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Reality Check

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Reality Check

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NYAG’s Standing to Sue BofA
NY AG Schneiderman Tries to Make the Enforcement Fraud Settlement Meaningful
HousingWire Propaganda Part II: The Irresponsible Borrower Myth, Harry & Louise Style
HousingWire Propaganda Not To Be Believed, Part 1: Re-Analyzing the Data
The Election Reveals the “New” Establishment
Why America Is No Longer the Land of Opportunity
The Revolving Door Spins, the “Consumer” Bureau’s Mortgage Servicing Rules Stink

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Text Analysis

Cloud of Keywords from all content
High relevance
 

people mortgage debt obama it’ pay servicing standards borrowers data loan wealth schneiderman president mods white metrics i’ showalter exhibit vicky enforcement banks average terms credit dave eddie lois sue don’ doesn’ that’ tax power bofa action enforce redistributing deal modification public bad america establishment revolving relief law 30% point consumer financial borrower fraud settlement rate sample economic servicer government bank policy there’ candidate cash good they’ group performance redefault judge didn’ suit process he’ idea americans opportunity bankers here’ violations court sports hadn’ equity injunction money paying big you’ uncategorized share schneiderman’ lines comments matter abigail caplovitz black share field american solvent twitter living digg equitable banker insolvent facebook modified reddit higher payment kind left comply delicious metric card code election days bills country propaganda compliance including taxes establishment’ contempt wells judgment banking let’ couple committee uncured monitoring we’ peter error can’ equal income threshold young remember voters bureau working analysis rich 2012 tweet delinquent year talking high reform elite companies responsible social penalties remedies seek paul consent obama’ reilly o’ default bring live lending rates crisis kids years work wouldn’ application wrong acts subtype married political bankruptcy

Medium relevance
 

employers order rule community redefaulted large” failed debts leagues longer groups 2007-09 language civil stress simply mortgages fans aren’ 51% violation national attached insurance policies voted housing event standard isn’ post-mod chance penalty romney industry dave’ accounts context receipt refuse life ags investment redistribution consumers overhaul security level sellout assume requirements irresponsible monday district depends keeping daily join wait messages grow lead meaningful women modifications defaulted coercive america’ study parasites cir what’ winning screwy happened takes limit office reality aimed understand romney’ explains lifestyle transformational fact worse redefaulting homebuyer’ increasing load predatory electorate minority fraudulently non-whites term 11% politically redefaulters reject wealthy possibility powerball foreclosure rules friends cards learn inadequate 26% shot loans choice face morality showalter’ borrower’ modest neighborhood grand involve welfare cohort percentage negative profitable wealthiest underlying house would’ homes aggressive lifestyle” salary allowed members quarter number drive business presented banks’ plays mofo total partner letter  the sentence explained chanin service notice failure imagine meaning monetary written case circuit obligations of door remedy homeowners problem months enforce” couldn’ obligations documents

Low relevance
 

assume requirements irresponsible monday district depends keeping daily join wait messages grow lead meaningful women modifications defaulted coercive america’ study parasites cir what’ winning screwy happened takes limit office reality aimed understand romney’ explains lifestyle transformational fact worse redefaulting homebuyer’ increasing load predatory electorate minority fraudulently non-whites term 11% politically redefaulters reject wealthy possibility powerball foreclosure rules friends cards learn inadequate 26% shot loans choice face morality showalter’ borrower’ modest neighborhood grand involve welfare cohort percentage negative profitable wealthiest underlying house would’ homes aggressive lifestyle” salary allowed members quarter number drive business presented banks’ plays mofo total partner letter  the sentence explained chanin service notice failure imagine meaning monetary written case circuit obligations of door remedy homeowners problem months enforce” couldn’ obligations documents support democratic cost borrowed shouldn’ involving albeit lives  it complying housingwire vote reported non-monetary  at food establishment” claimed generally play balances chain institutions implementation directing surprising article’ leave care bought piece executives deals writes watching sentences enjoy operations bailed table measure choose corporations freed proposed medicare jail combined damning quote december notify louise spins spend linkedin housingwire release myth compared expensive signed threat recipients small qualified backdrop school broken surely objectively teams struggling regulations embraced 70% month coworkers regulatory biggest services deeply save demand turns great boss common losing regulation kid barely fake underwater 99% strivers letting knowing houses college creates create matters health stopped sharing”  that picked delinquency jobs ability yorkers faced massive leonard store talk penchant sole focus odds inventing requires headline couples limits hoping job servicer” meaningless audience fail represents article such an insolvency weak laws elected everybody’ weren’ grotesquely personal forcing fed queen eric 2013 tweet straight feudal wildly justice basic prove perspective reflect shop wages newly engaged  enforcement charge defaulting decision warren fees dear compensatory outnumber regulator afford writer sanction solely provisions chanin’s city constantly suddenly status november numbers new” contract distress account compare document problems investor fantasy reduction purely remain sound family linkedin the agree bubble talks claims ordering exists agreement making forced defrauded rational one– declining hear questions ticket experienced impact restructuring lobby price hurt worth bush random measures cases values voting poverty traditionally chose processed supposedly defrauding lawsuit creditors subject decide weeks popular theme called brings english explain believed threatened portfolio faith 2007-2009 plain retail liability property record reducing missing expect arbitrary reading documentation action to factors dodge continued fox lens question rose variation funds investors united avoidance pension latino 11th tremendous supposed taxpayers kinds monitor securities  since votes nation elaborate class control unemployment spending wall street potential’ require burden buy confident

Very Low relevance
 
support democratic cost borrowed shouldn’ involving albeit lives  it complying housingwire vote reported non-monetary  at food establishment” claimed generally play balances chain institutions implementation directing surprising article’ leave care bought piece executives deals writes watching sentences enjoy operations bailed table measure choose corporations freed proposed medicare jail combined damning quote december notify louise spins spend linkedin housingwire release myth compared expensive signed threat recipients small qualified backdrop school broken surely objectively teams struggling regulations embraced 70% month coworkers regulatory biggest services deeply save demand turns great boss common losing regulation kid barely fake underwater 99% strivers letting knowing houses college creates create matters health stopped sharing”  that picked delinquency jobs ability yorkers faced massive leonard store talk penchant sole focus odds inventing requires headline couples limits hoping job servicer” meaningless audience fail represents article such an insolvency weak laws elected everybody’ weren’ grotesquely personal forcing fed queen eric 2013 tweet straight feudal wildly justice basic prove perspective reflect shop wages newly engaged  enforcement charge defaulting decision warren fees dear compensatory outnumber regulator afford writer sanction solely provisions chanin’s city constantly suddenly status november numbers new” contract distress account compare document problems investor fantasy reduction purely remain sound family linkedin the agree bubble talks claims ordering exists agreement making forced defrauded rational one– declining hear questions ticket experienced impact restructuring lobby price hurt worth bush random measures cases values voting poverty traditionally chose processed supposedly defrauding lawsuit creditors subject decide weeks popular theme called brings english explain believed threatened portfolio faith 2007-2009 plain retail liability property record reducing missing expect arbitrary reading documentation action to factors dodge continued fox lens question rose variation funds investors united avoidance pension latino 11th tremendous supposed taxpayers kinds monitor securities  since votes nation elaborate class control unemployment spending wall street potential’ require burden buy confident elections party fact-facing advantages electing presidents cycle destroying pick  rather elizabeth amendment 4th unequal couldn’t greater drone-happy base fantasizes exceeds $100 mofo’s nice jackpot megamillions repeatedly blown finally grant  income advocate prerogatives staked lobbyist position curtail modestly comfort fdr lbj reformer fought that– republican arrogance quotes pedigree rejection street’ bankers’ homeowners’ consumers’ dealt endure polling news exit report chosen 93%  more casts 71% color were 13% embarrassing ones” chanin’ clip dick laments morris percentages firm” cfpb’ immigration senior legalization swiftly muscle demonstrations bipartisan minorities booth to– catered republicans advocacy counsel whites gays voters– brown minority” feeding week-worthy pointing frenzy post-election ground lot covered shark establishment by unconscionable based line insolvent wrongdoing solicitousness reveals linkedin delusional frequently banks’ re-election weaker careless departed typicality maker listeners hmmm… can’t cares i’m rarely riff quid things as remarkable right– presidential humiliation humbling– cfpb clay feet– limitation material upsetting avalanche omnipotent grips kingmakers wannabe over-estimate typical mistook don’t encode preferences contributions campaign setback lobbyists post-elected train gravy staffer unlimited essentially devastating socially statute externalization internalization armed profit  now tactics selects closed suggests opposed selection entrenched merit inheritance organization authority bold definition of wikipedia’ “the refer holds visible structures informal suppression and voter news’ voter roll curtailed purges lawyer tricks motivate supremely scholars gupta discovered sounds deepak tenure privacy october amplified heavily difference the distortion stink by bureau’ topic narrowly backs latest basis politics received player attack defend argued heck shot’ meme incompetent slanderous redistribute trust reagan middle enrich righteous poor channels undeserving’ rural suburban undeserving consumer” narrow  poor many’ directed fellow relentlessly coach owner heresy unspeakable rampant gross servicers’ around hmmm smacks programming deep dimon’ incompetence jpm prosecuted scoop chase ceo documented effectively jamie approves rejects ” that everybody’s “i running nfl mlb team commissioners nba redistributer accusing justice– win’ prefer fundamental fairness 47% taboo when opportunity– rage lifetime world’ maintain good-for-nothing variant firm” lazy t pay won’ in-house time-honored lacking responsibility victims feel veterans dry ge’ bleeding calculus penny roads earn society line life lots playing demonstrated benefit personality official relies funded schools ports bridges military  clean tax-payer water drinkable 47%’ smear harvested banquet never-ending feasting unpatriotic immoral spot easy parasitic one criminal survive settled lesson direction pending filed scale larger theft-from-taxpayers propagandists parasitism tax-dodging financed strategies engage decade richest revisit wars raised coffee cup game self-interest approach servicemen commitment purchasing draft-dodger awol here’s supervised tweaked count updated electronic linkedin why opportunity by cling praise sharing fundamentally creation capital unspendable preserve systems suppose fund transfers bargain birthright conversation raise resonance intuitive grouping lifetimes distant initiative proposals birth understands fallen addressing powers contexts taboo anymore our americans’ concentrated nation’ masses reduces it’s reductions signs proudly entitled exchange threaten reforms gentle orchestrate helps ballot defeats dreaming box breaks homecoming grip counsel’ protector structure paid wartime traditional enormously afghanistan iraq– bargain’ premise bracket loopholes closing see– ostensible embedded switch bargain” eliminating ” mr taxing legislative clinton basketball website baseball as “one hometown describes ” guess morrison forrester leading football outcomes equalizing link outlawing preventing firms advising works prize solution branding brilliant bureau’s revenue recoil redistributing’ capping concept caps– caps makings embrace revenues share” synergistic luxury “assistant tax” director that most connection fallacy their involved  to biology demands blindly opportunity’ mantra repeat federal chemistry acknowledge questioned dogma religious zealots geology astronomy physics closed-eyed dorothy advisers opportunity what’ litigation transactional management striking domestic inability foreign ” mofo “it ruby clicking evolution slippers shaping played suffer richer incomprehensibly quality seeks non-compliance assuming alleges fine” useless refusal consulting checks proved appropriate– of the seriousness resources contemnor’s trinity indus deems coerce 1493-94 inexplicably suing completely insist looked pre-settlement trash effort constant seemingly continuing systemic leads insight decides requested bunch handful triumphs– effort– line it’ about compliance bringing ‘requirements  “measured discretion fashioning remedial ’” quoting  1298 miami dramatically florida and if the agrees that if the risk genuinely interested admittedly recitation coercing citronelle-mobile may impose harm magnitude character impose threatened by contumacy suggested effectiveness probable establishing “in  incarceration expenses attorney’s workers 303-04 beach daytona smalbein v impotence effective midwestern town calls only” who’ local hold holding entrenched” heroes of harry personifies pushes tale showalter egregious– pitched as archetypes policy-killing copy evil because “ lifestyle– primary view median-priced redefaults obligation limited wild stable forms goodness archetype identity derive values– purpose membership incidentally co-workers loss-of-face invocation modify rock’ schoolhouse excited model preamble preschoolers transnational believing watch genre actions finds cover settlement’ prior injunctions ineffective equally typically parasitical heel tool marketing lifestyles” borrowers’ matrix invented candidates identify veritas mattered rejected congress signatures enforcers’ harry style by analyzed profligate showing individually named superficially bother created tied convincing clearer justification pushing says “  ” and” nforce luck rates– generous lawyers wordy repeating statutes contracts virtually brethren meaningful by linkedin ny glad meet announced major abuse overcharge entity intend chump suits exposed idiots feds regulators bypass spelled noncompliance quarters– screwed institutionalizes ii– provision– interprets violate perfect properly  i argument falls rises naked check confronting check emperors meet congress hire bofa by foreclosure nyag’ advocates fight for which servicer’s sign– heard champagne popping ii’ provision structured redundant failures deal– enforceable relief… expired cure penalties… hinges dialogue violation” bolded impunity pigs troubling defined authorities enforced of exhibit subsection implementation” definitions general incorporated exhibits thinks irrelevant 10% complete glittery golden timeline defendant focuses conflict risking focused   for letter– perform– facing department bigwigs guess straightforward blush suing at adjusted trumps conflicts references love settlement– performance” litigators deficiency correct staffed task signature produced buyer’ remorse dictated fargo learned 1000x c’ slaughtered hogs fat legalese maximum quarters population deterrent served intends initial borrower’s deficiencies e-1 ones– collected submit trigger year– acknowledgement receive corrective injunctive pursuant see exhibit filing  1 his press targeting speculation increases 73% 22% signals 95% close 34% 41% 56% 37% leaves representing systematically conclusion the average for wait– unable address reported how purported the average person update borrowers… screen flat  decking sprees tv’ jewelry self-indulgent  living vacations shopping mod-freed inadequate it’ presentation incoherent pre-mod fixates blew bad’ expected 25% substantially” discussed characteristics loads subset  who delinquent– fixated due– 60-days tracked jumbo modification so crises dealing setup skewed alt-a subprime 50% overwhelmingly strongest there– surprise holder deadbeats trouble  still erodes tipping story stressed unsurprisingly borrower– baseline predictor 2009– 16% accounts in lines” active pleasure chasing rolling charging maintaining priced junk worked homebuyers-as-taxpayers led mortgage-loan purchase payments abandoning marketplace adding appraisal underwriting widespread misapplying cheaper steering homebuyers-as-pension-fund-participants lying protectors misdeeds crisis-causing accountable issue modifying passivity difference pocket held dollars criminally manufactured investing mortgage-backed documents to foreclose lowering justify people’ suborning principal are still redefaulters– groups–  snark down distressed claim mortgagee existing rang falling overdue discretionary applied decided distressed proportion differently behaved rolled solvent let’ faces all their homeowner inadequacy avoiding whine hurting inflated falsely responses refinancings responded lender-inflated collapse triggered filled housing-related stepped recession exacerbated understood importantly commute slide frame  what reliable comfortable lexus taurus expensive”  lois automobiles idealize separates commuting statements ominous spin glance vicki includes buying lender big-ticket machines washing beds items retailers short same-as-cash time-limited couches stores homedepot repay assessing lowes $300 types striving unsurprising area commutes contrast nature prices stability wholesome t-be-helped rapidly 20-something offense driven profile employer someone’ decreases but we median footnote precise  they developing metro-suburban histories child-labor skipped student childhood brave convenient house-buying economists graduating graduates neighbors names anonymously children locally conventionally miles nearby intended realize person’ subtitled large“ six-and-a-half modification” purports interpreted justified bank-exonerating friday data by trump differences priorities uproot behave allies re-analyzing restructure denied borrower” readable housingwire’ sourcing tables access discuss reporting future steep answer’ assess answer bank-serving wrongness length mythology sold presents to recap interpretation highly situation portion presenting properties depreciation harvest consumption  it’ piggy habits incurred lose decline affordable dream composed spectrum eroding suffering fall speculative comment– belong since vicky solving  see highest 128% acceptable rationality home’ economically transplants drawing daves account” experiencing eddies decisions allocation idle comparatively

Highlighted Content Analysis

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Medium relevance
 

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reality propaganda housingwire check

Very Low relevance
 
reality propaganda housingwire check america longer establishment stink reveals opportunity new” revolving consumer” bureau’ mortgage spins door rules election servicing believed enforcement fraud settlement schneiderman bofa nyag’ sue meaningful irresponsible style re-analyzing louise harry borrower myth data