• Gold Money
    05/26/2016 - 14:27
    Here’s a question that might have you pondering: Is gold a commodity? More importantly, are we doing a disservice to the gold industry by calling gold a commodity? These may sound like silly...

rcwhalen's blog

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David Kotok: Meredith, Will You Be My Valentine?





Latest from my friend David Kotok.  I think both he and Meredith Whitney are too bullish on the banks

 
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But Do We Really Want Smaller Zombie Banks?





The problem with “too-big-to-fail” is first and foremost the behavior of our beloved political leaders in Washington

 
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Tail Risk: Kamala Harris Declares War on Lenders, Loan Servicers in CA





Work in the mortgage market?  Never read about Kamala Harris or the  CA "Home Owner Bill of Rights?"  Read on....

 
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Does an Equity Market Rally + Higher Interest Rates = > HPA?





Q:  Can a ZIRP-driven bull market in US equities exist, side-by-side, with an economic rebound and a bullish outlook on HPA?  A: "No"

 
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Qualified Mortgages, Loan Credit Standards and Safe Harbors for Securities Fraud





It is a “fraudulent transfer” to transfer assets with intent to leave the transferor with inadequate capital... Thus every bank “sale” done for the purpose of reducing regulatory capital is, by definition, fraud – a form of bank theft. 

 
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Q4 2012 Bank Earnings Outlook -- Lower Mortgage Volumes Suggest Anything?





If the large TBTF banks are really being forced  out of the mortgage business, then just how will we achieve these revenue growth rates?  How indeed.

 
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To Honor Our Veterans Please Boycott Delta Airlines





If you share our sense of outrage at the way wounded veterans are treated by Delta Airlines and other commercial carriers, then please get involved.  Merry Christmas


 
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Fraud: Jon Corzine, George W. Bush and the 2005 Bankruptcy Reform





When you hear Republican politicians pointing figures at Jon Corzine for his “alleged” acts of fraud in the MF Global collapse, ask them why they changed the bankruptcy code in 2005 to allow such acts of fraud to go unpunished.  

 
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Large Bank Mortgage Cartels and Fed Economists





The Fed has never met a large bank merger that it did not like and has never been willing to deny such an application by a bank holding company, especialy a BHC that houses a primary dealer. 

 
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Citigroup Rises While Bank America Wallows





So now that Vikram Pandit has exited stage right from the CEO position at Citigroup, a number of people have asked me about the Zombie Dance Queen.  

 
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FNB + ANNB = Value Creation at a Full Price





Overall, the acquisition of ANNB by FNB looks like a transaction that will create value for the acquirer’s shareholders, but it comes at a full price.

 
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