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School caretaker had gravest images of child porn

first_imgNewsLocal NewsSchool caretaker had gravest images of child pornBy admin – January 29, 2013 1348 Facebook WhatsApp Linkedin Report by Andrew Carey – [email protected] PRIMARY school caretaker and Church of Ireland lay minister attached to St Michael’s Church, Pery Square in Limerick, has been jailed for having some of “the gravest images” of child pornography on his home computer. 62-year-old Gerard Fitzgerald was handed down a five months prison sentence after the court heard from det gda Michael Hogan of the computer crime forensic unit in Harcourt Street, Dublin that evidence of 13 images, that had tried to be concealed and deleted, were found on the Dell PC owned by the semi retired caretaker.Sign up for the weekly Limerick Post newsletter Sign Up Judge Eugene O’Kelly said that he was very concerned that the part-time caretaker had sought out such work given the defendant’s “appetites” for such pornographic material and Mr Fitzgerald’s possession of images said to have been at the “most severe end of the scale”.The court heard that Mr Fitzgerald was a retired man on a disability allowance but was paid by St Michael’s Church to act as a caretaker for the adjacent primary school. He also denied knowledge of having the images on his computer on March 19, 2010, but had admitted to gardai, during interview, that he did look at child porn “once or twice a week”.Retired Detective Garda Martin Hogan, formerly attached to Harcourt Street garda Station and the Garda computer crime investigation unit based there, gave evidence of examining a computer that gardai seized when a warrant to search the home of Mr Fitzgerald was executed.He told the court that forensic software was used to extrapolate the data and the file location and history of the 13 images of child pornography.The data uncovered that the images were viewed through a media player and had been created in October 2009 and were most recently accessed just four days before gardai arrived to his home in March 2010.In follow-up investigations and further questioning of Mr Fitzgerald, the court heard that the Church of Ireland lay minister said he had images in a file folder called “Papist Humour” and when he was shown the 13 images, the defendant admitted having seen six images of naked children with the genitals exposed. He denied any knowledge of having seen the more explicit images where children, as young as five or six, were pictured involved in more graphic sexual exploitation including oral and penetrative sex. Mr Fitzgerald said those images “did not ring a bell” with him.Det gda Hogan said in evidence that the media player application retained a history and the cache memory threw up the evidence of these images being viewed.As the case was contested on a point of law by the defence as to Gerard Fitzgerald not having any knowledge of the images being on his computer, the investigating garda read the two interviews made with the accused.Garda Niall Fitzgerald said that the primary school caretaker admitted that he “browsed the web for pornography, including bestiality. I find it interesting and intriguing how low people can go, the depths of depravity.”The court heard from the memos that the defendant viewed the images out of curiosity and not for sexual gratification.The only explanation offered by Mr Fitzgerald for his interest was that he was sexually abused as a child but “didn’t think that viewing child porn was sexual abuse itself”.Having said that he was not computer literate, Judge O’Kelly said that he did not accept these claims of Mr Fitzgerald or the that he was a man “with little knowledge of computers”,Addressing Mark Nicholas, counsel for the defence, Judge O’Kelly said that it was clear that the accused man had a level of computer knowledge to know what a “temporary file folder was and that “specific forensic software could wipe histories”.“He himself has admitted that he downloaded these images in order to enlarge them and admitted downloading them into a file he rather curiously called ‘Papist Humour’. He acknowledged he had seen images which in his opinion were less offensive but denied having seen the more obscenely graphic images, protesting rather unconvincingly that they didn’t ‘ring a bell’,” Judge O’Kelly said.Prior to sentencing Gerard Fitzgerald to five months in prison, Judge O’Kelly asked Det Garda Hogan as to what scale these images ranked at and the court was told that although the quantity was small, their content was “at the most severe end of the scale”.Gerard Fitzgerald’s name was placed on the sex offender’s register for five years. Previous articleTwo year sentence for what was in Rose’s gardenNext articleLimerick models launch new Gathering stamp admincenter_img Advertisement Twitter Email Printlast_img read more

Just How Much Credit Risk Are the GSEs Transferring?

first_img Credit Risk Transfer Fannie Mae FHFA Freddie Mac GSE GSE Credit Risk Transfer Taxpayer Risk 2018-11-02 Krista Franks Brock About Author: Krista Franks Brock in Daily Dose, Featured, News, Secondary Market Tagged with: Credit Risk Transfer Fannie Mae FHFA Freddie Mac GSE GSE Credit Risk Transfer Taxpayer Risk Just How Much Credit Risk Are the GSEs Transferring? 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. Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Just How Much Credit Risk Are the GSEs Transferring? Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Related Articles Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Results, Remuneration, and Retribution Next: Homeowners Face Fewer Financial Hardships November 2, 2018 2,138 Views Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Fannie Mae and Freddie Mac initiated credit risk transfer (CRT) programs in 2013 in order to shift some risk away from taxpayers and into the private market. Now, for the first time, they are revealing just how much risk is being transferred.While the Federal Housing Finance Agency (FHFA), the conservator of Fannie and Freddie, has reported on their credit risk programs in the past, their Credit Risk Transfer Progress Report released yesterday is the first to detail the percentage of acquisitions being covered through CRT and the amount of risk being transferred.Since 2013, the GSEs have transferred a portion of credit risk on around $2.5 trillion of unpaid principal balance (UPB). The total risk in force (RIF) is $81 billion, and the GSEs have transferred an additional $1.1 trillion in UPB to primary mortgage insurers.Fannie Mae has transferred about 3.0 percent of the risk on about $1.4 trillion in UPB since 2013, translating to or $42.5 billion in RIF. Freddie Mac has transferred 3.7 percent of the risk on $1.1 trillion in UPB, about $39 billion in total RIF since 2013. Debt issuances have accounted for the majority of RIF for both GSEs—61 percent for Fannie Mae and 71 percent for Freddie Mac.For the first half of 2018, the GSEs together transferred partial risk on $367 billion of UPB. RIF totaled $12 billion. Debt issuances made up 61 percent of RIF.Fannie Mae transferred risk on $179 billion in UPB with $5.9 billion total RIF, while at Freddie Mac the total was $188 billion of UPB with RIF totaling $6.2 billion.The amount of single-family loans targeted for credit risk transfers has grown each year since the CRT program began, starting at 41 percent in 2013 and climbing to 65 percent for 2017. For the first half of this year, the GSEs transferred 77 percent of credit risk on 85 percent of UPB in its single-family new acquisitions.“The amount of credit risk transferred should continue to increase as the Enterprises continue to innovate and experiment with different structures and attempt to expand the scope of their CRT programs to further reduce risk where economically sensible,” said Melvin L. Watt, Director of the FHFA.For multifamily loan acquisitions, the GSEs transferred credit risk on 94 percent of loan acquisitions in 2017, with Fannie Mae transferring risk on 28 percent and Freddie Mac transferring risk on 86 percent of acquisitions. The share of credit risk transfer on multifamily acquisitions has varied between 93 percent and 96 percent since 2013. 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  Print This Post Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more