Thursday, April 24, 2014

Dodd-Frank Act Used In NY State Subprime Lender Lawsuit

President Obama Signs Finance Reform Bill Into Law

The Dodd-Frank Act, created in the wake of the Great Recession as means to curb the practices by financial corporations that led to the Great Recession in the first place, is now being used to go after an automotive lending company in New York for stealing from its customers.

The New York Times reports New York Superintendent of Financial Services Benjamin Lawsky filed a lawsuit in the U.S. District Court for the Southern District of New York against Long Island-based subprime auto lender Condor Capital Corporation for siphoning millions of dollars from its borrowers by way of shutting out borrowers once a loan had been repaid, preventing them from discovering if any excess funds were still in the account upon full repayment.

Further, Condor's method of storing personal account information left a lot to be desired, including unencrypted backup tapes sent to the home of the company's vice president and "stack of hundreds of hard-copy customer loan files lying around the commons areas" of the company's offices.

Upon the judge's decision, a temporary restraining order was issued against Condor, freezing all accounts and operations with the potential for Lawsky to recover the millions lost for his state's customers, or, should he move the lawsuit to federal court, do the same for all of Condor's customers in the 30 states where the lender does business.



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