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For Tammy Schram of Scio and her daughter, Amanda Hamer of Belmont, Thanksgiving and Black Friday has been more than shopping the past six years. "It's a mother-daighter thing and the deals, you can't beat the deals, but it's more bonding for us," said Schram. One year, the mother-daighter team had sleeping bags when it was 11 degrees below zero and they camped out at Kmart until the next day for a television for her mom, which mom still has. The Arnot Mall in Elmira was closed Thanksgiving. Black Friday has creeped more and more into the Thanksgiving Holiday the last several years. We want to give our store employees an opportunity to celebrate with their families before the holiday season kicks off, said Arnot Mall Marketing Director Meghann Reed. The early opening in the past also created a very long shopping event that somewhat took the excitement out of the Black Friday experience. We want to bring the excitement back to the annual event while at the same time give our Arnot Mall family time with their families. Macy's opened at 5 p.m. Thursday, an hour earlier than a year ago after seeing Penney's open at 3 p.m.
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Wendell Odom, their lawyer, said he anticipated an appeal in the case, one of several the U.S. government has brought against lenders following the 2008 financial crisis. He said the government was seeking to recover damages for "hyper-technical violations of federal regulations" that had little to do with market conditions that led loans to default. The lawsuit was one of several brought by Bharara's office against lenders who underwrote loans insured by the Federal Housing Administration's Direct Endorsement Program. The lawsuit was announced in 2011, when Bharara's office intervened in a pending whistleblower case. It was transferred from New York to Texas in 2012. The government contended that Allied Home Mortgage Capital Corp operated over 100 "shadow" branch offices that originated FHA-insured mortgage loans without approval from the U.S. Department of Housing and Urban Development. The government said that shop mango those undisclosed branches were not subject to HUD oversight and that their mortgage default rates were disguised as the loans were submitted using the ID numbers of approved branches. Allied Home Mortgage Corp also recklessly underwrote and certified at least 1,192 loans that were ineligible for insurance under HUD's guidelines, resulting in $85.6 million in losses when the mortgages defaulted, the government said.
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