Subprime crisis spurs raft of legislation


The Mortgage Reform and Anti- predatory Lending Act began to address industry malpractices, while President George Bush and treasury secretary Henry Paulson's plan to freeze interest rates for homeowners most at risk of default has tried to remedy the results of questionable lending practices to low-income homeowners.

More recently, the Federal Reserve Board of Governors has proposed changes to Regulation Z (Truth in Lending) to protect consumers from unfair or deceptive home mortgage lending and

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