CFPB’s Mulvaney Puts Focus on Cost-Benefit Analysis

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first_img CFPB’s Mulvaney Puts Focus on Cost-Benefit Analysis About Author: David Wharton Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Related Articles Tagged with: CFPB Consumer Financial Protection Bureau Mick Mulvaney Data Provider Black Knight to Acquire Top of Mind 2 days ago CFPB Consumer Financial Protection Bureau Mick Mulvaney 2018-05-10 David Wharton The Best Markets For Residential Property Investors 2 days agocenter_img David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] Servicers Navigate the Post-Pandemic World 2 days ago CFPB Acting Director Mick Mulvaney’s tenure at the head of the regulatory organization has been defined by a reexamination of the Bureau’s priorities and purpose. That trend continued this week with the issuance of a new memo written by Mulvaney and distributed to CFPB staff. The memo, as reported by the Wall Street Journal, highlights an increased focus on considering the cost-benefit analysis of both regulations and regulatory enforcement imposed by the CFPB.According to the WSJ, the memo outlines Mulvaney’s plan to create an “office of cost benefit analysis” that will be tasked with evaluating the Bureau’s oversight and enforcement from a financial standpoint. That move will likely find support among critics of the Bureau who believe its regulatory actions can be overly burdensome on the industries the Bureau oversees. It is also consistent with the arc of Mulvaney’s tenure at the CFPB—a long-time critic of the Bureau before his appointment as Acting Director, Mulvaney in February issued a memo vowing to hew to the Bureau’s statutory responsibilities but go “no further.” In that memo, Mulvaney explained that “pushing the envelope in pursuit of other objectives ignores the will of the American people” and “also risks trampling upon the liberties of our citizens.”The CFPB strategic plan for 2018 – 2022 laid, issued in February, laid out three goals:Ensure that all consumers have access to markets for consumer financial products and services.Implement and enforce the law consistently to ensure that markets for consumer financial products and services are fair, transparent, and competitive.Foster operational excellence through efficient and effective processes, governance, and security of resources and information.You can read the full CFPB strategic play for 2018-2022 by clicking here.The WSJ also reports that the new memo formally installs Brian Johnson and Kirsten Sutton as aides who will serve as Mulvaney’s “representatives in each division.” The WSJ reports that, per Mulvaney’s memo, Johnson will serve as the “final stop on all things policy related” for Mulvaney and Sutton will serve as Mulvaney’s “lead on management issues.”Leadership of the CFPB was thrown into question last fall, following the surprise resignation of Director Richard Cordray. On his way out, Cordray named his Chief of Staff, Leandra English, as Deputy Director of the CFPB. However, President Trump then appointed White House Budget Director Mick Mulvaney to head the CFPB. This kicked off a series of legal challenges between the two over who was the rightful leader of the organization, with Mulvaney eventually prevailing.On Tuesday night, ex-CFPB Director Richard Cordray officially clinched the Democratic nomination for the governorship of Ohio. Campaigning on both his history at the CFPB and a promise to focus on economic matters affecting Ohioans, Cordray defeated five other contenders during the Ohio Democratic primary, including former Congressman and Cleveland Mayor Dennis Kucinich. Previous: The Industry Pulse: Updates on LRES, Black Knight, and More Next: When the Waters Recede in Daily Dose, Featured, Government, Journal, News Home / Daily Dose / CFPB’s Mulvaney Puts Focus on Cost-Benefit Analysis Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post May 10, 2018 2,176 Views last_img read more

Time and Policy to Heal New York Foreclosure Backlog

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first_img Servicers Navigate the Post-Pandemic World 2 days ago Previous: Black Knight’s New Digital Solutions Next: HUD Releases Proposed Budget for 2020 The Best Markets For Residential Property Investors 2 days ago Related Articles Time and Policy to Heal New York Foreclosure Backlog Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The foreclosure crisis and ensuing zombie home invasion in New York has improved markedly in the last few years thanks to the passing of both time and policies. Foreclosure filings across the state are down 46 percent since 2013, according to a report from the state comptroller. Similarly, the number of pending foreclosure cases in the state is down by half since 2014.However, before the mood becomes too celebratory, New York State Comptroller Thomas P. DiNapoli warned, “the foreclosure crisis is far from over,” and “New York must continue to support the programs and reforms that have helped homeowners avoid foreclosure and communities reduce blight caused by zombie properties.”After experiencing heightened foreclosures, a court backlog, and an onslaught of zombie properties—where the home becomes vacant before foreclosure is complete—New York responded with an ambush of new policies aimed at helping homeowners avoid foreclosure, helping courts process foreclosures, and helping return zombie properties to the land of the living.The state has enacted several changes to the foreclosure process in the courts. For example, it created the Vacant and Abandoned Property sector of the court to speed up judicial review when dealing with these properties. The foreclosure process has also been further standardized to ensure consistency and easier tracking. Another court-related change has to do with the transfer of deeds and titles in cases of divorce to help homeowners avoid foreclosure during or after divorce.Other changes New York made have to do with borrower communication, “primarily in the form of better and more consistent communication about the foreclosure process and homeowners’ rights and responsibilities,” according to the report.Also, in addition to working to expedite foreclosures in the case of vacant properties, New York has worked to eradicate zombie properties through the use of land banks, which are nonprofits that acquire zombie homes and work to “return them to productive use.” As of 2017, land banks had “acquired nearly 2,000 problem properties and returned $28.4 million in assessed value to the tax rolls,” according to the report. The state is set to add 10 more land banks.The state also created the New York State Community Restoration fund to purchase distressed mortgages in areas with high foreclosure rates with intent to either provide loan modification for borrowers or repair and sell the homes to new owners.With the help of these policies, the New York housing market has experienced improvement with the foreclosure rate falling in every part of the state over the past few years. In mid-2014, 18 counties in the state had foreclosure rates above 1 percent and four had a rate above 2 percent. As of mid-2018, only four counties had foreclosure rates above 1 percent, and 38 counties had rates below 0.50 percent, according to DiNapoli’s report.While acknowledging the significant improvements, DiNapoli sees potential threats on the horizon. “Housing advocates have warned that proposed cuts in State funding for homeowner protection programs could—if implemented—also undermine or even reverse the progress made,” DiNapoli said in his report. Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and DSNews.com, MReport and theMReport.com. She holds degrees in journalism and art from the University of Georgia.  Print This Post foreclosure rate Foreclosures Housing Policy Loss Mitigation New York Foreclosure Rate zombie homes Zombie Properties 2019-03-11 Krista Franks Brock About Author: Krista Franks Brock Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago Share Save Home / Daily Dose / Time and Policy to Heal New York Foreclosure Backlog Tagged with: foreclosure rate Foreclosures Housing Policy Loss Mitigation New York Foreclosure Rate zombie homes Zombie Properties in Daily Dose, Featured, Foreclosure, Loss Mitigation, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily March 11, 2019 1,717 Views last_img read more

Better Predicting Mortgage Default

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first_imgSign up for DS News Daily About Author: Seth Welborn  Print This Post Demand Propels Home Prices Upward 2 days ago Previous: Homeowners’ Insurance Knowledge Gap Next: Real Estate Investment Trusts: Safe Bet in a Recession? Tagged with: credit default FICO credit default FICO 2019-12-02 Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share 1Save December 2, 2019 2,645 Views Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Better Predicting Mortgage Defaultcenter_img Related Articles in Daily Dose, Featured, News, REO The Week Ahead: Nearing the Forbearance Exit 2 days ago Credit scores alone are not enough to determine the likelihood of default, Fitch Ratings notes, as a variety of factors can complicate the default risk process. In a report, Fitch discusses how consistency is needed in this process.“Assessing downside risk of U.S. consumer credit can be more difficult if different versions of credit scores are used when lending, underwriting standards are relaxed amid a supportive economy, or when lenders are reaching for growth,” Fitch Ratings says. “As these dynamics can be exacerbated during an economic downturn, it is essential to view credit scores in combination with other key risk variables to most accurately assess default risk.”According to Fitch, higher FICO scores are indicative of a more solid repayment history of debt obligations, with a lower probability of default. However, different versions of credit scores have been introduced post-crisis that are not used consistently across asset classes and providers, which complicates comparing these scores and has prevented their widespread use in credit analysis.Current higher FICO score trends in mortgages are partly attributable to a higher percentage of originations from the prime segment following the financial crisis amid the benign economic environment. Borrowers are paying their bills, as is to be expected given strong labor markets, rising wages, and low unemployment and interest rates. FICO scores are also improving as a result of the extended duration of the favorable economic environment, as past payment history with higher delinquency levels falls off.Much of the market is reliant on older FICO versions. Fitch notes that the mortgage industry uses older versions like FICO 2, 4, and 5 when assessing creditworthiness for new mortgages and deciding interest rates, while the newer FICO versions are currently not used by the mortgage market. Newer versions, such as FICO 8, which is commonly used in other industries, factors in on-time payments, account balances, and length of credit experience when calculating scores. FICO 9 differs when it comes to collections, factoring in rental payment history while putting less weight on delinquent medical collections. Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Better Predicting Mortgage Default Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribelast_img read more

Housing Market Could Stave Off Potential Recession

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first_img Servicers Navigate the Post-Pandemic World 2 days ago Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Sign up for DS News Daily Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago housing market 2020 Recession 2020-02-04 Mike Albanese About Author: Mike Albanese The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, News Home / Daily Dose / Housing Market Could Stave Off Potential Recession February 4, 2020 1,682 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img The Best Markets For Residential Property Investors 2 days ago  Print This Post Tagged with: housing market 2020 Recession Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago Analysis from First American Financial Corporation says that while the U.S. economy is currently in the longest recorded economic expansion on record, a correction could be coming. However, the housing market could stave off a downfall than fall victim to a recession. “An economic expansion doesn’t just die of old age, something has to kill it. So far, that has not happened. Yet, while last summer’s concern about an imminent recession may have been a false alarm, recession isn’t indefinitely avoidable,” said Odeta Kushi, Deputy Chief Economist at First American. Kushi said that while the Great Recession is still fresh on the minds of many consumers, the housing market has weathered other recessions since 1980. She said, with the exception of the Great Recession, as year-over-year existing-home sales growth barely declined in all other previous recession in the last 40 years. “Unlike 2008, the housing market today is not driven by homeowners who are highly leveraged, as shown by the fact that the household debt-to-income ratio is at a four-decade low,” she said. “Additionally, the housing crisis in the Great Recession was fueled heavily by the fact that job loss was paired with a significant share of homeowners who didn’t have much equity in their homes.”Kushi added that homeowners have high levels of tappable home equity in today’s market, providing a cushion to “withstand potential price declines.”“Today, it’s reasonable to expect homeowners to stay where they are if the economy wavered and wait until they feel more financially confident to move, or tap into home equity for recurring expenses, or sell and pay off their mortgages if necessary,” Kushi said. Additionally, Kushi said housing could aid the economy in recovering from the next recession. Recent analysis shows that recovery from the Great Recession has been uneven across the nation. Foreclosure rates have been wallowing at impressive lows for some time. ATTOM Data Solutions reported the national foreclosure rate last year was 0.36%. However, some feel the housing market has never fully emerged from that housing crisis. One market expert says we’re just now seeing “some signs that America’s housing crisis might be starting to abate.” Ben Wilterdink, Director of Programs at the Archbridge Institute, a think tank based in Washington, D.C., said in an article in The Hill, “The nation as a whole has largely recovered from the financial crisis. But the recovery has been deeply geographically uneven, with urban areas experiencing high levels of population growth and new business formation while rural areas remain much more economically stagnant.”  Housing Market Could Stave Off Potential Recession Previous: Expanding Non-Bank Mortgage Institutions and REITs Next: Financial Services Committee Chair Denounces Volcker Rule Changes Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribelast_img read more

Fannie and Freddie to Retain “Limited Support”

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first_img According to Bloomberg, Fannie Mae and Freddie Mac are expected to retain “limited and tailored government support” after they are freed from U.S. control, Treasury Secretary Steven Mnuchin said in a letter to lawmakers.“Treasury expects that it will be necessary to maintain limited and tailored government support” to provide confidence that the GSEs will meet their financial obligations, Mnuchin wrote. “Stability in the housing finance system is crucial, and there should be no disruption to the market as a result of Treasury’s recommended administrative reforms.”In 2019, the GSE’s took an important step toward privatization when the U.S. Department of the Treasury and the Federal Housing Finance Agency (FHFA) recently announced that they had agreed to modifications to the Preferred Stock Purchase Agreements (PSPAs), permitting Fannie Mae and Freddie Mac to retain additional earnings in excess of the $3 billion capital reserves currently permitted by their PSPAs.“These modifications are an important step toward implementing Treasury’s recommended reforms that will define a limited role for the Federal Government in the housing finance system and protect taxpayers against future bailouts,” said U.S. Treasury Secretary Steven T. Mnuchin.According to Mnuchin and Calabria Fannie and Freddie will “need to raise third-party capital.” As part of its process to take the GSEs out of conservatorship, the FHFA has selected Houlihan Lokey Capital, Inc., as its financial advisor to assist in the development of a plan to conservatorship of Fannie Mae and Freddie Mac. The FHFA’s report states Houlihan Lokey will consider business and capital structures, market impacts, timing, and available capital raising alternatives among other items. “Hiring a financial advisor is a significant milestone toward ending the conservatorships of the Enterprises,” said Calabria. “The next major milestone for FHFA is the re-proposal of the capital rule, which will happen in the near future.” Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Government, News Related Articles Sign up for DS News Daily Conservatorship Fannie Mae FHFA Freddie Mac 2020-02-21 Seth Welborn Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Previous: Built-For-Rent Volumes Decline Next: Wells Fargo Reaches $3B Settlement with DOJ and SEC About Author: Seth Welborn Home / Daily Dose / Fannie and Freddie to Retain “Limited Support” Servicers Navigate the Post-Pandemic World 2 days ago Share Savecenter_img Tagged with: Conservatorship Fannie Mae FHFA Freddie Mac Subscribe The Best Markets For Residential Property Investors 2 days ago February 21, 2020 1,087 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Demand Propels Home Prices Upward 2 days ago  Print This Post Fannie and Freddie to Retain “Limited Support”last_img read more

More people getting online in Donegal since 2015

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first_imgHomepage BannerNews NPHET ‘positive’ on easing restrictions – Donnelly Facebook More people getting online in Donegal since 2015 Three factors driving Donegal housing market – Robinson Pinterest Nine Til Noon Show – Listen back to Wednesday’s Programme News, Sport and Obituaries on Wednesday May 26th By admin – August 20, 2016 Pinterest WhatsApp RELATED ARTICLESMORE FROM AUTHORcenter_img Google+ 241 .ie domains were registered in Donegal in the first half of 2016 according to the latest dot ie Domain Profile Report.The figure is a 3% decrease on the same period last year.Overall .ie domain registrations in Ulster in the first half of 2016 numbered 849, a 2.6% increase on the same period last year.Chief Executive of IEDR David Curtin says the decrease can be attributed to lack of high speed broadband in the North West:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2016/08/davidcurtin10am.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Previous articleLawyers in Northern Ireland begin legal challenge to EU referendum resultNext articleMan convicted of causing death by dangerous driving in Donegal, receives another 4 month suspended sentence admin Facebook Twitter Google+ Help sought in search for missing 27 year old in Letterkenny WhatsApp 448 new cases of Covid 19 reported today Twitterlast_img read more

Government confirms 100 euro household charge

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first_img Calls for maternity restrictions to be lifted at LUH Pinterest By News Highland – July 26, 2011 Households are facing a 100 euro charge from next year.The Cabinet approved the new levy earlier today.However around 100,000 low income homes are likely to be given a waiver.The charge is an interim measure put in place until water charges and a property tax can be rolled out in a couple of years time.Political Correspondent Paraic Gallagher says everyone will be affected.”It is a blanket charge of 100 euro per household – and you’ll pay that whether you own a mansion in Dublin 4, a cottage in Donegal” he said.”It’s the owner who pays the charge so if you’re a renter, you can expect your landlord to be passing it on to you”.”Very low income households – and the government probably will estimate this at around 100,00 of the 1.8 million in the country – they’ll get a waiver so they won’t have to pay the charge” he added. Facebook Newsx Adverts Previous articleGAA – McGuinness “Donegal injuries improving”Next articleJudge hits out at “the disease of dangerous driving” in Donegal News Highland Twitter Google+ WhatsApp Pinterest Facebookcenter_img Google+ Government confirms 100 euro household charge Guidelines for reopening of hospitality sector published RELATED ARTICLESMORE FROM AUTHOR NPHET ‘positive’ on easing restrictions – Donnelly Three factors driving Donegal housing market – Robinson Twitter Almost 10,000 appointments cancelled in Saolta Hospital Group this week LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton WhatsApplast_img read more

Ulster Bank customers in Donegal tell Highland Radio News of their frustration

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first_img Previous articleSF says Troika has told them there’s scope for tax increase for high earnersNext articleIndependent stations want cut of RTE’s license fee News Highland Google+ By News Highland – July 4, 2012 WhatsApp Facebook Twitter Twitter WhatsApp Ulster Bank says it expects its services will be back to normal the weekafter next.The crisis, caused by a computer fault, began a fortnight ago, affectingtens of thousands of accounts.Central Bank officials are to face tough questions from politicians on the matter, when the Finance Oireachtas Committee meets this afternoon.They’ll fill us in on what measures are in place to protect the wider financial payment systems.These Ulster Bank customers in Letterkenny say they’re frustrated by the whole mix up……[podcast]http://www.highlandradio.com/wp-content/uploads/2012/07/ulst1pm.mp3[/podcast] Pinterest Facebook RELATED ARTICLESMORE FROM AUTHORcenter_img LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Guidelines for reopening of hospitality sector published Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Pinterest Calls for maternity restrictions to be lifted at LUH Ulster Bank customers in Donegal tell Highland Radio News of their frustration Need for issues with Mica redress scheme to be addressed raised in Seanad also News Almost 10,000 appointments cancelled in Saolta Hospital Group this week Google+last_img read more

Pro-life campaigner voices concern over illegal advice given at pregnancy clinics

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first_img WhatsApp Facebook By News Highland – October 28, 2012 A leading pro life campaigner in the county has voiced her shock over revelations that some pregnancy counselling services were giving illegal and dangerous advice to woman.Speaking to Highland Radio, Mary Doherty stated that the undercover probe carried out by a group of woman highlighted a very worrying issue.The Gardai and HSE have launched an investigation into some pregnancy counselling services.[podcast]http://www.highlandradio.com/wp-content/uploads/2012/10/maryd6.mp3[/podcast] Twitter WhatsApp Pinterest Facebook Google+ Pro-life campaigner voices concern over illegal advice given at pregnancy clinics Google+ Newscenter_img Need for issues with Mica redress scheme to be addressed raised in Seanad also RELATED ARTICLESMORE FROM AUTHOR Previous articleDonegal County Council to buy new equipment for winter service fleetNext articleSuicide prevention group urges cyber-bullying victims to seek help News Highland Man arrested in Derry on suspicion of drugs and criminal property offences released Pinterest Minister McConalogue says he is working to improve fishing quota Dail hears questions over design, funding and operation of Mica redress scheme 70% of Cllrs nationwide threatened, harassed and intimidated over past 3 years – Report Twitter Dail to vote later on extending emergency Covid powerslast_img read more

Community allotments could be on the way for Letterkenny

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first_img Dail hears questions over design, funding and operation of Mica redress scheme Community allotments could be on the way for Letterkenny Google+ Twitter Facebook Dail to vote later on extending emergency Covid powers Pinterest WhatsApp Previous articleDonegal Town ‘head shop’ subject to weekend attackNext articlePriest accused of Donegal rape could be extradited in Wednesday News Highland Google+ PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal Facebookcenter_img Newsx Adverts Pinterest Twitter RELATED ARTICLESMORE FROM AUTHOR Community allotments could soon be a reality in Letterkenny after the local town council decided this afternoon to progress the issue at its next meeting.A group has been established locally to progress the issue, and it has identified lands opposite the council offices on Neil T Blaney Road as the best possible site.A decision to provide allotments on council land was tasken six years ago, but never acted on.Recently, the council suggested that a HSE project to provide community gardens in St Conal’s might be an option, but they are for communities rather than individuals. By News Highland – February 15, 2010 WhatsApp Man arrested in Derry on suspicion of drugs and criminal property offences released HSE warns of ‘widespread cancellations’ of appointments next week Man arrested on suspicion of drugs and criminal property offences in Derrylast_img read more