On this 19th day of October 2025 in history, consider where we are...
By Mitchell Vexler, October 19, 2025
On this 19th day of October 2025 in history, consider where we are…
Regional banks:
Have over $5 TRILLION in U.S. deposits.
Account for 50% of all industrial/commercial loans in the US.
Originate 80% of all mortgages.
Account for 45% of all personal loans.
They are systemically important and provide the majority of loans, directly and in-directly affecting:
A. Home Loan Mortgage
B. Property Tax
(Equal to approx. 9% of median Household Gross Income & with fraud at every level of the associated School District bonds)
C. Credit Card Debt with 24% to 30% interest rates
D. Student Loans
E. Auto Loans
F. Health Care (also plagued with fraud throughout its system)
G. Private Loans (high interest, personal loans, shadow banking)
H. Buy Now Pay Later programs and apps with 30% interest
From which the Median Household Income does not exist to pay off these loans and expenses including and especially the B above and the associated fraudulent school district bond debt.
The result of the MHI not existing to pay for the fraudulently inflated valuations (fraudulent over valuation of property values and thus over taxation) which further fraudulently inflates A, B, C, E, F, G & H listed above, to which then individually, or in combination, directly leads to…
Liabilities > Assets = Bankruptcy
Increased Hunger
Increased Crime
Inflation is created via fraud which is printing money instead of letting the system clear itself.
Two days ago, while on my way home I noticed 4 buildings (3 Industrial roughly 100,000 sq. ft. and 1 commercial roughly 20,000 sq. ft.) across the street from each other all on prime locations and all empty. The real value is land minus demolition. This proves that the constant increase by the Central Appraisal Districts to pump land values is just part of the scheme to defraud.
Vacancy rates for office property have hit record highs of nearly 20%. And as of August 2025, as Travis of Real Estate Mindset showed, roughly 7% of ALL commercial real estate loans (not just office loans) are delinquent. This is the domino effect I have spoken about on many videos.
Regional banks are on the hook for a lot of this as are the bigger banks for the larger commercial real estate.
Commercial real estate loans comprise 44% of regional bank portfolios (compared to just 13% for the big banks) except the big banks have the larger loans on a nominal basis. We must now also take into account the fraud which was recently discovered being 2 large regional banks, Zions and Western Alliance, revealing tens of billions of dollars in loan provisions and write-offs due to fraud from a single failed auto-parts manufacturer, First Brands Group.
At this moment no one knows how big the problem (bad loans/ fraud) really is and the same can be said in early 2007.
The more important question is will this fraud metastasize into an imminent crisis? Remember, in 2023, the regional banking system almost collapsed, resulting in both the Treasury and the Fed getting involved to stop the collapse and the issues that triggered that crisis were never resolved… they were just papered over as happened in 2007 and 2008 except now we have the compound cumulative interest effect of 18 years plus the new frauds created on an annual basis, which is the exact problem with the CADs and the fraudulent bonds spun by their owners the School Districts. The leads to the point I made on multiple occasions which is the 2 largest purveyors of fraud on the planet are the Federal Reserve and the Central Appraisal Districts.
This is why JP Morgan CEO Jamie Dimon recently commented that “when you see one cockroach, there are probably more…” and that “everyone should be forewarned” by what is happening in regional banks today.
Look at the share prices of the banks, many of which are down substantially just since September.
Consider that those banks are down and none of them have taken into account the fraud outlined herein and probably none of which know of the evidence of that fraud at www.mockingbirdproperties.com/dcad.
Grifters, fraudsters, DEI believers [“The Biden administration reportedly spent over $1 trillion on diversity, equity, and inclusion (DEI) programs across various federal agencies. This includes significant allocations for grants and initiatives aimed at promoting DEI principles.”], paid activists, all act to promote fraud by sitting on the CAD and School District Boards, violating the 1st Amendment Rights of the Citizens and their Oath of Office, while further perpetuating the fraud, to cover up the fraud because it is the fraud that fuels their pockets and fake pedestal of their existence in society. It is the financial fraud and the fraudsters that must be eliminated via transparency, work downs and jail. As was stated in the Amicus Brief to the Supreme Court of Texas, “either the law exists or it doesn’t.” The death of fraud must occur, and the 1st and largest step is the repeal of all property tax in favor of the Uniform States Sales Tax which restores the balance sheet to Mom and Pop and allow capitalism to flourish.
Are you protected?
Are you hedged?
Do you know how to trade this?
Can you trade this?
What can you do to help mitigate the damages to yourself, your family, your friends and neighbors?
Knowledge is the key. Don’t spend what does not exist. Don’t follow the masses. Get involved in your local school district with other like-minded citizens and force change via get the evidence, file criminal complaints, show up in mass to be heard and don’t assume that someone else will do the heavy lifting for you. This is all hands-on deck!
Read the Amicus Brief submitted to Supreme Court of Texas:
https://irp.cdn-website.com/39439f83/files/uploaded/Credit+Analysis+and+Systemic+Moral+Hazard.pdf
Watch this insider’s video testimony:
https://www.youtube.com/watch?v=th6UAkba2bw
With these items alone, you will know more about the fraud being perpetrated on you than any employee associated with a CAD or School District. You will recognize the pattern and practice of the criminal conspiracy to defraud regardless of which State you live in.
Follow the money. Demand answers from your School District Boards, and Superintendent, and CAD Boards and Chief Appraiser, in writing and ideally on video. Your protection requires getting involved.
Knowledge is the key. Follow the evidence we have uncovered.
www.mockingbirdproperties.com/dcad
