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To Amend the Securities Exchange Act of 1934 to Ensure Mortgages Held Financialservices House  Form

To Amend the Securities Exchange Act of 1934 to Ensure Mortgages Held Financialservices House Form

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so on zombie mortgages there was and we think this is quite targeted in a few Metro areas but maybe Nationwide second mortgages that were considered satisfied but that have reemerged and are targeting people sitting on home equity often seniors zombie debt more broadly of things that just keep popping up over and over again and the consumer is often put in a place to prove they've paid it even though you know it may be long ago I I think there's a lot of ways in which the credit report too is used to coers people into paying this debt debt parking so we do use our authorities under the fair debt collection practices act and Fair Credit Reporting Act but I think it's worthwhile to think if we need any sort of enhancements to it um in order to make sure that this type of what I see often as fraud doesn't recur great thank you for that

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