I wrote many congressmen, state senators, governor, assembly representatives, etc... Finally received one reply from a State Senate Rep. He states, "...I have no jurisdiction over the HVCC as it was previously considered by your federal leaders in Congress and the U.S. Senate and is now a federal policy." Since when did it become FEDERAL POLICY? Fannie Mae is not part of the Government... not directly. The HVCC was a paper drafted by Cuomo and accepted by Fannie Mae to stave off law suits. Congress never had anything to do with it AFAIK.