April 18, 2018 2,082 Views Senate Addresses Robocalls: What Mortgage Servicers Need to Know Tagged with: consumers Financial Services providers Homeowners Robocalls Senate Servicers Home / Daily Dose / Senate Addresses Robocalls: What Mortgage Servicers Need to Know Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Government, News Demand Propels Home Prices Upward 2 days ago Although robocalls can be an important element of how the financial services industry communicates with those they are doing business with, robocalls are often seen in a bad light due to some fraudulent or abusive calls that are made without a participant’s consent. In order for the industry to use them properly, clarity is needed on issues such as what qualifies as a robocall, who is legally permitted to be contacted, and how a consumer can grant consent for the communication. A Senate hearing Wednesday tackled this topic head-on. “Not all of them are inherently negative,” said Sen. John Thune, Chairman of the Committee of Commerce, Science, and Transportation in his opening remarks at the Senate hearing on Wednesday. The hearing attempted to lay out steps the government and the industry can take to protect against scammers who take advantage of this technology.“Many important services are carried out via robocall where companies and call recipients have pre-established relationships and where the consumer has agreed to participate in these types of calls,” said Thune. For instance, robocalls may be used by the financial services industry to remind customers about pending payments or to communicate with homeowners in case of natural calamities.Recently, an Appeals court also weighed in to clarify the issues of robocalls and consent. The U.S. Court of Appeals for the District of Columbia Circuit issued a ruling in the case of ACA International v. FCC, clarifying several issues with regard to consumer and industry rights pertaining to robocalls and texts sent to consumers.ACA International had challenged the FCC’s interpretations of the TCPA, as laid out in a July 2015 Omnibus Declaratory Ruling and Order on three issues—the definition of an ‘automatic telephone dialing system,’ the identity of the ‘called party’ in the reassigned number context, and the means by which consent can be revoked.”Scott Delacourt, Partner, Wiley Rein LLP and a representative of the U.S. Chamber of Commerce who testified at the Senate hearing on Wednesday said: “Unfortunately, the Commission’s implementation of the Telephone Consumer Protection Act (TCPA) over many years has fostered a whirlwind of litigation,” said Delacourt. “Interpretations by courts and the FCC have strayed far from the statute’s text, Congressional intent, and common sense, turning the TCPA into a breeding ground for frivolous lawsuits brought by serial plaintiffs and their lawyers, who have made lucrative businesses out of targeting U.S. companies.”According to Delacourt, the number of TCPA case filings exploded to 4,860 in 2016, and TCPA litigation grew 31.8 percent between 2015 and 2016.However, fraudulent robocalls remain a persistent challenge for the Federal Trade Commission (FTC), Federal Communications Commission (FCC), and for the industry and lawmakers. In 2017, the Federal Trade Commission (FTC) received 7.1 million complaints from consumers against robocalls. Of these, 771,000 complaints were about fraudulent calls that allegedly helped consumers reduce debt. “Illegal robocalls remain a significant consumer protection problem because they repeatedly disturb consumers’ privacy and frequently use fraud and deception to pitch goods andservices, leading to significant economic harm,” said Lois Greisman, Associate Director, Marketing Practices Division, Bureau of Consumer Protection at the FTC. “Illegal robocalls are also frequently used by criminal impostors posing as trusted officials or companies.”Greisman, who was one of the witnesses testifying at the hearing, said that technological advances had permitted lawbreakers to make more robocalls for less money and with a greater ability to hide their identity. The Senate also heard a testimony from Rosemary Harold, Chief, Enforcement Bureau, at FCC who said that many fraudulent robocalls were designed to trick people out of significant amounts of money. “These schemes often are most effective in harming vulnerable populations, such as senior citizens,” said Harold. “Unwanted robocalls are the Commission’s number one source of consumer complaints. The recent Omnibus legislation will provide significant assistance in our enforcement efforts.” Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Radhika Ojha The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Putting Abandoned Properties Under the Spotlight Next: The Industry Pulse: Updates on Altisource, DCHFA, Guild Mortgage, and More … Share Save Sign up for DS News Daily consumers Financial Services providers Homeowners Robocalls Senate Servicers 2018-04-18 Radhika Ojha Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribe
Construction and cranes have been a familiar sight over the inner city for the last three years. Picture: Richard WalkerTHE Reserve Bank has warned Australia risked an above average rise in dwellings being cancelled if market conditions deteriorate.The latest RBA board minutes, released Tuesday, expected to see a high level of dwelling investment over “the next year or so” but warned of “some risk” of above average cancellations.It said private dwelling investment had already “declined unexpectedly” in the September quarter, when “poor weather had disrupted construction”.“The large amount of work in the pipeline was expected to support dwelling investment at high levels over the next year or so, although there was some risk of more cancellations than usual if conditions in apartment markets deteriorated.”More from newsMould, age, not enough to stop 17 bidders fighting for this home2 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor8 hours agoRBA governor Philip Lowe arriving at a function in Sydney. Picture: James CroucherThe board, which is presided over by RBA governor Philip Lowe, has tread carefully in recent years in its attempts to prevent the housing boom from turning to bust. It found low interest rates and increased housing prices had driven a surge in dwelling investment nationally over the previous year, with Sydney and Melbourne pulling away from the rest of the market.RBA warned that increased supply and lower population growth had already depressed rents and apartment prices in Perth “and, increasingly, Brisbane”, while established housing markets in Sydney and Melbourne had picked up over the second half of 2016.The board noted “a small increase” in variable housing lending rates for investors but “little change in overall lending rates for owner-occupiers and in business lending rates”.The latest ASX RBA rate indicator was showing a 95 per cent market expectation of no change to the official 1.5 per cent cash rate at the next RBA board meeting on March 7.
Promoted Content5 Of The World’s Most Unique Theme ParksInsane 3D Spraying Skills Turn In Incredible Street ArtIs This The Most Delicious Food In The World?What Is A Black Hole And Is It Dangerous For Us All?6 Incredibly Strange Facts About HurricanesBest Car Manufacturers In The WorldBest & Worst Celebrity Endorsed Games Ever Made10 Risky Jobs Some Women Do6 Interesting Ways To Make Money With A DroneWhich Country Is The Most Romantic In The World?14 Hilarious Comics Made By Women You Need To Follow Right NowHere Are The Top 10 Tiniest Mobile Phones On The Planet! Read Also: Ronaldo, Juve teammates celebrate Serie A title in styleHowever, he does have a €25m release clause, and the Blues could use that to leverage a deal, with doubts over the long term futures of Marcos Alonso and Emerson.Barcelona would be eligible for a 40% windfall from any potential deal, as per the terms of his move from the Camp Nou.FacebookTwitterWhatsAppEmail分享 Loading… Premier League campaigners Chelsea are reportedly targeting Getafe’s Marc Cucurella, with a €30m summer offer. Cucurella joined Jose Bordalas’ side in a permanent switch in March after arriving on loan at the start of the 2019-20 campaign.Advertisement The Spanish U21 international has enjoyed an eye-catching season in the south of Madrid, as Bordalas’ side narrowly missed out on a second successive Europa League qualification. Frank Lampard is in the market for a new left back ahead of the 2020-21 season, and Cucurella, who can play at left back or left wing, could be a perfect addition, as per reports from Diario AS.Getafe want to keep hold of Cucurella, with Bordalas in a strong position due to a full transfer being agreed less than four months ago.
Officials in Minnesota are reporting that they have arrested a 46-year-old man who reportedly set his mobile home on fire to kill his 22-year-old daughter after an argument.The incident occurred Tuesday in Paynesville.Authorities say they received a call from the victim, Jamey Newport stating that her father was going to set their home on fire. During the phone call, authorities reported that Newport than began screaming and coughing claiming that her father had set the home on fire and that she was trapped inside.A responding officer found black smoke coming out of the mobile home and could hear Newport screaming inside. The officer attempted to get inside the home from there rear where he heard the victim screaming, however, he was unsuccessful before the home was engulfed in flames.The officer then went back to the front of the home, where he found the victim’s father John Newport yelling at the victim through a broken window.He then attempted to get back into the home through a door and then through a broken window but eventually retreated. He was eventually restrained by the officer and taken to a hospital to for treatment on his injuries.Firefighters arrived to the scene and immediately put out the fire and pulled the victim from the home.She was taken to an area hospital where she was pronounced dead.According to the report, the two argued about Jamey’s plans to move out of the home and that John posted on Facebook Friday that he planned to burn down his house.John has since been taken Stearns County Jail and charged with second-degree murder. He remains behind bars on a $2 million bond.
Members of Parliament have hailed the health benefits of golf, following a recently published scientific review by researchers at the University of Edinburgh. A motion has been tabled in the House of Commons welcoming the review, which highlights the considerable physical and mental health benefits of the sport. The review, supported by the World Golf Foundation, found that golfers live longer than non-golfers, playing golf improves cholesterol levels and body composition, and also appears to improve wellness and self-confidence. Golf is also expected to decrease the risk of more than 40 major chronic diseases (See below for more information). The motion welcomes “the collaborative approach highlighted thus far by the World Golf Foundation, the Royal and Ancient, PGAs of Europe, the European Tour, and the Universities of Edinburgh and St Andrews” and “looks forward to members and the public alike benefiting from the health benefits of this great sport.” The motion was tabled by Co-Chairman of the Parliamentary Golf Group, Stephen Gethins MP. He said: “This report is welcome and shows the huge range of health benefits that golf brings to people of all ages. This review will be of major interest to policymakers in the UK, as it reveals the benefits of the sport for longevity, but also for quality of life. “Golf clearly plays an important role in maintaining a healthy, active population, and I look forward to seeing further research into the impact of the sport on health, particularly for older people. I hope that people in my constituency of North East Fife and across the UK will continue to pick up their clubs and enjoy the considerable health and social benefits that golf delivers.” Also signing the motion was Group Co-Chairman and Member of Parliament for Lincoln, Karl McCartney MP. He said: “Since the Parliamentary Golf Group was established last year, we have been keen to promote the health benefits of the sport. I welcome this review, and in particular its finding that golfers of all ages and abilities can gain the same health benefits as those at the elite level, including better physical and mental health outcomes and likely longer life. “Golf is the fifth largest sport in the UK in terms of participation, and I hope that we can continue to encourage people of all ages to take part, and enjoy the health benefits that a round can provide.” Lead researcher, Dr Andrew Murray, commented “Our review is clear that golf has overall health benefits. Golf provides moderate intensity physical activity, which is recommended by the World Health Organisation for its key role in improving life expectancy, helping prevent over 40 major chronic diseases such as type 2 diabetes, heart attacks and strokes, and improving mental health. “Golf can provide health benefits for people of all ages and backgrounds. The interest and leadership of Stephen Gethins, Karl McCartney and the All-Party Parliamentary Group on Golf in promoting the health benefits of the sport, and policies that promote growing the game is so important in helping people and populations gain the physical, mental, and social benefits golf can provide.” Steve Mona, World Golf Foundation CEO, added: “This scientific review is clear that golf can improve the health and well-being of the 55 million people in over 200 countries that play the game worldwide. The World Golf Foundation is committed to growing the game, and to do this we warmly welcome the opportunity to collaborate with the All-Party Parliamentary Group on Golf at the UK parliament, with a clear focus on increasing interest and participation in our sport.” The full text of the motion is as follows: Early day motion 409 – Golf and Health That this House welcomes the recent scientific review by the University of Edinburgh relating to golf and health published in the British Journal of Sports Medicine; notes that this study highlights that golf can provide moderate intensity physical activity as advocated by the World Health Organisation and our four home nations’ Chief Medical Officers’; further notes that this study outlines that, whilst the 55 million golfers worldwide, ranging from four to 104 years old may not win the Ryder Cup, or indeed the Open Championship, they can gain the same benefits such players obtain through golf including better physical and mental health outcomes and likely longer life; is pleased that the report is being widely shared by player ambassadors such as Annika Sorenstam, Gary Player, Padraig Harrington as well as members of our European and United States Ryder Cup teams; encourages others to consider the report’s implications, and look out for future research from this group; further welcomes the collaborative approach highlighted thus far by the World Golf Foundation, the Royal and Ancient, PGAs of Europe, the European Tour, and the Universities of Edinburgh and St Andrews; and looks forward to hon. Members and the public alike benefiting from the health benefits of this great sport. 6 October 2016 Golf is good for you – it’s official Golf can help you live longer, cut the risk of many chronic diseases and improve your self-esteem, according to a research project. Researchers at the University of Edinburgh reviewed 5000 papers to assess the health and well-being benefits of the game. These include a five-year increase in life expectancy and improved quality of life, as well as physical and mental health benefits. Golf is expected to decrease the risk of more than 40 major chronic diseases like type 2 diabetes, heart attacks, colon and breast cancer. Current research shows that golf has positive impacts on cholesterol, body composition, metabolism, and longevity. The project highlights that in a round of golf a player will take up to 17,000 steps, walk up to eight miles and burn up to 1200 calories. Regular golf can also help reduce anxiety, improve confidence and boost self-esteem, all of which contribute to improved mental wellbeing. England Golf Chief Executive Nick Pink commented: “This is great news. Through our Get into golf campaign we’ve been spreading the message that golf is good for your health and we’ve shared stories of people whose lives have improved by playing the game. “This research makes it clear that our enjoyable and sociable sport has a very important part to play in the government’s strategy to tackle inactivity and we look forward to encouraging even more people to take up the game.” Get into golf is England Golf’s campaign to inspire people to take up the sport with great value coaching from PGA professionals. To find an activity near you and to read more about the benefits of playing golf visit www.getintogolf.org Get into golf is supported by National Lottery funding. The Golf & Health project is supported by all of golf’s major organisations and an initial eight ambassadors with more than 30 majors and 350 wins between them. They are Aaron Baddeley (Australia), Annika Sorenstam (Sweden), Brooke Henderson (Canada), Gary Player (South Africa), Padraig Harrington (Ireland), Ryann O’Toole (USA), So Yeon Ryu (South Korea), and Zach Johnson (USA). The project has been launched by the World Golf Foundation and the scoping review has been published in the world’s leading sports medicine and science journal, The British Journal of Sports Medicine. Steve Mona, CEO of the World Golf Foundation, said: “This project is something we can all get behind, as it is universally agreed that golf is good for you. It is going to provide real, tangible resources that can be used by governments and politicians, professional tours, governing bodies, golf businesses, PGA Professionals and more – all to the sport’s benefit.” Find out more at www.golfandhealth.org Image copyright Leaderboard Photography 6 Oct 2016 Parliament welcomes health benefits of golf
DETROIT (AP) – Chris Kunitz had two goals and an assist to help the Pittsburgh Penguins beat the Detroit Red Wings 5-1 on Wednesday night in an exhibition game.Jussi Jokinen, Pascal Dupuis and Craig Adams also scored for Pittsburgh. Sidney Crosby and Evgeni Malkin each had two assists, and Marc-Andre Fleury made 16 saves.Drew Miller scored for Detroit, and Petr Mrazek stopped 31 shots.Jokinen and Dupuis scored in the final 5 minutes of the first to give the Penguins a 2-0 lead. Adams made it 3-0 3:14 into the second period. Miller scored with 7:11 left in the middle period.Kunitz’s first goal came with 2:35 remaining in the second and he added a power-play goal 9:28 into the third. Pittsburgh Penguins left wing Chris Kunitz (14) scores on Detroit Red Wings goalie Petr Mrazek (34), of the Czech Republic, in the third period of a NHL preseason hockey game in Detroit, Wednesday, Sept. 25, 2013. (AP Photo/Paul Sancya)
Golden Veroleum Liberia (GVL) is one of the few multinational companies currently operating in Liberia in the agriculture sector. It has acquired thousands of acres in south-eastern, Liberia specifically Sinoe and Grand Kru counties, planting oil palm and employing many Liberians in that part of the country.Besides the employment opportunities, the Indonesian company and its partners have provided Liberians with sustained training. Late last year, nine Liberians sponsored by GVL in Indonesia to study in various fields, returned to Liberia after a year of intensive studies.Among them was Theophilus A.T. Kambo, Jr., who specialized in Electrical Engineering.Mr. Kambo, who is a Liberian working as a cadet with Golden Veroleum has benefited from the cadet program, which is an inspirational one that will improve talented Liberians in their respective areas of discipline.The GVL cadet program has developed more ideas relating to his (Kambo) Electrical Engineering profession, which gives him the confidence that he can now contribute to the development of Liberia through his profession.The program has also given him more zeal and inspiration to seek excellence in his profession.The benefit of GVL training to him is also important to the development of his beloved country, adding that as an engineer, he is inspired to contribute his skills to rebuilding the country.The training has increased Mr. Kambo’s technical capacity and puts him in a position to learn more in the profession of electrical engineering. It has also exposed him to the world of palm oil mill construction, project management and project supervision which has added value to his skills.Mr. Kambo applied for the GVL program in Electrical Engineer and opportunity of career advancement in September, 2012. Having met the recruitment criteria (GVL’s policies covering recruitment), he received a communication to sit an aptitude test along with other Liberian Electrical Engineers on March 12, 2013. Based on his performance in the aptitude test, the GVL cadet was selected during the vetting process by Golden Veroleum Liberia.He considers his success as an added value because the training program also added another value to his previous credentials.The GVL training program has increased the number of skilled Liberian youths to seven persons.When asked what significant tasks he was able to achieve, Kambo said, “I learned new things almost every day. The most significant to date, he said, was learning supervision of electrical installations in the construction of palm oil mill.”The Indonesia trained electrical engineer had many difficulties, including the language barrier and the difference in food which he was able to cope with during his study in that country.He also learned the principle of operating diesel generators, steam turbo alternators and other machines, overhead power lines and underground cable transmission, electrical power transmission media (electrical cables), among others.Partnering with that Indonesia based-company (GVL) has brought to reality what he always dreamed of – to have an opportunity to further his studies. The young man used to wish to earn a Master’s degree in electric power systems and today his dream has finally been realized.Mr. Kambo, who is an experienced classroom teacher and good in interpersonal relationships, is willing to share his new skills with other GVL staff through tutorials, open discussions and mentoring.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)
Photo – Trevor McDonell looks downhill in Sunday’s BBC Mountain Bike race. Submitted photo. -submitted The Blizzards’ George Gamble won the Challenge Cup road race in Dawson Creek, over the weekend. He won in rainy and miserable conditions on the hilly Bear Mountain – Pouce Coupe circuit. Sven Svenson won the Labour Day mountain bike race with a time of 43:34 minutes for the very muddy Long-course 7 km event. 2009 Club Champion Trevor McDonell was second at 48:04, and Pat Ferris third at 1:01:07. – Advertisement -Gord “the Hammer’ Harris won the 3 lap short course with 56:00 minutes. George Gamble was second at 58:34 and Ken Nix third at 1:02:23. Adam Currie was 4th at 1:04:00 and Rob Churchill 5th at 1:07:15. Coming up: -Wed Night mountain bike race at 6:30 pm Advertisement -Thursday mountain bike time trial 6:30 pm both at the Beatton Cactus course. -Sunday: Oakridge World Masters 40 km time trial Challenge at Peejay 10:00 am. This is the second time the club has done this event. The top 5 Masters age class times are sent out to compare with 7 other teams from different countries. Advertisement