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GitHub blocks public access to youtube-dl after RIAA issues DMCA notice

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Monday, October 26, 2020

On Friday, code hosting and sharing website GitHub blocked the public access to youtube-dl, a software which can download videos from the internet via the command-line. The blockade came after GitHub received a Digital Millennium Copyright Act (DMCA) take-down notice from the Recording Industry Association of America (RIAA). After stripping the metadata from the notice, GitHub published the take-down notice on their site.

Initially started in July 2008 by Ricardo Garcia, youtube-dl is a script written in Python which can download videos from multiple websites including YouTube, LiveLeak and Vimeo. youtube-dl is a FLOSS software and is under public domain. Currently, the repository on GitHub is locked for viewers other than maintainers of the project.

RIAA’s DMCA notice alleged the script’s purpose of existence was to “circumvent the technological protection measures used by authorized streaming services such as YouTube” and “reproduce and distribute music videos and sound recordings owned by our member companies without authorization for such use”.

youtube-dl has multiple unit tests in its source code, which test whether the software works in different circumstances or not. Some of the tests include checking if the script can download Creative Commons licensed videos, videos which did not have square pixels, videos with no age restriction, “offensive to some audiences” per YouTube community and age-restricted videos. One of the tests included the URL of some copyrighted songs. Citing this test, RIAA’s take-down notice claimed “comments in the youtube-dl source code make clear that the source code was designed and is marketed for the purpose of circumventing YouTube’s technological measures”.

RIAA’s notice published by GitHub alleged violation of 17 U.S. Code § 1201 Circumvention of copyright protection systems which says “No person shall circumvent a technological measure that effectively controls access to a work protected under this title”. RIAA listed a number of forks of youtube-dl and requested GitHub via the notice they all be made inaccessible.

The notice did not list any incident of anyone using youtube-dl to download or share copyrighted material, nor mention any damages that actually occurred. Unremarked by the notice, YouTube allows videos to be licensed under a Creative Commons Attribution license. When a copyright holder chooses to release their work, be it a photograph, a video, or audio, under a Creative Commons Attribution (CC BY) license, they allow everyone to freely own, share or modify the work as long as the reusers properly attribute the author of the work. YouTube also hosts many audio and video recordings in the public domain which can be used for any purpose without any restrictions.

youtube-dl is used by thousands of people around the world. Multiple Creative Commons-licensed and public domain videos on Wikimedia Commons are uploaded via a tool called video2commons, which relies on youtube-dl to download media. youtube-dl also lets users download videos from LiveLeak — a video-sharing platform for citizen journalism. Videos downloaded using youtube-dl are also used for the purpose of fair use, or for evidence.

youtube-dl comes with a small JavaScript interpreter where it acts as a web-browser would behave while receiving video data from the server. The script has “extractors” for various websites to handle videos from different sources. Whenever something is displayed on the user’s screen, the device has a copy of that content. Web browsers “download” data while surfing the web, though most of it is not persistent on the device. It is possible to download copyrighted photos by using a web-browser. The way the world wide web works, there are no technological prevention measures to prevent recording and sharing of content such as RIAA talks about in the notice. Photos and texts can be downloaded by taking screenshots, videos by screen recording tools, and audio by recording on a tape if not an audio recording software.

Multiple users expressed their disappointment on Twitter and Internet Relay Chat. One of the users said “this is yet another example of why we should use git as it was intended, as a distributed network, rather than rely on one single proprietary server”. Git is decentralised version-tracking software which is used by a large number of software companies and projects. It is possible to host one’s own git server for software development. While Microsoft’s GitHub is a centralised git server, development of software using git does not require a GitHub account.

Soon after the public access to the repository was locked, multiple users started sharing the source code via self-hosted git servers, Tor sites and via the Torrent protocol leading to a Streisand effect. Streisand effect is when a measure to censor information causes further spread of that information. The binary files of the software are still available on its website for users to download. Some people came up with esoteric ways to share the source code, by converting the compressed code into photographs and providing shell commands to convert to the source code.

GitHub’s DMCA repository, where the takedown notice was published for public viewing, was subject to contant vandalism from multiple GitHub users. One user submitted a pull request, merging the source code of youtube-dl along with the DMCA repository. This enabled users to view youtube-dl’s source code from within the DMCA repository, provided they know the commit id.

The Electronic Frontier Foundation said on Twitter “Youtube-dl is a legitimate tool with a world of a lawful uses. Demanding its removal from Github is a disappointing and counterproductive move by the RIAA.” Richard Stallman, the founder of the Free Software Foundation, has been highly critical of DRM (digital rights management, the subject of the DMCA) for many years now.

Wikinews reached out to Sergey M?, one of the maintainers of youtube-dl script, however Sergey said he “won’t give any comments at this time”. Later, he shared an update on the IRC channel. Sergey said, “they require complete removal of so called YouTube’s rolling cipher implementation […] GitHub requires in order to reinstate the repo […] under this conditions I could reinstate it in Saturday/Sunday already but this is an unsatisfactory outcome”. He also said, “I can’t guarantee whether [or] not we will bend over them considering the situation with @phihag [Philipp Hagemeister] but we’ll see soon what we can do in order to keep the max we have and mitigate potential legal issues at the same time”.

EFF is yet to respond to Wikinews queries. Wikinews also reached out to Philipp Hagemeister, a former maintainer and contributor of the youtube-dl project to discuss this takedown.

When did you get to know about the takedown notice and what were your initial reactions?

((Philipp Hagemeister)) I saw the takedown notice along with anyone else, on reddit. Since I am no longer involved with the youtube-dl project (except for occasional contributions, my maintainership ended in 2016), I don’t know any details.

((RS)) Does YouTube implement DRM for videos not under Creative Commons license, and if so, how does youtube-dl bypass it? Could you please elaborate the procedure?

((Philipp Hagemeister)) YouTube implements DRM for YouTube Movies. youtube-dl does not support those.

YouTube has multiple non-DRM video delivery protocols. I’m not up to date about specifics; my last dabbling in this was in 2015.

One of these protocols is described here. YouTube uses JavaScript to compute parts of the URLs. youtube-dl executes this JavaScript, just like a web browser.

((WN)) Could you also explain in brief how youtube-dl functions, and how the maintainers had intended it to be used?

((Philipp Hagemeister)) youtube-dl downloads and plays videos and music, just like any other web browser, from over 1000 different services. Its uses are varied: It enables video playback on many devices (e.g. Raspberry Pi) where the video services don’t work properly, it makes high-quality video playable for people with a bad or no Internet connection, it enables disabled users to use tools to play videos, and it is used for archival and research.

((WN)) What do you think of the DMCA notice?

((Philipp Hagemeister)) I think it is not warranted because youtube-dl is entirely legal. As the DMCA notice has no effect for me personally, I’m not really the right person to address it.

((WN)) Why were the copyrighted tests in the source code? Could they be replaced?

((Philipp Hagemeister)) I’m not sure why, but my guess is that users requested support for these videos and thus they were added as test cases. They can be removed trivially, without losing any function of youtube-dl.

((WN)) Are you aware Electronic Frontier Foundation said it was a “disappointing and counterproductive move”? What do you think should be the next steps?

((Philipp Hagemeister)) Yes, and I concur. I’m no longer involved in the project. If I were, I would probably just remove the test cases, block these music videos (RIAA is not worth the trouble for me, that can be done by other projects), and get the project back online.I understand people who think differently.

Retrieved from “https://en.wikinews.org/w/index.php?title=GitHub_blocks_public_access_to_youtube-dl_after_RIAA_issues_DMCA_notice&oldid=4598392”
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Sub-prime lenders send jitters through global markets

Tuesday, March 13, 2007

Just two weeks after China sent global markets into a tumble, growing worries about sub-prime mortgage lenders in the United States are sending jitters through stock exchanges around the globe. The three major US stock market indices each fell two percent from Monday’s closing price, marking the second-biggest loss of 2007. London’s FTSE 100, Paris’ CAC 40 and Frankfurt’s DAX 30 indices each closed down more than 1 percent.

As the Mortgage Bankers Association reported that late payments on mortgages and home foreclosures in the US homes rose in the fourth quarter to their highest level in years, investors are concerned that not only US banks but also multi-national banks around the globe could have exposure.

More than two dozen sub-prime lenders have closed or sold operations as defaults on those mortgages have risen. “The delinquencies and defaults have started to soar,” said Nicolas Retsinas, director of Housing Studies at Harvard University. “A lot of these lenders started to make loans and lost track of some of the fundamentals.”

New Century Financial Corporation, the second largest sub-prime lender in the US, has recently revealed that its creditors were no longer providing funds and, further, it has become subject of an SEC investigation. The New York Stock Exchange has said it will delist New Century. Accredited Home Loan Lending, another major sub-prime mortgage specialist, said it was seeking fresh capital and waivers on its lending covenants.

Sub-prime lenders provide mortgages to people who do not qualify for loans from mainstream lenders, typically due to their credit histories. The lenders then bundle these mortgages as collateral for loans that they obtain from other financing firms, such as GMAC. Such firms can then repackage these loans and sell them as mortgage-backed securities. These securities may end up in the hands of major multi-national banks such as Citibank, HSBC, and Commerzbank. Each level of lending assumes a level of financial risk, but trouble can arise when the risk tolerances are exceeded. If too many homeowners default on their mortgages, the sub-prime lender can end up defaulting. If too many of these lenders default, as it is feared may be happening now, the defaults can cascade upward. While no one is predicting major bank failures at this point, it is feared that their profits could be hurt.

Retrieved from “https://en.wikinews.org/w/index.php?title=Sub-prime_lenders_send_jitters_through_global_markets&oldid=1556193”
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UK chancellor raises national insurance payments for self employed in new budget

Friday, March 10, 2017

UK chancellor Philip Hammond announced his 2017 budget on Wednesday, which included a £2 billion pledge to social care and a tax hike on the self-employed. It was accused of breaking Conservative Party manifesto promises.

It was announced there will be a 2% increase in national insurance contributions for the self-employed, with chancellor Philip Hammond citing worries that people were choosing to become self-employed in order to pay lower taxes and his perception of unfairness in the different rates paid by employees and self-employees. There were accusations this change in policy goes against the manifesto promises the Conservative Party ran on in 2015, which promised four times that there would be no increase in national insurance rates. Conservative MP Anna Soubry tweeted saying she believed these new measures would be unpopular as many would see them as unfair. The leader of the opposition, Jeremy Corbyn, claimed the new measures will not clamp down on people whose self-employment is just for tax benefits, instead causing problems for those legitimately self-employed, arguing that if they are to start paying similar tax rates to the employed then they should get rights such as statutory maternity pay. The think tank Resolution claimed, however, this increase is outweighed by other government policies and is, therefore, a good move.

In addition to this, the chancellor announced a £2 billion pledge to social care over the next three years, saying he was aware of the stress the ageing population is having on the NHS and social care. Liberal Democrat Norman Lamb described the amount as “wholly inadequate”, saying much more is needed to pay for an increase in care demands due to the ageing population. The lowest threshold at which shareholders pay dividend taxes is to be lowered from £5,000 to £2,000 claiming that the taxes for dividends provided “an extremely generous tax break for investors with substantial share portfolios”. Other budget announcements include an additional £325 million for the NHS, £90 million transport spending for the North of England, £20 million to support campaigning against violence against girls and women and a slight increase in funding for the devolved governments.

Retrieved from “https://en.wikinews.org/w/index.php?title=UK_chancellor_raises_national_insurance_payments_for_self_employed_in_new_budget&oldid=4627212”
Accounting Firm

Credit Card Charge Off What Does It Mean And What Should You Do About It?

By Charles Phelan

Have you been told by a creditor that your debt is about to “charge-off”? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you’re behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded “charge-off.” So what is a charge-off anyway? Should you be worried? What are the consequences of this mysterious event?

I’ll start by explaining what a charge-off is NOT. Because the term includes the word “charge,” many people mistakenly think it has to do with cancellation of the account by the creditor. In other words, you can’t “charge” anything on your credit card anymore. But it’s not the same thing at all, and most banks will revoke charging privileges around 2-3 months before the deadline we’re talking about here.

What banks and bill collectors call a “charge-off” is the point at which the creditor writes off the account balance as a “bad debt.” It usually happens after six months of non-payment. After that, they no longer count it on their books as an asset. You still owe the money, of course. And they will certainly make continued attempts to collect it from you. But the creditor has been forced by the rules of accounting to zero out the debt on their financial ledgers. For causing this loss, they will punish you by placing a derogatory mark on your credit report. A “charge-off” is a serious negative mark, to be sure, but it is not the financial ruination that debt collectors would like to have you believe it is.

Should charge-offs be avoided if possible? Certainly. Does the prospect of a charge-off mean you should panic if you have no way to pay the bill? No! Is it the end of the world if the account has already charged off? No! Too often, bill collectors make a charge-off sound so bad, and they apply so much pressure, that people cave in and make payment commitments they cannot keep. Collectors usually demand payment via post-dated checks, and this frequently leads to bounced checks and even worse financial problems. Most of us are brainwashed by the banks and media on the subject of credit. Sure, good credit is important. But committing to payments you really can’t afford just to preserve your credit is like watering the lawn while your house is burning down.

Here are a few simple rules to follow when trying to avoid a charge-off that hasn’t happened yet:

[youtube]http://www.youtube.com/watch?v=JY0jvrghEx0[/youtube]

* Don’t be intimidated or threatened by pre-charge-off collection tactics. Keep a cool head and don’t take it personally when collectors try to get under your skin.

* Call your creditor to find out the minimum payment necessary to avoid the charge-off, and subsequent payments to keep the account current going forward. Don’t commit to this payment (or series of payments) unless you’re sure you can follow through.

* Negotiate a lump-sum settlement at 50% or less if you have the resources, or a workout plan for monthly payments that you can live with.

* Do not allow bill collectors to talk you into using post-dated checks, or providing your checking account details over the telephone. Instead, make payments via cashier’s check or money order.

* Do not make payments based on a verbal arrangement. Get the deal in writing and signed by a creditor representative who has authority to approve the workout plan.

What should you do if you simply don’t have the money to rescue the account from charge-off, or if the account has already been charged off by the creditor?

* Take a deep breath and relax; the sky won’t fall on your head just because you had a charge-off.

* Realize that you still have an opportunity to resolve the matter by dealing with the original creditor or the collection agency assigned to the account.

* Negotiate a lump-sum settlement with the creditor or collection agency. Again, aim for 50% or less, and ask for the charge-off to be deleted from your credit report as a condition of the settlement. (Most creditors will not agree to this, but it’s worth asking anyway. Do be sure that they will update your credit report to show that the matter has been resolved and the account has been satisfied.)

* If you can’t work out a deal with the collection agency assigned to your account, then wait until it goes to another agency! Eventually, it will either be assigned or sold to an outfit that you can deal with to get the matter cleared up.

To sum up, a charge-off is not the end of the world. It should certainly be avoided if possible, but not at the risk of making things worse by committing to payments you’re not sure you can keep up with. Just remember that the creditor doesn’t want to see a charge-off any more than you do, so use that knowledge to your advantage in working out a mutually acceptable arrangement. Get everything in writing, don’t disclose your checking account details, and follow up to make sure the creditor reports the matter correctly on your credit report. You’ll find that it’s easier than you think to resolve a charge-off situation before it happens, or clean it up if it’s already taken place.

About the Author: Charles J. Phelan has been helping people become debt-free without bankruptcy since 1997. A former executive in the debt settlement industry, he teaches the do-it-yourself method of debt negotiation. Audio-CD material plus expert personal coaching helps consumers achieve professional results at a fraction of the cost.

zipdebt.com

Source:

isnare.com

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Continental and United Airlines shareholders approve merger

Saturday, September 18, 2010

United Airlines and Continental Airlines shareholders yesterday approved a US$3.2 billion merger that would create the world’s largest airline. 98% of shareholders approved of the deal.

In the deal, United stockholders will hold 55% of the company, while Continental stockholders will get 1.05 new shares for each Continental share and will hold the remaining 45% of the company. The deal was earlier approved by United States antitrust regulators. The new company, which keeps United’s name but Continental’s globe logo, has little overlap in its route network, and will be headed by Continental CEO Jeff Smisek.

The new company surpasses rival Delta Air Lines, which merged only a year ago, to become the world’s largest.

The airlines expect to complete the merger by October 1 of this year, and customers can expect to see major changes in spring 2011, when the new United will rebrand their kiosks, worker uniforms and airplanes. The new company is calling the day when they rebrand “Customer Day One”.

“Our stockholders recognized the value of bringing together Continental and United to create a platform for increased profitability and sustainable, long-term growth,” Smisek announced after the merger.

Some analysts agree. “No further obstacles to the merger are likely at this point,” Jim Corridore, Standard & Poor’s equity analyst, said to investors. Corridore also said that “we are positive on the planned merger, which we think creates an extremely strong global route network with opportunities for cost and revenue synergies.”

Other people were less positive about the merger. Rick Seaney, CEO of FareCompare.com, said that “losing a major competitor is likely to make prices rise — all things equal on the economy and fuel prices.” Also, a lawsuit in California accusing the merger of monopolizing the market and raising fares has been filed by lawyer Joseph Alioto, who claims that he represents consumers. United and Continental have defended themselves against accusations of monopolizing the airline industry by stating that they compete with low-cost carriers such as Southwest Airlines on three quarters of their US network. The airlines have also said that the low overlap and the low-cost competition will bring fares to heel.

Retrieved from “https://en.wikinews.org/w/index.php?title=Continental_and_United_Airlines_shareholders_approve_merger&oldid=1735760”
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US clinic plans first face transplant

Tuesday, September 20, 2005

US doctors are to interview 12 patients with a view to performing the first ever transplant of a human face.

The Cleveland Clinic will choose between seven women and five men to find the person most suited for the experimental procedure, which is a radical and controversial solution to extreme facial scarring or disfigurement.

Having practiced the procedure on bodies donated for medical research, the Cleveland Clinic team believe they have a 50% chance of success. The procedure will not live up to science-fiction predictions and give the recipient the appearance of the donor; the underlying bone structure is the deciding factor in the final appearance. The new face will end up resembling neither the donor nor recipient.

Surgeons in several other countries have announced being ready to perform this procedure in the past. However, the risk and non life-threatening nature of disfigurement have meant that gaining approval for the groundbreaking surgery has been difficult. Like many other transplant operations, the recipient would be required to take drugs to prevent tissue rejection for the remainder of their life. These drugs can have side effects and carry their own risks involving the patient’s immune system.

Retrieved from “https://en.wikinews.org/w/index.php?title=US_clinic_plans_first_face_transplant&oldid=440713”
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On the campaign trail in the USA, October 2020

Monday, November 2, 2020

The following is the sixth and final edition of a monthly series chronicling the 2020 United States presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

This month’s spotlight on the campaign trail: the Free and Equal Elections Foundation holds two presidential debates, three candidates who did not participate in those debates give their final pleas to voters, and three political pundits give their predictions on the outcome of the election.

Retrieved from “https://en.wikinews.org/w/index.php?title=On_the_campaign_trail_in_the_USA,_October_2020&oldid=4650213”
Bird And Pest Control Products

When To Ask A Veterinarian

Submitted by: Roger Welton

Cats and dogs can be surprisingly communicative with their owners, and pet lovers will often have a way of knowing when their animal companion wants to go for a walk or is thirsty or hungry. It may some as a surprise, however, that animals don t always let people know when they are feeling under the weather.

In fact, for dogs especially, showing weakness or signs of illness can be a sign of weakness. Because they are descended from wolves, dogs often hesitate to show this weakness for fear that the pack will abandon or turn on them as a result of their infirmity. Although dogs have been bred and domesticated for generations, some believe that a portion of this dislike for showing weakness remains strong today. This may help to explain why dogs often don t indicate to their owners that something is wrong until there is a big health problem.

Because animals may not show obvious signs of illness and because they can t talk or tell their owners what is going on, it is very important that pet owners be watchful of potential problems. It is also important that pet owners know the signs that something might be wrong and that they learn when to ask a veterinarian about behaviors they are seeing.

[youtube]http://www.youtube.com/watch?v=NKoJ8jYgVSw[/youtube]

When to Ask a Veterinarian

Although every animal is different, it is important to ask a veterinarian what is going on with your pet when your dog or cat is acting out of sorts for a lingering period of time. For instance, if your animal is lethargic, not eating or not interested in activities that he or she normally enjoys, you should considering speaking to a veterinarian to find out if there is some reason for the behavior. The longer your animal goes acting tired or refusing to eat or do routine activities, the more important it becomes to ask a veterinarian what is going on.

If your cat or dog is limping or favoring one let or paw, it may also be important to ask a veterinarian what is going on. Discomfort and problems walking can have a host of causes- some simple like simply getting something stuck in the paw pad and others more complicated and serious like arthritis or hip dysplasia. When the problems begin to become apparent, it is likely that your animal is really experiencing discomfort since the dog or cat may try to hide the difficulty for a while. As such, you should usually take action right away.

Excessive licking is another sign that you should consider speaking with a vet about what is going on. When a dog is licking itself repeatedly, this can be a sign of an allergic reaction or of a skin condition such as mange. Cats who like too often, on the other hand, may give themselves hairballs that can cause digestive issues.

These are just a few examples of situations where it can become important to ask a veterinarian what is going on. If you see any behavior out of the ordinary, you should consider having your animal checked. It may also be advisable to ask a vet online first about behaviors that you are seeing since a licensed and qualified online vet can help you to determine if behavior you are seeing is worth worrying about or not.

About the Author: Learn more about Ask a Veterinarian and Veterinarian Questions at

web-dvm.net/

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Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.

Retrieved from “https://en.wikinews.org/w/index.php?title=Bank_of_America_leads_Consumer_Financial_Protection_Bureau_complaints_about_mortgages&oldid=3250043”
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U.S. House Ethics Committee to examine congressional press secretary vandalizing Wikipedia articles with government computer

Sunday, August 19, 2007

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Timothy Hill is the congressional press secretary working for U.S. Representative David Davis (R, TN-1) in Washington, D.C.

This news story originally broke as an article appearing within the August 11, 2007 edition of the Knoxville News-Sentinel (Tennessee) in which Hill first denied any personal involvement in the “blanking” vandalism of the Wikipedia articles David Davis (Tennessee politician) and Matthew Hill (Matthew Hill is a Representative within the Tennessee General Assembly and older brother of the press secretary) during a first interview with a KNS reporter. Hill later called back the KNS reporter for a second interview in which he reportedly admitted to using a government computer within the Washington, D.C. congressional office of U.S. Rep. David Davis to “edit” both the David Davis and Matthew Hill Wikipedia articles .

Hill repeatedly blanked six to eight paragraphs of reference text at each article pertaining to both U.S. Davis’ and Tennessee Rep. Matthew Hill’s political lobbying and/or campaign finance connections to Altace, Hoechst AGand former King Pharmaceuticals, Inc. CEO John M. Gregory. Hill’s Wikipedia article edits were then linked through the article histories back to Rep. Davis’s congressional office via an IP (internet protocol) number to the U.S. House of Representatives Information System.

Other interesting Wikipedia articles edited with the history detail revealing Rep. Davis Davis congressional office IP number (although not attributed to Hill) includes John Leslie (porn star) and sports professional Ray Jackson. The vandalism at the Jackson article was not directed toward the sports pro, but rather at a congressional staffer of the same name who is employed at the House Rules Committee.

The rules of the U.S. House Committee on Standards for Official Conduct (more popularly known as the U.S. House “Ethics Committee”) oversees ethics education and conducts investigations of ethical matters pertaining to House members of the U.S. Congress and the members’ congressional officers and staff members, including investigating within the scope of campaign activity:

  • No campaign activities allowed in any congressional office or room (including district offices)
  • No use of congressional office resources (including equipment, supplies, or files) for any campaign purpose

The scope of duties for a congressional press secretary is traditionally limited toward preparing internal documents within a congressional office (i.e.: “press releases”) that are later disseminated to the news media outlets, writing up and producing newsletters to mail to the constituents back within the congressional district, and serving as a contact person within a congressional office for news reporters.

There is also an IP number indication that U.S. Rep. David Davis’ congressional office has also been anonymously “shadowing” online blogs with at least one blog (The Tennessee Waltz) originating in East Tennessee with content that was critical toward Rep. Davis for his voting against the federal 2007 Animal Fighting Prohibition Act. The legislation passed this year without Davis’ vote and was signed into law by U.S. President Bush.

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