for more we go to los angeles to speak to reporter david dayen,n, who broke this story for the intercepthe's also the author of the book, "chain of title: how three ordinary americans uncovered wall street's great foreclosure fraud." david, welcome back to democracy now! lay out what you found. explain what this memo shows. >> so this is a memo from deputies in the california attorney general's office, and it describes a year-long investigation that they conducted into onewest, finding well over 1000 violations of california's foreclosure process. california is a nonjudicial state. the courts are not involved in foreclosures. but there are precise steps that lenders are supposed to take when they foreclose on a home owner. onewest was found to have violated these. it was a somewhat limited investigation because onewest is a national bank, and states do not have the jurisdiction to do widespread investigation of them. but they found over 1000 violations just in this limited violation -- investigation. if they did file a civil enforcement action, there would be a discovery period where the