PREDATORY LENDING,UNFAIR,FRAUDULENT,LENDERS,LOAN ORIGINATION,PROCESS,LEGAL,DEFINITIONS,THE UNITED STATES,AUDIT,REPORT,THE OFFICE,INSPECTOR GENERAL OF,FDIC,DEFINES,IMPOSING,LOAN,TERMS,BORROWERS,LAWS,IDENTIFIED,PREDATORY,FEDERAL,PHRASE,CATCH ALL,TERM,ILLEGAL ACTIVITIES,INDUSTRY,SHOULD,CONFUSED,PREDATORY MORTGAGE SERVICING,SERVICING,AGENTS,MORTGAGE SERVICING,POST,LESS,DEFINITION OF,THE PRACTICE,LENDER,MAKE IT,THE BORROWER,LENDING,SOMETIMES,PAYDAY LOAN,CERTAIN,CREDIT CARD,SUBPRIME,CONSUMER,DEBT,OVERDRAFT,LOANS,INTEREST RATES,HIGH,TARGET,EDUCATED,THE POOR,RACIAL MINORITIES,ELDERLY,VICTIMS,DEMOGRAPHICS,KIND,COLLATERAL,CAR,DEFAULTS,REPOSSESS,PROFIT,SELLING,FORECLOSED,PROPERTY,ACCUSED,TRICKING,BORROWER,INTEREST RATE,ACTUALLY,THE BORROWERS,ABILITY,GREATER THAN,REPOSSESSION,FORECLOSURE,DISPUTE,RISK BASED PRICING,CHARGING,HIGHER,FEES,CREDIT,GREATER,CREDIT RISK,LENDING INDUSTRY,LEGITIMATE,PRACTICE,PERCENTAGE,TO GO,DEFAULT,PRICES,NECESSARY,YIELD,ARGUE,PAID,CONSUMERS,CANNOT,ALWAYS BE,JUSTIFIED,PREMIUM,INSURANCE,PURCHASE,WHICH WILL,CASE,DIES,INVOLVE,MEDICAL,CUSTOMERS,ALMOST ALWAYS,CHOICES,LICENSED,SELL,ADDITION,CAUSES,BE MORE,SAME TIME,PEOPLE,BUY,DO NOT,HAVE TO,PAY UP,FRONT,FAILURE,PRESENT,PRICE,NEGOTIATE,THE PRICE,STRUCTURE,SITUATIONS,OUTRIGHT,REDUCTION,CHARGES,ADVOCATES,AWARE,MIGHT,MISTAKEN,IMPRESSION,ABOVE,THUS,ADVANTAGE,DISCLOSE,TERMS AND CONDITIONS,PARTICULARLY,CASES,INVOLVED,MORTGAGE LOANS,COMPLEX,TRANSACTIONS,MULTIPLE,PARTIES,DOZENS,PAGES,LEGAL DOCUMENTS,BROKERS,ALTERED,DOCUMENTS,SIGNED SHORT,LATE FEES,CHECKING ACCOUNT,TAX REFUND ANTICIPATION LOAN,THE MONEY,SHORT PERIOD,TIME WORKS,ANNUAL,IN EXCESS,THE MARKET,RATE,HIGH RISK,THE ORIGINATORS,INTEREST,AGENT,SECURITIZATION,THE ENTITY,MORTGAGE,PAYMENT,ACCOUNT,STATEMENTS,DELINQUENT,FINANCIAL TRANSACTION,ASSETS,INSTRUMENTS,SECURITIES,REPRESENTING,IN THE POOL,SUBJECT TO,SOLD,RIGHTS,CONSENT,FEDERAL STATUTE,NOTICE,CHANGE,PROTECT,THE NOTE,PAYMENTS,FORWARD,THE OWNER,GOES,BANKRUPT,ON TIME,FIND,THEMSELVES,BECOMING,CREDITORS,FORECLOSURES,CONDUCTED,PROPER,TEXAS,RULE,CIVIL,PROCEDURE,NO DEFENSE,EVICTION,FORCING,MOVE,EXPENSE,LAWYER,FINDING,ANOTHER PLACE,TO LIVE,LITIGATING,THE CLAIM,THE HOUSE,TIMES,DEBTOR,THE BEST,EVIDENCE,THE CURRENT,CLAIMED,NOTE,PRODUCE,THE ORIGINAL,DEBTORS,SIGNATURE,ON IT,TO DO,CLAIM,AFFIDAVIT,PROVING,HOLDER IN DUE COURSE,TRADITIONAL,STANDARD,COURTS,IN THE MEANTIME,TRADED,PHYSICAL,WHEREABOUTS,DISCOVER,LETTER,FLIPPING,LITTLE,ECONOMIC,BENEFIT,PRIMARY,SOLE,OBJECTIVE,PREPAYMENT PENALTIES,RELATED,SPECIAL,SUBSIDIZED,MORTGAGES,THE LOSS,BENEFICIAL,PACKING,HIDDEN,AMOUNT,STRUCTURES,NEGATIVE AMORTIZATION,IMPOSSIBLE,REDUCE,INDEBTEDNESS,BALLOON PAYMENT,TRUE,FORCE,REFINANCING,TARGETING,OLDER,PERSONS,SOPHISTICATED,QUALIFY,MAINSTREAM,INADEQUATE,DISCLOSURE,COSTS,RISKS,THE OFFERING,CREDIT LIFE INSURANCE,MANDATORY ARBITRATION,CLAUSES,COMMUNITIES,OF COLOR,MINORITIES,THE PAST,DECEPTION,ORGANIZATIONS,ACORN,THE AMERICAN CIVIL LIBERTIES,UNION,UNITED FOR A FAIR ECONOMY,PROVE,MADE IN,MINORITY,NEIGHBORHOODS,AARP,INNER CITY PRESS,STOP,DESCRIBE,COMPANIES,HSBC FINANCE,BLOCK,SUBPRIME LENDING,RAISED,MORTGAGE DISCRIMINATION,BASIS,RACE,AFRICAN AMERICANS,SUB PRIME,WHITE,COUNTERPARTS,MEDIAN INCOME,SUBPRIME LENDER,LEADING,WOMEN,COMPONENT,CRUNCH,PROFESSOR,ANITA,HILL,FIRST TIME,OFFICERS,LACK,FINANCIAL,FEMALE,BELIEVE,PROTECTED,CONSUMER PROTECTION,REALLY,OUTSIDE,THE LAWS,REFER TO,C,MEDIA,INVESTIGATIONS,DISCLOSED,BAIT AND SWITCH,SALESMANSHIP,FRAUD,THE HOME,BOOM,EXAMPLE,REPORTERS,MICHAEL HUDSON,SCOTT,BROKE,STORY,THE LOS ANGELES TIMES,SALES,TACTICS,AMERIQUEST MORTGAGE,LARGEST,HUDSON,INTERVIEWS,COURT,AMERIQUEST,EMPLOYEES,WHO SAID,COMPANY,BROKEN,THE LAW,FORGING,FALSIFYING,INCOME,COULDNT,SETTLEMENT,STATE,AUTHORITIES,THE NATION,THE NATIONAL,HOME EQUITY,ASSOCIATION,AVAILABILITY,FINANCE,CONSIDER,PEJORATIVE TERM,UNDERLYING,DEBATE,JUDICIAL,PROBLEM,SHIFT,THE BURDEN OF PROOF,COMPLIANCE,INSTRUMENT,ARGUMENT,DUTY,SURE,THE LAST,COLLECTION,SUFFICIENT,REVERSE,CANCEL,THE ACTUAL,ORIGINAL,IDEA,THOUGHT,RISK,IN ESSENCE,RETURNS,MOTIVATE,LEND,GROUP,MIGHT NOT,RISKY,SYSTEM,BUSINESS,RAISE,GLOBALLY,CREATE,CAPITAL GAINS,AFFLUENT,WORKING CLASS,MODEST,RESOURCES,PRINCIPLE,CONTEND,GENERALLY,COMPETITION,ENSURE,FEEL,RATES,WITH RESPECT TO,IRRESPONSIBLE,ENCOURAGE,PROBLEMS,TAKE OUT,FOR ALL,CONS,REMAINS,UNIVERSAL,BOND,MARKETS,INSURANCE INDUSTRY,THE STOCK MARKET,OPEN MARKET,CONTROVERSIAL,THE CASE,FAIR,CHARGE,EXCUSE,OVERCHARGE,COUNTER,PREVENT,OVERCHARGING,CRITICS,TIME VALUE OF MONEY,THE CONCEPT,ANNUAL PERCENTAGE RATE,MEASURE,USED TO,RECENT,RESEARCH,LEGISLATIVE,EXPERIMENT,THE STATE,ILLINOIS,PROPERTIES,ZIP CODES,OFFERS,REVIEW,THE EXPERIMENT,LEGISLATION,PUSHED,ORDER,COUNSELING,CAVEAT EMPTOR,WHETHER,WHATEVER IT,SERVICE,ATTEMPTED,DECEIVE,ISSUE,HERE,BELIEF,COMMODITY,COMMUNITY,ALMOST,FIDUCIARY DUTY,ADVISE,FUNDS,FINANCIAL PRODUCTS,APPEAR,ADVERSE SELECTION,ALLEGE,IF ONLY,THE RIGHT,THE PRODUCT,BOUGHT,ABLE,TERM LIFE INSURANCE,THE MAJORITY,REFUSED,RELATIONSHIP,FIDUCIARY,DECLINED,IMPOSE,DUTY OF CARE,IN THE MAKING,ONCE,RELEVANT,STATUTORY,ARTICLE,NEW YORK TIMES,G