Obama: No "blank check" to American taxpayers on Wall Street bailout

By: Lowell
Published On: 9/21/2008 2:09:22 PM

This is what Sen. Obama had to say earlier today in Charlotte, NC about the nation's financial crisis and the plan to deal with it. I agree with the comment here that Obama's "instincts are pointing him in the right direction."  (bolding added by me)

As of now, the Bush Administration has only offered a concept with a staggering price tag, not a plan. Even if the U.S. Treasury recovers some or most of its investment over time, this initial outlay of up to $700 billion is sobering. And in return for their support, the American people must be assured that the deal reflects the basic principles of transparency, fairness, and reform.

First, there must be no blank check when American taxpayers are on the hook for this much money.

Second, taxpayers shouldn't be spending a dime to reward CEOs on Wall Street.

Third, taxpayers should be protected and should be able to recoup this investment.

Fourth, this plan has to help homeowners stay in their homes.

Fifth, this is a global crisis, and the United States must insist that other nations join us in helping secure the financial markets.

Sixth, we need to start putting in place the rules of the road I've been calling for for years to prevent this from ever happening again.



Comments



Jim Webb has some thoughts as well (Lowell - 9/21/2008 2:14:41 PM)
Webb Urges Stronger Regulatory Structure & Cap on Executive Compensation in Government Bailout Plan

WASHINGTON, DC - Senator Jim Webb (D-VA) on Saturday evening urged that any legislation granting the federal government the authority to purchase $700 billion in bad assets include a strengthened regulatory structure to prevent future market instability and a cap on executive compensation in companies being rescued by the American taxpayer.

Webb advocated these two provisions in a letter to Senate Banking Committee Chairman Chris Dodd over the weekend while some members of Congress met on Capitol Hill to assess the financial rescue plan offered by the White House.

"It is inarguable that the regulatory structure now in place has not protected either our financial system or the U.S. taxpayer," said Webb. "The administration is asking for an unprecedented rescue of the most profitable institutions in America with the taxpayers footing the bill.  No bailout should occur without a return to increased regulation."

Webb also insisted that, if taxpayer money is being used to bail out an American company, the limit on compensation to the company's executives must be capped at the salary of senior federal government employees.

"We must ensure that executive compensation in those companies being rescued by American taxpayers is reasonable in scope, until this crisis has passed and the American taxpayers have been made whole," said Webb.

Webb has been warning for several years that the excessive practices on Wall Street were risking the United States' economic position in the world community and were unfair to the average worker.

"Executive compensation in the United States is outrageously out of proportion with any other period in our history, and with any other major country in the world today. Unless we insist on this basic principle of fairness, we will rightly risk the condemnation of our fellow citizens.  Further, as the government purchases securities using this new authorization, it must do so at true market value or less. To do otherwise would subsidize those who precipitated this crisis," said Webb.

To read the full letter sent by Senator Webb to Chairman Dodd, visit: http://webb.senate.gov/pdf/ban...



Obama has plenty of ammunition (Dan - 9/21/2008 2:21:59 PM)
With their first debate on Friday, Obama has plenty of ammunition and outrage to express to the Republican establishment.  After years of Republicans falsely touting "at least Bush hasn't screwed up the economy", how much credibility do they have now?  I would expect Obama to have at least 10 to 15 different talking points about the economy which he can use to deflate John McCain at will.  Make no mistake, this is an economic crisis under the Republicans watch.  They bragged about the housing boom, when most of us knew it wasn't going to last.  The bragged about the DOW when it high numbers that in no way reflected the long-term challenges in the economy.  

I think we should rename the Republican Party to Corporate Socialist Party.  



I think we should rename the Republican Party to Corporate Socialist Party. (relawson - 9/21/2008 2:25:42 PM)
I agree.  And this is an accurate description.


Corporate Socialist (Lowell - 9/21/2008 2:25:49 PM)
plus religious right on social issues and neoconservative foreign policy. What a combination!  What a party!


But Friday's Debate is on Foreign Policy (Glant - 9/21/2008 3:57:17 PM)
not domestic agendas.  Obama will have to save his economy points for the last debate.


Fascinating analysis (Lowell - 9/21/2008 2:32:30 PM)
here.  Agree or disagree with Stirling Newberry, his thoughts are always well informed and fascinating...


Say "No" to Bush. (jsrutstein - 9/21/2008 3:28:10 PM)
It's a long hard slog, but I not only join Lowell in recommending Newberry's piece, but also am willing to endorse Newberry's fundamental position.

"[W]e are not in the moment of true catastrophic financial failure. Hence there is no reason to not make this as hard a bargaining process as possible."

It is up to us and our elected representatives to call Bush's bluff.  We and they didn't in 2002, and it resulted in the biggest foreign policy blunder in U.S. history.  If we and they fail again, I shudder to think what could result, even if we later elect Obama.



Newberry also said (relawson - 9/21/2008 3:40:23 PM)
That Democrats should put their own bill on the table.  We are the majority - stop letting Republicans push us around on these matters.  

If we are truly in a mess, Republicans would be happy to give up golden parachutes and unreasonable executive pay packages.  They should be happy to give tax payers something of value in return.

We have leverage right now and we should use it.  Republicans are trying to give away our money and want us to expect nothing in return.  Shame on them!

Democrats should indeed put their own bill on the table.  If they are really that desperate they will take whatever is offered.



Is it OK to laugh at Lowell's comments? (Shenandoah Democrat - 9/21/2008 2:42:18 PM)
Obama and Barney Frank are right.
I'd only add this whole situation is disgusting, especially now that the rethugs are going to blame the congressional Democrats for holding up their socialist take-over of the economy.
Wake up rethugs--we're all SOCIALISTS NOW!
Earlier comments about privitization of profit and socialization of risk are absolutely right on. What's amazing about these corporate anti-regulation Republicans is I haven't heard a single word of contrition or remorse--they've brought western civlilization to the brink, according to the Bush Administration, yet not a single person has come forward and said, hey I take some of the blame. What a weak response.  


I think a trillion dollars is worth fighting over - put the brakes on this legislation (relawson - 9/21/2008 2:51:56 PM)
I have been a tad bit more of a fighter when it comes to this issue - exchanging verbal blows with txvadem.  I respect txvadem, and don't want exchanges to turn into personal attacks and flame wars - and I don't think it will between us because we are more restrained in our comments.

That said, if we are going to have a fight, this is what we need to be fighting over.  We can't allow possibly a trillion dollars to be spent without a very thoughtful debate.  I think that we have a duty to debate this issue amongst ourselves.  Blogs (and I think this is a good thing) now influence political decisions.

Kos, RK, and the other blogs need to really duke this issue out and I think progressives need to quickly arrive at some sort of agreement as to the best approach.

Otherwise, this administration is going to push our Congress into a midnight vote which will amount to a give away of our tax dollars and won't solve core problems (just hide them).

And just like we need to debate this, even more importantly Congress needs to debate this.  Nothing scares me more than this sudden bipartisanship.  It reminds me of the group-think that occured before the Iraq war.  I want members of Congress to literally fight over this issue.  It should be a struggle - because frankly it's not an easy problem.  We need debate - being the "opposition" requires that people think through these issues more carefully.

It's important that we quickly address the problem.  But it is equally important that we have a solution that will work and not turn into a scandal.  We need to put the brakes on this thing and make sure this issue is properly debated.



Credit Default Swaps = Ponzi Pyramid Scheme (FMArouet21 - 9/21/2008 11:55:47 PM)

We have a much bigger problem than the sub-prime mortgages or even the first level of "securitized" sub-prime mortgages themselves. We have an entire industry of derivatives, notably credit default swaps (CDS), which Warren Buffet regards as "financial weapons of mass destruction."

The CDS market Ponzi pyrmaid which overlays the $1.3 trillion or so basic sub-prime mortgage securities market seems to amount to about $62 trillion.

This is basically Monopoly money conjured up by speculators to make a lot of paper profit out of a little investment in their Big Wall Street Casino. Who intervenes when this astronomically leveraged CDS pyramid locks up and then tumbles down? Not merely who, but how?

Could we have some adult economic supervision, please?

We should be talking about tarring, feathering, indicting, trying, convicting, and imprisoning these sociopathic, deregulating looters--not rewarding them by covering their gambling losses.



Bernie Sanders' Suggestion... (Elaine in Roanoke - 9/21/2008 3:25:23 PM)
Bernie Sanders, the only "socialist" in the U.S. Senate, has suggested we partially pay for the bailout of the greedy few by taxing them. He has suggested a 10% income tax surcharge on all couples making more than $1 million and individual making more than $500,000 a year.

The plan would raise more than $300 billion of the money needed for the bailout. Sounds like a plan to e...



i believe the philosophy of republicans is (pvogel - 9/21/2008 5:50:33 PM)
Privatize , protect,profits
Socialize, forgive, losses.



Help homeowners stay in their homes (tx2vadem - 9/21/2008 7:40:37 PM)
If the government is going to pay someone else's mortgage, I would like for them to pay mine as well.  If the government is going to restructure someone else's loan terms, than I would like them to restructure mine as well.  But I am going to guess that all people who hold mortgages will not get anything out of this.  

The rest are good ideas.  Time is of the essence though.  And I am afraid all of what is desired will not fit into a plan to address this one problem.  And if it is, it will most likely not get through this Congress.  And when more shit hits the fan, the spin machine will be saying that Democrats twiddled their thumbs while the economy crumbled around them.  It's an unfair accusation sure, but what will stick in voters minds?  More economic misery or an argument from Democrats that they weren't going to bail-out Wall Street fat cats?  Just food for thought.



The last two pure investment banks are no more (tx2vadem - 9/21/2008 10:30:48 PM)
Morgan Stanley's and Goldman Sachs's applications to become Bank Holding Companies have been approved.  Both now have greater access to capital through the Federal Reserve system.  Both will now become regulated like banks by the Federal Reserve primarily.

So, there it is folks, the days of pure investment banks and trading firms are over.  The time of one-stop shopping giant multi-national bank holding companies is upon us.  And us without a modern regulatory infrastructure to regulate them.  Oops!  Behold the visage of Bank of America, JP Morgan Chase, and Citigroup and despair!



We all seem to agree, for once (Teddy - 9/22/2008 9:17:10 AM)
on at least these points:
1) Don't let Bush and Co. hurry us into a quick decision on his proposal
2) The Democrats must ensure that any "reform" legislation keyed to the current crisis includes help for individual homeowners
3) Congressional oversight and transparency of any bailout from the public Treasury is absolutely essential---- no more unconstitutional abdication of powers from the legislative to the executive branch ever again
4) Bush's planned legislation is not necessarily the framework that should be used to create the bailout legislation (who the hell trusts anything he proposes nowadays---- there is sure to be a timebomb or a trick buried slyly within it)  

Most everyone also seems to prefer that executive compensation and golden parachutes of the top dogs at the guilty institutions be curbed, and any new regulations NOT written by the guilty parties be crafted with due care and diligence in a timely fashion. I personally like the idea that we pay for any bailouts at least in part by taxing some of those top dogs' outrageous compensation (go, Bernie!). There is massive, massive transfer of wealth coming in this country, bigger than what happened under the RTC after the Savings and Loans went belly up, and it is time to keep the looting class from being the beneficiaries.

Frankly, I do not want to let this opportunity pass for progressives to tackle the entire corrupt business philosophy which created this mess, and whose practitioners seem so eager to write up any "reforms;" I do not believe we can trust them not simply to do only as much fiddling as necessary to save their hides and that of their buddies, without changing anything fundamentally.