Comment on CFPB-2013-0002-0001

To Whom in may concern: In reference to the matter above concerning mortgage loans. I ask that you remove loan officer compensation from the 3% cap in points and fees charges to consumers. Please consider this premise: 1. Points and fees charged to the consumer are already in the 3% cap 2. Loan officer compensation comes from the same points and fees 3. If we add loan officer compensation in the “points and fees cap”, it is double counting the amount A reasonable solution is to remove loan officer compensation from the 3% cap.