In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Rector Bath, NC Priest Associate or Director of Adult Ministries Greenville, SC Featured Jobs & Calls Rector Martinsville, VA Submit a Job Listing Assistant/Associate Rector Morristown, NJ AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Rector/Priest in Charge (PT) Lisbon, ME Associate Priest for Pastoral Care New York, NY Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 [Episcopal News Service] The Deputies of Color of the General Convention issued the following statement on March 23 in response to violence and hate directed against people of Asian and Pacific Islander descent.The Deputies of Color of the General Convention (Asian Caucus, Black Caucus, Indigenous Caucus, and Latinx Caucus) express deep concern and sadness for the increased racial violence against the Asian and Pacific Islander population. The murders in Georgia on Tuesday, March 16, 2021, reflect the American reality of a society deeply ingrained with racism, white supremacy, and sexism.We mourn the lives lost and stand with the victims and families. We are hurt that members of our Asian community wake every morning fearing acts of violence and have become the scapegoats for this pandemic. We lament the complicity of silence and we express our gratitude for many who stand in solidarity with the Asians and Pacific Islanders during this troubling time.It is becoming far too common for people acting through social media or in their day-to-day encounters to encourage such hatred. What is happening and the normalization of violence in any form are not acceptable and need to stop. The destructive power of words has caused lives to be lost. For too many years, ignorance and hate have been weaponized against people of color. This hatred and ignorance are another virus amongst us.We call on all people across The Church to use their voice and power to stop these acts of hatred and racial violence immediately. We call on all leaders to set an example in their words, their deeds, and all forms of communication to oppose such hatred instead of encouraging it. We cannot see members of our community as “others” but as people we are in communion with.President Biden in his recent address on Asian discrimination stated, “this has to change, because our silence is complicity. We have to speak out. We have to act.” We echo the words of Dr. Martin Luther King, Jr: “In the end, we will remember not the words of our enemies, but the silence of our friends”. We appreciate and affirm Presiding Bishop Michael Curry’s message calling for the followers of Jesus of Nazareth to “stand up, speak up, and show up when hatred or bigotry is directed at any child of God.” Today, we stand in solidarity with our Asian siblings, and we are committed to reach out to them, offering kindness and love, so that we can become The Beloved Community. Acts of racial hatred need to end NOW.Submitted by the Deputies of Color Steering Committee for the 80th General Convention:Asian CaucusRyan Kusumoto, co-chair, Diocese of HawaiiAlan Murray, co-chair, Diocese of OregonCanon Barbara Okamoto Bach, secretary, Diocese of New JerseyWarren Wong, Diocese of CaliforniaBlack CaucusThe Hon. Rose Sconiers, chair, Diocese of Western New YorkLouis Glosson, vice-chair, Diocese of San DiegoKrisita Jackson, secretary, Diocese Central FloridaDianne Audrick Smith, Diocese of OhioJoe McDaniel, Jr., Diocese of Central Gulf CoastIndigenous CaucusThe Rev. Br. Simeon Powell, CG co-chair, Diocese of Northern CaliforniaMinnie Steele, co-chair, Diocese of MinnesotaThe Rev. Michael Sells, secretary, Navajoland Area MissionThe Rev. Rachel Taber-Hamilton, Diocese of OlympiaLatinx CaucusWendy Cañas, co-chair, Diocese of New YorkThe Rev. Nancy Frausto, co-chair, Diocese of Los AngelesThe Rev. Jose Rodriguez, secretary, Diocese of Central FloridaThe Rev. Daniel Vélez-Rivera, Diocese of Virginia Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Rector Knoxville, TN Curate Diocese of Nebraska Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector Shreveport, LA Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Priest-in-Charge Lebanon, OH TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Director of Administration & Finance Atlanta, GA Deputies of Color express concern, sadness over increased violence against Asians and Pacific Islanders Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT New Berrigan Book With Episcopal Roots Cascade Books Youth Minister Lorton, VA Rector Washington, DC Submit a Press Release Cathedral Dean Boise, ID Posted Mar 23, 2021 Assistant/Associate Priest Scottsdale, AZ Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Curate (Associate & Priest-in-Charge) Traverse City, MI Assistant/Associate Rector Washington, DC Rector Smithfield, NC Director of Music Morristown, NJ Rector (FT or PT) Indian River, MI Rector Hopkinsville, KY Associate Rector Columbus, GA Rector Collierville, TN Rector Tampa, FL Rector Pittsburgh, PA Submit an Event Listing Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Rector and Chaplain Eugene, OR Rector Albany, NY The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Bishop Diocesan Springfield, IL Missioner for Disaster Resilience Sacramento, CA Canon for Family Ministry Jackson, MS Featured Events The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Course Director Jerusalem, Israel Family Ministry Coordinator Baton Rouge, LA Associate Rector for Family Ministries Anchorage, AK Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Rector Belleville, IL Press Release Service
Tagged with: Consulting & Agencies Digital Individual giving Research / statistics US digital marketing and fundraising agency Donordigial’s latest newsletter demonstrates what can be achieved by securing donated banner ads.Donordigital report in their latest newsletter how they secured donated banner advert space to help launch the American Lung Association’s annual State of the Air Report on how air quality affects people’s health.The agency negotiated with AOL, Yahoo!, and others similar major online publishers to secure 10 million donated banner impressions. The banners were interactive and enabled people to enter their zip codes into them to find out how dirty – or clean – their local air was. In total about 300,000 people clicked on the banners to find out this information. Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 24 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Donordigital reports on effect of donated banner ads for client Howard Lake | 12 June 2004 | News About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Mitchell Stehlyhttps://www.tcu360.com/author/mitchell-stehly/ Facebook + posts The109: Development plan revealed for Berry Street ReddIt Mitchell Stehly printAfter one quarter of play, the Paschal Panthers and Arlington Martin Warriors were all tied at seven points at AT&T Stadium, home of the Dallas Cowboys.439 rushing yards and 87 points later, the Warriors never looked back en route to a 59-7 halftime lead and a 87-20 win in Arlington.The Panthers (3-7), who played their final 2015 regular season game last night at 7 p.m., did not win a district game this year.First year head coach Matt Miracle said his team has improved since Arlington Martin beat Paschal 86-21 a year prior, despite the similar score.“It was a running clock the entire second half,” Miracle said of the 2014 contest. “So you know, timeouts change of possessions, they just kept the clock running. Which to me is kind of embarrassing.”Miracle said he sees a similarity between what Arlington Martin’s program used to be and what his program is now.“What people forget about Martin is that about ten years ago or maybe even 12 now, before Bob Wager took over, they were similar to the kind of situation we’re in trying to build something special,” Miracle said.However, as Miracle notes, Paschal will have to overcome the obstacles that occur as a smaller school in a big district. Miracle understands that he has a smaller pool of athletes to choose from.“Arlington ISD is a tough match for us because number one, they’ve got less schools so they have more, their populations are larger at every school than what we have,” Miracle said. “We are one of the smallest schools in our district.”Miracle said he was mostly impressed with his team’s performance besides a second quarter that was dominated by the Warriors. Arlington Martin rushed for six touchdowns, recovered another in the end zone and forced a safety on their way to a 59-7 halftime lead.“The kids kept fighting,” Miracle said. “I was really proud of the effort. The way the kids responded after halftime.”And despite the lopsided score, Paschal right tackle Hal Torrez said the experience of playing at AT&T Stadium was well worth it.“We had a great, great experience there,” Torrez said. “It was a lot of fun. Always watched Sundays there.”[View the story “Paschal – Arlington Martin Reaction” on Storify] Twitter Linkedin Facebook Mitchell Stehlyhttps://www.tcu360.com/author/mitchell-stehly/ Mitchell Stehlyhttps://www.tcu360.com/author/mitchell-stehly/ Abortion access threatened as restrictive bills make their way through Texas Legislature Mitchell Stehlyhttps://www.tcu360.com/author/mitchell-stehly/ Twitter Development plan revealed for Berry/University, some express opposition TCU students finish intramural season, enjoy indoor soccer ReddIt Linkedin Previous articleNew director to head Neighborhood Services DepartmentNext articleBreast cancer focus hits home for many at Mr. ZTA pageant Mitchell Stehly RELATED ARTICLESMORE FROM AUTHOR Grains to grocery: One bread maker brings together farmers and artisans at locally-sourced store Paschal catcher commits to TCU Fort Worth set to elect first new mayor in 10 years Saturday
TCU places second in the National Student Advertising Competition, the highest in school history Facebook Twitter ReddIt Twitter Linkedin Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ Students share stories of discrimination + posts Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ ReddIt Sophia Doumani Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ printThe TCU Campus Recreation Center staff is campaigning to encourage women to lift weights.Krista Nussey, who creates posters for the Rec Center, says the gym is almost always split between men in the weight room downstairs and women in the cardio room upstairs.Nussey said when she or other staff members ask the women why they are not going into the weight room, the typical response is because they don’t want to “get buff.”“It really bothers me when I hear comments like that because there is a lot of misinformation,” Nussey said. “Lifting weights is very important in maintaining your posture, keeping you strong and keeping you from getting injured.”Sports psychology major Emma Beserra works in the weight room and is getting certified to be a personal trainer. She said it upsets her when she hears women say they think lifting weights will make them bulky.“It takes so long for muscles to grow,” Beserra said. “If you’re not lifting extremely heavy all of the time and if you’re not eating a surplus of calories every single day you’re not going to be putting on a ton of muscle.”The Rec Center staff hopes that the monthly signs displayed at its’ entrance will combat the stigma that women should not be lifting weights. Nussey said even the most subtle sign can be impactful.“Images play a big role in our subconscious and I think presenting positive images and messages, specifically about women lifting, is very important,” Nussey said.TCU dietitian Lindsey Mathes said she thinks the overly thin women portrayed in media contribute to this fear of being bulky.“It’s important to show women lifting weights because it’s helping to promote the idea that women aren’t suppose to be little stick-thin figures,” said Mathes, who also works as a personal trainer.Mathes said that the health benefits of lifting cannot be matched by anything else.“If we don’t have that muscle to support us we are at risk for osteoporosis,” Mathes said. “Balance, coordination, and agility are all impacted by a lack of muscle.”Beserra said she sees women spending endless hours on cardio machines hoping to lose weight but it won’t help them as much as they think.“When you have more muscle you automatically burn more calories at rest than you would if you didn’t have that muscle,” Beserra said. “When your doing cardio you’re not building your muscle so you’re just burning calories during the workout and not really anytime else.” TCU may become a smoke and tobacco-free campus Sophia is a senior broadcast journalism and communication studies double major. She is currently writing and producing stories for TCU 360 and TCU News Now. Facebook Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ Previous articleFirst comes graduation, then comes marriageNext articleNursing students continue elaborate graduation tradition Sophia Doumani RELATED ARTICLESMORE FROM AUTHOR The “perfect” freshman Winter weather causes health concerns Linkedin The College of Science and Engineering Dean, Phil Hartman, retires after 40 consecutive years TCU Frog Camps returning to more traditional look this summer
Previous: Quicken Loans Officially Files for IPO Next: How Times of Crisis Cause Stress on Minority Homeowners July 8, 2020 1,736 Views Electronic Communications With BorrowersThe FAQs affirm that servicers may send servicing notices in electronic form and are subject to the requirements of the Electronic Signatures in Global and National Commerce Act. in Daily Dose, Featured, News, Print Features Demand Propels Home Prices Upward 2 days ago Thomas Grundy, CRCM, is senior director, U.S. Advisory Services for Wolters Kluwer. He has 34 years of combined experience as a former regulator, compliance professional, and consultant. Grundy launched his career as an examiner for the Office of the Comptroller of the Currency and later served as an oversight examiner for the Federal Reserve Board in Washington. In addition, he has served as a compliance officer for fintech and traditional banking and financial services organizations. In his current role, he advises banking, credit union, mortgage, student lending, and financial technology clients. Consumer Right to Request ForbearanceSection 4022 of the Act provides that a borrower experiencing financial hardship due to the COVID-19 pandemic can request forbearance for a federally backed mortgage loan, regardless of delinquency status. This process occurs through the submission of a request by a borrower to the servicer of his or her mortgage affirming that he or she is experiencing a financial hardship during the COVID–19 emergency. Upon this request by a borrower, the servicer is required to grant forbearance for up to 180 days. The servicer shall extend the duration of the forbearance for an additional period of up to 180 days.Upon receiving a request for forbearance from a borrower, the law provides that a servicer shall grant the request with no additional documentation required other than the borrower’s attestation to a financial hardship caused by the COVID–19 emergency. The law explicitly provides that during the period of forbearance “no fees, penalties, or interest beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract” can be assessed on the borrower. Servicers should be careful to comply with this prohibition. Governance processes and system-driven controls must ensure that no fees, penalties, or interest beyond the amounts scheduled or calculated—as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract¬—are charged.These controls must remain fully established in connection with the 180-day forbearance period, as well as an extension for an additional period of up to 180 days, provided that the request is made during the covered period (although not specifically defined in the law, it presumably means during the original 180-day period) and that at the borrower’s request, either the initial or extended period of forbearance may be shortened. The Best Markets For Residential Property Investors 2 days ago Payoff StatementsThe FAQs address the question of whether servicers can take more than seven business days to provide a payoff statement due to operational challenges brought on by the pandemic. The FA Q s state that while the servicer does not need to provide the statement within seven business days, it should be provided within a “reasonable time.” Short-Term Loss Mitigation OptionsRegulation X generally requires servicers to obtain a complete loss-mitigation application before evaluating a mortgage borrower for a loss-mitigation option, such as a loan modification or short sale. However, the FA Q stipulate that CARES Act forbearance qualifies as a “short-term repayment forbearance program” under Regulation X. A servicer may offer a short-term payment forbearance program or a short-term repayment plan to a borrower, based upon an evaluation of an incomplete loss mitigation application. The FA Q s go a step further in stating that a servicer may offer any loss-mitigation options to a borrower who has not submitted an application at all. The FA Q s address communications requirements associated with short-term payment forbearance. The FAQs provide that “until further notice” servicers will not be cited in an examination or that the agencies intend to take supervisory or enforcement action for failing to provide acknowledgement notice within the five days of application for forbearance. The only qualifier is that servicers should make a good faith effort to provide notices and take the related actions within a reasonable time.Subsequent notices provided to the borrower provide information detailing the specific payment terms; duration of the program or plan; that the program or plan is based on an evaluation of an incomplete application; that other loss mitigation options may be available, and that the borrower has the option to submit a complete loss-mitigation application to receive an evaluation for all available options, regardless of whether the borrower accepts the short-term program or plan. Servicers are required to provide the second communication in cases where the borrower remains delinquent near the end of the forbearance program or repayment plan. The servicer must contact the borrower prior to the end of the forbearance period and determine whether the borrower needs to complete the loss-mitigation application and proceed with a full loss-mitigation evaluation. The CFPB allows servicers the flexibility to add language to the subsequent notices to clarify why they are offering short-term options and to help avoid borrower confusion. The FA Q s state that servicers are under no requirement to tailor the first or second communications and may use similar content to conserve resources during the pandemic. Early Intervention Requirements Four questions relative to early intervention requirements are addressed in the FA Q s. The first two questions address whether servicers are required to comply with live contact requirements and early intervention written notice requirements, and they clarify the associated timelines in Regulation X, 12 CFR 1024.39(a) and (b). Similar to the agencies’ position on notifications, compliance with live contact and provision of the 45-day letter is generally expected. The FA Q s clarify that the agencies have agreed that they do not intend to cite in an examination or bring an enforcement action against servicers for delays in establishing or making good faith efforts to establish live contact and provide written notice.The focus during the pandemic is on “good faith efforts” which, the FA Q s clarify, consist of “reasonable steps, under the circumstances” that are defined as “calling the borrower on more than one occasion or sending written or electronic communication encouraging the borrower to establish live contact with the servicer.” The FAQs also contextualize what might constitute good faith, suggesting that the servicer should consider the length of a borrower’s delinquency, as well as a borrower’s failure to respond to a servicer’s repeated attempts at communication. Servicers will be considered in compliance with the early intervention live contact requirements if the servicer has established and is maintaining ongoing contact with a borrower under the loss mitigation procedures. The FAQs remind that live contact requirements are not applicable when a borrower is performing as agreed under a loss mitigation.The third and fourth questions address whether a servicer must comply with early intervention, live contact, and written notice requirements if the borrower is participating in CARES Act forbearance. The FAQs explain that the answers to these questions depend on circumstances, noting that borrowers can request a CARES Act forbearance regardless of delinquency status. More direct to the point here is that if the borrower is delinquent, the servicer must comply with early intervention requirements. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Continuity of Contact RequirementsThe FA Q s recognize that servicers may experience customer service call center staffing challenges due to the pandemic. As such, assigning a “single point of contact” to each delinquent borrower may prove difficult. The FA Q s grant some flexibility on this requirement, stating that “servicers must maintain policies and procedures reasonably designed to assign personnel to a delinquent borrower that can assist the borrower with loss mitigation options” and that a “servicer has discretion to determine whether to assign a single person or a team of personnel.” Is Your Program CARES Act Compliant? Move for foreclosure judgment or order of sale or conduct a foreclosure sale in the case of a borrower who is performing pursuant to the terms of a loss mitigation agreement.The FAQs also remind that small servicers are subject to and must comply with the payoff statement provisions in Regulation Z, 12 CFR 1026.36(c)(3). 2020-07-08 Mike Albanese Subscribe Annual Escrow StatementThe FAQs, in response to the question of whether servicers must conduct the annual escrow analysis and send annual escrow statements required by Regulation X, stipulates that the answer is yes. This response recognizes that escrow statements may generate call volume and contribute to borrower anxiety. As with earlier questions, the agencies do not intend to cite in an examination or bring an enforcement action against servicers for delays in sending the annual escrow statement—provided servicers make a good faith effort within a reasonable time. The agencies suggest that servicers inform the borrower that they are forgoing collection for several months on any shortage or deficiency. The FA Q s provide a reminder of the exemption from providing an annual escrow account statement when a borrower is more than 30 days past due. For borrowers who are subsequently reinstated and return to current status, servicers must provide a history of the account since the last annual statement within 90 days of the account’s reinstatement date to current status. Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Provide the first notice or filing required to foreclose if a borrower is performing pursuant to the terms of a loss mitigation agreement; and Servicers Navigate the Post-Pandemic World 2 days ago About Author: Thomas Grundy, CRCM Related Articles Agency Guidance Factors into the EquationOn April 3, the Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act was released. This was a joint statement by the Consumer Financial Protection Bureau (CFPB), Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration, Office of the Comptroller of the Currency, and Conference of State Bank Supervisors whereby they formally recognized the serious impact of the COVID-19 emergency on consumers and on the operations of many supervised entities, including mortgage servicers. The agencies stated an understanding that the COVID-19 crisis could impose temporary business disruptions and staffing challenges, thereby impeding the ability of lenders and servicers to assist consumers.Moreover, the agencies are emphasizing the potential for consumer confusion about how to access and exercise options offered by mortgage servicers. In issuing the Joint Statement, the agencies clarified the application of the mortgage servicing rules under Regulation X and established expectations for supervision and enforcement relative to the rules on short-term options as the industry works through the covered period. Coinciding with the release of the Joint Statement, the CFPB issued it’s Mortgage Servicing Rules FAQs related to the COVID-19 Emergency. The FA Q s support the Joint Statement by addressing common questions and themes. While not a substitute for Regulation X, Regulation Z, or the associated official interpretations, the FA Q s provide focus for helping servicers managing burgeoning requests from borrowers for help. This story originally appeared in the July edition of DS News. The COVID-19 pandemic has thrust the world into an unimaginably difficult situation. Though authors of science fiction may try, no one could have fully anticipated the scale and speed with which the pandemic would impact the economy. For mortgage lenders and servicers, the pandemic will prove to be a test of business continuity planning while managing processes and regulatory changes in real time, all while maintaining fairness and compliance across all aspects of day-to-day operations.The CARES Act (Pub. L. No. 116-136) was enacted on March 27, 2020, to provide financial assistance and other types of relief as the negative economic impact of the COVID-19 pandemic set in across the country. The consumer finance provisions under Title IV of the Act directly address helping Americans struggling to make mortgage payments due to the economic slowdown caused by the pandemic. These provisions cover “federally-backed mortgage loans,” which are defined under the Act as any loan that is secured by a first or subordinate lien on residential real property designed principally for the occupancy of from one-to-four families that is:insured by the Federal Housing Administration or under the National Housing Act;guaranteed or insured by the Department of Veterans Affairs or the Department of Agriculture; orpurchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association. For servicers of mortgages not covered by the CARES Act, the provisions of the Act serve as guidance applicable to servicers helping millions of borrowers with covered loans. Given the profound impact of the pandemic across all sectors of the economy and its 24-hour coverage in the news, consumers are aware of the assistance made available by theHowever, awareness of important details is generally lost on the average consumer. Thus, for servicers of non-federally backed mortgages, it is likely that the calls will come in large volume from borrowers seeking help from loan servicers. Helping borrowers stay in their homes and maintain their lives generally yields a positive outcome over the long haul for borrowers, lenders, local economies, and the government. Data Provider Black Knight to Acquire Top of Mind 2 days ago Foreclosure MoratoriaSection 4022(c)(2) of the Act further provided that servicers of federally backed mortgage loans could not initiate any judicial or nonjudicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure-related eviction or foreclosure sale for not less than the 60-day period beginning on March 18, 2020, which has been extended by federal housing agencies until August 31, 2020. The Act provided an exception for a vacant or abandoned property. It is always prudent to closely monitor foreclosure and collection policies, procedures, and actual practices to ensure fairness and appropriate customer treatment at all times. Exemptions for Small ServicersTo the question of whether small servicers are subject to the requirements, the FA Q s provide that small servicers do not have to comply with the early intervention and continuity of contact requirements. Small servicers must comply with the foreclosure restrictions of Regulation X, 12 CFR 1024.41(j), as well as the escrow requirements of Regulation X, 12 CFR 1024.17. With respect to foreclosure restrictions, the FAQs make it clear that small servicers shall not:Provide the first notice or filing required to foreclose, unless theBorrower’s mortgage loan obligation is more than 120 days delinquent, Trying Times These are truly unprecedented times. Consumers are facing difficult choices. As the Joint Statement underscores, mortgage servicers play a vital role in assisting consumers in providing options for paying their mortgages. The current crisis presents potential financial challenges to borrowers; the CARES Act Section 4022 and 4023 are intended to provide some measure of related relief. However, there is a risk of confusion for borrowers, lenders, and mortgage servicers. The flexibility that the agencies can offer pursuant to the Joint Statement, and as further clarified by the CFPB’s FA Q s, helps to reduce the immediate regulatory risk and pressure. The focus is on making a good faith effort to respond to the needs of borrowers.However, mortgage servicers must make certain that their existing Regulation X related compliance practices for loss mitigation are appropriately modified in light of the guidance set forth in the Act and the guidance published by the agencies. Given the stress of the times we’re living through, it is vital to not lose sight of the fact that these efforts must be fulfilled in a fair and responsible manner. Through reasonable efforts to maintain a tone of fairness and compassion; to ensure that governance is up to date with regulatory guidance; that processes and system controls are in alignment; and that reasonable monitoring of workflows and production output is conducted, the mortgage servicing industry can and must move forward. While resources may be stressed, keep an eye to the future, knowing that the metrics of the current period will tell the story of the good faith effort made.DISCLAIMER: The information and views set forth in this piece are general in nature and are not intended as legal or professional advice. Although based on the law and information available as of the date of publication, general assumptions have been made by Wolters Kluwer Financial Services that may not take into account potentially important considerations to specific businesses. Therefore, the views and information presented in this feature may not be appropriate for you. Readers must also independently analyze and consider the consequences of subsequent developments and/or other events. Readers must always make their own determinations in light of their specific circumstances. Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Print This Post Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Is Your Program CARES Act Compliant? The Best Markets For Residential Property Investors 2 days ago Foreclosure is based on a borrower’s violation of a due-on-sale clause, orServicer is joining the foreclosure action of a superior or subordinate lienholder The Week Ahead: Nearing the Forbearance Exit 2 days ago
Nine til Noon Show – Listen back to Monday’s Programme Twitter DL Debate – 24/05/21 Twitter Previous articleInvestigation underway into wedged hydrant at Donegal house fireNext articleBig week for Rhys Irwin in Spain News Highland Homepage BannerNews Facebook WhatsApp Arranmore progress and potential flagged as population grows Pinterest Pinterest Google+ A man in his 20s has died in a house fire in County Tyrone in the early hours of this morning.It happened on Queen Avenues in Cookstown at around 2:30am.Police are investigating the cause of the fire however, they do not believe it to be suspicious. News, Sport and Obituaries on Monday May 24th Google+ By News Highland – October 5, 2018 RELATED ARTICLESMORE FROM AUTHOR Facebook Important message for people attending LUH’s INR clinic Loganair’s new Derry – Liverpool air service takes off from CODA Man dies in house fire in Tyrone WhatsApp
kali9/iStock(CHICAGO) — A 7-year-old Chicago girl who was out trick-or-treating with her family on Halloween was critically injured after being struck by apparent stray gunfire, police said. The child, who was rushed to a nearby hospital in critical condition on Thursday evening, “is believed to be an unintended victim after multiple offenders opened fire,” according to Chicago Police Department spokesman Anthony Guglielmi.“We heard the shots,” Lali Lara, who works in a nearby cellphone store, told the Chicago Tribune. “The girl’s father was screaming, ‘My little girl’s been shot.’”A 30-year-old man was also shot and taken to a local hospital, according to Guglielmi. His condition was unknown.The shooting occurred on a packed street in Chicago’s Little Village neighborhood, on the city’s West Side, where dozens of kids dressed in costumes were trick-or-treating for Halloween.The incident remains under investigation.Copyright © 2019, ABC Audio. All rights reserved.
Written by Brad James April 14, 2021 /Sports News – Local Delta Girls, Juab Boys, Win Norris Invitational FacebookTwitterLinkedInEmailRICHFIELD, Utah-Tuesday, Delta’s girls won the Norris Invitational title and the Juab boys did the same at Richfield High School.For the girls, Delta posted 189 points. Manti finished second (92), Juab placed third (90.5), Panguitch finished fourth (65), Richfield placed fifth (57.5), Emery placed sixth (34), Canyon View finished seventh (24), South Sevier placed eighth (22), North Sevier finished ninth (16) and Wayne placed 10th (3).For the boys, Juab finished first with 168 points. They were followed by Delta (133.5), Emery (84), Richfield (76.5), Panguitch (54.5), North Sevier (35), Manti (31), Canyon View (13), Pinnacle (11.5), South Sevier (8) and Wayne (1).The resuls are as follows:Girls Sprit Medley RelayRichfield Wildcats 4:50:06 (Sarah Bate, Bailey Sorensen, Kamryn Knutson and Nora Foster North Sevier Wolves 4:55.97 (Caleigh Nielson, Alaina Barney, Hannah Riggs and Avery Smith)Boys Sprint Medley RelayRichfield Wildcats 3:46.67 (Hunter Alger, Carston Jensen, Cannon Anderson, Richard Crane)Delta Rabbits 3:52.88 (Trey Butler, Austin Loe, Hagen Nielson, John McLaws)North Sevier Wolves 4:00.48 (Caleb Madsen, Greyson Bennett, Kelby Bosh, Tate Goble)Emery Spartans 4:14.03 (Shane Guymon, Boston Huntington, Cannon Sharp, Camden Larsen)Juab Wasps 4:41.73 (Dawson Dansie, Stockton Shepherd, Dace Darrigton and Nathan Garret)Girls 1600-Meter RunMarissa Hall-Juab 5:27.36Allie Bridges-Manti 5:55.81Fiel Woods-Manti 5:59.39Sadie Nielson-Manti 6:02.28Eden Hall-Juab 6:04.02Kayli Baker-Delta 6:04.87Jamie Holt-Wisconsin 6:06.11Annalee Thompson-Richfield 6:11.35Boys 1600-Meter RunDason Day-Juab 4:34.79Jess Christiansen-Emery 4:41.32Joseph Peterson-Juab 4:55.79Gage Smith-Delta 4:58.92Porter Schoppe-Panguitch 5:00.08Camden Larsen-Emery 5:02.13Miles Barnett-Richfield 5:04.00Talmadge Day-Juab 5:05.51Girls 100-Meter HurdlesSavannah Nielson-Delta 14.57Melissa Crane-Richfield 15.55Claira Reynolds-Manti 16.48Ebondy Dodoo-Delta 17.13Peyton Stevens-Manti 17.44Natalie Morrell-Juab 17.90Bethany Justice-Emery 17.94Harmony Lopez-Canyon View 18.24Boys 110-Meter HurdlesTreven Brazier-Emery 15.28Jacob Eldridge-Juab 16.22Britton Smith-Delta 16.76Tate Goble-North Sevier 16.98Jesse Banks-Canyon View 17.41Hagen Nielson-Juab 18:00Elijah Sawyer-Canyon View 18.15Tucker Chappell-Panguitch 18.51Girls 100-Meter DashSavannah Nielson-Delta 12.30Ada Nielson-Delta 12.31Megan Atkinson-Delta 13.22Claira Reynolds-Manti 13:35Tamyra Moulton-Manti 13:56Aliva England-Juab 13.58Debijean Henrie-Panguitch 13.89Nicole Castro-Emery 13.90Boys 100-Meter DashOran Finlinson-Delta 11.21Treven Brazier-Emery 11.26Bode Blackett-Juab 11.51Tyson Brenchley-Manti 11.53Austin West-Juab 11.54Cameron Smith-Delta 11.56Jyson Diaz-Delta 11.61Klyn Fullmer-Panguitch 11.70Girls 4 x 100 RelayDeltaRabbits 50.4 (Jordyn Nielson, Savannah Nielson, Ebony Dodood and Megan Atkinson)Emery Spartans 54.7 (Brynn Gordon, Abby Morris, Nicole Castro, Bethany Justice)Manti Templars 54.96 (Claira Reynolds, Peyton Stevens, Tamyra Moulton, Jade Mortensen)Juab Wasps 55.3 (Alivia England, Natalie Morrell, Kaydie Callaway, Karlie Cowan)Richfield Wildcats 55.6 (Ellie Belnap, Annika Hulet, Roxie Yardley, Melissa Crane)Wayne Badgers 56.2 (Lacey Ellett, Hanna Williams, Willow Lawton, Hali Peterson)North Sevier Wolves 58.3 (Caleigh Nielson, Alaina Barney, Hannah Riggs, Avery Smith)Boys 4 x 100 RelayJuab Wasps 45.4 (Carter Lynn, Autin West, Jared Dye, Bodee Blackett)Delta Rabbits 45.5 (Cameron Smith, Cameron Curtis, Oran Finlison, Carston Jensen)Richfield Wildcats 46.5 (Will Smith, Nathan Sheffer, Ethan Udy, Carston JensenNorth Sevier Wolves 47.97 (Caleb Madsen, Greyson Bennett), Blaine Anderson, Kamden Saling)Manti Templars 48.6 Panguitch Bobcats 51.4 (Lane Bangerter, Cameron Parkin, Mark Tebbs, Trent Walter)Emery Spartans 51.96 (Eli Morris, Jaxton Lake, Maddex Behling and Derek Canterberry)Girls 400-Meter DashJordyn Nielson-Delta 1:02.95Adelaide Englestead-Panguitch 1:03.74Bethany Justice-Emery 1:05.77Noah Foster-Richfield 1:06.79Kamryn Knutson-Richfield 1:07.91Debijean Henrie-Panguitch 1:08.34Caitlin Allred-Delta 1:09.53Hadley Dustin-Canyon View 1:10.27Boys 400-Meter DashCarter Lynn-Juab 52.96Klyn Fullmer-Panguitch 53.67Carston Jensen-Richfield 54.79Spencer Forsyth-Delta 56.18Christian Hansen-Manti 57.16Ethan Fielding-North Sevier 57.21Kevin Sterner-Manti 57.84Brannigan Cheney-Manti 57.85Girls 300-Meter HurdlesAdi Nielson-Delta 44.27Ebondy Dodoo-Delta 49.24Harmony Lopez-Canyon View 50.76Natalie Morrell-Juab 52.19Zoe Thomas-Delta 53.54Brynn Gordon-Emery 53.69Lexie Palmer-Panguitch 53.96Peyton Stevens-Manti 54.91Boys 300-Meter HurdlesTreven Brazier-Emery 39.34Jacob Eldridge-Juab 42.79Cameron Curtis-Delta 43.78Hagen Nielson-Delta 44.4Jesse Banks-Canyon View 44.41John McLaws-Delta 45.7Tate Goble-North Sevier 47.16Elijah Sawyer-Canyon View 47.17Girls 800-Meter RunAdi Nielson-Delta 2:25.03Marissa Hall-Juab 2:26.93Paige Curtis-Delta 2:33.40Nora Foster-Richfield 2:38.94Keltsy Fowles-Manti 2:40.12Tabetha Henrie-Panguitch 2:41.48Eden Hall-Juab 2:42.12Hailie Wilcox-Panguitch 2:42.64Boys 800-Meter RunCannon Anderson-Richfield 2:03.69Bryar Meccariello-Emery 2:04.25Jess Christiansen-Emery 2:05.60Keaton Hallows-North Sevier 2:07.77Landen Hardy-Pinnacle 2:15.00Jace Sweat-Manti 2:18.71Hunter Alger-Richfield 2:19.10Miles Barnett-Richfield 2:19.37Girls 200-Meter DashSavannah Nielson-Delta 26.19Jordyn Nielson-Delta 26.6Kaeshay Brough-Delta 27.97Caitlin Allred-Delta 29.19Debijean Henrie-Panguitch 29.29Megan Atkinson-Delta 29.4Kate Flitton-Manti 29.5Keelie Bunker-Delta 29.7Boys 200-Meter DashBode Blackett-Juab 23.4Jared Dye-Juab 23.5Austin West-Juab 23.95Jyson Diaz-Delta 24.3Klyn Fullmer-Panguitch 24.31Cameron Smith-Delta 24.3Will Smith-Richfield 24.6Nathan Sheffer-Richfield 24.8Girls 3200-Meter RunKeltsy Fowles-Manti 12:57.14Adelaide Engelstead-Panguitch 12:57.82Fiel Woods-Manti 13:03.06Allie Bridges-Manti 13:24.70Kalle Cook-Emery 13:35.43Annalee Thompson-Richfield 14:16.72Sophie Christensen-Manti 14:23.62Cambree Olsen-Juab 14:35.89Boys 3200-Meter RunDason Day-Juab 10:22.66Richard Crane-Richfield 10:43.94Joseph Peterson-Juab 10:56.54Hunter Powell-Manti 11:19.15Carson Utley-Richfield 11:20.85Talmage Day-Juab 11:23.81John McLaws-Delta 11:25.18Porter Schoppe-Panguitch 11:31.82Girls 4 x 400 RelayJuab Wasps 4:28.47 (Marissa Hall, Eden Hall, Valerie Clark, Alivia England)Panguitch Bobcats 4:46.16 (Lacey Marshall, Kyan Orton, Abigail Holman, Hailie Wilcox)Emery Spartans 5:00.77 (Kalle Cook, Nicole Castro, Addie Lester, Tayvi Stilson)North Sevier Wolves 5:11.94 (Karla McCoy, Brooklyn Goble, Ciarra Anderson, Hannah Riggs)Boys 4 x 400 RelayDelta Rabbits 3:38.31 (Oran Finlinson, Spencer Forsyth, Cameron Curtis, Hagen Nielson)Richfield Wildcats 3:39.08 (Hunter Alger, Cannon Anderson, Richard Crane, Carston Jensen)Emery Spartans “A” Team 3:40.09 (Bryar Meccariello, Jess Christiansen, Treven Brazier, Eli Morris)North Sevier Wolves 3:45.97 (Ethan Fielding, Kelby Bosh, Keaton Hallows, Greyson Bennett)Juab Wasps 3:55.32 (Carter Lynn, Jacob Eldridge, Boston Baxter, Breyer Wright)Emery Spartans “B” Team 4:20.84 (Mason Hurdsman, Isaac Jensen, Maddex Behling, Tyler Frandsen)Panguitch Bobcats 4:27.92 (Carter Yardley, Justice Savage, Rustyn Tebbs, Cameron Parkin)Boys Long JumpSpencer Forsyth-Delta 18-07.25Carson Thornock-South Sevier 18-04.25Trey Butler-Delta 18-02.50Britton Smith-Delta 18-01.00Tate Goble-North Sevier 17-11.50Dawson Olsen-Juab 17-07.00Jyson Diaz-Delta 17-06.00Ethan White-Wayne 17-04.00Girls Long JumpMelissa Crane-Richfield 16-07.50Valerie Clark-Juab 15-06.00Megan Atkinson-Delta 14-09.50Adelaide Englestead-Panguitch 14-07.50Tabetha Henrie-Panguitch 14-07.50Alivia England-Juab 14-07.00Bethany Justice-Emery 14-01.75Megan Shields-Canyon View 14-01.00Boys High JumpDawson Olsen-Juab 6-04.00Spencer Forsyth-Delta 5-11.00Cameron Smith-Delta 5-10.00Richard Crane-Richfield 5-06.00Jyson Diaz-Delta 5-04.00Michael Schmitz-Pinnacle/Harrison Brown-Richfield 5-04.00(No. 8) Treyson Prince-Panguitch/Cai Henderson-Delta Girls High JumpZoe Thomas-Delta 5-00.00Brooklynn Hunter-Juab 5-00.00Tabetha Henrie-Panguitch 4-10.00Sadie Wright-Juab 4-10.00Belle Kelsey-Juab /Ellie Belnap-Richfield 4-06.007. Abby Morris-Emery 4-06.008. Jadee Dutson-Delta 4-06.00Boys JavelinKyler Bennett-Panguitch 147-08Boden Ballow-Juab 147-07Hunter Alger-Richfield 140-10Bodee Blackett-Juab 133-03Maddox Christman-Emery 127-11Stetson Motte-Pinnacle 127-02Christian Winder-Pinnacle 126-09Derek Canterberry-Emery 126-01Girls JavelinValerie Clark-Juab 99-06Kaelynn Cox-Panguitch 94-11Alexa Robinson-South Sevier 93-10Morgan Blackburn-South Sevier 92-04Breana Barson-Manti 89-10Haylee Christianson-Delta 85-00Hailee Eyre-Panguitch 84-03Brynley Christensen-South Sevier 83-10Boys Shot PutMaddox Christman-Emery 40-05.25Kyler Bennett-Panguitch 38-09.50Tucker Chappell-Panguitch 38-08.50David Phillips-Juab 38-00.00Anthony Henningson-Manti 37-02.50Bridger Terril-Delta 37-02.50Taimalelagi Moe-36-03.75Girls Shot PutHaylee Christenson-Delta 34-05.50Saylor Day-Delta 33-09.50Sanilaiti Takieaho-Manti 33-07.25Jaylie Roden-Canyon View 32-06.50Morgan Blackburn-South Sevier 31-00.25Emmie Willoughby-Delta 30.09.00Holly Torgerson-Richfield 30-04.50Alli Mason-North Sevier 30-02.50Boys DiscusMason Wohlforth-Juab 124-04Dawson Olsen-Juab 121-04Kyler Bennett-Panguitch 121-03David Phillips-Juab 120-08Bridger Terril-Delta 110-00Elijah Jones-Richfield 104-02Kade Edgel-Canyon View 104-00Seth Bryan-Delta 30.07Girls Discus Jaylie Roden-Canyon View 131-06Haylee Christianson-Delta 103-11Morgan Blackburn-South Sevier 100-07Breana Barson-Manti 94-06Alix Kirkland-Delta 89-07Sanilaiti Takeiaho-Manti 87-09Brylee Greenhalgh-Juab 87-02Saylor Day-Delta 84-02
Accommodation belonging to St Anne’s College has suffered a break-in.An unidentified individual was seen entering college property through an open window, after climbing the building’s drainpipe.In an email to all St Anne’s students, Martin Jackson, the Domestic Bursar, described how a “young man” was seen “climbing up the drainpipe of one of the student buildings and entering the room via an open bedroom window”.Despite immediately searching the building, the Lodge porters were unable to find anyone. Jackson stated that as the student whose window had been left open confirmed that he did not climb up the drainpipe himself, he could therefore “deduce that it was an intruder”.He urged St Anne’s students to step up their vigilance for the safety of the rest of the college. His email stressed the need to “protect yourself and your colleagues”.He requested that, as an “elementary precaution”, students living in road-facing rooms in college accommodation not on the main college site keep their windows closed when not in their room.He added that the student whose room was entered via the open window was “in the habit of doing this at all times” but stated that “this will no longer happen”.The incident is the latest in a series of security breaches at the college.A tramp recently broke in to one of the college houses on Woodstock Road and was found in the kitchen eating the occupant’s food.Another third year student at the college stated that the security at the college is insufficient. She cited as an example an occasion last Trinity when a female student’s ex-boyfriend visited the college and requested the location of the student’s room, and the code necessary to enter her building.The porters readily gave him this information, despite having no proof of the student’s identity or of his association with the female student.The porters refused to discuss the incident of last week, or comment on the quality of the security at the college.However, several students have expressed their distress at the situation and expressed their belief in the need for security at the college to be tightened.One fourth year said, “It’s really lax”, adding that “pretty much anyone can walk in and the porters hardly bat an eyelid”Another third year complained that the security “could definitely be a lot tighter”.However, JCR Vice-President Tom Lockton, JCR Vice President, denied that the security needed improvement, and instead praised it as “absolutely brilliant”.No college officials were available to comment.
Books that have not been borrowed in the last two years will be held in the Bodleian book storage facility offsite, but students and researchers will be able to request them for delivery via SOLO to be put back on open shelves. The RSL is the main teaching and research science library at the university, and the library holds the Legal Deposit material for all MPLS and medical disciplines. One part of the library, the Jackson Wing, is Grade II listed. It gains its name from John Radcliffe, a major benefactor of the University. The 26,000 books in the RSL collection that have been borrowed in the last two years will be temporarily relocated to the Vere Harmsworth Library during the Christmas vacation, from which all science library services will be delivered until May/June 2021. Bodleian Libraries has revealed that these books were moved offsite during the recent summer vacation. The Radcliffe Science Library (RSL) is set to close from January 2020 until summer 2021, as revealed by Bodleian Libraries in new plans. The college will share its building with the Radcliffe Science Library, and from its reopening in 2021, the library shelves will also include Parks College collections. The redevelopment of the site will also include the western wing of the Organic Chemistry Laboratory and Abbot’s Kitchen. The Vere Harmsworth Library is located on the upper floors of the Rothermere American Institute on South Parks Road, and is Oxford University’s principal research library for American Studies. The refurbishments are part of the planned Parks College Development, which will establish a new graduate college on the Parks Road site, in the heart of the University Science Area. Plans to use the Science Library as the site for Parks College were announced in December 2018. The historic RSL will remain in the building on the second floor, but the first floor will be instead dedicated to Parks College administration and social spaces, including a function room, dining hall and lounge. The Radcliffe Science Library was first established in 1861. The current building was opened in 1901, and the Library was integrated into the Bodleian Library in 1927. Bodleian Libraries have been contacted for comment.