10-04-12 Request Congressman Barney Frank - Chair, House Financial Services Committee - Inquiry On Office of Comptroller of The Currency DOJ-IG Re Bank of America

Dr Z
Joseph Zernik, PhD

PO Box 526, La Verne, CA 91750;
Fax: 323.488.9697; Email: jz12345@earthlink.net
Blog: http://inproperinla.blogspot.com/ Scribd: http://www.scribd.com/Human_Rights_Alert
10-04-12 Request Rep Barney Frank, Chair of House Financial Services Committee, to issue
inquiry on OCC and US DOJ IG re: Racketeering by BofA and Brian Moynihan.
Date: Mon, 12 Apr 2010 13:54:40 -0700

To: "Attention Rep Barney Frank- House Financial Services Committee"
<202.225.6952@metrofax.com>, "Attention Rep Barney Frank" <202.225.0182@metrofax.com>
From: joseph zernik <jz12345@earthlink.net>
Subject: Request for equal protection against alleged racketeering by BofA and Brian Moynihan
Cc: "Senator Feinstein- DC"<202-228-3954@metrofax.com>, "Senator Feinstein- SF"
<415.393.0710@metrofax.com>
April 12, 2010
Rep Braney Frank, Chair

House Financial Services Committee
By fax
The favor of a response within 10 days is requested
Dear Congressman Frank:
Your recent comments regarding BofA and Brian Moynihan were widely advertised by BofA. e.g.:
Frank: BofA CEO doing a very good job
http://www.charlotteobserver.com/2010/04/08/1365113/barney-frank-bank-of-america-
ceo.html#ixzz0kv3RLBJ0
In response, I request the help of your good offices, as Chairman of the US House of Representatives
Financial Services Committee, in the following two directly related matters:
1) I request your help in filing an inquiry on Mr John Dugan and Office of Comptroller of the Currency,
to join an inquiry already pending by the Hon Dianne Feinstein:
Why John Dugan and Office of Comptroller of the Currency would not respond on complaint
#1070442, against BofA and Brian Moynihan, where incontrovertible evidence was provided for
fraud by BofA and Brian Moynihan himself, and ongoing conduct that amounts to
racketeering?
2) I also request your help in filing an inquiry on Glenn A Fine, Inspector General of US Department of
Justice, to join an inquiry already pending by the Hon Dianne Feinstein:
Why Glenn A Fine and Office of Inspector General of the US Department of Justice would not
respond on complaint filed November 23, 2009, and again on December 2, 2009, alleging fraud
on US Congress by senior US Officers (a) Kenneth Kaiser - FBI Assistant Director for Criminal
Investigations, and (b) Kenneth Melson -then Director of US Attorneys Office, in responses
which the two senior US officers filed in August -September 2008 in on inquiries by the Hon
Dianne Feinstein, Senator, and the Hon Diane Watson, Congresswoman:
Page 2/17 April 12, 2010
Why US Department of Justice and FBI would not respond on requests for Equal Protection by
Dr Joseph Zernik, resident of Los Angeles County, California, who provided compelling
evidence of racketeering by Bank of America and others.
Additional information on these matter is provided below.
I also write to let you know that I would be glad to appear before your committee anytime, to provide
evidence, including unique collection of banking records, going all the way back to 2004, demonstrating
criminality in Countrywide and later in Bank of America, which was central to the current crisis, and
refusal of banking regulators to investigate complaints, which were filed starting January 2007
regarding such criminalities.
The reports and statement that are communicated by media from such agencies today, and likewise,
the reports communicated by US Congress as part of oversight on the matters, are so far removed
from reality, that one is left wondering if anybody in Washington DC considers such communications
credible.
It is indeed a sign of the times, when the only recourse left for a US citizen in a case of compelling
evidence of racketeering by large financial institutions, is through the 2010 Universal Periodic Review
by the United Nations of the Human Rights record of the United States.
Truly,
Joseph Zernik, PhD

http://inproperinla.blogspot.com/
http://human-rights-alert.blogspot.com/
http://www.scribd.com/Human_Rights_Alert
http://www.liveleak.com/user/jz12345
http://www.examiner.com/x-38742-LA-Business-Headlines-Examiner
Please sign our petition - Free Richard Fine: http://www.thepetitionsite.com/1/free-fine
Patriotic pics of Beyonce' Knowles, Sharon Stone, and Charlize Theron,
Coming soon- deep house music!
CC:
1) Basel Accords Committee
2) The Hon Dianne Feinstein, Senator
----------------
I. April 11, 2010 Press release

State Dept Input Asked on BofA, Brian Moynihan's Alleged Racketeering and US Failed Law
Enforcement
Los Angeles, April 11- as part of the process of preparing Human Rights Alert report to the United
Nations, due April 19, 2010, Dr Joseph Zernik, Los Angeles County, California resident, requested
input by the UPR (Universal Periodic Review) office of the US State Department regarding allegations
of racketeering by Brian Moynihan and Bank of America Corporation at the Los Angeles Superior
Court, and refusal of senior US Officers to enforce the law. [1] The allegations of racketeering was
based on false appearances of counsel who was not counsel of record on behalf of Bank of America
Corporation, under false party designation of Non Party. Such false appearances started over two and
a half years ago, and continue to this date, by Brian Cave, LLP. Further allegations listed in the request
stated that under such false appearances Bank of America engaged in retaliation, harassment and
intimidation of a witness, informant and victim, in obstruction and perversion of justice, and in money
laundering. The allegations stated that such conduct, which was initiated under Countrywide Financial
Corporation, was brought to a halt after the merger with Bank of America Corporation in July 2008,
during the tenure of Mr Timothy Mayopoulos as General Counsel. However, within 24 hours after Mr
Mayopouloss ouster on December 10, 2008, and his replacement by Mr Brian Moynihan, which was
subject of various investigations, such conduct was resumed. Further involvement by Mr Moynihan was
alleged in January 2010 fraud in response by Bank of America Corporation on complaint on the matter
to US Office of the Comptroller of the Currency (#00971981).
The request for input by the State Department provided a list of senior US Officers who were informed
Page 3/17 April 12, 2010
of the conduct of Bank of America Corporation but refused to enforce the law, including SEC Chair-
Mary Schapiro, Comptroller of the Currency John Dugan, FBI Assistant Director for Criminal
Investigations Kenneth Kaiser, and US Department of Justice Director Kenneth Melson.
Such conduct was alleged as part of pattern of abuse of the human rights of homeowners in courts
across the United States by large financial institutions in recent years, and direct evidence of disrespect
by the United States of its Human Rights obligations pursuant to ratified International Law.
Bank of America Corporation is recipient of some 200 billion dollars in bailout funds.
The 2010 UPR will be the first ever review by the United Nations of the Human Rights record of the
United States. The US State Department is charged with communications with the United Nations on
the matter.
LINKS
[1] April 10, 2010 request for comments/input by US State Department on allegations of racketeering
by Bank of America Corporation and Brian Moynihan in at the Los Angeles Superior Court, and refusal
of law enforcement agencies to enforce the law.
http://www.scribd.com/doc/29755324/10-04-10-Request-for-State-Department-Input-on-Alleged-
Racketeering-by-Bank-of-America-and-Brian-Moynihan
II. April 9, 2010, letter addressed to John Dugan, Comptroller of the Currency:
Bank of America Corporation (BAC), Case #00971981 and # 1070442 - fraud, as opined by fraud
expert and conduct by Countrywide Financial Corporation and BAC that amounted to alleged
racketeering, involving Brian Moynihan - BAC President.
Date: Fri, 09 Apr 2010 12:47:19 -0700

To: "John Dugan (OCC)" <john.dugan@occ.treas.gov>
Subject: Bank of America Corporation (BAC), Case #00971981 and # 1070442 -
fraud, as opined by fraud expert and conduct by Countrywide Financial Corporation
and BAC that amounted to alleged racketeering, involving Brian Moynihan - BAC
President.
Cc: "Schapiro, Mary L - SEC Chair" <SchapiroM@sec.gov>, "Eric M Thorson, US
Dept of Treasury-IG" <eric.m.thorson@treas.gov>, "Melson, Kenneth E."
<Ken.Melson@usdoj.gov>, "US DOJ-IG Glenn A Fine" <Glenn.A.Fine@usdoj.gov>,
"US DOJ-IG" <inspector.general@usdoj.gov>, "US DOJ-IG"
<oig.hotline@usdoj.gov>, "US Holder Eric" <eric.holder@usdoj.gov>, "US State
Department - UPR"<upr_info@state.gov>
April 9, 2010
John Dugan
US Comptroller of the Currency
By Email
The favor of a response within 10 days is requested.
RE: Bank of America Corporation (BAC), Comptroller of the Currency (OCC)

case #1070442 - alleged racketeering, involving Brian Moynihan - BAC
President, and failure of OCC to take action
Dear Comptroller of the Currency Dugan:
I am writing to inquire regarding the delays in response by the US Office of

Comptroller of the Currency (OCC) on the case referenced above, which provided
incontrovertible evidence of conduct by BAC and its President - Brian Moynihan,
amounting to racketeering at the courts in Los Angeles County, California. As part of
Page 4/17 April 12, 2010
such conduct Dr Zernik, who was not party to any foreclosure, bankruptcy or
mortgage default, was forced in 2007 to leave his home under threat of unlawful force.
His home was taken for private use with no compensation at all.
Conduct of US officers and US agencies in the case demonstrates disrespect for US

obligations pursuant to the Basel Accords on international banking and the Universal
Declaration on Human Rights, and false and deliberately misleading statements to US
Congress and the people regarding the nature of US Banking Regulation.
Brief Chronology:
In 2004 Countrywide Financial Corporation (CFC) and others initiated real estate
fraud against Dr Joseph Zernik and related mortgage fraud against the US
Government.
In January 2007 Dr Zernik uncovered the fraud, and filed his first complaint with FBI,
alleging large-scale fraud by CFV, through the funding of extremely unworthy,
government-back residential loans. Such allegations were later found out to be true,
with the collapse of CFC a year later. Dr Zernik predicted hundreds of billions in
liabilities to the US treasury, which turned out to be a good estimate. FBI refused to
investigate the complaint, it also refused to provide Dr Zernik Equal Protection.
By March 2007 - Dr Zernik exposed direct involvement in the fraud by senior CFC
management Angelo Mozilo and Sandor Samuels.
In June 2007 - CFC initiated retaliation through false appearances of Bryan Cave,
LLP in the Los Angeles Superior Court.
In November 2007 - Dr Joseph Zernik was forced to leave his residence, his property,
under unlawful threat of force. His property was taken for private use, and Dr Zernik
was never compensated one penny for the property, in which he had equity of close
to $1 millions. No bankruptcy, no foreclosure, and no mortgage default of any kind
were involved in the case.
In December 2007 - Attorney David Pasternak, personal friend of CFCs Sandor

Samuels and former President of the Los Angeles Bar Association, committed fraud in
conveyance of title on Dr Zerniks property, as opined by FBI veteran James Wedick,
fraud expert who had been decorated by US Congress, by US Attorney General, and
by FBI Director. [i]
In August 2008 - the Honorable Dianne Feinstein, Senator, and the Honorable Diane
Watson, Congresswoman file inquiries on FBI and US Department of Justice on
behalf of Dr Zernik Why FBI and US Department of Justice would not respond on Dr
Zerniks requests for Equal Protection under the law.
In August-September 2008 responses were provided to US Congress by Kenneth

Kaiser FBI Assistant Director for Criminal Investigations, and Kenneth Melson Director
of US Attorneys Office, which must be deemed fraud on US Congress. Such senior
US Officers claimed that the Dr Zernik was complaining about foreclosure procedures,
and that no evidence was ever provided by Dr Zernik of any specific violation of the
law. [ii]
In late September 2009 - Dr Zernik filed complaint with OCC against BAC
#00971981, regarding its involvement in such real estate fraud. Incontrovertible
evidence was presented for conduct of BAC, and CFC before it, which should be
deemed racketeering under the guise of litigation at the Los Angeles Superior Court,
through false appearances by false counsel Bryan Cave LLP, production of a large
volume of false banking records, filing of false motions for obstruction and perversion
of justice and for harassment, intimidation, and retaliation against a victim, informant,
Page 5/17 April 12, 2010
and witness. The case involved no foreclosure, no bankruptcy, and no default on a

mortgage of any kind. It is alleged as willful criminality by CFC and BAC,
On October 6, 2009 the complaint was forwarded to BAC. Dr Zernik was informed
that the bank was required to respond within 30 days, and that OCC would respond
within 60 days.
On November 23, 2009 and again on December 2, 2009 Dr Zernik filed complaint
with US Department of Justice Inspector General, Glenn A Fine, alleging fraud by
senior US Officers Kenneth Kaiser and Kenneth Melson, on the US Congress in their
responses to Senator Feinstein and Congresswoman Watson in August September
2008.
On January 8, 2010 after repeated escalations by OCC, Bank of America responded

with a letter from the office of Brian Moynihan, which failed to address the issued
raised in the complaint. [iii]
On January 12, 2010, prior to receipt of the January 8, 2010 letter, complaint was also
filed with SEC Chair, Mary Schapiro, alleging criminality by senior management at
Bank of America Corporation.[iv]
On January 15, 2010 letter was sent to Brian Moynihan, BAC President, pointing out
the deficiencies in his January 8, 2010 response to OCC. [v] The January 8, 2010
letter failed to address the alleged fraud in banking records that were produced by
Countrywide Financial Corporation, and later Bank of America Corporation. It also
failed to address the false appearances of Bryan Cave LLP, while not counsel of
record in the caption of Samaan v Zernik (SC087400), and conduct that amounted to
racketeering under such false appearances.
Also on January 15, 2010 a letter was sent to OCC objecting to BACs January 8,
2010 response letter as inadequate. [vi]
Additionally on January 15, 2010 the Honorable Dianne Feinstein, US Senator,

issued inquiry on OCC, on behalf of Dr Zernik Why OCC would not respond on the
complaint against BAC.. [vii]
On January 27, 2010 OCC provided its initial response on complaint #00971981.
Such response in its essence claimed that to the degree that the complaint alleged
civil fraud, OCC was not going to take any action, and to the degree that the complaint
alleged criminal fraud and various other criminalities, OCC was not going to take any
action either. [viii]
On February 2, 2010, appeal was filed with OCC regarding BACs inadequate
response on complaint #00971981, and acceptance of such response by OCC. [ix]
On February 3, 2010 Dr Zernik filed request with the Honorable Dianne Feinstein, US
Senator, for inquiry on Glenn A Fine, US Department of Justice Inspector General
Why he would not respond on complaints against Kenneth Kaiser and Kenneth
Melson for fraud on US Congress, in their responses to Senator Feinstein and
Congresswoman Watson in August September 2008.
On February 5, 2010, and again on March 6, and March 8, 2010, I sent letters to Brian
Moynihan, President, and to Ed OKeefe, General Counsel, requesting that they
inform the Audit Committee of BAC of fraud by management, pursuant to Sarbanes
Oxley Act (2002). [x] No response was received, and there is no evidence that I am
aware of, that such disclosure indeed took place in compliance with the law.
On February 26, 2010 Senator Feinsteins office issued letter re: Inquiry on Dr Zerniks
behalf on US Department of Justice Inspector General, Glenn A Fine.[xi]
Page 6/17 April 12, 2010
On March 4, 2010 Dr Zernik filed additional evidence with US Department of Justice

Inspector General regarding fraud by Kenneth Kaiser and Kenneth Melson in their
responses to US Congress on inquiries by Senator Feinstein and Congresswoman
Watson. [xii]
On March 6, 2010 addendum was filed with OCC to the appeal against BAC. [xiii] As
part of the appeal, evidence was provided to OCC of direct involvement of Brian
Moynihan, BAC President in alleged criminalities:
a) On December 10-11, 2008 - immediately upon his appointment as General

Counsel of Bank of America Corporation - following the ouster of Mr Timothy
Mayopoulos, which has been the subject of various investigations and court probes.
The evidence showed that Mr Mayopoulos brought the wrongdoing by Bryan Cave,
LLP at the Los Angeles Superior Court to a halt, but that such conduct was resumed
less than 24 hours after Mr Mayopoulos's replacement by Mr Moynihan as General
Counsel.
b) On January 8, 2010 - in false responses filed with OCC. The false response by
office of BAC President, Brian Moynihan, attempted to cover up his conduct in
December 2008, relative to false appearances of Bryan Cave, LLP, in what must be
deemed racketeering at the Los Angeles Superior Court.
On March 6, 2010, complaint was also filed ageist OCC with Treasury Inspector
General, Eric Thorson, for OCCs refusal to enforce the law on BAC. [xiv]
On March 6, 2010, complaint, including the same evidence against Brian Moynihan,
BAC president, was also filed with Mary Schapiro, SEC Chair. [xv]
On March 6, 2010, repeat complaint was filed with FBI, with a request to return to Dr
Zerniks possession his lawful property. [xvi]
On March 11, 2010 a letter was issued by the office of Senator Feinstein a follow up
indicating that it has not received response from OCC yet. [xvii]
BY APRIL 9, 2010 NO RESPONSE WAS RECEIVED FROM OCC ON CASE

#1070442, NO RESPONSE WAS RECEIVED ON THE COMPLAINTS DATED
NOVEMBER 23, 2009 and DECEMBER 2, 2009 TO US DEPARTMENT OF
JUSTICE INSPECTOR GENERAL.
Unified Front of US Agencies and Senior US Officers in Disregard of US

Obligations Pursuant to the Basel Accord and Universal Declaration of Human
Rights.
Bank of America Corporation is recipient of some $200 billions in bailout funds. US

Congress and others, at home and abroad, raised major concerns regarding integrity,
or lack thereof, in US banking regulation. In response to concerns regarding large-
scale fraud by financial institutions in the current crisis, US Congress also passed the
Fraud Enforcement and Recovery Act (2009). In parallel, OCC and other regulators
made promises to US Congress - to "shore up" the regulation of financial institutions.
[xviii]
However, the case at hand provides unique insights into the true nature of the current
crisis, and the true state of US banking regulation: Criminality by large financial
institutions, both against the US Treasury and also against individuals, and refusal of
US agencies to enforce the law. Beyond the fraud against the US Treasury, fraud by
CFC - today BAC's wholly owned subsidiary - against individuals has been
documented in courts across the US. [xix] Such conduct was brought to the attention
of senior US officers. Regardless, so far no US agency is willing to provide equal
Page 7/17 April 12, 2010
protection and to enforce the Rule of Law.
Such state of affairs must be deemed as reckless disregard of US government to its

obligations pursuant to the Basel Accords on international banking. It is also serious
disrespect by the US of its Human Rights obligations pursuant to the Universal
Declaration of Human Rights.
Request for Response by OCC on Case #1070442
I kingly request a response by OCC, indicating the projected time for OCC's
completion of investigation of case #1070442 against BAC and its president - Brian
Moynihan, referenced above, which alleged fraud, and various types of criminalities at
the courts, which must be deemed upon review as racketeering.
Truly,
Joseph Zernik, PhD

http://inproperinla.blogspot.com/
http://www.liveleak.com/user/jz12345
http://www.examiner.com/x-38742-LA-Business-Headlines-Examiner
Please sign our petition - Free Richard Fine: http://www.thepetitionsite.com/1/free-fine
Patriotic pics of Beyonce' Knowles, Sharon Stone, and Charlize Theron,
Coming soon- deep house music!
CC:
1. Senator Dianne Feinstein re: Inquiries on OCC and US DOJ-IG.
2. Senator Patrick Leahey sponsor of the Fraud Enforcement and Recovery Act
(2009).
3. Mary L Schapiro, SEC Chair as a complaint and repeat request for equal
protection.
4. Glenn A Fine, US Department of Justice Inspector General as a reminder of
complaint against Kaiser and Melson, which was never addressed.
5. Basel Accord Committee on international banking
6. United Nations - as part of report for the 2010 Universal Periodic Review (UPR)
of Human Rights in the US.
7. US State Department - UPR Office.
LINKS
[i] Opinion letter of highly decorated FBI veteran, fraud expert James Wedick,
regarding real estate fraud, conducted under the guise of litigation at the Los Angeles
Superior Court
http://www.scribd.com/doc/24991238/07-12-17-Samaan-v-Zernik-SC087400-David-
Pasternak-Grant-Deeds-opined-as-fraud-by-James-Wedick-ss
[ii] August-September 2008 Congressional Inquiries and responses by Kenneth

Kaiser and Kenneth Melson - senior US officers.
http://www.scribd.com/doc/29655101/08-09-08-Congresswoman-Watson-Senator-
Feinstein-Inquiries-on-FBI-and-US-Department-of-Justice-and-responses-by-FBI-
Kaiser-and-US-DOJ-Melson
[iii] January 8, 2010 Response by BAC and Brian Moynihan on OCC complaint
#00971981
http://www.scribd.com/doc/27932890/10-01-08-Bank-of-America-Response-letter-by-
office-of-President-CEO-Brian-Moynihan-to-Office-of-Comptroller-of-the-Currency-on-
Zernik-s-Complaint
Page 8/17 April 12, 2010
Zernik-s-Complaint-0
[iv] January 12, 2010 Correspondence with Mary L Schapiro in re: Alleged
racketeering by Bank of America Corporation and Brian Moynihan, its president:
http://www.scribd.com/doc/25145795/10-01-12-Bank-of-America-Correspondence-
with-Schapiro-SEC-Chair-Bailey-OCC-Deputy-Comptroller-Moynihan-BofA-President-
and-Basel-Accords-Com
[v] January 15, 2010 letter to BAC President Brian Moynihan regarding deficiencies in
his January 8, 2010 response to OCC:
http://www.scribd.com/doc/29648909/10-01-15-Bank-of-America-Response-to-
President-Moynihan-Letter-of-Jan-8-2010-re-OCC-complaint-00971981-s
[vi] January 15, 2010 letter to OCC regarding review standard in complaint against
BAC.
http://www.scribd.com/doc/25294161/10-01-15-Samaan-v-Zernik-SC087400-
Proposed-Review-Standard-for-Office-of-Controller-of-the-Currency-Review-of-
Complaint-against-Bank-of-Americas
[vii] January 15, 2010 letter from the office of Senator Feinstein, re: issuance of inquiry
on OCC:
http://www.scribd.com/doc/29647939/10-03-11-Bank-of-America-Senator-Dianne-
Feinstein-Follow-Up-with-US-Office-of-Comptroller-of-the-Currency-Re-Bank-of-
America-Corporation-s
[viii] January 27, 2010 response by OCC regarding complaint #00971981 against
Bank of America Corporation
http://www.scribd.com/doc/29649411/10-01-27-Bank-of-America-US-Office-of-
Comptroller-of-the-Currency-Response-in-Re-Complaint-00971981-s
[ix] February 2, 2010 - Appeal filed with OCC regarding complaint #00971981 against
Bank of America Corporation.
http://www.scribd.com/doc/29649904/10-02-02-Bank-of-America-Appeal-to-US-
Office-of-Comptroller-of-the-Currency-in-Complaint-00971981-s
[x] February 2, 2010, March 6, 2010, March 8, 2010 requests for disclosure to BAC
Audit Committee of fraud by management:
http://www.scribd.com/doc/26416550/10-02-05-Repeat-Request-for-Ed-O-Keefe-
General-Counsel-and-Brian-Moynihan-President-to-report-Sandor-Samuels-to-the-
Audit-Committee-for-fraud-by
http://www.scribd.com/doc/27937374/10-03-06-Bank-of-America-Requesting-
President-CEO-Brian-Moynihan-to-Disclose-His-Own-Fraud-to-the-Audit-Committee-s
http://www.scribd.com/doc/28012578/10-03-08-Addendum-to-Request-for-Brian-
Moynihan-s-Disclosure-to-Audit-Committee-of-Fraud-by-Management-s
[xi] February 26, 2010 Senator Feinsteins inquiry US Department of Justice Inspector
General, Glenn A Fine
http://www.scribd.com/doc/29659469/10-02-26-Senator-Feinstein-s-Inquiry-on-US-
Department-of-Justice-Inspector-General-Glenn-A-Fine-s
[xii] March 4, 2010 Additional evidence filed by Dr Zernik with US Department of

Justice Inspector General, of fraud on US Congress by Kenneth Kaiser (FBI) and
Kenneth Melson (US DOJ)
http://www.scribd.com/doc/29660111/10-03-04-Dr-Zernik-s-Clarifications-Filed-with-
Page 9/17 April 12, 2010
US-Department-of-Justice-Inspector-General-re-Complaint-against-Kenneth-Melson-
and-Kenneth-Kaiser
[xiii] March 6, 2010 Addendum to Appeal #1070442 to OCC against BAC providing
compelling evidence for involvement of Brian Moynihan in criminalities.
http://www.scribd.com/doc/29653627/10-03-06-Bank-of-America-Addendum-to-
Appeal-1070442-filed-with-Office-of-Comptroller-of-the-Currency-against-Brian-
Moynihan
[xiv] March 6, 2010 Complaint filed with Eric Thorson, Treasure Inspector General,
against OCC.
http://www.scribd.com/doc/29653428
[xv] March 6, 2010 Complaint alleging criminality by Brian Moynihan filed with SEC
Chair Mary Schapiro.
http://www.scribd.com/doc/29653973/10-03-06-Bank-of-America-Complaint-Filed-
With-SEC-Chair-Mary-Schapiro-against-Moynihan
[xvi] March 6, 2010 repeat complaint filed with FBI with a request to return to Dr
Zerniks possession his lawful property.
http://www.scribd.com/doc/29654590/10-03-06-Complaint-on-Real-Estate-Fraud-
Filed-with-FBI-Los-Angeles-s
[xvii] March 11, 2010 letter by office of Senator Feinstein, including February 1, 2010
letter by OCC.
http://www.scribd.com/doc/29647939/10-03-11-Senator-Dianne-Feinstein-Follow-Up-
with-US-Office-of-Comptroller-of-the-Currency-Re-Bank-of-America-Corporation-s
[xviii] February 23, 2009 joint statement issued by US agencies, promising to shore up
banking regulation.
http://inproperinla.com/09-02-23-regulators-pledge-to-shore-up-financial-system.pdf
[xix] Fraud by Countrywide Financial Corporation (CFC) under the guise of litigation
was documented in courts across the US. Regardless, US agencies refused to take
action. Sandor Samuels, former CFC Chief Legal Officer, who was responsible for
such conduct is today BACs Associate General Counsel, and the evidence in case at
hand documented that such litigation practices were adopted by BAC and Brian
Moynihan following the merger of CFC and BAC. The case of Parsley, below, also
includes a full year study by the US Trustee of litigation practices of CFC across the
US.
http://www.scribd.com/doc/25003494/08-01-08-Countrywide-Recreated-Letters-
Transcript-in-case-of-Borrower-Hill-Pittsburgh-PA-s
http://www.scribd.com/doc/25001966/08-03-05-Countrywide-Judge-Jeff-Bohm-s-
rebuke-of-litigation-practices-Case-of-Borrower-Parsley-Houston-Texas-Dkt-248-re-
Countrywide-s-false-ou
III. April 10, 2010, letter addressed to US State Department, and copied to banking regulators
and law enforcement agencies.
Request for Comments/Input by the US State Department in re: Human Rights Alert 2010 UPR
Report:
Addendum #1 - Bank of America and Brian Moynihan Beyond Financial Recklessness
Corruption of the Courts.
Date: Sat, 10 Apr 2010 14:19:18 -0700

To: upr_info@state.gov
Page 10/17 April 12, 2010
Subject: April 8, 2010 Request for Comments/Input by the US State Department in re:
Human Rights Alert 2010 UPR Report: Addendum #1 - Bank of America and Brian
Moynihan Beyond Financial Recklessness Corruption of the Courts. The favor of a
response is requested within 5 days.
Cc: "John Dugan (OCC)" <john.dugan@occ.treas.gov>, "Schapiro, Mary L - SEC
Chair" <SchapiroM@sec.gov>, "Kenneth Kaiser (FBI)" <ken.kaiser@fbi.gov>,
"Melson, Kenneth E." <Ken.Melson@usdoj.gov>, "Jon Leibowitz"
<Chairman@FTC.GOv>, "DOJ-IG" <202-514-4001@metrofax.com>,
Kotzd@sec.gov, "Eric M Thorson, US Dept of Treasury-IG"
<eric.m.thorson@treas.gov>, "Senator Leahy, DC" <202.225.0072@metrofax.com>,
"Senator Feinstein, DC"<202-228-3954@metrofax.com>, "Congresswoman Watson,
DC" < 202-225-2422@metrofax.com>
April 10, 2010
UPR Information Office

Department of State
United States of America
The favor of a response is requested within 5 days.
RE: April 8, 2010 Request for Comments/Input by the US State Department in

re: Human Rights Alert 2010 UPR Report: Addendum #1 - Bank of America and
Brian Moynihan Beyond Financial Recklessness Corruption of the Courts in
Los Angeles County, California.
Dear Sir/Madam:
Please accept the April 9, 2010 press release and the April 9, 2010 letter addressed
to John Dugan - US Comptroller of the Currency, copied below, as Addendum #1 to
April 8, 2010 request for comments/input by the US State Department in re: Human
Rights Alert 2010 UPR Report for the United Nations. Please notice that the deadline
for submission of the UPR reports to the United Nations is April 19, 2010. Therefore,
response is requested within 5 days.
The matter addressed in the press release and the letter to Comptroller of the
Currency Dugan is of financial nature. Initially, it may not be viewed by some as a
matter of Human Rights per se. However, review of the facts in the matter would
make any fair-minded person realize that it was indeed a compellingly documented
serious Human Rights abuse by the US.
The matter at hand is part of a pattern, which was noted in the draft April 8, 2010
Human Rights Alert report, which was previously forwarded to your office:
1. Ongoing, false imprisonment for over a decade of thousands of Rampart-FIPs
(Falsely Imprisoned Persons) in Los Angeles County, California (since before 1998).
2. False hospitalization in solitary confinement of 70 year-old, former US
prosecutor Richard Fine in Los Angeles County, California (since March 2009)
3. Alleged racketeering by Countrywide Financial Corporation (CFC) and Bank of
America Corporation (BAC) tolerated and patronized by banking regulators at the Los
Angeles, California courts (at least since 2007).
4. Alleged racketeering by judges tolerated and patronized by US Department of
Justice in Los Angeles County, California (at least since 1998).
5. Discrimination by the US Government against the region of Los Angeles County,
California (at least since ~1980)
Fraud in multiple levels is the hallmark of the case at hand, as opined by two
nationally acclaimed fraud experts. [i] , [ii] Suffice is to review the Register of Actions
(California civil docket) in the case, [iii] and notice that combined, BAC and CFC to
date, have appeared in the case for over two and a half years under the fraudulent
Page 11/17 April 12, 2010
party designation of "Non Party" through fraudulent appearances by counsel -

attorneys from Bryan Cave, LLP, who were not Counsel of Record in the caption in
question. Such false counsel was employed by CFC and BAC for alleged obstruction
and perversion of justice as well as retaliation, intimidation, and harassment of a
witness, informant, and victim, and monetary transactions, which upon review must be
deemed money laundering.
The case also provided unique evidence regarding the true nature of the economic/
financial crisis engulfing the US today, where FBI distinguished Los Angeles County,
California, already in the early 2000s as "the epicenter of the epidemic of real estate
and mortgage fraud". The alleged criminality in the case at hand was initiated by CFC
as early as 2004. Today CFC is a wholly owned subsidiary of BAC, and the case
credibly documented that following the US government chaperoned merger of the two
financial institutions, BAC adopted the alleged criminal practices of CFC.
Evidence of the routine abuse of the Human Rights of home owners by CFC under
the guise of court actions across the US is abundant. [iv] , [v] Moreover, conduct of
CFC, BAC, and Bryan Cave, LLP, was by no means unique. In the same case, a
number of financial institutions engaged in similar conduct. One examples, which was
viewed as flaunting of criminality by judges, attorneys, and financial institutions, were
the December 7, 2007 double false ex parte proceedings, in two different
courthouses, for an indemnity agreement for future criminality for Mara Escrow, a
subsidiary of Old Republic International. Such agreement, purported to be approved
by the Court, was required to conduce the escrow company to collude with the Court
in the real estate fraud. Such ex parte proceedings involved incognito appearance of
attorney from Buchalter Nemer for Mara Escrow. Neither the Court, nor the counsel
agreed to divulge his name or the name of his client. [vi]
The case at hand is unique, since it documented in great detail that senior US officers
in various agencies were fully informed of the alleged criminality in the case at hand,
some for over two years by now. BAC, and CFC before it, were and are permitted by
such senior US officers to continue to this date conduct that upon review must be
deemed as racketeering at the courts in Los Angeles County, California.
The Human Rights aspects of the case become even clearer, upon review of August
2008 letter by highly decorated FBI veteran, fraud expert James Wedick. [vii] The
letter in fact documented that FBI agreed with Mr Wedick already as early as August
2008 that Dr Zernik was a victim of real estate fraud at the Superior Court of
California, County of Los Angeles. However, on the very same date that Mr Wedick
wrote his letter to Dr Zernik, Mr Kaiser, Assistant Director of FBI for Criminal
Investigations, issued a letter to US Congress in the matter, which made opposite
statements. Mr Kaisers letter was alleged as fraud on US Congress. In short, FBI was
not ready, willing, able to protect residents of Los Angeles County against the alleged
widespread corruption of the judges of the Los Angeles courts. However, FBI and US
Department of Justice were ready, willing, able to provide US Congress with alleged
fraudulent responses on inquiries.
The Human Rights aspects of the case become even more alarming, when one
realizes that the Judge who engineered and orchestrated the bulk of the alleged
perversion of justice in this case at hand in collusion with CFC and BAC was
Jacqueline A Connor. Judge Connor was the central figure in the Rampart Corruption
scandal of the criminal justice system in Los Angeles County, California (1998-2000).
She is best remembered for derailing the First Rampart Trial (2000). Her conduct
during that period was central to the fact that thousands of Rampart-FIPs (Falsely
Imprisoned Persons) - the victims of the corruption - were left in prison to this date.
Such large-scale false imprisonments in Los Angeles County, California were
documented over the past decade, in official government reports, [viii] in independent
reports by notable legal scholars, [ix] and through credible and compelling
investigative media reports. [x] Such false imprisonments, almost exclusively of
Page 12/17 April 12, 2010
blacks and latinos, a third of whom were estimated to have been still juveniles at the
time, are no doubt a Human Rights violation of historic proportions. Regardless,
already a decade ago FBI and US Department of Justice were not ready, willing, able
to address alleged racketeering by the judges of the Los Angeles Superior Court. It is
only on such background that one can comprehend the conduct of Judge Connor in
the case at hand, where she flaunted her alleged criminality from the bench. FBIs and
US Department of Justice patronizing of her conduct was safe and secure.
In complaint that was filed with FBI and US Department of Justice in 2008, minimal
protection was requested - restoration of the fundamental Human Right to Access
Court Records - to inspect and to copy. Such right, and also the right to Notice and
Service of court minutes, rulings, orders, and judgments, have been disrespected by
the Los Angeles Superior Court for at least a decade. Access is denied to court
records even to parties in their own litigations. Again, FBI and US Department of
Justice were not ready, willing, able to provide protection and to enforce the Rule of
Law.
The case at hand is therefore important as detailed incontrovertible evidence to

support the claim of discrimination by the US against the region of Los Angeles
County, California, the most populous in the United States, with over 10 million
residents. The US abandoned the region at least a decade ago to alleged
racketeering by judges of the county court.
The list of senior US officers who were repeatedly informed in this matter included:
1) Kenneth Melson - then Director of the US Attorneys Office.
2) Kenneth Kaiser - Assistant Director of FBI for Criminal Investigations.
3) Jon Leibowitz , Chair, Office of Federal Trade Commission
4) Glenn A Fine - Inspector General, US Department of Justice
5) Mary L Schapiro - SEC Chair.
6) David Kotz - SEC Inspector General
7) John Dugan - Comptroller of the Currency
8) Eric Thorson - Inspector General, US Department of the Treasury
9) Various Officers at US Office of Thrift Supervision
Documented involvement in the case by such number of senior US officers, and in

particular the alleged fraud in responses to US Congress on the matter, provided
sufficient evidence to support the conclusion of disrespect by the US of its obligations
pursuant to the Basel Accords on international banking and pursuant to Human
Rights in ratified International Law.
It is on such background that the Human Rights Alert report finds compelling reasons
to recommend monitoring of the US justice system by the UN High Commissioner.
As part of such recommendation it would be envisioned that the US State Department
and the UN High Commissioner would enter continuous dialog from 1010 to 1014 (the
next scheduled UPR), jointly set goals and monitor progress.
On the positive side, one must not overlook the conduct of two elected US legislators,
the Honorable Dianne Feinstein, Senator, and the Honorable Diane Watson,
Congresswoman, who took actions to assist the victim, within the scope of their
authority, by filing inquiries on US agencies in the case.
I hope and expect to receive your input/comments on the matter as soon as possible,
so that they may be incorporated into the final Human Rights Alert report for the 2010
UPR of the United States.
Truly,
Joseph Zernik, PhD

Page 13/17 April 12, 2010
Human Rights Alert (HRA), NGO

CC:
1) Kenneth Melson - then Director of the US Attorneys Office.
2) Kenneth Kaiser - Assistant Director of FBI for Criminal Investigations.
3) Jon Leibowitz , Chair, Office of Federal Trade Commission
4) Glenn A Fine - Inspector General, US Department of Justice
5) Mary L Schapiro - SEC Chair.
6) David Kotz - SEC Inspector General
7) John Dugan - Comptroller of the Currency
8) Eric Thorson - Inspector General, US Department of the Treasury
9) The Hon Dianne Feinstein, Senator
10) The Hon Diane Watson, Congresswoman.
11) Basel Committee on International Banking
LINKS
Superior Court
[ii] Opinion letter of highly acclaimed fraud expert Robert Meister, regarding CFC
records in Samaan v Zernik (SC087400), and court paper filed analyzing the various
levels of fraud in Countrywides loan applications and their underwriting:
http://www.scribd.com/doc/29712839/04-09-07-Samaan-v-Zernik-SC087400-Opinion-
Letter-of-Robert-Meister-re-Fraud-in-Prequalificaion-Letter-s
http://www.scribd.com/doc/29714059/04-09-27-Opinion-Letter-by-Fraud-Expert-
Robert-Meister-re-Countrywide-Loan-Applications-Signature-s
http://www.scribd.com/doc/25695526/04-09-27-Samaan-v-Zernik-SC087400-Nivie-
Samaan-Fraudulent-loan-applications-as-filed-with-Countrywide-s
http://www.scribd.com/doc/29714470/04-10-26-Opinion-Letter-of-Fraud-Expert-
Robert-Meister-re-Countrywide-October-26-2004-Underwriting-Letter-Oct-26-s
[iii] January 7, 2010 Register of Actions (California civil docket) in Samaan v Zernik
(SC087400) with preface.
Register-of-Actions-California-civil-docket-With-a-Preface-s
[iv] Evidence for fraud by Countrywide Financial Corporation in the courts: Case of
Sharon Dianne Hill: 3 "Recreated Letters" and a transcript.
[v] Evidence for fraud by Countrywide Financial Corporation in the courts: Case of
William Alan Parsley: Memorandum Opinion by the Hon Jeff Bohm, US Judge. The
paper provided detailed description of the routine fraud in the courtroom by
Countrywide, through appearance of Counsel who was not Counsel of Record, with
no communications with client clause. The same routine was perpetrated in Samaan
v Zernik relative to employment of Bryan Cave, LLP. The paper also refers to a full
year study by the United States Trustee of the litigation practices of Countrywide
Financial Corporation in courts across the United States.
Page 14/17 April 12, 2010
[vi] December 7, 2007 two ex parte proceedings conducted in the same morning in
two different courthouses, for an indemnity agreement for future criminality by Mara
Escrow, a subsidiary of Old Republic International, represented in the proceedings,
incognito, by Buchalter Nemer:
http://www.scribd.com/doc/25692714/07-12-07-Samaan-v-Zernik-SC087400-LA-
Superior-Court-Pasternak-s-Ex-Parte-Application-for-Indemnity-Agreement-for-Mara-
Escrow-for-Gag-Orders-for-f
http://www.scribd.com/doc/25693519/07-12-07-Samaan-v-Zernik-SC087400-LA-
Superior-Court-Transcript-of-Attorney-Pasternak-s-Ex-Parte-Application-in-Judge-
Collins-court-as-received-fro
Transcript-of-Atty-Pasternak-s-Ex-Parte-proceeding-at-the-court-of-Judge-Hart-Cole-
Gag-Orders-Indemnity-Agreement
[vii] August 8, 2008 email note from Mr James Wedick regarding review of real estate
fraud perpetrated on Dr Zernik with FBI.
http://www.scribd.com/doc/29713733/08-08-21-Email-letter-by-highly-decorated-FBI-
veteran-James-Wedick-regarding-refusal-to-Investigate-FBI-to-provide-Dr-Zernik-
protection-against-real
[viii] Blue Ribbon Review Panel Report (2006)

http://www.scribd.com/doc/24902306/06-07-15-LAPD-s-Blue-Ribbon-Review-Panel-
Report-2006
[ix] Review by Prof Erwin Chemerinsky of the Rampart Scandal (2001).

http://www.scribd.com/doc/27433920/00-09-01-The-criminal-justice-system-of-Los-
Angeles-County-California-by-E-Chemerinsky-57-Guild-Prac-121-2000
[x] PBS Rampart False Imprisonments (2001)

http://www.scribd.com/doc/24901612/01-05-01-Rampart-FIPs-Rampart-First-Trial-
PBS-Frontline-Rampart-False-Imprisonments-s
Attached:
April 9, 2010 Press release and letter addressed to John Dugan - US

Comptroller of the Currency.
Bank of America and Brian Moynihan Beyond Financial Recklessness

Corruption of the Courts.
Los Angeles, April 9 - in letter to John Dugan, US Comptroller of the Currency, [1]
copied to Mary L Schapiro Chair of SEC, and Glenn A Fine Inspector General of US
Department of Justice, Dr Joseph Zernik, Los Angeles County, California resident,
request response on complaint against Bank of America Corporation and Brian
Moynihan alleging large-scale fraud on the US Government and conduct in at the Los
Angeles Superior Court, which upon review must be deemed racketeering.
The evidence in the case included opinion letter by FBI veteran, fraud expert who had
been decorated by US Congress, by US Attorney General, and by FBI Director.
The complaint alleged that Bank of America Corporation employed Brian Cave, LLP,
a large international law firm to engage in obstruction and perversion of justice, as well
as retaliation, harassment, and intimidation against a witness, informant, and victim at
Page 15/17 April 12, 2010
the Los Angeles Superior Court. Brian Cave, LLP engage in false appearances, filing
of false records, false motions and false declarations. Direct involvement of Brian
Moynihan in the case was initiated on December 10, 2008, when he was appointed
General Counsel of Bank of America Corporation, upon the ouster of Mr Timothy
Mayopoulos, which has been subject to investigation by US Congress, New York
Office of Attorney General, and the US Court.
Documents provided by Dr Zernik showed that Mr Mayopoulos brought the conduct of

Brian Cave, LLP to a halt following the take over of Countrywide Financial
Corporation, which initiated the case. However, within 24 hours after Brian
Moynihan's appointment as General Counsel, the conduct of Brian Cave, LLP,
alleged as racketeering, was resumed.
Additional involvement by Brian Moynihan was documented in a January 2010

response to US Office of the Comptroller of the Currency, which was alleged by Dr
Zernik as fraud in attempt to cover up Mr Moynihans conduct in December 2008.
Inquiries by US Congress were previously issued in late 2008 on FBI and US

Department of Justice. However, responses that were then provided by Kenneth
Kaiser, FBI Assistant Director for Criminal Investigation, and Kenneth Melson, Director
of US Attorneys Office, were alleged as fraud on US Congress, in a consequent
complaint filed with Glenn A Fine US Department of Justice Inspector General.
At present two inquiries on the matter are pending by US Senator, the Hon Dianne
Feinstein: One on US Office of the Comptroller of the Currency, and the other on US
Department of Justice Inspector General. Both offices so far failed to respond on the
inquiries.
Bank of America Corporation is recipient of some $200 billions in bailout funds.

General stockholders meeting is scheduled for April 28, 2010.
In a February 2009 joint statement US banking regulators, including Office of the

Controller of the Currency promised US Congress and the people to shore up banking
regulation.
Conduct of US officers and US agencies in the case demonstrates disrespect for US

obligations pursuant to the Basel Accords on international banking and the Universal
Declaration on Human Rights, and false and deliberately misleading statements to US
Congress and the people regarding the nature of US Banking Regulation and the
current crisis.
ATTACHED: LINKS
Superior Court
[ii] August-September 2008 Congressional Inquiries and responses by Kenneth

Kaiser and Kenneth Melson - senior US officers.
http://www.scribd.com/doc/29655101/08-09-08-Congresswoman-Watson-Senator-
Feinstein-Inquiries-on-FBI-and-US-Department-of-Justice-and-responses-by-FBI-
Kaiser-and-US-DOJ-Melson
[iii] January 8, 2010 Response by BAC and Brian Moynihan on OCC complaint
#00971981
Page 16/17 April 12, 2010
Zernik-s-Complaint
Zernik-s-Complaint-0
[iv] January 12, 2010 Correspondence with Mary L Schapiro in re: Alleged
racketeering by Bank of America Corporation and Brian Moynihan, its president:
http://www.scribd.com/doc/25145795/10-01-12-Bank-of-America-Correspondence-
with-Schapiro-SEC-Chair-Bailey-OCC-Deputy-Comptroller-Moynihan-BofA-President-
and-Basel-Accords-Com
[v] January 15, 2010 letter to BAC President Brian Moynihan regarding deficiencies in
his January 8, 2010 response to OCC:
http://www.scribd.com/doc/29648909/10-01-15-Bank-of-America-Response-to-
President-Moynihan-Letter-of-Jan-8-2010-re-OCC-complaint-00971981-s
[vi] January 15, 2010 letter to OCC regarding review standard in complaint against
BAC.
Proposed-Review-Standard-for-Office-of-Controller-of-the-Currency-Review-of-
Complaint-against-Bank-of-Americas
[vii] January 15, 2010 letter from the office of Senator Feinstein, re: issuance of inquiry
on OCC:
http://www.scribd.com/doc/29647939/10-03-11-Bank-of-America-Senator-Dianne-
Feinstein-Follow-Up-with-US-Office-of-Comptroller-of-the-Currency-Re-Bank-of-
America-Corporation-s
[viii] January 27, 2010 response by OCC regarding complaint #00971981 against
Bank of America Corporation
http://www.scribd.com/doc/29649411/10-01-27-Bank-of-America-US-Office-of-
Comptroller-of-the-Currency-Response-in-Re-Complaint-00971981-s
[ix] February 2, 2010 - Appeal filed with OCC regarding complaint #00971981 against
Bank of America Corporation.
http://www.scribd.com/doc/29649904/10-02-02-Bank-of-America-Appeal-to-US-
Office-of-Comptroller-of-the-Currency-in-Complaint-00971981-s
[x] February 2, 2010, March 6, 2010, March 8, 2010 requests for disclosure to BAC
Audit Committee of fraud by management:
http://www.scribd.com/doc/26416550/10-02-05-Repeat-Request-for-Ed-O-Keefe-
General-Counsel-and-Brian-Moynihan-President-to-report-Sandor-Samuels-to-the-
Audit-Committee-for-fraud-by
http://www.scribd.com/doc/27937374/10-03-06-Bank-of-America-Requesting-
President-CEO-Brian-Moynihan-to-Disclose-His-Own-Fraud-to-the-Audit-Committee-s
http://www.scribd.com/doc/28012578/10-03-08-Addendum-to-Request-for-Brian-
Moynihan-s-Disclosure-to-Audit-Committee-of-Fraud-by-Management-s
[xi] February 26, 2010 Senator Feinsteins inquiry US Department of Justice Inspector
General, Glenn A Fine
http://www.scribd.com/doc/29659469/10-02-26-Senator-Feinstein-s-Inquiry-on-US-
Department-of-Justice-Inspector-General-Glenn-A-Fine-s
[xii] March 4, 2010 Additional evidence filed by Dr Zernik with US Department of

Justice Inspector General, of fraud on US Congress by Kenneth Kaiser (FBI) and
Kenneth Melson (US DOJ)
Page 17/17 April 12, 2010
http://www.scribd.com/doc/29660111/10-03-04-Dr-Zernik-s-Clarifications-Filed-with-
US-Department-of-Justice-Inspector-General-re-Complaint-against-Kenneth-Melson-
and-Kenneth-Kaiser
[xiii] March 6, 2010 Addendum to Appeal #1070442 to OCC against BAC providing
compelling evidence for involvement of Brian Moynihan in criminalities.
http://www.scribd.com/doc/29653627/10-03-06-Bank-of-America-Addendum-to-
Appeal-1070442-filed-with-Office-of-Comptroller-of-the-Currency-against-Brian-
Moynihan
[xiv] March 6, 2010 Complaint filed with Eric Thorson, Treasure Inspector General,
against OCC.
http://www.scribd.com/doc/29653428
[xv] March 6, 2010 Complaint alleging criminality by Brian Moynihan filed with SEC
Chair Mary Schapiro.
http://www.scribd.com/doc/29653973/10-03-06-Bank-of-America-Complaint-Filed-
With-SEC-Chair-Mary-Schapiro-against-Moynihan
[xvi] March 6, 2010 repeat complaint filed with FBI with a request to return to Dr
Zerniks possession his lawful property.
http://www.scribd.com/doc/29654590/10-03-06-Complaint-on-Real-Estate-Fraud-
Filed-with-FBI-Los-Angeles-s
[xvii] March 11, 2010 letter by office of Senator Feinstein, including February 1, 2010
letter by OCC.
http://www.scribd.com/doc/29647939/10-03-11-Senator-Dianne-Feinstein-Follow-Up-
with-US-Office-of-Comptroller-of-the-Currency-Re-Bank-of-America-Corporation-s
[xviii] February 23, 2009 joint statement issued by US agencies, promising to shore up
banking regulation.
http://inproperinla.com/09-02-23-regulators-pledge-to-shore-up-financial-system.pdf
[xix] Fraud by Countrywide Financial Corporation (CFC) under the guise of litigation
was documented in courts across the US. Regardless, US agencies refused to take
action. Sandor Samuels, former CFC Chief Legal Officer, who was responsible for
such conduct is today BACs Associate General Counsel, and the evidence in case at
hand documented that such litigation practices were adopted by BAC and Brian
Moynihan following the merger of CFC and BAC. The case of Parsley, below, also
includes a full year study by the US Trustee of litigation practices of CFC across the
US.

10-04-12 Request Congressman Barney Frank - Chair, House Financial Services Committee - Inquiry On Office of Comptroller of The Currency DOJ-IG Re Bank of America

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

10-04-12 Request Congressman Barney Frank - Chair, House Financial Services Committee - Inquiry On Office of Comptroller of The Currency DOJ-IG Re Bank of America

Uploaded by

Copyright:

Available Formats

Dr Z

Joseph Zernik, PhD

Date: Mon, 12 Apr 2010 13:54:40 -0700

April 12, 2010

Rep Braney Frank, Chair

The favor of a response within 10 days is requested

Dear Congressman Frank:

Additional information on these matter is provided below.

Joseph Zernik, PhD

I. April 11, 2010 Press release

Date: Fri, 09 Apr 2010 12:47:19 -0700

The favor of a response within 10 days is requested.

RE: Bank of America Corporation (BAC), Comptroller of the Currency (OCC)

Dear Comptroller of the Currency Dugan:

I am writing to inquire regarding the delays in response by the US Office of

Conduct of US officers and US agencies in the case demonstrates disrespect for US

In December 2007 - Attorney David Pasternak, personal friend of CFCs Sandor

In August-September 2008 responses were provided to US Congress by Kenneth

and witness. The case involved no foreclosure, no bankruptcy, and no default on a

On January 8, 2010 after repeated escalations by OCC, Bank of America responded

Additionally on January 15, 2010 the Honorable Dianne Feinstein, US Senator,

On March 4, 2010 Dr Zernik filed additional evidence with US Department of Justice

a) On December 10-11, 2008 - immediately upon his appointment as General

BY APRIL 9, 2010 NO RESPONSE WAS RECEIVED FROM OCC ON CASE

Unified Front of US Agencies and Senior US Officers in Disregard of US

Bank of America Corporation is recipient of some $200 billions in bailout funds. US

protection and to enforce the Rule of Law.

Such state of affairs must be deemed as reckless disregard of US government to its

Request for Response by OCC on Case #1070442

Joseph Zernik, PhD

[ii] August-September 2008 Congressional Inquiries and responses by Kenneth

[xii] March 4, 2010 Additional evidence filed by Dr Zernik with US Department of

Date: Sat, 10 Apr 2010 14:19:18 -0700

April 10, 2010

UPR Information Office

The favor of a response is requested within 5 days.

RE: April 8, 2010 Request for Comments/Input by the US State Department in

party designation of "Non Party" through fraudulent appearances by counsel -

The case at hand is therefore important as detailed incontrovertible evidence to

Documented involvement in the case by such number of senior US officers, and in

Joseph Zernik, PhD

Human Rights Alert (HRA), NGO

[viii] Blue Ribbon Review Panel Report (2006)

[ix] Review by Prof Erwin Chemerinsky of the Rampart Scandal (2001).

[x] PBS Rampart False Imprisonments (2001)

April 9, 2010 Press release and letter addressed to John Dugan - US

Bank of America and Brian Moynihan Beyond Financial Recklessness

Documents provided by Dr Zernik showed that Mr Mayopoulos brought the conduct of

Additional involvement by Brian Moynihan was documented in a January 2010

Inquiries by US Congress were previously issued in late 2008 on FBI and US

Bank of America Corporation is recipient of some $200 billions in bailout funds.

In a February 2009 joint statement US banking regulators, including Office of the

Conduct of US officers and US agencies in the case demonstrates disrespect for US

[ii] August-September 2008 Congressional Inquiries and responses by Kenneth

[xii] March 4, 2010 Additional evidence filed by Dr Zernik with US Department of

You might also like