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87-664: This tribe is the southernmost Cree tribe in North America. Rocky Boy's Indian Reservation is located in Hill and Chouteau counties in northeastern Montana, about 40 miles (64 km) from the Canada–United States border . It has a total land area of 171.4 square miles (443.9 km), which includes extensive off-reservation trust lands. The population was 3,323 at the 2010 census . The Bureau of Indian Affairs' Labor Force Report of 2005 reported 5,656 enrolled members of

174-461: A okimahkan . loosely translated as "war chief". This office was different from that of the "peace chief", a leader who had a role more like that of diplomat. In the run-up to the 1885 North-West Rebellion , Big Bear was the leader of his band, but once the fighting started Wandering Spirit became war leader. There have been several attempts to create a national political organization that would represent all Cree peoples, at least as far back as

261-559: A loan origination process that are unfair, deceptive, or fraudulent. While there are no internationally agreed legal definitions for predatory lending, a 2006 audit report from the office of inspector general of the US Federal Deposit Insurance Corporation (FDIC) broadly defines predatory lending as "imposing unfair and abusive loan terms on borrowers", though "unfair" and "abusive" were not specifically defined. Though there are laws against some of

348-954: A 1994 gathering at the Opaskwayak Cree First Nation reserve. The name "Cree" is derived from the Algonkian -language exonym Kirištino˙ , which the Ojibwa used for tribes around Hudson Bay . The French colonists and explorers, who spelled the term Kilistinon , Kiristinon , Knisteneaux , Cristenaux , and Cristinaux , used the term for numerous tribes which they encountered north of Lake Superior, in Manitoba, and west of there. The French used these terms to refer to various groups of peoples in Canada, some of which are now better distinguished as Severn Anishinaabe (Ojibwa), who speak dialects different from

435-442: A Fair Economy and more prove that predatory loans are disproportionately made in poor and minority neighborhoods. Brokers and lenders preyed on these neighborhoods with the knowledge that these people were often denied for loans and the demand for loans were high. Lenders called these neighborhoods never-never land. This created the subprime predatory lending world. Subprime lenders specialize in B, C, and D paper. Predatory lending

522-593: A Métis as "a person who self-identifies as Métis, is distinct from other Aboriginal peoples, is of historic Métis Nation Ancestry and who is accepted by the Métis Nation". At one time the Cree lived in northern Minnesota, North Dakota and Montana. Today, American Cree are enrolled in the federally recognized Chippewa Cree tribe, located on the Rocky Boy's Indian Reservation , and in minority as "Landless Cree" on

609-562: A business "Plain Green Loans," for online lending to Native Americans who are underserved by the lack of banks on many reservations. The Tribal Independent reporter Delvin Cree (Turtle Mountain Chippewa), wrote in an opinion piece in 2012 that the tribe's practices of high-interest, short-term lending are generally classified as predatory lending . These loans can result in annualized interest rates as high as 360 to 400 percent. In 2022,

696-453: A car or house, so that if the borrower defaults on the loan, the lender can repossess or foreclose and profit by selling the repossessed or foreclosed property. Lenders may be accused of tricking a borrower into believing that an interest rate is lower than it actually is, or that the borrower's ability to pay is greater than it actually is. The lender, or others as agents of the lender, may well profit from repossession or foreclosure upon

783-630: A closed reservation so the landless Chippewa-Cree could settle and get an education. The members were counted in a 1909 census conducted by Thralls B. Wheat, a land allotment agent of the Department of the Interior . This census was certified by the agency in April 1909. Reflecting the social turmoil of the time, many of Asiniiwin's people left the reservation within a decade; others had never relocated there, and their descendants live in towns throughout

870-568: A key component to the subprime mortgage crunch. Professor Anita F. Hill wrote that a large percentage of first-time home buyers were women, and that loan officers took advantage of the lack of financial knowledge of many female loan applicants. Consumers believe that they are protected by consumer protection laws, when their lender is really operating wholly outside the laws. Refer to 15 U.S.C. 1601 and 12 C.F.R. 226. Media investigations have disclosed that mortgage lenders used bait-and-switch salesmanship and fraud to take advantage of borrowers during

957-509: A larger problem than predatory lending: As much as 70 percent of recent early payment defaults had fraudulent misrepresentations on their original loan applications, according to one recent study. The research was done by BasePoint Analytics, which helps banks and lenders identify fraudulent transactions; the study looked at more than three million loans from 1997 to 2006, with a majority from 2005 to 2006. Applications with misrepresentations were also five times as likely to go into default. Many of

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1044-412: A simplification of identity, and it has become "fashionable" for bands in many parts of Saskatchewan to identify as "Plains Cree" at the expense of a mixed Cree-Salteaux history. There is also a tendency for bands to recategorize themselves as "Plains Cree" instead of Woods Cree or Swampy Cree. Neal McLeod argues this is partly due to the dominant culture's fascination with Plains Indian culture as well as

1131-626: A tribal council of seven Swampy Cree First Nations across northern Manitoba and is based in The Pas . The Chemawawin Cree Nation (also Rocky Cree) are based on their reserve Chemawawin 2, adjacent to Easterville, Manitoba , 200 kilometres (120 mi) southeast of The Pas. Mathias Colomb First Nation (also Rocky Cree) is located in the community of Pukatawagan on the Pukatawagan 198 reserve. Misipawistik Cree Nation (also Rocky Cree)

1218-481: A wide scale basis in order to help a major lender push through more loan deals. The attorney general office's lawsuit alleged that eAppraiseIT, which did more than 260,000 appraisals nationally for Washington Mutual, caved to pressure from WaMu loan officers to select pliable appraisers who were willing to submit inflated property valuations. Several commentators have dismissed the notion of "predatory borrowing", accusing those making this argument as being apologists for

1305-1061: Is a combination of a Cree reserved land (TC) and a Cree village municipality (VC), both with the same name. Moose Cree ( Cree : Mōsonī or Ililiw ), also known as Moosonee are located in Northeastern Ontario . Constance Lake First Nation is the only Cree member of Matawa First Nations . They are located on their reserves, Constance Lake 92 and English River 66 , in the Cochrane District , Ontario. Mushkegowuk Council , based in Moose Factory, Ontario , represents chiefs from seven First Nations across Ontario. Moose Cree members are: Chapleau Cree First Nation , Kashechewan First Nation , Missanabie Cree First Nation , Moose Cree First Nation , and Taykwa Tagamou Nation . The Chapleau Cree First Nation and their two reserves, Chapleau Cree Fox Lake and Chapleau 75 , are located outside of Chapleau, Ontario in

1392-492: Is a group of people claiming descent from the same common ancestor; each clan would have a representative and a vote in all important councils held by the band (compare: Anishinaabe clan system ). Each band remained independent of each other. However, Cree-speaking bands tended to work together and with their neighbours against outside enemies. Those Cree who moved onto the Great Plains and adopted bison hunting , called

1479-565: Is acknowledged by academics that all bands are ultimately of mixed heritage and multilingualism and multiculturalism was the norm. In the West, mixed bands of Cree, Saulteaux, Métis, and Assiniboine, all partners in the Iron Confederacy , are the norm. However, in recent years, as indigenous languages have declined across western Canada where there were once three languages spoken on a given reserve, there may now only be one. This has led to

1566-493: Is also a major difference in grammatical vocabulary (particles) between the groups. Within both groups, another set of variations has arisen around the pronunciation of the Proto-Algonquian phoneme *l , which can be realized as /l/, /r/, /y/, /n/, or /ð/ (th) by different groups. Yet in other dialects, the distinction between /eː/ (ē) and /iː/ (ī) has been lost, merging to the latter. In more western dialects,

1653-541: Is an enclave of Schefferville. The other, Lac-John , is 2 km (1.2 mi) outside the town. Première Nation des Innus de Nutashkuan is based on their reserve of Natashquan 1 or Nutashkuan. The reserve is located on the north shore of the Gulf of Saint Lawrence at the mouth of the Natashquan River . Montagnais de Pakua Shipi  [ fr ] located in the community of Pakuashipi , Quebec, on

1740-669: Is based in Gillam , 248 kilometres (154 mi) northeast of Thompson via Provincial Road 280 (PR 280) , and has several reserves along the Nelson River . Shamattawa First Nation is located on their reserve, Shamattawa 1, on the banks of the Gods River where the Echoing River joins. The community is very remote; only connected via air or via winter ice roads to other First Nation communities. The Tataskweyak Cree Nation

1827-469: Is based on the reserve of York Landing, 30 kilometres (19 mi) south of Split Lake via ferry. York Factory was a settlement and Hudson's Bay Company (HBC) trading post, established in 1684, on the shore of Hudson Bay, at the mouth of the Hayes River . In 1956, the trading post was closed and the community was moved inland to the current site. Swampy Cree Tribal Council is, as the name suggests,

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1914-580: Is composed of three Atikamekw First Nations. The council is based in La Tuque, Quebec . The Atikamekw are inhabitants of the area they refer to as Nitaskinan ("Our Land"), in the upper Saint-Maurice River valley. The First Nations: Eeyou Istchee is a territory equivalent to a regional county municipality (TE) of Nord-du-Québec represented by the Grand Council of the Crees . On 24 July 2012,

2001-600: Is in the Missanabie , Ontario area. The Moose Cree First Nation is based in Moose Factory in the Cochrane District. Moose Factory was founded in 1672–1673 by Charles Bayly , the first overseas governor of the Hudson's Bay Company, and was the company's second post. It was the first English settlement in what is now Ontario. The Nation has two reserves: Factory Island 1 on Moose Factory Island , an island in

2088-778: Is located at Fort Albany, Ontario, on the southern shore of the Albany River at James Bay. The reserve, Fort Albany 67, is shared with the Kashechewan First Nation. The Attawapiskat First Nation is located at mouth of the Attawapiskat River on James Bay. The community is on the Attawapiskat 91A reserve. The Attawapiskat 91 reserve is 27,000 hectares (67,000 acres) on both shores of the Ekwan River , 165 kilometres (103 mi) upstream from

2175-527: Is located in the Naskapi village of Kawawachikamach, 15 km (9.3 mi) northeast of Schefferville , Quebec. The village is in the reserve of the same name . The Mushuau Innu First Nation , located in the community of Natuashish , Newfoundland and Labrador, is located in the Natuashish 2 reserve on the coast of Labrador . Innus of Ekuanitshit live on their reserve of Mingan, Quebec , at

2262-596: Is located in the community of Split Lake, Manitoba within the Split Lake 171 reserve, 144 kilometres (89 mi) northeast of Thompson on PR 280, on the lake of the same name on the Nelson River system. War Lake First Nation possess several reserves but are located on the Mooseocoot reserve in the community of Ilford, Manitoba , 35 kilometres (22 mi) east of York Landing. York Factory First Nation

2349-491: Is located near Grand Rapids, Manitoba , 400 kilometres (250 mi) north of Winnipeg at the mouth of the Saskatchewan River as it runs into Lake Winnipeg. Mosakahiken Cree Nation (also Rocky Cree) is located around the community of Moose Lake about 63 kilometres (39 mi) southeast of The Pas on their main reserve, Moose Lake 31A. Opaskwayak Cree Nation (also Rocky Cree) has several reserves but most of

2436-484: Is located on the north shore of Reindeer Lake close to the Saskatchewan border. It has one reserve, Brochet 197, 256 kilometres (159 mi) northwest of Thompson, adjoining the village of Brochet . The Bunibonibee Cree Nation is located along the eastern shoreline of Oxford Lake at the headwaters of the Hayes River . The Nation controls several reserves with the main reserve being Oxford House 24 adjacent to

2523-471: Is not so much a language, as a chain of dialects, where speakers from one community can very easily understand their neighbours, but a Plains Cree speaker from Alberta would find a Quebec Cree speaker difficult to speak to without practice." One major division between the groups is that the Eastern group palatalizes the sound /k/ to either /ts/ (c) or to /tʃ/ (č) when it precedes front vowels . There

2610-660: Is owned by twelve First Nations of which three are Swampy Cree. Cumberland House Cree Nation is based in Cumberland House, Saskatchewan on the Cumberland House Cree Nation 20 reserve, 97 kilometres (60 mi) southwest of Flin Flon , Manitoba. Cumberland House , founded in 1774 by Samuel Hearne , was the site of the HBC's first inland fur-trading post. The Red Earth First Nation is located in

2697-529: Is safety in numbers, all families would want to be part of some band, and banishment was considered a very serious punishment. Bands would usually have strong ties to their neighbours through intermarriage and would assemble together at different parts of the year to hunt and socialize together. Besides these regional gatherings, there was no higher-level formal structure, and decisions of war and peace were made by consensus with allied bands meeting together in council. People could be identified by their clan , which

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2784-673: Is the practice of overcharging a borrower for rates and fees, average fee should be 1%, these lenders were charging borrowers over 5%. Consumers without challenged credit loans should be underwritten with prime lenders. In 2004, 69% of borrowers were from subprime lending. The 2007 mortgage drop and economy fail were from over lending. Organizations such as AARP , Inner City Press , and ACORN have worked to stop what they describe as predatory lending. ACORN has targeted specific companies such as HSBC Finance , successfully forcing them to change their practices. Some subprime lending practices have raised concerns about mortgage discrimination on

2871-895: The Fort Peck Indian Reservation and as "Landless Cree" and "Rocky Boy Cree" on the Fort Belknap Indian Reservation , all in Montana . The Chippewa Cree share the reservation with the Pembina Band of Chippewa Indians , who form the "Chippewa" ( Ojibwa ) half of the Chippewa Cree tribe. On the other Reservations, the Cree minority share the Reservation with the Assiniboine , Gros Ventre and Sioux tribes. Traditionally,

2958-887: The Moose River , about 16 kilometres (9.9 mi) from its mouth at James Bay; and Moose Factory 68 , a tract of land about 15 kilometres (9.3 mi) upstream on the Moose River. The Taykwa Tagamou Nation has two reserves, New Post 69, and their main reserve, New Post 69A outside Cochrane, Ontario along the Abitibi River . Wabun Tribal Council is a regional chief's council based in Timmins, Ontario representing Ojibway and Cree First Nations in northern Ontario. Moose Cree members are: Brunswick House First Nation and Matachewan First Nation . Brunswick House's reserves are Mountbatten 76A and Duck Lake 76B located in

3045-567: The Northwest Territories to Labrador . It is the most widely spoken aboriginal language in Canada. The only region where Cree has official status is in the Northwest Territories, together with eight other aboriginal languages, French and English. The two major groups: Nehiyaw and Innu, speak a mutually intelligible Cree dialect continuum , which can be divided by many criteria. In a dialect continuum, "It

3132-833: The Northwest Territories . About 27,000 live in Quebec . In the United States, Cree people historically lived from Lake Superior westward. Today, they live mostly in Montana , where they share the Rocky Boy Indian Reservation with Ojibwe (Chippewa) people. The documented westward migration over time has been strongly associated with their roles as traders and hunters in the North American fur trade . The Cree are generally divided into eight groups based on dialect and region. These divisions do not necessarily represent ethnic sub-divisions within

3219-743: The Sudbury District . The Kashechewan First Nation community is located on the northern shore of the Albany River on James Bay. The Hudson's Bay Company established a post, Fort Albany , at this location between 1675 and 1679. Kashechewan First Nation is one of two communities that were established from Old Fort Albany, the other being Fort Albany First Nation . The two Nations share the Fort Albany 67 reserve. The Missanabie Cree First Nation signed Treaty 9 in 1906 but did not receive any reserved lands until 2018. The Missanabie reserve

3306-473: The Algonquin. Depending on the community, the Cree may call themselves by the following names: the nēhiyawak, nīhithaw, nēhilaw , and nēhinaw ; or ininiw, ililiw, iynu (innu) , or iyyu . These names are derived from the historical autonym nēhiraw (of uncertain meaning) or from the historical autonym iriniw (meaning "person"). Cree using the latter autonym tend to be those living in

3393-714: The Constitution. As the tribe's government, the Committee retains the authority to address membership issues. The Cree and Métis make up more than 90% of the enrolled members of the tribe. The principal language of the tribe is Cree , written in Eastern Cree syllabics . There are programs and courses dedicated to the preservation and teaching of the Cree language to the younger generation. There are also efforts to use revenue from sale of Official Tribal vehicle license plate would be used for installation of Cree signage in

3480-1014: The Federal and state government level are aimed at preventing predatory lending. Although not specifically anti-predatory in nature, the Federal Truth in Lending Act requires certain disclosures of APR and loan terms. Also, in 1994, section 32 of the Truth in Lending Act, entitled the Home Ownership and Equity Protection Act of 1994, was created. This law is devoted to identifying certain high-cost, potentially predatory mortgage loans and reining in their terms. Twenty-five states have passed anti-predatory lending laws. Arkansas , Georgia , Illinois , Maine , Massachusetts , North Carolina , New York , New Jersey , New Mexico and South Carolina are among those states considered to have

3567-672: The Fisher River 44 and 44A reserves. Marcel Colomb First Nation is located outside of Lynn Lake on the Black Sturgeon reserve on Hughes Lake, 289 kilometres (180 mi) northwest of Thompson via Provincial Road 391 . Norway House Cree Nation is located in Norway House which is located on the Playgreen Lake section of the Nelson River system on the north side of Lake Winnipeg. In 1821, Norway House became

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3654-669: The Monsoni, (a branch of the Ojibwe ). Both groups had donned war paint in preparation to an attack on the Dakota and another group of Ojibwe. After acquiring firearms from the HBC, the Cree moved as traders into the plains, acting as middlemen with the HBC. The Naskapi are the Innu First Nations inhabiting a region of northeastern Quebec and Labrador , Canada. The Naskapi are traditionally nomadic peoples, in contrast with

3741-642: The Pacific Northwest. For instance, many bought plots of land on Hill 57 , outside Great Falls, Montana . Congress passed legislation on September 7, 1916, (39  Stat.   739 ) creating the Rocky Boy's Indian Reservation. Those Chippewa-Cree living near Great Falls were not counted as members in the 1917 census of the reservation but were part of the tribe. In May 1917 the Interior Department compiled another list of residents on

3828-716: The Plains Cree, were allied with the Assiniboine , the Metis Nation, and the Saulteaux in what was known as the " Iron Confederacy ", which was a major force in the North American fur trade from the 1730s to the 1870s. The Cree and the Assiniboine were important intermediaries in the Indian trading networks on the northern plains. When a band went to war, they would nominate a temporary military commander, called

3915-504: The Quebec government signed an accord with the Cree Nation that resulted in the abolition of the neighbouring municipality of Baie-James and the creation of the new Eeyou Istchee James Bay Regional Government , providing for the residents of surrounding Jamésie TE and Eeyou Istchee to jointly govern the territory formerly governed by the municipality of Baie-James. Eeyou Istchee is a territory of eight enclaves within Jamésie plus one enclave (Whapmagoostui) within Kativik TE. Each enclave

4002-470: The Rocky Cree communities of Keewatin Tribal Council are remote; only connected via air and ice road during winter months. Five of the Swampy Cree Tribal Council First Nations contain Rocky Cree populations: Chemawawin Cree Nation , Mathias Colomb First Nation , Misipawistik Cree Nation , Mosakahiken Cree Nation , Opaskwayak Cree Nation . Predatory lending Predatory lending refers to unethical practices conducted by lending organizations during

4089-616: The Sudbury District near Chapleau, Ontario. The Matachewan First Nation is on the Matachewan 72 reserve near Matachewan township in the Timiskaming District . Fort Severn First Nation and their reserve, Fort Severn 89, located on the mouth of the Severn River on Hudson Bay, is the most northern community in Ontario. It is a member of Keewaytinook Okimakanak Council . Mushkegowuk Council , based in Moose Factory, Ontario , represents chiefs from seven First Nations across Ontario. Swampy Cree members are: Fort Albany First Nation and Attawapiskat First Nation . Fort Albany First Nation

4176-452: The basic unit of organization for Cree peoples was the lodge , a group of perhaps eight or a dozen people, usually the families of two separate but related married couples, who lived together in the same wigwam (domed tent) or tipi (conical tent), and the band , a group of lodges who moved and hunted together. In the case of disagreement, lodges could leave bands and bands could be formed and dissolved with relative ease. However, as there

4263-446: The basis of race. African Americans and other minorities are being disproportionately led to sub-prime mortgages with higher interest rates than their white counterparts. Even when median income levels were comparable, home buyers in minority neighborhoods were more likely to get a loan from a subprime lender, though not necessarily a sub-prime loan. In addition, studies by leading consumer groups have concluded that women have become

4350-470: The collateral. Predatory lending is often compared to (but not to be confused with) loan sharking , however a key difference between the two is that loan sharks do not seriously attempt to operate within the law. There are many lending practices which have been called abusive and labeled with the term "predatory lending". There is a great deal of dispute between lenders and consumer groups as to what exactly constitutes "unfair" or "predatory" practices, but

4437-409: The community as well as investment in other language revitalization programs. The status of the Chippewa (Ojibwe) language in the tribe is dire, as there is only one known living speaker of the language after the death of Duncan Standing Rock Sr. in February 2021. Standing Rock was an integral part of efforts to record and document the language. As part of its economic development, the tribe started

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4524-473: The community of Oxford House, Manitoba , 160 kilometres (99 mi) southeast of Thompson. God's Lake First Nation is located in the God's Lake Narrows area on the shore of God's Lake . The main reserve is God's Lake 23, 240 kilometres (150 mi) southeast of Thompson. The Manto Sipi Cree Nation also live on God's Lake in the community of God's River on the God's River 86A reserve, about 42 kilometres (26 mi) northeast of God's Lake Narrows. All of

4611-443: The community of Sheshatshiu in Labrador and is located approximately 45 km (28 mi) north of Happy Valley-Goose Bay . Sheshatshiu is located adjacent to the Inuit community of North West River . The Sheshatshiu Nation has one reserve, Sheshatshiu 3. Pekuakamiulnuatsh First Nation is located on the reserve of Mashteuiatsh in the Saguenay–Lac-Saint-Jean region, 8 km (5.0 mi) north of Roberval, Quebec , on

4698-461: The community of Red Earth, on the banks of the Carrot River , on the Carrot River 29A reserve. Close by is the Red Earth 29 reserve, about 75 kilometres (47 mi) east of Nipawin . Shoal Lake Cree Nation is located in Pakwaw Lake, on the Shoal Lake 28A reserve, 92 kilometres (57 mi) east of Nipawin. The Keewatin Tribal Council, described under Swampy Cree, also represents Rocky Cree First Nations in Manitoba. The Barren Lands First Nation

4785-634: The company that had paid the tribe to use its tribal sovereignty to claim exemption from state laws paid $ 44 million to settle a lawsuit for illegal lending practices. Cree The Cree or nehinaw ( Cree : néhinaw , néhiyaw , nihithaw , etc.; French: Cri ) are a North American Indigenous people . They live primarily in Canada , where they form one of the country's largest First Nations . More than 350,000 Canadians are Cree or have Cree ancestry. The major proportion of Cree in Canada live north and west of Lake Superior , in Ontario , Manitoba , Saskatchewan , Alberta , and

4872-481: The distinction between /s/ and /ʃ/ (š) has been lost, both merging to the former. "Cree is a not a typologically harmonic language. Cree has both prefixes and suffixes, both prepositions and postpositions, and both prenominal and postnominal modifiers (e.g. demonstratives can appear in both positions)." Golla counts Cree dialects as eight of 55 North American languages that have more than 1,000 speakers and which are being actively acquired by children. The Cree are

4959-425: The following are sometimes cited: OCC Advisory Letter AL 2003-2 describes predatory lending as including the following: Because many minority communities have been excluded from loans in the past, they are and have been more vulnerable to deception. Oftentimes, they are targeted because of these vulnerabilities. Organizations and agencies including ACORN , HUD , the American Civil Liberties Union , United for

5046-419: The form ililiw , coastal East Cree and Naskapi use iyiyiw (variously spelled iiyiyiu , iiyiyuu , and eeyou ), inland East Cree use iyiniw (variously spelled iinuu and eenou ), and Montagnais use ilnu and innu , depending on dialect. The Cree use "Cree", "cri", "Naskapi, or "montagnais" to refer to their people only when speaking French or English. As hunter-gatherers ,

5133-411: The frauds were simple rather than ingenious. In some cases, borrowers who were asked to state their incomes just lied, sometimes reporting five times actual income; other borrowers falsified income documents by using computers. Mortgage applications are usually completed by mortgage brokers or lenders' in-house loan officers, rather than by borrowers themselves, making it difficult for borrowers to control

5220-562: The greater degree of written standardization and prestige Plains Cree enjoys over other Cree dialects. The Métis (from the French, Métis – of mixed ancestry) are people of mixed ancestry, such as Cree and French, English, or Scottish heritage. According to Aboriginal Affairs and Northern Development Canada , the Métis were historically the children of French fur traders and Cree women or, from unions of English or Scottish traders and Cree, Northwestern Ojibwe, or northern Dene women ( Anglo-Métis ). The Métis National Council defines

5307-416: The home-loan boom. In February 2005, for example, reporters Michael Hudson and Scott Reckard broke a story in the Los Angeles Times about "boiler room" sales tactics at Ameriquest Mortgage , the nation's largest subprime lender. Hudson and Reckard cited interviews and court statements by 32 former Ameriquest employees who said the company had abused its customers and broken the law, "deceiving borrowers about

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5394-647: The information that was submitted with their applications. A stated income loan application is done by the borrower, and no proof of income is needed. When the broker files the loan, they have to go by whatever income is stated. This opened the doors for borrowers to be approved for loans that they otherwise would not qualify for, or afford. However, lawsuits and testimony from former industry insiders indicated that mortgage company employees frequently were behind overstatements of borrower income on mortgage applications. Borrowers had little or no ability to manipulate other key data points that were frequently falsified during

5481-653: The interest rates are considered unreasonably high. Although predatory lenders are most likely to target the less educated, the poor, racial minorities, and the elderly, victims of predatory lending are represented across all demographics. The continued occurrence of predatory lending can be viewed as a litmus test for the effectiveness of philanthropic lending that aims to foster entrepreneurship. Where such philanthropic lending initiatives ( microfinance ) are widely available, loan sharks and other predatory lenders should not continue to thrive. Predatory lending typically occurs on loans backed by some kind of collateral , such as

5568-403: The lack of lending standards and other excesses during the credit bubble. Predatory servicing is also a component of predatory lending, characterized by unfair, deceptive, or fraudulent practices by a lender or another company that services a loan on behalf of the lender, after the loan is granted. Those practices include also charging excessive and unsubstantiated fees and expenses for servicing

5655-443: The larger ethnic group: Due to the many dialects of the Cree language , the people have no modern collective autonym . The Plains Cree and Attikamekw refer to themselves using modern forms of the historical nêhiraw , namely nêhiyaw and nêhirawisiw , respectively. Moose Cree, East Cree, Naskapi, and Montagnais all refer to themselves using modern dialectal forms of the historical iriniw , meaning 'man.' Moose Cree use

5742-408: The largest group of First Nations in Canada, with 220,000 members and 135 registered bands. Together, their reserve lands are the largest of any First Nations group in the country. The largest Cree band and the second largest First Nations Band in Canada after the Six Nations Iroquois is the Lac La Ronge Band in northern Saskatchewan. Given the traditional Cree acceptance of mixed marriages, it

5829-466: The loan, wrongfully disclosing credit defaults by a borrower, harassing a borrower for repayment and refusing to act in good faith in working with a borrower to effectuate a mortgage modification as required by federal law. In many countries, legislation aims to control this, but research has found ambiguous results, including finding that high-cost mortgage applications can possibly rise after adoption of laws against predatory lending. Many laws at both

5916-402: The mortgage process. These included credit scores, home appraisals and loan-to-value ratios. These were all factors that were under the control of mortgage professionals. In 2012, for example, New York Attorney General Eric Schneiderman reached a $ 7.8 million (~$ 10.2 million in 2023) settlement of allegations that a leading appraisal management firm had helped inflate real estate appraisals on

6003-459: The mouth of the Mingan River of the Saint Lawrence River in the Côte-Nord (north shore) region. Innu Takuaikan Uashat Mak Mani-Utenam based in Sept-Îles, Quebec, in the Côte-Nord region on the Saint Lawrence River. They own two reserves: Maliotenam 27A, 16 kilometres (9.9 mi) east of Sept-Îles, and Uashat 27, within Sept-Îles. Innu Nation of Matimekush-Lac John is based out of Schefferville, Quebec. One reserve, Matimekosh ,

6090-553: The mouth on James Bay. Independent from a Tribal Council is the Weenusk First Nation located in Peawanuck in the Kenora District. The community was located on their reserve of Winisk 90 on the mouth of the Winisk River on James Bay but the community was destroyed in the 1986 Winisk flood and the community had to be relocated to Peawanuck. Keewatin Tribal Council is a Tribal Council based in Thompson, Manitoba that represents eleven First Nations, of which five are Swampy Cree, across northern Manitoba. Fox Lake Cree Nation

6177-755: The population lives on the Opaskwayak 21E reserve, immediately north of and across the Saskatchewan River from The Pas. The Sapotaweyak Cree Nation is located in the Shoal River 65A reserve adjacent to the community of Pelican Rapids , about 82 kilometres (51 mi) south of The Pas. Wuskwi Sipihk First Nation has several reserves but the main reserve is Swan Lake 65C which contains the settlement of Indian Birch, about 150 kilometres (93 mi) south of The Pas. Not affiliated with any Tribal Council: Fisher River Cree Nation , Marcel Colomb First Nation , and Norway House Cree Nation . Fisher River Cree Nation , located approximately 177 kilometres (110 mi) north of Winnipeg in Koostatak on Lake Winnipeg , control

6264-560: The practice of risk-based pricing, are not actually predatory, and that many laws aimed at reducing "predatory lending" significantly restrict the availability of mortgage finance to lower-income borrowers. Such parties consider predatory lending a pejorative term. There are many underlying issues in the predatory lending debate: In an article in the January 17, 2008, New York Times , George Mason University economics professor Tyler Cowen described "predatory borrowing" as potentially

6351-499: The principal inland fur trading depot for the Hudson's Bay Company. Norway House was also where Treaty 5 was signed. They control more than 80 reserves from less than 2 hectares (4.9 acres) to their largest, Norway House 17, at over 7,600 hectares (19,000 acres). The Nation is one of the most populous in Canada with 8,599 people as of November 2021 . Prince Albert Grand Council is based in Prince Albert, Saskatchewan and

6438-908: The reservation. By then additional Native Americans had migrated there and others had left. Fewer than 45 of the 451 names listed on the "Tentative Roll of the Rocky Boy Indian Reservation" (1917) were Chippewa from the earlier 1909 roll. Many were Cree , descendants of Little Bear's (Imasees) band, and Métis , descendants of the Louis Riel band of mixed-race peoples from the Red River of the North area. According to tribal traditions of absorbing war captives and protecting all children of tribal women, if residents identified as Cree or Chippewa, they were listed as Native American, regardless of whether they had other ancestry. The 1917 roll

6525-741: The southern limits of the Cree territory in Montana were the Missouri River and the Milk River . In Manitoba, the Cree were first contacted by Europeans in 1682, at the mouth of the Nelson and Hayes rivers by a Hudson's Bay Company (HBC) party traveling about 100 miles (160 km) inland. In the south, in 1732; in what is now northwestern Ontario, Pierre Gaultier de Varennes, sieur de La Vérendrye , met with an assembled group of 200 Cree warriors near present-day Fort Frances , as well as with

6612-457: The specific practices commonly identified as predatory, various federal agencies use the phrase as a catch-all term for many specific illegal activities in the loan industry. Predatory lending should not be confused with predatory mortgage servicing which is mortgage practices described by critics as unfair, deceptive, or fraudulent practices during the loan or mortgage servicing process, post loan origination. One less contentious definition of

6699-416: The strongest laws. Other states with predatory lending laws include: California , Colorado , Connecticut , Florida , Kentucky , Maine , Maryland , Nevada , Ohio , Oklahoma , Oregon , Pennsylvania , Texas , Utah , Wisconsin , and West Virginia . These laws usually describe one or more classes of "high-cost" or "covered" loans, which are defined by the fees charged to the borrower at origination or

6786-484: The term is proposed by an investing website as "the practice of a lender deceptively convincing borrowers to agree to unfair and abusive loan terms, or systematically violating those terms in ways that make it difficult for the borrower to defend against". Other types of lending sometimes also referred to as predatory include payday loans , certain types of credit cards , mainly subprime , or other forms of (again, often subprime) consumer debt , and overdraft loans, when

6873-557: The terms of their loans, forging documents, falsifying appraisals and fabricating borrowers' income to qualify them for loans they couldn't afford". Ameriquest later agreed to pay a $ 325 million (~$ 487 million in 2023) predatory lending settlement with state authorities across the nation. Some subprime lending advocates, such as the National Home Equity Mortgage Association (NHEMA), say many practices commonly called "predatory," particularly

6960-588: The territorial Montagnais, the other segment of Innu. The Naskapi language and culture is quite different from the Montagnais, in which the dialect changes from y to n as in "Iiyuu" versus "Innu". Iyuw Iyimuun is the Innu dialect spoken by the Naskapi. Today, the Naskapi are settled into two communities: Kawawachikamach Quebec and Natuashish , Newfoundland and Labrador. The Naskapi Nation of Kawawachikamach

7047-444: The territories of Quebec and Labrador. The Cree language (also known in the most broad classification as Cree-Montagnais, Cree-Montagnais-Naskapi, to show the groups included within it) is the name for a group of closely related Algonquian languages , the mother tongue (i.e. language first learned and still understood) of approximately 96,000 people, and the language most often spoken at home of about 65,000 people across Canada, from

7134-583: The tribe. The Chief Asiniiwin (Chippewa) (English translation Stone Child, misnomer Rocky Boy, which conveys an incorrect meaning) and Chief Little Bear (Cree) and their bands were the founders of the Rocky Boy's Indian Reservation in north central Montana. At the time, Chippewa-Cree lived throughout present-day Montana, on the Blackfeet and other reservations, as well as in the new towns developed by European-American settlers and immigrants. In January 1902 Asiniiwin petitioned President Theodore Roosevelt for

7221-662: The village of Les Escoumins, Quebec . The community is on the north shore of the Saint Lawrence River at the mouth of the Escoumins River in the Côte-Nord region, 40 km (25 mi) northeast of Tadoussac and 250 km (160 mi) northeast of Québec . Conseil de la Nation Atikamekw , officially named Atikamekw Sipi – Conseil de la Nation Atikamekw, is a tribal council in Quebec, Canada. It

7308-578: The western shore of Lac Saint-Jean . Bande des Innus de Pessamit based in Pessamit , Quebec, is located about 58 km (36 mi) southwest of Baie-Comeau along the north shore of the Saint Lawrence River at the mouth of the Betsiamites River . It is across the river directly north of Rimouski, Quebec . Pessamit is 358 km (222 mi) northeast of Quebec City. Innue Essipit are based in their reserve of Essipit , adjacent to

7395-624: The western shore of the mouth of the Saint-Augustin River on the north shore of the Gulf of Saint Lawrence in the Côte-Nord region. The community is adjacent to the settlement of Saint-Augustin . Montagnais de Unamen Shipu  [ fr ] are located at La Romaine, Quebec at the mouth of the Olomane River on the Gulf of Saint Lawrence. They have one reserve; Romaine 2. Sheshatshiu Innu First Nation located in

7482-602: Was approved by the Department of the Interior in July 1917; it has since been the basis for tribal membership rolls and allotments. The Cree and Métis migrants and their descendants have lived on the Rocky Boy's Reservation under self-declared "adopted" status. They and their descendants provided for such "adopted" status in the Chippewa Cree Tribal Constitution, which was written in 1934–1935. It

7569-504: Was certified by the Department of the Interior in 1935 under the Indian Reorganization Act . . The constitution provided that members of the tribe who were absent from the reservation for 10 years or more (a ten-year absentee provision) lost their tribal status and were no longer qualified for benefits and membership. The Chippewa Cree Business Committee, the government of the tribe, recently repealed this provision of

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