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Tuesday, March 2, 2010
Further Thoughts on the Background Dress (with Swatches!)
First, let's talk about the silhouette. I didn't realize that this dress actually has a very pronounced a-line skirt. Who would've thunk it from this photograph in VoNBBS?
(See, the damn pattern companies have always been trying to trick us with these sneaky and misleading photographs! Ha!)
In reality, the skirt pattern is definitely FLARED. Which is fine, but let's call a spade a spade. I had originally foreseen myself modeling this skirt after my super-slim tapered Jenny skirt, but that's definitely not the intended silhouette of the pattern.
It's interesting to think what this silhouette tells us of the time period. This particular pattern was published in 1950, two years before VoNBBS itself was published. So this silhouette must have been heavily influenced by the a-line skirts of the 40s, rather than the tight wiggle dresses of the mid-50s. Isn't it telling that by the time they shot the photos for VoNBBS, the stylist was already trying to update the dress to a more current or forward-thinking silhouette? I can just see the back of that skirt clipped back with a bunch of laundry pins!
Now, onto fabric and color. Many of you gently helped me realize that my initial fabric choice (a $1.95/yard Vera Wang navy cotton-rayon faille) was all kinds of wrong. The hand was too stiff and the color was just too conservative for me to really get excited about sewing it.
Also, an aside related to color: one of you asked why VoNBBS called this the "Background Dress." I believe the answer is that this dress is meant to be a background for accessories, a sort of blank slate. It has two buttonholes around the neckline through which you can wrap a scarf (or perhaps pin some vintage sweater guards?). So, in keeping with this spirit I didn't think that the color should be too shocking, but perhaps my version of a neutral. I loved that a couple of you brought up the idea of purple. So, with purple visions swimming in my mind, I made a quick lunchtime swatch reconnaissance mission yesterday.
I looked at crepes.
Gabardines and suitings.
And, last but not least, double knits.
Lots of lovelies to choose from, eh? All in all, I'm very much digging this smoky blue-purple double knit.
I think it's still understated enough to embody the spirit of the background dress, but with a little kick. Plus, I'm loving the way it looks with my coloring and some red lipstick.
What do you think?
P.S. Readers, did you know that as a community, you are overwhelmingly pro-three quarter sleeves? I think you should run a campaign to instate three quarter sleeves on all dresses; you're a very convincing bunch! I'm happy to report that I'm taking your advice on the matter.
33 comments:
I love the idea of "my version of a neutral." Something that looks good on you, goes with most of the clothes and accessories in your wardrobe, and generally acts as a reliable, trustworthy color in your life.
I'd be curious to see what everyone's personal version of a neutral is. My neutrals would be dark blue (but only in the context of jeans), charcoal gray, chocolate brown, oatmeal, and black.Purple is also my idea of a neutral! I have a purple handbag that I wear with EVERYTHING. I love your final choice.
Out of curiosity, where did you stop to pick up those double-knit swatches? Do you find that some NYC-stores are more pro-swatch than others? In some stores I'm nervous to ask for swatches...A A-line skirt, really? It doesn't show much on the pattern enveloppe as well... And I have to admit that as darling as the pictures of the book are, I find the way they're cut quite strange: not to show the whole garment is weird when you think that the goal is to display how superb the patterns are...
I'd love to see this purple knit styled with red accessories! But I have a (silly) question: why the hell are those knits called 'double' (I don't think we have this termination in France)?I'm loving the purple double knit; I think it will look smashing on you (and yes, red lipstick is a must! ;) I love pairing red lips with my purple outfits)! I like the idea of "your neutrals", because it brings up something I've been mulling over a lot lately: aren't "neutrals" subjective? Excuse me as I go off on a bit of a rabbit trail here... We've been boxed into the idea that "neutrals" are things like shades of white/cream, black, gray, brown, navy, etc. But if you don't like the standard bunch of neutrals or find that they don't work in your wardrobe, who is to say that you can't make your own set of neutrals? I've been slowly working towards doing just that in my own wardrobe: medium blues, gray, purple, etc. Those have become my more flattering "base" pieces, and I'm finding that I actually use them more than garments that are in conventional "neutrals"!
Anyway, I can't wait to see your version of this dress! :)
♥ Casey
blog | elegantmusings.comi've got the simplicity pattern version of this dress and i am planning on doing it either in blue, as you initially were, or in purple, for almost the same exact reasons. i'm a scarf fiend and i have several that would look amazing with a nice basic dress like this.
as for sleeves, i'm actually all about short sleeves! good luck! i'm thrilled to see you back on VoNBBS!Oh I love the 3/4 length sleeve. I prefer to call it a "bracelet sleeve," because, well, I love bracelets. They are the only accessory about which I seem to be able to work up any sort of enthusiasm. (For myself,that is; I *love* and admire accessories of all kinds on others).
My only concern is that bracelet sleeves seem to bunch up inside my jacket sleeves. One cannot hold them while putting on a coat. Do you have a solution for that?
Also - I have what appears to be that same doubleknit in the same eggplant-ish color and I have been hoarding the scraps from a terrible project I made years ago. Maybe I should reconstruct it into something else? You're so inspiring!Carlotta: Thinking back to my fibres yarns and fabric classes that i took while I was studying textile design it has something to do with the kind of knit. Hand knitters would call it rib but the machines do it a different way. Anyway it means it looks the same on both sides and doesnt curl. Glad I didn't waste all that money for nothing. Now ask how to do a burn test.
ReplyDeleteHey everybody! To answer a few questions. Mikhaela, there are DEFINITELY stores that are more swatch-friendly than others. The friendliest is New York Elegant Fabrics on 40th street. They have swatches pinned to every bolt of fabric and you can just take them; you don't even have to ask. Paron's is my next choice for getting swatches. They recognize me at this point and are very nice about giving me swatches and even fill out little cards to go with them. The third place is Rosen and Chaddick and they also are very helpful and generous with swatches. I try not to take advantage too much. But I'll admit to grabbing dozens of swatches at NY Elegant just because I can! I got one double knit swatch from each of these stores, and my final choice comes from Rosen and Chaddick.
And on doubleknits: Like Kate says, these are knits that are double-faced, so they look the same on both sides. They're thicker than an regular knit and much more stable. You can use them in place of wovens. (As opposed to regular knits, which you really shouldn't substitute for wovens.) The one I picked has a little bit of crosswise stretch and NO lenthwise stretch. They are very comfy too!
Love the thoughts on neutrals; perhaps the topic deserves a post!- AnonymousMarch 2, 2010 at 10:21 AM
fantastic color choice! I also just shorted the sleeves on a vintage dress I found thrifting to 3/4 length. This is definitely the way to go!
I just want to say that I really love your blog and projects. Fantastic style, a very human approach, and beautiful designs! You've definitely been part of what's inspired me to get back to my long-unused sewing skills and machine and begin making some pieces for myself again. Cheers!
Bird on Your Shirt - AnonymousMarch 2, 2010 at 10:23 AM
I love where you are going with the color. And the sweater guards will look adorable!
ReplyDelete Thanks Gertie! Yes, Paron's definitely has been friendly about swatching in the past, but I will have to check out NY Elegant Fabrics, I've walked by but never gone in.
I just thought of my own other personal favorite "neutral" besides different shades of purple and eggplant: chartreuse. I swear chartreuse goes with EVERYTHING. I have a little chartreuse cardigan and a pair of chartreuse pumps and when all else fails, they just work!I am finally coming around to being a fan of purple again after my husband insisted on painting our bedroom lavender. I was completely resistant at first, but the color has really grown on me! I can't believe that there was a time that I didn't like it!
My favorite swatch is aubergine colored crepe in the top right corner! And the double knit in the center. Yum!- AnonymousMarch 2, 2010 at 10:46 AM
I love the double knit! I think it would be perfect for your coloring. I like that you're thinking about your version of neutral too. LBD means blue to me--I hate black, and though I stand in defiance against many decades of fashion, I refuse to wear it. So if purple is your neutral, more power to you!
I too am an enormous fan of 3/4 sleeves. If it wasn't so cold in the winter at times, I'd never wear long sleeves...and actually, I can't cook in long sleeves anyhow, so toss it all, maybe I should just wear scarves when I'm cold and proudly bare my lower arms! Definitely get whatever sets off your coloring! Love the purple contenders, but also the more periwinkle blue.
Don't know how "seasonal" you want this dress to be? If you're thinking of more of a spring/early summer dress, going with a medium hue vs the deepies could make for a better transition piece.
My neutral is aqua --light to deep. Looks great with browns, reds, greys, tans etc and (IIDSSM) amazing on me.- AnonymousMarch 2, 2010 at 12:07 PM
When I choose fabric, it's based on how it feels in my hand, how well it blends into the rest of my wardrobe, if it suits the project, and last but not least, if I can't live without it. Sometimes I know what pattern I'm using, but most of the time it's fabric lust!
Purple is a wonderful neutral in any wardrobe. I have a beautiful coat that goes with everything because of it's dark rich shade.
3/4 sleeves are a must for me for convenience alone. Long sleeves just seem to be in the way even if they are pushed up.
It's great that you have access to samples for immediate gratification for your projects. You are so lucky to be where you are. Those of us in the sticks have to wait for the snail mail to arrive or deal with the limited selection at the local fabric shop.
I can't wait to see your progress with this background dress. The VoNBBS challenge is why I started reading this blog and why I started sewing vintage. Thanks for the inspiration.
Jennifer I love what you said about your kinds of neutrals. My wardrobe has the same concept, and it works for me because the basics all suit my coloring, and I can accessorize and play with texture and silhouette as much or as little as I want to and know the end result will pretty much always be fab.
I'm also a huge fan of the 3/4 sleeves. I find they elongate my arms and are perfect for gadding about in and out of cars, in and out of stores, in all kinds of weather. Not bad either, as someone else mentioned, for showing off a bit of wrist bling ;)
Love the final color choice!I love the purple double knit, but in my opinion, it isn't a neutral. A colour that suits you certainly belongs in your wardrobe, but a neutral is a colour that you could wear everyday and that you could even wear head to toe. My go to neutrals are black, white and tan, which I love to combine with splashes of colour (colours that suit me, such as coral, turquoise, purple, plum, all shades of green). I think you could wear black everyday and never look the same, depending on the style of garments you choose and how you accessorize them. If you wore purple or plum everyday, it would be too monotone. Green is a colour that looks great with my skintone and haircolour, but if I wore it head to toe, I would look like an elf!
ReplyDeleteThis is my favorite pattern of the bunch here. I've even been looking for it since I saw it here. It's my MOST favorite. I LOVE it. I think the knit will be perfect, because I think that you want a little something that clings to your body a bit. Oh that neckline scarf thing is to DIE for. I think the 3/4 sleeves will look heavenly, right to the elbow. I don't know about you, but I would taper that skirt in too. I just don't love that a-line look. Show off all those curves girl!
ReplyDeleteI think the buttonholes are to attach the various neckwear shown on the pattern envelope. Are they in the pattern?
How about a "conservative" purple with patterned ruffles, scarves, etc. made from the pattern. The Background refers to dressing it up with the various "attachments" for lack of a better word!Hi, I love the purple, but am also really excited to see what you will accessorise it with - the purple will be a fabulous background - do you know yet what you will put with it?
As for 3/4 sleeves, I love them so much that my 3 year old is always pushing up her full length sleeves, to look like Mummy's.- AnonymousMarch 3, 2010 at 11:14 AM
I had never thought of purple as a neutral until recently and my mind has gone wild with purple "what ifs". I just got a new pair of glasses that are Purple (OK, they're really sorta mauve but the color is listed purple on the description) and I was a bit hesitant to get them thought I liked everything else about them. I've suddenly realized that there is nothing they don't match or blend with quite nicely. I've been much too dependent on black, navy and tan as neutrals and my conservative nature (which sometimes drives me batty) and my closet show it. Hooray for purple! I love the choice. It updates the pattern to today's choice of fabrics but still has that vintage pizazz. Great choice.
joanier Deep purple is the color I go for when in doubt, definitely. It is not quite a neutral, but a color that blends well with many others. Black always works, grey, navy, many greens, blues and tones of reds, etc. I think you will enjoy a double knit, has a firmer feel and stays put when you sew it, but you have a softer feel. I recently made a dress with a 6 gore flared skirt and loved how it moved. I have one cut out of rayon double knit for the top and a lightweight woven for the skirt.


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September 2013
Bifurcation of Time
Lisa Renee
Dear Ascending Family,
Bifurcation means the splitting of a main body into two parts. In the mathematical study of change that occurs within a structure or space, bifurcation occurs when a parameter change causes the stability of an equilibrium or fixed point in a field to change. The comprehension of the mathematical change that is currently shifting the geometric value of frequency, which further generates a bifurcation in the structure of time and space, is very relevant to us now. This is directly related to the forthcoming split occurring between timelines, which govern our continued consciousness energy expression on the earth plane as it is moving into future time. Thus, the planetary fields and humanity are coming to experience the next phase of the planetary Ascension cycle, which is the nature of the Bifurcation of Time.
For many years the sequential phase of gradually increasing the frequency sets on the earth, has been the byproduct of Stellar and Solar Activations transmitting frequency to the planet and humanity during the Ascension Cycle. The accumulation of progressively increasing frequency being integrated into the overall planetary field is what shifts us into higher frequency dimensions. When the movement into higher dimensions of frequency occurs in the next higher octave level, it creates a great impact in the overall fundamental base frequency on earth. The overall fundamental frequency or base, is also the coordinate location of a fixed point in a time and space field. So, when the base frequency changes so does time and space. This base frequency is comprised from the lowest frequency strings, which are resonating in any kind of energy field. Think of the root chakra red as the lowest base frequency, whether it is a human aura or a group aura, organizational energy field or the multiple layers of energy within the unified planetary field. All of those combined fields of resonating energy are potentially averaged into an overall base frequency. Where the base frequency is resonating determines the location at a fixed point in time. Which is the value that determines the range of possibilities of that energy field as a person, place or thing, in the momentum of forces which direct future timelines.
Additionally, this means our general world perception, world views and values are constructed upon the overall collective consciousness base frequency of every human being on the planet. It is the quality of the frequency in that collective energy field, which will directly impact humanity in both personal and environmental experiences throughout time and space. This base collective energy is what we can observe reflected in the fragmented chaos and severe disconnection that currently dominates the entire world scape. The quality of frequency in a collective energy field shapes our world views and belief systems, influences our world perceptions, and will reinforce values and ideals, which will be reflected in the personal choices that we decide to make. Unless humanity breaks away from the Archontic Deception and changes its world view, starts to make different choices the overall quality of frequency in that collective field remains stagnant and unchanged. The Bifurcation of Time is forcing a direction which will accelerate volatile change in areas, as well as people that are energetically stagnant or regressive. This change in the nature of timelines pushes humanity to makes choices from the mental attitudes that have been formed from the world view perception and level of consciousness. Thus the choice is made between the negative ego layers or the spiritualized higher self, based on which is in control of the overall energetic body.
Point of Divergence
The lower the quality of overall energy, the more unstable and disconnected the personal and environmental experience on earth will become. The higher the quality of overall energy, the more stable and connected the personal and environmental experience on earth will become. The planetary collective energy field has many, many layers of intersection links, which are building more access points into diagonal lines moving throughout interdimensional fields. These links make it possible to directly intersect into many different reality timelines, traveling in the past, present and future. This is called transdimensional time travel. The accumulative effect of gradually increasing frequency and changing instruction sets in many of the transdimensional time and space fields has reached a point of divergence. The culmination of reaching this point of divergence within trans-time and space is forcing the shift of the overall planetary energy field parameters. That pressure of force being applied in the planetary energy field is resulting in accumulative intensity and extreme polarity amplification. When the extreme polarity of combined forces that exist together within a collective energy field reaches its apex, a split occurs. This is called the point of divergence within the fixed point in the field, in the range of possibilities within which a Bifurcation of Time transpires.
Matter Polarity in Attraction Reversal
At the point of divergence moving forward in time, as the extreme poles of frequency are then split apart they are further continually repelled from the strong force generated from the simultaneous amplification of each side of the existing polarities. This is a reversal of the current comprehension of 3D particle matter polarity structure, in which opposites attract and likes repel. The way to describe this is as a quantum event transpiring in the anti-particle energy fields where the polarity attraction at a certain frequency threshold reverses. The previous merging of opposing polarities of vibrational force is reduced as there is a bifurcation and thus curvature made within the space time continuum. This bifurcation means the lowest fundamental frequency will spiral into a continual descending pattern, which greatly amplifies the increasing low frequency in density or increased energetic compaction. Conversely, the higher frequency threshold will break away from the extreme polarity of the lower base frequency and roll upwards into the next higher dimensional frequency octave or increased energetic expansion and weightlessness. This is similar to expressing that the pressure of vibrational force exerted upon the higher frequency from the lowest frequency, that creates an average fundamental frequency while co-existing in a group energy field, will cease to exist in the same way as it has in the past.
There is a caveat with the cease of pressure and amplified polarity in relationship to the human energy field and human lightbody. This is regarding the personal aura energy threshold of holding a fundamental higher frequency. It means that those who sincerely are devoted to raising their auric frequency and getting free from negative ego and Archontic Deception behaviors, will experience much more energetic support to raise their frequency. This has nothing to do with judgment and everything to do with physics governing the quality of frequency. The overall spiritual ascension process to clear distortions and implants and to build the lightbody intelligence will feel more heart based buoyant and available. However, this cannot be achieved while one is living in self-deception or deceiving others. This also cannot take the place of spiritual agreements and consciously participating with building one's relationship to God and relationship to the self. Those lessons of energetic mastery will not be taken away, but they will be played on a much more fair game board.
Conversely those who are left unaware or refuse to take responsibility for negative ego behaviors and perpetuating the lower fundamental frequency, will undergo extreme pressure to change. That pressure will amplify in all directions from 360 degrees and feel volatile. So, it is very important to pay attention, choose wisely and not allow oneself to be carried off aimlessly by the powerful world of forces into a destructive direction. The choice is with each individual.
Ascending Hubs and Descending Hubs
The impacts made to the demographic areas of the earth will also be clarified. As the Bifurcation of Time transpires based on the choices made individually and in groups in regard to vibrational frequency, this has the exact same effect on the surface of the planet in communities, cities, states, countries, and so on. Depending on the energetic quality of an area or localized hub, will determine if that location is an ascending hub or descending hub. That means that land mass or area is either amplified in its energetic compaction or amplified in its energetic expansion, depending on a variety of energetic factors. The most important factor is the energetic quality or high frequency of the group of human beings that live and love in that specific area. The power to amplify high frequency and invite Krystic forces to upgrade the land mass is always an option that can be requested by any heart based and sincere human being.
A location such as a city that is a descending hub area will have common low frequency symptoms, be riddled with crime and negativity, perpetuating harmful or destructive actions towards self and others, the land will feel dead or barren, and will become increasing less stable politically, economically, and this will be socially reflected through the communities. For a person who is wearing their 12D shield, or has developed higher sensory perception through the soul or higher embodiment, the frequency of negativity will be appallingly amplified and made very clear in energetic discernment. For a person who is disconnected and internally miserable, they will be unable to discern the energetic terrain and most likely will resonate with that low energy location based on their own unresolved emotional conflicts and suffering.
A location such as a city that is an ascending hub area will also have common higher frequency indicators, where the environment feels positive and lighter, people seem to be kinder and smiling, the land is alive with more nature and animal spirits, and will have increasing stability economically, in local politics, and be socially reflected in the group awareness of community and humanitarian based issues.
Synchronization of Frequency Hubs
As more people undergo the bifurcation of time this will start to gather and attract similar people with similar resonating frequencies to form into group consciousness or consensus realities. This attraction of gathering people will begin to form reality bubbles of shared belief systems that will be contained throughout the land mass and spread to different locations across the globe. As similar resonance attracts groups to form community and collaboration, these areas on the earth of matched frequency will be increasingly synchronized. This phase begins a synchronization of frequency hubs across the globe, either of descending or ascending vibrational quality.
The synchronization of global frequency hubs with ascending vibrational quality will generate stability in the overall energetic foundation, which will allow for the strengthening of the external forces in the environment. This supports the Krystic architecture to be anchored continually throughout these interconnected frequency hubs of ascending areas. For those of us consciously participating with the ascension process, this is of great foundational support to continue to build and live within the Krystic architecture with much greater ease.
In the immediate change that will synchronize the frequency hubs of descending vibrational quality, will generate an increase of volatility and chaos in the energetic and environmental foundation. At this time the descending hubs areas on earth are a wild card of unseen probabilities, which are being continually manipulated by those that seek to wield harm and destruction upon the human race. The main source of that Archontic Deception and controller fear program is the Armageddon software. Currently those who promote this false timeline are working to manifest its results in the descending areas, such as the Middle East, one of the most volatile areas.
For this reason, this month we have gathered our community to join in regular prayer and loving intentions for resolution in the Middle East. It is suggested at this time to pray and hold visions of World Peace to help circumvent the continued progression of the Archontic Deception to use the Armageddon software to perpetuate the spreading of hate crimes against humanity. To support and help our intentions to override the 911 timeline, the World Peace Prayer is located here.
Rishic Suns in Ursa Major
The Solar System of Rays and the main Solar Body or Sun is undergoing an evolution in that its magnetic pole is reversing. This is a shift in its internal magnetic structure, which is being synchronized to a new time cycle which is altering the transmission of the entire Seven Ray Structure in all Seven Solar Planes. In current science we have identified the seven ray structure as a part of the visible light spectrum, which we can see in the electromagnetic spectrum. Visible light waves are the only electromagnetic waves we can see which represent about 1.5% of the entire known spectrum. We see these electromagnetic waves as the colors of the rainbow and as a part of our chakra system. Each color has a different wavelength and corresponds to a different dimension of time. Red has the longest wavelength with the lowest frequency, while violet has the shortest wavelength and higher frequency. When all the waves are seen together, they make white light. These seven rays are intrinsic building blocks to the construction of physical matter as we have known it in 3D reality. However, there are many more ray spectrums which are intrinsic to the building blocks of anti-matter functions and these rays are also undergoing alteration. The alteration is related to the building blocks of the Universe, the proton, electron and neutron in all of their different potential relationships of spin, angle, rotation, and so on. These alterations in the Solar System Ray Structure are very clearly related to the physics behind the Bifurcation of Time transpiring now.
The current Solar System evolution is also reflected in the blueprint and architectural change within the constellation of Ursa Major and the seven main stars in the Big Dipper.
These seven stars which act as electromagnetic ray spectrum lenses which transmit the various streams of the ray structure through the three main gateways, which lead to the Sun and then to the earth. The principle of masculine active force of these stars is called the Rishic Suns. It is the new activity of the Rishic Suns that are changing the masculine principle through the alteration of the Seven Ray particle structure. The Rishic Suns are sequentially merging with the Seven Sister stars in the Pleiades in the Taurus constellation, the Bull. Together this is the active principle of the masculine and the receptive principle of the feminine uniting through the constellations, which allows access into the cosmic planes. This has not occurred for over 250,000+ years and is an incredible event in our Cosmos happening now.
Awakening Father God
Spiritual consciousness pathways of next generational learning and spiritual development are being developed for humanities collective soul, earth kingdoms and other types of biological entities in this timeline. This timeline is serving as both a cosmic portal opening and a bifurcation of time. These galactic pathways opening have been referred to as The Path of Absolute Sonship. The vast trinities of beings who are serving this Cosmic Path have recently entered into an active state within our Solar and Galactic Logos cycle. This is akin to comprehending the Cosmic Christos as a Solar Body and how it returns to this physical plane at the end of the Ascension cycle. These awakening beings are the Cosmic Monad and are a part of the divine will of the Universal Father Arc or Father God principle. They were beyond our reach in previous timelines because of a ring–pass–not around our Solar System, and now is the time they return to activity with the earth plane and humanity. The Rishic Suns uphold the principle of divine law in that they dispense to those who have merged themselves with their divine spiritual principle, those beings who are not held or controlled by the material forms of the lower three worlds of 1D-2D-3D. The awakened Rishic Suns as a Cosmic Monad principle will pour this new Solar Spiritual Source, through massive amounts of plasma waves into the human monadic principle which alters the monadic bodies here in this plane. So, this timeline begins as the great adjuster of the recorded memories of the many polarities experienced in the energetic principle of Universal Law, the Gender Pairs of Opposites. This dispensation of the Universal Law is an adjustment of energy that must be accounted for and reconciled in this end cycle period.
The Cosmic Monad of Father God and the transmission of the next phases of the liquid plasma waves of the Cosmic Christos are returning now to activate or return the permanent atom seed to those who the permanent atom seed should belong to. This is the return to rightful owner to those human beings that have developed their heart and true spiritual consciousness in love. The permanent seed atom is located in the higher heart center (8D) and is that which holds all consciousness memory in the Universe. If this has been stolen, damaged or abused by another, it will be repaired and returned whole to the rightful owner. This is also called the Crystal Lotus Heart, while the reverse is called a black heart or metatronic heart.
Alteration of the Zodiac Influences
The Zodiac as we have known it will be altered due to these magnetic changes and the astrology influence or mental imprints will change, alter or amplify depending on the level of awareness and interaction with those cosmic and magnetic influences. This means that our magnetic imprint received from the zodiacal constellation alignments at birth will cease to have the same influence upon our body, our personality, our mind and will impact many other factors. Conversely, those who are under the severe mind controlled influence of the zodiac archetypes used by the N.A.A. machinery may accelerate those influences into distorted behaviors. It has been confirmed that Saturn is a headquarters used for zodiac mind control and that this planet's aura and Logos is the densest and most problematic in the entire Solar System. Saturn is an Orion outpost for many of the N.A.A. activities to distort and pervert the lower dimensions and propagate the 4D astral delusions along with the 5D false ascension programs. Most of the false ascended masters using the 5D false ascension program through Orion are actually transmitted through Saturn. Additionally, it was confirmed all forms of blood cult worship were designed through Orion Groups by using Saturnian worship interchangeably for propagating Satanic Ritual Abuse on earth. These distortions and their disadvantages remain heavily prevalent with those humans who may have heavy Saturn influences in their zodiacal birth chart. So, for spiritual clearing purposes of curses, hexes, blood covenant or blood cult history, one may need to review Saturnian influences for removal of satanic types of bondage made in agreements to serve the Orion Group.
Plasma Waves and Plasma Ships
Planetary, Solar, Galactic and Universal Consciousness field layers are being newly sectioned off to be managed through the stewardship of the councils of Krystic Luminary Architects. This is to say that Christos Liquid Light Plasma Beings are assuming different management roles to help with apportioned layers of the consciousness fields spanning into different densities that just opened for access. This is another Krystal Star management step assuming a task to take direct inventory of the field damage, such as reversal electron fields and static nets, at a level that has never been accessible before. The project now is to rehabilitate blockages in the 5D earth timelines that will allow more human beings to access full soul embodiment (4-5-6D) into its complete trinitized form, with full soul triad body merge and integration. This creates a type of ongoing spiritual diaspora which relates to the transiting, and the moving consciousness fields into other space time continuums. It's very chaotic in the fields at this time. However, this is another push forward in the rehabilitation of the planet's architecture and related systems, which is very positive for those of us on the ascension pathway.
The plasma waves are also related to the transmissions made throughout the Aurora Guardians GSF Ascension timeline called the Aurora time continuum. These plasma waves are neutral fields being transmitted into the synchronized ascending areas and the magnetosphere through plasma ships. These plasma ships are biological plasmic light bodies, which are stationed in future time areas of the planet, to transmit the plasmic liquid light and activate certain zones of the planetary body. Those of us who have prepared to receive and transmit those plasma waves are acclimated to the double diamond sun body, which is a mirrored ball of plasmic light. This is the Christos Double Diamond Solar Light body. In many ways this group acts as a step down of these high frequencies to acclimate the planetary body to more safely to run these types of plasma wave current without harming the earth surface. This small group may feel pulsar waves of light coursing through their bodies, tingling sensations, meridian connections, body changes such as the spleen and liver coming online into a new function. The plasma light is similar to the Aurora Borealis, oscillating in liquid cellophane of pulsing color waves. The spleen and liver are upgrading the blood stream and this is related to the spiritualized blood chemistry, through the changing structure of blood plasma.
What is Plasma?
The solar system and the bulk of the universe making up the stars and our sun and the vast interstellar spaces in between, are in the form of plasma. Plasma is a very hot gas in which the electrons have been stripped from atoms. For plasma to exist, ionization is necessary. Ionization is the process by which an atom or a molecule acquires a negative or positive charge by gaining or losing electrons. So one way to prevent ionization of the upper atmosphere is to prevent the generation of plasma waves, by spraying chemtrails or aiming microwave frequency form HAARP or GWEN, into the upper atmosphere and into the earth crust. This is one N.A.A. agenda to keep the potential frequency as low as possible in this density.
Plasma waves can generate waves at frequencies that are extremely high compared to the highest characteristic frequency of other forms of matter. The earth's plasma fountain, gushes into space from regions near the earth's poles. The Aurora Borealis, which is part of the consciousness units being re-encrypted by the Aurora Guardian Ray force, is where plasma energy pours back into the planetary atmosphere. Plasma does not have a definite shape or a definite volume unless enclosed in a container, and this is why the Krystic architecture and body must be built for the Cosmic Christos light to dwell within. This also helps to explain how our physical being is undergoing a process of less densification in matter to shift into another state. In basic chemistry we learn that there are four fundamental states of matter, which can be transformed from one state to another; solids, liquids, gases and plasma. As we change the electron count through the process of ionization by adding protons from the solar activity, spiritual ascension, we change the basic compounds of our elemental body to become less dense. As we become less dense through embodying higher frequency, the physical matter state changes so that liquid plasma light is able to be conducted. As we are gradually able to conduct plasma light, we are able to change the atomic structure of our body from carbon based into the less dense compound of silicate. This occurs through the changing of the number of electrons that are bonded to our atomic and subatomic structure. It is interesting to note the carbon atom has 6 electrons, 6 protons and 6 neutrons. The graphic represents a model for the carbon atom. This is the base atomic structure of our elemental body on the earth. Protons, electrons and neutrons build elements in a straight forward manner. For each additional proton a new element is created. For each proton an additional electron is attracted. The number of neutrons also increases, but not necessarily as one neutron per proton. When changes such as ionization are made to the base 666 structure a new element can be potentially manifested. This is the alchemical shift for the elemental body described by the Aurora through the vivified potential brought through the Four Living Creatures returning to the earth. Our physical carbon based body is shifting to less density, through alterations made in the anti-particle structure. This process has been defined by the Aurora re-encryption of the elemental body. The carbon atom represented is mutating to accommodate the new elemental body on the earth. Which means human bodies are mutating to evolve beyond the base 666 carbon atom. Additionally, to remove the frequency fence and quarantine of the 666 fields, we absorb plasma light which changes the number of electrons and frees us from the carbon atomic structure. It is through this process the Aurora Guardians are devoted to help humanity to embody higher frequency plasma light, in order for this shift to occur at the most elemental level of the physical structure of matter. This is the chemistry behind the Aurora re-encryption of the physical elemental body, which is the Guardian project to upgrade the base atomic structure via plasma waves and plasma ships.
So Now What?
This will continue to present some surreal challenges in the external world as so many people are not aware of these shifting cosmic forces, and do not have ascension tools, clear mental or emotional states or active higher sensory awareness. There is a great schism that is becoming visible in the representation of the external physical structure vs. the internal energetic structure. More of us can clearly see, sense or feel the disconnection between the internal and external energies as chaos or decay present in a person, place or thing, that is radiating that lower frequency quality of energy. There is energetic decay and subatomic decay in the field structures, being witnessed as heavily amplified with the recent bifurcation of time. These dissolving membranes are exposing the energetic field weakness in both humans and inanimate structures, so that even if the façade appears strong we can see that energetically the structure is crumbling. This means the crumbling of many larger structures will become increasingly evident at some point.
This time represents the true energetic reality behind the surface façade making its contents known to us and simultaneously there is a stripping of the wheat from the chaff. Humanity is in a process of identifying the source of our values, ethics, and priorities in life. For real change to occur people need to make different choices in familiar situations, such as stopping war and killing, the core problems we can see repeated in our recent history over and over. Since what we value in life is represented in our all our choices, this means people need to undergo a values shift. That shift is the re-education to human values rather than propagating anti-human values. For a value shift to occur in the world, people's world-view and myopic perception must change. The awareness of the great fraud being perpetrated as the Archontic Deception through the Negative Alien Agenda (N.A.A.), is an integral part of finding the clarity required for the world view to shift.
During this tumultuous time, it is always important to remember that the dark predator forces cannot administer harm if we learn to obey and be in harmony with the divine principle of life. God source is benevolent and loving, we must seek to build and strengthen that relationship first. We must trust the process of Ascension and hold the priority in our heart to be aligned with our inner spirit and its core value. May we all continue to learn how to perfect our minds and body to be in harmony with the divine laws, as these current massive shifts in time will give us a big push to feel liberated and be free.
May we come to know the strength, protection and peace of God on the earth. Until next stay in the luminosity of your Avatar Christ heart path. Please be kind to yourself and each other. GSF!
With a Loving heart, Lisa

subset: commoncrawl


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Therapeutic Assessment (TA)
Therapeutic Assessment (TA) is a brief intervention that uses psychological assessment to help people change their lives. Clinicians practicing TA work collaboratively with clients to develop a more accurate, compassionate, clear, and useful story about themselves and the world. Decades of research show that TA helps clients feel better and more capable of taking their next steps in life.
Therapeutic Assessment Institute (TAI)
The Therapeutic Assessment Institute (TAI) is a non-profit professional organization open to all assessment professionals and graduate students who share our mission and core values. The mission of the TAI is to inspire hope and promote positive mental and behavioral health around the world through individualized, collaborative, and empathic psychological assessment practice, education, and research.
The Board of the Therapeutic Assessment Institute invites all professionals and graduate students to become active members of our vital, creative community of people interested in Collaborative/Therapeutic Assessment. Read about membership benefits and join by clicking the button below.


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02/17/2023- Middlesex, NJ: There should never be any excuse when it comes to having a pair of safety glasses. This is especially true these days when there are so many possibilities for safety glasses, whether you currently wear prescription glasses or not.
However, it's more important that you have safety glasses that are comfortable and that you may need to wear all day at your workplace. Otherwise, you'll not wear them and thus not be protected when you need them most.
Instead of putting your eyes at risk when you can easily protect them, consider getting a pair of fitover glasses safety glasses. This will help that even if you're wearing prescription glasses, you can comfortably put these safety glasses over glasses and ensure comfort and protection.
RX Safety dedicates itself to always sourcing and discovering the best types of fitover safety glasses, so there's no reason not to get safety glasses and have the right eye protection. See below to find some available options that should fit your needs.
Fitover Safety Glasses PSG-CLR
These fitover safety glasses offer 360-degree protection with a wraparound style that helps keep them snug and comfortable for all-day wear. We offer these in a black frame with three different lens colors: clear, smoke gray, and yellow. There are also lenses on the side to help support peripheral vision and protection at the same time. Each of these lenses is made from a polycarbonate material with a scratch-resistant coating to improve their durability.
In addition, these are manufactured with TR-90 Nylon material, which is known for its low weight and durability. It also helps to achieve industry standards for ANSI Z87.1.
Phillips PSG-SP16 Safety Glasses
These are an excellent industry option for those that are looking for simple and optimal over glasses safety glasses. The SP16 is oversized, allowing a comfortable fit over many prescription glasses.
The temple is also bent to help aid with the comfort as a fitover glasses option. On the side, vents are built to allow for a consistent flow of air and help with condensation and fogging. Durability isn't an issue here as these frames are constructed from durable TR-90 Nylon, helping them meet ANSI Z87-2+ industry ratings and standards. These come with one color lens, which is clear.
Pyramex Safety Cappture Plus Safety Glasses
Our final option we will take a look at here is the Cappture Plus by Pyramex. These fitover safety glasses have both ANSI Z87.1 and CSA Z94.3 standards. At the same time, while they have high impact and velocity protection, they are also constructed in a way to make them non-conductive. This helps those working with electricity in the workplace have an extra protection layer.
To add to the protective elements, these also come with a foam gasket that helps prevent lenses from fogging up. Finally, for comfort, there's a band for a more secure fit, while the temples themselves can be extended to ensure a better fit over prescription glasses.
If you are looking for high-quality safety fitovers, make sure to check out RX Safety's great assortment of fitover safety glasses available for all kinds of work environments. If you have any questions, talk to our experts through our chat, e-mail us at email@example.com, or give us a call at +1 888 245 6638.
About Us:
Rx Safety is an American manufacturer of affordable prescription safety glasses and performance eyewear. A family-owned and operated business, with a state-of-the-art digital ophthalmic lab and the online store providing affordable, top-of-the-line prescription safety glasses, sunglasses, and performance eyewear on the market. All the safety glasses always meet or exceed the ANSI Z87+ standards for high impact, to be safe and secure while working in any kind of hazardous environment. Besides standard safety glasses, we offer a broad selection of prescription shooting and tactical glasses, prescription youth sports glasses, fishing, and motorcycle glasses designed and tested to meet our high standards. As an authorized distributor of Wiley X, Bobster, ESS, and BodySpecs, Rx-Safety.com offers a full line of prescription safety glasses straight from the manufacturer at wholesale prices.
Like us: https://www.facebook.com/RxSafety/
Follow us: https://www.instagram.com/rx_safety/
Subscribe us: https://www.youtube.com/user/RXSafetyVideos/
Retweet us: https://twitter.com/RXSafetyEyewear/
Contact Detail:
Company Name: RX Safety Glasses
Contact Person: Ryan Phillips
Email: Send Email
Address: 123 Lincoln Blvd, Middlesex
State: NJ 08846
Country: United States
Website Url: https://rx-safety.com/
Source: www.PRExhibition.com


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Frequently Asked Questions
Varicose Veins FAQs
What are varicose veins?
The term 'varicose veins' is often used to describe everything from smaller, spider veins (red or blue veins on the surface of the skin) up to true varicose veins (swollen, bulging veins with a rope-like appearance). Varicose veins are quite common, with one in three woman and one in five men experience problems. Varicose vein symptoms can include swelling, a tired, heavy feeling, leg fatigue, leg pain, as well as burning and itching sensations.
What causes varicose veins?
Varicose veins are almost always associated with venous reflux. This occurs when the valves in the leg veins don't work well, and backward blood flow causes pooling in the lower leg. Without treatment, the pressure this creates may increase over time and cause additional varicose veins and symptoms. People with a family history and who are older, obese or are pregnant, may be at increased risk of developing varicose veins.
Can varicose veins be prevented?
It is unclear if varicose veins can be prevented, but certain actions may help limit the disease's progression and symptoms. Routine exercise, maintaining a normal weight, avoiding excessively long periods of standing or sitting, and the use of compression stockings may all help alleviate symptoms.
What happens if I don't treat the vein?
If you have underlying venous disease (e.g., venous reflux), the pressure created by backflow of blood and pooling in the lower legs may create a progressive condition that only gets worse with time. This may lead to additional spider veins and varicose veins, and in some cases can lead to swelling and venous ulcers at the lower calf and ankle. A trained vein specialist can effectively evaluate your spider veins or varicose veins.
Will my spider veins or varicose veins reoccur, even with treatment?
Sometimes the same factors that helped to cause your first spider veins or varicose veins (e.g., family history, age, obesity, female hormones, etc.) will make you predisposed to develop additional vein conditions. If a specific vein is properly treated, it usually does not recur, but it is possible that other veins may become diseased. This is why it is important that even if you have what appear to be simple, cosmetic spider veins, that you consult a vein specialist who can determine if you have an underlying condition (venous reflux). If you do, and you don't treat the cause of the problem, additional spider veins or varicose veins are likely to develop.
Won't I need that vein?
Procedures like sclerotherapy, EVLA and Chemical Ablation act to close down a faulty vein. The vein being closed is dysfunctional and is allowing blood to flow backwards and pool, so leaving it open only makes things worse. The body contains numerous other healthy veins that are still functional and can easily take up the additional flow. Treatment of the faulty veins almost always results in improved blood flow in the overall venous system.
What is the cost of vein treatment?
Procedures like EVLA, microphlebectomy and chemical ablations, when shown to be medically necessary, are commonly covered by Medicare and insurance providers. Sclerotherapy for spider veins is generally considered a cosmetic procedure and usually is not covered. Consult your local insurance provider to determine your exact eligibility and coverage as well as cost.
Which doctors treat varicose veins?
There is a newer physician specialty called phlebology which focuses on vein treatment. This specialty has its own society (American College of Phlebology), provides board certification and specialty training. However at this time, it is not recognized as an official certifying body. Vascular surgeons, with their extensive training and experience in all aspects of vascular disease, surgery and intervention, are usually well qualified to treat any vein condition. Consult with your individual physician to determine whether they have any such specialty training or certification.
Book a Consultation
For a free vein screening evaluation with one of our ultrasound technologists, fill out the form below or call us at 561-477-0210.


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Each furniture item is individually hand crafted by highly skilled woodworkers in the United States and Brazil. With strikingly contemporary designs, Rotsen is known for a creative combination of contrasting materials, both new and old. A reference in the reutilization of materials, Rotsen meld wood salvaged from decaying bridges, old barns and demolished structures, harvested from fallen, well preserved trees, or from sustainable plantations and well managed forests with metal, glass, and Plexiglas to create furniture that is luxurious, distinct and unforgettable.
Each piece has unique characteristics and can be made to order per client's specifications. For custom projects, please contact design team.


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If you want to invest in options, bear in mind that it is a little more sophisticated than purchasing stock. Options trading, on the other hand, offers a plethora of benefits not accessible in traditional stock trading.
In this essay, we will look closely at the advantages of options trading to see what it has to offer the common investor. We will also teach you how and where to locate the greatest advice and investment possibilities.
Continue reading if you want to get more out of your investment than merely trading stocks on the market.
What Are Options?
When specialists begin teaching options trading to newcomers in the stock trading sector, it may seem a little daunting. Options are essentially contracts that offer the holder the right to purchase or sell a certain number of assets at a specified price.
These rights must be used at a certain period, which means you must purchase or sell before the contract's predicted expiration date. As the contract's bearer, you pay a strike price that is much lower than the value of the shares.
Furthermore, each option contract is comprised of 100 shares, allowing you to realize a significant cash gain when you sell. There are several alternatives available that may have varying effects on your share trading, and recognizing them is critical.
Call Options
A call option is one in which you call to purchase the option at a strike price before the contract's expiry date. This is also known as a long option contract, and the buyer profits if the value of the shares rises.
Essentially, if you anticipate an increase in the value of a certain asset, you will purchase call options as part of your plan.
Put Option
The put option is the inverse of the call option in that the holder of the options contract has the right to sell within the specified time frame. This is also known as a short option since you will sell it before the time ends at the strike price.
When you anticipate that the price of a certain asset will fall, you will purchase put options to ride the price down.
If you're still unsure what an option is, watch this YouTube video for a simple explanation of the many sorts of choices. We will now look at the advantages of investing in options rather than traditional stocks.
Benefits of Trading In Options
To make it simpler to comprehend, let's look at the advantages for the ordinary investor.
Low Initial Investment
You may earn significant gains with options without having to spend a huge amount of money on purchasing equities. This feature allows more investors who do not have big sums of money to participate, particularly the cautious novice.
This is also an excellent approach to getting exposure to the stock market by purchasing at a modest cost.
It is more cost-effective since the option may be purchased for a considerably lower price than the stock's worth. This also implies that you may create a profit with very little money, putting you on the path to greater profits in the future.
In most circumstances, the growth in value when it comes to options will range from 100 to 300 percent.
Much Better Payouts
When you purchase options instead of conventional shares, you may earn significantly more money than with other ways. Because you may pay a premium for options at any time, your earnings can be far higher.
Options are significantly more adaptable than most other types of passive stocks and shares available on the market. They also provide you the option of using several ways to invest your money in equities.
Serve as an Insurance
Options contracts may operate as a sort of insurance for your assets, preventing large losses. This may be accomplished by combining call and put options to protect your investment against a prospective decline in asset value.
Minimum Capital Loss
This benefit stems from the fact that you purchase the options at premium prices that are far lower than the asset's value. So, if the asset value falls dramatically, you only lose the amount you paid for the option, which is less than the amount you would lose if you bought normal shares.
To see some disadvantages of options please read the full article here: https://energimine.com/benefits-of-options-trading/
The post The Benefits Of Options Trading appeared first on https://gqcentral.co.uk


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I want to show you a few images that demonstrate the development of Nero and Brutus from "The Rescuers".
Milt Kahl was responsible for their character design, and I think they look great.
To get started Milt drew realistic studies of alligators , probably from photographs.
The written note on the first sheet makes me laugh. Apparently Milt didn't know the answer to that question, I wonder if he ever found out.
The next step would be to add personality, as you can see in the beautiful
marker sketches. Wonderful heavy and bulgy animatable forms and shapes.
As usual Milt did a lot of exploring in forms of thumbnails and layout sketches.
The following two animation drawings show, that Milt treated them as a
real menace. Very scary expression on the second one.
Here's what's interesting : Frank Thomas animated the two characters playing the organ, as they try to get to the mice who are hiding in the pipes.
Milt very much disagreed with the way this sequence was handled. He thought
Nero and Brutus act too clowny, and that they loose their menace.
You can see the sequence here :
Frank Thomas had a similar issue with Milt's Medusa, he thought that SHE looses
HER menace when she freaks out in front of the mice.
Interesting arguement.
If you ask me, I think ALL characters come off well.
The organ sequence is funny, but it also has scary parts with the two crocs acting as villains.
And Medusa doesn't loose her edge either, I think it's interesting when a villainess
shows a weakness.
So I think I am sort of disagreeing with both animators...lightning is about to hit me!
What do YOU think ?


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Agatsu Aikido De Montreal is a Martial Arts School offering Aikido classes in Montréal, Canada for kids, men and women. Agatsu Aikido De Montreal is Located at 7100, rue Sagard. If you are associated with this Dojo, please provide additional information such as class schedule, Website address etc. There is no cost.
View a Location Map, get Directions, Contact Agatsu Aikido De Montreal or view program details below.
If you are a student at this school, help your local Martial Arts Community by writing a Review of Agatsu Aikido De Montreal. You can also help your school by sharing it on Facebook, Twitter, Google+, Pinterest etc.


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Section Text
(a) Mutual Mortgage Insurance Fund (1) Establishment
Subject to the provisions of the Federal Credit Reform Act of 1990 [2 U.S.C. 661 et seq.], there is hereby created a Mutual Mortgage Insurance Fund (in this subchapter referred to as the "Fund"), which shall be used by the Secretary to carry out the provisions of this subchapter with respect to mortgages insured under section 1709 of this title. The Secretary may enter into commitments to guarantee, and may guarantee, such insured mortgages.
(2) Limit on loan guarantees
The authority of the Secretary to enter into commitments to guarantee such insured mortgages shall be effective for any fiscal year only to the extent that the aggregate original principal loan amount under such mortgages, any part of which is guaranteed, does not exceed the amount specified in appropriations Acts for such fiscal year.
(3) Fiduciary responsibility
The Secretary has a responsibility to ensure that the Mutual Mortgage Insurance Fund remains financially sound.
(4) Annual independent actuarial study
The Secretary shall provide for an independent actuarial study of the Fund to be conducted annually, which shall analyze the financial position of the Fund. The Secretary shall submit a report annually to the Congress describing the results of such study and assessing the financial status of the Fund. The report shall recommend adjustments to underwriting standards, program participation, or premiums, if necessary, to ensure that the Fund remains financially sound. The report shall also include an evaluation of the quality control procedures and accuracy of information utilized in the process of underwriting loans guaranteed by the Fund. Such evaluation shall include a review of the risk characteristics of loans based not only on borrower information and performance, but on risks associated with loans originated or funded by various entities or financial institutions.
(5) Quarterly reports
During each fiscal year, the Secretary shall submit a report to the Congress for each calendar quarter, which shall specify for mortgages that are obligations of the Fund—
(A) the cumulative volume of loan guarantee commitments that have been made during such fiscal year through the end of the quarter for which the report is submitted;
(B) the types of loans insured, categorized by risk;
(C) any significant changes between actual and projected claim and prepayment activity;
(D) projected versus actual loss rates; and
(E) updated projections of the annual subsidy rates to ensure that increases in risk to the Fund are identified and mitigated by adjustments to underwriting standards, program participation, or premiums, and the financial soundness of the Fund is maintained.
The first quarterly report under this paragraph shall be submitted on the last day of the first quarter of fiscal year 2008, or on the last day of the first full calendar quarter following July 30, 2008, whichever is later.
(6) Adjustment of premiums
If, pursuant to the independent actuarial study of the Fund required under paragraph (4), the Secretary determines that the Fund is not meeting the operational goals established under paragraph (7) or there is a substantial probability that the Fund will not maintain its established target subsidy rate, the Secretary may either make programmatic adjustments under this subchapter as necessary to reduce the risk to the Fund, or make appropriate premium adjustments.
(7) Operational goals
The operational goals for the Fund are—
(A) to minimize the default risk to the Fund and to homeowners by among other actions instituting fraud prevention quality control screening not later than 18 months after July 30, 2008; and
(B) to meet the housing needs of the borrowers that the single family mortgage insurance program under this subchapter is designed to serve.
(b) Advisory Board
There is created a Federal Housing Administration Advisory Board ("Board") that shall review operation of the Federal Housing Administration, including the activities of the Mortgagee Review Board, and shall provide advice to the Federal Housing Commissioner with respect to the formulation of general policies of the Federal Housing Administration and such other matters as the Federal Housing Commissioner may deem appropriate. The Advisory Board shall, in all other respects, be subject to the provisions of the Federal Advisory Committee Act.
(1) The Advisory Board shall be composed of 15 members to be appointed from among individuals who have substantial expertise and broad experience in housing and mortgage lending of whom—
(A) 9 shall be appointed by the Secretary;
(B) 3 shall be appointed by the Chairman and Ranking Minority Member of the Subcommittee on Housing and Urban Affairs of the Committee on Banking, Housing, and Urban Affairs of the Senate; and
(C) 3 shall be appointed by the Chairman and Ranking Minority Member of the Subcommittee on Housing and Community Development of the Committee on Banking, Finance and Urban Affairs of the House of Representatives.
(2) Membership on the Advisory Board shall include—
(A) not less than 4 persons with distinguished private sector careers in housing finance, lending, management, development or insurance;
(B) not less than 4 persons with outstanding reputations as licensed actuaries, experts in actuarial science, or economics related to housing;
(C) not less than 4 persons with backgrounds of leadership in representing the interests of housing consumers;
(D) not less than 1 person with significant experience and a distinguished reputation for work in the enforcement, advocacy, or development of fair housing or civil rights legislation; and
(E) not less than 1 person with a background of leadership representing rural housing interests.
(3) Members of the Advisory Board shall be selected to ensure, to the greatest extent practicable, geographical representation or every region of the country.
(4) Not more than 8 members of the Advisory Board may be from any one political party.
(5) Membership of the Advisory Board shall not include any person who, during the previous 24-month period, was required to register with the Secretary under section 3537b(c) 1 of title 42 or employed a person for purposes that required such person to so register.
(6) Of the members of the Advisory Board first appointed, 5 shall have terms of l year, and 5 shall have terms of 2 years. Their successors and all other appointees shall have terms of 3 years.
(7) The Advisory Board is empowered to confer with, request information of, and make recommendations to the Federal Housing Commissioner. The Commissioner shall promptly provide the Advisory Board with such information as the Board determines to be necessary to carry out its review of the activities and policies of the Federal Housing Administration.
(8) The Board shall, not later than December 31 of each year, submit to the Secretary and the Congress a report of its assessment of the activities of the Federal Housing Administration, including the soundness of underwriting procedures, the adequacy of information systems, the appropriateness of staffing patterns, the effectiveness of the Mortgagee Review Board, and other matters related to the Federal Housing Administration's ability to serve the nation's homebuyers and renters. Such report shall contain the Board's recommendations for improvement and include any minority views.
(9) The Board shall meet in Washington, D.C., not less than twice annually, or more frequently if requested by the Federal Housing Commissioner or a majority of the members. The Board shall elect a chair, vice-chair and secretary and adopt methods of procedure. The Board may establish committees and subcommittees as needed.
(10) Subject to the provisions of Section 7 of the Federal Advisory Committee Act, all members of the Board may be compensated and shall be entitled to reimbursement from the Department for traveling expenses incurred in attendance at meetings of the Board.
(11) The Board shall terminate on January 1, 1995.
(c) Mortgagee Review Board (1) Establishment
There is established within the Federal Housing Administration the Mortgagee Review Board ("Board"). The Board is empowered to initiate the issuance of a letter of reprimand, the probation, suspension or withdrawal of any mortgagee found to be engaging in activities in violation of Federal Housing Administration requirements or the nondiscrimination requirements of the Equal Credit Opportunity Act [15 U.S.C. 1691 et seq.], the Fair Housing Act [42 U.S.C. 3601 et seq.], or Executive Order 11063.
(2) Composition
The Board shall consist of—
(A) the Assistant Secretary of Housing/Federal Housing Commissioner;
(B) the General Counsel of the Department;
(C) the President of the Government National Mortgage Association;
(D) the Assistant Secretary for Administration;
(E) the Assistant Secretary for Fair Housing Enforcement (in cases involving violations of nondiscrimination requirements); and
(F) the Chief Financial Officer of the Department or their designees.
(3) Actions authorized
When any report, audit, investigation, or other information before the Board discloses that a basis for an administrative action against a mortgagee exists, the Board shall take one of the following administrative actions:
(A) Letter of reprimand
The Board may issue a letter of reprimand only once to a mortgagee without taking action under subparagraphs 2 (B), (C), or (D) of this section. A letter of reprimand shall explain the violation and describe actions the mortgagee should take to correct the violation.
(B) Probation
The Board may place a mortgagee on probation for a specified period of time not to exceed 6 months for the purpose of evaluating the mortgagee's compliance with Federal Housing Administration requirements, the Equal Credit Opportunity Act [15 U.S.C. 1691 et seq.], the Fair Housing Act [42 U.S.C. 3601 et seq.], Executive Order 11063, or orders of the Board. During the probation period, the Board may impose reasonable additional requirements on a mortgagee including supervision of the mortgagee's activities by the Federal Housing Administration, periodic reporting to the Federal Housing Commissioner, or submission to Federal Housing Administration audits of internal financial statements, audits by an independent certified public accountant or other audits.
(C) Suspension
The Board may issue an order temporarily suspending a mortgagee's approval for doing business with the Federal Housing Administration if (i) there exists adequate evidence of a violation or violations and (ii) continuation of the mortgagee's approval, pending or at the completion of any audit, investigation, or other review, or such administrative or other legal proceedings as may ensue, would not be in the public interest or in the best interests of the Department. Notwithstanding paragraph (4)(A), a suspension shall be effective upon issuance by the Board if the Board determines that there exists adequate evidence that immediate action is required to protect the financial interests of the Department or the public. A suspension shall last for not less than 6 months, and for not longer than 1 year. The Board may extend the suspension for an additional 6 months if it determines the extension is in the public interest. If the Board and the mortgagee agree, these time limits may be extended. During the period of suspension, the Federal Housing Administration shall not commit to insure any mortgage originated by the suspended mortgagee.
(D) Withdrawal
The Board may issue an order withdrawing a mortgagee if the Board has made a determination of a serious violation or repeated violations by the mortgagee. The Board shall determine the terms of such withdrawal, but the term shall be not less than 1 year. Where the Board has determined that the violation is egregious or willful, the withdrawal shall be permanent.
(E) Settlements
The Board may at any time enter into a settlement agreement with a mortgagee to resolve any outstanding grounds for an action. Agreements may include provisions such as—
(i) cessation of any violation;
(ii) correction or mitigation of the effects of any violation;
(iii) repayment of any sums of money wrongfully or incorrectly paid to the mortgagee by a mortgagor, by a seller or by the Federal Housing Administration;
(iv) actions to collect sums of money wrongfully or incorrectly paid by the mortgagee to a third party;
(v) indemnification of the Federal Housing Administration for mortgage insurance claims on mortgages originated in violation of Federal Housing Administration requirements;
(vi) modification of the length of the penalty imposed; or
(vii) implementation of other corrective measures acceptable to the Secretary.
Material failure to comply with the provisions of a settlement agreement shall be sufficient cause for suspension or withdrawal.
(4) Notice and hearing
(A) The Board shall issue a written notice to the mortgagee at least 30 days prior to taking any action against the mortgagee under subparagraph (B), (C), or (D) of paragraph (3). The notice shall state the specific violations which have been alleged, and shall direct the mortgagee to reply in writing to the Board within 30 days. If the mortgagee fails to reply during such period, the Board may make a determination without considering any comments of the mortgagee.
(B) If the Board takes action against a mortgagee under subparagraph (B), (C), or (D) of paragraph (3), the Board shall promptly notify the mortgagee in writing of the nature, duration, and specific reasons for the action. If, within 30 days of receiving the notice, the mortgagee requests a hearing, the Board shall hold a hearing on the record regarding the violations within 30 days of receiving the request. If a mortgagee fails to request a hearing within such 30-day period, the right of the mortgagee to a hearing shall be considered waived.
(C) In any case in which the notification of the Board does not result in a hearing (including any settlement by the Board and a mortgagee), any information regarding the nature of the violation and the resolution of the action shall be available to the public.
(5) Publication
The Secretary shall establish and publish in the Federal Register a description of and the cause for administrative action against a mortgagee.
(6) Cease-and-desist orders
(A) Whenever the Secretary, upon request of the Mortgagee Review Board, determines that there is reasonable cause to believe that a mortgagee is violating, has violated, or is about to violate, a law, rule or regulation or any condition imposed in writing by the Secretary or the Board, and that such violation could result in significant cost to the Federal Government or the public, the Secretary may issue a temporary order requiring the mortgagee to cease and desist from any such violation and to take affirmative action to prevent such violation or a continuation of such violation pending completion of proceedings of the Board with respect to such violation. Such order shall include a notice of charges in respect thereof and shall become effective upon service to the mortgagee. Such order shall remain effective and enforceable for a period not to exceed 30 days pending the completion of proceedings of the Board with respect to such violation, unless such order is set aside, limited, or suspended by a court in proceedings authorized by subparagraph (B) of this paragraph. The Board shall provide the mortgagee an opportunity for a hearing on the record, as soon as practicable but not later than 20 days after the temporary cease-and-desist order has been served.
(B) Within 10 days after the mortgagee has been served with a temporary cease-and-desist order, the mortgagee may apply to the United States district court for the judicial district in which the home office of the mortgagee is located, or the United States District Court for the District of Columbia, for an injunction setting aside, limiting of suspending the enforcement, operation, or effectiveness of such order pending the completion of the administrative proceedings pursuant to the notice of charges served upon the mortgagee, and such court shall have jurisdiction to issue such injunction.
(C) In the case of violation or threatened violation of, or failure to obey, a temporary cease-and-desist order issued pursuant to this paragraph, the Secretary may apply to the United States district court, or the United States court of any territory, within the jurisdiction of which the home office of the mortgagee is located, for an injunction to enforce such order, and, if the court shall determine that there has been such violation or threatened violation or failure to obey, it shall be the duty of the court to issue such injunction.
(7) "Mortgagee" defined
For purposes of this subsection, the term "mortgagee" means—
(A) a mortgagee approved under this chapter;
(B) a lender or a loan correspondent approved under subchapter I of this chapter;
(C) a branch office or subsidiary of the mortgagee, lender, or loan correspondent; or
(D) a director, officer, employee, agent, or other person participating in the conduct of the affairs of the mortgagee, lender, or loan correspondent.
(8) Report required
The Board, in consultation with the Federal Housing Administration Advisory Board, shall annually recommend to the Secretary such amendments to statute or regulation as the Board determines to be appropriate to ensure the long term financial strength of the Federal Housing Administration fund and the adequate support for home mortgage credit.
(9) Prohibition against limitations on Mortgagee Review Board's power to take action against mortgagees
No State or local law, and no Federal law (except a Federal law enacted expressly in limitation of this subsection after the effective date of this sentence), shall preclude or limit the exercise by the Board of its power to take any action authorized under paragraphs (3) and (6) of this subsection against any mortgagee.
(d) Limitations on participation in origination and mortgagee approval (1) Requirement
Any person or entity that is not approved by the Secretary to serve as a mortgagee, as such term is defined in subsection (c)(7), shall not participate in the origination of an FHA-insured loan except as authorized by the Secretary.
(2) Eligibility for approval
In order to be eligible for approval by the Secretary, an applicant mortgagee shall not be, and shall not have any officer, partner, director, principal, manager, supervisor, loan processor, loan underwriter, or loan originator of the applicant mortgagee who is—
(A) currently suspended, debarred, under a limited denial of participation (LDP), or otherwise restricted under part 25 of title 24 of the Code of Federal Regulations, 2 Code of Federal Regulations, part 180 as implemented by part 2424, or any successor regulations to such parts, or under similar provisions of any other Federal agency;
(B) under indictment for, or has been convicted of, an offense that reflects adversely upon the applicant's integrity, competence or fitness to meet the responsibilities of an approved mortgagee;
(C) subject to unresolved findings contained in a Department of Housing and Urban Development or other governmental audit, investigation, or review;
(D) engaged in business practices that do not conform to generally accepted practices of prudent mortgagees or that demonstrate irresponsibility;
(E) convicted of, or who has pled guilty or nolo contendre 3 to, a felony related to participation in the real estate or mortgage loan industry—
(i) during the 7-year period preceding the date of the application for licensing and registration; or
(ii) at any time preceding such date of application, if such felony involved an act of fraud, dishonesty, or a breach of trust, or money laundering;
(F) in violation of provisions of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5101 et seq.) or any applicable provision of State law; or
(G) in violation of any other requirement as established by the Secretary.
(3) Rulemaking and implementation
The Secretary shall conduct a rulemaking to carry out this subsection. The Secretary shall implement this subsection not later than the expiration of the 60-day period beginning upon May 20, 2009, by notice, mortgagee letter, or interim final regulations, which shall take effect upon issuance.
(e) Coordination of GNMA and FHA withdrawal action
(1) Whenever the Federal Housing Administration or Government National Mortgage Association initiates proceedings that could lead to withdrawing the mortgagee from participating in the program, the initiating agency shall—
(A) within 24 hours notify the other agency in writing of the action taken;
(B) provide to the other agency the factual basis for the action taken; and
(C) if a mortgagee is withdrawn, publish its decision in the Federal Register.
(2) Within 60 days of receipt of a notification of action that could lead to withdrawal under subsection 4 (1), the Federal Housing Administration or the Government National Mortgage Association shall—
(A) conduct and complete its own investigation;
(B) provide written notification to the other agency of its decision, including the factual basis for its decision; and
(C) if a mortgagee is withdrawn, publish its decision in the Federal Register.
(f) Suspension or revocation of approval of mortgagee; notice and statement of reasons
Whenever the Secretary has taken any discretionary action to suspend or revoke the approval of any mortgagee to participate in any mortgage insurance program under this subchapter, the Secretary shall provide prompt notice of the action and a statement of the reasons for the action to—
(1) the Secretary of Veterans Affairs;
(2) the chief executive officer of the Federal National Mortgage Association;
(3) the chief executive officer of the Federal Home Loan Mortgage Corporation;
(4) the Secretary of Agriculture;
(5) if the mortgagee is a national bank, a subsidiary or affiliate of such bank, a Federal savings association or a subsidiary or affiliate of a savings association, the Comptroller of the Currency;
(6) if the mortgagee is a State bank that is a member of the Federal Reserve System or a subsidiary or affiliate of such a bank, or a bank holding company or a subsidiary or affiliate of such a company, the Board of Governors of the Federal Reserve System; and
(7) if the mortgagee is a State bank or State savings association that is not a member of the Federal Reserve System or is a subsidiary or affiliate of such a bank, the Board of Directors of the Federal Deposit Insurance Corporation.
(g) Appraisal standards
(1) The Secretary shall prescribe standards for the appraisal of all property to be insured by the Federal Housing Administration. Such appraisals shall be performed in accordance with uniform standards, by individuals who have demonstrated competence and whose professional conduct is subject to effective supervision. These standards shall require at a minimum—
(A) that the appraisals of properties to be insured by the Federal Housing Administration shall be performed in accordance with generally accepted appraisal standards, such as the appraisal standards promulgated by the Appraisal Foundation a not-for-profit corporation established on November 30, 1987 under the laws of Illinois; and
(B) that each appraisal be a written statement used in connection with a real estate transaction that is independently an 5 impartially prepared by a licensed or certified appraiser setting forth an opinion of defined value of an adequately described property as of a specific date, supported by presentation and analysis of relevant market information.
(2) The Appraisal Subcommittee of the Federal Financial Institutions Examination Council shall include the Secretary or his designee.
(3) Direct Endorsement Program.—
(A) Any mortgagee that is authorized by the Secretary to process mortgages as a direct endorsement mortgagee (pursuant to the single-family home mortgage direct endorsement program established by the Secretary) may contract with an appraiser chosen at the discretion of the mortgagee for the performance of appraisals in connection with such mortgages. Such appraisers may include appraisal companies organized as corporations, partnerships, or sole proprietorships.
(B) Any appraisal conducted pursuant to subparagraph (A) shall be conducted by an individual who complies with the qualifications or standards for appraisers established by the Secretary pursuant to this subsection.
(C) In conducting an appraisal, such individual may utilize the assistance of others, who shall be under the direct supervision of the individual responsible for the appraisal. The individual responsible for the appraisal shall personally approve and sign any appraisal report.
(4) Fee Panel Appraisers.—
(A) Any individual who is an employee of an appraisal company (including any company organized as a corporation, partnership, or sole proprietorship) and who meets the qualifications or standards for appraisers and inclusion on appraiser fee panels established by the Secretary, shall be eligible for assignment to conduct appraisals for mortgages under this subchapter in the same manner and on the same basis as other approved appraisers.
(B) With respect to any employee of an appraisal company described in subparagraph (A) who is offered an appraisal assignment in connection with a mortgage under this subchapter, the person utilizing the appraiser may contract directly with the appraisal company employing the appraiser for the furnishing of the appraisal services.
(5) Additional appraiser standards.—Beginning on July 30, 2008, any appraiser chosen or approved to conduct appraisals for mortgages under this subchapter shall—
(A) be certified—
(i) by the State in which the property to be appraised is located; or
(ii) by a nationally recognized professional appraisal organization; and
(B) have demonstrated verifiable education in the appraisal requirements established by the Federal Housing Administration under this subsection.
(h) Use of name
The Secretary shall, by regulation, require each mortgagee approved by the Secretary for participation in the FHA mortgage insurance programs of the Secretary—
(1) to use the business name of the mortgagee that is registered with the Secretary in connection with such approval in all advertisements and promotional materials, as such terms are defined by the Secretary, relating to the business of such mortgagee in such mortgage insurance programs; and
(2) to maintain copies of all such advertisements and promotional materials, in such form and for such period as the Secretary requires.
Editorial Notes
REFERENCES IN TEXT The Federal Credit Reform Act of 1990, referred to in subsec. (a)(1), is title V of Pub. L. 93–344, as added by Pub. L. 101–508, title XIII, §13201(a), Nov. 5, 1990, 104 Stat. 1388–609, which is classified generally to subchapter III (§661 et seq.) of chapter 17A of Title 2, The Congress. For complete classification of this Act to the Code, see Short Title note set out under section 621 of Title 2 and Tables. The Federal Advisory Committee Act, referred to in subsec. (b), is Pub. L. 92–463, Oct. 6, 1972, 86 Stat. 770, which is set out in the Appendix to Title 5, Government Organization and Employees. Section 3537b(c) of title 42, referred to in subsec. (b)(5), was in the original "section 112(c) of the Department of Housing and Urban Development Reform Act of 1989", meaning section 112 of Pub. L. 101–235, which does not contain a subsec. (c), but enacted section 13 of the Department of Housing and Urban Development Act, which was classified to section 3537b of title 42 prior to repeal by Pub. L. 104–65, §11(b)(1), Dec. 19, 1995, 109 Stat. 701, and which contained a subsec. (c) relating to registration with the Secretary. The Equal Credit Opportunity Act, referred to in subsec. (c)(1), (3)(B), is title VII of Pub. L. 90–321, as added by Pub. L. 93–495, title V, §503, Oct. 28, 1974, 88 Stat. 1521, which is classified generally to subchapter IV (§1691 et seq.) of chapter 41 of Title 15, Commerce and Trade. For complete classification of this Act to the Code, see Short Title note set out under section 1601 of Title 15 and Tables. The Fair Housing Act, referred to in subsec. (c)(1), (3)(B), is title VIII of Pub. L. 90–284, Apr. 11, 1968, 82 Stat. 81, which is classified principally to subchapter I (§3601 et seq.) of chapter 45 of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under section 3601 of Title 42 and Tables. Executive Order 11063, referred to in subsec. (c)(1), (3)(B), is set out as a note under section 1982 of Title 42. This chapter, referred to in subsec. (c)(7)(A), was in the original "this Act", meaning act June 27, 1934, ch. 847, 48 Stat. 1246, which is classified principally to this chapter (§1701 et seq.). For complete classification of this Act to the Code, see Tables. The effective date of this sentence, referred to in subsec. (c)(9), is the date of enactment of Pub. L. 111–22, which enacted par. (9) and was approved May 20, 2009. The S.A.F.E. Mortgage Licensing Act of 2008, referred to in subsec. (d)(2)(F), is title V of div. A of Pub. L. 110–289, July 30, 2008, 122 Stat. 2810, also known as the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, which is classified generally to chapter 51 (§5101 et seq.) of this title. For complete classification of this Act to the Code, see Short Title note set out under section 5101 of this title and Tables.CODIFICATION Section 1709(s) of this title, which was transferred and redesignated as subsec. (e) of this section by Pub. L. 110–289, div. B, title I, §2116(3), July 30, 2008, 122 Stat. 2832, was based on act June 27, 1934, ch. 847, title II, §203(s), as added Pub. L. 101–235, title I, §135, Dec. 15, 1989, 103 Stat. 2028; amended Pub. L. 108–386, §8(b), Oct. 30, 2004, 118 Stat. 2231; Pub. L. 110–289, div. B, title I, §2116(2), July 30, 2008, 122 Stat. 2832.AMENDMENTS 2010—Subsec. (f)(5). Pub. L. 111–203, §373(1), added par. (5) and struck out former par. (5) which read as follows: "if the mortgagee is a national bank, or a subsidiary or affiliate of such a bank, the Comptroller of the Currency;". Subsec. (f)(6). Pub. L. 111–203, §373(2), inserted "and" at end. Subsec. (f)(7). Pub. L. 111–203, §373(3), inserted "or State savings association" after "State bank" and substituted period for "; and" at end. Subsec. (f)(8). Pub. L. 111–203, §373(4), struck out par. (8) which read as follows: "if the mortgagee is a Federal or State savings association or a subsidiary or affiliate of a savings association, the Director of the Office of Thrift Supervision." 2009—Subsec. (c)(2)(E). Pub. L. 111–22, §203(a)(1)(A), inserted "and" after semicolon at end. Subsec. (c)(2)(F). Pub. L. 111–22, §203(a)(1)(B), substituted "or their designees." for "; and". Subsec. (c)(2)(G). Pub. L. 111–22, §203(a)(1)(C), struck out subpar. (G), which read as follows: "the Director of the Enforcement Center; or their designees." Subsec. (c)(9). Pub. L. 111–22, §203(a)(2), added par. (9). Subsecs. (d) to (g). Pub. L. 111–22, §203(b)(1), (2), added subsec. (d) and redesignated former subsecs. (d) to (f) as (e) to (g), respectively. Subsec. (h). Pub. L. 111–22, §203(b)(3), added subsec. (h). 2008—Subsec. (a). Pub. L. 110–289, §2118(a), amended subsec. (a) generally. Prior to amendment, text read as follows: "There is created a Mutual Mortgage Insurance Fund (hereinafter referred to as the 'Fund'), which shall be used by the Secretary as a revolving fund for carrying out the provisions of this subchapter with respect to mortgages insured under section 1709 of this title as hereinafter provided, and there shall be allocated immediately to such Fund the sum of $10,000,000 out of funds made available to the Secretary for the purposes of this subchapter." Subsec. (e). Pub. L. 110–289, §2116(3), transferred subsec. (s) of section 1709 of this title and redesignated it as subsec. (e) of this section. See Codification note above. Former subsec. (e) redesignated (f). Subsec. (e)(3)(B). Pub. L. 110–289, §2116(1)(A), made technical amendment to reference in original act which appears in text as reference to "this subsection". Subsec. (e)(5). Pub. L. 110–289, §1404, added par. (5). Subsec. (f). Pub. L. 110–289, §2116(1)(B), redesignated subsec. (e) as (f). 2000—Subsec. (c)(2)(E). Pub. L. 106–377, §1(a)(1) [title II, §209(c)(1)], struck out "and" at end. Subsec. (c)(2)(F). Pub. L. 106–377, §1(a)(1) [title II, §209(c)(2)], which directed substitution of "and" for "or their designees.", was executed by inserting "and" after semicolon to reflect the probable intent of Congress, because the phrase "or their designees." appeared at end of par. (2) and did not appear in subpar. (F). Subsec. (c)(2)(G). Pub. L. 106–377, §1(a)(1) [title II, §209(c)(3)], added subpar. (G). 1997—Subsec. (c)(3)(C). Pub. L. 105–65 inserted after first sentence "Notwithstanding paragraph (4)(A), a suspension shall be effective upon issuance by the Board if the Board determines that there exists adequate evidence that immediate action is required to protect the financial interests of the Department or the public." 1992—Subsec. (b)(11). Pub. L. 102–550, §502, added par. (11). Subsec. (c)(3)(C). Pub. L. 102–550, §518, inserted "temporarily" after "order", "(i)" after "Administration if", "(ii)" after "violations and", and ", and for not longer than 1 year. The Board may extend the suspension for an additional 6 months if it determines the extension is in the public interest. If the Board and the mortgagee agree, these time limits may be extended" after "6 months". Subsec. (c)(6)(D). Pub. L. 102–550, §519(1), struck out subpar. (D) which read as follows: "For purposes of this paragraph, the term 'mortgagee' means a mortgagee, a branch office or subsidiary of a mortgagee, or a director, officer, employee, agent, or other person participating in the conduct of the affairs of such mortgagee." Subsec. (c)(7), (8). Pub. L. 102–550, §519(2), added par. (7) and redesignated former par. (7) as (8). 1990—Subsec. (e)(3), (4). Pub. L. 101–625 added pars. (3) and (4). 1989—Pub. L. 101–235 substituted "Federal Housing Administration operations" for "Mutual Mortgage Insurance Fund" in section catchline, designated existing provisions as subsec. (a) and inserted heading, and added subsecs. (b) to (e). 1967—Pub. L. 90–19 substituted "Secretary" for "Commissioner" wherever appearing. 1950—Act Apr. 20, 1950, substituted "Commissioner" for "Administrator" wherever appearing. 1939—Act June 3, 1939, substituted "created" for "create". 1938—Act Feb. 3, 1938, inserted "with respect to mortgages insured under section 1709 of this title".CHANGE OF NAME Committee on Banking, Finance and Urban Affairs of House of Representatives treated as referring to Committee on Banking and Financial Services of House of Representatives by section 1(a) of Pub. L. 104–14, set out as a note preceding section 21 of Title 2, The Congress. Committee on Banking and Financial Services of House of Representatives abolished and replaced by Committee on Financial Services of House of Representatives, and jurisdiction over matters relating to securities and exchanges and insurance generally transferred from Committee on Energy and Commerce of House of Representatives by House Resolution No. 5, One Hundred Seventh Congress, Jan. 3, 2001.EFFECTIVE DATE OF 2010 AMENDMENT Amendment by Pub. L. 111–203 effective on the transfer date, see section 351 of Pub. L. 111–203, set out as a note under section 906 of Title 2, The Congress.EXPANDED REVIEW OF FHA MORTGAGEE APPLICANTS AND NEWLY APPROVED MORTGAGEES Pub. L. 111–22, div. A, title II, §203(g), May 20, 2009, 123 Stat. 1648, provided that: "Not later than the expiration of the 3-month period beginning upon the date of the enactment of this Act [May 20, 2009], the Secretary of Housing and Urban Development shall— "(1) expand the existing process for reviewing new applicants for approval for participation in the mortgage insurance programs of the Secretary for mortgages on 1- to 4-family residences for the purpose of identifying applicants who represent a high risk to the Mutual Mortgage Insurance Fund; and "(2) implement procedures that, for mortgagees approved during the 12-month period ending upon such date of enactment— "(A) expand the number of mortgages originated by such mortgagees that are reviewed for compliance with applicable laws, regulations, and policies; and "(B) include a process for random reviews of such mortgagees and a process for reviews that is based on volume of mortgages originated by such mortgagees."