How are you handling consumer "renewals" in GA for loans secured by real estate and home? Same interest rate or lower, typically same term. Are you using a Note Modification or a document such as Laser Pro's Change in Terms Agreement? Or are you generating a new note, retaining the old note - not marking it paid in any way? Are you just considering them refinances and giving GFE, Preliminary TIL, etc.? Will your procedures change come August 1st?? Thanks for any input!