From: Frank Vecera [mailto:frankv@csbsealy.com]
Sent: Monday, April 19, 2004 6:37 PM
To: regs.comments@federalreserve.gov; Comments; regs.comments@occ.treas.gov;
regs.comments@ots.treas.gov
Subject: EGRPRA
Four of the most
burdensome regs are ECOA, RESPA, HMDA and TIL - They are bad enough
as they are. They don't need to be changed or enhanced. The regs
are "feel good" items for regulators, buerocrats and
polititions but are of little benefit to the consumer. The consumer
wants his/ her loan and get on with life. We don't need any more "gotcha" regs.
Frank Vecera- Sr. V. Pres. Citizens State Bank, Sealy, TX
