Arizona Republic: “New state licenses required for anyone handling a mortgage application could help prevent a repeat of the bad loans that contributed to Phoenix’s housing crash. . . . the law quietly went into affect on July 1. . . . Now, in Arizona, any person who handles a loan application [...]
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On July 29, 2010, the day that Arizona’s new law regulating foreclosure consultants (Senate Bill 1130) became effective, Arizona Attorney General Terry Goddard announced that he sued an Arizona company for “allegedly deceptive mortgage loan reduction services.” Under new Arizona Revised Statutes Section 44-1378, a foreclosure consultant is broadly defined, but includes [...] Arizona Republic: “Today is the day gun-rights advocates have had in their sights for a long time. Starting today, Arizona residents at least 21 years old can carry a concealed weapon without a permit.” See “Text of Arizona’s Concealed Weapon Law – SB 1108.” Arizona Republic: “Thousands of individuals who help arrange home loans are now barred from taking on new business. A new law that takes effect today [July 7, 2010] requires loan originators to be licensed by the state. That involves training, testing and background checks.” Arizona Republic: “The last of Arizona’s blue laws is going out with little objection as the deadline nears to legalize early Sunday morning alcohol sales . . . . When the legislation, which changes the 10 a.m. postponement of alcohol sales on Sundays to the regular daily 6 a.m. time, takes effect [...] The senate research staff of the Arizona legislature prepared an issue statement explaining Arizona’s homestead exemption. The exemption contained in Arizona Revised Statutes Section 33-1101.A which provides that: Any person the age of eighteen or over, married or single, who resides within the state may hold as a homestead exempt from attachment, [...] U.S. Attorney for Arizona Dennis Burke announced Thursday that 38 mortgage brokers and loan officers have been indicted this month on federal fraud charges. The indictments are part of new federal efforts to thwart mortgage fraud and unscrupulous modification and short sale schemes by mortgage brokers, loan officers and real estate [...] Here is the actual text of Arizona Senate Bill 1130 that regulates foreclosure consultants. The entire text below is new law. This new law is effective from and after July 29, 2010. Be it enacted by the Legislature of the State of Arizona: Section 1. Title 44, chapter 9, Arizona Revised Statutes, is amended by adding article 22, to read: ARTICLE 22. FORECLOSURE CONSULTANTS 44-1378. Definitions IN THIS ARTICLE, UNLESS THE CONTEXT OTHERWISE REQUIRES:
1. “COVERED SERVICE” INCLUDES:
(a) FINANCIAL COUNSELING, INCLUDING DEBT COUNSELING AND BUDGET COUNSELING TO ASSIST A HOMEOWNER IN CONNECTION WITH THE HOMEOWNER’S RESIDENCE IN FORECLOSURE.
(b) RECEIVING MONEY FOR THE PURPOSE OF DISTRIBUTING IT TO CREDITORS IN PAYMENT OR PARTIAL PAYMENT OF ANY OBLIGATION SECURED BY A MORTGAGE OR OTHER LIEN ON A RESIDENCE IN FORECLOSURE.
(c) CONTACTING A CREDITOR ON BEHALF OF A HOMEOWNER.
(d) ARRANGING OR ATTEMPTING TO ARRANGE AN EXTENSION OF THE PERIOD WITHIN WHICH A HOMEOWNER MAY CURE THE HOMEOWNER’S DEFAULT AND REINSTATE THE HOMEOWNER’S OBLIGATION PURSUANT TO A NOTE, MORTGAGE OR DEED OF TRUST.
(e) ARRANGING OR ATTEMPTING TO ARRANGE ANY DELAY OR POSTPONEMENT OF THE TIME OF A FORECLOSURE SALE.
(f) ADVISING THE FILING OF ANY DOCUMENT OR ASSISTING IN ANY MANNER IN THE PREPARATION OF ANY DOCUMENT FOR FILING WITH THE UNITED STATES BANKRUPTCY COURT.
(g) GIVING ANY ADVICE, EXPLANATION OR INSTRUCTION TO A HOMEOWNER THAT RELATES TO THE CURE OF A DEFAULT IN OR THE REINSTATEMENT OF AN OBLIGATION SECURED BY A MORTGAGE OR OTHER LIEN ON THE RESIDENCE IN FORECLOSURE, TO THE FULL SATISFACTION OF THE OBLIGATION OR TO THE POSTPONEMENT OR AVOIDANCE OF A FORECLOSURE SALE.
2. “FORECLOSURE CONSULTANT” MEANS A PERSON WHO, DIRECTLY OR INDIRECTLY, MAKES ANY SOLICITATION, REPRESENTATION OR OFFER TO A HOMEOWNER TO PERFORM FOR COMPENSATION OR WHO, FOR COMPENSATION, PERFORMS ANY COVERED SERVICE THAT THE PERSON REPRESENTS WILL DO ANY OF THE FOLLOWING: Continue reading Text of Arizona’s Foreclosure Consultant Regulation Law – SB 1130 Here is the actual text of Arizona Senate Bill 2242 that regulates reverse mortgages on Arizona real property. The entire text below is new law. This new law is effective from and after July 29, 2010. Section 1. Title 6, Arizona Revised Statutes, is amended by adding chapter 16, to read: CHAPTER 16 REVERSE MORTGAGES ARTICLE 1. GENERAL PROVISIONS 6-1601. Definitions
IN THIS CHAPTER, UNLESS THE CONTEXT OTHERWISE REQUIRES:
1. “AGREEMENT” MEANS THE DOCUMENT THAT ON EXECUTION OBLIGATES THE BORROWER AND ORIGINATOR UNDER THE REVERSE MORTGAGE.
2. “DWELLING” MEANS A RESIDENCE THAT IS DESIGNED PRINCIPALLY FOR AT LEAST ONE AND NOT MORE THAN FOUR FAMILIES IN WHICH THE BORROWER OCCUPIES AT LEAST ONE OF THE UNITS.
3. “HOUSING COUNSELING AGENCY” MEANS AN AGENCY THAT IS APPROVED BY THE UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT TO PROVIDE REVERSE MORTGAGE COUNSELING.
4. “ORIGINATOR” MEANS A PERSON WHO REGULARLY MAKES OR BROKERS REVERSE MORTGAGES, INCLUDING A CREDITOR OR BROKER.
5. “REVERSE MORTGAGE” MEANS A NONRECOURSE CONSUMER CREDIT OBLIGATION TO WHICH ALL OF THE FOLLOWING APPLY:
(a) A MORTGAGE, DEED OF TRUST OR EQUIVALENT CONSENSUAL SECURITY INTEREST SECURING ONE OR MORE ADVANCES IS CREATED IN THE BORROWER’S PRINCIPAL DWELLING.
(i) BASED ON THE EQUITY OR THE VALUE IN THE BORROWER’S OWNER OCCUPIED PRINCIPAL RESIDENCE.
(d) THE CONSUMER CREDIT OBLIGATION IS NOT A HOME EQUITY CONVERSION MORTGAGE INSURED BY THE FEDERAL HOUSING AUTHORITY. Continue reading Text of Arizona’s Reverse Mortgage Law – SB 2242 Professor Gabriel “Jack” Chin of the University of Arizona School of Law has prepare an annotated version of the full text of Arizona’s immigration law, SB 1070. the full text of SB 1070, The complete text of Senate Bill 1070 prepared by Professor Chin has been published by the Arizona Republic. Here are links [...] Here is the actual text of Arizona House Bill 2246 that allows Arizonans to sell, buy and use fireworks. Text that is in BLUE AND ALL CAPITALIZED is new text added by HB 2246 to existing Arizona statutes. Text that is in red and lined out is text of current law that is deleted by the new law. This new law is effective from and after November 30, 2010. The intent of the law appears to allow people to buy and use personal fun type fireworks, not explosive or rocket type fireworks. Note this provision in the new law:
Be it enacted by the Legislature of the State of Arizona: Section 1. Section 36-1601, Arizona Revised Statutes, is amended to read: 36-1601. Definitions In this article, unless the context otherwise requires: 1. “CONSUMER FIREWORK” MEANS SMALL FIREWORK DEVICES THAT CONTAIN RESTRICTED AMOUNTS OF PYROTECHNIC COMPOSITION DESIGNED PRIMARILY TO PRODUCE VISIBLE OR AUDIBLE EFFECTS BY COMBUSTION AND THAT COMPLY WITH THE CONSTRUCTION, CHEMICAL COMPOSITION AND LABELING REGULATIONS PRESCRIBED IN 49 CODE OF FEDERAL REGULATIONS PART 172 AND 173, REGULATIONS OF THE UNITED STATES CONSUMER PRODUCT SAFETY COMMISSION AS PRESCRIBED IN 16 CODE OF FEDERAL REGULATIONS PARTS 1500 AND 1507 AND THE AMERICAN PYROTECHNICS ASSOCIATION STANDARD 87-1, STANDARD FOR CONSTRUCTION AND APPROVAL FOR TRANSPORTATION OF FIREWORKS, NOVELTIES AND THEATRICAL PYROTECHNICS, DECEMBER 1, 2001 VERSION. Continue reading Actual Text of Arizona’s Fireworks Law – House Bill 2246 Here is the actual text of Arizona House Bill 2281, also known as the Arizona anti-ethnic studies law. Text that is in blue and all capitalized is new text added by HB 2281 to existing Arizona statutes. This new law is effective from and after December 31, 2010.
[...] Tax Foundation: “Arizona’s combined 7.92% sales tax is the 9th highest now, and if the rate goes up a point, it will become the 3rd highest.” Forbes: “It is insulting to assume minorities must be coddled with ethnic cheerleading as a substitute for knowledge. [Arizona Superintendent of Public Instruction Tom] Horne is quoted as saying that he opposes courses that ‘promote the overthrow of the U.S. government,’ teach that ‘Republicans hate Latinos,’ and generally incite ethnic division through [...] Arizona Governor Jan Brewer signed House Bill 2281, the so called anti-ethnic studies school law. The new law will become effective on December 31, 2010. The new law begins with this statement: “The legislature finds and declares that public school pupils should be taught to treat and value each other [...] Arizona Governor Jan Brewer’s summary of the 283 bills passed by the Arizona 2010 legislature and signed into law by the Governor. Arizona Business Gazette: “Gov. Jan Brewer has signed legislation to create Arizona’s first-ever oversight of reverse mortgages.” See the text of House Bill 2242, which will become law on July 29, 2010. After an investigation by the El Mirage police department the Maricopa County Attorney declined to charge nudist parents with a crime arising from their parading nude in their home in front of their children. Text of changes to Arizona Revised Statutes Sections 1-501 & 1-502 made by House Bill 2162 and new Sections 7, 8 & 9 of House Bill 2162 (effective July 29, 2010). Deletions to text made by HB 2162 are show in red text that is lined out and new language is this [...] Fox News: “After making national headlines for a new law on illegal immigrants, the Arizona Legislature sent Gov. Jan Brewer a bill Thursday [April 29, 2010] that would ban ethnic studies programs in the state that critics say currently advocate separatism and racial preferences.” Arizonans should be asking the question “Why does Arizona Attorney General Terry Goddard refuse to do his job and represent the State of Arizona in major litigation?” A story in the Arizona Republic, says: “Officials with Attorney General Terry Goddard’s office said Goddard, the state’s chief lawyer, likely would not defend the [...] University of Missouri-Kansas City law school professor Kris Kobach, wrote a column that is on the editorial page of the New York Times today. Professor Kobach was involved in drafting Arizona’s controversial new immigration law. He defends the law in his column. He says: “Presumably, the government lawyers who do [...] Text of New Arizona Revised Statutes Sections 23-212, 23-212.01, 23-214, 28-3511 and 41-1274 (effective July 29, 2010). This post does not contain the entire text of the new law. The entire law is contained in this part 4 and in: “Text of Arizona’s Anti-Illegal Immigration Law – Part 1” which contains the [...] Text of New Arizona Revised Statutes Sections 13-2319.E, 13-2928 and 13-2929 as revised by House Bill 2162 (effective July 29, 2010). Deletions to text made by HB 2162 are show in red text that is lined out and new language is this color and underlined. This post does not contain the entire [...] Bishop Gerald F. Kicanas, Bishop of the Catholic Diocese of Tucson said that he wants the U.S. Conference of Catholic Bishops to sue to overturn Arizona’s new anti-illegal immigrant law, aka Senate Bill 1070, the Support our Law Enforcement and Safe Neighborhoods Act. Text of New Arizona Revised Statutes Section 13-1509 as revised by House Bill 2162 (effective July 29, 2010). Deletions to text made by HB 2162 are show in red text that is lined out and new language is this color and underlined. This post does not contain the entire text of the [...] You wouldn’t know from following the main stream media such as the Arizona Republic, but “A new Rasmussen Reports telephone survey finds that 70% of likely voters in Arizona approve of the legislation, while just 23% oppose it.” There has been a great outcry in the press and on the internet about the terrible new anti-illegal immigrant law signed into law by Arizona Governor Jan Brewer on April 23, 2010. The sad reality is that very few people on both sides of the issue have actually read the new law, [...] Stewart Baker writes on The Volokh Conspiracy, “I finally had a chance to read Arizona’s new law on illegal immigration. It’s rather different from the press portrayal. . . . I want to start with the astonishingly vituperative attack by Cardinal Roger Mahony on what he calls “Arizona’s Dreadful Anti-Immigrant Law.” Arizona’s [...] Today, April 23, 2010, Arizona Governor Jan Brewer signed Senate Bill 1070 into law. The new law will take affect 90 days after the end of the current Arizona legislature’s session. See “Arizona governor signs immigration law; foes promise fight.” Here is the text of Governor Brewer’s April 23, 2010, press release about the new law: “Thank you for being here today, to join me as we take another step forward in protecting the state of Arizona. The bill I’m about to sign into law – Senate Bill 1070 – represents another tool for our state to use as we work to solve a crisis we did not create and the federal government has refused to fix …… The crisis caused by illegal immigration and Arizona’s porous border. This bill, the Support Our Law Enforcement and Safe Neighborhoods Act, strengthens the laws of our state. Continue reading Arizona Governor Jan Brewer Signs Anti-Illegal Immigrant Bill Into Law |
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