Paco Jémez: “We have to rotate”

first_imgLaBiga SmartBank Lightning climbing has just begun. Paco Jémez lives a positive moment after running the risk of losing his position on the bench. In just over a month everything has changed and now the Franjirrojos already add a seven-game streak without losing between Copa and Liga. The last good news has been the signing of Jorge De Frutos, what he arrives from Real Madrid Castilla after breaking his assignment with Real Valladolid. On the morning of this Friday, the end already he trained with the team to be present on Saturday before the Ponferradina. The Canarian coach expects other reinforcements from this winter market: for now, there is talk of another player of the Pucela, Alvaro Aguado.The presence of Fruit“We are going to take it to see the group dynamics and to see how we work. Then, if the file can be processed, it will give us a few minutes. It arrives in good physical condition. ”The match against Ponferradina “It’s a complicated and difficult game. They have the same points as us, although with one game less. But we are in a dynamic where we have to keep winning wherever we go. We are doing things very well and with that I think we can compete with anyone. ”The physical state of the equipment“The team has recovered well. I have no doubt that the team will be fresh tomorrow. The physical work has been very small, we have used these days to recover ”.The lineup for Saturday’s game“We try to combine the players knowing that we have several matches. We have to make rotations. Maybe from one game to another, we see changes. There may be a change tomorrow. We have too many games trying to combine. ”Ulloa’s condition“He is ready to play, but I prefer to leave until Monday and from there he will start training with the group. I want him to recover well. ”The presence of the canteranos“Not Saturday but for Thursday (against Betis in the Cup) possibly someone has his debut. For this match neither Fabian nor Dani are summoned because we understand that rival needs something else. I would like someone to debut because they are working well. ”center_img * Data updated as of January 17, 2020last_img read more


CFPB Tackling PACE Financing Rules

first_img March 4, 2019 1,081 Views CFPB: Tackling PACE Financing Rules ATR CFPB Default Delinquencies EGRRCPA PACE financing Rules TILA 2019-03-04 Radhika Ojha On Monday, the Consumer Financial Protection Bureau (CFPB) issued an Advance Notice of Proposed Rulemaking (ANPR) on residential Property Assessed Clean Energy (PACE) Financing. The rule will address the direction given to the bureau on PACE financing under the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) that was signed into law in May 2018, CFPB said in a statement.“Today’s action is the next step in the Bureau’s efforts to implement the Economic Growth, Regulatory Relief and Consumer Protection Act as expeditiously as possible,” said Kathleen L. Kraninger, Director, CFPB. “I look forward to reviewing the comments in response to the questions we are asking to facilitate the required rulemaking.”Through the ANPR, the consumer watchdog is seeking information on written materials associated with PACE financing transactions, current standards and practices in PACE financing originations, civil liability under Truth in Lending Act (TILA) for violations of the Ability to Repay (ATR) requirements related to PACE financing as well as rescission and borrower delinquency and default, unique features of PACE, and potential implications of regulating PACE financing under TILA.According to the ANPR, PACE financing has been defined in the EGRRCPA as “financing to cover the costs of home improvements that result in a tax assessment on the real property of the consumer.” The law also directs CFPB to prescribe regulations that achieve two purposes on PACE financing, the CFPB said.The first objective is to carry out the purpose of TILA’s existing ATR requirements even for PACE financing. The existing ATR requirements prohibit creditors from making a residential mortgage loan unless they make a “reasonable and good faith determination” based on verified and documented information on the consumer’s ability to repay that mortgage. The ATR requirement is “to assure that consumers are offered and receive residential mortgage loans on terms that reasonably reflect their ability to repay the loans and that are understandable and not unfair, deceptive, or abusive.”The second objective, according to the CFPB relates to the regulations implementing EGRRCPA’s section 307 must apply TILA’s general civil liability provision for violations of the ATR rules that will apply to PACE financing. “That provision sets forth damages for TILA violations generally, as well as specific penalties for violations of the current ATR requirements.”center_img Share in Daily Dose, Featured, Government, Newslast_img read more