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  • MIL-OSI: Safe Money Report Releases 2025 Strategic Update on Wealth Protection Amid the Age of Chaos

    Source: GlobeNewswire (MIL-OSI)

    Miami, July 03, 2025 (GLOBE NEWSWIRE) —

    SECTION 1 – Introduction

    The global investment landscape is undergoing a historic shift, creating an urgent need for action. Amid inflationary pressures, geopolitical disruption, and conflicting signals from financial markets, individual investors are facing mounting uncertainty. In what financial analyst Martin Weiss terms the “Age of Chaos,” the traditional rules of investing are being challenged by rapid technological change, shifting fiscal policies, and evolving global alliances.

    Recent market anomalies underscore this volatility. Breakout earnings reports from leading tech firms have been met with unexpected stock declines. Gold prices are climbing even as investor sentiment wavers. Meanwhile, the U.S. dollar, which has been an extended global stabilizer, is facing pressure from currency realignment and prolonged fiscal imbalances. These conditions have raised urgent questions about how to preserve capital in a climate where risk is no longer easily defined.

    Online search behavior reflects the public’s growing concern. Queries related to “wealth protection,” “safe investments 2025,” and “inflation hedge strategies” have surged in recent months. Investors are actively seeking data-backed, non-promotional insights that go beyond market speculation. They are asking not just whether to buy or sell, but how to realign long-term strategies to weather sustained volatility.

    Against this backdrop, Safe Money Report has issued a 2025 update anchored in historical precedent, analytics-driven methodologies, and principles of liquidity and independence. The practicality of this update, designed to provide a reassuring reference point for investors seeking clarity in an era marked by unpredictability, instills confidence in their investment decisions.

    Further details are available through Weiss Ratings’ official publications.

    SECTION 2 – Company/Product Announcement

    In response to a wave of economic disruption and growing investor uncertainty, Safe Money Report has released a 2025 update outlining its strategic six-step framework for navigating what it terms the “Age of Chaos.” The announcement, developed by financial analyst Martin Weiss and backed by over five decades of market observation, builds on Weiss Ratings’ independent, data-driven model for assessing asset stability across multiple sectors, ensuring the objectivity and security of the analysis.

    The six-part strategy addresses key areas of concern voiced in public discourse and reflected in market behavior, including asset liquidity, portfolio exposure, inflation hedging, digital currency volatility, and the future role of alternative asset classes, such as farmland. Each step is designed to provide a comprehensive approach to wealth protection, emphasizing flexible, research-backed principles that investors can consider when evaluating current holdings or future positions.

    Central to the 2025 release is Weiss Ratings’ algorithmic model — a platform that draws on over 100 years of financial data, tens of thousands of data points per security, and a proprietary ratings system designed to function without external influence. This model, which has historically identified key turning points such as the 2008 financial crisis and the dot-com collapse, provides a non-emotional analytical foundation during periods of extreme volatility, making it a reliable tool for investors.

    According to the update, the new economic environment demands adaptability. The Weiss framework encourages investors to consider criteria such as daily trading volume, institutional-grade liquidity thresholds, and historical resilience under inflationary conditions. For instance, by analyzing the daily trading volume of a stock, investors can gauge its market liquidity and potential for quick sale. The six-step approach, informed by both traditional economic indicators and emerging signals from non-traditional sectors, is intended to serve as an informational resource for those seeking to safeguard long-term wealth in an unstable market.

    While the Safe Money Report refrains from offering personalized investment advice, its publication highlights a growing demand for independent analysis untethered from mainstream market narratives. In 2025, this release marks a structured effort to equip investors with data-driven perspectives, historical context, and systematized risk awareness, tailored to an era where market conditions remain in constant flux.

    SECTION 3 – Trend Analysis / Consumer Interest Overview

    Across public forums, financial news outlets, and digital search trends, one theme dominates the investor landscape in 2025: uncertainty. Search engine data indicates a growing interest in phrases such as “how to protect retirement from inflation,” “market chaos strategy,” and “safe asset classes.” Investors are actively seeking guidance that does not rely on speculative commentary or unverified opinions, but rather on grounded historical analysis and algorithmic insights.

    The term “Age of Chaos,” now gaining visibility among financial audiences, encapsulates this emerging outlook. Rather than focusing solely on individual asset classes or geopolitical events, it suggests a broader, systemic volatility — one marked by unpredictable policy shifts, economic fragmentation, and compressed investment cycles. In this context, traditional long-term assumptions about market recovery and asset correlation are increasingly being questioned.

    The Safe Money Report identifies this shift not as a short-term anomaly but as a structural transformation in how risk is perceived. Evidence from past crises, including the 2008 banking collapse and the 2000–2003 tech correction, supports the premise that periods of instability are often accompanied by brief rallies, followed by deeper contractions. Today’s landscape — with its rising gold prices, fluctuating technology stock valuations, and increasing attention to digital assets — is exhibiting similar characteristics.

    In response, public commentary has begun to focus more on portfolio positioning strategies that account for non-linear risks. Liquidity has become a key topic of discussion. Investors are increasingly skeptical of hard-to-exit assets or overly complex instruments, and instead are seeking investments that are simple to understand, transparent in structure, and easily adjusted.

    The current environment has also sparked a broader reevaluation of what constitutes “safe” investment behavior. As interest in central bank policy, dollar stability, and alternative currencies grows, so too does demand for analytical tools that can decode macroeconomic volatility without bias. This is where platforms like Weiss Ratings, which avoid promotional partnerships or external incentives, are seeing increased engagement. Rather than promise outcomes, these tools aim to provide frameworks for understanding the evolving nature of economic risk and market fragility.

    The full research update is accessible via Weiss Ratings’ publicly released materials.

    SECTION 4 – Spotlight on Strategic Components: Six Data-Driven Focus Areas

    The Safe Money Report 2025 framework is built on six primary focus areas that reflect long-standing economic signals and current shifts in asset behavior. Each has been selected not as a prediction vehicle, but as a lens through which to assess investment resilience amid ongoing volatility.

    1. Liquidity and Flexibility Screening

    At the foundation of the report’s framework is the principle of asset liquidity. Investments that can be easily entered or exited are central to maintaining financial agility in uncertain markets. Metrics such as average daily trading volume and minimum market capitalization thresholds are used as filters — not guarantees — to evaluate accessibility under rapidly changing conditions.

    2. Risk-Based Stock Ratings

    The Weiss Ratings model evaluates thousands of publicly traded companies against a range of stability and performance indicators. Stocks with consistently low ratings have been highlighted in recent communications as potentially vulnerable during periods of macroeconomic strain. These assessments are driven entirely by data inputs and proprietary scoring algorithms, without promotional intent.

    3. Historical Inflation Hedges: Gold

    Gold’s historical role as a hedge against currency devaluation and inflation has positioned it as a recurring area of interest in times of fiscal pressure. The report outlines this trend in neutral terms, citing past monetary shifts, such as the end of the gold standard in 1971, and their correlation with gold’s upward movement, without speculating on future pricing or returns.

    4. Market Signal Volatility and Emerging Asset Modeling

    As part of its broader modeling approach, Weiss Ratings includes observational data sets related to non-traditional asset classes, particularly those exhibiting high volatility cycles and inconsistent correlation with legacy financial indices. These asset categories, while not universally defined or adopted across institutions, have gained visibility in academic and research environments due to their periodic divergence from traditional investment patterns.

    The Safe Money Report includes this segment solely to acknowledge the role of high-variance instruments within volatility forecasting models. No investment recommendations or endorsements are provided. All data references are based on cyclical trends and historical behavior patterns without forward-looking claims or speculative commentary.

    5. Farmland and Alternative Real Estate

    Global agricultural land, particularly regions with low natural disaster risk and high food production capacity, is discussed as a long-term value store. Rather than promoting real estate purchases, the update highlights macroeconomic data suggesting increasing institutional interest in land-based assets during trade disruptions or currency weakness.

    6. Data-Guided Diversification Principles

    The sixth focus area emphasizes neutrality and independence in asset selection. Rather than relying on prevailing narratives or media sentiment, the report advocates for a systematic approach to evaluating diversification strategies through unbiased, long-term data modeling.

    These six pillars are not presented as guarantees or recommendations, but rather as analytical categories shaped by historical precedent and current volatility. Their inclusion reflects Safe Money Report’s effort to provide investors with structured context in the absence of certainty.

    SECTION 5 – Public Interest and Market Tone

    Recent shifts in online investor communities indicate a growing interest in frameworks that prioritize objectivity over speculation. While social media and financial forums remain saturated with short-term forecasts and high-frequency commentary, a parallel conversation has emerged: one centered on navigating prolonged uncertainty with data-first tools and historically grounded insights.

    Within this context, Safe Money Report has seen renewed interest from readers seeking clarity in what many now label an “unreadable” or “irrational” market. The term “Age of Chaos” itself has become a focal point in these discussions — a metaphor not only for economic conditions, but also for the perceived breakdown of traditional investing norms. Observers note that price action often diverges from fundamentals, with events such as strong earnings reports followed by market declines, or bullish policy moves met with retreat in equity indices. This disconnect has led many to seek out alternative interpretive models that are rooted in quantitative research rather than commentary.

    Feedback trends suggest that investors are especially drawn to the idea of rules-based frameworks, not as a way to predict market movements, but as a method for insulating decision-making from emotional swings. Terms like “bias-free ratings,” “independent signals,” and “data over headlines” are increasingly cited in discussions about financial preparedness. This echoes a wider public concern: how to plan responsibly when both optimism and pessimism seem unreliable as guiding principles.

    Additionally, the public narrative is shifting from short-term return maximization to long-term asset preservation. As attention to inflation rises and skepticism grows about centralized financial messaging, more investors are expressing interest in strategies that emphasize structural safety: liquid equities, tangible assets, and diversified exposure to sectors less correlated with traditional stock indices.

    While the Safe Money Report does not offer personalized advice, its model portfolio and analytical reports are gaining traction among those who view historical modeling and independent oversight as preferable alternatives to market-timed trading or sentiment-driven speculation. The ongoing reception appears to reflect a growing consensus that durable frameworks — even those without guarantees — may be the most practical tools available in navigating a market that no longer adheres to familiar rules.

    A comprehensive overview of the six-part methodology is featured in Weiss Ratings’ latest release.

    SECTION 6 – Availability and Transparency Statement

    The full 2025 strategic update from Safe Money Report, including its six-part framework for navigating market volatility, is now available to the public through Weiss Ratings. The content is designed for informational purposes only and is based entirely on independently developed research methodologies. It does not represent personalized investment advice, financial guarantees, or any form of promotional solicitation.

    Weiss Ratings remains privately held and operates without advertising sponsorships, ensuring that no outside party influences the analysis or ratings it provides. All insights contained within the Safe Money Report are driven by proprietary algorithms and long-range historical data, not market trends or promotional partnerships.

    Readers seeking further context can consult Weiss Ratings’ published materials, which detail the firm’s algorithmic modeling practices, asset evaluation methodologies, and archived forecasting studies. These resources are designed to support informed investor decision-making in environments where traditional predictive models may no longer be applicable.

    The current update reflects an ongoing commitment to data transparency, neutral positioning, and accessibility in financial analysis. It is one of several recurring informational releases Weiss Ratings makes available to the investing public.

    SECTION 7 – Final Observations & Industry Context

    The release of the Safe Money Report 2025 update arrives during a period when investor expectations are being reshaped by prolonged volatility and skepticism toward traditional market narratives. From institutional investors to retail market participants, the demand for data-backed, transparent, and independent frameworks continues to accelerate. The appetite for actionable intelligence has not disappeared, but the threshold for credibility has evolved.

    A defining trend across the financial industry is the growing rejection of opaque product offerings and media-driven investment cycles. In their place, clean-label strategies — rooted in historical precedent, accessible metrics, and conflict-free evaluation — have gained ground. The Safe Money Report, developed under the Weiss Ratings system, reflects this trend by prioritizing algorithmic transparency and long-term analysis over opinion-based guidance.

    In the broader ecosystem of financial research, independent ratings firms have become more relevant to both institutional and private investors seeking to avoid exposure to promotional conflicts of interest. The events of the past two decades — including multiple financial crises, asset bubbles, and regulatory failures — have underscored the importance of analytical models that operate outside the sphere of influence held by banks, brokers, and fund managers.

    As 2025 progresses, the challenges facing investors appear less likely to be resolved by short-term optimism and more likely to demand frameworks grounded in realism and historical literacy. The Safe Money Report release, while not prescriptive, contributes to this shift by presenting a systematic view of market behavior and economic fragility — one shaped by data, tested by precedent, and delivered with complete transparency.

    SECTION 8 – Public Commentary Theme Summary

    As conversations surrounding the “Age of Chaos” accelerate across financial forums, publications, and informal investor networks, several recurring themes have emerged — many reflecting heightened uncertainty. In contrast, others suggest cautious optimism rooted in historical precedent.

    Some observers have noted a growing disconnect between market fundamentals and short-term price behavior. This has led to broader discussions around the value of tools that prioritize data objectivity over media-driven sentiment. In particular, public interest is shifting toward ratings frameworks and risk models that operate without promotional sponsorship or institutional bias.

    Others have expressed concern about the reliability of traditional guidance in the current environment. With central banks pursuing varied monetary responses, geopolitical tensions disrupting supply chains, and asset correlations shifting unpredictably, many investors are raising questions about the long-term viability of conventional portfolio allocations.

    At the same time, a recurring discussion point involves the search for inflation hedges and value preservation strategies outside of traditional equities. Farmland, digital assets, and precious metals are increasingly appearing in public discourse, not as speculative investments, but as part of broader diversification conversations.

    Still, skepticism remains. Some have raised valid concerns about the feasibility of applying historical frameworks to modern market structures, which are shaped by artificial intelligence, algorithmic trading, and global interdependence. While historical case studies can offer context, not all investors agree on their applicability in an age of technological acceleration.

    A consensus has emerged, recognizing uncertainty as the default condition, rather than the exception. As a result, discussions continue to explore the potential of frameworks — such as those presented in the Safe Money Report — to help make sense of a market where volatility is not temporary, but structural.

    SECTION 9 – About the Company

    Founded in 1971 by Martin D. Weiss, Weiss Ratings is an independent financial research and ratings organization that delivers data-driven analysis of stocks, mutual funds, ETFs, banks, and insurance companies. The firm maintains a conflict-free model, accepting no advertising or compensation from the companies it evaluates. Its proprietary ratings system is based on more than a century of market history and thousands of performance indicators.

    Weiss Ratings aims to provide investors with transparent, algorithm-based tools that support informed financial decisions in uncertain market environments. Its methodologies are designed to operate independently of institutional influence, emphasizing data integrity and long-term historical context.

    Weiss Ratings does not provide treatment, personalized investment advice, or diagnostic financial services. All published material is for informational purposes only and intended for a general audience.

    Contact:

    The MIL Network –

  • MIL-OSI New Zealand: Property Market – Modest value growth in NZ property re-emerges in June – Cotality NZ

    Source: Cotality NZ

    Property values in Aotearoa New Zealand ticked up by +0.2% in June, reversing two minor monthly falls of -0.1% apiece in April and May, according to Cotality NZ’s latest hedonic Value Index (HVI).

    At $815,389 in June, property values remain -16.1% down from the January 2022 peak, however they have managed to edge up by a total of +1.1% since September last year and by +0.6% in 2025 so far.

    Values around the main centres were either flat in June or up slightly. Tāmaki Makaurau Auckland and Te Whanganui-a-Tara Wellington were stable, but there was a +0.2% rise in Ōtepoti Dunedin, +0.3% in Kirikiriroa Hamilton, and +0.6% each in Tauranga and Ōtautahi Christchurch.

    Cotality NZ (formerly CoreLogic) Chief Property Economist Kelvin Davidson said the result emphasised the current variability of the market.

    “On one hand, mortgage rates have come down a long way, and that benefits borrowers whether they’re in Whangārei or Winton. But the normal upwards influence this would tend to have on sales volumes and property values is currently being dampened by other forces.”

    “In particular, the abundance of listings on the market means most buyers aren’t in a rush and can be quite tough when it comes to price negotiations.”

    “The subdued labour market remains an important factor, too. After all, it’s not only the direct job losses that are problematic, but a reduction in security for those who have kept their jobs will also be weighing on the property market.”

    “Of course, problems for some are opportunities for others, and a soft market is providing plenty of scope for first home buyers.”

    “Mortgaged multiple property owners also remain on the comeback trail, particularly at the smaller end – those buying their first rental investment, or perhaps their second.”

    National and Main Centres
    Region
    Change in dwelling values
    Month
    Quarter
    Annual
    From peak
    Median value
    Tāmaki Makaurau Auckland
    0.0%
    -0.4%
    -1.0%
    -20.9%
    $1,079,747
    Kirikiriroa Hamilton
    0.3%
    0.5%
    2.0%
    -10.0%
    $752,125
    Tauranga
    0.6%
    0.1%
    -1.1%
    -16.5%
    $915,657
    Te-Whanganui-a-Tara Wellington*
    0.0%
    -1.0%
    -5.0%
    -24.6%
    $797,457
    Ōtautahi Christchurch
    0.6%
    0.8%
    2.5%
    -4.5%
    $678,364
    Ōtepoti Dunedin
    0.2%
    0.2%
    -0.4%
    -10.7%
    $614,656
    Aotearoa New Zealand
    0.2%
    -0.1%
    -0.7%
    -16.1%
    $815,389

    Tāmaki Makaurau Auckland
    June was another variable month for the sub-markets across Tāmaki Makaurau Auckland, with Papakura down by -0.7%, and North Shore, Rodney, Waitakere, and Manukau also recording modest falls. By contrast, Auckland City recorded a +0.3% rise and Franklin was up by +0.5%.
    Most of these areas remain lower than three months ago as well, although Auckland City has edged higher by +0.2% since March.

    Mr Davidson said: “There have been hints in the past few months that the stock of listings available on the market in Tāmaki Makaurau Auckland has started to drop slightly. But listings remain high, and, as with many other parts of the country, this means buyers still have the upper hand.”

    “In this environment, it’s not surprising to see continued patchiness in values around the super-city.”

    Te Whanganui-a-Tara Wellington

    Generally speaking, June was also another subdued month for property values in the wider Te Whanganui-a-Tara Wellington area.

    Indeed, Te Awa Kairangi ki Tai Lower Hutt edged down by -0.2%, Wellington City and Kāpiti Coast were flat, while Porirua and Te Awa Kairangi ki Uta Upper Hutt managed modest increases of +0.1-0.2%. Only Kāpiti Coast has shown a (small) rise since March.

    “Te Whanganui-a-Tara Wellington’s previous sharp downturn in property values seems to have come to an end, no doubt reflecting the influence of lower mortgage rates. But values are yet to show any clear upwards trend, and alongside high levels of listings, the uncertainty around public sector employment is likely to remain a restraining factor in Te Whanganui-a-Tara Wellington too,” said Mr Davidson.

    Regional results
    Outside the main centres, property values were a mixed bag in June.

    For example, Rotorua was down by -0.7%, with Tūranganui-a-Kiwa Gisborne, Whanganui, and Heretaunga Hastings all dropping modestly. But Whangārei, Te Papaioea Palmerston North, Waihōpai Invercargill, and Tāhuna Queenstown saw rises in June of least +0.4%.

    “It’s always difficult to cast a wide net over every region and conclude that any one factor is driving provincial housing markets. At present, for example, lower mortgage rates are obviously a common factor, while some will be faring better than others off the back of a strong dairy sector.”

    “Ultimately, the wider economic uncertainty we’re currently seeing and a subdued labour market still seem to be causing property market variability from month to month in a number of regions,” added Mr Davidson.

    Property market outlook
    Looking ahead, Mr Davidson suggested that ‘caution’ remains a key word.

    “In this environment where buyers have the upper hand and economic sentiment remains subdued, it’s hard to see these ‘flat’ housing market conditions suddenly turning around within a month or two.”

    “The Reserve Bank’s upcoming official cash rate decisions, including a probable hold next week on Wednesday 9th, aren’t likely to sway the housing market too much.”

    “One factor that has been getting attention lately is the potential boost to the economy and property market that might be provided as existing mortgage-holders reprice from a current average rate of around 5.9% down towards prevailing interest rates of 5% or less. But some might save that extra cash or even keep their repayments the same and reduce the term of the loan.”

    “In other words, for every upwards influence on the housing market at present, you can probably find a downwards factor. All in all, given that values have only risen by less than 1% over the first half of 2025, a modest calendar year gain in the range of 2-3% now seems on the cards, rather than anything stronger,” Mr Davidson concluded.

    For more property news and insights, visit www.corelogic.co.nz/news-research.

    Notes:
    The Cotality Hedonic Home Value Index (HVI) is calculated using a hedonic regression methodology that addresses the issue of compositional bias associated with median price and other measures. In simple terms, the index is calculated using recent sales data combined with information about the attributes of individual properties such as the number of bedrooms and bathrooms, land area and geographical context of the dwelling. By separating each property into its various formational and locational attributes, observed sales values for each property can be distinguished between those attributed to the property’s attributes and those resulting from changes in the underlying residential property market. Additionally, by understanding the value associated with each attribute of a given property, this methodology can be used to estimate the value of dwellings with known characteristics for which there is no recent sales price by observing the characteristics and sales prices of other dwellings which have recently transacted. It then follows that changes in the market value of the entire residential property stock can be accurately tracked through time.

    The detailed ‘frequently asked questions’ and methodological information can be found at:https://www.corelogic.co.nz/our-data/hedonic-index

    MIL OSI New Zealand News –

  • MIL-OSI Africa: W Cape completes housing market studies for seven municipalities

    Source: Government of South Africa

    W Cape completes housing market studies for seven municipalities

    The Western Cape Department of Environmental Affairs and Development Planning, in collaboration with the Department of Infrastructure, has completed the second round of housing market studies across seven municipalities.

    The Western Cape MEC for Local Government, Environmental Affairs and Development Planning, Anton Bredell, said this initiative is part of the provincial government’s ongoing efforts to better understand the dynamics of the local housing market. 

    According to Bredell, the goal is to promote well-located, affordable housing opportunities and to support the development of municipal inclusionary housing policies, where appropriate.

    The municipalities included in this latest phase are Swartland, Saldanha Bay, Overstrand, Breede Valley, Bitou, Knysna, and Oudtshoorn. 

    The studies provide critical insight into how local housing markets function, highlighting trends in supply and demand, affordability challenges, and opportunities for both private and public sector investment. 

    The housing market studies also build on the first round of research completed for Drakenstein, Stellenbosch, George, and Mossel Bay. 

    Based on recent findings, Stellenbosch Municipality has developed and begun implementing its Inclusionary Zoning Policy in targeted areas, aiming to increase the supply of affordable and well-located housing opportunities.

    The second round of the study has identified several common challenges faced by municipalities, emphasising the need for targeted, evidence-based interventions to improve housing affordability and the overall functionality of the market.

    The study has revealed that widespread affordability constraints are restricting access to formal housing, particularly for lower-income households. 

    In these segments, the demand for housing significantly exceeds the supply, mainly due to affordability challenges.

    In addition, there is a substantial undersupply of entry-level housing (priced up to R300 000) and affordable housing (priced between R300 000 and R600 000). 

    ”There is limited formal housing available for households that can afford or qualify within this price range,” Bredell said.

    Meanwhile, the conventional housing market segment (priced between R600 000 and R900 000) is also experiencing significant shortages, with the number of potential buyers or households vastly exceeding the available housing stock.

    In contrast, the high-end housing market (priced between R900 000 and R1.2 million) and the luxury market (priced above R1.2 million) are generally well supplied, featuring a higher share of both existing stock and new market-driven development activities.

    “The imbalance in the housing market, characterised by a shortage of affordable options in the lower and middle segments and an oversupply in the upper-end market, is leading to a rise in informal housing and backyard dwellings. As households struggle to access formal housing, they are compelled to seek alternative shelter solutions.

    “It is also worth noting that the studies primarily reflect trends within the formal housing market,” said Bredell.

    As such, the study found that informal settlements, backyard dwellings, and subsidised units without title deeds are underrepresented. 

    “This suggests that the true scale of housing need, especially among the lowest income groups, is likely even greater than reflected in the data.”

    The Western Cape MEC for Infrastructure, Tertuis Simmers, emphasised that these studies are pivotal in giving us the intelligence to invest smarter, plan better, and partner more effectively to deliver affordable housing where it’s needed most. 

    ”The housing crisis is not just about quantity, it’s about access, location, and dignity, and this data helps us respond in ways that are practical, targeted, and inclusive,” Simmers said. 

    In addition, Bredell believes that the insights from the housing market studies will assist municipalities in developing appropriate responses to housing affordability challenges. 

    “This may include developing an Inclusionary Housing Policy, Affordable Housing Strategy, refining the Municipal Spatial Development Framework, Integrated Development Plan, and Human Settlements Plan, while also exploring innovative approaches beyond traditional state-subsidised housing delivery that enable the delivery of affordable housing,” Bredell added. 

    The provincial government said the final phase of the project, scheduled for 2025/26, will revisit and update the original four municipal studies that were undertaken in the first round.  

    “It will also include a knowledge-sharing workshop and the publication of a consolidated comparative report. This report will identify key trends, highlight regional differences, and outline strategic interventions to enhance housing market performance across the province.” – SAnews.gov.za

    Gabisile

    MIL OSI Africa –

  • MIL-OSI New Zealand: Pain inflicted on lives of public service workers exposed in housing report – PSA

    Source: PSA

    The Government’s deep and wide cuts to public service jobs have taken its toll on the housing market over the past year, as well as the lives of public service workers and public services.
    Cotality NZ (formerly CoreLogic) latest home value index showed Wellington remaining the outlier, the only major metropolitan region experiencing big falls over the year (-5%) and over the last three months (-1%). There was also no change in house prices over June in Wellington.
    “The deep wounds inflicted by the Government’s rushed job cuts have been laid bare by the impact on the housing market,” said Fleur Fitzsimons, National Secretary for the Public Service Association Te Pūkenga Here Tikanga Mahi.
    “The Government not only cut jobs, but there remains a continued threat to the security of employment in Wellington.
    “Insecure employment undermines the ability of people to make important life decisions like buying a house and starting a family.
    “The cuts and proposed changes to personal grievance protections which amount to a fire at will approach will make it harder for people to commit to buying a home, putting down roots and having children.
    “Lives have been turned upside down by this Government with little sympathy for the disruption it has caused.
    “This is a heartless government which continues to think up new ways to erode the rights of workers and undermine the capability of the public service.
    “Wellington’s economy continues to suffer from its decisions and ordering workers to spend more time in the office is ignoring the real reason for the city’s slump.”
    The Public Service Association Te Pūkenga Here Tikanga Mahi is Aotearoa New Zealand’s largest trade union, representing and supporting more than 95,000 workers across central government, state-owned enterprises, local councils, health boards and community groups.

    MIL OSI New Zealand News –

  • MIL-OSI USA: Attorney General James Announces Arrests of Bronx Deed Thieves for Stealing $340,000 Share of Family Home

    Source: US State of New York

    EW YORK – New York Attorney General Letitia James today announced the arrests and indictments of Chenenne Guevarra-Francis, a retired New York City Police Department (NYPD) detective; Merrick Dammar, an attorney; and Barbara Guevarra-Francis, a retired nurse, for stealing a 50 percent ownership stake of a family home in the Bronx worth approximately $340,000. An investigation by the Office of the Attorney General (OAG) revealed that Chenenne Guevarra-Francis and her mother, Barbara, used a forged deed and other forged documents to steal the ownership stake of a home belonging to Chenenne’s sister and Barbara’s daughter, Charmein. Dammar prepared and notarized these forged documents on the day that Charmein died, allowing Chenenne and Barbara to steal the home out from under Charmein’s husband, who should have inherited his wife’s stake in the home. Chenenne, Barbara, and Dammar were all charged with felonies and arraigned today before a judge in Bronx County Supreme Court. 

    “Deed theft is a heartless crime, and it’s particularly tragic when the thieves are stealing from their own family members,” said Attorney General James. “Charmein Guevarra-Francis’ family used her death to steal her share of the family home from her widowed husband, but today we are bringing them to justice. My office will continue to go after deed theft in all of its forms to keep New Yorkers safe in their homes.” 

    Charmein Guevarra-Samuel split the ownership of a home on Eastchester Road in the Bronx with her mother, Barbara, with each owning a 50 percent stake. Charmein lived in the home for over 15 years with her husband, who stood to inherit her stake upon her death. In July 2020, Charmein suffered cardiac arrest and passed away. Immediately after her death, Barbara and Chenenne used a forged deed and forged property transfer documents to transfer Charmein’s ownership share of the home to themselves, thereby preventing Charmein’s husband from legally inheriting her $340,000 ownership share. Merrick Dammar prepared and notarized these forged documents. 

    The theft was discovered when Charmein’s husband applied for letters of administration for his wife’s estate. In May 2023, Chenenne attempted to evict Charmein’s husband. The OAG successfully blocked this eviction using a new deed theft law advanced by Attorney General James. 

    Chenenne Guevarra-Francis, Barbara Guevarra-Francis, and Merrick Dammar were each charged with:
    •    Grand Larceny in the Second Degree, a class C felony;
    •    Criminal Possession of Stolen Property in the Second Degree, a class C felony;
    •    Forgery in the Second Degree, a class D felony;
    •    Criminal Possession of a Forged Instrument in the Second Degree, a class D felony; and
    •    Offering a False Instrument for Filing in the First Degree, a class E felony.

    The maximum sentence on the top count is a sentence of five to 15 years in prison. The charges against the defendants are merely accusations and the defendants are presumed innocent until and unless proven guilty in a court of law.

    The OAG thanks the New York State Police for the criminal referral and its assistance with this investigation and prosecution. The OAG also thanks the New York City Department of Finance for their assistance.

    The case was investigated by Detectives Teresa Russo, Christopher Ryan, and Jennifer Garcia, under the direction of Supervising Detectives Anna Ospanova and Walter Lynch, and all under the supervision of Deputy Chief Juanita Bright, along with Detective Specialist John Collins, under the direction of Supervising Detective Norman Doyle, and all under the supervision of Deputy Chief Investigator Sean Donovan. The Investigations Bureau is led by Chief Oliver Pu-Folkes.

    Assistant Attorneys General Lauren Sass and Joy Kieras are handling the prosecution in this matter under the supervision of the Real Estate Enforcement Unit Section Chief Nicholas John Batsidis, Public Integrity Bureau Chief Gerard Murphy, and Deputy Chief Kiran Heer, with assistance from Legal Support Analyst Alexandra Crespo. Both the Investigations Bureau and the Public Integrity Bureau are part of the Division for Criminal Justice. The Division for Criminal Justice is led by Chief Deputy Attorney General José Maldonado and overseen by First Deputy Attorney General Jennifer Levy. 
     

    MIL OSI USA News –

  • MIL-OSI: PLUMAS BANCORP ACQUIRES CORNERSTONE COMMUNITY BANCORP

    Source: GlobeNewswire (MIL-OSI)

    RENO, Nev., July 02, 2025 (GLOBE NEWSWIRE) — Plumas Bancorp (“Plumas”) (Nasdaq: PLBC) announced today the completion of its acquisition of Cornerstone Community Bancorp (“Cornerstone”), the holding company for Cornerstone Community Bank, effective July 1, 2025. On the same day, Cornerstone Community Bank merged with and into Plumas’s subsidiary, Plumas Bank. The transaction was previously announced on January 28, 2025.

    Under the terms of the merger agreement between Plumas and Cornerstone, each issued and outstanding share of common stock of Cornerstone was converted into the right to receive a combination of 0.6608 shares of Plumas common stock and $9.75 in cash. The value of the total deal consideration was approximately $61.3 million, based on the closing price of Plumas common stock of $44.46 per share on June 30, 2025.

    “We are pleased to welcome the clients, employees, and shareholders of Cornerstone,” said Andrew J. Ryback, President and Chief Executive Officer, Plumas Bancorp. “This transaction is a pivotal milestone in our company’s evolution. By integrating Cornerstone Community Bank’s deep local expertise with Plumas Bank’s advanced technology and small business solutions, we are enhancing the services available to our communities. We look forward to providing long-term value to our combined shareholders, clients, team members, and communities we serve.”

    In accordance with the merger agreement, Plumas appointed Ken Robison, a director of Cornerstone, to the board of directors of Plumas and Plumas Bank effective as of July 1, 2025. Mr. Robison is president and broker/owner of Robison Real Estate Corporation in Red Bluff, Calif., and former owner of RE/Max Top Properties. Robison is active in the Tehama and Shasta communities, previously serving on the Red Bluff City Council and as Mayor of Red Bluff for two terms. Robison holds an MBA from California State University, Chico.

    In addition, Cornerstone’s President and Chief Executive Officer, Matthew B. Moseley, will continue with Plumas Bank as Executive Vice President and Market President. Moseley joined Cornerstone Community Bank in August 2011 as a senior vice president/credit administrator. He was promoted to positions as the bank’s executive vice president/chief lending officer, executive vice president/chief banking officer, and executive vice president/chief credit officer. In 2022, Moseley assumed the role of president and CEO of Cornerstone Community Bank and Cornerstone Community Bancorp. Moseley is an honors graduate of Simpson University and an honors graduate of Pacific Coast Banking School.

    Director, President and Chief Executive Officer of Plumas Bancorp and Plumas Bank, Andrew J. Ryback, remarked, “We are pleased to welcome Ken Robison to the board. His extensive involvement in communities within our expanded footprint and knowledge of real estate markets will help us grow and prosper in this region for years to come. We are also excited to welcome Matt Moseley to the executive team as Market President. His wealth of leadership experience, deep credit expertise, and strong regional connections will be invaluable in driving success for our company, clients, and the communities we serve.”

    Robison commented, “I am grateful for the opportunity to serve on the Plumas Bancorp Board and excited to contribute to its ongoing success. The core values of Plumas Bank closely align with those of Cornerstone Community Bank, reinforcing a shared commitment to community growth. I am confident that Plumas Bank’s dedication to its communities will lead to enhanced services in the region. I look forward to supporting the bank’s efforts in delivering innovative financial solutions to small businesses, entrepreneurs, and families in northern California and beyond.”

    Moseley stated, “I am thrilled to join Plumas Bank as we embark on this exciting new chapter together. The synergy between our teams, shared values, and commitment to excellence make this transition seamless and full of potential. I look forward to collaborating to drive innovation, enhance services, and create even greater opportunities for our clients and communities. This is a powerful moment for growth, and I am eager to contribute to the future success of our combined organizations.”

    As of March 31, 2025, Cornerstone had total assets of $648 million, total loans outstanding of $492 million and total deposits of $572 million. With the completion of the merger, Plumas Bank adds four branches in Anderson, Red Bluff and Redding (two branches), California.

    With the addition of Cornerstone, on a pro forma combined basis, Plumas had total assets of approximately $2.3 billion, total loans outstanding of approximately $1.5 billion and total deposits of approximately $1.9 billion as of March 31, 2025 (unaudited).

    Raymond James & Associates, Inc. served as financial advisor to Plumas in the transaction. Sheppard, Mullin, Richter & Hampton LLP served as legal counsel to Plumas. Performance Trust Capital Partners, LLC served as financial advisor to Cornerstone and delivered a fairness opinion to its board of directors. Gary Steven Findley & Associates served as legal counsel to Cornerstone.

    Investor Relations Contact:

    Plumas Bancorp
    5525 Kietzke Lane Ste. 100
    Reno, NV 89511
    775.786.0907 x8908
    investorrelations@plumasbank.com

    Cautionary Note Regarding Forward-Looking Statements

    This release contains “forward-looking statements” that are subject to the safe harbor provided by the Private Securities Litigation Reform Act of 1995. Forward-looking statements include but are not limited to plans, expectations, projections, and statements about Plumas and the benefits of the merger and other statements that are not historical facts. Forward-looking statements involve risks and uncertainties that are difficult to predict. Factors that could cause or contribute to results differing from those in or implied in the forward-looking statements include but are not limited to the ability of Plumas successfully integrate Cornerstone’s business with its own; cost savings being less than anticipated; changes in economic conditions; the risk that the merger disrupts the business of Plumas, Cornerstone or both; difficulties in retaining senior management, employees or customers; and other factors that may affect the future results of the combined company. Further information regarding risk factors is contained in Plumas’s filings with the Securities and Exchange Commission, including its Form 10-K for the year ended December 31, 2024 and its registration statement on Form S-4 with respect to merger, copies of which are available on the SEC’s website at www.sec.gov and the investor relations section of Plumas’s website at www.plumasbank.com. Forward-looking statements made in this release speak only as of the date of this release. Plumas undertakes no obligation to revise or publicly release any revision or update to these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

    The MIL Network –

  • MIL-OSI: PLUMAS BANCORP ACQUIRES CORNERSTONE COMMUNITY BANCORP

    Source: GlobeNewswire (MIL-OSI)

    RENO, Nev., July 02, 2025 (GLOBE NEWSWIRE) — Plumas Bancorp (“Plumas”) (Nasdaq: PLBC) announced today the completion of its acquisition of Cornerstone Community Bancorp (“Cornerstone”), the holding company for Cornerstone Community Bank, effective July 1, 2025. On the same day, Cornerstone Community Bank merged with and into Plumas’s subsidiary, Plumas Bank. The transaction was previously announced on January 28, 2025.

    Under the terms of the merger agreement between Plumas and Cornerstone, each issued and outstanding share of common stock of Cornerstone was converted into the right to receive a combination of 0.6608 shares of Plumas common stock and $9.75 in cash. The value of the total deal consideration was approximately $61.3 million, based on the closing price of Plumas common stock of $44.46 per share on June 30, 2025.

    “We are pleased to welcome the clients, employees, and shareholders of Cornerstone,” said Andrew J. Ryback, President and Chief Executive Officer, Plumas Bancorp. “This transaction is a pivotal milestone in our company’s evolution. By integrating Cornerstone Community Bank’s deep local expertise with Plumas Bank’s advanced technology and small business solutions, we are enhancing the services available to our communities. We look forward to providing long-term value to our combined shareholders, clients, team members, and communities we serve.”

    In accordance with the merger agreement, Plumas appointed Ken Robison, a director of Cornerstone, to the board of directors of Plumas and Plumas Bank effective as of July 1, 2025. Mr. Robison is president and broker/owner of Robison Real Estate Corporation in Red Bluff, Calif., and former owner of RE/Max Top Properties. Robison is active in the Tehama and Shasta communities, previously serving on the Red Bluff City Council and as Mayor of Red Bluff for two terms. Robison holds an MBA from California State University, Chico.

    In addition, Cornerstone’s President and Chief Executive Officer, Matthew B. Moseley, will continue with Plumas Bank as Executive Vice President and Market President. Moseley joined Cornerstone Community Bank in August 2011 as a senior vice president/credit administrator. He was promoted to positions as the bank’s executive vice president/chief lending officer, executive vice president/chief banking officer, and executive vice president/chief credit officer. In 2022, Moseley assumed the role of president and CEO of Cornerstone Community Bank and Cornerstone Community Bancorp. Moseley is an honors graduate of Simpson University and an honors graduate of Pacific Coast Banking School.

    Director, President and Chief Executive Officer of Plumas Bancorp and Plumas Bank, Andrew J. Ryback, remarked, “We are pleased to welcome Ken Robison to the board. His extensive involvement in communities within our expanded footprint and knowledge of real estate markets will help us grow and prosper in this region for years to come. We are also excited to welcome Matt Moseley to the executive team as Market President. His wealth of leadership experience, deep credit expertise, and strong regional connections will be invaluable in driving success for our company, clients, and the communities we serve.”

    Robison commented, “I am grateful for the opportunity to serve on the Plumas Bancorp Board and excited to contribute to its ongoing success. The core values of Plumas Bank closely align with those of Cornerstone Community Bank, reinforcing a shared commitment to community growth. I am confident that Plumas Bank’s dedication to its communities will lead to enhanced services in the region. I look forward to supporting the bank’s efforts in delivering innovative financial solutions to small businesses, entrepreneurs, and families in northern California and beyond.”

    Moseley stated, “I am thrilled to join Plumas Bank as we embark on this exciting new chapter together. The synergy between our teams, shared values, and commitment to excellence make this transition seamless and full of potential. I look forward to collaborating to drive innovation, enhance services, and create even greater opportunities for our clients and communities. This is a powerful moment for growth, and I am eager to contribute to the future success of our combined organizations.”

    As of March 31, 2025, Cornerstone had total assets of $648 million, total loans outstanding of $492 million and total deposits of $572 million. With the completion of the merger, Plumas Bank adds four branches in Anderson, Red Bluff and Redding (two branches), California.

    With the addition of Cornerstone, on a pro forma combined basis, Plumas had total assets of approximately $2.3 billion, total loans outstanding of approximately $1.5 billion and total deposits of approximately $1.9 billion as of March 31, 2025 (unaudited).

    Raymond James & Associates, Inc. served as financial advisor to Plumas in the transaction. Sheppard, Mullin, Richter & Hampton LLP served as legal counsel to Plumas. Performance Trust Capital Partners, LLC served as financial advisor to Cornerstone and delivered a fairness opinion to its board of directors. Gary Steven Findley & Associates served as legal counsel to Cornerstone.

    Investor Relations Contact:

    Plumas Bancorp
    5525 Kietzke Lane Ste. 100
    Reno, NV 89511
    775.786.0907 x8908
    investorrelations@plumasbank.com

    Cautionary Note Regarding Forward-Looking Statements

    This release contains “forward-looking statements” that are subject to the safe harbor provided by the Private Securities Litigation Reform Act of 1995. Forward-looking statements include but are not limited to plans, expectations, projections, and statements about Plumas and the benefits of the merger and other statements that are not historical facts. Forward-looking statements involve risks and uncertainties that are difficult to predict. Factors that could cause or contribute to results differing from those in or implied in the forward-looking statements include but are not limited to the ability of Plumas successfully integrate Cornerstone’s business with its own; cost savings being less than anticipated; changes in economic conditions; the risk that the merger disrupts the business of Plumas, Cornerstone or both; difficulties in retaining senior management, employees or customers; and other factors that may affect the future results of the combined company. Further information regarding risk factors is contained in Plumas’s filings with the Securities and Exchange Commission, including its Form 10-K for the year ended December 31, 2024 and its registration statement on Form S-4 with respect to merger, copies of which are available on the SEC’s website at www.sec.gov and the investor relations section of Plumas’s website at www.plumasbank.com. Forward-looking statements made in this release speak only as of the date of this release. Plumas undertakes no obligation to revise or publicly release any revision or update to these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

    The MIL Network –

  • MIL-OSI: Rate’s Jennifer Beeston Named 2025 HousingWire Woman of Influence

    Source: GlobeNewswire (MIL-OSI)

    CHICAGO, July 02, 2025 (GLOBE NEWSWIRE) — Rate, a leading fintech company, today announced that Jennifer Beeston, EVP of National Sales, has been named a 2025 Woman of Influence by HousingWire. Now in its 16th year, the Women of Influence program honors 100 women across mortgage, real estate, and fintech who are making a measurable impact on their organizations and the broader housing economy.

    “The Women of Influence award highlights the leaders whose work is actively shaping the future of housing, something HousingWire has been committed to recognizing since the program launched 16 years ago,” said Clayton Collins, CEO of HW Media. “HousingWire Women of Influence honorees are leading meaningful progress across the housing economy, with influence spanning mortgage, real estate, and the entire homeownership experience. They’re driving real results at some of the industry’s most impactful organizations.”

    A mortgage loan officer for 18 years, Beeston consistently ranks among the top purchase loan officers in the country. She is the first woman to be named the #1 VA loan originator by Scotsman Guide and currently holds the top spot for VA purchase loan originations nationwide for the second consecutive year.

    Beeston is passionate about financial education. “Every American should understand the basics of finance, including how to buy a house. Homeownership is the cornerstone of wealth creation in America. I educate people on YouTube so that anyone with an interest has access to easy-to-understand information that can help them achieve their financial goals.”

    Media frequently seeks her out for her insights at the intersection of financial education and innovation, including the entry of cryptocurrency into the mortgage lending conversation. On the topic, Beeston notes:

    “As the financial landscape evolves, it’s important for lending to keep pace. Allowing borrowers to count cryptocurrency toward their reserve requirements is a smart, forward-looking move, as long as it’s done responsibly. Many financially savvy clients are building wealth in digital assets, and they shouldn’t have to liquidate just to qualify for a home. We need to meet people where they are while maintaining sensible guardrails.” For more on this topic from Beeston, please listen to this recent interview with Host Josh Lipton on Yahoo Finance.

    As she serves customers nationwide, she combines Rate technology and diverse loan programs with a mission-driven approach. Her platform has earned the trust of over 100,000 YouTube subscribers and garnered national recognition as a trusted expert from prominent outlets, including NewsNation, Yahoo Finance, Fox, Newsweek, and Fortune.

    “Jennifer is the definition of a mission-driven leader,” said Shant Banosian, President of Rate. “She brings passion, intelligence, and heart to everything she does, and the impact she’s made on our business, our team, and the industry at large is nothing short of extraordinary. We’re incredibly proud to see her recognized by HousingWire as a Woman of Influence.”

    In addition to being a top producer, Beeston is the creator of NoStressVA.com, a free online course designed to help veterans and industry professionals better understand and navigate the VA home loan benefit. Her advocacy work combats misinformation and empowers borrowers to make informed decisions—an approach that aligns closely with Rate’s commitment to transparency and consumer-first lending.

    She is also the author of Brainhacked: How Big Tech Trains You to Spend and How to Fight Back, a guide to staying true to your financial goals in the modern era of “click, click, buy.”

    Beeston is a mentor and cultural force within Rate. Her consumer advocacy has generated meaningful brand equity, and inspired colleagues across the organization. Through her voice, content, and leadership, she has become one of the most trusted names in lending.

    “It’s an honor to be named among this year’s Women of Influence,” said Beeston. “The mortgage industry is transforming at a record pace. From new and exciting developments in AI to potential crypto integration, conscious and thoughtful leadership is crucial in ensuring we act in the best interest of our clients and enhance their experience and options for homeownership. This group represents some of the most inspiring, forward-thinking leaders in housing today. I’m proud to stand alongside those who are reimagining how we serve Americans, build trust, and expand access to homeownership. Together, we’re helping shape a more transparent future for the industry.”

    HousingWire’s editorial team selected winners and a panel of industry professionals based on their professional accomplishments, industry contributions, community involvement, and overall influence. The 2025 list reflects the depth and diversity of talent that will lead housing into the future.

    To view the complete list of this year’s honorees, see here: https://www.housingwire.com/articles/announcing-the-2025-women-of-influence/

    About Rate

    Rate Companies is a leader in mortgage lending and digital financial services. Headquartered in Chicago, Rate has over 850 branches across all 50 states and Washington, D.C. Since its launch in 2000, Rate has helped more than 2 million homeowners with home purchase loans, refinances, and home equity loans. The company has cemented itself as an industry leader by introducing innovative technology, offering low rates, and delivering unparalleled customer service. Recent honors and awards include: a Best Mortgage Lender of 2025 by Fortune; Best Mortgage Lender of 2025 for First-Time Homebuyers by Forbes; a Best Mortgage Lender of 2025 for FHA Loans, Home Equity Loans, and Lower Credit Scores by NerdWallet; Best Mortgage Lender of 2025 for Digital Experience and Down Payment Assistance by Motley Fool; Chicago Agent Magazine’s Lender of the Year for seven consecutive years.

    Visit rate.com for more information.

    About HousingWire

    HousingWire is an information services company that provides unique data and research, respected business journalism and must-attend events for housing leaders to use to advance their understanding and business outcomes. Our vision is a world in which housing leaders have a complete view of the housing market, and a broad community of peers with whom they can connect. We are committed to delivering the data, analytics, media, and events that advance this vision.

    Because housing is too important for narrow perspectives and missed connections. Informed housing leaders are better housing leaders. A connected housing industry is a better housing industry. And the full picture always reveals new opportunities.

    Explore more at www.housingwire.com.

    Media Contact(s)

    For Rate:

    press@rate.com

    For HousingWire:

    Lesley Collins
    lesley@hwmedia.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8646a05d-31e9-4ce4-82b1-cbd3b5d4c94a

    The MIL Network –

  • MIL-OSI: Rate’s Jennifer Beeston Named 2025 HousingWire Woman of Influence

    Source: GlobeNewswire (MIL-OSI)

    CHICAGO, July 02, 2025 (GLOBE NEWSWIRE) — Rate, a leading fintech company, today announced that Jennifer Beeston, EVP of National Sales, has been named a 2025 Woman of Influence by HousingWire. Now in its 16th year, the Women of Influence program honors 100 women across mortgage, real estate, and fintech who are making a measurable impact on their organizations and the broader housing economy.

    “The Women of Influence award highlights the leaders whose work is actively shaping the future of housing, something HousingWire has been committed to recognizing since the program launched 16 years ago,” said Clayton Collins, CEO of HW Media. “HousingWire Women of Influence honorees are leading meaningful progress across the housing economy, with influence spanning mortgage, real estate, and the entire homeownership experience. They’re driving real results at some of the industry’s most impactful organizations.”

    A mortgage loan officer for 18 years, Beeston consistently ranks among the top purchase loan officers in the country. She is the first woman to be named the #1 VA loan originator by Scotsman Guide and currently holds the top spot for VA purchase loan originations nationwide for the second consecutive year.

    Beeston is passionate about financial education. “Every American should understand the basics of finance, including how to buy a house. Homeownership is the cornerstone of wealth creation in America. I educate people on YouTube so that anyone with an interest has access to easy-to-understand information that can help them achieve their financial goals.”

    Media frequently seeks her out for her insights at the intersection of financial education and innovation, including the entry of cryptocurrency into the mortgage lending conversation. On the topic, Beeston notes:

    “As the financial landscape evolves, it’s important for lending to keep pace. Allowing borrowers to count cryptocurrency toward their reserve requirements is a smart, forward-looking move, as long as it’s done responsibly. Many financially savvy clients are building wealth in digital assets, and they shouldn’t have to liquidate just to qualify for a home. We need to meet people where they are while maintaining sensible guardrails.” For more on this topic from Beeston, please listen to this recent interview with Host Josh Lipton on Yahoo Finance.

    As she serves customers nationwide, she combines Rate technology and diverse loan programs with a mission-driven approach. Her platform has earned the trust of over 100,000 YouTube subscribers and garnered national recognition as a trusted expert from prominent outlets, including NewsNation, Yahoo Finance, Fox, Newsweek, and Fortune.

    “Jennifer is the definition of a mission-driven leader,” said Shant Banosian, President of Rate. “She brings passion, intelligence, and heart to everything she does, and the impact she’s made on our business, our team, and the industry at large is nothing short of extraordinary. We’re incredibly proud to see her recognized by HousingWire as a Woman of Influence.”

    In addition to being a top producer, Beeston is the creator of NoStressVA.com, a free online course designed to help veterans and industry professionals better understand and navigate the VA home loan benefit. Her advocacy work combats misinformation and empowers borrowers to make informed decisions—an approach that aligns closely with Rate’s commitment to transparency and consumer-first lending.

    She is also the author of Brainhacked: How Big Tech Trains You to Spend and How to Fight Back, a guide to staying true to your financial goals in the modern era of “click, click, buy.”

    Beeston is a mentor and cultural force within Rate. Her consumer advocacy has generated meaningful brand equity, and inspired colleagues across the organization. Through her voice, content, and leadership, she has become one of the most trusted names in lending.

    “It’s an honor to be named among this year’s Women of Influence,” said Beeston. “The mortgage industry is transforming at a record pace. From new and exciting developments in AI to potential crypto integration, conscious and thoughtful leadership is crucial in ensuring we act in the best interest of our clients and enhance their experience and options for homeownership. This group represents some of the most inspiring, forward-thinking leaders in housing today. I’m proud to stand alongside those who are reimagining how we serve Americans, build trust, and expand access to homeownership. Together, we’re helping shape a more transparent future for the industry.”

    HousingWire’s editorial team selected winners and a panel of industry professionals based on their professional accomplishments, industry contributions, community involvement, and overall influence. The 2025 list reflects the depth and diversity of talent that will lead housing into the future.

    To view the complete list of this year’s honorees, see here: https://www.housingwire.com/articles/announcing-the-2025-women-of-influence/

    About Rate

    Rate Companies is a leader in mortgage lending and digital financial services. Headquartered in Chicago, Rate has over 850 branches across all 50 states and Washington, D.C. Since its launch in 2000, Rate has helped more than 2 million homeowners with home purchase loans, refinances, and home equity loans. The company has cemented itself as an industry leader by introducing innovative technology, offering low rates, and delivering unparalleled customer service. Recent honors and awards include: a Best Mortgage Lender of 2025 by Fortune; Best Mortgage Lender of 2025 for First-Time Homebuyers by Forbes; a Best Mortgage Lender of 2025 for FHA Loans, Home Equity Loans, and Lower Credit Scores by NerdWallet; Best Mortgage Lender of 2025 for Digital Experience and Down Payment Assistance by Motley Fool; Chicago Agent Magazine’s Lender of the Year for seven consecutive years.

    Visit rate.com for more information.

    About HousingWire

    HousingWire is an information services company that provides unique data and research, respected business journalism and must-attend events for housing leaders to use to advance their understanding and business outcomes. Our vision is a world in which housing leaders have a complete view of the housing market, and a broad community of peers with whom they can connect. We are committed to delivering the data, analytics, media, and events that advance this vision.

    Because housing is too important for narrow perspectives and missed connections. Informed housing leaders are better housing leaders. A connected housing industry is a better housing industry. And the full picture always reveals new opportunities.

    Explore more at www.housingwire.com.

    Media Contact(s)

    For Rate:

    press@rate.com

    For HousingWire:

    Lesley Collins
    lesley@hwmedia.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8646a05d-31e9-4ce4-82b1-cbd3b5d4c94a

    The MIL Network –

  • MIL-OSI: DVO Real Estate’s David Valger Decodes Multifamily Sector Opportunities On Navatar’s A-Game Podcast: Trump Tariffs, Macroeconomic Trends, Valuations, Salesforce CRM, AI

    Source: GlobeNewswire (MIL-OSI)

    NEW YORK and LONDON, July 02, 2025 (GLOBE NEWSWIRE) — The newest episode of Navatar A-Game features an insightful conversation with David Valger, President of DVO Real Estate, who shares why now may be one of the most attractive times to invest in multifamily real estate—despite uncertainty in the market.

    Hosted by Alok Misra, CEO of Navatar, the episode dives deep into macroeconomic trends, political risk, capital allocation, and how emerging technologies like AI are influencing deal-making and portfolio management in real estate.

    “We are in a historically low spot of valuation,” said Valger. “Cap rates are up, net operating income is down, and capital has been on pause. If you can make a deal work today without betting on cap rate compression or rent growth—you preserve the optionality to outperform when the cycle turns.”

    Key themes explored in the episode include:

    Supply-Demand Imbalance Sets the Stage for Rent Growth

    Valger points out that while multifamily has faced a temporary glut of new supply in high-growth markets, development starts have plummeted due to interest rate hikes and material costs. As a result, the U.S. may face a multifamily unit shortfall of 800,000 to 1 million units over the next 3–5 years, fueling long-term rent growth.

    “Demand is rising. Single-family homes are increasingly unaffordable. If supply stalls, as we expect, rents will climb significantly—even if the Fed doesn’t lower rates immediately,” Valger noted.

    Dislocated Pricing Creates Opportunity for Disciplined Buyers

    As both net operating income (NOI) and cap rates have moved unfavorably, multifamily valuations have fallen. But for investors with dry powder and a long-term view, that creates a rare opportunity to acquire high-quality assets at a discount.

    “You don’t need to underwrite for a home run to end up hitting one,” Valger said. “If you buy right and manage well, the optionality for outperformance is baked in.”

    Tariffs & Trade Policy: Hidden Drivers of Development Economics

    The discussion tackles the Trump administration’s evolving tariff policy and its likely effect on construction materials and development. While some see tariffs as a risk, Valger believes they will raise the cost of entry for less experienced operators and developers—ultimately benefiting firms with strong operations and sourcing capabilities.

    “We’re already well-positioned on cost controls and sourcing. If tariffs raise the bar, it only strengthens the advantage for disciplined investors.”

    Technology & AI: Real Estate’s Next Competitive Edge

    Valger shares how DVO Real Estate is beginning to experiment with AI to improve investor communication and surface distressed opportunities faster.

    “AI can help us identify assets at risk, find signals in data, and make our time more impactful. That’s where the real promise lies.”

    Navatar: Enabling the Future of Private Market Deal-Making

    Throughout the episode, Alok Misra and Valger highlight how technology like Navatar empowers firms to manage deal flow, fundraising, and investor relationships with greater speed and insight—something especially critical in times of market dislocation.

    “We’re seeing a shift. Executives want more than just reporting—they want insights. Navatar is building for that future, bringing together CRM, AI, and deal intelligence in ways that real estate and private equity firms can finally act on,” said Misra.

    Watch the full episode: https://www.youtube.com/watch?v=c_0y7H0dv5Y&t=605s

    Learn more about DVO Real Estate: https://www.dvorealestate.com

    Learn more about on Navatar’s CRM: https://www.navatargroup.com

    About DVO Real Estate

    Founded in 2012 by David Valger, DVO Real Estate is a privately owned real estate investment management firm that has established itself as a sophisticated real estate investor in multifamily assets throughout the United States. DVO follows a fundamental investment philosophy of maximizing returns through value-creation and consistent cash flow. Bringing to bear its expertise and long-standing relationships, the company has grown significantly over the past decade with more than 50 assets comprising over 11,000 apartments and an aggregate value of over $2.5 Billion.

    About Navatar

    Navatar (@navatargroup), the CRM platform for alternative assets and investment banking firms, is a low-touch, high-impact intelligence engine purpose-built for investment workflows across private markets. Our platform delivers seamless intelligence capture, unifies firmwide relationships, and orchestrates complex deal processes—without requiring high-touch input or behavioral change from investment professionals. Backed by over two decades of CRM expertise, Navatar is used by hundreds of global private markets firms to drive institutional knowledge, create early access to opportunities and streamline execution. For more information, visit www.navatargroup.com.

    Sales Team
    Navatar
    sales@navatargroup.com

    The MIL Network –

  • MIL-OSI: DVO Real Estate’s David Valger Decodes Multifamily Sector Opportunities On Navatar’s A-Game Podcast: Trump Tariffs, Macroeconomic Trends, Valuations, Salesforce CRM, AI

    Source: GlobeNewswire (MIL-OSI)

    NEW YORK and LONDON, July 02, 2025 (GLOBE NEWSWIRE) — The newest episode of Navatar A-Game features an insightful conversation with David Valger, President of DVO Real Estate, who shares why now may be one of the most attractive times to invest in multifamily real estate—despite uncertainty in the market.

    Hosted by Alok Misra, CEO of Navatar, the episode dives deep into macroeconomic trends, political risk, capital allocation, and how emerging technologies like AI are influencing deal-making and portfolio management in real estate.

    “We are in a historically low spot of valuation,” said Valger. “Cap rates are up, net operating income is down, and capital has been on pause. If you can make a deal work today without betting on cap rate compression or rent growth—you preserve the optionality to outperform when the cycle turns.”

    Key themes explored in the episode include:

    Supply-Demand Imbalance Sets the Stage for Rent Growth

    Valger points out that while multifamily has faced a temporary glut of new supply in high-growth markets, development starts have plummeted due to interest rate hikes and material costs. As a result, the U.S. may face a multifamily unit shortfall of 800,000 to 1 million units over the next 3–5 years, fueling long-term rent growth.

    “Demand is rising. Single-family homes are increasingly unaffordable. If supply stalls, as we expect, rents will climb significantly—even if the Fed doesn’t lower rates immediately,” Valger noted.

    Dislocated Pricing Creates Opportunity for Disciplined Buyers

    As both net operating income (NOI) and cap rates have moved unfavorably, multifamily valuations have fallen. But for investors with dry powder and a long-term view, that creates a rare opportunity to acquire high-quality assets at a discount.

    “You don’t need to underwrite for a home run to end up hitting one,” Valger said. “If you buy right and manage well, the optionality for outperformance is baked in.”

    Tariffs & Trade Policy: Hidden Drivers of Development Economics

    The discussion tackles the Trump administration’s evolving tariff policy and its likely effect on construction materials and development. While some see tariffs as a risk, Valger believes they will raise the cost of entry for less experienced operators and developers—ultimately benefiting firms with strong operations and sourcing capabilities.

    “We’re already well-positioned on cost controls and sourcing. If tariffs raise the bar, it only strengthens the advantage for disciplined investors.”

    Technology & AI: Real Estate’s Next Competitive Edge

    Valger shares how DVO Real Estate is beginning to experiment with AI to improve investor communication and surface distressed opportunities faster.

    “AI can help us identify assets at risk, find signals in data, and make our time more impactful. That’s where the real promise lies.”

    Navatar: Enabling the Future of Private Market Deal-Making

    Throughout the episode, Alok Misra and Valger highlight how technology like Navatar empowers firms to manage deal flow, fundraising, and investor relationships with greater speed and insight—something especially critical in times of market dislocation.

    “We’re seeing a shift. Executives want more than just reporting—they want insights. Navatar is building for that future, bringing together CRM, AI, and deal intelligence in ways that real estate and private equity firms can finally act on,” said Misra.

    Watch the full episode: https://www.youtube.com/watch?v=c_0y7H0dv5Y&t=605s

    Learn more about DVO Real Estate: https://www.dvorealestate.com

    Learn more about on Navatar’s CRM: https://www.navatargroup.com

    About DVO Real Estate

    Founded in 2012 by David Valger, DVO Real Estate is a privately owned real estate investment management firm that has established itself as a sophisticated real estate investor in multifamily assets throughout the United States. DVO follows a fundamental investment philosophy of maximizing returns through value-creation and consistent cash flow. Bringing to bear its expertise and long-standing relationships, the company has grown significantly over the past decade with more than 50 assets comprising over 11,000 apartments and an aggregate value of over $2.5 Billion.

    About Navatar

    Navatar (@navatargroup), the CRM platform for alternative assets and investment banking firms, is a low-touch, high-impact intelligence engine purpose-built for investment workflows across private markets. Our platform delivers seamless intelligence capture, unifies firmwide relationships, and orchestrates complex deal processes—without requiring high-touch input or behavioral change from investment professionals. Backed by over two decades of CRM expertise, Navatar is used by hundreds of global private markets firms to drive institutional knowledge, create early access to opportunities and streamline execution. For more information, visit www.navatargroup.com.

    Sales Team
    Navatar
    sales@navatargroup.com

    The MIL Network –

  • MIL-OSI Russia: Information on 1,67 thousand city objects appeared on the Moscow Government’s open data portal

    Translation. Region: Russian Federal

    Source: Moscow Government – Government of Moscow –

    The Moscow City Bureau of Technical Inventory (MosgorBTI) is involved in filling Moscow Government Open Data Portal. The institution published information about city blocks. This will allow organizations and Muscovites to receive up-to-date information about the boundaries and characteristics of city territories.

    “Since February 2025, specialists from MosgorBTI have been publishing a catalog of registration blocks on the Moscow government’s open data portal, which today includes information on 1.67 thousand objects. They are used to determine the addresses of real estate located outside of populated areas and not connected to streets. Such objects have the numbers of registration city blocks in the structure of the official address,” she said.

    Ekaterina Solovieva, Minister of the Moscow Government, Head of the Moscow Department of City Property.

    The data.mos.ru portal is a free digital platform that hosts key information about Moscow, its infrastructure, events, and much more. The service helps residents of the capital receive information about department reception schedules, traffic restrictions due to road works, social card replenishment points, and other useful information, including cartographic information.

    The resource can also be used to determine whether the name of the property will use the name of the locality or the number of the city block. In addition, you can find out about its location and connection with localities and municipalities. This data will help application developers integrate information about real estate objects into their own services through API tools.

    The data.mos.ru portal contains more than a thousand data sets and analytical reports, which are available for viewing in catalogs for both users and information systems through a special mechanism for automatic exchange of information – API.

    “You can use the catalog of registered city blocks on the open data portal: the information is posted in the section

    “Territorial division”. There you can also find a collection of materials onarchival elements of the planning structure, which were valid until January 1, 2025. MosgorBTI regularly updates the information on the portal from the Address Register of Moscow Real Estate Objects, so that up-to-date information on the addresses of Moscow real estate is always publicly available. This data set can be found in the section “Land and Property”“, said the general director of MosgorBTI Dmitry Tetushkin.

    The Moscow City Bureau of Technical Inventory provides a wide range of services to city residents – it carries out cadastral and geodetic work, property appraisal and acceptance of apartments. In addition, specialists prepare documents for the approval of redevelopment and the transfer of garden houses into residential ones. You can get detailed information and place an order on the website Mosgorbti.ru or at one of five customer centers.

    Get the latest news quicklyofficial telegram channel the city of Moscow.

    Please note: This information is raw content directly from the source of the information. It is exactly what the source states and does not reflect the position of MIL-OSI or its clients.

    Please Note; This Information is Raw Content Directly from the Information Source. It is access to What the Source Is Stating and Does Not Reflect

    https: //vv.mos.ru/nevs/ite/156148073/

    MIL OSI Russia News –

  • MIL-OSI Europe: Hearings – Public Hearing: Financialisation in the Housing Market: Effects and Policy responses – 03-07-2025 – Special committee on the Housing Crisis in the European Union

    Source: European Parliament

    On 3 July 2025, from 10:00 to 12:30, the HOUS Special Committee will hold a public hearing on ‘Financialisation in the Housing Market: Effects and Policy Responses’. This hearing will examine the impact of financialisation and speculation on rising housing costs, particularly the role of institutional investors, private equity, and vulture funds in the real estate market. Policy measures such as rent control, taxation, and the regulation of large-scale real estate ownership will be discussed.

    The hearing will be structured around two panels. In the first panel experts will explore the fundamental economic drivers of the financialisation in the housing market. The second panel will focus on how to address the challenges of financialisation in the housing market.

    MIL OSI Europe News –

  • MIL-OSI Europe: Highlights – Public Hearing: Financialisation in the Housing Market: Effects and Policy responses – Special committee on the Housing Crisis in the European Union

    Source: European Parliament

    Financialisation in the Housing Market © Adobe Stock

    On 3 July 2025, from 10:00 to 12:30, the HOUS Special Committee will hold a public hearing on ‘Financialisation in the Housing Market: Effects and Policy Responses’. This hearing will examine the impact of financialisation and speculation on rising housing costs, particularly the role of institutional investors, private equity, and vulture funds in the real estate market. Policy measures such as rent control, taxation, and the regulation of large-scale real estate ownership will be discussed.

    The hearing will be structured around two panels. In the first panel experts will explore the fundamental economic drivers of the financialisation in the housing market. The second panel will focus on how to address the challenges of financialisation in the housing market.

    MIL OSI Europe News –

  • MIL-OSI: eXp Realty Names Lofty Preferred Solution Provider in New CRM of Choice Program 

    Source: GlobeNewswire (MIL-OSI)

    PHOENIX, July 01, 2025 (GLOBE NEWSWIRE) — Award-winning real estate technology innovator Lofty today announced the company has been selected as a preferred solution provider in eXP Realty’s new CRM of Choice program. The initiative provides agents day one access to the leading tech platforms in the industry, designed to automate time consuming processes, boost agent productivity and accelerate business growth. A recognized tech innovator, Lofty was chosen for its powerful AI capabilities and proven success in helping other fast-growing brokerages support the entire real estate process — from search to settlement. To learn more about how Lofty can help your brokerage accelerate business growth, visit HERE. 

    • Lofty Wins Company of the Year in Real Estate in 2025 American Business Awards. Read more HERE. 
    • Lofty Named to HousingWire 100 for Sixth Consecutive Year. Read more HERE.

    As the most agent-centric brokerage on the planet, eXp Realty is committed to empowering their global community of agents with the cutting-edge tools they need to succeed. Meanwhile, today’s career-oriented, tech savvy agents have come to expect seamless access to an innovative platform, knowing the indisputable value of technology to augment their own hard work. eXp’s bold new CRM of Choice program, unveiled today, makes it even easier to deliver on this expectation and put the power of freedom, flexibility and control directly into the hands of agents. Designed for solo agents or teams, CRM of Choice empowers real estate professionals to select the system that best aligns with their unique workflow, business structure and goals, underpinned by customized onboarding and training and included within the existing monthly tech package.

    eXp selected Lofty as a preferred solution provider based on the platform’s robust AI capabilities and forward-thinking approach to product development, confident in the company’s ability to consistently deliver the tools agents need to compete in a modern world. Interested agents can join a deep-dive session on Lofty every Monday and Wednesday at 1 p.m. ET. Learn more HERE.

    “We are thrilled to be named a preferred solution provider in eXP Realty’s new CRM of Choice program,” said Brian Hoialmen, Chief Strategy Officer, Lofty. “Built for the way agents work, our AI-powered platform has consistently proven to not only save time and increase efficiencies but serve as a true assistant to agents in their day-to-day work. We look forward to the opportunity to support even more hard-working real estate professionals through this innovative new program.” 

    Lofty’s Enterprise platform was custom built to support the unique and complex needs of all brokerages and is a lynchpin to recruiting and retaining powerhouse agents. An easy to use and intuitive platform, Lofty boasts a 60%+ agent adoption rate, more than double the industry average, and has proven to convert 48% more leads on average than competitors. Featuring a wide range of AI capabilities to help agents quickly and effectively navigate the platform, build strategic marketing and social media content, promote listings, manage leads and more, Lofty empowers agents to instead focus their valued time on building customer relationships. An award-winning tech innovator, Lofty also delivers new features monthly, ensuring agents feel confident they have access to all the modern tools they need to win.

    “Choosing the right CRM is essential to building a scalable real estate business,” said Kendall Bonner, Vice President, Industry Relations and Strategic Partnerships, eXp Realty. “Lofty’s sleek interface and smart automation tools help agents streamline their marketing and manage their pipeline with confidence and clarity.”

    To learn more about how Lofty’s unmatched AI capabilities can help your business grow, visit lofty.com/ai/overview.  

    About Lofty Inc.
    Lofty Inc. (formerly Chime Technologies) provides an AI-powered platform that helps real estate professionals increase their productivity and accelerate business growth. Featuring award-winning technology, the Lofty platform is designed to optimize every step of the real estate journey, from search to settlement. By leveraging one unified hub, customers can automate marketing programs, streamline the sales process, and maximize collaboration between agents, empowering them to spend more time building relationships and their business. Headquartered in Phoenix, Arizona, Lofty provides proven solutions for brokers, teams, and the enterprise. For more information, visit lofty.com.

    Media Contact:
    Sarah Murray
    Attune Communications
    sarah@attunecommunications.com

    About eXp World Holdings, Inc.
    eXp World Holdings, Inc. (Nasdaq: EXPI) (the “Company”) is the holding company for eXp Realty® and SUCCESS® Enterprises. eXp Realty is the largest independent real estate brokerage in the world, with nearly 81,000 agents across 27 countries. As a cloud-based, agent-centric brokerage, eXp Realty provides real estate agents industry-leading commission splits, revenue share, equity ownership opportunities, and a global network that empowers agents to build thriving businesses. For more information about eXp World Holdings, Inc., visit: expworldholdings.com. 

    SUCCESS® Enterprises, anchored by SUCCESS® magazine, has been a trusted name in personal and professional development since 1897. As part of the eXp ecosystem, it offers agents access to valuable resources to enhance their skills, grow their businesses, and achieve long-term success. For more information about SUCCESS, visit success.com.

    Media Relations Contact:
    eXp World Holdings, Inc.
    mediarelations@expworldholdings.com

    Investor Relations
    Denise Garcia
    investors@expworldholdings.com

    Safe Harbor Statement
    The statements contained herein may include statements of future expectations and other forward-looking statements that are based on eXp World Holdings, Inc.’s (the “Company”) management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. These statements include, but are not limited to, expectations regarding the Company’s technology offerings and their availability and value to agents and brokers. Such forward-looking statements speak only as of the date hereof, and the Company undertakes no obligation to revise or update them. Such statements are not guarantees of future performance. Important factors that may cause actual results to differ materially and adversely from those expressed in forward-looking statements include changes in technology platform offerings and other risks detailed from time to time in the Company’s Securities and Exchange Commission filings, including but not limited to the most recently filed Quarterly Report on Form 10-Q and Annual Report on Form 10-K.

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/eee9cd8c-6d59-40de-8539-347dbe3cd1d6

    The MIL Network –

  • MIL-OSI: FinWise Bancorp to Host Second Quarter 2025 Earnings Conference Call and Webcast on Thursday, July 24, 2025

    Source: GlobeNewswire (MIL-OSI)

    MURRAY, Utah, July 01, 2025 (GLOBE NEWSWIRE) — FinWise Bancorp (NASDAQ: FINW) (“FinWise” or the “Company”), the parent company of FinWise Bank, today announced that it will report its second quarter 2025 results and host a conference call and webcast after the market close on Thursday, July 24, 2025.

    Conference Call Information

    The conference call will be held at 5:00 p.m. ET to discuss financial results for the second quarter of 2025. The dial-in number is 1-877-423-9813 (toll-free) or 1-201-689-8573 (international). The conference ID is 13754178. Please dial the number 10 minutes prior to the scheduled start time.

    Webcast Information

    The webcast will be available on the Company’s website at FinWise Earnings Call Live Webcast and a replay of the call will be available at Investor Relations | FinWise Bancorp (gcs-web.com) for six months following the call.  

    Submission of Conference Call Questions

    In addition to questions asked live by analysts during the call, the Company will also accept for consideration questions submitted via email prior to 5:00 p.m. ET on Thursday, July 24, 2025. Please email questions to investors@finwisebank.com.

    About FinWise Bancorp

    FinWise provides Banking and Payments solutions to fintech brands. Its existing Strategic Program Lending business, conducted through scalable API-driven infrastructure, powers deposit, lending and payments programs for leading fintech brands. As part of Strategic Program Lending, FinWise also provides a Credit Enhanced Balance Sheet Program, which addresses the challenges that lending and card programs face diversifying their funding sources and managing capital efficiency. In addition, FinWise manages other Lending programs such as SBA 7(a), Owner Occupied Commercial Real Estate, and Leasing, which provide flexibility for disciplined balance sheet growth. FinWise is also expanding and diversifying its business model by incorporating Payments (MoneyRails™) and BIN Sponsorship offerings. Through its compliance oversight and risk management-first culture, FinWise is well positioned to guide fintechs through a rigorous process to facilitate regulatory compliance.

    For more information on FinWise Bank, visit https://investors.finwisebancorp.com.

    Contacts:
    investors@finwisebank.com
    media@finwisebank.com        

    The MIL Network –

  • MIL-OSI: Unlocking Possibility: AI HomeDesign Joins Forces with MIAMI REALTORS®

    Source: GlobeNewswire (MIL-OSI)

    Vancouver, British Columbia , July 01, 2025 (GLOBE NEWSWIRE) — VANCOUVER, British Columbia, July 1, 2025 – In a move that reflects a growing industry shift toward smarter, faster, and more visually compelling real estate marketing, AI HomeDesign, the ultimate AI toolbox for property listing, proudly announces its partnership with the MIAMI Association of REALTORS®, the largest local REALTOR® association in the United States.

    Through this collaboration, AI HomeDesign becomes part of the official suite of marketing tools offered to MIAMI REALTORS® members, delivering instant access to powerful AI-driven real estate photo editing tools that elevate listing quality and speed to market.

    But this partnership goes beyond platform integration. It sets a model for how forward-thinking associations, MLSs, and brokerages can empower their agents with transformative, easy-to-use technology. By offering seamless access to tools like AI Virtual Staging—which turns vacant rooms into fully styled, buyer-ready spaces in seconds—MIAMI REALTORS® is equipping its members with the clarity, creativity, and conversion power today’s market demands.

    This type of integration isn’t just a one-off benefit for a single association; it’s a scalable solution that can bring similar value to any organization looking to give its agents a competitive edge in an increasingly visual marketplace.

    A Tailored Solution for MIAMI REALTORS®: Built-In Access to AI HomeDesign

    To honor this partnership and spark fresh momentum for South Florida’s real estate visionaries, AI HomeDesign is offering an exclusive 20% discount on its Pro subscription plan, available only to MIAMI REALTORS® members.

    The offer is delivered through a custom integration built specifically for the MIAMI platform, allowing members to seamlessly access the discount via single sign-on (SSO) through their association dashboard.

    The Pro plan unlocks access to AI HomeDesign’s full creative arsenal, including:

    • AI Virtual Staging: Fill any empty space with aesthetic precision and inviting design
    • AI Day to Dusk: Add a twilight touch that turns exteriors into irresistible invitations
    • AI Item Removal: Sweep away distractions with a few clicks. Decluttered, elevated, done
    • AI Photo Enhancement: Illuminate, refine, and polish every pixel for maximum impact

    Not to mention scores of other AI-powered property photo generation and editing tools, all editable in seconds and built to help agents and their property listings stand out.

    Empowering Real Estate Professionals at Scale: Strategic Impact of the AI HomeDesign-MIAMI Partnership

    With AI HomeDesign, professional-grade listing visuals are no longer a luxury or a logistical burden. From the immediate impact of AI virtual staging, an ultra-efficient solution for transforming empty spaces into styled, buyer-ready rooms, to rapid-fire photo edits and enhancements, agents can now showcase a property’s full potential faster, more intelligently, and more affordably than ever.

    At just $0.24 per photo, with 30-second turnaround times and unlimited free revisions, AI HomeDesign enables real estate professionals to operate at the speed of today’s market without compromising quality.

    For associations, MLSs, and brokerages seeking to offer agents a true competitive edge, this is a game-changer. From first impression to final walkthrough, AI HomeDesign empowers agents to create compelling visual narratives that drive interest, engagement, and action, no matter the property type or price point.

    A partnership built on momentum and vision

    “This partnership isn’t just about tools. It’s about transforming how property listings are marketed in a fast-moving, visual-first industry,” said Salar Davari, CEO and Founder of AI HomeDesign. “We believe that every REALTOR®, regardless of their location, company size, or market, should have access to cutting-edge, creative power without needing a design degree or a big marketing budget. Through our collaboration with MIAMI REALTORS®, that belief becomes a daily possibility for MIAMI agents.”

    How to access the offer?

    MIAMI REALTORS® members can now explore AI HomeDesign under the association’s official marketing tools section and redeem their exclusive 20% Pro discount via a special partner page. This is their gateway to creative freedom and next-level property marketing.

    From AI virtual staging that breathes life into empty spaces, to day-to-dusk enhancement, clutter removal, and photo refinement tools that polish every detail, AI HomeDesign gives agents the power to turn ordinary images into easy sales potentials.

    Sometimes, all it takes to spark a buyer’s imagination is an empty room professionally designed into a charming living space.

    About AIHomeDesign.com

    AI HomeDesign is the ultimate AI toolbox for property listing; an advanced real estate photo editing platform serving both B2B and B2C markets. AI HomeDesign partners with brokerages, associations, and MLSs, while also empowering individual REALTORS® and brokers. By combining artificial intelligence with user-friendly, design-driven technology, this SaaS platform streamlines visual marketing workflows, enhances listing visuals, and reduces turnaround times.

    From AI virtual staging and photo enhancement to item removal, day-to-dusk photos, home renovation, and complete room redesigns, AI HomeDesign enables real estate professionals to present every property at its best, quickly, affordably, and at scale.

    AI HomeDesign’s official website is www.aihomedesign.com.

    About the MIAMI Association of REALTORS®

    The MIAMI Association of REALTORS® (MIAMI) was chartered by the NATIONAL ASSOCIATION OF REALTORS® in 1920, and is celebrating 105 years of service to REALTOR® members, the buying and selling public, and the communities in South Florida. Composed of six boards: MIAMI-RESIDENTIAL, MIAMI-COMMERCIAL; BROWARD-MIAMI, a division of MIAMI REALTORS®; JTHS-MIAMI, a division of MIAMI REALTORS® in the Jupiter-Tequesta-Hobe Sound area; MIAMI YPN, our Young Professionals Network Council; and the Corporate Board of Directors. MIAMI REALTORS® represent 58,000 total real estate professionals in all aspects of real estate sales, marketing, and brokerage. It is the largest local REALTOR® association in the U.S. and has official partnerships with 287 international organizations worldwide.

    MIAMI’s official website is www.MiamiRealtors.com.

    The MIL Network –

  • MIL-OSI: Unlocking Possibility: AI HomeDesign Joins Forces with MIAMI REALTORS®

    Source: GlobeNewswire (MIL-OSI)

    Vancouver, British Columbia , July 01, 2025 (GLOBE NEWSWIRE) — VANCOUVER, British Columbia, July 1, 2025 – In a move that reflects a growing industry shift toward smarter, faster, and more visually compelling real estate marketing, AI HomeDesign, the ultimate AI toolbox for property listing, proudly announces its partnership with the MIAMI Association of REALTORS®, the largest local REALTOR® association in the United States.

    Through this collaboration, AI HomeDesign becomes part of the official suite of marketing tools offered to MIAMI REALTORS® members, delivering instant access to powerful AI-driven real estate photo editing tools that elevate listing quality and speed to market.

    But this partnership goes beyond platform integration. It sets a model for how forward-thinking associations, MLSs, and brokerages can empower their agents with transformative, easy-to-use technology. By offering seamless access to tools like AI Virtual Staging—which turns vacant rooms into fully styled, buyer-ready spaces in seconds—MIAMI REALTORS® is equipping its members with the clarity, creativity, and conversion power today’s market demands.

    This type of integration isn’t just a one-off benefit for a single association; it’s a scalable solution that can bring similar value to any organization looking to give its agents a competitive edge in an increasingly visual marketplace.

    A Tailored Solution for MIAMI REALTORS®: Built-In Access to AI HomeDesign

    To honor this partnership and spark fresh momentum for South Florida’s real estate visionaries, AI HomeDesign is offering an exclusive 20% discount on its Pro subscription plan, available only to MIAMI REALTORS® members.

    The offer is delivered through a custom integration built specifically for the MIAMI platform, allowing members to seamlessly access the discount via single sign-on (SSO) through their association dashboard.

    The Pro plan unlocks access to AI HomeDesign’s full creative arsenal, including:

    • AI Virtual Staging: Fill any empty space with aesthetic precision and inviting design
    • AI Day to Dusk: Add a twilight touch that turns exteriors into irresistible invitations
    • AI Item Removal: Sweep away distractions with a few clicks. Decluttered, elevated, done
    • AI Photo Enhancement: Illuminate, refine, and polish every pixel for maximum impact

    Not to mention scores of other AI-powered property photo generation and editing tools, all editable in seconds and built to help agents and their property listings stand out.

    Empowering Real Estate Professionals at Scale: Strategic Impact of the AI HomeDesign-MIAMI Partnership

    With AI HomeDesign, professional-grade listing visuals are no longer a luxury or a logistical burden. From the immediate impact of AI virtual staging, an ultra-efficient solution for transforming empty spaces into styled, buyer-ready rooms, to rapid-fire photo edits and enhancements, agents can now showcase a property’s full potential faster, more intelligently, and more affordably than ever.

    At just $0.24 per photo, with 30-second turnaround times and unlimited free revisions, AI HomeDesign enables real estate professionals to operate at the speed of today’s market without compromising quality.

    For associations, MLSs, and brokerages seeking to offer agents a true competitive edge, this is a game-changer. From first impression to final walkthrough, AI HomeDesign empowers agents to create compelling visual narratives that drive interest, engagement, and action, no matter the property type or price point.

    A partnership built on momentum and vision

    “This partnership isn’t just about tools. It’s about transforming how property listings are marketed in a fast-moving, visual-first industry,” said Salar Davari, CEO and Founder of AI HomeDesign. “We believe that every REALTOR®, regardless of their location, company size, or market, should have access to cutting-edge, creative power without needing a design degree or a big marketing budget. Through our collaboration with MIAMI REALTORS®, that belief becomes a daily possibility for MIAMI agents.”

    How to access the offer?

    MIAMI REALTORS® members can now explore AI HomeDesign under the association’s official marketing tools section and redeem their exclusive 20% Pro discount via a special partner page. This is their gateway to creative freedom and next-level property marketing.

    From AI virtual staging that breathes life into empty spaces, to day-to-dusk enhancement, clutter removal, and photo refinement tools that polish every detail, AI HomeDesign gives agents the power to turn ordinary images into easy sales potentials.

    Sometimes, all it takes to spark a buyer’s imagination is an empty room professionally designed into a charming living space.

    About AIHomeDesign.com

    AI HomeDesign is the ultimate AI toolbox for property listing; an advanced real estate photo editing platform serving both B2B and B2C markets. AI HomeDesign partners with brokerages, associations, and MLSs, while also empowering individual REALTORS® and brokers. By combining artificial intelligence with user-friendly, design-driven technology, this SaaS platform streamlines visual marketing workflows, enhances listing visuals, and reduces turnaround times.

    From AI virtual staging and photo enhancement to item removal, day-to-dusk photos, home renovation, and complete room redesigns, AI HomeDesign enables real estate professionals to present every property at its best, quickly, affordably, and at scale.

    AI HomeDesign’s official website is www.aihomedesign.com.

    About the MIAMI Association of REALTORS®

    The MIAMI Association of REALTORS® (MIAMI) was chartered by the NATIONAL ASSOCIATION OF REALTORS® in 1920, and is celebrating 105 years of service to REALTOR® members, the buying and selling public, and the communities in South Florida. Composed of six boards: MIAMI-RESIDENTIAL, MIAMI-COMMERCIAL; BROWARD-MIAMI, a division of MIAMI REALTORS®; JTHS-MIAMI, a division of MIAMI REALTORS® in the Jupiter-Tequesta-Hobe Sound area; MIAMI YPN, our Young Professionals Network Council; and the Corporate Board of Directors. MIAMI REALTORS® represent 58,000 total real estate professionals in all aspects of real estate sales, marketing, and brokerage. It is the largest local REALTOR® association in the U.S. and has official partnerships with 287 international organizations worldwide.

    MIAMI’s official website is www.MiamiRealtors.com.

    The MIL Network –

  • MIL-OSI: Baltic Horizon Fund publishes its ESG report for 2024

    Source: GlobeNewswire (MIL-OSI)

    Baltic Horizon Fund today announces the release of its annual ESG report for the year of 2024.

    Baltic Horizon introduced its ESG strategy in 2019, and has since allocated consideable efforts on promoting environmental, social, and governance practices across its asset portfolio and in the investment strategies and decision-making processes.

    The past years, Baltic Horizon Fund has operated in a very demanding environment. In 2024, the Fund Management‘s attention has been concentrated on maximizing the potential of its portfolio and each asset to build a solid foundation for the future. In the area of ESG, our efforts have been focused on improving the ESG data quality and embracing green energy sources, in alignment with the growing tenant demand for sustainable and environmentally friendly spaces,‘ commented Tarmo Karotam, Fund Manager for Baltic Horizon Fund.

    Baltic Horizon Fund‘s ESG performance highlights in 2024

    During 2024, Baltic Horizon Fund maintained a 100% portfolio BREEAM certification. The office building Meraki received its BREEAM New Construction certificate in October with the grade Excellent. This certification improves and replaces the design state certificate which had the Very good rating.

    The Fund uses green leases to align and formalize sustainability commitments with the tenants and has set a goal to achieve 100 % of green lease coverage. In 2024, the Fund increased the share of green leases, reaching 98 % coverage by the end of the year.

    The Fund has analyzed its investments in accordance with the EU Taxonomy. In 2024, 23% of the Fund’s real estate investments satisfied the EU taxonomy substantial contribution criteria. This is a significant improvement from 2023 where the taxonomy alignment was 14% .

    During 2024, 86% of the Fund’s properties electricity was renewable. 2 out of 12 assets had on-site solar panels. 10 out of the 12 assets used renewable electricity. To increase the renewable electricity in the portfolio, the Fund has signed private power purchase agreements (PPA) to purchase solar and/or wind power directly from the energy parks. Two of the PPAs became effective in 2024 and more PPAs will enter into force in 2025.

    During 2024, the Fund once again participated in the Global Real Estate Benchmark (GRESB). The Fund received a 3-star GRESB rating in 2024, and has thoroughly analyzed the assessment results and developed an action plan to achieve a 4-star GRESB rating in 2025.

    The full ESG report 2024 is attached and is also available on the Fund’s website: https://www.baltichorizon.com/esg/.

    The Estonian translation of the report is available on the Fund’s website: www.baltichorizon.com/et/esg/.

    For additional information, please contact:

    Tarmo Karotam
    Baltic Horizon Fund manager
    E-mail tarmo.karotam@nh-cap.com
    www.baltichorizon.com

    The Fund is a registered contractual public closed-end real estate fund that is managed by Alternative Investment Fund Manager license holder Northern Horizon Capital AS. 

    Distribution: GlobeNewswire, Nasdaq Tallinn, Nasdaq Stockholm, www.baltichorizon.com

    To receive Nasdaq announcements and news from Baltic Horizon Fund about its projects, plans and more, register on www.baltichorizon.com. You can also follow Baltic Horizon Fund on www.baltichorizon.com and on LinkedIn, Facebook, X and YouTube.

    Attachment

    The MIL Network –

  • MIL-OSI USA: LEADER JEFFRIES STATEMENT ON THE RETIREMENT ANNOUNCEMENT OF REP. DWIGHT EVANS

    Source: United States House of Representatives – Congressman Hakeem Jeffries (8th District of New York)

    Today, Democratic Leader Hakeem Jeffries released the following statement after Congressman Dwight Evans announced he would not seek another term in the House of Representatives:

    For more than four decades, Dwight Evans has served his hometown of Philadelphia as a teacher, community organizer, State Representative and Congressman. He has spent his entire career being a voice for the voiceless and fighting for economic justice in the urban communities that are too often left behind. 

    In Congress, Rep. Evans has served on the powerful Ways and Means Committee, where he has worked to protect Medicare and Social Security and ensure that our nation’s tax code works for everyone – not just the wealthiest 1%. During the 115th Congress as a freshman Member, Dwight introduced and ushered H.R. 6347, the Real Estate Appraisal Harmonization Act, into law to help small business owners get loans. As Republicans push their budget scheme to slash healthcare and nutritional assistance, Dwight has remained in steadfast opposition to this disastrous legislation on behalf of the people he is privileged to represent. 

    Throughout his Congressional career, Dwight has remained rooted in his beloved Philadelphia and has never lost sight of the people back home. He has been a trusted friend to me and so many others in the People’s House and I wish him the best as he begins this next chapter. 

    ###

    MIL OSI USA News –

  • MIL-OSI Russia: Financial news: Bank of Russia survey program for the second half of 2025

    Translation. Region: Russian Federal

    Source: Central Bank of Russia (2) –

    Please note: This information is raw content directly from the source of the information. It is exactly what the source states and does not reflect the position of MIL-OSI or its clients.

    Categories24-7, Central Bank of Russia, Mil-SOSI, Russian Banks, Russian Economy, Russian Finance, Russian Language, Russian economy, Russian banks

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    Item No. start date End date Name of the survey Description of the survey Survey instruments1 The structural division of the Bank of Russia responsible for conducting the survey, contact information for survey questions
    1 2 3 4 5 6 7
    1 July July Research into IT service providers. The survey is conducted to study the quality of financial institutions’ management of the risk of outsourcing information technology and cloud services as of 01.07.2025. Data submission deadline: no later than 21.07.2025

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Information Security Department: Igor Vyacheslavovich Ozhered – Head of Department, tel.: 8 (495) 771-99-99, (ext. 2-65-69), e-mail: Celebration@kbr.ru; Mikhailovskaya Anastasia Sergeevna – consultant, tel.: 8 (495) 771-99-99, (ext. 2-64-37), e-mail: Mas@kbr.ru
    2 July July Survey of financial market participants as part of the assessment of the “digital maturity” of the “Financial Services” industry. The survey is conducted to assess the “digital maturity” of the “Financial Services” industry of financial market participants for the first half of 2025. Data submission deadline: 28.07.2025

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of financial technologies: credit organizations: Chazhengin Daniil Aleksandrovich – leading expert, tel.: (495) 771-99-99, (ext. 7-67-57), e-mail: Chazhenginda@kbr.ru; Viktorov Evgeniy Vyacheslavovich – expert of the 1st category, tel: (495) 771-99-99, (ext. 7-66-01), e-mail: Viktorovev@kbr.ru; Insurance Market Department: insurance organizations: Shagramanov Sergey Mikhailovich – head of department, tel.: (495) 771-99-99, (ext. 7-43-97), e-mail: Shagramanovsm@kbr.ru; Department of Investment Financial Intermediaries: non-state pension funds, management companies and professional participants in the securities market: Kravchenko Ishira Akhmedovna – chief expert, tel.: (495) 771-99-99, (ext. 1-69-89), e-mail: Kravchenko@kbr.ru; Tsrnobrnya Olga Vyacheslavovna – chief expert, tel.: (495) 771-99-99, (ext. 1-69-84), e-mail: Tsrnobrnyov@kbr.ru
    3 July July A survey of the level of implementation and use of artificial intelligence (AI) technologies in the financial market. The survey is conducted to assess the level of implementation and use of artificial intelligence (AI) technologies in the financial market. Data submission deadline: 15.07.2025

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Strategic Development of the Financial Market: Sadovskaya Tatyana Evgenievna – consultant, tel. 8 (495) 771-99-99, (ext. 7-38-08), e-mail: Sadovskayate@kbr.ru; Department of Financial Technologies: Dmitry Vladislavovich Fedorov – Head of Department, tel. 8 (495) 771-99-99, (ext. 7-31-73), e-mail: Fedorovdv@kbr.ru
    4 July July A survey of trends in the segment of loans issued by microfinance organizations to small and medium-sized businesses. The survey is conducted with the aim of studying the development of the small and medium-sized business loan segment. Data provision period: 14 working days from the date the questionnaire is sent to the organization.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Non-bank Lending: Elizaveta Yuryevna Shtykova – leading expert, tel. 8 (495) 771-99-99, (ext. 2-16-36), e-mail: Shtykovayu@kbr.ru
    5 July August Survey of development trends in the pawnshop market The survey is conducted with the aim of studying the development of the pawnshop market in the first half of 2025. Data provision period: 14 working days from the date the questionnaire is sent to the organization.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Non-bank Lending: Elizaveta Yuryevna Shtykova – leading expert, tel. 8 (495) 771-99-99, (ext. 2-16-36), e-mail: Shtykovayu@kbr.ru
    6 July August Housing market survey. The survey is conducted in order to obtain a more accurate assessment of the difference in prices between the primary and secondary housing markets, taking into account the region of location and the year the house was built for the period from 01.01.2021 to 30.06.2025. Data submission deadline: 01.08.2025

    Survey form
    Survey participants

    The information is presented in CSV file format using the functionality of personal accounts.

    		 Department of Financial Stability: Margarita Olegovna Selezneva – Chief Economist, tel.: 8 (495) 771-99-99, (ext. 1-55-98), e-mail: Seleznevamo@kbr.ru
    7 July October A survey of microfinance organizations on the volume of consumer loans (credits) secured by a pledge of a motor vehicle and loans granted to individuals for purposes not related to their entrepreneurial activities, the borrowers’ obligations for which are secured by a mortgage. The survey is conducted with the aim of collecting information from microfinance organizations on the volume of consumer loans (credits) secured by a pledge of a motor vehicle and loans granted to individuals for purposes not related to their entrepreneurial activities, the borrowers’ obligations for which are secured by a mortgage, for the third quarter of 2025. Data submission deadline: no later than 14.10.2025

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Financial Stability: Irina Sergeevna Petukhova – leading economist, tel.: 8 (495) 771-99-99, (ext. 1-74-06), e-mail: Petukhova@kbr.ru; Khodjaeva Anastasia Petrovna – consultant, tel.: 8 (495) 771-99-99, (ext. 1-72-80), e-mail: Khojaevaap@kbr.ru
    8 July October Survey “Customer Complaints Information”. The survey is being conducted with the aim of analyzing complaints received directly by organizations supervised by the Bank of Russia for the second and third quarters of 2025. Data submission deadline: for the second quarter of 2025 – July 2025; for the third quarter of 2025 – October 2025.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts. A letter from the Bank of Russia containing additional information is sent to survey participants before the start of the next reporting period.

    		 Service for the Protection of Consumer Rights and Ensuring Accessibility of Financial Services: Vasily Evgenievich Zuev — head of the expert group, for technical support: e-mail: It_Appels@kbr.ru; for questions on methodological support: e-mail: method_appeals@cbr.ru
    9 July November Cost of cross-border transfers by individuals from the Russian Federation. The survey is conducted with the aim of achieving the sustainable development goals for the period up to 2030 (Sustainable Development Goals), adopted by UN Resolution No. 68/261 (indicator 10.c.1 of goal 10 “Reducing inequality within and among countries”) for the second and third quarters of 2025. Data submission deadline: for the second quarter of 2025 – no later than 15.08.2025; for the third quarter of 2025 – no later than 15.11.2025.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Statistics: Elena Vyacheslavovna Rozhkova – Chief Economist, tel.: (495) 771-99-99, (ext. 1-71-67), e-mail: Rozhkovaev@kbr.ru
    10 July November Survey of partner financing activities. The survey is conducted to study the activities of participants in the partnership financing experiment for the second and third quarters of 2025. Data provision period: 20 working days from the date the questionnaire is sent to the organization.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Non-bank Lending: Misnik Anastasia Romanovna – economic adviser, tel.: 8 (495) 771-99-99, (ext. 7-43-26), e-mail: Misnikar@kbr.ru
    11 July December Survey of the implementation by credit institutions of the requirements of the Federal Law of 30.12.2004 No. 214-FZ “On participation in shared construction of apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation.” The survey is conducted for the purpose of operational monitoring of the functioning of developer accounts and escrow accounts issued to developers of loans using escrow accounts. Data provision deadline: Section 1 information collection ceased on 01.08.2024. Sections 2, 3 monthly no later than the sixth working day of the month following the reporting month.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of banking regulation and analytics: Akimov Alexander Nikolaevich – head of department, tel.: 8 (495) 957-81-13, e-mail: Akimovan@kbr.ru; Puzin Aleksey Mikhailovich – consultant, tel.: 8 (495) 957-83-07, e-mail: Puzinami@kbr.ru; Karelina Inna Igorevna – leading economist, tel.: 8 (495) 771-99-99, (ext. 2-30-63), e-mail: Karelinai@kbr.ru
    12 July December Inspection of bank accounts of legal entities and individual entrepreneurs. The survey is conducted with the aim of analyzing current trends in the development of the deposit market, in particular, attracting funds to current accounts of legal entities and individual entrepreneurs, and the cost of attracting them. Deadline for providing data: monthly, no later than the 23rd day of the month following the month being surveyed.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Statistics: Krylova Darya Olegovna – Head of Department, tel.: 8 (495) 957-89-65, e-mail: Doroshdu@kbr.ru; Fomicheva Ekaterina Yurievna – chief economist, tel.: 8 (495) 315-76-81, e-mail: RIZ1@kbr.ru; Morozova Arina Olegovna – chief economist, tel.: 8 (495) 771-99-99, (ext. 1-58-77), e-mail: Morozovao@kbr.ru
    13 July December A survey of the expenses of financial institutions on software and services required for its use at significant critical information infrastructure facilities of the Russian Federation that they own. The survey is conducted with the aim of qualitatively assessing the expenses of financial institutions on software and services necessary for its use at their significant critical information infrastructure facilities of the Russian Federation for the second and third quarters of 2025. Deadline for submitting data: no later than the 20th day of the month following the reporting quarter.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Information Security Department: Bondarev Alexander Vladimirovich – Leading Engineer, tel.: 8 (495) 771-99-99, (ext. 2-68-90), e-mail: Bondarevav@kbr.ru
    14 July December Examination of concluded agreements for receiving credit (borrowed) funds without the voluntary consent of the client. The survey is conducted with the aim of collecting information on concluded agreements for receiving credit (borrowed) funds without the voluntary consent of the client for the second and third quarters of 2025. Deadline for submitting data: no later than the fifteenth working day of the month following the reporting quarter.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Information Security Department: Egor Romanovich Sokrut – Lead Engineer, tel.: 8 (495) 771-99-99, (ext. 2-29-05), e-mail: TRASTER@Kbr.ru
    15 July December Survey of loans granted to individuals in rubles using bank cards. The survey is conducted with the aim of analyzing interest rates on loans granted to individuals without collateral using an electronic means of payment (bank cards), taking into account the interest-free grace period. Deadline for providing data: monthly, no later than the 12th working day of the month following the month being surveyed.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Statistics: Krylova Darya Olegovna – Head of Department, tel.: 8 (495) 957-89-65, e-mail: Doroshdu@kbr.ru; Morozova Arina Olegovna – chief economist, tel.: 8 (495) 771-99-99, (ext. 1-58-77), e-mail: Morozovao@kbr.ru; Fomicheva Ekaterina Yurievna – chief economist, tel.: 8 (495) 315-76-81, (ext. 5-76-81), e-mail: RIZ1@kbr.ru
    16 July December Monitoring the leasing market and assessing its key risks. The survey is conducted to analyze the volume of the leasing market and its key risks for the second and third quarters of 2025. Data submission deadline: for Q2 2025 – September 2025; for Q3 2025 – December 2025.

    Survey form
    Survey participants

    Information is provided by e-mail in MS Excel file format.

    		 Department of Financial Stability: Vlada Valerievna Monastyreva – Leading Economist, tel.: 8 (495) 771-99-99, (ext. 1-55-71), e-mail: Monastyrevavv@kbr.ru
    17 July December Survey of deposits of individuals and the conditions for their attraction by credit institutions. The survey is conducted with the aim of analyzing bank offers for deposits, deposits of individuals, indicating the maximum range of additional parameters that influence the increase in the base rate (minimum guaranteed rate) for a banking product, and their subsequent comparison with the actual level of the cost of attracting deposits. Deadline for providing data: monthly, no later than the 23rd day of the month following the month being surveyed.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Statistics: Krylova Darya Olegovna – Head of Department, tel.: 8 (495) 957-89-65, e-mail: Doroshdu@kbr.ru; Fomicheva Ekaterina Yurievna – chief economist, tel.: 8 (495) 315-76-81, e-mail: RIZ1@kbr.ru; Morozova Arina Olegovna – Chief, tel.: 8 (495) 771-99-99, (ext. 1-58-77), e-mail: Morozovao@kbr.ru
    18 July December Information on the assignment of rights of claim (cession) and the issue of securities (securitization) secured by claims on consumer loans granted to resident individuals. The survey is conducted with the aim of analyzing the portfolio of consumer loans, the rights to claim which were assigned to legal entities (including credit institutions), including with subsequent securitization, for the correct assessment of the dynamics of the total consumer portfolio of credit institutions. Deadline for providing data: monthly, no later than the 16th working day of the month following the month being surveyed.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Statistics: Krylova Darya Olegovna – Head of Department, tel.: 8 (495) 957-89-65, e-mail: Doroshdu@kbr.ru; Morozova Arina Olegovna – chief economist, tel.: 8 (495) 771-99-99, (ext. 1-58-77), e-mail: Morozovao@kbr.ru; Fomicheva Ekaterina Yurievna – chief economist, tel.: 8 (495) 315-76-81, e-mail: RIZ1@kbr.ru
    19 July December Changes in the bank’s credit policy. The survey is conducted with the aim of qualitatively assessing changes in the parameters of banks’ credit policy, the reasons for these changes for an in-depth analysis of the transmission mechanism of monetary policy, and identifying factors influencing lending volumes for the second and third quarters of 2025. Data submission deadline: last working day of the reporting quarter. For the largest multi-branch banks, the questionnaire may be submitted at a later date. The questionnaire is published on the official website of the Bank of Russia at: http: //kbr.ru/stastiki/dkp/bank_landing_Terms/ in the section “Monetary policy”, “Statistics”, “Terms of bank lending”.

    Survey participants

    Information is provided by e-mail in MS Excel file format.

    		 Department of Monetary Policy: employee responsible for methodological support of the survey: Egorov Aleksey Vladimirovich – economic adviser, tel.: 8 (495) 957-88-91, e-mail: Egorovav@kbr.ru; Main Directorate of the Bank of Russia for the Central Federal District: employee responsible for conducting the survey: Veronika Eldarovna Islyamova – consultant, tel.: 8 (495) 950-20-72, e-mail: SVP1@kbr.ru
    20 July December Lessee risk assessment. The survey is conducted with the aim of quantitatively assessing the risks of lessees for the second and third quarters of 2025. Data submission deadline: for Q2 2025 – September 2025; for Q3 2025 – December 2025.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Financial Stability: Vlada Valerievna Monastyreva – Leading Economist, tel.: 8 (495) 771-99-99, (ext. 1-55-71), e-mail: Monastyrevavv@kbr.ru
    21 July December Monitoring of individuals’ loan debt. Monitoring underwriting standards and credit quality of portfolios of banks specializing in lending to individuals for the purpose of assessing systemic credit risks of the banking sector in the second and third quarters of 2025. Data submission deadline: for the second quarter of 2025 – 01.08.2025; for the third quarter of 2025 – 01.11.2025.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Financial Stability: Ivanova Elizaveta Dmitrievna – economist of the 2nd category, tel.: 8 (495) 771-99-99, (ext. 1-77-47), e-mail: Ivanovad@kbr.ru
    22 July December Survey of planned indicators of credit institutions. The survey is being conducted with the aim of improving the quality of operational forecasts and internal analytical models of the Bank of Russia. Data submission deadline: no later than 25 working days following the reporting quarter.

    Survey form
    Survey participants

    The information is presented in MS Excel and Word file formats using the functionality of personal accounts.

    		 Department of banking regulation and analytics: Popov Maxim Andreevich – head of department, tel.: 8 (800) 250-40-88, (ext. 2-15-66), e-mail: Poppyma01@kbr.ru; Shterts Ruslan Sergeevich – consultant, tel.: 8 (800) 250-40-88, (ext. 2-15-86), e-mail: Sertsrs@kbr.ru
    23 July December Survey on received subsidies to compensate for lost income on loans under government support programs. The survey is conducted in order to identify, as part of the credit institution’s income, subsidies received to compensate for lost income on preferential loans issued for purposes determined by state support programs (quarterly data for the period: Q1 2020 – Q4 2024; monthly data for the period: January – December 2025). Deadline for providing data: monthly, no later than the eighth working day of the month following the month being surveyed.

    Survey form
    Survey participants

    Information is provided by e-mail in the form of a scanned copy, MS Excel file format, or through the personal account of the information exchange participant.

    		 Department of Statistics: Kolesnikova Tatyana Alekseevna – Head of Department, tel.: (495) 987-71-35, e-mail: Kolesnikova@kbr.ru; Khizhnyak Anton Vitalievich – Head of Department, tel.: 8 (495) 771-42-71, e-mail: Hizhnyakav@kbr.ru
    24 August September Survey of individuals receiving/sending cross-border money transfers. The survey is conducted with the aim of analyzing information on received/sent cross-border money transfers of individuals. Deadline for providing data: no later than 40 calendar days after sending the questionnaire to the organization.

    Survey form
    Survey participants

    Information is provided by e-mail in the form of a scanned copy, MS Excel file format, or through the personal account of the information exchange participant.

    		 Department of Statistics: Elena Vyacheslavovna Rozhkova – Chief Economist, tel.: (495) 771-99-99, (ext. 1-71-67), e-mail: Rozhkovaev@kbr.ru
    25 September October A survey of the personnel needs of financial sector organizations for information security specialists. The survey is being conducted with the aim of studying the personnel needs of financial sector organizations for information security specialists. Deadline for providing data: no later than 30 calendar days from the date the questionnaire is sent to the organization.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Information Security Department: Elena Ivanovna Stavitskaya — consultant, tel.: 8 (495) 771-99-99, (ext. 2-69-43), e-mail: Stavitskaya@kbr.ru; Terekhov Sergey Vasilievich – chief engineer, tel.: 8 (495) 771-99-99, (ext. 2-28-76), e-mail: Terekhovsv@kbr.ru
    26 October October Survey of satisfaction of credit institutions with the quality of cash. The survey is conducted to assess the satisfaction of credit institutions with the quality of cash. Data submission deadline: 15.10.2025

    Survey form
    Survey participants

    The information is presented in Word file format using the functionality of personal accounts.

    		 Cash Circulation Department: Natalya Andreevna Mavrushina — Head of Department, tel.: 8 (495) 771-99-99, (ext. 1-86-70), e-mail: MNA7@kbr.ru; Dzhabrailov Adil Millat ogly – leading economist, tel: 8 (495) 771-99-99, (ext. 1-86-88), e-mail: Dzhabrailovam@kbr.ru
    27 October October Investigation of cash withdrawal transactions without the client’s voluntary consent using ATMs. The survey is conducted with the aim of studying operations on issuing cash by credit institutions without the voluntary consent of the client using ATMs (data for September 2025 will be presented in the third quarter of 2025). Deadline for submitting data: no later than the fifteenth working day of the month following the reporting quarter.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Information Security Department: Egor Romanovich Sokrut – Lead Engineer, tel.: 8 (495) 771-99-99, (ext. 2-29-05), e-mail: TRASTER@Kbr.ru
    28 October November A survey of development trends in the market of consumer credit cooperatives. The survey is conducted with the aim of studying the development of the consumer credit cooperative market for the first to third quarters of 2025. Data provision period: 14 working days from the date the questionnaire is sent to the organization.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Non-bank Lending: Elizaveta Yuryevna Shtykova – leading expert, tel. 8 (495) 771-99-99, (ext. 2-16-36), e-mail: Shtykovayu@kbr.ru
    29 October November A survey of development trends in the market of agricultural credit consumer cooperatives. The survey is conducted with the aim of studying the development of the agricultural credit consumer cooperative market for the first to third quarters of 2025. Data provision period: 14 working days from the date the questionnaire is sent to the organization.

    Survey form
    Survey participants

    The information is presented in MS Excel file format using the functionality of personal accounts.

    		 Department of Non-bank Lending: Elizaveta Yuryevna Shtykova – leading expert, tel. 8 (495) 771-99-99, (ext. 2-16-36), e-mail: Shtykovayu@kbr.ru

    MIL OSI Russia News –

  • MIL-OSI: Apollo Announces Olympus Housing Capital

    Source: GlobeNewswire (MIL-OSI)

    NEW YORK, June 30, 2025 (GLOBE NEWSWIRE) — Apollo (NYSE: APO) today announced the launch of Olympus Housing Capital (“Olympus” or the “Company”), a new homebuilder finance strategy. Olympus is an affiliate of Apollo and focuses on providing capital solutions to homebuilders across the United States to finance land acquisition and development work required to transform entitled residential land into finished lots ready for home construction. Olympus is led by CEO Andrew Brausa, an industry veteran with more than two decades of experience in residential housing.

    Olympus operates at the intersection of multiple secular tailwinds including the structural under-supply of single-family homes and homebuilder finance increasingly relying upon customized private financing solutions. Olympus’ originations are backed by capital from Apollo-managed funds and affiliated balance sheets, and the Company will target both public and private homebuilder customers who increasingly require scaled capital partners to support their growth ambitions and increase the supply of housing in the United States.

    Apollo Partners Peter Sinensky and Nancy de Liban said, “Olympus sits at the epicenter of multiple focus areas for Apollo and builds upon our expertise in residential real estate and asset-backed finance origination. This new strategy represents a highly scalable business that is poised to deliver flexible capital solutions to an underbuilt market with favorable long-term macroeconomic tailwinds, and we are pleased to partner with Andrew and leverage his extensive experience and strong track record in the sector.”

    Olympus CEO Andrew Brausa said, “I am excited to join forces with Apollo to launch Olympus amid robust and growing demand for reliable homebuilder capital solutions. With a flexible investment mandate and significant operating capabilities, we believe Olympus can provide value-add services that align with the interests of our clients and their community residents. I look forward to collaborating with Nancy, Peter and the Apollo team as we seek to scale the strategy and solve for a critical funding need helping facilitate new home ownership across the country.”

    Mr. Brausa has over 20 years of investment experience and most recently founded and managed Brookfield Asset Management’s land financing strategies. Previously, Brausa co-founded Domain Real Estate Partners to execute private land financings. He has also managed public market investment portfolios at DW Partners and held senior investment roles at several global asset managers.

    To learn more about Olympus, visit www.olympushc.com.

    About Apollo

    Apollo is a high-growth, global alternative asset manager. In our asset management business, we seek to provide our clients excess return at every point along the risk reward spectrum from investment grade credit to private equity. For more than three decades, our investing expertise across our fully integrated platform has served the financial return needs of our clients and provided businesses with innovative capital solutions for growth. Through Athene, our retirement services business, we specialize in helping clients achieve financial security by providing a suite of retirement savings products and acting as a solutions provider to institutions. Our patient, creative, and knowledgeable approach to investing aligns our clients, businesses we invest in, our employees, and the communities we impact, to expand opportunity and achieve positive outcomes. As of March 31, 2025, Apollo had approximately $785 billion of assets under management. To learn more, please visit www.apollo.com.

    Contacts

    Noah Gunn
    Global Head of Investor Relations
    Apollo Global Management, Inc.
    (212) 822-0540
    IR@apollo.com

    Joanna Rose
    Global Head of Corporate Communications
    Apollo Global Management, Inc.
    (212) 822-0491
    Communications@apollo.com

    The MIL Network –

  • Early months of FY26 indicate resilient economy, outlook remains positive: Centre

    Source: Government of India

    Source: Government of India (4)

    High-frequency indicators for the first two months of FY26 indicate resilient performance of the domestic economy amid the heightened geopolitical situation, Finance Ministry’s ‘Monthly Economic Review for May 2025’ said on Friday, adding that overall, the outlook for the Indian economy remains positive.

    The economy demonstrates resilience amid a turbulent global environment, supported by robust domestic demand, easing inflationary pressures, a resilient external sector, and a steady employment situation.

    “The positive trajectory appears to be continuing in FY26, with initial high-frequency indicators (HFI) indicating that economic activity has remained resilient. HFIs such as e-way bill generation, fuel consumption, and PMI indices point to continued resilience,” the Economic Review noted.

    Rural demand has strengthened further, supported by a healthy rabi harvest and a positive monsoon outlook. Urban consumption is being supported by increased leisure and business travel, as seen in the rise of air passenger traffic and hotel occupancy.

    “However, there are signs of softening in areas like construction inputs and vehicle sales. Retail and food price inflation registered a sustained and broad-based decline in May 2025, driven by robust agricultural production and effective government interventions,” the Economic Review emphasised.

    While domestic indicators have remained largely positive, financial markets experienced volatility as a result of external developments. The significant escalation of trade tensions in early 2025, followed by a partial de-escalation in the second quarter, contributed to considerable volatility in the financial markets.

    However, the Indian government bond market exhibited stability and certainty in May, driven by factors such as the announcement of a record surplus dividend by the RBI and a robust growth reading of Q4 FY25. Consequently, the risk premium on India’s government bonds decreased to 182 basis points as of May 30.

    On the external front, India’s total exports (merchandise and services) recorded a YoY growth rate of 2.8 per cent in May 2025, reflecting the resilience of our exports amid tariff uncertainties and subdued global economic conditions, said the Review.

    As of June 13, foreign exchange reserves remain strong, standing at $699 billion, which provides an import cover of 11.5 months. Additionally, the Indian rupee has experienced moderate volatility, in contrast to the more pronounced adjustments observed in other economies.

    The labour market indicators show signs of stability. White-collar hiring witnessed a rise in hiring with core sectors such as AI/ML professionals, Insurance, Real Estate, BPO/ITES, and Hospitality leading the hiring growth.

    “The employment sub-indices of the PMI indicate strong employment growth, with the employment sub-indices reaching a high. Formal job creation is also on the rise, as indicated by the growing net payroll additions under the Employee Provident Fund Organisation,” the Review noted.

    Steady economic performance in FY25 underscores the resilience of domestic growth drivers amid a challenging global environment. Robust private consumption and resilient services sector activity were key contributors to overall economic expansion.

    “The positive momentum has been extended into the early months of FY26, as reflected in the performance of high-frequency indicators such as e-way bill generation, fuel consumption and PMI indices among others,” according to the Economic Review.

    (IANS)

  • MIL-OSI Canada: June 28 Recognized as National Insurance Awareness Day

    Source: Government of Canada regional news

    Released on June 27, 2025

    June 28 is National Insurance Awareness Day and the Financial and Consumer Affairs Authority of Saskatchewan (FCAA) and the Insurance Councils of Saskatchewan (ICS) are encouraging Saskatchewan residents to think about their insurance needs and what types of coverage they may require. 

    “Insurance provides peace of mind to help cover costs from unexpected events like health issues, accidents, or weather-related disasters,” FCAA Insurance and Real Estate Division Executive Director Jan Seibel said. “National Insurance Awareness Day highlights the importance of reviewing your insurance policy to ensure that you have the right insurance coverage to meet your needs.”   

    “Whether you are insuring your home, vehicle, or business, understanding your coverage is key,” Insurance Councils of Saskatchewan Executive Director Denny Huyghebaert said. “As the regulator of insurance intermediaries in the province, ICS encourages all consumers to take time to assess their insurance needs and work with licensed professionals to get the protection that fits their life.”

    If you choose to purchase insurance, here are some helpful tips to keep in mind: 

    • Check Your Coverage: Not all policies are the same. Review your insurance policy to determine your coverage. Depending on your circumstances, you may need separate insurance coverage for your home and your belongings. Ask your licensed insurance provider if you’re unsure. 
    • Renewing your insurance: make sure you inform your insurance provider of any changes to your property, such as major renovations or purchases, that may impact the amount or kind of insurance you need.
    • Take Inventory: Keep a current record of your belongings (including pictures) and store them in a safe place. Knowing what you have helps if things get stolen or damaged.
    • Plan on Traveling? Ensure you are covered for being away from your home for extended periods of time.
    • Accidents Happen: That’s why it’s important to consider all possible scenarios when purchasing insurance, including injuries to visitors, contractors or delivery people.

    The FCAA protects consumer and public interests and supports economic wellbeing through responsive marketplace regulation. The Insurance and Real Estate Division (IRED) of the FCAA regulates licensed insurance companies in accordance with The Insurance Act to ensure fairness, trust and accountability in the insurance industry. More information about purchasing insurance can be found on the FCAA website at Financial and Consumer Affairs Authority of Saskatchewan.

    ICS is the regulatory body responsible for the oversight, licensing and regulation of insurance intermediaries in Saskatchewan. ICS operates under delegated authority from the Superintendent of Insurance at the FCAA. Its mandate includes regulating agents, brokers, independent adjusters, Managing General Agents (MGAs), Third Party Administrators (TPAs), and entities that sell insurance incidental to their primary business, known as Restricted Insurance Agents (RIAs). ICS also assists consumers in resolving disputes related to insurance transactions occurring in Saskatchewan. Visit the ISC website for more information: www.skcouncil.sk.ca.

    -30-

    For more information, contact:

    MIL OSI Canada News –

  • MIL-OSI Canada: June 28 Recognized as National Insurance Awareness Day

    Source: Government of Canada regional news

    Released on June 27, 2025

    June 28 is National Insurance Awareness Day and the Financial and Consumer Affairs Authority of Saskatchewan (FCAA) and the Insurance Councils of Saskatchewan (ICS) are encouraging Saskatchewan residents to think about their insurance needs and what types of coverage they may require. 

    “Insurance provides peace of mind to help cover costs from unexpected events like health issues, accidents, or weather-related disasters,” FCAA Insurance and Real Estate Division Executive Director Jan Seibel said. “National Insurance Awareness Day highlights the importance of reviewing your insurance policy to ensure that you have the right insurance coverage to meet your needs.”   

    “Whether you are insuring your home, vehicle, or business, understanding your coverage is key,” Insurance Councils of Saskatchewan Executive Director Denny Huyghebaert said. “As the regulator of insurance intermediaries in the province, ICS encourages all consumers to take time to assess their insurance needs and work with licensed professionals to get the protection that fits their life.”

    If you choose to purchase insurance, here are some helpful tips to keep in mind: 

    • Check Your Coverage: Not all policies are the same. Review your insurance policy to determine your coverage. Depending on your circumstances, you may need separate insurance coverage for your home and your belongings. Ask your licensed insurance provider if you’re unsure. 
    • Renewing your insurance: make sure you inform your insurance provider of any changes to your property, such as major renovations or purchases, that may impact the amount or kind of insurance you need.
    • Take Inventory: Keep a current record of your belongings (including pictures) and store them in a safe place. Knowing what you have helps if things get stolen or damaged.
    • Plan on Traveling? Ensure you are covered for being away from your home for extended periods of time.
    • Accidents Happen: That’s why it’s important to consider all possible scenarios when purchasing insurance, including injuries to visitors, contractors or delivery people.

    The FCAA protects consumer and public interests and supports economic wellbeing through responsive marketplace regulation. The Insurance and Real Estate Division (IRED) of the FCAA regulates licensed insurance companies in accordance with The Insurance Act to ensure fairness, trust and accountability in the insurance industry. More information about purchasing insurance can be found on the FCAA website at Financial and Consumer Affairs Authority of Saskatchewan.

    ICS is the regulatory body responsible for the oversight, licensing and regulation of insurance intermediaries in Saskatchewan. ICS operates under delegated authority from the Superintendent of Insurance at the FCAA. Its mandate includes regulating agents, brokers, independent adjusters, Managing General Agents (MGAs), Third Party Administrators (TPAs), and entities that sell insurance incidental to their primary business, known as Restricted Insurance Agents (RIAs). ICS also assists consumers in resolving disputes related to insurance transactions occurring in Saskatchewan. Visit the ISC website for more information: www.skcouncil.sk.ca.

    -30-

    For more information, contact:

    MIL OSI Canada News –

  • MIL-OSI Asia-Pac: Appointments to Harbourfront Commission announced

    Source: Hong Kong Government special administrative region

    Appointments to Harbourfront Commission announced 
    The newly appointed individual members are Mr Kyran Sze, as well as Miss Lam Ching-yi and Miss Law Lok-yi, who were recruited under the Member Self-recommendation Scheme for Youth (MSSY). The reappointed individual members are Mr Francis Lam Ka-fai, Professor Becky Loo Pui-ying and Mr Wilson Or Chong-shing.
     
    Welcoming the above appointments, the Secretary for Development, Ms Bernadette Linn, said, “I am confident that the newly appointed and reappointed members will provide inspiring insights for the future harbourfront development. These members include veterans with extensive experience and expertise, as well as youth who can bring in innovative thinking. The Government will continue to work closely with the HC to build an attractive, vibrant, accessible and sustainable harbourfront.”
     
    Ms Linn also expressed gratitude to the outgoing members, Mr Mac Chan Ho-ting and Ms Angela So Wing-kwan, for their contributions to promoting harbourfront development in the past six years.
     
    Established in 2010, the HC advises the Government on harbourfront planning, design, management and other related matters with the objective of fostering and facilitating the development of Victoria Harbour’s harbourfront.
     
    Following is the full membership of the HC commencing July 1, 2025, including incumbent members whose term of service straddles July 1:
     
    Chairperson
    ———————————————
    Mr Ivan Ho Man-yiu
     
    Vice-Chairperson
    ———————————————
    Secretary for Development
     
    Non-official Members (Organisation Members nominated by the following organisations)
    ———————————————
    Business Environment Council Limited
    Friends of the Earth (HK) Charity Limited
    Hong Kong Institute of Urban Design
    Society for Protection of the Harbour
    The Chartered Institute of Logistics and Transport in Hong Kong
    The Conservancy Association
    The Hong Kong Institute of Architects
    The Hong Kong Institute of Landscape Architects
    The Hong Kong Institute of Planners
    The Hong Kong Institute of Surveyors
    The Hong Kong Institution of Engineers
    The Real Estate Developers Association of Hong Kong
     
    Non-official Members (Individuals)
    ———————————————
    Miss Lam Ching-yi#
    Mr Francis Lam Ka-fai
    Ms Sunnie Lau Sing-yeung
    Miss Law Lok-yi#
    Mr Leung Chun
    Dr Lawrence Li Kwok-chang
    Professor Becky Loo Pui-ying
    Mr Wilson Or Chong-shing
    Mr Jason Shum Jiu-sang
    Mr Kyran Sze*
    Mr Bondy Wen Tsz-kit
    Mr Eric Yeung Chuen-sing
    Dr Frankie Yeung Wai-shing
    Mr Yiu Pak-leung
     
    * new member
    # new members recruited under the MSSY
     
    Official Members
    ———————-
    Permanent Secretary for Development (Planning and Lands) or representative
    Commissioner for Tourism or representative
    Commissioner for Transport or representative
    Director of Civil Engineering and Development or representative
    Director of Leisure and Cultural Services or representative
    Director of Marine or representative
    Director of Planning or representative
     
    Secretary
    ————
    Commissioner for Harbourfront
    Issued at HKT 11:05

    NNNN

    MIL OSI Asia Pacific News –

  • MIL-OSI USA: Increasing New York’s Housing Supply

    Source: US State of New York

    overnor Kathy Hochul today announced that nearly 3,000 affordable, modern, energy-efficient homes will be created or preserved in communities throughout New York State as a result of $1 billion in housing bonds and subsidies. The latest funding awards help advance the Governor’s commitment to increasing the housing supply and making the State more affordable. The 15 projects receiving funding are part of the Governor’s five-year, $25 billion comprehensive Housing Plan that will create or preserve 100,000 affordable homes across New York State.

    “Solving New York’s housing crunch and cutting costs for families hinges on increasing home availability statewide,” Governor Hochul said. “Through these investments, we’re helping produce more affordable, modern, supportive, sustainable housing. This is going to help push costs down, keep our state strong and provide housing opportunities to thousands of New Yorkers.”

    Financing is allocated through New York State Homes and Community Renewal’s recent bond issuances which provided $560 million in tax-exempt housing bonds and $466 million in subsidy. All awarded projects will achieve high levels of sustainability and carbon reduction. When coupled with additional private funding and resources, the projects receiving funding are expected to generate $1.5 billion in overall investment.

    New York State Homes and Community Renewal Commissioner RuthAnne Visnauskas said, “With more than $1 billion allocated to these 15 projects through housing bonds and subsidies, we’re helping deliver nearly 3,000 affordable, sustainable, and supportive homes that will serve New Yorkers for years to come. These developments are part of the Governor’s $25 billion Housing Plan, which has already created or preserved more than 60,000 affordable homes in communities across New York. From New York City to the North Country, we are tackling the housing crisis head-on and supporting Governor Hochul’s mission to expand housing options, improve affordability, and foster economic growth across the State.”

    New York State Senate Majority Leader Andrea Stewart-Cousins said, “I applaud this significant investment in affordable housing, including this critical project right here in Yonkers, as part of our ongoing commitment to ensuring safe, modern, and affordable homes across every region of New York State. The Senate Majority has been at the forefront of driving this historic effort, recognizing that access to quality housing is fundamental to thriving communities. We look forward to continuing our collaborative work with Governor Hochul and the Assembly to build on this progress and create even greater housing opportunities for all New Yorkers.”

    The awarded projects are:

    New York City

    • $23 million for Kittay House in the Bronx – Rehabilitation of a Mitchell-Lama development built in 1969 in the Fordham neighborhood. The 295-unit development for seniors includes a common kitchen, dining hall, recreation rooms, a doctor’s office, and is conveniently located near health care and services. Developed by Kittay Senior Housing.
    • $326 million for Vital Brooklyn Alafia Phase 2 in Brooklyn – Construction of two 14-story, mixed-use buildings with 634 units and over 12,000 square feet of commercial space as part of the redevelopment of the Brooklyn Development Center. Includes 47 units with supportive services for individuals struggling with homelessness. The development is a component of the State’s Vital Brooklyn initiative to address chronic social, economic, and health disparities in central Brooklyn. Developed by Apex Real Estate Development.
    • $40 million for Emerson Davis Apartments in Brooklyn – Demolition of an obsolete building and the new construction of a 12-story building with 103 affordable and supportive apartments in the Clinton Hill neighborhood of Brooklyn. The development will include supportive social service space for residents in the Emerson-Davis Family Residence program. Developed by Institute for Community Living.
    • $142 million for Edgemere Commons in Queens – Construction of an 18-story, mixed-use building with 244 units and nearly 4,000 square feet of commercial space at the former Peninsula Hospital site in Far Rockaway. Includes 73 units with supportive services for individuals and families experiencing homelessness, as well as 9,000 square feet of community facility space set aside for a daycare facility. Developed by Tishman Speyer.
    • $63 million for Westbeth Artist Housing in Manhattan – Rehabilitation of the historic Westbeth Artist Housing in the West Village with 385 residential units and 73 commercial units across eight buildings. The affordable live-work housing for artists, includes studios, a gallery, a theater, commercial spaces, and landscaped park and courtyard. Developed by Westbeth Corp. Housing Development Fund Company.
    • $9 million for Jericho House in Manhattan – Rehabilitation and expansion of a 48-unit affordable housing and supportive development, with eight units added for a total of 56. All apartments are set aside for formerly homeless individuals. The development is receiving funding from the Clean Energy Initiative. Developed by the Jericho Project.

    Capital Region

    • $72 million for Northgate Landing in Albany – Construction of two, four-story buildings in the Bishop’s Gate neighborhood with 185 apartments for families. The development will include community space and fitness center, and is close to health care, retail, and services. Developed by Conifer.

    Finger Lakes

    • $46 million for Gardner’s Lofts in Rochester – Adaptive reuse of a former historic mill consisting of six interconnected five-story buildings with 88 affordable and supportive apartments for formerly homeless veterans and families. The development will include office space for services provided by Soldier On. Developed by Winn Development.

    Mid-Hudson

    • $36 million for Rip Van Winkle Apartments in Poughkeepsie – Acquisition and rehabilitation of an 18-story building containing 179 affordable apartments. The development is receiving funding from the Clean Energy Initiative and will be fully electrified. Developed by Related Affordable.
    • $43 million for 345 McLean Avenue in Yonkers – New construction of a 12-story building containing 105 units for seniors aged 62 or older, including 31 units with supportive services for households experiencing homelessness or at risk of homelessness. Developed by Verus Development.
    • $107 million for 345 Q-West Towers in Mount Vernon – New construction of a 15-story building containing 115 units and a 12-story building containing 114 units. Both buildings will also include commercial space. Developed by Simone Development Companies.

    Mohawk Valley

    • $14 million for Historical Park Apartments in Utica – Acquisition and rehabilitation of an 11-story building originally built in 1973 that contains 121 affordable apartments set aside for seniors and people with disabilities, as well as one market-rate unit. Developed by SpringTide Housing.

    North Country

    • $15 million for Beekman Towers in Plattsburgh – Acquisition and rehabilitation of an 11-story building originally built in 1974 that contains 124 affordable apartments set aside for seniors and people with disabilities. Developed by SpringTide Housing.
    • $44 million for Pine Camp Apartments in Watertown – New construction of a four-story building containing 120 affordable apartments, including 80 with supportive services for veterans, seniors, and individuals experiencing homelessness. Developed by DePaul.

    Southern Tier

    • $46 million for Saratoga Heights in Binghamton – Acquisition and rehabilitation of 100 units in 11 existing townhouse-style residential buildings and one community building owned by the Binghamton Housing Authority. The development is receiving funding from the Clean Energy Initiative. Developed by 3D Development Group.

    Governor Hochul’s Housing Agenda
    Governor Hochul is dedicated to addressing New York’s housing crisis and making the State more affordable and more livable for all New Yorkers. As part of the FY25 Enacted Budget, the Governor secured a landmark agreement to increase New York’s housing supply through new tax incentives, capital funding, and new protections for renters and homeowners. Building on this commitment, the FY26 Enacted Budget includes more than $1.5 billion in new State funding for housing, a Housing Access Voucher pilot program, and new policies to improve affordability for tenants and homebuyers. These measures complement the Governor’s five-year, $25 billion Housing Plan, included in the FY23 Enacted Budget, to create or preserve 100,000 affordable homes statewide, including 10,000 with support services for vulnerable populations, plus the electrification of an additional 50,000 homes. More than 60,000 homes have been created or preserved to date.

    The FY25 and FY26 Enacted Budgets also strengthened the Governor’s Pro-Housing Community Program — which allows certified localities exclusive access to up to $750 million in discretionary State funding. Currently, more than 300 communities have received Pro Housing certification.

    MIL OSI USA News –

  • MIL-OSI Security: PDAAG Roger P. Alford Delivers Remarks to the International Association of Privacy Professionals

    Source: United States Attorneys General

    Good afternoon. I am pleased to be here today. It is an honor to represent the United States and work with the Assistant Attorney General Gail Slater and the amazing attorneys, economists, and staff and the Antitrust Division of the Department of Justice. I also want to thank the IAPP for inviting me to participate in this 2025 Digital Policy Leadership Retreat and Jonathan Zittrain and David Sanger for joining this discussion on such an important and timely topic.

    The world today has indeed become a digital world. Almost every company has some digital presence and almost every product sector is touched by digital platforms. Every day, platforms are connecting users and consumers in new and exciting ways. They are introducing novel commercial relationships with ever sophisticated algorithms. While we welcome these changes, we also recognize that these innovations introduce a range of competition issues. At the Department of Justice, we are watching these developments closely, scrutinizing the competitive implications of digital conduct.

    The topic for my speech today is where we go from here in applying antitrust law and policy in the digital world. I won’t bury the lede. We are heading towards a better future for the American people that maximizes their consumer welfare in digital markets through the vigorous enforcement of the antitrust laws. In fact, thanks to recent enforcement efforts, we are already beginning to see that world unfold.

    Many doubted that would ever be possible. When digital markets first emerged, enforcers had for decades been accustomed mostly to smokestack industries. Products rolled off assembly lines with similar features and prices year after year. These things could be measured and scrutinized quantitatively. We came to think that’s all antitrust enforcers should do.

    In contrast, digital markets offered zero price goods, with consumers trading their time and data for services. They were often defined by innovation and dynamism. Those looked like square pegs that didn’t fit the round holes of traditional antitrust analysis.

    We had become so used to smokestack industries that many assumed consumer welfare should always be measured in the prices and outputs of the goods that rolled off the assembly line. Privacy, attention, choice, and innovation were afterthoughts. And so some suggested that there could be no antitrust enforcement in many digital markets because traditional measures of consumer welfare were difficult to apply.

    Others accepted that premise, but pushed for a divorce between antitrust enforcement and the consumer welfare standard. They thought that to adequately protect competition in digital markets, antitrust needed to abandon its core focus on consumer welfare and have an essentially unlimited lens on its mission to include citizen welfare or a nebulous public interest standard.

    We now know that there is a third way. Consumers’ welfare is not merely about the price they pay. Consumers benefit when their privacy is better protected. They pay for digital services in time, attention, and data. Consumer welfare rises when companies innovate, and new technologies disrupt incumbent technologies.

    The answer was not to abandon antitrust in digital markets, or to abandon consumer welfare. The answer was to recognize the many dimensions of the competitive process that maximizes consumer welfare online.

    I’d like to spend my time today talking about how that principle has played out in recent cases and will continue to inform our work in digital markets in the years to come.

    First, our recent successes in protecting consumers from monopoly abuse in digital markets unequivocally demonstrate the continued vitality of the consumer welfare frame in protecting the American people online.

    As many of you are aware, the Department of Justice has been vigorously enforcing the antitrust laws against the exclusionary and unlawful conduct of Big Tech for some time now, going back to the first Trump Administration. The DOJ currently has two large, ongoing litigations against Google in particular.

    These are historic monopolization cases in which the DOJ earned landmark wins in federal district courts in Washington D.C. and Virginia, finding that Google is a serial monopolist — in general search, in search text advertising, and in multiple segments of the ad-tech stack. These rulings recognize that Google has abused its monopoly status by controlling how digital advertisements are placed on the free and open internet.

    The DOJ has proven that Google repeatedly broke the law against monopolization. In response, we have proposed remedies tailored to restore competition and address the competitive harms of Google’s monopoly abuses.[1] In the Google Search case, a decision is expected by the end of the summer, following a three-week remedy hearing this spring. In Google Ad Tech, a remedies hearing is scheduled for early fall. We are hopeful that the federal courts in both cases will issue strong rulings that adopt structural and behavioral remedies to restore competition. Historic monopolization cases call for historic remedies, and our digital freedoms deserve nothing less.

    The Google cases represent a bipartisan consensus in favor of vigorous antitrust enforcement. Beginning in the first Trump Administration, these cases reflect an historic commitment by both Republican and Democratic Administrations and almost every State Attorney General to protect consumers from monopoly abuse.

    Both of these cases were won with evidence presented within a consumer welfare frame, expanded to account for the unique properties of digital markets. We defined consumer welfare broadly to include not only price, but also quality, output, innovation and anything else that impacts consumers. And we recognized that consumer welfare impacts do not always need to involve the kind of quantitative evidence available in a price-focused case, but that qualitative non-price evidence can be equally valuable.

    Judge Mehta’s opinion in Google Search is a great example of the modern approach to addressing all of the determinants of consumer welfare. It mentions privacy 55 times. For example, when assessing the relevant market, it notes how Google compares its privacy to Duck Duck Go.[2] And its overall market definition approach appropriately takes account for the full range of qualitative evidence that bears on defining competition in search. Meanwhile, the Google Ad Tech opinion reminds its readers that the antitrust laws are a “consumer welfare prescription,” and then goes on to examine the many unique attributes of consumer welfare, beyond price and output, in the ad tech markets Google monopolized there.[3]

    While we assess the full range of determinants of consumer welfare, that does not mean our analysis is unlimited. The ultimate question for antitrust law remains economic competition in a relevant market. The law does not permit an untethered overall public interest analysis that asks courts to weigh effects across markets or to include non-competition values.

    For that reason, we consistently reject arguments that we should excuse harm to competition in order to protect a national champion firm on the theory that this will somehow benefit national security. We don’t accept the premise that shielding our businesses from competition somehow makes us stronger. That’s the Chinese and Russian way. The American way of winning the global economic competition is with strong competition in our domestic firms that makes our companies stronger to compete abroad. That premise has served us well for centuries, and we do not intend to abandon it now.

    Let me offer a word of thanks to those who prosecuted these cases. The incredible attorneys, economists, and staff at the Antitrust Division that prosecuted the Google Search case deserve particular mention. Following a ten-week liability trial in 2023 and then a three-week remedies trial in 2025, they outlawyered the other side by presenting strong legal theories in support of critical remedies designed to ensure that our digital spaces will be free and open. No matter what the federal court orders in the remedies phase, the leadership at the Division is incredibly proud of the hard work and dedication of the public servants who have litigated that case.

    As Assistant Attorney General Gail Slater has said, “The Google Search case matters because nothing less than the future of the internet is at stake here. Are we going to give Americans choices and allow innovation and competition to thrive online? Or will we maintain the status quo that favors Big Tech monopolies? If Google’s conduct is not remedied, it will control much of the internet for the next decade and not just in internet search, but in new technologies like artificial intelligence.”[4]

    As for the Google Ad Tech case, the extraordinary attorneys have won a landmark liability ruling and we anticipate that they will present a strong case for robust remedies in the digital ad tech space. As Attorney General Pam Bondi has said, the ruling in the Antitrust Division’s favor in April in that case was “a landmark victory in the ongoing fight to stop Google from monopolizing the digital public square.”  I could not agree more. We are fortunate to have such quality attorneys working to protect the American public.

    Let me now turn to some of our thinking about how we will protect consumer welfare in digital markets in the future. Digital technologies have significant implications for virtually all the monopoly conduct and cartels that the DOJ analyzes today. The DOJ has an obligation to husband our resources to enforce the laws where it matters most, to protect markets that most directly impact the average American, markets such as healthcare, housing, agriculture, education, and insurance. Let me focus on just a few of those digital markets.

    In healthcare, in particular, we have a mandate to use our resources to ensure American markets in health sectors are more competitive, innovative, affordable, and provide higher quality to patients and consumers. For years, we have witnessed consolidation across healthcare leading to higher prices and lower wages for healthcare workers. We see pharmacy benefit managers and brand name monopolies driving up prescription drug prices. Consolidation and roll-ups of physician practices and hospitals often increase health care costs, raising prices for services, and deteriorating patient outcomes. And algorithms and data increase complexity by playing an ever-larger role in health care markets and practices. We are even seeing algorithmic management technologies gaining a foothold in the health care labor sector, one of the largest labor sectors in the country.[5]

    Our recent Las Vegas nursing case is an example of the Department of Justice protecting Americans’ pocketbooks in the health sector. In that case, the Division successfully prosecuted a three-year conspiracy to fix the wages of nurses — capping their wages. As AAG Slater has stated: “Wage-fixing agreements are nakedly unlawful attempts at unjustly profiting off American workers…. The nurses here deserved better, and under President Trump’s leadership, they will be protected.”[6]

    The DOJ is committed to combatting monopoly abuse and collusion in the health care sector. This includes collusion that is accomplished by digital algorithms. Our recent statement of interest in the In re Multiplan Health Insurance Provider Litigation is an example.[7] In that case, competitors used a common pricing algorithm to share confidential information to set prices. Such algorithmic sharing of confidential information on digital platforms should be challenged as a violation of the antitrust laws.

    The DOJ is focused on algorithmic collusion in housing markets as well. The Division is litigating an ongoing case against RealPage and large landlords for algorithmic collusion affecting the rental prices for millions of Americans.[8] In this case, RealPage has introduced a digital platform that made it easier for landlords to coordinate to dramatically increase rental prices for the average American. RealPage and large landlords actively participated in the illegal pricing scheme, setting their rents by using each other’s competitively sensitive information via common pricing algorithms.[9]

    These cases are examples of a growing trend. If we do not take a strong stand now against algorithmic collusion, we will see this new form of price fixing destroying effective competition across a whole range of digital markets.

    And still there is more. Algorithmic collusion is only a subset of the issues that algorithms raise for antitrust enforcement. We can see on the horizon new concerns that will be extremely difficult for enforcers to address using traditional antitrust law. Academic work is already exploring how artificial intelligence can be instructed to profit maximize and learn to set prices in a manner consistent with collusion. We are on the verge of autonomous algorithmic collusion.

    Regardless of the digital sector, we at the DOJ will follow the facts and apply the law in connection with algorithmic pricing and potential collusion. These issues provide an opportunity for our enforcers to engage critically with the practical realities of how complex technologies are affecting Americans’ lives today and in the future. Artificial intelligence holds so much promise, but it also presents unique challenges. Will these technologies empower anticompetitive behavior targeted at unsuspecting digital citizens?  The DOJ must meet this moment and fulfill its mandate to protect competition for the American people.

    Let me conclude with a few thoughts about the Antitrust Division’s agenda with respect to mergers in the digital space.

    When President Trump announced that Gail Slater would lead the Antitrust Division, he reiterated that Big Tech has stifled Little Tech innovation and competition. We are pro Little Tech and welcome Little Tech innovation. We will bring the antitrust laws to bear on Big Tech to answer for their abuses, but we are open and receptive to procompetitive mergers, especially in Little Tech. We want innovative start-ups to see exit opportunities other than acquisitions by the largest, most dominant players, whose acquisition strategies are often driven as much by their desire to entrench their existing power as they are to drive innovation. The enforcers at the DOJ work tirelessly to promote a competitive landscape to ensure that new ideas get funding, so that startups can compete on the merits and disrupt incumbents.

    An embrace of Little Tech recognizes the benefits of venture capital and digital mergers. We want to see venture capital funds flowing to support innovative companies. In healthy, competitive markets, venture capital funds should flow freely.

    During AAG Slater’s tenure at the Division, we will challenge anticompetitive mergers. That is already evident in these early months. But the vast majority of mergers do not raise competition concerns, and those that do often can be resolved through negotiation, settlements, and consent decrees. We are committed to providing clear guidance to merging parties on their proposed transactions, welcoming most mergers and only challenging the problematic ones.

    In conclusion, let me state what an honor it is for me to return to the Antitrust Division and serve as Principal Deputy Assistant Attorney General to AAG Slater. As part of the Republican realignment, President Trump and Assistant Attorney General Slater have a clear vision for robust antitrust enforcement over the next four years. Our paramount focus will be to put consumer welfare first, accounting for the wide range of harms and benefits to consumers and workers that can arise in modern markets.

    Yes, competition brings lower prices. But it also brings better quality, improved privacy options, lower advertising loads, greater data portability, more choice, and increased innovations. Competition maximizes consumer welfare by driving businesses to deliver everything consumers want. That makes it the critical tool to protect consumers in our free market system, even in a changing world.

    Thank you. 

    [2] See United States v. Google LLC, 747 F. Supp. 3d 1, 54-55 (D.D.C. 2024).

    [3] See United States v. Google LLC, 23-cv-108, 2025 WL 1132012 (E.D. Va. Apr. 17, 2025) (“Google AdTech”).

    MIL Security OSI –

  • MIL-OSI Russia: Since the beginning of the year, Muscovites have received about 12 thousand applications for approval of apartment redevelopment

    Translation. Region: Russian Federal

    Source: Moscow Government – Government of Moscow –

    About 12 thousand online applications for approval of redevelopment were received from Muscovites in 2025. This was reported by the Deputy Mayor of Moscow for Housing and Public Utilities and Improvement Petr Biryukov.

    “Currently, the service for registration of redevelopment in an apartment can only be obtained electronically; the application must be submitted and the documents sent on the official website of the Mayor of Moscow, where information on registration, terms of service provision and the decision taken will be available. City residents are actively using this opportunity: since the beginning of the year, about 12 thousand applications have been received,” noted Pyotr Biryukov.

    Muscovites began to apply for approval of planned works 15 percent more often – almost 5.7 thousand such applications were received. About 2.5 thousand times Muscovites applied to draw up an act on the work performed within the framework of the received permit, and 2.3 thousand – to eliminate violations and legalize previously completed redevelopment.

    About 1.4 thousand city residents have applied for legalization of redevelopment in a simplified manner – based on a sketch. According to Pyotr Biryukov, Muscovites have begun to actively use the opportunity to coordinate minor changes without developing a project, for example, dismantling or installing built-in wardrobes, installing or moving non-load-bearing partitions, moving openings, including doorways. In this case, there is no need to draw up a redevelopment project or a technical report; it is enough to independently prepare a sketch of the work performed and submit the corresponding application.

    For the convenience of the capital’s residents, the process of providing the service is being improved. Thus, in April of this year, the terms for coordinating planned and previously completed work were reduced from 30 to 20 working days.

    Moscow Mayor simplifies procedure for coordinating redevelopment in apartment buildings

    Interaction between State Housing Inspectorate of the City of Moscow (Moszhilinspektsiya)and the Federal Service for State Registration, Cadastre and Cartography (Rosreestr). Thanks to this, all changes are immediately entered into the Unified State Register of Real Estate. In addition, the list of works that are approved without developing a project has been expanded.

    A new service has recently been launched on the mos.ru portal “Navigator for redevelopment and re-planning of premises in an apartment building”. It helps those who plan to change the configuration of walls, partitions, door and window openings in an apartment, move or replace utility lines. The service will also be useful for city residents who have already made a redevelopment. By completing a short survey, the navigator helps determine which government service related to redevelopment and redevelopment should be requested on the mos.ru portal.

    Redevelopment according to the rules: a service for those who want to transform their apartment has been launched on the mos.ru portal

    The creation, development and operation of the e-government infrastructure, including the provision of mass socially significant services, as well as other services in electronic form, correspond to the objectives of the national project “Data Economy and Digital Transformation of the State” and the regional project of the city of Moscow “Digital Public Administration”.

    Get the latest news quickly official telegram channel the city of Moscow.

    Please note: This information is raw content directly from the source of the information. It is exactly what the source states and does not reflect the position of MIL-OSI or its clients.

    Please Note; This Information is Raw Content Directly from the Information Source. It is access to What the Source Is Stating and Does Not Reflect

    https: //vv.mos.ru/nevs/ite/155864073/

    MIL OSI Russia News –

  • MIL-OSI Australia: Regional property markets continue momentum amid national growth

    Source: Premier of Victoria

    Author – Denton Pugh, NAB Executive for Home Lending. Originally published on News.com.au.

    We might be deep into the winter months, but there’s definite signs of warmth returning to Australia’s property market.

    Home values across the country have nudged higher again, rising 0.5% in May and lifting the national index 1.7% over the first five months of the year. And every capital city recorded growth. A sign that confidence in the market is continuing to grow.

    NAB Executive for Home Lending Denton Pugh

    We’re seeing this confidence play out in people like Emily Chalk, a 32-year-old first-home buyer who recently bought a home just outside of Rockhampton, in regional Queensland. She’d spent six months looking for a place to call home.

    A conversation with her banker helped her understand how the Government’s Home Guarantee Scheme could help get her into her first home sooner than she thought. Within weeks she’d bought a home in the town she grew up in.

    Stories like Emily’s are becoming increasingly more common.

    It’s not just upgraders or investors sitting on equity returning to the market. Many first-home buyers have been waiting for banks to reduce home lending rates so they can not only borrow more but also have that confidence to take the leap into homeownership.

    New NAB home lending data shows lending to first home buyers is up 16% since February, and up 32% to home buyers more broadly.

    While interest rates are still relatively high, recent rate cuts are helping. With these cuts combined with initiatives like the Home Guarantee Scheme, we’re starting to see more people take that first step into homeownership.

    Of course, we can’t ignore the bigger picture. While monthly growth is returning, the annual pace of property price increases has slowed. Not great news for investors but good news for those trying to break into the market.

    We’re also seeing strong momentum in regional markets; a trend that’s been building since the pandemic years and is not going away.

    In fact, Queensland regional hotspots dominated our list of the five hottest regional markets so far in 2025*. Toowoomba, Burnett, Springfield-Redbank, and the Sunshine Coast Hinterland all ranked high for home loan activity. Geelong in Victoria was the only non-Queensland regional hotspot to break into the top five.

    1. Toowoomba – QLD
    2. Burnett – QLD
    3. Springfield – Redbank – QLD
    4. Geelong – VIC
    5. Sunshine Coast Hinterland – QLD
    6. Mandurah – WA
    7. Loganlea – QLD
    8. Ballarat – VIC
    9. Maryborough – QLD
    10. Mackay – QLD

    It may be the weather, or the lifestyle, but regional markets offer more than just charm and appealing work life balance. They offer affordability and the potential for long-term growth. For buyers like Emily, the appeal of staying close to family, and finding space for a young family was strong.

    “I already know most of my neighbours, I definitely didn’t have that when I was living in Brisbane,” first-home buyer, Emily Chalk.

    This continued momentum is promising, but it also highlights one of the biggest challenges still facing the market – we need more homes.

    Lower rates are helping on the demand side, but affordability and supply remain big hurdles. Addressing those issues will take time, commitment, and smart policy. Particularly when it comes to getting new housing built in the places people want to live.

    The winter months are usually quieter for the housing market, however, with most economists expecting further interest rate cuts this year, winter activity is expected to be a little higher than usual, continuing to build for the busier spring period.

    More information:

    • *NAB proprietary home lending data between January – April 2025 vs the year prior.

    MIL OSI News –