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Editor: Lucy H. Griffin

Board of Advisors:
John S. Byrne, Esq.
Robert P. Chamness
Cliff E. Cook
Phillips G. Gay, Jr.
Barbara Hurst
Richard Insley
Michael D. Maher
Robert G. Rowe, III
Andy Zavoina

Vol. 13, No. 7
June 9, 2008

Executive Editor:  Lucy H. Griffin, Esq.
Board of Advisors:
John S. Byrne, Esq.
David Battle
Robert P. Chamness
Phillips G. Gay, Jr. 		Barbara Hurst
Richard Insley
Michael D. Maher
Robert G. Rowe, III, Esq.
Andy Zavoina
Current Issue: Table of Contents (read Recent Issues)

FACT Act: The Long-Awaited Risk-Based Pricing Notices (4 Action Steps)
The agencies have toiled to produce the FACT Act's risk-based pricing notice proposal and to make it workable.

Illustrations for Hybrid ARM Products (4 Action Steps)
Model disclosures for hybrid ARMs are available to explain confusing aspects of ARM products to consumers and to illustrate and compare mortgage terms.

Action Training: Proposed Risk & Credit Score Notices (Chart)
The agencies' attempt to combine notice information in a single notice is laudable but may present a challenge to manage in a compliance program.

Compliance Notes Compliance Calendar

In the Editor's Opinion: Cost of Customer Service - to the Customer
The automation of business services can save your staff time but at what cost to your customers?

Compliance Q&A





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