Public Comment, Nontraditional Mortgage Products, AmSouth Bank

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Michael J. Willoughby AmSouth Bank Executive Vlce Pres~dent and Post Offlce Box 11007 Chlef Credlt Officer Blrmlngham, Alabama 35288 Corporate Cred~t Admlnlstratlon (205)801 -0661 February 14.2006 Office of the Comptroller of the Currency 250 E Street, SW Mail Stop 1-5 Washington, DC 20219 RE Docket No. 05-21 Ms. Jenn~fer J Johnson Secretary Board of Governors of the Federal Reserve System 20Ih street and Constitution Avenue, NW Washington, DC 20551 RE Docket No OP-I246 Mr Robert E Feldman Executive Secretary Attent~on Comments Federal Deposit Insurance Corporation 550 17Ih street, NW Washlngton, DC 20429 Regulation Comments Chief Counsel's Office Offlce of Thrift Supervlslon 1700 G Street, NW Washlngton, DC 20552 Attent~on: No 2005-56 Ms Mary Rupp Secretary of the Board National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 Re PROPOSED GUIDANCE ON NON-TRADITIONAL MORTGAGE PRODUCTS Ladles and Gentlemen AmSouth Bancorporation (AmSouth) appreciates the opportunity to comment on the proposed Interagency Guidance on Nontradltlonal Mortgage Products Issued jointly on December 20, 2005 by the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit lnsurance Corporat~on, the-Office of Thrift Supervision and the Natlonal Cred~t Union Administrat~on (the Agencies) AmSouth is a bank holding company wlth total assets in excess of $50 b~llion at ...

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