text:
Mortgage bankers and brokers
Bills supported and opposed
Interest position
Became law
An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018. H.R. 1 (115th) Brady Support Yes
An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018. (by More
An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018. (by CRS) Hide
Mortgage Choice Act of 2017 H.R. 1153 (115th) Huizenga Support No
To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. (by More
To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. (by CRS) Hide
Private Flood Insurance Market Development Act of 2017 H.R. 1422 (115th) Ross Support No
To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by More
To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by CRS) Hide
Preserving Access to Manufactured Housing Act of 2017 H.R. 1699 (115th) Barr Support No
To amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage, to amend the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to modify… More
To amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage, to amend the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to modify the definition of a loan originator, and for other purposes. (by CRS) Hide
PACE Act of 2017 H.R. 1958 (115th) Sherman Support No
To amend the Truth in Lending Act to include retrofit loans such as property assessed clean energy loans, and for other purposes. (by More
To amend the Truth in Lending Act to include retrofit loans such as property assessed clean energy loans, and for other purposes. (by CRS) Hide
Clarifying Commercial Real Estate Loans H.R. 2148 (115th) Pittenger Support No
To amend the Federal Deposit Insurance Act to clarify capital requirements for certain acquisition, development, or construction loans. (by More
To amend the Federal Deposit Insurance Act to clarify capital requirements for certain acquisition, development, or construction loans. (by CRS) Hide
Mortgage Fairness Act of 2017 H.R. 2570 (115th) Posey Support No
To amend the Truth in Lending Act to clarify that the points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest… More
To amend the Truth in Lending Act to clarify that the points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest rate on such loan, and for other purposes. (by CRS) Hide
21st Century Flood Reform Act H.R. 2874 (115th) Duffy Support No
To achieve reforms to improve the financial stability of the National Flood Insurance Program, to enhance the development of more accurate estimates of flood risk through new technology and better… More
To achieve reforms to improve the financial stability of the National Flood Insurance Program, to enhance the development of more accurate estimates of flood risk through new technology and better maps, to increase the role of private markets in the management of flood insurance risks, and to provide for alternative methods to insure against flood peril, and for other purposes. (by CRS) Hide
To Amend the S.A.F.E. Mortgage Licensing Act of 2008 to Provide a Temporary License for Loan Originators Transitioning Between Employers, and for Other Purposes. H.R. 2948 (115th) Stivers Support No
To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. (by More
To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. (by CRS) Hide
Disaster Tax Relief and Airport and Airway Extension Act of 2017 H.R. 3823 (115th) Brady Support Yes
To amend title 49, United States Code, to extend authorizations for the airport improvement program, to amend the Internal Revenue Code of 1986 to extend the funding and expenditure authority of the… More
To amend title 49, United States Code, to extend authorizations for the airport improvement program, to amend the Internal Revenue Code of 1986 to extend the funding and expenditure authority of the Airport and Airway Trust Fund, to provide disaster tax relief, and for other purposes. (by CRS) Hide
TRID Improvement Act of 2017 H.R. 3978 (115th) Hill Support No
To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes. (by More
To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes. (by CRS) Hide
Financial Institutions Examination Fairness and Reform Act H.R. 4545 (115th) Tipton Support No
To amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. (by More
To amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. (by CRS) Hide
Comprehensive Regulatory Review Act H.R. 4607 (115th) Loudermilk Support No
To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise… More
To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. (by CRS) Hide
Financial Product Safety Commission Act of 2018 H.R. 5266 (115th) Ross Support No
To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. (by… More
To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. (by CRS) Hide
GUIDE Compliance Act H.R. 5534 (115th) Duffy Support No
To amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes. (by More
To amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes. (by CRS) Hide
Risk Management and Homeowner Stability Act of 2017 H.R. 916 (115th) Sanford Support No
To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. (by CRS)
Credit Score Competition Act of 2017 S. 1685 (115th) Scott Support No
A bill to require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other… More
A bill to require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes. (by CRS) Hide
Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2155 (115th) Crapo Support Yes
A bill to promote economic growth, provide tailored regulatory relief, and enhance consumer protections, and for other purposes. (by More
A bill to promote economic growth, provide tailored regulatory relief, and enhance consumer protections, and for other purposes. (by CRS) Hide
Housing Opportunity Mortgage Expansion Act S. 2361 (115th) Duckworth Support No
A bill to amend the Federal Home Loan Bank Act to allow a captive insurance company that was a member of a Federal Home Loan Bank before January 19, 2016, to continue or restore the membership of the… More
A bill to amend the Federal Home Loan Bank Act to allow a captive insurance company that was a member of a Federal Home Loan Bank before January 19, 2016, to continue or restore the membership of the captive insurance company in the Federal Home Loan Bank, and for other purposes. (by CRS) Hide
Affordable Housing Credit Improvement Act of 2017 S. 548 (115th) Cantwell Support No
A bill to amend the Internal Revenue Code of 1986 to reform the low-income housing credit, and for other purposes. (by CRS)
Flood Insurance Market Parity and Modernization Act S. 563 (115th) Heller Support No
A bill to amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by More
A bill to amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by CRS) Hide
PACE Act of 2017 S. 838 (115th) Cotton Support No
A bill to amend the Truth in Lending Act to include retrofit loans such as property assessed clean energy loans, and for other purposes. (by More
A bill to amend the Truth in Lending Act to include retrofit loans such as property assessed clean energy loans, and for other purposes. (by CRS) Hide
FHA Alternative Credit Pilot Program Reauthorization Act of 2015 H.R. 123 (114th) Green Support No
To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective… More
To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. (by CRS) Hide
Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1261 (114th) Duffy Support No
To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. (by More
To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. (by CRS) Hide
Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1263 (114th) Duffy Support No
To amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial… More
To amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, and for other purposes. (by CRS) Hide
Financial Product Safety Commission Act of 2015 H.R. 1266 (114th) Neugebauer Support No
Partnership to Strengthen Homeownership Act of 2015 H.R. 1491 (114th) Delaney Support No
To reform the housing finance system of the United States, and for other purposes. (by CRS)
Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2016 H.R. 1927 (114th) Goodlatte Support No
To amend title 28, United States Code, to improve fairness in class action litigation. (by CRS)
SAFE Transitional Licensing Act of 2015 H.R. 2121 (114th) Stivers Support No
FAST Act H.R. 22 (114th) Davis Support Yes
An act to authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes. (by More
An act to authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes. (by CRS) Hide
To Provide for a Temporary Safe Harbor from the Enforcement of Integrated Disclosure Requirements for Mortgage Loan Transactions Under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for Other Purposes. H.R. 2213 (114th) Pearce Support No
To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth… More
To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide
Medical Debt Relief Act of 2015 H.R. 2362 (114th) Carney Support No
To exclude from consumer credit reports certain medical debt that is less than 180 days delinquent or that has been in collection and has been fully paid or settled, to amend the Fair Debt Collection… More
To exclude from consumer credit reports certain medical debt that is less than 180 days delinquent or that has been in collection and has been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. (by CRS) Hide
Preservation Enhancement and Savings Opportunity Act of 2015 H.R. 2482 (114th) Paulsen Support No
To amend the Low-Income Housing Preservation and Resident Homeownership Act of 1990. (by CRS)
Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2017 and Zika Response and Preparedness Act H.R. 2577 (114th) Diaz-Balart Support No
Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. (by… More
Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. (by CRS) Hide
Terrorism Risk Insurance Program Reauthorization Act of 2015 H.R. 26 (114th) Neugebauer Support Yes
To extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (by More
To extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (by CRS) Hide
Flood Insurance Market Parity and Modernization Act H.R. 2901 (114th) Ross Support No
Homebuyers Assistance Act H.R. 3192 (114th) Hill Support No
Fraudulent Joinder Prevention Act of 2016 H.R. 3624 (114th) Buck Support No
To amend title 28, United States Code, to prevent fraudulent joinder. (by CRS)
Housing Opportunity Through Modernization Act of 2016 H.R. 3700 (114th) Luetkemeyer Support Yes
To provide housing opportunities in the United States through modernization of various housing programs, and for other purposes. (by More
To provide housing opportunities in the United States through modernization of various housing programs, and for other purposes. (by CRS) Hide
To Require the Withdrawal and Study of the Federal Housing Finance Agency's Proposed Rule on Federal Home Loan Bank Membership, and for Other Purposes. H.R. 3808 (114th) Luetkemeyer Support No
To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. (by More
To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. (by CRS) Hide
Credit Access and Inclusion Act of 2015 H.R. 4172 (114th) Ellison Support No
To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by… More
To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by CRS) Hide
Credit Score Competition Act of 2015 H.R. 4211 (114th) Royce Support No
To require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes.… More
To require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes. (by CRS) Hide
Preserving Access to CRE Capital Act of 2016 H.R. 4620 (114th) Hill Support No
To amend the Securities Exchange Act of 1934 to exempt certain commercial real estate loans from risk retention requirements, and for other purposes. (by More
To amend the Securities Exchange Act of 1934 to exempt certain commercial real estate loans from risk retention requirements, and for other purposes. (by CRS) Hide
Housing America's Workforce Act of 2015 H.R. 480 (114th) Velázquez Support No
To amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes. (by More
To amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes. (by CRS) Hide
Risk Management and Homeowner Stability Act of 2016 H.R. 4893 (114th) Sanford Support No
Community Mortgage Lender Regulatory Act of 2016 H.R. 5907 (114th) Williams Support No
To preserve competition among mortgage lenders, provide relief from unnecessary regulatory requirements on responsible community mortgage lenders, and for other purposes. (by More
To preserve competition among mortgage lenders, provide relief from unnecessary regulatory requirements on responsible community mortgage lenders, and for other purposes. (by CRS) Hide
Eliminate Privacy Notice Confusion Act H.R. 601 (114th) Luetkemeyer Support No
To amend the Gramm-Leach-Bliley Act to provide an exception to the annual privacy notice requirement. (by CRS)
American Entrepreneurship and Investment Act of 2015 H.R. 616 (114th) Polis Support No
To amend the Immigration and Nationality Act to provide for reforms to the EB-5 immigrant investor program, and for other purposes. (by More
To amend the Immigration and Nationality Act to provide for reforms to the EB-5 immigrant investor program, and for other purposes. (by CRS) Hide
Mortgage Choice Act of 2015 H.R. 685 (114th) Huizenga Support No
Financial Regulatory Improvement Act of 2015 S. 1484 (114th) Shelby Support No
An original bill to improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial… More
An original bill to improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions, and for other purposes. (by CRS) Hide
Flood Insurance Market Parity and Modernization Act S. 1679 (114th) Heller Support No
A Bill to Provide for a Temporary Safe Harbor from the Enforcement of Integrated Disclosure Requirements for Mortgage Loan Transactions Under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for Other Purposes. S. 1711 (114th) Scott Support No
A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the… More
A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide
Credit Access and Inclusion Act of 2015 S. 2355 (114th) Kirk Support No
A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes.… More
A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by CRS) Hide
Foreclosure Relief and Extension for Servicemembers Act of 2015 S. 2393 (114th) Whitehouse Support Yes
A bill to extend temporarily the extended period of protection for members of uniformed services relating to mortgages, mortgage foreclosure, and eviction, and for other purposes. (by More
A bill to extend temporarily the extended period of protection for members of uniformed services relating to mortgages, mortgage foreclosure, and eviction, and for other purposes. (by CRS) Hide
Medical Debt Relief Act of 2016 S. 2592 (114th) Merkley Support No
A bill to amend the Fair Credit Reporting Act by instituting a 180-day waiting period before medical debt will be reported on a consumer's credit report and removing paid-off and settled medical… More
A bill to amend the Fair Credit Reporting Act by instituting a 180-day waiting period before medical debt will be reported on a consumer's credit report and removing paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act by providing for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. (by CRS) Hide
Venue Equity and Non-Uniformity Elimination Act of 2016 S. 2733 (114th) Flake Support No
A bill to ensure that venue in patents cases is fair and proper, and for other purposes. (by CRS)
Affordable Housing Credit Improvement Act of 2016 S. 2962 (114th) Cantwell Support No
Consumer Mortgage Choice Act H.R. 1077 (113th) Huizenga Support No
Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2767 (113th) Garrett Oppose No
To protect American taxpayers and homeowners by creating a sustainable housing finance system for the 21st century. (by CRS)
Homeowner Flood Insurance Affordability Act of 2014 H.R. 3370 (113th) Grimm Support Yes
To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (by More
To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (by CRS) Hide
Commerce, Justice, Science, and Related Agencies Appropriations Act, 2015 H.R. 4660 (113th) Wolf Support No
Making appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2015, and for other purposes. (by More
Making appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2015, and for other purposes. (by CRS) Hide
To Amend the Internal Revenue Code of 1986 to Make Permanent and Expand the Temporary Minimum Credit Rate for the Low-Income Housing Tax Credit Program. H.R. 4717 (113th) Tiberi Support No
To amend the Internal Revenue Code of 1986 to make permanent and expand the temporary minimum credit rate for the low-income housing tax credit program. (by More
To amend the Internal Revenue Code of 1986 to make permanent and expand the temporary minimum credit rate for the low-income housing tax credit program. (by CRS) Hide
TRIA Reform Act of 2014 H.R. 4871 (113th) Neugebauer Support No
To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes. (by CRS)
To Clarify the Application of Certain Leverage and Risk-Based Requirements Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to Improve Upon the Definitions Provided for Points and Fees in Connection with a Mortgage Transaction, and for Other Purposes. H.R. 5461 (113th) Barr Support No
To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and… More
To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. (by CRS) Hide
Responsible Homeowner Refinancing Act of 2013 H.R. 736 (113th) Welch Support No
To provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. (by More
To provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. (by CRS) Hide
Housing Finance Reform and Taxpayer Protection Act of 2014 S. 1217 (113th) Corker Support No
A bill to provide secondary mortgage market reform, and for other purposes. (by CRS)
FHA Solvency Act of 2013 S. 1376 (113th) Johnson Support No
A bill to improve the Federal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes. (by More
A bill to improve the Federal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes. (by CRS) Hide
Mortgage Choice Act of 2013 S. 1577 (113th) Manchin Support No
A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. (by More
A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. (by CRS) Hide
A Bill to Delay the Implementation of Certain Provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to Reform the National Association of Registered Agents and Brokers, and for Other Purposes. S. 1926 (113th) Menendez Support No
A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for… More
A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (by CRS) Hide
Terrorism Risk Insurance Program Reauthorization Act of 2014 S. 2244 (113th) Schumer Support No
A bill to extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (by More
A bill to extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (by CRS) Hide
Responsible Consumer Financial Protection Regulations Act of 2011 H.R. 1121 (112th) Bachus Support No
To replace the Director of the Bureau of Consumer Financial Protection with a five person Commission. (by CRS)
Leahy-Smith America Invents Act H.R. 1249 (112th) Smith Support Yes
To amend title 35, United States Code, to provide for patent reform. (by CRS)
FHA Refinance Program Termination Act H.R. 1315 (112th) Duffy Support No
To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer… More
To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, to rescind the unobligated funding for the FHA Refinance Program and to terminate the program, and for other purposes. (by CRS) Hide
Business Activity Tax Simplification Act of 2011 H.R. 1439 (112th) Goodlatte Support No
To regulate certain State taxation of interstate commerce, and for other purposes. (by CRS)
Secondary Market Facility for Residential Mortgages Act of 2011 H.R. 2413 (112th) Miller Support No
To establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal… More
To establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal the charter Acts of such enterprises, and for other purposes. (by CRS) Hide
Mobile Informational Call Act of 2011 H.R. 3035 (112th) Terry Support No
To amend the Communications Act of 1934 to permit informational calls to mobile telephone numbers, and for other purposes. (by More
To amend the Communications Act of 1934 to permit informational calls to mobile telephone numbers, and for other purposes. (by CRS) Hide
FHA Emergency Fiscal Solvency Act of 2012 H.R. 4264 (112th) Biggert Support No
To help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. (by More
To help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. (by CRS) Hide
HAMP Termination Act of 2011 H.R. 839 (112th) McHenry Oppose No
To amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while… More
To amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. (by CRS) Hide
United States Covered Bond Act of 2011 H.R. 940 (112th) Garrett Support No
To establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by More
To establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by CRS) Hide
Homeownership Affordability Act of 2011 S. 1508 (112th) Menendez Support No
A bill to extend loan limits for programs of the Federal Housing Administration, the government-sponsored enterprises, and the Department of Veterans Affairs, and for other purposes. (by… More
A bill to extend loan limits for programs of the Federal Housing Administration, the government-sponsored enterprises, and the Department of Veterans Affairs, and for other purposes. (by CRS) Hide
United States Covered Bond Act S. 1835 (112th) Hagan Support No
A bill to establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by More
A bill to establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by CRS) Hide
Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 S. 222 (112th) Whitehouse Oppose No
A bill to limit investor and homeowner losses in foreclosures, and for other purposes. (by CRS)
Responsible Homeowners Refinancing Act of 2012 S. 3085 (112th) Menendez Support No
A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. (by More
A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. (by CRS) Hide
Commercial Building Modernization Act S. 3591 (112th) Snowe Support No
A bill to amend the Internal Revenue Code of 1986 to improve and extend the deduction for new and existing energy-efficient commercial buildings, and for other purposes. (by More
A bill to amend the Internal Revenue Code of 1986 to improve and extend the deduction for new and existing energy-efficient commercial buildings, and for other purposes. (by CRS) Hide
Responsible Consumer Financial Protection Regulations Act of 2011 S. 737 (112th) Moran Support No
A bill to replace the Director of the Bureau of Consumer Financial Protection with a 5-person Commission, to bring the Bureau into the regular appropriations process, and for other purposes.… More
A bill to replace the Director of the Bureau of Consumer Financial Protection with a 5-person Commission, to bring the Bureau into the regular appropriations process, and for other purposes. (by CRS) Hide
Regulation of Mortgage Servicing Act of 2011 S. 967 (112th) Merkley Oppose No
A bill to establish clear regulatory standards for mortgage servicers, and for other purposes. (by CRS)
Helping Families Save Their Homes Act of 2009 H.R. 1106 (111th) Conyers Oppose No
Computation of debt will not include debt incurred by a person's home and bankruptcy (Ch. 13) will be avoided if payment to debtors would require the foreclosure of one's home. Loan… More
Computation of debt will not include debt incurred by a person's home and bankruptcy (Ch. 13) will be avoided if payment to debtors would require the foreclosure of one's home. Loan repayment contracts and mortgages may be subject to cancellation or amendment if payment would require the foreclosure of the debtor's home. Fees and charges to debt files are limited. (by CRS) Hide
Mortgage Reform and Anti-Predatory Lending Act H.R. 1728 (111th) Miller Oppose No
To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other… More
To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. (by CRS) Hide
Helping Families Save Their Homes in Bankruptcy Act of 2009 H.R. 200 (111th) Conyers Oppose No
To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by More
To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by CRS) Hide
Emergency Homeownership and Equity Protection Act H.R. 225 (111th) Miller Oppose No
Consumer Financial Protection Agency Act of 2009 H.R. 3126 (111th) Frank Oppose No
To establish the Consumer Financial Protection Agency, and for other purposes. (by CRS)
Promoting Lending to America's Small Businesses Act of 2009 H.R. 3380 (111th) Kanjorski Support No
To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. (by More
To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. (by CRS) Hide
Medical Debt Relief Act of 2010 H.R. 3421 (111th) Kilroy Support No
To exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled, and for other purposes. (by More
To exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled, and for other purposes. (by CRS) Hide
TARP Reform and Accountability Act of 2009 H.R. 384 (111th) Frank Support No
To reform the Troubled Assets Relief Program of the Secretary of the Treasury and ensure accountability under such Program. (by More
To reform the Troubled Assets Relief Program of the Secretary of the Treasury and ensure accountability under such Program. (by CRS) Hide
Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 4173 (111th) Frank Oppose Yes
A bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American… More
A bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. (by CRS) Hide
FHA Reform Act of 2010 H.R. 5072 (111th) Waters Support No
To improve the financial safety and soundness of the FHA mortgage insurance program. (by CRS)
Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011 H.R. 5850 (111th) Olver Support No
Investing in American Jobs and Closing Tax Loopholes Act of 2010 H.R. 5893 (111th) Levin Support No
To amend the Internal Revenue Code of 1986 to create jobs through increased investment in infrastructure, to eliminate loopholes which encourage companies to move operations offshore, and for other… More
To amend the Internal Revenue Code of 1986 to create jobs through increased investment in infrastructure, to eliminate loopholes which encourage companies to move operations offshore, and for other purposes. (by CRS) Hide
FHA Seller-Financed Downpayment Reform Act of 2009 H.R. 600 (111th) Green Support No
To revise the requirements for seller-financed downpayments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing… More
To revise the requirements for seller-financed downpayments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing Act. (by CRS) Hide
Small Business Lending Enhancement Act of 2009 S. 2919 (111th) Udall Support No
A bill to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. (by… More
A bill to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. (by CRS) Hide
Restoring American Financial Stability Act of 2010 S. 3217 (111th) Dodd Support No
An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the… More
An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. (by CRS) Hide
National Flood Insurance Program Reextension Act of 2010 S. 3814 (111th) Vitter Support Yes
A bill to extend the National Flood Insurance Program until September 30, 2011. (by CRS)
Helping Families Save Their Homes Act of 2009 S. 896 (111th) Dodd Oppose Yes
A bill to prevent mortgage foreclosures and enhance mortgage credit availability. (by CRS)
Community Restoration and Revitalization Act of 2007 H.R. 1043 (110th) Jones Support No
To amend the Internal Revenue Code of 1986 to modify the rehabilitation credit and the low-income housing credit. (by CRS)
Depository Institution Community Development Investments Enhancement Act H.R. 1066 (110th) Frank Support No
To increase community development investments by depository institutions, and for other purposes. (by CRS)
FHA Multifamily Loan Limit Adjustment Act of 2007 H.R. 127 (110th) Frank Support No
To amend the National Housing Act to increase the mortgage amount limits applicable to FHA mortgage insurance for multifamily housing located in high-cost areas. (by More
To amend the National Housing Act to increase the mortgage amount limits applicable to FHA mortgage insurance for multifamily housing located in high-cost areas. (by CRS) Hide
Federal Housing Finance Reform Act of 2007 H.R. 1427 (110th) Frank Support No
It reforms the regulation of certain housing-related Government-sponsored enterprises. (by CRS)
Affordable Housing Preservation Tax Relief Act of 2007 H.R. 1491 (110th) Davis Support No
To amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged. (by More
To amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged. (by CRS) Hide
To Amend the Internal Revenue Code of 1986 to Make Permanent the Deduction for Mortgage Insurance Premiums. H.R. 1813 (110th) Levin Support No
To amend the Internal Revenue Code of 1986 to make permanent the deduction for mortgage insurance premiums. (by CRS)
Expanding American Homeownership Act of 2007 H.R. 1852 (110th) Waters Support No
This bill modernizes the rules of the Federal Housing Administration such that it provides risk-based pricing for low-to-moderate income families and other benefits to increase the number of loans… More
This bill modernizes the rules of the Federal Housing Administration such that it provides risk-based pricing for low-to-moderate income families and other benefits to increase the number of loans taken from the Federal Housing Administration. (by CRS) Hide
Terrorism Risk Insurance Program Reauthorization Act of 2007 H.R. 2761 (110th) Capuano Support Yes
To extend the Terrorism Insurance Program of the Department of the Treasury, and for other purposes. (by CRS)
Housing and Economic Recovery Act of 2008 H.R. 3221 (110th) Pelosi Oppose Yes
A bill to provide needed housing reform and for other purposes. (by CRS)
Mobile Workforce State Income Tax Fairness and Simplification Act of 2007 H.R. 3359 (110th) Johnson Support No
To limit the authority of States and localities to tax certain income of employees for employment duties performed in other States and localities. (by More
To limit the authority of States and localities to tax certain income of employees for employment duties performed in other States and localities. (by CRS) Hide
Emergency Home Ownership and Mortgage Equity Protection Act of 2007 H.R. 3609 (110th) Miller Oppose No
Mortgage Forgiveness Debt Relief Act of 2007 H.R. 3648 (110th) Rangel Support Yes
The Mortgage Forgiveness Debt Relief Act of 2007 amends the Internal Revenue Code to exclude from gross income discharges of indebtedness on principal residences and amends the Tax Increase… More
The Mortgage Forgiveness Debt Relief Act of 2007 amends the Internal Revenue Code to exclude from gross income discharges of indebtedness on principal residences and amends the Tax Increase Prevention and Reconciliation Act of 2005 to increase estimated tax rate for corporations with assets of not less than $1 billion. (by CRS) Hide
Escrow, Appraisal, and Mortgage Servicing Improvements Act H.R. 3837 (110th) Kanjorski Support No
To require escrows for certain mortgage loans, to improve mortgage servicing, to promote sustainable homeownership opportunities, to enhance appraisal quality and standards, to better appraisal… More
To require escrows for certain mortgage loans, to improve mortgage servicing, to promote sustainable homeownership opportunities, to enhance appraisal quality and standards, to better appraisal oversight, to mitigate appraiser pressure, and for other purposes. (by CRS) (by CRS) Hide
Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3915 (110th) Miller Oppose No
To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage… More
To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans, and for other purposes. (by CRS) Hide
Higher Education Opportunity Act H.R. 4137 (110th) Miller Oppose Yes
To amend and extend the Higher Education Act of 1965, and for other purposes. (by CRS)
Emergency Mortgage Loan Modification Act of 2008 H.R. 5579 (110th) Castle Oppose No
To remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, and for other purposes. (by More
To remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, and for other purposes. (by CRS) Hide
Energy Improvement and Extension Act of 2008 H.R. 6049 (110th) Rangel Support No
To amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other… More
To amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes. (by CRS) Hide
Municipal Bond Fairness Act H.R. 6308 (110th) Frank Support No
To ensure uniform and accurate credit rating of municipal bonds and provide for a review of the municipal bond insurance industry. (by More
To ensure uniform and accurate credit rating of municipal bonds and provide for a review of the municipal bond insurance industry. (by CRS) Hide
Home Owners' Mortgage and Equity Savings Act S. 2133 (110th) Specter Oppose No
A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy, and for other purposes. (by More
A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy, and for other purposes. (by CRS) Hide
Helping Families Save Their Homes in Bankruptcy Act of 2008 S. 2136 (110th) Durbin Oppose No
A bill to address the treatment of primary mortgages in bankruptcy, and for other purposes. (by CRS)
Foreclosure Prevention Act of 2008 S. 2636 (110th) Reid Oppose No
A bill to provide needed housing reform. (by CRS)
Expanding American Homeownership Act of 2006 H.R. 5121 (109th) Ney Support No
To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes.… More
To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes. (by CRS) Hide


text:
Unsere Liebe Frau von Longeborgne ist eine Einsiedelei oberhalb des Dorfes Bramois auf dem Gebiet der Gemeinde Sitten im Kanton Wallis (Schweiz). Dieser Pilgerort befindet sich am Fusse einer Felswand in der Schlucht der Borgne. Bei drohender Gefahr brachten sich hier früher die Bewohner der Umgebung samt Hab und Gut in Sicherheit.

Geschichte
1522 erhielten der Franziskaner Jean Bossié und sechs seiner Gefährten die Erlaubnis zur Errichtung einer Kapelle zu Ehren Unserer Lieben Frau und des heiligen Franz von Assisi. Die Feuchtigkeit des Ortes setzte der Gesundheit der Eremiten dermassen zu, dass sie die Einsiedelei schon wenige Jahre später wieder aufgeben mussten. Sie blieb während eines Jahrhunderts verwaist, bis sich Laienbrüder erneut in der Einsiedelei niederliessen.

Mit der Zeit wurde Longeborgne ein Wallfahrtsort zu Ehren Unserer Lieben Frau von den sieben Schmerzen, der heutigen Schutzpatronin der Einsiedelei. Die zahlreichen Votivgaben an den Wänden der beiden Kapellen zeugen von einer tiefen Volksfrömmigkeit, die sich bis heute mit Longeborgne verbindet. Besonders zahlreich sind die Pilger an den Freitagen vor Palmsonntag. An diesen Tagen finden sich bis zu 300 Menschen auf dem Vorplatz der Einsiedelei ein.

Eine Urkunde vom 4. Juli 1699, in der das Patronat der Einsiedelei der Bürgergemeinde Sitten übertragen wird, erwähnt auch mehrere Wunder, die sich in Longeborgne ereignet haben sollen. Im Jahre 1932 übertrug der Bürgerrat von Sitten die Betreuung der Wallfahrtskirche Benediktinern der Abtei St-Benoît de Port-Valais, die sich schon einige Jahre früher in Longeborgne niedergelassen hatten.

Literatur
 Alexander Imhof: Longeborgne. In: Blätter aus der Walliser Geschichte, 1902, vol. 6, S. 28–33 (Link)

Weblinks

 Internetseite der Stiftung Longeborgne

Einsiedelei
Katholischer Wallfahrtsort in der Schweiz
Kulturgut von regionaler Bedeutung im Kanton Wallis
Kultur (Sitten)
Liebfrauenkirche
Erbaut in den 1520er Jahren
Religion (Sitten)

redpajama_set_name: RedPajamaWikipedia


text:
Cast Member: Julian Cheung
All U Need Is Love
It has to be admitted that there are some decent moments within the film and it certainly brings more smiles to the face than many a Chinese New Year comedy of the past.
And I Hate You So
'And I Hate You So' could and should have been much better; instead the viewer is left with a good film that simply didn't realise its full potential.
It's certainly a cut above the standard potboilers and, while it may not stand the test of time, it deserves more recognition than its harsh initial reaction gave it.
Director Frankie Chan does, to his credit, use some intriguing environments and fully capitalises on the grandeur of the wild landscape. However he pays little intention to any logical development of plot or characters.
'The Suspect' is a highly recommended return to form for Ringo Lam after his brief stay in Hollywood. For fans of quality thrillers, this is unlikely to disappoint.

redpajama_set_name: RedPajamaCommonCrawl


text:
"Raoul and the Kings of Spain" is a song by the band Tears for Fears, released as the first single from their 1995 album of the same name. Upon its release, the single reached #31 in the UK and would be the band's last Top 40 hit there for ten years (until 2005's "Closest Thing to Heaven"). The song also reached #39 in Belgium (Wallonia) and #26 in Poland.

Background

In a TV interview in 1995, Roland Orzabal explained that "Raoul is a name that has been in my family for many generations, [...] I was actually born Raoul, and my mother [...] decided that after two weeks she would change it to Roland to make it easier for English people to pronounce. So it became my nickname, and then when I had my first son [...] we decided to hand it on to him."

Orzabal further explained that "The Kings of Spain" is a reference to his family history and lineage from his father's side (his father was of Spanish-Basque descent, and his grandfather was Argentinian). Orzabal stated that, in particular, his father told him "that my great great grandmother was the cousin of the president of Argentina, so really the album should have been called Raoul and the Presidents of Argentina, but not a lot of things rhyme with Argentina."

The track was first performed two years prior to its release on the band's 1993 Elemental World Tour.

Music video
The video for the song was filmed at The Mission Inn Hotel & Spa in Riverside, California. The Inn is a listed historic landmark, and was where Bette Davis married in 1945. The video features Orzabal with his full supporting band including guitarist Alan Griffiths (who co-wrote and co-produced the song) and bass player Gail Ann Dorsey.

Track listing

UK 2-CD set
Disc 1
 "Raoul and the Kings of Spain" - 5:15
 "Queen of Compromise" (Roland Orzabal, Alan Griffiths, Brian Macleod, Jebin Bruni, Gail Ann Dorsey, Jeffrey Trott) - 3:52
 "All of the Angels" (Roland Orzabal, Alan Griffiths) - 4:25

Disc 2
 "Raoul and the Kings of Spain" - 5:15
 "Creep" (Live in Birmingham) - 4:55 (Radiohead cover)
 "The Madness of Roland" (Roland Orzabal, Alan Griffiths) - 5:09

UK CD5 Promo
 "Raoul and The Kings of Spain" (Special Version) - 4:32

German CD5 Promo
 "Raoul and The Kings of Spain" (Edit) - 4:43

Notes
 The verse melody of this song is the same as in the Simple Minds' song "Kick It In".

References

Songs about families
Songs about kings
Songs about Spain
1995 singles
Tears for Fears songs
Songs written by Roland Orzabal


text:
My Mental Health Journey
Bipolar Disorder: Myths vs. Facts
Words By Mae
December 31, 2020 Alexiamaelyn
It was a weird and hard year to say the least.
Honestly, that is a major understatement: it was a wild, wacky, devastating, life-changing, year. From start to finish, it was a long twelve months.
This was the year of COVID-19 and heightened systemic racism, but it was also the year I started law school and became a dog mom. This year I wrestled with singleness, but also gained wonderful friendships. This year I was out of a job for nearly two months, but I eventually returned to the climbing gym–a job I absolutely love!
This year I was reminded of the intermingling between joy and sorrow, love and loss, mountains and valleys. I was reminded Jesus is good and loyal and loving toward us no matter our struggles, battles, or hardships. I was reminded that giving while we grieve helps even while we hurt.
2020 had its highs:
Getting into and starting law school!–the journey to becoming an attorney has been filled with ups and downs, but I am so grateful that I committed to pursuing this dream.
Becoming a dog mom!–my sweet pup Jack has changed my life for the better–his unconditional love and never-ending cuddles fill up my heart.
Learning how to lead climb– and continuing to practice this special type of climbing. Saying no to fear and yes to bravery and yes to trying new and hard things!
Celebrating one year on desk at Summit–a job I enjoy and excel at and love! And landing a promotion over the summer was a wonderful surprise.
2020 had its lows:
Getting rejected by plenty of law schools (but ultimately winding up at the one that was best for me was a high).
Moving back home–I love my family and am grateful for their generosity, but I miss my alone time and being messy! Hehe.
Coping with systemic racism–I live a very privileged and blessed life, but I know that is not the case for every American (or person, for that matter). It's been a learning and growing and mourning process, it's been an eye-opener to consider my colored friends and their daily struggles and hardships.
Surviving COVID-19–just like everyone else, it's been a hard and life-changing year: having to adapt to wearing a mask everywhere, to staying at home as much as possible, to taking virtual classes.
Despite this weird year, I feel blessed.
I feel blessed to have made new friends at the gym and welcomed so many new faces into our climbing community. I feel blessed to have built new relationships, but kept the life-giving ones. I feel blessed to have consistency in my life: with Jesus, with my family, with my well mood.
I feel blessed to have learned and grown and refined who I am. I feel blessed to have loved and lost. I feel blessed to have grown in strength and independence during a year of singleness. I feel blessed to have continued writing stories and sharing my life and learning more about content creation.
It's been an odd and life-changing year, but I am grateful and thankful and happy and whole! I hope that despite the lows and recognizing the highs, you feel grateful and thankful and happy and whole, too!
But if you do not, I hope you know you are not alone in sadness and struggles. You are loved, you are treasured, you are a delight in the Lord's eyes. Go in peace and love, go in grace and mercy, and may you have a better 2021.
Faith2020, 2021, Bipolar, bipolar disorder, blessed, blessings, climbing, Community, Community, Featured, giving thanks, Health, health and wellness, highs, highs and lows, holistic health, law school, law student, love, lows, mental health, mental wellness, mountains and valleys, mountaintop moments, new year, praise, promotions, relationships, thankfulness, thanks, Thanksgiving, Wellness, wholeness, worship
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Hi & Hello!
I am so glad you are here. You happened upon a blog that focuses on holistic wellness, following Christ, and the trials and errors of a young professional just trying to get by. Thank you for visiting. Enjoy!
Bipolar Disorder: Myths vs. Facts Pt. 2
We Did It! 2021 Highlight Reel
Self-Care Series pt. 4: On Connecting With Others
Self-Care Series pt. 3: Find What Fuels You


text:
Cerro Maravilla es el cuarto pico más alto de Puerto Rico con 3953 pies (1205 m). Se encuentra al este del Barrio Anón de Ponce, en la frontera entre los municipios de Ponce y Jayuya en el área sur de la isla, y es parte de la Cordillera Central de Puerto Rico.

El pico es más conocido por ser el lugar donde dos independentistas de Puerto Rico fueron manipulados y ejecutados el 25 de julio de 1978 por la policía. Esta controversia desde entonces ha convertido a la montaña en un punto de encuentro para los partidarios de la independencia del Estado libre asociado de Puerto Rico.

Véase también
Geografía de Puerto Rico
Geografía de Estados Unidos
Caso del cerro Maravilla

Referencias

Cerros de Puerto Rico


John Esshaki is an Investment Advisor with Fortis Net Lease who brings significant and practical commercial experience as an entrepreneur, retailer, and commercial and office landlord. While John has a breadth of knowledge in a variety of areas his particular area of focus is acquisition and disposition of both single and multi-tenant net lease investment real estate. John has lived in Bloomfield Hills, Michigan with his wife and three children for the past 30 years.


text:
FOCAC 2021: China's retrenchment from Africa?
The eighth Forum on China-Africa Cooperation (FOCAC) ministerial meeting that took place in Dakar, Senegal, concluded just last week. Like previous FOCAC meetings, China presented its vision for China-Africa relations for the next three years, this time under the theme "Deepen China-Africa Partnership and Promote Sustainable Development to Build a China-Africa Community with a Shared Future in the New Era." A review of the content, however, illustrates significant shifts in China's priorities, emphasis, and approaches from its earlier patterns. In fact, the Financial Times has lamented the quantitative reduction of China's financial commitments from $60 billion in 2018 to $40 billion this year. However, it is the qualitative changes that raise bigger questions as to whether China is leaving Africa after two decades of robust and ever-growing engagement. Some of the shifts could be temporary and tactical. However, the impact of the others could be far-reaching and long-term.
A downgrade of the FOCAC meeting?
Unlike the past two FOCAC meetings—Johannesburg in 2015 and Beijing in 2018—that, respectively, garnered 13 and over 50 African heads of state or government, the Dakar FOCAC meeting this year was a ministerial-level meeting. Chinese President Xi Jinping delivered a speech virtually, which did boost the seniority level of the meeting, but such a change in attendance raises the question as to whether FOCAC has been downgraded.
The answer is negative. Since its inception in 2000, FOCAC was a ministerial-level event that alternates between Beijing and Africa every three years. The Chinese president has always attended the meetings in Beijing, but, before Xi, the premier attended FOCAC meetings in Africa (Ethiopia in 2003 and Egypt in 2009). It is under Xi that the two FOCAC meetings in 2015 and 2018 were upgraded to leadership summits. This most recent change creates the impression of the Dakar meeting being at a lower level. Though, admittedly, the COVID restrictions likely also played a role.
Scaling back activities
The most significant changes for FOCAC happened quantitatively and qualitatively. Quantity-wise, China is significantly scaling back its planned activities in Africa. For agricultural assistance, climate and environment, health, peace and security, and trade promotion, the number of committed projects for each category dropped from 50 projects in 2018 to 10 projects this year. For capacity building, the educational and training opportunities offered decreased from 50,000 government scholarships and 50,000 training opportunities three years ago to 10,000 training and seminar opportunities for high-end talents this time. These are drops of 80 and 90 percent, respectively.
Substance-wise, the content of each category also shrank. For example, under climate and environment, the 2018 commitment included items from maritime cooperation to wildlife protection, from policy dialogues to joint studies to professional training. However, this year, only two items were included: the "Africa Green Great Wall" and demo centers for low-carbon and climate change adaptation. The scope of public health support also was scaled back from a long list in 2018 covering the Africa Centers for Disease Control and Prevention (Africa CDC), disease control cooperation, information sharing, friendship hospitals, training of African doctors and medical teams, traveling clinics, and special projects for women and children, to a very brief action item of "dispatching 1500 medical staff and public health experts" this year. The rest of the actions are all related to COVID-19. Similar cutbacks are equally evident in the people-to-people exchanges and peace and security categories.
Shifting away from infrastructure
Perhaps the most striking element of China's FOCAC commitment this year is the complete disappearance of infrastructure from the narrative. Indeed, throughout Xi's keynote speech, the word "infrastructure" did not appear even once—a sharp contrast to the four direct references to infrastructure in his 2018 keynote. In China's 2018 FOCAC commitment, connectivity infrastructure was listed as the No. 2 priority among the eight action plans, focused mostly on hard infrastructure projects on the ground.
Given China's long history of infrastructure development in Africa, the omission of infrastructure in China's new commitment is simply glaring. Despite China's claim of altruistic intent, many of the projects are controversial. Especially with the debt sustainability issues since the COVID-19 crisis, Chinese loans used for such infrastructure development have put several governments in difficult spots, such as the potential Chinese takeover of Uganda's Entebbe airport, the potential seizure of Kenya's Mombasa port, and the recurring debt repayment issues Zambia struggles with. These controversies loomed large in the background of the FOCAC meeting this year.
The lack of reference to infrastructure in China's FOCAC commitment does not suggest that China will exit the domain. After all, China has accumulated a large number of ongoing infrastructure projects with loan terms, especially after their debt renegotiation, extending far into the future. In addition, Chinese contractors still enjoy unique strengths on the market, such as in cost control and efficiency, which enable them to continue to play their role in the future of the African infrastructure development market. However, this shift away from infrastructure development in Africa, if sustained, could be the most significant change in China's engagement with Africa in recent years.
Ensuing change in financing
One of the primary drivers of Chinese lending, especially in terms of loans and export credit (totaling $35 billion in the 2018 package) was to support this infrastructure development. Such lending has consistently facilitated the procurement of Chinese services and products. However, as China shifts away from infrastructure, the pattern of Chinese financing is bound to change.
The change is well-reflected in the $40 billion China committed in Dakar. China will continue to push Chinese companies to invest a much smaller $10 billion in Africa in the next three years—at the same level as in the 2018 commitment. The big change came in credit: Not only will China provide only half the previous amount, dropping from $20 billion to $10 billion, but it also will provide the credit only to African financial institutions for them to support the development of African companies. In the past, this line item was provided to African governments to fund Chinese projects. The introduction of African financial institutions as the middleman will free China from the decisionmaking, hence shielding it from being the direct culprit of the debt stress Africa has run into.
China is also allocating $10 billion from its share ($29.216 billion) of the International Monetary Fund's (IMF) new allocation of $650 billion special drawing rights (SDR) to Africa. China is not unique in this respect: This transfer is in line with the IMF's call for wealthy countries to channel their share to less-developed countries. For example, France has announced that it intends to transfer 20 percent of its new SDRs to African countries. Notably, the U.K. has advocated for the same, but is using its new SDRs as a device to cut its traditional foreign aid while appearing to maintain its commitment to foreign aid. China appears to share the U.K.'s aspiration: to maintain its financial commitment to Africa while reducing the cash it must spend directly from its pocket.
The one growing category in China's financial commitment to Africa is trade finance, and the country correspondingly doubled its 2018 commitment of $5 billion. The funding will support African products and service exports, with the aim of enhancing their value added. The increase is due to the better-than-expected result of the trade funding in the past three years. Under the China Exim Bank, the amount distributed exceeded the original commitment and reached $6.2 billion due to popular demand.
Increased focus on trade facilitation
The fact that trade finance was the only growth point of China's financial commitment to Africa suggests one thing: that China eyes growing trade with Africa as its priority. According to Xi's statement, China aims to increase its imports from Africa to a total of $300 billion in the next three years. China's imports from Africa in 2020 were $72.7 billion. At this rate, such imports will have to expand by 27.3 percent to hit the target, which is a fairly ambitious number.
The priority in promoting African exports to China is partially motivated by the Chinese desire to balance trade with Africa, as Beijing is sensitive about the large trade deficit Africa runs. At the pre-FOCAC press conference, the Chinese Ministry of Commerce went as far as to portray China-Africa trade as "mostly balanced" in the past two decades, with $1.2 trillion in imports from Africa and $1.27 trillion in exports to Africa. However, this numbers game conveniently disguises a large and growing trade imbalance. In 2019, China's trade surplus against Africa was $17.7 billion ($113.2 billion in Chinese exports and $95.5 billion in Chinese imports). In 2020, the imbalance grew 243 percent, to an astounding $41.5 billion, with $114.2 billion in Chinese exports and $72.7 billion in Chinese imports.
The worry about the trade imbalance and its optics are why trade promotion occupied a high priority in China's action plans for the next three years. And Beijing appears ready to beef up the efforts with faster inspection and quarantine procedures, more products under zero-tariff, etc.
Observers have called China's FOCAC commitment from the Dakar Meeting "underwhelming." Indeed, with the vivid memories of the recent extravagant packages from 2015 and 2018, the Dakar meeting suggests a Chinese retrenchment from FOCAC—and from Africa. The amount of financial commitment, the number of promised projects and opportunities, and the relatively thin content of the action items together illustrate China's cutback of activities on the African continent.
The cutback is in line with the shifting priorities and approaches of China in Africa. Beijing is visibly moving away from its infrastructure-centric and Chinese loan-heavy approach of recent years. The new focus, however, is less evident. Trade promotion, especially facilitation of African exports to China, appears to be the key. But it is hard to imagine that trade could fill the large space infrastructure development has occupied in China-Africa relations in any meaningful way.
The origin for this shift is multifaceted. Chinese loans to Africa have run into viability challenges and suffer from the social stigma as "debt traps." Given all the loan repayment problems that have occurred so far, it is conceivable that both China and Africa would want to slow it down on this particular front. China's own economic slowdown is another factor. No one expected China's financial commitment to Africa to grow indefinitely. However, the impact of COVID-19 and travel restrictions on the Chinese economy, as well as the impact of the trade war, are all taking a heavy toll on China's financial capability to sustain the spending the world witnessed in the earlier years.
While the shift is real, it remains to be seen as for whether it is a short-term tactical change or a long-term strategic reorientation. After all, COVID-19 is a black swan event that has deeply affected the modality of China-Africa relations, and the world is still gauging its impact and time horizon. Until those questions are answered, it is hard to predict which way the African economy will turn. So, there is no guarantee that China-Africa economic ties will not resume some of their old patterns in the future. However, at least for the time being, adjustments are well under way, and the Dakar FOCAC meeting is the most powerful and authoritative illustration of it.
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text:
DVIDS HOMETOWN NEWS
Lakeland, FL Area
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Training Squadron (VT) 86 Change of Command
Courtesy Photo | Chief of Naval Air Training | 11.14.2019
PENSACOLA, Fla. (Nov. 14, 2019) Commanding Officer of the "Sabrehawks" of Training Squadron (VT) 86 Cmdr. Joshua Fuller gives remarks as he prepares to relinquish command to Cmdr. Eric Reeves during a change-of-command ceremony at Naval Air Station Pensacola, Nov. 14. VT-86 trains the world's finest combat-quality naval flight officers. (U.S. Navy photo by Lt. Steve Smith/Released)......
Hometown: Orlando, FL
Training Squadron 86 Holds Aerial Change of Command at NAS Pensacola
Story by Lt. Michelle Tucker | Chief of Naval Air Training | 11.14.2019
The "Sabrehawks" of Training Squadron (VT) 86 held a change-of-command ceremony at Naval Air Station (NAS) Pensacola, Nov. 14....
Air Terminal Operation
Photo by Lt. Jamie Moroney | U.S. Naval Support Activity Naples | 11.06.2019
NAPLES, Italy (November 5, 2019) U.S. Navy Lt. Diego McKnight, a Naval Aviator from Pembroke Pines, Florida, right, discusses emergency management procedures with Machinist's Mate 1st Class Casey Fitz, from Gibsonton, Florida, in the Air Terminal onboard Naval Support Activity (NSA) Naples. NSA Naples is an operational ashore base that enables U.S., allied and partner nation forces to be where......
Hometown: Gibsonton, FL
Chicago Bears - Zach and Melissa Taube
Video by Airman 1st Class Shay Stuart | 379th Air Expeditionary Wing Public Affairs | 11.06.2019
NFL shoutout to Chicago Bears U.S. Air Force SSgt Zach Taube and U.S. Air Force SrA Melissa Taube while deployed in Al Udeid Air Base in, Qatar November 6, 2019....
Spc Marc Stephenson Veterans day Greeting
Video by Pvt. Stephen Ruiz | 7th Mobile Public Affairs Detachment | 11.01.2019
Spc Marc Stephenson Shout outs
Spc Marc Stephenson Yankees shoutout
Service members gain knowledge in basic explosive ordnance disposal procedures
Photo by Lance Cpl. Karis Mattingly | Marine Corps Installations Pacific | 10.31.2019
U.S. Marine Corps Pfc. Madison Shoemaker, with 11th Marine Regiment, a native from Saint Cloud Florida, participates in an Explosive Ordnance Disposal (EOD) course conducting practical application electrical demolition procedures, Oct. 30, 2019, Camp Foster, Okinawa, Japan. The EOD course's purpose is to teach basic demolition effects, explosive theory, safety considerations while on the......
Hometown: St. Cloud, FL
MWD team assists with parade safety
Photo by Danette Baso Silvers | Naval Air Station Key West | 10.28.2019
191026-N-KM072-004 KEY WEST, Fla. (Oct. 26, 2019) Naval Air Station Key West's Military Working Dog Jessy and her handler Master-at-Arms 1st Class Robert Calabro inspect parade floats before the city's annual Fantasy Fest Parade. Each year the MWD team assists the City of Key West in preparation for the parade. Naval Air Station Key West is the state-of-the-art facility for combat fighter......
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The UK uses 7 million disposable cups every day or 2.5 billion each year, less than 1% of these cups get recycled. Urban is NOT ok with this, our disposable cups are bio-degradable but we want to do more to protect the wonderful world we live in.
Though disposable cups are made largely of paper, disposable coffee cups are lined with plastic polyethylene, which is tightly bonded to the paper making the cups waterproof and therefore able to contain liquid. In addition, the difficulty of recycling coffee cups is increased by the fact they are contaminated with drink. This means cups cannot be recycled at standard recycling plants, and must instead be taken to special facilities of which only three exist in the UK.
A re-usable cup needs to be used less than 20 times to become more efficient than a single disposable cup, this considers the energy required to create the re-usable cup. One way for us all to cut down the number of disposable cups we use it to get a re-usable cup for our morning cup of Joe.
We spent way too much time testing out re-usable cups, you could say we are a bit of an expert now. We looked at KeepCup (you see these in lots of coffee shops), SolCups and many more to come up with the answer.
Introducing the Urban rCUP. The world's first reusable coffee cup made from used paper cups. The rCUP reusable coffee cup is the brainchild of former Dyson designer Dan Dicker and a team of recycling experts who set out on a mission to create the best reusable cup on the market today, we think they have cracked it. The whole cup is 100% recyclable along with your other household recycling.
No more drinking your coffee through a small hole. The Urban rCUP reusable coffee cup is designed for 360° drinking so you never need to check where to drink from and, best of all, you get the full coffee aroma with every sip.
Our rCUP's innovative design makes it quick and easy to open and close with one hand. The perfect travel mug for when you're on the go, on the phone or just juggling!
You need to be able to use the Urban rCUP anywhere and anytime. So we've made it completely leak proof. You can carry our travel mug anywhere without spilling a drop.
Our reusable cup is fully insulated, so it's comfortable to hold and keeps your drink hotter or cooler for longer. Lattes and cups of tea will stay warm in an rCUP for at least 1 hour and 20 minutes.
Head into an Urban Emporium and grab yourself an rCUP from 1st Feb.


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Mia and the White Lion (2019) Soundtrack
Moving to South Africa (feat. The Chœur préparatoire de La Maîtrise de Paris) [From "Mia and the White Lion"]
Anne Sophie Versnaeyen - Mia and the White Lion (Original Motion Picture Soundtrack)
The Legend of the White Lion (From "Mia and the White Lion")
Armand Amar - Mia and the White Lion (Original Motion Picture Soundtrack)
Mia's Song (feat. Gunnar Ellwanger) [From "Mia and the White Lion"]
Playing With Charlie (feat. Laurent Courbier) [From "Mia and the White Lion"]
Discovering the Wild Life (feat. Insingizi) [From "Mia and the White Lion"]
Mia and Charlie (feat. Insingizi) [From "Mia and the White Lion"]
Searching for Charlie (From "Mia and the White Lion")
Mick Is Wounded (From "Mia and the White Lion")
We're Gonna Sell Charlie (From "Mia and the White Lion")
Lion's Slaughtering (feat. Insingizi) [From "Mia and the White Lion"]
The Trap (From "Mia and the White Lion")
Runaway I (From "Mia and the White Lion")
Runaway II (From "Mia and the White Lion")
Dirk the Poacher (From "Mia and the White Lion")
Charlie's Freedom (feat. Isabel Sörling) [From "Mia and the White Lion"]
A Lion in the Mall (From "Mia and the White Lion")
Hugo Gonzalez-Pioli - Mia and the White Lion (Original Motion Picture Soundtrack)
The Sanctuary (feat. Insingizi) [From "Mia and the White Lion"]
Hunted (From "Mia and the White Lion")
The Lion Sleeps Tonight (From "Mia and the White Lion")
Kids United nouvelle génération - Mia and the White Lion (Original Motion Picture Soundtrack)
Charlie Misses Mia (feat. Hugo Gonzalez-Pioli) [From "Mia and the White Lion"]
The Legend of the White Lion II (From "Mia and the White Lion")
The Legend of the White Lion III (From "Mia and the White Lion")
A Miracle for Christmas (From "Mia and the White Lion")
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Micropeza planula är en tvåvingeart som beskrevs av Cresson 1926. Micropeza planula ingår i släktet Micropeza och familjen skridflugor.

Artens utbredningsområde är Venezuela. Inga underarter finns listade i Catalogue of Life.

Källor

Skridflugor
planula


What If I'm In A Car Accident With A Leased Vehicle?
Car accidents can be nerve-racking, and they are even more worrisome when it involves your leased vehicle. Essentially, a leased vehicle is a car that you agree to make payments on for a set period of time. According to the majority of these types of agreements, you do not outright own the car, nor are you able to sell it. Due to your lack of full ownership, the claims dispute is a little different when you are involved in an accident.
Firstly, the dealership has to be actively involved in the process because they reserve ownership of the vehicle. Additionally, there are stipulations you must follow and entities you must alert as soon as you can. Read on to learn about what you should expect when your leased vehicle is involved in an accident and how a car accident lawyer can help.
The first thing you must do when you realize that you are involved in an accident is contact the authorities. The police, fire department, and ambulance are first responders trained to handle the trauma of an accident. If you have a cell phone available, dial 911 immediately or ask a witness if you can borrow their device.
Next, you must check on any passengers in your vehicle to make sure they are okay. If not, try to help them exit the vehicle and wait with them until the ambulance comes to offer assistance.
You must then talk to the owner of the other vehicle involved in the accident and record their personal information. Find out their name, address, phone number and insurance provider. This information will come in handy when you talk to your own insurance adjuster and your car accident lawyer.
Once the police have arrived at the scene of the accident, they will speak to all parties involved to get a clear understanding of what happened. They will record this information on a report that will available a few days following the accident. You will need a copy of this report for your record. You will also need a copy of the report for your insurance company and the dealership that owns your car.
You must notify your insurance company and the dealership as soon as the accident happens. If your car is leased through a third party such as a bank, they must also be alerted. The dealership and the insurance company should work with you to have the vehicle repaired.
Drivers of leased vehicles are able to file a liability claim against the other driver, depending on who was at fault for the accident. They will need to contact the driver and the driver's insurance company to tell them general details of the accident. A car accident lawyer can help you contact the opposing party and speak to them on your behalf.
The insurance company will either decide to process the claim or argue against it. If they agree to fix your vehicle, they will need estimates from a repair shop. In this case, your insurance company will send an adjuster to examine the vehicle and determine the cost of damage.
Typically, in lease agreements, the dealership offers the driver a deal on repairs. If the other driver's insurance company refuses to pay for damages, your insurance company may help you cover the repair costs. The collision coverage policy is usually the stipulation that provides coverage for car accidents.
The car accident lawyers at Heuser & Heuser have decades of experience litigating car accidents involving leased vehicles. We understand the intricacies of your case, and we offer a free case review to help you get started. Contact us today!


This is the basic Cabernet from Myriad, superstar winemaker Mike Smith's own winery. This is in a great place and drinking great right now but has a long life ahead. Big and full of fruit and power, but not over the top. Purple in color. The nose has cassis, slight char, baking spice and slight black cherries. On the palate, lots of cassis and black cherries. Also underlying minerality and char. Medium tannins. Great balance. Long finish. This needs heartier food and also drinks well on its own. Delicious. $60 retail is actually a good value for this level of Napa Cab. Perhaps still has some upside.