I just escaped my Countrywide Sub-Prime mortgage for a fixed-rate mortgage with Wells Fargo at 6.5%. And I don't have a spectacular credit score either. Affecting main-street? Not on my street.
I called every Texas Congresscritter and Representative and told them I would actively campaign against anyone that votes in favor of HR1424. And yes, that includes both Cornyn & Hutchison, who I voted for and gave money to. Not again.
I was ignored, and I won't forget!