Brad Miller: “I am staying up tonight, as I stayed up last week, because I think it is important that we adopt a child tax credit. I…”

title III hardly turns all subprime loans into HOEPA loans. HOEPA loans are very high-cost loans, loans with a very high interest rate. For first loans, it is 8 percent above the Treasury rate, which works out to about 13 percent. Or for…

We want people to get into loans that they can pay off. They can pay month after month, and at some point have a ceremony, a little party, that people in another generation had of burning the mortgage because it is paid off. So for the…

I do want to applaud the work of the Science and Technology Committee on reauthorizing this program that has been remarkably effective. Fire is remarkably destructive, but we have made great strides under this program. In 1973, there were…

I want to add my assurance to that of Mr. Frank, as if anyone would need that, but I think that this clarification really does not change the intent of the statute. On its face, going from foreclosure to foreclosure process is redundant…