Holder, Cuomo, Morelle and Rosenhoch

Eric Holder, Attorney General US Dept of Justice.

Let’s talk about his participation in this sad state of America.

  1. A lawyer who does not uphold the Code of Professional Conduct.
  2. A public servant who does not uphold his oath to serve America by upholding the Constitution
  3. A person who, when nominated by President Obama for Attorney General, could not qualify for the position because he lied on his Income Taxes….does a leopard change his spots?
  4. When President Obama dispatched him to New York City to prosecute the criminals, who were students of McKinsey Consulting; his reply to his president was obviously, “how can we do that boss, they contributed money to us too?” Eric’s response to President Obama’s request was to bust 104 Italian Mafioso’s and publicize this. What the Mafioso’s steal is a small pittance compared to what Congress takes on a regular basis in the form of Insider Trading.
  5. Eric Holder was quite busy running an illegal gun sales program to Mexicans through Arizona.
  6. Eric Holder is another counter-productive (for America) politician who fails to live up to the principle of accountability and transparency.
  7. Enclosed are two letters from me to Eric Holder and his response to them. It took him a year to answer the first letter and he never answered the second. My question is to his statement, “who are the correct authorities?” See Letters chapter.

Andrew Cuomo, current Governor of New York State

An analysis by The New York Times shows that of the estimated $7.1 million dollars that the Cuomo campaign has received from political action committees, associations, limited liability corporations and other entities, more than half has come from the biggest players in Albany: organized labor, the real estate and related industries like construction, the health care sector, lobbying firms, insurance companies, and banks.

ANDREW CUOMO’S SCANDAL…

By Ruth King on October 21st, 2010

Cuomo's Quotas

“Remarkably, Cuomo so far hasn’t had to answer for his scandalous past at HUD in his race against Republican challenger Carl Paladino. Only the Village Voice has looked into his role in the subprime scandal.

“Andrew Cuomo, the youngest Housing and Urban Development secretary in history, made a series of decisions between 1997 and 2001 that gave birth to the country’s current crisis,” the Voice concluded. Cuomo refused to talk to the liberal paper.” Cuomo’s Quotas

Posted 10/20/2010 07:05 PM ET

Subprime Scandal: Andrew Cuomo is running for governor of a state whose economy he helped sink when he ran the agency regulating Fannie and Freddie’s “affordable housing” mission.

The Democratic candidate’s role in the subprime mortgage scandal has not come out in New York’s gubernatorial debates or in the media. But he’s a chief reason Fannie and Freddie invested so heavily in the subprime loans still plaguing the mortgage giants and the overall economy.

As HUD secretary from 1997 to 2001, Cuomo pushed government-sponsored Fannie and Freddie to buy more home loans to low-income borrowers with impaired credit, in an attempt to end what he thought was lending discrimination against minorities. By 1999, they had committed $1 trillion in such high-risk loans.

But Cuomo still was not happy. So in 2000, he hiked their affordablehousing quota to 50%. That meant Fannie and Freddie had to devote fully half their mortgage financing to “underserved” borrowers with unproven or damaged credit. To help them meet that drastic new goal, Cuomo pressured them to relax their lending criteria and invest in subprime loans. He also authorized them to buy subprime securities.

This isn’t ancient history. The quota Cuomo set in 2000 remained in force through 2004 and beyond. Four years after he required Fannie and Freddie to commit half their lending to support affordable housing, they together commanded almost half the subprime securities market.

Credit quality suffered while risk soared. By 2005, most of the loans they’d bought had down payments of 3% or less. Many had no down payment at all. By 2008, Fannie and Freddie had drowned in a toxic soup of bad subprime paper.

Relevance to New York voters? Like the rest of taxpayers, they are on the hook for an estimated $1 trillion in losses in what could end up being the mother of all bailouts. Meanwhile, related foreclosures are still rattling Wall Street.-

Subprime lender Countrywide Financial was Fannie’s biggest customer, and now it’s Bank of America’s biggest headache. BofA can’t finalize foreclosures and liquidate the toxic debt it inherited from Countrywide until it untangles the chain of title on the subprime mortgages its subsidiary originated and sold to Fannie.

Ex-Fannie chief credit officer Ed Pinto blames Cuomo for the mess. He says he and other HUD officials “should have known the risks were large,” adding that “Cuomo was pushing mortgage bankers to make loans and basically saying you have to offer a loan to everybody.” Why? Because like Bill Clinton, whose housing policies he was following, Cuomo championed the faulty notion that “racist” bankers erected barriers to minority homebuyers, creating a “mortgage gap.” And he was hellbent on closing it.

In 1998, Cuomo announced details of a settlement he’d struck with a mortgage lender HUD he probed for alleged lending bias. The deal included a record multibillion-dollar loan commitment to minorities. Cuomo admitted the borrowers “would not have qualified but for this affirmative action on the part of the bank.” He also expected higher default rates from the loans he mandated.

But he didn’t care about the risk he was injecting into the financial system, because he was carrying out “social justice.” What better way to do it than socializing mortgages?

Remarkably, Cuomo so far hasn’t had to answer for his scandalous past at HUD in his race against Republican challenger Carl Paladino. Only the Village Voice has looked into his role in the subprime scandal.

“Andrew Cuomo, the youngest Housing and Urban Development secretary in history, made a series of decisions between 1997 and 2001 that gave birth to the country’s current crisis,” the Voice concluded. Cuomo refused to talk to the liberal paper.

Driving Fannie and Freddie into the risky subprime market to subsidize housing for those who could not afford it ranks as one of the worst policy disasters in U.S. history. New Yorkers deserve to know more about Cuomo’s role in the disastrous policy.

As I mention earlier Cuomo got away with all of this, thus far he has not had to answer for the bad deeds he has done. If an investigation is opened, there is a good chance that we in NYS will not be subjected to his criminal behavior any longer.

You only have to read two of the letters that I wrote to Andrew Cuomo, which he has never addressed, to see why he is unfit to work as a public servant.

I wrote many letters to publications informing them of my history with Andrew Cuomo and nobody published anything. People in NYS voted for him to become our governor. If we truly had honest elections and a democracy that votes was completely aware of what, or whom, they were voting for, we would not have this predicament.

Joseph Morelle,Assemblyman & NYS Insurance Commission

If anyone in NYS should have been able to investigate Allstate and correct their illegal behavior Joseph Morelle should have been “the man”. We pay Joseph Morelle to be on the Insurance Commission. Joseph Morelle has failed to do his job. In the Letters chapter, you can see just a part of the communication that I sent to Joseph Morelle. Democrat and Chronicle

Joseph Morelle

Morelle’s main source of campaign contributions, however, are the insurance companies and many other interested parties affected by insurance policy whose fortune depend in part on the bills that are subject to his committee’s approval.

Morelle is chairman of the Assembly Committee on Insurance, where he is tasked with evaluating bills affecting all types of personal and business insurance including health, liability, property/casualty and auto, as well as bond insurance, and financial services that are considered insurance products.

Campaign contributions from donors with business interests that fall under the insurance committee’s jurisdiction comprise 63 percent of Morelle’s contributions since January 1, 2011, according to a Democrat and Chronicle analysis.

The campaign donations come from insurance companies, risk management firms, personal injury law firms, banks, and interested health care providers, including trade groups representing podiatrists, chiropractors, doctors who perform surgery in their offices and medical practices, such as Aristocrat Plastic Surgery of Great Neck, Long Island. In addition, there are many donations from lawyers and lobbyists who represent those interests.

It speaks for itself why Joseph Morelle is unable and unwilling to help victims, such as myself who have been defrauded by insurance companies.

Howard S. Rosenhoch, Attorney


The ringleader in the obstruction of justice.

As part of the conspiracy, Rosenhoch personally did the following:

  1. Created a check from Ellen N. Robinson’s estate account. He personally forged my name on this check.
  2. Directly worked with John Yanus to change, modify, and describe my statement to Yanus. He has worked closely with Yanus to produce 4 different versions of testimony given by me. The last version, which he took to Judge Fisher’s court, is only 11 pages and it takes approximately 4 minutes to hear it in the audio version.
  3. Has illegal possession of my income taxes – or what are purported to be my taxes. He and Rani Gupta modified taxes, which the Robinson’s never filed.
  4. Has illegal possession of approximately 100 checks from my mother’s business that IRS auditor Rani Gupta stole and gave to him
  5. Personally instructed Mark Anderson, Gary Schreib, Mike Quataert, Bill Marsaw and John Yanus how to perjure themselves and lie in depositions and/or court.
  6. Slandered me in front of a jury when Judge Fisher would not allow me to defend myself.
  7. Had me falsely arrested in May 2004 by Monroe Co. Sheriffs through William L. King. Had me arrested again in the Fall of 2004 by utilizing William L. King and Mike Christiansen (Yates County Sheriff).
  8. Worked as a facilitator with the Allstate Conspiracy to wreck my credit and insurance scores.
  9. Closely conspired with Judge Kenneth Fisher to deny me my civil rights.
  10. Conspired with Household Finance in an attempt to bankrupt the Robinson’s.
  11. See Letters chapter, which contains a registered letter given to Howard Rosenhoch and Judge Fisher before Dave Robinson appeared in Judge Fisher’s court.