alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
CA 13-15

October 22, 2013

TO THE OFFICERS AND MANAGERS IN CHARGE OF CONSUMER AFFAIRS 

SECTIONS AND TO STATE MEMBER BANKS:

SUBJECT: Interagency Statement on Fair Lending Compliance and the Ability-to-Repay 

and Qualified Mortgage Standards Rule

Applicability to Community Banking Organizations: This guidance applies to all state 

member banks, including those with $10 billion or less in consolidated assets.

The Federal Reserve is issuing the attached Interagency Statement on Fair Lending 

Compliance and the Ability-to-Repay and Qualified Mortgage Standards Rule to clarify

supervisory expectations regarding fair lending compliance and the Ability-to-Repay and 

Qualified Mortgage Standards Rule (Ability-to-Repay Rule), which implements provisions of the 

Truth in Lending Act. 

The statement sets forth the issuing agencies’1 view that the requirements of the Abilityto-Repay Rule, the Equal Credit Opportunity Act (and its implementing regulation, Regulation 

B, 12 C.F.R. Part 1002), and the Fair Housing Act (and its implementing regulation, 24 C.F.R. 

Part 100) are compatible, and includes general principles intended to guide supervisory activities 

as the Ability-to-Repay Rule takes effect in January 2014.

This statement does not impose additional compliance or supervisory requirements on 

financial institutions or examiners, respectively. 

 1 The issuing agencies are the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, 

the Federal Reserve, the National Credit Union Administration, and the Office of the Comptroller of the Currency.
2

Federal Reserve Banks are asked to distribute this letter and the accompanying statement

to state member banks, as well as to supervisory and examination staff. Questions on the 

attached guidance should be directed to Carol Evans, Assistant Director, at (202) 452-2051, or 

Amal Patel, Senior Supervisory Consumer Financial Services Analyst, at (202) 912-7879. In 

addition, questions may be sent via the Board’s public website.2

Sincerely,

 

Attachment: Interagency Statement on Fair Lending Compliance and the Ability-to-Repay and 

Qualified Mortgage Standards Rule

 2 See http://www.federalreserve.gov/apps/contactus/feedback.aspx.
**Circuit Court for Baltimore City**

**Case No. 24-D-15-002928 Argued: Friday, November 30, 2018**  

### IN THE COURT OF APPEALS **OF MARYLAND**

**No. 27**

**September Term, 2018**

**CELSO MONTERROSO ROMERO**

**v.**

**JOSEFA PEREZ**

**Barbera, C.J. Greene**  **McDonald Watts**  **Hotten Getty**  **Adkins, Sally D., (Senior Judge, Specially Assigned)** 

**JJ.**

**Per Curiam Order**

**Filed: December 7, 2018****CELSO MONTERROSO ROMERO * IN THE**

*** COURT OF APPEALS**

**v. * OF MARYLAND**

*** No. 27**

**JOSEFA PEREZ * September Term, 2018**



### PER CURIAM ORDER

**For reasons to be stated later in an opinion to be filed, it is this 7th day of December 2018,** 

**ORDERED, by the Court of Appeals of Maryland, that the April 4, 2018, judgment of the** 

**Court of Special Appeals,** Romero v. Perez **, 236 Md. App. 503, be reversed; and it is further**

**ORDERED, that this case be remanded to the Court o f Special Appeals with the instruction** 

**that the October 7, 2016, order of the Circuit Cour t for Baltimore City, Docket Entry No. 2001, be** 

**vacated and, further, that the case be remanded to the Circuit Court to enter forthwith an amended** 

**order that includes the requisite Special Immigrant Juvenile Status (“SIJS”) finding that R.P.’s** 

**reunification with his mother is not viable due to the unrefuted evidence of neglect presented to** 

**the Circuit Court; and it is further**

**ORDERED, that, in satisfying this order, the Court of Special Appeals and the Circuit** 

**Court for Baltimore City shall be mindful of the im minent deadline of May 2, 2019, for timely** 

**submission of R.P.’s SIJS application and shall mak e all reasonable efforts to execute the Mandate** 

**of this Court as expeditiously as possible. All co sts are waived. Mandate to issue forthwith.** 

**/s/ Mary Ellen Barbera Chief Judge**
Exhibit 99.1   Officer's Certificate regarding Annual Statement of
               Compliance of Washington Mutual Bank

                             WASHINGTON MUTUAL BANK
                              OFFICER'S CERTIFICATE


The  undersigned  officer of  Washington  Mutual  Bank (the  "Servicer")  hereby
certifies  on behalf of the  Servicer  and on his own behalf for purposes of the
WaMu Mortgage Pass-Through Certificates, Series 2005-AR8, as follows:

1. I am the duly appointed and qualified Senior Vice President of the Servicer.

2. Capitalized terms used and not defined herein shall have the meanings
ascribed to such terms in the Pooling and Servicing Agreement related to the
above-referenced series of Certificates.

3. I am duly authorized to execute and deliver this Officer's Certificate on
behalf of the Servicer.

4. A review of the activities of the Servicer during the preceding
calendar year and performance under this Agreement has been made under my
supervision.

5. To the best of my knowledge, based on such review, the Servicer has
fulfilled all its obligations under the Agreement throughout such year.



     IN WITNESS WHEREOF, I have signed my name as of March 1, 2006.




                     WASHINGTON MUTUAL BANK


                     By: /s/ Henry J. Berens
                         -------------------------------------
                         Henry J. Berens
                         Senior Vice President
[Federal Register Volume 88, Number 202 (Friday, October 20, 2023)]
[Notices]
[Pages 72496-72497]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2023-23230]


-----------------------------------------------------------------------

DEPARTMENT OF HEALTH AND HUMAN SERVICES

National Institutes of Health


Center for Scientific Review; Amended Notice of Meeting

    Notice is hereby given of a change in the meeting of the Center for 
Scientific Review Special Emphasis Panel PAR23-156: Lasker Clinical 
Research Scholars Program, November 21, 2023, 9:00 a.m. to 5:00 p.m., 
National Institutes of Health, 6701 Rockledge Drive, Bethesda, MD 20892 
which was published in the

[[Page 72497]]

Federal Register on October 4, 2023, 88 FR 68640 FR Doc No. 2023-21888.
    This meeting is being amended to change the meeting date from 
November 21, 2023, to November 8, 2023, and the time from 9:00 a.m.-
5:00 p.m. to 9:30 a.m.-4:00 p.m. The meeting is closed to the public.

    Dated: October 17, 2023.
Melanie J. Pantoja,
Program Analyst, Office of Federal Advisory Committee Policy.
[FR Doc. 2023-23230 Filed 10-19-23; 8:45 am]
BILLING CODE 4140-01-P
<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted from WTC
Industries, Inc. unaudited condensed consolidated financial statements as of
March 31, 1999 and 1998 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<CIK> 0000877542
<NAME> WTC INDUSTRIES, INC.
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                               0
<SECURITIES>                                         0
<RECEIVABLES>                                  479,567
<ALLOWANCES>                                    10,000
<INVENTORY>                                    393,268
<CURRENT-ASSETS>                               887,964
<PP&E>                                         862,918
<DEPRECIATION>                                 626,146
<TOTAL-ASSETS>                               1,132,031
<CURRENT-LIABILITIES>                        1,990,751
<BONDS>                                      4,742,059
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       114,603
<OTHER-SE>                                 (5,715,382)
<TOTAL-LIABILITY-AND-EQUITY>                 1,132,031
<SALES>                                      1,181,751
<TOTAL-REVENUES>                             1,181,751
<CGS>                                          826,796
<TOTAL-COSTS>                                  352,283
<OTHER-EXPENSES>                                 3,179
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                              82,329
<INCOME-PRETAX>                               (82,836)
<INCOME-TAX>                                         0
<INCOME-CONTINUING>                           (82,836)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (82,836)
<EPS-PRIMARY>                                    (.07)
<EPS-DILUTED>                                    (.07)
        


</TABLE>
Case No. 6,566.

#### HODGSON v. MARINE INS. CO.

[1 Cranch, C. C. 569.] 1

Circuit Court, District of Columbia.

July Term, 1809.

Tender oe Issue — Previous Demurrer.

The court will not permit a defendant to tender an issue which he had refused to join, and to which he had demurred when tendered by the plaintiff; there having been judgment rendered against him by the supreme court on the demurrer.

[See Case No. 6,567.]

THE COURT

refused the ninth plea now offered by the' defendants, because the substance of it was tendered as an issue, by the plaintiff in a former stage of the suit, and rejected by the defendants, who chose to demur; and having had judgment against them in the supreme court on the demurrer, ought not now to be permitted to amend.
**UN PUBLISHED** 
UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT

**No. 13**  **- 7042** 

ROY FRANKLIN ECHOLS, JR. , Petitioner

- Appellant ,
v. RONALD J. ANGELONE, Director, Department of Corrections , Respondent

- Appellee
.

Appeal from the United States District Court for the Eastern District of Virginia , at Richmond
. Robert E. Payne, Senior District Judge. ( 3:13

- cv - 00378

- REP )

Submitted : December 17, 2013 Decided: December 19, 2013

Before KING, GREGORY, and WYNN , Circuit Judges.

Dismissed by un published per curiam opinion
. Roy Franklin Echols, Jr. , Appellant Pro Se. Linwood Theodore Wells, Jr., Assistant Attorney General , Richmond, Virginia, for Appellee
. Unpublished opinions are not binding precedent in t his circuit.2 PER CURIAM: Roy Franklin Echols, Jr. , seeks to appeal the district
court ’ s order denying his Fed. R. Civ. P. 60(b) motion for reconsideration of the district court ’ s order denying relief on his 28 U.S.C. § 2254 (2006) petition. The order is not appealable unless a circuit justice or judge issues a certificate of appealability. 28 U.S.C. § 2253(c)(1) (A) (2006) ; Reid v. Angelone , 369 F. 3d 363, 369 (4th Cir. 2004).
A certificate of appealability will not issue absent “ a substantial showing of the denial of a constitutional right. ” 28 U.S.C. § 2253(c)(2) (2006)
. When the district court denies relief on the merits, a prisoner satisfies this standard by demonstrating that reasonable jurists would find that the district court’s assessment of the constitutional claims is debatable or wrong. Slack v. McDaniel , 529 U.S. 473, 484 (2000); see Miller

- El v. Cockrell , 537 U.S. 322, 336

- 38 (2003). When the district court denies relief on procedural grounds, the prisoner must demonstrate both that the di spositive procedural ruling is debatable, and that the petition states a debatable claim of the denial of a constitutional right. Slack , 529 U.S. at 484

- 85. We have independently reviewed the record and conclude that Echols has not made the requisite sh owing. Accordingly, we deny a certificate of appealability and dismiss the appeal. We3 also deny Echols’ motions to alter or amend the judgment and for appointment of counsel. We dispense with oral argument because the facts and legal contentions are ad equately presented in the materials before th is court and argument would not aid the decisional process.
DISMISSED
March 15, 2006


Ms. Kristen Driscoll
Citibank, N.A.
388 Greenwich Street 14th Floor
New York, NY 10013


RE:   Officer's Certificate    Statement as to Compliance

     PHH Mortgage Capital LLC, Series:  PHHMC 2005-4

Dear Ms. Driscoll:

The undersigned officer certifies the following for PHH Mortgage Corporation
for the 2005 calendar year.    To the best of our knowledge:


A review of the activities of the Master Servicer during the preceding year
and of performance under the Pooling and Servicing Agreement dated as of
June 1, 2005 has been made under such officers' supervision.

To the best of such officers' knowledge, based on such review, the Master
Servicer has fulfilled all of its obligations under the Pooling and Servicing
Agreement dated June 1, 2005 throughout such year.




Certified by:

/s/ Marc J. Hinkle
------------------------
Officer - Marc J. Hinkle
Vice President - Loan Servicing
PHH Mortgage Corporation
No. 60633.

#### Wycombe, Meyer Co. *v.*United States,

protest 275633-K (New York).

Opinion by

Donlon, J.

The protest was dismissed.
# Official Journal C 4/2007

| | ISSN 1725-2423 |
| --- | --- |
| Official Journal
  of the European Union | C 4 |
| | |
| English edition | Information and Notices | Volume 509 January 2007 |

ISSN 1725-2423

Official Journal

of the European Union

C 4

English edition

Information and Notices

Volume 509 January 2007

---

| Notice No | Contents | page |
| --- | --- | --- |
| | II   Information |
| | INFORMATION FROM EUROPEAN UNION INSTITUTIONS AND BODIES |
| | Commission |
| 2007/C 004/01 | Initiation of proceedings (Case COMP/M.4397 — CVC/FERD/SIG) (1) | 1 |

Notice No

Contents

page

II   Information

INFORMATION FROM EUROPEAN UNION INSTITUTIONS AND BODIES

Commission

2007/C 004/01

Initiation of proceedings (Case COMP/M.4397 — CVC/FERD/SIG) (1)

1

---

| | IV   Notices |
| --- | --- |
| | NOTICES FROM EUROPEAN UNION INSTITUTIONS AND BODIES |
| | Commission |
| 2007/C 004/02 | Euro exchange rates | 2 |

IV   Notices

NOTICES FROM EUROPEAN UNION INSTITUTIONS AND BODIES

Commission

2007/C 004/02

Euro exchange rates

2

---

| | V   Announcements |
| --- | --- |
| | PROCEDURES RELATING TO THE IMPLEMENTATION OF THE COMMON COMMERCIAL AND COMPETITION POLICY |
| | Commission |
| 2007/C 004/03 | Prior notification of a concentration (Case COMP/M.4515 — CSN/Corus) (1) | 3 |
| 2007/C 004/04 | Prior notification of a concentration (Case COMP/M.4431 — BG GROUP/SERENE) — Candidate case for simplified procedure (1) | 4 |
| 2007/C 004/05 | Prior notification of a concentration (Case COMP/M.4529 — CVC/Fraikin) — Candidate case for simplified procedure (1) | 5 |
| 2007/C 004/06 | Prior notification of a concentration (Case COMP/M.4527 — Sun Capital/Golden Gate/Eddie Bauer) — Candidate case for simplified procedure (1) | 6 |

V   Announcements

PROCEDURES RELATING TO THE IMPLEMENTATION OF THE COMMON COMMERCIAL AND COMPETITION POLICY

Commission

2007/C 004/03

Prior notification of a concentration (Case COMP/M.4515 — CSN/Corus) (1)

3

2007/C 004/04

Prior notification of a concentration (Case COMP/M.4431 — BG GROUP/SERENE) — Candidate case for simplified procedure (1)

4

2007/C 004/05

Prior notification of a concentration (Case COMP/M.4529 — CVC/Fraikin) — Candidate case for simplified procedure (1)

5

2007/C 004/06

Prior notification of a concentration (Case COMP/M.4527 — Sun Capital/Golden Gate/Eddie Bauer) — Candidate case for simplified procedure (1)

6

---

| | Corrigenda |
| --- | --- |
| 2007/C 004/07 | Corrigendum to the Legislative proposals adopted by the Commission (OJ C 303, 13.12.2006) | 7 |

Corrigenda

2007/C 004/07

Corrigendum to the Legislative proposals adopted by the Commission (OJ C 303, 13.12.2006)

(OJ C 303, 13.12.2006)

7

---

| | |
| --- | --- |
| | (1)   Text with EEA relevance |

---

(1)   Text with EEA relevance

1

| EN | |
| --- | --- |

EN
<PAGE>   1
                              ARTHUR ANDERSEN LLP

                                                                   EXHIBIT 23.1

                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent public accountants, we hereby consent to the incorporation by 
reference in this registration statement of our report dated August 21, 1997 
included in Rural/Metro Corporation's Form 10-K for the year ended June 30, 
1997 and to all references to our firm included in this registration statement.

                                                            ARTHUR ANDERSEN LLP

Phoenix, Arizona,
September 3, 1998.
EHIBIT 11.1
                           AMERICA SERVICE GROUP INC.

<TABLE>
<S>                                                          <C>                                           <C>
                                                             Quarter Ended                        Nine Months Ended 
                                                             -------------                        -----------------
                                                             September 30,                         September 30,
                                                             --------------                       -----------------

                                                          <C>                  <C>              <C>               <C>
                                                          1996                1995              1996             1995
                                                          ----                ----              ----             ----

Net income (loss)                                       $427,054            $326,433        ($2,671,878)      $1,003,051
Adjust for Interest Income under the Modified
 Treasury Calculation                                     11,013               3,918             --                3,918
                                                       ---------            --------        ------------      ----------


Net Income                                              $438,067            $330,351        ($2,671,878)      $1,006,969
                                                       ---------            --------        ------------      ----------
                                                       ---------            --------        ------------      ----------


Weighted average shares outstanding                    3,281,516           3,070,563          3,128,413        3,059,377

Common stock equivalents                                 327,668             299,041             --              275,761

Adjust for 20% limit under the modified treasury
 calculation                                             (92,458)            (20,796)             --             (20,796) 
                                                       ----------          -----------       ----------       ------------

Total weighted average common and common
 equivalent shares                                     3,516,726           3,348,808          3,128,413        3,314,342
                                                       ----------          ----------        ----------       ------------
                                                       ----------          ----------        ----------       ------------

Earnings per common and common and equivalent
 share                                                    $0.12               $0.10             ($0.85)            $0.30
                                                       ----------          ----------        -----------      ------------
                                                       ----------          ----------        -----------      ------------

</TABLE>
<PAGE>   1
                                                                    EXHIBIT 11.1

SCHEDULE OF COMPUTATION OF NET LOSS PER SHARE

<TABLE>
<CAPTION>
                                                            1998        1997
                                                         ----------  ----------
<S>                                                      <C>         <C>
Net Loss applicable to Common Stock                      (2,623,595) (3,127,979)

Weighted average number of common shares equivalent:
Common shares outstanding                                 3,941,811   3,541,385
Common equivalent shares representing shares
issuable upon exercise of stock options and warrants             --          --
                                                         ----------  ----------
Incremental common equivalent shares (calculated 
using the higher of end of period or average fair 
market value)                                                    --          --
                                                         ----------  ----------
    Total weighted average shares - as adjusted           3,941,811   3,541,385

Basic                                                    $    (0.67) $    (0.88)
Diluted                                                  $    (0.67) $    (0.88)

</TABLE>

                                     Page 1
No. 59341.

Suit 4812.

#### United States *v.*Judson Sheldon Division, National Carloading Corporation.

C. D. 1581 reversed June 15, 1955. C. A. D. 594.
Page 1 of 2

BOARD OF GOVERNORS

OF THE

FEDERAL RESERVE SYSTEM

WASHINGTON, D.C. 20551 

DIVISION OF SUPERVISION

AND REGULATION

DIVISION OF CONSUMER AND 

COMMUNITY AFFAIRS

SR 21-15 / CA 21-11 

August 27, 2021 

TO THE OFFICER IN CHARGE OF SUPERVISION AT EACH FEDERAL RESERVE 

BANK 

SUBJECT: Guide for Community Banking Organizations Conducting Due Diligence on 

Financial Technology Companies

Applicability: Banking organizations with $10 billion or less in consolidated assets supervised 

by the Federal Reserve.

Staff of the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance 

Corporation, and the Office of the Comptroller of the Currency have developed the attached 

guide, “Conducting Due Diligence on Financial Technology Companies: A Guide for 

Community Banks.”1

 By providing access to new or innovative technologies, companies 

specializing in financial technologies (or “fintech companies”) can provide community banking 

organizations with many benefits, such as enhanced products and services, increased efficiency, 

and reduced costs. Like other third-party relationships, arrangements with fintech companies can 

also introduce risks. 

The attached guide is a resource for community banks when performing due diligence on 

prospective relationships with fintech companies. Use of this guide is voluntary and it does not 

anticipate all types of third-party relationships and risks. Therefore, a community bank can tailor 

how it uses relevant information in the guide, based on its specific circumstances, the risks posed 

by each third-party relationship, and the related product, service, or activity (herein, activities) 

offered by the fintech company. While the guide is written from a community bank perspective, 

the fundamental concepts may be useful for banks of varying size and for other types of thirdparty relationships. The guide aligns with existing regulations and guidance that address due 

diligence and third-party risk management and does not establish new or interpret existing 

guidance. 

1 See https://www.federalreserve.gov/newsevents/pressreleases/bcreg20210827a.htm
Page 2 of 2

Reserve Banks are asked to distribute this letter to community banking organizations with $10 

billion or less in consolidated assets in their districts and to appropriate supervisory staff. 

Questions regarding this letter may be sent via the Board’s public website.2

 

signed by 

Michael S. Gibson 

signed by

Eric S. Belsky

Director Director

Division of Supervision Division of Consumer and

and Regulation Community Affairs

Attachments:

• Conducting Due Diligence on Financial Technology Companies: A Guide for Community 

Banks

Cross References: 

• SR 13-19 “Guidance on Managing Outsourcing Risk” (December 5, 2013)

2 See http://www.federalreserve.gov/apps/contactus/feedback.aspx.