How About it Wells Fargo, Big Fine

You cant even trust a bank employee, much less the bank? And a big banking network. So who pays the fine, who goes to jail, who does the formal walk of shame?

CNN: Wells Fargo is being slapped with the largest penalty since the CFPB was founded in 2011. The bank agreed to pay $185 million in fines, along with $5 million to refund customers.

“We regret and take responsibility for any instances where customers may have received a product that they did not request,” Wells Fargo said in a statement.

Wells Fargo confirmed to CNNMoney that the firings represents about 1% of its workforce.

“At Wells Fargo, when we make mistakes, we are open about it, we take responsibility, and we take action,” the bank said in a memo to employees on Thursday.

Wells Fargo to pay $185 million to settle allegations its workers opened fake accounts              

LATimes: City and federal officials have reached a $185-million settlement with Wells Fargo over allegations that the bank’s employees, driven by strict sales quotas, regularly opened new accounts for customers without their knowledge.

The settlement, announced Thursday morning, calls for the San Francisco banking giant to pay $100 million in penalties to the Consumer Financial Protection Bureau — the largest fine the federal agency has ever imposed — and $35 million to the Office of the Comptroller of the Currency, another federal regulator.

It also will pay $50 million in penalties to local officials and to compensate account holders for fees related to bogus accounts.

The bank did not admit any wrongdoing in the consent order but apologized to customers and announced steps to tighten its sales practices.

The questionable practices were uncovered by a 2013 Times investigation that found Wells Fargo pressured its employees to open more accounts and that some employees resorted to opening fake ones to meet sales goals.

Last year, Los Angeles City Atty. Mike Feuer filed a lawsuit that alleged Wells Fargo “victimized their customers by using pernicious and often illegal sales tactics” including unrealistic quotas and policies that have “driven bankers to engage in fraudulent behavior.”

Feuer’s suit caught the attention of the CFPB and OCC, which conducted their own investigations into the bank’s sales tactics. The CFPB, citing an analysis by Wells Fargo, said bank employees may have opened as many as 2 million accounts — including more than 500,000 credit cards — without customers’ authorization.

 

The investigations found that employees would illegally transfer funds into unauthorized accounts, create PINs for debit cards customers never asked for and even created bogus email addresses to secretly sign customers up for online banking.

“Wells Fargo employees secretly opened unauthorized accounts to hit sales targets and receive bonuses,” said Richard Cordray, director of the CFPB, in a statement Thursday. “Because of the severity of these violations, Wells Fargo is paying the largest penalty the CFPB has ever imposed.”

On a conference call with reporters on Thursday, Feuer called the bank’s practices “a major breach of trust.”

 

“It’s outrageous for a bank to use a customer’s private information without permission to open an unwanted account,” he said. “Customers must be able to trust their banks.”

The bank has consistently said such practices are not widespread and that workers who cheat to meet sales goals are disciplined or fired. In a statement Thursday, Wells Fargo confirmed the settlements and said it has set aside $5 million to cover refunds to customers.

The bank said it has already provided refunds to about 100,000 customers, paying a total of $2.6 million so far with payments averaging $25. The bank said the number of accounts refunded represent “a fraction of one percent of the accounts reviewed.”

“Wells Fargo is committed to putting our customers’ interests first 100 percent of the time, and we regret and take responsibility for any instances where customers may have received a product that they did not request,” the bank said in its statement.

The Times’ 2013 story, based on court records and interviews with dozens of former and current Wells Fargo employees, reported that workers opened duplicate accounts, ordered credit cards for customers who did not ask for them and even forged customers’ signatures.

In many cases, customers say they’ve had to pay fees related to accounts they never opened.

 

In a more extreme case, Mexican pop star Ana Bárbara this summer sued Wells Fargo, saying an employee opened up accounts without her knowledge then spent more than $400,000 in her name.

Wells Fargo employees have sued the bank alleging they were forced to work unpaid overtime as they tried to meet goals, while bank customers have sued alleging that fake accounts were opened in their names.

But the customers have so far been unsuccessful in their lawsuits. At Wells Fargo, as at many other banks, when customers sign up for accounts, they agree that any dispute with the bank will be handled in private arbitration rather than in court.

Judges have ruled that those arbitration agreements hold up even in cases in which customers are suing over accounts they never authorized.

Along with reimbursing customers and paying $25 million to the city of Los Angeles and another $25 million to the county, the bank will send notices to customers asking them to stop by a branch so that employees can “help you close any accounts or discontinue services you do not recognize or want,” according to the settlement agreement with Feuer’s office.

 

Already, Wells Fargo officials said the bank has hired an outside firm that has reviewed customer accounts looking for bogus accounts. The bank said the outside review was finalized before the settlements.

The bank said it has also disciplined and fired managers and employees who “acted counter to our values,” and has worked to improve training and monitoring programs.

Regulators said Thursday that their actions against Wells Fargo should send a message that banks must ensure their sales tactics do not lead to consumer harm.

The CFPB’s Cordray said banks can have sales goals and financial incentives for employees to open accounts for customers, but those goals and incentives must be carefully structured and monitored.

“What happened here is Wells Fargo built an incentive-compensation program that made it possible for Wells Fargo employees to pursue underhanded sales tactics,” he said. “Companies need to pay very close attention … to ensure that customers are protected.”

[email protected]

 

Kase Lawal, Hillary, Barack and Boko Haram

 

Bring Back Our Girls: Michelle Obama and Malala Yousafzai support campaign for return of kidnapped Nigeria schoolgirls

 BuzzNigeria.com  A video was released in August with new Boko Haram demands but YouTube removed it.

McClatchy: HOUSTON — A Texas oilman who’s accused of defrauding the Nigerian government by illegally pumping and exporting 10 million barrels of oil is a major fundraiser for Hillary Clinton’s presidential campaign.

Kase Lawal of Houston is at least the fourth person accused or convicted of criminal wrongdoing to help finance Clinton’s political ambitions since 2000 and the second in her quest for the White House. The list also includes Chinese and Pakistani fugitives and a former Miami lawyer who was convicted of defrauding Cuba.

There’s no indication that Clinton’s campaign was aware of Lawal’s legal problems when it accepted his help in raising more than $100,000, but a McClatchy investigation in the U.S. and Nigeria suggests that her campaign did little to scrutinize the background of one of its top fundraisers.

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In 2010, Kase Lawal, Member, Advisory Committee for Trade Policy and Negotiations for the White House. CAMAC Energy, NYSE (CAK) was founded in 2005. CAMAC Energy Inc. has offices in Hartsdale, New York; Houston, Texas; Beijing, China and Lagos, Nigeria.

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Lawal maxed out donations to Hillary’s 2016 primary campaign, and his wife Eileen donated $50,000—the most allowed—to President Obama’s 2009 inaugural committee.

Lawal describes himself as a devout Muslim who began memorizing the Quran at age 3 while attending an Islamic school. “Religion played a very important role in our lives,” he told a reporter in 2006. “Every time you finish a chapter they kill a chicken, and if you finish the whole thing, a goat.” In Africa, Lawal has been at the center of multiple criminal proceedings, even operating as a fugitive. Over the last decade, he faced charges in South Africa over an illegal oil scheme along with charges in Nigeria of illegally pumping and exporting 10 million barrels of oil.

Read more: http://newsrescue.com/report-links-nigerian-corrupt-billionaires-clinton-foundation-boko-haram/#ixzz4Jgxw7OrA

Read more: http://newsrescue.com/report-links-nigerian-corrupt-billionaires-clinton-foundation-boko-haram/#ixzz4Jgxf5UtN

 

Hillary Clinton Obstructed Boko Haram Terror Designation as Her Donors Cashed In

Source: Hillary Obstructed Boko Haram’s Terror Designation as Her Donors Cashed In | PJ Media

By Patrick Poole

…as Boko Haram began to ramp up its terror campaign in 2011 and 2012, Hillary Clinton obstructed the official terror designation of the group over the objections of Congress, the FBI, the CIA and the Justice Department.

Why did Hillary Clinton’s State Department drag its feet on the terror designation in the face of near unanimous opposition from the rest of the U.S. government?

A recent series of reports exposes that a close Clinton family confidante — and Hillary campaign bundler — profited from Nigeria’s lucrative oil fields. He engaged in multiple illegal deals throughout Africa. …

Why is no one in the media talking about Hillary and Boko Haram?

It is worth nothing that Congress had to drag a reluctant State Department kicking and screaming to get Boko Haram designated in November 2013, after Hillary Clinton had left office.

Hillary Clinton’s willful obstruction in the matter is easy to document:

  • Members of Congress discovered in 2014 that the Clinton State Department intentionally lied and downplayed the threat from Boko Haram, and worked to kill bills in both the House and the Senate calling for their designation in 2012.
  • As Reuters reported, the Justice Department’s National Security Division strongly urged the State Department to designate Boko Haram, but then a group of 21 American academics rallied to the State Department’s aid by sending a letter to Hillary Clinton strongly arguing against Boko Haram’s designation.
  • We also now know that the Obama administration was sitting on intelligence— obtained as a result of the Bin Laden raid— that revealed Boko Haram’s direct connection to al-Qaeda and the international terror network in 2011 and 2012. In other words, Hillary’s State Department was arguing that Boko Haram had no such connections, that it wasn’t a transnational terror threat, even though the Obama administration — and likely Clinton herself — knew that was false.

An important two-part investigative series by WORLD magazine reporters Mindy Belz and J.C. Derrick provides some insight:

Belz and Derrick discovered that Hillary Clinton’s obstruction of the Boko Haram designation, and the continuing chaos in northern Nigeria — Africa’s largest economy and the 10th largest oil producer in the world — directly benefited Clinton Global Initiative donors and a close Clinton confidante who bundled campaign cash for Hillary.

From the second article from Belz and Derrick:

Perhaps the most prominent Nigerian with ties to the Clintons is Houston-based Kase Lawal. The founder of CAMAC Energy, an oil exploration and energy consortium, Lawal had a long history with Bill Clinton before becoming a “bundler” for Hillary’s 2008 presidential bid, amassing $100,000 in contributions and hosting a fundraiser in his Houston home — a 14-room, 15,264-square-foot mansion. Lawal maxed out donations to Hillary’s 2016 primary campaign, and his wife Eileen donated $50,000 — the most allowed — to President Obama’s 2009 inaugural committee.Lawal describes himself as a devout Muslim who began memorizing the Quran at age 3 while attending an Islamic school. “Religion played a very important role in our lives,” he told a reporter in 2006. “Every time you finish a chapter they kill a chicken, and if you finish the whole thing, a goat.”

Today the Houston oil exec — who retired in May as CEO but continues as chairman of the board of CAMAC, now called Erin Energy — tops the list of wealthiest Nigerians living in North America. His firm reports about $2.5 billion in annual revenue, making it one of the top private companies in the United States.

In Africa, Lawal has been at the center of multiple criminal proceedings, even operating as a fugitive. Over the last decade, he faced charges in South Africa over an illegal oil scheme along with charges in Nigeria of illegally pumping and exporting 10 million barrels of oil.

In the Democratic Republic of Congo, Lawal arranged a 2011 plot to purchase 4 tons of gold from a rebel warlord, Bosco Ntaganda, linked to massacres and mass rapes.Ntaganda was on a U.S. sanctions list, meaning anyone doing business with him could face up to 20 years in prison. Lawal contacted Clinton’s State Department, and authorities in Congo released his plane and associates in the plot.

He never faced charges in the United States, and he remains a commissioner for the Port Authority of Houston.

Lawal’s energy firm holds lucrative offshore oil licenses in Nigeria, as well as exploration and production licenses in Gambia, Ghana, and Kenya, where he operates in a conflict-ridden area largely controlled by Somalia’s al-Shabaab militants.

The firm also has held contracts in Nigeria for crude oil lifting, or transferring oil from its collection point to refineries. Until last year, when newly elected President Muhammadu Buhari began an effort to reform the process, contracting for lifting has been awash in kickbacks, bribes, and illegal activity.

Overland lifting contracts often involve partnership with the North’s past and present governors, including those who serve as quasi-warlords with ties to Boko Haram and other militants.

Lawal’s enterprises have long been rumored to be involved in such deals, as have indigenous oil concerns like Petro Energy and Oando, Nigeria’s largest private oil and gas company, based in Lagos and headed by Adewale Tinubu, another controversial Clinton donor.

In 2014, Oando pledged 1.5 percent of that year’s pre-tax profits and 1 percent of future profits to a Clinton Global Initiative education program. This year, Adewale gained notoriety when the Panama Papers revealed he holds at least 12 shell companies, leading to suspicion of money laundering, tax evasion, and other corruption.

In 2013 Bill Clinton stood alongside Adewale’s uncle, Bola Tinubu, while attending the dedication of a massive, controversial reclamation project called Eko Atlantic. Critics call Bola Tinubu, leader of the ruling All Progressives Congress party, Nigeria’s “looter in chief.” A Nigerian documentary says that when the billionaire landowner was governor of Lagos State (1999-2007), he funneled huge amounts of state funds — up to 15 percent of annual tax revenues — to a private consulting firm in which he had controlling interest.

In the United States, where he studied and worked in the 1970s and ’80s, Tinubu is still a suspect in connection with a Chicago heroin ring he allegedly operated with his wife and three other family members. In 1993 Tinubu forfeited $460,000 to American authorities, who believe he trafficked drugs and laundered the proceeds.

But wait, there’s more:

Beneath the surface, literally, Boko Haram was making it possible for illicit operators to lay claim to the area for their own purposes, and to pump oil from Nigeria’s underground reserves to Chad. Using 3-D drilling, Chad operators can extract Nigerian oil — without violating Nigerian property rights — to sell on open markets. One benefactor of the arrangement is Ali Modu Sheriff, a leading politician in the North, Borno State governor until 2011, and an alleged sponsor of Boko Haram, who is close friends with longtime Chad President Idriss Déby.The very terrorism that seems to be deterring oil exploration in reality can help illicit extraction, forcing residents to flee and giving cover to under-the-table oil traders. In 2015, a year when overall oil prices dipped 6 percent, Lawal’s Erin Energy stock value skyrocketed 295 percent—the best-performing oil and gas stock in the United States.

Hillary Clinton’s obstruction of the Boko Haram terror designation in the face of FBI, CIA, DOJ, and Congressional urging to do so is a documented fact. But the reason for Hillary’s obstruction, which the establishment media has never pressed Clinton for, remains unanswered.

State Criminal Alien Assistance Program (SCAAP)

The State Criminal Alien Assistance Program (SCAAP) reimburses state and local governments for the costs of incarcerating unauthorized immigrants.  Originally authorized by the Immigration Reform and Control Act of 1986,  the program was not funded until the Violent Crime Control and Law Enforcement Act of 1994 (P.L. 103-322.) Funding has never fully covered state costs. More here.

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To read the Inspector General Report on compliance and conditions per city, click here, if you dare.

We are out of our minds…..we can never measure all the costs of illegals, foreign criminals and the ongoing future costs.

State Criminal Alien Assistance Program (SCAAP)

 

What is this Clinton Teneo Anyway?

Teneo Org ChartAccording to Wikipedia, Teneo is an US-based global advisory firm that partners exclusively with the Chief Executive Officers and senior leaders of many of the world’s largest and most complex companies and organizations.[3] The firm works with clients to address a wide range of financial, reputational and transformational challenges and has opportunities by combining the disciplines of strategic communications, investor relations, investment banking, financial analytics, executive recruiting, digital analytics, corporate governance, government affairs, business intelligence, management consulting and corporate restructuring on an integrated basis. Teneo’s clients include the CEOs of many Fortune 100 companies across a diverse range of industry sectors.

 

I N T E G R AT E D  C O U N S E L  F O R  A  B O R D E R L E S S  WO R L D

From Politico, The four businesses of Teneo — which provides integrated counsel to a client list that includes FORTUNE 500 companies, philanthropies, governments and high net worth individuals – are Teneo Capital, Teneo Restructuring, Teneo Strategy and Teneo Intelligence. Ed Rollins recently joined as a public-affairs adviser.

From PRNewswire: New York City Police Commissioner Bill Bratton To Join Teneo

Teneo to launch new operating division advising major global companies and organizations on key risk identification, prevention and response.

From HumanEvents: A former MF Global employee accused former president William J. Clinton of collecting $50,000 per month through his Teneo advisory firm in the months before the brokerage careened towards its Halloween filing for Chapter 11 bankruptcy.

Teneo was hired by MF Global’s former CEO Jon S. Corzine to improve his image and to enhance his connections with Clinton’s political family, said the employee, who asked that his name be withheld because he feared retribution.

From PRNewswire: NEW YORK and LONDON, July 9, 2015 /PRNewswire/ — Teneo Holdings today announced that it has completed the acquisition of Blue Rubicon and StockWell, two of the UK’s leading strategic communications and reputation management firms.

The acquisitions of the two businesses, in addition to Teneo’s existing UK operations, will create one of the largest strategic communications practices in the European market. It will also augment Teneo’s operations in other parts of the world. All members of the Blue Rubicon and StockWell senior management team will continue as part of the Teneo leadership team. Terms of the transactions have not been disclosed.

Blue Rubicon, widely regarded as one of the most progressive strategic communications consultancies to have emerged in London in the last 20 years, provides senior counsel to some of the world’s largest companies as they navigate high-stake issues including succession planning, corporate restructuring, re-launches and post-M&A integration. Founded 15 years ago the firm has been led by Senior Partner, Fraser Hardie, CEO, Gordon Tempest-Hay, Partners Chris Jones and Fiona Joyce. Blue Rubicon today employs more than 225 people operating globally from offices in London, Doha, Dubai and Singapore.

StockWell was founded in 2010 and is led by its three Managing Partners: Tim Burt; Philip Gawith and Richard Holloway. The firm is headquartered in London and has 30 staff. StockWell specializes in providing boardroom level strategic communications advice to leading corporations and individuals across the UK, Europe and beyond.

It is intended that the London operations will be combined and co-located in London in the near future. They will report to Charles Watson in his capacity as Chairman of Teneo International.

“The acquisition of Blue Rubicon and StockWell is a transformational moment for Teneo as we continue to grow across the globe, building on our reputation as one of the world’s leading advisory firms,” said Declan Kelly, Chairman and CEO of Teneo.  

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Then we have Justin Cooper….he was the original person that set up Bill and Hillary’s server(s). Where did he come from? Cooper is a Senior Advisor at  Teneo Holdings LLC and a member of the Clinton Foundation.

Even Chelsea Clinton wanted to be hired at Teneo, but a weird collision course was ahead and the intersection got crowded, including the Clinton Global Initiative.

Teneo has divisions that cover the spectrum of all business, industry and government. For a view of division heads click here.

So is there an underlying objective to Teneo’s business model? Yes, it appears to be called ‘activist investments’. As noted here: Dealing with activist investors

On March 19, 2014, members of the Audit Committee Leadership Network (ACLN) met in New York to discuss investor activism, in particular the activism focused on company performance and shareholder value (as opposed to political or social causes).1 In this session, members were joined by Andy Merrill, senior managing director at Teneo Strategy2.

In 2014, Teneo published a lengthy document titled “Where is the World Going”, a comprehensive look at global conditions and submissions for what leaders of industry should and can do. In short, they cannot do what respective and distant government wont allow them to do unless there is ‘activism’ in global governance and of course diplomatic objectives can influence government certainly when it comes to money, power and recognition.

Teneo distinguishes itself in from its competitors in large part through the all-encompassing approach its takes to its services. The latest aspect to the business, Teneo Intelligence, is headed up by a former an ex-CIA and Department of Defense figure and aims to identify trouble spots around the world and analyse their potential effect on global markets.

So, about all those business and industry deals across the globe? Here are but 3 examples:

Digicell,  Haiti

Uranium One, Russia

Ericsson, Iran

Hat tip to this site for packaging it all quite nicely and going the long keyboard work. Our friends at Judicial Watch have through legal proceedings provided the documents proving the crowded intersection.

In summary this Fox documentary is a good refresher that remains quite useful especially in light of the FBI releasing the server investigation documents.

 

In 2010: Hillary Clinton ordered American officials to spy on high ranking UN diplomats, including British representatives.

Top secret cables revealed that Mrs Clinton, the Secretary of State, even ordered diplomats to obtain DNA data – including iris scans and fingerprints – as well as credit card and frequent flier numbers.

All permanent members of the security council – including Russia, China, France and the UK – were targeted by the secret spying mission, as well as the Secretary General of the UN, Ban Ki-Moon.

Sigh….

 

 

 

 

Taxpayer $’s Paid for the Clinton Server(s) and Bed Bug Problems

This is going to be a long item but stick with it and you will learn some disgusting facts.

Primer:

The Former Presidents Act (FPA; 3 U.S.C. §102 note) was enacted to “maintain the dignity” of the Office of the President. The act provides the former President—and his or her spouse—certain benefits to help him respond to post-presidency mail and speaking requests, among other informal public duties often required of a former President. Prior to enactment of the FPA in 1958, former Presidents leaving office received no pension or other federal assistance. The FPA charges the General Services Administration (GSA) with providing former U.S. Presidents a pension, support staff, office support, travel funds, and mailing privileges.

Pursuant to statute, former Presidents currently receive a pension that is equal to pay for Cabinet Secretaries (Executive Level I), which for calendar year 2015 was $203,700. Executive Level I pay was increased to $205,700 for calendar year 2016. In addition to benefits provided pursuant to the FPA, former Presidents are also provided Secret Service protection and financial “transition” benefits to assist their transition to post-presidential life. Pursuant to the FPA, former Presidents are eligible for benefits unless they hold “an appointive or elective office or position in or under the Federal Government or the government of the District of Columbia to which is attached a rate of pay other than a nominal rate.”

The President’s FY2017 budget request seeks $3,865,000 in appropriations for expenditures for former Presidents, an increase of $588,000 (17.9%) from the FY2016 appropriation level. The increase in requested appropriations for FY2017 anticipates President Barack Obama’s transition from incumbent to former President. For FY2016, President Obama requested and received appropriations of $3,277,000 for expenditures for former Presidents—an increase of $25,000 from FY2015 appropriated levels.

By the way, former Vice Presidents have the same privilege.

***** Now for the real disgusting Clinton thing….

 Getty

Great investigative reporting by Politico: Bill Clinton used a decades-old federal government program, originally created to keep former presidents out of the poorhouse, to subsidize his family’s foundation and an associated business, and to support his wife’s private email server, a POLITICO investigation has found.

Taxpayer cash was used to buy IT equipment — including servers — housed at the Clinton Foundation, and also to supplement the pay and benefits of several aides now at the center of the email and cash-for-access scandals dogging Hillary Clinton’s presidential campaign.

This investigation, which is based on records obtained from the General Services Administration through the Freedom of Information Act, does not reveal anything illegal. But it does offer fresh evidence of how the Clintons blurred the line between their non-profit foundation, Hillary Clinton’s State Department and the business dealings of Bill Clinton and the couple’s aides.

The thousands of pages of newly uncovered records reveal sometimes granular detail about how Bill Clinton’s representatives directed the spending of taxpayer cash allocated by the GSA under the Former President’s Act.

The Act authorizes the GSA to fund the pensions, correspondence, support staff and travel of ex-presidents. It was passed in 1958 to “maintain the dignity” of the presidency by helping former commanders in chief avoid hard times like those that befell Harry S. Truman. He complained that, without help from Uncle Sam, he would be forced to “go ahead with some contracts to keep ahead of the hounds.”

The Clintons did not have this problem.

After leaving the White House “dead broke”, in the words of Hillary Clinton, they quicklyraked in tens of millions of dollars from book deals, speaking fees and consulting gigs. At the same time, Bill Clinton was relying on his connections to some of the world’s deepest-pocketed donors, corporations and governments to seed a global philanthropy operation that overlapped with his consulting work and speaking fees and his wife’s work as Secretary of State — and served as a jumping off point for her presidential campaign.

But even as the Clintons got rich and grew their foundation into a $2 billion organization credited with major victories in the fights against childhood obesity and AIDS — while paying six figure salaries to top aides — Bill Clinton continued drawing more cash from the Former President’s Act than any other ex-president, according to a POLITICO analysis. The analysis also found that Clintons’ representatives, between 2001, when the Clintons left the White House, and the end of this year, had requested allocations under the Act totaling $16 million. That’s more than any of the other living former presidents — Jimmy Carter, George H. W. Bush and George W. Bush — requested during that span.

The program supplemented the income of Clinton’s staff, while providing them with coveted federal government benefits, alleviating the need for the Clinton Foundation or other Clinton-linked entities to foot the bill for such benefits. Similarly, Clinton aides got the GSA to pay for computer technology used partly by the foundation.

An analysis of the records provided by GSA, combined with Clinton Foundation tax returns, found that at least 13 of the 22 staffers who have been paid by GSA to work for Clinton’s personal office also worked for the Clinton Foundation.

A Clinton aide said his boss’s use of the GSA program is entirely consistent with the Former Presidents Act.

Generally, the aide explained that Clinton “wears several hats — among them being former President of the United States and the founder of the Clinton Foundation. His staffing reflects those roles.”

The aide added “there is no legal prohibition that would preclude the former president’s staff from receiving compensation from other sources or doing personal work for the former presidents. We are unaware of any legal prohibition that would preclude these activities.”

The aide wouldn’t discuss specific employees, or their sources of income, explaining “the Office of Former President Bill Clinton does not discuss personnel matters.”

But using the GSA records, POLITICO pieced together a list of Clinton loyalists who at various times have had their earnings supplemented by federal payments of about $10,000-a-year using funds from the Former Presidents Act.

The list reads like a field guide to Clinton World.

It includes longtime Bill Clinton aide Justin Cooper, who despite not having a security clearance, any apparent training in cyber-security or a job at the State Department, in early 2009 helped set up the private email account that Hillary Clinton would use to send and receive classified information as Secretary of State. Her use of that system was dubbed “extremely careless” by the FBI director. Cooper continued working to maintain Clinton’s private email system — including advising her top aides Huma Abedin and Cheryl Mills on attempted hacks — through at least 2012, according to emails released by the State Department.

During some of that period, Cooper was on the GSA payroll, drawing a federal government stipend from February 2011 through 2013, according to the records obtained by POLITICO.

At the same time, though, Cooper was working with Doug Band, a trusted Bill Clinton lieutenant, and Declan Kelly, a top Hillary Clinton fundraiser-turned-State Department official, to launch a global consulting firm called Teneo. It did lucrative work for foundation donors and entities with business before Clinton’s State Department. And it signed a contract reportedly worth $3.5 million with Bill Clinton to serve as a “honorary chairman” (though the former president ultimately kept only $100,000 of that, according to his tax returns and a source familiar with the arrangement). Teneo also paid Abedin as a “senior advisor.”

All the while, Band and Abedin were working together to broker meetings between Secretary of State Clinton and donors to the foundation, where Band served as an official until 2012, drawing a salary that in some years exceeded $111,000-a-year.

Yet, despite the profitable consulting business and his foundation compensation, Band continued drawing a taxpayer-funded stipend from the GSA until 2013.

Also receiving a salary from both the GSA and the Clinton Foundation was Laura Graham, who remained in extremely close contact with Clinton’s top aide at the State Department, swapping emails about sensitive foreign policy issues. During most of her time on the GSA payroll, Graham was earning a six-figure salary from the Clinton Foundation, which topped out at $190,000 per year in 2014.

Cooper, Band and Graham are no longer on the GSA payroll, nor are they working for the foundation. They all either declined to comment or did not respond to questions about the overlap between their taxpayer-funded work, the foundation and the State Department.

According to several people familiar with the former president’s operation, the rationale behind the interwoven payrolls is that they allow for a small team to assist Clinton in a variety of settings without having to do logistically complicated hockey-like line changes. In a given day, Clinton might deliver a paid private speech (during which time his employees’ salaries could be paid by the executive services corporation) and a public speech in his capacity as a former president (during which his staff could be paid by the GSA funds). And he could attend events for the foundation (where staff time would be paid by the foundation) as well as his wife’s presidential campaign (staff time would be paid by the campaign).

The records provided by GSA show that for each pay period, Clinton’s office submitted a list of personnel to GSA who were eligible to receive pay or reimbursement for travel done on behalf of the former president, along with the number of hours worked by each Clinton aide.

For many years, that list included two influential Clinton confidants who were listed as having worked zero hours each pay period — John Podesta, the former Clinton White House chief of staff who served as the foundation’s temporary CEO in 2011, and Bruce Lindsey, the Clintons’ Arkansas confidant who served as the foundation’s CEO from 2004 through mid-2013.

A spokesman for Hillary Clinton’s presidential campaign said Podesta, who is the campaign’s chairman, was on the list because, in 2001, he was paid less than $500 for helping “transition President Clinton from the White House to a DC-based personal office to the Harlem office. Beyond that, he received no compensation for his work.”

It’s unclear if Lindsey ever received GSA payments for work or travel on behalf of the former president. Neither he nor Podesta responded to requests for comment.

A GSA spokesperson declined to comment on specific employees, but said ex-presidents have broad discretion over how they choose to divvy up the $96,600 they are provided each year for staffing. They can give the entire sum to a single employee or divide it among multiple employees.

George H. W. Bush has four people on his taxpayer-funded staff, while Bill Clinton has 10, which has been roughly his staffing level for most of his post-presidency, according to the GSA documents. That means that each earned about $9,600 a year — far from a living wage in Manhattan, where both the Clinton Foundation and Clinton’s personal office are located.

But most Clinton aides on the GSA payroll also earned far more from other groups in the Clinton orbit — from the foundation to Teneo to an entity funded by the Clintons’ personal funds called the Clinton Executive Services Corporation or CESC.

The aide to Bill Clinton said that the former president “personally pays the costs over and above what is provided for by GSA,” adding that Clinton’s contribution “far exceeds the $96,000 provided by GSA.”

The key reason for adding staffers to the GSA payroll, according to two people familiar with the Clintons’ staffing arrangements, was that each employee became eligible for full federal employee benefits, including health and life insurance and pensions. The two people familiar with Bill Clinton’s staffing said the employees on his GSA payroll almost never received benefits from either the Clinton Foundation or the CESC.

Neither the CESC nor the Clinton Foundation are obligated to release their full payrolls, and GSA wouldn’t release the names of the staff being paid through the Former President’s Act.

So POLITICO in March 2015 filed a request under the Freedom of Information Act for GSA records detailing payments made through the Act to the offices of all former presidents between 1999 and the present. Nearly 18 months later, the agency partially fulfilled the request, this week delivering thousands of pages of emails, invoices and payroll documents covering 2009 through this year.

Correspondence related to Clinton’s payroll and requested purchases of computer equipment and other office gear through GSA under the Act comprise the overwhelming majority of the records provided in response to POLITICO’s FOIA request.

That could be a quirk of the FOIA search process.

But Clinton’s reimbursement requests also seem to generate far more back-and-forth with GSA about the justification for the spending (for instance, a GSA official asked in response to a request for a bed bug removal service, “is there currently a bed bug issue … or is the request for some type of on-going maintenance services.” The answer is not included in the documents). And Clinton’s requested purchases also prompted more debate about what’s allowable under the Act.

Part of that likely stems from Clinton’s approach to his ex-presidency, which is far more active and public than that of his former commander-in-chief peers — and that’s even before factoring in his wife’s history-making political career. But the GSA records also reveal just how tricky it can be to separate the various entities, players and controversies that have circulated for decades around Bill and Hillary Clinton.

In several cases, GSA officials raised questions about whether requested furniture and IT equipment including servers were intended for the Clinton Foundation, rather than Clinton’s personal office. In at least one instance, GSA paid to purchase and maintain a specialty Lockheed Martin database system called Intranet Quorom, the supporting systems for which were housed at one time at the Clinton Foundation’s offices, and used by both foundation staff and Bill Clinton’s personal office staff to store and process his correspondence.

The Clinton aide said servers supporting the Intranet Quorom system — which is used for data storage, not email — were the only pieces of equipment purchased by GSA that were housed at the Clinton Foundation at one point, but he said it was justified by the specific circumstances around it.

“As staff needs to have the full picture of all correspondence sent by President Clinton, both staff from the Office of the Former President and the Foundation have access to, and can input into, the Intranet Quorum database,” the aide said.

The Clinton Foundation’s website suggests that there’s a strict wall between the foundation and the ex-president’s personal office. “All Foundation employees are paid for work through the Foundation payroll,” the website says. “No Foundation staff are paid for Foundation work with taxpayer dollars.”

But the aide acknowledged “staff at the Foundation and staff at the Office of the Former President may have similar tasks, and need to coordinate this work — specifically staff that handles President Clinton’s correspondence.”

That shared work is facilitated by the Lockheed Martin IQ database system, the aide said.

But the system’s dual purpose raised questions among GSA officials, who pressed Clinton’s representatives when they submitted an invoice in September 2011 to the GSA to purchase a $7,700 Dell server and other IT equipment to support the Lockheed Martin IQ database.

Clinton Foundation officials explained to the GSA that they wanted the Dell server housed at foundation headquarters rather than at Clinton’s personal office. They explained in an email that the foundation office had better air conditioning, allowing it to support “about 10-15 more servers,” and also it was where IT staff were based, so “trouble shooting with the servers can be done ASAP.”

The GSA staff asked Graham, then serving as the foundation’s COO, to demonstrate that “safeguards are in place to ensure that the servers are solely for use by” Clinton’s personal office. A note affixed to the bottom of an email produced pursuant to POLITICO’s FOIA indicates that the GSA ultimately decided not to purchase the Dell server.

Asked about the reasoning this week, a GSA spokesman suggested that Clinton’s representatives failed to provide sufficient evidence that the Dell server was not for use by the foundation.

“Consistent with the support we provide to every former President, GSA does not approve purchases for entities other than the offices of former Presidents,” the spokesman said. “In this case, GSA staff sought clarification about the intended use of proposed purchases. Ultimately, the referenced server was not purchased.”

But, perhaps highlighting the confusion caused by the overlapping spheres in the Clinton’s universe, the Clinton aide offered a different recollection. “We believe that the information GSA provided you with is incomplete. Our files show that GSA purchased the Dell server that operates the IQ database in 2010.”

Rachael Bade, Cory Bennett and Eric Geller contributed to this report.