History of The Financial Crisis

National Debt

national debt


Mortgage Related

Government Sponsored

Announcement Date: October 12, 1999


Illustration by Victor Juhasz

Illustration by Victor Juhasz


This is a comprehensive history documenting the events that caused the 2008 Financial Crisis through news articles, documents, and public pronouncements. We hope this resource will assist fraud investigators and activists in understanding the larger context of the battle we are waging to bring truth and shed light on those who are gutting average Americans through back room deals and fraudulent settlements.


9/23/1998 Federal Reserve Announces Conditional Approval of Travelors Merger

12/28/1998 MERS Incorporation – Covington & Burling MERS Inc. Articles of Incorporation(Covington Fax Info), December 28, 1998

9/1/1999 Graham Leach Bliley Act – Covington & Burling

11/12/1999 Pres. Bill Clinton Statement on Signing the Gramm-Leach-Bliley Act 

1/10/2001 Pulling Things Together: The Conversion


7/29/2003 J.P. Morgan, Citigroup Reach Settlement in the Enron Case The Financial Institutions Agree To Pay 

3/16/2005 JPMorgan to Pay $2 Bln to Settle WorldCom Fraud Suit

2/11/2007 Press Release – Iowa Attorney General Tom Miller and State Treasurer Michael Fitzgerald Endorse Barack Obama for President 

9/1/2007 Jamie Dimon becomes a member of the Board of Directors at the New York Federal Reserve Bank. The Federal Reserve boats his credentials, including the steps taken which merged Commercial Credit Company which acquired Travelers Group in 1993. In 1997, Travelers merged with Smith Barney and Salomon Brothers. This new global services company was called CitiGroup, in which Dimon was named President. The merger was a direct violation of the 1933 Glass Steagall Act. 

11/10/2007 Change.org – The Office of the President Elect – The Obama-Biden Plan

1/25/2008 House Of Cards: The Mortgage Mess

3/17/2008 J.P. Morgan Buys Bear in Fire Sale, As Fed Widens Credit to Avert Crisis

8/14/2008 FHA Loss Mit Updates HUD Letter 2008-21, FHA Loss Mit Updates, August 14, 2008

9/9/2008 FTC Bear Stearns Settlement

9/23/2008 Federal Reserve Announces Conditional Approval of Travelors Merger

9/25/2008 FDIC Purchase and Assumption Agreement WAMU

9/25/2008 Government Seizes WAMU-Sells to JPMorgan

10/3/2008 Pres Bush Signes EESA Act 2008

10/15/2008 Jamie Dimon was receptive to TARP Bank Bail-out.

11/21/2008 Fed Official Is Said to Be Choice for Treasury


1/5/2009 President Elect Barack Obama Nominates Thomas Perrelli of Jenner & Brock as 18th Associate Attorney General. He was confirmed by the US Senate March 12, 2009. 

1/9/2009 New York Fed Names Three Senior Vice Presidents and Six Vice Presidents 

1/13/2009 Wider Role Urged for Housing Choice

2/2/2009 CRS: Bear Stearns: Crisis and “Rescue” for a Major Provider of Mortgage-Related Products, April 9, 2008

2/3/2009 Eric Holder leaves Covington to become U.S. AG nominated by Pres. Barak Obama

2/8/2009 Obama announces HAMP

3/4/2009 Home Affordable Modification Program Guidelines March 4, 2009

3/4/2009 Freddie Mac – HAMP Modifications 

3/10/2009 Financial Reform to Address Systemic Risk – Chairman Bernanke

4/6/2009 Introduction of the Home Affordable Modification Program – Treasury Directive 9-01

4/21/2009 Treasury Directive 09-02 Fair Housing Obligations under the Home Affordable Modification Program

5/20/2009 Sec 201 Of The Helping Families Save Their Home Act, May 20, 2009

5/26/2009 Freddie Mac Single Family Servicing Guide, May 26, 2009

7/30/2009 MORTGAGEE LETTER 2009-23 – Hardship Affadavit HUD Letter 2009-23, INTRO MHA-FHA Loss Mit, July 30, 2009

9/11/2009 Home Affordable Modification Program – Data Collection and Reporting Requirements Guidance

11/28/2009 Emergency Economic Stability Act, November 28, 2009 Emergency Economic Stability Act, November 28, 2009

12/7/2009 Regulation B Requirements of Loan Modification FRB Letter CA 09 – 13 – Mortgage Loan Modifications and Regulation B’s, December 7, 2009

12/14/2009 Updates to the Home Affordable Modification Program – Borrower Notices and Requirements for Tax Returns, Income Documentation 

1/22/2010 HUD Mortgagee Letter 2010-04, Loss Mitigation for Imminent Default, January 22, 2010 HUD Mortgagee Letter 2010-04, Loss Mitigation for Imminent Default, January 22, 2010

2/4/2010 HAMP Request for Mortgage Assistance (“RMA”)

3/23/2010 Memo From SIGTARP (Paul Horan), March 23, 2010 Memo From SIGTARP (Paul Horan), March 23, 2010

3/26/2010 Supplemental Directive 09-05 Revised – Update to Second Lien Modification Program (2MP) 

4/14/2010 Barney Frank Lets Angry Mob Loose on Jami Dimon’s Man – “Come to me”

4/20/2010 Fannie Mae Servicing Guide Update, Part VII & VIII, April 20, 2010 

4/22/2010 Remarks by the President on Wall Street Reform 

5/1/2010 Why Mortgage Fraud Matters- Benjamia B. Wagner

5/13/2010 HUD Letter 2010-18 – Property Preservation

6/1/2010 Introduction of Fannie Mae’s Home Affordable Foreclosure Alternatives Program

7/21/2010 Dodd Frank Act – Drafted and lobbied by Covington & Burling

7/21/2010 Summary of Dodd-Frank Act


10/15/2010 Jim Miller quoted re. robosigning

11/15/2010 NTC Robo-signing JPMC


12/9/2010 Joseph A. Smith Confirmation Hearing

1/1/2011 See p. 39 Nationwide Title Office of The Florida Attorney General -Economic Crimes-Robosigning, January 4, 2011

1/4/2011 MOU – CFPB & Conference of State Bank Supervisors

1/31/2011 Joseph Smith Withdraws Bid To Become FHFA Director

2/24/2011 Don’t Believe Everything You Read: The Real Skinny on Servicer Settlement Talks

3/3/2011 AG Settlement Proposal – Settlement Agreement(CFPB Ref. 11x) 27_page_settlement Proposal AG(CFPB-11), March 3, 2011

3/3/2011 AG Proposed Settlement Terms

3/4/2011 Ties to Insurers Could Land Mortgage Servicers in More Trouble

3/4/2011 Behind the foreclosure crisis, big banks’ reign of error

3/4/2011 Settlement Offer Would Force Major Changes to Mortgage Servicers

3/5/2011 MERS? It May Have Swallowed Your Loan

3/7/2011 Cheat Sheet: How the State AGs Want to Revamp Mortgage Servicing 

3/7/2011 Iowa AG says months before final foreclosure deal

3/8/2011 The Proposed Servicing Settlement, Through Servicers’ Eyes

3/9/2011 Shelby Joins Fray Against Servicer Settlement

3/15/2011 Tim Geithner: All Parties ‘Have A Strong Stake’ In Quickly Settling Alleged Mortgage Abuses

3/16/2011 Servicer Settlement Under Fire as Some State AGs Turn Against It

3/18/2011 Justice’s top negotiator trying to navigate the mortgage debacle and strike a deal 

3/18/2011 Geithner Distancing Self from Servicing Settlement Talks?

3/18/2011 State attorneys general in D.C. for talks on fund to aid homeowners

3/28/2011 Banks Draft Settlement Agreement-Settlement Purposes Only

3/29/2011 Shelby Letter to Geithner

3/31/2011 Draft Cease and Desist Orders

3/31/2011 Regulators Ready Enforcement Orders Against Servicers as State AG Talks Stall

4/4/2011 Interagency Review of Foreclosure Policies and Practices – Federal Reserve & OCC

4/11/2011 CFPB and NAAG Pres. Initiative Working Group, April 11, 2011

4/13/2011 Regulators Force Mortgage Servicers to Upgrade Systems, Establish Single Point of Contact

4/13/2011 OCC Takes Enforcement Action Against Eight Servicers for Unsafe and Unsound Foreclosure Practices 

4/13/2011 OCC Consent Order JPMorgan and EMC AA-EC-11-15

4/13/2011 The Federal Reserve Board announced formal enforcement actions requiring bankss to address a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing. These deficiencies represent significant and pervasive compliance failures and unsafe and unsound practices at these institutions.

4/13/2011 FRB Consnet Order JPMorgan and EMC – 11-023-B-HC

5/10/2011 State AGs Offer New Settlement Terms to Mortgage Servicers

5/18/2011 Making Home Affordable Program – Single Point of Contact for Borrower Assistance

5/18/2011 Treasury Establishes Single Point of Contact

5/23/2011 NYAG & CFPB – Judicial Watch Freedom of Information Law Request – re: Records of Meetings & Communications with Elizabeth Warren

6/1/2011 “We’re in the foreclosure business, not the modification business.”

6/1/2011 Interagency Review of Foreclosure Policies and Practices, April 2011

6/9/2011 Treasury Suspends Payments to 10 Largest Participants

6/10/2011 Fannie Mae Servicing Guide, June 10, 2011

6/14/2011 PR Disaster David Lowman Just Got Fired

6/14/2011 JPMC OCC Civil Monetary Penalty AA-EC-11-57 2011-094 $2M

6/14/2011 Servicing Alignment Initiative: Servicer Incentives and Compensatory Fees-Freddie Mac 

6/20/2011 US House of Rep. Financial Committee letter to Geithner re: CFPB

7/6/2011 JPMC OCC Civil Monetary Penalty AA-EC-11-63 2011-105 Bid Rigging Municipalaties $20M

7/6/2011 JPMC OCC Civil Monetary Penalty – Derivatives 2011-108 $13,051,527 

7/21/2011 CFPB Established

7/22/2011 Florida AG’s Politically Motivated Firings Protect the Foreclosure Fraud Industry

8/21/2011 Attorney General of N.Y. Is Said to Face Pressure on Bank Foreclosure Deal

8/24/2011 Eric Schneiderman Removed from Bank Settlement Panel

9/1/2011 Independent Foreclosure Review Engagement Letters

9/11/2011 Deloitte 2011 Consent Order Engagement Letter JPMC

9/30/2011 OCC- Independent Foreclosure Review Engagements Letters

10/1/2011 Banks, Administration Pressure AGs on Foreclosure Settlement

10/1/2011 Freddie Mac HAMP Gov’t Monitoring Data Requirements, October 1, 2011

10/5/2011 Eric Schneiderman, New York Attorney General, Sabotages Bank Reform

11/1/2011 Interim Status Report: Foreclosure-Related Consent Orders, November 2014

11/10/2011 Finally, a Judge Stands up to Wall Street

11/28/2011 Tracey Lawrence, Robo-Signor Whistleblower Found Dead

12/8/2011 JPMC Response to FRM Consent Order

12/12/2011 Florida AG Pam Bondi Pressured By Targets Of Investigations To Soften Approach, Critics Say

12/13/2011 Testimony Julie Williams OCC, Committee on Banking

12/20/2011 Obama and Geithner: Government, Enron-Style

1/1/2012 HUD Explains Avoiding Foreclosures 

1/4/2012 Obama makes Corday Recsess appointment

1/4/2012 Consumer Financial Protection Bureau 101: Why We Need a Consumer Watchdog

1/6/2012 Florida IG Report Edwards and Clarkson Firing

1/11/2012 Justice Department’s No. 3 Stepping Down – Thomas Perrelli

1/19/2012 Banks Want Settlement – Obama Administration Wants Settlement

1/20/2012 Insight: Top Justice officials connected to mortgage banks

1/23/2012 Memorandum of Understanding CFPB and FTC

1/23/2012 Judicial Watch Sues Obama Administration for Documents Detailing Secret Settlement Negotiations with Mortgage Lenders Accused of Faulty Mortgage Practices

1/24/2012 Deal Gets Closer on Foreclosures 

1/24/2012 Remarks by the President in State of the Union Address

1/27/2012 Attorney General Holder Speaks at the Announcement of the Financial Fraud Enforcement Task Force’s New Residential Mortgage-Backed Securities Working Group

1/31/2012 Interagency Guidance Junior Liens Interagency Supervisory Guidance Junior Liens – Accounting, January 31, 2012

2/2/2012 President Obama Speaks on Landmark Housing Settlement with Banks _ The White House, Feb 2, 2012

2/9/2012 Why Millions Won’t Get Help From Big Mortgage Settlement

2/9/2012 JPMC FRB Civil Monetary Penalty AA-EC-2014-64-2015-076 – $0

2/9/2012 Attorney General Eric Holder Speaks at the Mortgage Servicers Settlement Press Conference

2/9/2012 HUD Guide Mortgage Assistance, February 9, 2012


2/9/2012 Mortgage Servicing Settlement

2/9/2012 HUD Fact Sheet-State and Federal Invstigations

2/9/2012 Mortgage Servicing Settlement Press Release – See Speakers and On Stage 

2/10/2012 Attorney General Eric Holder Launches Consumer Protection Working Group to Combat Consumer Fraud 

2/12/2012 HAMP’s Role in the Settlement

2/16/2012 Treasury Supplemental Directive 12-01 – Principal Reduction Alternative and Second Lien Modification Program Incentives Updates.

2/20/2012 States, Obama Shake Down Banks in $25 Billion Mortgage Settlement

2/22/2012 Loyola University – The National Mortage Settlement – Investigation, negotiation, and agreement

2/22/2012 JPMC OCC Civil Monetary Penalty 2012-040 – FC/BK & Loss Mitigation

2/27/2012 Attorney General Holder Names Tony West Third In Command At DOJ 

3/2/2012 Treasury Restores HAMP Payments to Banks

3/12/2012 DOJ Press Release

3/12/2012 U.S. Attorney’s Offices Reach $95 Million Settlement In False

3/12/2012 JPMorgan Chase N.A. Foreclosure and Claims Process Review Report

3/14/2012 US v BoA 12-00361, Doc 4-1 Complaint JPMC

3/14/2012 Fannie Mae Servicing Guide

4/4/2012 Treasury Guidelines Civil Settlement Agreement

4/4/2012 US v BoA 12-00361, Doc 10, NMS Consnet Judgment JPMC

4/4/2012 HUD – Fact Sheet Mortgage Servicing Settlement, April 4, 2012 HUD – Fact Sheet Mortgage Servicing Settlement, April 4, 2012

4/13/2012 Dimon Conference Call 13 April 2012: Not a Criminal Act? – SEC Omitted Dimon Misinformed Investors on April 13, 2012 Earnings Call

4/20/2012 Schneiderman And Mortgage Fraud Task Force: Are We Being Hoodwinked?

4/21/2012 Louisana Sues Bank Under RICO

5/3/2012 MOU – CFPB & Prudential Regulators (FRB, FDIC, NCUA, OCC)

5/7/2012 JPMorgan Chase Whistleblower: ‘Essentially Suicide’

5/13/2012 The toughest guy on Wall Street (Fortune 2006)

5/25/2012 DOJ Press Release – Residential Mortgage-Backed Securities (RMBS) Working Group Announces New Resources to Investigate RMBS Misconduct

5/25/2012 FBI Press Release – Residential Mortgage-Backed Securities (RMBS) Working Group Announces New Resources to Investigate RMBS Misconduct

6/1/2012 Interim Status Report: Foreclosure-Related Consent Orders, June 2012 

6/21/2012 OCC & FRB Financial Remediation Framework

7/2/2012 Overdose: The Next Financial Crisis

7/13/2012 Making Home Affordable Program Dodd-Frank Certification, Borrower Identity and Owner-Occupancy Verification

8/1/2012 Neil Barofsky on the “Broken Promises” of the Bank Bailouts

8/7/2012 Foreclosure Settlement Fails To Force Mortgage Companies To Improve 

8/25/2012 No Crime, No Punishment

10/2/2012 Residential Mortgage-Backed Securities Working Group Members Announce First Legal Action

10/5/2012 JPMorgan’s Zubrow to Retire in Wake of CIO’s Trading Loss – Bloomberg

10/16/2012 Will R-I-C-O Spell ‘Relief’ for BofA Mortgage Borrowers?

10/22/2012 Brennan Letter re: Foreclosure Working Group of Americans for Financial Reform

11/14/2012 The Path to Improving Mortgage Industry Communication with Struggling Homeowners

12/6/2012 MOU – CFPB & United States Department of Justice re. Fair Lending

12/20/2012 MOU – CFPB & FTC Memorandum of Understanding

1/4/2013 JPMC OCC Civil Monetary Penalty AA-EC-13-04 – 2013-002 BSA/AML – $0

1/8/2013 Dimon Leaves New York Fed Board as His Term Ends

1/25/2013 Bucking Senate, Obama Appoints Consumer Chief


2/28/2013 JPMC OCC Civil Monetary Penalty AA-EC-11-15 2013-129 Amends 2011-050 – Independent Foreclosure Review

*3/3/2013 Selling the Home Brand: A Look Inside an Elite JPMorgan Unit

3/6/2013 Transcript: Attorney General Eric Holder on ‘Too Big to Jail’

3/27/2013 National Consumer Law Center-Ltr. To Monitor

3/27/2013 Letter From NCLC to Monitor re. Discrimination

3/28/2013 Lanny Breuer Cashes in After Not Prosecuting Wall Street Execs, Will Receive Approximate Salary of 4 Million Dollars

4/5/2013 New Initiatives Connect Homeowners to Foreclosure Prevention Programs

4/11/2013 Jamie Dimon’s Five Stages Of Grief 

4/12/2013 Settlement Monitor: Issues with Banks ‘Occurring All Too Often’

4/14/2013 Letter From Sen Warren to Holder, May 14, 2013

5/6/2013 Schneiderman Letter to Monitoring Committee

5/14/2013 Senator Warren to Federal Reserve, DOJ, SEC: Have You Researched Costs to the Public of Settlement without Admission of Guilt?

5/15/2013 FDIC Mortgage Loan Servicing Rules, May 15, 2013

6/1/2013 Understanding the National Mortgage Settlement – A Guide for Housing Counselors

6/5/2013 JPMorgan’s Alabama Debacle Set to Cost Bank $1.6 Billion

6/19/2013 HUD Sec. Donovan Reports On NMS

6/20/2013 Detroit’s Debt Crisis_ Everything Must Go _ Rolling Stone

6/26/2013 HAMP architect leaves Treasury for CFPB, Housing Wire 

7/10/2013 CFPB Bulleting 2013-07 – Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts

7/12/2013 Elizabeth Warren and John McCain want Glass-Steagall back. Should you?

7/16/2013 Senate confirms Cordray to head Consumer Financial Protection Bureau

8/17/2013 Mortgage Wars Part 1–Debtor Wins Rare (But Limited) Victory Under TDCA

8/21/2013 Letter From Sen. Warren to AG Eric Holder re. NMS Consent Judgment, August 11, 2013

8/26/2013 Mortgage Wars Part 2–Attack of the Robo-Signers

9/2/2013 Tony West Announces Resigination

9/12/2013 Embattled J.P. Morgan Bulks Up Oversight

9/12/2013 Judge Rakoff Angry With Banks and no Prosections

9/17/2013 Dimon Vows to Fix JPMorgan’s Compliance Problems

9/17/2013 JPMC OCC Civil Monetary Penalty AA-EC-13-75-2013-140 – $300M – London Whale

9/18/2013 JPMC OCC Civil Monetary Penalty AA-EC-13-76-2013-138 – $0 – Robosign Collections

9/18/2013 JPMC OCC Civil Monetary Penalty AA-EC-13-45 2013 -139 

9/18/2013 JPMC OCC Civil Monetary Penalty AA-EC-13-46 2013-141 Billing Practices $60M

9/18/2013 Banking Sector Accountability: Understanding and Handling the Complex “SOX Plus One” Whistleblower

9/19/2013 JPMC FRB 13-031-CMP-HC – Firmwide Risk Management

9/24/2013 JPMorgan, Justice Department in talks to resolve multiple cases

9/27/2013 Dimon meeting with Holder, WSJ


10/2/2013 Banks Face Four New Mortgage Servicing EnforcementTests through National Mortgage Settlement

10/11/2013 Tell me again why Jamie Dimon is still chairman of JPMorgan

10/15/2013 CFPB Provides Guidance on Mortgage Servicing Rules

10/18/2013 JPMC, US Housing Agency Reach $4B Deal: Report

10/18/2013 Treasury Directive 13-09, Making Home Affordable Program – CFPB Mortgage Servicing – irrefutably ties the HAMP to the CFPB Mortgage Servicing Regulations

10/21/2013 Everything You Need To Know About The $13B Settlement 

10/25/2013 J.P. Morgan Settles with FHFA $5.1B 

10/28/2013 FHA HAMP Methods of Communications

10/29/2013 Nobody Should Shed A Tear For JP Morgan Chase

11/15/2013 JPMorgan Settles with Investors $4.5B

11/15/2013 Treasury Directive 13-11 – Handbook Mapping for CFPB Mortgage Servicing Regulations Guidance

11/15/2013 Supplemental Directive 13-11 – Making Home Affordable® Program – Handbook Mapping for CFPB Mortgage Servicing Regulations Guidance

11/18/2013 JPMorgan May End Up Paying Record $13B, Criminal Charges Still Loom 

11/19/2013 J.P. Morgan, U.S. Reach Historic Settlement

11/19/2013 J.P. Morgan, US Settles for $13B

11/19/2013 DOJ Press Release $13B RMBS Settlement

11/19/2013 JPMorgan $13B RMBS Settlement Agreement

11/19/2013 Annex 1: Statement of Facts

11/19/2013 Annex 2: Consumer Relief

11/19/2013 Annex 3: List of RMBS covered by the settlement

11/19/2013 Exhibit A: Claims resolved by the State of New York

11/19/2013 Exhibit B; Claims resolved by the Federal Housing Finance Agency

11/19/2013 Exhibit C: Claims resolved by National Credit Union Administration

11/19/2013 Exhibit D; Claims resolved by the Federal Deposit Insurance Corporation

11/19/2013 It’s official: JPMorgan signs $13B RMBS settlement

11/21/2013 Revolving Door Sham: JPMorgan CFO Admits $7 Billion of DOJ Settlement is Tax-Deductible

11/22/2013 JPMorgan’s top lawyer fires back at regulators

11/26/2013 Cutting to the (JPMorgan) Chase Mortgage Settlement

11/27/2013 JPMorgan Pressured to Reveal $13 Billion Accord Complaint

12/13/2013 Is Bloomberg peeling back layers or just picking at an old scab?

12/19/2013 Attorney General Bondi and OFR Commissioner Breakspear Announce $2.1 Billion State-Federal Settlement with Ocwen Mortgage

12/26/2013 Banking Needs a New Regulatory Structure

1/6/2014 JPMC Madoff Deferred Prosecution Agreement

1/7/2014 JPMC OCC Civil Monetary Penalty AA-EC-13-109 – 2014-001 (Madoff) – $350M

1/7/2014 MHA- Impacts from the New CFPB Regulations, January 1, 2014

1/9/2014 Dimon Gets 74% Raise!

1/10/2014 CFPB – Mortgage Servicing Exam Procedures

1/24/2014 Jamie Dimon Gets $20 Million For His Worst Year As CEO, Why The Big Raise?

1/24/2014 Manhattan U.S. Attorney Sues And Settles With JPMorgan Chase For $614 Million For Fraudulent Mortgage Lending Practices-Keith Edwards

2/3/2014 Mythilli Raman Announces Resignation as Acting Assistant Attorney General February 26, 2014 effective

2/18/2014 A Whistleblower’s Horror Story _ Rolling Stone, Matt Taibbi

3/7/2014 JPMorgan Whistleblower Edwards Gets $64M

4/1/2014 Chain Of Title – David Dayden

4/15/2014 Urban Institute – National Mortgage Settlement: Lessons Learned

4/24/2014 Eric Schneiderman Challenges Obama Administration Over Mortgage Investigations

4/29/2014 Mythilli Raman, Deputy Attorney General re-joins C & B

5/21/2014 JPMorgan Chase CEO on Detroit investment: ‘That’s what banks do’

6/1/2014 Foreclosure-Related Consent Orders Status Report, June 2014


7/3/2014 These Two Execs Could Run JPMorgan While Jamie Dimon Is Treated For Cancer

7/11/2014 DOJ Press Release $7B Citi RMBS Settlement

7/11/2014 Settlement Agreement

7/11/2014 Statement Of Facts

7/11/2014 Annex 2 – Consumer Relief

7/14/2014 CitiGroup $7B RMBS

7/21/2014 DOJ Trains AUSAs to Chase Mice While Lions Roam the Campsite

7/21/2014 Dimon’s Threat to Quit FHA Seen as Pressure Move on Rules

7/25/2014 Big Bank Financial Settlements: Get out of Jail Free Cards?

8/6/2014 A Closer Look at AIG’s $960 Million Credit Crisis-Related Securities Suit Settlement

8/13/2014 Jamie Dimon’s $13 Billion Secret

8/14/2014 Attorney General Pam Bondi Reports: Floridians to Receive More Than $1 Billion in Relief Under National Settlement with Bank of America

8/21/2014 Bank of America to Pay $16.65 Billion in Historic Justice Department Settlement for Financial Fraud Leading up to and During the Financial Crisis

8/21/2014 BOA RMBS Settlement Agreement

8/21/2014 Annex 2 – Consumer Relief

8/21/2014 DOJ Press Conference BoA $16B Settlement-Tony West, August 21, 2014

9/3/2014 Tony West, Top Nemesis of Big Banks, Is Leaving Justice Department

9/24/2014 Eric Holder Basically Tells Wall Street to Beware of Moles, Really

9/24/2014 Eric Holder announces he’s stepping down as U.S.A.G.

9/25/2014 Eric Holder Runs from a Ticking Time Bomb

10/5/2014 Global Financial Crisis: Documentary on Why the World Faces Financial Meltdown


11/3/2014 2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules

11/8/2014 Loretta Lynch nominated by Pres. Obama to be next attorney general.

11/8/2014 Alayne Fleischmann_ From Witness to Whistle-blower

11/11/2014 JPMC OCC Civil Monetary Penalty AA-EC-14-100-14-172 – $0 – London Whale

11/11/2014 JPMC OCC Civil Monetary Penalty AA-EC-14-100 14-159 – FX Trading

11/12/2014 Debts Canceled by Bankruptcy Still Mar Consumer Credit Scores

11/21/2014 New York Fed Is Criticized on Oversight

11/25/2014 Goodlatte, Hensarling to Attorney General Holder_ Why Does DOJ Require Banks to Donate to Activist Groups_ – Press Releases – Judiciary Committee, Nov 24, 2014

11/25/2014 Goodlatte, Hensarling to Attorney General Holder: Why Does DOJ Require Banks to Donate to Activist Groups?

12/12/2014 A Modest Proposal: Prosecute JPMorgan Under RICO

12/19/2014 The ‘Teflon Banker’ gets what he wants

12/29/2014 MRS v JPMC Case Mentioned in Courthouse News Service


1/1/2015 HUD Annual Recertification HUD Annual Re-Certification, January 1, 2015

1/8/2015 Despite Policy Failures, Obama Takes Credit For Housing Recovery

1/9/2015 Bear Sterns Case settled $500M Judge Laura Swain

1/9/2015 JPMC Settles Bear Sterns Securties Litigation – Judge Laura Swain

1/10/2015 A crack in the vault

1/10/2015 Sally Yates Assistant Deputy Attorney General


1/27/2015 President Obama nominates Stuart Delery as the Associate Attorney General

2/4/2015 House Committee Wants Closer Look at Bank Fines

2/17/2015 Holder Sets Deadline for Financial-Crisis Cases Against Individuals 

3/3/2015 U.S. Trustee Program Reaches $50 Million Settlement with JPMorgan Chase to Protect Homeowners in Bankruptcy

3/6/2015 MOU – CFPB & FTC-Renewal

3/31/2015 JP Morgan CEO Jamie Dimon once told Elizabeth Warren to ‘hit’ him with a fine because the bank could ‘afford it’

4/23/2015 Loretta Lynch confirmed as the 83rd U.S. Attorney. 

4/24/2015 Holder leaves US DOJ and goes back to Covington

4/29/2015 Grant & Eisenhofer Announces Beau Biden to Expand His Work with Whistleblowers

5/5/2015 Bank of America and JPMorgan Chase Agree to Erase Debts From Credit Reports After Bankruptcies

5/7/2015 Bank of America’s Relief for Mortgage Borrowers Is Questioned

5/15/2015 Letter From Rep. Goodette to A.G. Loretta Lynch, May 15, 2015 Letter From Rep. Goodette to A.G. Loretta Lynch, May 15, 2015

5/20/2015 JPMC Plea Agreement – Bid Rigging, Price Fixing Foreign Currency

5/20/2015 15-00069 FX-Spot Bid Rigging Plea

5/28/2015 JPMorgan $500 Million Bear Stearns Securities Deal Approved -Judge Swain

5/29/2015 JPMorgan’s Jamie Dimon is fed up with you ‘lazy’ investors voting against him

6/1/2015 Chase Banker Sent to Prison for Taking Bribes in Secondary Mortgage Market Admits Taking Hundreds of Thousands of Dollars in Bribes in Return for Steering Mortgage Loans to Her Co-Conspirators

6/1/2015 HUD – MHA Brochure -HAMP, June 1, 2015 HUD – MHA Brochure -HAMP, June 1, 2015

6/2/2015 Sen. Warren Letter to SEC Mary Jo White

6/2/2015 Podesta Emails – “Intimate Gathering” Invitation to JPMorgan Chase Institute Dinner – Hosted by Jamie Dimon

6/3/2015 Rep. Goodlatte’s Amendment Passes House

6/11/2015 JPMC OCC Civil Monetary Penalty AA-EC-11-15 Amends #2011-050 and #2013-129 #2015-064

6/30/2015 National Whistleblower Appreciation Day

6/30/2015 US v BoA Doc 205 – Monitor’s Report Regarding Compliance by Defendants J.P. Morgan Chase Bank, N.A. For the Measurement Periods Ending September 30, 2014 and December 31, 2014.

7/6/2015 Eric Holder Wall Street Double Agent

7/8/2015 JPMC OCC Civil Monetary Penalty AA-EC-14-64 – 2015-76 – Sworn Doc’s

7/15/2015 Letter from Elizabeth Warren to Julian Castro & Shaun Donovan, July 15, 2015

7/17/2015 JPMorgan reaches $388 million settlement in mortgage securities case – Judge Laura Swain

8/31/2015 NMS Monitor Joseph A. Smith Quietly Reports BK Settlement on website 

9/12/2015 Big Banks Agree to Settle Swaps Lawsuit

9/15/2015 DOJ Must Prove Commitment to Ending ‘Too Big to Jail’

*12/3/2015 JPMorgan Wrote Complaints After Firing a Whistle-Blower

*12/10/2015 He Was a JPMorgan Chase Whistle-Blower. Then Came the Blowback – NYT

10/30/2015 Reg X – Federally Related Mortgages – § 1024.17 Escrow accounts.

11/24/2015 Florida AG – Nationwide Title Clearing -10-3-1207 Assurance of Voluntary Compliance

11/30/2015 JPMC OCC Civil Monetary Penalty AA-EC-11-15 – Terminated

12/11/2015 He Was a JPMorgan Chase Whistle-Blower. Then Came the Blowback. 

1/1/2016 Instructions for Forms 1099-A and 1099-C – Main Contents

1/4/2016 Termination of CMP 2011 Consent Orders

1/4/2016 JPMC OCC Civil Monetary Penalty AA-EC-15-105 – 2016-004 Violated 2011 Consent Orders BK $48M 

1/6/2016 JPMC Violated 2011 CMP

2/5/2016 Attorney General AG Jepsen Connecticut Joins $470 Million Joint State-Federal Settlement with HSBC

2/16/2016 Dodd-Frank’s Risk ‘Council’ Is Just an Unfocused Bureaucracy(Yingling Former CEO American Banker)

3/1/2016 The Trouble with Trump for Bankers

3/14/2016 J.P. Morgan Readies Mortgage-Backed Deal

4/5/2016 U.S. Justice Dept.’s No. 3 attorney stepping down

4/7/2016 J.P. Morgan: We’re Too Big Not to Succeed

4/8/2016 The Myth that Obama’s Taking Huge Contributions from Wall Street Was Fine 

4/11/2016 Goldman Sachs Agrees to Pay More than $5 Billion in Connection with Its Sale of Residential Mortgage Backed Securities

4/11/2016 Goldman Sachs-Statement of Facts

4/11/2016 Goldman Sachs – Consumer Relief

5/1/2016 Procedure Trumps Substance – Joseph A. Smith

5/4/2016 Unpredictable Trump Presents Challenge for Banks

7/1/2016 Home Mortgage Lending in St. Louis, Milwaukee, Minneapolis and Surrounding Areas

7/11/2016 Justice Department Overruled Recommendation to Pursue Charges Against HSBC, Report Says

7/18/2016 Trump Calls for Restoration of Glass-Steagall, Echoing Warren

7/25/2016 Why big banks could be broken up no matter who wins the White House 

8/18/2016 Feds fighting to keep Detroit demo subpoena private

10/4/2016 Big Banks Tweak Business Plans to Avert New Regulator Costs

*10/14/2016 Why did Wells Fargo’s Stumpf lose his job, while JPMorgan’s Dimon kept his?

*10/14/2016 FHA Paid Claims ($2.23 Billion) for an Estimated 239,000 Properties That Servicers Did Not Foreclose Upon or Convey on Time

*10/16/2018 $25-billion foreclosure settlement was a victory for Kamala Harris in California, but it wasn’t perfect

*10/20/2016 Sales Tactic at Center of Wells Fargo Scandal Is Industry Standard

10/24/2016 Peter Schweizer with Maria Bartiromo on new GAI report detailing how the DOJ funds progressive groups

10/24/2016 Peter Schweizer with Megyn Kelly details how the DOJ helped fund progressive non-profits through settlements with financial institutions

10/24/2016 Jamie Dimon Now Has 25 Billion More Reasons To Be With Her


10/27/2016 Jamie Dimon Doesn’t Want His Bankers Reading The Notoriously Foul-Mouthed And Snarky Financial Times

10/27/2016 Backed by ‘Occupy’ activists, Loretta Sanchez criticizes Kamala Harris’ signature mortgage settlement

10/27/2016 Ocwen facing CFPB investigation, potential fine for servicing practices

10/28/2016 Fitch Upgrades Chase’s U.S. RMBS Servicer Rating For Prime Product

11/7/2016 Taxpayers are still bailing out Wall Street, eight years later

11/11/2016 How Letting Bankers Off the Hook May Have Tipped the Election

11/14/2016 Mary Jo White to step down as SEC chief

11/15/2016 2009: The year the Democratic Party died

11/17/2016 J.P. Morgan Will Reportedly Pay $250M to Settle China Hiring Allegations

11/17/2016 JPMorgan Chase Paying $264 Million to Settle FCPA Charges

11/22/2016 Jamie Dimon himself called to urge support for the derivatives rule in the spending bill

11/27/2016 Fed braces for Trump administration shake-up

11/28/2016 Trump is meeting with an ex-bank CEO who wants to abolish the Federal Reserve and return to the gold standard

11/29/2016 Consumer Financial Protection Bureau in jeopardy under Donald Trump

11/29/2016 Former J.P. Morgan rep barred for refusing to cooperate with FINRA investigation

11/29/2016 Trump shifts from Wall St. villain to savior

11/30/2016 Fannie, Freddie need to get out of government ownership: Mnuchin

12/1/2016 Trump unveils plan to dismantle Dodd-Frank Act

12/2/2016 Hillary Clinton’s “Corrupt Establishment” Is Now Advising Donald Trump

12/2/2016 Lessons on leadership from Jamie Dimon

12/11/2016 Why Goldman Sachs Could Again Rule Wall Street



1/6/2017 4 Facts About Covington & Burling, Eric Holder’s Law Firm Poised to Fight Trump

1/9/2017 Wall Street hates the Volcker Rule. Will Trump finally kill it?

1/16/2017 How Barack Obama paved the way for Donald Trump


1/30/2017 The Goldman Sachs Effect: How a Bank Conquered Washington

2/1/2017 The Coming Trump Financial Crash




Washington and Wall Street: The Revolving Door | Want to understand the corruption of DC’s Revolving Door?

11/12/1999 Grahm-Leach-Bliley Act,

C & B Financial Modernization- Grahm-Leach-Bliley Act, C & B, November 12, 1999

Advisory – Doff Frank Act – CFPB, Covington, July 21, 2010

Covington & Burling

Bruce Baird Special Assistant to the Deputy Attorney General of the United States


Eric H. Holder, Jr. Attorney General, U.S. Department of Justice (2009-2015)

1/11/2009 Public Servant’s Private Stint at Issue in Cabinet Hearings

6/28/2012 In Historic Vote, House Finds AG Holder in Contempt of Congress

2/17/2015 Holder Sets Deadline for Financial-Crisis Cases Against Individuals

5/5/2015 Holder’s Return to Covington Was Six Years in the Making

7/5/2015 Holder’s Return to Covington Was Six Years in the Making



Lanny Breuer Assistant Attorney General for the Criminal Division at the U.S. Department of Justice (2009-2013), Special Counsel to President William Jefferson Clinton (1997-1999), and Assistant District Attorney in Manhattan (1985-1989).

3/28/2013 Lanny Breuer Returns to Covington & Burling in New Leadership Role


Mythili Raman Criminal Division, U.S. Department of Justice
Principal Deputy Assistant Attorney General and Chief of Staff (2009-2013) 
Acting Chief of Staff (2008-2009)
Trial Attorney (1996-1999)


James Garland AG Holder’s Deputy Chief of Staff is Returning to Covington


Steven Fagell | Mr. Fagell is former Deputy Chief of Staff and Counselor in the Criminal Division at the Department of Justice. As one of the highest-ranking members of the Criminal Division’s senior leadership team from 2009-2010, Mr. Fagell was a key advisor to Assistant Attorney General Lanny A. Breuer on a broad range of litigation, policy, legislative, and management issue 

5 March 2015: Covington in Century City, CA.

Aaron Lewis Counsel to USAG Eric Holder

Dan Suleiman of Covington & Burling. August 25, 2014. Photo by Diego M. Radzinschi/THE NATIONAL LAW JOURNAL

Dan Suleiman of Covington & Burling. August 25, 2014. Photo by Diego M. Radzinschi/THE NATIONAL LAW JOURNAL

Daniel Suleiman



Loretta Lynch United States Attorney General (2015-Present)


John D. Graubert Federal Trade Commission, Principal Deputy General Counsel (1998-2008)

MERS-eRegistry-Legal-Opinion-1 – Covington & Burling, October 21, 2014
Justice’s top negotiator trying to navigate the mortgage debacle and strike a deal


John Dugan – was the 29th Comptroller of the Currency for the United States Department of the Treasury, sworn in August 2005. He completed his term on August 14, 2010

Resignation Letter from Dugan to Obama, July 8, 2010

John C DUGAN AUGUST 2005 – AUGUST 2010 Joins Covington & Burling

Key vacancies give Obama a chance to steer financial reform

Bruce T. Richards SVP FRB NY (Sept 2011 – Present
Managing Director Chase (1973-1987)

Arlo Devlin-Brown – US Prosecutor joins Covington & Burling 

1/20/2012 Top Justice officials connected to mortgage banks

10/21/2004 MERS-eRegistry-Legal-Opinion-1 – Covington & Burling, October 21, 2004

Jenner & Brock

Thomas J Perrelli Jenner & Block Thomas J Perrelli Jenner & Block
Jenner & Block _ Thomas J Perrelli – My Work
Thomas Perrelli Justice Department’s No. 3 Stepping Dow

Brian Hucek Jenner & Block _ Brian Hauck


Tony West a/k/a CA AG Kamala Harris Brother in Law – Attorney General Appoints Tony West as Acting Associate Attorney General and Stuart Delery as Acting Assistant Attorney General for the Civil Division

Thomas Curry Thomas Curry, Comptroller of OCC
Thomas J. Curry, Chair Neighborhood Works
Thomas J. Curry

Tim Geithner Testimony

William Edgar DOJ Civil Division Senior Trial Counsel Commercial Litigation and Fraud

Richard Cordray, Director CFPB

Wilmer Hale

Stuart Delery

Jonathan Cedarbaum Justice Department’s Office of Legal Counsel (OLC), which provides legal advice to the president and all executive branch agencies.

Jeannie S. Rhee – Jeannie Rhee is a veteran trial attorney. She rejoined the firm in 2011 after serving for two years as a Deputy Assistant Attorney General in the Office of Legal Counsel for the US Department of Justice. From 2000-2006, Ms. Rhee was an Assistant US Attorney in the US Attorney’s Office for the District of Columbia. She serves as chair of the Senior Associates Committee and co-chair of the Diversity Committee.

David Ogden March 2009 -Deputy Attorney General, Brought Stuart Delery as Chief of Staff

Eric Columbus Senior Counsel-Deputy AG

Daphna Renan  Counsel -Deputy AG

Chad Golder Counsel -Deputy AG

Davis Oliver DOJ Commerical Lit. Trial Atty

Todd Stern State Department as special envoy for climate change

Thaya Brook (Knight) Senate’s TARP oversight panel.

Katherine Oyama Office of the Vice President to work as an associate counsel

Morgan Lewis

Brian Ercole – Lynn Szymoniak Cases

Romeo Quinto Romeo S Quinto – Morgan Lewis (on Email from Poyner Spruill w. Joy Palazzo), July 31, 2014

Robert Brochin Szymoniak Cases Robert M Brochin, Morgan Lewis – Def Rep JPMC Szymoniak Cases & MERS, MERS CORP Counsel

Leslie Caldwell Assistant Attorney General Criminal Div. DOJ May 2014 – Present 
Morgan Lewis October 2004 – April 2014

Julian Castro – is an American Democraticpolitician who has been the United States Secretary of Housing and Urban Development since July 28, 2014.

Vincent H. Cohen, Jr, U.S. Attorney, District of Columbia

John G Walsh – WIKI, Comptroller of Currency Aug 10, 2010 – March 2012


Kamala Harris– CA Attorney General 

King & Spaulding Mortgage Servicing Update, April 11, 2012

A.G. Schneiderman-Led State & Federal Working Group Announces $5 Billion Settlement With Goldman Sachs

7/11/2016 Justice Department Overruled Recommendation to Pursue Charges Against HSBC, Report Says

Joseph A. Smith Confirmation hearing Joseph A. Smith

1/31/2011 Joseph Smith Withdraws Bid To Become FHFA Director

Lynn Szymoniak – 60 Minutes

Ballard Spahr 

Anthony Lendez was counsel of BoA from 2008-2010-Now BDO is used for all settlement agreements

Covington & Burling Plucks Bank Dealmakers from Rival Firm

Director of Office of Information Policy DOJ 


Big Bank Accountability

Freddie Mac HAMP
Law Dictionary: Writing Off or “Charging Off” Your Second Mortgage & Putting it into Bankruptcy
Letter From Florida AG Bill McCollum To Jamie Dimon, July 17, 2010
FHA HAMP Program HUD 09-23 – FHA HAMP
Servicer Training on Demand 
Handbooks and Supplemental Directives
Freddie Mac Annual Certification SF Form 16F


Joseph A. Smith, Jr., Partner at Poyner Spruill


Office of Mortgage Settlement Oversight – Joseph A. Smith – Independent Monitor

6/8/2013 Compliance Report JPMC

10/16/2013 Interim Consumer Relief JPMC – G. Monitor’s Review of the IRG’s Assertion on Consumer Relief Credit. 1. Preliminary Review. Preliminary to the PPF’s review of the IRG’s Consumer Relief testing, I, along with the PPF and some of my other Professionals, met with representatives of Servicer to gain an understanding of its mortgage banking operations, SOR and IRG program, and the IRG’s proposed approach for Consumer Relief testing, among other things. During those meetings, Servicer provided an overview and walkthrough of its SOR and described their core processing application for mortgage loans (Mortgage Servicing Platform), core processing application for home equity loans (Vendor Loan System), application used to modify loans (Agent Desktop), foreclosure application for home equity loans (Home Equity FORTRACS), web processing application for short sales (Short Payoff), core processing application for charge-off loans (Recovery One) and web application for tracking the workflow of foreclosure, bankruptcy and post-foreclosure steps

12/4/2013 Compliance Report JPMC

3/18/2014 Final Consumer Relief Report JPMC

3/18/2014 Final Crediting report

6/18/2014 Complaince Report JPMC

12/17/2015 Consumer Relief Progress Report JPMC

12/17/2015 Compliance Report JPMC

3/3/2016 Final Compliance Update

8/31/2015 Monitor Report $50M BK Settlements

8/31/2015 JPMC BK Settlement

Chase RMBS Settlement

5/20/2014 Chase RMBS Setttlement Announcement

7/22/2014 Initial Report – Monitor’s Review Preliminary to my review of the results of the HRG’s Satisfaction Review, I, along with some of my Professionals, met with representatives of Chase to gain an understanding of its mortgage banking operations, SOR and HRG program, and the HRG’s proposed approach for Consumer Relief testing, among other things. During those meetings, Chase provided an overview and walkthrough of its SOR and described its relevant core processing application for mortgage loans (Mortgage Servicing Platform), core processing application for home equity loans (Vendor Loan System), application used to modify loans (Agent Desktop), core processing application for default home equity loans (Recovery One) and the internet and intranet web portal application for digital document access and retrieval for default loans across enterprise document archives (LenderLive). See p. 11

10/1/2014 Consumer Relief Progress Report JPMC Through June 30, 2014

12/16/2014 Consumer Relief Progress Report JPMC Through September 30, 2014

4/2/2015 Consumer Relief Progress Report JPMC Through December 31, 2014

7/9/2015 Consumer Relief Progress Report JPMC Through March 31, 2015

10/1/2015 Consumer Relief Progress Report JPMC Through June 30, 2015

1/12/2016 Consumer Relief Progress Report JPMC Through June 30, 2016

5/26/2016 Consumer Relief Progress Report JPMC Through Sept. 30, 2015

9/22/2016 Final Report: Consumer Relief Through March 31, 2016

JPMC BK Settlement – Belzak Bankruptcy

3/3/2015 USTP Press Release $50M BK Robo-signing Settlement

3/3/2015 Settlement Agreement, Executed by Kevin Waters, February 26, 2015 Chase $50BK Settlement Agreement-Belzak Matter 10-23963, March 3, 2015

12/22/2015 Amy Walsh – Independent Monitor Court Filing

California Monitor

10/2/2012 Waiting for Change: Dual Tracking and Home Foreclosure

11/19/2012 Dollars to Date: The California Mortgage Agreement

6/19/2013 The “Complete” Application Problem: A Solution to Help Homeowners and Banks Work Together

9/24/2013 By the Numbers: Mortgage Relief Across California

12/17/2013 Bank-Consumer Communication: Improvements and Strategies