or .25. The Government would not have to lower prime to see rates come down.
Solution #2
But let’s get to the BIGGER PROBLEM “CHARGE CARD COMPANYS’
STOP allowing them to have a tease rate of ZERO then when the consumer goes one day late or over their approved limit the new rate of 30% plus fee apply. The rate should be the rate from start to finish. If the credit grantor needs to take action it should be in the form of closing the line of credit to the consumer only.
Foot Notes:
If buyer’s charges get out of control tell them to file a chapter 13 BK or a 7 and reaffirm on the mortgage to stop or lessen the pain of the excessive fees and interest rates. When a $100.00 min. payment to a charge card company has only $20.00 going to the principle and $80.00 going to the interest and oh and by the way the consumer had to make $130.00 to pay the $100.00 payment to the charge card company as Uncle Sam (another story another day) wants his cut. So lets see $80.00 in interest $30.00 to Uncle Sam equals $110.00 to pay $20.00 on the principal. It is that easy. Start talking about how smart it is to our children to NOT charge and SAVE money and live within your means. Then parents and Government leads by example. (I love the create your own monster credit card commercial that is currently running on TV)
Government stay out of this. Hold Lenders and consumers accountable for their own mess ups. Tell consumers to boycott Lenders and Charge companies that charge excessive interest rates and fees. Put the Billions your thinking about on bailing out the poor dumb consumer (that is what you are saying) into Social Security. Or down the road there will be trillions in bail out needed for the elderly.
Solution #3
Make the repositories have a common input system. All three repositories code every credit line different for security reasons in the event the report would get in the wrong hands. While this is a good thing it also is the reason one account could show up several times on the same report. In some cases it could be very detrimental to the consumers credit score.
Foot Notes:
Now let me start on CREDIT SCORES and repositories. When will they be held accountable for keeping BAD OLD credit on a buyers report? Talk about a class action just waiting to happen!!! Well sign me up!! Repositories leave balances from old bankruptcies and paid collections and judgments on people’s credit report for YEARS. Lawyers for the most part only file the bankruptcy and they are done! How about sending out to the three repositories they would be Trans Union, Equifax Fax and Experian a copy of the list of creditors along with a copy of the discharge. WOW what a thought lets see that would take about an extra $25.00 so you could probably charge another $200.00 to your client (When do they have to give a complete break down of how they make their money ). Government when the consumer pays off a tax lien send it out to the same three repositories you know you can add as much of a fee you want to in addition to horrible penalties and interest (time to fess up to your % collected). Consumers do not understand the difference between credit bureaus and repositories.
Credit scores are causing people to get higher interest rates on homes, cars (do consumers know auto dealers get monthly fees from consumer’s auto loans?), charge cards, insurance and sometime turned down for employment. Do they really know this?
HOW MUCH MONEY PER DEAL
I’m not sure what constitutional right has been broken with this knee jerk reaction. But if Mortgage Brokers have to divulge every penny we receive for every loan we close FYI MAX is 5% example $30,000 mortgage the Mortgage Broker gets $1,500. We do not net $1,500 as we to have over head, get fingerprinted pay fees to generate additional income to the Government take special ed classes each year (that is what it is like) and made out to be harden criminals, so should all business in every field including the Government. One class of business professionals should not be held to levels that our own Government is not held to.
I have been in the mortgage business for 24 years. I have closed maybe 10 sub prime (2/28, NO PICK A PAYMENT 1% rate NOT!! Still being offered as we speak) loans and told the buyer I would rather be stuck in the eye with a stick then to put them on this mortgage. But to the consumer the glass is half full and Thank God for that. Yes we need change in the mortgage industry but NOT in the way that is currently being used.
If the government gets involved: Just because you hire someone with a degree in financing but no long term mortgage back ground they DO NOT KNOW the mortgage business. Bring together a forum of Lenders, underwriters, servicer's and most of all Mortgage Brokers. Put it to this group to come up with the changes needed in our industry. Most Mortgage Brokers are honest and hard working. Just as most of our Government officials.
That would ber a good start.
Live free or die.
Alan
Do you like the advent of all of these government-run
security measures (fingerprint, DNA databases)?
If not, don't forget that some of your work efforts are
what is making this possible.
Thank you, Moore's law. Anybody get it?
First of All, the fingerprints SHOULD be imprinted on a persons SOCIAL-SECURITY card, bot digitally and physically, Maintained at the DHS. this is the only way to Track down Fugitives, Illegals, etc.. Why is everyone so scared? Have you something illegal to hide?? "
Fugitives and illegals, by definition, do not have social security cards. So how do we track them down based on your flawed logic? Fugitives in particular are quite adept and stealing the identities of law-abiding citizens and deceased individuals.
The government and FEMA will protect you from the next disaster, don't worry. They did a fine job of that during Hurricane Katrina. What's a week? Plus, you don't have anything to hide. Just hop onto the cattle car and go to the stadium. The armed guards and high fencing are there to protect you. They sealed off the highways so they could keep you safe & secure. Plus, you get to watch the ball game at the stadium!
Wake up.
Just because it's already being done, doesn't make it right. It's just as wrong in those instances, too.
The people who pass these bills are hoping on that sort of faulty logic to extend it to other areas as well.
Look at the creation of the SSN. There was a huge uproar over it, and people were assured it was nothing more than a number given to workers so they could pay into the SS system. Suddenly, everyone wants it, even the phone company to do a credit check when you get a cell phone, turn on gas.
Your driver's license is meant to be just that, a license to operate a motor vehicle, now everyone in the world thinks they need access to it or a copy of it.
How many times do you check out at a store and willingly rattle off your phone number? Do you ever stop to think about where all this information is going?
The UK is going to start tracking everyone's emails and cell phone calls in the name of battling terrorism. Take a look at what Great Britain is doing, and the U.S. implements it later, it started with the surveillance cameras.
Rember:
Experience should teach us to be most on guard to protect liberty when the government’s purposes are beneficent…the greatest dangers to liberty lurk
in the insidious encroachment by men of zeal, well-meaning but without understanding.
-U.S. Supreme Court Justice Louis Brandeis
And as John Adams said:
Remember, democracy never lasts long. It soon wastes, exhausts and murders itself. There never was a democracy yet that did not commit suicide.
- John Adams
Yes, according to Dick Cheney it has changed.
Posted by: HD4lyf - 05/23/2008
Yeah good idea ray, you libs just keep giving your freedom to the gov’t, blame the republicans, and then bitch about then drive around with a bumper sticker saying something like,”Its OK. I wasn’t using my civil rights anyway”. Why in the name of all that is holy do you think its the gov’ts responsibility to PROTECT you?! They are to protect our BORDERS(which they dont) and protect us from our enemies. It not their business to watch over your personal life. You probably also believe the gov’t should bail out all these IDIOTS that went out and got the “No down pmnt loans” huh? Where did personal accountability go? Oh thats right. It went out the damn window when we let the 60’s generation take over gov’t and education.
--------------------
1. I believe there's a need for greater respect for the government. 2.I do believe our borders should be secure. 3. I don't know about the 60's because I was born in the 70's.
I work for the government through the military. I've deployed three times and it was an honor to serve a great country that has a concern for the citizens. I do believe it is the governments duty to protect its citizens, and it is the duty of citizens to protect the nation. That's why as a citizen I choose to help.
It has in it, WHEN THE GOVERNMENT STOPS WORKING FOR THE PEOPLE, THEN IT IS THE RIGHT OF THE PEOPLE TO ALTER OR ABOLISH IT. Right now I would say that it's not only a "right" but a duty to act! WHERE DO I SIGN UP?
It doesn't do any good to post personal attacks either, but then you'll always have haters out there.
Regardless of who proposed, pushed and passed policy like this, it needs to stop. There is absolutely no reason to have general citizens' fingerprints on file, nor a huge collection of other identifying information for no reason other than to have it "just in case". Freedom vs. "National Security" (Supervision?) has a very thin line that this country over which this country has crossed many times of late to the latter side.
This coming from a military guy that knows his life will be public record and scrutinized until the end of time (my time, anyway).
It has in it, WHEN THE GOVERNMENT STOPS WORKING FOR THE PEOPLE, THEN IT IS THE RIGHT OF THE PEOPLE TO ALTER OR ABOLISH IT. Right now I would say that it’s not only a “right” but a duty to act! WHERE DO I SIGN UP?
------------------
Yep, you can vote. But if you want to take up arms against the government, I'll see you at Gitmo.
Someone steals your golden vase and takes it to the pawn shop...they leave their fingerprint there and...voila! A chain of evidence!
We already leave something very personal everywhere we go -- our face! Cameras capture our images everywhere. Fingerprints and retinal eye scans MAY be "the mark of the beast", but it sure would simplify things and make the world safer, wouldn't it?
What "privacy" do you want to protect (other than to commit crimes in private)?
McCain-Chaney 2008 and Beyond.
I don't see anything about arms in my post. And the Criminals happen to be our forefathers, all of them. They had the "overboard" mentality to want freedom. The diffrence is that they had the mentality to do something about it, lucky for us.
I'm glad you're not going to take up arms against the government. So either vote or run for office. I will not vote for you but some will.
I don't get picky with grammar and spelling unless I can't understand the post.
2. This will keep the low lifes out of this business and not designed to correct the mortgage loan mess.
Step 1. Impeach Bush
Step 2. Arrest Bush
Step 3. Torture Bush
Step 4. Try Bush
Step 5. Torture Bush
Step 6. Convict Bush
Step 7. Torture Bush
Step 8. Execute Bush
Step 9. Then move on to Cheney, Rice, Rusfeld and the others.
People should better their time in trying to get things like political correctness thrown out, (freedom of speech) and judges that legislate from the bench, (overturning) of the peoples will, as in the last boondoggle about gay marrage in Cal. No I'm not trying to start on gay marrage, it's an example of liberal judges overturning of a legal vote and result of the majority.
The main thing is, if congress can do this, with little fanfare, what will be next?
In Illinois, we have the "finacial and professional regulation" department. Most all fingerprinted.
The point is, that those in congress and the president are our employees. They govern with our consent. It is our fault that we don't oversee our employees better and we had better start because as the saying goes, unchecked power corrupts. It already has.
Ohio Broker Law SB 185 ALREADY has this and F'ing more.
If you are LO in Ohio you a convict on a weekend pass so to speak. You have to have your finger prints on file at all time with the State of Ohio and Feds too. AND every three years pay about 100 bucks to have them run again!!
OH and the best part of all this f'ing crap??
You have to inform the state with in 10 day if move out of your house and your new home address!!
So the way I see it the feds are just catching up with us in Ohio!!!
Way to Boy Mayor er Rep Dennise K
PS I'm sure this will help all the forclosures in Cleveland. Maybe you can get your new gf a place on the cheep???
This act is similar to those. Furthermore, there is nothing in the act requiring those getting mortgages to be finger printed.
Get over it!
Yes, and our forefathers are dead and they don’t run this country in this dangerous time."
If our elected representatives had stuck to the Constitution, we wouldn't be in this dangerous time.
Instead, we hire Bin Laden and arm him to fight the Afghan-Soviet war. Then he winds up on the FBI's most wanted list. Despite that, he is treated at a US military hospital in Dubai in 1998 for kidney dialysis and released. Then he 'turns on us', supposedly plans 9/11, recruits mostly saudi arabian hijackers, and orders NORAD to stand down from a cave in Afghanistan. We corner him at Tora Bora and let him go. Then we invade Iraq (undeclared war, unconstitutional), which was supposed to pay for itself with oil.
Now we are in an economic recession that is only going to get worse. Dangerous times indeed. Seems to me that Al Qaeda is the least of our terror concerns.
Entangling alliances anyone?
Conservatives, liberals, Republicans, Democrats...none have done a good job of running this country for a long time.
Further, this committee is made up of a near equal number of Republicans and Democrats and only 2 of them voted against the amendment, CRAFTED BY SHELBY-R, AL and Dodd-D, CT.
As George Wallace said during his campaign for President: "There ain't a dime's worth of difference in the two parties." This is more evident today than in 1968.
A good read on the evil of both parties: http://www.lewrockwell.com/rockwell/enemy-alway...
Check your fantasies at the door please. They question is how to regulate it, not stop it.
There is plenty in the bill to be concerned about but this type of paranoia is pointless.
They should know that responsible Americans can only be pushed so far and then all hell breaks loose. One gets the feeling that another "tea party" is just about to happen.
It's ironic, after winning the cold war, the US has seemingly adopted many of the USSR's traits: Financially devastating occupations, oppressive surveillance at home, Pravda like media... the spending will do us in. Besides, we are far, far, too out-gunned to wage a successful tea party.
The Berlin Wall fell without a shot being fired, let's hope a similar de-construction of the federal gov't occurs, and soon!
Do a majority of people think the way you do? Do a majority care? The answer is no. You are the only ones who think the way you do. You are the minority and as the minority you'll take it and like it.
All Americans must REFUSE to give their personal information
All Americans must FIRE their banks
The banks are in bed with big brother Marxist Government. The fed waves a flag in our face at the same time they are sticking it in our Ass.
SAY NO-REFUSE-ARGUE-IGNORE their Marxist rules
In other words tell the banks and Government to kiss your ass way up high where it looks like Cedar
These Senators are irresponsible in their oath to follow the Constitution. Dodd is a control hungry democrat, Shelby was a pork happy heavy spending democrat who changed sides to keep in power after the 1996 elections. He is still a southern democrat in ideology. He is still getting huge earmarks for huge buildings with his name on them, much like Robert Byrd in WV. Maybe he will switch back to democrat now that they are back in power, although infiltrating and diluting the republican party seems to have worked for him.
And I think it should be public record. These photographic identification tools are vital, not only to national security but also to public safety and the health and welfare of the common good.
And I think it should be public record. These photographic identification tools are vital, not only to national security but also to public safety and the health and welfare of the common good.
----------------------------
Would be a good idea. Make sure people are exercising.
Its funny how nobody gets up in arms about America's greatest abuse of personal privacy, the social security numbering system. That was initiated by another Democrat, the Japanese imprisoning FDR. It is used to this day to track every single one of you idiots... but you're too stupid know.
Perhaps he is the candidate we should be supporting.
Posted by: David G. - 05/24/2008
What would Ron Paul do or think about this?
Perhaps he is the candidate we should be supporting.
-------------------------
Supporting for what? He's not a candidate for president. Because he's supported by people who wear tin foil on their heads, he will never win.
This bill to require “Finger Printing” for mortgage “Industry and “Lenders” is nothing but a smoke screen to make all you sheeople feel good and safe. However, it is nothing new. I am in the “Private Equity” business. I put Millions of dollars to work every day. I deal with Accredited Investors, who must be worth a minimum of One Million and have a minimum of Two Hundred thousand a year of income. I had to take in-depth and painstaking test in order to receive a Securities License. However, even if I past these test, I had to have a Criminal and Financial background check into the depths of my soul. So, there is a small bit of trust established when I first deal with clients, due to the procedures I had to take to get started with my firm.
Thus, I am held individually responsible for any “Willful” wrongdoing. I am held both Criminally and Financial Liable. This is and of its self can be a deterrent. It will not prevent the “Bad Apple” from being bad. Nothing will. But at least they can weed out the BAD APPLES to a higher rate.
It’s just common sense. It isn’t a “FREEDOM” thing or a “Rights” violation. Wake up America; start thinking with your own mind. Stop being Sheep.
Misleading headline!
All the Democrats who screamed about the Patriot Act are now more than willing to have Americans fingerprinted to be part of a massive database. Obviously, it can be misused. Threats to our civil rights is nothing new. The liberal Democrat hero, FDR, imprisoned Japanese-American citizens during WWII and took away their jobs and property. Obviously, it you're a Democrat, it's okay to pass legislation that will slowly diminish our civil and privacy rights.
You can bet that illegal immigrants and Muslims will not be fingerprinted since that would amount to racial profiling. It's doubtful we'll have Federal agents standing at the border fingerprinting illegal immigrants.
Posted by: Kevin B - 05/23/2008
Oh, and if you didn’t notice - it seems that only real American men seem to be bothered by stuff like this. American women love it. The more control the government has over us, the stronger they feel (women that is)! And the weaker we are as a nation."
Oh, come on you waste of air. Plenty of women are bothered by it - and we're fighting it. Your divisiveness is ninety percent of the problem - grow up and get out of first grade!
Amendment Four: "The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized."
Simple as that.
I can understand fingerprinting criminals, if you find a crime and no criminal, you can do a fingerprint search through a datebase to find matches, but
Realtors and Mortgage lenders SIGN many documents. They attend closings or escrows. They SHOW UP at OFFICES.
So what detective work is the the fingerprinting supposed to help that their SIGNATURE isn't going to provide?
---------
You're spot on about abortion. Abortion should be decided by the legislative and executive branch of government. Your finger prints are not private either. You leave them everywhere you go as well as your DNA. Placing either your finger prints or your DNA in a database is not a violation of privacy because privacy is not a right. Additionally, the 4th amendment does not preclude your finger prints being placed in a data base because it is neither an unreasonable search or seizure.
When professionals have this done, they have consented to the finger prints and subsequent investigation of past criminal behavior. People are not always who they say they are. Some are criminals trying to capitalize on a trusting public based on the status of being professional. The government is well in its reach and scope to regulate commerce and the professionals who participate. The commerce clause grants this authority. People in the mortgage business participate in interstate commerce and their personal behavior and ethics have a direct consequence on commerce. Reference Wichard vs. Filburn and Gonzales vs. Raich.
Please pay attention to the message and declining of your civil liberties, we must begin to fight back.
The abuses of the Bush era have gone on long enough!
Fingerprints for a home loan? Surely, the American people have gone to sleep and let tyranny into our house.
Dear enough,
News Flash! The Democrats have the MAJORITY in the House and Chair all the Committees. Who do you think wrote the Bill?
And we deserve it.
To hell with this latest scheme to deprive each and every one in America of ALL SENSE OF PERSONAL IDENTITY AND SOVEREIGNTY. People should ALL refuse to go along with this, just as they've had to refuse to go along with so many other PRIVACY-INVADING schemes of late!
They can have my fingerprints, DNA, retinal scan, etc. I would hope they would issue national ID cards with that info.
We could eliminate voter fraud, illegal immigration, fake ID usage by teens, identity theft, and I'm sure many more.
Swipe the photo ID card and put your thumb to a reader to verify you are who you claim.
Crimes with DNA or fingerprint evidence could quickly be solved.
I suspect most people who oppose this type of thing are criminals of some type i.e. tax evaders, pedophiles, illegal drug users, etc.
To hell with such arrogance! What do YOU have to *show off*? Not everyone WANTS to be in a friggin' database along with criminals & sleaze-bags & lawyers & shysters like some of the ones posting here!
The reason they call it "your information" on all the so-called Privacy Notices being spewed out by every doctor office, bank, lending corporation, medical agency, ad nauseum, is because THAT INFO *BELONGS TO US*!
To hell with anyone trying to amass and database and datamine it without our express approval!
let bush’s daughters and cheney’s kids go to irag!!!!!!!!! efffff bush and his policies. let his mother get finger printed!!!!!!!!!!!!!!!!!! enough already!!!!!!!!!!!!!!!!!!!!!!!!1
Why do you omit the sons/daughters of the Democrats that voted to support the war? Should't they go to Iraq also?
Kevin
I think that requirement applies to about any industry that tends to attract crooks.
Why should the mortgage industry be exempt, now that they've shown themselves to be just as crooked?
This is our government, and it is sad. We are becoming the ultimate police state. Extremes have infiltrated both parties in control of this great nation, fascism will not come wrapped in a flag and carrying a cross. Its already here, and it comes tacked on to legislation that is put forward to protect the children. Won't someone think of the children?
But, hey tell you what government. If I personally will save money by buying from a fingerprint screened mortgage agent, I will be glad to seek out those offices.
Also, if I had two credit card offers, one with a much much lower interest rates, I would be glad to submit to finger print verification at every purchase.
Also, if I can get through the airport security lines faster, I will sign up tomorrow.
I know a lot of conspiracy theorist, elderly, contankerous and just plain paranoid would never agree to any of it it. We should force them to do anything.
The important thing is that it optional and that the lower insurance and screening costs are passed back to those of us who are not affraid of the dark.
Babies are footprinted at birth for identification. There was a drive several years ago to have parents get fingerprints of their children so they could be identified if kidnapped.
If fingerprints are such personal items that they cannot be shared, do you folks always wear gloves to cover your prints?
Love the Bush Derangement Syndrome. The Democrat-controlled senate passed the bill and the BDS sufferer's are yelling about Bush doing it. Go Figure.
Guess its time to dip the tips in acid.
and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.
Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666."
Rev 13:16-18 (NKJV)
THE AMAZING THING IS, I AM THE ONLY REALTOR IN MY COMMUNITY THAT SEES ANYTHING WRONG WITH THIS NONSENSE. I HAVE WRITTEN MY STATE REPRESENTATIVES AND ASKED THEM IF THEY TOO WERE GOING TO BE SUBJECTED TO THIS INVASION OF PRIVACY. THE ANSWER WAS NO! AS ONE WHO WAS REARED TO BE A LADY, I AM OFFENDED TERRIBLY SINCE IN THE PAST THE MOST PEOPLE FINGERPRINTED WERE CRIMINALS! ALSO WE HAVE 20 MILLION PEOPLE IN THIS COUNTRY ILLEGALLY AND WE HAVE NO IDEA WHO THEY ARE OR WHERE EXACTLY THEY CAME FROM, YET I MUST BE FINGERPRINTED?? STUPID, RIDICULOUS, AND UN-AMERICAN.
C CROW
ROCKWALL, TX
You are an ignorant anti-American piece of shit. You don't understand why this country was founded. If this government doesn't preserve freedom, but takes it, it should be replaced with one that will.
George WAshington, Madion, Jefferson, and Hamilton would all punch you in the face if they heard your idiotic opinons.
bo
Who ever said that politicians are smart.
You talk big and you act as if you know everything about everything, so prove it! Come up with the numbers. This isn't about JUST FINGERPRINTING, It's about politicians taking away rights and people like you that say a lot and do nothing.
You said, in one post that the founding fathers are dead. True, but their principles are not, like it or not. They are being destroyed by liberals and anti-American A-- h---s and it's time to let our "employees" know that it's time to stop. We the people still own this country and if there are those that don't like it they should leave. You seem to like China, go for it!
People still have the right to say what they believe, including you, and so do I. You seem to want to argue with me about anything I write so have at it.
I got shot up in Nam because, at the time we were misled by a loud mouth Democrat and his a-- h--- buddies that formulated two attacks that never happened, We went because we thought we were fighting to free a country. And I was not drafted, I was in the military already. Some say that Bush did the same thing, I don't know if he did or not. I can't prove it. But written proof is out there about the gulf of Tonkin. What this means is, politicians have this kind of power and they use it. For better or worse. That is what they are doing now and you better wake up to it. Fingerprints now, something else next week. When they step on your toes you will scream louder than all of the rest of us put together.
Now, I'm going on vacation so you can argue the point all you want. Have a good time.
Take your fingers out of your mouth and read a little bit more slowly:
Real Estate Agents have to get their fingerprints taken in order to obtain a license. It's a measure of protection for you, the consumer, since these people are dealing with the single most valuable thing most of you will ever own.
It is only right that loan originators be required to do the same.
I worked in the industry in Orange County, CA for several years and I can tell you that there, in the epicenter of this whole fiasco, I saw some of the most amazingly fraudulent, under-handed and downright criminal activity you can imagine. And this was within major lenders staffed and managed by dead-end white collar criminals who you wouldn't trust to do your hardwork- I sh*t you not.
The loan originators who contributed -greatly- to the US mortgage meltdown were, largely, criminals. This is but one tiny little step towards getting these awful, awful people out of the mortgage industry.
The fact this bill will supposedly require fingerprinting of those even tangentially related to loan originating is the BEST PART ABOUT IT. These loan shops work by having one very motivated criminal/dirtbag with a broker's license employ dozens or even hundreds of kids fresh off the street to lie, cheat and steal for him over the phone. Ostensibly only the actual broker is engaging in mortgage business but EVERY company skirts this rule.
You have no idea what kind of people work in these industries! There is no schooling, no licensing, no background check... nothing! Just a desire to make money at any cost.
The abuses of the Bush era have gone on long enough!"
No enough! it is NOT the abuses of the Bush era, it is the abuses of police power. The Democratic Party in Congress is giving the Republican Party Bush Administration this power; then perhaps the Obama or Clinton Administration.
Do not let politics blind you enough!. People who do not need and should not have power over us are seeking it and silly election year slogans won't stop it.
SS#'s. Several persons on this forum are bashing political parties. I bash them all, they are all working for in a common interest. The beast power in Revelations.
The element of suprise is not there, it all plays in the book of Revelations. Word for word as predicted. We are in the final count down in earth's history.
Steve, are you a libertarian. If you are, you're a minority. Gallup polls show that 9-14% of Americans can be classified as an l. You seem to care about this issue. You're a minority. Unsustainable credit and mortgage debt. No, you're a minority.
See people just need candy to shut up and not care. The rest of the people who vote will vote R or D. The other votes will be flushed down the toilet of history. It just takes bread and circus to create an empire.
Am I the only one who see these tactics as deceptive to the people - a housing bill, with nat'l security clauses? pff - wake up people.
Bush veto's the first round, was this added to appease him, and thus pass this bill? it makes much sense to me, considering all the other bull crap he has pulled all along.
Theres a better way to fix the credit problems - DO NOT BAIL OUT THE 'LOOSE LENDERS' and instead enforce responsibility. Period. They will learn their lesson that way.
I agree - VOTE EVERY SINGLE PERSON OUT of Washington, EVERY ELECTION. 1 term for all. They get too cozy with the lobbyists. (banking, military, pharm etc..)
'By the special interest, to screw the people' - should no longer be tolerated.
'I'm just a bill
Yes, I'm only a bill
And if they vote for me on Capitol Hill
Well, then I'm off to the White House
Where I'll wait in a line
With a lot of other bills
For the president to sign
And if he signs me, then I'll be a law.
How I hope and pray that he will,
But today I am still just a bill.
Boy: You mean even if the Whole Congress says you
should be a law, the president can still say no?
Bill: Yes, that's called a veto. If the president vetoes
me, I have to go back to Congress and they vote
on me again, and by that time you're so old...
Boy: By that time it's very unlikely that you'll become
a law. It's not easy to become a law, is it?
Bill: No!
But how I hope and pray that I will,
But today I am still just a bill.
Congressman: He signed you, Bill!
Now you're a law!
Bill: Oh yes!!!
w w w . n i g g e r m a n i a . w s
www.chimpout.com
http://www.youtube.com/watch?v=3Lxcq8fGY9w
PLEASE JOIN US - WE NEED PEOPLE TO SPREAD THIS MESSAGE!!
Please take the time to read this communication.
On 4th July 2008 - A peaceful non-violent demonstration will take place in cities around the world to expose the fraud, corruption and lies at the heart of our governments. It is an opportunity to express your right to free independent thought and to begin the fight to reclaim your liberties and freedoms. On the streets of London, on the sidewalks of Washington D.C, in the heart of Athens and in every other political Capital across the world, demonstrations will take place to demand a return of proper representative government. This may represent a final opportunity for the citizens of the world to stand together to demand the independent free world we all want to live in -- WE the people of the world will be heard on this day 04th JULY 2008.
We encourage all citizens of the world to embark on a journey of discovery now. Through independent research you can gain an understanding of what your governments are doing in your name and the kind of world they are planning for your future. This is not about a far distant country or peoples you do not know, this is about your country, your local community, your family, your friends. It will affect all our futures and concerns all the good people of our world.
It may prove difficult to grasp, given the constant barrage of propaganda from media institutions, but YOUR government is systematically removing YOUR liberties, YOUR freedoms and YOUR very right to exist as a free thinking individual. In many countries the aim of totalitarian dictatorship has already been achieved and understand this, history teaches sound lessons to us all concerning the consequences of allowing dangerous people to take control and 'change' our 'view' of the world around us.
We at visionary-peace are promoting the 4th of July as a day of independent free thought, through peaceful protest. It represents something we can all relate to and represents why we must all stand up and shout for our freedom. The time for media diversion and lies is over. The time for demonstration is NOW. We must raise public awareness to the dangers ahead. The actions of the global elites must not be ignored by good people any longer. These thieves and liars must fail to achieve their ultimate objective now. WE are all fighting for our right to exist now, whether we realise it or not.
The plans of the New World Order are cloaked behind the veil of economic crisis, terrorism, globalisation and corporate partnership. Our governments have been effectively 'taken-over'. Believe me, your elected representatives are not who they appear to be. Investigate their 'backgrounds' for yourself. Look for the family/historic/organisational connections and understand this - your democracy has been usurped by very undemocratic organisations. These people have an agenda which ultimately aims to achieve TOTAL CONTROL over the life of every individual.
'Imagine the future as a size twelve boot stamping on the face of humanity for eternity', because this is the future the global elite are embarking upon. It will mean the end of your freedom, the end of your liberty, the end of your choice, the end of your individuality. ONLY through protest and civil disobedience can these planned changes to our way of life be halted -- Only the citizens of the world, united as ONE can stop the illegal and fraudulent conduct of our governments. TOGETHER we can put a stop to the monstrous totalitarian future our 'elected' representatives have planned for us.
DO YOU really want enslavement for your future? We invite every citizen of the world to seek out the truth -- please raise your awareness of the issues....and be prepared -- the coming years will bring the fight for freedom to you, into your neighbourhood, into your workplace and into your home.
No better yet: fax your Senator a picture of a LARGE fingerprint!
James
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