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ericvick · 5 years ago

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Servicing, Appraisal, eClose Products; Agency, USDA, Investor, Lender Changes Aren't Stopping

Servicing, Appraisal, eClose Products; Agency, USDA, Investor, Lender Changes Aren’t Stopping

As the market looks at this morning’s Federal Reserve huge aid package announcement, while in captivity/quarantivity, testing yourself is important. Someone told me this week, “Hey, we’re trying to stay alive, not sober and skinny! I’m well on my way to putting on my ‘quarantine 15’ or my ‘Covid 19.’” I never realized how much I’d miss going into a restaurant, sitting down, looking at a menu, and ordering. And there were other people in the room doing the same thing! Enjoy every sandwich. Speaking of ingredients, regrettably, wet markets (selling live animals) are very present in New York City as this two-minute video shows. (Warning: you will veer toward becoming a vegetarian after watching this.) So as not to end paragraph on this bitter note: “Quarantine Day 28: Went to this restaurant called THE KITCHEN. You have to gather all the ingredients and make your own meal. I have no clue how this place is still in business.” And how ‘bout Steph Curry calling an ICU?

Lender Services and Products

During this unprecedented time with the COVID-19 pandemic, Parkside Lending hopes that you and your families are staying safe and healthy. We would also like to thank all those who are tirelessly working to keep our communities safe and functioning. To show our gratitude, Parkside Lending is rolling out a “COVID-19 Community Heroes Special” for all Fannie Mae Loans where Parkside will waive fees paid to Parkside as well as providing a 45-day lock for the price of a 30-day lock. To all the Medical Workers, Police, Firefighters, Teachers, First Responders, Grocery Employees, Service Station Attendants, Package Distribution Employees, and many more qualifying professionals that are going to work every day, on the front lines, to provide essential services, we thank you! For more Details about Parkside Lending’s COVID-19 Community Heroes Special, and to obtain a list of the qualifying professions, please contact your Parkside Lending AE.

Anyone looking to cut expenses right now, should look at OptiFunder. Its patented optimization engine has proven to cut the cost of warehouse funding by 10%. Contact Brian Abbott for more information.

Become the most valued option around. Now, potentially more than ever, borrowers are looking for the perfect loan. As an independent mortgage broker, you have endless options to match their situation and needs. You also possess industry-leading technology that speeds up every part of the process and puts it all online, which leads to happier clients and real estate partners. To learn more about all that working in wholesale lending has to offer, visit BeAMortgageBroker.com.

“Finance of America Mortgage realizes that now may be a confusing time for many borrowers who are approaching their loan’s closing date. Rest assured, we are taking every precaution to help keep our borrowers, their families, and our team members safe and healthy while maintaining the same level of excellence you’ve come to expect from us. That is why we are excited to announce the eClose process from Finance of America Mortgage. eClose is a digital client experience for closing on your purchase or refinance. This new closing process will help ensure the safety of both the borrowers and their closing agent. eClose allows borrowers to review and sign virtually all of their closing documents from the safety of their homes. Join Finance of America Mortgage today and save your clients time, paper, and energy with eClose.”

COVID-19 concerns are developing rapidly and becoming increasingly critical. Consequently, many credit unions and banks are becoming limited when ordering appraisals and valuations because appraisers want to stay safe through social distancing. Your origination pipelines do not need to slow down or become blocked! Verisite keeps loan pipelines moving and reduces appraisal cancellations because its mobile nature promotes social distancing, so appraisers stay safe. The Verisite mobile app allows homeowners to take interior property photos themselves, then securely transfer interior photos and descriptions to appraisers for their reports. Verisite has been used by lenders for years, reduces fraud by validating the photo location, and has processed and completed thousands of interior and exterior inspections.

Schedule a demo with Credit Information Systems (800) 782-9094. Call or click here today.

SRP’s recently hit zero, but current MSRs do have economic value. Utilizing a smart asset allocation and retaining the right MSR’s creates income diversification and reduces risk as a lender. IMA, a full-service mortgage advisory firm, and PollyEx Inc., a leading provider of capital markets software, have partnered to create an integrated solution for agency sellers to analyze and determine the best execution across retained, released, co-issue and aggregator delivery at the loan level. Utilizing their Cash Flow Management tool, IMA builds lenders a custom portfolio model while forecasting cash needs and minimizing credit and liquidity risk. PollyEx’s platform uses real-time data, API’s and pricing sheets from whole loan and servicing buyers and combines that with IMA’s servicing models to provide a real-time value for both the loan and SRP, giving lenders the best execution visibility across all delivery methods. Contact PollyEx or IMA to learn more about this powerful solution.

The Coronavirus Changing our Industry

Navigating investor and regulatory requirements is challenging at the best of times — let alone now, with things changing on an almost-weekly basis in response to the pandemic. If you’ve been white knuckling your way through the crisis, don’t miss today’s pandemic compliance webinar featuring expert guidance from Johnston Thomas law firm’s James Brody. Curated by LBA Ware CEO Lori Brewer, “Keep Calm, Keep Compliant: Regulatory Resilience During a Pandemic” will cover Payroll Protection legislation, long-term sick leave, EPDs, EPOs, forbearances, LO comp, consumer privacy and data security best practices and more. Register here ahead of the 1:30 pm ET (10:30 am PT) start time.

In news that could relate to Wells Fargo Funding’s (correspondent) re-thinking its decision to exit jumbo lending, the Federal Reserve is temporarily “letting Wells Fargo out of the penalty box, freeing the troubled bank to aggressively lend to small businesses struggling to survive the coronavirus crisis.”

We await that news although Fannie has said that a loan entering early payment default status will not result in an automatic repurchase request. See Q68. Not exactly the same question the industry is asking, but this is what they’ve provided.

Speaking of which, Freddie and Fannie released their latest guidance that the industry is perusing. Don’t forget that there are loan lookup tools to determine if Fannie Mae or Freddie Mac are the current investor of the existing mortgage: Fannie Mae Loan Lookup tool or the Freddie Mac Loan Look-Up tool. Rumors have the FHFA releasing additional guidance on loans in forbearance by weekend. Perhaps they’ll waive all EPD tenants on loans in forbearance in certain circumstances, and also allow closed loans from a certain date onward that subsequently went into forbearance after closing to still be saleable until a certain date?

In a TMC survey taken this week a significant impact would be felt by respondents if mortgage servicers are not given access to a liquidity facility to help them advance unmade monthly P&I payments to mortgage bond holders. A significant impact (some said “catastrophic”) would also be felt if investors failed to purchase (or demanding repurchase on) loans closed properly that went into forbearance post-closing.

loanDepot’s Anthony Hsieh will be a featured guest on Fox Business News’ Neil Cavuto: Coast to Coast sometime between 9:00-9:30am PT today.

USDA Rural Development has taken a number of immediate actions to help rural residents, businesses and communities affected by the COVID-19 outbreak.

Caliber addressed Government Appraisal Guidance. “Effective immediately… Caliber is aligning with Appraisal guidance based on recent FHA Mortgagee Letter 2020-05, VA Circular 26-20-11, and USDA Stakeholder Announcement dated March 27 announcements.

BB&T Correspondent (Truist?) let everyone know that beginning yesterday it will temporarily suspend BB&T’s jumbo/non-conforming loan program. “We will honor all loans locked prior. Relocks will not be permitted; however, extensions will continue to be allowed. At this time, the guidelines, SRP schedules and rate sheets will still reference this program, as we do see this as a temporary measure.”

Equifax notified clients that the IRS Service Center in Kansas City will not re-open April 9th as anticipated, nor has an expected re-open date been set. The closure of the Fresno, CA facility combined with Kansas City closure is expected to result in processing-returns delays of at least two weeks. Equifax will “continue to receive, process and hold 4506T orders as they are received. Our intent is to release the orders in sequence, in coordination with the IRS as they re-open and begin to process again.”

In Pennsylvania there is new guidance for appraisers, notaries, title companies and home inspectors for transactions started prior to March 6, 2020.

Associated Bank TPO sent out 8 pages of small print detailing its set of changes to Associated’s portfolio guidelines and pricing. “Guideline changes are effective with applications registered in ELC and pricing changes are effective with new locks on or after Good Friday. (For full details, look at the actual announcement.) Portfolio Guideline Changes: Minimum credit score = 720. Maximum Loan-to-Value = 90% (see matrix for updated MI coverage requirements). Maximum Debt-to-Income ratio = 43%. No longer offering cash-out refinances (any LTV). No longer offering the use of asset-based income (f/k/a asset depletion). No longer offering 5-year ARMs. With the exception of new construction, all applications utilizing pre-April 10 guidelines must close by June 1, 2020.

“Portfolio Pricing Changes: Maximum premium paid on portfolio = 102.00. No longer offering the 75-bps purchase pricing special on portfolio. LPMI and BPMI Single Pay options will no longer be available on Wholesale loans. Your lock status does not affect your ability to utilize pre-April 10 credit parameters. Pricing changes are independent of credit guideline changes. The aforementioned changes do not impact our portfolio CARE program.”

CIT? “Effective immediately we are suspending the requirement for tax transcripts. CIT continues to require the signed 4506-T at loan closing as reflected in the Seller Guides… verbal verification of employment confirming the borrower’s employment state is required for all borrowers whose income is used for qualification purposes. The VVOE is to be completed within 10 business days of the Note date (or funding date for escrow states) for wage income… we accept lender’s policies of title insurance written on the 2006 ALTA loan title insurance form or a local equivalent. Covered Risk 14 in the 2006 ALTA form includes ‘gap coverage’ for matters arising between the loan closing date and the mortgage recording date. We will accept this if there is no exception for this coverage under Schedule B of the policy.”

NewRez sent out 2020-044 with a multitude of guideline changes and requirements that “may be applied to existing loans in process but must be applied to loans with application dates on or after April 14, 2020 through May 17, 2020. Income and asset documentation must be 60 days old as of the Note date for all loans (existing and new construction): If an asset account is reported on a quarterly basis, the lender must obtain the most recently issued quarterly statement. No changes have been made to the age of documentation requirements for military income documented using a Leave and Earnings Statement, Social Security, retirement income, long-term disability, mortgage credit certificates, public assistance, foster care, or royalty payments. Refer to the agencies’ guidelines for full details.

“Information in third-party employment verification vendor’s database, when using for income and employment documentation, must be no more than 60 days old as of the note date (for VVOE guidance, refer to NewRez Announcement 2020-026). Due to the federal income tax filing extension granted through July 15, 2020, the following documentation is not required: Copy of the IRS Form 4868 (Application for Automatic Extension of Time to File U.S. Individual Tax Return), and IRS Form 4506-T (Request for Transcript of Tax Return) transcript confirming “No Transcript Available” for the 2019 tax year.

NewRez also addressed verification of self-employment… verification that the borrower’s business remains operational must be done within 10 days of the Note date. Included: evidence of current work (executed contracts or signed invoices that indicate the business is operating on the day the lender verifies self-employment); evidence of current business receipts within 10 days of the note date (payment for services performed); lender certification the business is open and operating (lender confirmed through a phone call or other means); or business website demonstrating activity supporting current business operations (timely appointments for estimates or service can be scheduled).

Capital Markets

Our markets trade off of health news. Globally the COVID-19 cases are now at 1.4 million people infected and 82,000 deaths. The U.S. has 400,000 cases and 13,000 deaths; Manhattan now has more people testing positive than any country. (In the U.S., the annual flu season results in about 35 million being sick and 30,000 deaths – think of those numbers hitting our emergency rooms!)

Good news: Denmark, Norway and Austria are now looking at easing some of its lockdown restrictions in the coming days as Wuhan, China, where the coronavirus originated, is no longer on lockdown. As volatility in markets has declined this week, the street seems to be looking towards the proverbial light at the end of the tunnel when it comes to the coronavirus pandemic. Those positive coronavirus headlines included Dr. Fauci saying numbers of projected U.S. deaths are going to be downgraded following latest modeling, and that the outbreak should begin to turn around after this “bad week.”

Not that they are linked to MBS prices as much as they were, but U.S. Treasuries pulled back again, as they have each day this week, including the 10-year yield closing the day +3 bps to 0.76 percent. For those that believe a yield curve-flattening signals “recession,” a steepening took place yesterday against that backdrop of optimistic coronavirus headlines, as well as a well-received $17 billion 30-year bond reopening, a broad-based rally in the stock market, and the release of FOMC Minutes from the emergency March 15 meeting that revealed a willingness on the part of Fed members to keep rates low and to provide accommodative policy support for an extended period.

Today’s economic calendar received another eye-popping jobless claims report (6.6 million, huge but not a record), though these record-setting figures will be the norm for the foreseeable future, unfortunately. We’ve also seen PPI for March, in at (-.2 percent, +.2 percent core). Later this morning brings Wholesale Inventories for February and preliminary April Michigan sentiment. After yesterday’s release of the Fed minutes from its emergency meeting last month, we have Fed Chair Powell’s economic update. The early settlement close at 1:00pm ET will be followed by the cash close an hour later before Good Friday tomorrow, but Fed speak continues with San Francisco’s Daly this evening. Despite the early close, the Desk will still purchase up to $25 billion in MBS as they have done every day this week, but over four FedTrade MBS purchase operations instead of the usual six. We begin today with Agency MBS prices better by .125 and the 10-year yielding .74 percent.

Employment and Business Opportunity

Last month, Thrive Mortgage announced the addition of Marla Guillaume as the new head of Thrive’s Multi-Channel Origination Division. Since then, Guillaume has added powerful industry veterans to her team to lead the company’s growth in the eastern U.S. Kyle Brady, the Kentucky Region’s newest Branch Manager, is joined by Chris Hampton, David Gnadinger, Mark Smith, and Chris Palmer, all of whom bring vast years of experience. In addition, Thrive’s Operations Department has added to its all-star team with veteran Underwriters Steve Hamm, Lorne Snyder, Ginger Hamm, and Heather Brunetti. “The growth opportunities for Thrive in Kentucky and much of the eastern U.S. could not be more exciting,” stated Guillaume. “I’m thrilled to add such an experienced team of professionals to be a part of the Thrive Culture.” For more information about available opportunities in your market area, write to Chris Karageorge or visit Thrive Mortgage.

As we are all adjusting to life and work in a completely new and unprecedented environment, AmeriHome continues to adapt and thrive. AmeriHome has taken actions to protect its employees, clients, and communities, as well as to ensure business continuity. The vast majority of AmeriHome’s staff has moved to secure, remote workstations, and despite these adjustments, AmeriHome has maintained its productivity and service levels. The expert executive team is monitoring the critical issues that have an impact on their own practices as well as providing relevant information for AmeriHome’s clients and partners. AmeriHome’s leaders participate in committees with all of the agencies and are represented on the Residential Board of Governors of the MBA, ensuring they have the most up to date information. They are committed to being there for their clients and partners, and to continuing to deliver the top-tier service AmeriHome is known for. To receive all of its latest updates follow the AmeriHome Correspondent LinkedIn page. AmeriHome is also looking to fill some critical roles, so please be sure to check out the careers section on its website.

Guaranteed Rate is seeking acquisition opportunities with mortgage companies looking to maximize profitability. Guaranteed Rate, the 3rd largest retail lender in the country, experienced record growth in 2019, creating a great opportunity to partner with likeminded leaders looking to take advantage of our expertise and economies of scale. If you are an owner or CEO of a mortgage company that is looking for better pricing, increased profitability, lower risk and much less stress and hassle, we urge you to e-mail Mark Filler or call him at (773) 516-6979 to learn more about integrating your business into our platform.

“As the mortgage market is buffeted by growing volatility caused by the coronavirus pandemic, we understand that lenders and servicers need strategic support to successfully weather the storm. Whether it’s taking over your day-to-day mortgage production operations on an interim or full-time basis, or helping absorb and/or temporarily relocate employees to new assignments, we act as your strategic partner, preserving your business and your employees during these challenging times and helping you meet strategic business objectives both over the short and the long term. Contact Anjelica Nixt to learn more.”

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appdevelopmentinusa-blog · 7 years ago

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App Development Pittsburgh: App OS will support

App OS will support Android applications

From make it easy for App OS users to make use of Android applications on their devices is betting strongly on its operating system App OS. Although it has extensive monitoring by the developer community, they know that betting on the compatibility with resources of other operating systems can report to App OS important benefits. For this reason, CEO of , has made official the compatibility of its operating system with Android applications.

Users can find more App Development on Free Classified Website in USA for many cities in USA like: App Development Chandler, App Development Mesa, App Development Tucson, App Development Anaheim, App Development Bakersfield, App Development Chula vista, App Development Fremont, App Development Fresno, App Development Irvine, App Development Long Beach, App Development Oakland, App Development Riverside, App Development Sacramento, App Development Santa Ana, App Development Stockton, App Development Miami, App Development Orlando, App Development St. Petersburg, App Development Tampa, App Development Atlanta, App Development Aurora, App Development Rockford, App Development Fort Wayne, App Development Detroit, App Development Cincinnati, App Development Cleveland, App Development Toledo, App Development Allentown, App Development Pittsburgh, App Development Arlington, App Development Corpus Christi, App Development El Paso, App Development Fort Worth, App Development Laredo, App Development Richmond, App Development Seattle, App Development Spokane, App Development Washington, App Development Buffalo, App Development Rochester, App Development Yonkers, App Development Charlotte, App Development Raleigh, App Development Greensboro, App Development Newark, App Development Phoenix, App Development Los Angeles, App Development San Diego, App Development San Francisco, App Development San Jose, App Development Jacksonville, App Development Chicago, App Development Indianapolis, App Development Columbus, App Development Philadelphia, App Development Austin, App Development Dallas, App Development Houston, App Development San Antonio. and users can Post Free Classified Ads without registration in USA on these classified websites.

Android applications This announcement comes coinciding with the opening of the second period of reserves of terminals, which will presumably reach the market during the last weeks of October. With this support, App OS makers are intent on grabbing users' attention and convincing those who favorably viewed 's smart phones but were unsure of the variety of its apps ecosystem.

Users can find more Mobile App Development on Free Classified Website in USA for many cities in USA like: Austin Mobile App Development, Chicago Mobile App Development, Columbus Mobile App Development, Dallas Mobile App Development, Houston Mobile App Development, Indianapolis Mobile App Development, Jacksonville Mobile App Development, Los Angeles Mobile App Development, Philadelphia Mobile App Development, Phoenix Mobile App Development, San Antonio Mobile App Development, San Diego Mobile App Development, San Francisco Mobile App Development, San Jose App Development, and users can Post Free Classified Ads without registration in USA on these classified websites.

But how can App OS users install Android applications on their terminals if they cannot access Google Play from them? In the words of since are working with other important Marketplaces mobile applications to ensure future users of App OS that will be able to install the Android apps they want and without any problems of operation. In fact, the company CEO has ensured that the Android versions of Instagram, WhatsApp and Specify already work stably on App OS terminals.

#App Development Cleveland #App Development Toledo #App Development Allentown #App Development Pittsburgh #App Development Arlington #App Development Corpus Christi #App Development El Paso

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rocketupmedia-blog · 6 years ago

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Rocket Media is top WordPress Development Company Fresno. We build a very strong competency in WordPress development, customization WordPress design and website according to your business. We will provide services in your budget.

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s4g2webdesign-blog · 4 years ago

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Why Your Business Needs a "Responsive Web Design"

Today, the web is not only limited to desktop. According to Statista, there won't be less than 2.9 billion smartphone users by the end of 2019. With the "ever increasing" number of smartphone users daily, more and more people are browsing internet solely via smartphones. Yes, more than 60% of searches online now come from a mobile device.

Can you remember the last time you visited any website on your smartphone and shut that website simply because it was not looking good on the screen of your smartphone? It was likely not a pleasant experience. What if that was your website? You would be feeling nauseous about it.

Responsive web design isn't a fashion anymore, rather it's a must. Today, if your website isn't efficient enough to serve screen of multiple devices, it's going to incur you lose in ways you might haven't imagined. Hence, it is very essential for you to have a "responsive web design" for your blazing idea.

When it all started...

It was the year of 2010, when a web designer named, Ethan Marcotte first coined the term, "responsive web design." In those days, web developers used to build different sites to accommodate all the tribes of devices out there in the market.

With the increasing number of "tribes" of devices, this way didn't seem much efficient to create websites. That is when the trend of responsive web design came to life.

"Responsive web design offers us a way forward, finally allowing us to design for the ebb and flow of things."

-Ethan Marcotte

After all What's the Definition of Responsive Web Design?

According to Ethan, a responsive design is composed of three distinct parts:

1. A flexible grid.

2. Flexible images. Or more specifically, media that works in a flexible context (whether fluid themselves, or perhaps controlled via overflow).

3. Media queries. The final layer of a responsive design, media queries optimize the design for different viewing contexts, and spot-fix bugs that occur at different resolution ranges.

"A responsive design simply means a website that feels great on any device of your choice."

Here's Why You Should Consider the Thought of Having a Responsive Website:

Because it looks amazing! The first compelling reason you should consider the thought of having a responsive website is because responsiveness can make your site look simply amazing!

Having a responsive website, can also help to engage your users, thereby leaving them with a good impression about your brand as a whole.

1. Deliver Excellent UX:

With a responsive website, you can deliver the most luxurious user experience to your end users. No one likes to sit in front of an "ever loading" broken or a shrunken website. With a responsive design, you can deliver the most amazing UX that will make your users fall in love with your brand. Today, most of the web design companies offer responsive website design to better serve their clients.

2. Reach the Farthest End of the Corner:

With a responsive website design, you can reach people who don't have the luxury to surf internet via a personal computer. Responsive web design will help you address all the users out there searching for you. This can help to increase traffic on your website. Not only that, it will also help you to boost your ranking in Google.

3. Reduce Maintenance Cost:

Initially, if you were to hire a website design company they would create two separate versions for any website - one for mobile and the other for desktop devices. What this did was it increased the overall effort and maintenance cost for keeping both the versions updated. However, if you have a responsive web design, you will be able to manage your website much efficiently and easily, with least resources.

Final words, now you know how crucial it is to have a responsive web design for your website. If you want your business to grow in leaps and bounds, you must consider the thought of having a responsive website. If you want help in making your website responsive, there are many companies out there who offer responsive web design services to help you make your website look exceptional.

Companies that offer responsive web design services can also help you in building a separate mobile app for your website that can help you grow your business up to no limits.

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thetopmobileappdev · 5 years ago

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Best Enterprise Mobile App Development Companies in Fresno

Are you looking for top mobile app development companies in Frenso? We have listed app development companies to hire for your enterprise app development.

#Mobile App Development Companies #App Development Companies in Frenso #Website Development Frenso #Mobile App Development Company #Application Development Company Frenso

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cyber-puzzle-net · 3 months ago

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Meet the team of experts for Digital Marketing Services

Take your business to the next level with our comprehensive Digital Marketing Services. Our team of experts will help you develop a winning strategy to increase brand awareness, drive website traffic, and generate high-quality leads. We'll work closely with you to understand your unique goals and objectives, and create a tailored approach that meets your specific needs,.

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topdiyhub · 6 years ago

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Facebook and Google were far from the only developers openly abusing Apple’s Enterprise Certificate program meant for companies offering employee-only apps. A TechCrunch investigation uncovered a dozen hardcore pornography apps and a dozen real-money gambling apps that escaped Apple’s oversight. The developers passed Apple’s weak Enterprise Certificate screening process or piggybacked on a legitimate approval, allowing them to sidestep the App Store and Cupertino’s traditional safeguards designed to keep iOS family-friendly. Without proper oversight, they were able to operate these vice apps that blatantly flaunt Apple’s content policies.

The situation shows further evidence that Apple has been neglecting its responsibility to police the Enterprise Certificate program, leading to its exploitation to circumvent App Store rules and forbidden categories. For a company whose CEO Tim Cook frequently criticizes its competitors for data misuse and policy fiascos like Facebook’s Cambridge Analytica, Apple’s failure to catch and block these porn and gambling demonstrates it has work to do itself.

Porn apps PPAV and iPorn (iP) continue to abuse Apple’s Enterprise Certificate program to sidestep the App Store’s ban on pornography. Nudity censored by TechCrunch

TechCrunch broke the news last week that Facebook and Google had broken the rules of Apple’s Enterprise Certificate program to distribute apps that installed VPNs or demanded root network access to collect all of a user’s traffic and phone activity for competitive intelligence. That led Apple to briefly revoke Facebook and Google’s Certificates, thereby disabling the companies’ legitimate employee-only apps, which caused office chaos.

Apple issued a fiery statement that “Facebook has been using their membership to distribute a data-collecting app to consumers, which is a clear breach of their agreement with Apple. Any developer using their enterprise certificates to distribute apps to consumers will have their certificates revoked, which is what we did in this case to protect our users and their data.” Meanwhile, dozens of prohibited apps were available for download from shady developers’ websites.

Apple offers a lookup tool for finding any business’ D-U-N-S number, allowing shady developers to forge their Enterprise Certificate application

The problem starts with Apple’s lax standards for accepting businesses to the enterprise program. The program is for companies to distribute apps only to their employees, and its policy explicitly states “You may not use, distribute or otherwise make Your Internal Use Applications available to Your Customers.” Yet Apple doesn’t adequately enforce these policies.

Developers simply have to fill out an online form and pay $299 to Apple, as detailed in this guide from Calvium. The form merely asks developers to pledge they’re building an Enterprise Certificate app for internal employee-only use, that they have the legal authority to register the business, provide a D-U-N-S business ID number and have an up to date Mac. You can easily Google a business’ address details and look up their D-U-N-S ID number with a tool Apple provides. After setting up an Apple ID and agreeing to its terms of service, businesses wait one to four weeks for a phone call from Apple asking them to reconfirm they’ll only distribute apps internally and are authorized to represent their business.

With just a few lies on the phone and web plus some Googleable public information, sketchy developers can get approved for an Apple Enterprise Certificate.

Real-money gambling apps openly advertise that they have iOS versions available that abuse the Enterprise Certificate program

Given the number of policy-violating apps that are being distributed to non-employees using registrations for businesses unrelated to their apps, it’s clear that Apple needs to tighten the oversight on the Enterprise Certificate program. TechCrunch found thousands of sites offering downloads of “sideloaded” Enterprise apps, and investigating just a sample uncovered numerous abuses. Using a standard un-jailbroken iPhone. TechCrunch was able to download and verify 12 pornography and 12 real-money gambling apps over the past week that were abusing Apple’s Enterprise Certificate system to offer apps prohibited from the App Store. These apps either offered streaming or pay-per-view hardcore pornography, or allowed users to deposit, win and withdraw real money — all of which would be prohibited if the apps were distributed through the App Store.

A whole screen of prohibited sideloaded porn and gambling apps TechCrunch was able to download through the Enterprise Certificate system

In an apparent effort to step up policy enforcement in the wake of TechCrunch’s investigation into Facebook and Google’s Enterprise Certificate violations, Apple appears to have disabled some of these apps in the past few days, but many remain operational. The porn apps that we discovered which are currently functional include Swag, PPAV, Banana Video, iPorn (iP), Pear, Poshow and AVBobo, while the currently functional gambling apps include RD Poker and RiverPoker.

The Enterprise Certificates for these apps were rarely registered to company names related to their true purpose. The only example was Lucky8 for gambling. Many of the apps used innocuous names like Interprener, Mohajer International Communications, Sungate and AsianLiveTech. Yet others seemed to have forged or stolen credentials to sign up under the names of completely unrelated but legitimate businesses. Dragon Gaming was registered to U.S. gravel supplier CSL-LOMA. As for porn apps, PPAV’s certificate is assigned to the Nanjing Jianye District Information Center, Douyin Didi was licensed under Moscow motorcycle company Akura OOO, Chinese app Pear is registered to Grupo Arcavi Sociedad Anonima in Costa Rica and AVBobo covers its tracks with the name of a Fresno-based company called Chaney Cabinet & Furniture Co.

You can see a full list of the policy-violating apps we found:

Apple refused to explain how these apps slipped into the Enterprise Certificate app program. It declined to say if it does any follow-up compliance audits on developers in the program or if it plans to change admission process. An Apple spokesperson did provide this statement, though, indicating it will work to shut down these apps and potentially ban the developers from building iOS products entirely:

“Developers that abuse our enterprise certificates are in violation of the Apple Developer Enterprise Program Agreement and will have their certificates terminated, and if appropriate, they will be removed from our Developer Program completely. We are continuously evaluating the cases of misuse and are prepared to take immediate action.”

TechCrunch asked Guardian Mobile Firewall’s security expert Will Strafach to look at the apps we found and their Certificates. Strafach’s initial analysis of the apps didn’t find any glaring evidence that the apps misappropriate data, but they all do violate Apple’s Certificate policies and provide content banned from the App Store. “At the moment, I have noticed that action is slower regarding apps available from an independent website and not these easy-to-scrape app directories” that occasionally crop up offering centralized access to a plethora of sideloaded apps.

Porn app AVBobo uses an Enterprise Certificate registered to Fresno’s Chaney Cabinet & Furniture Co

Strafach explained how “A significant number of the Enterprise Certificates used to sign publicly available apps are referred to informally as ‘rogue certificates’ as they are often not associated with the named company. There are no hard facts to confirm the manner in which these certificates originate, but the result of the initial step is that individuals will gain control of an Enterprise Certificate attributable to a corporation, usually China/HK-based. Code services are then sold quietly on Chinese language marketplaces, resulting in sometimes 5 to 10 (or more) distinct apps being signed with the same Enterprise Certificate.” We found Sungate and Mohajer Certificates were farmed out for use by multiple apps in this way.

“In my experience, Enterprise Certificate signed apps available on independent websites have not been harmful to users in a malicious sense, only in the sense that they have broken the rules,” Strafach notes. “Enterprise Certificate signed apps from these Chinese ‘helper’ tools, however, have been a mixed bag. Zoe example, in multiple cases, we have noticed such apps with additional tracking and adware code injected into the original now-repackaged app being offered.”

Porn apps like Swag openly advertise their availability on iOS

Interestingly, none of the off-limits apps we discovered asked users to install a VPN like Google Screenwise, let alone root network access like Facebook Research. TechCrunch reported this month that both apps had been paying users to snoop on their private data. But the iOS versions were banned by Apple after we exposed their policy violations, and Apple also caused chaos at Facebook and Google’s offices by temporarily shutting down their employee-only iOS apps too. The fact that these two U.S. tech giants were more aggressive about collecting user data than shady Chinese porn and gambling apps is telling. “This is a cat-and-mouse game,” Strafach concluded regarding Apple’s struggle to keep out these apps. But given the rampant abuse, it seems Apple could easily add stronger verification processes and more check-ups to the Enterprise Certificate program. Developers should have to do more to prove their apps’ connection with the Certificate holder, and Apple should regularly audit certificates to see what kind of apps they’re powering.

Back when Facebook missed Cambridge Analytica’s abuse of its app platform, Cook was asked what he’d do in Mark Zuckerberg’s shoes. “I wouldn’t be in this situation” Cook frankly replied. But if Apple can’t keep porn and casinos off iOS, perhaps Cook shouldn’t be lecturing anyone else.

Facebook pays teens to install VPN that spies on them

from Apple – TechCrunch https://tcrn.ch/2GF1QmM via apple

#IFTTT #Blogger

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fresnobizz · 2 years ago

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readersforum · 6 years ago

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Apple fails to block porn & gambling ‘Enterprise’ apps

New Post has been published on http://www.readersforum.tk/apple-fails-to-block-porn-gambling-enterprise-apps/