2023年6月30日

HousingWire开放菜单运动付24美元解决承销政府贷款欺诈案司法部的和解解决一个告密者于2018年提起诉讼规定虚假申报法印度土地,总部位于南卡罗莱纳州的抵押贷款人运动已同意支付2375万美元,以了结指控,它起源于不当和承销抵押贷款保险由联邦住房管理局(FHA)和退伍军人事务部(VA)的项目。美国司法部周四宣布的协议解决了告密者于2018年提起诉讼前保险人珍妮弗·麦克尼尔和前质量控制团队领导Ledell Javon威尔逊在联邦法院在纽约北部地区的虚假申报法》的规定。运动的发言人没有回复HousingWire评论的请求。与其他同行一样,运动都有权和承销贷款没有首先在政府审查。如果借款人违约,他们可能会向政府提交索赔损失。因此,银行必须遵循联邦住房管理局和VA规则,以确保只有符合信贷和贷款承销标准由政府保险或担保。每告密者的诉讼,运动的经验承销相关人员定期做基本的错误计算借款人的财产收入,债务,资产。前质量控制保险人估计,大约20%的政府贷款文件由运动支持材料缺陷后,审计的诉讼主张。“纳税人支持的银行参与抵押贷款项目必须遵守规则旨在保护程序完整性和房主,”美国律师卡拉·弗里德曼在一份声明中说。“今天的结算持有抵押贷款负责运动过去违反虽然承认,它已采取措施,以加强其内部控制,以确保未来符合联邦住房管理局和弗吉尼亚州的需求。” Movement admitted it sent “a material percentage of loans” that did not meet the requirements to be eligible for the programs – and that the FHA and VA programs would not have insured or guaranteed these loans but for its submission of false certifications, the U.S. Attorney’s Office said. The company also confirmed that it failed to adhere to the government’s self-reporting requirements. Movement will pay the two former employees $4 million for their share of the settlement proceeds, and the rest will go to the government. The law permits a private party to file a suit on behalf of the government and receive a portion of any recovery. “Through this settlement, Movement Mortgage is accepting responsibility for its past actions by fully repaying the FHA insurance fund for its losses on defaulted loans that should not have been issued,” Damon Smith, General Counsel for the Department of Housing and Urban Development (HUD), said in a statement. FHA is part of the HUD. The covered conduct stretched back as far as July 2008, including a period of rapid expansion by the company, per the U.S Attorney’s office. However, the settlement agreement indicates that since 2018, Movement implemented measures to improve its operational and quality controls. Nelson Thomas, a founder of Thomas & Solomon LLP representing the whistleblowers, said too often individuals – especially underwriters and quality control employees – feel powerless in the mortgage industry where “there is typically an expectation that fraud will occur.” “Today’s settlement is proof that individuals like Jennifer and Javon can make a difference in stopping this fraud. For each of them, it was never about the whistleblower award; it was just about doing the right thing and trying to get things to change.” Movement case follows settlements by the Department of Justice with Academy Mortgage in December 2022 for $38.5 million and Guild Mortgage in October 2020 for $24.9 million . More: