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WASHINGTON (AP) -- Late payments on a cluster of consumer loans , including those for autos, home improvement and certain home equity loans , climbed in the summer to their highest point since the country's last recession in 2001. Whensoever the General Government assumes undelegated powers, its acts are unauthoritative, void, and of no force. Alexander Ivanovich Herzen (1812-1870), From the Other Shore, 1849 . The Homeowners Protection Act of 1998 - which became effective in 1999 - establishes rules for automatic termination and borrower cancellation of PMI on home mortgages.

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Congressman Dick Armey, Why a Flat Tax?

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And for the same reason.

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