Steve Czaban is an American sports radio personality. Czaban hosts The Steve Czaban Show on 97.3 The Game. He also formerly hosted The Steve Czaban Show on Yahoo! Sports Radio and formerly hosted a daily sports segment for Bob &Brian. He was previously featured on Fox Sports Radio.
The Home Mortgage Disclosure Act is a United States federal law that requires certain financial institutions to provide mortgage data to the public. Congress enacted HMDA in 1975.
The Real Estate Settlement Procedures Act (RESPA) was a law passed by the United States Congress in 1974 and codified as Title 12,Chapter 27 of the United States Code,12 U.S.C. §§ 2601–2617. The main objective was to protect homeowners by assisting them in becoming better educated while shopping for real estate services,and eliminating kickbacks and referral fees which add unnecessary costs to settlement services. RESPA requires lenders and others involved in mortgage lending to provide borrowers with pertinent and timely disclosures regarding the nature and costs of a real estate settlement process. RESPA was also designed to prohibit potentially abusive practices such as kickbacks and referral fees,the practice of dual tracking,and imposes limitations on the use of escrow accounts.
The Federal Housing Finance Board (FHFB) was an independent agency of the United States government established in 1989 in the aftermath of the savings and loan crisis to take over management of the Federal Home Loan Banks from the Federal Home Loan Bank Board (FHLBB),and was superseded by the Federal Housing Finance Agency (FHFA) in 2008.
Darren Gersh was the Washington,D.C. bureau chief for the PBS show,Nightly Business Report from 1995 through 2013. He made the move to public service when he joined the Consumer Financial Protection Bureau on June 3,2013. While at the CFPB,Gersh was the Senior Financial Education Campaign Coordinator,where he was responsible for developing the new educational campaign for mortgage consumers and intermediaries. He is currently a Senior Media Relations Specialist for the Federal Reserve.
Fulton Financial Corporation is a U.S. regional financial services holding company,headquartered in Lancaster,Pennsylvania.
The PHH Corporation is an American financial services corporation headquartered in Mount Laurel,New Jersey which provides mortgage services to some of the world's largest financial services firms. PHH is the biggest U.S. outsourcer of home loans,processes and originates mortgages on behalf of small banks and some of the world's largest financial firms,including Morgan Stanley and HSBC Holdings Plc. On October 4,2018 Ocwen Financial completed its acquisition of PHH Corporation and PHH is now a wholly owned subsidiary of Ocwen Financial Corp.
The National Association of Federally-Insured Credit Unions (NAFCU) is a U.S. trade organization representing the nation's federally-insured credit unions. The NAFCU hosts conferences,publishes original research on issues relating to the credit union industry,and provides testimony before the United States Congress on issues relating to credit unions and the financial services industry.
The Center for Responsible Lending (CRL) is a nonprofit organization research and policy group based in Durham,North Carolina. Its stated purpose is to educate the public about financial products and to push for policies that curb predatory lending. On its website and elsewhere,CRL describes its mission as that of "protecting homeownership and family wealth by working to eliminate abusive financial practices." CRL is affiliated with the Center for Community Self-Help.
The Consumer Financial Protection Bureau (CFPB) is an agency of the United States government responsible for consumer protection in the financial sector. CFPB's jurisdiction includes banks,credit unions,securities firms,payday lenders,mortgage-servicing operations,foreclosure relief services,debt collectors,and other financial companies operating in the United States. Since its founding,the CFPB has used technology tools to monitor how financial entities used social media and algorithms to target consumers.
Rajeev V. Date is an American businessman,attorney,and venture capital investor who served as Deputy Director and Special Advisor for the United States Consumer Financial Protection Bureau. He had previously served in a variety of leadership positions at the Bureau,including several months as the startup agency's leader,as the Special Advisor to the United States Secretary of the Treasury. He is credited with guiding the Consumer Financial Protection Bureau's early strategic,operational,and policy initiatives.
We Can't Wait is a policy initiative launched by the U.S. President Barack Obama's administration in October 2011 to institute policies by executive orders,administrative rulemaking,and recess appointments. The initiative was developed in response to the United States Congress' unwillingness to pass economic legislation proposed by Obama,and conflicts in Congress during the 2011 debt ceiling crisis.
The Consumer Financial Protection Safety and Soundness Improvement Act of 2013 is a bill that would restructure the Consumer Financial Protection Bureau (CFPB) by transforming it into a five-person commission and removing it from the Federal Reserve System. The CFPB would be renamed the "Financial Product Safety Commission." This bill is also intended to make overturning the decisions about regulations that the new commission makes easier to do.
The California Department of Financial Protection and Innovation (DFPI),formerly the Department of Business Oversight (DBO),regulates a variety of financial services,businesses,products,and professionals. The department operates under the California Business,Consumer Services and Housing Agency.
The CFPB Rural Designation Petition and Correction Act is a bill that would amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to direct the Consumer Financial Protection Bureau (CFPB) to establish an application process that would allow a person to get their county designated as "rural" for purposes of a federal consumer financial law. One practical effect of having a county designated "rural" is that people can qualify for some types of mortgages by getting them exempted from the CFPB's qualified mortgage rule.
Leandra English is an American political advisor serving as an advisor to the Superintendent of the New York State Department of Financial Services. She formerly was the Deputy Director of the Consumer Financial Protection Bureau (CFPB) from 2017 until her resignation in 2018. She was the plaintiff in the lawsuit English v. Trump,in which she unsuccessfully sought to have herself acknowledged as Acting Director of the CFPB.
David M. Silberman is an American government administrator who served as the Associate Director for Research,Markets,and Regulation at the Consumer Financial Protection Bureau. Silberman also previously served as the agency's Acting Deputy Director,until the appointment of Leandra English to the office.
Leandra English v. Donald Trump,et al.,No. 1:17-cv-02534,was a lawsuit before the United States District Court for the District of Columbia. The plaintiff,Leandra English,alleged that the defendants,Donald Trump and Mick Mulvaney,violated 12 U.S.C. §5491(b)(5)(B),a component of the Dodd–Frank Act of 2010,when President Trump appointed Mulvaney to be Acting Director of the Consumer Financial Protection Bureau (CFPB).
Rohit Chopra is an American consumer advocate who is the 3rd director of the Consumer Financial Protection Bureau and previous member of the Federal Trade Commission (FTC). Prior to this,Chopra served as Assistant Director of the Consumer Financial Protection Bureau (CFPB),a federal agency tasked with consumer protection in the financial sector. Chopra also served within the CFPB as the agency's first Student Loan Ombudsman,an office created by the Dodd–Frank Act.
Collins v. Yellen,594 U.S. ___ (2021),was a United States Supreme Court case dealing with the structure of the Federal Housing Finance Agency (FHFA). The case follows on the Court's prior ruling in Seila Law LLC v. Consumer Financial Protection Bureau,which found that the establishing structure of the Consumer Financial Protection Bureau (CFPB),with a single director who could only be removed from office "for cause",violated the separation of powers;the FHFA shares a similar structure as the CFPB. The case extends the legal challenge to the federal takeover of Fannie Mae and Freddie Mac in 2008.
