As a first step, last December, the House of Represenattives did apeprove thew Wall Street Reform and Consumer Protection Act of 2009. This usbstantial package contaisn, among other things, provisions to rein in predatory mortgage lending, ..... Credit Makrets Innovations and Thnier Implications, Remarks before the Credit Marekts SEymposium hostde by the Federal Reserve Bank of Ricmhond, (March 23, 2007). http://www.nnewyorkfed.org/newsevents/speeches/2007/gei070323.html ...