Carly
Neals used in May 2010 with PNC Mortgage ("PNC") to refinance the
mortgage on your own at home with her husband in Wexford, Pennsylvania. Neals is a mother of three children, the youngest was born on 21 June
2010 and the PNC based on the underwriting guidelines of Fannie Mae is
that its request to borrow 90% of the value of your house requires
private mortgage insurance. Mortgage
loans usually require applicants who seek to borrow more than 80
percent of their home's value to obtain mortgage insurance.
Loan Request Neals documented her salary and bonus income from her full time job for the last two years. This documentation contains fragments from 29 to pay April 2010 and 13 May 2010, showing net salary of $ 2,148.98 for each two-week pay period. After giving birth to her youngest son's 21st June 2010, Neals began a period of fully paid maternity leave from her job.PNC decided in early July 2010 on the approval of the course Neals mortgage loan application approval conditioned on his private mortgage insurance. Mortgage Guarantee Insurance Corporation ("MGIC"), the nation's largest mortgage insurer, received a request to insure a mortgage loan Neals 12th July 2010, the company directed to his office in Newtown Square, which deals with loans secured by real estate in the northeastern United States. As part of the underwriting process, MGIC requested bank records updated Neals, because her employer and how to save maternity leave income differed from his investment methods for regular wage income, the bank records revealed that the Neals was on maternity leave.
After reviewing bank records and explanations of maternity leave on the morning of the 26th July, MGIC called subscriber is assigned a loan Neals PNC to explain that MGIC will not issue mortgage insurance while she was on maternity leave.
And so the basis for the court were launched.HUD Complaints
Neals filed a complaint with the U.S. Department of Housing and Urban Development ("HUD"), based on MGIC are discriminated against her when it stabilize the mortgage insurance termination of maternity leave and subsequent return to work. After examining the complaint, and that the parties were unable to reach agreement, HUD issued a charge of discrimination and referred the case to the Justice Department, "DOJ").DOJ Complaint
On 5 July 2011, DOJ filed suit against MGIC in U.S. District Court for the Western District of Pennsylvania, that the company illegally demanded that women on maternity leave return to work before the company would insure their mortgages even for women who had guaranteed the right to return to work after maternity leave. The case was filed in the Office of the Attorney General to seek redress for housing discrimination, which raises the question of general interest.Settlement
30th April 2012, DOJ announced that it settled its action MGIC, which was the first such suit involves discrimination against women and Familes in mortgage insurance. During the investigation of this matter, the DOJ to identify the injured person, based on its extensive review of the record MGIC MGIC mortgage applications, and worked to turn records over the course of settlement negotiations.
Overall, the settlement provides for a $ 511,250 fund to compensate 70 individuals aggrieved by the alleged discriminatory treatment between 2007 and 2010. MGIC will pay $ 38,750 civil penalty. Neals will receive $ 42,500 from the settlement fund to address the specific pain and suffering and replace it with forfeit, in response to a request MGIC is that the return to work.
MGIC will have to follow a series of detailed non-discriminatory provisions in its future review of applications for mortgage insurance involving women or men who are or have returned from, paid or unpaid leave in connection with the birth, adoption or foster care placement. MGIC also will monitor its treatment of applicants for leave to care for new baby, train their employees on the requirements of fair housing laws, discrimination, and provide notice to the applicant's mortgage.
Individuals compensated as part of the DOJ settlement continue to be entitled to compensation from a special private class action lawsuit filed by the complainant HUD. MGIC entered into a preliminary settlement of litigation proceedings, which remains subject to court approval, to allow victims of alleged discrimination MGIC on maternity leave to apply for an extraordinary amount of damages above the compensation provided by MGIC settlement with the United States.
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Loan Request Neals documented her salary and bonus income from her full time job for the last two years. This documentation contains fragments from 29 to pay April 2010 and 13 May 2010, showing net salary of $ 2,148.98 for each two-week pay period. After giving birth to her youngest son's 21st June 2010, Neals began a period of fully paid maternity leave from her job.PNC decided in early July 2010 on the approval of the course Neals mortgage loan application approval conditioned on his private mortgage insurance. Mortgage Guarantee Insurance Corporation ("MGIC"), the nation's largest mortgage insurer, received a request to insure a mortgage loan Neals 12th July 2010, the company directed to his office in Newtown Square, which deals with loans secured by real estate in the northeastern United States. As part of the underwriting process, MGIC requested bank records updated Neals, because her employer and how to save maternity leave income differed from his investment methods for regular wage income, the bank records revealed that the Neals was on maternity leave.
After reviewing bank records and explanations of maternity leave on the morning of the 26th July, MGIC called subscriber is assigned a loan Neals PNC to explain that MGIC will not issue mortgage insurance while she was on maternity leave.
And so the basis for the court were launched.HUD Complaints
Neals filed a complaint with the U.S. Department of Housing and Urban Development ("HUD"), based on MGIC are discriminated against her when it stabilize the mortgage insurance termination of maternity leave and subsequent return to work. After examining the complaint, and that the parties were unable to reach agreement, HUD issued a charge of discrimination and referred the case to the Justice Department, "DOJ").DOJ Complaint
On 5 July 2011, DOJ filed suit against MGIC in U.S. District Court for the Western District of Pennsylvania, that the company illegally demanded that women on maternity leave return to work before the company would insure their mortgages even for women who had guaranteed the right to return to work after maternity leave. The case was filed in the Office of the Attorney General to seek redress for housing discrimination, which raises the question of general interest.Settlement
30th April 2012, DOJ announced that it settled its action MGIC, which was the first such suit involves discrimination against women and Familes in mortgage insurance. During the investigation of this matter, the DOJ to identify the injured person, based on its extensive review of the record MGIC MGIC mortgage applications, and worked to turn records over the course of settlement negotiations.
Overall, the settlement provides for a $ 511,250 fund to compensate 70 individuals aggrieved by the alleged discriminatory treatment between 2007 and 2010. MGIC will pay $ 38,750 civil penalty. Neals will receive $ 42,500 from the settlement fund to address the specific pain and suffering and replace it with forfeit, in response to a request MGIC is that the return to work.
MGIC will have to follow a series of detailed non-discriminatory provisions in its future review of applications for mortgage insurance involving women or men who are or have returned from, paid or unpaid leave in connection with the birth, adoption or foster care placement. MGIC also will monitor its treatment of applicants for leave to care for new baby, train their employees on the requirements of fair housing laws, discrimination, and provide notice to the applicant's mortgage.
Individuals compensated as part of the DOJ settlement continue to be entitled to compensation from a special private class action lawsuit filed by the complainant HUD. MGIC entered into a preliminary settlement of litigation proceedings, which remains subject to court approval, to allow victims of alleged discrimination MGIC on maternity leave to apply for an extraordinary amount of damages above the compensation provided by MGIC settlement with the United States.
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