From: Jerry Gosse [mailto:jgosse@efsbank.com]
Sent: Monday, April 05, 2004 5:57 PM
To: 'regs.comments@federalreserve.gov'; Comments; 'regs.comments@occ.treas.gov';
'regs.comments@ots.treas.gov'
Subject: EGRPRA
Regulation Z began as an attempt to provide customers with an easy
way to
compare loan rates and terms with other lenders. However, this long
and
complex regulation should be thoroughly reviewed and a determination
should
be made to see if it cannot be constructed into something more
understandable for the consumers as well as easier and less costly
for banks
to comply. The question needs to be asked, "is this the regulation
that
Congress intended it to be"?