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The Federal Reserve and the big banks fought for more than two years to keep details of the largest bailout in U.S. history a secret. Now, the rest of the world can see what it was missing.
The Fed didn’t tell anyone which banks were in trouble so deep they required a combined $1.2 trillion on Dec. 5, 2008, their single neediest day. Bankers didn’t mention that they took tens of billions of dollars in emergency loans at the same time they were assuring investors their firms were healthy. And no one calculated until now that banks reaped an estimated $13 billion of income by taking advantage of the Fed’s below-market rates, Bloomberg Markets magazine reports in its January issue.
Saved by the bailout, bankers lobbied against government regulations, a job made easier by the Fed, which never disclosed the details of the rescue to lawmakers even as Congress doled out more money and debated new rules aimed at preventing the next collapse.
A fresh narrative of the financial crisis of 2007 to 2009 emerges from 29,000 pages of Fed documents obtained under the Freedom of Information Act and central bank records of more than 21,000 transactions. While Fed officials say that almost all of the loans were repaid and there have been no losses, details suggest taxpayers paid a price beyond dollars as the secret funding helped preserve a broken status quo and enabled the biggest banks to grow even bigger…
The size of the bailout came to light after Bloomberg LP, the parent of Bloomberg News, won a court case against the Fed and a group of the biggest U.S. banks called Clearing House Association LLC to force lending details into the open.
The Fed, headed by Chairman Ben S. Bernanke, argued that revealing borrower details would create a stigma — investors and counterparties would shun firms that used the central bank as lender of last resort — and that needy institutions would be reluctant to borrow in the next crisis. Clearing House Association fought Bloomberg’s lawsuit up to the U.S. Supreme Court, which declined to hear the banks’ appeal in March 2011.
$7.77 Trillion
The amount of money the central bank parceled out was surprising even to Gary H. Stern, president of the Federal Reserve Bank of Minneapolis from 1985 to 2009, who says he “wasn’t aware of the magnitude.” It dwarfed the Treasury Department’s better-known $700 billion Troubled Asset Relief Program, or TARP. Add up guarantees and lending limits, and the Fed had committed $7.77 trillion as of March 2009 to rescuing the financial system, more than half the value of everything produced in the U.S. that year.http://www.bloomberg.com/news/2011-11-28…

education. has an M B A DEGREE (m s IN SPECIALISATION IN tRANSPORTATION MANAGEMENT FROM suny MARITIME COLLEGE , the BRONX, NEW YORK CITY, usa ; STUDIED ADVANCED COURSE LEADING TO ADVANCED CERT. IN pUBLIC ADMN. FROM usda gRADUATE SCHOOL, WASHINTON dc ( SCHOOL id :578- 80- 4399 ;
he has 2 Doctoral degrees in management science in fields of management Science and another in field/faculty of Religions / god/s/people from foreign school He has a bachelor’s degree in law from foreign cchool of laws and management. He further took in education s in University of Rhode Island,both at Providence and Kingston , in usa and other schools viz City university of new York,Baruch college, New york city, usa et al
employer volunteer ordained clergy with vow of poverty ( U S IRS rule for ordained clergies in USA .group Handicap interests international world religions group. 107 A Scribner avenue, staten Island , New york city, n y 10301, USA
occupation activist, mobile clergy, electronic preacher of multiple or unique god/s and religions , et al.
title mobile clergy,Political activist USA and around globe; currently he is a u s presidential hopeful / candidate for 2008 electoral competition from Republican Party in New York ; strategist for common / weaker people, disadvantaged people in democracy in usa et al to claim leadership including the 2008 Presidency electoral competition: the weaker people aresegregated and removed from electoral race by stategic powerful block in democracy in U S republic including the news media and news conglomerates. see court actions pending in the main article of Dr kamal Karna Roy.strategist of god/s , religions, people, et al, activist
salary
networth
height = 5′ 8′
weight
term
predecessor
successor
party Republican ( GOP)of usa
boards
religion world religions/ multiple religions in unique body and soul and a proponent of the strategy.
spouse a common law wife
partner
children some, maintained by natural mother concerned
parents
relatives
signature
website
footnotes
Kamal Karna Roy (a/k/a Kamal K.K. Roy, a/k/a Rev. Dr. Joseph Geronimo, Jr.) is a prolific pro se litigant who, since at least the early 1990s, has filed numerous lawsuits throughout the United States and its territories under the names Roy and Joseph Geronimo, Jr., as well as under the names of entities that he is affiliated with, including International Siva Consciousness & World Religions, Reforms International, Handicap Interests International, and Jungle Democracy.Jungle Democracy v. U.S., No. CIV.06-503-SLR, 2006 WL 2616213, at *1 (D. Del. Sept. 12, 2006) Roy’s lawsuits are often brought against multiple defendants, and feature long, unconventional complaints. Roy has filed lawsuits against God, U.S. Presidents, Supreme Court Justices, fast food restaurants, foreign leaders. Roy v. U.S., No. CIV.06-685-SLR 2007 WL 1109296 at *1 (D. Del. Apr. 11, 2007), and Wikipedia http://dockets.justia.com/browse/state-new_hampshire/court-nhdce/noscat-5/ http://www.area603.com/index.php?op=ViewArticle&articleId=1460&blogId=6 .
Roy’s lawsuits have addressed, among many other things, actions taken by President George W. Bush, overcharging by telecommunication companies, the appointment of Chief Justice John Roberts to the Supreme Court, and “failure of democratic societies and God’s role therein.”Id. In 2006 Judge Michael W. McConnell of The United States Court of Appeals for the Tenth Circuit described a typical Roy complaint:
Roy, a/k/a Joseph Geronimo, Jr. filed a 115-page complaint, a 144-page amended complaint, and a 40-page second amended complaint against over sixty defendants, including among many others President Bush, God as U.S.-based divine benefactor, several government agencies, The New York Times, and Kentucky Fried Chicken. In addition to pages of rambling discourse, the complaint contains numerous illegible handwritten remarks.Jungle Democracy v. USA Government at Washington, DC & at Denver, 206 Fed.Appx. 756 (C.A.10, 2006)
The Tenth Circuit went on to affirm the district court’s dismissal of the complaint holding that no discernible claim was apparent from the complaint. Judge McConnell also humorously noted that the court “strongly suspected at least one defendant was not properly served.”Id. at 757
Most, if not all, of Roy’s complaints have been dismissed. A 2006 United States District Court for the District of Delaware opinion, Jungle Democracy v. U.S., describes Roy as “no stranger to litigation” and provides a partial list of Roy lawsuits that have been dismissed since 1991.Jungle Democracy, 2006 WL 2616213, at *1
Despite Roy’s lack of success in the courts, his lawsuits have been discussed in law school classrooms and in law related blogs. http://howappealing.law.com/112106.html#019767 http://enmasse.ca/forums/

Profile/biodata for knowledge of electors/voters@us pres elec nov 12 is essential?us news media?cand*below?K?
the rev dr kamal karna royaka j g jr, cand pres elec nov 2012, writein@all usa
education has an M B A DEGREE (m s IN SPECIALISATION IN tRANSPORTATION MANAGEMENT FROM suny MARITIME COLLEGE , the BRONX, NEW YORK CITY, usa ; STUDIED ADVANCED COURSE LEADING T ADVANCED CERT. IN pUBLIC ADMN. FROM usda gRADUATE SCHOOL, WASHINTON dc ( SCHOOL id :578- 80- 4399 ;
he has 2 Doctoral degrees in management science in fields of management Science and another in field/faculty of Religions / god/s/people from foreign school He has a bachelor’s degree in law from foreign cchool of laws and management. He further took in education s in University of Rhode Island,both at Providence and Kingston , in usa and other schools viz City university of new York,Baruch college, New york city, usa et al
employer volunteer ordained clergy with vow of poverty ( U S IRS rule for ordained clergies in USA .group Handicap interests international world religions group. 107 A Scribner avenue, staten Island , New york city, n y 10301, USA
occupation activist, mobile clergy, electronic preacher of multiple or unique god/s and religions , et al.
title mobile clergy,Political activist USA and around globe; currently he is a u s presidential hopeful / candidate for 2008 electoral competition from Republican Party in New York ; strategist for common / weaker people, disadvantaged people in democracy in usa et al to claim leadership including the 2008 Presidency electoral competition: the weaker people aresegregated and removed from electoral race by stategic powerful block in democracy in U S republic including the news media and news conglomerates. see court actions pending in the main article of Dr kamal Karna Roy.strategist of god/s , religions, people, et al, activist
salary
networth
height = 5′ 8′
weight
term
predecessor
successor
party Republican ( GOP)of usa
boards
religion world religions/ multiple religions in unique body and soul and a proponent of the strategy.
spouse a common law wife
partner
children some, maintained by natural mother concerned
parents
relatives
signature
website
footnotes
Kamal Karna the early 1990s, has filed numerous lawsuits throughout the United States and its territories under the names Roy and Joseph Geronimo, Jr., as well as under the names of entities that he is affiliated with, including International Siva Consciousness & World Religions, Reforms International, Handicap Interests International, and Jungle Democracy.Jungle Democracy v. U.S., No. CIV.06-503-SLR, 2006 WL 2616213, at *1 (D. Del. Sept. 12, 2006) Roy’s lawsuits are often brought against multiple defendants, and feature long, unconventional complaints. Roy has filed lawsuits against God, U.S. Presidents, Supreme Court Justices, fast food restaurants, foreign leaders. Roy v. U.S., No. CIV.06-685-SLR 2007 WL 1109296 at *1 (D. Del. Apr. 11, 2007), and Wikipedia http://dockets.justia.com/browse/state-new_hampshire/court-nhdce/noscat-5/ http://www.area603.com/index.php?op=ViewArticle&articleId=1460&blogId=6 .
Roy’s lawsuits have addressed, among many other things, actions taken by President George W. Bush, overcharging by telecommunication companies, the appointment of Chief Justice John Roberts to the Supreme Court, and “failure of democratic societies and God’s role therein.”Id. In 2006 Judge Michael W. McConnell of The United States Court of Appeals for the Tenth Circuit described a typical Roy complaint:
Roy, a/k/a Joseph Geronimo, Jr. filed a 115-page complaint, a 144-page amended complaint, and a 40-page second amended complaint against over sixty defendants, including among many others President Bush, God as U.S.-based divine benefactor, several government agencies, The New York Times, and Kentucky Fried Chicken. In addition to pages of rambling discourse, the complaint contains numerous illegible handwritten remarks.Jungle Democracy v. USA Government at Washington, DC & at Denver, 206 Fed.Appx. 756 (C.A.10, 2006)
The Tenth Circuit went on to affirm the district court’s dismissal of the complaint holding that no discernible claim was apparent from the complaint. Judge McConnell also humorously noted that the court “strongly suspected at least one defendant was not properly served.”Id. at 757
Most, if not all, of Roy’s complaints have been dismissed. A 2006 United States District Court for the District of Delaware opinion, Jungle Democracy v. U.S., describes Roy as “no stranger to litigation” and provides a partial list of Roy lawsuits that have been dismissed since 1991.Jungle Democracy, 2006 WL 2616213, at *1
Despite Roy’s lack of success in the courts, his lawsuits have been discussed in law school classrooms and in law related blogs. http://howappealing.law.com/112106.html#019767 http://enmasse.ca/forums/vi

I have been a single mom for 9 years. I was using several credit cards for things we needed and actually was doing well making payments until the credit card companies began to increase their interest rates and amounts owed per month. My credit score was perfect. I never missed a payment. I began to be unable to pay what I owed due to increased monthly demands from the credit card companies. I spoke to a representative from Armored Debt Center who convinced me that they would settle my debts for amounts less than I owed, therefore giving me a chance to get out of credit card debt altogether and I agreed to pay $658 per month for them to do so. It seemed like the right thing to do for me and my family’s future. I have put a lot of effort into making that payment every month starting last October. Armored Debt Center told me not to answer calls from my creditors and sent me a script to basically get off the phone without telling them anything. I followed this advice. They tell you to tell the debt collectors that they are only to communicate with you in writing and then you are to fax everything to Armored Debt Center. When the first credit card company took me to court, I followed Armored Debt Center’s instructions to go to a particular website and retrieve documents to fill out. It was a website that anybody could have googled, not affiliated with Armored Debt Center. It was difficult to figure out what I needed to put on the documents that were to be sent to the court. At one point, I called Armored Debt Center and was told that they “cannot give legal advice” so I was left to figure things out on my own. I was told by Armored Debt Center not to worry, that this was part of the process. I filed everything the website suggested with the court. Prior to my court date, I called Armored Debt Center and was told nothing more than, “Don’t sign anything”. Judgement was awarded for the full amount, plus interest, plus court costs to the credit card company. I continued to keep in contact with Armored Debt Center and fax them everything that was sent to me. It would take up to several weeks for them to call me just to state that they received my fax. They have a well-rehearsed spiel that they give on a continued basis stating that “This is a process. Don’t worry. Keep faxing us documents sent to you. Don‘t give any information to debt collectors when they call you. Use your script. No further action is needed at this time.” They led me to believe that they would be settling with the debt collector “after my next payment”. This went on for several months with no settlement. Armored Debt Center did not settle my $3644 debt with the very first credit card company that filed, after a full 12 months of payments at $658 per month. I had given them $7896 of hard-earned money and they had not settled anything. Every time I would call, I would get the same run-around, rehearsed speech and be coerced into continuing the program. I would explain that other credit card companies were getting ready to take me to court. Now, the court has allowed the debt collector to garnish my wages by 25%. Because Armored Debt Center failed to settle with the first credit card company to take me to court and my wages are being garnished, I no longer have hopes of being able to get myself out of debt because I don’t have any extra money to give to a debt settlement company, or to save on my own, for such a purpose. At this time, my 3 other credit card companies have indeed initiated taking me to court and I have summons for those now.
I spoke to a representative at Armored Debt Center, Mark, about what had happened and that their debt settlement program had failed miserably. I called Armor Debt Center to ask for my money back for a program that had failed. He eventually said that he would give me back my “reserves” which was $3138 but they would not refund their “service” fees which were $4530. When asked what services they had provided for $4530, Mark stated “education”.. Education on a program that did not work, that did not do me any good whatsoever, and in fact got my wages garnished and ruined my credit. My “education” was a script on how to get off the phone with debt collectors and what website to go to to fill out paperwork to send to court that anybody could have accessed. Upon further pleading with Mark, he stated that they would refund 3 to 4 payments. By the end of the conversation, however, he was saying 2 to 3 payments. Therefore, Armored Debt Center was intending to keep $3398. I received an e-mail today asking me to sign a form stating that I will accept $1132 back from them, which is only 2 payments and indeed would award them $3398 for doing nothing that benefited me. I have been so stressed out, I’ve nearly made myself sick. I have heard that there has been a law passed to safeguard people from these debt relief scams. I have not yet had a chance to find out the specifics.

I run a website that provides profiles and contact information about certain businesses which rely on hiring contractors. I basically help people get in contact with these businesses to get hired. So, I got a Cease and desist letter from one of the companies (not a court order, basically a warning) and I’m wondering if I’m really doing anything wrong and should respond. They claim I am advertising their business (which who the hell turns down free advertising?!) in ways that they do not approve. I do have a disclaimer on my site which states that I am not affiliated with any of the companies mentioned on the site. Isn’t that enough in my defense?