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	<title>Michael Saunders Real Estate Blog &#187; consumers</title>
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	<description>Thoughts and Opinions about the Greater Sarasota, FL Real Estate Market</description>
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		<title>Market In Review: The Wells Fargo ViewSM</title>
		<link>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-2/</link>
		<comments>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-2/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 15:39:58 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[American Bankers Association]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[Consumer Financial Protection Agency]]></category>
		<category><![CDATA[Consumer Protection Act 2009]]></category>
		<category><![CDATA[Consumer Protection Act of 2009]]></category>
		<category><![CDATA[Consumer Protection Agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[H.R. 4173]]></category>
		<category><![CDATA[Mark Zandi]]></category>
		<category><![CDATA[S&P/ Case-Shiller Home Price]]></category>
		<category><![CDATA[Senate]]></category>
		<category><![CDATA[U.S. House of Representatives]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2701</guid>
		<description><![CDATA[In December, the U.S. House of Representatives approved – by a vote of 223 to 202 – the Wall Street Reform and Consumer Protection Act of 2009, otherwise known as H.R. 4173. This bill proposes sweeping reforms that have the potential to profoundly impact how financial companies operate and what consumers can be offered in terms of products and services.]]></description>
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		<title>Market In Review: The Wells Fargo ViewSM</title>
		<link>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm/</link>
		<comments>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 20:55:51 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[first time homebuyer tax credit]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Real Estate Settlement Procedures Act]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2219</guid>
		<description><![CDATA[Consumers were active in the housing market during the third quarter with refinance and purchase applications. Existing homeowners fueled the refi activity, and first-time homebuyers accounted for 43% of home purchases in August, according to the Sept. 18 issue of Inside Mortgage Finance.]]></description>
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		<item>
		<title>Say Goodbye to Your Rabbit Ears</title>
		<link>http://www.thesaundersblog.com/say-goodbye-to-your-rabbit-ears/</link>
		<comments>http://www.thesaundersblog.com/say-goodbye-to-your-rabbit-ears/#comments</comments>
		<pubDate>Tue, 16 Jun 2009 20:05:32 +0000</pubDate>
		<dc:creator>Michael Saunders</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[disclosure]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[HERA]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Truth-In-Lending]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=804</guid>
		<description><![CDATA[The Housing and Economic Recovery Act of 2008 will change the way of conducting Real Estate business. As with many congressional acts, the HERA provisions are designed to protect consumers. This includes giving borrowers more time to review the information about their loan and to feel comfortable about their loan choice before moving forward.]]></description>
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