In November of 2014, CFPB (Consumer Financial Protection Bureau) had to launch a bulletin to take notice and talk about the recent disallowed practice from the lenders. Lenders have been asking disabled buyers questions before offering them the loan that they should not be asking.
And lenders haven’t been told to ask these by law. It is quite a common fact that you will have to face a lot of questions, especially those related to your finances, and answer them honestly before you can borrow the loan. Income information is the most important part of this information.
How Does Social Security Income Come Into Play?
The case about the income-related questions is a bit different for those who receive social security disability income. An issue that has been recently asked from the borrowers who were on disability is if they know how long their disability income will continue to come.
This is the question that CFPB has explicitly not allowed lenders to ask from their borrowers. In addition to that, it has been found out that many banks have gone to the extent of contacting the doctors of the disabled to know about their disability condition and how long it would last for.
It gives rise to some serious concerns about the transaction if the lender insists that these questions be answered. The borrower does not have to meet these problems because he’s not required to. At the same time, the borrower must not bother to arrange for any documents that contain any information about the condition of the disability and how long it will continue for.
In fact, it has been said by the officials from the governing authorities that asking for such documents and information from people with disability is straightforward discrimination and against the law. This concern might sound new but has been around for some time.
Example of a Recent Bank Problem
A case involving a reputable bank doing such an act was recently brought on the scene. The bank had asked similar questions and performed activities that were synonymous to inquiring about the condition of the disability of its customer and getting information on how long it was last for.
The bank had asked the borrower whether he will continue to receive his disability income for another three years before offering him refinancing on his mortgage. The bank had also approached the doctor of the borrower to know more about the status of his disability.
The bank grasped the situation well and ended up settling the matter by offering a significant sum to the plaintiff before entering into lengthy court procedures. A borrower with a disability is only required to tell the lender he is receiving disability income. And the victim gets the amount of revenue coming to him. Any questions and inquiries from the lender that go beyond this are not bound to be answered.
Moreover, the fact that Social Security Administration does not give any written proof to disability income receivers on how long they will receive the income for makes the whole point for lenders to ask for such documents invalid.
The use of drones could be innocent, or for nefarious reasons. They could be something as simple as taking aerial photos of a sunset over the beach. But this kind of high-tech device could be used to snoop on someone inside of their house too. So the use of drones as snooping devices intrigues attorney Michael Ehline. He says UAV’s bring to mind many legal complications.
Government agencies and the military used the unmanned aerial craft for years. For example, it is helping to fight terrorism. And it has even been used to conduct domestic surveillance for years. But now, private companies like Amazon are seeking FAA approval for business use. For example, their “Prime Air” program recently hit the news. The Amazon website claims that aerial devices could be used to deliver online merchandise. They even compare it with pizza delivery.
Private Citizens and Drones.
Private citizens are not left out of the equation, with some being intrigued and others who have been hobbyists of this kind of technology. One of these people is Santa Barbara resident Cliff Baldridge, who is a tech-savvy aficionado and an everything Google expert. He has used radio controlled vehicles for approximately three decades and uses the drone aircraft for helpful and charitable purposes.
Mr. Baldridege believes he is an expert and uses drones to capture aerial footage of Santa Barbara vistas and then posts them on his Santa Barbara Arts TV page on YouTube. The pictures are taken with an AR Drone 2.0, which he has modified to hold a GO Pro HD camera and to use the modified technology enable Mr. Baldridge to have access to stunning images and video he said. He also said that without the utilization of the drone he would never be able to capture these images.
Potential Liability Issues?
Personal injury lawyer Michael Ehline, who writes a legal blog said Mr. Baldridge must be careful how he uses drones and the film. The licensed professional stated that there could be two legal issues with the use of these aircraft, the right to privacy and the FAA. Mr. Ehline said that even following the FAA licensing rules, the penal code is another issue. And this section includes people maintaining their reasonable expectation of privacy.
Reasonable Expectation of Privacy?
So the law is that recording in public places under California law is permitted, so long as you keep your reasonable expectation of privacy intact. An example would be people at the beach who are not aware they are on tape. So now could be a violation of the law. But at the same time, videoing a police officer making an arrest still remains legal.
This type of technology gives Mr. Ehline pause since he believes it is possible shortly that legislators and judges will agree with the use of government drone use. But of course, they will restrict private citizen’s use of the aircraft.
He said that it would not be unforeseen for law enforcement to argue they have the right to use drones to record, but at the same time take that ability out of the hands of the ordinary citizen. Mr. Ehline adds that in California the stance taken by the courts is a pro-government position.
District Attorney Joyce Dudley and a Santa Barbara representative made a statement for the News-Press that to their knowledge they do not use drones. Mr. Ehline still sees the use of these aerial vehicles could quickly become an invasion of privacy and said law enforcement should be held accountable and went on to say how beautiful it would be to have a drone capture a police stop recording the incident.
Recording Police Reduced Police Misconduct?
He cited the case of Rialto, where systematic video recording police officers on the job showed an 80% reduction in misconduct reports. In this situation, the officers carried cameras. And those devices recorded their actions. But imagine how much better this would be with drones? I mean, it could keep less than admirable officers acting within the law right?
The other issue is that it could provide the government with the Legislature intends for using surveillance without a warrant. Even the drones planned to be used by Amazon could be tapped into, and companies like Amazon, who are attempting to get approval for enhanced business opportunities could decide to go along with requests by the government for drone information to gain that support.
The current private drone use regulations include:
Flying below 400 feet.
Mr. Baldridge said that the guidelines for recreational and hobbyists come from in a 1981 circular. And these standards state that airborne model aircraft should remain a “sufficient distance from populated areas.” And Baldridge says you should not fly the craft above 400 feet.
Also, drones must remain within the sight of the pilot at all times. And this is to avoid endangering others and to avoid charges of recklessness.
Mr. Baldridge said that there is a general expectation of privacy in public. And he has not heard of any cases in Santa Barbara where people are concerned about their privacy. But he said that when this craft is over 50 feet in the air, it is as high as a palm tree. So for him, it’s filming public scenery and landscape. So in that case, the drone isn’t low enough to look in someone’s windows.
According to District Attorney Dudley, she does not know of any current lawsuits of private done use.
The FAA is working to establish rules to include drone use in national airspace.
This process is going slowly, and the agency has reported being behind schedule in developing standards. So the agency will not meet a September 2015 deadline. Transportation Department Inspector General, Calvin Scovel III stated as much at a House Transportation aviation subcommittee back in 2014.
Senator Dianne Feinstein, the chairwoman of the Senate Intelligence Committee, spoke out about a personal incident with a drone. And that has made her question her backing of the NSA surveillance program in the past about personal privacy. Sen. Feinstein said on 60 Minutes that she was in her home and there was a demonstration outside. When she went to look out the window, there was a drone outside the window.
She said this made her question what benefit there was to society to have drone use. Also, she pondered when it could be considered stalking or invade privacy. She wondered how close to a home a is drone permitted to be. The legal part of drone regulation remains to be discovered. Also, whether or not California legislation will clamp down on drones, invasion of privacy or other nuisance.