. >> fha said we have the expertise, and we work for you. trust us. >> reporter: that's not to say they have done nothing. they have added signage and traffic lines, but not enough for most. >> the rational assessment of intersection very well on a daily basis was that it's extremely dangerous. >> reporter: he says the community is open to other options, although a new signal is their goal, hoping the legacy of this deadly accident is a safer intersection. >> reporter: you can see the makeshift memorial there on river road for the three victims, in light of last week's crash. 15 elect odd officials from congress to the county level are now on board, recently signing a letter pushing the fha for more to be done at the intersection, and the agency has agreed to reevaluate the intersection. >> thank you, mola. >>> a knife was supposedly found on o.j. simpson's property. is it stunt. >>> if you enjoy a night cap this time of the year, bad news, horrible news yeah! ahh... you probably say it a million times a day. ahh... ahh! ahh...

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fha is projected to be a quarter million dollars over the three-year life of this provision. what are you going to do with this money, is it the right number? which is it? >> we've actual said between 2 and 4 basis points now, as a recognition of this figure that you cited. and so we're also aware of the usda's approach. it's a little bit of a different approach. and we did give thought to that. we actually believe that this -- and one of the reasons we pursued this is because we thought it might be more manageable to smaller lenders. as for what it would fund, this $30 million would fund investment in our i.t. and ensuring that our risk management is as strong as possible. so, you know, we're confident that this will help us be a stronger organization at fha, that it would directly relate to the ability to work with lenders effectively and help them understand how they stand in comparison to their peers. and this is i think the third year that we're asking for this. but during this time, we very much have reached out to the industry and worked with them in terms of taking su

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at fha we work to avoid foreclosure and help folks avoid foreclosure and we have revamped the distressed sales program to try to get more of those properties into the hands of nonprofits that are willing to work with residents to

it was really one of my first big jobs. 1164 units and we bought it from the fha for nothing and soldfor a lot of money. it is like if you are a baseball player and you get that first hit, or if you are a golfer. it gave me a great confidence and i have always loved this place. i just wanted to tell you that, folks. thank you, thank you. this all began very strongly in june. june 16, to be exact. i said to my wife, we have to do this. this is something we have to do. our country is being so badly led, led into this horrible deal with iran. this deal will repay $350 billion. we get nothing. we should have never started negotiating the deal until we got our prisoners back. [applause] they never once walked, did anything. constantly, you would see back in iran, people dancing in the streets before the deal was done. they are dancing, calling us all stupid. the deal was a joke. it was a joke. it was one of the worst negotiated transaction of any kind i have ever seen. they could have walked, they could have gone in and said before we start, we need our prisoners back. this would be 3.5, f

fha is projected to be a quarter million dollars over the three-year life of this provision.what are you going to do with this money, is it the right number? which is it? >> we've actual said between 2 and 4 basis points now, as a recognition of this figure that you cited. and so we're also aware of the usda's approach. it's a little bit of a different approach. and we did give thought to that. we actually believe that this -- and one of the reasons we pursued this is because we thought it might be more manageable to smaller lenders. as for what it would fund, this $30 million would fund investment in our i.t. and ensuring that our risk management is as strong as possible. so, you know, we're confident that this will help us be a stronger organization at fha, that it would directly relate to the ability to work with lenders effectively and help them understand how they stand in comparison to their peers. and this is i think the third year that we're asking for this. but during this time, we very much have reached out to the industry and worked with them in terms of taking sug

so, the nice thing about a reverse mortgage -- it's fha-insured. it's a non-recourse loan.r is never responsible, nor is the family, nor are the heirs, so no one is ever accountable for any harm or ding to their credit or any bill coming due in the mail at any time. that's the important thing. >> after the break, we've got an update on a couple we met a few weeks ago. they were stuck in what was called a zombie foreclosure -- one they thought was long dead but just keeps coming back. wait until you hear how it turned out. [ woman vocalizing ] at ally bank, no branches equals great rates. it's a fact. kind of like grandkids equals free tech support. oh, look at you, so great to see you! none of this works. come on in. the access informationlows us to from anywhere. the microsoft cloud allows us to scale up. microsoft cloud changes our world dramatically. it wasn't too long ago it would take two weeks to sequence and analyze a genome. now, we can do a hundred per day. with the microsoft cloud we don't have to build server rooms. we have instant scale. the microsoft cloud is h

so, the nice thing about a reverse mortgage -- it's fha-insured. it's a non-recourse loan.r is never responsible, nor is the family, nor are the heirs, so no one is ever accountable for any harm or ding to their credit or any bill coming due in the mail at any time. that's the important thing. >> after the break, we've got an update on a couple we met a few weeks ago. they were stuck in what was called a zombie foreclosure -- one they thought was long dead but just keeps coming back. wait until you hear how it turned out. [ woman vocalizing ] when you think about success, what does it look like? is it becoming a better professor by being a more adventurous student? is it one day giving your daughter the opportunity she deserves? is it finally witnessing all the artistic wonders of the natural world? whatever your definition of success is, helping you pursue it, is ours. t-i-a-a. [martha and mildred are good to. go. here's your invoice, ladies. a few stops later, and it looks like big ollie is on the mend. it might not seem that glamorous having an old pickup truck for an of

we bought it from the fha for like nothing. if you are ago for you sink the 1st 3-foot putt.ngly. june 16, to be exact. i said to my wife, we have to do this. this deal where we pay hundred $50 billion. negotiating the deal. [applause] they never once did anything you see the people. they are calling this all stupid. it was a joke. it was a joke. it was one of the worst negotiated transactions of any kind of ever seen. they could have gone in and said, before we start we need our presence back. three and a half four years ago, and they would've said no and then we get up and walk and go out and double of the sanctions and within 24 hours they call back say we are giving you back to prisoners. then we going to 2nd time. we are 19 trillion. we can't give you a under $50 billion back. can't do it. that tell the story. the most dishonest people on earth. so true. i look at this massive crowd in this big hangar. remember, we set this up 15 hours ago. and just look. this is a placea place i want to win. this is going to do it. ohio will make america great again. case it cannot make

. >> we hasas owth and it's t en fha wto be and do and we think we ca revigoratetehe b bndt ve ite more scessful with an credib s gh. so we're focusus osome secretive things we'reoing but wchge`ehetory at apee's and we think in the latter part of t yea real diffencon what coere. e'rereiacally focused onon doininthat while kng uthe eat momentum w%gve had at t >> inow ysts tget do at applebebeb and know e ite issuesut let ask you. i like ales. i food. i likeo have ar there.i'evegegded as beg anything other than a a etty odlaceo .is it ju thas too ma othepretty good places to go right now? >> think we just nd to b bolderthe y alou apebee'snd t this we do at alebee'we've en very suecsfulwe creed a wderful fountionallan the lalala couple of yeyes@s@s@we nd to really step put fromomllllhe her casual ders and grl d ana&!due our story and we thihihat we'ring ear secretetecret wink-wink nod-nod will maka diffce do you u visisippbee'---- will we coize frother the outsor ie?itoundsdlike there's something that could be going on in bothth rt >> i wou >> i would say that the rge ns thk you' rlly see

waia fha > d thenene veveveve "danciitththststs" reveal.l. who o twisting into times square this morning. any guesses? well, i'i' tell you, s's going to be dancing up atoto. >> i was r r r for her totgo like t ts. >> yeah. >>>>>>can pretty mucucgugus that. we mahave2beateteteat one. eah we7llnfirmation rht here. want t ight to the debatethgh, lastt nig for presidentnd the fiery rereblan debat marco bio, ted cruz both goi after the frononnner, dold trum fighting back- the questi, thgh, is it too te to stop him? leleo abc's s llamas in detroit with much more. hey, tomom >> reporte davod rning.g" there were sheated ehangng lastight, and there was a moment like nothing we have seen escribing it as increble, some as rilolo and oers as just plain gssss overninit, a aile-on of esti pportio.narururuenenng offffffit w w w bebe. rereed tmy handsdsif they'r'rsmall, something else muste all. i guarane yoe'e'e' problem. arartee you. >> reporter: the wild nigheven had a momeme of f n. that is not w wt you said in -- - >> donald, please, i know it's hard no

hultgren: that was an fha case. this is an ecola case. it's very different. very specific requirements we've got there. laid out housing, fair housing. i think you're extrapolating something we can't find rationale for. mr. cordray: they have been applied hand in for decades and they work together. mr. hultgren: the sense you have is you're pulling this out of nothing because there's an agenda. mr. cordray: again, we wouldn't be -- mr. hultgren: i want to ask you specifically about some concerns, privacy concerns, my colleague from georgia, mr. west moreland raised some issues of the amount of data that you already have specific data on individuals and all of us have concerns, federal government, i think, showing incredible weakness of being able to protect privacy of our citizens, i hear it all the time from them. the recently finalized rule is especially concerning to me because it looks like it's not enough. all the information that mr. westmoreland had listed off, item after item after item and now it looks like cfpb is looking for more private informatio

in fha we work in several different ways to help folks avoid foreseeable. -- foreclosure.e've tried to get those resources into the hands of communities to avoid foreclosures. they're several steps we're taking. in addition to that, let me just say we're very proud of the housing counseling that hud has done, that hud has funded. we're requesting $47 billion, which is what was appropriated last year. part of that is foreclosure counseling, to help avoid foreclosures. we're trying to address this in multiple ways. >> and i appreciate that. we're looking at those houses that, will gone. and for lack of a better term, they're bad bones. they need to be taken down. that's why hhs1'í and the hamp money that we got together. i was wondering if you're working in concert with secretary lu to get that money in communities that need it the most. >> to the extent that these communities request some sort of technical assistance, our folks of course are in communication with treasury. there are individuals communities that we've been working on together, sure. >> that would be gate. t

so, the nice thing about a reverse mortgage -- it's fha-insured. it's a non-recourse loan.r is never responsible, nor is the family, nor are the heirs, so no one is ever accountable for any harm or ding to their credit o coming due in the mail at any time. that's the important thing. >> after the break, we've got an update on a couple we met a few weeks ago. they were stuck in what was called a zombie foreclosure -- one they thought was long dead but just keeps coming back. wait until you hear how it turned out. [ woman vocalizing ] the pursuit of healthier. it begins from the second we're born. because, healthier doesn't happen all by itself. it needs to be earned every day. using wellness to keep away illness. and believing a single life can be made better by millions of others. as a health services and innovation company optum powers modern healthcare by connecting every part of it. so while the world keeps searching for healthier we're here to make healthier happen. ♪ >> welcome back. i'm bob massi, the property man. a few weeks ago, we met with mark and yessenia. they

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we had a lot of programs, but fha at that time. it helped a lot of people.e estimated a few years ago only 9% of the people in this country were at or near poverty level. that is a record of social revolution in this country. it didn't happen with socialism, fascism, or communism. it happened with good, solid democratic programs. we can be very proud of those. we went a little too far in some of those programs. we have to correct those. now you're talking about intrusion of government. there are areas where we have some very major differences. i spelled them out between myself and mr. hart a couple of days ago. e.r.a. he said he would use that -- and i'm for e.r.a. proud that ohio lead the way with that. he said e.r.a. -- he would use the power of the federal government to withhold projects -- sen. hart: no, i did not -- sen. glenn: yes, you did. i will read it to you. let me read it, if i have enough time. mr. chancellor: you can read it on the next turn around. sen. glenn: fine. but he said he would withhold federal projects. that is flat wrong. when you a

that's why, for example, fha last week moved to try and make clear that the credit box for mortgages should be eased some. i think on the small business side a lot of small businesses before the financial crisis got access to capital by having individuals really tap into their home equity. so it's a different question than what happens in the stock and bonds -- >> yes, my point is the regulations we're seeing on a lot of our community banks. last year, when we sat down and visited, you'd expressed that you hadn't really talked about this in terms of the fsoc. in fact, when we reviewed the minutes from 2010 to 2014, it had not been raised once. what is the threshold that has to be passed? what metrics have to be in place for to have those conversations take place at your level? >> look, i have had conversations with all of the prudential regulators about the need to use the flexibility that they have to not have a one size fits all approach. and i don't believe they have a one size fits all approach. they need to keep looking at what can they do to provide the kind of proper accommoda

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at fha we work to avoid foreclosure and help folks avoid foreclosure and we have revamped the distressed sales program to try to get more of those properties into the hands of nonprofits that are willing to work with residents to avoid foreclosure and mindful of the neighborhood impact when there is a foreclosed property. there several steps that we are taking. in addition that, let me say that we are proud of the housing counseling that hud has funded. we are requesting $47 billion. that was appropriated last year. part of that is foreclosure counseling. we are trying to address this in multiple ways. there is nothing to be recruited about it and that's why hhf and the money we got together, i wondered if you worked in concert to get that money into the communities that need it the most. >> well, to the extent that the communities request some sort of technical assistance and our folks necessary communication with treasury, but i can follow-up in terms of their individual communities that we have been working on together. sure. >> that would be great. thank you very much. >> thank you,

i know if you're getting these loans and using fha the government hit them with some fines.iming then. we rather take risk on our own. >> they're working with one of these consumer agencies that probably got a big settlement in this particular story we're talking about today. a group that has been very in front of consumers on this and they have really taken a lot of money from the banks. it is interesting, now they're in bed together. >> don't you guys think there is a big red flag should go off in your brain when you hear bernie sanders and hillary clinton say we'll stick it to the banks and wall street. where does the money end up? charles: dodd-frank hasn't helped. homeownership at all-time low in part because you can't get a loan. there are negative consequences, call them unintentional or not. intelligent people know this will happen but they do it for political reasons and idealogical reasons and i know they don't care about main street. maybe main street is learning that as well. you ladies look fantastic. i love the black and purple. eagles of death metal. jesse hug

fair housing act not ecoa and that decision rested primarily on the unique congressional history of fha, history that's plainly inapplicable to ecoa. i wonder if you could spell out the specific deal basis on which the cfpb is pursuing ecoa enforcement using disparate impact. >> i believe there was considerable hope among the industry that disparate impact would be disapproved by the supreme court and i understanding interesting news, we have a new supreme court nominee this morning. that was a challenge that was raised in the inclusive communities case you referenced and in fact the supreme court resoundingly upheld disparate -- >> that was an fha case, right? >> that is correct. >> this is an ecoa case, right? >> yes. >> very different, very -- >> no, i don't think so. >> it's very different. it's very specific -- i don't think so. >> requirements that we've got there. fair housing. i think you're extrapolating something we conditioned fient any rationale for it. >> the two laws have been applied hand in glove for decades. >> ecoa had kpeexemptions for t. >> you're pulling this out of

in fha we work in several different ways to help folks avoid foreclosure. we've tried to get those resources into the hands of communities to avoid foreclosures. they're several steps we're taking. in addition to that, let me just say we're very proud of the housing counseling that hud has done, that hud has funded. we're requesting $47 billion, which is what was appropriated last year. part of that is foreclosure counseling, to help avoid foreclosures. we're trying to address this in multiple ways. >> and i appreciate that. we're looking at those houses that are gone. and for lack of a better term, they're bad bones. they need to be taken down. that's why hhs and the hamp money that we got together. i was wondering if you're working in concert with secretary lu to get that money in communities that need it the most. >> to the extent that these communities request some sort of technical assistance, our folks of course are in communication with treasury. there are individuals communities that we've been working on together, sure. >> that would be gate. thank

that's why for example fha last week moved to try and make clear that the credit box for mortgages should be eased some. i think on the small business side a lot of small businesses before the financial crisis got access to capital by having individuals really tap into their home equity. so it's a different question than what happens in the stock and bonds -- >> yes, my point is the regulations we're seeing on a lot of our community banks ch. t last year when we sat down and visited you'd expressed that you hadn't really talked about this in terms of the fsoc. in fact, when we reviewed the minutes from 2010 to 2014, it had not been raised once. what is the threshold that has to be passed? what metrics have to be in place for to have those conversations take place at your level? >> look, i have had conversations with all of the prudential regulators about the need to use the flexibility that they have to not have a one size fits all approach. they need to keep looking at what can they do to provide the kind of proper accommodation to small institutions that don't present the kinds of risks

i want to turn your attention to your proposal to support the administrative support fee on the fha lendersgain. and i'm pleased to see it has a sunset clause this year. i have a few questions about how it's to be implemented. congress has rejected this proposal. so i'm not necessarily pleased

they go over with the people what the difficult financing available, how you qualify, how fha work, howook for something that you can't afford. >> sure. >> because then you're letting yourself down and sometimes what people do, steve, is they leverage themselves too much. the biggest thing that happened over the years that we have covered this, is we learned how few people had rainy day money. nobody had rainy day money. so when things went bad, everything went sideways because they wanted to get that loan and they sacrificed everything with no backup money. that's a major mistake that people made. >> great point. listen to this. tomorrow at 3:00 p.m. on the fox business network we'll run the entire season of "the property man" one episode after another. a bob massi marathon. happy easter. >> thank you. >>> this story is more incredible, a 5-year-old girl pulls her mother out of the pool and saves her life. that's right. >>> and isis claims it has sent hundreds to attack europe. our intel terror group on deck has ideas on how to prevent these kind of attacks. they're coming up next. i t