REFERENCE SOURCE: web site / occ.gov
The Office of the Comptroller of the Currency processes questions and complaints concerning consumer issues within the jurisdiction of the OCC through our Consumer Assistance Group (CAG) (and sends misdirected complaints to the appropriate federal or state regulator).
OCC processes complaints involving national banks and federal savings associations with more than $10 billion in assets on behalf of the CFPB, while the CFPB builds its capacity to handle complaints. Under this approach, the CFPB will begin by handling credit card related complaints involving national banks and federal savings associations with assets of $10 billion or more and will expand its complaint process to other products and services offered as the new bureau builds that capacity through March 2012.
Consumers can contact the bureau through its Web site, consumerfinance.gov, or by phone at 855-411-2372. Consumers may use the FFIEC site to identify a financial institution's primary regulator, or may use the FDIC institution directory to identify which institutions have more than $10 billon in assets.
For specific problems with a financial institution other than a national bank, contact the customer assistance:
(1) State Banking Department WRT a state bank
(2) Federal Deposit Insurance Corporation (FDIC), or,
(3) the Federal Reserve for federally chartered banks.
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NOTE WELL Under the Bank Secrecy Act, banks are required to establish, implement and maintain programs designed to detect and report suspicious activity indicative of money laundering and other financial crimes. “The Bank Secrecy Act was enacted to protect the public from harm by identifying and detecting money laundering from criminal enterprises, terrorism, tax evasion or other unlawful activities,” the special agent in charge for Internal Revenue Service Criminal Investigation, explained.
Shady banking transactions could be prosecuted under the (1) Bank Secrecy ACT, (2) RICO, and, (3) the Hobbs Act.
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<><> L/E should get ahold of: (1) copies of checks, (2) wire transfers, (3) account statements, (4) invoices, (5) bills, (6) delivery tickets, (7) correspondence including snail mail, e-mail, mobile devices, cell phones, (8) contracts, (9) loan agreements, (10) other account books or official records.
L/E should also explore (a) monies paid to brokers, sub- brokers, (b) family members, (c) mortgage brokers, (d) financial managers, and, (e) real estate agents, brokers, and developers.
<><> L/E should scrutinize bank accounts for suspicious activites: (A) large deposits, (B) funds transferred from one account into another, (C) frequent requests for withdrawals.
<><> Bank records might also show diversions to secret LLC accounts, to money launder and to operate personal ventures---or to finance campaign activities (and/or other redistribution schemes favored by the WH).
Tax fraud may also be a factor; facilitated by withdrawals, gift cards purchases, credit card purchases and intra-bank transfers from bond proceeds accounts into personal accounts, campaign accounts, or into other shady redistribution schemes.
Are the principles using credit cards? Reversing credit card write-offs is a common scam, initially writing off credit debt then cooking the books by reversing the write-off for annual reports. The fraud could also be carried on the accounting books as an unbilled disbursement "receivable."
Backdating checks to hide the date on which checks were received---in order to minimize the risk that school/bank auditors would discover fraudulent accounting practices.
Reclassifying expenses on financial statements to seemingly reduce expenses. This change in treatment is usually not disclosed to auditors or properly classified on official financial statements.
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TAX_EXEMPT BOND OFFERINGS -- The SEC would be interested in possible Fraudulent Methods WRT misleading bond offerings, defrauding investors by misleading them about use of tax-exempt monies; using falsified marketing materials to mislead investors.
Is there a local “Master Plan”?
That might describe certain fraudulent accounting adjustments pursued as part of a sub rosa scheme; engaging in fraudulent conduct to mislead WRT tax revenue, expenses, or payments; perhaps structuring transactions as "loan repayments" to falsify revenue.
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Is there leveraging of tax dollars to secure bank loans that benefit principles?
Perhaps classifying fraudulent withdrawals as revenue on official documents?