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Fingerprint Database Silently Added for Mortgage Industry

Privacy advocates, who usually find themselves opposing President Bush, are urging him to veto a housing bailout bill because it would create a national fingerprint registry for mortgage industry workers.

The fingerprint part of the bill, added by the Senate, is hidden in the lengthy bill, which appears to be about bailing out troubled homeowners.

The databased would encompass mortgage lenders, loan originators, and real estate agents. The registry, which was subject to little debate or public airing, is intended to create a national framework of consumer protection. The legislation would use the fingerprints when granting licenses from a newly created "Nationwide Mortgage Licensing System and Registry." Do you think fingerprints and background checks solve the crisis brought on by predatory lending and risky borrowing?

Does it bother you that Congress is considering a measure which would give the government much more information and individuals less privacy without much debate? Even if there are merits to the fingerprint database, how can impacted individuals weigh in on it? Should they be able to? Do you prefer a government that has less of your information, or more?


Join The Conversation
stephley stephley 9 years
"I'm not doing anything wrong sure you can have my fingerprints" logic seems reasonable, but it is reasonable only if other people aren't doing and never do anything wrong either. Nuns, toddlers and 90-year old women have been pulled off the lines in airports because their names matched the terrorism list. Mostly that's an inconvenience, but a reasonable person wants to know what someone's going to do with their private information before giving it away. Once it's out there, you can't pull it back and you don't know it's going to be ill-used until it is.
janneth janneth 9 years
This is the goofiest thing ever. The govt likes to single out any little group to ink their fingers. I am not really against the concept, just the targeting of groups. Why not fingerprint everybody, really? Why not? If you are innocent, what is the problemo? Everybody!
flutterpie flutterpie 9 years
the only thing with that lady is a) not everyone reports to the BBB as it is, we are talking about money, not customer service 2) if this person commited some kind of crime outside of their business, i think that whomever is working with them should know about it
ladychaos ladychaos 9 years
So what the bill is saying is that we need to compare our lender's fingerprints to those in the database to make sure they're not a predatory lender that changed their name? Honestly, its just a waste of more tax dollars... Instead, they should set up a database of known lenders (like have their history of complaints available online), sort of like the Better Business Bureau, but for lending. That way, if there's a lending group that you've never heard of, you can always check on if they're certified, and if you've had any issues with them. (In the long run, it would create some jobs and still be something implemented to safeguard our citizens).
flutterpie flutterpie 9 years
i am not as bothered by the fingerprinting of agents as i am that the government feels the need to hide it into the bill. these kind of shady tactics only lead to the public distrust of our system and the way that it operates. as far as what kind of good it will do? the industry as it stands right now doesnt have any kind of checks and balances. pretty much anyone can take the test and get licensed, its up to the consumer to do their research. i am assuming that the database will keep people out who have had their licenses suspended and will make that kind of information easier to find.
KrisSugar KrisSugar 9 years
authorities have fingerprints on file of all sorts of shady characters. So far that hasn't stopped them from committing crimes. what kind of good would this do?
raciccarone raciccarone 9 years
The government issued a green card to Muhammed Atta after 9/11. I am not really that concerned that the government has the ability to do anything except bomb other countries at this point.
stephley stephley 9 years
This should be more openly discussed before anyone decides to implement it. It is one more way to track people without any evidence it serves any purpose other than being able to watch everyone. From a longer article about it: "No copy of the revised Senate legislation is posted on the Library of Congress' Thomas Web site, which would be the usual procedure. The feds' new fingerprint database would function like this: Any "loan originator" must furnish "fingerprints for submission to the Federal Bureau of Investigation" AND A WEALTH OF OTHER UNNAMED GOVERNMENT AGENCIES. Loan originator is defined as someone who accepts a residential mortgage application, negotiates terms on a mortgage, advises on loan terms, prepares loan packages, or collects information on behalf of the consumer."
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