09-09-28-Request for guidance from the Federal Reserve Board.

Date: Mon, 28 Sep 2009 13:15:44 -0700

To: donna.m.harrison@frb.gov
From: joseph zernik

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Subject: Request for guidance from FRB in getting help from Federal Agencies in alleged financial institutions fraud, in view of the Fraud Enforcement and Recovery Act of 2009.

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Bcc:

September 28, 2009


Donna M Harrison
Federal Reserve Board
By Email

Ms Harrison:

I hope that you could help. Please inform me: Which of the multiple federal agencies involved in banking regulation could assist me in this matter. I already filed a complaint with the regulating body in this case - CALIFORNIA DEPARTMENT OF FINANCIAL INSTITUTIONS - an exercise in futility. They informed me in advance that their procedure involved no actions on their part. It just provided an opportunity for the consumer and the financial institution to state their positions.

My position was that USC CREDIT UNION was key to the perpetration by Att DAVID PASTERNAK of real estate fraud against me- as opined by decorated FBI agent JAMES WEDICK. Damages to me exceed $2.0 millions. I believe that such crimes, as opined by Mr WEDICK, deserve attention of federal agencies, given that State of California and local agencies entirely refused to address the issue.

The alleged frauds here were by a small financial institution, but it engaged in such conduct repetitively, with impunity. I believe that the reason was that COUNTRYWIDE and BANK OF AMERICA CORPORATION were tied to the same fraud, and it was obvious that no action was taken against them. Since January 2007, I have submitted numerous complaints against COUNTRYWIDE, ANGELO MOZILO, and SANDOR SAMUELS, for what I believe would be deemed by court as willful criminal conduct, with a pattern that continued now for over 2 years.

I have detailed documentation how such complaints were deliberately ignored, or even undermined, by FBI, SEC, THRIFT SUPERVISION, and FEDERAL TRADE COMMISSION, as well as other agencies.

In January 2007, the issue was not of much interest. However, today, the question of non-functional banking regulation in the U.S. is the focus of interest world-wide, and the loss of confidence in U.S. regulation of its financial institutions causes real harm to the U.S. economy.
In recognition of the importance of the issue, the U.S. Congress even passed the:

. Fraud Enforcement and Recovery Act of 2009
. An Act to improve enforcement of mortgage fraud, securities and commodities
. fraud, financial institution fraud, and other frauds related to Federal assistance
. and relief programs, for the recovery of funds lost to these frauds, and for other
. purposes.

In sum: PLEASE LET ME KNOW WHICH AGENCY I SHOULD APPROACH, AND WHICH PROCEDURE I SHOULD INVOKE TO INITIATE REVIEW OF MY CLAIMS, WHICH ARE CREDIBLY DOCUMENTED, INCLUDING FRAUD EXPERT OPINION LETTERS.

Expedient response would be appreciated.



_____/s/ Joseph H Zernik_________
Joseph Zernik, DMD, PhD


cc:
U.S Congress
Basel Committee
Embassy of the People's Republic of China in Washington DC.



At 12:35 PM 9/28/2009, you wrote:

Return Receipt

Your . Integrity of records produced by USC Credit Union as the
document: . legal foundation for actions in Dr Zernik's accounts with
. . . no authorization and with no notice, which caused
. . . devastating harms, and Integrity of Operations at USC CU.

was . . donna.m.harrison@frb.gov
received
by:

at: . . . 09/28/2009 03:35:15 PM