12/17/2022 0 Comments Breakaway audio enhancer 1.20.12And that assumes that the banks will live up to their side of the deal when past settlements of servicing abuses have shown that they don’t. They’ve argued from the get go that a pact will be good for homeowners when the deal reached by under-resourced Nevada attorney general Catherine Cortez Masto with a single servicer, Saxon, resulted in a payout that is 10 to 20 times what the Administration is calling a victory. They kept claiming that they had undertaken investigations when not a single subpoena was issued by the AGs still involved in the negotiations. They’ve described a deal as weeks away for over a year. They were presented as “attorney general” discussions when the Administration was pulling the strings. Almost nothing the Miller camp said was believable. We and other commentators have discussed how the mortgage settlement negotiations nominally led by Iowa attorney general Tom Miller had descended into farce. He refused to appoint a real middle class advocate, Elizabeth Warren, to the Consumer Financial Protection Bureau, but he’s not above stealing her talking points. To add insult to injury, Obama is apparently going to present his belated Christmas present to the banking industry as a boon to ordinary citizens. If nothing else, his settlement pact has a non-trivial Constitutional problem which the Republicans, if they are smart, will use to undermine the deal and discredit the Administration. What he misses is that we are well past the point where coverups will work, and they may even blow up before the November elections. The president seems to labor under the misapprehension that crimes by members of the elite must be swept under the rug because prosecuting them would destablize the system. It’s yet another gambit designed to generate a campaign talking point while making the underlying problem worse. As we discuss below, he will use the State of the Union address to announce a mortgage “settlement” by Federal regulators, and at least some state attorneys general. Obama’s latest housing market chicanery should come as no surprise.
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