I didn’t want Suárez’s shirt or Messi’s shirt, I want yours because I think you’ll be the soccer player of the future. ” Daniele Massaro, Milan legend and player installed for evil in the imaginary of Barcelona since 4-0 of Athens in 1994, surprised everyone last August 2018 at the Levi’s Stadium in San Francisco when he predicted “a top player race” to Riqui Puig, a very small footballer (1.69 meters) from Matadepera who for many Barcelona players represents the symbol of the resistance and permanence of Barça DNA in times where, according to some sectors, it is being abandoned The essence of the Cruyffista game and the supremacy of talent.The promises of Quique Setién in his presentation (“I have shown that if those below push and win, they can play in the first team”), the transfer of Aleñá and the casualties of De Jong and, perhaps, Arthur the Sunday, in addition to the proximity of the Cup, they have generated a scenario now or never for one of La Masia’s latest hopes. Riqui Puig is a footballer who runs the risk of becoming an eternal promise because in August he will turn 21, has not debuted in any of the categories of the National Team and has only had sporadic appearances and nothing significant in the first team since it debuted on December 5, 2018 at the Camp Nou against Cultural Leonesa. Then he played a couple of league games in Huesca and Vigo when Barça already had LaLiga won. Despite the imposition of the voices that consider him a different player, with a high talent and the necessary gene to play for many years in Barça, Riqui Puig does not generate unanimity. Within the club there are also voices that doubt their football growth and consider that players with less marketing like Collado are at their level. Its integration in the costumes of Barça is also not a fairy tale. Some of his first appearances on social networks (he is active on Instagram) generated some crooked gesture in some sacred cow, which he believes should maintain a more discreet profile.Reference of the Barça Juvenil champion of the Youth League, and when 50 games have already been completed in Barça B, the coming months appear as a hinge moment in the career of this player of beautiful driving and acceleration that many compare with Iniesta. Despite the recommendation of a superior such as Patrick Kluivert, director of training football, Riqui Puig has closed in band to the possibility of a transfer. He feels that the only possible ecosystem to succeed is Barça and there he goes, for his chance.
Report: QRM Heightens Need for Evidence of Compliance September 23, 2013 504 Views Originators and servicers are going to have to step up their documentation procedures as regulatory guidelines dovetail, financial services firm “”PwC””:http://www.pwc.com/us/en/ says in a new white paper.[IMAGE]The “”white paper””:http://www.pwc.com/en_US/us/consumer-finance/publications/assets/pwc-atr-qm-compliance-standards.pdf explores the relationship between the Consumer Financial Protection Bureau’s Ability to Repay (ATR) and qualified mortgage (QM) guidelines and the newly re-proposed qualified residential mortgage (QRM) rules released by agencies in late August.With the QRM rules now revised to align better with QM, PwC says the need to document evidence of compliance is even greater than before.””The age-old question asks: if a tree falls in the forest and no one hears it, does it make a sound? A modern version to that question might be: if a lender in fact determines a borrower’s ability to repay, or originates a Qualified Mortgage (QM), but cannot evidence it, has the lender complied with the Ability-to-Pay (ATR) or QM standards?”” PwC asks in the paper.””As a practical matter,”” the company says, “”the answer is No.””Not only is documentary evidence needed to protect originators and servicers from actions by regulators or borrowers, it is now crucial to demonstrate that securities containing QM loans are in fact exempt from risk-retention requirements set up in the QRM proposal.””Therefore, the re-proposed QRM rule amplifies the need for lenders, servicers and securities issuers … to make the process, governance and other changes necessary to ensure that mortgages are accompanied by documentation evidencing compliance with the ATR and QM standards,”” PwC said.To better prepare for these changes, the company says firms need to ask questions about their own procedures and change them accordingly, starting with developing a list of documents they will need to capture and putting together a way to evidence the calculations and decision-making criteria used in the underwriting process.From there, the key is making sure the data is private and secure but still easily accessible to those who need it–a challenge that involves all aspects of a business’ operations.””[T]he need for such evidence can raise from a wide range of contexts and, as the questions companies should ask themselves suggests, the job of making the changes necessary to meet those needs is complex. For example, that job will pose not only a business and compliance challenges, but will also require significant operational and IT considerations,”” the paper concludes. Share in Data, Origination, Secondary Market, Servicing Agents & Brokers Attorneys & Title Companies Compliance Consumer Financial Protection Bureau Investors Lenders & Servicers Mortgage-Backed Securities QRM Regulation Service Providers 2013-09-23 Tory Barringer