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WELLS FARGO USURY EXAMINES DANGERS OF TO BIG TOO FAIL BANKS Why Tax Deductible Fines Fail To Stop Fraud Money Laundering And Deception In Banking Business

“Wells Fargo Usury” was created on September 1, 2013 by the Maverick Artist Victor-Hugo Vaca II. Wall Street banks made billions on securitized subprime mortgages. When the bubble burst 99% of the world population was negatively impacted by the ripple effects. The main culprits have escaped punishment, not one top executive-level banker has been personally punished or lost their job. Tax deductible fines are levied against banks for criminal acts, not prosecutions. The lesson learned is, crime pays for the 1%.

VOODOO ECONOMICS

While lame stream media distracts people by feeding them bread and circus, disguised as news and information, banks labeled, “too-big-to-fail”, are stealing money from customers with impunity, because they can.

Banks steal billions of dollars but only pay millions in fines that are usually tax deductible. So the lesson learned is: crime pays, if you are a corporate entity protected by a corrupt, “pay for play”, government.

BANKS ARE ABOVE THE LAW: TOO-BIG-TO FAIL MEANS TOO-BIG-TO-JAIL AND THAT TRANSLATES INTO FISCAL ANARCHY THAT ENABLES ECONOMIC TERRORISM.

Wells Fargo, the largest mortgage lender in the United States, admitted to deceiving the U.S. government into insuring thousands of risky mortgages and agreed to pay $1.2 billion to put to rest claims that it engaged in reckless lending under a Federal Housing Administration program that left a taxpayer subsidized, government insurance fund to clean up the mess.

Wells Fargo engaged in a reckless trifecta of poor training, deficient loan underwriting and poor disclosure in the government-backed loan program.

ECONOMIC TERRORISM DEFINED IN MODERN-ART-GONZO-JOURNALISM.

Wells Fargo was fined $3.6 million because the bank acted illegally by charging on-time payers with late fees, failed to inform borrowers of steps they could take to minimize fees and left credit report errors uncorrected, which resulted in some misled student loan borrowers paying unnecessary fees.

“Wells Fargo hit borrowers with illegal fees and deprived others of critical information needed to effectively manage their student loan accounts. Consumers should be able to rely on their servicer to process and credit payments correctly and to provide accurate and timely information.”- Richard Cordray, Director Of Consumer Financial Protection Bureau.

CONTEMPORARY ART MEME

The Consumer Financial Protection Bureau assessed nearly $36 million in penalties against Wells Fargo for the banks’ role in a “mortgage kickback” scheme. The financial regulator charged Wells Fargo bank employees with entering into an illegal arrangement with a now-defunct Maryland mortgage title company, under which the title company gave cash, marketing materials and consumer information in exchange for bank business. The CFPB determined in its investigation that more than 100 Wells Fargo loan officers in Maryland and Virginia entered into the illegal arrangement,

“These banks allowed their loan officers to focus on their own illegal financial gain rather than on treating consumers fairly.” – Richard Cordray, Consumer Financial Protection Bureau Director.

CONTEMPORARY ART MEME

Wells Fargo was fined $81.6 million for failing to provide bankrupt homeowners with legally required notices of mortgage payment increases which denied homeowners the opportunity to challenge the accuracy of mortgage payment increases. By failing to properly notify homeowners, Wells Fargo violated federal bankruptcy rules that took effect in December 2011 that imposed more detailed disclosure requirements to ensure proper accounting of fees and charges on homeowners in bankruptcy.

CONTEMPORARY ART MEME

Wells Fargo, agreed to pay $85 million to settle charges that it falsified loan documents of its borrowers and pushed borrowers into higher interest subprime mortgages even though they qualified for a mortgage with lower interest rates. Over 10,000 borrowers were steered into more expensive subprime mortgages with higher interest rates or had their loan paperwork falsified by Wells Fargo personnel. Wells Fargo personnel were driven to the fraudulent activity in order to meet their company goals required for consideration to receive bonuses.

CONTEMPORARY ART MEME

Wells Fargo agreed to pay a $70 million penalty to settle legal claims over improper activity including the robo-signing of foreclosure documents, faulty payment-change notices filed in bankruptcy courts and faulty escrow calculations. Wells Fargo employees acted as robo-signers to speed up the foreclosure process with falsified or inadequate underlying documentation.

CONTEMPORARY ART MEME

“One would assume the most valuable tool for an artist is in his hands, in reality, however, it is the mind of the artist which serves to create.”- Maverick Artist Victor-Hugo Vaca II

MAVERICK ARTIST VICTOR-HUGO VACA II

UNITED STATES NAVAL ACADEMY ALUMNI BARNABY RUHE PAINTS PORTRAIT OF FELLOW USNA ARTIST VICTOR HUGO VACA II AT LEGENDARY GLOBAL WARMING ART REPORT LILY HATCHETT EVENT.

LILY HATCHETT INVITED THE MAVERICK ARTIST VICTOR-HUGO VACA II TO MANIFEST MODERN ART MUSIC MOVEMENT HAPPENINGS, CAPTURED ON FILM, THAT CREATED WORKS OF FINE ART GRAFFITI, ON CANVAS.

Lily Hatchett invited former United States Naval Academy (USNA) Midshipmen Officers, Barnaby Ruhe and Maverick Artist Victor-Hugo Vaca II to create works of art at the legendary, live-action multimedia art event featuring performance art, live bands, dance, fashion, video presentations, and DJ’s for a spectacular, marathon party and Modern Art Music Movement™ Happening, in Fort Myers, Florida, inside the historic, Sidney and Berne Davis Art Center, lasting two days and nights.

MAVERICK ARTIST VICTOR-HUGO VACA II POSES FOR PORTRAIT BY BARNABY RUHE.

USNA Midshipmen Officers are taught to persevere in the face of extreme obstacles and severe impediments; important skills in the war of business, art creation and marketing strategies.

MIDSHIPMAN OFFICER VICTOR-HUGO VACA II LEADING THE 26TH PLATOON AT THE UNITED STATES NAVAL ACADEMY IN ANNAPOLIS, MARYLAND.

The Modern Art Music Movement™ Happening evolved organically, within the Hatchett Production, manifesting the largest work of art ever created by the Maverick Artist Victor-Hugo Vaca II on canvas, a triptych titled, “Ronald Reagan and His Monkey”. The colossal work of art has appeared in music videos and television show backdrops but has not been displayed in public since the event, due, in part, to its considerable size and the necessity of a spacious venue for proper exhibition.

MODERN ART MUSIC MOVEMENT: DAVID HATCHETT, MAVERICK ARTIST VICTOR-HUGO VACA II, LADY JANE, CONNIE BOTTINELLI AND LILY HATCHETT IN FRONT OF MASSIVE, “RONALD REAGAN AND HIS MONKEY”, TRIPTYCH.

Barnaby Ruhe received his doctorate in shamanism and art practice, an interdisciplinary effort combining psychology, anthropology, art history, phenomenology and art studio action.

UNITED STATES NAVAL ACADEMY ALUMNI, BARNABY RUHE, PAINTS MAVERICK ARTIST VICTOR-HUGO VACA II AT THE GLOBAL WARMING ART REPORT PARTY.

World Famous Leadership Laboratory Produces Presidents, CEO’s, Artists And Modern-Art-Gonzo-Journalists.

The U.S. Naval Academy was established in 1845. The mission of the USNA is “To develop Midshipmen morally, mentally and physically.” The campus, known as “The Yard,” is a National Historic Landmark, 33 miles from Washington, D.C. and 30 miles from Baltimore. USNA students must have a congressional or presidential nomination to apply.

The U.S. Naval Academy provides a demanding four-year program leading to a Bachelor of Science degree and a commission as an Ensign in the United States Navy, or as a Second Lieutenant in the United States Marine Corps.

It is not exaggeration to describe USNA Midshipman Officers, graduates and veterans as loyal, trustworthy and hardworking furthermore, they are not only great leaders but great followers as well, because Midshipman are taught, to both lead and follow, by example.

UNITED STATES NAVAL ACADEMY MIDSHIPMAN OFFICER VICTOR-HUGO VACA II

“The academies naturally foster the ability to get along with your fellow man, primarily because you live so close together. You have to be able to relate to senior officers, to peers, and people under you. It’s imperative. This is directly transferable to business.” – James Kinnear, Naval Academy Alumni and CEO of Texaco.

BEFORE ENTERING THE U.S. NAVAL ACADEMY, MAVERICK ARTIST VICTOR-HUGO VACA II, (BOTTOM LEFT) COMPLETED RIGOROUS LEADERSHIP AND SURVIVAL TRAINING, AT THE NEWPORT NAVAL BASE, IN RHODE ISLAND, WHERE HE WAS PART OF THE TRIUMPHANT, NAVAL ACADEMY PREP SCHOOL SWIM TEAM.

Barnaby Ruhe graduated from the U.S. Naval Academy in 1968. He was senior editor of Art/World newspaper in the 1980s and ’90s and wrote the first New York City reviews of work by Francesco Clemente and the Starn Twins, as well as essays on Francisco de Goya, Henri Matisse, Andy Warhol and Joseph Beuys.

USNA ALUMNI, BARNABY RUHE, SERVES ON THE BOARD OF, “ARTISTS TALK ON ART”, AND IS A SIX-TIME, WORLD BOOMERANG CHAMPION.

Barnaby Ruhe, is a romantic artist, who incorporates; sentiment, gesture and psychic journeying into his paintings. He runs shaman healing workshops at the Burning Man festival, each summer, inside the Shamandome Camp.

“MAVERICK ARTIST VICTOR-HUGO VACA II PORTRAIT” BY BARNABY RUHE.

Barnaby Ruhe is best known for his marathon, portrait-painting sessions, like the one in January of 2009, wherein he painted fellow United States Naval Academy trained Artist, Victor-Hugo Vaca II, in Fort Myers, Florida, at Lily Hatchett’s extraordinary two-day, “Global Warming Art Report Party”.

BARNABY RUHE PORTRAIT PAINTING MARATHON WITH “RONALD REAGAN AND HIS MONKEY”, BY MAVERICK ARTIST VICTOR-HUGO VACA II, IN BACKGROUND OF PORTRAITS.

“Ronald Reagan And His Monkey” by Maverick Artist Victor-Hugo Vaca II, combined spirit and mood while reflecting all the dance, drama, satire and media that transpired over forty-eight hours of non-stop, magic moments, at “The Global Warming Art Report Party”, encapsulating the zeitgeist into a massive, triptych painting, measuring over twelve feet tall and fifteen feet long, in one explosive marathon moment on canvas.

DETAIL FROM, “RONALD REAGAN AND HIS MONKEY”, FINE ART GRAFFITI TRIPTYCH, BY VICTOR-HUGO VACA II.

In 1975 Barnaby Ruhe earned an M.F.A. from Maryland Institute College of Art and in 1989 he procured a Ph.D. from New York University. He is a professor at New York University’s (NYU) Gallatin School Of Individualized Study.

NAVAL ACADEMY ALUMNI, ARTIST, PROFESSOR AND SHAMAN, BARNABY RUHE IN MIDST OF PORTRAIT PAINTING MARATHON.

The U.S. Naval Academy is one of the nation’s best business schools, producing highly skilled individuals prepared for the battles that comprise the war of business.

Since World War II, America’s military academies have produced 1,531 corporate CEOs, 2,012 corporate presidents, over 5,000 vice presidents and thousands of small-company entrepreneurs.

The U.S. Naval Academy training includes life-long lessons in honor, teamwork, and discipline that cannot be duplicated at civilian universities or MBA programs.

AS PART OF THE USNA PREP SCHOOL TENNIS TEAM, THE MAVERICK ARTIST VICTOR-HUGO VACA II, (BOTTOM LEFT) LEARNED THE IMPORTANCE OF HONOR, ETHICS AND INTEGRITY IN CHARACTER BUILDING.

Lily Hatchett, producer of “The Global Warming Art Report Party”, also graduated from the Maryland Institute College of Art, like Barnaby Ruhe, and she was the official cross-country, documentarian for the Warped Tour, Hothouse Flowers, Fishbone and Ringo Starr & The All Star Band.

ARTISTS DAVID HATCHETT, VICTOR-HUGO VACA II, LADY JANE, CONNIE BOTTINELLI AND LILY HATCHETT.

Lily Hatchett published, Indie Film and Art Reporter, NYC , from 2009-2016, focusing on obscure art and film.

Lily Hatchett’s, “Global Warming Art Report” party, was also the first time the iconic, sociopolitical, “Crackhead Jesus is coming” sticker, was seen in public, after its controversial, headline-grabbing debut, at Art Basel Miami Week, during the 2007 Holiday season.

AS SEEN IN THE MIAMI HERALD NEWSPAPER COLLECTOR’S EDITION, ART BASEL MIAMI MAGAZINE: FEATURING THE CLASSIC, MAVERICK ARTIST VICTOR-HUGO VACA II, CRACKHEAD JESUS EXHIBIT, PROMO.

Though the sociopolitical sticker, catalogued in the Library of Congress reference book by DB Burkeman, “Stickers: From Punk Rock To Contemporary Art”, caused quite a stir because it was prominently displayed atop the canvas of fine art graffiti, created throughout the 48 hour party, Hatchett Productions did not censor the provocative artistic expression, in spite of some protest.

THE ART OF CREATION: CONTROVERSIAL “CRACKHEAD JESUS IS COMING” STICKER CAN BE SEEN ON TOP LEFT OF WORK IN PROGRESS, “RONALD REAGAN AND HIS MONKEY”, BY MAVERICK ARTIST VICTOR-HUGO VACA II.

“The truth is artists are only millionaires on paper. They have to sell their work, and according to the IRS, their work has value whether it’s sold or not. I have small sketches, prints and paintings; they can all be valued at something.”- Barnaby Ruhe

THE FOUNDATION FOR “RONALD REAGAN AND HIS MONKEY” STARTED WITH SPRAY PAINTED GRAFFITI, BY MAVERICK ARTIST VICTOR-HUGO VACA II, THAT MANIFESTED INTO COLORFUL CHARACTERS AND VISTAS IN AN ALTERNATE UNIVERSE.

In a U.S. News & World Report 2011 survey of high school guidance counselors, regarding national universities and national liberal arts colleges providing the best undergraduate education in America, the U.S. Naval Academy ranked #1.

In 2012, U.S. News & World Report ranked the U.S Naval Academy as the #1 Public Liberal Arts College in the nation, for the second year in a row.

In the 2012 U.S. News & World Report college rankings, the U.S. Naval Academy tied for 4th Best Undergraduate Engineering among non-doctorate-granting institutions.

“I WAS OFFERED THE OPPORTUNITY TO EXPRESS MYSELF, AS AN ARTIST, ON A MASSIVE BLANK CANVAS, IN FRONT OF A LIVE AUDIENCE FULL OF LEGENDARY ARTISTS, AT A TRIPPY, TWO-DAY, NON-STOP PARTY, TO RAISE AWARENESS ABOUT GLOBAL WARMING; SO, OF COURSE, I SEIZED THE DAY AND FLOWED INTO THE UNIQUE MOMENT, WITHOUT HESITATION.” – MAVERICK ARTIST VICTOR-HUGO VACA II

In 2016, the United States Naval Academy was ranked #2 in Public Colleges, #9 in Liberal Arts Universities, #17 best undergraduate institution and #24 Top College by Forbes magazine.

“THE ART OF CREATION BEGINS WITH A BLANK CANVAS AND AN OPEN MIND.” – VICTOR- HUGO VACA II

The U.S. Naval Academy teaches Midshipman Officers how to be effective leaders by exercising how to take command, execute orders, and making sure that those orders are carried out swiftly.

BEFORE ENTERING THE U.S. NAVAL ACADEMY IN 1989, THE MAVERICK ARTIST VICTOR-HUGO VACA II, HAD TO PROVE HE WAS RELIABLE, TRUSTWORTHY AND HONEST ENOUGH TO GRADUATE FROM THE USNA PREP SCHOOL IN NEWPORT, RHODE ISLAND.

“You were never outside the environment in which leadership mattered. We marched to class and we marched to every single meal, constantly in the presence of someone exhibiting leadership.”- Robert Herres, U.S. Naval Academy Alumni and retired CEO of USAA, a $60 billion insurance company.

DETAIL FROM “RONALD REAGAN AND HIS MONKEY” FEATURING THE ICONIC “CRACKHEAD JESUS IS COMING STICKER” (TOP LEFT) BY MAVERICK ARTIST VICTOR-HUGO VACA II.

“If you look at the majority of successful people in business, the common feature of most of them is that they get things done, they deliver, they execute. That’s built into the DNA of what you’re taught at the military academies.”- Pete Dawkins, West Point Alumni, Heisman Trophy winner and vice chairman of Citigroup Private Banking.

BEHIND THE SCENES: “RONALD REAGAN AND HIS MONKEY”, WAS FEATURED IN THE ROCOPERA MUSIC VIDEO FOR, “SHAKE THE CITY”, PRODUCED AND DIRECTED BY, MAVERICK ARTIST VICTOR-HUGO VACA II.

“The academies are designed to produce leaders, and I think good leaders are successful irrespective of the medium they’re working in. You can have a terrific idea, a great plan, and bad leadership, and you’ll fail. You can have a bad plan and really good leadership, and still figure out how to make it successful. Leadership is the single most important ingredient in all institutions. If you have bad leaders, the rest doesn’t matter.” – James Kimsey, West Point Alumni and co-founder of America Online.

IN 1989, MIDSHIPMAN OFFICER VICTOR-HUGO VACA II WAS ADMITTED INTO THE UNITED STATES NAVAL ACADEMY CLASS OF 1993.

“Once you absorb that, your whole mindset changes. In battle, if you’re leading a company up a hill, and that night you have to write letters to all the mothers whose sons got killed that day, for whatever reasons, you realize there is no excuse. If you’re a CEO whose company is laying off thousands of workers because you failed to understand how the market changed, you also realize there is no excuse for those people now out of a job.”- James Kimsey, looking back on how Plebes at West Point and the U.S. Naval Academy are taught to respond, “No excuse, Sir!”, when their personal shortcomings and failure are exposed.

THE SCALE OF VENUE AND ARTWORK CREATED BY VICTOR-HUGO VACA II CAN BE SEEN IN THIS AERIAL VIEW.

“The Academy training gives you an attitude, and it’s the attitude that makes the difference. When I deal with Academy people in the business world, and I am asking for something to be done, I know it’s going to get done. I don’t hear a lot of, ‘Here are my excuses,’ but rather, ‘I am going to get it done, regardless.’ And that’s leadership.”- Ron Jones, Naval Academy Alumni, senior vice president at Veridian, a computer and engineering company.

WORK IN PROGRESS FINE ART GRAFFITI BY MAVERICK ARTIST VICTOR-HUGO VACA II.

“We learned at the Academy that the Honor Code had no geographical boundaries or limits. It applied at all times, whether we were in or out of uniform…. At first it was rather intimidating. One slip-up could mean expulsion.” – Gil Dorland, from his book, “Duty, Honor, Company”.

MAVERICK ARTIST VICTOR-HUGO VACA II OUTSIDE OF THE SYDNEY AND BERNE DAVIS ART CENTER IN FORT MYERS, FLORIDA.

The United States Naval Academy, implants into the fiber of being of all Midshipman Officers, key success factors and qualities in areas of the private sector, such as: honor, ethics, and integrity.

“If you don’t have honor, integrity, and ethics, it will be found out and people won’t deal with you. Whatever you do in the business environment, your word is most important. You’d better do what you say you’re going to do. Once you lose your credibility, your value diminishes dramatically, both through the eyes of the people that work for you and the people you deal with. It’s sort of a sine qua non of being successful.” – Jim Kimsey, America Online co-founder.

“The fact is, honor, ethics, and integrity are key success factors in many areas of the private sector.” – Eric Grubman, Naval Academy Alumni and a partner at Goldman Sachs.

USNA MIDSHIPMAN OFFICERS VICTOR-HUGO VACA II AND JEFF EGAN.

Elite business schools like Wharton and Harvard hold military academy graduates in high regard. In the Harvard Business School class of 2001, 37 students had bachelor’s degrees from Harvard, in second place for undergraduate training, were the service academies, with 24 alumnus.

“At Wharton, leadership was a class that we took. At the Academy, leadership was a way of life.” – Ron Jones, who attended the Naval Academy and Wharton, contrasting the education he received at each institution.

CLASS OF 1993, PLATOON 26, ROOMMATES AND USNA MIDSHIPMAN OFFICERS, LIVING AND LEARNING TO MAKE QUICK DECISIONS, IN BANCROFT HALL, THE LARGEST SINGLE DORMITORY IN THE WORLD (MAVERICK ARTIST VICTOR-HUGO VACA II, HOLDING UP PEACE SIGN) .

The U.S. Naval Academy excels at teaching Midshipmen Officers the art of communicating swiftly and clearly with the rank and file, a skill necessary for successful CEO’s.

“Every day, you interact with your classmates and with your professors. You have got to communicate from day one as a plebe when you’re being hazed. You’ve got to communicate with your peers to survive.” – Joe Gudenburr, West Point Alumni and vice president of manufacturer, BuckBee-Mears.

THE MAVERICK ARTIST VICTOR-HUGO VACA II (FAR RIGHT) GRADUATED FROM THE NAVAL ACADEMY PREPARATORY SCHOOL; THE NAVY’S FOURTH OLDEST SCHOOL, BEHIND THE NAVAL ACADEMY, NAVAL WAR COLLEGE AND THE NAVAL POST GRADUATE SCHOOL.

Business leadership and stress go hand in hand; attending a U.S. military academy, like the USNA, provides practical stress management training.

“The academies are the finest institutions in the world at teaching honor, ethics, integrity, and loyalty. What you learn at a place like West Point will remain with you throughout your business career.” – Alexander Haig, President Reagan’s first Secretary of State, on U.S. Military Academies like the United States Naval Academy and Air Force Academy.

THE MISSION OF THE NAVAL ACADEMY PREP SCHOOL IS, “TO ENHANCE MIDSHIPMAN CANDIDATES’ MORAL, MENTAL, AND PHYSICAL FOUNDATIONS TO PREPARE THEM FOR SUCCESS AT THE UNITED STATES NAVAL ACADEMY” – MAVERICK ARTIST VICTOR-HUGO VACA II

Platoon leaders don’t have time to consult with headquarters during life and death combat situations, therefore Midshipman Officers are trained to make crucial quick decisions on their own, which translates into a valuable skill, in the war of business.

“Communication is very poor on the battlefield; so commanders have to react to the situation rapidly on their own with relatively limited information. There’s no time for the chain-of-command to issue orders. This is very characteristic of business. Businesses that do this well end up with higher performance.” – Jerry York, former CFO of Chrysler and IBM, vice-chairman of Tracinda, an investment company, and West Point Alumni.

MUSE CONTEMPLATES WORK OF ART BY MAVERICK ARTIST VICTOR-HUGO VACA II TITLED, “STEPPING INTO THE NIGHT”, AT THE SIDNEY & BERNE DAVIS ART CENTER.

“Too often art is about the hawking of wares, rather than about the quality of life and the human experience. Art has always existed. Humankind obviously has a need for intangibles. Even something seemingly as simple as entertainment is deeply rooted in humans, we have been entertaining each other right from the first storytellers who described occurrences and faraway places.” – Lily Hatchett

“Having survived two Plebe years, at NAPS and the United States Naval Academy, nothing fazes me; I see no limitations, only challenges.” – Maverick Artist Victor- Hugo Vaca II

USNA MIDSHIPMAN OFFICER VICTOR-HUGO VACA II

“What are the things that you can’t see that are important? I would say, justice, truth, humility, service,compassion, love. You can’t see any of those, but they’re the guiding lights of a life.” – Jimmy Carter, United States President and U.S. Naval Academy Alumni Class of 1946.

VICTOR HUGO COLLECTION SEEN ON BIG SCREEN IN THE LAST HIT AWARD WINNING ACTION DRAMA

https://www.youtube.com/watch?v=NeI4zNuSULM

“The Last Hit” features artwork and a cameo by Maverick Artist Victor-Hugo Vaca II. The action packed film is available on DVD and on major streaming outlets like HULU and Amazon Prime.

“WOMAN”, SEEN ON BIG SCREEN IN AWARD WINNING ACTION-DRAMA, ”THE LAST HIT”: Film Features Popular DNA Series Painting, By Maverick Artist Victor-Hugo Vaca II, In Hit Movie Climax.