Guy Ralph Perea Sr President of The United States http://www.myspace.com/guypereasrpresidentusa Confidentality Notice: This E-mail transmission may contain confidential or legally privileged information that is intended only for the individual or entity named in the E-mail address. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution, or reliance upon the contents of this E-mail is strictly prohibited. If you have received this E-mail transmission in error, please reply to the sender, so arrangements can be made for proper delivery, and then delete the message from your system. Please consider the enviroment before printing this email. Notice of Removal of office of Defendant Article IV General Provisions Section 2 (Supreme Law of The Land) The Constitution of The United States "Any Thing in The Constitution or Laws of any State to the Contrary Notwithstanding" Contrary to Law (of an act or omission) illegal; In Notwithstanding "Despite; in spite of the government is current Executive Branch violating Notice of Removal The Notice of Removal on The Obama Administration, In personam including Goods (including Tea, i.e. Leslie in like). Within 30 days after the defendant Barak Obama is served with process in The Suit (case 641210). 28 USCS section 1446; Murphy Bros. Inc. V. Michetti Pipe Stringing Inc., 119 S Ct 1322 (1999). In responce to Housekeeper statment of Court process of Subject Matter California Inn in Notice of Removal. New office created out of removal Federal Districts Modesto City Schools District and Turlock Irrigation District Director Division 3, United States Department of Education, Director Ross Carkeet United States Department of Education, Federal Bureau of Investigation Youth Authorty Guy Perea, Jr., Federal Bureau of Investigation Youth Authorty Director Shopie Perea, United States District Court Western Washington Director Clean Water United States Navy.
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From: FDIC Subscriptions <subscriptions@fdic.gov>
Subject: FDIC Subscriptions Weekly Digest Bulletin
To: guyperea@rocketmail.com
Date: Sunday, December 5, 2010, 11:59 AM
You have requested to receive a Weekly Digest e-mail from FDIC Subscriptions. Message: 1
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Mon, 29 Nov 2010 08:22:15 -0600 (CST)
Subject: FDIC Subscriptions Office of Inspector General Reports Update
| November 29, 2010 FDIC Office of Inspector General Report The following report was recently posted to the Federal Deposit Insurance Corporation's (FDIC) Office of Inspector General (OIG) Web site: www.fdicig.gov under Publications. In cases where an OIG report includes sensitive or confidential information, the OIG may redact certain information in the report, and the report will be marked as such. In some instances because of the highly sensitive nature of the entire report, the OIG may not make the report publicly available and instead, a brief summary of the report is posted to the Web site. Thank you for your interest in the work of the FDIC OIG. If you have questions or need additional information, please contact the OIG. The html version of this report will be posted as soon as possible. In-Depth Review of the Failure of Centennial Bank, Ogden, Utah
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Message: 2
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Tue, 30 Nov 2010 09:30:19 -0600 (CST)
Subject: FDIC Issues First Quarter 2011 CRA Examination Schedule
FDIC Issues First Quarter 2011 CRA Examination Schedule FOR IMMEDIATE RELEASE
November 30, 2010 | | The Federal Deposit Insurance Corporation (FDIC) has issued the public list of institutions that it has scheduled for a Community Reinvestment Act (CRA) examination during the first quarter of 2011. This list is published pursuant to revised CRA regulations published in May 1995 that require each federal bank and thrift regulator to publish a quarterly CRA examination schedule at least 30 days before the beginning of each quarter. The examination schedule reflects the effects of an institution's size and CRA rating on examination frequency. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months. The schedule of institutions to be examined January 1, 2011, through March 31, 2011, is based on the best information now available. Examination schedules may change. For example, a regulated financial institution not otherwise scheduled for an examination may be examined in connection with the application for a deposit facility. Alternatively, some institutions may require more time and resources than originally allotted, thus delaying other scheduled examinations. If an institution is rescheduled for a different quarter, that information will be included on a later list. The regulators encourage public comment on the institutions to be examined under the CRA. Comments about FDIC-supervised institutions should be directed to the institutions themselves or to the Deputy Regional Director of the appropriate FDIC regional office (a list of those locations is attached). All public comments received prior to completion of a CRA examination will be considered. To receive today's quarterly list if not available as an attachment, call (703) 562-2200 or (877) 275-3342, fax a request to (703) 562-2296, or write to: FDIC
Public Information Center
3501 Fairfax Drive
Room E-1002
Arlington, VA 22226 The quarterly list is also available on the Internet at www.fdic.gov. The Community Reinvestment Act is a 1977 law intended to encourage insured banks and thrifts to help meet the credit needs of the communities in which they are chartered to do business, including low- and moderate-income neighborhoods, consistent with safe and sound operations. # # # Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at the nation's 7,760 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars – insured financial institutions fund its operations. FDIC press releases and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200). PR-259-2010
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Message: 3
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Tue, 30 Nov 2010 13:13:15 -0600 (CST)
Subject: Quiz on Financial Scams Featured in Latest FDIC Newsletter for Consumers
Quiz on Financial Scams Featured in Latest FDIC Newsletter for Consumers
Other timely topics include deposit insurance coverage and dealing with debt problems FOR IMMEDIATE RELEASE
November 30, 2010 | | Con artists are very good at tricking consumers into parting with money or divulging personal information that can be used to commit fraud. To help test people's knowledge about financial scams, the Fall 2010 issue of FDIC Consumer News, published by the Federal Deposit Insurance Corporation, features a quiz on common frauds and their warning signs. Other timely articles discuss FDIC insurance coverage, solutions to mortgage and other debt problems, "credit protection" offers, student loans, ways to save money at tax time, and automated overdraft payment programs. Here's an overview of the topics, tips and information in the latest newsletter: - Can you spot a scam? The FDIC's seven-question quiz on frauds involves common scenarios, including transactions with strangers who pay by check, work-at-home solicitations, lost or stolen ATM and debit cards, offers to rescue a home from foreclosure, and e-mail requests for personal financial information. Each answer comes with additional information and guidance on how to learn more.
- What to know about two key changes in FDIC insurance: There continues to be confusion over what has or hasn't changed recently with FDIC insurance coverage. The FDIC offers an overview of two key areas — the permanent increase in the basic coverage amount from $100,000 to $250,000, and the new, temporary insurance category that will fully insure all funds in checking accounts that pay no interest, regardless of the dollar amount.
- Estate planning and FDIC-insured accounts: This article looks at different types of deposit accounts that can be used to pass funds on to heirs and how to make sure the money is fully insured if the bank fails.
- Mortgage payment problems: The reminders and updates in this article center on refinancing opportunities and loan modifications available through the federal government, plus how to obtain help from a non-profit housing counselor and avoid foreclosure rescue frauds.
- Dealing with debt overload: Borrowers who think they won't be able to make a loan payment need to work out a solution with their lender. One option is to find a reputable credit counselor who can help develop a personalized plan to solve the problems. The article also discusses protecting against scams and understanding consumer rights.
- What to consider before buying credit protection. Credit card issuers and other lenders offer products that would postpone or make a borrower's loan payments in the event of a personal hardship, such as a death, illness or job loss. These products may provide security and peace of mind, but it's important to understand the costs, limitations and alternatives.
- The latest on student loans: With college costs soaring and student loan debt at a record high, the newsletter offers an update on what families need to know about borrowing to pay for an education.
- Tips for saving money at tax time: Moves to consider include using tax refunds to pay off high-interest debt or build up savings, avoiding costly loans arranged by tax preparers, and being on guard against tax-related frauds.
- New guidance to banks on overdraft costs, usage: For the more than 4,700 institutions it supervises, the FDIC has issued guidance for close monitoring and oversight of overdraft payment programs, especially automated programs that can lead to excessive use and high costs for consumers.
The goal of FDIC Consumer News is to deliver timely, reliable and innovative tips and information about financial matters, free of charge. The Fall 2010 edition can be read or printed at www.fdic.gov/consumers/consumer/news/cnfall10. To find current and past issues of FDIC Consumer News, visit www.fdic.gov/consumernews or request paper copies by contacting the FDIC's Public Information Center toll-free at 1-877-275-3342, by e-mail to publicinfo@fdic.gov, or by writing to the FDIC Public Information Center, 3501 North Fairfax Drive, Room E-1002, Arlington, VA 22226. There are two ways to subscribe to the quarterly FDIC Consumer News. To receive an e-mail about each new issue with links to stories, go to www.fdic.gov/about/subscriptions/index.html. To receive the newsletter in the mail, free of charge, contact the Public Information Center as listed above. The FDIC encourages financial institutions, government agencies, consumer organizations, educators, the media and anyone else to help make the tips and information in FDIC Consumer News widely available. The publication may be reprinted in whole or in part without advance permission. Organizations also may link to or mention the FDIC Web site. # # # Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at the nation's 7,760 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars -- insured financial institutions fund its operations. FDIC press releases and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200). PR-260-2010
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Message: 4
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Tue, 30 Nov 2010 14:54:09 -0600 (CST)
Subject: FDIC Consumer News - Fall 2010: Quiz on Financial Scams; Deposit Insurance Issues; Dealing with Debt Problems
QUIZ ON FINANCIAL SCAMS FEATURED IN LATEST FDIC NEWSLETTER FOR CONSUMERS
Other timely topics include deposit insurance coverage and dealing with debt problems Con artists are very good at tricking consumers into parting with money or divulging personal information that can be used to commit fraud. To help test people's knowledge about financial scams, the Fall 2010 issue of FDIC Consumer News, published by the Federal Deposit Insurance Corporation, features a quiz on common frauds and their warning signs. Other timely articles discuss FDIC insurance coverage, solutions to mortgage and other debt problems, "credit protection" offers, student loans, ways to save money at tax time, and automated overdraft payment programs. The latest issue can be read or printed online at www.fdic.gov/consumers/consumer/news/cnfall10. The FDIC encourages financial institutions, government agencies, consumer organizations, educators, the media and anyone else to help make the tips and information in FDIC Consumer News widely available. The publication may be reprinted in whole or in part without advance permission. Organizations also may link to or mention the FDIC Web site. See the Web site above for more details. The goal of FDIC Consumer News is to deliver timely, reliable and innovative tips and information about financial matters, free of charge. Current and past issues are online at www.fdic.gov/consumernews. Please forward this e-mail to anyone else you think would be interested in reading FDIC Consumer News or learning about the FDIC's other products and services for consumers. Others wishing to subscribe to this free online delivery service should follow instructions posted on the FDIC Web site at www.fdic.gov/about/subscriptions/index.html.
Message: 5
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Wed, 1 Dec 2010 10:06:17 -0600 (CST)
Subject: Statement of FDIC Chairman Bair on Problems in Mortgage Servicing from Modification to Foreclosure
Statement of Sheila C. Bair, Chairman, Federal Deposit Insurance Corporation on Problems in Mortgage Servicing from Modification to Foreclosure, Part II before the Committee on Banking, Housing, and Urban Affairs of the U.S. Senate delivered on December 1, 2010 is available at the following link: FDIC speeches, testimony, and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200).
Message: 6
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Thu, 2 Dec 2010 07:44:32 -0600 (CST)
Subject: Remarks by FDIC Chairman Sheila C. Bair to The Boston Club, Boston, MA
Remarks by FDIC Chairman Sheila C. Bair to The Boston Club in Boston, MA delivered on December 2, 2010 are available at the following link: FDIC speeches, testimony, and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200).
Message: 7
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Thu, 2 Dec 2010 13:02:47 -0600 (CST)
Subject: Agencies Issue Final Appraisal and Evaluation Guidelines
| Joint Release | Board of Governors of the Federal Reserve System
Office of the Comptroller of the Currency
Federal Deposit Insurance Corporation
Office of Thrift Supervision
National Credit Union Administration |
| For Immediate Release | December 2, 2010 | Agencies Issue Final Appraisal and Evaluation Guidelines The federal financial regulatory agencies issued final supervisory guidance today on sound practices by financial institutions for real estate appraisals and evaluations. Financial institutions use reliable appraisals and evaluations to determine the value of collateral for mortgages and other loans; appraisals and evaluations are integral to institutions' real estate lending. Institutions base credit decisions primarily on borrowers' ability to repay, but institutions also consider the value of real estate collateral as a secondary source of repayment. The Interagency Appraisal and Evaluation Guidelines, which replace 1994 guidelines, explain the agencies' minimum regulatory standards for appraisals. The guidelines incorporate the agencies' recent supervisory issuances on appraisal practices, address advancements in information technology used in collateral valuation practices, and clarify standards for the industry's appropriate use of analytical methods and technological tools in developing evaluations. Financial institutions should review their appraisal and evaluation programs to ensure they are consistent with the guidelines. The guidelines emphasize that financial institutions are responsible for selecting appraisers and people performing evaluations based on their competence, experience, and knowledge of the market and type of property being valued. Institutions should demonstrate the independence of their processes for obtaining property values, and adopt standards for appropriate communications and information-sharing with appraisers and people performing evaluations, according to the guidelines. In promoting sound credit decisions, the guidelines emphasize the importance of institutions maintaining strong internal controls to ensure reliable appraisals and evaluations. Institutions also are responsible for monitoring and periodically updating valuations of collateral for existing real estate loans and for transactions, such as modifications and workouts, according to the guidelines. The Dodd-Frank Wall Street Financial Reform and Consumer Protection Act of 2010 underscores the importance of sound real estate lending decisions; future revisions to the appraisal guidelines may be necessary after regulations are adopted to implement the Act. # # # Media Contacts: | Federal Reserve | Barbara Hagenbaugh | 202-452-2955 | | OCC | Dean DeBuck | 202-874-5770 | | FDIC | Greg Hernandez | 202-898-6984 | | NCUA | Cherie Umbel | 703-518-6337 | | OTS | William Ruberry | 202-906-6677 | (FDIC: PR-261-2010)
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Message: 8
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Thu, 2 Dec 2010 14:04:26 -0600 (CST)
Subject: FIL-82-2010: Interagency Guidance - Appraisal and Evaluation Guidelines
Financial Institution Letter Interagency Guidance
Appraisal and Evaluation Guidelines | FIL-82-2010
December 2, 2010 | | Summary: | The federal financial regulatory agencies are issuing the attached Interagency Appraisal and Evaluation Guidelines (Guidelines) to update and replace existing supervisory guidance to reflect changes in appraisal and evaluation practices. The Guidelines build on longstanding, prudent standards for valuing real property. The Guidelines clarify that an analytical method or technological tool, such as an automated valuation model, cannot be substituted for an appraisal when the transaction requires an appraisal. Further, the Guidelines enhance the requirements for collateral valuation methods for transactions that permit the use of an evaluation. | Distribution:
FDIC-Supervised Banks (Commercial and Savings)
Message: 9
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Fri, 3 Dec 2010 08:51:55 -0600 (CST)
Subject: FDIC Issues List of Banks Examined for CRA Compliance
FDIC Issues List of Banks Examined for CRA Compliance FOR IMMEDIATE RELEASE
December 3, 2010 | | The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in September 2010. The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990. A consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, can be obtained from the FDIC's Public Information Center, located at 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200), or via the Internet at www.fdic.gov. A copy of an individual bank's CRA evaluation is available directly from the bank, which is required by law to make the material available upon request, or from the FDIC's Public Information Center. # # # Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at the nation's 7,760 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars – insured financial institutions fund its operations. FDIC press releases and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200). PR-262-2010
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Message: 10
From: FDIC Subscriptions <subscriptions@fdic.gov>
Date: Fri, 3 Dec 2010 11:25:55 -0600 (CST)
Subject: Remarks by FDIC Chairman Bair to the Consumer Federation of America
Remarks by FDIC Chairman Sheila C. Bair: Financial Regulatory Reform: The Way Forward to the Consumer Federation of America, Financial Services Conference in Washington , DC delivered on December 3, 2010 is available at the following link: http://www.fdic.gov/news/news/speeches/chairman/spdec0310.html FDIC speeches, testimony, and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200).
Update your subscriptions, modify your password or e-mail address, or stop subscriptions at any time on your Subscriber Preferences Page. You will need to use your e-mail address to log in. If you have questions or problems with the subscription service, please contact support@govdelivery.com. Questions regarding the content of this email may be directed to webmaster@fdic.gov. GovDelivery, Inc. sending on behalf of FDIC Subscriptions · 3501 Fairfax Drive · Arlington VA 22226 · 877-275-3342
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