Frank --

The ability to convert predatory home improvement contracts into assets for established lenders can be resolved by making the rules apply to all loans secured by a prime residence -- something which is not the case with Section 32.

You have raised a number of issues and we are all better off for the time you have taken to exchange views. Thank you.

All the best.

Peter G. Miller
OurBroker(r)
http://www.ourbroker.com