iPhone app iPad app Android phone app Android tablet app More

Featuring fresh takes and real-time analysis from HuffPost's signature lineup of contributors
Ellen Brown

Ellen Brown

Posted: February 6, 2010 09:15 PM

AIG-Gate: The World's Greatest Insurance Heist

What's Your Reaction:

Rumor has it that Timothy Geithner is on his way out as Treasury Secretary, due to his involvement in the AIG scandal that is now unraveling in hearings before the House Oversight and Reform Committee. Bob Chapman writes in The International Forecaster:

Each day brings more revelations of efforts of the NY Fed and Goldman Sachs to hide the details of the criminal conspiracy of the AIG bailout ... This is a real crisis on the scale of Watergate. Corruption at its finest.

But unlike the perpetrators of the Watergate scandal, who wound up facing jail time, Geithner evidently has a golden parachute waiting at Goldman Sachs, not coincidentally the largest recipient of the AIG bailout. At least that is the rumor sparked by an article by Caroline Baum on Bloomberg News, titled "Goldman Parachute Awaits Geithner to Ease Fall." Hank Paulson, Geithner's predecessor, was CEO of Goldman Sachs before coming to the Treasury. Geithner, who has come up through the ranks of government, could be walking through the revolving door in the other direction.

Geithner has been under the House microscope for the decision of the New York Fed, made while he headed it, to buy out about $30 billion in credit default swaps (over-the-counter derivative insurance contracts) that AIG sold on toxic debt securities. The chief recipients of this payout were Goldman Sachs, Merrill Lynch, Societe Generale, and Deutsche Bank. Goldman got $13 billion, roughly equivalent to its bonus pool for the first 9 months of 2009. Critics are calling the New York Fed's decision a back-door bailout for the banks, which received 100 cents on the dollar for contracts that would have been worth far less had AIG been put through bankruptcy proceedings in the ordinary way. In a Bloomberg article provocatively titled "Secret Banking Cabal Emerges from AIG Shadows," David Reilly writes:

[T]he New York Fed is a quasi-governmental institution that isn't subject to citizen intrusions such as freedom of information requests, unlike the Federal Reserve. This impenetrability comes in handy since the bank is the preferred vehicle for many of the Fed's bailout programs. It's as though the New York Fed was a black-ops outfit for the nation's central bank.

The beneficiaries of the New York Fed's largesse got paid in full although they had agreed to take much less. In a November 2009 article titled "It's Time to Fire Tim Geithner," Dylan Ratigan wrote:

[L]ast November . . . New York Federal Reserve Governor Tim Geithner decided to deliver 100 cents on the dollar, in secret no less, to pay off the counter parties to the world's largest (and still un-investigated) insurance fraud -- AIG. This full payoff with taxpayer dollars was carried out by Geithner after AIG's bank customers, such as Goldman Sachs, Deutsche Bank and Societe Generale, had already previously agreed to taking as little as 40 cents on the dollar. Even after the GM autoworkers, bondholders and vendors all received a government-enforced haircut on their contracts, he still had the audacity to claim the "sanctity of contracts" in the dealings with these companies like AIG.

Geithner testified that the Fed's hands were tied and that the bank could not "selectively default on contractual obligations without courting collapse." But if it was all on the up and up, why all the secrecy? The contention that the Fed had no choice is also belied by a recent holding in the Lehman Brothers bankruptcy, in which New York Bankruptcy Judge James Peck set aside the same type of investment contracts that Secretaries Paulson and Geithner repeatedly swore under oath had to be paid in full in the case of AIG. The judge declared that clauses in those contracts subordinating other claims to the holders' claims were null and void in bankruptcy.

"And notice," comments bank analyst Chris Whalen, "that the world has not ended when the holders of [derivative] contracts are treated like everyone else." He calls the AIG bailout "a hideous political contrivance that ranks with the great acts of political corruption and thievery in the history of the United States."

If you tell a lie big enough and keep repeating it, said Joseph Goebbels, people will eventually come to believe it. The bailout of Wall Street initiated in September 2008 was premised on the dire prediction that if major counterparties in the massive edifice of derivative contracts were allowed to fall, the whole interlocking house of cards would collapse and take the economy with it. A hijacked Congress dutifully protected the derivatives game with taxpayer money while the real economy proceeded to collapse, the financial sector choosing to put their money into this protected form of speculative betting rather than into the more mundane and risky business of making loans to struggling businesses and homeowners. In the end, $170 billion of federal funds went to AIG and the banks feeding at its trough. Meanwhile, a survey of state finances by the Center on Budget and Policy Priorities think tank found that state governments face a collective $168 billion budget shortfall for fiscal 2010. If the money used to bail out AIG and the banks had been used to bail out the states instead, the states would not be facing insolvency today.

There is no law against gambling, but there is a law against fraud. In Watergate, a special prosecutor was appointed to bring criminal charges; but times seem to have changed.

 
 
 

Follow Ellen Brown on Twitter: www.twitter.com/ellenhbrown

 
 
  • Comments
  • 168
  • Pending Comments
  • 0
  • View FAQ
Comments are closed for this entry
View All
Favorites
Bloggers
Recency  | 
Popularity
Page: 1 2 3  Next ›  Last »  (3 total)
12:34 PM on 02/12/2010
WAKE UP! focusing on Geithner, Goldman-Sachs, Paulson, etc., is taking your eye off the ball.

it's the equivalent of "Woodstein" getting wrapped up in what John Dean said to the grand jury instead of who was directing traffic from the white house. and watergate is the dereliction of duty equivalent of SC governor sanford's escapades in south america.

this investigation is a circus act. SCOTUS is and should be the focus of dealing with the corruption. there is direct correlation between maintaining the status quo and election reform. it all bubbles up to fixing the corruption there. the corruption in the legal system makes us a bona fide banana republic
photo
HUFFPOST SUPER USER
DebtNavigation
Attorney and Author
08:11 PM on 02/09/2010
We need an American "el Barzon" to deal with this stuff. Massive coordinated strategic default followed by demonstrations and civil disobedience to keep small businesses open and mortgage defaulters in their homes. The "too big to fail" banks should be purposely destroyed by the American public taking every dollar they can out and not putting any dollars back in even when ordered by the courts to do so. Break 'em!
photo
HUFFPOST SUPER USER
JereLHough
04:15 PM on 02/10/2010
And WHO would control this "American el Barzon", if not the Money-Moguls? Such ideas would only hasten the destruction of the USA. "Too big to fail" banks (or any kind of corporation) should be broken up into manageable entities the same way a bankruptcy court would do it. I agree we should take our money out of tbtf banks and put them in local community credit unions or demand accounts, but "breaking them" is crazy talk, like cutting off your nose to spite your face. It would just hurt everyone, and the nation as a whole.
photo
HUFFPOST SUPER USER
DebtNavigation
Attorney and Author
09:09 AM on 02/11/2010
@JereLHough said: "but "breaking them" is crazy talk, like cutting off your nose to spite your face. It would just hurt everyone, and the nation as a whole."

Well, in the Cold War era both the Soviets and the NATO allies had a "crazy" policy called "Mutual Assured Destruction" in which each professed a willingness to annihilate the other even if it meant suffering annihilation themselves. It worked ... nuclear war never happened, and each side ultimately agreed to a stepped series of arms reductions that ultimately reduced tensions and restored peaceable relations.

The Wall Street bankers will visit upon the public whatever the public will bear. Frederick Douglass said "Power concedes nothing without a demand. It never did and it never will." Our demand is the one in Nehemiah 5:10 "leave off this usury" and the consequence we may visit upon them is the one I described in my previous post. If it's destructive, so be it. The country will get over it. Pre-WW II Germany got over it, before she pursued other policies that got her in big trouble.
05:09 PM on 02/09/2010
The AIG problem is not over. Just like IRAQ; the biggest stories are yet to unfold.
03:35 PM on 02/09/2010
Is there a single shred of evidence that Geithner has a job waiting at Goldman Sachs?

No.

So what is the point? Simple. Somebody who has no apparent standard for evidence will just make stuff up.

The evidence will prove this fanciful nonsense to be false, and it will do it with ease.
photo
HUFFPOST SUPER USER
Peter Noble 2
12:46 PM on 02/09/2010
Should Tim be investigated and possibly jailed? We all know the real answer is yes but the real result will be no.

However our whole culture is crooked with greed. The elite be they wealthy actors, MSNBC anchors paid millions, or pundits made wealthy and of course Timmy's GS banking pals taking home obscene amounts of money are all more worthy than tens of millions of poor Americans. Only the rich deserve to have private meetings with the president.

The Director of Avatar advises the president on NASA. Of course he is worthy. My views? Well what have I ever done? So eloquently posted as a reply to my criticism of Cameron's support of cutting NASA's budget. Yes indeed what have all us "retards" ever really achieved? Rahm is right we are nothing and should shut up obey and vote.

The reason why Arianna, Rachel Maddow, Keith Olberman, Krugman or any wealthy Liberal pundit will stir up our outrage to improve book sales or viewership but never advocate revolution is because they are wealthy and part of the culture or entitlement... greed.

Of course nothing will ever happen to Timmy. We're too busy watching millionaire actors in Avatar or video replays of multimillionaire sport stars playing football at the 2010 Rose Bowl.
photo
HUFFPOST SUPER USER
JereLHough
04:02 PM on 02/10/2010
But revolution is not the solution, nor can it ever be one. What needs to be advocated are SOLUTIONS. Reforms are needed, but they must come from within the system itself, and that can only happen after voter education replaces special interest money in the elections, and in the legislation that comes out of special interest guided congresses. Since voter education is tied to our wholly-owned educational and media systems, it looks like it will be a while before "real change" will be happening. Meanwhile, enjoy our growing financial servitude. Learn how to be good serfs and increase our master's bounty.
This user has chosen to opt out of the Badges program
09:45 PM on 02/08/2010
Bernanke and Geithner, on behalf of the taxpayers, bought banking fraudulent transactions to save the bankers and purchasers alike. It preserved a powerful oligarchy. It broke our country.
Bernanke will not reveal the transactions, even the debt that rhe Fed has guaranteed upwards of 13 trillion dollars worth.
This is treason. And it is not even being investigated. The transfer of wealth will become evident as our economy crashes and our inflation goes through the roof and our joblessness doubles from our present dismal level.
The Obama Administration is another Hoover Administration without the moral underpinnings.
photo
HUFFPOST SUPER USER
muck-raker
give me liberty or give me death
08:40 AM on 02/09/2010
themodern.. good post....it is obvious that when the taxpayer paid 100 cents on the dollar when the CDO were said to be worth , at best. .25. it is easily seen that this was seen that are legislators and appointed people were IN BED WITH THE BANKSTERS
08:42 AM on 02/09/2010
< This is treason. And it is NOT EVEN BEING INVESTIGATED. The transfer of wealth will become evident as our economy crashes and our inflation goes through the roof and our joblessness doubles from our present dismal level. The Obama Administration is another Hoover Administration without the moral underpinnings. >
That's some harsh criticism, tml, but I do believe the facts, & nation-killing economic crisis, warrants the charges... even "treason."

I believe you were trying to say (MY EDITS)
< Bernanke and Geithner, on behalf of the THE BIG BANKS, bought [PURCHASED] banking fraudulent transactions to save the bankers and purchasers alike. It preserved a powerful oligarchy. It broke our country. >

President Obama has had a year to START to UNRAVEL this tragic, self-inflicted mess, but he is SO IN BED with those same mega-bankers
(GS, JPM-Chase, Citi, all with strong ties to the Robt Rubin school of "Democrat" (not!) financial deregulation and cooperation with PHIL GRAMM, DICK ARMEY, KEN LAY, and George Bush, et al Right-Wing Republicans)

... that instead of UNRAVELLING the mess, he has handed out MORE TRILLIONS of no-oversight, no accounting, much less, heavens forbid, forensic audits, to those very failed, fraudulent, corrupt bankers..
Obama has handed out some large portion of $20 TRILLION in taxpayer extorted bailouts since he became president in January 2009!
http://www.bloomberg.com/apps/news?pid=20601087&sid=aY0tX8UysIaM
photo
HUFFPOST SUPER USER
Jannsmoor
06:31 PM on 02/08/2010
For some of you who don't understand the basics:
AIG sold 'insurance products' called Credit Default Swaps. The problem was, they weren't required by regulators to hold sufficient reserves to pay off those 'insurance bets' if the housing market dropped more than a few percent.
When housing values fell AIG ended up owing over $170 Billion it could not pay to people who bought the 'insurance.'
Also, it was not 'insurance' in the traditional sense, because the buyer didn't have to actually own the assets being insured. Thus, they simply became bets, exactly like you place in Las Vegas, only in this case, AIG could place bets with IOU's rather than real money. If AIG won the bet, they got paid in real money and their traders got huge bonuses. If they lost the bet, the government paid it off. Pretty neat trick huh? Wouldn't you like that kind of a deal?
HUFFPOST SUPER USER
catbite
03:54 PM on 02/08/2010
If Geithner is even thinking of working at Goldman, I'd call that a conflict of interest.
photo
HUFFPOST BLOGGER
Ellen Brown
author Web of Debt; chrm Public Banking Institute
04:20 PM on 02/08/2010
I doubt he would be so bold now, but it could have been a thought before the heat was on.
This user has chosen to opt out of the Badges program
LizM
My micro-bio is too long for this space.
05:53 PM on 02/08/2010
You guys have no idea who Tim Geithner is or what motivates his actions. I would suspect that the very same could be said of both of you in relation to Vice President Biden, too.

It's a shame, really - two of the most honourable public servants you have and how are they treated around here and everywhere else? With contempt!

If I wasn't such a big fan of not cutting off my nose to spite my face, I'd say Americans don't deserve to have Biden and Geithner working so hard on their behalf.
This user has chosen to opt out of the Badges program
LizM
My micro-bio is too long for this space.
06:22 PM on 02/08/2010
You may not be aware of this but, Tim Geithner has worked in public service all of his life and has never been an investment banker, as some in Congress still believe. A good chunk of that time has been spent in the treasury department.

He is now almost 50 years old. By the end of his term as treasury secretary, he'll be almost 60 years old. By that time, after having endured eight years of abuse at the hands of a largely ungrateful nation, I should think he'll be ready to retire to some deserted south Pacific island!

And, besides, there is no love lost between Geithner and Goldman, rest assured.
08:31 PM on 02/08/2010
>>"Tim Geithner has worked in public service all of his life"

No, he has not. The Federal Reserve is a private corporation, a consortium of private banks. It has stock, and pays dividends.

Tim Geithner received nearly a half million dollar severance package when he left the FRBNY to take Treasury secretary. Public sector jobs do not pay severance packages like that.
photo
HUFFPOST SUPER USER
ricardus99
?
03:06 PM on 02/08/2010
http://www.thepetitionsite.com/1/richard-castaldo-for-congress-in-the-30th-district-ca

stop the madness sign my petition for congress, i will not be voting to bailout giant greedy companies.
02:00 PM on 02/08/2010
King Batguano's Online FedSpeak Translator :

1 . The Fed is a " quasi-government institution " .

Translation :

The Fed is a privately owned Corporation POSING as a " quasi-government institution " to cover the fact they are crooks who have usurped the Government's power to issue currency .
photo
Lorianne
ama vitam
01:09 PM on 02/08/2010
This is not an insurance heist ... it's a government heist ... from the taxpayers.

LARGEST HEIST IN WORLD HISTORY
This user has chosen to opt out of the Badges program
LizM
My micro-bio is too long for this space.
01:13 PM on 02/08/2010
That is sheer nonsense.
jhNY
Mercy.
01:54 PM on 02/08/2010
Maybe you ought to read the article to which this comment is attached. Hard to believe you have done so, given this reply.
photo
guveqzero
Inventor and Innovator
12:45 PM on 02/08/2010
Insurance fraud is usually punishable by imprisonment. When GS, JPM and the other CDS companies realized that more money could be made collecting on the insurance policy if certain companies failed, nothing prevented them from spinning media stories and making trades to make that happen at a faster rate? Where was the SEC? How about the FDIC? Well, there's the dilema. No one is responsible to manage these companies. In the real world, the insurance company investigates for fraud. But in this case, AIG is controlled and silenced by banks. If this were some individual policy holder, they would be in jail by now.
12:41 PM on 02/08/2010
Remember, it took real journalism to bring down Watergate...there is no real journalism anymore, unless it's a Democrat having an affair with a cross-dressing little person...
This user has chosen to opt out of the Badges program
LizM
My micro-bio is too long for this space.
01:17 PM on 02/08/2010
If there was a modicum of real journalism, the Huffington Post wouldn't be full of inaccurate blogs and comments about this financial crisis. And, the Obama/Biden administration would be getting some support for what it has done to avert a global financial catastrophe instead of calls for the resignations of Geithner and Bernanke.
HUFFPOST SUPER USER
Jimboy17
08:29 PM on 02/08/2010
The problem here is that the crisis was caused by the firms that are now benefitting from government largesse at the taxpayer's expense. Sure, save the system. That is undoubtedly what the Obama administration has been trying to do. Save it from what, is the question? The collapse is inevitable, and the cynic in me sees mere forstalling. Free-market ideologues like Geithner and Bernanke don't trade in anything but capitalist fantasy, and neither do the bankers that brought us here.

What I don't see happening is a return to regulation. Regulation that is necessary to keep the system from blowing up again, and again and again. Then again, this cycle is extremely profitable for the oligarchs, so why bother regulating it? I realize this is a simplification, but it essentially parses how the rich get richer, and the middle class dissapears. In the end, it matters little which of the two illusions "runs" the nation, because the direction is inexorably the same.

You will forgive me for not praising this administration's lack of conviction. The rather effete actions so far smack of desperation, obfuscation, and an inability to make the hard decisions. I guess when the whole mess hits the wall it will be someone else's to clean up. The kicker is that prosperity has left America, and is not coming back in this generation or the next. Prolonging the lie only worsens the cut.
HUFFPOST SUPER USER
Jimboy17
08:30 PM on 02/08/2010
Oh forgive that mess of double negatives. I meant to say that Freidman's free-market pyschobabble is alive and well in Washington and on Wall street.
12:01 PM on 02/08/2010
In Murray vs. Geithner et al, the ongoing court case against AIG, it is staggering to learn what our Government has done and how intense their opposition to this case moving forward has been. Thankfully, the Courts have denied the Administrations repeated request for dismissal. Our media has remained mum about this, through discovery actions in the Courts, Americans will fully comprehend the corruption and egregious actions that have benefited foreign entities and elitist. Perhaps the media will actually report on it. It is shameful.
photo
HUFFPOST SUPER USER
whyworry
Proud Liberal
11:41 AM on 02/08/2010
Say...Henry Paulson...former CEO of Goldman Sachs...Geithner knew where the bodies were buried and he's served his purpose to this Administration.