Everyone who owns a home and has a mortgage is at risk, regardless if you have a fixed or adjustable mortgage rate. Banks were deregulated under President Bush and he gave them a license to steal homes without having any just cause to take the homes. If your home has equity in it the bank can call the loan at will or transfer it to another loan servicers and they can call the loan. The bank knows when the home is worth more than the outstanding balance of the loan and they will use their BPOs (appraisal sources) to determine if they should foreclose and steal the home from the legal home owner. Banks use the MERS system to transfer the home through many entities electronically without notifying the legal homeowner. Thus making it difficult for the homeowner to get a written justification for why the Bank came up with a myriad of fess and charges that changed the cost of the monthly payment and now they have the means to commence the foreclosure process. Many homeowners do not have the means to litigate this process which can take years in state and federal court where the bank's legions of attorneys and their strong lobbying power will nearly always get the courts to rule in their favour. This process gets far worse with adjustable rate mortgages that can rise even when the prime rate drops. Unregulated banks are at the root cause of our economic downfall over the last seven years. The Federal Reserve Board of Governors with the help of the State and Federal Legislatures, should rule that all foreclosures must cease retroactive to 2005 when the banks started making these toxic loans. I urge every American homeowner to sign my petition and join in the fight against banking corruption, extortion and fraud.