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Comment on "Foreclosure Attorneys Get 90 Day Suspensions for Robo-Signing" - Source of Title/OH
12/17/2013 2:33:58 PM (2130 views)
Shame - shame, shame/VA
12/17/2013 2:33:58 PM (6658 views)
Re: Shame - Slade Smith/OH
12/18/2013 2:03:03 PM (6478 views)
No incentive to follow the law - Bobbi Shorthouse, Notary Public/CT
12/19/2013 8:33:13 AM (6435 views)
just sayin...... - SHAME/VA
12/20/2013 4:52:08 PM (6439 views)

Central Lending Services Direct D/B/A CLS Direct, Inc. - Joyce Obrien/PA
12/16/2013 12:34:43 PM (4702 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - K C/NJ
12/30/2013 2:56:09 PM (2641 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - Joyce Obrien/PA
12/30/2013 3:02:09 PM (2523 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - K C/NJ
12/30/2013 5:03:09 PM (2757 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - george Hubka/MI
1/15/2014 7:44:27 PM (2489 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - Joyce Obrien/PA
1/15/2014 8:02:35 PM (2720 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - george Hubka/MI
1/15/2014 8:09:30 PM (2471 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - K C/NJ
12/30/2013 5:01:55 PM (2833 views)
Re: Central Lending Services Direct D/B/A CLS Direct, Inc. - Robyn Gordon/NJ
2/6/2014 7:48:57 PM (2425 views)

Fee insult - Smitty Strickland/SC
12/15/2013 2:37:26 PM (2627 views)
Re: Fee insult - Alix Ott/MI
12/16/2013 7:58:04 AM (2742 views)
Re: Fee insult - Edward Ulric/SC
12/16/2013 9:05:12 AM (2727 views)
Re: Fee insult - Kurt deVries/FL
12/16/2013 11:19:45 AM (2706 views)
Re: Fee insult - Kristina Leitch/MD
12/18/2013 7:40:39 PM (2491 views)
Re: Fee insult - Smitty Strickland/SC
12/19/2013 8:30:33 AM (2573 views)

Capitol Services, Austin, TX - Edward Ulric/SC
12/14/2013 7:43:46 AM (2301 views)
Re: Capitol Services, Austin, TX - David Bloys/TX
12/14/2013 4:32:28 PM (2622 views)
Re: Capitol Services, Austin, TX - Edward Ulric/SC
12/15/2013 12:48:16 PM (2539 views)

First National Bank Looking for Courthouse Researchers - David Bloys/TX
12/12/2013 1:37:46 PM (5498 views)
Re: First National Bank Looking for Courthouse Researchers - Alix Ott/MI
12/12/2013 3:38:07 PM (2598 views)
Re: First National Bank Looking for Courthouse Researchers - David Bloys/TX
12/12/2013 5:08:31 PM (2888 views)
Re: First National Bank Looking for Courthouse Researchers - Alix Ott/MI
12/12/2013 5:12:09 PM (2877 views)




Notice Relating to all City of Lynn foreclosure deed filings - Leigh Attridge/MA
12/11/2013 11:32:47 AM (1559 views)

global data/ title prep - cynthia hoffman/PA
12/9/2013 5:04:24 PM (3580 views)
Re: global data/ title prep - Leigh Attridge/MA
12/10/2013 3:21:24 PM (2817 views)
Re: global data/ title prep - Heather St Amant/LA
12/15/2013 4:28:25 PM (2794 views)
Re: global data/ title prep - Kenneth Signor/SC
12/16/2013 5:26:37 AM (2729 views)
Re: global data/ title prep - Philip Apter/CT
12/16/2013 6:20:11 AM (2603 views)
Re: global data/ title prep - martha campbell/VA
12/16/2013 6:33:00 AM (2598 views)
Re: global data/ title prep - Jason Roush/OH
12/16/2013 7:27:40 AM (2558 views)
Re: global data/ title prep - Catherine Jackson/NC
12/16/2013 10:01:54 AM (2560 views)
Re: global data/ title prep - Michael Vernon/AZ
12/16/2013 12:36:50 PM (2558 views)
Re: global data/ title prep - Michaela Urban/OH
12/16/2013 7:03:06 PM (2566 views)

reliable property reports - Joseph Kelley/MO
12/9/2013 12:09:36 PM (3114 views)
Re: reliable property reports - Alix Ott/MI
12/12/2013 3:38:58 PM (2628 views)
Re: reliable property reports - Jason Roush/OH
12/16/2013 7:28:53 AM (2516 views)
Re: reliable property reports - Alix Ott/MI
12/16/2013 7:54:57 AM (2621 views)

Southeastern Title Services in Al - jane guiles/AL
12/5/2013 9:05:48 PM (3020 views)
Re: Southeastern Title Services in Al - Bob Darwin/AL
12/6/2013 8:23:16 PM (2829 views)

New requirements on 1 owner searches - Alix Ott/MI
12/5/2013 5:02:18 PM (2752 views)
Re: New requirements on 1 owner searches - Robert Franco/OH
12/6/2013 4:28:06 PM (2905 views)
Re: New requirements on 1 owner searches - Smitty Strickland/SC
12/9/2013 5:21:09 PM (2486 views)
Re: New requirements on 1 owner searches - martha campbell/VA
12/16/2013 6:34:41 AM (2430 views)
Re: New requirements on 1 owner searches - James Powell/MI
12/19/2013 3:00:11 PM (2308 views)
Re: New requirements on 1 owner searches - Alix Ott/MI
12/19/2013 4:08:23 PM (2422 views)
Re: New requirements on 1 owner searches - Nils Nelson/ME
12/19/2013 9:10:03 PM (2178 views)
Re: New requirements on 1 owner searches - James Powell/MI
12/20/2013 8:06:20 AM (2229 views)
Re: New requirements on 1 owner searches - Alix Ott/MI
12/20/2013 8:21:34 AM (2329 views)
Re: New requirements on 1 owner searches - Scott Perry/PA
12/21/2013 1:32:08 PM (2268 views)
Re: New requirements on 1 owner searches - george Hubka/MI
12/23/2013 11:26:04 PM (2232 views)
Re: New requirements on 1 owner searches - James Powell/MI
12/27/2013 1:15:32 PM (2128 views)
Re: New requirements on 1 owner searches - Marian Severance/PA
1/13/2014 11:57:06 AM (2047 views)
Re: New requirements on 1 owner searches - george Hubka/MI
12/23/2013 11:23:16 PM (2272 views)
Re: New requirements on 1 owner searches - James Powell/MI
12/27/2013 1:04:35 PM (2150 views)
Re: New requirements on 1 owner searches - Alix Ott/MI
12/27/2013 1:22:27 PM (2220 views)
Re: New requirements on 1 owner searches - James Powell/MI
12/30/2013 10:39:34 AM (2092 views)
Re: New requirements on 1 owner searches - Alix Ott/MI
12/30/2013 10:53:29 AM (2127 views)
Re: New requirements on 1 owner searches - James Powell/MI
1/8/2014 9:45:45 AM (2165 views)
Re: New requirements on 1 owner searches - Alix Ott/MI
1/8/2014 9:56:35 AM (2238 views)
Re: New requirements on 1 owner searches - James Powell/MI
1/10/2014 11:24:55 AM (2168 views)

RELIABLE NH Abstractors Needed ASAP - K C/NJ
12/5/2013 12:54:23 PM (2379 views)
Re: RELIABLE NH Abstractors Needed ASAP - Anil Battepati/VA
12/6/2013 10:59:33 AM (2625 views)

Comment on "Federal Appeals Court Issues Decision in Carter v. Welles Bowen" - Source of Title/OH
12/4/2013 10:31:59 AM (2100 views)
Common Sense - Wyatt Bell/FL
12/4/2013 10:31:59 AM (6936 views)
Re: Common Sense - Slade Smith/OH
12/4/2013 2:14:15 PM (6768 views)
Re: Common Sense - Wyatt Bell/FL
12/4/2013 4:58:10 PM (6800 views)
Re: Common Sense - Slade Smith/OH
12/9/2013 12:40:06 AM (9782 views)

Wyatt,

I disagree.

The so-called "fourth requirement" was a not an additional requirement at all-- instead it was a requirement that the arrangement meet the definition of "affiliated business arrangement" in 12 USC § 2602(7)(a). The definition requires that the entity be a "provider of settlement services."  HUD interpreted the definition as to exclude shams.

The landmark Supreme Court case Chevron v. NRDC was a dispute over exactly the same situation-- there was a federal environmental statute that contained a term, and the relevant enforcement agency, the EPA, interpreted it.  The Supreme Court upheld the EPA's interpretation, saying the the courts were bound to uphold reasonable agency interpretations of statutes.  Here's the test, as articulated by the court in Chevron:

When a court reviews an agency's construction of the statute which it administers, it is confronted with two questions. First, always, is the question whether Congress has directly spoken to the precise question at issue. If the intent of Congress is clear, that is the end of the matter; for the court, as well as the agency, must give effect to the unambiguously expressed intent of Congress. If, however, the court determines Congress has not directly addressed the precise question at issue, the court does not simply impose its own construction on the statute, as would be necessary in the absence of an administrative interpretation. Rather, if the statute is silent or ambiguous with respect to the specific issue, the question for the court is whether the agency's answer is based on a permissible construction of the statute. "

...

If Congress has explicitly left a gap for the agency to fill, there is an express delegation of authority to the agency to elucidate a specific provision of the statute by regulation. Such legislative regulations are given controlling weight unless they are arbitrary, capricious, or manifestly contrary to the statute. Sometimes the legislative delegation to an agency on a particular question is implicit, rather than explicit. In such a case, a court may not substitute its own construction of a statutory provision for a reasonable interpretation made by the administrator of an agency.

U.S. Supreme Court

Can a sham truly be a provider of settlement services?  I suppose an argument can be made either way, but HUD did not think so and articulated a reasonable set of criteria by which legitimate businesses can be distinguished from shams.  The appeals court was bound by Chevron to uphold the policy statement, but failed to do so.  A bad decision.

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Re: Common Sense - george Hubka/MI
12/9/2013 7:56:13 AM (6549 views)

EasyDocs123.com - John Rawlings/WI
12/3/2013 2:47:27 PM (1937 views)

Database for Title Reports - Smitty Strickland/SC
12/1/2013 6:15:05 PM (2506 views)
Re: Database for Title Reports - Randi Erickson/MN
12/4/2013 11:27:21 AM (2739 views)
Re: Database for Title Reports - Smitty Strickland/SC
12/11/2013 6:08:44 PM (2318 views)
Re: Database for Title Reports - Regina  Engebritson/MN
12/16/2013 11:52:08 AM (2330 views)
Re: Database for Title Reports - K C/NJ
12/4/2013 4:32:49 PM (2595 views)
Re: Database for Title Reports - Thomas Pryde/MI
12/19/2013 4:28:06 PM (2331 views)
Re: Database for Title Reports - Alix Ott/MI
12/20/2013 8:23:48 AM (2339 views)
Re: Database for Title Reports - Robert Franco/OH
12/20/2013 11:13:40 AM (2383 views)

Simplicity Settlements - Marian Severance/PA
12/1/2013 12:49:07 PM (2245 views)
Re: Simplicity Settlements - Sheila Sten/PA
12/2/2013 7:12:18 AM (2514 views)
Re: Simplicity Settlements - Marian Severance/PA
12/2/2013 9:57:54 AM (2377 views)
Re: Simplicity Settlements - Sheila Sten/PA
12/2/2013 2:22:14 PM (2416 views)
Re: Simplicity Settlements - Marian Severance/PA
12/2/2013 5:02:13 PM (2504 views)


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