Archive for the ‘banking’ Category

“Fight Against Stupidity And Bureaucracy”

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We had it with the real estate market. Billions of dollars being lent to people who obviously couldn’t afford it.

We saw the trouble, hardship, misery and financial woes that were caused as credit dried up, real estate prices began to tumble, and bankruptcies and foreclosures increased.

And we know the damage it did to the economy when irresponsible banks and other lenders went bust and almost brought down the entire financial system. 

Smart people would learn from such a situation.

Smart people would never contemplate doing such a thing again.

But despite what they would like to have you believe, bankers are not smart people. They’re dumb and they are greedy, a deadly combination.

bad credit 100 percent financing

As a result of the financial crisis millions of Americans (and people in other countries too) have been left with poor credit scores. Yet remarkably they are now able to easily obtain auto loans from used-car dealers, including some who fabricate or ignore borrowers’ abilities to repay. Even if you are bankrupt or living only on social security, banks like Wells Fargo will lend you thousands of dollars to buy a used car.

It’s called the new sub-prime boom, because the lack of caution resembles the frenzied sub-prime mortgage market before its collapse. And it is already bringing misery to many people who have been suckered into taking out loans that they clearly could not afford.

Worse than that, these sub-prime auto loans often come with terms that take advantage of the most desperate, least financially sophisticated customers, with interest rates that can exceed 20 percent. And many of the loans can be at least twice the value of the second hand cars they are being used to purchase!

wall street car crash

This creates a vicious circle for some borrowers, who still owe money on a car that they are trading in when they purchase another one, meaning that the former debt is rolled over into the new loan and they end up, not just paying too much for their current car, but also continue to pay off the loan on their previous car that they don’t even have!

This is the way loan sharks operate. Eventually you end up borrowing your own money and paying them interest for the privilege!

This surge in sub-prime auto lending is being driven by some of the same dynamics that were at work in sub-prime mortgages. There is a veritable deluge of money pouring into sub-prime autos, as the high rates and steady profits of the loans attract investors.

And just as Wall Street stoked the boom in mortgages, some of the nation’s biggest banks and private equity firms are now feeding the growth in sub-prime auto loans by investing in lenders and making money available for loans.

To quote some of the figures, auto loans to people with bad credit have risen more than 130 percent in the five years since the immediate aftermath of the financial crisis, with roughly one in four new auto loans last year going to borrowers considered sub-prime, that is, people with credit scores at or below 640. Wells Fargo, mentioned earlier, made $7.8 billion in auto loans in the second quarter of this year, up 9 percent from a year earlier, and has at least $50 billion in auto loans on its books.

greedy bankers

Even worse, as was the case with sub-prime mortgages before the financial crisis, many sub-prime auto loans are being bundled up into complex bonds and sold as securities by banks to insurance companies, mutual funds and public pension funds. They are all scrambling for these, which in turn creates ever-greater demand for loans, and leads to the banks issuing more and more sub-prime credit.

Unbelievably it’s the same crooks doing exactly the same thing, including using incorrect information about borrowers’ income and employment, so that people who had lost their jobs, or were bankrupt, or living on Social Security, could qualify for loans that they could never afford.

carbuying credit report

Admittedly, the size of the sub-prime auto loan market is only a tiny fraction of the sub-prime mortgage market at its peak, and its implosion would not have the same far-reaching consequences.

For the banks the investors silly enough to buy their bonds, that is.

But the misery is just as great for the people who are suckered into accepting credit they cannot afford.

Illegal it may not be, but immoral it certainly is.

Political leaders who sit astride high horses and purport to be working on behalf of the ordinary people should be doing something about it.

But, as I’ve said before, don’t hold your breath!

obama used car salesman

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“Fight Against Stupidity And Bureaucracy”

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It’s Sunday so time for another Sunday Sermon.

There’s a famous quote from US President Abraham Lincoln that goes something like, “you can fool some of the people all of the time, and all of the people some of the time, but not all of the people all of the time”.

On the face of it Lincoln’s words seem rather clever and profound – and true. And so they are.

Up to a point.

But what Lincoln didn’t say (and he was a politician after all) is that you don’t have to fool ALL of the people ALL of the time.

What you have to do is fool them long enough to do what you need to do – for example, in the case of a politician, to get yourself elected.  

 

graph Miss Universe

Which brings me to statistics.

Because the best people in the world at playing with statistics are politicians and governments.

Some people believe everything they are told. Others call the figures governments produce ‘disingenuous’ which is being very kind. And some don’t believe a word or a number that they produce. (Take a wild guess at which camp I am in.)

Government statistical results are in effect lies. You can’t call them that – although I just did – because they can find figures to back up what they say, it’s just that they choose the figures that tell the story they want to promote and ignore all the rest that tell a different story.

For example, to get on to one of my favorite rant subjects, there is a thing which I am sure most of you have never heard of called the ‘Special Inspector General for the Troubled Asset Relief Program’ or ‘SIGTARP’ for short.

When the government is challenged about what is has been doing to bring to justice the banksters, who stole and recklessly gambled away our money, they can quote you a statistic or two saying that over the last few years, SIGTARP has put over 100 senior bank executives in jail, each of whom was convicted of stealing from taxpayers.

Although that fact is ‘technically’ or ‘statistically’ true, what they don’t tell you is that the people they have gone after and convicted are all small time crooks, guilty of small time frauds that are seldom above $1m or $1.5 million in value.

All the super crooks who embezzled hundreds of $ billions and almost brought down the entire financial system aren’t even being seriously pursued. More than six years into the SIGTARP investigations there are literally still hundreds of billions of outstanding ‘loans’, from banks including Citi, JP Morgan, Wells Fargo, and Bank of America.

They can quote figures all day long to try to mislead the people and make themselves look good, but a few small time crooks thrown in jail for stealing a million or two dollars here and there isn’t ever going to make much of a dent in the $ billions that were stolen. The politicians know that as well as anyone.

Perhaps Mark Twain’s “There are three kinds of lies: lies, damned lies, and statistics,” might have been a better quote!

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“Fight Against Stupidity And Bureaucracy”

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The Sunday Sermon

Bankster pyramid of greed and corruption

They say rats squeal when they are being hunted and nearing capture and they’re right.

None more so at present than the rat banksters and nowhere more so than on Wall Street. If you listen carefully you can hear them squeal even above the noise of the New York traffic.

And the reason for the squealing?

Only that federal authorities are at long last closing in on some of the worst culprits whose greed and contempt for their clients caused the financial crisis we have all be suffering from during the past decade and more.

But before you start clapping the feds on the back, let me say it is too little and too late. None of the banksters are likely to face jail sentences which is what they deserve for their crimes against the people.

Foreclosure-Homes

However, it is something and these days that’s about the best you can hope for.

In terms of the numbers, the banksters are facing fines of something in the region of $63 billion.

Wow, listen to them squeal!

It seems like a lot of money – and it is a lot of money, it could keep all of us blogging away happily for the rest of our lives and then some. But put in the context of what the banksters defrauded their clients out of and what they lost it is just a pittance.

Putting the figures into context, J P Morgan Chase’s $13 billion mortgage settlement in November was probably some kind of record, but they issued more than $460 billion in mortgage securities.

To illustrate it in numbers people can relate to better, that’s like a thief stealing a thousand dollars from you and getting away with it if he paid you back $28.

I bet the amount of the settlement doesn’t seem so big now. Nor is it commensurate with the size of the crime. But that’s what they’ll probably get away with. And they’re not even grateful for this small smack on the wrist, hence all the squealing.

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“Fight Against Stupidity And Bureaucracy”

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Time for another Sunday Sermon, otherwise known as a rant!

 Foreclosure Notice Yellow Photo

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First it was Cyprus where the bankrupt government tried to steal money right out of people’s bank accounts. If you want to read that again click here and here.)

Then it was the turn of the greedy bureaucrats in Australia who decided to tax pensions TWICE, once when you put the money in and again when you tried to take it out! (For the original post click here.) 

Now in bankrupt Spain the politicians are at it, however, this time they aren’t proposing to steal some of the money in your bank account  –  oh no, this time they want to steal your entire home!

Yes, you read it right, the Spanish government has announced this past week that they want to seize homes that have been foreclosed on by banks and developers.

Not that I have any sympathy with the banksters, not by a long chalk! But theft is theft, and theft by governments is perhaps the most evil of all simply because the victims have little or no remedies available – other than pack up and go somewhere else.

se vende

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As usual the politicians and bureaucrats are trying to dress this theft up as something helpful. They say they will rent the confiscated foreclosed homes to Spanish families who will be allowed to live there rent-free for up to three years.

Sounds great, but as usual what these political morons have failed to do is think their policy through.

If they go ahead with this plan to steal homes the consequences will not be what they think.

First of all it will destroy what is left of the mortgage market in Spain because no one will want to make home loans on Spanish real estate if there is no viable foreclosure mechanism should things go wrong for the mortgagee.

Second, it will go a long way to killing off the buy-to-let sector, which is the thing that has been keeping the real estate market afloat in these financially strained times. Home sales, not just in Spain, but in many countries have been boosted considerably by cash rich investors picking up what they consider to be ‘bargain’ properties at a level that yields a decent return on their capital. Where will they get that return if the government kills the rental sector by renting out homes for free?

And third, it will also kill off the recent Spanish drive to attract foreign investors by offering residency to anyone who spends around $200,000 buying up the glut of Spanish property currently on its real estate market.   

If these things were happening in Zimbabwe or even Venezuela everyone would be calling it a disgrace. But it is happening in Europe and Australia and America. And it will get worse the more desperate the politicians and the bureaucrats become as they make the mess they created worse, not better.

Who on earth put idiots like these in charge?

It wasn’t you was it?

pointing_finger_clip_art_23483

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“Fight Against Stupidity And Bureaucracy”

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origin of banksters

Time for another rant about the slime of creation, also known as the banksters.

This blog is about highlighting and fighting against stupidity and bureaucracy and there is no better example of this than the banking industry.

Their stupidity is only matched by their arrogance and their greed.

More than five years on from plunging the world into a financial catastrophe, and all of us into debt that will take generations to sort out, they are still at it!

And the governments are still faffing about, afraid to take on those who bribe them with “contributions” to their election campaigns.

banksters table

For example, the European parliament only reached a “tentative deal” last Wednesday evening to limit bankers’ bonuses at twice the value of their fixed pay. They call it “imposing the toughest limits on pay since the financial crisis”. Gimme strength!!! Of course, the deal, still has to be endorsed formally by governments and lawmakers (i.e., the bureaucrats), and is the result of 18 months of farting around (they call it negotiating).

It’s a start, but a poor and a slow one.

It shows how long it takes for a no-brainer to happen in heads that have no brains!

In timely manner, latest results last week came from Europe, namely the grandly named basket-case Royal Bank of Scotland Group, Lloyds Group, and Spain’s lesser sounding Bankia.

Already more than 80% owned by the British Government (i.e., taxpayers) who stupidly bailed out these idiots to the tune of almost $70 billion, RBoS have announced further losses of around $9 billion!

To make matters worse, $1.6 billion of that was to compensate clients wrongly sold insurance and interest-rate hedging products – which is a nice way of saying they have been caught fleecing their customers and now have to pay back money they cheated their clients out of in the first place.

They called it a “chastening year”.  

Meatime Lloyds chalked up further losses to the tune of more than $2 billion!

And the banksters aren’t any smarter in Spain either. Bankia also this week reported a net loss of €19.06 billion ($25.04 billion) for 2012, by far the largest in Spanish corporate history.

And you know what? Let’s add insult to injury.

These dumb-asses are looking for bonuses for their efforts.

Can you believe it?

banksters bonuses

If someone starts a business and it fails, no one gives them a bonus – they lose their business (usually because the banksters force them to close down).

Just how on earth have we allowed the banking industry to create a culture of stupidity to take hold and remain in place after such clear evidence that it is not working. It is completely absurd.

Hit your sales targets, make money for the company and yes sir you can have a bonus and well deserved. Cost the company $ billions and drive it to bankruptcy because of your incompetence and the only bonus you should get is early parole for good behavior.

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That’s Europe taken care of, can’t go without a word about the American banksters too.

Latest news is that they “have discovered” that they wrongfully foreclosed on more than 700 members of the military during the housing crisis and seized homes from about two dozen other borrowers who were current on their mortgage payments,

The banks, namely Bank of America, Citigroup, JPMorgan Chase and Wells Fargo, only found the foreclosures after regulators ordered them to examine mortgages as part of a multibillion-dollar federal settlement. Each bank “discovered” around 200 members of the military whose homes were wrongly foreclosed in 2009 and 2010.

So while military personnel are putting themselves in harm’s way to protect and defend the country, the slime in the banks are busy trying to illegally foreclose on their homes.

Incredible!

Not only do these foreclosures violate the Servicemembers Civil Relief Act, a federal law requiring banks to obtain court orders before foreclosing on active-duty members, but they violate every common law of decency.

The sooner governments come to their senses and put these banksters out of business the better and cleaner the country will be.

banksters wrecked the economy

***end rant***

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“Fight Against Stupidity And Bureaucracy”

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****A Saturday rant****

One day this week, according to all reliable financial sources, the United States of America’s debt burden reaches the $16 trillion mark, or as close to it as makes no difference.

That’s $16,000,000,000,000.00

The richest nation the world has ever known has now become the greatest debtor the world has ever known.

And the problem which began to get seriously out of control under the Bush Presidency is still spiraling out of control under Obama’s regime.

go bananas

go bananas

To add a little perspective to the huge numbers, it took the United States government more than two hundred years to accumulate its first trillion dollars of debt, BUT it took only two hundred and eighty-six days for the most recent trillion dollars of debt to be added. And that was under the  “Yes We Can” and “Change” administration.

So what has changed?

Nothing much.

Yes we can what?

  • Borrow and borrow and borrow again?
  • Let the horrific bankster’s mess run on for a few more decades?
  • Dream up more and more new government programs that we cannot afford?
  • Leave future generations in so much debt that they will never and can never get out from under it, (because there won’t be enough money to pay the interest on the debt let alone repay it)?
  • Continue to stick our heads in the sand while other nations kick our ass?

As I write this I can hear the Fed’s printing presses clunking away producing more new dollars out of thin air, which they will distribute through the banks  -  who will keep most of the money instead of releasing it to individuals and businesses to stimulate the economy and create employment.

Sadly, not only is the nation bankrupt, but the politicians who govern it are too  –  bankrupt of good ideas, intelligence and common sense. Their mentality is, ‘if something isn’t working, don’t change it, just do more of it’.  (Aaaarrrrrrggggghhhhhhh!!!)

Their ultimate solution will be, as it inevitably always is – more taxes and more control! Just wait for those shoes to drop.

In the US, Hawaii and Florida are the only states that grow bananas. I suggest that they start looking for ways to up production because that is the type of republic the politicians seem hell bent turning us into!

****End rant****

naked banana

naked banana

 

“Fight Against Stupidity And Bureaucracy”

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It isn’t often that there is the opportunity to report a victory of the common man over the banksters. But a few years ago one did happen when a 71-year-old British farmer, from Northumberland, won a £300,000 settlement from his bank after what he described as years of frustration and pain.

Although the bank settled, shortly before the case went to the British High Court, the farmer, Mr David Cannon, said he still felt as though he had not got justice. “They could give me every penny on the planet, but it still couldn’t put it right. It’s taken 10 years away from me. To them it’s monopoly money, but to me it’s all I’ll get.”

His problem was with the National Westminster Bank plc, and began in May 1990. It centered on £70,000 which Mr Cannon claimed went missing somewhere between his own account, his son’s personal and business accounts and an account belonging to his son’s business partner.

He is convinced the money had disappeared gradually during “dozens and dozens” of transfers between the accounts. Naturally the NatWest Bank always strongly denied that the money went astray.

The legal proceedings started way back in 1991, and the Cannons were forced to sell their 300-strong herd of prize-winning Ayrshire cows to fund their case. Mr Cannon said: “It was heart-breaking having to sell the herd, and soon I, and especially my wife, had problems with our health.”

After four-and-a-half years of deadlock with the legal proceedings Mr Cannon decided enough was enough. He borrowed a muck-spreader and chugged into Newcastle-upon-Tyne on his tractor.

In a little over two minutes, he blasted four tons of slurry over NatWest’s Mosley Street branch.

Phew!!!

Stonemasons spent two weeks clearing up and Mr Cannon was fined £2,000. But undeterred, a year later, he subjected the bank’s Ponteland branch to the same exterior decoration.

He really was giving them shit!

Still the dispute dragged on, until December 1998, by which time Mr Cannon had lost patience once again. This time he blocked the door of the Grey Street branch of the bank with his tractor.

Ten months later he returned to the Ponteland branch, baffling staff by measuring the entrance. The next day he forced the doors open with his tractor and barricaded himself inside, nailing fence rails across the doorway. This bank job cost him another £600.

His final fling occurred the following June 12, when he dumped a five-ton load of shit on the doorstep of the Ponteland branch and returned to his farm – pursued by police. Amazingly, he managed to reload and chugged back to the bank, where he made a second five-ton deposit. A low-speed chase ensued, the police puncturing the 10mph tractor’s tyres with a ‘stinger’.

Mr Cannon was charged with criminal damage, dangerous driving, driving without an excise licence and failing to stop for a police officer. He was given a 60-day suspended sentence and ordered to pay £845.60 compensation plus £250 costs.

Mr Cannon, a former bare-knuckle boxer, said: “But fortunately it was in my nature to fight them. Breeding cattle was my life.”

The bank, NatWest issued a token 63-word statement which denied any admission of liability. They refused to add to it when questioned by reporters.

Simon Pitkeathley of the British Bankers’ Association, says angry customers would do better to follow the conventional complaints procedure or move your account elsewhere, said: “Mr Cannon’s behaviour obviously can’t be condoned.”

But I liked it. Good one Mr C.

The big question is, by awarding £300,000 to a man who has taken direct action, has the bank set a dangerous precedent for those distressed customers contemplating direct action? Wouldn’t it be great if they were in for loads more shi……I mean, bother?

 

Farmer David Cannon giving his bank some shit

Farmer David Cannon giving his bank some shit

“Fight Against Stupidity And Bureaucracy”

 

“Treason doth never prosper: what’s the reason?

Why if it prosper, none dare call it treason.” 

Ovid / Sir John Harrington

 

When I first though about this subject for a post on my blog, I had America mainly in my mind, I suppose because that is where the rot started to show. But when I though about it a little more I quickly realized that the same charge could equally be brought against the banksters in the United Kingdom, Ireland, Spain, France and in fact the entire European Union.

They took money that was not theirs, that was placed in trust with them for safe and responsible stewardship, and they gambled it and lost it. 

Then they used their influence on stupid politicians to steal the honest taxpayer’s money to fill up their coffers again. They were apparently too big to fail – what an utter load of nonsense!

They promised when they were stealing OUR money that they would use it to make loans to businesses and thereby stimulate and reactivate the economy that they themselves had brought to a standstill when they lost OUR original cash in stupid and foolhardy deals that no one with any brains or any sense of responsibility to their clients would have dared to go near.

They lied.

 

The banksters lied to us

The banksters lied to us

 

They took OUR money for the second time and kept it for themselves. A lot of it went on bonuses, sometimes in the tens of millions of dollars. A reward to themselves for staggering incompetence.

In any other industry, if you were so bad at your job as to bankrupt your company, you would not only be fired but stand a good chance of being charged with fraud or negligence or something. But if you are a bankster and have successfully sold the lie that you are “too big to fail”, then you get away with it. It doesn’t hurt if you have a few politicians in your pocket either! 

And, apart from paying yourself huge bonuses for losing OUR money the first time, what do you do with the proceeds of stealing OUR money the second time? Well, of course, first you give yourself another big pay rise, and then you gamble again and lose even more of OUR money.

Remember the J P Morgan $2billion loss – er, make that a $9billion loss would you. Just as Hillary Clinton “mis-spoke” when she lied to the public, J P Morgan “mis-counted” the first time they declared the extent of their incompetence! We probably have not heard the truth yet.

Banksters - the best we have???

Banksters – the best we have???

And President Obama has the gall to tell the world that these morons and liars are “the best we have”! Seriously? Do you really expect the people to believe that? I don’t think so. I certainly hope not.

But the J P Morgan $2billion loss turning out to be a $9billion loss is just the tip of a colossal  iceberg. This one is a hell of a lot bigger than the one that sank the Titanic  -  it’s threatening to sink entire countries.

 

Banksters Motto: Greed Before Country

Banksters Motto: Greed Before Country

The public and even the various governments have not been made aware of the full extent of the catastrophic losses these idiots (remember the best we have) have made. All the big banks, whether in the US, or Britain, or Spain or France or wherever are furiously cooking their books and have been for the last five years. Their companies are insolvent, they are bankrupt, but they are hiding the truth from everyone.  

This is fraud.

In fact, because of the power that they have, and the impact their stupidity inevitably has on the entire national economy, what they have done and are continuing to do is commit treason.

In a country run by Joe Stalin or Saddam Hussein (perhaps proving that not everyone is all bad all of the time) these treacherous banksters would have been put up against a wall and shot. That may be a bit extreme for us, but at the very least they should lose their jobs, have their stashes of personal wealth confiscated, and be thrown into jail. If it was good enough for a thief like ponzi king, Madoff, it should be good enough for thieves like them.

End rant, cue a few videos on the subject.

Enjoy!

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A view from Britain

 

A view from Ireland

 

 The best government money can buy

 

Understanding The Financial Crisis–For Kids and Grownups

 

 

*** rant warning *** so brace yourselves.

The subtitle of this blog is “Fight Against Stupidity And Bureaucracy”.

Now it’s all well and good saying that, I repeat it at the beginning of almost all of my posts. But what gets lost at times is just how important a phrase this has become.

We are now in the process in countries like the United States and UK of letting once great nations to be destroyed for no other reason than we have allowed the morons in our society to take over. The people who should be told what to do are now in positions where they are dictating to us.

Their solution to everything is to spend more than they have – arithmetic is not their strong suit – on things we don’t need. Then when they find themselves in catastrophic debt they set about fleecing the small businessman and hard-working individual for more money.

They create completely unnecessary and deliberately complex tax rules and regulations, the number of pages in the US tax code, for example, has increased by over 16,775 percent during the past 100 years! This in turn leads to Americans wasting an incredible 7.6 billion hours each year doing their taxes and having to hire over one million accountants to help them – all at a cost of almost $30 billion (that’s Billion with a ‘B’).

The big banks, run by greedy and extraordinarily stupid people (the best we have Obama says!) who have lost hundreds of billion of dollars and plunged the whole country into financial turmoil, are too big to fail. But ordinary individuals and small business owners are allowed to go bust every month and those that survive are harassed and investigated for the least mistake so that maybe another $1000 can be wrung out of them. On the other hand, multinational corporations get away with almost everything for no other reason than they have the money to employ the best accountants and lawyers who are more than a match for their IRS counterparts.

In 2008 for example, GE made $10.3 billion in pre-tax income, but didn’t have to pay a single cent in taxes. In 2009 Bank of America paid no taxes, even though it made $4.4 billion income. Also in 2009 Molson Coors not only paid no taxes, but was actually paid $14.7 million by the government. There are lots of other examples.

The loopholes and mechanisms these large corporations used are not important here, what we need to focus on is that there is something inherently wrong with the system that allows such inequalities. The solution is easy; simplify the system, level the playing field; give the little guy the same chance as the large corporation. It won’t happen, of course.

But that’s only half the problem. The other half is what the stupid bureaucrats do with the money.

The State of California is a good example. As well as all the federal taxes, California extracts a host of state taxes, including significant property taxes, from its citizens. And, despite the best efforts of the Terminator, California is still bust!

Why? Because most of the money it collects, and a lot more that it doesn’t have, is used to prop up the system of little empires the self-important idiocrats have created and are still creating regardless of the obvious financial woes.

The scale of the problem is horrendous, far worse than most people imagine. I don’t expect anyone to read the list below, but even scrolling through it should at the very least make you shake your head in amazement.

And this is just California!

*** End rant! ***

Feast your eyes on the work of the idiocracy….

State of California Bureaucracy:

California Academic Performance Index (API)

California Access for Infants and Mothers

California Acupuncture Board

California Administrative Office of the Courts

California Adoptions Branch

California African American Museum

California Agricultural Export Program

California Agricultural Labor Relations Board

California Agricultural Statistics Service

California Air Resources Board (CARB)

California Allocation Board

California Alternative Energy and Advanced Transportation Financing Authority

California Animal Health and Food Safety Services

California Anti-Terrorism Information Center

California Apprenticeship Council

California Arbitration Certification Program

California Architects Board

California Area VI Developmental Disabilities Board

California Arts Council

California Asian Pacific Islander Legislative Caucus

California Assembly Democratic Caucus

California Assembly Republican Caucus

California Athletic Commission

California Attorney General

California Bay Conservation and Development Commission

California Bay-Delta Authority

California Bay-Delta Office

California Biodiversity Council

California Board for Geologists and Geophysicists

California Board for Professional Engineers and Land Surveyors

California Board of Accountancy

California Board of Barbering and Cosmetology

California Board of Behavioral Sciences

California Board of Chiropractic Examiners

California Board of Equalization (BOE)

California Board of Forestry and Fire Protection

California Board of Guide Dogs for the Blind

California Board of Occupational Therapy

California Board of Optometry

California Board of Pharmacy

California Board of Podiatric Medicine

California Board of Prison Terms

California Board of Psychology

California Board of Registered Nursing

California Board of Trustees

California Board of Vocational Nursing and Psychiatric Technicians

California Braille and Talking Book Library

California Building Standards Commission

California Bureau for Private Postsecondary and Vocational Education

California Bureau of Automotive Repair

California Bureau of Electronic and Appliance Repair

California Bureau of Home Furnishings and Thermal Insulation

California Bureau of Naturopathic Medicine

California Bureau of Security and Investigative Services

California Bureau of State Audits

California Business Agency

California Business Investment Services (CalBIS)

California Business Permit Information (CalGOLD)

California Business Portal

California Business, Transportation and Housing Agency

California Cal Grants

California CalJOBS

California Cal-Learn Program

California CalVet Home Loan Program

California Career Resource Network

California Cemetery and Funeral Bureau

California Center for Analytical Chemistry

California Center for Distributed Learning

California Center for Teaching Careers (Teach California)

California Chancellors Office

California Charter Schools

California Children and Families Commission

California Children and Family Services Division

California Citizens Compensation Commission

California Civil Rights Bureau

California Coastal Commission

California Coastal Conservancy

California Code of Regulations

California Collaborative Projects with UC Davis

California Commission for Jobs and Economic Growth

California Commission on Aging

California Commission on Health and Safety and Workers Compensation

California Commission on Judicial Performance

California Commission on State Mandates

California Commission on Status of Women

California Commission on Teacher Credentialing

California Commission on the Status of Women

California Committee on Dental Auxiliaries

California Community Colleges Chancellors Office, Junior Colleges

California Community Colleges Chancellors Office

California Complaint Mediation Program

California Conservation Corps

California Constitution Revision Commission

California Consumer Hotline

California Consumer Information Center

California Consumer Information

California Consumer Services Division

California Consumers and Families Agency

California Contractors State License Board

California Corrections Standards Authority

California Council for the Humanities

California Council on Criminal Justice

California Council on Developmental Disabilities

California Court Reporters Board

California Courts of Appeal

California Crime and Violence Prevention Center

California Criminal Justice Statistics Center

California Criminalist Institute Forensic Library

California CSGnet Network Management

California Cultural and Historical Endowment

California Cultural Resources Division

California Curriculum and Instructional Leadership Branch

California Data Exchange Center

California Data Management Division

California Debt and Investment Advisory Commission

California Delta Protection Commission

California Democratic Caucus

California Demographic Research Unit

California Dental Auxiliaries

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