3. I agree with the proposed regulation and would like to state that we, the consumers’, are tired of being deceived by people we should be able to trust. When a consumer is seeking to purchase or modify a loan, they are under the impression that the Lender/Broker has taken an oath not to deceive, misrepresent or misstate information that may be crucial to the consumers decision making process. I want to lend a voice to all those consumers who are not well educated, who may not have access to the Internet for research and who put their trust in professionals who they believe will have their best interest at heart. .