1. RAMPANT GROSS SYSTEMIC ABUSE OF COMMUNITY REINVESTMENT ACT
   1. The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. 2901) and implemented by Regulations 12 CFR parts 25, 228, 345, and 195, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate. https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6ZlBiQUhzdGlxVTA
      1. OFFICE OF THE COMPTROLLER OF CURRENCY
         1. NUMEROUS PREVIOUS CONTACTS https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6SldYdkg5UDZpaEk
         2. Community Reinvestment Act (CRA) https://docs.google.com/file/d/0B6B82KE0kaD6TXJabHJzNDlSYUk/edit
      2. BOARD OF GOVERNORS; FEDERAL RESERVE SYSTEM
         1. MINNEAPOLIS FED: 2007 FIXING THE FORECLOSURE SYSTEM WORKSHOP https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6RjVZSVRLbWpYZlk
         2. Community Reinvestment Act (CRA) https://docs.google.com/file/d/0B6B82KE0kaD6amNZbjlaUElWdDA/edit
      3. Federal Financial Institutions Examination Council (FFIEC) http://www.ffiec.gov/cra/
      4. 12 USC § 2901 - Congressional findings and statement of purpose http://www.law.cornell.edu/uscode/text/12/2901
      5. 12 C.F.R. Part 25 - Community Reinvestment Act and Interstate Deposit Production Regulations http://www.occ.gov/topics/compliance-bsa/cra/12cfr25.html
      6. 12 CFR Part 195 - COMMUNITY REINVESTMENT http://www.law.cornell.edu/cfr/text/12/195
         1. SUBPART A — General (§§ 195.11 - 195.12)
         2. SUBPART B — Standards for Assessing Performance (§§ 195.21 - 195.29)
         3. SUBPART C — Records, Reporting, and Disclosure Requirements (§§ 195.41 - 195.45)
         4. Appendix A to Part 195 - Ratings
         5. Appendix B to Part 195 - CRA Notice
      7. Regulation BB: Compliance Guide http://www.federalreserve.gov/bankinforeg/regbbcg.htm
      8. 12 C.F.R. 345 http://www.fdic.gov/regulations/laws/rules/2000-6500.html
2. NEIGHBORWORKS AMERICA https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6Yll5MWNjUXNoS2M
   1. NeighborWorks America is a national nonprofit organization created by Congress to provide financial support, technical assistance, and training for community-based revitalization. In the FY 2010 budget passed by Congress, NeighborWorks received $233 million. In 1978, Congress institutionalized the NHS network by establishing the Neighborhood Reinvestment Corporation, which became NeighborWorks in 2005. https://docs.google.com/file/d/0B6B82KE0kaD6RDFkX2lidDVqbWM/edit
      1. NeighborWorks offers networking opportunities and support for 235 member Neighborhood Housing Service organizations; many of these are also community development corporations. Additionally, members of NeighborWorks may benefit from grants, technical assistance, training and other resources. Membership information is available here: www.nw.org/network/aboutUs/member/default.asp
         1. In 2008, NeighborWorks made $66.6 million in capital grants and $2 million in training grants to network organizations.
            1. http://www.nw.org/network/aboutUs/board/default.asp
3. 2010 LOAN MODIFICATION SCAM ALERT
4. ABSOLUTE CONTROL OF OUTCOMES
   1. http://www.scribd.com/doc/184088057/2007-Community-Reinvestment-Act-CONNECTING-IN-MINNESOTA
5. 2007 FIXING THE FORECLOSURE SYSTEM WORKSHOIP
   1. HOUSING FUNDERS & FORECLOSURE SPECIALISTS
      1. https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6ZWhaclBfbUhKdkk
         1. MIKE HALEY; MINNESOTA HOUSING & FINANCE AGENCY https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6ZzdSdGI5QzRJekk
         2. MIKE HALEY: MINNESOTA HOME OWNERSHIP CENTER https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6NFZjM1hoUXR3UWs
         3. TOM FULTON; FAMILY HOUSING FUND https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6ZWhaclBfbUhKdkk
         4. HOUSING LINK https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6VTVLVURzNmYwYWs
         5. EMERGING MARKETS HOMEOWNERSHIP INITIATIVE http://www.hocmn.org/home/column-1/emhi-resources/
         6. FANNIE MAE
         7. DAKOTA COUNTY COMMUNITY DEVELOPMENT AGENCY
         8. CITY OF MINNEAPOLIS (CHAIR)
         9. HENNEPIN COUNTY
         10. RAMSEY COUNTY
         11. CITY OF ST. PAUL
         12. GREATER METROPOLITAN HOUSING CORPORATION
6. THIS XMind map was authorized by China Brown, EXECUTIVE VICE PRESIDENT OF Lisa Stinocher O'Hanlon on 11.03.2013.
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7. SEE ALSO:
   1. MAP #1: FINANCIAL REMEDIATION FRAMEWORK http://www.xmind.net/embed/CHZ7/
   2. MAP #2: $3,000.00 http://www.xmind.net/embed/kqTd/
   3. MAP #3; THE NOTE EXHIBIT #VISUAL AID #102 Olmsted County district court file #55-F9-05-1712 Winona County district court file #85-CV-10-1935 http://www.xmind.net/m/JrL4/ https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6aE9CUkNlQ3J2ZTg
8. ADMINISTRATIVE "JUDICIAL" REVIEW EXHIBIT #VISUAL AID #103 Olmsted County district court file #55-F9-05-1712 Winona County district court file #85-CV-10-1935 et. al.
   1. THIS IS A COMPLEX CASE
      1. REASON #1: NO CONTRACT
         1. CONTRACT WAS BETWEEN P.O. & W.F.: NO
            1. ERROR OF FACT: MORTGAGE IS THE CONTRACT; NOT THE NOTE
            2. NOTE IS A SECURITY INSTRUMENT
            3. WHO IS NOTE HOLDER? WHO IS HOLDER IN DUE COURSE?
            4. NOTE IS A SECURITY INSTRUMENT https://drive.google.com/?usp=chrome_app#folders/0B6B82KE0kaD6ZXV5UUhUUEVobWM
            5. U.C.C. § 3-302. HOLDER IN DUE COURSE. http://www.law.cornell.edu/ucc/3/3-302
   2. VENUE:
      1. RESPONSIBLE AUTHORITY: GOVERNMENT ACCOUNTABILITY OFFICE
      2. CONSUMER FINANCIAL PROTECTION BUREAU
      3. STATE REGULATOR
         1. RESPONSIBLE AUTHORITY: MINNESOTA DEPARTMENT OF COMMERCE
            1. DEMAND FOR RESPONSE
      4. FEDERAL REGULATOR
         1. The OCC is the federal regulator for national banks and federal savings associations. The following agencies have regulatory responsibilities for other types of financial institutions. Board of Governors of the Federal Reserve System (FRS) Regulator for state-charted banks that are members of the Federal Reserve System Federal Deposit Insurance Corporation (FDIC) Regulator for insured state banks that are not members of the Federal Reserve System.