Hey, thanks Andy, and welcome to all of you. You know, Dodd-Frank mandated that the Consumer Financial Protection Bureau combine the RESPA GFE and the early Truth in Lending disclosure, the HUD-1 and the final Truth in Lending disclosure. So, they've issued their proposal to do just that. It's a 1,099-page proposal, and let me tell you, there's no fluff in there. They needed that amount of space to discuss all of this. The bottom line is, you basically toss out everything you know about mortgage lending and mortgage lending disclosures. So much has changed, and once these become final, and we're waiting for them to become mandatory, we're going to have a foot in both worlds. It's going to be confusing as all get-out. But there are some concepts and new approaches that you need to start getting in your head now. So, we're going to be focusing today on the proposed new forms, the loan eand the closing disclosure. They not only have the information that used to be in the old forms that they're combining, but they're also going to be building in a lot of new information mandated by Dodd-Frank, from the negative amortization statement to the escrow account disclosures and everything else shown in the bullet point list on page one of your materials. The goal is to present consumers with all the information they could possibly need to truly understand the transaction they are entering into. So, Jack, set the stage for it a little bit. Alright, well, these revisions that we're talking about today, the forms and self, you know, they're combined. What used to be in RESPA with what used to be in Truth in Lending, but the resulting product is lodged in Truth in Lending. The information about how to fill...
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