| 01. Mortgage Bankers Association, John Courson - PDF |
| 02. Community Associations Institute, Alexandria, VA, Thomas Skiba - PDF |
| 03. Michael Calhoun, Barry Zigas, & others - PDF |
| 04. Diverse group of national civil rights, labor and consumer organizations - PDF |
| 05. Chris Barnard - PDF |
| 06. Nebraska Mortgage Association, Sherri O'Callaghan - PDF |
| 07. U. S. House of Representatives - Committee on Financial Services - PDF |
| 08. Sidley Austin, LLP, San Francisco, CA - PDF |
| 09. Securities Industry & Financial Markets Association, NY, NY, Richard Dorfman - PDF |
| 10. U. S. Congress, Tom Price (6th District - Georgia) - PDF |
| 11. City of Cleveland (Ohio), Rose Zitiello - PDF |
| 12. Green Path, Inc, Farmington Hills, MI, Rich Bialobrzeski - PDF |
| 13. Delta Association of Realtors, Antioch, CA - PDF |
| 14. Heritage Foundation, Washington, DC, David Addington - PDF |
15. U. S. Congress, Peter Visclosky (1st District - Indiana) - PDF
U. S. Congress, Peter Visclosky (1st District - Indiana) - PDF
U. S. Congress, Peter Visclosky (1st District - Indiana) - PDF |
| 16. U. S. Congress, Steve Stivers (15th District - Ohio) - PDF |
| 17. Amherst Securities Group, New York, NY, Laurie Goodman - PDF |
| 18. American Automotive Leasing Association, Dan Frank - PDF |
| 19. Tom Fultz - PDF |
| 20. National Association of Independent Land Title Agents, Charles Proctor, III |
| 21. California Mortgage Bankers Association (11 letters) - PDF |
| 22. National Association of Affordable Housing Lenders, Judith Kennedy - PDF |
| 23. Andrew Davidson & Co., New York, NY - PDF |
| 24. Japanese Bankers Association, Tokyo, Japan - PDF |
| 25. Reading Co-operative Bank, Reading, MA, Julieann Thurlow - PDF |
| 26. Equipment Leasing & Finance Association, Washington, DC, William Sutton - PDF |
| 27. Primary Capital Mortgage, Atlanta, GA, Mike Hart - PDF |
| 28. Paul Bologna - PDF |
| 29. Colorado Mortgage Lenders Association, Denver, CO, T. K. Jones - PDF |
| 30. Director of Management & Budget, City of New York (NY), Mark Page - PDF |
| 31. Marshall & Swift, New Berlin, WI, Scott Andrew - PDF |
| 32. Joyce Dillard, Los Angeles, CA - PDF |
| 33. Pennsylvania Housing Finance Agency, Harrisburg, PA, Kate Newton & Rebecca Peace - PDF |
| 34. Citigroup Global Markets, Jeffrey Perlowitz & Myongsu Kong - PDF |
| 35. Prudential Investment Management, Newark, NJ, James Sullivan - PDF |
| 36. American Express Company, Harold Schwartz - PDF |
| 37. Magi Companies, Mary Glass-Schannault & Gretchen Verdugo - PDF |
| 38. American Society of Appraisers - PDF |
| 39. U. S. Senate, John Cornyn (Texas) - PDF |
| 40. U. S. Senate, Barbara Mikulski (Maryland) - PDF |
| 41. U. S. Senate, John Kerry (Massachusetts) - PDF |
| 42. U. S. Senate, Kelly Ayotte (New Hampshire) - PDF |
| 43. Georgia Bankers Association, Joe Bannen - PDF |
44. Virginia Housing Development Authority, Susan Dewey - PDF
Second Comment - PDF |
| 45. White & Case, New York, NY - PDF |
| 46. Comment from 158 members of the U. S. House of Representatives - PDF |
| 47. National Rural Utilities Cooperative Finance Corporation, Herndon, VA - PDF |
| 48. St. Louis Equal Housing & Community Reinvestment Alliance, St. Louis, MO - PDF |
| 49. MetLife, Morristown, NJ, Jonathan Rosenthal - PDF & First Supplement Comment - PDF |
| 50. U. S. Senate, Committee on Homeland Security & Government Affairs - PDF |
| 51. Baker Botts, Houston, TX, Timothy Taylor - PDF |
| 52. U. S. Bank Home Mortgage, David McClure - PDF |
| 53. U. S. Congress, Marcy Kaptur (9th District - Ohio) - PDF |
| 54. U. S. Senate, Marco Rubio (Florida) - PDF |
| 55. Brazos Higher Education Authority, Waco, TX. Murry Watson, Jr. - PDF & First Supplement Comment - PDF |
| 56. U. S. Senate, Lisa Murkowski (Alaska) - PDF |
| 57. U. S. Congress, Corrine Brown (3rd District - Florida) - PDF |
| 58. U. S. Congress, Jeff Miller (1st District - Florida) - PDF |
| 59. U. S. Congress, Martin Heinrich (1st District - New Mexico) - PDF |
| 60. U. S. Senate, Bob Corker (Tennessee) - PDF |
| 61. U. S. Congress, Andy Harris (1st District - Maryland) - PDF |
| 62. U. S. Congress, Spencer Bachus & Scott Garrett - PDF |
| 63. U. S. Senate, Richard Lugar (Indiana) - PDF |
| 64. Securities Industry & Financial Markets Association, Richard Dorfman - PDF |
| 65. Securities Industry & Financial Markets Association, Timothy Cameron - PDF |
| 66. American Securitization Forum - PDF & First Supplement Comment - PDF, Second Supplement Comment - PDF, Third Supplement Comment - PDF, Fourth Supplement Comment - PDF |
| 67. Kelly Seiler - PDF |
| 68. Coalition for Sensible Housing Policy - PDF |
| 69. Woodstock Institute, Chicago, IL, Tom Feltner - PDF |
| 70. Mortgage Bankers Association, Washington, DC, Michael Berman - PDF |
| 71. PrimeLending, Todd Salmans - PDF |
| 72. Keller Williams Realty Memorial, Justin Howeth - PDF |
| 73. Patrick Bates - PDF |
| 74. Ed Horan Realty, Edwin Horan - PDF |
| 75. Douglas Johnson, Cumming, GA - PDF |
| 76. Stacy Tiller, Flowery Branch, GA - PDF |
| 77. Anonymous - PDF |
| 78. Barbara Mortensen - PDF |
| 79. Janis Stevens, Peoria, AZ - PDF |
| 80. David Levine - PDF |
| 81. The Wakefield Company, LLC, Mequon, WI, K. Terrence Wakefield - PDF |
| 82. Pittsburgh Community Reinvestment Group, Pittsburgh, PA, Ernest Hogan - PDF |
| 83. Nonprofit Student Loan Lenders (NSLLs) - PDF |
84. Bank of America, Charlotte, NC - PDF
Supplement Comment - PDF |
| 85. U. S. Congress, Tim Huelskamp (1st District - Kansas) - PDF |
| 86. JPMorgan Chase & Co., New York, NY, Barry Zubrow - PDF |
| 87. U. S. Congress, Hank Johnson (4th District - Georgia) - PDF |
| 88. Shellpoint Partners, New York, NY, Saul Sanders - PDF |
| 89. Straight-A Funding/BMO Capital Markets Corp, Chicago, IL - PDF |
| 90. Community Mortgage Banking Project, Alexandria, VA, Glen Corso - PDF |
| 91. Association of Financial Markets in Europe, London, UK, Richard Hopkin - PDF |
| 92. Commercial Real Estate Finance Council, New York, NY, Stephen Renna - PDF |
| 93. North Carolina Bankers Association, Raleigh, NC, Meghan Best - PDF |
| 94. Warren Bank and Trust Company, Warren, AR (9 letters) - PDF |
| 95. Education Finance Council, Washington, DC, Vince Sampson - PDF |
| 96. Homeownership Preservation Foundation, Colleen Hernandez - PDF |
| 97. Absalon Project, Alan Boyce - PDF |
| 98. Independent Bankers Association of Texas, Austin, TX, Christopher Williston - PDF |
| 99. Barclays Capital, New York, NY, Tom Hamilton - PDF |
| 100. Mortgage Bankers Association of Georgia, Macon, GA, Georgette Mooneyham - PDF |
| 101. Realogy Corporation - PDF |
| 102. National Council of Higher Education Loan Programs, Washington, DC, Sheldon Repp - PDF |
| 103. Cantey Callaway Tull & Tull Mortgage - PDF |
| 104. Committee on Capital Markets Regulation, R. Glenn Hubbard & others - PDF |
105. Federal Regulation of Securities Committee, Securitization and Structured Finance Committee of the Business Law Section of the American Bar Association, Chicago, IL - PDF
Supplement Comment - PDF |
| 106. Nebraska Bankers Association, Lincoln, NE, George Beattie - PDF |
| 107. National Housing Conference, Washington, DC, Maureen Friar - PDF |
| 108. State Bank of Table Rock, Roca, NE, Rick Kunze - PDF |
| 109. Ganek Wright Minsk PC, Lawrenceville, GA, Harry Minsk - PDF |
| 110. Jim Moseley - PDF |
| 111. Thomas Main, Bentonville, AR - PDF |
| 112. Liberty Bank of Arkansas, Fayettevile, AR, Howard Hamilton - PDF (6 comments) |
| 113. Primary Capital Mortgage, Roswell, GA, Shachi Bhardwaj - PDF |
| 114. Christopher Roe, Madison, WI - PDF |
| 115. U. S. Congress, Rick Crawford (1st District - Arkansas) - PDF |
| 116. U. S. Congress, Leonard Boswell, (3rd District - Iowa) - PDF |
| 117. U. S. Congress, Candice Miller (10th District - Michigan) - PDF |
| 118. U. S. Congress, Jeff Fortenberry (1st District - Nebraska) - PDF |
| 119. Ranieri Partners Management LLC, New York, NY, Lewis Ranieri and Rosen Consulting Group, Berkeley, CA, Kenneth Rosen - PDF |
| 120. University of New Hampshire, The Carsey Institute, Durham, NH, Michael Swack - PDF |
| 121. Impact Community Capital LLC, San Francisco, CA, Daniel Sheehy - PDF |
| 122. ACCORD Corporation, Belmont, NY, Charles Kalthoff - PDF |
| 123. NASA Federal Credit Union, Bowie, MD, Douglass Allman - PDF |
| 124. Organizations and Localities of the National Foreclosure Prevention and Neighborhood Stabilization Task Force - PDF |
| 125. National Housing Conference, NBC Capital Impact, Community Home Trust, Housing Development Fund, Inc., and 51 Others - PDF |
| 126. Carol Clark Law, Atlanta, GA, Michael O'Neill - PDF |
| 127. Morgan Stanley, Stephen D'Antonio - PDF |
| 128. Housing Finance Authority of Pinellas County (Florida), Rodney Fischer - PDF |
| 129. U. S. Congress, J. Randy Forbes (4th District - Virginia) - PDF |
| 130. Wisconsin Bankers Association, Rose Oswald Poels - PDF |
| 131. O'Melveny & Myers, Los Angeles, CA - PDF |
| 132. Neighborhood Finance Corporation, Des Moines, IA, Holly Olson - PDF |
| 133. Enterprise Community Partners, Washington, DC, Robert Grossinger - PDF |
134. HVP, Inc., Brockton, MA, John Marthinsen & James Connolly - PDF
Addendum Comment - PDF |
| 135. Kutak Rock, Denver, CO, Robert Ahrenholz & John Wagner - PDF |
| 136. SunTrust Banks, Atlanta, GA, Hugh Cummins III - PDF |
| 137. State Bank and Trust Company, Macon, GA, Deborah James - PDF |
| 138. American Credit Union Mortgage Association, Las Vegas, NV, John Reed - PDF |
| 139. Advocates for Basic Legal Equality, Inc., Dayton, OH, Stanley Hirtle - PDF |
| 140. American Council of Life Insurers, Washington, DC, Julie Spiezio - PDF |
| 141. National Multi Housing Council, Douglas Bibby and National Apartment Association, Douglas Culkin - PDF |
| 142. Wells Fargo and Company, Timothy Sloan - PDF |
| 143. Deutsche Bank AG, New York, NY, Salvatore Palazzolo - PDF |
| 144. FTN Financial Group, Memphis, TN, Michael Waddell - PDF |
| 145. Community Mortgage Lenders of America, Washington, DC - PDF |
| 146. Redwood Trust, Mill Valley, CA - PDF |
| 147. Genworth Mortgage Insurance, Raleigh, NC - PDF |
| 148. Association of Financial Guaranty Insurers, Bruce Stern - PDF |
| 149. Corporation for Enterprise Development, Andrea Levere - PDF |
| 150. Ken White, Marietta, GA - PDF |
| 151. Investment Company Institute, Karrie McMillan - PDF |
| 152. National Community Reinvestment Coalition, John Taylor - PDF |
| 153. University of Maryland, Robert H. Smith School of Business - PDF |
| 154. CCIM Institute, Chicago, IL, Frank Simpson - PDF |
| 155. Institute of Real Estate Management, Chicago, IL, Ronald Goss - PDF |
| 156. Jack Guttentag - PDF |
| 157. European Banking Federation, Brussels, Guido Ravoet - PDF |
| 158. Metropolitan Consortium of Community Developers, Minneapolis, MN - PDF |
| 159. U. S. Congress, Kathleen Hochul (26th District - New York) - PDF |
| 160. USAA, San Antonio, TX, Steven Alan Bennett - PDF |
| 161. Weiner, Brodsky Sidman Kider, Joel Schiffman, Washington, DC - PDF |
| 162. National Automobile Dealers Association, Paul Metrey, McLean, VA - PDF |
| 163. John O'Brien - PDF |
| 164. Sallie Mae, Laurent Lutz, Newark, DE - PDF |
| 165. Coastal Enterprises, Ronald Phillips, Wiscasset, ME - PDF |
| 166. Community Reinvestment Association of North Carolina, Adam Rust - PDF |
| 167. California Reinvestment Coalition - PDF |
| 168. Several civil rights and housing advocate organizations - PDF |
| 169. Sun Trust Mortgage, Alpharetta, GA, Janet Farmer - PDF |
| 170. First Marblehead Corporation, Gary Santo, Boston, MA - PDF |
| 171. U. S. Congress, House of Representatives, signed by eight members - PDF |
| 172. Council of Institutional Investors, Washington, DC, Laurel Leitner - PDF |
| 173. Housing Policy Council, Washington, DC, John Dalton - PDF |
| 174. PNC Financial Services Group, Saiyid Naqvi - PDF |
| 175. Metropolitan Milwaukee Fair Housing Council, Milwaukee, WI, Bethany Sanchez - PDF |
| 176. Alliance Data Systems Corporation, Columbus, OH - PDF |
| 177. Texas Mortgage Bankers Association, Tim Fisher - PDF |
| 178. Cherry Creek Mortgage Co, Greenwood Village, CO, Jeffrey May - PDF |
| 179. Select Milwaukee, Milwaukee, WI, Raymond Schmidt - PDF |
| 180. Center for Financial Stability, Kim Leslie Shafer - PDF |
| 181. Loan Market Association, London, UK, Nicholas Voisey - PDF |
| 182. National Reverse Mortgage Lenders Association, Washington, DC, Peter Bell - PDF |
| 183. Affordable Housing Professionals of New Jersey, Randall Gotteman - PDF |
184. Loan Syndications and Trading Association, New York, NY, Bram Smith - PDF
First Supplement Comment - PDF, Second Supplement Comment - PDF |
| 185. Wisconsin Credit Union League, Pewaukee, WI, Joanne Whiting - PDF |
| 186. Universal American Mortgage Co, Miami, FL, James Timmons - PDF |
| 187. Consumer Action, Washington, DC, Ruth Susswein - PDF |
188. Ashurst, Washington, DC - PDF
First Supplement Comment - PDF |
| 189. Housing Finance Alliance, Washington, DC, W. Michael House - PDF |
| 190. Mortgage Insurance Companies of America, Washington, DC - PDF |
| 191. Neighborhood Housing Services of Chicago, Ed Jacob - PDF |
| 192. Association of Mortgage Investors, Chris Katopis - PDF |
| 193. Fair Isaac Corporation, Minneapolis, MN - PDF |
| 194. National Lumber & Building Material Dealers Association, Washington, DC, Scott Lynch - PDF |
| 195. National Credit Reporting Association, Terry Clemans - PDF |
| 196. Federal Home Loan Banks - PDF |
| 197. Building Owners and Managers Association, Henry Chamberlain - PDF |
| 198. Empire Justice Center, Rochester, NY, Ruhi Maker & Barbara van Kerkhove - PDF |
| 199. California Association of Mortgage Professionals - PDF |
| 200. Minnesota Housing Partnership, Chip Halbach - PDF |
| 201. Real Estate Roundtable, Washington, DC, Jeffrey DeBoer - PDF |
| 202. American Land Title Association, Washington, DC, Anne Anastasi - PDF |
| 203. Mortgage America, Inc, Birmingham, AL, - PDF |
| 204. Massachusetts Bankers Association, Boston, MA, Jon Skarin - PDF |
| 205. Ohio Credit Union League, Columbus, OH - PDF |
| 206. Jefferson Duarte & Douglas McManus - PDF |
| 207. Eastman Credit Union, Olan Jones, Jr. - PDF |
| 208. PMI Group, Walnut Creek, CA, David Kathov - PDF |
| 209. National Association of Realtors, Ron Phipps - PDF (13,254 Letters Received Supporting NAR position) |
| 210. Advantage Plus Credit Reporting, Delia Zuniga - PDF |
| 211. Impact Mortgage Management Advocacy & Advisory Group, Lakewood, CO - PDF |
| 212. Housing Assistance Council, Moises Loza - PDF |
| 213. Michigan Credit Union League - PDF |
| 214. Invesco, New York, NY Greg Stoeckle - PDF |
| 215. Invesco, Houston, TX, Lyman Missimer - PDF |
| 216. Essent Guaranty, Radnor, PA, - PDF |
| 217. Radian Group, Philadelphia, PA - PDF |
| 218. SpiritBank, Bruce Schultz- PDF |
| 219. Hubert VanTol - PDF |
| 220. National Association of Real Estate Investment Trusts - PDF |
| 221. Credit Union National Association, Kristina Sadlak - PDF |
| 222. Conference of State Bank Supervisors - PDF |
| 223. KPMG, New York, NY - PDF |
| 224. Mortgage Bankers Association, Washington, DC - PDF |
| 225. AARP, David Certner - PDF |
| 226. Massachusetts Mortgage Bankers Association, Kristin Langone - PDF |
| 227. PricewaterhouseCoopers, Florham Park, NJ - PDF |
| 228. Hertz Corporation, Elyse Douglas, Park Ridge, NJ - PDF |
| 229. Kentucky Higher Education Student Loan Corp, Louisville, KY - PDF |
| 230. One Source Credit Reporting, Geraldine Podraza - PDF |
| 231. Missouri Bankers Association - PDF |
| 232. Center for Capital Markets Competitiveness, U.S. Chamber of Commerce - PDF |
| 233. Consumer Mortgage Coalition, Anne Canfield - PDF |
| 234. Community Associations Institute, Falls Church, VA, - PDF |
| 235. Mortgage Guaranty Insurance Corp, Milwaukee, WI - PDF |
| 236. Better Markets, Washington, DC, Dennis Kelleher - PDF |
| 237. Independent Community Bankers of America, Elizabeth Eurgubian - PDF |
| 238. Advantage Credit, Inc, Terry Pracht - PDF |
| 239. IPFS Corporation, Kansas City, MO - PDF |
| 240. PHH Mortgage,Luke Hayden & Richard Bradfield - PDF |
| 241. Seventeen National Real Estate Organizations' Joint Comment - PDF |
| 242. Mutual of Omaha Bank, Marjorie Heller - PDF |
| 243. Neighborhood Assistance Corporation of America, Bruce Marks - PDF |
| 244. Umpqua Holdings, Eugene, OR - PDF |
| 245. American Financial Services Association, Bill Himpler - PDF |
| 246. Real Estate Services Providers Council, Susan Johnson - PDF |
| 247. Quicken Loans, Detroit, MI, William Emerson - PDF |
| 248. American Bankers Association, Robert Davis - PDF |
| 249. National Association of Home Builders, Washington, DC - PDF |
| 250. Greenlining Institute - PDF |
| 251. Sixteen Vehicle ABS Sponsors - PDF |
| 252. Experian, Costa Mesa, CA - PDF |
| 253. Consumer Federation of America, Washington, DC - PDF |
| 254. Forrest Cambell, Capitola, CA - PDF |
| 255. National Council of La Raza & National Association for the Advancement of Colored People - PDF |
| 256. Guaranteed Rate, Charles Bachtell - PDF |
257. Center for Responsible Lending, Mike Calhoun & Ellen Harnick - PDF
First Supplement Comment - PDF, Second Supplement Comment - PDF |
| 258. National Fair Housing Alliance, Washington, DC, Shanna Smith - PDF |
| 259. NeighborWorks-Anchorage (Alaska) - PDF |
| 260. Financial Services Roundtable, Richard Whiting - PDF |
| 261. Pulte Group, Richard Dugas - PDF |
| 262. Vanguard, Gus Sauter - PDF |
| 263. Community Bankers Association of Illinois, David Schroeder - PDF |
| 264. International Bancshares Corp, Kristin Limehouse Koch - PDF |
| 265. Greater Boston Association of Realtors, Deborah Heffernan - PDF |
| 266. Security National Bank of Omaha (5 comments) - PDF |
| 267. Alaska USA Federal Credit Union, Jerry Reed - PDF |
| 268. Plains Capital Corporation, Alan White - PDF |
| 269. Prime Lending, Todd Salmans - PDF |
| 270. Maryland Association of Realtors, Cathy Werner - PDF |
| 271. Peter Alpert, Uniondale, NY - PDF |
| 272. Greater Rochester Housing Partnership, Jean Lowe - PDF |
| 273. National Association for the Advancement of Colored People, Durham, NC, Fred Foster, Jr - PDF |
| 274. U. S. Congress, Signed by 10 members - PDF |
| 275. U. S. Congress, Signed by 7 members - PDF |
| 276. U. S. Congress, Signed by 2 members - PDF |
| 277. U. S. Congress, Signed by 2 members - PDF |
| 278. Australian Securitisation Forum, Sydney, Australia, Chris Dalton - PDF |
| 279. U. S. Congress, Steve Cohen (9th District - Tennessee) - PDF |
| 280. U. S. Congress, Jesse Jackson, Jr (2nd District - Illinois) - PDF |
| 281. U. S. Congress, John Sullivan (1st District - Oklahoma) - PDF |
| 282. Fair Isaac Corporation - PDF |
| 283. Association for Financial Markets in Europe / Securitisation Forum, London, Richard Hopkin - PDF |
| 284. Prudential Fixed Income, Newark NJ, James Sullivan - PDF |
| 285. Pentalpha Surveillance, LLC, Greenwich, CT, Jim Callahan - PDF |
| 286. The Education Finance Council, Washington, DC, Vince Sampson - PDF |
| 287. The Loan Syndications and Trading Association, New York, NY, R. Bram Smith - PDF, Supplement Comment - PDF |
