The joint report from HUD and the Federal Reserve regarding RESPA-TILA reform : joint hearing 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, second session ... July 17, 1998. (U.S. G.P.O. :, 1999)