Public Comment, Nontraditional Mortgage Products, American Bankers Assn.

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1120 Connecticut Avenue, NW Washington, DC 20036 BANKERS March 29, 2006 Filed via e-mail World-Class Sol~tio IZJ, hadership & Advoca y Silzce 1875 Robert E. Feldrnan Regulation Comments Executive Secretary Chef Counsel's Office Attention: Comments Office of Thrift Supervision Paul A. Smith Federal Deposit Insurance Corporation 1700 G Street, NW., Senior Couilsel 550 Street, NW. Washmgton, DC 20552 Phone: 202-663-5331 Fax: 202-828-4548 Washington, DC 20429 Attention: No. 2005-56 psmith@aba.com Comments@,FDIC.gov reg.s.comments@,ots.treas.g.ov - Jennifer J. Johnson, Secretaly Office of the Comptroller of the Board of Governors of the Federal Currency Reserve System 250 E Street, SW., Mail Stop 1-5 20th Street & Constitution Avenue, NW Washmgton, DC 20219 Waslungton, DC 20551 reg.s.comments@,occ.treas.eov - reg.s.comments@,federalreserve,eov Re: FDIC (No docket number provided); FRB Docket No. 0P-1246; OCC Docket No. 05-21 ; OTS Docket No. 2005-56; Proposed Interagency Guidance on Nontraltional Mortgage Products; 70 Federal Remster 77249; December 29, 2005. Lales and Gentlemen: The Federal Deposit Insurance Corporation, Board of Governors of the Federal Reserve System, Office of the Comptroller of the Currency, and Office of Thrift Supervision (the "Agencies") have proposed an Interagency Guidance on Nontraltional Mortgage Products ("Guidance") that would greatly increase the level of supervision applicable to these mortgage products and create ...

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