Once again were back with the third part of Predatory Lending, Sub-prime loans and racial disparity among borrowers. Before we begin, I need to address a few areas you may not be aware of, but are crucial to our existence as homeowners. I covered the Home Mortgage Disclosure Act (HMDA) implemented by Regulation C a few weeks ago. Here are three other very important terms and regulations I will touch on and encourage you to research. Coincidently, I plan to cover these areas more in depth after this series.