united states of america federal trade commission washington dc 20580 office the secretary september 14 2006 jennifer l johnson board governors reserve system 2oth and c streets nw 2055 1 re docket no op 1253 dear ms appreciates opportunity to comment on s notice regarding home equity lending arket has wide ranging responsibilities consumer financial issues for most nonbank segments economy including mortgage lenders brokers advertisers ftc enforces a number laws governing truth in act tila ownership protection hoepa which amended address certain practices high cost 10ans also section 5 more generally prohibits unfair deceptive acts rnarketpla e addition conducts research related topics develops business education materials responds inquiries about these matters from consumers industry media works with other state i
