Comment submitted by Mark Warshal

Summary: Mark Warshal, Vice-President of Fairway Consumer Discount Company, supports the proposed regulatory changes to promote mortgage credit access and reduce operational burdens. He specifically advocates for eliminating the post-consummation 3-day right of rescission, allowing the cost of second appraisals for property flips to be allocated to other parties, and creating a safe harbor from ATR liability for Qualified Mortgages held in portfolio by small entity creditors.