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ACORN People's Platform
ACORN Platform - Net Cache ^ | October 24, 2008 | ACORN

Posted on 10/24/2008 5:09:06 AM PDT by Calpernia

ACORN People's Platform

The People's Platform was conceived at ACORN's 1978 Memphis Convention and ratified at the 1979 St. Louis Convention. In 1990, in celebration of ACORN's twentieth anniversary, ACORN members around the country met in order to revise and update the platform. The resulting document was approved by the Executive Committee of the Association board and ratified by acclamation at the 1990 Chicago Convention.


We stand for a People's Platform, as old as our country, and as young as our dreams. We come before our nation, not to petition with hat in hand, but to rise as one people and demand.

We have waited and watched. We have hoped and helped. We have sweated and suffered. We have often believed. We have frequently followed.

But we have nothing to show for the work of our hand, the tax of our labor. Our patience has been abused; our experience misused. Our silence has been seen as support. Our struggle has been ignored.

Enough is enough. We will wait no longer for the crumbs at America's door. We will not be meek, but mighty. We will not starve on past promises, but feast on future dreams.

We are an uncommon people. We are the majority, forged from all minorities. We are the masses of many, not the forces of few. We will continue our fight until the American way is just one way, until we have shared the wealth, until we have won our freedom.

This is not a simple vision, but a detailed plan.

Our plan is to build an American reality from the American rhetoric, to deliver a piece of the present and the fruits of the future to every man, to every woman, to every family.

We demand our birthright: the chance to be rich, the right to be free.

Our riches shall be the blooming of our communities, the bounty of a sure livelihood, the beauty of homes for our families with sickness driven from the door, the benefit of our taxes rather than their burden, and the best of our energy, land, and natural resources for all people.

Our freedom is the force of democracy, not the farce of federal fat and personal profit. In our freedom, only the people shall rule. Corporations shall have their role; producing jobs, providing products, paying taxes. No more, no less. They shall obey our wishes, respond to our needs, serve our communities. Our country shall be the citizens' wealth and our wealth shall build our country.

Government shall have its role: public servant to our good, fast follower to our sure steps. No more, no less. Our government shall shout with the public voice and no longer to a private whisper. In our government, the common concerns shall be the collective cause.

We represent a people's platform, not a politician's promise.

We demand the changes outlined in our platform and plan. We will work to win. We will have our birthright. We will live in richness and freedom. We will live in one country as one people.


  1. Put the people before profits at the utilities

  2. Promote conservation & guarantee safety

  3. Break the grip of the big energy companies.

Health Care

Health care must be:

To achieve this:

  1. Introduce a set of immediate reforms in the present health care system.

  2. Create a national health care system, along the following lines:


  1. Create more housing for low and moderate income people.

  2. Prevent the displacement of low and moderate income people from their homes

  3. Provide protection for tenants

  4. Clean up public housing

Work and Worker's Rights

Every person who wants to work has a right to a job - a job which pays a living wage and offers opportunities for advancement. Those who cannot work - the elderly, the disabled, single parents with small children - should receive enough income to afford them the basic necessities and allow them to live with dignity.

  1. Charge private industry with job creation and job training

  2. Charge government and big business with the final responsibility for full employment

  3. Provide an adequate income to every American

  4. Establish the fundamental rights of workers, to include:

  5. Reform the National Labor Relations Act

    For workers:

    For management:

  6. Guarantee Women's Rights

  7. Protect Families

  8. Protect All Workers

Rural Issues

  1. Preserve the family farm

  2. Break monopoly control of the food industry

  3. Guarantee a fair share for rural America

Community Development

  1. Clean up the Community Development Block Grant program.

  2. Support community-based economic development

  3. Control the effect of private development on the community

  4. Make public services serve the community

    1. More democracy ... in the neighborhood


      • Establish democratically elected neighborhood boards with jurisdiction over all public investment, major private development, and zoning matters within the neighborhood.
      • Allow appeal from the decision of neighborhood boards by popular vote of the neighborhood (neighborhood referendum).


    2. More democracy ... in elections


      • Institute automatic voter registration
      • Take the money out of politics by:
        1. Establishing public financing of campaigns.
        2. Setting maximum spending figures for candidates.
        3. Requiring strict disclosure of all campaign contributions.
        4. Prohibiting corporations from contributing any type of local, state, or federal election, including general election, primary, initiative, recall, and referendum.
      • Eliminate filing fees for elections.
      • Require that public officials be elected from the smallest practicable units - that is, from wards rather than at-large, from single-member districts rather than multi-member districts, etc.


    3. More democracy ... in government


      • Require recall, referendum, and initiative provisions at all levels of government.
      • Require that low and moderate income people be proportionately represented in all major political institutions, including: the Cabinet, the judiciary, the regulatory boards, and the national party conventions.
      • Select the members of government regulatory boards by direct popular election.
      • Require government offices to be open on evenings and Saturdays so that working people have access to them.
      • Limit the salaries of public officials to no more than the average income of their districts.
      • Compensate citizens who serve on public boards and commissions, testify at utility hearings, or represent the public in other ways for their time and expenses-as with jury duty.

    4. More democracy ... in big business
      • Require all corporations of over $10 million in assets to include worker- representative and low and moderate income members of the community on their corporate boards.
      • Expand the organizing and collective representation rights of workers, farmers, tenants, consumers, and communities in their confrontation with business corporations.


TOPICS: History; Society
KEYWORDS: acorn; acornplatform
Thank you for finding this Fred Nerks!

Notice Bill Clinton in the center of this photo in presentation of this "People's Platform"

1 posted on 10/24/2008 5:09:09 AM PDT by Calpernia
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Cross reference this People’s Platform to:
Healthy People 2010

Since I posted about Healthy People 2010, they now have their own website. A GOVERNMENT website:
Notice the section for Healthy People 2010 Community Implementation Program. Looks the same as this platform.

2 posted on 10/24/2008 5:14:06 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Calpernia

Communist bastards.

3 posted on 10/24/2008 5:14:59 AM PDT by GodBlessRonaldReagan (Wakka-ding-hoy - battle cry of the Plexus Rangers!)
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To: Calpernia

4 posted on 10/24/2008 5:15:45 AM PDT by Marauder (Better to elect a man who fought against communism, not a communist.)
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To: KylaStarr; Cindy; StillProud2BeFree; nw_arizona_granny; SunkenCiv; Velveeta; Dolphy; ...

Ping for pertinent ACORN info for bookmarking.

5 posted on 10/24/2008 5:16:19 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Calpernia


6 posted on 10/24/2008 5:22:09 AM PDT by DocRock (All they that TAKE the sword shall perish with the sword. Matthew 26:52 Gun grabbers beware.)
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From dissfunktional over at Texas Darlin:

what was that that Obama used to do again… before the lawyer thing… Community Organizer? = ACORN (No. Really.)

When on that site ^ and we clcik on “Bio” at the top, this takes us to a whole new site. Oh what a web we weave!

That site is -

Low and behold all of those sites above are listed on Wade Rathke’s site. Wade Rathke is the founder and Chief Organizer of ACORN International and SEIU Local 100.

Golly - Wade is like … Mr. Union! Yet… he wants to close the very companies that provide jobs - a whole LOT of jobs, and products at affordable prices (Walmart). It’s like he’s trying to take over the country or something. A communist. = Acorn as well; however something seems amiss. Site isn’t loading. Went to cache and I see they took the extra step of making images clear.

“Founded by Drummond Pike in 1976, Tides is a nonprofit that promotes social justice, broadly shared economic opportunity, robust democracy and sustainable ”

These are radio stations that belong to ACORN. I noticed they each gave to Obama to support his campaign, and even more dough to oppose McCain:

Another Union that is Acorn -

Project Vote ( where have we heard that before? = ACORN


Mortgage Programs

Through ACORN Housing, homebuyers can gain access to mortgage programs with lower interest rates, lower down payments, flexible underwriting guidelines and lower origination fees. With AHC, you can refinance for better terms through the innovative agreements we’ve formed with lenders.

With AHC you get:

-Lower down payments and closing costs.
-No Private Mortage Insurance.
-Banks generally require 3 months of mortgage payments in the bank at settlement.
With our program, they don’t, which allows you to buy a home sooner.
-Most banks won’t count public assistance or voluntarily child support in determining if you’ll qualify for a mortgage.
With our program, all steady income counts.

(sound familiar? hint - subprime lending… )

1970 – Wade Rathke begins organizing in Arkansas to unite welfare recipients and working people for shared needs and rights; forms ACORN (Arkansas Community Organizations for Reform Now)

1971 – ACORN leaders organize “Save the City” campaign in Little Rock, establishing ACORN as a force in Arkansas politics. ACORN establishes six regional offices in the state around issues of concern to rural and small town Arkansans, begins to tackle statewide issues

1972 – ACORN’s “Save the City Rally” in Little Rock marks first entrance into electoral politics

1974 – In Pulaski County, 250 ACORN members run for office, 195 win seats

1975 – ACORN expands to Texas and South Dakota; first associate Executive Board and first president (Steve McDonald) elected to handle issues of larger scope

1978 – First national convention, of 1,000 members in Memphis, marks beginning of multi-state campaigns

1978-1980 – Participation in 1980 presidential campaign leads entry into national politics

1980 – ACORN is in 20 states, having added at least 3 states each year since

1982 – ACORN reaches 30,000 member families

1980s – Reagan years very trying for low-income communities and organizing. ACORN launches squatting campaign to get low- and moderate-income people into vacant houses and fix them up, with neighborhood approval. Fifteen thousand ACORN members and allies establish “Reagan Ranches” in over 35 cities, building tent cities to symbolize the homelessness Reagan’s policies created. ACORN develops and strengthens ACORN Political Action Committees (APACs) and legislative office.

1985 – ACORN grows to 27 states, including significant chapters in New York, Washington, D.C., and Chicago

1990 – ACORN has more than 70,000 members in 28 states

1994 – ACORN participation has helped Project Vote register 147,000 voters in Michigan, Missouri, New Jersey and Pennsylvania

2000 – ACORN is 125,000 members strong. ACORN registers 100,000 new voters nationwide.

2004 – Now 720 full-time staff working for ACORN and sister organizations, up from 490 just a year before. ACORN organized in 80 cities (up from 60 at the end of 2003) in 31 states. ACORN also expands internationally, with ACORN Canada opening its first offices in Toronto and Vancouver and ACORN Peru opening an office in Lima.

2005 – ACORN now includes chapters in over 100 U.S. cities in 37 states and in Canada, Peru and Mexico

2006 – More than 350,000 member families organized in over 110 cities in 40 states; added Argentina

2007 – ACORN organizes in India

7 posted on 10/24/2008 5:26:01 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Calpernia; sit-rep; Squantos; Eaker; Joe Brower; SLB; wardaddy

Under “Drugs”:

“Ban the manufacture, importation, sale and possession of assault and semi-automatic weapons.”

So, revolvers and single-shot pistols are okay, I presume? Oh, those probably come under “assault” weapons.

These bastards are truly the face of evil.

8 posted on 10/24/2008 5:41:42 AM PDT by Larry Lucido
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To: ex-Texan; TigerLikesRooster; Travis McGee; M. Espinola

You all may want to come over here and bookmark this too.

9 posted on 10/24/2008 5:46:12 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Larry Lucido; Calpernia; sit-rep; Squantos; Eaker; SLB; wardaddy
Well, I'm sure I don't have to tell y'all that the self-anointed elites who concoct these rules for others have their own hardware stockpiled; them, and their bodyguards (official and non).

Some animals being "equal-er", and all that.

Like Squantos sez: Doom on 'em. Bloody, merciless Doom.

Click the Gadsden flag for pro-gun resources!

10 posted on 10/24/2008 5:47:13 AM PDT by Joe Brower (Sheep have three speeds: "graze", "stampede" and "cower".)
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Various snipets from the archives:

July 9, 2001
NATIONAL AFFORDABLE HOUSING TRUST FUND PROPOSED - On June 27, Rep. Barbara Lee (D., Calif.) introduced the National Affordable Housing Trust Fund Act of 2001. The bill proposes using a portion of profit surpluses generated from the Federal Housing Administration Mortgage Insurance Program to create a trust fund to provide for the construction of affordable rental units and homes for low- and middle-income Americans. The bill is co-sponsored by Bernie Sanders (I., Vt.) and John McHugh (R., N.Y.). It is supported by ACORN, the National Low Income Housing Coalition, the National Coalition for the Homeless, and the Macauley Institute.

Press Release

Lifestyles of the Rich and Subsidized Tour

Oct. 18, 2001

Minnesota ACORN
Association of Community Organizations for Reform Now
757 Raymond Ave Suite 200, St. Paul, MN 55104
Phone: (651) 642-0003 Fax: (651) 642-0060
Thursday, October 18, 2001 (651) 642-0003 (612) 296-6195

Who: Busloads of shocked and angry taxpayers and affordable housing advocates
What: Lifestyles of the Rich and Subsidized Tour: Homes they never wanted the poor to see
Where: The parking lot across from ACME Comedy Club (708 N 1st Street)
When: Saturday, October 20th, 1 p.m.
Why: The city neglects affordable housing while subsidizing luxury developments

In recent years members of ACORN and other affordable housing advocates have watched with growing concern as Minneapolis rental prices have skyrocketed and housing prices have put homeownership beyond the reach of many low and moderate income families. This affordable housing crisis has reached such enormous proportions that over half of the people in homeless shelters have jobs and many more are being forced to move out of the city by rising housing costs.
In this context it came as a complete shock when ACORN discovered that our city government was not just ignoring this crisis, the city was making the problem worse! As it turns out 358 million dollars of city taxes are being funnelled into the pockets of luxury developers. These developers are in turn building totally unaffordable housing along the Mississippi river. This housing includes upscale loft condominiums, riverfront mansions and luxury apartment buildings. These units carry up to a one million dollar price tag and an average tax subsidy of $69,000.

ACORN members, taxpayers and those bearing the brunt of rising housing costs are understandably outraged that the city government has used our tax dollars to build housing that we could never afford to live in or own. We feel strongly that tax money should be spent on building housing for low and moderate income people who are the majority of the population and also the ones who need it. Taxes should not be spent on housing for the rich who are a tiny minority of the population that already have a tremendous advantage when it comes to finding good housing.

It is for these reasons that ACORN members and our allies are committed to exposing this injustice and then stopping it. Our first step will be to see for ourselves just where our housing money is going. On Saturday October 20th at 1 p.m. busloads of people from North and South Minneapolis will converge at the parking lot across the street from the ACME comedy club. From there we will begin our visit of the luxury developments entitled, “Lifestyles of the Rich and Subsidized Tour: Homes they never wanted the poor to see.”

*** Good Visuals ***

11 posted on 10/24/2008 5:56:31 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Joe Brower; FreedomPoster; Larry Lucido; Calpernia; sit-rep; Squantos; Eaker; wardaddy; ...

I fear that the freedoms our forefathers fought for and our fathers and many of us fought to defend are hanging by a fragile thread. We will be relegated to the status of a third world nation by these so called “elites.”

“The will of the people is the only legitimate foundation of any government, and to protect its free expression should be our first object.” Thomas Jefferson.

12 posted on 10/24/2008 5:59:29 AM PDT by SLB (Wyoming's Alan Simpson on the Washington press - "all you get is controversy, crap and confusion")
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Archive snipet:

Household International Drops Practice of Selling Single-Premium Credit Insurance!

ACORN’s Campaign Against Household Goes On, July 2001

ACORN has won an important victory in our campaign against Household Finance’s predatory lending practices, and we intend to continue the fight until Household has taken additional crucial steps. After almost a year of ACORN efforts focused on this lender, Household Finance announced on July 11 that it will discontinue the sale of single-premium credit insurance with real-estate-secured loans. As Household was the most visible and largest remaining hold out in continuing to sell this insurance, the announcement likely spells the death knell of this product, which has cost borrowers untold millions in stolen equity, and is thus a major step forward.

Household Finance is among the largest subprime lenders in the country, and among the most abusive. Aggressive and deceptive sales of single-premium credit insurance have been one repeated feature of its loans, and a repeated target of our attack; ending such sales is a crucial piece of the proposal for reform, which we have presented to Household both in writing and in discussions. Unfortunately, Household’s sale of single-premium insurance has also been a part of a much broader pattern of abuses, which includes:

- Misrepresenting loan terms, conditions, and payments, to convince borrowers to refinance, when these refinancings leave the borrowers worse off in every way than they were before.

- Charging outrageous rates and fees, even to borrowers with excellent credit.

- Trapping borrowers in high-cost Household loans by making ‘packages’ of two loans, with the second often at interest rates well over 20percent, which together, along with included points, fees, and credit insurance, total more than the value of the home. However good their credit, borrowers are then effectively prevented from refinancing into loans at better terms.

- Including large prepayment penalties, mandatory arbitration clauses, and other abusive terms.

As hundreds of borrowers with abusive Household loans have become part of our organization and joined with other community members and leaders, ACORN’s campaign to push Household to change its lending practices has been far reaching, and this move on credit insurance clearly comes as a result. At the same time, Household would not have made this shift right now had it not been for Citigroup’s recent announcement on ending credit insurance sales, itself the result of major pressure on that giant lender by organizations around the country, including the Coalition for Responsible Lending in North Carolina, the Greenlining Institute, the California Reinvestment Coalition, Inner City Press, and others too numerous to name.

ACORN’s campaign to push Household to change its practices has included a shareholder strategy, which included demonstrating at the company’s shareholder meeting in Tampa Florida. Along with our presence outside the meeting, we supported a shareholder resolution on predatory lending sponsored by Responsible Wealth and United for a Fair Economy, and were able to have an ACORN leader speak to this inside the meeting, thanks to Domini Social Investments’ willingness to let us use their proxy. The resolution, which asked that executive compensation be tied to efforts to combat predatory lending, garnered more than 4 percent of the vote; this is considered a very high level of support for such a resolution the first time out, and guarantees that it will be on the proxy statement again next year.

We have also been working with city councils and other elected bodies to support divestment from Household until and unless the company changes its practices. These efforts were kicked off by the passage of a resolution to this effect in St. Louis, which has now been joined by Los Angeles, and Chelsea (MA), with many more such resolutions underway. In a similar vein, ACORN moved New York City Comptroller Hevesi, as controlling trustee of the City’s giant pension and retirement funds to add his voice to the demands that Household cease predatory practices. At the same time, we have worked with local labor bodies, and with the AFL-CIO to use Labor’s power, both as pension fund managers, and through its business relationship with Household through the Union Privilege credit card program, to put additional pressure on the company. Working with ACORN, local labor bodies from Louisiana to Philadelphia have passed resolutions and written letters urging Household to change.

Still closer to the ground, ACORN’s campaign has included repeated direct actions targeting Household’s offices in more than 25 cities around the country, and at central locations like Household’s government affairs office in Washington, DC; neighborhood outreach to warn people about Household loans; and a media strategy that has resulted in extensive print, radio, and TV coverage of Household as an abusive lender, in cities from Minneapolis, to Boston, to Phoenix, to Sacramento and more. ACORN has also submitted complaints to state bank regulators and attorneys general in more than 10 States. And we have stepped up the pressure by targeting Household business partners like Best Buy - by warning that company’s shoppers that their names and credit information are made available to Household, which then solicits them for its high cost loans.

Our struggle to push Household to change its abusive lending has been a part of our broader fight against predatory lending, both contributing to and taking strength from our work to win legislative and regulatory changes. Household has been among the most active opponents of the antipredatory lending legislation we fought for and won in Philadelphia, and are poised to win in Oakland, and of the legislation we, along with allies including the AARP, are promoting in California and New York. These fights, too, have helped keep up the pressure for change on this company.

Again, we are extremely pleased that our members’ work means that going forward borrowers will no longer face this abuse from Household. At the same time, Household’s abusive practices will continue to rob homeowners of countless millions until the company makes additional changes, and we are extremely troubled by the suggestion made by some advocates that this change in policy alone makes Household a responsible lender.

For more information, contact Lisa Donner at or (718) 246-7900.

13 posted on 10/24/2008 6:00:57 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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“If we lose freedom here, there is no place to escape to. This is the last stand on Earth.”
- President Ronald Reagan
October 27, 1984

14 posted on 10/24/2008 6:02:11 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Calpernia
“If we lose freedom here, there is no place to escape to. This is the last stand on Earth.”


15 posted on 10/24/2008 6:06:13 AM PDT by SLB (Wyoming's Alan Simpson on the Washington press - "all you get is controversy, crap and confusion")
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Archive snipets, Economic stimulous package?? This was ACORN? The school system in Little Rock where this Janet Miles works just hosted a group of Rwandan students. Bill Clinton holds an honorary Rwandan citizenship:

Dec. 4, 2001:
ACORN DEMANDS REFORM OF WELFARE REFORM - On Nov. 26, Little Rock ACORN Member Janet Miles spoke at a national U.S. Health and Human Services listening session in Philadelphia. Miles is a recent welfare recipient, and she described to Assistant Secretary for Children and Families Wade Horn the problems she has seen with the recent “reform” of welfare. ACORN is working with the National Campaign for Jobs and Income Support to insist that significant improvements be made when Temporary Assistance for Needy Families (TANF) is reauthorized next year. Miles told HHS that welfare recipients who are trying to find stable employment and are complying with all TANF requirements should be assisted with transportation and childcare and must not have their benefits cut off. Already, nationwide, 120,000 families have had their benefits cut or ended because of time limits. ACORN is asking people to urge their Congress members to eliminate time limits on TANF! To listen to New York ACORN Executive Director Bertha Lewis discuss welfare time limits on WNYC Radio, link to For more information, contact Chris Saffert at or 202-547-2500.

Dec. 4, 2001:
SACRAMENTO PUSHES ANTI-SPRAWL LEGISLATION - Sacramento ACORN and allies on Nov. 28 announced the formation of a new coalition called Sacramento Valley Residents for Regional Solutions, a group that has collected more than 75 letters of endorsement in only six weeks for a cutting edge state bill that would limit urban sprawl in the Sacramento region. The coalition unites neighborhood groups, environmentalists, housing organizations, small businesses, and labor to push for a regional solution to sprawl. AB 680, sponsored by Assemblyman Darrell Steinberg, would redistribute new sales tax in the six county Sacramento region in a manner that promotes smart growth, increases equity in the region, and fosters cooperation. The two-year bill must pass out of the Assembly by the end of January. For more information, contact Brian Kettenring at or 916-247-8231.

Nov. 20, 2001:
ACORN CONTINUES TO PUSH FOR ECONOMIC STIMULUS PACKAGE - ACORN is urging Congress to pass an economic stimulus package directed at low- and moderate-income Americans, and (in contrast to some of the corporate welfare proposals under consideration) at actually stimulating the economy. ACORN members in several cities staged events to gain attention for this issue on Nov. 13. For more information, link to or contact Chris Saffert at or 202-547-2500.

16 posted on 10/24/2008 6:12:02 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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More Archives:

March 19, 2001:

ACORN MARCHES ON US CAPITOL — Jackson and Wellstone spoke to an enthusiastic crowd of ACORN members. Wellstone said that within the next two weeks he would introduce legislation backed by ACORN to create a federal living wage.

Following these speeches, hundreds of ACORN members carrying banners and chanting marched five blocks to the steps of the US Capitol for a rally against the Bush tax cuts.

Sen. Jon Corzine (D., N.J.) spoke in support of ACORN’s positions, and members made clear what the cuts would mean through use of some outdoor theater: an elephant presented an enormous gift to a fat cat on the Capitol steps. Fox News and CNN sent cameras. NPR’s Morning Edition covered the event; listen to the story at

The event was also covered by the American Banker newspaper, and the Minneapolis Star Tribune.


ACORN’s positions on the tax cut proposals:

For more information, contact Chris Saffert, ACORN legislative director, at or (202) 547-2500.

March 19, 2001:

ACORN LOBBIES CONGRESS — Also as part of the annual conference, Representative Mike Ross (D., Ark.) and Representative Danny Davis (D., Ill.) spoke to members of ACORN, and Representative Maxine Waters (D., Calif.) was presented with an ACORN Hero-of-the-People Award. In addition, ACORN members from 27 cities and 18 states visited their Congressional delegations. Many Members of Congress, including the first Republicans, agreed to sign on as cosponsors of the Federal Living Wage Responsibility Act. ACORN members lobbied in support of a federal living wage, for an increased minimum wage, for strong legislation against predatory lending, against the Bush tax cuts, in support of making the child tax credits refundable, in support of building more affordable housing, and in support of providing low-income Americans with assistance paying utility bills.

Living Wage and Minimum Wage: ACORN supports the Federal

Living Wage Responsibility Act, and also increasing the minimum wage to $6.65 without providing unneeded tax breaks for the rich or permission for states to opt out.

Predatory Lending: ACORN supports bills by Rep. John LaFalce (D., NY) and Sen. Paul Sarbanes (D., Md.) that would strengthen consumer protections.

Tax Cuts: ACORN opposes Bush’s proposed cuts as too large and too slanted toward the wealthy. ACORN supports making the child tax credit refundable.

Affordable Housing: ACORN supports legislation similar to S. 2997 introduced last year by Sen. John Kerry (D., Mass.) to devote additional federal resources to building affordable housing.

Utilities: ACORN supports providing more funding for the Low-Income Home Energy Assistance Program (LIHEAP) to prevent widespread shut-offs. S.J. Res. 26, introduced by Sen. Kerry, recommends that the Senate approve $1 billion in immediate funding for LIHEAP. The House Appropriations Committee should pass a supplemental appropriations bill.
To learn more about these issues, and to contact your Congress Members, visit, or contact Chris Saffert, ACORN legislative director, at or (202) 547-2500.

17 posted on 10/24/2008 6:20:40 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Coleus; Cagey; Tired of Taxes; LonePalm; frithguild; pandoraou812; Liz

Corzine acting as a spokesman on behalf of ACORN here:

18 posted on 10/24/2008 6:22:20 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Antoninus

Corzine acting as a spokesman on behalf of ACORN here:

19 posted on 10/24/2008 6:23:02 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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More archives:

April 1, 2001:

DEMOCRATS2000 HONORS ACORN — Democrats2000, a group working to elect economically progressive Democrats in 2001 and 2002, on March 28 presented ACORN with its “Voices from the Field” award for ACORN’s exemplary grassroots voter mobilization work during the 2000 elections. Accepting the award were Jean Wallace, Miami ACORN leader on behalf of Florida ACORN; Shada Buyobe-Hammond, board chair of Minnesota ACORN on behalf of Minnesota ACORN; and Albuquerque ACORN leader Yolanda Lugo on behalf of New Mexico ACORN. The award was presented by Representative. Jesse Jackson, Jr., a Democrats2000 board member. (See Democrats2000 at

Chris Saffert, ACORN legislative director at or (202) 547-2500

April 1, 2001:

ACORN ARRIVES IN SAN YSIDRO — San Diego ACORN has opened a chapter in San Ysidro at the Mexican border. Twenty-two new members demonstrated to win a solution for frequent flooding in a neighborhood street. And the target of the demonstration has now become an ally in ACORN’s street-safety campaign. For more information, contact Clare Crawford at or (619) 235-9593.

Oct. 22, 2001:

ACORN PROPOSES ECONOMIC STIMULUS PACKAGE - ACORN is promoting an economic stimulus package that would be directed largely at low- and moderate-income Americans.

These are the people worst hurt by a recession, and the people most likely to immediately spend any money made available to them. On Oct. 15, ACORN held events in cities across the country urging Congress and the President to include in an economic-stimulus package the following items:

· expanded unemployment insurance,
· a foreclosure/eviction prevention plan,
· construction of affordable housing,
· energy assistance and a moratorium on shutoffs,
· an expansion of Medicaid to cover unemployed workers,
· an increase in the minimum wage,
· and tax rebates and child tax credits for those who did not receive them.

In several cities, senators and representatives participated in Monday’s events. For more information, link to

Chris Saffert at or 202-547-2500.

20 posted on 10/24/2008 6:37:00 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: Calpernia

I took a peek but I’m sick of Acorn. Think I will pass on that thread.

21 posted on 10/24/2008 7:10:36 AM PDT by ex-Texan (Ecclesiastes 5:10 - 20)
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‘Breakthrough’ Agreement on Fair Lending Standards

Unites Industry, Activists

WASHINGTON, D.C. – JULY 26, 2000 – In an accord that marks a breakthrough in cooperation between the subprime home mortgage industry and community activists, Ameriquest Mortgage Company and ACORN (Association of Community Organizations for Reform Now) today announced a pilot lending program designed to provide families in low-income neighborhoods with counseling and access to loans. The program will offer $360 million in mortgage financing over a three-year period – and set strong new consumer protection standards for the subprime lending industry.

In addition to the agreement with ACORN, Ameriquest has adopted an unprecedented set of consumer safeguards that will define industry-leading standards of ethics in home mortgage lending.

"Helping families achieve ‘the American dream’ of homeownership is the heart and soul of Ameriquest’s mission," said Kirk Langs, president of Ameriquest – one of the nation’s largest lenders to consumers with impaired credit ratings. "With this partnership for new investment in low and moderate income housing, ACORN and Ameriquest will unite in helping families gain high-quality housing – with a range of consumer safeguards and education that will also help them achieve long-term financial security."

"The ACORN pilot with Ameriquest is an exciting new program that offers families in low income neighborhoods a better deal than they will get with any other subprime lender," said Maude Hurd, national president of ACORN. "ACORN members and others in low income neighborhoods need access to credit to become homeowners; to repair their homes; and to meet other critical financial goals. This program will deliver loans to meet these needs – and it will do so offering the strongest safeguards and the best terms in the industry. Just as important, this initiative will help raise the bar for the rest of the subprime industry."

The three-year pilot program will make subprime mortgage financing available – with the industry’s strongest set of consumer safeguards – to residents in up to 10 low- and moderate-income urban neighborhoods around the country in which Ameriquest has branches. In addition to Ameriquest’s mortgage financing, ACORN and its affiliate ACORN Housing Corporation will provide consumer information, financial education and loan counseling services to community residents. The pilot program cities are:

"The ACORN-Ameriquest pilot program includes provisions that are far better than those available anywhere else in the subprime market, including critical measures such as no prepayment penalties, a 3% limit on fees, interest rates 50 points below average, and no credit life insurance," added Hurd. "These provisions are just what ACORN Housing Corporation’s mortgage counseling clients have been looking for."

"These new safeguards – the strictest standards in our industry – will help ‘elevate the vision’ for good corporate citizenship among all subprime mortgage lenders," said Langs. "We are in the forefront of a public-spirited reform effort to raise the level of consumer protection and public service throughout our industry."

"We applaud Ameriquest for enhancing its code of "Best Practices" – in particular their precedent-setting willingness to extend the rescission period to 7 days from the standard 3 days," said Hurd. "Ameriquest’s code puts the company on record in opposition to many of the outrageous practices that are all too common in the subprime industry."

The new "Best Practices" code of conduct was formulated during a series of meetings among senior Ameriquest officials and leaders of two nationally recognized community activist groups: ACORN and the Consumer Mortgage Education Consortium (CMEC). CMEC is an organization formed in 1996 with the support of Ameriquest and three leading Washington, D.C.-based civil rights organizations – the Leadership Conference on Civil Rights, the National Fair Housing Alliance and the National Association of Neighborhoods.

"Working families deserve a fair deal in our society, and these new standards will help make sure they get a fighting chance for success in our economy," said Wade Henderson, co-founder of CMEC. "Ameriquest has long been recognized for its strong ethical standards, and these ‘Best Practices’ will show every lender that good corporate citizenship is also a good way to do business."

The "Best Practices" include:

"Providing reasonably priced credit to borrowers who have been denied loans by conventional lenders helps people get the capital needed to work their way out of financial problems," said Langs. "By setting strong ethical standards, and by supporting programs that promote nationwide financial education for home buyers and homeowners, we will show the industry that consumer protection is good for borrowers and good for lenders."

"Full disclosure, competitive pricing and access to sound financial advice from many sources are essential factors in ensuring consumer protection," added Langs. "By adopting this enhanced package of ‘best standards,’ Ameriquest hopes to inspire the entire industry to reinforce its commitment to consumers. Fair access to credit is the foundation of economic opportunity, and these standards will assure that borrowers can make well-informed decisions about the loans they seek and the credit they need."

About Ameriquest Mortgage Company:

Ameriquest is the nation’s largest retail subprime lender. We are a residential mortgage company that originates, purchases, sells and services specialty finance mortgage loans. The company currently operates 193 retail branches in 30 states, and has over 2,700 employees. Our borrowers typically seek to consolidate debt and reduce their monthly payments. The majority of our loans are made to specialty finance borrowers who are unable to qualify for traditional credit because their credit history, income, or other factors cause them not to conform to standard agency lending criteria.

About ACORN:

ACORN is the nation’s most successful national association of low and moderate income community organizations, and is celebrating its 30th anniversary in 2000. ACORN’s most important strength is its commitment to building large scale organizations of low and moderate income families which have the power to achieve justice for their members, for their communities, and for the nation. ACORN has over 150,000 low and moderate income members, organized into 700 neighborhood chapters in 40 cities across the country.


22 posted on 10/24/2008 7:13:47 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: ex-Texan

There are archives I’m finding on the mortgage and housing though.

23 posted on 10/24/2008 7:14:42 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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Main Page

Cites Discriminatory and Predatory Lending Practices By Both Companies


Washington, DC: The Association of Community Organizations for Reform Now (ACORN) is asking federal banking regulators to prohibit the purchase of Associates First Capital, largest consumer lender in the country, by Citigroup, the largest financial services company in the world.  In written comments filed today with the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Commission (FDIC), ACORN cited abusive lending practices by Associates, such as charging borrowers for unnecessary and expensive credit insurance, and a discriminatory pricing and delivery system by Citigroup, in which Citibank provides quality home loans to select borrowers, but serves lower income and minority communities with much higher cost loans through its subprime affiliates.


“This is the perfect opportunity for the regulators to finally do something more than just talking about the predatory lending problem,” said Maude Hurd, ACORN’s National President.  “Will the regulators demand that Citigroup and Associates stop their unethical and harmful  practices, or will the regulators again turn a blind eye to the problem and allow our neighborhoods to continue to be ravaged by predatory lenders? The regulators should not just rush into granting permission for this merger,” Hurd continued.  “At the very least, they need to take adequate time to consider the community’s views, and to hold a public hearing.”


In its comments, ACORN noted that Associates is currently under investigations by the Federal Trade Commission, the U.S. Department of Justice, and the North Carolina Attorney General’s Office for various illegal lending practices.  ACORN urged the banking regulators to withhold approval of the merger until these investigations are completed and changes are made to ensure that any identified predatory practices do not reoccur in the future.

Among Associates predatory practices, ACORN highlighted the problems related to Associates’ high-volume sales of single-premium credit insurance policies in conjunction with the loans it originates.  Associates is the fifth largest seller in the country of credit life insurance – insurance which will pay off the borrower’s debt with Associates if the borrower dies. Borrowers are often pressured into buying the credit insurance policies or are even sold the policies without their consent or knowledge.  The policies, which are financed into the high-interest loan are extremely profitable for Associates.  While group life, health, and accident insurance policies have historically had loss ratios (the ratio of claims paid out to premiums collected) of around 75 percent, Associates has a loss ratio on its credit life insurance policies of below 42 percent.


“Credit insurance is a giant rip-off for the consumer, but an enormous money-maker for Associates,” ACORN President Maude Hurd stated.  “Associates pays out so little of the money they take in, and since credit insurance pays the company which made the loan, rather than the customer, all of the claims paid out by Associates’ insurance policies are paid right back to Associates.”


In addition to Associates’ abusive subprime lending practices, ACORN also cited its serious concern about Associates National Bank, which is based in Delaware and part of the larger Associates corporation.  Associates National Bank received a “Needs to Improve” rating in its most recent Community Reinvestment Act (CRA) exam.  Less than two-percent of all banks receive a rating lower than “satisfactory.” 


ACORN stated that without regulatory action there was no reason to believe that Associates’ practices would be brought up to an acceptable standard after the merger.  Citigroup has defended the sale of single-premium credit insurance, and Citibank has concentrated its lending activity in higher-income and predominantly white communities, leaving low and moderate income and minority communities to its subprime lending affiliates and their higher fee, higher interest rate loans that more often contain predatory conditions.


ACORN also pointed out that another Citigroup affiliate, Salomon Smith Barney, has been a major securitizer of subprime loans, and thus far, has refused to adopt standards that would stop it from funding predatory loans.  ACORN stated that if Associates becomes part of Citigroup, it would grant Associates much easier access to the capital which Associates needs to carry out its predatory lending.


ACORN (Association of Community Organizations for Reform Now) is a national grassroots membership organization that fights for better schools, jobs, and neighborhoods and works to secure fair access to credit for low-income and minority neighborhoods.    Over the last year, ACORN members across the country have been waging a full-scale campaign against predatory lending: releasing studies documenting the impact of predatory lending; confronting predatory lenders directly to improve their practices; exposing Wall Street investment firms which finance predatory loans; pushing state and federal regulators to aggressively investigate lenders and take appropriate actions; holding meetings and workshops to educate the community; and working for legislative change on a local, state, and federal level.



24 posted on 10/24/2008 7:22:21 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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ACORN Targets Predatory Lending at National Convention
First National Gathering of Grassroots Activists and Lending Victims

Over 2000 ACORN members from across the country will take action against predatory lending at as the issue takes center stage at ACORN's 30th Anniversary National Convention in Philadelphia June 24-26. ACORN's convention will be the first national gathering of grassroots activists and community leaders to address the issue.

"We have fought for years to increase reinvestment in our communities only to be victimized by predatory lenders. ACORN will fight to take back our communities from these loan sharks street by street if we have to," according to Maude Hurd, ACORN National President. "Although we are celebrating our victories and our endurance after 30 years, we are coming to Philadelphia this June Fighting for Our Future."

Over the past year, ACORN has engaged in direct action against both large and small predatory lenders, using a wide range of tactics to expose their abuses, pressure them to change their practices, and to generate support for ACORN's efforts to win regulatory intervention and needed legislation with increased consumer protections. ACORN has targeted some lenders nationally because of their outrageous practices and the large volume of complaints we have received from their customers. ACORN's campaign has resulted in HUD investigations, the introduction of state legislation, local ordinances, and national legislation.

Over 30 years, ACORN has become the nation's largest organization of low and moderate-income in the country. ACORN will celebrate its 30th Anniversary with a host of national civil rights and labor leaders including: Linda Chavez-Thompson, Executive Vice President of the AFL-CIO; New York civil rights leader Rev. Al Sharpton ; Rep. Jesse Jackson Jr.; and Dennis Rivera, President of Local 1199/SEIU, and other community and labor leaders.

From an organization founded by welfare mothers in Little Rock, Arkansas, ACORN celebrates its growth, longevity and success as it has grown to an organization with over 150,000 African-American, white and Latino family members in 34 cities. Organizational accomplishments include:

ACORN is the nation's oldest and largest grassroots community organization, with offices in 34 cities. Our multi-racial membership of low and moderate income families work in neighborhood chapters to improve local conditions as well as work on larger citywide, statewide, and national issues such as affordable housing, quality education, living wage jobs and increased homeownership.


More net archives:

But in Little Rock, Hillary Clinton joined the male-dominated Rose Law Firm. The decision, she wrote in her memoir, was partly economic, an effort to secure the family's finances while Bill Clinton pursued a career in politics.

Although she continued to do free legal work for some groups, her new career occasionally put her at odds with constituencies with whom she'd traditionally been aligned. In the late 1970s, a community group won a major victory with the passage of a Little Rock ballot measure regarding utility rates. The proposal aimed to make the rates more affordable by creating a fixed price for the first 400 kilowatt hours of consumption, so low-income customers could have power for their basic needs, said Wade Rathke, the founder of the Association of Community Organizations for Reform Now, the group behind the measure. The measure would have forced large utility users, such as businesses, to pay more.


Looks like Hillary did free legal work for ACORN, which birthed in Little Rock.

25 posted on 10/24/2008 7:44:27 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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Wade Rathke - co-founded ACORN and SEIU, board member TIDES Foundation

Memo from ACORN. Investigated for tax fraud for accepting contributions from a non-profit “dummy” organization they run called Project Vote.


The New York Times reports:

The June 18 report, written by Elizabeth Kingsley, a Washington lawyer, spells out her concerns about potentially improper use of charitable dollars for political purposes; money transfers among the affiliates; and potential conflicts created by employees working for multiple affiliates, among other things

It also offers a different account of the embezzlement of almost $1 million by the brother of Acorn's founder, Wade Rathke, than the one the organization gave in July, when word of the theft became public. . .

Ms. Kingsley's concerns about the way Acorn affiliates work together could fuel the controversy over Acorn's voter registration efforts, which are largely underwritten by an affiliated charity, Project Vote. Project Vote hires Acorn to do voter registration work on its behalf, and the two groups say they have registered 1.3 million voters this year

As a federally tax-exempt charity, Project Vote is subject to prohibitions on partisan political activity. But Acorn, which is a nonprofit membership corporation under Louisiana law, though subject to federal taxation, is not bound by the same restrictions.

26 posted on 10/24/2008 8:14:13 AM PDT by Calpernia (Hunters Rangers - Raising the Bar of Integrity
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To: LucyT

did you get a ping to this? (Acorn, very long)

27 posted on 10/24/2008 2:49:15 PM PDT by Fred Nerks
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To: Calpernia


>>“If we lose freedom here, there is no place to escape to. This is the last stand on Earth.”
- President Ronald Reagan
October 27, 1984<<

28 posted on 10/24/2008 3:42:52 PM PDT by KylaStarr (..keeping watch)
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To: Fred Nerks; Kevmo; null and void; pissant; george76; Polarik; PhilDragoo; Candor7; FARS; ...

Thanks Fred Nerks. This is one to bookmark.


29 posted on 10/24/2008 4:17:25 PM PDT by LucyT
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To: Calpernia; DAVEY CROCKETT; LibertyRocks; PGalt; Velveeta; milford421; Rushmore Rocks

Have local law enforcement agencies distribute warning flyers whenever a rape or assault occurs in a neighborhood. <<<

What kind of fools are these folks?

The above will cure the rapes....if attached to the end of a rope and thrown over a tall tree limb.

As I read your first post, all I could think of was, “This is what they worked so hard to bring to pass with the communist manifesto............

And they want it all now.

How boring that life will be, I shudder to think of it.

An excellent thread, thank you, exceptional researcher should be your title.

30 posted on 10/24/2008 10:46:47 PM PDT by nw_arizona_granny ( SURVIVAL, RECIPES, GARDENS, & INFO)
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To: Calpernia

Great research! Job well done!

31 posted on 10/25/2008 1:25:38 AM PDT by M. Espinola (Freedom is not 'free'.)
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To: Calpernia; AdmSmith; Berosus; Convert from ECUSA; dervish; Ernest_at_the_Beach; Fred Nerks; ...

Thanks Calpernia.

32 posted on 10/25/2008 11:36:06 AM PDT by SunkenCiv ( finally updated Saturday, October 11, 2008 !!!)
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To: nw_arizona_granny; Calpernia; All

Thanks very much for the ping, granny. OUTSTANDING post, Calpernia! Educational, informative, enlightening. Thank very much for all of your work.


33 posted on 10/26/2008 11:27:26 AM PDT by PGalt
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To: Calpernia

Ameriquest and Obama’s speech contibutor (/sarcasm) Deval Patrick.

Update of March 12, 2007: From Deval Patrick, following his $360,000 a year part-time service on the board of directors of the predatory lender Ameriquest / ACC: “As a former board member, I was asked by an officer of ACC Capital to serve as a reference for the company and agreed to do so. I called Robert Rubin, a former colleague from the Clinton administration and an executive at Citigroup, to offer any insight they might want on the character of the current management... I appreciate that I should not have made the call.”

34 posted on 10/26/2008 12:27:28 PM PDT by PGalt
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