We Won! Bill to Retroactively Immunize Mortgage Fraud Defeated

George Washington's picture

A friend on the Hill just wrote me the following:

HR 3808 Veto Upheld


HR 3808 went down.

Congratulations to everyone who called their congress members to demand that this blatant attempt to legalize mortgage fraud be defeated.

Here's the roll call on the vote (and see this).

And thanks to ZeroHedge poster 4ClosureFraud for being on the forefront of this issue, and helping to keep us informed! 

For those who don't know, 4ClosureFraud - and their friends Foreclosure Hamlet - have been the two main movers and shakers in exposing foreclosure fraud in the United States. 

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Hook Line and Sphincter's picture


Turn your head for a second and you'll miss the second punch. Check this out.



Senate bill S 510 vote imminent – procedural vote passes 74-25

(NaturalNews) U.S. Senate Bill S 510 is now on the Senate floor where a vote is expected shortly. Yesterday, the Motion to Invoke Cloture passed on a vote of 74-25 (see how they voted, below), sending the bill forward for a final vote perhaps as early as today.

US Senate offices are experiencing a huge backlash of grassroots opposition to the bill — called the Food Safety Modernization Act — as virtually every health freedom organization, family farm group and even dietary supplement companies have aligned to oppose this new bill. It is being called “The most dangerous bill in United States history” and would thrust America into a new Dark Ages of FDA tyranny over seeds, foods, herbs, gardens and nutritional supplements. (http://naturalnews.com/030418_Food_…)

Opposition to the bill has been widespread. For example, the John Birch Society issued this alert yesterday:

Senate Bill 510 has already passed committee and is on the Senate calendar. It calls for enhanced expansion of FDA authority over small farms, ranches, and other food producers, establishes burdensome administrative requirements for large and small operations, and arbitrary legal authority to recall “unsafe medications,” the definition of which is not clearly established; if in line with the global standard set by Codex Alimentarius, “unsafe medications” could extend to dietary supplements and herbal products. There is language that currently exempts from heavy regulation dietary supplement manufacturers and packagers. However, the FDA and its agents are notorious for interpreting regulations their own way.

Take Action: Click here to sign the John Birch Society petition opposing S.510.

The John Birch Society insists that “My right to produce, distribute, and consume the foodsof my choice is part of my right to life and liberty under the Constitution.”

I happen to agree. The FDA has no business telling us we can’t buy raw milk, or we can’t save our own garden seeds or grow organic produce and sell it at the farmer’s market.

How they voted so far

Here’s how the senators voted on the motion to send S.510 to a full floor vote: (this is a procedural vote to move the bill forward so that it can be voted on for final passage)

Who voted in FAVOR of moving S.510 forward

Akaka (D-HI)
Alexander (R-TN)
Barrasso (R-WY)
Baucus (D-MT)
Bayh (D-IN)
Begich (D-AK)
Bennet (D-CO)
Bingaman (D-NM)
Boxer (D-CA)
Brown (D-OH)
Brown (R-MA)
Burr (R-NC)
Burris (D-IL)
Cantwell (D-WA)
Cardin (D-MD)
Carper (D-DE)
Casey (D-PA)
Collins (R-ME)
Conrad (D-ND)
Coons (D-DE)
Corker (R-TN)
Dodd (D-CT)
Dorgan (D-ND)
Durbin (D-IL)
Enzi (R-WY)
Feingold (D-WI)
Feinstein (D-CA)
Franken (D-MN)
Gillibrand (D-NY)
Grassley (R-IA)
Gregg (R-NH)
Hagan (D-NC)
Harkin (D-IA)
Inouye (D-HI)
Johanns (R-NE)
Johnson (D-SD)
Kerry (D-MA)
Klobuchar (D-MN)
Kohl (D-WI)
Landrieu (D-LA)
Lautenberg (D-NJ)
LeMieux (R-FL)
Leahy (D-VT)
Levin (D-MI)
Lieberman (ID-CT)
Lincoln (D-AR)
Lugar (R-IN)
Manchin (D-WV)
McCaskill (D-MO)
Menendez (D-NJ)
Merkley (D-OR)
Mikulski (D-MD)
Murray (D-WA)
Nelson (D-FL)
Pryor (D-AR)
Reed (D-RI)
Reid (D-NV)
Rockefeller (D-WV)
Sanders (I-VT)
Schumer (D-NY)
Shaheen (D-NH)
Snowe (R-ME)
Specter (D-PA)
Stabenow (D-MI)
Tester (D-MT)
Thune (R-SD)
Udall (D-CO)
Udall (D-NM)
Vitter (R-LA)
Voinovich (R-OH)
Warner (D-VA)
Webb (D-VA)
Whitehouse (D-RI)
Wyden (D-OR)


Bennett (R-UT)
Bond (R-MO)
Brownback (R-KS)
Bunning (R-KY)
Chambliss (R-GA)
Coburn (R-OK)
Cochran (R-MS)
Cornyn (R-TX)
Crapo (R-ID)
DeMint (R-SC)
Ensign (R-NV)
Graham (R-SC)
Hatch (R-UT)
Hutchison (R-TX)
Inhofe (R-OK)
Isakson (R-GA)
Kyl (R-AZ)
McCain (R-AZ)
McConnell (R-KY)
Nelson (D-NE)
Risch (R-ID)
Roberts (R-KS)
Sessions (R-AL)
Shelby (R-AL)
Wicker (R-MS)

All of you who live in states where senators voted in favor of this need to call your U.S. Senate offices today — right now — and urge them to oppose this nefarious bill.

Call the Capitol Switchboard and ask to be directly connected to your Senator’s office: 202-224-3121.

We are about to lose our food freedoms over the bill, because unless more pressure is brought to bear, it looks like this bill will soon pass — and we will be thrust into a new era of FDA tyranny over the food supply


rzombeck's picture

This vote, just like the first one is irrelevant and the notary seal is inconsequential - you can't polish a turd. Ira Reinhold of NACA made that clear the first time around. On another note:The fact that you see those two sites as "THE two main movers and shakers" is a joke. They are more prone to histrionics and misinformation based on knee jerk "calls to actions." In addition they don't publish any comments or articles that don't agree with their point of view or version of the facts.

this is a goof read: http://www.mfi-miami.com/2010/11/just-because-a-website-claims-to-be-a-foreclosure-advocacy-site-it-does-not-mean-it-is/


dizzyfingers's picture


quote: they are talking about setting up a fund for homeowners that were foreclosed on improperly, based on fraud...so they going to compensate everybody that bought a house since 2000 because the banks with their fraud and fraudulent securitizations inflate house prices? unquote

Please read the excerpt of THE MONSTER posted by John Mauldin at OUTSIDE THE BOX: " Yes, it's likely if a fund is set up that many who actually signed for liar-loan mortgages knowing what they were doing will get assistance. Our government isn't good at weeding out advantage-takers from those who are deserving, perhaps because politicians are themselves advantage-takers, but if you can read the two quotes from the excerpt I've appended without understanding that the "massive fraud" phrase covers the situations of some, perhaps many, possibly most folks who did nothing wrong, then you have a greater love of money than you do an understanding heart. Maybe bloggers could "fix" the problem of abuse of a helper fund the same way they fixed the HR 3808 veto problem? But please at least read the selected quotes below even if you choose not to read Mauldin's exerpt of THE MONSTER (though I hope you and others will read the full excerpt. Its revelations need to be widely known in order to avoid another such horror).

"A few weeks after he started working at Ameriquest Mortgage, Mark Glover looked up from his cubicle and saw a coworker do something odd. The guy stood at his desk on the twenty-third floor of downtown Los Angeles's Union Bank Building. He placed two sheets of paper against the window. Then he used the light streaming through the window to trace something from one piece of paper to another. Somebody's signature." and "Ameriquest's deals were so overpriced and loaded with nasty surprises that getting customers to sign often required an elaborate web of psychological ploys, outright lies, and falsified papers. "Every closing that we had really was a bait and switch," a loan officer who worked for Ameriquest in Tampa, Florida, recalled. " 'Cause you could never get them to the table if you were honest." At companywide gatherings, Ameriquest's managers and sales reps loosened up with free alcohol and swapped tips for fooling borrowers and cooking up phony paperwork. What if a customer insisted he wanted a fixed-rate loan, but you could make more money by selling him an adjustable-rate one? No problem. Many Ameriquest salespeople learned to position a few fixed-rate loan documents at the top of the stack of paperwork to be signed by the borrower. They buried the real documents—the ones indicating the loan had an adjustable rate that would rocket upward in two or three years—near the bottom of the pile. Then, after the borrower had flipped from signature line to signature line, scribbling his consent across the entire stack, and gone home, it was easy enough to peel the fixed-rate documents off the top and throw them in the trash.At the downtown L.A. branch, some of Glover's coworkers had a flair for creative documentation. They used scissors, tape, Wite-Out, and a photocopier to fabricate W-2s, the tax forms that indicate how much a wage earner makes each year. It was easy: Paste the name of a low-earning borrower onto a W-2 belonging to a higher-earning borrower and, like magic, a bad loan prospect suddenly looked much better. Workers in the branch equipped the office's break room with all the tools they needed to manufacture and manipulate official documents. They dubbed it the "Art Department." At first, Glover thought the branch might be a rogue office struggling to keep up with the goals set by Ameriquest's headquarters. He discovered that wasn't the case when he transferred to the company's Santa Monica branch. A few of his new colleagues invited him on a field trip to Staples, where everyone chipped in their own money to buy a state-of-the-art scanner-printer, a trusty piece of equipment that would allow them to do a better job of creating phony paperwork and trapping American home owners in a cycle of crushing debt."

The Monster : How a Gang of Predatory Lenders and Wall Street Bankers Fleeced America--and Spawned a Global Crisis

Michael W. Hudson

Bait and Switch


moneymutt's picture

I'm with you...I do think many innocent people we crammed into loans by pure deception...most of these were refis...so they weren't even helping people buy houses but setting up people to lose their houses when rates on loan exploded. These people are scum and it should be exposed. I read one story about a woman who re-fi'd her house so basement would be handicapped accesible for a sick family member. She wanted fixed loan, and was told that's what she was getting, they came to her house to close, she made them sandwiches and told them what the money was for...and they tricked her into an exploding rate mortgage and she lost the house. Cold blooded.

What I was reacting to was the fact the AGs were going to sell out for too little and for limited situations. People who were tricked into a subprime mortgage should get trelbe damages as far as I'm concerned..I think your point is very good one, people don't ahve a clue how much fraud these mortgage slimsters inflicted on people.....my point is a seperate one, that all the title issues, property rights, rules for recording title should not be abandoned, that we shouldn't accept MERS, robo-signed affadavits etc because banks paid a bit into a fund. Rule of law matters...you shouldn't be able to bribe your way out of murder charges and you shouldn't be able to bribe your way out of disobeying property rights laws...our markets and common wealth depend on it. Third world countries have horrible, debilitating issues with clouded title, muddy property rights, and we are letting the banks take us to that type of messed up, convoluted, corrupt system and all we ask from them is a small fund..Nope, not right.

Because the predatory loans were target initially mostly at blacks and latinos, there was little political will to police the horrible deceptive tactics of these mortgage scum...neighborhood and civil rights activists in places like Cleveland and Baltimore were screaming to the FED, the agency with authority to police mortgage fraud, to stop this predation in early 2000s, but no one did a thing...then the State of OH tried to pass laws to reign in worst abuses done to their citizens but Fed Govt claimed pre-emption and stopped them. As Jesse Jackson said, the ship was sinking, but because the leaks were in the lower class compartments, no one on the upper deck cared...now the whole ship is going down..

bingaling's picture

Was happy to see Ron Paul voted Nay . He is always for "the right thing" . I am wondering how many of the "new tea party" is going to vote like him and how many are just corporate tools pretending come January . I have a feeling many will be pretenders .

tetragrammaton's picture

What would happen with gold price when hyper inflation get cured by new world currency?

JW n FL's picture

Republicans.... Change you can believe in!

Tea Party... yet to be bought and paid for by the lobby...

Obama... Bush part Duex!

williambanzai7's picture

This vote is a barometer for what will happen if we allow the Republicans back in. 

Widowmaker's picture

You are absofuckinglutely right!


msjimmied's picture

The state AG's says nope, too early for any kind of decision, contrary to what CNBC was touting?



gwar5's picture

Nice Job. Congress finally did something right.

Hopefully this will more attention from the public.

Job is not done. They'll try again.

jedwards's picture



It was simply a procedural thing used to tell Obama they didn't like the fact that he used his pocket veto to overrule the bill.  There was ZERO chance that this was going anywhere.



Bartanist's picture

After looking at the roll call the only thought that comes to me is: "I know we needed to change from the corrupt democratic Congress, but damn, the Republicans are the ones who voted to support FRAUD and the oppression of the American people".

We need some better choices next election.

Bartanist's picture

After looking at the roll call the only thought that comes to me is: "I know we needed to change from the corrupt democratic Congress, but damn, the Republicans are the ones who voted to support FRAUD and the oppression of the American people".

We need some better choices next election.

CustomersMan's picture


You assume that the Republicans who control the electronic voting machines were honest and that the vote was right.


What are the chances of that happening???????

flaunt's picture

When I hear about shit like this it brings to mind an exchange from Star Wars Phantom Menace:

Nute Gunray: "But my Lord, is that legal?"

Darth Sidious: "I will make it legal!"

These assholes think they can do whatever the hell they want and if they happen to do something that violates the very same rules they use to keep us under control, they get their minions to MAKE it legal.  It's fiction come to life!

moneymutt's picture

laws are for little people

yabyum's picture

Thank God our two repubs from Utah got down on their kness to service their banker overlords...scum.

honestann's picture

Now that the elections are past, they will simply introduce and pass a new and even-more-egregious bill that Obama will sign (having no worry about an imminent election).  Remember, the old democrat-controlled congress still runs rampant until January.

moneymutt's picture

umm, it was the existing/old Dems that vote against the veto override and the Repubs that tried to over ride veto and get this bill passed, when there are more Repubs, such a bill will have a better chance, not worse chance

From many comments like yours, I can see the conservatives that thought Obama and Dems were the biggest sellouts to Wall Street will be very dissappointed with the Repubs...both parties are sell outs to WS...Repubs had complete control of Pres and Congress from 2000 to 2006, and during that time Wall Street got anythign and everythign its wanted, and it was Repub pres and Dem congress that did bank bailout. If you think Repubs being back in power will check Wall Street, you will be so dissappointed.

honestann's picture

I don't much distinguish democrat-traitors from republican-traitors.  My point was this.  The current congress passed the original travesty.  To override a veto requires super-majority, not majority... a much higher burden.  The way around that is simple.  Just write a new version of the bill (with 10 words changed), then only a majority is needed again, which this congress already passed, no matter who is in control.

moneymutt's picture

Obama vetoed it, why wouldn't he veto it again, requiring 2/3rds again?

moneymutt's picture

One of the Dems that voted to over ride veto is Ellison in MN...he reps a very liberal district aroun Mpls, he had no business voting with all the Repubs on this...in no way does that vote represent his very progressive, anti-wall street district...Mpls is not a banking center...anybody in Mpls should take him to task on this

EvlTheCat's picture

One more reason to vote for Ron Paul for President.  That is if he runs.

zen0's picture

I have been informed that the t-partiers didn't get to vote cuz they are not seated yet. Big difference between Canada and U.S.

Once you are voted out, you don't get to do anymore damage.

Therefore January will be a sea change, not the same-old.

moneymutt's picture

watch what your politicians do, not what they say...Dems thought Obama would be harder on banks that W and Paulson were, but he did same things as W and Clinton did, whatever Wall Street wanted, they got...as shown by his appt of Summers...now Tea Partiers think Repubs will be hard on Wall Street, but they won't...sure some Tea Partiers will be true, just as Ron Paul is, but most of the Repubs that relied on angry conservatives to get elected will turn on the conservative base and do the bidding of Wall Street, just watch

Bachmann is already in Congress, she leads Tea Party Caucus, and she voted to over ride veto, and she has made many pro Wall Street votes in the past...watch what she does, not what she says...

Chicagomark's picture

If this is what we can expect from the Republicans come January, Wall St. won't have to worry about a thing and will be able to continue with their fraud with impunity.

tony bonn's picture

god bless 4ClosureFraud!!!!!

RobotTrader's picture

Nov. 17 (Bloomberg) -- Banks in Europe may escape global
rules designed to limit their debt, as several countries push
the European Union to drop a so-called leverage ratio, two
people close to the discussions said.


Ned Zeppelin's picture

My Rethuglican congressman voted yea. Wonder how much they paid him.

Dumb ass. 

CustomersMan's picture


It other news: Our friends from Israel want a written agreement to stop building on land they don't own for a grand total of 90 days.


Remember they shouldn't be building there in the first place, and haven't followed any of the requirements upon which their original temporary statehood was based. Or for that matter any of the U.N. Resolutions demanded of them. Although they do admit that the U.N. had the right to grant them a country, its just that they don't like any of the other rules they are asked to follow.


But this takes the cake. They want another SQUADRON of our top-of-the-line F35's free, along with other guarantees to stop their ILLEGAL ACTIVITY for get-this 90 Days, and guess what they want it all in writting.


And by-the-way we deliver all the fuel the Israeli military uses, TO THEIR DOOR FREE. I think thats about $850,000,000.00 a year (and its buried away in some foreign fuel assistance bill).


When was the last time Uncle Sam bought you a free tank of gas.


We don't have the money for our own military to fly the brand new F35 fighters that cost us over $3 Billion to develop over 15 years, but now Israel wants the first ones off the assembly line free (to copy and steal).


That brings the TOTAL TO: 2 free squadrons of F35's  to Israel plus the unlimited free fuel (which they don't even need) since they are doing way better than the citizens of the U.S.



Israel Delays Settlement Vote, Demands US Guarantees ‘in Writing’ Tags:

Seemingly on the brink of approving a limited 90 day settlement freeze this weekend, Israel’s government has put the cabinet vote on hold until further notice, and has demanded further concessions and a formal list of US guarantees ‘in writing’ before they will continue.

The quest to secure ever more from the Obama Administration is still on, however, as Israeli officials are in “marathon talks” with the US right now seeking, among other things, a promise that the US won’t ask for another 90 day freeze after the proposed one expires.



zen0's picture

Aren't you concerned about your Jew hate and misrepresentation of historical facts, in that it will impact your credibility in future posts?

scaleindependent's picture

Respond to the arguments with logic. Your current response just hurts your case.

RobotTrader's picture

Futures are loving it....


sbenard's picture

WHO won? Certainly not the taxpayers! The banks won't foot the bill for fraudclosure. WE will!

Don't you all remember months ago when Sec. Geithner extended "infinite" (HIS word) guarantees on mortage liabilities to Fannie/Freddie/FHA from the taxpayers? All this turmoil based upon fraud is only going to lead to another banking collapse that the authorities will claim just MUST have another bailout.

I just read yesterday that the FHA is insolvent.

This is nothing to party about! We will ALL end up paying for this calamity!

seadragonconquerer's picture

Wrong. We want the Fed/Bankster outrages to get worse. Not better. Point is to achieve absolute political polarization and economic collapse. Then Civil War. It's the only way to fundemental system change. Sorry.

Atomizer's picture

CFR Council Foreign Relations - Old News Reel


Does this sound familiar?


JimboJammer's picture

Great  News ....   thanks  George...

SwingForce's picture

I live in Broward County, FL and I haven't paid a penny since March 2008. I'm not bragging, just look how screwed up these banks are.

moneymutt's picture

keep it up, at least some one should get some free rent based on banks wanting to pretend they are solvent....

ghostfaceinvestah's picture

at least Ron Paul voted No

smashmouth football's picture

When I read Denninger's post complaining about the Republicans siding with Wall Street on this vote, the first thing I did was to go to the Thomas website (thomas.loc.gov) to find the roll call. Although I was reassured that Ron Paul voted to sustain the veto, I find it alarming that only 5 Republicans had the sense/integrity/fear to buck their Wall Street masters, especially considering they'll control the new House. Personally, I despise most Republicans, Democrats, and other politicians--they all act to pimp out ordinary Americans to Wall Street, the Military-Industrial Complex, and Israel.

Akrunner907's picture

The next to conquer is the deletion of the Interstate Commerce Clause.  We need to undo this particular loophole for Congress to wage war for federal supremacy.  States need to take back the rights to control what happens when businesses enter and transact business across their border.

MachoMan's picture

The states can take back control about the time they are no longer dependent on the federal government for bailouts...  (don't hold your breath)

nmewn's picture

I dunno.

I believe the extortion racket (where the Feds say do X or we withhold funds for your state) is beginning to break down...mainly because...well, they can't produce the "offending documents"...ie they are broke too.

It's all there for everyone to see now...the evil axis of NYC-DC.

Rather...I would say...how long before the states say...ya know...we could better use the money we send to DC right here ourselves.

MachoMan's picture

They think about that long enough to understand the cuts it would take in state actors' pay/entitlements and then decide it's best to let snarling dogs lie.

Cammy Le Flage's picture

This will be pushed through in xmas vote just like Jekyll Island UNLESS we stay vigilant this time.   Perhaps we will since we are all so broke we having nothing better to do.  Game on.

zen0's picture

I would like to see a list of so-called T-Partiers that voted Yea.


Stupid or Corrupt? No other choice.