Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

TabascoJack (OH): (March 07, 2010 10:37am)

SSFranny, The application is only after you acquire key items to include income information, property information. We have expanded the 6 items to 9. We have added property type and occupancy, and something else. It is weekend and only going by memory and I don't want to think that hard but thought I would share this with you.

mick34d: (March 07, 2010 6:57am)

Here is a great link http://appraisalnewsonline.typepad.com/appraisal_news_for_real_e/2010/03/the-ultimate-solution-for-the-appraisal-industry.html

ssfranny: (March 06, 2010 11:32am)

Just saw 2 loan "worksheets" that BofA and Wells are sending out. They say its NOT a GFE or TIL and its not a offer to lock rate or offer for a loan. BofA sends out the GFE after the loan application is taken? SO my question is won't these lenders have enough information to take a loan like name address, phone number, and SS # to pull credit? I thought once you take an app you have to give them a GFE not some "worksheet"

5pence: (March 06, 2010 10:50am)

According to the article the failure rate of loans is increasing exponentially since the pre-dominant use of AMC's. I hope they lose every cent they made using amc's. Unfortunately it's the taxpayers that will be held liable for their negligence and abuse of the system. But, this is perfect - loan failures are increasing due to the use of AMC's and their $150 appraisers. I really don't think that there's any other reason - do you? I don't care if no one is here, it's hilarious imo! You get what you pay for and if you try to cut corners the first time, the 2nd time it could cost you double, which is what's happening Bwahahahahaaah !! These banksters have more oney than brains lol. http://www.bloomberg.com/apps/news?pid=newsarchive&sid=ad._QCyroAdI

5pence: (March 06, 2010 10:36am)

HaHAHA-hilarious! March 5 (Bloomberg) - Fannie Mae and Freddie Mac may force lenders including Bank of America Corp., JPMorgan Chase & Co., Wells Fargo & Co. and Citigroup Inc. to buy back $21 billion of home loans this year as part of a crackdown on faulty mortgages. That’s the estimate of Oppenheimer & Co. analyst Chris Kotowski, who says U.S. banks could suffer losses of $7 billion this year when those loans are returned and get marked down to their true value. The GSE's, both controlled by the U.S. government, stuck the 4 biggest U.S. banks with losses of about $5 billion on buybacks in 2009, according to company filings made in the past two weeks. The surge shows lenders are still paying the price for lax standards three years after mortgage markets collapsed under record defaults. The GSE's are looking for more faulty loans to return after suffering $202 billion of losses since 2007, and banks may have to go along, HOW'S THOSE FRAUDULENT AMC'S WORKING OUT FOR YOU ARSEHOLES?!! HA!

5pence: (March 06, 2010 9:52am)

Term limits- thanks for the link. Sendit to your friends. 83% support it - fantastic!

Term Limits is the answer: (March 06, 2010 7:39am)

The way to change things is term limits in Congress. Here is the petition to sign http://www.termlimits.org/content.asp?admin=Y&contentid=28

ssfranny: (March 06, 2010 1:41am)

62 loans YTD...yeah rightttt and I'm Tiger Woods.

BoringBill: (March 05, 2010 7:55pm)

Every lender that I work with requires the appraisal fee to be broken out on the GFE. Stop the witch hunt.

ssfranny: (March 05, 2010 7:52pm)

Are there any Maryland brokers or bankers out there who can do a USDA purchase? If so, email me at [email protected] May have a deal for you! Scott

Pipe: (March 05, 2010 7:51pm)

Have closed 62 loans YTD, have never seen less or more charged to the borrowe than the AMC fee.

joe: (March 05, 2010 7:48pm)

lol

5pence: (March 05, 2010 5:11pm)

Sorry about that, I meant "sus socal appraiser"

5pence: (March 05, 2010 4:41pm)

sus girl : it seems that unless you have a buyer that's an appraiser you're not going to see too many appraisers that have the HUD-1's. Call your recent homwowner sales and see if the borrower will let you have a copy as you're having problems with the AMC that contracted you? Or something similar? I'd do it, but I don't work for AMC's. Actually, couldn't you get by with a statement from the homeowner about how much they paid? We already know there's a statistical discrpency, thanks to Dave Biggers, about what appraisers are paid by AMC's and the actual going rates. It might be easier going that route with less supporting HUD-1's to punctuate your point? Just offering suggestions. I wish you all the luck in the world of course ;^)

still here: (March 05, 2010 3:50pm)

Et tu Brian? (TBWS Support) I logged on to register to be able to participate in the discussions. Sadly Real Estate Appraiser is not on the list of primary industry! Yes, we can be lumped into Real Estate and I know we are hanging by a thread, but are you denying our existence too?

sus socal appraiser: (March 05, 2010 3:44pm)

Valley Girl Appraiser...I'm not asking any one to do anything "illegal" but we need to get a handle on How much the Borrower is being charged vs what we are being paid, especially since none of Us are at the closing table to see the final HUD-1. The borrower has already paid the "Appraiser Fee"...so they would have no reason & probally no call back #...& the LO/Broker has no control/idea of what the "Appraiser Fee" charges are/will be... This will be additional DATA that we need to get our message/point across to our state/fed Rep's... on How we are being taken advantage of..with no recorse..as we are Forced to work thru the AMC's...

Ezradams: (March 05, 2010 1:52pm)

Pissed off Appraiser: Can you find out from your LO friend what appraisal fee was listed on the HUD-1? We're looking for an instance when the HUD-1 fee is more than the AMC fee. That would be a clear RESPA violation. If we have supportable proof of this happening I have a nationally known reporter who wants this info. It must be the AMC fee vs. HUD-1 fee....NOT appraiser fee vs. HUD-1. [email protected]

5pence: (March 05, 2010 1:36pm)

Barney was just on and said that investors shouldn't think that what the GSE's are buying is fully backed by the Gov (our money) like Treasury bonds. He also said the Senate has struck from the bill the portion where brokers have to retain fiduciary liability. It appears this whole consumer protection act is still up in the air. Barney was even talking about a House and Senate meeting to iron things out about Senate changes to the bill. Barney wants brokers to retain liability and have skin in the game. Vote out Blarney imo lol

5pence: (March 05, 2010 12:58pm)

Some of you might really like this one. Very educational : America's Forgotten War Against the Central Banks. http://dollardaze.org/blog/?post_id=00255

5pence: (March 05, 2010 12:50pm)

ssfranny: The banks should have to retain 100% since it's our money buying the pos MBS's! At least 20% retention would keep them honest in the future when they're in a "real" market. 5% is nothing. Vote them all out, all bought and paid for. 5% just makes it look like they're really doing something when they're not. Anybody else getting tired of this veneer they're laying on in thicker and thicker coats of "everything's all right"? There is no recovery if unemployment is still up to 20% ! There is no lasting recovery coming if the banks use our money to buy off politicians - it'll just be more of the same! Stop spending my money to use against me and for the banksters !! Arggg. Think Obama will ever get it? We are the victims of financial terrorists - duh

BrokeAppraiser: (March 05, 2010 12:42pm)

Where is the language in 4173 that was referred to the Senate about eliminating HVCC? I read through and can't find it.

ssfranny: (March 05, 2010 12:36pm)

Cluelessdad: For all you read section 9003 of HR 4173. I read in there they will allow indirect compensation based on the rate or loan terms. Doesn't that mean SRP and YSP? Either make EVERYONE disclose or ban it. I also read that you can do indirect compensation if its for reducing closing costs and its fully disclosed. NO WONDER THE BANKS ARE FIGHTING IT...they don't want to have to disclose SRP. They think they play to a different set of rules than brokers. Also, if you "securitize" you have to keep 5% reserves. Looks like all the mortgage "bankers" will have to do more than dumping a loan on a warehouse line for a few days to get their "hidden" SRP

Pissed off Appraiser: (March 05, 2010 12:34pm)

Per friend who is LO for B of A in San Diego Appraisal Fee charged to borrower $465 - it is then ordered by mandate thru Landsafe - who then will order through Eappraiseit - fees paid to appraiser after being run through 2 AMC's $176!!! 38% of the fee paid by consumer. That is taking it to a new level.

Mook Hunter: (March 05, 2010 12:29pm)

Send Barney to Tailand, he'll never come back.

TBWS Support: (March 05, 2010 12:14pm)

STARTING MONDAY YOU WILL NEED TO LOGIN IN ORDER TO POST TO THE DISCUSSION BOARD. IF YOU DO NOT ALREADY HAVE A TBWS ACCOUNT YOU CAN REGISTER FOR YOUR LOGIN FOR FREE HERE: https://www.thinkbigworksmall.com/buy We apologize for the inconvenience however it's a necessary step in our expanding reach. If you have any questions please email [email protected]. Thanks; TBWS Support

Valuequestor: (March 05, 2010 12:11pm)

For Gods Sake if A.James Mason comes to appraise your house make sure you hide all the mirrors, or he'll be there for 3 hours minimum. He has his own stripper pole.

ILL Appraiser: (March 05, 2010 11:39am)

Facebook fans - ABC 20/20 discussion board needs your imput and there is a new facebook page called I am a Real Estate Appraiser - The National Appraiser Coalition. Check them out.

joecolorado: (March 05, 2010 10:26am)

pgh-If I was barney I would be doing exactly the same thing as he gets paid for EVERY one of these he sits in on AND he gets paid handsomely. The problem is that when there is one person runnng in all of the committees etc. the errors of one commitee get compounded into the next and so on.

SoCal Mortgage Broker: (March 05, 2010 10:16am)

Regarding the extension for the audited financials, you still have to pay the annual renewal fee by 3/31/10 if you operate on a calendar year. In my opinion only, they just want the renewal fees and will probably drop the audit righ after that.

SoCal Mortgage Broker: (March 05, 2010 10:16am)

Regarding the extension for the audited financials, you still have to pay the annual renewal fee by 3/31/10 if you operate on a calendar year. In my opinion only, they just want the renewal fees and will probably drop the audit righ after that.

pghmortgagedude: (March 05, 2010 10:15am)

Am I the only one who noticed the barney is on ALL these committees??? House Financial Services; House Agriculture; House Energy and Commerce; House Judiciary; House Rules; House Budget; House Oversight and Government Reform; House Ways and Means; Senate Banking, Housing, and Urban Affairs - WTF? Talk about having your hand in EVERY possible political cookie jar!!!!! Our system has become 'joke' like

SoCal Mortgage Broker: (March 05, 2010 10:15am)

Regarding the extension for the audited financials, you still have to pay the annual renewal fee by 3/31/10 if you operate on a calendar year. In my opinion only, they just want the renewal fees and will probably drop the audit righ after that.

WOG: (March 05, 2010 10:08am)

I love you guys! Not like I want your baby or anything. But I really appreciate your insight and the fact that you can deliver the garbage and make us laugh at the same time is a uniquely powerful skill. Keep it up!

MadAsHell: (March 05, 2010 10:02am)

righting should have been writing, Sorry!

MadAsHell: (March 05, 2010 10:01am)

Mr. Conners, is that you? I recognize your righting on 20/20 facebook. Keep up the good work, you know who you are:)

MadAsHellNotGoingToTakeItAnyMore: (March 05, 2010 9:55am)

HR 4173, if passed, "shall not prohibit lenders, the Federal National Mortgage Corporation or the Federal Home Loan Mortgage Corporation from accepting any appraisal report completed by an appraiser selected, retained or compensated in any manner by a mortgage loan originator." And, "the Home Valuation Code of Conduct, announced by the Federal Housing Finance Agency on December 23, 2008, shall have no effect." I don't know about you, but this sound like good news to me. Also keep facebooking 20/20 and any other media investigating team with your horror stories. Especially the consumer ones.

Valley Girl Appraiser [aka VGA]: (March 05, 2010 9:37am)

sue so cal: what legislation did they pass? Also, ALL of my AMC's have a clause in their contract that if I discuss my pay vs their fee, that I can be 'released'.

sus socal appraiser: (March 05, 2010 9:29am)

What are WE doing to get our voices HEARD at our State Level...NEW Mexico just passed one of the BEST AMC Legislation Laws to Date.... Ca has one ...but it is very weak compared to the New Mexico's....This is WHERE we can START to MAKE a difference....Work together by County...gather all the information on THE AMC's FEE's imposed ON YOU. Hand out information at each of your assignments (I have a sample - e/mail me & I'll forward it [email protected]) ask the Borrowers how much THEY paid for the Appraisal Fee...Tell them what you get paid out of it. Start your own Petition of NOW INFORMED BORROWERS..for Fair Pay for the Appraisers...Keep this Borrowers Paid/Your Fee split/AMC data...so we have REAL DATA to report to our State/Fed "Leaders". I'm hoping that the appraisers' who accept the low fee's also read this blog...We want to help get all our fee's back...I know that You must accept these low fee's to keep your families going.... Once again What Have YOU done today to Help??

Ancient Appraiser (Retired - not by choice): (March 05, 2010 9:10am)

When you read the RSPA procedures in this Bill it makes you wonder how a politacal hack from NY can circumvent the whole Act and make his own "Code" which all must follow! Really doesn't matter what Bill or Code passes as long as corruption is rampant!!

QCExpert: (March 05, 2010 8:44am)

Check the QC Report from Quality Mortgage Services. Great data on Non-Banks vs. Banks. Go to http://www.qcmortgage.com/BankRiskReport.aspx?year=2009 Sorry this has nothing to do with the video but important to the audience.

real appraiser: (March 05, 2010 8:19am)

Cluless: my concern is that 9504(c) in the same bill(at the end of your bill copy) still has the 18 month study for HVCC effects, if its sunsetted in one part of the bill on the day its enacted, why the study. I am probably wrong about this, but I dont get it, I like the first part, dont like the second part in the same bill, So I am a little confused, Did you (or anyone) see something different?

CLARK KENT: (March 05, 2010 8:15am)

LOVE YOUR VIDEOS. WATCH 'EM EVERY MORN NOW W/ B-FAST.

clulessdad: (March 05, 2010 8:13am)

real appraiser-good catch! It is very specific in what it means. Wow!

real appraiser: (March 05, 2010 8:12am)

clules. I hope that helps, the page you might be looking at is the list of all bills, HR 4173 is at line 4165, you must click on the bill(HR4173) then scroll down and click on 4312(c) Appraiser independence. There are several differnet ways to get to the bill, so I am trying to guess where you are to direct you. I cut an paste, but that seems to direct everyone to a different place

clulessdad: (March 05, 2010 8:10am)

real appraiser-pages 983-985 has the sunset of HVCC and that an appraisal can be ordered by someone licensed or registered by the SAFE Act.

real appraiser: (March 05, 2010 8:06am)

cluless, I am sorry, go to line 4165 at your page, you will see bill 4173 under it, click on that. now you are in the bill, go to 4312(C)

Kenny: (March 05, 2010 8:05am)

Wachovia Bank purchased WORLD SAVINGS BANK and I helped create the Nation's #1 Streamlined Short Sale Program, which has been nothing short of extraordinary. It works because they are a "portfolio lender" (Lent their own money). 4 day Short Sale approvals, 6% commissions, $2500 to sellers in possession for move out expenses, 10% to 2nd lenders to buy their cooperation and avoid the 2nd lender from being a wrecking ball. WAMU (Option Arms), WORLD SAVINGS (Pick a Pay) are two great portfolio lender examples. Can you name 10 others who lent their own money in the SF Bay Area? Also, Congress will incentivize Short Sales as opposed to REO's/Foreclosures. What impact will this have on buyers, sellers, lenders, closers, etc?

real appraiser: (March 05, 2010 8:03am)

cluless, go to your 4165, that will have the entire bill, then go to section 4312C

TheFyouSay: (March 05, 2010 8:02am)

PLEASE. PLEASE. PLEASE put that clip of Barney Frank in TBWS for us to download.

real appraiser: (March 05, 2010 8:00am)

cluless: No, there are sections in HR 4173 when you see the entire bill, the copy you have is the whole bill with page numbers, the bill at THOMAS is the bill by sections, read the appraiser independence section in the middle of your copy. I think its in the (Pages)800's or 900' if I remember the version you are looking at correctly, LOOK FOR APPRAISER INDEPENDENCE

clulessdad: (March 05, 2010 7:57am)

real appraiser-I cant seem to find 4312-Mine goes from 4216 to 4401-I dont see anything for 4312. It is Friday and my eyes are hurting, so it may just be me.

Kenny: (March 05, 2010 7:54am)

Dear Frank and Brian, RE: FLIPPING PROPERTY Please clarify! I have been told several times that if you purchase an REO bundle directly deeded from the lender it exempts you from all flip rules. True?

clulessdad: (March 05, 2010 7:53am)

sorry 4312

real appraiser: (March 05, 2010 7:53am)

clulessdad: look again at sec 4312(C). I do not know what page its on -but it will be in that section, it is still there.

clulessdad: (March 05, 2010 7:53am)

real appraiser-Is that a different bill? 4123? Or is that the section of this bill? If it is, what page is that clause? I can't find it in this bill

clulessdad: (March 05, 2010 7:48am)

PLease read page 1659 of the bill-There is no statement to sunset the HVCC-it only makes the agency do a report on the effects of HVCC on small business. There is no timetable for the report. I did not read anything in the appraisal section that read "Sunset of the HVCC." Am I reading this wrong?

real appraiser: (March 05, 2010 7:47am)

clulessdad: If you read 4312(C) it does have the sunset hvcc clause, but if you read 9504(C), it has a study to determine effects of HVCC, I am at a loss, but then again I have not read the whole thing, but it does not seem consistent to me?

valley girl appraiser: (March 05, 2010 7:44am)

thanks clueless dad. the banner thing did not work for me.

clulessdad: (March 05, 2010 7:41am)

Interesting read on the originators- It specifically excludes SRP from compensation to the lender. This is obvious for the banks, because this is where they make their money. I don't understand why the wholesalers don't take their pricing and differentiate between YSP (Disclosed) and SRP (Undisclosed) SRP can be a flat fee based on the loan amount (OK per 4173). It is a big number and it used to be 1-1.5% of the loan amount. Anyone have any thoughts on this?

brian tbws: (March 05, 2010 7:38am)

hud say's they're extending the deadline until they get their new rule out. Beyond that I cannot give you any further info. It seems they're changing something as evidenced by this extension and what stevens said, BUT we just cannot know for sure.

Broker Joe: (March 05, 2010 7:32am)

Just got an email from HUD telling Mini Eagles to file their paperwork within 90 days of their fiscal year end BUT that they are extending the financial audit turn in date by 30 days while they finish their formal, updated rules for Mini Eagles (Correspondents, Brokers, whatever they are calling us).

clulessdad: (March 05, 2010 7:29am)

link to bill http://thomas.loc.gov/cgi-bin/query/L?c111:./list/c111h.lst:4101 go to the line 4165-it has the link to the 1700 pages. What I just read, it does NOT have the provision to sunset the HVCC. It only has that the new agency do a study on the effects of HVCC on small business. page 1659 It looks like the banks got their way.

TX201: (March 05, 2010 7:17am)

Brian, are you saying that from what you heard from David Stevens that we should still hold off on our audits? I already cancelled my audit scheduled for the end of Feb on this news, now it looks like I need to get it lined up again. I am afraid HUD is going to bounce this around and I will either waste money on an audit, or take a chance on waiting to only find out they do want the audit and puts me in a bind trying to meet their new deadline. Just a guess, they won't grant any extensions past April 30.

5pence: (March 05, 2010 7:02am)

If it can't stand alone put it where there's real oversight for regulation. Under the FBI or DOJ would be my suggestions.

Gordon: (March 05, 2010 6:58am)

Once you click on the CFPA link, it takes you to Thomas, search word/phrase as CFPA, then and this is important scroll down to the bottem of the page and hit the search button there. The upper search button did not work for me but the bottom one did.

Frank: (March 05, 2010 6:49am)

With respect to YSP in the bill... I don't see that it will really change anything. I says you can't make ysp and an origination, it's either or... well, that's essentially what we've got now. We don't earn ysp, it's all up front. So doesn't look like any big deal to me.. hope I'm right.

CFPA Link Fixed.. Sort of...: (March 05, 2010 6:46am)

ok.. for some reason the link directly to the CFPA text doesn't work. So now it links to Thomas.gov.. from there search "bill number" H.R. 4173 and then go to "text" and then to the most recent version. Sorry

brian tbws: (March 05, 2010 6:40am)

Hey guys HUD has extended the deadline for financial audits for 30 days because they dont have their "rule" drafted. So hang tight until they figure this out. Oh thats not me and frank and min 127. Franks chaps are green.

Bob: (March 05, 2010 6:38am)

On a lighter note.........Do away with the explosion(hurts my ears) and bring back the guy with the "Juice" harp(at the risk of being politically correct)Always loked forward to that part!

TechnoTony: (March 05, 2010 6:33am)

CFPA link does not work.

Happy DAYS: (March 05, 2010 6:26am)

CPFA link does not work

CFPA: (March 05, 2010 6:24am)

CFPA link is no longer working. Please update Search results are only retained for a limited amount of time.Your search results have either been deleted, or the file has been updated with new information.

GODLIKE: (March 05, 2010 6:20am)

I would go back and look for Frank and Brian in chaps, but then I'd probably have to put my eyes out. ;) They did have pants on under those chaps didn't they?

Mike: (March 05, 2010 6:18am)

You do know that the Federal Reserve Bank is a private bank owned by the Banks themselves. Not the Federal Government.

GODLIKE: (March 05, 2010 6:17am)

The CFPA scares the heck out of me!!!

Michael Blomquist: (March 05, 2010 6:16am)

I nominate Frank, Brian and myself to host the CFPA RESPA and TILA is proof our government is stupid. My numerous letters, emails, faxes & phone calls http://www.michaelblomquist.com/images/FEDLetter.pdf lead to the inter-agencies toothless guidance on nontraditional mortgages (Liar loans, Option ARMs, Subprime, 100%, etc) http://www.fdic.gov/regulations/laws/federal/2005/05comguide.html See #20 The Fed, OTS, OCC (Treasury) & FDIC are part of the inter-agencies that did NOTHING to stop LIAR loans or Option ARMs that were clearly fraudulent and much worse than subprime; not to mention unsafe and unsound http://www.fdic.gov/regulations/laws/rules/2000-8630.html#fdic2000appendixatopart364 Simple " Identify the purpose of a loan and the source of repayment" Trust FED, FDIC, Treas? = FAIL Most consumers were part of the conspiracy and committed felony mort. fraud. FIRST, Law and Antitrust ENFORCEMENT or both consumers and CEOs will work around new laws. CONSEQUENCS are KEY!!

NotherDayInParadise: (March 05, 2010 6:12am)

The link for CFPA doesn't seem to work. it reads, "Please resubmit your search Search results are only retained for a limited amount of time.Your search results have either been deleted, or the file has been updated with new information."

SMELLCIAT: (March 05, 2010 6:06am)

HAHA FRANK AND BRIAN LOOKIN' GOOD IN LEATHER CHAPS... THANKS FOR THE LAUGH THIS MORNING.. NOTHING BETTER THAN TO COME TO WORK ON A FRIDAY MORNING AND START IT OFF THIS WAY.. YOU GUYS ROCK!!!!

ILL Appraiser: (March 05, 2010 5:57am)

Please enlighten me anyone - Where does HR4173 make changes to our industry? I read it through and got "this is just more of the same ol stuff". No coercion (near impossible to prove), no conflict of interest (except banks) blah, blah, blah....

Anonymous: (March 05, 2010 5:49am)

HUD made an annoucement about Loan Correspondent Renewal last night, which seems to contradict what has been communicated at the NAMB conference. Do we now need to do the audit? Guidance for Currently FHA-Approved Loan Correspondents Regarding Renewal of FHA Lender Approval for 2010

mbroker: (March 05, 2010 5:31am)

need more clarity on ysp

Nuke 'em 'til they Glow and shoot them in the Dark!: (March 05, 2010 5:26am)

Need to Add builders and ANYONE who Steers Loans by offering ANY financial Incentives to section 9003 of 4173. Otherwise the whole thing is restating existing law. What kind of idiots do we have running Congress... oh I forgot... ummmm it's the Change Brigade! OTP! OTP! OTP! onetermpresident.net Go Wolverines!

Ezradams: (March 05, 2010 5:21am)

Appraisal related items are contained between pages 1623=1662 of the CFPA. Have fun!

JohnTheHeckler: (March 05, 2010 5:00am)

If you stop the Video at the 1:25 mark, That's Frank and Brian in the Leather Chaps to the left!

jillsells: (March 05, 2010 4:45am)

you guys a just a tad too homophobic for prime time

Alessandro Machi: (March 05, 2010 4:41am)

I would happily add your daily upate to my daily-protest blog, bloggersagainstchasebank blog, and parallelforeclosure blog, but I can't find your live feed that would update your blog entry every day.

Chris: (March 05, 2010 4:37am)

Host? Sure - I trust them all. Ha! Parasites need a host & that is exactly what this agency will be. Also, since the previous agencies did no work for us - Let's eliminate them!

Scott-FL: (March 05, 2010 3:52am)

Here is the link to HR 4173 http://frwebgate.access.gpo.gov/cgi-bin/getdoc.cgi?dbname=111_cong_bills&docid=f:h4173eh.txt.pdf

yep: (March 05, 2010 3:41am)

skibroker...4173 is bill number

skibroker: (March 05, 2010 3:28am)

the link for cfpa goes to dead site. what is the bill #?