{"id":15445,"date":"2020-02-01T09:13:11","date_gmt":"2020-02-01T17:13:11","guid":{"rendered":"https:\/\/travelingboy.com\/travel\/?p=15445"},"modified":"2020-03-12T17:38:26","modified_gmt":"2020-03-13T00:38:26","slug":"why-bernie-iowans-banks","status":"publish","type":"post","link":"https:\/\/travelingboy.com\/travel\/why-bernie-iowans-banks\/","title":{"rendered":"Why Bernie, Iowans? Banks!"},"content":{"rendered":"

Banks, including on Wall Street, fear no one like they fear Bernie. I\u2019m sure they\u2019re not keen on Elizabeth Warren, but Bernie strikes a unique terror, because banks know anyone taking them on will have to wield the bully pulpit against them like FDR did. Bernie can do that. And heading up a ticket, no one else will do as well in critical\u00a0precincts in the upper midwest, Pennsylvania and elsewhere that went for Obama twice, then flipped for Trump when people chose him as the middle finger to Washington, and to Democrats like Obama\u2019s Treasury Secretary, Timothy Geithner,\u00a0who famously stated that housing policies were\u00a0\u201cfoaming the runway for the banks<\/a>.\u201d<\/p>\n

And no one should fear banks more than Iowans. They stand very naked, and very much at\u00a0risk. My dad\u2019s alma mater, Iowa State University, recently issued a report that Iowa farm finances are continuing to erode, with 44% of growers struggling to cover costs. Iowa farm dept hit $18.9 billion in\u00a0the second quarter, the highest level in the country.As it is, government aid is now providing nearly 40% of US farm income<\/a>.<\/p>\n

Climate change isn\u2019t helping prospects. Last year Iowa finished its wettest twelve months since records began, and it also had a rough drought. The most recent National Climate Assessment from the U.S. Global Change Research Program has nothing but grim news for the Midwest<\/a>, including increased humidity and participation, eroded soils, rising temperature extremes, more pests and pathogens and major reductions in agricultural productivity. Worsening health conditions are also in the cards, with substantial loss of life by mid-century<\/a>. Anyone for Medicare-for-All?<\/p>\n

Now contemplate that the banks are about to do to us something similar to what they did to us in the Great Recession,<\/b> from which many have still not fully recovered. If you don\u2019t want to be blindsided, spend some time at Wall Street on Parade<\/a>, where you can learn fun facts like a handful of banks are again up to their ears in derivatives\u00a0exposure, are\u00a0trading their own stocks in dark money pools, and that since Fall the New York Fed has funneled $6.6 TRILLION to trading houses on Wall Street in\u00a0the form of of repurchase agreement (repo)\u00a0loans, keeping the details opaque. There\u2019s speculation by market watchers that the Fed is fueling a\u00a0Ponzi-like rally in stocks. What could go wrong?<\/p>\n

We\u2019d never know that after the financial meltdown the Fed pumped in various bailouts the equivalent of over $29 trillion<\/a>, if Bernie hadn\u2019t hammered away until he finally got that information.<\/p>\n

Banks pulled plenty of tricks pursuing their business model of taking what doesn\u2019t belong to them. Recently Citibank, which foreclosed on homes under an alias, was quietly revealed to have illegally held homes of the market for more than five years while rents are rising dramatically from a shortage of affordable homes for purchase<\/a>. It got a slap on\u00a0the wrist.<\/p>\n

The people Bernie will put in charge won\u2019t just give a slap on the wrist<\/b>. They won\u2019t keep the public from knowing what\u2019s going on behind the scenes, or be pushing for further bank deregulation, like Wall Street\u2019s revolving door minions Trump has put in charge. Or the revolving door minions like Obama put in charge at the behest of Wall Street<\/a>. There will be no Eric Holder put in charge of the Department of Justice to make sure bankers are protected from the consequences of their misdeeds.<\/p>\n

\"Revolving
Revolving Door, by Nancy Ohanian<\/span><\/figcaption><\/figure>\n

I have found from personal experience in Iowa that inaction against bankers behaving badly is a seamless web\u00a0between state and federal public offices.\u00a0The tone is set at the top, and it flows down through all tangential government offices<\/strong>. One of Obama\u2019s greatest failures was setting a tone that talked a good game but threw people under the bus on behalf of banks, which ushered in Trump, who of course has set that tone from day one.<\/p>\n

How do I capsulize over a decade of horror stories, involving one bank that was shut down, and another bank that took it over, both of which used the same foreclosure artists?\u00a0I\u2019ll just give one little slice<\/strong>. I broke my back to pay off in full an unfair settlement\u00a0that was forced on us, to the astonishment of everyone familiar with the case. I relied on a bank\u2019s representations, both verbally and in emails, that it would cooperate with the payoff arrangement being structured. On the appointed day, it reneged on its promise, deliberately sabotaging my ability to pay it off\u00a0in full by the agreed upon plan of having another lender\u00a0buy the note. The bank knew there was no time for due diligence on another arrangement by the loan deadline. It refused to extend the deadline or modify the loan. It did so because my mom\u2019s family farm, outside of Des Moines in a recreation area, was known to be worth far more than what was owed. The bank simply did not want to be paid off. So my mom, who lived with us in DC until we lost\u00a0her\u00a0a year ago at 101, had a very sad note at the end of a life that richly deserved much better. The loss of her farm, the family nest egg, and a great deal more. How does one begin to describe the wear and tear of a krap decade? How does one begin to describe the contempt with which I hold the bankers responsible, or the government officials who enabled them by averting their gaze?<\/p>\n

I know what it\u2019s like to go up against a bank on the bank\u2019s home turf, where every decision is like rolling the dice on the cost of a college education. I know what it\u2019s like to encounter the bipartisan fix for political darlings like family-owned and so-called community banks. And I include judges in the mix, because in Iowa they gather campaign contributions to run for retention elections. Over time that\u2019s a recipe for courting pro-business decisions to the disadvantage of individuals. Judges know where the money\u2019s at as well as Willie Sutton did. They can make a seemingly minor unexpected ruling a bank wants that in practicality throws the game. You like judges with a tin cup? Go to Iowa.<\/p>\n

At every government level I encountered indifferent if not complicit public officials.<\/strong>\u00a0It\u2019s a hard education nobody should want, but I have enough stories to fill a book. And may yet do it. Public servants and in particular local prosecutors will claim to be overwhelmed and under-resourced. If you\u2019re not a big headline providing political glory, and you don\u2019t have local political backing and connected lawyers, you can forget about getting a measure of justice on anything that isn\u2019t penny-ante. \u00a0Prosecutors also fundraise from banks and their lawyers. If you\u2019re an out-of-towner, a centenarian widow half way across the country, just have a laugh.<\/p>\n

Consider the regulation of banks in Iowa, a state not known for robust consumer protections in the banking arena.<\/strong>\u00a0The top bank regulator, at the Iowa Division of Banking, is appointed by the governor. The regulator who recently ended his term was a former bank CEO and was formerly the top state bank lobbyist – Chairman of the Iowa Bankers Association – and worked with government relations for the American Bankers Association. The top regulator before that fulfilled his role while serving as chairman of a state bank. The new top regulator was a president and CEO of a financial services holding company, a former chairman of the American Bankers Association and a former chairman of the Iowa Bankers Association, and I gather he will continue on various bank boards.<\/p>\n

These are the people who are to protect Iowans from predatory and\u00a0deceitful\u00a0banks. Except that they are all about protecting bankers. They all know each other, it\u2019s a tight little club in Iowa.<\/p>\n

Several years ago I sent a well-documented history of my experience to the top regulator. His general counsel responded with a note that said \u201cMr. Kaltenheuser, you\u2019ve made some very serious allegations.\u201d It had that sort of legal attitude of \u201cwouldn\u2019t you really like to back off and not say those things about a bank?\u201d I responded that \u201c…yes, I think they’re very serious allegations. But tell me, which ones do you find to be the most serious?\u201d Crickets. Several followups asked the same question\u00a0of both\u00a0the chief regulator and his general counsel. Nothing but crickets. The regulator has a lot of power. If he finds something serious, like\u00a0deceptive practices or fraud, he\u2019s supposed to lift the bank\u2019s license. Well, they\u2019re not very keen on doing that to their buddies. So look away, don\u2019t look close.<\/p>\n

But what of the\u00a0\u201cpeople\u2019s lawyer\u201d, State Attorney General Tom Miller,<\/strong>\u00a0famed for heading up the multi-state investigation of foreclosure fraud against major banks for misleading or fraudulent statements to evict struggling homeowners from their homes?\u00a0A top finance writer, David Dayen, summed up the result,\u00a0\u201c\u2026Miller, the attorney general of Iowa, ran the 50-state investigation of foreclosure fraud, which investigated nothing and moved\u00a0directly to a weak settlement that delivered shortage of affordable homes for purchase<\/a> (hyperlink shortage of affordable homes for purchase.\u201d<\/p>\n

It paid off well for Miller, though. According to Dayen,\u00a0\u201cWithin days of being announced as the lead investigator, we learned that Miller received $261,000 from banking interests for his re-election campaign \u2013 88 times more than he ever took in the previous decade \u2013 and that he personally asked bank lawyers for contributions. Miller then famously told community groups in Iowa that\u00a0‘we will put people in jail’\u00a0for foreclosure fraud, only days later his office backtracked and said they weren\u2019t referring to foreclosure fraud but some separate mortgage fraud investigation in Iowa (which he didn\u2019t put people in jail for either), and then days after that he called the case\u00a0‘inherently civil,’\u00a0and days after that he appeared at the Senate Banking Committee and admitted he had two settlement negotiations with Bank of America within the first\u00a0month<\/em>\u00a0of the vaunted investigation<\/a>.<\/p>\n

In other words he\u2019s a phony, he\u2019s for\u00a0sale,\u00a0and\u00a0you can\u2019t afford him. Miller just endorsed another bankers\u2019 favorite for President, Joe Biden, who\u2019s long carried the water for the finance sector and its most onerous abuses.<\/p>\n

Bernie will set a very different tone at the top, and if Iowans miss the opportunity to help him set it, they do so at their peril.<\/strong><\/p>\n

\"American
American Dream Revisted, by Nancy Ohanian<\/span><\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"

Banks, including on Wall Street, fear no one like they fear Bernie. I\u2019m sure they\u2019re not keen on Elizabeth Warren, but Bernie strikes a unique terror, because banks know anyone taking them on will have to wield the bully pulpit against them like FDR did.<\/p>\n","protected":false},"author":17,"featured_media":7918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[256],"tags":[3319,378,2221,3321,129,3320],"class_list":["post-15445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-banks","tag-bernie-sanders","tag-democrats","tag-iowa","tag-politics","tag-wall-street"],"yoast_head":"\nWhy Bernie, Iowans? 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