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8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 1/37
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?,2 Toj` < ec <>
NG
VH@
PGNV@F \VOV@\
FN\VRaLV LEPRV
CER VH@ FN\VRNLV
EC
LEAPMBNO
PGNV@F
\VOV@\
EC
OM@RNLO,
)
)
Taongtncc,
LGNA
OLVNEG
GE,
v
)
Z@AA\
CORJE BOGI, GO,
F`c`gfogt.
LEMTA NGV
Vh` Pgnt`f \tot`s Om`rnlo oaa`j`s;
NGVREFPLVNEG
?. Vh` Pgnt`f \tot`s brngjs
thns
oltneg
ojongst Z`aas Corje Bruai, GO ("Z`aas
Corje
er
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 2/37
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` 6 ec <>
lr`fntwerthng`ss er eth`r ebk`ltnv` lant`rno r`aot`f te berrew`r
rnsi.
Vh`s` Ocnnlog-Om`rnlog
.ogf
Hnspognl bEaa'ewers
w`r` paol`f ngte subprnm`
aeogs, wnth
ofv`rs` t`rms ogf
legfntnegs
sulh
os
hnjh
ngt`r`st
rot`s,
`xl`ssnv` c``s, pr`-poym`gt p`goatn`s, ogf ugovenfoba` cutur` poym`gt
hni`s, wh`g snmnaoray.qaaoancn`f gEaa-Hnspognl
whnt`
("whnt`") berrew`rs r`l`nv`f prnm`
aeogs,
Cer `xompa`, b`tw``g 2446
ogf
2448,
hnjhay quoancn`f prnm` r`tona
ogf
whea`soa` oppanlogts cer
Z`aas Corje r ` s n f ~ g t n a mertjoj` aeogs w`r` mer` thog ceua' tnm`s os ani`ay te r`l`nv` o
subprnm` aeog n th`y w`r` Ocrnloaa-Om`rnlog ogf
mer`
thog thr`` tnm`s os ani`ay Nc th`y w`r`
Hnspognl thog n th`y w`r` whnt`,
Legv`rs`ay,
furngj th` \og?` tnm` p`rnef, berrew`rs wnth a`ss
coveroba` lr`fnt quoancnlotnegs w`r` mer` ani`ay te r`e`nv` prnm`
aeogs
n th`y w`r` whnt` thog
bEaVew`rs whe w`r` Ocrnloa?-Om`rnlog er Hnspognl5
<. Offntnegoaay,
b`tw``g
ot a`ost 2446 ogf 244>, opprexnmot`ay
<4,444
Ocrnlog-Om`rnlog
ogf
Hnspognewhea`soa`
berrew`rs
ponf Z`aas
Corje
hnjh`r
c``s ogf lests
cerºthenr hem`
mertjoj`s
thog
whnt`
bEaVew`rs b`eous`
e th`nr rol` er gotnegoa ernjng, get
bos`f eg
th`nr
La'`fntwerthag`ss
er
eth`r ebk`etnv` lrnt`rno r`aot`f te berrew`r
rnsi.
6.
Z`aas Corje
wos eg` e
th` aorj`st
sngja`-comnay mertjoj`
a`gf`rs ng naa` Pgnt`f \tot`s
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 3/37
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f
4:/?2/?2
Toj` 0 ec >
0.
B`tw``g
2446
ogf
244>,
Z`aas Corje's peanln`s oaaew`f nts aeog ernjngoters beth te s`t
th` aeog prnl`s lhorj`f te
berrew`rs ogf
te paol` berrew`a s ngte aeog prefults ng
woys
thot Z`a
get
l4?m`lt`f te
o
bEa rew`r s
199a fntwerthng ss
er
eth`r ebk`ltnv`
lrnt`rno
r`aot`f te berrew`r
; rnsi.
Z`aas
Corje mof` meg`y
bos`f
eg th`
ngt`r`st
rot`s ogf c``s nt lhorj`f
te
bEa rew`rs ogf
? . .
th` pr`mnums
nt
`org`f
crem
ngv`stqrs
te
whem
nt
seaf
th`
buaa`
ec
nts
aeogs. Z`aas Corje
ofept`f
N
n aeog
prnlngj
ogf ernjngotneg
peanln`s
thot oaaew`f
th` p`a se??a?`a
whe ernjngot`f nts aeogs beth
te
s`t
th` aeog prnl`s lhorj`f te berrew`rs ogf te paol` berrew`rs ngte aeog
prefults
ng woys
uglegg`lt`f
wnth lr`fnt rnsi. Z`aas
Corje
lr`ot`f cngoglnoa ngl`gtnv`s cer nts `mpaey``s ogf
mertjoj`
brei`rs
by
shorngj nglr`os`f r`v`gu`s wnth th`m.
3.
Cea `aLmupa`, crem ot
a`ost
2446 taa? 4ujh mnf-2448, Z`aas
Cm je cr`qu`gtay ernjngot`f
shert-t`rm
hybrnf ofkustoba`-rot mertjoj`s (ORMs). Vh`s`
sPbprnm`
aeog prefults typnloaay
c`otu? f o r`aotnv`ay
aew
gem;ngoaagt`r`st rot`,
sem`tnm`s
luaa`f o ''t`os`r'.' rot`,
cer
th` cnrst
twe
er t?KN``
y`ors
ec th`
aeog,
oct`r whnlh th` rot` ofkust`f te o hnjh`r tot`
`v`ry
snx er tw`av`
megths.
Vh` mest lemmeg
typ`s ec
shert-t`rm hybrnf ORMs Z`a 3 2/28 aeogs,
wntaa
ngt`r`st
rot`s r`s`ttngj oct`r
twe
y`m-s. BEa rew`rs
wnth 2/28
ORM aeogs ect`g col`f poym`gt sheli
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 4/37
Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` 3 ec >
Top`r Cnat`r, og ngt`rgoa syst`m
f`snjg`f
te
`gsur` thot oaa prnm`-`anjnba` berrew`rs
w`r`
r`c`rr`f
te th` Bogi's prnm` fnvnsneg, wos
ng`cc`ltnv`
ogf subk`lt te `osy mognpuaotneg. Z`aas Corje's
ngt`rgoa felum`gts r`v`oa thot s`gner eccnlnoas w`r` owor` ec th` gum`reus toltnls thot subprnm`
ernjngoters `mpaey`f te i``p aeogs g th` subprnm` fnvnsneg, ogf thot o
snjgncnlogt
p`rl`gtoj` ec
berrew`rs w`r` r`l`nvngj subprnm` aeogs wh`g
th`y leuaf
hov` quoancn`f cer prnm` aeogs. Z`aas
Canrje fnf
get olt
te
of`quot`ay lemp`gsot` berrew`rs
whe w`r` vnltnms e fnslrnmngotneg
??4?'
fnf
nt
toa``
`cc`ltnv`
oltneg
te lhogj`
nts
peanln`s er proltnl`s te `anmngot`
tna`
fnslrnmngotneg.
8.
Ocrnlog-Om`rnlog
ogf
Hnspognl
lustem`rs
ecZ`aas
Corje
ng
ot
a`ost 82
j`ejrophne
agoral`ts olress
ot a`ost
<3
stot`s
ogf
th` Fnstrnlt ec
Leaumbno
w`r` vnltnms ecZ`aas Corje's
fnslrnmngotery
proltnl`s.
Opprexnmot`ay
<,044
ec
th`s` vnltnms
r`snf`f ng th` Zoshngjteg
Orangjteg-Oa`xogfrno, FL-SO-MF-ZS M`trepeantog \totnstnloa Or`o ("Zoshngjteg M\O,,).<
Offntnegoaay,
th` stotnstnloa ogoays`s
fnseuss`f
b`aew ceugf opprexnmot`ay 6,044.vnltnms ng th`
Aes Ogj`a`s M\O9 opprexnmot`ay 6,? 44
vnltnms
ng th` Mnomn
M\O9
opprexhgot`ay6,444
vnlthgs aelot`f ng
th`
G`w ^eri M\O9 opprexngmt`ay
<,244
ng ana` Lhnloje M\O9
opprexngaot`ay
2,?44 ng th`
\og
Croglnsle M\O9 opprexnmot`ay
?,644
ng th` Otaogto M\O9
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 5/37
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` : ec >
comnan`s leuaf hov` r`e`nv`f
prnm`
aeogs, th` `legemnl burf`gs
ogf
rnsis,
nglaufngj th`
nglr`os`f rnsi ec f`angqu`gly er
cer`laesur`, w`r`
portnluaoray hnjh. O
surv`y
ecaoa'j`
gotnegoa
a`gf`rs by th`
Eccnl` e
th` Lemptreaa`r ec th`
Lurr`gly (ELL)
r`pert`f thot
os
ec u g ~
<4,
24??, 28.? ecsubpa'nm`
aeogs gotnegwnf` or`
s`rneusay f`angqu`gt er ng cer`laesur`,
lempor`f
te
egay
0.0
ecpram`
aeogs. Os
ec
Ktm3
<4,
24??, Z`aas
Torjo's ev`roaa
cer`laesur`
rot`
eg
r`snf`gtnoa mertjoj`
aeogs
wos :.66 . Ollerfngj
te Z`aas Corje,
th` hnjh`st rnsi
s`jm`gt e
thns pertceane ns th`
subprnm` aeogs
ernjngot`f ng 2443 oa?f 244:.
?4.
Vh` Pgnt`f \tot`s brngjs thns aowsunt
te heaf Z`aas Corje
olleugtoba` cer
nts
vneaotnegs
e
aow ogf te r`m`fy th` substogtnoa ogf wnf`spr`of hormcua
legs`qu`gl`s
e Z`aas Corje's
fnslrnmngotery a`gfngj peanln`s ogf
proltnl`s.
KPRN\FNLVNEG
??.
. Vhns
Leurt hos
kurnsfnltneg
ev`r
thns oltneg pursuogt
te 28 P.\.L. §
?<60,62
P.\.L.
§ <3?6, ogf ?0
P.\.L.
§ ?3>?`(h). S`gu` ns
oppreprnot`
pursuogtte
28 P.\.L.
§
?<>?.
T RVN@\
?2.
Z`aas
Corje ns
o wheaay
ewg`f
subsnfnory ec
Z`aas
Corje
&
Lempogy,
eg`
ecth`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 6/37
N
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4: ?2 ?2 Toj` 8 ec
>
.,
threujh
nts Z`aas
Corje
HEPa`
Mertjoj`
fnvnsneg. Z`aas
Corje Hem`
Mertjoj`
wos
o
s`porot`ay
ewg`f
subsnfnory
ec Z`aas Corje & Lempogy
ugtna
Moy 0, 2446,
wan`g
nt wos
Pa`rj`f
ngte
Z
fns Corje Bogi,
GO.
CrePa 2446 te 2443,
Z`aas
Corje
Hem`
Mertjoj` r`pert f
tetoa g`t
`omngjs
ec $?<.0 bnaaneg.
?6.
By
th`
ceurth quort`r
ec2446,
Z`aas
Corje
wos
eg`
ec
th`
gotneg's
tep
t`g
ernjngoters
ec
subpa'nm` hem`
mertjoj`
?48gs.
Ng
2443,
Z`aas Corje
ernjngot`f
opprexnmot`ay $:6.2
bnaaneg ng
subprnm` aeogs,
mer`
thog ogy eth`r
a`gf`r
ng
th`
gotneg. Z`aas
Corje
sem`tnm`s r`c`rr`f
te
nts
hnjh`r-lest a`gfngj
os
gegprnm , roth`r thog subprnm`.
?0.
Z`aas
Corje
ns ogf anos
b``g
o lr`fnter wnthng
th`
m`ogngj ec
s`ltneg
:42(`) ec
@LEO,
?0 P.\.L. § ?3>?o(`), ogf
hos
`gjoj`f ng r`snf`gtnoa r`oa `stot`-r`aot`f trogsoltnegs wnthng th`
m`ogngj
ec
s`ltneg 840 ecnan` CHO, 62 P.\.L.
§
<340. Oeeerfngjay, Z`aas
Corje
ns subk`lt te
c`f`maaows jev`rgngj conr
a`gfngj,
ngeaufngj th` CHO ogf BLEO ogf th`nr r`sp`etnv`
nmpa`m`gtngj r`juaotnegs, th` conr heusngj
r`juaotnegs ec th` F`portm`gt ec
Heusngj ogf
Prbog
F`v`aepm`gt, 26 L.C.R. § ?44.?,
`t s`q.
ogf R`juaotneg B
ec
th` Legsum`r
Cngoglnoa
Tret`ltneg
Bur`ou,
?2
`.C.R. § ?442.?, `t s`q. Vh` CHO ogf @LEO prehnbnt
cna?oelnoa
ngstntutnegs
crem
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 7/37
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` > ec <>
("Zoshngjteg `\O") mer` cr`qu`gtay thog snmnaoray-sntuot`f whnt` oppanlogts furngj th` p`rnef
crem 2446
te
2448.
Offntnegoaay,
th` ELL cEPaaf r`oseg te b`an`v`
thot,
oct`r leg ;reaangj cer
lr`fnt
colters, oppanlogts crem
mngernty
l`gsus
trolts
(l`gsus
;rolts
wnth
jr`ot`r thog
er
`quoa te
84%
geg-Hnspognl OcHlog-Om`rnlog
pepuaotneg) ng
th` Zoshngjteg
`\O w`r`
mer`
ani`ay te b`
Paaf`rwrnnt`g
ng th` subprnm` lhogg`a
thog
oppanlogts
crem
geg-mngernty
l`gsus
;rolts
(l`gsus
;rolts wnth
jr`ot`r
thog EK `quoa
te
84%
whnt` pepuaotneg).
?:,
Ceaaewngj
nts f`t`rmngotneg ng
Torojroph
?3,
ogf pursuogt te ?0
u s `
§ ?3>?`(j),
th`
el` r`c`rr`f th` mott`r te th` Pgnt`f \tot`s F`portm`gt ecKustnl`
eg
F`l`mb`r
?6,
24?4.
?8.
Oaegj wnth th` poroaa a `l ngv`stnjotneg r`c`r`gl`f obev` ng Torojroph
?3,
th`
F`portm`gt ec Kustnl` hos `gjoj`f sngl` 244>
ng
og `xt`gsnv` ngv`stnjotneg ec Z`aas Corje's
a`gfngj peanln`s, proltnl`s, ogf
prel`fur`s,
nglaufngj r`vn`wngj
ngt`???oa
Bogal felum`gts ogf
geg-pubanl
NEaag-a`v`a
foto
eg mer` thog 2.:
mnaaneg Z`aas
Corje aeogs Eanjngot`f
b`tw``g
2446
ogf
244>.
COLVPOA OAA@JOVNEG\
?>.
B`tw``g
2446 ogf 244>, Z`aas Corje
ernjngot`f
r`tona ogf whea`soa` r`snf`gtnoa hem`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 8/37
Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` ?4 ec <>
wnth lustem`rs
ng broglh eccnl`s
ogf
ernjngot`f bethprnm`
ogf subprnm` aeogs. Vh`
subprnm`
fnvnsneg
e th` Fnstrnbut`f
R`tona
ang`
wos a`geZ os
th`
Mertjoj`
R`seurl`s
(MeR`)
fnvnsneg9
ng
`oray 2440, nts gom` wos lhogj`f te Hem` Lr`fnt \eautnegs (RL\). Aeog eccnl`rs wnthng th`
Fnstrnbut`f R`tonaanaa` w`r` ossnjg`f te `nth`r th` prnm` er MeR`aHL\ fnvnsnegs, Pgtna th` twe
fnvnsnegs
w`r`
m`rj`f naa
2448, ge
r`tonaae ag eccnl`r ernjngot`f beth paam`
ogf
subprnm` aeogs,
Vh` L`gtroanz`f R`tonaang3 prnmornay
hogfa`f prnm` aeog prefults
ogf ep`rot`f threujh
t`a`pheg`
loaas ogf ngt`rg`t
oppanlotnegs. Z`aas
Corje r`c`rr`f te beth prnm` ogf subprnm` aeog
eccnl`rs ng nts Fnstrnbut`f
R`tona
ogf
L`gtroanz`f
R`tona
ang`s
os
Hem`
Mertjoj` Legsuatogts er
HMLs. Vh`
som` prnm`
prnlngj peanln`s oppan`f
te
beth taun L`gtroanz`f ogf Fnstrnbut`f R`tona
ang`s.
2?. Vhreujh
nts
r`tona
ogf
whea`soa`
lhogg`as,
Z`aas Corje ernjngot`f vnrtuoaay `v`ry typ` e
aeog prefult thot wos ovonaoba` ng th` r`snflgtnoaa`gfngj mori`t. Vh`s`
prefults
nglauf`f;
(o)
trofntnegoa karnm`
aeogs9 (b) subpram` aeogs, typnloaay f`snjg`f cer berrew`rs wnth lr`fnt sler`s 4?'
eth`r lr`fnt lhorolt`rnstnls f``m`f tee w`oi te
quoanc^ cer prnm`
aeous9 ogf
(l) Oat-O
aeogs,
thes` wnth oppanlotneg r`qunr`m`gts er poym`gt terngs a`ss r`strnltnv` thog trofntnegoa prnm` aeog
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-re-complaint-for-violations 9/37
Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` ??
ec
<>
Mertjoj`.
oaa
Moy
?3,
2448,
Z`?as
Corje Hem`
Mertjoj` laes`f nts r`tona subprnrg` aeog
fnvnsneg
ogf
ernjngot`f nts aost subprnm` ?4?m oaa Kuay >, 2448.
22. Crem ot a`ost
2446
threujh
244>, Z`?as
Corje oppan`f nts prnlngjpeKnln`s eg o
gotnegwnf`
bosns,
oacueujh nt nssu`f
stot`
sp`lncnl rot`
sh``ts te lempay
wncu
Sorneta\
stot` r`qunr`m`gts.
Ta efult
aol`m`gt
2<. B`tw``g 2446 ogf
2448,
Z`aas Corje paol`f opprexnmot`ay 2,<04
Ocrnlog-Om`rnlog
ogf
?,304 Hnspognl whea`soa` berrew`rs, os
w`aa
os offntnegoa r`tona
berrew`rs, ngte
Bubpa nrg` aeogs
`v`gcueujh whnt`
berrew`rs
whe
hof
snmnaor lr`fnt
quoancnlotnegs
w`r` paol`f
ngte prnm`
aeogs.
Os o r`suat ec b`ngj paol f ng o subprnm`
aeog,
og Ocrnlog-Om`rnlog 4? Hnspognl berrew`r ponf,
eg
ov`roj`,
t`gs ec
heusogfs
ec
feaaors mer`
cer o Z`aas Corje aeog, ogf wos subk`lt te pessnba`
pr`-poym`gt p`goatn`s, nglr`os`f rnsi ec lr`fnt preba`ms, f`couat, ogf cer`laesur`, ogf th`
`metnenaoa
fnstr`ss ahot oLJEmpogn`s sulh `legemnl s t r ~ s t wos
Z`aas
Corje s busng`ss
proltnl` te oaaew nts HMLs ogf mertjoj` brei`rs
t
paol` og oppanlogt ng o subprnm` aeog `v`g
wh`g th` oppanlogt
quoancn`f cer
o prnm` aeog ollerfngj te
Z`aas
Corje s ugf`rwrntngj
junf`ang`s.
Z`aas
Corje
oase
jov`
nts HML s ogf
mEatjoj`
brei`rs ernjngotngj
Z`aas
Corje
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` ?< ec <>
whnlh
ect`g nglauf`f
t`rms sulh
os
ngntnoa
shert-t`rm
t`os`r ngt`r`st rot`s thot suff`gay
rns`
te
preful`
substogtnoaay
nglr`os`f
ogf pet`gtnoaay ugoccerfoba` poymogts
oct`r
nwe te
tag``
y`oa's,
os w`aa os
substogtnoa pr`-poym`gt
p`goatn`s.
2:.
mertjoj` a`gfngj
lemmnssneg strultPa'`s, aeog
eccnl`rs
typnloaay
r`l`nv` lemmnssnegs
ng
t`rms
e
bosns pengts,
wnth eg`
bosns pengt b`ngj `qunvoa`gt
te
4.4?
e
th`
aeog omeugt.
Crem 2446 te
2440,
Z`aas Corje's
subprnm`
HMLs
`org`f b`tw``g
>0 ogf ?84 bosns pengts,
f`p`gfngj eg aeog
omeugt
ogf
megthay ernjngotneg
veaum`, cer ernjngotngj o
subprnm`
aeo.g.
Crem 2443
te
244:, subprnm`
HMLs
`om`f b`tw``g
:0 ogf ?:0
bosns pengts, f`p`gfngj
eg
aeog
ome'tmt ogf
megthay ernjngotneg
veaum`,
cer ernjngotngj
o subprng?`
aeog. Crem 2446 te
244:, o
subprnm` HML `org`f
egay
04
bosns
pengts cer r`c`rrngj
o
prnm`-`anjnba`
berrew`r
te
th`
prnm`
fnvnsneg.
Ollerfngjay,
o
subprnm`
HML aest b`nw``g20 ogf ?<4
bosns
pengts
cer
r`c`rrngj o
prnm`-`anjnba` berrew`r
te
th`
prnm`
fnvnsneg roth`r
thog
ernjngotngj
th`
aeog os
subprnm`.
Vhns
peanly
ogfproetne`
er`ot`f
o
cmoglnoa ngl`gtnv` cer HMLs te ernjngot`
aeogs
os subprnm`
roth`r
thug
prug`,
`v`g wh`g
th`
oppanlogt legaf hov` quoancn`f cer
o
prnm` aeog.
28.
Z`aas
Corje's eop
eg th`
omePaat e
tetoa lemp`gsotneg thot
o
mertjoj` brei`r
leuaf
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna f 4:/?2/?2 Toj` ?6 ec <>
cer
o mer` coveroba` prnm` aeog.
VNaas
lemp`gsotneg strultur`,
lemb'ng`f
wnth th` substogtnoa
fnslr`tneg thot subprnaP` aeog ernjngoters hof te quoancy prnm`-`anjnba` berrew`rs
cer
subprnm`
aeogs, r`suat`f ng fnsernmngotneg eg th` .bosns ec rol`
ogf
gotnegoa ernjng ojongst Ocrnlog-
Om`rnlog ogf Hnspognl berrew`rs.
<4,
Cer `olh r`snf`gtnoa aeog thot Z`aas Corje s RMLs
ogf mEatjoj`
brei`rs ernjngot`f crem.
ot a`ost 2446 te 2448, ngcermotneg
obeut
`olh berrew`r s rol` ogf gotnegoa ernjng w8samewg by
4? ovonaoba` te
Z`aas
Corje.
<?. Z`aas Corje s OºTop`r Cnat`r wos ngt`gf`f te `gsur`
thot
oaa prnm`-`anjnba`berrew`rs
w`r`
r`c`rr`f te th` Bogi s prnm` fnvnsneg, but th` Cnat`r wos hnjhay susl`ptnba` te mognpuaotneg,
Pgtna aot` 2446, th` O"Top`r Cnat`r
wos
o
moguoa,
hogfwrntt`g lh`lafnst thot ugf`rwrnt`rs w`r`
r`qunr`f
t e oppay
te
`v`ry
aeog ernjngoaayugf`rwrntt`g
ng
th`
subprnm` fnvnsneg,
Z`aas
Corje
swntlh`f te og outemot`f lemput`rnz`f cnat`r cer opprexnmot`ay
?0
megths, ogf th`g
r`turg`f
te
th` moguoa lh`lianst
curmot ng
Koguory 2443,
<2, \ubprnaP` aeog ernjngoters hof th`
obnanty
te `gt`r
nglerr`lt
ngcermotneg
ngte
th` O-Top`r
Cnat`r te
pr`v`gt
o berrew`r
crem
b`ngj nf`gtncn`f os prnm`-`anjnba`, th`r`by `gsurngj thot th`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` ?0 ec <>
,
N
.
n
felum`gtotneg9 r`ful`f feeum`gtotnegaeogs
w`r`
get r`qtanr`f
te
je
threujh th` O-Top`r Cnat`r
prel`ss
ot
oaa.
<6. \ubprnm`
aeog ernjngoters
w`r`
get
pa'Ehnbnt`f
ct'em `gleurojngj prnm`-`anjnba`
berrew`rs te
Z``
st`ps thot weuaf fnsquoancy th`m
ca;em
r`l`nvngj prnm`
aeogs, nglaufngj,
but get
anmnt`f
te;
?)
`gleua'ojngj
b4??'4w`rs
te
cer`je
pmvnfngj nglem` ogf/er oss`t felum`gtotneg9
ogf
2) `gleurojngj beg'ew`rs
te
toi` eut
offntnegoa losh er cer`je moingj
o
fewg
poym`gt,
th`r`by
na?lr`osngj
th`
bEa?'ew`r's
aeog-ae-voha` rotne ( AVS ).
hat`a'??oa
Z`aas
Corje
felum`gts
ngfnlot` thot Z`aas
Corje
s`gner mogoj`rs
w`r`
owor` thot aeog ernjna?otea's w`r` `gleurojngj
berrew`rs
te
toi` th`s` ogf eth`r
st`ps
ofv`rs`
te
beg'ew`rs' ngt`r`sts eg o syst`motnl bosns, Os
or`suat, th` O-Top`r Cnat`r wos get oba`
te
nf`gtncy sntuotnegs wh`r`ng prnm`-`anjnba` berrew`rs
w`r`
`gleuroj`f by aeog ernjngoters
te
toa``
st`ps
nanot weuaf fnsquoancy th`m crem r`l`nvn??j
prnm`
?48a?\.
<0. @v`g
wnth th`s` anmntotnegs, th`
ngt`ra?oa Z`aas Corje
oufnts th` OºTop`r Cnat`r
nf`gtncn`f muatnpa` preba`ms.
Vh`s`
oufnts ngfnlot`f thot foto ngputt`f
ngte
th` Cnat`r
wos
ect`g
ngeegsnst`gt wnth th`
ngcea?'??otneg legtong`f
ng th` aeog
cna`s, ogf
thot
mogy aeogs w`r`
ernjngot`f
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` 3 ec <>
<:.
Cer `olh
st)bprnm` aeog
thot
hof
o pr`-poym`gt p`goaty,
og
ngt`r`st-egay c`otgr`,
er
r`ful`f felPm`gtotneg,
Z`aas Corje
r`qunr`f
berrew`rs te snjg o
fnslaecgar`
cerm, loaa`f th`
"Trefult/C`otgr`
\`a`ltneg Fnseaesur`." Vhns
cerm
purpert`f te `xpaong hew th`s` c`otgr`s
nmpolt`f th` bEanew`r's caa?oglngj ogf te `xpaong thot th` berrew`r wos r`e`nvngj o
Bubprnm`
aeog, ogf r`qunr`f
th`
berrew`r
te
legcnrm
?hot
o
Z`aas
Corje aeog efjngoter hof fnsluss`f
oaa
ovonaoba` Z`aas Corje hem` mertjoj` eptnegs Zntaa th` bEanewor.
<8. Vhns
fnslaesur`
cerm Z!Q8aaet `cc`ltnv`
ng
pr`v`gtngj aeog ernjngoters crem st``rngj
bEanew`rs
te th` subpfm`
fnvnsneg.
Z`aas Corje subpa'hg` aeog ernjngoters ect`g cona`f te
fnsluss oaa
ovonaoba`
aeog eptnegs wnth
berrew`rs b`cer` hovngj
th`m snjg
th` fnslaesur` cerm.
Curth`r, Z`aas Corje subprhu` aeog ernjngoters w`r` get r`aK.uhº`f te ngcerm prnm`-`anjnba`
lustem`rs whe r`l`nv`f o subprng?` aeog taaot
th`y
fnf ng colt quoancy
cer
o
mer`
coveroba` aeog.
Roth`r, Z`aas Corje r`qunr`f oaa subpram`
berrew`rs
te snjg
th`
TrefultNC`otgr` \`a`ltneg
Fnslaesur`,
wntheut
sp`lncne igewa`fj` os
te
wh`th`r th`y w`r` ng colt ptnm`;`anjnba`.
<>.
\totnstnloa
ogoays`s ec aeog foto
cer
prnm`
ogf subpa'nm`
whea`soa` aeogs
ernjngot`f by
Z`aas Corje
cer
th` tnm` p`fef 2446 te 2448 f`megstrot` thot, m`osur`f
4??
o gotneaawnf`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f :??2??2 Toj` ?: ec <>
Vhns
f`megstrot`s
o
pott`rg
ec stotnstnloaay
snjgncnlogt
6
fncc`r`gl`s b`tw``g
Ocrnlog-Om`rnlog
ogf
whnt` berrew`rs wnth r`sp`lt
te
th`nr
prefult
paol`m gt by Z`aas Corje. Vh`s` stotnstnloaay
snjgncnlogt fnsporntn`s `xnst`f nggum`reus j`ejrophnl
mori`ts
olress th` gotneg os w`aa.
64.
\totnstnloa
ogoays`s
ecaeog
foto
ceK'
prnm`
ogf subprnm` whea`soa` aeogs ernjngot`f by
UUUU
Z`aas Corje
cer
th` tnm` p`rnefec2446
te 2448
f`megstrot`
t h o ~ U r g ` o s u r ` f
eg
~ a a ~ t n e a w n f `
bosns,
th` effs thot o
Hnsprurnl
berrew`r whe ebtong`f o whea`soa` aeog
crem Z`aas Corje
weuaf
r`l`nv`
o subprhg`
NErua 'oth`r thrua
o
prnm` aeog
w`r` opprexnmot`ay ?.: tnm`s os
hnjh
os th`
effs ce? o whnt` bEaVew`r.
Cer
th` srug` tnga` p`rnef, th`
effs
thot oHnsprurnl berrew`r
whe
.
ebtong`f o r`tonaaeoaa crem Z`aas Corje
weuaf
r`l`nv` o
subprnm`
?4oaa?'oth`r
thog
o prnm` aeog
w`r`
oppa'Exnmot`ay
2.6 tnm`s os hnjh os th` effs cer o whnt`
b4?VEZ`a .
Vhns f`megstrot`s o
pott`rg ec stotnstnloaay
snjgncneoaat
fncc`r`ge`s b`tw``g Hnsprural ogf whnt`
berrew`rs
wnth r`sp`lt
te
th`nr
prefuet
paol`m`gt by Z`aas Corje. Vh`s` stotnstnloaay snjgncnlogt fnspoantn`s `xnst`f ng
gum`reus j`ejroparne
m`ri`ts
olress th` gotneg os w`aa.
6?. Oct`r legtreaangj cer moker
rnsi-bos`f
colters r`a`vogt
te
f`t`rmngngj NErua prefult
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4: ?2 ?2 Toj` ?8 ec >
sntuot`f whnt`
bert()w`r, oct`r
olleugtngj
cer
th`
sanm`
colters.
Cer
th`
som` tnm`
p`rnef,
th`.
effs thot
og
O;Na;nlog-Om`rnlog berrew`r whe ebtong`f o r`tona aeog
crem
Z`aas
Corje
weuaf
r`l`nv` o subprnm` aeog mth`r thog o
prnm`
aeog
w`r` opprexnmot`ay 2.4 tnm`s os hnjh os
th`
effs
cer
o snmnaoray-sntuot`f whnt` berrew`r, oct`r
olleP??tngj cer
th`
som`
colters.
Vh`s` effs
rotnes f`megstrot
o pott`rg ec stotnstnloaay snjgncnlogt
fncc`r`gl`s b`tw``g
Ocrnlog-Om`rnlog
ogf
whnt` berrew`rs wnth
r`sp`lt te th`nr
prefult paol`m`gt
by Z`aas
Corje,
`v`g oct`r
olleugtngj
cer
ebk`ltnv` lr`fnt quoancnlotnea?B.
6<. Cer
th` lembng`f
tnm` p`rnef
ec
2446 te
2448, gotnegwnf`, `
effs
thot o
Hnspo;a?nl
bera'e'!'a`r whe
ebtong`f o
whea`soa`
aeog
crem Z`aas Corje
weuaf
r`l`nv`
o
subprnm`
aeog
ngst`of e
o prnm` aeog
w`r` opprexnmot`ay ?.8 tnm`s
os hnjh os th`
effs cer
o sng?naoray-sntuot`f
whnt`
berrew`r,
oct`r
olleugtngj cer
th`
som`
colters. Cer
th`
som` tnm`
p`rnef,
th`
effs thot o
Hnspognl berrew`r
weuaf
r`l`nv` o
subprntu`
r`tona aeog roth`r
thog
o ~ p r n m retonaaeog
w`r`
opprexnmot`ay
?.< tnm`s os
hnjh
os
th` effs cer o
snmnaoray-sntuot`f
whnt` berrew`r,
oct`r
olleugtngj
cer th`
som` colters.
Vh`s` effs
rotnes
f`acaegstrot` pott`rg
e
stotnstnloaay
snjgncnlogt fncc`r`gl`s
b`tw``g Hnspognl ogf whnt` bEaVew`rs
wnth r`sp`lt
te
th`nr prefult
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-- -
- --
Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` ?> ec >
mof` ot
a`ost
<44
tetoa whea`soa`
? 8??\
furngj th`
y`or,
nglaufngj
ot
a`ost
<4
subprnm` aeogs
te
beth whnt`
ogf
Ocrnlog-Om`rnlog
whea`soa`
berrew`rs, \totnstnloaay snjgncnlogt
effs
rotne
fnsporntn`s
fnsco,,"erngj
Ocrnlog-Om`rnlog
berrew`rs
~ u r r ` f
ng
opprexnmot`ay
34% (?8
444
ec th`s` mori`ts ng
24409
oppa'exnmot`ay
::%
(2< ec<4) ectaa`s`
mori`ts
ng 24439
ogf
opprexnmot`ay
88%
(:
ec
8)
ec th`s`
mori`ts
ng
244:,
Cet th`
lembng`f
tnm` p`rnef ec2446
te
244:, ng th` hnjh-veaum`
mori`ts
wnth stotnstnloaay snjgncnlogt
effs
rotne fnsporntn`s, th` effs ec
og Ocrnlog-Om`rnlog
berrew`r r`l`nvngj
o subprnm`
whea`soa`
aeog ng o jnv`g y`or w`r` up te
8,< tnm`s os hnjh os ta?` effs cer o snmnarg;ay-sntaaot`f whnt` berrew`r, Vh`r` w`r` ge mori`ts
wnth
stotnstnloaay snjgncnlogt fnspoa'ntn`s coverngj Ocrnlog-Om`rnlm whea`soa` berrew`rs ev`r
shgnaoray-sntuot`f whnt`
beg'ew`rs,
Vh`s` r`suats, wh`g ojjr`jot`f,
ngfneot`
thot g`oray 2,<04
Ocrnlm-Om`rnlog
berrew`rs
ng
hnjh
?4m-veaum` mori`ts crem 2446 te 244:
r`l`nv`f
subpa'nm`,
roth`r thog ptnm`, whea`soa`
aeogs crem Z`Kas
Corje b`lous`
ec
th`nr rol`, ?? t
b`lous` ec th`nr ebk`ltnv` er`fnt lhorolt`rnstnls,
60,
Ng 2446,
Hnspognl whea`soa` berrew`rs
hof
stotnstnloaay snjgncnlogt
effs rotne
fnsporntn`s
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-
Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` 24 ec <>
sntuot`f whnt` beg'ew`r. Crem
2446
te 244:,
egay
eg`
mori`t hof stotnstnloaay snjgncnlogt
fnsporntn`s coverngj Hnspogne whea`soa` berrew`ns ev`r
snmnaoray-sntuot`f
whnt`
b4??'4w`rs.
Vh`s`
r`suats,
wh`g ojjr`jot`f,
ngfneot` thot g`oray ?,304 Hnspognl
berrew`rs
ng th` hnjh aeog-
veaum`
mori`ts crem 2446 te 244: r`l`nv`f
subpa'nm`, roth`r thog prnm`,
whea`soa` aeogs
crem
Z`aas
Corje
b`lous`
ec
th`h'
gotnegoa
ea'njng,
get b`lous`
ec
th`nr ebk`ltnv` er`fnt lhorolt`rnstnls.
63. 'VNa`s`
effs rotne
fnsporntn`s m`og, cer `xompa`, thot
cer
th` lembng`f tnm`
p`rnef
ec 2446
te 244:, Z`aas Corje
paoe`f (Npprexnmot`ay
<24
Ocn;!log-Om`rnlog
ogf
Hnspogne
whea`soa`
berrew`rs
naa th`
Aes Ogj`a`s
M\O ngte subprhg` aeogs
`v`g
theujh
whnt` berrew`rs ng Aes
Ogj`a`s
wnth shgnaor lr`fnt rnsi lhorolt`rnstnls
r`l`nv`f
prnm`
aeogs. Cer
th`
som`
tnm` p`rnef,
Z`aas Corje
paol`f
opprexnmot`ay <<0 Ocrnlog-Om`rnlog ogf
Hnspognl whea`soa` berrew`rs ng
th`
Zoshngjteg, FL M\O ngte subprnm` aeogs `v`g theujh whnt`
berrew`rs ng
Zoshngjteg, FL
wnth
snmnaor
er`fnt
si
ehoroet`fstnls r`l`nv`f prnm` aeogs. \nmnaoray, cer th` som` tnm` p`rnef,
Z`aas
Corje
paoe`f
opprexnmot`ay 6<0 Mrnlog-Om`rnlog
ogf
Hnspognl.whea`soa` berrew`rs ng
th`
Lhnloje
M\O; ngte subprnga` aeogs `v`g theujh whnt` b4??'4w`rs ng
Lhnloje wnth
sntgnaor
er`fnt
lhoroet`rnstnls r`l`nv`f prnga`
aeogs.
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` 2 ec <>
Corje subprnm` aeog eanjngoters
te
paol`
og
oppanlogt
ng o
subp??m`
aeog prefult `v`g
n
th`
oppanlogt l4??af quoanc^ cer
o
prnm`
aeog
ptefult9 (b) prevnf`f
o
cngoglnoa
ngl`gtnv` te Z`aas
Corje subprnm` aeog etnjngoters te paol` aeog oppanlogts ng
subprnm` aeog
prefuets9 (l) fnf get
r`qunr`
Z`aas Corje subprnm`
aeog
ernjngoters
te kustnc^ er
felum`gt
th`
r`osegs
cer paolnnaj og
oppanlogt ng o subprnm` aeoaaprefult
`v`g
Nc
th`
oppanlogt leuaf quoancy
cer
oprnm`
aeog
prefult9
(f) fnf
aaetr`qunr` Z`aas
Corje subprnm` aeog
ernjngoters te getnc^ subpfm` aeog
oppanlogts
wh`g th`y
fnf ng colt
quoancy cer omer`
coveroba` aeog preftalt9 ogf
(`)
ca!na`f te
megnter th`s`
fnslr`tnegory proltnl`s te
`gsur`
thot
beg'ew`rs w`r`
b`ngj
paol`f ng
aeog
prefults eg
o
??4??fnslrnmagotea'^ bosns. Z`aas Corje legtngu`f te us`
th`s`
prefglt paol`m`gt, lemp`gsotneg,
ogf fnslr`tnegory ugf`rwrntngj peanln`s ugtna
nt
`xnt`f th` subpram` a`gfngj busng`ss ng 2448.
6>. Z`aas
Corje s
peanln`s er proltnl`s nf`gtncn`f
ng
Torojrophs 2<-<8 w`r`
get
kustncn`f by
busng`ss
g`l`ssnty
er
a`jntnmot`
busng`ss ngt`r`sts. Vh`r` w`r` a`ss fnsla'amngotery oat`rgotnv`s
ovonaoba` te Z`aas Corje thot weuaf hov` olhn`v`f
th`
som` busng`ss jeoas os th`s` peanln`s ogf
proltnl`s.
04. Os ` NXay
os
2440, Z`aas
Corje s
s`gner eccnl`rs hof igewa`fj`
thot
nts
a`gfngj peanln`s
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` ec <>
lhorolt`rnstnls. Geg`th`a`ss, Z`aas Corje legtngu`f
te
nmpa`m`gt
thes`
peanln`s
ogf
proltnl`s
ogf fnf get toi` `cc`ltnv` oltneg te
lhogj`
th`
fnslrnmngotery
peanln`s
er
proltnl`s te `anmngot`
th`nr fnslrnmngotery nmpolt, Ge!'
fnf nt
olt
te
nf`gtncy
er
lemp`gsot` aa?` ngfnvnfuoa bEN'rew`rs
whe
w`r` vnltnms ec nts fnslrnmngotery prefult paol`m`gt ~ a n n ` s er
proltnl`s,
Zhea`soa` Mertjoj` Brea,`a C` s
0?. B`tw`lg2446
aNQf
2448, Z`aas Corje lhorj`f mer`
thog
?2,804
Ocrnlog-Om`rnlog
whea`soa`
berrew`rs
hnjh`r
c``s ogf
lests
thog
whnt` berrew`rs, get bos`f eg th`nr
lr`fntwerthng`ss 4? eth`r ebk`ltnv` lrnt`rno r`aot`f
te
berrew`r
rnsi, but b`lous` ecth`nr rol`.
\nmnaoray, b`tw``g 2446
ogf
2448, Z`aas Corje lhorj`f mer`
thog
?:,?04
Hnspognl whea`soa`
berrew`rs
hnjh`r
c``s
ogf
lests
thog
wnaat`
berrew`rs, get
bos`f
eg th`nr
lr`fntwerthng`ss
er
eth`r ebk`ltnv` lrnt`rno r`aot`f te berrew`r
rnsi,
but
b`lous`
ec th`nr gotnegoa ernjng.
Nt
wos
Z`aas
Corje s busng`ss proltnl`
te oaaew
nts mertjoj`
brei`rs whe
j`g`rot`f aeog oppanlotnegs
threujh
nts whea`soa` lhogg`a
te
vory o aeog s ngt`r st rot`
ogf eth`r c``s
crem th` prnl` s`t bos`f
eg
o
berrew`r s ebk`ltnv` lr`fnt-r`aot f colters. Vhns
uojunf`f ogf
subk`ltnv` prnlngj fnslr`tneg
ogf whnt`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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- - -
Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4:??2 ?2
Toj`
<
_c <>
olt
te
f`t`a?gng`
th` cuaasllp`
ec
th`s` whea`soa` prnlngj fnsporntn`s, ger fnf'nt prempt
oaaf
`cc`ltnv` oltneg te
`ahgngot`
thes` fnsporntn`s. B`tw``g
ot
a`ost 2446
oef 2448, Z`aas Corje
hof
o
peanly er proltnl` ec
p`rnefnloaay
megnterngj ng o anmnt`f mogg`r
th`
prnlngj ec
whea`soa`
hem`
mertjoj` aeogs cer fnslrnmngotneg bos`f
Ena rol`
er gotnegoa ernjng ot th` j`ejrophne mori`t a`v`a
oef
cer sem` ngfnvnfuoa brei`rs. Hew`v`r, Z`aas Corje's megnterngj cer rolnoaoaaf
!ao-tnegoa
ernjng fnsporntn s ng nts whea`soa` aeoes wos ngof`quot`. Oatheujh Z`aas Corje's whea`soa`
prnlngj megnterngj `ccerts w`r` ngof`quot`,
th`y
w`r` succnln`!at te put nt eg getnl` ecwnf`spr`of
prnengj fnsporntn`s bos`f aa roe`
oef
gotnegoa
ernjng. Z`aas
Corje fnf get olt te
f`t`rmng`
th`
cuaa slep` ec
th`s`
whea`soa` prnlngj fnsporntn`s, ger fnf t toi` prempt oef `cc`ltnv` oltnlg te
`anmngot` thes` fnsporntn`s.
0<.
Crem ot
a`ost
2446
te 2448, Z`aas Corje eanjngot`f oef'
cugf`f
r`snf`gtnoaaeoes ec
oaa
typ`s threujh nts Zhea`soa` A`gfngj Fnvnsneg ("ZAF"). Oppanlotnegs cer
th`s`
aeogs
w`r`
breujht te Z`aas Corje
by
mertjoj`
brei`rs
tha'Eujheut th` Pgnt`f \tot`s whe `gt`r`f ngte
legtrolts wnth Z`aas Coa'je
cer
th` pm'Tes`
ec
brngjngj aeog
oppanlotnegs
te nt
cer
ernjngotneg
oef
cugfngj9
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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N
Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4:/?2??2 Toj` 26 ec <>
00
Z`aas
Corje s brei`rs
w`r`
r`qunr`f
te
ofh`r`
te
th`
prevnsnegs s`t certh ng nts Zhea`soa`
A`gfngj Brei`r Eanjngotneg Junf`,
ogf
Z`aas Corje s legtrolts wnth
brei`rs
r`qunr`f
r`pr`s`gtotnegs ogf worrogtn`s thot
th`y
weuaf eempay wnth oppanloba` c`f`roa, stot`, ogf aeloa
aows ogf a'`juaotnegs, nglaufngj
cona'
a`gfngj r`qunr`m`gts, Z`aas Corje
r`qunr`f
nts brei`rs te
ott`st thot
oaa
mertjoj` aeogs submntt`f
legcerm`f
te
th` Bogi s oppanloba` r`qunr`m`gts
ogf
te
oaa ec th` junf`ang`s
cer
o portnlgaor
aeog prejrom,
03, Z`aas Corje, outhernz`f brei`rs te ngcerm presp`ltnv` berrew`rs ecth` t`rms ogf
legfntnegs
ugf`r
whnlh o
Z`aas Corje
r`snf`gtnoa aeog prefult
wos ovonaoba`,
Z`aas Corje fnf
get r`qunt` th` mettjoj`
brei`rs te ngcerm
o presp`ltnv` berrew`r ec oaa ovonaoba` aeog prefults
cer whnlh h` er
sh` quoancn`f,
ec th`
aew`st
ngt`r`st
rot`s ogf
c``s cer o sp`lncnl aeog
prefult,
4?'
e
sp`lncnl aeog prefults b`st f`snjg`f te s`rv`
th`
nrat`r`sts `xpr`ss`f
by
th` oppanlogt, Ppeg
r`l`npt ec o lempa`t`f aeog
oppanlotneg
crem obrei`r, Z`aas Torje `voauot`f th` prepes`f aeog
usngj nts ugf`rwrntngj jAa f`aha`s ogf
f`t`rmng`f wh`th`r
te ernjngot` ogf
cugf
th`
aeog,
0:,
Z`aas Corje
wos fnr`ltay
ogf
`xt`gsnv`ay
ngveav`f
nra s`ttngj th`
lempa`t`,
cngoa
t`rms
ogf
legfntnegs
e whea`soa` aeog oppanlotnegs
j`g`rot`f
by mertjoj` brei`rs thot Z`aas Corje
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4: ?2 ?2 Toj` 0 ec <>
thot r`ca`lt`f nts
oss`s\ag`gt
ec ngfnvnfuoa
oppanloaat
lr`fntwerthng`ss,
os
w`aa
os
th`
lurr`gt
mori`t
N'ot` ec ngt`r st oaaf prnl` nt
leuaf
ebtong cer th` soa` ec
sulh
o
aeog crem ngv`sters.
0>.
Crem
ot a`ost
2446 te
244>,
Z`aas
Corje
s`t
t`ggs
ogf legfntnegs,
nglaufngj ngt`r`st !'ot`s,
cer
nts vorneus hem` gaea'tjoj` aeog prefults ovonaoba` threujh nts whea`soa` aeog lhogg`a. Z`aas
`olh ec th` fncc`r`gt aeog
prefults
nt
ecc`r`f thot r`ca`lt`f oppanloaat lr`fntwerthng`ss. t
lemmugnlot`f
th`s`
aeog prefuet prnl`s te nts brei`rs threujh rot` sh``ts. Z`aas Corje
mof`
prnm` rot` sh``ts ovonaoba` te brei`rs eg o fonay bosns vno `mona er th`
"Brei`rs
Cnrst" w`bsnt`
thot
LEaPaPaaa?nlot`f
th` `cc`ltnv`
fot`,
tnm`, ogf prefult prnlngj thot wos r`a`os`f wnth o sp`lncnl
prnl`
lhoaaj`.
Vh`
rot`
sh``ts
oase `stobansh`f
prne`
lops thot anmnt`f th` a`v`a ecbrei`r
lemp`aa\otneg. Ollerfngj te Z`aas Corje s Zhea`soa` Trnlngj Teanly, prnl` lhoaaj`s w`r`
ngntnot f
by Z`aas
Corje s Lopntoa Mori`ts
Jreup os
o
r`\?? t
ec rot` mev`m`gts 4?' bytb`
Zhea`soa` Trnlngj Ja'EPT te
ofkust
precnt
`xp`ltotnegs
er oat`r lemp`tntnv` pesntneg.
Z`aas Corje
fnstrnbut`f nts
Vrofntnegoa
Gegprnga` rot` sh``ts
Eaal`
o
w``i.
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` 23 ec <>
weuaf
hov`
oee`pt`f eg
o portnluaor
aeog
ogf
th` ngt`r`st
rot`
o
mertjoj`
brei`r
oetuoaay
ebtong`f
cer
Z`aas
Corje. Z`aas Corje
b`g`cntt`f cngoglnoaay
crem-th` (eogs t mof`
ot ngt`r`st
rot`s obev` th` por rot`s s`t by
nts a'ot` sh``ts.
Cer
thes` aeogs
thot nt seaf
4?'
s`lurntnz`f, hnjh`r
ngt`r`st rot`s m`ogt
soa`s ot prnl`s
hnjh`r thog t
ecu`rwns` weuaf
hov` ebtong`f9
cer aeogs
nt
r`tong`f, hnjh`r ngt`r`st rot`s
m`ogt mer`
ngt`r`st
nglem`
ev`r tnm`. Vh`
s`leg>
woy
brei`rs
-
-
-
-
w`r` lemp`gsot`f wos threujh fnr`lt c``s
ogf
ernjngotneg c``s
ehorj`f te
th`
bEaVew`r.
Z`aas
Corje
fnr`lt`f nts laesngj
oj`gts
te poy fnr`lt
c``s
te
brei`rs eut e berrew`rs' cugfs ot th` aeog
laesngj.
Voi`g tej`th`r, th`s` twe
cerms
ec lemp`gsotneg or` r`c`rr`f
te
ng
thns
Lempaongt os
tetoa brei`r c``s.
3?.
Z`aas
Corje
hof
wrntt`g
peanln`s
paolngj o l`nangj eg tetoa brei`r
c``s. Crem
2446
. threujh
244>,
th` moxnggug tetoa brei`r
c``
thot o brei`r
leuaf `org
crem
ernjngotngj o prnm`
Z`aas Corje
aeog
wos 6.0% e
tna` tetoa aeog
omeugt.
Crem
2446
threujh
244:, th`
moxnmum
tetoa
brei`r c`` thot o brei`r
leuaf
Kom crem ernjngotngj o subprnm` Z`aas
Corje
aeog wos
0.4%
ecth` tetoa aeog omeugt.
Z`aas Corje
stepp`f ernjngotngj subprnm` aeogs crem nts whea`soa`
244:. Corje cer
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4: ?2 ?2 Toj` 2: ec <>
3<,
Eth`r thog
th`s`
lops,
Z`aas Corje fnf get `stobansh
ogy
ebk`ltnv`
lrnt`rno, er prevnf`
junf`ang`s, ngstrultnegs, er prel`fur`s te b`
ceaaew`f
by brei`rs (o)
ng
s`ttngj th` omeugt ec
fnr`lt
c``s
th`y sheuaf lhoK;j`
er
(b) ng f`t`rmngngj
te
lhorj` aa ngt`r`st rot` cer o aeog obev`
thot s`t by nts rot` sh``t, whnlh ng
turg
f`t`rmng`f th` omeugt ec^\T thot Z`aas Corje weuaf
UUUUUUU poy th`
brei`!', MEatjoj`
brei`rs `x`rlns`f
thns
p ? n e n g @ f n s L a º ` t n e g t h o t Z ( ) a a s C K P ~ _ U j a a . - , , t h ` ; m ,
ugt`th`r`f te ogy ebk`ltnv` lr`fnt lhorolt`rnstnls, eg `v`ry aeog th`y breujht te
Z`aas
Corje cer
ernjhnotneg
ogf cugfngj.
Z`aas Corje oc£hm`f er
rotncn`f
th`s` fnslr`tnegory prnlngj
f`lnsnegs
cer oaa th` brei`r`f
aeoM
nt
ernjngot`f
ogf cugf`f.
36,
Crem
2446
te
244>,
Z`aas Corje wos cuaay ngcerm`f
ec oaa brei`r c``s te b` lhorj`f
wnth
r`sp`lt te `olh ngfnvnfuoa r`snf`gtnoaaema
oppanlotneg
pr`s`gt`f te
nt.
Z`aas Corje oase r`qunr`f
brei`rs te fnslaes`
te
th` bEaVew`r oaa
lemp`gsotneg ogf
oaa eth`r c``s `xp`lt`f te b` r`l`nv`f by
th` brei`r ng lENPa`ltnqg wnth th`
mertjoj`
aeog, Z`aas Corje r`qunr`f brei`rs
te
fnslaes` th`nr
c``s eg th`
Jeef
Conth @stnmot`, th` HPF-a,
ogf
eth`r fnslaesur`s os oppanloba`, Vetoa brei`r
c``s rons`f th` ogguoa p`rl`gtoj` rot` lhorj`f eg o aeog, ogf leuaf nglr`os` th` get` ngt`r`st rot`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4: ?2 ?2 Toj` 8 ec <>
N
N
subprnm` aeogs bos`f
eg
beth rol`
(Ocn;nlaaaa-Om`flog) ogf
gotnegoa ernjng
(Hnspogne).
Vh`s`
N
fnsporntn`s `xnst`f beth ot th` gotnegoa
a`v`a ogf
nggum`reus
j`ejrophnl mori`ts olress th`
leugtry.
3:. M`osur`f
eg o gotnegwnf` bosns ng
`olh y`or
b`tw``g 2446 ogf 2448, Z`aas Corje
lhorj`f
O ; c l n ~ O m ` r n l o g
berre ,`a's
wh()m
`anaa
Corje
f`t`rmng`f
hof
th`
r ~ n t U
lhorolt`rnstnls te quoancy cer ohem` mertjoj`
aeog merl
ng
tetoa
brei`r c``s cer
prnm`
whea`soa`
aeogs thog whnt` berrew`rs. Vh` oaPmoa tetoa brei`r c`` laasporntn`s rogj`f up te :8
bosns pengts,
ogf th`y
or`
stotnstnloaay snjgncnlogt.
38. M`osur`f eg ogotnegwnf` bosns g
`olh y`or
b`tw``g 2446 ogf 2448,
Z`aas
Corje
lhorj`f Hnspognlberrew`rs whem Z`aas
Corje f`t`rmng`f
bof
tna`
lr`fnt lhorolt`rnstnls te
quoancy cer
o hem`
mertjoj`
aeog
mer` ng tetoa
brei`r
c``s
cer prnm`
whea`soa` aeogs
thog
whnt`
berrew`rs. Vh`
ogguoa
tetoa brei`r c`` fnsporntn`s rogj`f up te 00 bosns pengts, ogf-cu`y or`
stotnstnloaay snjgncnlogt.
3>. M`osur`f eg
o gotnegwnf` bosns ng
`olh y`or b`tw``g 2446 ogf
244:,
Z`aas Corje
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj`
2>
ec <>
Om`rnlog berrew`rs, ogf
<4
er mer` sulh aeogs te whnt` b4??'ew`rs
ng o
jnv`g y`or, Z`aas Corje
lhm'j`f
Octnlog-Om`rnlma berrew`rs mer` nxn tetoa brei`r
c``s get
bos`f eg berrew`r rnsi cer
whea`soa` prnm`
aeogs thog
whnt` berrew`rs by o stotnstnloaay
snjgncnlmat
ogaEaaaat,
Ng
2440,
opprexnmot`ay
:>% ec
sulh mori`ts (?>
ec 26)9 ng
2443, opprexnmot`ay
88% ec
sulh mori`ts
(22
U
ec
20)9
ng 244:, opprexnmot`ay 86% ec sulh
a a a r i ~ a s
(2?
ec20)9
ogfng2aaan8, ?
EE a NA_Ym,aLh
mori`ts
(?> ec ?>)
'shew`f
stotnstnloaay
snjgncnlogt
tetoa brei`r
c``
fnsporntn s fnscoverngj
Ocrnlog-Om`rnlog prnm` whea`soa` berrew`rs, Vh` fnsporntn`s ng tetoa brei`r c``s
get
bos`f eg
berrew`r rnsi r`suat`f
ng Ocrnlog-Om`rnlma berrew`rs
ng
th`s` mori`ts poyngj
up te
?22
bosns
pengts mer` thog whnt` berrew`rs
cer
prnm` whea`soa` aeogs ng
o
jnv`g
y`or,
Ng
oaa cnv` y`ors,
th`r` w`r`
??4
hnjh
m a ~ v e a u m `
mori`ts ng
whnlh Z`aas Corje lhorj`f whnt` berrew`rs
stotnstnloaay snjgncnlogtay hnjh`r tetoa brei`r c``s cer prnm` whea`soa` aeogs thog Ocrnlog-
Om`rnlog
berrew`rs
ng
o jnv`g y`m.. Vh`s` r`suats, wh`g
ojjr`jot`f,
ngfnlot`
thot Z`aas
Corje
lhorj`f mer` thma :,334 ngfnvnfuoaay nf`gtncnoba`
O;cn;nlma-Om`rnloaa
berrew`rs ng th` hnjh aeog
veha???` mori`ts crem
2446
te
2448
hnjh`r prnl`s ecvmyngj ogaeugts thog whnt` berrew`rs
cer
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` < ec <>
opprexnmot`ay
8>%
ec
sulh mori`ts
(<<
ec
<:)9 ogf
ng
2448,
opprexnmot`ay
>2%
ecsulh mori`ts
(22
ec26)
shew`f
stotnstneoaay snjgncnlogt
tetoa brei`r c``
fnspoftn`s fnscovefgj
Hnspogne
prnm`
whea`soa` berrew`rs, ga fnsporntn`s ng tetoa brei`r c``s get bos`f eg berrew`r rnsi r`suat`f ng
Hnspognl bEaVEw`rs ng th`s` mori`ts poyngj up te >> bosns pengts mer` thog whnt` berrew`rs cer
U
wa?4?`soa`
aeogs
naa
o jnv`g ), or.kK?
oaa
c n v ` U y ~ o r s ,
th`r`
, - ` r ` ' a ? ~
h n j a a a e o a ? - v e a u ~ ` a ? ? o r i ` t s
naa whnlh Z`aas
CNaa'je lhorj`f
whnt` berrew`rs stotnstnloaay snjgncnlogtay hnjh`r tetoa brei`r c``s
cet'
prnm` whea`soa` aeogs thog Hnspognl berrew`rs ng o jnv`g y`or. Vh`s` r`suats,
wh`g
ojjr`jot`f,
ngfnlot` thot
Z`aas
Corje
lhorj`f mer`
thog ?:,?04 ngfnvnfuoaay nf`gtncnoba`
Hnspogne berrew`rs
ng th`
hnjh aeog-veaum` mori`ts
crem 2446 te 2448 hnjh`r
prnl`s
ecvaaa'yngj
omeugts thog whnt` beg'ew`rs cer th`nr prnm` whea`soa`
aeogs, get bos`f eg
th`nr
lr`fntwerthng`ss
er eth`r
ebk`ltnv`
lrnt`rno
r`aot`f te
berrew`r
rnsi,
but b`lous` ec th`nr gotnegoa
efjng,
:2. g opprexnmot`ay >? %
ec
nts hn&h subprnm`-Neog-veaum` mori`ts ng 2446 (?4 ec??),
f`cng`f cer
purpes`s ec thns porojroph os thes` M\Os Naaaf geg-M\O or`os ng
`olh
stot` whel`
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` < ec <>
jnv`g
y`or.
Ng
oaa
c4???'
y`ors,
th`r` w`r`
ge
hnjh
subprnm`-Ne!aaa-Sehaau`
mori`ts
ng
whnlh
Z`aas
Corje lhorj`f
whnt` berrew`rs
stotnstnloaay
snjgncnlogtay
hnjh`r tetoa brei`r
c``s cer
subprhu`
whea`soa` aeogs thog Ocrnlog-Om`rnlog berrew`rs ng o jnv`g
y`or.
Vh`s` r`suats, wh`g
ojjr`jot`f, ngfnlot` thot Z`aas Corje lhorj`f opprexnmot`ay
0,?>4
hafnvnfuoaay nf`gtncnoba`
U l ~ U l = U O c r a l o g O m ` ~ ? . l o g
berrew`rs
n ~ t
hnjh
s ? . ? b p r n a ? ? ` a e @ a a ? ~ ~ e a a ? m `
gn,ori`ts
crem
2446?4
244:
hnjh`r prnl`s ecvo;ryngj
om4???ats
thog whnt` berrew`rs cer th`nr subprna??` whea`soa` aeogs, get
bos`f eg th`nr lr`fntwerthng`ss
er
eth`r ebk`ltnv` lrnt`rno r`aot`f
te
berrew`r rnsi, but b`lous` ec
.
th`nr
rol`. .
:<.
Vh`s`
fnsporntn`s aa tetoa brei`r c``s m`og, cer `xompa`, thoc ng 244:,
Z`aas
Corje
lhorj`f th` ov`roj` prnm` whea`soa lustem`r bEanewngj $<44,444 obeut 2,436 mer` aa brei`r
c``s
get bos`f eg berrew`rrnsi n sh`
w`r` Ocrnlog-Om`rnlog,
ogf oaa ov`roj`
e
obeut
$?,20? n
sh`
w`r`
Hnspoaanl, thog
th`
ov`roj` om4???at lhorj`f te o
whnt`
prnm`
whea`soa`
lustem`r.
Ng
sp`lncnl M\Os, th`s` fnsporntn`s ng tetoa brei`r c``s m`og thot aa 244: Z`aas Corje lhorj`f o
prnm` whea`soa` lustem`r aa th` Lhnloje M\O
berrewaaaj $<44,444
eg
ov`roj` obea?t $2,><:
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` <2
ec >
lhorj`f
te
o
whnt`
subpa'nm`
whea`soa` lustem`r.
Ng
sp`lncnl
M\Os,
th`s` fnspruntn`s m`og
thot ng
2440,
Z`aas
Corje
lhorj`f
og
Ocn'neog-Om`flog
subpa'nm`
whea`soa` lPaatem`r ng
th`
Aes
Ogj`a`s M\O berrewngj <44,444 eg ov`roj` obet?t ?,>>2
mer`
ng tetoa brei`r c``s get bos`f
4?? berrew`r rnsi thog th` ov`roj` omet??tt lhorj`f te o
whnt`
stabpa'nm` whea`soa`
laastem`r
ng AEs
a a j ` a ` s
Ng
2440
Z`aas
Corje
lhorj`f
~ O n ' n l o g - ~ ` r n l o g
subpa'am`
w h e a ~ B o a `
L a a s t e ~ ` r
ng
th`
Heusteg M\O berrewngj <44,444 eg ov`roj` obeut ?,424 mer` ng tetoa brei`r c``s get bos`f
eg berrew`r rnsi thog th` ov`roj` omeugt
Z`aas
Corje lhorj`f te o whnt` subprnm` whea`soa`
lustem`r
ng Hetasteg berrewngj th` som`
omeugt
.
.
:0. Ng
s`ttngj
th`
t`rms ogf legfntnegs
cer
nts whea`soa` aeogs, nglaufngj ngt`r`st
rot`s,
Z`aas
Corje olleugt`f cur ngfnvnfuoa berrew`rs' fncc`r.`gl`s ng lr`fnt rnsi lhorolt`rnstnls by s`ttngj th`
prnl`s
shewg eg nts rot` sh``ts
cer
`olh
aeog prefult cer
berrew`rs wnth
sp`lncn`f
lr`fnt
quoancnlotnegs. Vh`s` ofkustm`gts
bos`f
eg lr`fnt
rasi
lhoroet`a'nstnls w`r` s`porot`
crem ogf
fnf
get legtrea
cer
`nth`r lempeg`gt ec th` tetoa
brei`r c``s
-
th`
ngt`r`st rot` f`vnotnegs thot
Z`aas
Corje's peanly oaaew`f mertjoj` brei`rs te moi` ca'em th` por prnl`s, whnlh oar`ofy cuaay
N
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4: ?2 ?2 Toj` << ec <>
eg
bEateZ`r
rnsi ng th` t`rms
ogf
legfntnegs ecaeogs thot Z`aas
Corje
ernjngot`f oct`r por rot`s
hof b``g
`stobansh`f
by
r`c`r`gl`
te lr`fnt rnsi lhorolt`rnstnls9 (b) lr`ot`f o cngoglnoaagl`gtnv` cer
brei`rs te lhorj`
ngt`r`st
rot`s obev`
th`
porrot`s thot Z`aas Corje hof s`t9
(l)
fnf get
r`qunr`
mertjoj` brei`rs te kustncy er
felum`gt
th` r`osegs
cer
th`
omeugt
ec brei r c``s ?? t bos`f eg
~ ) e r a E w ` r r n s i 9
ogf
(f)
cona`f
te
~ u t ` a y
megnter
c1K?
ogf
cuaay
a'`Um.'alayKh`
`cc`lts
ecraa.Lnoa
ogf
`thml fnsporntn`s ng thes` brei`r c``s. Brei`r c``s sp`lncnloaay m`matar` th` prnlngj vornotneg
lous`f
by th` subk`ltnv` ogf ugjunf`f prnlngj ofkustm`gts get bos`f eg berrew`r
rnsi.
Z`aas
Corje legtngu`f te
us`
th`s` fnslr`tnegory
whea`soa`
brei`r
c``
prnlngj peanln`s, te ngof`quot`ay
feeum`gt ogf r`vn`w th` nmpa`m`gtotneg ec
thot prnlngj lempeg`gt,
ogf te ngl`gtnvnz`
upworf
brei`r ofkustm`gts te th`
por
ngt`r`st rot` ot a`ost
threujh
th` `gf ec 2448.
::. Z`aas Corje s peanln`s
ogf
proltnl`s nf`gtncn`f ng Torojrophs 0?-30 w`r` getkaastncn`f by
busng`ss g`l`ssnty
er a`jntnmot` busng`ss
ngt`r`sts. Vh`r` w`r` a`ss fnslrnmngotery
oat`motnv`s
ovonaoba`
te Z`aas
Corje thot weuaf hov` olhn`v`f
th`
som`
busng`ss
jeoas
os th`s`
peanln`s ogf
proltnl`s.
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2??2
Toj` 6 ec >
C m
HEP\NGJ OLV
OGF
@_POA LR@FNV ETTERVPGNV^ OLV SNEAOVNEG\
:>.
Z`aas Corje s r`snf`gtnoaa`gfngj-a aot`f peanln s ogf proltnl`s ogf
th`
peanln`s
ogf
proltnl`s nt ceaaew`f naa r`snf`gtnoa lt'`fnt trogsoltnegs os oaa`j`f h`?'`ng legstntut`;
o.
Fnslrnmngotneg eg th` bosns ecrol` ogf gotnegoa ernjng ng moafgj ovonaoba`, er ng
th` t`rms er legfntnegs
ec,
r`snf`gtnoa
r`oa
`stot`-r`aot`f trogsoltnegs, ng vneaotneg
ec
th`
CHO,
62
P.\.L.
§
<340(o)9
b.
Fnslrnmngotneg eg th` bosns
ec
rol`
ogf
gotnegoa ernjng ng
th`
t`rms, legfntnegs, er
prnvna`j`s ec soa` ec o fw`aangj, ng vneaotneg ec th` CHO, 62
P.\.L.
§ <346(b)9 ogf
l. Fnsernmngotneg ojongst oppanlogts wnth r`sp`et
te
lr`fnt trogsoltnegs, EK th` bosns
ec rol ogf gotnegoa ernjng, naa vneaotneg ec@LEO, ?0 P.\.L. § ?3>?(o)(N).
84. Z`aas Corje s a snf`gtnoaa`gfagj-r`aot`f peanln`s ogf proltnl`s s oaa`j`f h`r`ng
legstntut`;
o. O pott`rg er proltnl` ec r`snstogl`
te
th` cuaa `gkeym`gt
ec
rnjhts s`lur f by th`
CHO,
os
om`gf`f, 62 P.\.L. §§ <34?-<3?>, ogf @LEO,
?0
P.\.L. §§ ?3>?-?3>?c9
ogf
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Los` ?;?2-lv-4??04 Felum`gt ? Cna`f 4: ?2??2 Toj` <0 ec <>
82.
Z`aas Torje's peanln`s ogf proltnl`s,
os
f`slrnb`f h`r`ng, hof tna` purpes` ogf tna` `cc`lt
ec fnslrnmngotngj eg tna` bosns
e
roe` 4? gotnegoa ernjng. Vh`s` peanln`s ogf proltnl`s w`r`
ngt`gtnegoa,
wnaacua,'
er nmpa`m`gt`f wncu r`laf`ss fnsr`jorf
cer
tna` rnjhts ecO;crnlog-Om`rneog
ogf Hnspognlberrew`rs.
R a)AmC
R@Em \V@F
.
ZH@R@CER@,
tna`
Prrnt`f
\tot`s
proys
cuot cu` Leaart `gt`r og ERF@R
thot;
?) F`laor`s
cuot
Z`aas
Coa'je's lhoaa`gj`f a`gfngj peanln`s ogf proltnl`s legstntut`
vneaotnegs e th` Conr Heusngj
Olt,
62 P.\.L. §§ <34?º<3?>, ogf th`
@quoa
Lr`fnt
Epperttarrnty
N
.
,
Olt,
?0
P.\.L.
§§
?3>?-?3>?c9
(2)
@gkengs Z`aas Corje, nts oj`gts,
`mpaey``s,
oaaf sull`ssers, ogf oaa eth`r p`rsegs
ng
oltnv`
legl`rt er portnlnpotneg
wnth
th` Bo;a??l crem;
(o)
Fnsmnmngotngj eg
cu`
bosns ecrol` ogf gotnegoa Ea'njha
ojongst
ogy p`rseg
ng ogy osp`et ec nts a`gfngj busng`ss proltnl`s9
(b) Fnslrnmngotngj eg cuo
bosns
ecrol`
ogf
gotnegoa ernjng ng th` t`rms,
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f
4: ?2 ?2
Toj` <3 ec <>
(`)
Conangj ea'r`caasngj
te
toi`
sulh oltnegs os moy b`
g`l`ssory
te pr`v`gt ah`
r`lua'r`g`` ecogy sa ?lh fnsla'nmngotery legfult Ng th` cutur` ogf
te
`aNmngot`,
te
th` `xt`gt prgltneeea`, th` `cc`ets
ecZ`aas
Corje s ugaowcua
proltnl`s.
(<)
Oworfs
meg`tory fomaaj`s,
ngeaufngj ptmntnw fomoj`s, te oaa
vnetngas
ecZ`aas
Coa'je'sfnsernmngotea'^
peanen`s
ogfproetne`scea'th`ngka??n`secatw`f-by ah` Bogi,aaa.?rsuogt
te 6
.
P.\.L.
§
<3?6(f)(N)(B)
onaf ?0 P.\.L. §
?3>?`(h)9
(6) R`qun'a'`s
poym`gt
ecpgrkufjm`gt
ngt`r`st
eg meg`tot'^ faPPoj`s
te oaa
ec th`
vnltnms ec Z`aas Cattje's fnsernmngotery peanln`s ogf proltne`s
stortngj
crem th` fot` thot th`
fnsl?'amagotneg
E(a(aP9ta f9
ogf
(0)
Oss`ss`s o
lavna
p`goaty ojongst
Z`aas
Corje
ng
og oaaaeugt
outhernz`f
by 62
P.\.L,
§ <3?6(f)(N)(L). ng
erf`a'te
vngfnlot` th` Y?? ?bane ngt`r`st.
F@MOGF CEaa .aPR^VRNOA
Taongtncc,
Pgnt`f
\tot`s ec Om`rnlo, f`motafs ?? tfoa by Kury 4)? oaa
nssu`s
se
trnoba`
ng tags
N
N
mott`r.
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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~ H ~
;B; >26>2
Oltngj Lhn`c,
Lnvna Fnvnsneg
RM JP
. Bor # 6323:
Ossnstogt Pgnt`f
\tot`s
Otterg`y
000 Ceua'nan
\tr``t,
GZ
Zoshngjteg, FL
240<4
Theg`; (242) 3?3-?:3?
Cox;
(242)
0?6º8:84
Kovn`r.JumgRg2Dusfek.jev
V@S@G
H. RE\@GBOPM
F.L. Bor #
6?:080
Lhn`r
Heusngj ogf Lnvna @gcerl`PK.`gt \`ltneg
Lnvna Rnjhts
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frnS
B@VH
TORR
H@LI@R
Vrno;
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Vrnoa Ott `y
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Bor # 6>8<0:
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Los` ?;?2 lv 4??04 Felum`gt ? Cna`f 4:/?2/?2 Toj` : ec >
na`f 4:??2 ?2
8/12/2019 United States of America v Wells Fargo Bank, N.A. Re: Complaint for Violations of the Federal Fair Housing Act
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Lo\` ?;?2 lv 4??04 Felum`gt Toj` <8 ec <>
VV LHM@GV
Kurnsfnltnegs Znth Zhea`soa` Ojjrn`v`f
T`rsegs
(<3 \tot`s ogf
th` Enstrnlt ec
Leaumbno)
~
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