advocates against adversities LLC

3 emily st
monticello, new york 12701

NYS Entity Status
ACTIVE

NYS Filing Date
AUGUST 05, 2013

NYS DOS ID#
4440735

County
SULLIVAN

Jurisdiction
NEW YORK

Registered Agent
NONE

NYS Entity Type
DOMESTIC LIMITED LIABILITY COMPANY

Name History
2013 - ADVOCATES AGAINST ADVERSITIES LLC









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  • AROUND THE WEB

  • Big Data tells mortgage traders an amazing amount about you
    By Matt Scully - Friday Jun 30, 2017

    The New York startup sucks in data from marketing firms, public loan filings, courthouses and dozens of other sources, and sells it to mortgage bond and loan traders.The vivid detail the company turns up — the types of stores borrowers tend to shop at and whether they rent out their homes on Airbnb, for example — may unsettle privacy advocates, but it’s a boon for investors trying to figure out how likely homeowners are to pay their obligations.Across the world of finance, startups are using big data to try to improve Wall Street’s success with everything from consumer lending to stock trading.The average fund manager can gain 0.4 to 0.7 percentage point of return by using more intelligent data when trading mortgages, at least for home loans that haven’t been bundled into securities, according to John Ardy, CEO of Resitrader, an institutional marketplace for home loans.“We’re concerned about how this information is shared, and how it can have adverse consequences for individuals without their even realizing it,” said Lee Tien, a senior staff attorney at the Electronic Frontier Foundation, a nonprofit focusing on civil liberties.[...] money managers using information they get from TheNumber could face accusations of discriminating against borrowers based on race or religion if it turns out the factors the company looks at tend to single out particular types of people, said Frank Pasquale, a professor at the University of Maryland’s Francis King Carey School of Law.Fund managers that use TheNumber are typically buying subprime mortgages, many of which have defaulted.TheNumber tries to determine how much pride a homeowner probably has in his or her property, based on information it gleans from third parties, such as whether the resident tends to click on online ads from home improvement and gardening stores.Experian, for example, tries to make sure investors can’t readily determine borrowers’ identities when it hands out mortgage data, said Michele Raneri, a vice president of analytics and new business development at Experian.Added information about borrowers could boost transparency in the mortgage bond market, where getting information about creditworthiness and prices can be much harder than in other debt markets.“Investors in every other market get to see what they are buying — but not mortgage bond investors,” said Adam Murphy, founder of Empirasign Strategies LLC, a trading data firm for mortgage bond professionals.

    Source: SFGATE.com: Business and Technology News
  • AGA Doesn't Advocate For Sports Sites
    Saturday Jul 1, 2017

    In the TV Watch commentary, "Sports Fantasy Sites Push Lawmakers To Restore Legal Status" (June 30), the American Gaming Association says it is not advocating for or against specific daily fantasysports sites. It is focused on overturning the federal ban on sports betting.

    Source: Media Post: TV Watch
  • Four Credit Repair Agencies Accused Of Misleading Customers, Charging Illegal Fees
    By Ashlee Kieler - Tuesday Jun 27, 2017

    Four different “credit repair” operations have been ordered to pay a total of more than $2 million in penalties for allegedly tricking people into thinking their bad credit could be easily fixed.The Consumer Financial Protection Bureau announced today that it filed complaints and proposed judgments against Prime Credit, LLC, IMC Capital, LLC, Commercial Credit Consultants, and Park View Law, …

    Source: The Consumerist
  • Lawsuit claims Uber discriminates against wheelchair riders
    Tuesday Jul 18, 2017

    NEW YORK (AP) — A nonprofit disability rights organization has filed a class-action lawsuit against Uber, claiming the ride-hailing service discriminates against New York City riders with disabilities by not providing enough access to vehicles that can accommodate wheelchairs.Disability Rights Advocates filed the lawsuit Tuesday in New York State Supreme Court.

    Source: SFGATE.com: Top News Stories
  • Manhattan Skyscraper Linked to Iran Can Be Seized by U.S., Jury Finds
    By VIVIAN WANG - Thursday Jun 29, 2017

    A federal panel concluded that the majority owners of 650 Fifth Avenue violated sanctions against Iran and laundered money through a shell company for an Iranian bank.

    Source: NYT > Home Page
advocates against adversities llc monticello ny