UAAD'S PROPOSAL to FUND SOLAR PANELS for LOW-MODERATE INCOME HOMES

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UAAD Hurricane Victims Recovery

Louisiana Non-Profit Recovery Coalition (LNPRC)

 

LNPRC's main objective is to co-op with FEMA in making modular homes and mobile homes available to hurricane victims and low-income persons in Louisiana.

We are seeking assistance from organizations, individuals, city, state and federal agencies in order to faciliate housing now and not later. For additional information see:   http://www.uaadcorp.com and click on: LNPRC.

 

A status report on UAAD’s progress regarding FEMA’s mobile home/module home donation program

 

As the CEO of United Affirmative Action Development Corp, (UAAD), I took an interest in how our 501c3 could get involved in FEMA’s mobile home, module home donation program.  After many phone calls, emails and correspondence with various FEMA officials, many being evasive and some being downright dishonest, we were later introduced, in late November, to Mr. Roman Napoli, a FEMA official.  During the conversations with FEMA officials, it was always stated that UAAD alone was the only non-profit who had expressed an interest in the program.  UAAD then began a process to form Louisiana non-profit Recovery Coalition,(LNPRC), inviting any and all non-profits, Faith Based Organizations, Civil Rights Organizations to include the Nation of Islam, to join together to address the housing concerns of the Katrina/Rita hurricane victims.

After filing a complaint to Congressional Representatives and other pressures, Mr. Napoli and other FEMA officials met with me representing UAAD and other representatives of non-profits, on December 6, 2006 at the FEMA building on the West Bank in New Orleans, LA.

Others indicated they would prefer having the units  awarded to their non-profit, but was advised that they could only be awarded to UAAD, to which they agreed.  A draft document was drawn up by Ms. Verdie Culpepper after the meeting, showing that Plaquemine Parish would be awarded 120 mobile homes which was the amount needed for Plaquemine Parish. 

 

Mr. Napoli and others at the table on behalf of FEMA, indicated that the process should move smoothly from this point and a final draft should be forthcoming soon.  With Ms. Culpepper’s advice and being provided with the proper documentation, UAAD has spent considerable resources traveling around the state of Louisiana, organizing Coalition Partners and signing individuals as requested by FEMA to receive FEMA mobile homes and  modules.                                                          

 UAAD was told on several occasions that Mr. Napoli or/and Ms. Culpepper would be available for consultation while the draft was being finalized.

UAAD asked that any information and proposals we submit be made available to the public.  We felt that since this was a program FEMA had previously indicated that Community Organizations could be instrumental in helping to develop, we felt it would be better to develop the program in an open forum.

 

At the December 6 meeting it was indicated that a few Community Organizations had expressed an interest in a few of the units.  ACORN, whom we had invited to this meeting, was scheduled to meet the following day Dec. 7th.

 

FEMA was advised that UAAD would put as much information as possible on its web-site, www.uaadcorp.com in order that others could participate with the coalition LNPRC.

 

UAAD has kept Mr. Napoli and Ms. Culpepper aware of our proposals throughout the process. 

See:  http://unitedaffirmativeactiondevelopment.com/id37.html.

 

The manner in which the proposal is being finalized is creating financial and other burdens on UAAD and its Coalition Partners.  After devising several proposals to implement the process, it appears that without FEMA’s consultation as previously promised; only conflict and confusion will develop.  UAAD has requested verbally and in writing for FEMA to call a meeting or at least a telephone conference to coordinate a unified workable program.  FEMA refuse to do so. 

 

This week while seeking financial assistance in Belle Chase, LA, I was told by the Exec. Director of HANDS of HOPE, Mr. Benny Puckett that he was displeased with the program UAAD and other coalition partners were promoting in the Parish.  When asked what his   objections were he stated that the program was devised to take advantage of the Hurricane Victims.  It was stated that HANDS of HOPE was a faith based 501c3 and funded by the United Way and others, would not get involved with our organization(s).  When asked if his organization would provide UAAD with a workable plan that could be implemented due to our not having funding, Mr. Puckett did not have an answer.  When asked if his Faith Based 501c3 backed by the United Way and others, would devise a plan, and submit to FEMA, in order to help the Hurricane Victims, he looked at me as though I was nuts.  He went on to state he was going to contact the Parish President who is a friend of his and report his dissatisfaction with our coalition partners proposals.   It now appears that there may be some substance to Mr. Puckett’s influence in Plaquemines Parish Government.

Since our conversation, it appears that the permit office of which Ms. Connie Treadway is in charge, is refusing to process permits and letters requested and promised to Hurricane Victims of that Parish, many being people of color.

 

In a conversation with Mr. Naploi of FEMA, it appeared that he was indicating that our program had indications of being for-profit in violation of FEMA policy.  When asked what led him to indicate so, he related that he had other matters to take care of and did not give an answer.  When UAAD presented our proposal to FEMA, we indicated how we were going to build a relationship between UAAD a non-profit and UEDC a for profit.  Mr. Napoli nor Ms. Culpepper expressed any objection.  In the event there is a conflict between the relationship of the for-profit and the non-profit we would expect that FEMA would have or will spell out such conflicts.

 

Again after traveling the state of Louisiana promoting this program, it appears from the conversation I had with Mr. Napoli this PM is that FEMA intend to delay this program, promoting further suffering to the Hurricane Victims.

See: http://unitedaffirmativeactiondevelopment.com/id31.html

 

Walter L. Ellis, CEO UAAD

uedcinc@aol.com

 

Community Partnership Division

OVERVIEW  & LONG-TERM GOALS

Our goals with JPMorgan Chase Bank of Louisiana are as follows:

To establish and maintain an effective ongoing working relationship between Chase Bank and United Affirmative Action Development (UAAD) Corp.

To better acquaint the officers of JPMorgan Chase and other representatives of the banking and financial services community of the mission and goals of the UAAD Corporation as they pertain to the Community Re-investment Act (CRA) of 1977. 

To develop long-term partnership strategies designed to help bring economic parity and to eliminate inequitable lending practices for Louisiana citizens who have historically been disenfranchised by unfair lending and quality financial services, denying their participation in the free enterprise system.

ORGANIZATION HISTORY AND MISSION

The United Affirmative Action Development (UAAD) Corporation is a 501 3 non-profit organization that was found in California in 1992 and began operation in Louisiana in 1996.  UAAD is national in scope with emphasis on state and local initiatives developing and empowering low and moderate-income residents to initiate and to tailor the CRA investment and other financial and community resources to their specific community needs. This endeavor will assist African-Americans in achieving economic parity, while simultaneously establishing and maintaining effective working relationships with their respective participating local banks and other financial institutions.

The mission of UAAD is to serve as both a leader and a conduit in converging financial services with community and educational resources, such as Historical Black Colleges and Universities (HBCUs). Our corporation is positioned to serve as the premier broker of financial services, with emphasis on the Community Re-investment Act (CRA) of 1977, between financial institutions and the target population to which long-term strategic financial and education services are to be delivered. 

 TARGET POPULATION 

This initial effort is designed to serve Louisiana residents who are African-Americans or members of other minority groups. Significantly, scholarship opportunities will be made available to African-American students enrolled or plan to enroll in HBCU institutions. Grambling State University will serve as our pilot project for this initiative.   Particular emphasis will be given to help residents negatively impacted by Hurricane Katrina in their continuing destabilizing efforts.

PROJECT DESCRIPTION

As aforementioned, UAAD plans to increase economic parity for low and moderate-income citizens of Louisiana with a concentration on the African-American population.

Under the auspices of CRA, our corporation proposes to accomplish this broad and complex objective through varied and mixed approaches to include, but not limited to, the following strategies:

To establish and maintain long-term effective collaborative relationships with and between a broad range of entities such as banks and other lending institutions, Historically Black Colleges and Universities (HBCU), Civil Rights organizations, churches and faith-based institutions, and self-help and grassroots organizations. 

To establish Business Development Centers (BDC) throughout the State of Louisiana, provide both accessibility and the necessary financial literacy training, to enable members of the target population to acquire the necessary education and tools to become and remain financially solvent, and thereby self-sufficient in society. These centers will be holistic, as they will help to establish family-owned businesses, to include dislocated citizens, as well as other entrepreneurial initiatives.

To insure that any African-American high school or adult student, who is a resident of Louisiana, desiring a post secondary education is given that opportunity through a scholarship program made available through the Community Re-investment Act (CRA). Both traditional and non-traditional students would be encouraged to pursue careers in banking and financial services, computer and technologies, and international fields of study.

As both long-term preventive and intervention strategies, UAAD will work with the public education systems, at both the state and district levels, to incorporate financial literacy programs into the education curriculum.  This innovation will enable our young people to enter adulthood and life with a sound understanding of how our economic and financial systems are structured, and of equal importance, how these systems positively and negatively impact them, both individually and collectively.    

PARTNERSHIPS AND COOPERATING AGENCIES

Louisiana Association of Non-profit Organizations (LANO) 

Recycling  Black Dollars  - national in scope, based in Los Angeles, CA

 Historically Black Colleges and Universities (HBCUs)

Louisiana banking institutions to include, but not limited

to, JPMorgan Chase, One United Bank and Liberty Bank

 NAACP Branches – State of Louisiana

Southern Christian Leadership Conference (SCLC)

March 4, 2006

Proposal to JPMorgan / Chase Bank to establish

Professorships and Business Development

Centers at Grambling State University (GSU), all

HBUC’s and other colleges and universities in the

state of Louisiana.

UAAD request a grant from Chase Bank for the following purposes:

To establish Professorships at HBUC’s in order that students become more informed of all the benefits of the banking industry.

To establish, off campus, a business development center.  This center will benefit the community in which the bank(s) serve, and will allow for equitable distribution of banks’ community partnership or CRA funds available to low-moderate income individuals.

In order that UAAD can facilitate this request we are asking Chase Bank to support this project in the following manner:

A grant of $20,000.00 to cover cost of arranging conferences related to this proposal. To also prepare a comprehensive proposal to request funding for:

Professorships at GSU                                                       $600,000.00

Administration support                                                         400,000.00

Building                                                                                 500,000.00

                                                                                          $1,500,000.00

 

Dillard University                                                            $1,500,000.00

Southern University                                                         $1,500,000.00

Xavier University                                                             $1,500,000.00

Louisiana Tech                                                                    $500,000.00

Univ of LA @Lafayette                                                      $500,000.00

Other Universities and Colleges with established

Business Development Center                                       $1,000,000.00

Total                                                                                 $8,000,000.00

This will allow UAAD to establish the necessary centers throughout Louisiana to provide the needed assistance of the Katrina hurricane victims.  UAAD will and has joined with a consortium of community and civil rights organizations in order to establish and provide financial assistance and advice that will assist most low-moderate income individuals as mentioned in CRA.  This program will provide means to create economic parity, and opportunities to participate on an equal level heretofore not available to many in economic depressed areas.  This program is designed to bring economic awareness to the African American Community in particular, while improving educational and social values.  With Chase and other banks involvement as requested, UAAD and its coalition partners (to include Chase Bank) intend to assist the hurricane victims, using their plight and circumstances to prove that a combination of private industry and government can make life changing improvements in all of our lives.  See: http://www.uaadcra.blogspot.com

UAAD ask all institutions to contribute and support our efforts.

Respectfully,

Walter L. Ellis CEO UAAD a 501c3 non-profit

 

UEDC, an affiliate of UNITED AFFIRMATIVE ACTION DEVELOPMENT CORP (UAAD) a 501c3 non-profit, propose to create a coalition of small and large banks in the state of Louisiana in order to provide low, moderate-income individuals and small businesses to include African Americans (AA) the necessary funding in order to recover from KATRINA and its aftermath. UAAD will seek a contribution of 3% of each banks CRA commitment to develop the following programs:

Mobile office and trailer units – These vehicles will be used to service the Hurricane Victims and others. Units will be staged at organization sites, churches, colleges and other locations to assist low-moderate income individuals in loan applications, credit repair, business assistance, legal and other mobile assisatance. See: http://www.uaadcorp.com

Promote and coordinate efforts with participating banks to bring financial aid to Hurricane Victims and others. See: http://www.uaadcra.blogspot.com

Cost per Unit(s)                     $250,000.00 (Mobile RV and Trailer)

Operational Cost (6 mos)          75,000.00

Total                                     $325,000.00

Units will promote contributing banks’ logos and contribution. UAAD is in the process of negotiating a low interest Affinity Credit Card that will benefit other participating bank members. See: http://www.chaseuedcaffinity.blogspot.com credit card program. UAAD anticipate that the majority of the banks in Louisiana will join and participate in this Hurricane Recovery program. United Affirmative Action Development Corporation, a 501c3 non-profit, would like to meet with your CRA representative. We would like to have a copy of your CRA files and to discuss the following:

A CRA Proposal from UNITED EQUITY DEVELOPMENT CORP (UEDC) to all banks in the state of Louisiana for Hurricane Katrina Recovery. The suggestions of the Community Re-Investment Act of 1977 (CRA) is that banks commit at least 10percent of their assets toward CRA activities. These set asides can be in the form of low interest loans or contributions. CRA, a part of the civil rights legislation of 1977, was created due to predatory lending, red-lending and discrimination on the part of our nation's banks. See: http://www.uaadcorp.com

http://www.chaseuedcaffinity.blogspot.com http://www.chasebankreparation.blogspot.com 

UAAD/UEDC will organize a coalition of banks, community organizations, in order to benefit the Hurricane victims. Such a coalition will benefit the banks, low, moderate-income to include AA.  http://www.bankwhileblack.com/
Utilization of funds:
Finance down payments to low-moderate-income for home purchase, (based on programs JPMorganChase Bank has established).
Provide low (no interest loans to hurricane victims)
Provide low interest business loans to small businesses. (Lower to Katrina Victims).
Contributions to HBUC’s, to increase CRA activities and scholarship programs.
Establish Micro-business Centers at all HBUC’s and other locations where needed. Centers will be assisted by Community Organizations and small banks. Small banks will also serve and assist on Community Loan Committees.
In addition to low interest loans, assistance from business centers, our members will also benefit from UAAD/UEDC’s low interest AFFINITY CREDIT CARD being negotiated with JPMorganChase Bank.
Although UAAD/UEDC has in excess of 20 years involvement in CRA, we are aware that the success of accomplishing our goals we will need a commitment from our nation’s banks, FDIC, Office of the Comptroller of the Currency (OCC) and as many community organizations that will join with us in order to assist the KATRINA victims and others. Our nation’s banks have in excess of $4.2 trillion dollars in CRA commitments. If the CRA ACT has any significance or purpose, now is the time for it to be implemented. See:
http://www.uedcinc.com/
We propose a 5 year commitment of 10 percent of assets to be administered by UAAD and other established community organizations. We will be negotiating for UAAD and the coalition will require a reasonable percentage in advance to administer these programs.
See:
http://www.uaadcrahbuc.blogspot.com/
We anticipate your in-put and participation.

UEDC will ask small banks to contribute administration assistance in lieu of cash contributions. Such contributions will be in the form of business consultation, serving on community loan committees, teaching CRA and banking in HBUC’s etc. Larger banks will be asked to contribute at least 10 percent of their assets toward these proposed projects for the next 5 years. We believe the FDIC/OCC will consider this proposal to be practical and meet the requirements of the bank(s) obligation to meet prudent banking practices as required under the Community Re-Investment Act of 1977 (CRA).



 

UAAD's Hurricane Recovery Victims Proposal

5/4/2006

A CRA Proposal From UNITED EQUITY DEVELOPMENT CORP (UEDC) To All Banks The State of Louisiana for Hurricane KATRINA Recovery.

UEDC an affiliate of UNITED AFFIRMATIVE ACTION DEVELOPMENT CORP (UAAD) a 501c3 non-profit propose to create a coalition of small and large banks in the state of Louisiana in order to provide low, moderate-income individual and small businesses to include African Americans (AA) the necessary funding in order to recover from KATRINA, and its aftermath.
The suggestions of the COMMUNITY RE-INVESTMENT ACT of 1977 (CRA) is that banks commit at least 10 percent of their assets toward CRA activities. These set asides can be in the form of low interest loans, or contributions.
CRA a part of the civil rights legislation of 1977 was created due to predatory lending, red-lining and discrimination on the part of our nation’s banks.
see: http://www.uaadcorp.com/ / http://www.chaseuedcaffinity.blogspot.com/
http://www.chasebankreparation.blogspot.com/
UAAD/UEDC will organize a coalition of banks, community organizations, in order to benefit the Hurricane victims. Such a coalition will benefit the banks, low, moderate-income to include AA. / http://www.bankwhileblack.com/
Although UAAD/UEDC has in excess of 20 years involvement in CRA, we are aware that the success of accomplishing our goals we will need a commitment from our nation’s banks, FDIC, Office of the Comptroller of the Currency (OCC) and as many community organizations that will join with us in order to assist the KATRINA victims and others. Our nation’s banks have in excess of
$4.2 trillion dollars in CRA commitments. If the CRA ACT has any significance or purpose, now is the time for it to be implemented. See: http://www.uedcinc.com/
UEDC would like for those receiving the above document to review and comment. We are meeting with a local bank’s CRA official here in
Ruston, LA to present this proposal. We propose a 5 year commitment of 10 percent of assets to be administered by UAAD and other established community organizations. We will be negotiating for UAAD and the coalition will require a reasonable percentage in advance to administer these programs.
See: http://www.uaadcrahbuc.blogspot.com/
We anticipate your in-put and participation.
UEDC will ask small banks to contribute administration assistance in lieu of cash contributions. Such contributions will be in the form of business consultation, serving on community loan committees, teaching CRA and banking in HBUC’s etc. Larger banks will be asked to contribute at least 10 percent of their assets toward these proposed projects for the next 5 years. We believe the FDIC/OCC will consider this proposal to be practical and meet the requirements of the bank(s) obligation to meet prudent banking practices as required under the Community Re-Investment Act of 1977 (CRA).
Walter L. Ellis, CEO UAAD/UEDC

4/29/06

HOW JPMORGAN TREAT AFRICAN AMERICANS WHO COMPLAIN ABOUT THEIR DISCRIMINATORY PRACTICES

Under the Community Re-investment Act of 1977 (CRA) regulations, banks are required to provide to individuals or organizations complaints that are filed against the branch or the bank. Since 1995 I have asked and received some information as the CEO United Affirmative Action Development Corp (UAAD) while investigating their activities under CRA. In the past year the bank manager, Ms. Sanders has refused or resisted supplying such reports.
See:
http://www.uaadcorp.com
See the following letter:
Ms. Bridgette Sanders, CRA Mgr December 5, 2005Chase Bank 400 N. Trenton St Ruston, LA 71270
Ms. Sanders,

This is a complaint regarding our conversation 11/25/05 whereby you indicated you would furnish United Affirmative Action Development Corp (UAAD), a 501c3 non-profit community organization, a copy of your branch’s recent CRA activities. You first stated that your CRA representative would provide the documents and later stated that you were the CRA representative and the report could be picked up on Monday (11/28/05). UAAD was given a performance evaluation from the OCC, which shed little light on your branch’s performance here in Ruston, LA. UAAD would appreciate a recent activity report of the Chase Bank branches here in Ruston, in order to compare with the one received prior to Bank One purchasing Premier Bank in 1996. UAAD would like to have this report by 12/6/05.As the closest CRA official of Chase Bank; I would appreciate you meeting with staff of UAAD and explain how your branch carries out its CRA obligations. A meeting sometime this week would be beneficial. Topics to be discussed at such a meeting would include how undergraduate and graduate students at Grambling State University (GSU), a HBUC, can contribute to and benefit from the bank’s CRA commitments. In 1995 when the president of Premier Bank, Mr. Johnnie Maxwell, asked UAAD to assist the Ruston’s Banks in improving its CRA performance in order to amplify the merger with Bank One, an inspection of Premiere’s CRA involvement in the community showed that it excluded African Americans. UAAD would ask that you provide an updated activity report of the Ruston Branch’s in order that we may discuss a satisfaction or how to improve the bank’s performance in the low, moderate income, to include the African American community. Thanks for your cooperation. See our website www.uaadcorp.com to better understand our purpose and goals. Walter L. Ellis CEO UAAD

On April 4, 2006 a meeting was held at Chase Bank, Main branch in Ruston to attempt to resolve complaints made by UAAD against Chase. This meeting was arranged by Mr. David Lewis, Community Affairs Official of the Federal Office of the Comptroller of the Currency (OCC) and three (3) Chase Bank officials at this branch.

On April 28, 2006, I received a certified letter stating:

H. Russell Wood III
City President
Northeast Louisiana District

April 27,
2006
Mr. Walter L. Ellis 315 Neal Street
Ruston, LA 71270

Re: Accounts 675247266 and 1592005308
Dear Mr. Ellis:
After your meeting with officers of our bank on April 4 where again your issues were addressed, you caused a disruption in our branch. When you opened your account, you agreed to the terms and conditions of the Deposit Account Agreement. This agreement says that the bank may close your account at any time with or without cause. We have decided it would be best to exercise that option.
This is what we're going to do:
1. We are closing your accounts 10 business days from the date of this letter (the Closing Date).
2. Your ATM card will no longer allow you to make withdrawals, effective on the Closing Date.
3. Any checks/savings withdrawals received on or after the Closing Date will be marked "Account Closed' and returned.

4. Any fees, claims, or other amounts owed will be deducted from your accounts.

5. Any balance remaining in the accounts will be sent to you within five business days after the Closing Date.
Here's what you need to do:
You should stop writing checks/savings withdrawals on this account right away.
1. If your account is overdrawn, please make a deposit of cash or certified funds immediately.
2. You should stop using any debit cards or ATM cards associated with this account and destroy them immediately.
3. You should make arrangements to redirect all direct deposits and automatic drafts as soon as possible.
We do not make decisions to close customer accounts lightly. However, your repeated disruptive behavior in our branches has upset our employees and interfered with serving our other customers.
We request that you refrain from entering our branches in the future and that you stop e-mailing our employees. Your e-mails contain offensive language that our employees should not have to endure.
Chase has made every effort to respond to your requests for information by providing you with our CRA Public Evaluation, HMDA and CRA disclosure reports, comments in our public file and applications for small business loans and grants. We have met with you a number of times to discuss your concerns, most recently on April 4, and nothing fruitful has come out of these meetings. We do not see any benefit in prolonging this discourse.
Sincerely,
H. Russell Wood, III
President
Chase
Northeast Louisiana District

 

I contacted:

Mr. Ruben Ramos, Regional Director of Community Affairs, JPMorganChase Bank and spoke with Terry;

Ms Dietrick's office and spoke with Maria;

Both offices stated that they could not be of assistance.

Closing my personal and business accounts creates a financial burden on me, family and organizations I represent. It is my belief that this is another fraudulent manner in which JPMorganChase Bank operates in regards to African Americans.

See:

http://www.chasebankreparation.blogspot.com

http://www.uaadcorp.com

http://www.bankwhileblack.blogspot.com

http://www.uaadcra.blogspot.com

See recent fraudulent lawsuits against Chase and additional memorandums upon request.

cc: David Lewis, OCC - complaint #617354

Anne Deitrick, Chase Bank

Ruben Ramos, Chase Bank

Dept of Justice

Black Caucus

UAAD Board

News Media

Sen. David Vitter

President Bush

 

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