Recycling Black Dollars-CRA (Involvement)

MEMORANDUM of Meeting held at Regions Bank, St. Charles St. New Orleans Wednesday October 11, 2006

This meeting was held with statements made on previous dates by Mr. Charles Stewart the CRA representative for Regions Bank that the main purpose was to negotiate a CRA proposal UAAD had presented to his office and other officials the past several months. (see: CRA complaint(s)).
In order to verify the intent, purpose, and dialog of this meeting I requested that the meeting be recorded by Mr. Charles Stewart and Ms. Yvette Cola. I also request a transcript of the recordings in a timely manner in order that we may compare our minutes taken at the meeting by UAAD’s representative Brother Walter Uramani.
These transcripts are needed in order that they can be entered into a formal complaint being filed by UAAD, in which we believe Mr. Stewart, Mr. Kevin Williams, present at this meeting have acted in bad faith. Throughout the process in hearing our proposals they and other bank officials have acted in bad faith in allowing African Americans access to CRA benefits.
See: http://www.uaadcorp.com/
Walter L. Ellis, CEO UAAD uedcinc@aol.com October 12, 2006

October 9, 2006
Regions Bank Re: Meeting Wednesday October 11, 2006

Mr. Charles Stewart,
United Affirmative Action Development Corp, (UAAD) has attempted to contact your office regarding a CRA meeting your office indicated you would have with UAAD by October 6, 2006. Mr. John Mosley who is not an official of UAAD, advised that he had arranged a meeting to be held on Wednesday October 11th, at 9:00AM. I had advised Mr. Mosley on Friday that the time would need to be changed for my scheduling. Mr. Mosley’s organization(s) I understand has an interest in negotiating a CRA agreement with your and other banks. After reviewing your and other banks’ CRA Activity Reports for the past 2 years in New Orleans in particular, it is my opinion that your and other banks could use the assistance of all Community Organizations in order to bring your bank(s) up to the standards required by the FDIC/OCC/FRB, especially during a merger as intended with your bank and AmSouth.
UAAD and its affiliates would like to be advised when the Public Meeting will be held where organizations or individuals can support or protest the merger between Regions and AmSouth Bank. UAAD’s concern at this time is that many officials of both banks have received numerous requests to negotiate agreements with both banks, and have been given what we believe to be a run-around.
UAAD would ask that Regions and AmSouth enter into good faith negotiations with our 501c3 non-profit, or have the CEO of each bank put in writing why you can or will not. You are aware that when some banks merge the issue of REPARATION becomes a discussion point. Those issues should be resolved, or at least investigated prior to mergers in fairness to the other bank, and the Community such banks serve.
Respectfully,
Walter L. Ellis, CEO UAAD uedcinc@aol.com

September 16, 2006

Ms. Yvette Cola
VP Regional Community Development Manager
Regions Bank
New Orleans, LA
Phone: 504-584-2105
Re: A request for CRA funding

Ms. Cola,
I would like to express my appreciation for meeting with UAAD.
UAAD’s request is to seek start-up funding to assist UAAD in organizing a Coalition of Community Organizations to seek CRA funding for projects to be presented to your bank.
United Affirmative action Development Corp, UAAD, a 501c3, Tax ID#62-1753255, is seeking contributions to continue its efforts in presenting and developing various programs that we believe will benefit the African American Community, low and moderate income individuals, utilizing CRA, with benefits that will create economic parity for many.
UAAD is seeking a $5,000.00 contribution to provide expenses in developing a final proposal to your bank.
We are looking forward to meeting with you Monday September 18th to present personally this request, and to begin a process to negotiate a long term agreement that will address and assist the Victims of Katrina.
Respectfully,
Walter L. Ellis, CEO UAAD
uedcinc@aol.com

May 8, 2006
Regions Bank
1317 N. Trenton St
Ruston, LA

Dear Sir or Madam:
United Affirmative Action Development Corporation, a 501c3 non-profit, would like to meet with you CRA representative. We would like to have a copy of your CRA files and to discuss the following:
A CRA Proposal from UNITED EQUITY DEVELOPMENT CORP (UEDC) To All Banks in the State of Louisiana for Hurricane
KATRINA Recovery.
UEDC an affiliate of UNITED AFFIRMATIVE ACTION DEVELOPMENT CORP (UAAD) a 501c3 non-profit propose to create a coalition of small and large banks in the state of Louisiana in order to provide low, moderate-income individual and small businesses to include African Americans (AA) the necessary funding in order to recover from KATRINA, and its aftermath.
The suggestions of the COMMUNITY RE-INVESTMENT ACT of 1977 (CRA) is that banks commit at least 10 percent of their assets toward CRA activities. These set asides can be in the form of low interest loans, or contributions.
CRA a part of the civil rights legislation of 1977 was created due to predatory lending, red-lining and discrimination on the part of our nation’s banks.
see: http://www.uaadcorp.com/ / http://www.chaseuedcaffinity.blogspot.com/
http://www.chasebankreparation.blogspot.com/
UAAD/UEDC will organize a coalition of banks, community organizations, in order to benefit the Hurricane victims. Such a coalition will benefit the banks, low, moderate-income to include AA. / http://www.bankwhileblack.com/

Utilization of funds:
Finance down payments to low-moderate-income for home purchase, (based on programs JPMorganChase Bank has established).
Provide low (no interest loans to hurricane victims)
Provide low interest business loans to small businesses. (Lower to Katrina Victims).
Contributions to HBUC’s, to increase CRA activities and scholarship programs.
Establish Micro-business Centers at all HBUC’s and other locations where needed. Centers will be assisted by Community Organizations and small banks. Small banks will also serve and assist on Community Loan Committees.
In addition to low interest loans, assistance from business centers, our members will also benefit from UAAD/UEDC’s low interest AFFINITY CREDIT CARD being negotiated with JPMorganChase Bank.
Although UAAD/UEDC has in excess of 20 years involvement in CRA, we are aware that the success of accomplishing our goals we will need a commitment from our nation’s banks, FDIC, Office of the Comptroller of the Currency (OCC) and as many community organizations that will join with us in order to assist the KATRINA victims and others. Our nation’s banks have in excess of $4.2 trillion dollars in CRA commitments. If the CRA ACT has any significance or purpose, now is the time for it to be implemented. See: http://www.uedcinc.com/
We propose a 5 year commitment of 10 percent of assets to be administered by UAAD and other established community organizations. We will be negotiating for UAAD and the coalition will require a reasonable percentage in advance to administer these programs.
See: http://www.uaadcrahbuc.blogspot.com/
We anticipate your in-put and participation.

UEDC will ask small banks to contribute administration assistance in lieu of cash contributions. Such contributions will be in the form of business consultation, serving on community loan committees, teaching CRA and banking in HBUC’s etc. Larger banks will be asked to contribute at least 10 percent of their assets toward these proposed projects for the next 5 years. We believe the FDIC/OCC will consider this proposal to be practical and meet the requirements of the bank(s) obligation to meet prudent banking practices as required under the Community Re-Investment Act of 1977 (CRA).
Sincerely,
Walter L. Ellis, CEO of UAAD/UEDC

PRESENTATION TO

AmSouth Bank

Kevin E. Williams
Vice President
Regional Community Development Manager
333 Texas Street, 3rd Floor
Shreveport, Louisiana 71101

A request for funding

RE: A PROPOSAL TO FORM A COALITION TO PROVIDE BENEFITS TO THE
AFRICAN AMERICAN COMMUNITY UTILIZING CIVIL RIGHTS
LEGISTATION OF 1977

THE COMMUNITY REINVESTMENT ACT (CRA)

http://www.uaadcorp.com

http://www.cra-sclc-neworleans.blogspot.com/

PRESENTED BY:

Walter L. Ellis, CEO United Affirmative Action Development Corp / UAAD
a 501C3 non-profit corporation
uedcinc@aol.com
http://www.unitedaffirmativeactiondevelopment.com

September 16, 2006

Mr. Kevin E. Williams
VP Regional Community Development Manager
AmSouth Bank
333Texas Street, 3rd floor
Shreveport, Louisiana 71101
Phone: 318 429-1918
Re: A request for CRA funding

Mr. Williams,
I would like to express my appreciation for meeting with UAAD in your office 400 Podyras St. on 9/15/06.
UAAD’s request at that meeting is to seek start-up funding to assist UAAD in finalizing organizing a Coalition of Community Organizations to seek CRA funding for projects to be presented to your bank.
United Affirmative action Development Corp, UAAD a 501c3 Tax ID#62-1753255, is seeking contributions to continue its efforts in presenting and developing various programs that we believe will benefit the African American Community, low and moderate income individuals, utilizing CRA, with benefits that will create economic parity for many.
UAAD is seeking a $5,000.00 contribution to provide expenses in developing a final proposal to your bank.
We are looking forward to meeting with you Monday September 18th to present personally this request, and to begin a process to negotiate a long term agreement that will address and assist the Victims of Katrina.
Respectfully,
Walter L. Ellis, CEO UAAD
uedcinc@aol.com

African Americans should pay attention to UAAD’s CRA PROPOSALS!!!!

As the founder and CEO of United Affirmative Action Development Corp (UAAD), I believe that if Community, Civic, and Civil Rights organizations and many individuals in the Minority Community would realize that the 10 plus years UAAD has spent developing CRA proposals, to show that it is meant or should have been meant for REPARATION for AFRICAN AMERICANS in particular.
A coalition that is being developed by UAAD will allow a process to gain access to open the bank(s) vaults, using the COMMUNITY RE-INVESTMENT Act of 1977 (CRA), rather than using a weapon.
Only together can we be successful to insist that our nation’s banks provide economic parity to African Americans, and Native Americans as regulated under CRA. These funds can be provided under any given name the bank(s) want to name such as:
For instance JPMorganChase Bank agreed to pay REPARATION, and choose to call their program “SMART START of Louisiana”. How they named the program is insignificant, but the fact that they under funded the program, and apparently purposely hid the funding since 2004, becomes a problem that the NAACP and the Federal Government should investigate. http://www.chasebankreparation.blogspot.com/ http://www.bankwhileblack.blogspot.com/ http://www.uedcrabank.blogspot.com/
Kevin Williams, VP CRA AmSouth Bank, in a proposal to UAAD recently in New Orleans presented a proposal to negotiate a CDC agreement with Community Organizations, he and the bank are aware that CDC does not meet the requirements of CRA. http://cra-uaad-neworleans.blogspot.com/
UAAD request that Community Organizations join in our efforts to insist that our nation’s banks make available reasonable contributions, and programs as intended by the Civil Rights legislation CRA.
UAAD ask any and all to join with us in bringing about economic parity for minorities in particular, who was harmed by discriminatory practices which included predatory lending by our nation’s banks.
Walter L. Ellis, CEO UAAD uedcinc@aol.com 10-08-06


PRESENTATION GSU 9/20/06 “ECONOMIC PARITY”

Walter Ellis CEO / Founder United Affirmative Action Development Corp / UAAD, a 5013c non-profit.
Also CEO and founder United Equity Development Corporation / UEDC, a for-profit Louisiana Corporation.
Both Corporations founded in 1995/1996 while participating in a CRA agreement with Premier Bank, a Louisiana Bank.
CRA stands for the COMMUNITY RE-INVESTMENT Act of 1977, often stated as the most important Civil Rights Legislation ever passed by Congress.
It was passed due to the extreme discrimination, predatory lending, and red-lining practiced by our nation’s banks.
The FDIC/OCC who regulate the banks and who are the enforcer of these regulations suggest that banks enter in into CRA agreements with COMMUNITY Organizations in order to better serve the low-moderate income community.
It is suggested that banks commit up to 10% of their assets toward CRA contributions. These contributions can be negotiated by way of low interest loans etc. Only under CRA can a bank negotiate a loan below prime rates.
Other compotants, such as low interest business development loans, Block Grants etc.
In 1977 BofA negotiated a $350 Billion 4% interest commitment to ACORN for 10 years, for HUD housing development.
In 2004 JPMorganChase Bank committed $800 Billion dollars to their Community Partnership that they don’t like to call CRA for a variety of reasons. Out of this commitment they indicate on their web-site that they have dedicated $69 Billion to various organizations and individuals. An investigation will reveal that the majority of that $69 BILLION was committed to Groups, and Organizations that were not people that look like Us.

“SMART START of Louisiana” $5 Million commitment? (David Lewis)
($8 Million request for GSU 0404/06)?
How I believe we should look at the total commitments of all our nation’s banks which exceeds 4.2 Trillion dollars to date. These are normally 10 year commitments beginning April 2004. These commitments were or should have been made to African Americans in particular. The CRA act was implemented and passed in 1977. It would appear that since few banks have committed little or none of there funds to African Americans, that without interest they would owe this Community approx. 12 Trillion dollars.
In UAAD’S opinion CRA commitments should be a form of REPARATION for Descendants of Slaves. It was always meant as a penalty that Congress meant the banks to pay for their past transgressions.
JPMorganChase Bank with an $800 Billion total commitment closed both my business accounts, barred me from all their facilities throughout the US, simply because I asked them on behalf of UAAD to consider:
Allocating approx. $80 Billion for the next 5years, for Business Centers development, using HBCU’s for education and development.
Enter into a CRA agreement with UAAD and a Coalition of Community Organizations to negotiate low interest loans, block grants etc.
Negotiate an AFFINITY CREDIT Card agreement with this Group.
Understanding the reasons this Act ineffective due to:

If we don’t ask, the banks will not tell.
OCC/FDIC Prime purpose and goals are to protect the interest of the banks; therefore they will not be involved in any benefitual manner in complaints, especially if you are a Person of Color.
The Bush administration which is the overseers of the regulatory agencies, and whose Father is said to have had a long involvement with the Federal Reserves who allocate and loan monies to banks utilize such power to create “One World Order”, keeping Black Folks in poverty, never to receive Reparation form this Government. And since the Federal Reserves practically own and control the banks they are going to do their best to see that the banks have to abide by the regulations set by Congress, but the “loop hole” is that they must use “prudent banking practices” when carrying out their CRA obligations. That is to say if a low-income, poverty stricken Black Man come to your bank and ask you for a loan, and if he can’t prove that he meet the requirements with a line of credit, the bank is in compliance by not making such loans, as JPMorganChase practices this date the year 2006.
The OCC/FDIC also advise the banks, as Mr. David Lewis The Regional Director of the OCC advised UAAD and Mike Scott the VP of CRA the State of Louisiana recently that the bank was not required to enter into CRA agreements or arrangements unless they chose to do so.
Without Chase Bank entering into a CRA agreement the above mentioned Black Man, to make it short you can call him Walter, has no one to present his case whether discrimination, predatory lending existed or not.
I was told by Mr. Peter Barrett the Republican Council for one of the Financial Committees when lobbying Congress in January this year that the reason this act?? CRA was still a regulation was due to no one attempting to make it effective. He mentioned that the Democrats have tried, and they are not going to take a chance again as long as the Republicans are in Control of Congress.
Solution:
UAAD ASK ALL AFRICAN AMERICANS TO BOYCOTT JPMorganChase Bank in LOUISIANA.
UAAD believe that most other banks in Louisiana such as AmSouth and Regions are willing to provide banking services and begin adhering to CRA. Chase Bank’s Vice President of CRA Mike Scott stated African Americans were not included in The Civil Rights Act CRA, created due to banks’ predatory, and discriminatory practices in minority communities, the majority of that minority being African Americans.
An effective BOYCOTT of Chase may influence other banks in Louisiana and else where to negotiate reasonable agreements as suggested under the COMMUNITY RE-INVESTMENT Act of 1977, CRA. It is apparent that Congress, the OCC/FDIC is not going to assist most African Americans. See:
http://www.unitedaffirmativeactiondevelopmet.com/
http://www.chasebankreparation.blogspot.com/
http://www.cra-uaad-neworleans.blogspot.com/
http://www.bankwhileblack.blogspot.com/
http://www.uedcrabank.blogspot.com/
Walter L. Ellis, CEO, UAAD
uedcinc@aol.com
9/21/06

UAAD CRA PROPOSAL to NAACP
UAAD suggest that:
Mr. Kevin Williams arrange a start-up grant (contribution) of $20,000.00 to be funded by October 15, 2006. These funds will allow expenses to be paid to CRA Consultants in order to propose a $500,000.00 Contribution to Northern Louisiana NAACP CRA / UAAD non-profit affiliate.
The urgency of this request is to assist African Americans suffering AmSouth’s past and present red-lining and predatory lending in the low, moderate-income Communities. These violations are in direct violation of the Community Re-Investment Act of 1977, the most important Civil Rights Legislation ever passed by Congress.
The urgency for AmSouth is their desire to appease Organizations such as the NAACP while they are attempting to merge with Region Bank. A public hearing will be held in the very near future and both banks will be offering Organizations as little as possible to indicate to the OCC that they are meeting their CRA obligations. That obligation is that it is suggested that they contribute approximately 10% of their total assets toward CRA activities. I would believe that Mr. Williams have or will demonstrate how his bank has met those obligations for the past 2 years, which is one of the duties of the banks CRA Official. Other duties are to arrange agreements with Community Organizations to make long term agreements, up 10 years to offer low interest loans, SBA loans, Block Grants etc. to the minority community. Under CRA loans can be negotiated by the bank with 501c3 non-profits sometimes below prime interest rates. Many times these negotiations are allowed when the Community non-profit offers a micro-management of such loans, in order that the bank, protected by the FDIC and Federal Reserve insist that prudent banking practices are observed.
In addition to AmSouth’s contribution we ask that they assign a bank official that has the loan capacity to service the commitment. This official will serve on a Community loan committee that will be selected to choose paid Business Consultants who will pre approve loans, that the bank will give final approval or disapproval
This agreement is and will model on older CRA arrangements of this nature, and a recent CRA agreement with Wells Fargo Bank. An affiliate of UAAD Recycling Black Dollars was involved in these recent negotiations. This agreement is the first I am aware of that indicates that CRA was meant for People of Color. This arrangement makes a commitment of 60% to African Americans, 30% to Hispanics, and 10% to others. Although I personally don’t agree to 10% to others, it is far better than past hand-outs by banks. See: http://www.uaadcorp.com/
UAAD will be seeking similar arrangements with SCLC in New Orleans,

see:
http://www.cra-uaad-neworleans.blogspot.com/.
Walter L. Ellis, CEO UAAD uedcinc@aol.com September 29, 2006

Memorandum Seminar NCRC NO 9/25/06
A report to Dr. Martin A. Denesse,
This meeting attended this date was very informative and can be of considerable assistance in our efforts. The NATIONAL COMMUNITY REINVESTMENT COALITION (NCRC) is a well established organization with considerable skills regarding CRA issues. See: http://www.ncrc.org/ , and you may want to contact Mr. Irvin Henderson the Chairperson or Anne Pasmanick VP of Coalition Relations and ask if someone from the New Orleans area could attend our Coalition meeting(s).
A Power Point presentation was presented illustrating the after math of Katrina with Dr. Denesse explaining in clarity many of the problems.
Top officials from 11 major banks throughout the country were present, to include CRA representatives, some we have met and discussed our proposals. Rev. Thompson suggested that we invite CRA representatives from banks in the New Orleans area to our Saturday meetings. I believe this to be a good idea. I do believe that it would be more effective if the New Orleans Coalition under the leadership of Rev. Norwood Thompson CRA@UAAD New Orleans would make the invite. Mr. Kevin Williams VP of CRA AmSouth Bank was present and stated after I made remarks before the group that his bank would certainly get in touch with UAAD regarding our request for a contribution and began a process of negotiating a CRA agreement with his AmSouth Bank.

In my remarks I stated my views on how CRA should work for the Community and the Bank(s). I relayed my displeasure with JPMorganChase Bank and its approach and lack of approach to CRA. I mentioned names of Bank One’s CRA official who had done what a Community minded CRA official should do to perform their job, and was terminated by Bank One. I also mentioned that his replacement Mike Scott was a “Uncle Tom” doing Chase Bank’s dirty work for the past 10 years, helping to create the poverty and despair that exist in Louisiana prior too Katrina, after Katrina and presently. I feel that these conditions still exist, and that many would not if officials as Mr. Nathan Thornton who was attempting to perform his job as designed, had not been replaced by the likes of Mike Scott. Mark Willis VP of JPMorganChase Community Partnership out of their New York Headquarters office was also present. Mr. Willis had related to me in a telephone conversation earlier this year that Mike Scott was a fine gentleman, and he was very displeased that I was not cooperating with Mike. At this meeting after some harsh statements were made by others indicating Mr. Willis did not have the African American Community in his organizational plans, and before I was able to ask him questions, he decided it was time for him to get back to New York. Mr. Willis’s superior Mr. Jamie Dimon I understand will be speaking or meeting in New Orleans today September 26, 2006. I suggest that UAAD and others attend this and all meetings where JPMorganChase Bank officials are spreading their false propaganda, and ask why Chase Bank do not offer equal opportunities to African Americans, in order that they to can achieve “Economic Parity”.
Mr. Dimon who is described in a USA Today News article as a “Socialist”, appears to only exercise that philosophy when Caucasians are concerned.
Walter L. Ellis, CEO UAAD uedcinc@aol.com September 26, 2006
Few banks commit little or no funds to African Americans
The CRA act was implemented and passed in 1977. It would appear that since few banks have committed little or none of their funds to African Americans, that without interest they would owe the African American Community approx. 12 Trillion dollars.
JPMorganChase Bank with an $800 Billion total commitment closed both my business accounts, barred me from all their facilities throughout the US, simply because I asked them on behalf of UAAD to consider:
Allocating approx. $80 Billion for the next 5years, for Business Centers development, using HBCU’s for education and development.
Enter into a CRA agreement with UAAD and a Coalition of Community Organizations to negotiate low interest loans, block grants etc. http://www.cra-uaad-neworleans.blogspot.com/
Negotiate an AFFINITY CREDIT Card agreement with this Group.
http://www.chaseuedcaffinity.blogspot.com/
http://academic.udayton.edu/race/02rights/repara30.htm
http://www.chasebankreparation.blogspot.com/
UAAD ASK THAT AFRICAN AMERICANS BOYCOTT JPMorganChase Bank
Walter Ellis, CEO UAAD uedcinc@aol.com http://www.moveon.com/ September 21, 2006

How CRA can benefit KATRINA Victims
As stated by Hugh B. Price than President of the National Urban League, “most people who live outside of Washington DC have probably never heard of the Community Reinvestment Act. Yet though unsung, the CRA is one of the most important pieces of civil rights legislation Congress has ever passed. He went on to say “Congress passed the Community reinvestment Act in 1977 in response to clear evidence of the noxious effects of “redlining” – the systematic refusal of lenders to provide loans to businesses, homeowners and prospective home buyers in particular neighborhoods, especially those which were predominantly Black or Hispanic. http://www.uaadcorp.com/. United Affirmative Action Development Corporation (UAAD) a 5013c non-profit whose principle goals are to provide an instrument beneficial to both the bank and the community it serves. It allows our members an entry into this financial institution, and at the same time allowing the bank its obligation of safe and sound banking practices.
http://www.chasebankreparation.blogspot.com/ http://www.uaadcra.blogspot.com/

A CRA Proposal from UNITED EQUITY DEVELOPMENT CORP (UEDC) To All Banks in the State of Louisiana for Hurricane
KATRINA Recovery.

UEDC an affiliate of UNITED AFFIRMATIVE ACTION DEVELOPMENT CORP (UAAD) a 501c3 non-profit propose to create a coalition of small and large banks in the state of Louisiana in order to provide low, moderate-income individual and small businesses to include African Americans (AA) the necessary funding in order to recover from KATRINA, and its aftermath.
The suggestions of the COMMUNITY RE-INVESTMENT ACT of 1977 (CRA) is that banks commit at least 10 percent of their assets toward CRA activities. These set asides can be in the form of low interest loans, or contributions.
CRA a part of the civil rights legislation of 1977 was created due to predatory lending, red-lining and discrimination on the part of our nation’s banks.
see: http://www.uaadcorp.com/ / http://www.chaseuedcaffinity.blogspot.com/
http://www.chasebankreparation.blogspot.com/
UAAD/UEDC will organize a coalition of banks, community organizations, in order to benefit the Hurricane victims. Such a coalition will benefit the banks, low, moderate-income to include AA. / http://www.bankwhileblack.com/
Although UAAD/UEDC has in excess of 20 years involvement in CRA, we are aware that the success of accomplishing our goals we will need a commitment from our nation’s banks, FDIC, Office of the Comptroller of the Currency (OCC) and as many community organizations that will join with us in order to assist the KATRINA victims and others. Our nation’s banks have in excess of $4.2 trillion dollars in CRA commitments. If the CRA ACT has any significance or purpose, now is the time for it to be implemented. See: http://www.uedcinc.com/
EDC would like for those receiving the above document to review and comment. We are meeting with a local bank’s CRA official here in Ruston, LA to present this proposal. We propose a 5 year commitment of 10 percent of assets to be administered by UAAD and other established community organizations. We will be negotiating for UAAD and the coalition will require a reasonable percentage in advance to administer these programs.
See: http://www.uaadcrahbuc.blogspot.com/
We anticipate your in-put and participation.

A CRA Coalition Suggestion for COMMUNITY Organizations - New Orleans
United Affirmative Action Development Corp (UAAD), a 501c3 non-profit, and United Equity Development Corp (UEDC), a for profit, propose a coalition of Community and Civil Rights organizations to develop methods to raise funds utilizing the COMMUNITY RE-INVESTMENT Act of 1977,( CRA).
CRA, a part of the civil rights legislation of 1977 was created due to predatory lending, red-lining and discrimination on the part of our nation’s banks.
http://www.chaseuedcaffinity.blogspot.com/

UAAD / UEDC propose to assist in organizing Community Organizations to specifically address CRA issues in the Gulf Coast pertaining, in particular, to those banks serving New Orleans and the Katrina Victims. Our efforts will be to seek funds that have been allocated to low-moderate income individuals because of the banks’ discrimination, past and present, red-lining in the African American and minority communities. These funds exceed in excess of $100 Billion Dollars that banks have in their CRA commitments as of September 11, 2006.
As the CEO of UAAD / UEDC and founder of these organizations, I ask each of your organizations with missions such as ours to join in a collaborative effort to assist African Americans in particular to reach “economic parity”. see: http://www.uaadcorp.com/

It is the intent of UAAD to post all relevant information pertaining to its and the affiliate coalition partners information on UAAD /UEDC’s, blogs, web-sites, http://www.moveon.com/, news media in order to publicize our efforts and goals.
UAAD ask that each of you join and assist to make this a combined effort to negotiate, and implement a $100 Billion CRA arrangement that will allow African Americans and many others to reach “ECONOMIC PARITY”, long past due.

UAAD/UEDC Hurricane Victims Recovery (HVR) Louisiana Bank Proposal
Attn: CRA Representative
UEDC an affiliate of UNITED AFFIRMATIVE ACTION DEVELOPMENT CORP (UAAD) a 501c3 non-profit propose to create a coalition of small and large banks in the state of Louisiana in order to provide low, moderate-income individual and small businesses to include African Americans the necessary funding in order to recover from KATRINA, and its aftermath.
UAAD will seek a contribution of 3% of each banks CRA commitment to develop the following programs:
Mobil office and trailer units. These vehicles will be used to service the Hurricane Victims and others. Units will be staged at organization sites, churches, colleges and other locations to assist low-moderate income individuals in loan applications, credit repair, business assistance, legal and other mobile assistance. See: http://www.uaadcorp.com/
Promote Coordinate efforts with participating banks to bring financial aid to Hurricane Victims and others. See: http://www.uaadcra.blogspot.com/
Cost per Unit(s): $250,000.00 Mobil RV and Trailer
Operational Cost 6 months: 75,000.00
Total $325,000.00

Units will promote contributing banks logo and contribution.

UAAD is in the process of negotiating a low interest Affinity Credit Card that will benefit other participating banks members. See: http://www.chaseuedcaffinity.blogspot.com/, credit card program.

UAAD anticipate that the majority of the banks in Louisiana will join and participate in this Hurricane Recovery program.

United Affirmative Action Development Corporation, a 501c3 non-profit, would like to meet with your CRA representative. We would like to have a copy of your CRA files and to discuss the following:

A CRA Proposal From UNITED EQUITY DEVELOPMENT CORP (UEDC) To All Banks In The State of Louisiana for Hurricane
KATRINA Recovery.
The suggestions of the COMMUNITY RE-INVESTMENT ACT of 1977 (CRA) is that banks commit at least 10 percent of their assets toward CRA activities. These set asides can be in the form of low interest loans, or contributions.
CRA a part of the civil rights legislation of 1977 was created due to predatory lending, red-lining and discrimination on the part of our nation’s banks.
see: http://www.uaadcorp.com/ http://www.chaseuedcaffinity.blogspot.com/
http://www.chasebankreparation.blogspot.com/
UAAD/UEDC will organize a coalition of banks, community organizations, in order to benefit the Hurricane victims. Such a coalition will benefit the banks, low, moderate-income to include AA. http://www.bankwhileblack.com/

Utilization of funds:
Finance down payments to low-moderate-income for home purchase, (based on programs JPMorganChase Bank has established).
Provide low (no interest loans to hurricane victims)
Provide low interest business loans to small businesses. (Lower to Katrina Victims).
Contributions to HBUC’s, to increase CRA activities and scholarship programs.
Establish Micro-business Centers at all HBUC’s and other locations where needed. Centers will be assisted by Community Organizations and small banks. Small banks will also serve and assist on Community Loan Committees.
In addition to low interest loans, assistance from business centers, our members will also benefit from UAAD/UEDC’s low interest AFFINITY CREDIT CARD being negotiated with JPMorganChase Bank.
Although UAAD/UEDC has in excess of 20 years involvement in CRA, we are aware that the success of accomplishing our goals we will need a commitment from our nation’s banks, FDIC, Office of the Comptroller of the Currency (OCC) and as many community organizations that will join with us in order to assist the KATRINA victims and others. Our nation’s banks have in excess of $4.2 trillion dollars in CRA commitments. If the CRA ACT has any significance or purpose, now is the time for it to be implemented.

See: http://www.uedcinc.com/
We propose a 5 year commitment of 10 percent of assets to be administered by UAAD and other established community organizations. We will be negotiating for UAAD and the coalition will require a reasonable percentage in advance to administer these programs.
See: http://www.uaadcrahbuc.blogspot.com/
We anticipate your in-put and participation.
UEDC will ask small banks to contribute administration assistance in lieu of cash contributions. Such contributions will be in the form of business consultation, serving on community loan committees, teaching CRA and banking in HBUC’s etc. Larger banks will be asked to contribute at least 10 percent of their assets toward these proposed projects for the next 5 years. We believe the FDIC/OCC will consider this proposal to be practical and meet the requirements of the bank(s) obligation to meet prudent banking practices as required under the Community Re-Investment Act of 1977 (CRA).

Memo: Meeting June 30, 2006 Mr. Jack C. Dollins, Jr. re: low-income property finance, Mobile office purchase / CRA agreement with Regions Bank.

This meeting was held with Mr. Jack C. Dollins, Jr.
Senior Vice President
Commercial Lending Division
Regions Bank
1500 18th St

Monroe, Louisiana 71201

Present at this meeting was Walter L. Ellis myself representing United Affirmative Action Development Corp (UAAD) a 501c3 non-profit, and also United Equity Development Corporation (UEDC) a for profit corporation.
Matters discussed:
Regions Bank financing a Mobile office unit and trailer at a cost of approximately $350,000.00 to promote UAAD/UEDC’s CRA program. (taking banking to the community). Mr. Dollins indicated Regions would entertain financing these units.
A request was made to finance low and low-moderate income properties at 315 Neal St. Ruston, LA. This development is to build income property using tax credit advantages offered by the State of Louisiana. Mr. Dollins stated the bank would most likely participate in this development. Various consultants would be recommended by Mr. Dollins for this development.
A request was made for UAAD to enter into CRA agreement with Regions Bank to promote:
Affinity Credit Cards
Low interest loans to our members, Hurricane Victims in Louisiana in particular.
Mr. Dollins stated he would put me in touch with the bank’s regional CRA representative and the Corporate representative to discuss UAAD’s CRA concerns. He stated that the loan request would be handled by his department.
Business Plan
(DRAFT PROPOSAL)
United Equity Development Corporation (UEDC)
& United Affirmative Action Development Corporation (UAAD)
The plan is to purchase one mobile unit at a price of approximately $350,000
30 ft office trailer (selfcontained) 40,000
Wages:
Driver/Office Manager- 6 monthssalary 25,000
Asst/Office Manager- 6 months salary 20,000
Fuel:
25 gal @ $3.00 a gal per day =

$75.00 a day x 30 = $2250 per
month x 6 = 13,500
Maintenance & Upkeep:
6months 9,000
Communications: 6,000
OfficeSupplies: 1,500
______ Total $75,000
Consultants 150,000
Equipment:

100 Mobil Units 15,000,000
Salaries: 25,000,000
Operation Cost:
1st 6 months – 10 units @ $30,000 3,000,000
Total $43,000,000
Return to Financial Institutions:
I. Bank(s)
a. Members & non-members will patronize the banks
b. Members & non-members nationwide will utilize the banks
c. Members & non-members will participate HUD & Business

II. Verizon – Nationwide participation

III. Diamler Chrysler- Nationwide/world wide- autos, trucks, RVs, etc

Community Trust Bank
Low Income Housing 50,000

Chase Bank
Low Income Housing 250,000

Down Payments – HUD loans @ 4% or less
Lincoln Parish

CTB - $50,000 bank grant
Chase – 5,000,000 bank grant
SBDC – Loans (SBA) – Business development
Walter Ellis BOD / Consultant
Operation Center – Jonesboro, LA
UAAD – 2%

Mobile Unit – UEDC/UAAD
Dr. Simmons – BOD / Consultant - 20% int. in UAAD
Larry

1st Unit Operation: HVR
New Orleans – 9th ward
Assist – HUD –Business Development
Coordinate – Title search, etc – mobil trailer

At least once per week – church group
Truck Stops
Colleges/Universities
Small Business Centers

1,000 students & community personnel
HUD Loans
Business Loans
Credit Repair

Salaries: $20,000 yearly average x 1,000 = $20,000,000
$20 million salaries & benefits
Duties
Supervision:
UEDC
GNLCDC
Operation Hope
ACORN
100 mobil units – 600 sq ft office space
Cost: $150,000 each = $15 million
Income 1st 6 months:
I. Membership – Louisiana 1,000 per week @ $10 per member $26,000
II. Verizon Service $26,000
III. SBDC @ 2% per loan $20,000
IV. Affinity Credit Card $25,000
V. HUD
Verizon – HVR Low/Moderate
Free phones- free Verizon to Verizon – 100 minutes free anytime

Daimeler Chrysler: Vehicles $20,000 and under
No down payments (150.00) no maintenance

Lowe’s – 50% discount

100 students from each HBUCs, ROPE @ reasonable wages

ERRONEOUS STATEMENTS BY OCC AND WHY ????

Dear PHONEY OCC Rep. lg signed below. There is no correspondence from Walter Ellis filling a complaint against Whitney Bank and you know so. This is another conspiracy on the part of your agency to indicate how far the OCC will go in order to protect this agency’s illegal actions. I spoke to Ms. Henderson this PM 9/14/06 and she did not indicate I had filed a complaint. In fact here is the correspondence I received from Ms. Henderson, the Community Affairs Officer of Whitney Bank.

Received on 9/13/06
Mr. Ellis & Rev. Thompson:
I hope this note finds you gentlemen well. As promised, I have listed below the names of several non-profit groups in the New Orleans area that serve low and moderate income families. These groups are providing some of the services you spoke about in our meeting such as, credit & homebuyer counseling, small business and consumer lending, and housing development. I believe a conversation with representatives of these groups will give you some additional information regarding the role that local non-profits are playing in assisting with the rebuilding of our City. There may be opportunities to develop partnerships around a common mission.
I hope this helps. Thanks, Sunada Henderson
Neighborhood Housing Services of New Orleans
Lauren Anderson Executive Director
4700 Freret Street.
New Orleans, LA

Neighborhood Development Foundation
Rosalind Peychaud Executive Director
Fred Johnson Outreach Specialist
220 Camp Street
Suite 532
New Orleans, LA

Hope Community Credit Union
Lynette Colin
1728 Oretha Castle Haley Blvd.
New Orleans, LA

First Evangelist Housing & Community Development
Rev. Taylor
Mrs. Marion Taylor

Federal Reserve Bank of Atlanta
Nancy Montoya Community Affairs Officer

It is apparent that your agency intends to disrupt any procedure that will benefit African Americans. I spoke with Ms. Nancy Montoya at approximately 11:45AM (9/14/06). Ms. Montoya stated she would contact me after 5pm this date to discuss UAAD 's involvement in actions of the Federal Reserve. It is 5:00am (9/15/06) and I haven't received a courtesy call from Ms. Montoya. I have e-mailed Ms. Montoya
nancy.montoya@frb.atl.org
Federal Reserve Bank of Atlanta
Nancy Montoya Community Affairs Officer
504 593-3256 this is the number I reached her today if you want to confirm.

The games your agency plays the public should be aware!
Walter L. Ellis, CEO UAAD- uedcinc@aol.com

From: Customer.Assistance@occ.treas.gov
To: uedcinc@aol.com
Sent: Thu, 14 Sep 2006 7:20 PMSubject:
RE: Meeting with Whitney Bank Officials
re: CRA funds to assist KATRINA Victims
Dear Walter L. Ellis,
This is in response to your Internet correspondence to the Office of the Comptroller of the Currency (OCC), Customer Assistance Group (CAG). CAG answers questions and assists consumers in resolving complaints against national banks. The focus of the OCC’s review of consumer complaints against national banks is to determine whether the bank’s actions are consistent with banking statutes, regulations or any policies that are applicable to nationally chartered banking institutions.
Your email does not detail any complaint against Whitney National Bank, please provide a detailed explanation of your complaint with the bank in order for your concerns to be reviewed.
The OCC will act on complaints and inquiries that are submitted in writing and signed by the account holder. The Right to Financial Privacy Act (RFPA) governs the disclosure of financial records of individual bank customers to agencies of the federal government.
Once we receive your signed complaint, we will begin our review of the matter. Your complaint letter should be sent by FAX or U.S. Mail along with any attachments or supporting documentation.
Required information necessary to process your complaint or inquiry, if applicable:
1. your complete name and mailing address as used by the bank;
2. the full name and location (city, state) of the bank;
3. your account number(s) and type of account;
4. a detailed explanation of the complaint or inquiry and description of how you would like the matter resolved;
5. signature of the account holder, legal guardian, Power of Attorney or other person authorized to act in place of the account holder. If you are not the account holder, you must include documentation indicating your authority.
Please include your assigned case number, #656153, on any written correspondence. Your complaint may be delayed if we do not get the required information.
If your Email message contains the required information as cited above, you may sign your Email message and send it with supporting documentation or correspondence to the address below:
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
Our fax number is (713) 336-4301. If you have any questions, please contact this office directly at 1-800-613-6743 Monday through Thursday from 9:00 am until 4:00 pm and on Friday from 9:00 am until 3:00 pm Central Time and refer to Case #656153.
We handle a large volume of Emails. Since you have been assigned a case number, we request that you communicate with us through phone (800-613-6743), fax (713-336-4301), or regular mail as we do not process complaints by Email. Future email communications from you concerning these issues will be appropriately filed but will not generate a response.
Please be reminded that e-mail is not secure against interception. Do not include sensitive information of a personal or confidential nature – such as your bank account, credit card, or social security number – in an email or email attachment.
For additional information on complaint processing, go to our website at www.occ.treas.gov and click on Consumer Complaints and Assistance in the left column of choices.
Sincerely,
Customer Assistance Group
lg
656153

From: uedcinc@aol.com

Sent:Wednesday,September13,20062:18PM

Subject: Meeting with Whitney Bank Officials re: CRA funds to assist KATRINA Victims
Memorandum of Meeting held Whitney Bank 9/12/06

This meeting was held with:
Ms. Sunada Henderson VP Community Affairs officer, and
Mr. Richard Ainsworth VP Community Affairs department
At: 228 St. Charles Ave, (conference room)
New Orleans, LA 70130,
This meeting was held at the request of UAAD to receive and discuss if and how UAAD and its coalition partners could improve this banks’ CRA activities. Walter Ellis CEO of UAAD requested the meeting. Rev. Norwood Thompson the Acting director of CRA-SCLC-New Orleans was also present.
After being told by both CRA officials of the bank that the bank had an outstanding CRA rating by the OCC Office of Comptroller of the Currency, we further discussed that UAAD and other agencies would possibly not agree with that rating.
Mr. Ainsworth suggested that we submit a more detailed proposal for what we were seeking from the bank. My statement to Mr. Ainsworth was that we would need some start up funding from his bank in order to hire professional expertise, and in order to submit such request our purpose for the meeting today was to seek funding in order that UAAD might assist the bank in an agreement to assist the African American community as suggested under the Civil rights act CRA that was implemented due to the banks failure to allow "economic parity", while practicing prior and present discrimination, and red-lining in these communities.
Mr. Ainsworth stated that African Americans were not mentioned in CRA. He also stated that his bank does not enter into CRA agreements. He did state that his bank donates to other organizations such as the Girl Scouts in order that they may pass such contributions to Minorities.
I related to the bank officials that it was my understanding from negotiating a similar agreement with Premier Bank, when a CRA official Mr. Nathan Thornton was the VP of CRA, and had expressed to me that he felt it was his duty to assist the community in making available products and programs of the bank. Mr. Thornton made great strides in carrying out that commitment prior to Bank One who purchased Premier Bank. In my opinion Bank One may have dismissed Mr. Thornton for doing what is right for African Americans. Bank One replaced Mr. Thornton with a CRA representative with the attitude and possible commitment of Mr. Ainsworth and Ms. Henderson.
When asked if Whitney Bank would contribute $5,000.00 to UAAD and the Community coalition here in New Orleans Mr. Ainsworth suggested that we meet with Ms. Nancy Montoya with The Federal Reserve who may assist in such funding. He indicated that she was arranging a coalition of banks and that may be the proper forum for UAAD to present a funding request.
UAAD received Whitney Bank’s CRA activity report, and will pass it on to Recycling Black Dollars RBD (Banks CRA Ratings) for evaluation, see; http://www.uedcrabank.blogsopt.com/,

Walter L. Ellis, CEO UAAD uedcinc@aol.com

CRA/OCC COMPLAINT: JPMorganChase Bank (case#617-354)

Ms. Jee, Mr. Lewis OCC Officials please see that this and all complaints are entered in Chase Bank Branches nation wide for Public View under 12CFR43.25, complaint #617-354 of the CRA regulation.
We are also awaiting a determination from your office on JPMorganChase Banks authority to cease UAAD officials from entering and inspecting their public files for complaints under 12CFR43.25 of the CRA regulations
Mr. Mark Willis VP Community Partnership JPMorganChase Bank please enter this and all complaints in Chase Bank Branches nation wide for Public View under 12CFR43.25, complaint #617-354 of the CRA regulation.
We are also awaiting a determination from your office on JPMorganChase Banks authority to cease UAAD officials from entering and inspecting their public files for complaints under 12CFR43.25 of the CRA regulations

United Affirmative Action Development Corporation (UAAD) a 5013c non-profit and United Equity Development Corporation (UEDC) a for-profit Community organization whose principle goals are to provide an instrument beneficial to both the bank and the community it serves, a means to allow our members an entry into this financial institution, and at the same time allowing the bank to fill its obligation of safe and sound banking practices.
As stated by Hugh B. Price than President of the National Urban League, “most people who live outside of Washington DC have probably never heard of the Community Reinvestment Act. Yet though unsung, the CRA is one of the most important pieces of civil rights legislation Congress has ever passed. He went on to say “Congress passed the Community reinvestment Act in 1977 in response to clear evidence of the noxious effects of “redlining” – the systematic refusal of lenders to provide loans to businesses, homeowners and prospective home buyers in particular neighborhoods, especially those which were predominantly Black or Hispanic.”

Comptroller of the Currency
Administer of National Banks
Ms. Delora Jee, Deputy Comptroller
250 E. SW
Washington, DC 20219
Re: Complaint # 617-354

Ms. Jee,
My name is Walter Ellis CEO of United Affirmative Action Development Corp (UAAD) a 501c3 non profit, negotiating a CRA agreement with JPMorganChase Bank. On 02/27/06 I spoke to you by phone from Congressman Conley’s office. The question was regarding JPmorganChase Bank’s adherence to 12CFR43.25 regarding disclosure of branches public files. You stated that though they do not have to provide their two year CRA activities as a small bank is required, they are required to have available in each branch any and all complaints filed. These complaints must be made available to 501c3 organizations, and the public. The OCC supervisor Ms. Sharon Gilstrap advised me on several occasions that such complaints should be made available to organizations and the public.

On April 4, 2006 I met with JPMorganChase Bank officials and Mr. David Lewis the Community Affairs Officer for the OCC whose region covers Louisiana. Mr. Lewis assured me that such complaints would be made available. I later received a letter from JPMorganChase Bank that I could not enter “any” JPMorganChase Bank branch, due to my complaints.

On May 04, 2006 I spoke to Mr. David Lewis regarding this complaint. Mr. Lewis stated that the bank could not bar me from entering their branches. Mr. Lewis stated also that he would investigate my complaint and would get back in touch with me the first of the week. It is now May 13, 2006 and Mr. Lewis has not returned my call.

This date I received a letter Debra Baker OCC Service Manager, (attached). This letter appeared to be a smoke screen on the part of your agency that intentionally would not address the issue of the banks responsibility of posting complaints in their public file as you and Ms. Gilstrap stated they were required.

The reason for this smoke screen on behalf of your agency in my opinion is two-fold:
Your agency does not want to investigate JPMorganChase Bank because you state it is a conflict of interest on your part.

If your statement on 2/2706 is a true statement that complaints be in the public files, and Ms. Gilstrap stating on several occasions that this is the case, than it is apparent that the letter I received this date from Ms. Baker is a smoke screen created by your agency, see:
http://www.uaadcorp.com/ , and click on “Federal Agencies and Banks Collaborate”,
http://www.uaadcra.blogspot.com/
Ms. Jee I would like a reply from your office as soon as possible. If my complaint is legit, it is another example of why when African Americans complain, they need to hire an attorney according to Ms. Baker, and when Caucasians complain Federal Agencies investigate and prosecute.
Respectfully,
Walter L. Ellis, CEO UAAD
uedcinc@aol.com

It appears that Chase Bank on their web site regarding their Community Partnership Program is assumed to take the place of their CRA program. CRA is mandated by the CRA act of 1977 to address the red-lining and discrimination practiced by the banks. It appears that Chase after its various mergers and is regulated by CRA is now forming a related department that may or may not meet the requirements of CRA. See previous complaint: http://www.federalreserve.gov/events/publicmeeting/19980813/panel16.htm
August 24, 1999 United Equity Development Corporation (UEDC) attempted to negotiate an Affinity Visa Credit Card agreement with FIRST USA PARTNERS, a division of Bank One, at a low interest rate for African Americans and those who have been unrepresented by banks.
April 28, 2006 UAAD negotiated with JPMorganChase Bank an Affinity Credit Card Agreement. See: http://www.chaseuedcaffinity.blogspot.com/
Memo of conversation with Chase Bank officials (9/23/05)
This pm I contacted Ms. Gloria Reynolds via phone (214)651-8189 regarding a request to enter into negotiations under the COMMUNITY RE-INVESTMENT ACT of 1977 (CRA) in order to address the needs of low income, moderate income individuals, and especially those suffering from the hurricanes.
Ms. Reynolds first stated the bank do not have any special programs regarding these victims, other than an employee contribution within Chase Bank. She did advise that if special type loans were needed for individuals such as me or victims of the hurricane, I would have to speak to the bank’s Shreveport, LA. Office with Charlita Coleman. Ms. Reynolds stated she would give me a “yes or no” answer regarding my request that had gone from their New Orleans office to Chicago IL., than back to New Orleans, than to Dallas, TX. This request, a part of which is on www.unitedaffirmativeactiondevelopment.com web site which I believe clearly indicates the request of UAAD to enter into a CRA agreement to address the present and past red-lining and discriminatory practices of Chase Bank/ Bank One. When asked if she, Ms. Reynolds, was the proper official to discuss this matter with, she indicated she was and later gave a confusing answer as to what her position would entail. In a later phone conversation, Ms. Reynolds indicated she would review my request on the web site and make an attempt to give me an answer this p.m. When I indicated to Ms. Reynolds that Ms Coleman had advised that I would have to talk to a no named official in their New York office, Ms. Reynolds stated she would be doing so, but had not yet determined who that official would be at this time.
While speaking to Ms. Coleman, and asking her what programs Chase provide for low, moderate income individuals under CRA regulations, she fumbled through several, but none provided directly by Chase Bank. Ms. Coleman did state that if my non-profit organization was involved in HUD housing development, and we could show that involvement, the bank would entertain a partnership program if our organization met their requirements. I asked Ms. Coleman to e-mail me the Bank’s requirements. Ms. Coleman stated I would have to first fax or e-mail her my qualifications. What I am suggesting by repeating these conversations is that these individuals both Ms. Reynolds, Ms. Coleman, Mr. Scott and others are employed by Chase/Bank One to block organizations such as UAAD/UEDC from entering into any worthwhile agreement as regulated by the FDIC/OCC under the CRA Act. Walter L. Ellis CEO UAAD/UEDC

Ms. Reynolds (September 27, 2005)
I received your email dated 9/26/05 and your bank’s most recent performance evaluation for Bank One (all 274 pages).
On a separate note I asked whom I would speak to or could meet with in order to discuss a CRA agreement with Chase Bank/Bank One. Your reply was that individual who at the time of our conversation you were unable to identify, would be in your Chase Bank, New York office. You stated it would be the following week before you could contact that individual. You also stated you would pass on that information when you contacted him or her. I also asked what your position with the bank was and if you were a CRA official capable of discussing an agreement and you again stated that person is in the New York office.
You didn’t give me your position with the bank and I would appreciate knowing what your title is in the event UAAD may enter into an agreement with Chase Bank as you related that there were other opportunities offered by your bank to assist community organizations such as UAAD, a 501c3 non-profit.
I asked that you review our web site in order for you to understand that Bank One when it purchased Premier Bank, UAAD was invited by Premier to assist in enhancing its CRA programs. Bank One CRA officials also discussed agreements with UAAD, verbally and in writing. After the merger was finalized UAAD filed a complaint with the FDIC and OCC due to the bad faith negotiations on the part of Bank One. (documents are available)
So I say to you, Ms Reynolds that I strongly object that you would accuse UAAD or me of making false accusations regarding Chase Bank being involved in discriminatory practice, but according to Premier and Bank One officials, they clearly stated that their banks were guilty of both red-lining and discriminatory practices. There may come a time when these charges can be brought out for Congress, the courts and the public to review. I personally do not need your web address in order to find the nearest Chase Bank, I’m aware of Chase Banks lending practice to African Americans, in particular, and believe that our CRA proposal will assist in alleviating your bank’s present and past performance.
UAAD’s aim and goals is to assist Chase Bank in providing economic parity to “all” in the community your bank serves. Our proposal entails programs that will allow Chase Bank to enter into an agreement with benefits for the community and “Chase Bank consistent with safe and sound banking practices.
Your immediate reply would be appreciated. Sincerely, Walter L. Ellis, CEO UAAD/UEDC

Memo: Meeting with Chase Bank officials (September 29, 2005)
I met with Ms. Charlita Cloman, Vice President, and Community Partnership Mgr at Chase Bank in Shreveport, LA. The purpose of this meeting was to discuss Chase Bank’s CRA or Community Partnership or any program Chase Bank may have to assist United Affirmative Action Development Corp (UAAD) and its members in entering an agreement. Ms. Cloman indicated that she will set up a telephone conference that included Mike Scott and Gloria Reynolds since I had been speaking with them regarding negotiations for a CRA agreement. The telephone conference was implemented by Ms. Cloman. Mr. Scott spent considerable time regarding his displeasure with me making unfair statements regarding his bouncing my proposal from bank official to bank official. He also appeared upset regarding my frequent statements saying that the CRA Act also addressed the red lining of Blacks, African Americans to include low and moderate income. My explanation of using African Americans as victims of the banks wrongful act, to include Chase Bank was my belief that the Community Re-investment Act of 1977 was implemented due to the banks policy of red lining in the African American community, past and present. Mr. Scott went on to say, with Ms. Reynolds’ backing, that Chase Bank had no obligation to adhere to the Community Re-investment Act of 1977.
Upon this remark being stated in a different manner on several occasions, I advised Mr. Scott that I would reply to our conversations on UAAD’s web site and would email my reply to Chase bank officials.

Mr. David Lewis, Community Affairs Officer March 15, 2006
Office of the Comptroller of the Currencey
500 N. Akard St., Suite 1600
Dallas, TX 75201

Dear Sir,
Due to previous complaints UAAD has made against Bank One and Mr. Mizell Scott’s failure to respond, we ask that your office make this complaint official.
A recent complaint #617-354 was filed at the Houston, Texas office of the OCC.
Bank One / JPMorganChase Bank fail to allow UAAD and others to view their public files as required under 12CFR25.43.
Bank One failure to honor previous agreements entered into by UAAD.
Bank One failure to provide loan applications to minorities.
Bank One failure to disclose CRA activities.
Bank One failure to recognize African Americans as CRA recipients.
Bank One failure to provide financial assistance through their CRA activities, or Community Partnership arrangements.
Bank One JPMorganChase’s failure to include African American Community Organizations in their Community Partnership programs in a manner benefitual to the African American Community.
JPMorganChase Bank”s promise to pay $5 million dollars in reparation payment to descendants of slaves.
Mr. Lewis I ask your immediate attention to this complaint and provide me in writing how your office can assist.

JPMorganChase Bank’s commitment to “REPARATION”????????????
After making a commitment to “REPARATION” of a measly $5 million dollars, this bank’s intent is to distribute these substandard funds in a manner that it will benefit Caucasians and very little to African Americans. This is a similar manner in which Chase bank distributes its Community Partnership funds that should be meant for African Americans. See: http://www.uaadcorp.com/. This is the manner in which JPMorganChase Bank has operated since they held Slaves as collateral. JPMorganChase Bank committed $800 billion dollars in 2004 that should have been for “REPARATION”, but instead has been committed to the advancement of Caucasians. This administration and its regulatory agencies support JPMorganChase and its racist discriminatory practices. UAAD ask Move-On, Congress, to assist in ending these practices. There is no reason why these commitments by Chase and other banks in excess of $4.2 trillion dollars shouldn’t be used to assist the hurricane victims and other African Americans in need, suffering since slavery. See: http://www.bankingwhileblack.blogspot.com/

February 26, 2006
While lobbying Congress and the Office of the Comptroller of the Currency (OCC) regarding JP Morgan/Chase Bank’s non-compliance of the Community Re-Investment Act of 1977 (CRA) a Civil Rights Legislation, the following is my report;
The purpose of lobbying was to present proposals that United Affirmative Action Development Corp (UAAD) a 501c3 non-profit community organization, wished to express how funds in excess of $800 billion dollars that Chase Bank has committed towards fulfilling it’s obligation under CRA, can assist the Katrina victims.
The sooner Chase Bank makes a commitment to African Americans as it has to others, the sooner economic parity will be obtained. Chase Bank should not meet the requirements of CRA mainly because of this legislation. They should feel obligated to serve the needs of the entire community no matter of color or gender. Mr. Mizell Scott who serves as Vice President of Chase Bank’s CRA for the State of Louisiana expresses the views of Chase Bank when he has stated on more than one occasion that it is his and Chase Bank’s view that CRA was not meant for African Americans, and Chase Bank doesn’t have to adhere to UAAD’s views. Mr. Scott and other Chase Bank CRA officials also express that they are proud of Chase Bank’s CRA performance.
According to the latest CRA Performance Evaluation March 31, 2004 by OCC, in my opinion the State of Louisiana must have the worst report of all the States in which Chase Bank operates. See: www.uedcinc.com/id18.html According to the same report it is recommended by the OCC that Chase Bank should involve community organizations in order to improve their performance. See; http://www.uaadcorp.com/ for more information regarding this complaint.

Conversation today with Mr. Lewis that there is a good possibility of implementing and getting funding our proposed programs at GSU and othe HBUCs. This proposal is to establish a chair, a business center, scholarships and other educational benefits for the community.
I received a call from Mr. David Lewis who represents the OCC compliance in the southern area. His request was that I hold off my complaints, and he would assist in our organization getting the necessary funds to promote our CRA activity proposals. He indicated the HBUC's and similar programs would more than likely be supported by the OCC and banks. He basically asked if I would set aside the protest and complaints, he would probably be able to convince the bank(s) to service the needs of the community. I will be in contact with Mr. Lewis in the next few days arranging a meeting (forum) at Grambling State University between April 3-6, 2006. I would ask your assistance in arranging this forum if available. I believe this will be an opportunity to present and place worthwhile programs in the community. Your organizations assistance will help make these programs the success they deserve.
Walter L. Ellis CEO UAAD 2/28/06

The cause of poverty prior to Katrina (March 9, 2006)
CNN is doing a fair job of exposing racism and discrimination in America. United Affirmative Action Development Corp (UAAD) a 501c3 could use your and others assistance in exposing our nation’s banks predatory lending and red-lining practices which has been the major contributor to this problem. With proper exposure and investigation it is believed that banks will be persuaded to provide the necessary assistance long past due African Americans in particular. http://www.uaadcorp.com/
The discriminatory practices of regulatory and law enforcement agencies helped to create the conditions African Americans were exposed to in New Orleans in particular. When a few thousand Enron employees, the majority being Caucasian were harmed, our Justice Department spent millions of dollars and thousands of man hours protecting the interest of those in need. For the good of society all citizens should and deserve such protection. When JPMorgan Chase Bank admits to using slaves as collateral, and are allowed to continue predatory lending practices after such crimes, rather than prosecution they are protected by The FDIC and OCC. Regulations enacted under civil rights benefiting African Americans are seldom enforced.
(see: and http://www.bankwhileblack.blogspot.com/.)

March 4, 2006
Proposal to JPMorgan / Chase Bank to establish Professorships and Business Development Centers at Grambling State University (GSU), all HBUC’s and other colleges and universities in the state of Louisiana.
UAAD request a grant from Chase Bank for the following purposes:
To establish Professorships at HBUC’s in order that students become more informed of all the benefits of the banking industry.
To establish off campus a business development center. This center will benefit the community in which the bank(s) serve, and will allow for equitable distribution of banks’ community partnership or CRA funds available to low-moderate income individuals.
In order that UAAD can facilitate this request we are asking Chase Bank to support this project in the following manner:
A grant of $20,000.00 to cover cost of arranging conferences related to this proposal. To also prepare a comprehensive proposal to request funding for:
Professorships at GSU $600,000.00
Administration support $400,000.00
Building $500,000.00
$1,500,000.00
Dillard University $1,500,000.00
Southern University $1,500,000.00
Xavier University $1,500,000.00
Louisiana Tech $1,500,000.00
Univ of LA @Lafayette $1,500,000.00
Other Universities and Colleges with established
Business Development Center $1,000,000.00
Total $8,000,000.00

A plea to President Bush’s compassion March 8, 2006
Mr. President,
African Americans are concerned along with all citizens of Louisiana regarding your commitment to the hurricane victims. Our nations banks claim to have a commitment to assist low-income, moderate-income individuals that should include African Americans under civil rights legislation, meant for African Americans, a regulation named THE COMMUNITY RE-INVESTMENT ACT of 1977 (CRA). This act was implemented due to racism, red-lining and discrimination practiced by our nation’s banks since Slavery. Our nation’s banks have in their commitments in excess of $4.2 trillion dollars in their CRA commitments. See http://www.uaadcorp.com/. These funds dispersed as meant, will provide economic parity for those most in need and the intent of CRA. UAAD a 501c3 non-profit ask that you as a compassionate conservative ask The FDIC / OCC both under your control to insist that these agencies not continue their discriminatory practices in enforcing this important civil rights legislation. With the enforcement of this act as written, and a common cense approach by the FDIC / OCC funds that should be available by Chase the largest financial institution in the state of Louisiana should be made to be utilized to assist the hurricane victims that were discriminated, red-lined and treated in an unfair manner since slavery. JPMorganChase Bank recently agreed to pay reparation payments to African Americans for their despicable acts of using slaves for collateral. It appears that they are continuing similar practices with their predatory lending practices since slavery. It is apparent that these funds properly dispensed using the tools provided by this ACT, will allow parity to be created, and help to reduce the budget. Since neither your administration, nor the Republican controlled Congress will allow any teeth to be added to this ACT, UAAD ask that in the interest of humanity and fairness, this ACT be enforced with the intent in which it should have been written. http://www.uedcinc.com/id12.html
You can contact: Walter Ellis uedcinc@aol.com,

Deadria,
My name is Walter Ellis CEO United Affirmative Action Development Corp (UAAD). We have been in negotiations with Bank One since 1995, when they merged with Premier Bank of Louisiana. See: http://www.uaadcorp.com/. Only recently were we aware of JPMorganChase Bank’s commitment to reparation. See: http://www.chasebankreparation.blogspot.com/. UAAD a 501c3 non-profit is affiliated with United Equity Development Corp (UEDC) a for-profit. We are lobbying Congress and also anticipate filing a class action suit against Chase for this and other violations. Your assistance in this complaint would be appreciated.
I can be reached at uedcinc@aol.com. March 13, 2006
Respectfully

SLAVERY, REPARATION, KATRINA, JPMorganChase Bank
This bank’s involvement in the slave trade has promised to pay reparation in the amount of $5million dollars to African Americans in the state of Louisiana. Due to red-lining and discrimination since slavery, this bank promised to commit $800billion dollars to those who suffered from discrimination. Now they not only refuse to pay those who suffered from their using slaves as collateral, but are using the $800billion dollars to commit to Caucasians, whose descendants owned slaves. See: http://www.uaadcorp.com/ / http://www.chasebankreparation.blogspot.com/

UAAD’s interpretation of Chase Banks Reparation Initiative “SMART START” March 11, 2006
JPMorganChase in 2005 made a commitment to the Louisiana Community. This commitment according to Chase officials was made due to this Banks participation in the slave trade where slaves were used as collateral. Upon asking how the fund provided to the banks Reparation is being distributed it was stated this information could be obtained on Chase’s web site. These officials were not sure how to get to the proper page. When asked how a High School Graduate could obtain the necessary application to apply for this scholarship, it was indicated that they would have to apply at the various Universities in the state of Louisiana.
The following is JPMorganChase Banks $5 million dollar Reparation commitment:
After speaking to Chase officials this date United Affirmative Action Development Corp (UAAD) officials met with officials in Grambling State Universities (GSU) Finance Department and could find no one familiar with this program. See http://uaadcorp.com/.
Chase Bank’s officials were contacted in Baton Rouge who administers this program. This official indicated that the program had been in place prior to Katrina, and her supervisors were trying to devise a plan to use these funds for the Katrina victims and had not yet notified her of how the funds were going to be dispersed.
UAAD filed several complaints regarding matters where Chase Bank fail to meet the needs of the African American Community. Under 12CFR25.43 such complaints should be entered in each and every branch in the state of Louisiana where Chase Bank operates. After speaking to Mr. David Lewis the Community Affairs official for the Office of the Comptroller of the Currency, UAAD have asked that this and other complaints be entered in the Chase Bank’s branch’s public file.

A CRA Proposal From UNITED EQUITY DEVELOPMENT CORP (UEDC) To All Banks The State of Louisiana for Hurricane
KATRINA Recovery. May 4, 2006
UEDC an affiliate of UNITED AFFIRMATIVE ACTION DEVELOPMENT CORP (UAAD) a 501c3 non-profit propose to create a coalition of small and large banks in the state of Louisiana in order to provide low, moderate-income individual and small businesses to include African Americans (AA) the necessary funding in order to recover from KATRINA, and its aftermath.
The suggestions of the COMMUNITY RE-INVESTMENT ACT of 1977 (CRA) is that banks commit at least 10 percent of their assets toward CRA activities. These set asides can be in the form of low interest loans, or contributions.
CRA a part of the civil rights legislation of 1977 was created due to predatory lending, red-lining and discrimination on the part of our nation’s banks.
see: http://www.uaadcorp.com/ / http://www.chaseuedcaffinity.blogspot.com/
http://www.chasebankreparation.blogspot.com/
UAAD/UEDC will organize a coalition of banks, community organizations, in order to benefit the Hurricane victims. Such a coalition will benefit the banks, low, moderate-income to include AA. / http://www.bankwhileblack.com/
Although UAAD/UEDC has in excess of 20 years involvement in CRA, we are aware that the success of accomplishing our goals we will need a commitment from our nation’s banks, FDIC, Office of the Comptroller of the Currency (OCC) and as many community organizations that will join with us in order to assist the KATRINA victims and others. Our nation’s banks have in excess of $4.2 trillion dollars in CRA commitments. If the CRA ACT has any significance or purpose, now is the time for it to be implemented. See: http://www.uedcinc.com/
UEDC would like for those receiving the above document to review and comment. We are meeting with a local bank’s CRA official here in Ruston, LA to present this proposal. We propose a 5 year commitment of 10 percent of assets to be administered by UAAD and other established community organizations. We will be negotiating for UAAD and the coalition to receive 2 percent in advance to administer these programs.
See: http://www.uaadcrahbuc.blogspot.com/
WE anticipate your in-put and participation.
UEDC will ask small banks to contribute administration assistance in lieu of cash contributions. Such contributions will be in the form of business consultation, serving on community loan committees, teaching CRA and banking in HBUC’s etc. Larger banks will be asked to contribute at least 10 percent of their assets toward these proposed projects for the next 5 years. We believe the FDIC/OCC will consider this proposal to be practical and meet the requirements of the bank(s) obligation to meet prudent banking practices as required under the Community Re-Investment Act of 1977 (CRA).

There is no crime when “BLACKS” are the victim, according to the FDIC!
It is the opinion of many that JPMorganChase Bank is probably guilty of violations under the “RICO” Act, due to their constant and consistent reenacting various violations of our members’ human rights, disallowing economic parity, discrimination in hiring and fair lending practices, and
Committing those acts from their founding days until the present. Our complaint which probably will not be addressed by government agencies or these institutions will probably have to be brought to Amnesty International or the appropriate agency of the United Nations (UN). A class action suit should be brought with all civil rights organizations joining in with UAAD/UEDC on behalf of our members (millions) of low income, African Americans to influence Chase Bank and other institutions to pay in stock in order that such can be distributed to our members who have suffered from red-lining discrimination practiced by these institutions

Bush, Congress, FDIC should insist that banks use CRA/Reparation funds for KATRINA Victims!!
In 2004 JPMorganChase apologized for the banks involvement in the Slave Trade, and stated they would commit $5 million dollars to a scholarship fund for African American High School Students. This became another broken promise. (see:
http://www.chasebankreparation.blogspot.com/ http://academic.udayton.edu/race/02rights/repara30.htm
http://www.finalcall.com/artman/publish/article_1797.shtml
Chase and other banks should commit their entire CRA, Community Partnership, funds to those individuals the CRA Act was intended, African Americans, other minorities and the low income, who are yet suffering due to most banks discriminatory practices. Such a commitment will provide needed funds to assist the hurricane, the homeless and other victims CRA intended to assist. Congress should be lobbied, insisting that our regulatory agencies protect the rights of African Americans and other minorities as they do Caucasians. They need to assist these minorities in reaching Economic Parity, and to live the American dream, of freedom and justice for “All”.

Memorandum
Date: May 16, 2006 Meeting with Sen. Vitter’s assistant
I met with Sen. Vitter’s assistant, Brent Tippen. We discussed the complaint against Office of the Comptroller of the Currency (OCC) and the complaints against JPMorganChase Bank. He was given copies of the complaints and he indicated that he would contact the senator’s office for further action.
Our main focus of this meeting was centered on Senator Vitter’s office assisting and UAAD arranging an affiliation of all banks in Louisiana and community organizations in Louisiana to make CRA funds available to the Katrina victims. Mr. Tippen stated he would do what he could to get a statement on or about May 25th.
We would like to express our thanks to the senator’s office for taking time and expressing an interest in important matters for low and moderate income citizens in Louisiana.
We also request Mr. Tippen to request a hearing in the Senate and Congress for UAAD to address the importance of CRA to assist the Katrina victims.
We also want to address how the 4.2 trillion dollars that the banks have in their CRA, Community Partnership, and REPARATION funds can be used to assist disaster and other low, moderate income victims to include African Americans.

MILLIONS SUFFER, CHASE BANK HOLD BILLIONS of $$$ IN COMMUNITY PARTNERSHIP REPARATIONS COMMITMENTS!
Chase Bank treat Louisiana Citizens in general as they treat BLACKS!!
In 2004 JPMorganChase Bank admitted, apologized, and promised to commit $5 million toward reparation to African American high school graduates in the state of Louisiana in the form of scholarships. see: http://academic.udayton.edu/race/02rights/repara30.htm
http://www.chasebankreparation.blogspot.com/ http://www.finalcall.com/artman/publish/article_1797.shtml
JPMorganChase Bank also in 2004 under their community partnership committed $800 billion dollars to provide funding for low, moderate-income individuals that should include African Americans, see: http://www.uaadcorp.com/
Since 2004 JPMorganChase Bank has committed approximately $69 billion to foreign or predominately Caucasian organizations. These predatory, discriminatory practices were a part of Chases’ commitment to the African American Communities prior to KATRINA, after KATRINA, and presently, while many yet suffer. JPMorganChase Bank and other financial institutions are able to continue these DISCRIMINTORY practices with the support of this administration in particular. http://www.uaadcra.blogspot.com/ http://www.bankwhileblack.blogspot.com/ http://unitedaffirmativeactiondevelopment.com/id12.html
Walter L. Ellis, CEO UAAD uedcinc@aol.com http://www.moveon.com/

May 15, 2006

Chase Bank treat Louisiana Citizens in general as they treat BLACKS!!
What is the purpose of FDIC and OCC and can they help the Katrina victims?
In 1998 UAAD filed a complaint against Bank One due to bad faith negotiations, and its lack of compliance to CRA. This complaint addressed in particular its practice of discriminating against African Americans. Several other complaints have since been filed. The OCC is responsible for enforcing and listening to such complaints. Once these regulatory agencies decide to protect the citizenry as well as the bank(s), trillions of dollars will be made available to those the CRA act was intended. CRA agreements well intended for the low, moderate-income, to include African Americans will not only create economic parity, but will also help in reducing the budget, and at the same time allow the bank(s) to operate in a prudent manner as required by CRA.
See: http://www.federalreserve.gov/events/publicmeeting/19980813/panel16.htm http://www.uaadcorp.com/http://www.bankwhileblack.blogspot.com/ http://www.chasebankreparation.blogspot.com/ May 15, 2006

The discriminatory practices of regulatory and law enforcement agencies helped to create the conditions African Americans were exposed to in New Orleans in particular. When a few thousand Enron employees, the majority being Caucasian were harmed, our Justice Department spent millions of dollars and thousands of man hours protecting the interest of those in need. For the good of society all citizens should and deserve such protection. When JPMorgan Chase Bank admits to using slaves as collateral, and are allowed to continue predatory lending practices after such crimes, rather than prosecution they are protected by The FDIC and OCC. Regulations enacted under civil rights benefiting African Americans are seldom enforced.
http://unitedaffirmativeactiondevelopment.com/id12.html

REPARATION, CRA, CHASE Bank commitment = Poverty for African Americans, and all Low income in Louisiana!!!!!
The manner in which JPMorganChase Bank treat their CRA commitment, which was implemented to create economic parity among African Americans (AA) as part of the Community Re-Investment Act of 1977 Civil Rights Legislation, has created poverty, rather than parity. Recently Chase Bank made a commitment to “REPARATION”, http://www.uaadcorp.com/
see:http://www.chasebankreparation.blogspot.com/ http://www.finalcall.com/artman/publish/article_1797.shtml
and it will explain this banks’ commitment to any program that will benefit AA. If Chase Bank would commit a reasonable portion of the funds being held, such funds could help eliminate poverty, and provide needed financial aide to the low-moderate income in Louisiana. A commitment of the billions being spent to assist Caucasians could better be utilized to assist the Hurricane Victims and many others. The reasons and purpose of Congress implementing CRA was due to red-lining and decimation in the AA, and Hispanic neighborhoods. Chase Bank and other banks use CRA in a “Reverse Robin Hood” manner. See: http://www.uaadcra.blogspot.com/ May 12, 2006

April 21,2006 USA TODAY Moneyline article
JPMorgan settles IPO lawsuit
JPMorgan Chase, one of the investment banks accused of manipulating the prices of initial public offerings during the dot-com boom, agreed to settle the claims by paying a $425 million settlement. JPMorgan is the first of dozens of investment banks named in class-action lawsuits for allegedly requiring investors awarded with the lucrative shares to buy more stock after the IPO. None of the other banks named in the cases have settled yet.
See:http://www.chasebankreparation.blogspot.com/ http://www.uaadcorp.com/

There is no crime when “BLACKS” are the victim, according to the FDIC!
It is the opinion of many that JPMorganChase Bank is probably guilty of violations under the “RICO” Act, due to their constant and consistent reenacting various violations of our members’ human rights, disallowing economic parity, discrimination in hiring and fair lending practices, and committing those acts from their founding days until the present. Our complaint which probably will not be addressed by government agencies will probably have to be brought to Amnesty International or the appropriate agency of the United Nations (UN). A class action suit should be brought with all civil rights organizations joining in with UAAD/UEDC on behalf of our members (millions) of low income, African Americans to influence Chase Bank and other institutions to pay in stock in order that such can be distributed to our members who have suffered from red-lining discrimination practiced by these institutions.
http://www.bankwhileblack.blogspot.com/ http://www.uaadcra.blogspot.com/ / http://www.moveon.org/
http://www.chaseuedcaffinity.blogspot.com/
JPMorganChase Bank also will have to deal with other class action complaints due to their numerous violations of the Community Re-Investment Act (CRA).

BUSH/CHASE BANK HUMAN RIGHTS VIOLATIONS!!!!!!!!
In 2004 JPMorganChase Bank apologized for it’s involvement in the “Slave Trade”, but yet continues its predatory practices. President Clinton whose family was not accused of being involved in the “Slave Trade” did apologize on the part of America. This ‘son of a bush’ not only will not apologize for his family’s involvement, see: http://www.hst.org/index.cgi/1633. Bush instead makes matters worse by appointing “Racist” Judges, Attorney Generals, and supporting those who discriminate whenever and wherever possible. The KATRINA Victims low, moderate-income to include African Americans suffering due to the conspiracy of JPMorganChase Bank, FDIC/OCC, will continue only and if we IMPEACH Bush, who is the principle contributor. President Bush often speaks about human rights violations in China and elsewhere, but ignore his and this country’s obligation to human rights. See: http://www.outbush2005.blogspot.com/ http://www.bankwhileblack.blogspot.com/

CHASE Bank treat “African Americans”, similar to Bush’s treatment of the “TALIBAN”!!!!
The Taliban protest this administrations action, their accounts are seized and closed in this and other countries. African Americans protest JPMorganChase Bank’s predatory, discriminatory, practices in America, and believe me Chase will close your account, with the OCC/FDIC who Bush is in charge will allow such penalty.
See:http://www.uaadcorp.com/ http://www.chasebankreparation.blogspot.com/
http://www.outbush2005.blogspot.com/

http://www.uaadcra.blogspot.com/
http://www.moveon.com/

The purpose of a forum is to discuss the following issues:
Why JPMorganChase Bank would commit a mere $5 million dollars to youths of Louisiana, and not honor such a commitment?
Why JPMorganChase Bank refuses to commit CRA, Community Partnership, Reparation, and “Smart Start of Louisiana” funds to African Americans?
(LSU a predominantly Caucasian institute was made aware of Chase Bank’s commitments to African Americans, and GSU a predominantly African American institution was not made aware by JPMorganChase Bank). http://www.uaadcorp.com/
Why JPMorganChase Bank refuses to contribute to GSU in order to establish scholarships, professorships, and other educational assistance as promised since 1996 by Bank One. (Bank One did establish an educational program at the University of Louisiana at Lafayette, LA. a predominantly Caucasian institute). This project was funded by Bank One using a proposal UAAD had previously submitted to Bank One officials for GSU and the City of Grambling, LA. See: http://www.chasebankreparation.blogspot.com/
Why JPMorgan refuses to commit the $800 billion dollars in CRA funds to African Americans who are the victims of slavery, rather than the majority of these “Reparation, Smart Start” CRA commitments to Caucasians as now practiced.
UAAD invites GSU students, GSU officials. City of Grambling officials, representatives of all HBUC’s, Civil Rights Leaders, Community Organizations representatives, http://www.moveon.com/ and others to join and make this forum successful.
In recent conversations with Mr. David Lewis who is the Community Affairs official for the Office of the Comptroller of the Currency (OCC) he stated that his agency and JPMorganChase Bank were willing to sponsor a forum in April at Grambling. This forum was to address the complaints UAAD had presented since 1996. (see: http://www.uaadcorp/, links and Blogs.

April 19, 2006
Mr. Ruben Ramos
Regional Director of Community Affairs
Southwest Region JPMorganChase Bank
Dear Sir,
UAAD is awaiting your promise to put us in touch with JPMorganChase Bank's affinity credit card department.
See: http://chaseuedcaffinity.blogspot.com/ and
http://www.co-opamerica/realmoney.com
We have GSU mass media, Recycling Black Dollars and other weekly publications waiting to announce the UEDC/Affinity Card. Within 3 years we believe this card will attract in excess of 20 million members and associates of UAAD/UEDC.
Sincerely,
Walter L. Ellis, CEO UAAD
cc: Mark Willis, Exec VP Community Affairs JPMorganChase Bank
David Lewis, Community Affairs Officer of the OCC

HOW JPMORGAN TREAT AFRICAN AMERICANS WHO COMPLAIN ABOUT THEIR DISCRIMINATORY PRACTICESUnder the Community Re-investment Act of 1977 (CRA) regulations, banks are required to provide to individuals or organizations complaints that are filed against the branch or the bank. Since 1995 I have asked and received some information as the CEO United Affirmative Action Development Corp (UAAD) while investigating their activities under CRA. In the past year the bank manager, Ms. Sanders has refused or resisted supplying such reports.
See: http://www.uaadcra.blogspot.com/
http://www.uaadcorp.com/
See the following letter:
Ms. Bridgette Sanders, CRA Mgr December 5, 2005Chase Bank400 N. Trenton StRuston, LA 71270
Ms. Sanders,This is a complaint regarding our conversation 11/25/05 whereby you indicated you would furnish United Affirmative Action Development Corp (UAAD), a 501c3 non-profit community organization, a copy of your branchÂ’s recent CRA activities. You first stated that your CRA representative would provide the documents and later stated that you were the CRA representative and the report could be picked up on Monday (11/28/05). UAAD was given a performance evaluation from the OCC, which shed little light on your branchÂ’s performance here in Ruston, LA. UAAD would appreciate a recent activity report of the Chase Bank branches here in Ruston, in order to compare with the one received prior to Bank One purchasing Premier Bank in 1996. UAAD would like to have this report by 12/6/05.As the closest CRA official of Chase Bank, I would appreciate you meeting with staff of UAAD and explain how your branch carries out its CRA obligations. A meeting sometime this week would be beneficial. Topics to be discussed at such a meeting would include how undergraduate and graduate students at Grambling State University (GSU), a HBUC, can contribute to and benefit from the bankÂ’s CRA commitments.In 1995 when the president of Premier Bank, Mr. Johnnie Maxwell, asked UAAD to assist the RustonÂ’s Banks in improving its CRA performance in order to amplify the merger with Bank One, an inspection of PremierÂ’s CRA involvement in the community showed that it excluded African Americans. UAAD would ask that you provide an updated activity report of the Ruston BranchÂ’s in order that we may discuss a satisfaction or how to improve the bankÂ’s performance in the low, moderate income, to include the African American community. Thanks for your cooperation. See our website http://www.uaadcorp.com/ to better understand our purpose and goals.Walter L. Ellis, CEO UAAD

April 4, 2006
This a memorandum of a meeting held today at Chase Bank in Ruston, LA with Chase Bank officials and Mr. David Lewis of the Office of the Comptroller of the Currency (OCC). You would have to hear a recording of this gathering to believe how a group of adults could attempt to con another intelligent human being.
Others present had their own personal agenda including Mr. Lewis of the OCC, who was more interested in protecting the interest of the bank and neglecting all interest of those Chase Bank and the OCC should protect.
Some others who were invited to express and seek assistance for UAAD’s goals apparently had their own interest at heart and presented a hindrance rather than assistance.
The purpose of this meeting was to ask me, Walter Ellis the CEO of UAAD, A 504c3 non-profit to end my complaints against Chase Bank and the OCC in order that an agreement could be negotiated to help UAAD’s associates. This meeting this date was a dismal failure. It is my intent to pursue my complaint asking Congress to hold a hearing regarding CRA and to also file a complaint with the Justice Department asking the DOJ to take action against both JP Morgan Chase Bank and OCC officials. I also ask that all past complaints be put in the public files including Ms. Sanders asking Kasandra Brown, a reporter from the Ruston Leader newspaper, Mr. Monroe Quigbly and myself to leave the premises after first offering office space and later denying same.
I ask that Mr. Lewis’ supervisor contact me and others present in order to make an official complaint against Mr. Lewis.
We also ask also for the chain of command in writing in order to file these complaints in a timely manner. Our urgency is that until and unless someone take drastic action against JP Morgan Chase Bank who refuses to allocate monies promised for their involvement in the slave trades and refusing to disclose why they can commit what should be reparation (CRA) commitments to African Americans as they do so to Caucasians as indicated in their Community Partnership proposals. UAAD has asked Bank One and now Chase Bank for the past ten years to treat African Americans as they do others. The inequality of present day treatment is little different than the treatment this and other banks treated my dad who was born into slavery. See: http://www.chasebankreparation.blogspot.com/
MEMORANDUM MEETING JPMorganChase BANK 4/4/2006
United Affirmative Action Development Corp (UAAD) was invited to a meeting the above date by Mr. David Lewis Community Affairs Officer of the Comptroller of the Currency (OCC) in order to resolve complaints UAAD had made against JPMorganChase Bank. Bank representatives present at this meeting were Mr. Ruben Rios Community Affairs officer, Mr. Mizell Scott VP CRA state of Louisiana, Ms. Charlita Cloman VP CRA of JPMorganChase Bank. Also present were Dr. Anthony Nelson Professor GSU, Mr. David Lewis Community Worker City of Ruston, LA, Mr.Monroe Yearby.
UAAD was seeking a contribution in order to organize a forum at GSU that had previously been discussed with Mr. Lewis of the OCC. That request was denied as previously explained by Mr. Lewis of the OCC. The Affinity Credit Card proposal by UAAD according to Mr. Ruben would be discussed with the proper JPMorganChase Bank official within 24 hours of this meeting. UAAD after investigating JPMorganChase Bank’s commitment to reparation asked Mr. Rios to explain how UAAD could assist in distributing the $5 million dollar scholarship commitment made by the bank. UAAD’s investigation determined that this commitment appeared to be fraudulent. There was an indication that there was some kind of deal between the OCC, and Chase Bank officials to allow Mr. David Lewis of Ruston to resolve that issue. It is not clear to me how that would work, and maybe it can be explained in order that it can be clearly publicized.

UAAD request that this memo be treated as a part of its complaint #617-354 and made a part of JPMorganChase Banks public file records that can be viewed in all JPMorganChase branches throughout their system, foreign and domestic. Additional information regarding this complaint see:
http://www.uaadcorp.com/
http://www.chasebankreparation.blogspot.com/
http://www.uaadcra.blogspot.com/
http://www.chaseuedcaffinity.blogspot.com/
Respectfully,

On April 28, 2006, I received a certified letter stating:
H. Russell Wood III

President Northeast Louisiana District

April 27, 2006

Mr. Walter L. Ellis

315 Neal Street

Ruston, LA 71270

Re: Accounts 675247266 and 1592005308

Dear Mr. Ellis:

After your meeting with officers of our bank on April 4 where again your issues were addressed, you caused a disruption in our branch. When you opened your account, you agreed to the terms and conditions of the Deposit Account Agreement. This agreement says that the bank may close your account at any time with or without cause. We have decided it would be best to exercise that option.This is what we're going to do. '.· We are closing your accounts 10 business days from the date of this letter (the Closing Date).· Your A TM card will no longer allow you to make withdrawals, effective on the ClosingDate.· Any checks/savings withdrawals received on or after the Closing Date will be marked"Account Closed' and returned. · Any fees, claims, or other amounts owed will be deducted from your accounts. · Any balance remaining in the accounts will be sent to you within five business days after the Closing Date.Here's what you need to do. .You should stop writing checks/savings withdrawals on this account right away.· If your account is overdrawn, please make a deposit of cash or certified funds immediately.· You should stop using any debit cards or A TM cards associated with this account anddestroy them immediately.· You should make arrangements to redirect all direct deposits and automatic drafts as soon aspossible.We do not make decisions to close customer accounts lightly. However, your repeated disruptive behavior in our branches has upset our employees and interfered with serving our other customers.We request that you refrain from entering our branches in the future and that you stop e-mailing our employees. Your e-mails contain offensive language that our employees should not have to endure.Chase has made every effort to respond to your requests for information by providing you with our CRA Public Evaluation, HMDA and CRA disclosure reports, comments in our public file and applications for small business loans and grants. We have met with you a number of times to discuss your concerns, most recently on April 4, and nothing fruitful has come out of these meetings. We do not see any benefit in prolonging this discourse.Sincerely,H. Russell Wood,III President

ChaseNortheast Louisiana District
I contacted:
Mr. Ruben Ramos, Regional Director of Community Affairs, JPMorganChase Bank and spoke with Terry;
Ms Dietrick's office and spoke with Maria;
Both offices stated that they could not be of assistance.
Closing my personal and business accounts creates a financial burden on myself, family and organizations I represent. It is my belief that this is another fraudulent manner in which JPMorganChase Bank operates in regards to African Americans.
See:
http://www.chasebankreparation.blogspot.com/
http://www.uaadcorp.com/
http://www.bankwhileblack.blogspot.com/
http://www.uaadcra.blogspot.com/
See recent fraudulent lawsuits against Chase and additional memorandums upon request.
cc: David Lewis, OCC – complaint #617-354
Anne Deitrick, Chase Bank
Ruben Ramos, Chase Bank
Dept of Justice
Black Caucus
UAAD Board
News Media
Sen. David Vitter
President Bush
Walter Ellis, CEO UAAD

Attorney Nancy Langworthy
U.S Department of Justice
Civil Rights Division
950 Pennsylvania Ave, N.W.
Washington, D.C. 20530
(202)514-4751
(202)616-8925

Ms. Langworthy,
Thanks for speaking to me on June 5, 2006 regarding the complaint (s) I was expressing relating to JPMorganChase Bank being in violation of CRA/OCC regulations, and possibly Fraud due to Reparation commitments in the state of Louisiana. I expressed to you the necessity to rectify these problems. Earlier in our conversation you stated you would review my concerns, contact the Assistant Attorney General and get back in touch this date. On the return call you stated you had explained my concerns to the Attorney General and his determination was that your department had no jurisdiction regarding my complaints, and you had no one that you could refer me to resolve the matter. See: http://unitedaffirmativeactiondevelopment.com/id12.html.
http://www.chasebankreparation.blogspot.com/
http://academic.udayton.edu/race/02rights/repara30.htm
http://www.finalcall.com/artman/publish/article_1797.shtml

UAAD/CRA Complaint Regarding:
SLAVERY/Appeasement/Disregard of African Americans, and the need for REPARATION (JPMorganChase Bank)
May 17, 2006 United Affirmative Action Development Corp (UAAD) after a ten year study of banks that link JPMorganChase Bank to the Slave Trade, (see: http://www.finalcall.com/artman/publish/article_1797.shtml), and numerous complaints regarding this bank and its predecessors, (see: http://www.uaadcorp.com/), UAAD felt compelled to file an additional complaint this date.
In 1996 Bank One purchased Premier Bank of Louisiana. Premiere Bank had poor CRA ratings in its relationship to African Americans. Premier Bank made some attempt to appease African Americans. After the merger with Bank One, this bank began treating both Black and Whites in a manner not meeting the standards of the Community Re-Investment Act of 1977, Civil Rights legislation. In 1998 UAAD filed (see: http://www.federalreserve.gov/events/publicmeeting/19980813/panel16.htm) with the FDIC/OCC due to Bank One’s bad faith negotiations on a CRA agreement.
The CRA Act was implemented by Congress in 1977 as part of Civil Rights legislation, due to red-lining and discriminatory banking practices in African American and Hispanic neighbor hoods in particular. JPMorganChase Bank made a commitment of $800 billion dollars toward their CRA activities for a ten year period beginning in the year 2004. This bank state in its Community Partnership proposal (see: http://www.jpmorganchase.com/cm/cs?pagename=Templates/Page/JPMC_CacheHome&cid=8014123), that it has spent $69 billion since that commitment. (Mostly to organizations other than African American). Now in the year 2006 this bank’s commitment to African Americans and others are less than Premier Banks appeased commitment. In 2004 JPMorganChase apologized for the banks involvement in the Slave Trade, and stated they would commit $5 million dollars to a scholarship fund for African American High School Students. This became another broken promise. http://www.chasebankreparation.blogspot.com/ ,
UAAD contend that Chase and other banks should commit their entire CRA, Community Partnership, funds to those individuals the CRA Act was intended, African Americans, other minorities and the low income, who are yet suffering due to most banks discriminatory practices. Such a commitment will provide needed funds to assist the hurricane, the homeless and other victims CRA intended to assist.
UAAD intend to continue lobbying Congress, insisting that our regulatory agencies protect the rights of African Americans and other minorities as they do Caucasians. They need to assist these minorities in reaching economic parity, and to live the American dream, of freedom and justice for “All”. It should not be as Bush appears to indicate “freedom and justice”. (Caucasians)? (see: http://unitedaffirmativeactiondevelopment.com/id12.html), “Feds regulate and collaborate with banks”.
UAAD intend to forward this complaint to the Justice Department to investigate this matter if the OCC/FDIC continues their delaying tactics. This is necessary in order to get assistance to the hurricane victims as soon as possible. It is time for REPARATION and Economic Parity for African Americans.
Walter L. Ellis, CEO UAAD uedcinc@aol.com 05/18/06

Memorandum
Case # 617-354
Date: May 15, 2006
RE: Conversation with David Lewis, OCC
Spoke to Mr. David Lewis this date regarding entering Chase Bank Branches nationwide to inspect complaints in public files. Mr. Lewis stated if the bank did not want me, Walter Ellis, to enter that they have that right. Mr. Lewis did agree that I could appoint someone to enter and access the complaints on my behalf. It is my intent to hire homeless individuals for this task. UAAD also request that this and all other complaints be entered in all Chase branches public files and made available for public inspection. Walter Ellis

COMPLAINT: JPMorganChase Bank / OCC (CASE#617-354)
MEMO RE: Conversation with Ms. Carol Klim (OCC)
This date spoke to Ms. Klim June 8, 2006 who stated she had a supervisory position with the OCC and was calling on behalf of Mr. David Lewis who was out of the office.
I explained to Ms. Klim my concern regarding Mr. Lewis, Ms. Jee, and Ms. Gilstrap to put in writing what I am being told on the telephone regarding JPMorganChase Bank refusal to allow inspection of their public files, and possibly not placing complaints in such files as required. I also expressed that in addition to the public files complaint, UAAD a 501c3 non profit was acting on behalf of African Americans and the NAACP in Louisiana in an apparent fraudulent scheme where JPMorganChase Bank promised $5M dollars for a scholarship fund. See: http://www.chasebankreparation.blogspot.com/
http://academic.udayton.edu/race/02rights/repara30.htm
http://brownwatch.squarespace.com/to-the-present/2005/1/25/reparations-charles-ogletree-jp-morgan-chase-official-discuss-banks-apology-for-slavery-on-npr.html
http://www.blackamericaweb.com/site.aspx/bawnews/jpmorgan
In a meeting April 4, 2006 with JPMorganChase Bank officials that was chaired by Mr. David Lewis of the OCC. A promise was made that this commitment would be resolved http://www.uedcinc.com/id12.html http://www.uaadcra.blogspot.com/
Ms. Klim stated she would discuss my concerns with Mr. Lewis, and she would get back in touch next week.

Ms. Jee, Mr. Lewis OCC Officials please see that this and all complaints are entered in Chase Bank Branches nation wide for Public View under 12CFR43.25, complaint #617-354 of the CRA regulation.
We are also awaiting a determination from your office on JPMorganChase Banks authority to cease UAAD officials from entering and inspecting their public files for complaints under 12CFR43.25 of the CRA regulations
Mr. Mark Willis VP Community Partnership JPMorganChase Bank please enter this and all complaints in Chase Bank Branches nation wide for Public View under 12CFR43.25, complaint #617-354 of the CRA regulation.
We are also awaiting a determination from your office on JPMorganChase Banks authority to cease UAAD officials from entering and inspecting their public files for complaints under 12CFR43.25 of the CRA regulations

Walter L. Ellis, CEO UAAD 866 276-2294 uedcinc@aol.com June 9, 2006