Thursday, March 29, 2007

The Columbus House Delegation and Predatory Lenders

There's been some buzz about a couple of recent bits of output from Policy Matters. Well, more than a couple, they've had a tremendous flurry of visibility in the last six weeks, but I'm focusing on just two: Testimony before Congress on Payday Lending, and a report on the Foreclosure Crisis in Ohio. There's not much I'm going to say about these subjects that hasn't been said better elsewhere, but I tried to leave a comment at Plunderbund the other day that failed to actually post and I've decided to follow up here.

First - I've got plenty of bleeding-heart morality-based reasons to oppose predatory lending, and Modernesquire did a pretty good job of laying out the broader economic implications of the foreclosure crisis, but I keep coming back to the "innocent" victims of the neighborhood-level collapses. Even the people who can afford to pay their mortgages and taxes and handle their money responsibly lose tens of thousands of dollars as their property values disintegrate and they are left holding negative equity in their homes. If I were in that situation, I'd be livid.

Eric said we need a sherriff to clean up the Wild West of predatory mortgage lending, especially by the home builders who act as both seller and financer. The biggest part of my reply was about Central Ohio's Congressional Delegation. OpenSecrets.org publishes the top recipients of industry campaign contributions for all major industries. Here is the list of the top 10 U.S. House recipients of homebuilder money last cycle:

  1. Pryce, Deborah (R-OH)
    $72,650
  2. Pallone, Frank Jr (D-NJ)
    $63,500
  3. Pombo, Richard (R-CA)
    $58,728
  4. Kirk, Mark (R-IL)
    $55,300
  5. Shaw, E Clay Jr (R-FL)
    $46,024
  6. Bonilla, Henry (R-TX)
    $43,500
  7. Feeney, Tom (R-FL)
    $43,250
  8. Davis, Geoff (R-KY)
    $42,800
  9. Fitzpatrick, Michael G (R-PA)
    $42,424
  10. Tiberi, Patrick J (R-OH)
    $40,750
Of the 14 Political Action Committees that have the word "Mortgage" in their names and made contributions to at least one congressional candidate in 2006, 9 of them contributed money to Tiberi, Pryce, and/or Bob Ney. That's 64%.

Here are the top 10 U.S. House recipients of Finance/Credit companies in 2006:

  1. Pryce, Deborah (R-OH)
    $77,631
  2. Baker, Richard (R-LA)
    $72,750
  3. Boehner, John (R-OH)
    $69,500
  4. Kanjorski, Paul E (D-PA)
    $69,089
  5. Crowley, Joseph (D-NY)
    $62,000
  6. Castle, Michael N (R-DE)
    $61,766
  7. Bachus, Spencer (R-AL)
    $61,500
  8. Tiberi, Patrick J (R-OH)
    $60,050
  9. Matheson, Jim (D-UT)
    $59,250
  10. Hensarling, Jeb (R-TX)
    $57,183

The top 6 companies contributing to Tiberi in the 2006 cycle were:

1 Nationwide $23,600
2 American Electric Power $21,750
3 Altair Learning Management $21,500
4 Vorys, Sater et al $17,750
5 Buckeye Check Cashing $16,000
6 CheckSmart $14,000

Of course, CheckSmart and Buckeye Check Cashing represent the same set of executives, so really the combination of 5/6 is the single largest contributor ($30k last cycle) to Mr. Tiberi:

FRAUENBERG, JAMES H
DUBLIN,OH 43017
BUCKEYE CHECK CASHING INC./OWNER
6/27/2006
$2,000
Tiberi, Patrick J

FRAUENBERG, JAMIE MR
COLUMBUS,OH 43212
BUCKEYE CHECK CASHING INC./DISTRICT
6/30/2005
$2,000
Tiberi, Patrick J

FRAUENBERG, JAMIE MR
COLUMBUS,OH 43212
CHECK SMART/VP STORE OPERATIONS
6/9/2006
$2,000
Tiberi, Patrick J

LENHART, MICHAEL
DUBLIN,OH 43017
BUCKEYE CHECK CASHING/SEC'Y & TREAS
6/30/2005
$2,000
Tiberi, Patrick J

LENHART, MICHAEL MR JR
DUBLIN,OH 43017
CHECKSMART/EXECUTIVE
6/27/2006
$2,000
Tiberi, Patrick J

STREFF, CHAD
WESTERVILLE,OH 43082
BUCKEYE CHECK CASHING/EXECUTIVE
6/30/2005
$2,000
Tiberi, Patrick J

STREFF, CHAD
WESTERVILLE,OH 43082
CHECK SMART/EXECUTIVE
6/27/2006
$2,000
Tiberi, Patrick J

etc.
etc.
etc.

Franklin County has the largest number of Payday lenders in the state. Delaware County is the focus of recent news articles highlighting the increase in foreclosures. What are our congressional reps doing about it? They are taking dollar after dollar after dollar from the people responsible.

Monday, March 26, 2007

More Tiberi Watch

Pat continues to release obnoxious "news entries" on his congressional website. The two most recent deal with the budget process. Pat continues yelling for entitlement reform and spending cuts. Both of these things are easier said than done, as I'm sure Mr. Tiberi is aware of given 6 years of increased spending, one fiscally irresponsible Medicare overhaul, and one failed attempt at privatized Social Security that coincide with the time he has spent in office within the (one-party rule) federal government.

But what the hey, those issues are fair game, and we should be debating them. Of course, the intellectually insulting "reframing" of the estate tax and the expiration of W's tax cuts, the selective and misleading characterizations of changes in individual's tax obligations, etc., etc., aren't fair, but are expected. They are cheap talking points that do nothing to advance debate, but they have become ingrained in the Republican culture, and have been used in the past to great electoral success. So that's pure partisanship, and far be it from me to claim that there's no place for partisanship in the political process (of course, if one does say such a thing, one might want to be careful about using such boilerplate...). It doesn't stand out as spectacularly offensive or hypocritical. It does put me in a mood where the most positive tone I can muster is the one I'm currently using, but that's my problem.

What's not up on the site yet is news about the CARES Act. The American Society of Plastic Surgeons has put out a presser that describes the legislation, and specifically mentions that it was introduced by a bi-partisan team of McCarthy (D-New York) and Pat.

I haven't read the legislation yet, so any opinion I have on the bill is tentative, but it sounds like a good idea. I am surprised that a Market Republican, with a passion for entitlement reform, would be out in front of a piece of legislation like this, not just because of the content and the particular issue, but because of the philosophy behind such a legislative action. So I wrote a note to the Honorable Patrick Tiberi. It looks like this:

Mr. Tiberi,


The American Society of Plastic Surgeons has a press release stating that you are one of the two original sponsors of the CARES act, introduced today, mandating that health insurance companies cover reconstructive surgery for children who are born with (or develop) structural abnormalities). This is a very interesting piece of legislation, and based on the description, I would applaud you for introducing the bill.



I was, however, hoping that you could answer a few questions about the issue for me-



1) How extensive is Medicaid's current coverage of reconstructive surgery for children?



2) Given that this sounds a lot like mental health parity bills, like the one that recently passed here in Ohio, is Congress considering a federal mental health parity bill?



3) Do you support a specific mechanism that would allow currently uninsured children to have access to reconstructive surgery?



I understand that this is a very busy time for you, and I appreciate any response that you are able to make,



Sincerely,


(bonobo)


You don't have to be a congressman to comment on my letter, and I'll let you know if I hear anything back.

On Tour

Posting is likely to remain light for another week or so, but hopefully not to the extent of a 7 day silence like the one that just occurred. I've been in the midst of literally thousands of miles of in-state travel for work. I've been to Lima, Bellefontaine, Hamilton, Sandusky, Chillicothe, Lancaster, Waverly, Gallipolis, Canton, Youngstown, and Cambridge, and I've got upcoming trips to Dayton and Findlay, and it doesn't actually stop then.

By the time I get caught up with office stuff and plow through my reader, I've got no time left to comment. In this spare moment right now, I'll try a lightning round:

The search for Bexley's new City Councilmember is fully underway, and one of the things I love about on-line versions of newspapers is that they can do things like post all of the applicants' resumes online. I know very little about most of these folks, but in between Google and the posted info, I'd have to say Jed Morison is certainly a strong candidate.

A long, long time ago I fronted a band. "Fronted" seems to give me a bigger status than I truly merited, but words like "sang" and "vocals" grant me more musicianship than I truly merited, so it'll have to do. The real musicians switched off between bass and guitar, and included the person I've most frequently attached the label "best friend" to. We're not in touch as much these days, but I do know that his current band Humphry Clinker is getting positive press in the PD and the Free Times, and has upcoming shows in Cleveland (Agora and HOB) and Parma. You NEO folks should check them out.

My "lightning" reflexes have gotten slow these days, so I have to wrap up. I'm watching the budget, basketball, Jill vs. White Hat, and I expect I'll be tracking the fallout from the latest output from the NICHD's longitudinal child-care study.

Monday, March 19, 2007

Narcissistic and National, Bonobo Buckles

There are thousands of bloggers that give their opinion on national political issues. Because of this, I've always felt that there are going to be many other opinions that are more informed and at least as well reasoned as any I may have, and that distracting my readers with mine was a waste of their time. Furthermore, beginning with 1994, and intensifying in 2000, the Republican Party has spoken with a remarkably unified partisan voice on most national policy issues. Because of this, there was no point in doing or saying anything that might contradict a Democratic politician, because without control of at least one part of one branch of government, the questions were moot, and disagreement among Democrats led to Republican electoral victories. Finally, I wanted Blue Bexley to be a blog with a specialization, the go-to place for Bexley and the districts within which it sits. National and Statewide politics dilutes that focus.

More and more, however, local politics are playing a backseat to bigger changes that have come from a Democratic takeover of the Executive Branch in Columbus and the Legislative Branch in D.C., and both of these major changes are increasingly intertwined with the unnaturally early race for the Whitehouse in '08. I'm finding it difficult to remain selectively neutral. I've been afforded the opportunity to discuss Statewide Issues at Buckeye State Blog, for which I'm proud and grateful. As far as national issues go, I figure that it's only fair to put my background opinions out there, so that anyone can adjust for my biases. So I'll start with the biggie:


IRAQ.

Where I Stand --

Let's go back 4 years and some odd months. I sent out a letter to a listserv asking for comments, and the gist of the letter was this: Is it possible to enforce sanctions and keep inspectors on the ground without explicitly keeping the threat of force on the table? If Saddam does in fact have WMD, and has kept them by ignoring U.N. sanctions and thwarting U.N. enforcement, will the U.N. ever again be a viable entity for representing international will?

Now, one could make the argument, and do so convincingly, that ending up at the point where we were issuing an ultimatum of 'immediate unimpeded inspections or we go Shock and Awe on your ass' represented a stark failure of diplomacy, where we had painted ourselves into as much of a corner as we had forced Saddam into. Be that as it may, if I had been in Congress at the time, I would have voted to *authorize* force. That authorization was necessary at that point if one wanted to achieve the aim of thorough inspections and thorough compliance with U.N. resolutions. Remove the possibility of force and the inspectors would get kicked out again.

Of course, what followed was a betrayal of Congress, the American people, the United Nations, and everyone for whom the U.S. represented a moral beacon. Inspectors were on the ground. They had access to the exact sites that intelligence suggested might house WMDs. They were doing their job, and were confirming that, for whatever the rest of his serious flaws, Saddam had apparently complied with the letter of the resolutions requiring him to rid Iraq of WMDs and to shut down programs designed to create new ones. Our president then told the inspectors on the ground to leave Iraq, and commenced bombing. The worst of all possible outcomes had occurred. Instead of showing the world that you must comply with international consensus on issues such as WMD, or the international community will be forced to protect itself, what we did was show the world that you comply with U.N. sanctions at your own peril, as even if you unilaterally disarm, the United States will attack you anyway. There is nothing to be gained by complying, and you leave yourself defenseless to boot.

The United States had committed an unprovoked, immoral attack that significantly damaged 50 years of post-war efforts to create international oversight and cooperation. And by the U.S., I do not mean the Congress, Republican and Democratic, that gave the president the authorization to do so, but the President who abused our trust by acting in such an irresponsible and reprehensible matter.

The Troops.
We have an all-volunteer army. Implicit in the bargain when you sign on is that you might be sent to war, shredded by shrapnel, linger on in a hellish state for days or weeks, and then die. If you're not good with that, you shouldn't have joined. If you are good with that, then you certainly have my respect. I don't, however, think that being sent to Iraq makes you braver than being sent to Hackensack. And quite honestly, if you are injured or killed in the line of duty, well, that's an occupational hazard.

On the other hand, we have seen more than 100,000 innocent Iraqi civilians die as a result of our invasion. Many of the innocent deaths can be attributed to people who are not fighting on our behalf, but tens of thousands are our direct responsibility. Dying in a war is not an occupational hazard typically associated with being a farmer, a nurse, or an elementary school student. Those are the dead that I truly care about. Those are the deaths that leave black stains on our souls, not the soldiers and marines who die in the line of duty.

Of course, I spoke of a bargain. Anyone offering their life in service to their country has an absolute and universal right to expect that the sacrifices they make will be in service to the Flag, and for the Republic for Which it Stands. This is a matter of trust, and for our military to be effective, that trust has to be absolute. I do not expect active duty military to question the rightness of Operation Iraqi Freedom. That is not their job, and is at best dangerous to their own survival. As I said, they need to maintain absolute trust. We, as the American people, need to hold the Commander-in-Chief accountable for betraying that trust. Let me be absolutely clear on this - the troops who have died, the troops who have suffered unimaginably painful and debilitating injuries, did not do so for a mistake or for an immoral purpose. They did so honoring their pledge to protect America, they did it for a principle on which all of us rely.

And if my respect means that I have little sympathy for the casualties these men and women have suffered, I do harbor some incredible anger on their behalf. There is a bargain, at times implicit, at many other times explicit. We will not put them in harm's way when it is not necessary for the defense of the United States and our allies, they will be provided with the best possible support, in terms of personnel, intelligence, hardware, and health, we will not unduly damage their civilian lives in pursuit of military objectives, and we will take care of their needs in transitioning to civilian life when their service is done, by assisting in their medical care, education, employment, and housing.

Needless to say, we have fallen short on every single one of these promises. By we, I mainly mean the Executive Branch of the Federal Government, but I also mean We The People, who knew that this betrayal had been ongoing for years and still re-elected the Commander-In-Chief. If you seek a scapegoat, look about you.

So what now?
A war we shouldn't have started has turned into one we can't seem to finish. Lots of folks want to point fingers and demand a plan from someone else. Many others want to get the hell out, and others want to keep plugging away until we are victorious. Me? I think there's some catching up and consensus to achieve before we can do anything that might be productive.

1) Stop Blaming Congress for the AUMF. There's plenty to fault them for in the months prior to and following that vote, but as much as it pains me to say it, I think I've got HRC's back on this one to a certain extent.

2) Admit that using force in the manner we did was not only morally wrong, but strategically wrong and tactically wrong. Hold the administration accountable. Hold the supporters of the administration who did not begin to acknowledge this, at least as of the release of Duelfer Report, accountable as well.

3) Realize that we won the war. For everyone concerned about "admitting defeat," remember our stated objectives were regime change and the removal of WMDs. Saddam is dead and there are no WMDs. We have struggled with the somewhat cliched and even more ironic "Winning of the Peace," but in terms of our military objectives, those were actually done even before W did his little U.S.S. Lincoln showboating.

4) Realize that we should never have gone to war, that having gone to war we achieved our stated objectives but caused an even greater amount of unintended damage to our country, their country, the region, as well as to the international community in general, and that our current obligations are to get our military out and to do so with as little harm to innocent Iraqis as possible.

5) Start over. Mentally treat this as a civil war that we intervened in, rather than as the dynamic continuation of a war we started. Put options such as the Baker commission recommendations, phased redeployment, and partition on the table. Take permanent bases off of the table. Get a meaningful pulse of who in Iraq wants us to stay, who wants us to leave, and show that some respect.

6) Remember that our objectives our getting our troops out, and doing so with as little harm to the Iraqi public as possible. What if such a solution were to damage relationships with Turkey? With Saudi Arabia? With Israel? What if a stable Iraqi government is not a U.S. ally? What if regional power shifts even further to the Iranians?

Deal with it. Those are separate problems. There's no need to cause new problems recklessly, and ignoring future consequences is what got us into this mess, but there are some bridges that we'll just have to cross down the road.



So anyway, that's me on Iraq.

Thursday, March 15, 2007

This Episode Brought to you by the Letter 'B'

Yesterday, Blue Bexley missed out on the SOTS because Bonobo was out in Butler County for work. Today, Blue Bexley will most likely wait until late in the evening to weigh in on the Budget, which is today's Biggest news, Because Bonobo will be following BasketBall Brackets on the Best afternoon in sports. So:

1) Yesterday's speech was impressive, and it was a Big deal, But it was Basically a preface to the Budget, when the Guv puts our money where his mouth is. I would recommend OCSEA's Blog for Budget discussion/analysis, and I'm guessing that WLST and Pho will have must-read posts at some point.

UPDATE: Pho notes that the Budget Proposal is referred to as the Blue Book. How Jungian of me to dedicate this post to the letter B. An By the way, the Blue Book is up.

2) There is still time to join the totally free BuckeyeStateBracket. No money is involved, just Blogosphere Bragging rights. The Biggest reason to fill out a Bracket is so that you have at least a minimal Buy-In when you find yourself discussing the tournament. And you will find yourself in such a discussion. Remember, the Buckeyes play tonight.

To join in go to the game page (you'll need a free and easily obtained Yahoo ID if you don't have one), click join group, and join group# 42919, using the pa s sword 'bonobo'