Warning: This is a rant!
If you know me, you know that I LOVE technology. I use my iPad and iPhone every single day and take them everywhere. They serve as my alarm clock, newspaper, calculator, day timer and more. I love them and use them more than anyone I know. I currently have 172 apps. I truly believe “there’s an app for that”; however, I didn’t realize how stupid some apps (and government agencies) can be!
HUD has spent time and (more importantly) our tax dollars to develop an app so consumers can file complaints against lenders. Really? Some things are just easier to do online or by phone. Apps are used for repetitive things. Who would want to download and install an app for something that is probably a one-time issue?
They are also very proud of their efforts and have even blogged and issued a press release about their efforts. In fact, John Trasviña, HUD Assistant Secretary for Fair Housing and Equal Opportunity states, “We are maximizing the latest technology to make the process for filing fair housing complaints faster and easier and arming our fair housing partners with the information they need to understand their fair housing rights and responsibilities.”
My sarcastic side (and anger) came to the surface, so I downloaded the app . . . and then used it to file a complaint against HUD. I told them I thought this was a huge waste of taxpayer money and that HUD has already made it very simple to pick up the phone or go online to file complaints. I went on to say if someone wanted to file a complaint, it would be more cumbersome and a waste of time to download an app to do so. I clicked “enter” and my complaint was filed. I knew my complaint wouldn’t change their behavior and I really thought this would be the end of it.
On March 8th, I received a 2-page letter from HUD indicating they had received my complaint and an inquiry number had been assigned to my submission. Unfortunately (but understandably), the letter states “The issues described in your claim do not constitute an illegal housing practice as defined by the Fair Housing Act . . . the information you submitted . . . is insufficient to proceed under the law.” Well, DUH! Now they’ve spent more time and money to send me a letter to tell me my complaint was not valid.
David’s banking career began as a field examiner for the FDIC in 1990. He later became a Compliance Officer and Loan Officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.
He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the American Bankers Association National Compliance Schools and has served on the faculty of the Center for Financial Training for many years. He also is a frequent speaker at the ABA’s Regulatory Compliance Conference. He is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM) and has been a BankersOnline Guru for many years. The American Bankers Association honored David with their Distinguished Service Award in 2016.
David and his wife Karen have three adult children, four grandchildren (none of whom live at home!) and two cats (of which Dave is allergic … the cats, not the children!). They recently moved to an acreage outside of Lincoln, Nebraska where he gets to play with his tractor. When possible David can be found fishing, making sawdust in his shop, or playing the guitar and piano. He also enjoys leading worship at his church.