"Most important to note about James Holmes, however, this report says, is that his father, Robert Holmes, was said to have been scheduled to testify within the next few weeks before a US Senate panel on the largest bank fraud scandal in world history that is currently unfolding and threatens to destabilize and destroy the Western banking system. Robert Holmes, whose "blueblood" family links go back to the Mayflower, is known throughout the global banking community as being the creator of one of the most sophisticated computer algorithms ever developed and is credited with developing predictive models for financial services; credit and fraud risk models, first and third party application fraud models and internet/online banking fraud models.  

Educated at the University of California, Berkeley and Stanford University, Robert Holmes is currently the senior lead scientist with the American credit score company FICO, which was formally known as Fair, Isaac and Company, and which every American citizen is beholden to should they need to borrow money."

http://mortgagemovies.blogspot.com/2012/07/kingcast-and-mortgage-movies-remain.html?m=1