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goodapproval1234
36 Posts |
 Posted - 05/27/2008 : 8:29:30 PM
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If the Government pushes through a big Housing Bill which will cost up to $300 billion dollars for current customers. Then I think it is a good possibility new homeowner financing and refinancing of good credit customers will dry up or get real tough like fannie mae.
Too much oversight, new government agencies/departments and government intervention will cost more and cause more harm then good.
They even added in the new Housing Bill a fingerprint Registry to be handled by the FBI.
***Pass this email to everyone you know and call/email the Senators below This was put in secretly and affects all and any mortgage employees and realters,your customers could be fingerprinted next after you.Fingerprint Registry in Housing Bill, Starts here where does it end. A lot of people will be affected such as Realtors, and any one who works on mortgages. This is an invasion of privacy and will be given to the FBI to form an FBI database, which according to many groups, it's information can be stolen by terrorists groups. Your fingerprints will be taken and this It is simply just too much government intervention. This was put into the Housing Bill the last minute, secretly, behind closed doors, and not disclosed properly. It has been preapproved in the Senate and will be going for a full vote shortly. Hardworking, honest, average citizens should not be fingerprinted unnecessarily.
here are the links: http://news.cnet.com/8301-13578_3-9951420-38.html?ref=patrick.net
http://www.openmarket.org/?s=fingerprint+registry+in+housing+bill
If the federal government runs this agency who knows what problems that will arise. They loose nuclear material/data , track of private information all the time, and Vets/soldiers information. The concern is they will loose your fingerprints or they will get stolen. Let's be real ,once it starts in one industry everyone will be fingerprinted and many customers will not feel comfortable with this, hurting the industry and cutting down business. thankyou.
It is not us honest folks who we are worried about. Lastly, again, do you want you personal info. taken , like ID theft and do you want more big government or less. Also, once the govt. does this on one thing they will keep increasing govt. intervention.
I know many states fingerprint , this is fine . Here is the problem though ,all the states will be pulled and put into an FBI database where your info can be lost, it will be shared with other government databases and used fraduantly. I don't mind state regulations, the problem is when the government at the federal level will be in charge and be able to confuse and mess things up, states can do what they want.
This is like a form of the Real ID act and next they will ask for customers to provide their fingerprints. *** This is just the beginning, if this Bill is allowed through and approved other industries and organizations will start Fingerprinting. This bill will pass if people don't act and call the Senators below and any others they can think of immediately.
****Tell everyone you know to email their friends, family,etc. and send an email and phone calls to as many Senators and Congressmen as possible. First, call the White House hotline and tell the President (he is thinking about Vetoing this) NO , you are against the Fingerprint Registry which the Housing Bill secretly and dishonestly included 202-456-1111 comments@whitehouse.gov *****
Preferably, the Senate Leader Harry Reid and Senator **** Durbin and the following Senators (and any others you can think of) on the Senate Banking Committee and tell them No, and they must take the Fingerprint Registry out of the Housing Bill, which was included without telling the public before it passes the Senate next week. It will hurt privacy and rights, but also possibly prevent future customers from getting mortgages due to fear of fingerprints as well.
you may phone the United States Capitol switchboard to ask for the following Senators below at (202) 224-3121 -have a name of a city in the Senator's state handy if asked by the particular Senators secretary taking messages where you are calling from.
**VERY IMPORTANT CALL AND EMAIL the following in the order posted:
*****Harry Reid Majority Leader (utah) http://reid.senate.gov***** Can take out of the Bill Singlehandedly
Republican Minortiy Leader Mitch Mcconnell (Kentucky) mcconnell.senate.gov
Richard C. Shelby Ranking Member (R-AL)
Christopher J. Dodd Chairman (D-CT)
Republican Jon Kyl (AZ) kyl.senate.gov
**** Durbin (Illinois) http://durbin.senate.gov/
Republicans
James Inhofe (Oklahoma)
John Sunnunu (NH)
Wayne Allard (R-CO)
Michael B. Enzi (R-WY)Jeff Sessions(Alabama)
Chuck Hagel (R-NE)
Jim Bunning (R-KY)Johnny Isakson, Saxby Chambliss (Ga)
Mike Crapo (R-ID)
Elizabeth Dole (R-NC)Charles Grassley(Iowa)Tom CoburnJohn Barrasso
Mel Martinez (R-FL)
Democrats
Evan Bayh (D-IN)
Tom Carper (D-DE)
Congressman Tom Allen (Maine)
Robert Menendez (D-NJ)Bernie Sanders (VT)Claire McCaskill(MO)
Senator Daniel Akaka (DHawaii)
John Sunnunu (NH)
Sherrod Brown (D-OH)
Robert P. Casey (D-PA)
Tim Johnson (D-SD)Robert Byrd ( W VA)Jay Rockefeller(WVA)
Jack Reed (D-RI)
Charles E. Schumer (D-NY)Robert F. Bennett (R-UT)
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mwfan55
392 Posts |
Posted - 05/27/2008 : 8:40:01 PM
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| Fingerprints are a great idea ! CA already has them ! |
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Pat
629 Posts |
Posted - 05/28/2008 : 04:23:49 AM
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Why does the title say "end of fha financing..." when it's clearly an anti-fingerprinting post?
We're fine with fingerprinting. I can wash my hands afterwards.
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VVance
2489 Posts |
Posted - 05/28/2008 : 06:23:10 AM
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quote:
Originally posted by mwfan55
Fingerprints are a great idea ! CA already has them !
It's true. Look at the results in CA. No high default rates, no foreclosures and no fraud. |
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bramous
970 Posts |
Posted - 05/28/2008 : 06:28:45 AM
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This is the second time the OP has posted this...nobody cares, fingerprinting can be a good thing. What do you have to hide???
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 06:47:12 AM
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| If you read my post clearly you will see we don't have to hide anything. I am though talking about bigger government, which in many cases not a good thing. As well as privacy rights for all involved even the customer. I think this will hurt the industry overall. Like I said states can do what they want , but when all the states link with a federal system it is no good. Leading to more problems, if not why is the government and economy/deficit in such bad shape today. Fingerprints in each state fine, but a big brother situation is a big mess. thankyou |
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HollywoodLO
261 Posts |
Posted - 05/28/2008 : 06:49:07 AM
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| Fingerprinting is required in many states already. What are you crying about? Are you afraid someone is going to find out you're a registered sex offender or something? |
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 06:56:21 AM
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| guess your just not paying attention to postings , you are just posting aimlessly. I said states are fine, it is when you get the whole big federal government involved. please be knowledgeable before you post. thx |
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homer5
363 Posts |
Posted - 05/28/2008 : 06:57:22 AM
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Finger printing is the very least of the issues facing this industry. The National Association of Securities Dealers have done for as long as I can remember going back to the seventies. Observing this shows us two things. One it's not really intrusive to the business and two it does little to stop fraud and anti consumer behavior.
I'd be more concerned with a lack of securitization, product, qualified borrowers and adequate collateral. All of which are shrinking daily.
What I wish we had that the securities industry has is a self regulatory status. But even this is moot as the origination industry's viability is diminished with each passing hour. |
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HollywoodLO
261 Posts |
Posted - 05/28/2008 : 08:02:37 AM
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| Buddy boy...OHIO requires a FEDERAL background check and fingerprinting. Maybe you should do some research before you post trying to flame someone that actually knows what they are talking about. :) |
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HollywoodLO
261 Posts |
Posted - 05/28/2008 : 08:10:14 AM
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| And that means....? |
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 10:20:34 AM
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| lets see now either you can't read too good or understand, either way. I understand states have individual background checks ,even federally. we are talking about 1 database housing all the states , hope you understand this guys. |
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ski2313
749 Posts |
Posted - 05/28/2008 : 10:44:52 AM
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My fingerprints are already on file with the FBI from when I worked at a nuclear plant.. No big deal to me either way!
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HollywoodLO
261 Posts |
Posted - 05/28/2008 : 10:51:06 AM
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I guess I can't read "good."
P.S. You weren't an English major, were you there, Homer? |
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Jonas
508 Posts |
Posted - 05/28/2008 : 11:17:12 AM
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quote:
Originally posted by goodapproval1234
If you read my post clearly you will see we don't have to hide anything. I am though talking about bigger government, which in many cases not a good thing. As well as privacy rights for all involved even the customer. I think this will hurt the industry overall. Like I said states can do what they want , but when all the states link with a federal system it is no good. Leading to more problems, if not why is the government and economy/deficit in such bad shape today. Fingerprints in each state fine, but a big brother situation is a big mess. thankyou
"We"? As in an organization? |
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woc47
39 Posts |
Posted - 05/28/2008 : 11:24:23 AM
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| fingerprint away, most of us have nothing to hide only the shady characters do! |
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fsboguy
3664 Posts |
Posted - 05/28/2008 : 11:36:52 AM
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| Hey it's chicken little with the sky is falling finger print post again. If you don't see why finger printing is needed, please leave the industry. What do you have to hide anyway? I've been getting printed and an FBI check every two years now for nearly 8 years. |
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 6:03:59 PM
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| I tell you most of the posters being soo immature and uneducated. Forget the fingerprinting , they should ban you guys from dealing with people's information. You don't seem too mature, especially when you repeat the same rants and don't read responses. |
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jladarski
111 Posts |
Posted - 05/28/2008 : 6:20:06 PM
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quote:
Originally posted by woc47
fingerprint away, most of us have nothing to hide only the shady characters do!
Amen, get them out so the rest of us have more loans to do!!!! |
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 6:23:20 PM
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| thankyou, thankyou, thankyou very much, in the words of elvis |
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KHufford
5993 Posts |
Posted - 05/28/2008 : 6:24:10 PM
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quote:
Originally posted by jladarski
quote:
Originally posted by woc47
fingerprint away, most of us have nothing to hide only the shady characters do!
Amen, get them out so the rest of us have more loans to do!!!!
Thats not the OP's point. Its not about hiding its the Gov taking knee jerk reactions and overstepping bounds....whats next, DNA samples? Drug tests every week for brokers? Make us run a mile in under 6 mins? ...
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 6:28:25 PM
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| thankyou Mr. hufford somebody who finally understands, now everybody call and email the senators on the list in the morning , thx much! |
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jladarski
111 Posts |
Posted - 05/28/2008 : 6:30:39 PM
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quote:
Originally posted by KHufford
quote:
Originally posted by jladarski
quote:
Originally posted by woc47
fingerprint away, most of us have nothing to hide only the shady characters do!
Amen, get them out so the rest of us have more loans to do!!!!
Thats not the OP's point. Its not about hiding its the Gov taking knee jerk reactions and overstepping bounds....whats next, DNA samples? Drug tests every week for brokers? Make us run a mile in under 6 mins? ...
I completely understand what you're saying, there's no need to overstep boudaries. However I think most people on here would be in agreeance that some sort of regulation state or federral in the mortgage industry is warranted after what we've seen the past few years. Stock brokers have it, realtors have it, why don't LO's yet? |
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Mandyvilla
3447 Posts |
Posted - 05/28/2008 : 6:30:50 PM
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| Would the OP be a Ron Paul supporter, by chance? |
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dc62
279 Posts |
Posted - 05/28/2008 : 6:31:58 PM
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| I think the logic behind those supporting fingerprinting is dangerous. "What do you have to hide? Only fraudsters, etc. would object to fingerprinting." Let's extend that to providing the government with access to your personal phone records; the books you read; hell, let's let them search our homes. After all, of you're not doing anything wrong, what are you afraid of? Someone please explain to me what the possible use a fingerprint database of mortgage originators will have in combatting fraud. |
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goodapproval1234
36 Posts |
Posted - 05/28/2008 : 6:40:53 PM
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| I do like ron paul, he was not my first choice, but do think somethings he states are solid. The other 2 running are certainly no pearls. |
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homer5
363 Posts |
Posted - 05/28/2008 : 7:09:50 PM
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quote:
Originally posted by HollywoodLO
I guess I can't read "good."
P.S. You weren't an English major, were you there, Homer?
What the hell are you talking about? |
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KHufford
5993 Posts |
Posted - 05/28/2008 : 7:11:39 PM
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quote:
Originally posted by homer5
quote:
Originally posted by HollywoodLO
I guess I can't read "good."
P.S. You weren't an English major, were you there, Homer?
What the hell are you talking about?
Read "well"
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 06:15:07 AM
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| hope you guys all looked into this thx much!!!! |
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johnnyboy38109
3057 Posts |
Posted - 05/29/2008 : 06:22:24 AM
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quote:
Originally posted by goodapproval1234
If you read my post clearly you will see we don't have to hide anything. I am though talking about bigger government, which in many cases not a good thing. As well as privacy rights for all involved even the customer. I think this will hurt the industry overall. Like I said states can do what they want , but when all the states link with a federal system it is no good. Leading to more problems, if not why is the government and economy/deficit in such bad shape today. Fingerprints in each state fine, but a big brother situation is a big mess. thankyou
Your assertions are absurd.
You lean on this government you have so much disdain for in order to close your deals, yet you dont want to participate in the oversight.
If you dont want to give up fingerprints, dont use Freddie or Fannie or FHA. Stick with private investors.
You'll forgive me being plainspoken, but your arguments are without any merit. |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 07:15:58 AM
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| your argument is weak and not backed up by much. all you guys on this board say is absurd and crazy. thats weak thx |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 07:18:19 AM
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| btw who says, consultant author broker at the end of their posted, come on now a little much , that should be checked out like fingerprints. |
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HollywoodLO
261 Posts |
Posted - 05/29/2008 : 07:48:31 AM
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quote:
Originally posted by homer5
quote:
Originally posted by HollywoodLO
I guess I can't read "good."
P.S. You weren't an English major, were you there, Homer?
What the hell are you talking about?
Wow, I had no idea there was a Homer on the board. I was referring to Homer who wrote "The Iliad." I tried D*i*c*k*ens, but it got filtered. Sorry about that mate. |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 09:35:32 AM
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| ok |
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Jonas
508 Posts |
Posted - 05/29/2008 : 09:50:52 AM
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quote:
Originally posted by HollywoodLO
quote:
Originally posted by homer5
quote:
Originally posted by HollywoodLO
I guess I can't read "good."
P.S. You weren't an English major, were you there, Homer?
What the hell are you talking about?
Wow, I had no idea there was a Homer on the board. I was referring to Homer who wrote "The Iliad." I tried D*i*c*k*ens, but it got filtered. Sorry about that mate.
Hilarious. I can picture Homer5 roaming the topics, and to his surprise, BAM! He's called out on his diction. LOL |
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homer5
363 Posts |
Posted - 05/29/2008 : 09:51:09 AM
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quote:
Originally posted by HollywoodLO
quote:
Originally posted by homer5
quote:
Originally posted by HollywoodLO
I guess I can't read "good."
P.S. You weren't an English major, were you there, Homer?
What the hell are you talking about?
Wow, I had no idea there was a Homer on the board. I was referring to Homer who wrote "The Iliad." I tried D*i*c*k*ens, but it got filtered. Sorry about that mate.
Oh, LOL, cool... |
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pbrymer
80 Posts |
Posted - 05/29/2008 : 10:50:25 AM
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| oh i wish i had fingerprints.... what if i lost my finger tips? do we move on to toeprints? |
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Xanthan Gum
953 Posts |
Posted - 05/29/2008 : 11:13:50 AM
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| This thread title is nothing but hyperbole. |
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rdcurry
406 Posts |
Posted - 05/29/2008 : 11:21:40 AM
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How can fingerprints be used fraudulently ?, I don't see that as
a big a problem as accounts numbers, SSN's, etc. |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 5:20:45 PM
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| read online articles on cnet etc. |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 5:52:42 PM
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| did you guys read the articles, then you will see thx !!!!!!!!!!!!!! |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 8:37:57 PM
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| ok |
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fsboguy
3664 Posts |
Posted - 05/29/2008 : 8:51:59 PM
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| You already have this same thread going on a couple of sites. WE DON'T CARE ABOUT YOUR ISSUE. It's obvious from the same responses that FINGER PRINTING IS A GOOD THING. You obviously have something to hide. So, please leave the industry if you can't handle being identified. Did you protest the DMV when they took your pic for your drivers license? Please don't even reply to this post. It is useless. |
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goodapproval1234
36 Posts |
Posted - 05/29/2008 : 9:13:33 PM
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| REAL THE ARTICLES , BE EDUCATED, STOP WORRYING ABOUT WHAT PEOPLE POST, AND READ THE ARTICLES ABOVE WHY YOU SHOULD BE WORRIED ABOUT GOVERNMENT RUNNING EVERYTHING, NOBODY IS SAYING WE SHOULD BE WORRIED ABOUT FINGERPRINTING, WE ARE TALKING ABOUT SAFEKEEPING OF DATA, FUTURE CUSTOMER FINGERPRINTING , AND TOO MUCH GOVERNMENT. THKSSSSS |
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goodapproval1234
36 Posts |
Posted - 05/30/2008 : 05:02:24 AM
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| thankyou |
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goodapproval1234
36 Posts |
Posted - 05/30/2008 : 08:12:17 AM
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| thx |
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RGK2394
1224 Posts |
Posted - 05/30/2008 : 08:24:58 AM
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quote:
Originally posted by dc62
I think the logic behind those supporting fingerprinting is dangerous. "What do you have to hide? Only fraudsters, etc. would object to fingerprinting." Let's extend that to providing the government with access to your personal phone records; the books you read; hell, let's let them search our homes. After all, of you're not doing anything wrong, what are you afraid of? Someone please explain to me what the possible use a fingerprint database of mortgage originators will have in combatting fraud.
Spot on! |
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RGK2394
1224 Posts |
Posted - 05/30/2008 : 08:25:33 AM
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quote:
Originally posted by VVance
quote:
Originally posted by mwfan55
Fingerprints are a great idea ! CA already has them !
It's true. Look at the results in CA. No high default rates, no foreclosures and no fraud.
Couldn't have said it better myself. |
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goodapproval1234
36 Posts |
Posted - 05/30/2008 : 10:07:48 AM
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| now you got it !!!!!!!!!!!!! |
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goodapproval1234
36 Posts |
Posted - 05/30/2008 : 4:46:46 PM
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| spot on is right! |
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goodapproval1234
36 Posts |
Posted - 05/31/2008 : 09:12:23 AM
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| shahzzbot |
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