Bank of America Corp. (BAC) told Fannie Mae it refuses to cooperate with the U.S. mortgage firm’s new stance on loan buybacks, setting the lender up for a potential surge in claims and penalties.

The bank is disputing Fannie Mae’s demand that lenders repurchase mortgages or cover any losses themselves if an insurer drops coverage, Bank of America said this month in a regulatory filing. The lender, ranked second by assets among U.S. banks, said it “does not intend to repurchase loans” under what it deems to be new rules, and the refusal may trigger penalties or other sanctions.

At stake is Bank of America’s ability to contain costs from faulty mortgages, which have reached about $40 billion for refunds, lawsuits and foreclosures. The company set aside $278 million for loan buybacks in the third quarter, the least since Chief Executive Officer Brian T. Moynihan took over almost two years ago. Those expenses may rebound if Fannie Mae’s rules stand, the bank said.

Fannie Mae didn’t enforce this policy before because “it was a different economic time,” said David Felt, a former deputy general counsel at the Federal Housing Finance Agency, the regulator for Fannie Mae. Defaults were fewer and the firm didn’t want to harm relations with lenders by being too picky, he said. “They’d overlook the small things. Well, they’re no longer small things, and they’re no longer the old Fannie Mae.”

Taxpayer Costs

"I am not alone..." those words as experienced on the 3D were comforting yet not quite complete.

In my new dimension with it's brilliant streaming frequency of Light from Source, those words became a profound realization to me yesterday.

Since the portal opening of 11.11.11, my near-constant communications with Motherfather god, Star Family and my Guides at first were glorious novelties that shook me to tears. As I learned more about this much improved clairaudience, I learned to truly "listen" to the guidance given. 

Yesterday, while attending a Reiki session with my dying father, I felt the total completeness of that message, "you are not alone."

Every conscious thought I have is always Lovingly accompanied by guidance, words of additional knowledge, or just the gentle hand on my head in reassurance.

I AM Boo-Damphir of the Melchizedek Brotherhood of the Light

I AM Love and insightfullness

I AM everything and nothing

I AM so very Blessed and not alone

This is RC, an ascending Gaian, and I share my light and love with all life, as I live my life through love for all life.

Music has and always will be an integral part of my life, in particularly music from Rush and Dream Theater.

Below is the “you tube” link of the song, The Speed Of Love, by Rush.  Below the link is the written lyric of the song.

While I lay there looking at the night sky

I see the wonders and wonder why

The breeze blows softly over my face

And I feel the oneness and I sigh

How much longer I cant wait

Will it be until we de-alienate

I want to be one and undone

To be that wonder and have some fun

I thought I'd share my daily invocation with you.. please feel free to use it if you haven't yet begun to help us by focusing your intention on events at our doorstep!

*********************************

I align with Mother/Father God, my mighty I Am Presence, and all the Beings of Light that I personally acknowledge, as I call upon the Overlighting of Lord Melchizedek, the Universal Logos, and the Brotherhood of the Light, to take me into the Crystalline City of Light within the etheric of Machu Picchu.

I now travel in an external Merkaba vehicle of Light, into this sacred Crystalline City of Light.

Greeted by three gatekeepers, I am now lead into a beautiful dodecahedronal shaped Temple of Light.

I now merge with my multidimensional Selves, taking on these keycodes of Light of Self Mastery, as this Master Being of Light, as this Keeper of Light, in Service to all Life through joy and Love. I recognize myself as an initiate of Light, holding the encodings of Christ Consciousness. I now experience the merging of parallel realities and timelines of my Highest Potential, from Lemuria, Atlantis and ancient Egypt, through this universal ray of Divine Light, holding the teachings of Light through the Melchizedek Brotherhood of the Light.

Cloaked in this Platinum Ray of Universal Service, I now experience the axiatonal lines within my body being activated through the acupuncture meridian lines and spin points.

As these sound, color, light and sacred geometries are now downloaded in this beautiful Platinum Flame of Light, I now release old cellular memories, conditionings, false beliefs and judgments to the maximum Cosmic Law will allow. As I step into my invisible garments of Divine Light, I experience a deeper integration of my I Am Presence.