From: Joe Copeland
Sent: Monday, February 09, 2004 3:35 PM
To: 'regs.comments@federalreserve.gov'; Comments;
'regs.comments@occ.treas.gov'; 'regs.comments@ots.treas.gov'
Subject: EGRPRA
My comment is brief. When considering new legislation could we get the attorneys
out of the process? I have been in banking for 40 years and when I started I
could perfect a mortgage with a note, four page mortgage, appraisal, and
verification of insurance. I honestly believe that we have swung so far to the
left that all the regulations and associated cost have harmed the consumer. For
sure from a banks perspective. All the banks I have been associated with over
the years tried to treat people honestly and competition has also forced us to
be competitive and honest with our dealings with the public.
I really don't get it. Who are we protecting the attorneys or the consumers?
