From Property in Rights to Power Over Rights – Madison’s Warning Echoes Today

By: William Paatalo – Private Investigator / Expert Witness – bill.bpia@gmail.com In 1792, James Madison penned one of the most timeless essays in the early American republic: “Property,” published in the National Gazette. His argument was clear and visionary. Property, he argued, was...

Why the Administrative Process Succeeds Where Traditional Discovery Fails

For years, homeowners and their counsel have filed discovery requests, subpoenas, and motions to compel in foreclosure and debt collection cases — all seeking the same elusive answer: Who is the creditor? Show us the books. Show us the accounting trail. And for years, the results have been the same:...

Deregulation Without Oversight — How Derecognition Bypassed the Law and Why the Administrative Challenge Works

When Congress repealed the Glass-Steagall Act in 1999 through the Gramm-Leach-Bliley Act, it removed a foundational barrier between commercial banks and investment houses. This shift didn’t just change the structure of Wall Street — it opened the floodgates for an unregulated transformation of mortgage...

What the Repeal of Glass-Steagall Set in Motion

By William Paatalo – Private Investigator / Expert witness – bill.bpia@gmail.com Many Americans have heard of the Glass-Steagall Act, but few understand how its repeal laid the foundation for the housing collapse, securitization fraud, and the foreclosure crisis that still reverberates through...

TILA Rescission Meets Derecognition: Why Homeowners Have No Way Out

By William J. Paatalo Mortgage Fraud Investigator | Expert Witness | Homeowner bill.bpia@gmail.com Recently, when I exercised my right to rescind under the Truth in Lending Act (TILA), I did so knowing full well that the law was on my side. I complied with every statutory requirement. I notified the...

The Borrower as Bait: How Wall Street Weaponized Securitization Through Legal Fictions and Securities Fraud

Follow-up to “How Your Mortgage Became a Wall Street Security Without Your Knowledge” – May 20, 2025 By William J. Paatalo – Private Investigator | ORPSID #49411 | bill.bpia@gmail.com Disclaimer: The following article is for informational and educational purposes only. It is not intended to be...