(Fwd) Federal Reserve Sign on letters Deadline FRIDAY

Sorry for spamming and redundancies, but forwarding to lists an
Email from Marttin Eakes on signon letter to Fed. If you want to
signon, please respond ASAP as per attached email.
------- Forwarded message follows -------
From: "Martin Eakes" <martin@self-help.org>
To: "Signatures for Federal Reserve Letters"@self-help.org
Date sent: Wed, 7 Mar 2001 11:51:14 -0500
Subject: Federal Reserve Sign on letters
Send reply to: CRL@self-help.org
Copies to: "Coalition for Responsible Lending Supporter"@self-help.org
Priority: normal

Hi everybody,

This Friday is the deadline for commenting on the Federal Reserve's
proposal to address predatory lending practices through its HOEPA
rulemaking authority. I am asking you to sign on to one or both of
two, very short letters that the Coalition for Responsible Lending is
sending to the Fed on this issue.


First, I have included a letter regarding credit insurance. Many of
you signed on to a letter with us in December that I think had a
significant impact in getting the Fed to include single-premium
credit insurance in defining what a high cost loan is. We have
reissued the letter almost exactly as it was written last time urging
the Fed not to back down on making this important change.


Second, I have included a letter on prepayment penalties.
Prepayment penalties on the new loan, which are hidden, deferred
fees that over half of borrowers pay, should also be included in
points and fees since equity taken through a penalty on the back
end is no different from equity taken on the front. Whether one
thinks that prepayment penalties are inherently abusive or not,
counting them in points and fees will eliminate a way that many
lenders use to evade HOEPA protections.


Please reply to David Beck, davidb@self-help.org, if you are willing
to sign on to either or both of these letters. If you can sign on to
one now and need more time to consider the other, let us know
that.
Feel free to sign on individually, with your organization included for
identification purposes only, or sign on organizationally; just let
David know which.


Also, please forward this email to anyone else you think might be
interested and have them email David with their name, organization
and
email address. I apologize for the late notice on this, but the
DEADLINE TO GET THE LETTERS TO THE FED IS FRIDAY
AFTERNOON.


Thank you very much for all that you do to protect the home equity
wealth of families across the country.


martin eakes



<nofill>

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File: HOEPA CI sign-on letter - new.doc
Date: 7 Mar 2001, 10:17
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---- File information -----------
File: HOEPA PP sign-on letter.doc
Date: 7 Mar 2001, 11:14
Size: 24064 bytes.
Type: Unknown

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