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The Manager's Amendment to the Mortgage Reform and Anti-Predatory Lending Act of 2007 (H.R. 3915) was reported out of the House Financial Services Committee earlier this month and is now before the full House for consideration. Originally crafted for the purpose of addressing the many flaws in the mortgage market that led to the subprime mortgage turmoil, the current bill would encourage lenders to limit their lending to only the very best credit risks.