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These Last Days News - May 30, 2014

New Federal Database Will Track Americans’ Credit Ratings, Other Financial Information...

Washington Examiner reported on May 30, 2014:

As many as 227 million Americans may be compelled to disclose intimate details of their families and financial lives -- including their Social Security numbers -- in a new national database being assembled by two federal agencies.

The Federal Housing Finance Agency and the Consumer Financial Protection Bureau posted an April 16 Federal Register notice of an expansion of their joint National Mortgage Database Program to include personally identifiable information that reveals actual users, a reversal of previously stated policy.

FHFA will manage the database and share it with CFPB. A CFPB internal planning document for 2013-17 describes the bureau as monitoring 95 percent of all mortgage transactions.

FHFA officials claim the database is essential to conducting a monthly mortgage survey required by the Housing and Economic Recovery Act of 2008 and to help it prepare an annual report for Congress.

Critics, however, question the need for such a “vast database” for simple reporting purposes.

In a May 15 letter to FHFA Director Mel Watt and CFPB Director Richard Cordray, Rep. Jeb Hensarling, R-Texas, and Sen. Mike Crapo, R-Idaho, charged, "this expansion represents an unwarranted intrusion into the private lives of ordinary Americans."

Crapo is the ranking Republican on the Senate Banking, Housing and Urban Affairs Committee. Hensarling is chairman of the House Financial Services Committee.

Critics also warn the new database will be vulnerable to cyber attacks that could put private information about millions of consumers at risk. They also question the agency’s authority to collect such information.

Earlier this year, Cordray tried to assuage concerned lawmakers during a Jan. 28 hearing of Hensarling's panel, saying repeatedly the database will only contain “aggregate” information with no personal identifiers.

But under the April register notice, the database expansion means it will include a host of data points, including a mortgage owner’s name, address, Social Security number, all credit card and other loan information and account balances.

The database will also encompass a mortgage holder’s entire credit history, including delinquent payments, late payments, minimum payments, high account balances and credit scores, according to the notice.

The two agencies will also assemble “household demographic data,” including racial and ethnic data, gender, marital status, religion, education, employment history, military status, household composition, the number of wage earners and a family’s total wealth and assets.

Only 12 public comments were submitted during the 30-day comment period following the notice's April 16 publication.

The mortgage database is unprecedented and would collect personal mortgage information on every single-family residential first lien loan issued since 1998. Federal officials will continue updating the database into the indefinite future.

The database held information on at least 10.1 million mortgage owners, according to a July 31, 2013, FHFA and CFPB presentation at an international conference on collateral risk.

FHFA has two contracts with CoreLogic, which boasts that it has “access to industry’s largest most comprehensive active and historical mortgage databases of over 227 million loans.”

Cordray confirmed in his January testimony that CoreLogic had been retained for the national mortgage database.

The credit giant Experian is also involved in the mortgage database project, according to an FHFA official who requested anonymity.

Rep. Randy Neugebauer, R-Texas, who sits on the Hensarling panel and who has followed the mortgage database's development, said he was “deeply concerned” about the expansion.

“When you look at the kinds of data that are going to be collected on individuals, just about anything about you is going to be in this database,” he told the Examiner in an interview.

Critics of the database span the financial spectrum, including the U.S. Chamber of Commerce's Center for Capital Markets Competitiveness and the National Association of Federal Credit Unions.

In a May 16 letter to FHFA, NAFCU's regulatory affairs counsel, Angela Meyster, said the database "harbors significant privacy concerns" and "NAFCU believes greater transparency should be provided by the FHFA and CFPB on what this information is being used for."

Meyster told the Examiner that "it goes back to the breadth of information that they’re asking for without really speaking to what they will be used for."

Meyster said she was unconvinced. "It seems they’re just adding information and they’re not really stating where it’s going or what it’s going to be used for. There’s no straightaway answer. They say they are trying to assemble as much information that they can."

Neugebauer agreed. "Why are we collecting this amount of data on this many individuals?" he asked in the interview.

The Chamber of Commerce said that while Congress did ask for regular reports, it never granted FHFA the authority to create the National Mortgage Database.

“Congress did not explicitly require (or even explicitly authorize) the FHFA to build anything resembling the NMD,” the Chamber told Watt in its May 16 letter.

Cordray in his testimony told the House, "We’re making every effort to be very careful" but he could not promise there would never be a data breach.

Neugebauer said the hacker threat is real. "If someone were to breach that system, they could very easily steal somebody’s identity."

Meyster said she doubts the government can protect the data. “We’re essentially concerned that these government systems don’t have the necessary precautions to make sure that individual consumers are identified through the database,” she said.

Computerized theft of government and commercial data is a major concern for federal officials. Indictments were made public last week for five Chinese military members who allegedly hacked into the computer systems of six American corporations.

A December report from the Government Accountability Office on breaches containing personally identifiable information from federal databases shows unlawful data breaches have doubled, from 15,140 reported incidents in 2009 to 22,156 in 2012.

A May 1 White House report on cybersecurity of federal databases also recently warned, "if unchecked, big data could be a tool that substantially expands government power over citizens.”

"My children, I repeat, 666, known forever in the Book of life, the Bible, as the man of perdition, is not one man, but the forces of evil gathered like vultures to destroy the Christian and Christianity, to enslave the good and make powerful the bad, to make sin a way of life until each and every living creature of knowledgeable age must make the decision: Who is your master, man or God?" - Our Lady of the Roses, April 9, 1977

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Our Lady of the Roses Awesome Bayside Prophecies... http://www.tldm.org/Bayside/  These prophecies came from Jesus, Mary, and the saints to Veronica Lueken at Bayside, NY, from 1968 to 1995:

FALLEN TO SATAN
"We send from the Eternal Kingdom of the Lord high God in Heaven a warning to mankind. A great War will be soon upon you, claiming many lives throughout your earth. You will prepare yourselves and the souls of those you love. 
     "Your country has fallen to satan. Many countries throughout your world have given themselves to satan. The leaders in your country need many prayers.” – St. Michael, June 18, 1975

“YOU HOLD THE BALANCE”
"Your country, the United States of America, and many other countries of the world are being deceived. While they go forward seeking peace, the enemies of your God and your country are fast preparing to attack. Pray a constant vigilance of prayer, and recognize the faces of evil about you. Pray for the leaders of your country, My children. You hold the balance for the fate of your country.” – Our Lady, August 21, 1976

COUNTRY UNPROTECTED
"As I have warned you in the past, My children, while foolish man ran about crying peace, love, and brotherhood, planning to disarm, to leave your country unprotected, others whom your leaders shake hands with are planning your destruction. 
     "My children, an arsenal of arms now are being gathered throughout the world. They are major instruments of destruction. It is the regime of terror that man has brought upon himself by rejecting his God. 
     "Your country, the United States and America, has become a land of pagans. Your country and America and many countries of the world have given themselves over to all manner of pleasures of the flesh and defilement of the human body and desecration of their bodies and their spirits.” – Our Lady, February 1, 1978

FURY OF AN ANGRY GOD
"Sin has become a way of life in your country and all of the nations of earth! I say unto you: many hearts shall grieve, but too late will they seek to do penance! Too late will they seek to right the wrong. As you sow, you shall reap! And as you are sowing now, you shall reap the fury of an angry God.” - Jesus, May 28, 1977

WRATH OF THE FATHER
"Much tribulation lies ahead, but these trials have been brought upon you by man. As it was in the days of Noe, so it is in your day that man is prideful and arrogant, seeking to place scientific knowledge above the Father. Rationalization for sin, so that sin now is a way of life! Souls in darkness, homes in darkness, and churches in darkness--whatever will become of you? You ask for the wrath of the Father upon you!” - St. Paul, March 24, 1974

PRAY FOR LEADERS
"The leaders of your country and the leaders throughout the world have taken upon themselves a measure of sin creating insanity. 
     "In the light of the Spirit descending from Heaven, you shall be given the knowledge of truth, My children. Accept it and take it as your candle, for you must now go throughout your world saving your brothers, preparing them for what lies ahead.” – Our Lady, September 13, 1975

FRANKLIN ROOSEVELT
"Your leader, Roosevelt, is in hell! Franklin Roosevelt, My child. His spirit is one of darkness. He enters anew upon earth from the abyss.  My child, I do not expect you to understand at this time all I am having you repeat." - Our Lady, September 13, 1975

TED KENNEDY
"Many have been baptized--washed clean in the Faith, and now have chosen to destroy.
     "I sent you, My child, into your capital city to approach two with great power. We were not mistaken in the reaction, My child; More prayers are needed. You will write, and you must give out the knowledge without hesitating, that Heaven expects and commands the last of his clan [Ted Kennedy] in manhood to speak out and defend his Faith in your city of Washington! If he does not, My child, he will be condemned. He will be taken, My child, when he is unprepared.
     "Warn him once more, My child and My children, in the mercy that you have for your brothers. Speak out without fear, My child. It is too late; the hour grows late. You must now speak out and use the name. 
     "You will write to Ted Kennedy and tell him that he faces eternal damnation."  - Our Lady, September 6, 1975

SIN A WAY OF LIFE
"My child and My children, as it was in the past, so it shall be. There are many now foul deeds being committed upon the earth that cry to Heaven for retribution. The leaders of your country have lost their way, My child and My children. They are now making sin a way of life.” – Our Lady, October 6, 1992

Directives from Heaven... http://www.tldm.org/directives/directives.htm

D87 - Divinity of Jesus Christ   PDF  Order copies...
D88 - Martyrdom   PDF  Order copies...
D134 - U.S. Government Leaders  PDF  Order copies...
D266 - Persecution  PDF  Order copies...
D329 - Revolution  PDF  Order copies...   

EDITOR'S COMMENT:  Evil is accelerating and the Anti-Christ forces are gaining power in the world.  When the persecution starts, all Christian web sites on the internet will be forced to close.  Be sure to have in your possession all the following items: the Bayside Prophecy books, Bayside Medals, Douay-Rheims Bibles, the Protection Packets, Candles, Sacramentals, and Religious Books.  Purchase these items now while they are still available!  You will urgently need them in the days ahead.  Also, you can print out all PDF files for the Directives from Heaven and all of the Bayside Prophecies.  Copy Our Lady's messages and the Directives from Heaven now while they are still available!  Pray to the Holy Spirit for wisdom and guidance on how to prepare now and for the days ahead when the Antichrist is revealed.  Viva Cristo Rey!

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