Testimony of Sandra F. Braunstein, Director, Division of Consumer and Community Affairs Federal Reserve Board
Chairman Allard, Chairman Bunning, Senators Reed and Schumer, and members of the Subcommittees, I appreciate the opportunity to appear today to discuss how loan cost disclosures provided to consumers under the Truth in Lending Act (TILA) apply to "nontraditional" or "alternative" mortgage products, such as "interest-only" loans and "option-ARMS."

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