GARY G. MILLER: “I would be concerned that the proposed rules do not take into account the different business models and risk profiles of…”

But you have lenders right now who are really keeping capital out of the marketplace because they don't know what is going to happen.

Under the proposed rule, the bank-centric standards will be detrimental to insurance companies.

I have some real concerns with that. I have had a concern with the definition between subprime and predatory for years, and I am glad to see we are going to finally deal with it.

While a hybrid public-private model for Freddie and Fannie was fundamentally flawed, our focus should be a viable secondary mortgage market with sound underwriting principles.