This month we add information regarding the Ohio Predatory Lending Act, which becomes effective for all loans with a closing date on or after January 1, 2007. In our August, 2006 issue, we added information regarding the Rhode Island Home Loan Protection Act, which becomes effective on December 31, 2006. And, in our July, 2006 issue, we added information regarding the Tennessee Home Loan Protection Act, which becomes effective on January 1, 2007. Please visit our Predatory Lending page to review these and other high-cost memos that have already been posted on the Compliance page of our website.