BFCSA Blog

Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

Click on the Cluster Map.

  • Home
    Home This is where you can find all the blog posts throughout the site.
  • Categories
    Categories Displays a list of categories from this blog.
  • Bloggers
    Bloggers Search for your favorite blogger from this site.
  • Login
    Login Login form
  by Paul Barry The Monthly | The Monthly Essays | February 2011 | By mid March, America’s champion fraudster Bernie Madoff will have served two years of a 150-year prison sentence for stealing billions of dollars from his rich and famous investors. As he chalks up the anniversary on his North Carolina jail wall, our corporate cop, the Australian Securities and Investments Commission (ASIC), will have barely begun its action against Australia’s champion wealth destroyer Storm Financial Ltd, whose reckless advice cost 3000–4000 investors in Queensland, New South Wales and Victoria around $3 billion. Yet these financial collapses happened at almost exactly the same time: Bernie Madoff was led away in handcuffs in December 2008, just as Storm’s banks pulled the plug on the big Townsville-based financial planner and its unfortunate clients. There are, of course, huge differences between the two cases, not least that Bernie Madoff pleaded guilty and...
Last modified on
Recent comment in this post - Show all comments
  • doyla66
    doyla66 says #
    Bernie Madoff is serving 150 yrs in jail. Good. His son killed himself in shame. Good. Bank executives are next in line. Even bett
Hits: 2382 1 Comment
Rate this blog entry:
Continue reading
Dear Mr Medcraft IN THE PUBLIC INTEREST I have posted this letter to you but, as the matter is of some urgency I have decided to communicate with you via email. The attached case is relating to a West Australian couple who have discovered proof of fraud by the bank officer. We have the proof and know the identity of the officer. We have uncovered unrelated witnesses who were treated in the same manner earlier and by the same person of interest – the bank officer. Apart from the fact the matter is one of an IMPRUDENT LEND by Legacy Financial, J P Morgan Trust Australia Ltd and then on sold to Bank of New York Trust Australia Ltd, Mr Terence and his wife Marlene have been left to fend for themselves in court without responsible representation.  Once again this involves an elderly couple and their battle to stay in their...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    Mr Medcraft if you are not capable or if you are not interested or if you are not decent enough to prevent this elderly couple fro
  • doyla66
    doyla66 says #
    Do what you are supposed to do Mr Medcraft of ASIC. Your inaction disgusts me. Take action against these bank officers that ere in
Hits: 1740 2 Comments
Rate this blog entry:
Continue reading

Posted by on in Corrupt Regulators
APRA COME LATELY.....After the horse has bolted you IDIOTS at APRA!!!!!  Where were your surveillance techniques the past decade?  So you relied on the banks to tell you the TRUTH?  You trusted the Banks to be honest with MONEY?   Even after the BIG SUB PRIME reveal in America in 2008, you continued to deny any real need for an AUDIT?  Are you kidding us?   Well the Citizens of this Country also trusted the banks, but more importantly the borrowers trusted YOU as watchdogs, along with sisters ASIC, AOFM and RBA.  You lot were paid handsomely to do a very important job and you have all failed miserably and then you had the audacity to lie to the Parliament. So this is not just about LIAR LOANS, its about your looking the other way whilst you KNEW the mass looting was taking place! A day of reckoning is coming your way....bank on it!!! You need to compensate every consumer...
Last modified on
Recent comment in this post - Show all comments
  • doyla66
    doyla66 says #
    APRA - LYING TO PARLIAMENT IS A CRIMINAL OFFENCE. JAIL TIME IS COMING SOON. Pack your bags, kiss your wife goodbye & get ready to
Hits: 1640 1 Comment
Rate this blog entry:
Continue reading
A STUDY by the corporate regulator has uncovered wide-spread problems in how lenders charge mortgage "break-fees", suggesting many borrowers are being overcharged when they refinance. According to the Australian Securities & Investments Commission, three-quarters of the 20 lenders it surveyed failed to hold records of how they calculated how much borrowers should be charged for exiting a mortgage. Lenders typically charge "break-fees" to cover for losses when borrowers extinguish mortgages "early", usually defined as within the first three to five years of a loan. The rationale is that lenders incur expenses - predominantly loan establishment costs when setting up loans - which they recoup as part of the interest repaid, but when a loan is cut short they are left out of pocket. The charging of such fees took hold in the early 2000s after Aussie Home Loans entered the market offering low-to-no fees on the creation of new loans. And...
Last modified on
Hits: 1098 0 Comments
Rate this blog entry:
Continue reading
0 0 0 Gregory Medcraft– Chairman                                                                                   From : Wayne & Carol Styles ASIC                                                                                                                                                 GPO Box 9827                                                                                                                               Varsity Lakes Melbourne, Vic. 3001                                                                                                              Gold Coast, Qld. 4227                                                                                                           27th Sept. 2012                                                                                                       Loan Account #                                                                                                                                          Amount of Loan: $ 389,600                                                                                                                     Date of Loan’s:  Feb. 2005.   June 2007 CC: Denise Brailey, President BFCSA (Inc),       Dear Mr Medcraft  RE: Fraudulent use of Loan Application Forms: Our formal complaint against the lending practises of  the COMMONWEALTH BANK of AUSTRALIA  (CBA) it’s Principals and Agents.     We recently received your woefully inadequate response.   To reply to our extremely serious accusation of fraud, which is a criminal offence, that you replied  :- “The chairman has referred the matter you have raised to the appropriate...
Last modified on
Hits: 1428 0 Comments
Rate this blog entry:
Continue reading
Date: 27th Sept. 2012   Mr Tony Negus APM Commissioner - Australian Federal Police Edmund Barton Building, 47 Kings Avenue, Barton ACT 2600 CC: Hon Mr Robert Clark - Attorney General – Commonwealth Fraud Control 3-5 National Circuit, Barton ACT 2600     Dear Hon Mr. Robert Clark, We  recently received a totally unsuitable response from you (copy attached) regarding our FORMAL COMPLAINT against the COMMONWEALTH BANK of AUSTRALIA (CBA), it’s Principals and internal Agents. Rampant bank fraud is destabilising the economy and I am fully aware of the part my loan must have played in the overall activity.   The Fraud and Corporate Crime Group DOES have responsibility for conducting and assisting in investigations of major and serious fraud.   THIS IS FROM THE AFP WEBSITE : Examples of Commonwealth crimes - report these to the AFP Fraud against the Commonwealth government Theft from the Commonwealth government    Apart from...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    Carol & Wayne, I admire your pluck. Keep banging these doors, they will remember you and keep hoping you'll go away!
  • doyla66
    doyla66 says #
    Wayne & Carol - great letter once again - keep on hammering them & we will keep cheering you on
  • doyla66
    doyla66 says #
    Many thanks 'Outraged' regarding the 'radio-active' Commonwealth of Australia's --AOFM's hidden "Toxic Waste Dump". May i point
  • doyla66
    doyla66 says #
    WOW... Denise should send us another template so that we can all send another letter to the AFP just as you have done, and inundat
  • doyla66
    doyla66 says #
    Dear Outraged - just copy mine, change it a little bit & use that as a template if you wish. We must ALL keep writing to these use
Hits: 2208 6 Comments
Rate this blog entry:
Continue reading
Home loan providers are being given further guidance on their responsibilities when it comes to exit fees. Early termination fees have been banned on new loans since July 1st 2011, but the Australian Securities and Investments Commission (ASIC) is reminding lenders of their responsibilities to people who borrowed before the new legislation came into force. Research by the regulator shows the outcomes of contested early exit fees tend to favour of borrowers. Over half of consumers who made a complaint had their fee waived or reduced. However, the ASIC review also points out that fewer than one per cent of consumers charged with a fee actually complained. Specifically, the ASIC is urging lenders to apply the latest regulations on early termination fees retrospectively. "While early termination fees have been prohibited on new loans from July 1st 2011, it is important that lenders comply with the law for old loans on which...
Last modified on
Recent comment in this post - Show all comments
  • doyla66
    doyla66 says #
    Damn exit fees... my bank prevented us from selling before the GFC (08) when they gave us wrong break cost figures.. $32K when it
Hits: 1629 1 Comment
Rate this blog entry:
Continue reading
Today in the mail i received a letter addressed to the 'Householder' containing the following information;   Dear Householder The Australian Crime Commission Board has recently warned that organised criminal groups are targeting the savings of Australians through investment frauds. Many Australians, including experienced investors who undertake research, have lost their entire retirement savings to these investment frauds. Law enforcement advises that the criminals offering these investment opportunities use persuasive cold-calling tactics, sophisticated websites and legitimate-looking brochures. Australia Post is partnering with the Australian Crime Commission, the Australian Securities & lnvestments Commission and every state and territory police force in the country to further raise awareness of these investment frauds and provide information on how to prevent becoming a victim. Please be aware of this risk if you are called at random by someone offering an unsolicited investment opportunity. To protect yourself you can: Visit www.moneysmart.gov.au or call 1300 300 630 for further information or advice. Alert your family...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    “Organised criminal groups are targeting the savings of Australians through investment frauds.” It means the Banks! "Many Aust
  • doyla66
    doyla66 says #
    Yes we got one too, i didn't realise that they were sent out all over Ausralia. We are definitely making waves with all our letter
  • Denise
    Denise says #
    ACCC deciding to warn on foreign fraudsters targeting the vulnerable Aussies. What about our Aussie Banksters targeting the same
Hits: 1655 3 Comments
Rate this blog entry:
Continue reading

Posted by on in Corrupt Regulators
A SINGLE mother with few assets and huge loans was trapped in "a dreadful debt spiral" after Macquarie Bank granted her a $2 million line of credit to invest in Storm Financial, a Brisbane Federal Court heard this morning. Douglas Campbell SC, representing Storm class action litigants against the bank, launched their opening address before Justice John Reeves this morning. The court was told that Brisbane mother-of-three Tracey Richards had just $24,0000 annual income, no real property and heavily encumbered assets when Macquarie approved the margin loan in 2006. Ms Richards, 49, did not have the capacity to service the loan and was repeatedly forced to sell units in her Storm fund just to make payments and supplement her income as a receptionist, the court heard. Additional draw-downs on the $2 million line of credit meant her debt "increased exponentially" but these transactions delivered thousands of dollars worth of fees to...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    Sounds like pure asset lending.
  • doyla66
    doyla66 says #
    Suggestion: BFCSA stand 'outside' Briso Supreme Court - free country still?, maybe just(?) justice for all (X)
Hits: 1332 2 Comments
Rate this blog entry:
Continue reading

Posted by on in Corrupt Regulators
The Australian banking regulator has put bank boards on notice over mortgage lending standards amid signs competition for market share is driving increasingly risky practices. In a letter addressed to chairmen, the Australian Prudential Regulation Authority reiterated the need for appropriate pricing, adequate loan-to-valuation ratios, loan service­ability and other risk criteria. “In effect, APRA is asking boards are they satisfied with the credit standards in their bank,” one bank source said. “It’s certainly got a few risk ­officers going with board reviews.” APRA is concerned the lower overall growth in mortgage lending has led to instances of overly aggressive competition and is not happy some lenders have “only” eased standards to what they were before the global financial crisis. “When they hear language [from the banks] like ‘we tightened up lending standards during the GFC and we are just going back to normal’, that gets [APRA’s] attention,” said one industry executive....
Last modified on
Recent comment in this post - Show all comments
  • doyla66
    doyla66 says #
    AOFM 'heads-uo': Fitch Ratings, delinquencies 30-days+"RMBS"(toxic)sector hit 1.79% 1st quarter 2012, highest since 2003.
Hits: 1764 1 Comment
Rate this blog entry:
Continue reading
NSW Contract Review Act 1980 had provisions for finding of  UNJUST CONTRACT and the Khoshaba case was the first one through the gate around 2005.  The case also won on Appeal.  The Streetwise case was based on similar lines but added IMPRUDENT LEND.  There was little remedy for consumers living in other states, other than unconscionable conduct.   I pointed this out to Authorities and ASIC, years ago.   The Banks knew that only NSW victims could get mortgages extinguished and other states were left with little remedy except for UNCONSCIONABLE CONDUCT whereby consumers could be slugged for "contributory negligence."  .  Eventually, the Federal Government framed new laws for similar consumer provisions (as in UNJUST CONTRACTS) for all states - NCCP ACT (2009).  YET WITH ALL OF THIS FRAUD GOING ON, ASIC wanted to be fair to Bankers and gave the industry a YEAR MORATORIUM - time enough to write up more dirty loans.  ...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    Disneyland is right, Denise. The entire system is so distorted and crazy that the "victims" are punished and the crims are rewarde
  • doyla66
    doyla66 says #
    My wish is to get my lender into court,the head honcho,put him on the stand and let me question him,just the way his barrister,tri
Hits: 1904 2 Comments
Rate this blog entry:
Continue reading
Tuesday 25 September 2012A former NSW-based mortgage broker today pleaded guilty to 10 charges including providing false information to banks to secure approvals for home loans of more than $3 million over a five month period.The charges laid against Daniel Nguyen, 45, of Panania, are the first criminal charges brought by ASIC under the National Consumer Credit Protection Act 2009 (National Credit Act).Mr Nguyen appeared before Sydney’s Downing Centre Local Court and pleaded guilty to 10 charges. He has admitted to: nine offences against section 33(2) of the National Credit Act for providing false documents to banks for nine home loans totalling more than $3 million between 29 July 2010 and 7 January 2011, and one offence against section 11.2(1) of the Commonwealth Criminal Code and section 123(6) of the National Credit Act for assisting three clients to apply for credit contracts that were unsuitable for them between 28 September 2010...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    Good news. But - the BANKS MUST BE PROSECUTED. BANKS PLANNED TO BLAME THE BROKERS ALL ALONG! NOTE : This also applies to BANKS in
  • doyla66
    doyla66 says #
    Marie, maybe broker blew whistle on CM(sent u email)& you never 'knowingly' waived your 'consumer rights' & bank can't contract ou
  • doyla66
    doyla66 says #
    This is great news. Now, the two brokers that fudged the LAFs in my case are very cocky and keep on telling me that my loans were
  • doyla66
    doyla66 says #
    Hi Maria, the cocky brokers may have got you to sign a Business Declaration but they cannot hide behind that - fraud is still frau
  • doyla66
    doyla66 says #
    BROKERS - I SUGGEST THAT YOU CONTACT DENISE @ BFCSA URGENTLY & TELL HER WHAT THE BANKS MADE YOU DO! GREAT NEWS. THE LEGAL PRECEDE
Hits: 2190 10 Comments
Rate this blog entry:
Continue reading
* RBA: banks should not take risk to meet unrealistic profit goals   * No sign yet of inappropriate risk-taking by Australian banks   * Euro zone, slower global growth pose risk to world financial system (Updates with analyst comment, market reaction)   SYDNEY, Sept 25 (Reuters) - Australian banks are well placed to cope with any shocks from abroad, the country's central bank said on Tuesday, though it also warned them against taking inappropriate risks in order to achieve unrealistic profit goals.   In its semi-annual Financial Stability Review, the Reserve Bank of Australia (RBA) highlighted Europe's debt crisis as a threat to the stability of the global financial system as well.   At home, it noted that subdued credit demand and higher funding costs had made for a highly competitive environment.   "Looking ahead, how banks respond to these obstacles to profit growth could be a key factor for...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    How about rogue - it fits well!! Rogue Bank of Australia!
  • doyla66
    doyla66 says #
    I thought the 'R' stood for Robber... Or maybe it was Rong (with a silent 'W') or perhaps Rort Hmmmm
  • doyla66
    doyla66 says #
    Royal Banksters of Australia inhabit another place high above the real world of borrowers with dirty fraud loan applications. If t
  • doyla66
    doyla66 says #
    Julia Gillard and your associate collegues, can you not hear the call coming from your people who are crying out to you for help a
  • doyla66
    doyla66 says #
    JULIA GILLARD PM & TONY ABBOTT - YOUR COUNTRY NEEDS YOU - TO STOP THE RAMPANT CORRUPTION IN THE BANKING INDUSTRY.
Hits: 1817 7 Comments
Rate this blog entry:
Continue reading
With a crime of this magnitude, there should never be rules and regulations that prevent fraudulent documents from being investigated. Why is the claim amount more important than the actual fraud? how do they rationalize this. At least examine the illegalities within the complaint before giving us the heartless flick. These positions attract a certain type of person - yes one who lacks integrity.These rules are obviously set up by the banks to protect themselves  - it also gives them the liscence to run riot and rob us blind and get away with it - it stands out like a red beacon. So why can't the regulators see it?? I say they can see it very clearly as they were in favour of it in the setting up stages. (money talks) This is why our letters asking for help are met with a white wash every time. Their scheming self amusing little game is...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    FOS really is mis-named - it is NOT an Ombudsman Service at all! It is an Organisation about Obstruction & Obfuscation! Those foss
  • doyla66
    doyla66 says #
    Yes - a shocking state of affairs. We are all being severely neglected and hope that the Senate will deliver it's recommendation n
  • doyla66
    doyla66 says #
    FOS also closed our file. Anna Neesham from FOS told us that they would not base their decision on fraud. One of the most shocking
  • doyla66
    doyla66 says #
    Hi Lisa, we have already challenged Fos's decision to close our file several times as it was initially closed 6 months ago. Fos sa
  • doyla66
    doyla66 says #
    Ali, if they reject our complaints or are unwilling to have our disputes on their books we can challenge that, as I understand it.
Hits: 1934 5 Comments
Rate this blog entry:
Continue reading

Posted by on in Corrupt Regulators
APRA just as bad as ASIC  ....go to FOS  not worth opening the envelope. I wasn't expecting anything else.
Last modified on
Recent comment in this post - Show all comments
  • doyla66
    doyla66 says #
    More buck passing. FOS is going to be very, very busy for a very long time.
Hits: 1450 1 Comment
Rate this blog entry:
Lawyers have been warned that keeping to the letter of the law may no longer be enough in commercial matters. The trend in lawmaking now is to add offences of acting dishonestly to corporate criminal law. And it's being left to juries to be the judge of what's dishonest behaviour. Letting juries make the call is common sense because in corporate crime there is often a gap between what existing laws proscribe as unlawful and what the public sees as morally wrong. Dishonesty remains one of the key components of corporate crime and there are moves towards enacting dishonesty offences generally, both within and beyond the corporate crime context, according to former federal crown prosecutor and Australian School of Business lecturer Janet Austin. In her paper, When does sharp business practice cross the line to become dishonest conduct?, Austin gives the example of law firm Clayton Utz advising its client British...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    I agree with the public prosecutor. Most people can make up their own minds about right and wrong. Distortion does occur. If "ord
  • doyla66
    doyla66 says #
    Great blog JJ!! Keep up the good work!
Hits: 1779 2 Comments
Rate this blog entry:
Continue reading

Posted by on in Corrupt Regulators
Australian Office of Futile (Financial) Management run by Rob Nicholl, has still not explained how he managed to approve the offending purchase and why we as taxpayers needed to buy $12 billion worth of JUNK Mortgages in RMBS Packs, then forgot to tell us there were no audits!!! The Federal Government cannot profit from a fraud ROB! Rob purchased the Packs without looking into the bundle or checking to see what the MIX was in terms of LOW DOC LOANS.  When questioned in parliament last Friday (21st) by several Senators, Nicholl was struggling to justify that the Low Docs were not SUB PRIME. He also failed to mention that 10% of the FULL DOCS sold by bank managers to vulnerable people, are also littered with fraud and imprudent lends, meaning the mortgages could well be extinguished as the scandal in Australian Mortgage Backed Securities becomes more bizaare by the minute...... On 8th August...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    ROB NICK ALL - say no more !
  • doyla66
    doyla66 says #
    I'll bet Rob is not game to look! Why doesn't he contact you Denise? What is wrong with these people? Can't they face the truth? A
Hits: 1600 2 Comments
Rate this blog entry:
Continue reading

Posted by on in Corrupt Regulators
Cassimatis may have another story to tell - think outside the square. Do you really trust ASIC????? Why aren't ASIC prosecuting CBA, for approving the loans????  Did the bank officers pump up income on LAFs even higher???? We think so.   So we are now seeking the truth.    Why is ASIC taking the adviser to court?  What about the Bank secret weapon - the engineered Service Calculator?  Which BDM's taught brokers to target "older persons?  ARIP's?  ASIC could have prosecuted all banks involved in 2008........why now? You want the truth?  Follow this saga carefully........... This email address is being protected from spambots. You need JavaScript enabled to view it....
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    ASIC are "big" on the contractual issues (Contract Law). Is this the extent of their capabilities or an ASIC policy? I have anothe
  • doyla66
    doyla66 says #
    Thank God you understand what we are up against it trying to get justice jaycee
  • doyla66
    doyla66 says #
    That is right ASIC - expose them only for MIS and not for LAF fraud. If you did that then AOFM would have to check unregulated RBM
  • doyla66
    doyla66 says #
    Did ASIC do inventory of bankster 'used' white-out bottles or criminal audit of 1000's of full-doc LAF fraud committed by 'real' b
  • doyla66
    doyla66 says #
    Thanks for the insight. Can understand now.
Hits: 3856 6 Comments
Rate this blog entry:
Continue reading
24 September, 2012 Mike Taylor The Australian Prudential Regulation Authority (APRA) has warned financial services companies that the incentives they pay their executives have to be aligned with the quality within the products they sell. APRA general manager David Lewis last week drove home the point to a Financial Institutions Remuneration Group annual conference while at the same time saying that the regulator did not have a problem with how much bank executives were being paid, but "why" they were receiving those amounts. "In the financial sector, as in many other industries, performance-linked remuneration is the norm. And that's fine," he said. "APRA has no problem with performance-linked remuneration. (Indeed, while APRA may be a public sector agency, we too employ performance-based pay structures.) Sometimes these arrangements can be quite complex and incorporate a range of quantitative and qualitative performance measures. But at their heart, these sorts of incentive arrangements boil...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    Interfering in bank junkets would be seen as overstepping the boundaries that separate government from business. No doubt the bank
  • doyla66
    doyla66 says #
    APRA, David Lewis, whoever. It has taken them a super long time to wake up to this issue. Many have spoken about performance salar
  • doyla66
    doyla66 says #
    Not to mention the junkets (eg ANZ's). Is APRA doing anything about looking into those? Or should it be ASIC or maybe ACCC?
  • doyla66
    doyla66 says #
    At least APRA are thinking about the incentives that have fed bank culture and still drive bank behaviour. Rewarding short term ga
  • doyla66
    doyla66 says #
    Got to give Kudo's when it is warranted. Admire APRA for their sensibility and logic in this area.
Hits: 1657 5 Comments
Rate this blog entry:
Continue reading
Shane Wright Economics Editor, The West AustralianUpdated September 24, 2012, 2:05 am Frisbees and dogs catching them normally don't pass as debate for banking regulation. But one of the globe's best central bankers, the Bank of England's head of financial stability Andrew Haldane, has drawn the two together in what is a must-read for regulators and bankers everywhere. The case that Mr Haldane has laid out - that we are now demanding so much information from banks that regulators are in danger of not seeing the next Great Recession - is compelling. Mr Haldane, who delivered an address to the world's central bankers at a recent retreat in the US, reckons regulators need to look at frisbees and dogs before coming up with new banking laws. His simple case is that if a physicist were to write down how to catch a frisbee, they would need to understand and apply Newton's...
Last modified on
Recent Comments - Show all comments
  • doyla66
    doyla66 says #
    I like your 'logo' Andy. It sure stands out.
  • doyla66
    doyla66 says #
    thanks John.. "in a aus-sino bankster shop!"
  • doyla66
    doyla66 says #
    This makes me chuckle. A fan of Raging Bull? Charging at the banksters? Do we need a "cape" to protect us from your charge at them
  • doyla66
    doyla66 says #
    The "Dogg-Frank Act" - but can it catch frisbees or dogs breakfast? Time to step back,simplify,focus & ENFORCE! Great Recession mo
  • doyla66
    doyla66 says #
    Simple and tough regulation sounds better than complex and fluffy - but it has to be enforced across the industry to be any use.
Hits: 1687 5 Comments
Rate this blog entry:
Continue reading