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Witnesses: Bea Hiers, Ft. Wash., MD; Rita Herrod, Clarksburg, W. VA; Susan Johnson, Cottage Grove, MN; Howell Jackson, Harvard Univ. School of Law; John Courson, Mortgage Bankers Assoc. & Central Pacific Mortgage Co.; Joseph Falk, Nat. Assoc. of Mortgage Brokers; Ira Rheingold, Nat. Assoc. of Consumer Advocates; David Olson, Wholesale Access Mortgage Res. & Consult., Inc.; & David Donaldson, Donaldson & Guin, LLC. Additional material: Statement of ABN AMRO Mortgage Group, Inc.; Mortgage Broker Fee Agree. submitted by John Courson; Letter submitted by the Nat. Assoc. of Mortgage. | AUTHENTICATED U.S. GOVERNMENT INFORMATION GPỌ PREDATORY MORTGAGE LENDING PRACTICES ABUSIVE USES OF YIELD SPREAD PREMIUMS HEARING BEFORE THE COMMITTEE ON BANKING HOUSING AND URBAN AFFAIRS UNITED STATES SENATE ONE HUNDRED SEVENTH CONGRESS SECOND SESSION ON THE ISSUES SURROUNDING THE USES AND MISUSES OF YIELD SPREAD PREMIUMS IN LIGHT OF THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT S ANNOUNCED INTENTION OF PUTTING OUT A PROPOSED RULE ON THE REAL ESTATE SETTLEMENT PROCEDURES ACT JANUARY 8 2002 Printed for the use of the Committee on Banking Housing and Urban Affairs U.S. GOVERNMENT PRINTING OFFICE 84-933 PDF WASHINGTON 2003 For sale by the Superintendent of Documents U.S. Government Printing Office Internet bookstore.gpo.gov Phone toll free 866 512-1800 DC area 202 512-1800 Fax 202 512-2250 Mail Stop SSOP Washington DC 20402-0001 COMMITTEE ON BANKING HOUSING AND URBAN AFFAIRS PAUL S. SARBANES Maryland Chairman CHRISTOPHER J. DODD Connecticut TIM JOHNSON South Dakota JACK REED Rhode Island CHARLES E. SCHUMER New York EVAN BAYH Indiana ZELL MILLER Georgia THOMAS R. CARPER Delaware DEBBIE STABENOW Michigan JON S. CORZINE New Jersey DANIEL K. AKAKA Hawaii PHIL GRAMM Texas RICHARD C. SHELBY Alabama ROBERT F. BENNETT Utah WAYNE ALLARD Colorado MICHAEL B. ENZI Wyoming CHUCK HAGEL Nebraska RICK SANTORUM Pennsylvania JIM BUNNING Kentucky MIKE CRAPO Idaho JOHN ENSIGN Nevada Steven B. Harris Staff Director and Chief Counsel Wayne a. Abernathy Republican Staff Director Jonathan Miller Professional Staff Patience Singleton Counsel Daris Meeks Republican Counsel Geoff Gray Republican Senior Professional Staff Joseph R. Kolinski Chief Clerk and Computer Systems Administrator George E. Whittle Editor II CONTENTS TUESDAY JANUARY 8 2002 Page Opening statement of Chairman Sarbanes . 1 Prepared statement . 40 WITNESSES Beatrice Hiers of Fort Washington Maryland . 4 Rita Herrod of Clarksburg West Virginia . 6 Susan M. Johnson of Cottage Grove Minnesota . 7 Prepared statement . 41 Howell
