Problems surrounding the mortgage origination process : joint hearings before the Subcommittee on Financial Institutions and Regulatory Relief and the Subcommittee on Housing Opportunity and Community Development of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifth Congress, first session, on examination of the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA) ... July 9 and 15, 1997. (U.S. G.P.O. :, 1998)