Two major newspapers just ran the same article and they don’t even know it.
The first is a piece from Gretchen Morgenson in Sunday’s New York Times. It’s about a type of derivative Wall Street banks have unloaded on cities and states across the country called an "interest rate swap." Swaps started as a way for local governments to shield against unpredictable interest rates. But, post-crisis, they’ve become a pure profit-maker for the big banks – paid for with our tax dollars. (To get a really good handle on what an interest rate swap is, you should check out Mike Elk’s piece at OurFuture.org.)
The second piece is a joint editorial from the city auditors of Oakland and Berkeley, written for the San Francisco Chronicle. In it, Oakland auditor Courtney Ruby discusses the difficult choices (read: cuts to services) that city leaders must now make to fill the multi-million dollar budget gap currently on the books.
Okay. Maybe not grounds for a plagiarism case here, but these articles are about the same thing. Consider: This year, Oakland’s budget deficit stands at $4.8 million. Also this year, the city will pay $5.2 million to Goldman Sachs for a swap deal they entered into a decade ago with the bank. In other words, Oakland could completely resolve the current deficit and stave off cuts with the money they’re paying to Goldman.
Dig deeper and the story gets even more infuriating. In 2005, Oakland actually paid off the underlying bonds on which they hold a swap contract with Goldman. But, even though the bonds no longer exist, the city is still required to pay Goldman the annual swap fee.
Goldman Sachs is, literally, doing nothing in exchange for this fee. The bonds – and the interest rate payments associated with them – are gone. So every penny the bank collects from the city is pure profit. And it will stay this way until the contract expires… in 2021. Oakland can’t terminate the agreement early unless they pay the $19 million Goldman Sachs will charge them in penalties – a tall order for an already cash-strapped city.
This story is not unique to Oakland. In the entire Bay Area, there’s an estimated $151 million being paid out in swap fees every year. The nationwide total is estimated to be around $28 billion.
We need to stop talking about which police officers to fire or what schools to close; we need to start talking about ending these bogus swap deals with Wall Street.
There’s already an investigation underway into whether Wall Street banks conspired to rig the deals they made with cities and states. But trying to wade through data on every deal made in every community across the country is next to impossible – and many of the details aren’t available to the public.
That’s why SEIU is calling on attorneys general across the country to publicly investigate the nature of the swap deals in their states. We need to account for every penny of our tax dollars lining the pockets of Wall Street executives instead of funding services in our communities.
We already bucked up and bailed out the big banks when they failed in 2008. We’re still reeling from it. We shouldn’t be forced to do it again – for the next 30 years – while our cities and states suffer.
Reminder: All opinions and statements here are my own and have not been reviewed by SEIU members or staff.



16 Comments




Peeked at MoveYourMoney.Info and saw “Moving Marylanders’ Money” ( http://moveyourmoney.info/archives/1559 ) which is a pretty big deal. California, Arizona and Nevada apparently are still anchoring the TARP recipients according to “Banking Battleground” (at http://moveyourmoney.info/archives/1548 ).
Yes! The Move Your Money stuff is awesome. It’s one piece of the puzzle and big leverage for local governments to pressure the big banks to renegotiate or cancel these swaps deals. Los Angeles just passed a bill giving 30 days for the banks to renegotiate their swaps deals or lose their business with the taxpayers.
I hear vampire squids are suing Goldman Sucks for defamation of character. Is there any truth to that rumor I just made up?
I heard that, too. I think I read that the giant vampire squid lobby (Americans for Blood-Free Oceans) is being forced to run ads to distance themselves from Goldman.
Um, saw this too:
“Over 140 U.S. lenders folded in 2009 alone. To remedy the financial void left in their wake, the Federal Deposit Insurance Corporation wants public pension funds, which safeguard the retirement funds of millions, to buy in part or in whole the banks that couldn’t manage to keep their depositors’ funds.”
– from “FDIC wants pension funds to prop up failed banks” ( http://rawstory.com/2010/03/fdic-pension-funds-prop-failed-banks )
Thanks DC(great handle *G*), especially about the LA vote; makes my job easier in the city in which I live.
Turns out not as many people as I would have thought played Hunt the Wumpus as a kid…
I saw that vampire squid in DC today! Took a picture of it, too!
let’s see, let’s see!
awesome protest, thanks Jason
I saw! Nice work – wish I could have been there.
This is one of the reasons that the TARP bailouts were nothing short of treason.
If Goldman and the rest were taken into receivership we could have torn up all this bogus crap.
Instead, Paulson and now Geithner are protecting the Squids tenticles.
Important diary… No, very important diary… I just got finished reading Naomi Klein’s 1999 book “No Logo”. It is as important as “The Shock Doctrine”.
Our salvation will be in municipalities fighting back. They do lose. But if somehow it is reported that they lost, people will see it and get mad.
It’s late. But Doug Henwood has a great article on how the “Move Your Money” movement might be just a tad bogus. Left Business Observer
Very interesting piece in LBO. I don’t actually totally agree that the Move Your Money campaign is a farce. It’s true that we’ve got to get at the deeper roots of the problem and, as the article states, that requires politics. But politics required an engaged and informed public – and I think MYM is helping to do that, and to remind banks of the political groundswell they face.
Having said that, the work we’ve been doing at the municipal level is the most exciting stuff I’ve been a part of in a long time. I agree with you 100% that this will be where we finally take root.
Of course, I will enthusiastically fight for and support sweeping, comprehensive reform at the federal level, too. But instead of holding our breath waiting for it, I think we should be out making stuff happen in our own communities.
Thanks for the thoughts and the article – very interesting.
Here’s the shot:
http://www.flickr.com/photos/healthcareforamericanow/4420237980/
(that’s not me next to it, though)
California supposedly has an economy the size of France (see http://strangemaps.wordpress.com/2007/06/10/131-us-states-renamed-for-countries-with-similar-gdps ).
Meanwhile, on March 3, 2010, “Stiglitz Sees Hedge-Fund Attacks on Greece Abating: Video” ( http://www.youtube.com/watch?v=25zxELNFOFc )
“On Tuesday [March 9, 2010], the EU announced that it was banning Wall Street banks from the lucrative government bond business in Europe.” – from “Economic Warfare? Europe versus Wall Street” by Michael Collins ( accessible at http://agonist.org/michael_collins/20100310/economic_warfare_europe_versus_wall_street )
Last year, the “SEC Charges California-Based Hedge Fund Manager for Operating Ponzi-Like Scheme” (accessible at http://www.sec.gov/news/press/2009/2009-144.htm ).
Since Corporate entities are chartered at the State level, why is the State of California not conducting a systematic review of the financial industry beginning with the obvious, most riskiest financial segment? Is there any reason that they can’t temporarily freeze California-based hedge funds and investigating their activities? Seems like the possibilities to get the State in hand from a financial systems perspective are endless.
Anyone in the know that can address this?
In today’s HuffPo, another good article– I can’t imagine that Americans AREN’T “demand[ing] a better deal from the pension funds and mutual funds that are supposedly working to ensure we have a decent income to retire on.” (from “The Road From Ruin: Wake Up, You Can Fix This Financial Mess” at http://www.huffingtonpost.com/matthew-bishop/the-road-from-ruin-wake-u_b_494599.html ). THAT would entail telling the FDIC “NOT!” given the recent article stating the “FDIC wants pension funds to prop up failed banks” ( http://rawstory.com/2010/03/fdic-pension-funds-prop-failed-banks ).
… And more sunlight from McClatchy on “Goldman’s offshore deals deepened global financial crisis” ( http://www.mcclatchydc.com/2009/12/30/81465/goldmans-offshore-deals-deepened.html ):
“McClatchy has obtained previously undisclosed documents that provide a closer look at the shadowy $1.3 trillion market since 2002 for complex offshore deals, which Chicago financial consultant and frequent Goldman critic Janet Tavakoli said at times met “every definition of a Ponzi scheme.”
The documents include the offering circulars for 40 of Goldman’s estimated 148 deals in the Cayman Islands over a seven-year period, including a dozen of its more exotic transactions tied to mortgages and consumer loans that it marketed in 2006 and 2007, at the crest of the booming market for subprime mortgages to marginally qualified borrowers.”
Shorter: Yea, our financial system is mostly one big PONZI SCHEME!