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...
When Congress repealed the Glass-Steagall Act in 1999 through the Gramm-Leach-Bliley Act, it removed a foundational barrier between commercial banks and investment houses.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...
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...
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...
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