TAILIEUCHUNG - Predatory Mortgage Lending Practices - Abusive Uses Of Yield Spread Premiums

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 . 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 . GOVERNMENT PRINTING OFFICE 84-933 PDF WASHINGTON 2003 For sale by the Superintendent of Documents . Government Printing Office Internet 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

• Tiếng Anh thương mại
• yield
• spread
• premiums
• uses
• abusive
• mortgage
• lending
• practices
• predatory
• Yield and yield attribute
• Integrated nutrient management
• Yield and yield attributes
• Pearl millet
• Integrated nutrient management practices
• Linseed (Linum usitatissimum L )
• Harvest index
• Yield and yield components
• Germplasm Estimate heterosis
• Yield and yield attributing characters
• Tomato (Solanum lycopersicum L
• Heterosis studies
• Yield attributing characters of tomato
• Yield and yield attributes of Mungbean
• Castor equivalent yield
• Castor along with mungbean
• Sulphur levels on yield
• Yield attributes in intercropping system
• Path analysis
• Yield attributing traits
• Yield components in maize
• Association studies for yield
• Cluster bean
• Seed yield
• Seed yield parameters
• Vegetable pod yield
• Yield and its component traits
• Organic manures
• Yield attributes and yield
• Yield of okra var Chameli
• Bio fertilizers on yield attributes
• Yield attributes
• Intercropping systems on yield attributesm
• Rainfed conditions
• Yield of pearlmillet
• Intercropping systems on yield attributes
• Path coefficient analysis
• Yield characters
• Yield attributing characters
• Chilli (Capsicum annum L
• Genotype and phenotype
• Genetic parameters for yield
• Yield components in F1
• F1 hybrids
• Parents of bell pepper
• Yield and economics
• Zinc on yield attributes
• Economics of rice
• Sulphur on yield attributes
• Cluster bean [Cyamopsis tetragonoloba (L ) Taub ]
• Vegetable yield and seed yield traits
• Association analysis
• Path analysis of yield
• Yield components in the RIL population
• Yield components
• Heterosis study for yield
• Yield components in pea
• Poor hybrids
• Over locations and yield
• Estimation of heterosis for yield
• Yield components in Brinjal
• Quantitative characters in brinjal
• Yield and Zinc
• Zinc on growth
• Yield of greengram
• Bio fertilizers
• Bio fertilizers on yield
• Micronutrients on yield
• Yield attributing characters of broccoli
• Yield attributing parameters
• GA3 on yield
• Yield attributing parameters of strawberry
• NAA on yield
• Treatments considering of control
• Grain yield
• Straw yield
• Pearlmillet equivalent yield
• Economics of summer pearlmillet
• Yield traits
• NAA and pusa uday
• Yield and yield traits
• Yield traits of cucumber
• Cucumber (Cucumis sativus L
• Foliar application
• Plant growth regulators
• Wheat (Triticum aestivum L)
• Days to heading
• Thousand grain yield
• Bread wheat (Triticum aestivum L ) genotypes
• Yield attributing traits in bread wheat
• Character associations for yield
• Gene action
• Generation mean analysis
• Yield components in cowpea
• Generation mean analysis for yield
• Yield attributes in sunflower
• Sunflower hybrids
• Regression analysis
• Optimizing yield
• Relationships between yield
• Path analyses
• Spring rapeseed cultivars
• Yield response factor
• Relative yield decrease
• Fertilizer uptake
• Water yield
• Soil fertility