Comment on CFPB-2012-0005-0003

Dear Mr. Corday, I can not find the specific regulation changes I read about. So I am submitting my comments here: I have just finished reading an article in the Fresno Bee by Tony Pugh, of the Bee Washington Bureau, describing the proposed new rules to provide greater accountability on the part of mortgage services. Each proposal described therein makes perfect sense to me. We live in a area where many homeowners, even middle income earners, but especially the poorer ones have been victimized by shoddy lending practices. One of the national bank chains recently had an all day service faire during which their clients where helped to be able to stay in their homes. This is what mortgage service providers should do, as this kind of activity or lack very much influences not just the individuals involved by the entire community and its economy. I urge you to do everything you can to see that your proposed rule changes take effect.