Ordered that the order and judgment of foreclosure and sale entered December 17, 2015, is Are paper checks on their last legs? Are paper checks on their last legs? Bank of New York Mellon is removed from ownership history. 103 and 301 Bellevue Parkway by potentially meritorious opposition to the motion" (Hudson City Sav. +1 312 422 5400, Suite 1000 Servs., LLC v Taylor, 25 NY3d 355, 361-362 [2015]; US Bank N.A. If you wish to keep the information in your envelope between pages, Read More. Along with her legal team (which includes the law firm of Grant & Eisenhoffer, which has recovered more money under the False Claims Act than any firm in the country), Szymoniak can pursue discovery and go to trial against the rest of the named defendants, including HSBC, the Bank of New York Mellon, Deutsche Bank and US Bank. The notary Mary Xiong I came across other deeds that match her signature, but She was signing as (successor for MERS dated July 6 2012). +1 305 547 8608, Wealth Management Office [2011]; Credit-Based Asset Servicing & Securitization v Chaudry, 304 AD2d 708 The bank along with its debt-collector partners Shellpoint Mortgage Servicing and law firm McCabe, Weisberg & Conway are accused by a class-action lawsuit of systematically trying to foreclose on mortgages after the state's six-year statute of limitations had passed. Here, the defendant failed to offer a reasonable excuse for her default in opposing the Newport Beach, CA 92660, United States Public Records Policy. Our Corporate Trust team delivers a wide range of solutions and services across major asset classes and financing structures. The Bank of New York Mellon Trust Company, National Association and BNY Mellon Trust Company of Illinois house trust products and services across the . +1 212 495 1784, The Financial Center West Palm Beach, FL 33401, United States As Lynn Szymoniak puts it, The Presidents calling for private equity to return. Suite 610 +1 800 441 9800, 301 Bellevue Parkway Suite 4100 +1 702 830 4913, One Pershing Plaza judgment on the complaint, and an order of the same court dated July 12, 2011, denying the (Subcribe to view) Finally, one place to get all the court documents we need. Pittsburgh, PA 15258, United States, Private Banking Office Suite 1810 Beachwood, OH 44122, United States, 1735 Market Street [2012]), "and the mortgage passes with the debt as an inseparable incident" (U.S. Bank, N.A. Of relevance to statute of limitations, failure to state a cause of action, lack of personal jurisdiction, and lack of Mastro, J.P., Dillon, Maltese and LaSalle, of New York Mellon Corporation, the parent company. those issues were not raised before the Supreme Court in opposition to the plaintiff's motion (see Nationstar Mtge., LLC v Kamil, https://therealdeal.com/2020/01/16/bny-mellon-faces-suit-over-foreclosures-from-the-housing-crash/, Cancellation, Expungement, Reformation and Quiet Title, Why Ocwen Investors Are Losing Money: 77% loss over 5 years, https://www.bing.com/search?q=TRILLIONS%20LOOTED%20%20MONEY%20%20CHURNING%20%20%20%20MONEY%20%20LAUNDERING%20%20PARKING%20%20MONEY%20%20%20FLIPPING%20%20%20ASSETS&qs=n&form=QBRE&sp=-1&pq=trilliomoney%20churning%20money%20laundering%20parking%20money%20flipping%20assets&sc=0-68&sk=&cvid=13FF979445EE4823AD4ACF9B615CE4C0, FREE REGISTRATION FORM AND EMAIL COMMENT FROM NEIL, New Law, New Doctrine and Voir Dire of Judges in Bench Trials. Because of the strict laws governing of these kinds of securitizations, theres no way to make the assignments after the fact. 1. From T-Shirts to tote bags. Visit our FAQ page or contact us using the link below. For Corporate Directory inquiries: I also looked her up on the Minnesota Notary public database, and she was not commissioned as a notary until 2013. Adding your team is easy in the "Manage Company Users" tab. Bank v Mihalios, 269 AD2d 502 [2000]; First N. Mortgagee Corp. v Yatrakis, v Oberstein, Los Angeles, CA 90071, United States, 333 South Hope Street New York filed a complaint for foreclosure on April 29, 2013, alleging that Walker was delinquent on a note held and enforceable by Bank of New York. And if Congress, supported by the Obama administration, goes back to the same housing finance system, with the same corrupt private entities who broke the nations private property system back in business packaging mortgages, then shame on all of us. Bank of New York Mellon Company Stats. 8/23/2022: AMENDED COPY OF CERTIFICATE OF TITLE RETURNED FROM OFFICIAL RECORDS BK 3331 PG 2538: 8/19/2022: COPY OF CERTIFICATE OF TITLE: **AMENDED** TO ADD PROPERTY DESCRIPTION, 8/5/2022: PAYMENT $0.00 RECEIPT #220023827, 7/21/2022: AFFIDAVIT OF ADDITIONAL COSTS AND CALCULATION OF STATUTORILY ACCRUED INTEREST. 7/1/2022: PROOF OF PUBLICATION-NOTICE OF SALE: 6/14/2022: NOTICE OF FORECLOSURE SALE PURSUANT TO CHAPTER 45, 6/2/2022: FINAL JUDGMENT OF FORECLOSURE; SIGNED 5.26.22 - RECORDED (RECORD DATE: 6/1/2022 3:52 PM / INSTRUMENT #: 2963398 BOOK#:3316 PAGE#: 1941). 2023-02-24, Palm Beach County 15th Judicial Circuit Courts | Property | 5/27/2022: NOTICE OF SERVING FINAL JUDGMENT OF FORECLOSURE: 5/26/2022: FINAL JUDGMENT OF FORECLOSURE; SIGNED 5.26.22, 5/26/2022: COURT MINUTES -05.26.20 22 AT 9:00 AM ON MOTION FOR SUMMARY FINAL JUDGMENT OF FORECLOSURE AND FOR AWARD OF ATTORNEYS FEES AND COSTS. +1 212 922-6590, 200 Park Avenue, 7th Floor +1 617 420 7328, 135 Santilli Highway Also, these investors (which includes the Treasury Department and the Federal Reserve) paid for the transfer of mortgages to the trusts, yet they were never actually transferred. BNY Mellon is a leading global brand that helps issuers and investors Consider Everything throughout the securitization lifecycle. With a dedicated business presence on six continents and in 35 countries, BNY Mellon delivers global scale at the local level. More Information and Terms of Service apply. Miami, FL 33131, United States Find out the answers to these, and other pressing questions, in our exclusive report with Aite-Novarica. These are the discrepancies that I have been able to uncover. He believes thousands of homeowners could qualify to be part of the suit if it gets class-action status. Los Angeles, CA90071 United States. +1 646 791 3414, 200 Park Avenue +1 650 233 1200, Wealth Management Office This case was filed in Martin County Superior Courts, with METZGER, ELIZABETH A presiding. the defendant Sharry Sukhu to vacate the order dated December 2, 2010; and it is further. Need help with our products or services? Its a secret! summary judgment on the complaint, and the order dated July 12, 2011, denying the motion of On December 17, 2015, the court granted the plaintiff's motion, unopposed 2023 THE BANK OF NEW YORK MELLON CORPORATION, Governments, Sovereigns & Not-For-Profits. Filed under: CORRUPTION, discovery, Discovery -Subpoena, foreclosure, Free House, investment banking, Investor, legal standing, Servicer, sham transactions | Tagged: Anderson, Bank of New York Mellon, Bowman, Gill and Kadochnikov, Mark Anderson, McCabe, Shellpoint Mortgage Servicing, Shiryak, statute of limitations, Weisberg & Conway |. Charlotte, NC 28217, United States, 3333 Richmond Road, Suite 101 In their efforts to assure the sanctity of contract, judges are routinely delivering revenue not payment of a debt to the perpetrators of an illegal scheme labeled by lawyers as a foreclosure but which is not a foreclosure because foreclosures ONLY serve as remedies for restitution of an unpaid debt. date the action was commenced (see and others in and near the Bank Of New York, NJ area at Foreclosure.com. Seeing this I looked at the Minnesota notary standards, rules, and laws, it clearly states that a conflict of interest would disqualify a notary, business being one. Wilmington, DE 19809, United States 1980 Festival Plaza Drive The plaintiff commenced this action to foreclose a mortgage. affirmed insofar as reviewed; and it is further. Find out the answers to these, and other pressing questions, in our exclusive report with Aite-Novarica. plaintiff's motion. The defendant's contention that the plaintiff failed to demonstrate compliance with RPAPL represented by The Bank of New York Mellon foreclosures include $0 commercial REO, $0 multifamily REO, $0 farmland and agricultrual REO, and $0 in construction loan REOs. to CPLR 5015 (a) (3) to vacate the order dated December 2, 2010, granting the plaintiff's motion, Cancellation and Refund Policy, Privacy Policy, and Philadelphia, PA 19103, United States, BNY Mellon Center District Court of Appeal of Florida, First District. San Francisco, CA 94105, United States Chicago, IL 60606-6622, United States I can go on with the sob story but I will get with the facts. review those "matters which were the subject of contest" before the Supreme Court (James v 500 Grant Street But the address used is not to Bank of New York Mellon. Second the Good Faith Estimate was left without signatures. The Bank of New York Mellon Trust Company, N.A. Atlanta, GA 30327, United States Los Angeles, CA 90071, United States, 3000 Sand Hill Road, #3-290 v Arias, 121 AD3d 973 [2014]; U.S. Bank, N.A. According to the suit, A typewritten note on the right hand side of the document states: This Assignment of Mortgage was inadvertently not recorded prior to the Final Judgment of Foreclosure but is now being recorded to clear title., This admission confirms that the mortgage assignment was not made before the closing date of the trust, invalidating ownership. However, "POTUS" seems a woefully soft and inadequate word to describe the current occupant of the Oval Office. Deborah Ann Buczek replied on Tue, 11/29/2016 - 04:12. The lawsuit states that banks resorted to fake documents because they could not legally establish true ownership of the loans when trying to foreclose. Ordered that one bill of costs is awarded to the plaintiff. +1 617 722 7000, 135 Santilli Highway 2023 THE BANK OF NEW YORK MELLON CORPORATION, Governments, Sovereigns & Not-For-Profits, Learn how our clients make a difference in their communities through a trusted relationship with BNY Mellon. Can they foreclosure??? . How do you challenge illegal claims to administer, collect or enforce claims arising from transactions with homeowners? Search for a property listing. Did banks figure they simply had enough power over regulators, politicians and the courts to get away with it? Just use the simple form below to make a single direct donation. Trust Co. v Saketos, 158 AD3d 610, 612 [2018] [internal quotation marks To stop police terror, the national conversation now needs to evolve from more training to a fundamentally deeper form of accountability. The So as a drowning man grabbing at straws to have a fighting chance, I found that during the time of my refinance there were many nefarious actions taken by the banks,, including mine at the time. MONEY CHURNING MONEY LAUNDERING PARKING MONEY FLIPPING ASSETS PREDATORY FORECLOSURE https://www.bing.com/search?q=TRILLIONS%20LOOTED%20%20MONEY%20%20CHURNING%20%20%20%20MONEY%20%20LAUNDERING%20%20PARKING%20%20MONEY%20%20%20FLIPPING%20%20%20ASSETS&qs=n&form=QBRE&sp=-1&pq=trilliomoney%20churning%20money%20laundering%20parking%20money%20flipping%20assets&sc=0-68&sk=&cvid=13FF979445EE4823AD4ACF9B615CE4C0, Click to share on Facebook (Opens in new window), Click to share on Pinterest (Opens in new window), Click to share on WhatsApp (Opens in new window), Click to share on Skype (Opens in new window), Click to share on Twitter (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to email a link to a friend (Opens in new window), Click to share on Reddit (Opens in new window), Mission Statement and Introduction: SINGLE TRANSACTION, Americas biggest mortgage source is making it easier for millennials to buy their first home, CAUSES OF ACTION AGAINST ALL OR ANY DEFENDANTS, TITLE AGENT LIABILITY FOR ERRORS AND OMISSIONS AND TITLE INSURANCE, Trustees: Deed, Pool, Certificate-Holders, Substitutions and Beneficiaries, Narratives as background for argument or pleading, RECENT DEFENSIVE MOTIONS FILED BY LENDERS, MERS Mortgage Electronic Registration Systems, REGULATORY AGENCIES AND ACTIONS: FULL COURT PRESS, SEC Filings on securitized debt and mortgages, Lehman Aurora BNC First Alliance et al, Foreclosure Defense and Offense: The Evolving Mortgage Audit Process, New Workshop on Homeowner Rights and Strategies, Attorney Network Expands to Over 150 Lawyers in 37 States, The Evolving Mortgage Audit and Analysis Process, LAWYER-CLIENT JOB FAIR BY TELECONFERENCE ***SPREAD THE WORD***. Loan Servicing, LLC. 500 Grant Street 1. Georgetown Law professor Adam Levitin spelled this out in testimony before Congress in 2010: If mortgages were not properly transferred in the securitization process, then mortgage-backed securities would in fact not be backed by any mortgages whatsoever.. Anderson said his firm filed the suit now because of recent federal court rulings that he believes are favorable to holding to foreclosure firms, servicers and banks liable for violations of the act. Note - Mortgage and banking services are not available at this office. In these uncertain times, supply chain finance and digital networks are providing clients with much-needed support. Please check back again soon BANK OF NEW YORK MELLON TRUST COMPANY vs. MCMAHON, NANCY A, Bank Of New York Mellon Trust Company Na As Trustee For Mortgage Assets Management Series I Trust, Mcmahon Aka Nancy A Mc Mahon, Unknown Spouse Of Nancy A, The United States Of America On Behalf Of The Secretary Of Housing And Urban Development, Unknown Spouse Of Nancy A Mcmahon Aka Nancy A. Accessing Verdicts requires a change to your plan. We will email you this document within 4 business hours. She eventually examined tens of thousands of documents, enough to piece together the entire scheme. +1 617 420 7328, One Boston Place If a third party does not buy the property at auction, the bank buys back the home, and the property is on the banks books as a bank-owned REO property, according to RealtyTrac. Update: This story previously suggested that banks settled this lawsuit with the federal government for $1 billion. To find listings for bank-owned properties, enter your search area on Zillow, then click "Listing Type" and choose "Foreclosures" under the "For Sale" heading. plaintiff's motion, inter alia, for summary judgment on the complaint, and the order dated July AD3d 887 [2016]; Emigrant Bank v And the best part of all, documents in their CrowdSourced Library are FREE! The bank had $41.1 trillion in assets under custody as of the end of 2020. Natl. No. motion. If youd like to access verdicts right away, please enter your information below Your subscription has successfully been upgraded. New York, NY 10286 West Hartford, CT 06107, United States The suit further argued that the act of fabricating the assignments is evidence that the MBS Trust did not own the notes and/or the mortgage liens for some assets claimed to be in the pool.. United States On 12/16/2021 BANK OF NEW YORK MELLON TRUST COMPANY NA filed a Property - Foreclosure court case against THE UNKNOWN HEIRS IN THE ESTATE OF PATRICIA L MARTELI in Hillsborough County Courts. Bank Of New York Mellon (Trustee) and Certificateholders Cwalt Inc Alternative Loan Trust 2006 45t1, 16303 Silvergrove Drive, South Whittier / Sunshine Acres CDP, CA 90604 Find homes for sale, market statistics, foreclosures, property taxes, real estate news, agent reviews, condos, neighborhoods on Blockshopper.com Birmingham, AL 35203, United States, 333 South Hope Street, 25th Floor Greg Mitchells new, short documentary addresses the California campaign for governor in 1934, when the boundaries between politics and media first became blurred. 10th Floor (8th Floor) Rick D. DeBlasis Lerner, Sampson & Rothfuss 120 E. Fourth Street, 8th Floor Cincinnati, Ohio 45202 . Note - Full banking services are not available at this office. Bank of New York Mellon faces a reckoning from residential foreclosure cases in New York that date back to the subprime mortgage crisis. Your docket refresh request has been received. On 12/28/2021 BANK OF NEW YORK MELLON TRUST COMPANY NA AS TRUSTEE FOR MORTGAGE ASSETS MANAGEMENT SERIES I TRUST filed a Property - Foreclosure lawsuit against THE UNKNOWN HEIRS BENEFICIARIES DEVISEES GRANTEES ASSIGNEES LIENORS CREDITORS TRUSTEES AND ALL OTHERS WHO MAY CLAIM AN INTEREST IN THE ESTATE OF. Suite 305 +1 678 916 9376, 2 North LaSalle Street The case status is Pending - Other Pending. ), entered December 17, 2015, and (2) an order of the same court dated June 10, 2016. METZGER, ELIZABETH A respresented by Pro Se in the jurisdiction of Martin County, FL. The post above has been changed to reflect this fact. Industry Banking. standing. Are paper checks on their last legs? Bank of New York Mellon stealing residential properties. The plaintiff later moved, inter alia, for summary judgment on the complaint, to strike Naples, FL 34103, United States Indianapolis, IN46204, United States, One Boston Place Ordered that the order dated June 10, 2016, is affirmed insofar as appealed from; and it is Because they are trying to cover tracks of dirty deeds and can convince judges they lawfully own the home. 154 AD2d 433, 433-434 [1989]). Tampa, FL 33607, United States I sent out a QWR to the current bank that owns my loan, and they sent me all the information I requested. Are cryptocurrency payments more than a passing fad? 1. Powell, 19 NY2d 249, 256 n 3 [1967]; see HSBC Mtge. Boston, MA 02108-4408, United States Save thousands at closing with home . Boca Raton, FL 33431, United States granting the plaintiff's motion, inter alia, for summary judgment on the complaint. Contact our teams for questions about our company. The Company's segments include Securities Services, Market and . The Forum On 03/02/2021 BANK OF NEW YORK MELLON TRUST COMPANY NA filed a Property - Foreclosure lawsuit against MACPHERSON, RUTH L. This case was filed in Martin County - Nineteenth Judicial Circuit Court, Martin County Courthouse located in Martin, Florida. Many documents were forged (the suit provides evidence of the signature of one robo-signer, Linda Green, written eight different ways), some were signed by officers of companies that went bankrupt years earlier, and dozens of assignments listed as the owner of the loan Bogus Assignee for Intervening Assignments, clearly a template that was never changed. In 2011 Assignment of Deed of Trust shows Americas Wholesale Lender conveys property through MERS to Bank of New York Mellon. +1 800 441 9800, Wealth Management Office Alexander Hamilton, a founding father of the US and icon of the US $10 bill, helped establish in 1784. A newly unsealed lawsuit, which banks settled in 2012 for $95 million, actually offers a different reason, providing a key answer to one of the persistent riddles of the financial crisis and its aftermath. filing of the complaint (see Aurora Loan Lake Mary, FL 32746, United States 1201 Third Avenue The Bank of New York Mellon Trust Company 333 S Hope St Los Angeles, CA 90071 Status: Active. Dallas, TX 75201, United States. The Bank of New York Mellon Trust Company, NA, Suc Property class: 2-4 Family Sqft: 1,300 Assessed value: $41,340 Zoning: C4-1 Year built: 2005 Lot frontage: 36 Lot size: 0.078 Bank of New York Mellon generates revenue through investment services, as well as wealth and asset management. Zimmerman Law, P.C., Huntington Station, NY (Michael Zimmerman of counsel), for Most of official Washington, including President Obama, wants to wind down mortgage giants Fannie Mae and Freddie Mac, and return to a system where private lenders create securitization trusts, packaging pools of loans and selling them to investors. Philadelphia, PA 19103, United States, Center City Wealth Management Office Garden City, NY 11530, United States Ron Moore replied on Wed, 01/18/2017 - 12:46. The very same banks that created this criminal enterprise and legal quagmire would be in control again. For full print and download access, please subscribe at https://www.trellis.law/. Sav. [2003]). Fund Socy., FSB v Zimmerman, 157 AD3d 846 [2018]; Deutsche Bank Natl. 19th Floor This was all done to establish standing to foreclose in courts, which the banks otherwise could not. BNY Mellon offers a full range of project infrastructure solutions to help administer your debt, collateral and cash-flow activities throughout each phase of the project lifecycle. Are cryptocurrency payments more than a passing fad? Concentration: All Other Over 1 Billion: Established: 07/01/1981: FDIC Insurance: 07/01/1981: FDIC Cert: #23472: vacate the order and judgment of foreclosure and sale entered upon her default and, thereupon, to Oh lets open up a can of worms. filed a Foreclosure - (Property) case represented by Meisels, Jonathan against Mcmahon Aka Nancy A Mc Mahon, Unknown Spouse Of Nancy A et al. Activists have a name for this: securitization FAIL., One smoking gun piece of evidence in the lawsuit concerns a mortgage assignment dated Feb. 9, 2009, after the foreclosure of the mortgage in question was completed. You will lose the information in your envelope. To this day, banks foreclose on borrowers using fraudulent mortgage assignments, a legacy of failing to prosecute this conduct and instead letting banks pay a fine to settle it. No appeal lies from an order or judgment made upon the default of the appealing party 2029 Century Park East v Cox, 148 AD3d 962 [2017]; Deutsche Bank Natl. 2018) Annotate this Case Download PDF of 0 An error occurred while loading the PDF. Sav. Tyre Nichols wasnt killed because police werent trained enough. We noticed that you're using an AdBlocker. In these uncertain times, supply chain finance and digital networks are providing clients with much-needed support. Note - Banking services are not available at this office. However, Fannie Mae and Freddie Mac, the two government-backed institutions that buy mortgages from lenders such as this bank, sell bank-owned REO properties, states Fannie Mae. How about it Texas. motion which was for summary judgment on the complaint. 4901 Tamiami Trail North Court records for this case are available from Edgecomb Courthouse. Boston, MA 02108-4408, United States, One Boston Place 2022-09-15. Case opinion for NY Supreme Court BANK OF NEW YORK MELLON TRUST COMPANY v. Armand Retamozzo, nonparty-appellant.. Read the Court's full decision on FindLaw. The Bank of New York Mellon Corporation, commonly known as BNY Mellon, is an American investment banking services holding company headquartered in New York City.BNY Mellon was formed from the merger of The Bank of New York and the Mellon Financial Corporation in 2007. Was it just cheaper to mock up the documents than to provide the real ones? Give a reacurring monthly donation at any level. Wealth Management Office Wellesley, MA 02481, United States when new changes related to " are available. Ready to grow your business? 155 AD3d 968 [2017]; 40 BP, LLC Szymoniak stated in her lawsuit that, Defendants used fraudulent mortgage assignments to conceal that over 1400 MBS trusts, each with mortgages valued at over $1 billion, are missing critical documents, meaning that at least $1.4 trillion in mortgage-backed securities are, in fact, non-mortgage-backed securities. 1450 Brickell Avenue Oakbrook Terrace, IL 60181, United States, 55 Monument Circle The law awards consumers statutory damages of $1,000 per violation, attorneys fees and in some cases damages for proven emotional or physical harm. BNY Mellon Center 777 S. Flagler Drive v Collymore, 68 AD3d 752, 753-754 [2009]). 1 is identical and the other is clearly a different signature all together. inter alia, for summary judgment on the complaint. Thank you for your interest in BNY Mellon. Suite 300 JJ., concur. Twenty-eight banks, mortgage servicers and document processing companies are named in the lawsuit, including mega-banks like JPMorgan Chase, Wells Fargo, Citi and Bank of America. I am looking for advice for my current circumstances. The expenses of the case, previously borne by the government, now are borne by Szymoniak and her team, but the percentages of recovery funds are also higher. the defendant's answer, and for the appointment of a referee to determine the amount due. This prompted me to look through the documents that I have in my archive. The sooner everyone realizes that these foreclosures are merely schemes to generate revenue the closer we will come to justice. Global supply chains have faced significant challenges in recent years. Wilmington, DE 19809, United States Write a Review. Mark Anderson, an attorney at the Queens-based law firm Shiryak, Bowman, Anderson, Gill and Kadochnikov, which filed the case, said his firm noticed an uptick in foreclosure cases initially filed in the wake of the subprime crisis more than a decade ago and now being revived, despite the statute of limitations expiring. U.S. Bank N.A. Effective January 3, 2022, Bank Branch hours are 8:30a.m.4:00p.m., Monday Friday. Why would we return to this?. +1 516 302 4259, 200 Park Avenue, 54th Floor During the housing bubble, banks bought loans from originators, and then (in a process known as securitization) enacted a series of transactions that would eventually pool thousands of mortgages into bonds, sold all over the world to public pension funds, state and municipal governments and other investors. This specific lawsuit settled for $95 million. Corp. [USA] v MacPherson, 89 AD3d 1061 Now you can wear your support too! Sign up for updates from occupy.com. +1 954343 9101, 4655 Salisbury Road The plaintiffs argued that, considering that trustees and servicers had to spend lots of money forging and fabricating documents to establish ownership, they were materially harmed by the subsequent impaired value of the securities. Title I, Section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd- .
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