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From: Leo Whitton Subject: Reg Z - Truth in Lending Comments: Date: Dec 24, 2009 Proposal: Regulatio

From: Leo Whitton Subject: Reg Z - Truth in Lending Comments: Date: Dec 24, 2009 Proposal: Regulatio-2025

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The document is a comment from Leo Whitton regarding Regulation Z - Truth in Lending, specifically focusing on closed-end mortgages. Whitton, with 16 years of experience in the mortgage industry, argues against the elimination of Yield Spread Premiums (YSP), stating that it does not benefit consumers and can lead to higher costs and fewer options for borrowers. He emphasizes the importance of licensing, education, and accountability for loan originators to protect consumers rather than removing YSP.

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