If you haven't already sent in your comment letters for the twin HMDA/HOEPA proposals, (or even if you have) here is something to add to the fuel of your arguments.

As reported in the March 5th issue of the Bank Oxygen newsletter, banks across the country are getting out of the residential mortgage business.

Gee..., I wonder why?

See the link below to read the newsletter.
http://www.bankoxygen.com/element/Essential_Element0305.pdf