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Author: TOUCH FM, KingCast
Description:
Concerning the ongoing saga of what appears to be patent racism and discrimination by Martha Coakley’s Massachusetts Division of Banks against Cat Gibbons, one of only 3 black female mortgage brokers in Massachusetts:
Mass Division of Banks (DOB) Hearing Officer Neil Tobin actually wrote Cat Gibbons that he would not even ask for -- much less compel the Division to produce her responses to inquiry about the five (5) Stated Income Deals that purportedly provide the basis for the Cease and Desist Order, and for their Declaration at a recent hearing that they intend to fully revoke her Broker’s License.
Mr. Tobin said that he wouldn’t request the documents because he wanted to remain impartial, but that strikes me as patently bogus: Having clerked and lawyered for the AG’s Office I can tell you that Hearing Officers have broad discretion to require production of relevant documents, and if there is one relevant document in this case it surely is that response, and it must be produced in its entirety for chain-of-custody reasons to preserve the integrity of the process to the extent that they care about such matters.
Meanwhile Mr. Tobin has demonstrated that he may be less then impartial anyway by stating that certain of Ms. Gibbons’ request for information about complaints against other brokers are “irrelevant” because such a determination would limit her discovery. But you can’t limit her discovery too much because she is alleging, with substantial force, that the (in)actions of the DOB are both racially discriminatory and Arbitrary and Capricious, such that a wide latitude of Discovery is mandatory on those issues.
Note that Mr. Tobin, in responding to Ms. Gibbons’ request, did however state that these Stated Deals were indeed the reason for the Cease and Desist, and that contradicts what Martha Coakley’s DOB lawyers told the Massachusetts Commission Against Discrimination, whoops. That renders their Position Statement in Ms. Gibbons’ case as suspect as the extra purported legitimate nondiscriminatory rationales are not worthy of credence.
And we know that the main rationale is not worthy of credence either for a number of reasons, not the least of which is the FACT that Ms. Gibbons/Miracle Mortgage Stated Income Deals:
a) did not place anyone in harm’s way
b) were conducted prior to the 2006 DOB revision in guidelines.
Lastly the Division keeps claiming that they don’t have any racial data as requested by Ms. Gibbons, but that’s not likely because brokers and buyers have to submit that information, it’s all part of the CRA and other related legislation designed to eliminate the pernicious effects of discrimination. Ms. Gibbons and I are presenting these facts to local learned counsel and the MCAD is in for a real smack down, they have painted themselves into a corner on this one.
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