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BFCSA
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BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.

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Denise Brailey

Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

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Denise

Denise

Denise Brailey has dedicated the past 20 years of her life to being a Consumer Advocate - a voice for the people and former President of RECA (Real Estate Consumer Association. She has helped thousands of investors and is currently President of the BFCSA (Banking & Finance Consumers Support Association). Denise was also awarded and presented with the Rona Oakley Award for Consumer Protection in 2010.
CBA shares look like they are on the big slippery dipper ride....regulators and   shareholders will be furious!  When are Rules not really Rules?  When lazy   APRA relaxes them the moment they are announced.   Did APRA already relax macroprudential 2.0? By Houses and Holes in Australian banks, Australian Property at 11:09 am on September 1, 2017 | 14 comments https://www.macrobusiness.com.au/2017/09/apra-already-relax-macroprudential-2-0/ Via Macquarie: Following the introduction of APRA’s 30% interest-only cap there has been a material reduction in interest-only flow and assuming current trends continue banks will be well below the cap by the required timeframe (Sep-17). This was achieved by a combination of aggressive repricing, tightening of credit standards and some concessions from the regulator.   We understand that adhering to the IO cap appears less onerous after the regulator relaxed their   treatment of existing loan roll-overs into another interest-only period and lines of credit being   excluded...
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His  partner in crime  cover-ups David Cohen resigned as CBA company Secretary  on 30 June 2016...wonder where the third musketeer David Turner is hiding out?   Commonwealth Bank responds to report it failed to monitor international transactions By business reporter David Chau Posted 30 minutes agoFri 1 Sep 2017, 1:03pm   http://www.abc.net.au/news/2017-09-01/cba-responds-to-reports-it-failed-to-monitor-transactions/8863242   Commonwealth Bank has responded to media reports it commissioned an internal review showing "large-scale" failures in transaction monitoring across its US, Asia and Europe businesses. In a statement to the ASX on Friday, Australia's largest bank said it maintains "proactive" relationships with "all relevant global regulators". According to a confidential document obtained by Sky News Business, the review was brought to the attention of CBA's senior executives in February. It reportedly showed that the monitoring of transactions — across nearly two-thirds of CBA's Institutional Banking and Markets division — was either minimal or non-existent.   Verrender: Profit at...
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Turnbull has again put foot in mouth and stirred up a hornets nest  China slaps would-be-warrior Turnbull’s “blah, blah” By Houses and Holes in Australian Politics at 3:51 pm on September 1, 2017 | 15 comments https://www.macrobusiness.com.au/2017/09/china-slaps-warrior-turnbulls-blah-blah/ Via Domainfax: Prime Minister Malcolm Turnbull’s call for China to cut off its oil pipeline to North Korea has prompted a fierce rebuke from a high-circulating Chinese newspaper, which accused him of going beyond even Donald Trump. The Global Times, which sells more than one million copies, devoted an editorial to Mr Turnbull’s “indiscreet” and “absurd” comments, and saying Australia was a “second class citizen of the West”. “Although President Trump has complained about China in contradictory statements, he has so far never publicly asked China to cut North Korea’s oil supply,” the Global Times wrote. The editorial said Australia had become America’s loudspeaker in the Asia Pacific. “This speaker works very hard, and...
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Do-nothing Malcolm muscles-up for Korean war By Houses and Holes in Australian Politics, Featured Article at 4:07 pm on August 31, 2017 | 44 comments https://www.macrobusiness.com.au/2017/08/do-nothing-malcolm-muscles-up-for-korean-war/   The mind absolutely boggles at what kind of military commander-in-chief the great waffler would make but it appears he’d like to add that notch to his shiny little belt: Malcolm Turnbull says China must step up and contain North Korea economically, including by cutting off the regime’s oil supply.   Ratcheting up the diplomatic jawboning of Beijing, the Australian prime minister told the John Laws radio program in Sydney the best chance of resolving the crisis on the Korean peninsula without conflict was to make sure the regime in Pyongyang was completely economically isolated.   Turnbull said China needed to be resolute in turning the economic screws against its neighbour, and if it took tough action, the regime “would struggle to survive”. “China has...
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It's time to get banks back to nation-building basics Sydney Morning HeraldAugust 30 2017 - 12:15am Stephen Anthony Stephen Anthony is chief economist at Industry Super Australia   Public confidence in Australia's banks has been steadily eroding since financial deregulation in 1983 to the point where now the brand of the Big Four banks, and especially the Commonwealth Bank, is at its nadir. It appears Australia's banks are more satisfied with earning a fast buck than supporting real investment in projects and jobs for the betterment of all Australians. Consider the loan book of major deposit-taking institutions: Around 60 per cent of new lending is for housing; around 80 per cent of all housing loans are for the purchase of existing property; around 60 per cent of all new loans are made to investors for negatively geared investments; and around 40 per cent of housing loans are interest only. Somewhere along...
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What were our banks doing pre 2009 if banks were only required to keep records for 7 years?   Wells Fargo Review Finds 1.4 Million More Suspect Accounts By STACY COWLEY 31 August 2017 https://mobile.nytimes.com/2017/08/31/business/dealbook/wells-fargo-accounts.html?referer Nearly a year after Wells Fargo’s fraudulent account scandal burst into public view, the bank said it had turned up more than a million additional accounts that customers may not have authorized.  The news set off a fresh wave of criticism from those frustrated by the bank’s slow pace in coming clean about its misdeeds.......An investigation commissioned by Wells Fargo’s board found signs of abuses that surfaced in 2002.  The company said it could look back no earlier than 2009 because it did not have sufficient data on previous periods, Mr. Sloan said. ..... The review focused on retail bank accounts, and did not expand into other areas in which the bank has been accused of...
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CBA was ‘aware’ of risk shortfall The Australian 12:00am September 2, 2017 Leo Shanahan, Michael Roddan  Finance Minister Mathias Cormann said CBA had some “serious work to do.”    Seriously Mathias: is it not the case that Government and its sleepy regulator named APRA have very serious work to do in locking up those responsible???”   The crisis facing Commonwealth Bank has widened, after it confirmed the existence of an explosive internal review of large gaps in its global transaction monitoring compliance, which Scott Morrison said was evidence of “further serious matters” facing the nation’s largest bank. The internal review of the bank’s compliance with Australian and global anti-money laundering and terrorism financing laws, obtained by Sky News Business, revealed that billions of dollars worth of transactions in the US, Europe and Asia were not being monitored, which could put the bank in the firing line of global regulators. The review of the Institutional...
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Pepper to be snapped up for $675m James Mitchell 11 August 2017 https://www.mortgagebusiness.com.au/breaking-news/11368-pepper-to-be-snapped-up-for-675-million   California-based investment manager KKR will pay a significant premium to acquire non-bank lender Pepper after the group today announced that it has entered into a scheme implementation deed.  The board of the ASX-listed non-bank lender announced on 10 August that it has entered into a scheme implementation deed with an entity owned by California-based KKR Credit Advisors.   The KKR entity, known as Red Hot Australia Bidco, has proposed to acquire all of Pepper’s shares. If granted, Pepper shareholders will receive a cash payment of $3.60 per Pepper share plus a 3 cent dividend.  With more than 181 million shares on issue, KKR will acquire Pepper for close to $675.9 million, $37 million more than the current market cap of $638 million.  Pepper shares were valued at $3.43 before the market opened this morning.   “After careful...
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Bank propagandists play hide and seek September 1, 2017 https://www.michaelwest.com.au/bank-propagandists-play-hide-and-seek/   We are yet to hear boo from the banks’ propaganda machines about the CBA’s money-laundering crisis. Not a squeak so far. They have wailed long and hard about the dastardly injustice of bank taxes but peak body, the Australian Banking Association (ABA), is still yet to respond to questions about its own murky disclosures and secretive financial status despite questions raised with them a number of times in July. Same deal with the Financial Services Council (FSC) which is terrific, and prolific, at pontificating to governments on how to conduct their financial and regulatory affairs but deathly silent when questioned about its own affairs. When it comes to hypocrisy however the FSC is not in the same league as the Australian Bankers Association. In a long and windy consultation paper to Treasury in March the ABA went on and on about...
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Home prices cool in August as Sydney market stalls, says CoreLogic Sydney Morning HeraldSeptember 1 2017 - 11:19am Reuters   Home prices in the nation's major cities rose only marginally in August as Sydney's blistering run stalled, a tentative sign of cooling that would be a relief to regulators seeking to head off a debt-driven bubble. Property consultant CoreLogic said its index of home prices for the combined capital cities edged up just 0.1 per cent in August from July, when it surged 1.5 per cent. The index had also been updated using a new hedonic index methodology, CoreLogic said. Annual growth in prices slowed to 9.7 per cent, from 10.5 per cent in July. Prices in Sydney were dead flat for August, after jumping 1.4 per cent the month before, although annual growth remained strong at 13 per cent. Melbourne saw gains of 0.5 per cent in August and 12.7...
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Property bust our big threat, warns Wesfarmers chief Richard Goyder Herald Sun September 2, 2017 12:00am John Dagge   OUTGOING Wesfarmers chief Richard Goyder says taking the heat out of red-hot property markets in Melbourne and Sydney looms as the nation’s key economic challenge. Assessing the state of the economy ahead of standing down as the chief of the nation’s biggest employer, Mr Goyder said a sharp downturn in the property market posed the biggest risk. But it was a risk he was confident regulators were on top of, he said. “Our housing market needs to be carefully managed and I think it is, between the Reserve Bank and the banks,” Mr Goyder said. “Just moderating what has happened with housing prices, particularly in Sydney and Melbourne, we certainly don’t want a bubble bursting there. “The thing to avoid is a house price bubble and I think all our policymakers are...
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CBA at risk of investigations by ­global regulators The Australian 12:00am September 1, 2017 Leo Shanahan Sky News business reporter   Billions of dollars in Commonwealth Bank transactions in the US, Europe and Asia have not been properly monitored, the bank’s internal review has found, potentially exposing the institution to investigation by ­global regulators. The confidential review of the bank’s compliance with Australian and ­global anti-money laundering and counter-terrorism laws revealed large-scale failures in transaction monitoring across a multitude of businesses around the world. Obtained by Sky News Business, the review was presented to senior bank executives in February and showed non-existent or minimal transaction monitoring across almost two thirds of the CBA’s Institutional Banking & Markets division. It also found that “product fin­ancial crime risk assessments” across the group “have not been updated since 2013”. Institutional Banking & Markets manages global corporate, government and institutional ­clients, and according to CBA’s...
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Scott Morrison says ‘good debt’ to underwrite Future Fund The Australian 12:00am September 1, 2017 Andrew White Scott Morrison has defended a decision to increase commonwealth borrowings to pay public sector superannuation rather than drawing from the Future Fund, arguing that the sovereign wealth fund was delivering higher returns than the cost of borrowing. As the Future Fund yesterday reported annual returns of 8.7 per cent — beating its benchmark by 1.8 per cent — chairman Peter Costello said a deal with the federal government to delay draw-downs of the fund by five years until 2026 would ensure that it could cover the full unfunded superannuation liability and carry on until the end of the century. But Mr Costello warned that the fund was preparing for rising interest rates, which was likely to have a major impact on returns and asset values that have been inflated by years of easy money....
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Inside the bitcoin-fuelled 'ICO' bubble Sydney Morning Herald September 1 2017 - 12:15am John McDuling   This week was arguably the most significant yet for "crypto-currencies" in Australia. At least since a guy from the nondescript Sydney suburb of Gordon claimed to be the mastermind behind bitcoin. If your eyes have already glazed over, I don't blame you. I don't particularly enjoy writing about crypto-currencies, but given the genuine technological breakthroughs involved and the potentially damaging financial bubble that's building, they've become impossible to ignore. This week a Perth-based energy trading start-up called Power Ledger said it raised $17 million from speculators and crypto enthusiasts in Australia's first ICO (initial coin offering). An ICO is a bit like an IPO, except digital tokens created from thin air are up for grabs, rather than small pieces of ownership in a business. There are no regulators or stock exchanges involved. To describe ICOs...
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HSBC joins mortgage war with 3.6pc loan The Australian 12:00am September 1, 2017 Glenda Korporaal   HSBC is planning to step up its Australian business with a more aggressive push into mortgages and plans to open new branches and expand its role in agribusiness and infrastructure. The bank will today launch an aggressively priced mortgage rate of 3.65 per cent for owner-occupied housing that will be available for customers who sign up for home loans between now and the end of the year. This follows a deal it struck recently to sell its mortgages through home loan brokerage Aussie Home Loans. It also plans to raise its profile in Australia with another 16 new branches over the next 18 months, mainly in NSW and Victoria, to boost its existing 31 existing shopfronts. “We have ambitious plans for HSBC in Australia,” chief executive Martin Tricaud said in an interview with The Australian...
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Neoliberalism has failed, time for a new deal, says Sally McManus The Australian 12:00am September 1, 2017 Ewin Hannan   ACTU secretary Sally McManus will today call for a “new deal” for unions and workers to address record inequality caused by the “failed ideology of neoliberalism”. Ms McManus says Australia is nearing the end of a 30-year “neoliberal experiment” that has seen concerted campaigns to systematically weaken unions and leave workers “with little protections in the face of the King Kong-sized power of multinational corporations”. In a speech to be delivered in Brisbane, Ms McManus will call for the scrapping of the Coalition’s planned corporate tax cuts while backing Labor proposals to tackle negative gearing and capital gains tax concessions. She will say workplace laws must be changed to remove incentives to casualise work; increase the powers of the Fair Work Commission; change bargaining laws to benefit unions; and rebuild a...
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Another one bites the dust....Derryn said those who did not check did not deserve to be in Parliament.  OOPs.  Does not understand MPs need to rescind citizenship in the country of descent in a formal manner and pay the fee!  Just sending a letter on the day you enter Parliament is not acting in rules of s44.  The MP needs to sign to say he/she does not have dual "rights."  They cannot sign the candidate forms in Australia UNTIL they have formally applied to relinquish all rights in any other nation.  Otherwise you can have two allegiances.  Very simple.   1 hour ago Hinch's Senate eligibility under a cloud   http://www.msn.com/en-au/news/australia/hinchs-senate-eligibility-under-a-cloud/ar-AAqYBQN?li=AAavLaF&ocid=ientp   Crossbencher Derryn Hinch is reportedly considering referring himself to the High Court over links to the United States that could disqualify him from the Senate. Senator Hinch told the Herald Sun he still held a social security card from when he lived in...
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This wretched Turnbull Government is finished. The Royal Commission is just around the corner.  http://www.abc.net.au/tv/programs/national-press-club-address/ Today and with controlled reasoning we heard why. The constitutionally controversial MPs are on track to lose their bid to stay In Parliament. The High Court will be unlikely to save their bacon. With incredible clarity The UNSW Dean of Law George Williams as always made legals arguments seem very simple for us all to understand. His speech on The Press Club today is one of the best. Good News: The Labor Party has been around 100 years and understood the issue of citizenship is not revolving around Australian Law but rather how other the law of all other nations and their Governments view entitlement to citizenship. Where that nation has a policy of automatic right to citizenship, then you must relinquish your right (in writing and pay a fee). This must be done prior to standing...
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Australian Financial Review29 2017 12: Turnbull government's quick-fire plan in non-bank market 15 AM Sarah Thompson, Anthony Macdonald, Joyce Moullakis   The Turnbull government is aiming to have legislative changes in place covering the regulation of the nation's non-banks by the end of the calendar year. Street Talk understands that now submissions are in, the government wants to move expeditiously to get the proposals, in some form, through parliament. The draft legislation gives the Australian Prudential Regulation Authority increased powers concerning the activities of non-deposit taking lenders where they may "materially affect" financial stability. APRA can also impose penalties under the proposed rules. Banks are keen to see their smaller rivals caught by the regulatory net but several large players including Liberty Financial, Resimac, Firstmac and ASX-listed Pepper Group and AFG want the government to be mindful of unintended consequences. Non-bank lenders have had more than four meetings with federal treasury...
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Gangster heaven: the inside story of Australia’s biggest money-laundering scandal. michaelwest.com.auAugust 29, 2017 Nathan Lynch   Many words have been written about the Commonwealth Bank money-laundering scandal and many, many more will be written still; being caught for 55,300 criminal breaches is no mean feat. Fused with the state, backed by taxpayers, too big to fail, a financial success and a moral failure; Commonwealth Bank has become a symbol for what is wrong with big business and democracy. No better story has been written so far about the CBA fiasco than the following investigative feature by Nathan Lynch of Thomson Reuters. Nathan has kindly allowed us to publish outside the paywall in the public interest. By early 2015, Commonwealth Bank’s investment in the rollout of hundreds of intelligent deposit machines (IDMs) across Australia was paying off handsomely. The country’s largest financial institution was reporting bumper profits and the gradual automation of...
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APRA probe risks CBA rating Australian Financial Review Aug 28 2017 11:00 PM Jonathan Shapiro, Phillip Coorey, James Eyers   Global credit rating agencies are on alert after the prudential regulator unveiled an inquiry into scandal-ridden lender Commonwealth Bank of Australia warning that it could lead to a credit downgrade of the bank. S&P Global said any "material adverse findings" from the Australian Prudential Regulation Authority's review into CBA's governance, culture and accountability could weaken the bank's credit profile. The agency said any indications of weaknesses in CBA's governance and risk management frameworks uncovered by the inquiry or material damage to its reputation could also weigh on its rating, which is already on a negative outlook. Fitch Ratings said the APRA process could "result in negative rating action" if systemic issues were identified or if "lasting damage to the franchise" was inflicted. It also warned that management time at CBA could...
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APRA starts Commonwealth Bank of Australia inquiry amid AUSTRAC allegations Australian Financial Review Aug 28 2017 9:22 AM James Eyers, Phillip Coorey   The prudential regulator will launch an independent prudential inquiry into Commonwealth Bank of Australia's governance, culture and accountability, following the allegations raised by AUSTRAC that the bank failed to report suspicious transactions. An independent panel will be established to run the inquiry, APRA said in a statement on Monday morning, and will take six months to provide a report that will be made public. The inquiry will not specifically look at the money-laundering allegations but APRA said it would focus on governance, culture and accountability frameworks and practices within the group. CBA said it supports the APRA inquiry. CBA will pay its costs. "CBA recognises that events over recent years have weakened the community's trust in us. We have been working hard to strengthen trust, and will continue...
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ASIC handed CBA advanced copy of CommInsure Report   ASIC investigates the CBA Scandals gathers evidence and facts and then; ASIC sends its own report to CBA NAREV to ask him to heck and see if the ASIC “facts” are correct or perhaps FAKE STATS?  Really????     27 August 2017 Mario Christodoulou   http://www.smh.com.au/business/banking-and-finance/asic-handed-cba-advanced-copy-of-comminsure-report-20170826-gy4pse.html Australia's corporate watchdog has defended a decision to hand the Commonwealth Bank an advance copy of a report into its handling of life insurance claims before it was made public. The report, into the bank's troubled life insurance business CommInsure, was looking into the bank's practice of using outdated medical definitions to deny insurance claims, first exposed in a joint Four Corners/Fairfax Media investigation.   CBA chief executive Ian Narev. Emails between senior staff at ASIC show CBA repeatedly asked for a copy of the report and media release before it was released publicly. Photo: Bloomberg...
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If one knows how the financial industry works the mentality has always been find the loopholes and vague wording in regulation and exploit the loopholes 'full throttle.  The risk taken if the knowledge that any fine imposed if caught is substantially less than profit gained from illegal activity - that justifies taking the risk.  So "lets do it" Role of the CEO is to come up new strategies with new financial 'innovation strategies' to keep profits rolling in and COVER UP for activities of the the previous CEO and wilful blindness by the Board. Only fear the bastards have is reputational loss when and if they do get caught and it hits the media so it’s down to controlling the media and fake news. Ex CEO of Soc Gen Medcraft not in the know before he made his great big escape from the NY French Bank? I don’t think so!  That's a stretch of the...
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  Commonwealth Bank to face independent inquiry from banking regulator APRA It’s APRA who should be investigated for failure to regulate our rotten to the core Major Banks!   Commonwealth Bank to face independent inquiry from banking regulator APRA By business reporter Michael Janda Mon 28 Aug 2017,  http://www.smh.com.au/business/banking-and-finance/asic-handed-cba-advanced-copy-of-comminsure-report-20170826-gy4pse.html   Scott Morrison dismisses calls for banking royal commission (ABC Nes) Related Story: How three men got away with money laundering through CBA Related Story: Commonwealth Bank could face a lost decade, warns analyst Related Story: CBA announces $9.9b profit amid money laundering scandal   The banking regulator has said it will establish an independent inquiry into the Commonwealth Bank. Key points: Independent panel appointed by APRA to investigate culture, governance and accountability at CBA CBA will pay for the cost of the inquiry Final report expected to take around six months and be made public The Australian Prudential Regulation Authority (APRA)...
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  • Consent_Withdrawn
    Consent_Withdrawn says #
    I know how you feel after several years of battling and being worn down and slowly destroyed (whilst suffering enough conditions t
  • douglen46
    douglen46 says #
    I feel sick to my stomach why is APRA doing a shamm investigation into rotten Banks it's time the Gov stepped in to hold a Royal C
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