Realtors® just won the long fought battle to keep banks out of Real Estate. It certainly has been a no brainer to prove that banks just don't have what it takes to be in the people business after all the short sale fiascoes and foreclosures problems. 
While I have no clue why this bill was placed in the H.R. 1105 Omnibus Appropriations Bill because it really has nothing to do with all the spending and I am totally against the massive spending- at least I can say that one good thing was in the bill!
Now large banks are PERMANENTLY banned from entering into the real estate business. The new law bans the Treasury and the Federal Reserve from creating or making any rules, passing on any orders or doing anything else that would open the door to allow the large banks from doing real estate.
NAR has fought for many years to get this passed since the banks lobbying to get this on the books. If you contribute to RPAC you can be happy that your money was well spent and as Realtors ® you have a victory in these economic times.
The reason that NAR was fighting to keep big banks out of the real estate business is because it could have created an anti competitive and anti consumer concentrations of power within the financial sector. This would increase the cost to buyers. Banks in real estate is inconsistent with the banking laws and is bad for consumers and bad for banking.
It is obvious that large banks in the real estate business would not be good for Realtors®, especially those that own and operate small indepenent companies. It gives the banks an unfair advantage over real estate companies because banks can get cheap capital from the Federal Home Banking System and from Federal Deposit Insurance.
It would create a conflict of interest for the consumer. Here is a post I wrote about what it may be like if you had to list your house with a bank!
I am sure that the complaints about how bad the banks handle short sales have something to do with getting this passed!
Contact Nestor Gasset and Katerina Gasset, CIPS, Realtors®, International Properties and Investments, Inc. Licensed Realtors® in Florida at 561-753-0135 to list your property for sale or to purchase a property in Wellington, Boynton Beach, Manalapan, Manalapan Point, Lake Worth, Hypoluxo Island, Lantana, West Palm Beach and the rest of Palm Beach County Florida and Port St Lucie Florida. We are accepting referrals.
To view all Florida short sales For Sale Click here and then click on Search For Homes We know Palm Beach County and Port St Lucie Florida and will help you get your home Sold if you need to Sell your home and help you buy your home in Palm Beach County Florida : Call us today.
Realtors ® Win! No Banks In Real Estate! was first published on South- Florida-Luxury-Living.com.
Katerina...
No Pork for me :)
TLW...ROAR!
TLW- I SOOOO Agree! No pork! That is why they pass spending bills in the middle of the night:(
Where they put it is not as important as that they put it! And has it passed and been signed yet?
Who would have thought they would have pulled that one off. Luckily banks are not in favor with government now; but, don't be surprised if they come back in a couple of years and try to get back in again...........
I read an article when they first withdrew the lawsuit that said they never really intended to do actually get into brokerage, just wanted to see if the law would be interpreted as they interpreted it! Alrighty then... anybody got a bridge I can buy?
I wonder how this will affect all the VA Foreclosure properties currently with CountryWide.
Being the curious person I am, I would very much like to know WHO put that in the H.R. 1105 Omnibus Appropriations Bill.
I'm going to see if I can track that down, if you don't already know.
For a long time I have been indifferent to this legislation, but as I have continued to watch the banks over the past several months, I am very pleased that this has indeed passed.
I hope permanently really means permanently, and that we doesn't see this subject revisited in a few years.
Banks not good in real estate? Who would have thought that. Banks have made it clear they can only do so much. This is the best news to come out of this crisis. Thanks for the update.
Who would of thought that there was still some common sence out there right now-Dinah Lee
Now if we can just get Realtors out of the lending business we can complete the loop of equality.
That is fantastic news. I have long feared the day that banks hired employees at minimum wage to destroy the real estate industry. This is sure good to read.
PS. I love your comment Franklin Co. and your point is quite valid. There are many who overstep their role and obligations in a transaction which sometimes does not help.
Hey guys! Thanks for posting this up. I'm sure glad that didn't pass. If banks would of been able to handle real estate transactions then we would of been replaced by an atm, lol.
Patricia- Yes, it has been signed, sealed, delivered. Done, end of the debate!
Lenn- It was Konjorski
Lenn-Konjorksi a democrat from PA. One of the few times I agree with Dems.:)
Bryant- I agree!
Tim- We always have to be on our toes, keep in touch with the congress and what they are doing and what the lobby:) You can never take anything for granted now a days!
Sarah- This is not a lawsuit. This was a bill introduced to congress. The banks intro'd a bill to get into real estate about 9 years ago- the first time around. We've been keeping them at bay, now it is a law.
Roland- It won't. This has to do with banks actually becoming brokerages and a bunch of other stuff.
Mark- All you ever have to do is a short sale to get someone off the fence about this subject!!!!!!!!
Christine- You are right, watch your back:)
Brien- It is good and it is bad. Good for us Realtors and the consumers because we always knew that banks should not be in the real estate business. The bad part is it had to happen during this time of all the bad press against the banks. The banks are made out to be the scapegoats and villains for the incompetence of the regulating bodies which are not going to be getting any better. And that was all just to get the finger pointing off of who it really belongs on.
Dinah- and look where it came from:)
Franklin Mortgage- I agree.
Robert- Now that is a scary nightmare to have! And we know full well what that is like dealing in short sales!
Winston- and minimum wage listing agents:)
Katerina - Thank you so much for sharing this wonderful news!! Who would have ever thought that something good would come out of the Omnibus Bill? This is a great day for all Realtors!!
I wasn't surprised by this bill getting past. NAR was all over this one!
Hey thanks for the good news today for us Realtors.
Portsmouth NH Real Estate
Thankfully some good news~!!!!!
GREAT NEWS - Best 900 bucks I have ever spent - Hopefully it will stay this way...
Hi Nestor & Katerina -- Finally! One battle down, many more to go. Thanks for sharing. That would have been an absolute nightmare had banks been allowed in the sales end.
Thank goodness - they have messed up things enough already . Thanks for sharing.
Donna- Yes, some good news! We can always use good news but never let your guard down.
Bill- Great news for Realtors!
Patricia Aulson- Thank your for commenting!
Dawn- Love your new photo, avatar, you look so Professional, and smart with those glasses.
Connor- Hmmm, results for your investment:) We still need to keep an eye on things. Especially Walmart who may try to sneak in some other way.
Chris- Yep, we know, every day when we are trying to talk sensibly to short sale lenders for our many sellers.
Bob and Carolin- Unfortunately this bill does not help us in our short sales, but with continued pressure we may get somewhere there as well.
Roland and Dinah- Thanks for the reblogs!
Katerina,
I don't necessarily agree with the conclusion of your first paragraph, but the rest is excellent.
I commentor #9 on the "Here is a post I wrote ..." I took a day to look at houses and land and now I'm relegated to 42.
Bill
Permanently? I hope, I hope, I hope. Unfortunately each new political establishment seems to think they start at ground zero and the past is not relevent.
At last some good news that a bill was passed that will actually help people. The consumer and our industry.
Really! This is Fantastic! I hadn't even known it was in the omnibus. That is so great.
This is a great reason to be proud of being a REALTOR. We worked our butts off on this for years.
Great news. If this current mortgage debacle proves anything . . . it's the convoluted nature of banks in the lending process. Having them 'sell' real estate would make it worse and it's such a conflict of interest to begin with. Thanks for sharing and your post.
Thanks for the update. I was just asking about this the other day.
This is great news! And I'm equally happy that a fellow Pennsylvanian was responsible for this! I'm going to have to reblog this one, if you don't mind. Thanks for sharing!
WHO put that in the H.R. 1105 Omnibus Appropriations Bill? Was this something that the government wanted to take over...again.
Bill- You were commenter #1!
Thank goodness banks are out of the real estate for at least a few years. They won't give up trying
Great post, Thanks, and thanks NAR.
H Katerina~ It is so obvious that Banks do not know what theya re doing when it comes to real estate!
Nestor & Katerina - this is the best news that consumers could have in quite a while....now if those large banks could get their act together on the industry they supposedly already know...
Konjorski obviously doesn't know much about either industry.
Hasn't this fight been going on FOREVER? Thanks to NAR and our RPAC money taking this down!
I think banks would have given the real estate services away just to get the loan business. now we don't have to worry about it
In politics there is no such thing as permanent. We need to stay vigilant on this issue as banks would create an unfair playing field.
Katerina, good news for all REALTORS. Thanks for the notice.
Katerina, this is GREAT news! The banks' handling of short sales has been proof positive that large financial institutions are not suited for real estate.
Katerina - I was so happy to see this post! The word "PERMANENTLY" jumped out at me, too. Thanks for writing this one - I get a lot of my news here these days.
Great news. This outcome is exaclty why I dont mind making contributions to RPAC.
Jason- AR is a great place to get the news. This came out today in our local board's newsletter! As soon as I read it, I said, I have to write a post about this.
Vickie- You are right, I see how so much has just been undone. We will have to stay on our toes.
Cameron- Yeah, Not much of that is going on these days, so when I saw this news, I thought, at least one thing was good. :)
Hi Nestor & Katerina!
WHOOPEEE! Need I say anything more?
Paula- Nope! That is it:)
Sarah- Yes, the only negative is that it was put in the gigantic spending bill. No one can ever spend their way out of a recession. But that is a subject for another post. Thanks for commenting.
Katerina, can you imagine the BIG banks trying to sell real estate to home buyers -- they don't work evenings, weekends or holidays -- don't answer their phone after 4pm -- don't return calls -- overcharge for services -- overspend on budget -- then want US taxpayers to bail them out when they don't manage their profits correctly! No, thank you, I prefer independent and franchise brokerages, where more U.S. Citizens have the opportunity for entrepreneurship!
Good, I'm glad the banks are out of the picture forever. They can't run their own books and keep their clients best interest in mind, what makes you think they could do it during sale of the home.
What about BBQ Pork, is that still OK?
Katerina - We have followed this issue for some time now are are so very glad it was passed that banks cannot be in the real estate business, no matter what bill it was in! Can you imagine the mess that banks could make of our business. They are in so much trouble that I cannot imagine them trying to get into the real estate business! I don't always agree with everything NAR does but on this one, they hit a home run!
Mary
Katerina, the price of liberty is eternal vigialance. So it is good for now, but it will probably raise it's ugly head again. I think we have all learned through this ordeal with Short Sales that they don't understand our industry.
Let's say it has passed for the sake of arguement.
Would you have worked for a bank?
Nope and I would not have either.
So who would have ?
Bottom feeding Realtors who sell one or two homes a year, or newly licensed Realtors. So ultimately the consumer would have been hurt by using inexperienced agents. There I said it.
I am not afraid to compete with Bank Realtors but glad this battle is over.........for now.
That is great news. It has been on NAR's plate for some time. After watching what the lending institutions have done with these credit default swaps it is a very good thing.
This certainly is good news for both Realtors and consumers. It would certainly be a conflict of interest if they had succeeded. I hope this sticks. Thank you for the update.
Katerina, I share your views on this proposal. This is probably one major good thing that came out of the current situation.
Chiming in from the lenders perspective, I feel the same way about realtors posing as lenders. A lending office in a realtors office, staffed by former realtors and having the realtor principal being the principal of the lending company is clearly a conflict of interest.
I think I will increase my RPAC contributions! I deal with short sales and foreclosures, and I gotta tell you the lenders are doing a great disservice to their customers. Currently only 5% of foreclosed homes actually close. They (the lenders) then go to auction, by the home back even though they may have someone giving them a good and fair bid. They then re-list with an agent and pay for an appraisal, BPO, and list the property far below market value.
This accomplishes 2 things, both negative.
1. Spends needless dollars and countless hours of our time faxing and calling them...frustrating to all parties involved in the transaction. It can take sometime 30-60 just to have it assigned to a negotiator in the loss mitigation department. If you are the listing agent seldom can you speak with them about the listing price, or necessary price reductions. Only until you receive an offer, put together a package (which is lengthily) and fax it to them. Typically, they will convey they never received it, you then re fax etc...
2. One is it Real Estate Owned (REO) or Corporately Owned, they list it for a quick sale, but they typically want it on the market as an active for at least 7 days before they will consider offers~Again frustrating to buyers and agents involved.
I could only imagine what would happen if they became involved in Real Estate.
Eat moor chicken.
Back in 2000 I heard Roald Marth and Stefan Swanepoel give scenarios about how Bank of America would kill us with this. It was chilling then. The importance of those potential threats is also that they expose real problems with the real estate industry. We are still a very inefficient industry that is still changing. The bank threat might be over, but more challenges are still out there for us. Any bets that the banks will still be looking for a back door to real estate?
Great News! thanks for the update.
I have thought that it was the worst idea ever since I heard that banks were trying to get their feet into the real estate side in addition to banking. Such a wonderful thing that they are forever banned from ever doing so!!
I remember being astounded when this first started to be an issue. Ive been a real estate and mortgage broker for 30 years and everynce in a while have to site back and wonder what happened to our species? This has been going on for a long time with little press that Ive seen. Great victory.
Now we have to keep McDonalds AND Walmart from doing mortgages. Dont laugh!
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</style> <![endif]-->I recently used http://www.naplesrealestateguys.com for my most recent real estate purchase. 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