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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. 11, No. 15
December 29, 2006

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
Table of Contents (read Recent Issues)

A Better Regulation Z: Is It Possible? (4 Action Steps)
Changes to Regulation Z require thinking outside the box, or even without the box.

Can RESPA Be Fixed? (3 Action Steps)
RESPA has several problems that make difficult both compliance and enforcement.

Action Training: Discussion Only Model Mortgage Disclosure
(Disclosure Form)
The Editor's proposed disclosure model is designed to present the information that borrowers ask about most and clarifies their significance.

Compliance Notes Compliance Calendar

In the Editor's Opinion: Causing Social Change
The first element to causing social change is the need to change the consumer's behavior when shopping for credit.

Compliance Q&A
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