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The finance industry lost a bid yesterday to overturn an Oregon recording law blocking foreclosures in the state, a largely behind-the-scenes lobbying effort that grabbed the attention of The Wall Street Journal.

But the Oregon Legislature isn’t done weighing in on banks’ foreclosure processes.

Senate Bill 826: The Joint Subcommittee on Transportation and Economic Development heard testimony this morning on Senate Bill 826, which would allow the Oregon Department of Consumer and Business Services to closely regulate mortgage bankers.

Specifically, the bill would allow the agency to define and enforce improper and fraudulent business practices by loan servicers, according to a Senate staff summary of the bill.

As you know by now, the problems loan servicers have prolonged and complicated mortgage modifications, short sales and foreclosures. Many big banks in April signed a settlement agreement with the Office of the Comptroller of the Currency pledging to clean up these problems. Attorney Generals in 50 states are investigating the banks’ practices. 

Senate Bill 827, passed the Senate on May 25, gives Attorney General John Kroger’s office enforcement power over foreclosing parties that fail to give homeowners proper notice of a sale. Full Post…

In December 2010, the Seychelles’ National Bureau of Statistics issued a summary on an important phase of the Population and Housing Census exercise.

The National Bureau of Statistics (NBS) has stated that, after more than 1 year of preparation in terms of mapping, other technical processes and putting in place the required logistics, the main enumeration or actual ‘counting’ was undertaken between August 26 and August 30, 2010.

At the end of the main enumeration which covered the 3 main islands (Mahe, Praslin and La Digue) and satellite inner islands simultaneously, there were still a considerable number of households that had been missed out. Members of these households were either out of their homes when data collectors visited them or were overseas for a short length of time. Also, additional visits were required for households that had not cooperated with census officers at the 1st visit. The Bureau undertook a callback exercise on all households to enumerate the remaining population, which took more than a month.

According to the preliminary results published by the NBS, a total population count of 88,311 with the following gender composition (51.3%) males and (48.7%) females. An age group breakdown shows that 22.3% of the population are aged less than 15 years and 77.7% are aged 15 years and above.

Of the total population, the labour force stands at 50,923, which is 57.7%. Of th

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– The major U.S. index futures are pointing to a higher opening on Thursday, with sentiment suggesting a modest rebound following six straight sessions of gains. In key development, the U.S. jobless claims report showed an unexpected modest increase in claims, while the trade balance report showed an unexpected narrowing of the deficit. Central banks from New Zealand to the U.K. to the Eurozone announced pause decisions, reflecting concerns among policymakers over the moderation of global growth.

Commodities are seeing a mixed trend, while the dollar is firmer against the euro, the yen and the pound. Even if the oversold levels support some bargain hunting, there haven’t been any strong catalysts that could give the market a real lift.

Amid indecision and uncertainty, U.S. stocks moved in a lackadaisical fashion on Wednesday before closing moderately lower. The Dow Industrials and the S&P 500 Index moved back and forth across the unchanged line throughout the session, with the former closing down 21.87 points or 0.18 percent at 12,049, while the latter declined 5.3 points or 0.42 percent before ending at 1,280.

Meanwhile, the Nasdaq Composite Index remained below the unchanged throughout the session, closing down 26.18 points or 0.97 percent at 2,675.

Eighteen of the thirty Dow components closed lower, with Alcoa (AA), American Express (AXP), Caterpillar (CAT), Intel (INTC), DuPont (DD), Cisco Systems (CSCO) and American Express (AXP) among the worst decliners.

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Gains of more than 3% in market bellwethers Bank of America and Microsoft helped drive stock exchange traded funds higher Monday, while Treasury ETFs fell sharply as investors sold U.S. government debt.

SPDR S&P 500 ETF was up more than 1% in the final hour of trading as the bulls were firmly in control on Monday, albeit on light trading volume.

The S&P 500 has survived multiple tests of its 200-day moving average over the past week.

Bank of America shares rallied 3%, lifting financial ETFs on Monday after new capital rules for banks were unveiled over the weekend.

The Nasdaq-100 PowerShares QQQ jumped 2% as top holding Microsoft tacked on a nearly 5% gain in recent trading.

In bonds, Treasury ETFs traded lower as stocks rallied. The iShares Barclays 20+ Year Treasury Bond Fund shed more than 1%.

Currency markets were also in “risk-on” mode Monday as the euro strengthened against the dollar before an austerity vote in Greece.

Gold and silver ETFs were lower Monday while gold funds have dropped below a key technical indicator.

In industry news, a recent survey estimates ETF usage by investors will double by 2012.

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