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Old 10-29-2008, 01:09 PM   #41
92bDad
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Mavsdog,

Are you willing to give ACORN any Negative Responsibility for events that have taken place?

I have read a few different items that ACORN is implicated to being a part of the Lending/Financial collapse and the voter registration fraud. Yes their are other entities also responsible and deserving of being called out...and they have been. Banks and Contractors...however ACORN was and is also involved with these other parties, yet you appear to be unwilling to acknowledge the part that ACORN plays in these negative activities.

If we site sources, you discredit those sources...you give the appearance that you are unwilling to scrutinize when it comes to ACORN.

Is this a wrong perception?

If you were to list off the questionable activities by ACORN, what would they be?
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Old 10-29-2008, 01:32 PM   #42
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Mavsdog,

Are you willing to give ACORN any Negative Responsibility for events that have taken place?

I have read a few different items that ACORN is implicated to being a part of the Lending/Financial collapse and the voter registration fraud. Yes their are other entities also responsible and deserving of being called out...and they have been. Banks and Contractors...however ACORN was and is also involved with these other parties, yet you appear to be unwilling to acknowledge the part that ACORN plays in these negative activities.

If we site sources, you discredit those sources...you give the appearance that you are unwilling to scrutinize when it comes to ACORN.

Is this a wrong perception?

If you were to list off the questionable activities by ACORN, what would they be?
first of all, it's MAVDOG, no "s", and named after the lovable dog mascot that once graced us in the ole reunion arena. remember how mavdog would be up on the screen? yep, those were good times....

yes, you have the wrong "perception".

as others have pointed out, acorn is obligated by law to forward to the registrar ALL voter registrations that the contract workers (that means they are not employees of acorn) turn in.

as a matter of record, acorn staff examine these registrations and put those that they deem to be suspicious under wrap with a designation for the registrar to look closely at those specific ones. so they are clearly doing what they can to identify and stop the fraudulent registrations these contract workers turn in.

as for the "lending/financial collapse", if the situation was borne on the back of low income or affordable housing lending than yes they would have some role; however, that is not the case, and the mortgage mess is much more widespread than merely in these segments. it is inaccurate to place the blame on acorn, on the cra, or on affordable housing.

the blame for the mortgage meltdown is not solely on any one group, it is shared by the underwriters of the mbs, the lenders who made stupid loans, borrowers who thought that the home values would keep going up and up, and mortgage brokers who put borrowers into loans that were structered in such a way to induce the borrower to complete the loan today when they couldn't afford it tomorrow. that is not acorn btw.

as for what acorn does that I would change, it is the process of paying contract workers for the registrations. paying them by the registration card is just an invitation for fraud imo.

Last edited by Mavdog; 10-29-2008 at 01:33 PM.
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Old 10-29-2008, 02:50 PM   #43
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I want to know what "incentives" are available to banks that meet the CRA. There are penalties for NOT meeting it, but what are the "incentives?"
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Old 10-29-2008, 02:56 PM   #44
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I want to know what "incentives" are available to banks that meet the CRA. There are penalties for NOT meeting it, but what are the "incentives?"
there is a positive result with regulatory agencies for opening branches, acquisitions/mergers. not to mention the positive responses from the locals who are now getting bank services.
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Old 10-29-2008, 02:59 PM   #45
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I don't really think that has much to do with anything in the big picture, and I don't think that Barack Obama is on the phone with ACORN telling them to register the Dallas Cowboys roster, register people multiple times, give them cigarettes and money to do it, etc, etc...I don't know that it's going to help him, I don't think he can be held responsible for all these things that they are in fact doing, but it is still laughable when he says his campaign has nothing to do them.

http://www.pittsburghlive.com/x/pitt.../s_595810.html
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HARRISBURG -- A former staffer for an affiliate of the Association of Community Organizations for Reform Now testified today that the organization was provided a "donor list" from the presidential campaign of Barack Obama in late 2007 for fundraising efforts.

Anita Moncrief, a former Washington, D.C. staffer for Project Vote, which she described as a sister organization of ACORN, said her supervisor told her the list of campaign contributors came from the Obama campaign. Moncrief said she has a copy of a "development plan" that outlines how Obama contributors who had "maxed out" under federal contribution limits would be targeted to give to Project Vote, and that it was her job to identify such contributors....
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Old 10-29-2008, 04:55 PM   #46
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there is a positive result with regulatory agencies for opening branches, acquisitions/mergers. not to mention the positive responses from the locals who are now getting bank services.
Speaking strictly of nationally chartered banks...I don't know for sure about state charters or thrifts, but i assume it's very similar.

Conditional approvals can still be given to a bank with a less than satisfactoy CRA rating. And CRA is only one consideration of the application process. The overall condition of the bank is much more important. There are only 6 national banks that are currently rated substandard noncompliance and there are 207 rated needs to improve. There are about 7500 national banks.

And those people "who are now getting bank services" have been getting bank services all along. Banks don't have to designate areas as part of the assessment area if they don't already SERVE that area with a branch/ATM/etc.
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