President Asshat Bullied Bank To Pay Racial Settlement Without Evidence

Obama Bullied Bank To Pay Racial Settlement Without Proof: Report – New York Post

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Newly uncovered internal memos reveal the Obama administration knowingly exaggerated charges of racial discrimination in probes of Ally Bank and other defendants in the $900 billion car-lending business as part of a “racial justice” campaign that’s looking more like a massive government extortion and shakedown operation.

So far, Obama’s Consumer Financial Protection Bureau has reached more than $220 million in settlements with several auto lenders since the agency launched its anti-discrimination crusade against the industry in 2013. Several other banks are under active investigation.

That’s despite the fact that the CFPB had no actual complaints of racial discrimination – it was all just based on half-baked statistics.

A confidential 23-page internal report detailing CFPB’s strategy for going after lenders shows why these companies are forking over millions of dollars in restitution and fines to the government despite denying any wrongdoing.

The high-level memo, sent by top CFPB civil-rights prosecutors to the bureau’s director and revealed by a House committee, admits their methods for proving discrimination were seriously flawed from the start and had little chance of holding up in court. Yet they figured they could muscle Ally, as well as future defendants, with threats and intimidation.

“Some of the claims being made in this case present issues, such as use of [race] proxying and reliance on the disparate-impact doctrine, that would pose litigation risks meriting serious consideration prior to taking administrative action or filing suit in district court,” the Oct. 7, 2013, memo addressed to CFPB chief Richard Cordray acknowledges.

“Nevertheless,” it added, “Ally may have a powerful incentive to settle the entire matter quickly without engaging in protracted litigation.”

At the time, the Detroit-based bank was seeking permission from the Federal Reserve to remain a financial holding company. Without regulatory approval, Ally risked losing key business lines, primarily its insurance subsidiaries.

“Protracted litigation” would present “a high hurdle” to Ally retaining such status, the CFPB lawyers conspired.

Prosecutors also sought to use the Community Reinvestment Act as leverage against Ally. At the time, the FDIC was reviewing the bank’s compliance with the anti-redlining law.

They huddled with FDIC and Federal Reserve officials to get them on board with their scheme; and the Fed assured them it would look favorably upon “a prompt and robust” settlement by Ally, while the FDIC confirmed that a quick resolution would help Ally pass its CRA exam.

So CFPB applied the screws to Ally, saying it had “statistical evidence” showing its participating dealers were “marking up” loan prices for blacks and Hispanics vs. whites (by an average of $3 a month). Ally fought back, insisting non-discriminatory factors, such as credit history, down payments, trade-ins, promotions and rate-shopping, explained differences in loan pricing. After conducting a preliminary regression analysis, the bank found these factors alone accounted for at least 70 percent of the “racial disparities” the government was claiming.

CFPB admits in the memo that it never considered these or other legitimate business aspects of the car deals it investigated: “Such factors were excluded as controls from the markup analysis.”

Also in its initial rebuttal, Ally complained CFPB’s entire case was based on “disparate impact” statistics, not actual complaints by consumers, and that those estimates relied on guesswork about the race of the borrowers. (The auto industry does not report borrower race, so CFPB tried to ID race by last name and ZIP code, a so-called “proxy” method that is wildly inaccurate.)

“The evidence of discrimination on the basis of race and national origin is strictly statistical,” the agency confessed in a report footnote.

With all these machinations hidden from public view, Cordray held a press conference to announce “the federal government’s largest auto-loan discrimination settlement in history.” He claimed that 235,000 minorities had been harmed by Ally, even though he didn’t know the race of a single borrower or whether they had actually been harmed.

“He had no idea how many actual victims there were because their whole case rested entirely on statistical estimations they admitted internally were inaccurate,” said a senior staffer for the House Financial Services Committee, which recently obtained the internal documents from CFPB.

In fact, CFPB still has not been able to definitively ID the race of any borrower it claims Ally victimized – which is why it has taken more than two years to send remuneration checks to alleged victims. Desperate to find them, the bureau recently had to mail 420,000 letters to Ally borrowers to coax at least 235,000 into taking the money, and to allow Cordray to save face.

Checks started going out this month to the fictitious victims – just in time for the election. So what if some recipients are white? They will all no doubt thank Democrats for the sudden, unexpected windfall of up to $520 in the mail.

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Obamanomics Update: President Asshat Releasing $4 Trillion-Plus Budget For 2017

Obama Releasing $4 Trillion-Plus Budget For 2017; New Taxes And Spending – CNS

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President Barack Obama is unveiling his eighth and final budget, a $4 trillion-plus proposal that’s freighted with liberal policy initiatives and new and familiar tax hikes – all sent to a dismissive Republican-controlled Congress that simply wants to move on from his presidency.

The budget will be released Tuesday morning, the same day as the New Hampshire primary when it’s likely to get little attention. It comes as the deficit, which had been falling over the duration of Obama’s two terms, has begun to creep up, above the half-trillion mark.

The White House is countering the worsening deficit outlook with a proposed $10-per barrel tax on oil that would finance “clean” transportation projects. It also is sure to propose taxes on the wealthy and corporations.

Long gone are proposals such as slowing the automatic inflation increase for Social Security benefits and other ideas once aimed at drawing congressional Republicans into negotiations on a broader budget deal.

Now, Obama has broken out a budget playbook filled with ideas sure to appeal to Democrats: A “moonshot” initiative to cure cancer; increasing Pell Grants for college students from low-income backgrounds; renewed incentives for GOP-governed states to join the expanded Medicaid system established under the health care law, and incentives to boost individual retirement accounts.

The $10-per-barrel tax hike proposal comes as the price of crude has dropped to the $30 per barrel range.

“We’re going to impose a tax on a barrel of oil – imported, exported – so that some of that revenue can be used for transportation, some of that revenue can be used for the investments in basic research and technology that’s going to be needed for the energy sources of the future,” Obama said. “Then 10 years from now, 15 years from now, 20 years from now, we’re going to be in a much stronger position when oil starts getting tight again, prices start going up again.”

Republicans, however, immediately rejected the idea after its release last week and it will meet the fate of prior dead-on-arrival proposals such as increasing capital gains taxes on the wealthy, imposing a fee on big banks, and cutting the value of charitable deductions for upper-income taxpayers. Higher cigarette taxes and a minimum 30 percent rate for wealthier filers have also gone nowhere.

Obama’s proposed tax increases also mean that he can present relatively reasonable deficit estimates without having to go for painful cuts to benefit programs such as Medicare, health care subsidies under the Affordable Care Act, food stamps, and Medicaid health care for the poor.

The budget deficit, after hitting a whopping $1.4 trillion in Obama’s first year, dropped to a relatively manageable $439 billion last year. But a softening economic outlook, combined with a round of tax cuts and increased spending enacted by Congress last year, will make the deficit problem about $1.5 trillion worse over the coming 10 years, according to the latest Congressional Budget Office estimate.

CBO’s “baseline” deficit – what it expects would occur if Congress does nothing – would now total almost $10 trillion over the coming decade.

The White House hasn’t revealed what, if anything, Obama will propose to address the worsening deficit picture. In its budget roll-out, the White House has instead focused on new spending initiatives. The plan is also likely to call for a comprehensive overhaul of immigration laws, highly unlikely in an election year.

On Monday, Obama proposed $1.8 billion to combat the Zika virus, asking for the money immediately as emergency spending on top of the $1.1 trillion catchall spending bill that passed in December. The virus is spreading rapidly through Latin America. While most people experience either mild or no symptoms, Zika is suspected of causing a devastating birth defect – babies born with abnormally small heads – and the funding is aimed at fighting its spread both abroad and in the U.S.

Obama has largely shifted his focus elsewhere. After winning a higher income tax rate in 2013 on couples earning more than $400,000 per year, Obama and Republicans have battled over relatively small increases to the less than one-third of the budget passed by Congress each year. Republicans seeking higher spending for the Pentagon have been forced to accept Obama’s demands for additional funds for domestic agencies.

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Over 100 Million Guns Sold In U.S. Since President Asshat Took Office

Over 100 Million Guns Sold In US Since Obama Became President – Gateway Pundit

Over 100 million guns have been sold in the United States since Barack Obama was elected president.

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A poster showing Barack Obama is seen in the background as customers line up to look at firearms at a gun shop in Fort Worth, Texas, Thursday, Nov. 6, 2008. The Cheaper Than Dirt gun store recorded a record day of gun sales the day after the election of President-elect Barack Obama and is having trouble keeping up with the demand for assault riffles. (Flickr)

William La Jeunesse reported today on FOX News that 100 million guns have been sold in the US since Obama became president. Today’s increase in sales is nationwide not just in California.

La Jeunesse said:
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“Americans are not just putting them in their closet and waiting for a burglary. They’re taking classes on how to protect themselves. Background checks on Black Friday topped 185,000 that’s 8,000 guns sold every hour. 2,000,000 in November and and almost 20 million this year.”

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** Enough guns were sold on Black Friday to create a new military branch.

Check out this graphic –

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Via America’s Newsroom:
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Police Union Boycotts President Asshat For Lack Of Support For Law Enforcement

Cop Union Boycotts Obama For Lack Of Support For Law Enforcement – Weasel Zippers

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Take that boycott nationwide…

Via Boston Herald:

Jerry Flynn, a Lowell cop on leave while serving as executive director of the New England Police Benevolent Association, said his organization’s executive board has chosen to boycott President Obama’s Labor Day breakfast address in Boston today to make a statement about violence against police:

“Our members are enraged at his lack of support of law enforcement. It’s clear that he has an agenda, and unfortunately the police are not part of his agenda.

Let’s face it, (there have been) eight people killed in a nine-day period, eight police officers, and his silence up until recently has been deafening. And the real sad part of this – and when I went to the White House in the first term with (Vice President) Joe Biden – he said to me that he would be the voice of law enforcement. Well, as much as I love and adore Joe, his voice has been silent as well. So it’s not an Obama problem, it’s an administration problem.

This is a horror show, this is an epidemic of lawless people trying to kill police officers for no apparent reasons. Case in point is the lieutenant who was pumping gas in Houston. Over 7,000 people were at that church, and where was he (Obama)? Why wasn’t he there instead of a unity breakfast?”

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Keep reading

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Pen And Phone Update: President Asshat Orders Paid Sick Leave For Employees Of Federal Contractors

Obama Orders Government Contractors To Offer Paid Sick Leave – One America News

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President Barack Obama on Monday ordered government contractors to offer their workers seven days of paid sick leave a year and, without naming them, knocked Republican presidential candidates for advocating what he said were anti-union policies.

Obama signed an executive order on sick leave during a flight on Air Force One to Boston, where he spoke at a union event. The White House said it would affect some 300,000 people.

Starting in 2017, workers on government contracts will earn a minimum of one hour of paid sick leave for every 30 hours worked. Contractors can offer more generous amounts at their discretion.

Speaking to a friendly crowd without a tie or jacket, Obama said such policies were beneficial to employers.

“It helps with recruitment and retention,” he said.

Unions and organized labor are a key constituent to the Democratic Party whose support will be critical in the 2016 presidential election.

Obama, who joked that he was glad not to be on the ballot next year, made thinly veiled references to Wisconsin Governor Scott Walker and New Jersey Governor Chris Christie for anti-union remarks and policies. He did not name them by name.

The executive order follows a series of measures by the White House to expand access to paid leave. In January, Obama issued a presidential memorandum directing the government to advance up to six weeks of paid sick leave for the birth or adoption of a child, or for other sick leave-eligible uses.

Obama is also pressing Congress to pass legislation giving government employees six additional weeks of paid parental leave. Labor Secretary Thomas Perez said he could not say what the cost of implementing the seven-day paid leave rule would be to contractors.

“We believe the cost of implementing this rule is offset by the efficiencies that come with reduced attrition, increased loyalty, all of those things that have been documented in a number of studies of state laws that have been enacted,” Perez told reporters on a conference call on Sunday.

Obama also used the trip to Boston to renew his call for Congress to pass the Healthy Families Act, which would require all businesses with 15 or more employees to offer up to seven paid sick days each year.

According to the White House, an estimated 44 million private-sector workers, about 40 percent of the total private-sector workforce, do not have access to paid sick leave.

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*VIDEO* Greg Gutfeld Verbally Bitchslaps President Asshat Over His Insane Priorities

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President Asshat Claims Republican Critics Are Making “Common Cause” With Iranian Hardliners

Obama’s Terrible Iran Speech: My Republican Critics Are Making “Common Cause” With Iranian Hardliners – Hot Air

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The lowest moment from what was probably the lowest speech of his presidency – so far. David Harsanyi, watching this, asks a good question:

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David Harsanyi
@davidharsanyi

Imagine what would have happened if Bush had said that Democrats were caucusing with Saddam Hussein?

12:50 PM – 5 Aug 2015
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The GOP opposes the nuclear deal because they think it’s too favorable to Iran and not favorable enough to America. The hardliners in Iran’s parliament oppose the deal for the opposite reason. Insofar as they both want the deal to fail, I suppose that’s “common cause.” But then, as Harsanyi says, it must also be true that Barack Obama made “common cause” with Saddam Hussein since both of them thought the Iraq war was a bad idea. Obama thought it was a bad idea for U.S. and Iraqi security whereas Saddam thought it was a bad idea for his own personal security, but the reasoning is immaterial apparently. All that matters to “common cause” is how the parties to an issue align. Or at least, 12 years after the invasion of Iraq, that’s all that matters now. I wonder what Democrats like Steve Israel, who came out against the Iran deal yesterday, thought when they found out today that they’re on the same side as the worst fanatics in Iran’s government.

Actually, Obama’s insult may be worse than it at first appears. The major theme of this speech, as it always, always is – and always disingenuously – when Obama talks about diplomacy with Iran is that the only alternative is war. Reportedly he went so far today in a private meeting with Jewish leaders as to claim that Iranian rockets will rain down on Tel Aviv if the GOP-led Congress blocks the deal, because that will lead to war with Iran and war will lead to Iranian reprisals against Israel. Never mind that Iranian-made rockets already rain down on Israel every few years thanks to Hezbollah and that the sanctions relief Iran is getting from this deal will help pay for more of them. Never mind too that Israel’s own prime minister seems to think reprisals are a risk worth taking in the name of stopping an Iranian atomic bomb. The point, at least to Obama, is that only a warmonger would oppose this terrible deal, which all but endorses an Iranian bomb 10 years from now. Equating the Republicans in Congress with Iran’s hardliners was his way of suggesting, I think, that both of those groups actually seek war with each other in the name of advancing their own political interests. There’s no such thing as good-faith opposition to an Obama policy, at least outside the Democratic caucus. If GOP hawks hate his nuclear deal, it can only be because they’ve got Gulf War III on the brain and refuse to let some master stroke of diplomacy deter them.

In fact, that’s basically an Iranian talking point coming out of the president’s mouth, that some elements of the U.S. government are stone-cold fanatics who’ll accept nothing short of war with Iran. You hear a lot of Iranian talking points coming from the White House lately, curiously enough: Ed wrote this morning about John Kerry warning his former colleagues in Congress not to “screw” the country’s lunatic supreme leader by torpedoing a deal he kinda sorta supports. Here’s another choice bit from the same interview when Kerry was asked why we would agree to advanced enrichment 10 years from now by a country that’s sworn it’ll destroy Israel:

Though he says he is in tune with this set of Israeli fears, he does not endorse a view widely shared by Israelis – and by many Americans – that Iran’s leaders, who have often said that they seek the destruction of Israel, mean what they say. “I think they have a fundamental ideological confrontation with Israel at this particular moment. Whether or not that translates into active steps to, quote, ‘Wipe it,’ you know…” Here I interjected: “Wipe it off the map.” Kerry continued: “I don’t know the answer to that. I haven’t seen anything that says to me – they’ve got 80,000 rockets in Hezbollah pointed at Israel, and any number of choices could have been made. They didn’t make the bomb when they had enough material for 10 to 12. They’ve signed on to an agreement where they say they’ll never try and make one and we have a mechanism in place where we can prove that. So I don’t want to get locked into that debate. I think it’s a waste of time here.”

That’s some fine PR for the mullahs: They haven’t tried to destroy Israel yet, and as far as what the future holds, who knows? And yet it’s the GOP, according to this guy’s boss, that’s making common cause with Iranian lunatics, not the White House. Over to you, Michael Weiss:

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Michael Weiss
@michaeldweiss

Please posit these two news stories, conveniently placed side by side.

2:03 PM – 5 Aug 2015
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Two clips for you here, one about “common cause” and the other of Obama acknowledging that, sure, some of the money Iran gets after sanctions are lifted will go towards funding terror. This too he defends as if his deal was the only possible outcome of the negotiations: Sanctions relief was always going to be part of a nuclear agreement, he notes, so if you oppose that, you oppose diplomacy altogether. That would be a fair point if the agreement had produced something more meaningful for the U.S., like a permanent end to Iranian nuclearization. If the program had been “dismantled” rather than simply slowed down for 10 years, even Netanyahu could have gone along with it; the benefit would have been worth the cost of some extra cash in Iran’s terror treasury. Instead they got the money and we got nothing more than a 10-year respite from having to decide what to do about a fanatic Shiite regime with nuclear “breakout” capacity. And you know what the weirdest part of all of this is? For all their demagoguery and desperation in pushing this deal, Obama and Kerry don’t need to sell it at all. There’s nothing the GOP can do to stop it. The purchase has already been made in Congress. Obama and Kerry are getting nasty here not because they think it’s essential to getting Democrats to buy in but because, I think, they simply resent having their diplomatic master work criticized so sharply. It’s personal.

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Barack Obama’s Lowest Moment Yet? – John Hinderaker

Today President Obama gave a speech at American University, urging acceptance of his nuclear deal with Iran. It was the usual exercise in deception and demagoguery, and he skated up to the edge of accusing opponents of the deal – a majority of Americans, apparently – of treason.

After some initial reminiscence about the Cold War, Obama leaped right into misrepresenting the agreement’s terms:

After two years of negotiations, we have achieved a detailed arrangement that permanently prohibits Iran from obtaining a nuclear weapon.

The “prohibition” consists of a pious declaration by Iran which it can repudiate at any time. The agreement contains no provisions that will permanently impede Iran’s ability to acquire nuclear weapons. The provisions that (if adhered to) would materially impede Iran’s nuclear weapons program expire in no more than 15 years.

Next, the president offered up a revisionist history of the war in Iraq–a topic of dubious relevance at best:

[M]any of the same people who argued for the war in Iraq are now making the case against the Iran nuclear deal.

Whereas others who argued for the war in Iraq are now making the case in favor of the Iran deal–Joe Biden, John Kerry and Hillary Clinton, for example. So what? Next comes a breathtaking series of lies:

I said that America didn’t just have to end that war – we had to end the mindset that got us there in the first place. It was a mindset characterized by a preference for military action over diplomacy; a mindset that put a premium on unilateral U.S. action over the painstaking work of building international consensus; a mindset that exaggerated threats beyond what the intelligence supported.

No American administration has ever preferred war to diplomacy. The war in Iraq was anything but unilateral, as more than 20 countries participated in the U.S.-led coalition. And the intelligence on Iraq’s WMDs was not exaggerated, as we know from the now-public October 2002 National Intelligence Estimate. (Nor, as we now know, was that intelligence entirely wrong.)

Obama recites Iraq’s recent history, but leaves out a key point:

Today, Iraq remains gripped by sectarian conflict, and the emergence of al Qaeda in Iraq has now evolved into ISIL. And ironically, the single greatest beneficiary in the region of that war was the Islamic Republic of Iran, which saw its strategic position strengthened by the removal of its long-standing enemy, Saddam Hussein.

Obama neglects to mention his own role: in 2011 he prematurely withdrew all American troops from Iraq, crowing that Iraq was then “sovereign, stable and self-reliant,” a fact that Vice-President Joe Biden hailed as one of Obama’s “great achievements.” Iraq was sovereign and stable but not, as military leaders warned, entirely self-reliant. It was Obama’s needless withdrawal of the last American troops that allowed Iraq to spiral toward chaos and permitted ISIS – the Islamic State in Syria – to move into Iraq. But Obama has never once in his life taken responsibility for anything.

Who is to blame for Iran’s nuclear program? Why, President Bush, of course!

When the Bush administration took office, Iran had no centrifuges – the machines necessary to produce material for a bomb – that were spinning to enrich uranium. But despite repeated warnings from the United States government, by the time I took office, Iran had installed several thousand centrifuges…

IAEA reports indicate that Iran’s Natanz facility had around 5,500 centrifuges when Obama took office, and over 15,000 by May 2015. With the Fordow facility, Iran now has around 19,000 centrifuges operating. But it’s all Bush’s fault!

As always, Obama misrepresented the terms of the agreement. These are issues we have written about many times, so I won’t address those misrepresentations in detail. But here are a couple:

If Iran violates the agreement over the next decade, all of the sanctions can snap back into place. We won’t need the support of other members of the U.N. Security Council; America can trigger snapback on our own.

Sheer fantasy. Much of the sanctions relief that Iran most craves can never be taken back–most notably, the $100 billion to $150 billion in frozen funds that will soon flow to Tehran. Further, all commercial deals that are entered into during the period of sanctions relief are excepted from future sanctions.

Even with those huge loopholes, the “snap back” is a fiction. Even U.S. sanctions will not “snap back” automatically; they will have to be reimposed by Congress and implemented over a period of time. We will have no control over whether the E.U. reimposes sanctions. The supposed “snap back” mechanism is limited to U.N. sanctions, and, as I wrote here, it is doubtful whether paragraph 37 of the agreement, the purported snap back provision, would actually cause U.N. sanctions to be reimposed based on the vote of one member of the Security Council.

It is true that if Iran lives up to its commitments, it will gain access to roughly $56 billion of its own money – revenue frozen overseas by other countries.

This is a very recent and highly dubious talking point. Until the last week or two, as I wrote here, every source I am aware of has long estimated Iran’s frozen assets at $100 billon to $150 billion. In fact, the Treasury Department, which John Kerry cited as the source for the administration’s new number, pegged the frozen assets at “approximately $100 billion” in sworn testimony before a Congressional committee in January of this year. And that is just a down payment on the economic benefit that Iran’s mullahs will receive from the end of sanctions.

No doubt the worst portion of Obama’s speech is the one that has gotten the most attention. Note how Obama walks right up to the line of accusing Republicans in Congress of treason:

Just because Iranian hardliners chant “Death to America” does not mean that that’s what all Iranians believe. (Applause.)

No, but it is what Iran’s rulers believe. Iran’s Supreme Leader frequently leads mobs in chants of “Death to America.” Does Obama think he is kidding?

In fact, it’s those hardliners who are most comfortable with the status quo. It’s those hardliners chanting “Death to America” who have been most opposed to the deal. They’re making common cause with the Republican caucus. (Laughter and applause.)

If Obama had said that the Republican caucus is making common cause with Iran’s hardliners, it would have been an unambiguous accusation of treason. By phrasing it the other way around–the hardliners are making common cause with Republicans–Obama gives himself a slight margin of deniability. But either way, it is a disgusting slander.

It is also delusional. Iran’s hardliners are the regime in power. The mullahs are not aligning themselves with Republicans; on the contrary, they are trumpeting the fact that they got everything they wanted in their negotiations with John Kerry and Barack Obama. But Obama can’t, and won’t, confront that reality. He will just go on slandering his political opponents and lying to the American people.

Barack Obama is a terrible president, but he is a worse man.

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State Department Unaware Of Reports Iran Is Sanitizing Nuclear Sites – Washington Free Beacon

State Department spokesperson Mark Toner said he was unaware of reports that claim Iran is sanitizing a suspected nuclear site on Wednesday.

Bloomberg reported that Congress has received evidence from the intelligence community that Iran is sanitizing a suspected nuclear military site at Parchin.

Toner was asked if the State Department has seen the report.

“The U.S. intelligence community has informed of evidence that Iran was sanitizing its suspected nuclear military site at Parchin in broad daylight days after agreeing to the nuclear deal with world powers,” the reporter said. “The new evidence, which is classified, satellite imagery picked up by U.S. government assets in mid and late July showed that Iran had moved bulldozers and other heavy machinery.”

“I’ve not seen those reports until you just spoke to them,” Toner said. “But, you know, we’ve been very clear that the joint agreement that we plan that you can’t hide nuclear activity. There are traces that remain.”

Toner clarified, saying that he could not elaborate.

“But I can’t speak to that specific instance you’re talking about,” Toner said.

Skeptics of the nuclear agreement have concerns about confidential side deals between Iran and the International Atomic Energy Agency that detail the inspection procedures into Iran’s suspected nuclear sites like Parchin.

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U.S. SENATE HEARING ON THE OBAMA REGIME’S IRAN NUCLEAR AGREEMENT


……………………….Click on image above to watch video.

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