Consumer Financial Protection Bureau: RESPA Video Replay–NYSBA CLE

TILA & the New Rules  Video Replay

Tuesday, February 16, 2016 

12:00 p.m. – 2:00 p.m.

  

 Online Video Replay

This program is a video replay of a previous live presentation.

Note: Newly admitted attorneys (less than 24 months) CANreceive MCLE credit for this video replay program.

*Please note this video replay is not included in the CLE Bundling Discount.

  

Including a Real Time Interactive Q&A Session with featured speaker Paul Bugoni from2:00 p.m. – 2:30 p.m.  

Please note: you may submit questions using the Q&A tab at any time during the Video Replay. 

  

2.0 MCLE Credits:  2.0 Professional Practice 

For more than 30 years, Federal law has required lenders to provide two different disclosure forms to consumers applying for a mortgage. The law also has generally required two different forms at or shortly before closing on the loan. As of October 3rd the Dodd-Frank Act has directed the Consumer Financial Protection Bureau to integrate the mortgage loan disclosures under TILA and RESPA sections 4 and 5. Join our expert speaker as he discusses every detail about what you need to be up to date on the forms and changes. 

  

Who Should Attend:  

Real Estate Attorneys. Attorneys who participate in closing and those who handle TILA and RESPA. 

Featured Speaker

Paul Bugoni, Vice President, Agency Underwriting Counsel & Agency Services Representative, Stewart Title Insurance Company, New York, NY

Learn More & Register Today!

NYSBA Member $75 

Non-Member $175

This program is offered for educational purposes only. The views and opinions of the faculty expressed during this program are those of the presenters and authors of the materials and not those of the New York State Bar Association.

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Apple Will Now Let You Trade In Your Broken iPhone | TIME

It previously only accepted devices with an intact screen and working buttons

(NEW YORK) — Apple for the first time is accepting banged up iPhones as a trade-in from those wanting to upgrade.

Until now, Apple offered credit to iPhone owners only if the device had an intact screen and working buttons. Apple hopes that with more leeway, applicable only to iPhone 5 and later models, more people will upgrade to new iPhones.

Read the entire article for details.

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UN Says WikiLeaks Founder Julian Assange Is ‘Arbitrarily Detained’ – CourtSide

A United Nations panel has issued an opinion declaring that WikiLeaks founder Julian Assange has been ‘arbitrarily detained’by the governments of Sweden and the United Kingdom for the past five years. The Human Rights Council‘s Working Group on Arbitrary Detention recommended Assange’s release, along with possible financial compensation, and you can read their full opinion below.

Lands and Forests Emergency, Proposed & Recently Adopted Regulations – NYS Dept. of Environmental Conservation

NYS DEC Accepting Comments on Proposed Changes to Conservation Easement Regulations

by Patricia Salkin

The NYS DEC will take comments through February 13, 2016 on proposed changes to the Conservation Easement Regulations – NYCRR Part 529. The purpose of the proposed new regulations is to provide standards and a procedure for DEC staff to utilize when modifying or extinguishing a conservation easement administered by the Department. The proposed new standards and procedures are as follows:

  1. a) The standards for the modification of a DEC conservation easement include:
  2. A modification of a DEC conservation easement, other than a modification to the stated purpose(s) as set forth in a DEC conservation easement, must not alter, and must be consistent with, the stated purpose(s) of the DEC conservation easement; and
  3. A modification of a DEC conservation easement must not affect the perpetual nature of the DEC conservation easement; and
  4. The modification must comply with all other existing policies, laws or regulations, including the specific requirements of the provisions of ECL section 49-0307, in effect at the time of the modification; and
  5. The proposed modification of a DEC conservation easement shall not result in any net loss of benefits to the state, as determined by the department in its sole discretion, including: consideration of any change in the level of public recreational opportunities or any change to the limitations or restrictions on the development, management or use of the property, or any other real property owned by or under the control of the grantor, for the purpose of preserving or maintaining the scenic, open, historic, archaeological, architectural, or natural condition, character, significance or amenities of the area where the property is located in a manner consistent with the public policy and purpose set forth in ECL section 49-0301.

(b) The standard for the modification of the purpose(s) or the extinguishment of a DEC conservation easement shall require a finding by the department that the DEC conservation easement can no longer substantially accomplish its original purpose(s) or any of the purposes set forth in the ECL section 49-0301.

Section 592.4 Procedures

The Department must comply with the following procedures for the modification or the extinguishment of a DEC conservation easement.

(a) Written notice to grantor and entities entitled to third party enforcement rights. The department must provide written notice of the proposed modification or extinguishment of a DEC conservation easement to the grantor and entities designated in the DEC conservation easement as having third party enforcement rights by certified mail, return receipt requested to the address on file with the department for the respective entities; and

(b) Public notice, comment period, non-adjudicatory hearing.

 

  1. Public Notice.
  2. For modification only of DEC conservation easement. The department must publish public notice in the ENB of the department’s intent to modify a DEC conservation easement including a general summary of the proposed modification(s) and the opportunity for the public to submit written public comments to the department. The public comment period shall begin on the date the notice of the public comment period appears in the ENB; or
  3. For modification to the purpose(s) or extinguishment of DEC conservation easement. The department must publish public notice of its intent to modify the purpose(s) or extinguish a DEC conservation easement in the State Register, the ENB and in a newspaper having a general circulation in the county where the property is located. The public notice shall include the facts supporting a finding that the DEC conservation easement can no longer substantially accomplish its original purpose(s) or any of the purposes set forth in the ECL section 49-0301 and the date of a non-adjudicatory hearing to be held at least thirty (30) calendar days after the date of the publication.
  4. Public comment period. The department must provide for a public comment period for thirty (30) calendar days to accept public comments related to the proposed modification to, or extinguishment of, a DEC conservation easement. The department may provide for the receipt of public comment through the use of meetings, exchanges of written material, or other means during the public comment period.
  5. Non-adjudicatory public hearing. For proposals which include the modification of the purpose(s) or extinguishment of a DEC conservation easement, the department must conduct a non-adjudicatory public hearing to be held during the public comment period to provide the public with an opportunity to be heard on the modification of the purpose(s) or the extinguishment of a DEC conservation easement.

(c) Commissioner’s determination only for modification to the purpose(s) or extinguishment of DEC conservation easement.

  1. For any proposed modification to the purpose(s) or the extinguishment of a DEC conservation easement, the Commissioner must make a written determination that the conservation easement can no longer substantially accomplish its original purposes. The proposed modificaton to the purpose(s) or extinguishment of a DEC conservation easement following closure of the public comment period, shall consider the following reasons in support of the determination: (1) why the DEC conservation easement can no longer substantially accomplish its original purpose(s) or any of the purposes set forth in ECL section 49-0301, and determine if it should therefore be extinguished or modified; (2) if modified, the proposed modification to the purpose(s) set forth in the DEC conservation easement will comply with the requirements of section 592.3 of this Part and be consistent with the policies and objectives set forth in ECL section 49-0301; and (3) if a DEC conservation easement is modified or extinguished pursuant to this Part, it shall be set forth in an instrument which complies with the requirements of ECL section 49-0305.
  2. The Commissioner must publish the determination and a summary of the determination in the ENB. The recording of a deed or other conveyance document in the county clerk’s office where the DEC conservation easement is located must be filed no earlier than one hundred twenty (120) calendar days after the notice of the Commissioner’s determination appears in the ENB.

Comments may be sent to:

Jim Sessions, Forester

Division of Lands and Forests

625 Broadway

Albany, NY 12233-4250

ConservationEasements@dec.ny.gov

 

For more information see: http://www.dec.ny.gov/regulations/2359.html

IRS Completes the “Dirty Dozen” Tax Scams for 2015

IRS Completes the “Dirty Dozen” Tax Scams for 2015

Identity theftphone scamsphishing and return preparer fraud: They are all on the IRS Dirty Dozen list of tax scams this year. Learn more about the Dirty Dozen in this YouTube video.

Review the details of each scam here.

Identity theftphone scamsphishing and return preparer fraud: They are all on the IRS Dirty Dozen list of tax scams this year. Learn more about the Dirty Dozen in this YouTube video.

Review the details of each scam here.

25 hidden iPhone features that are really, truly hidden | Fox News

By  Zach Epstein  Published January 22, 2016  BGR

***

Each of the tips that follow below, however, are completely hidden. There is no indication that these functions exist in iOS, and we guarantee that most users don’t know about them. In fact, we also guarantee that even the savviest iPhone owners among you will find at least one or two things you didn’t already know. In fact, ran this list past a friend who works at Apple and there were a few things that even he didn’t know.

***

Read entire list of 25 features here.

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NSA’s top hacking boss explains how to protect your network from his attack squads • The Register

28 Jan 2016 at 04:06, Iain Thomson

***

Usenix Enigma The United States National Security Agency (NSA) is a notoriously secretive organization, but the head of its elite Tailored Access Operations (TAO) hacking team has appeared at Usenix’s Enigma conference to tell the assembled security experts how to make his life difficult.

Rob Joyce has spent over a quarter of a century at No Such Agency and in 2013 he became head of TAO, with responsibility for breaking into non-US computer networks run by overseas companies and governments. Joyce’s presentation on network security at the event boiled down to one piece of advice.

“If you really want to protect your network you have to know your network, including all the devices and technology in it,” he said. “In many cases we know networks better than the people who designed and run them.”

***

Read entire article here.

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