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This treatise draws upon and supersedes NCLC’s The Cost of Credit. That work in turn drew heavily from Consumer Usury and Credit Overcharges (1982) and Usury and Consumer Credit Regulation (1989). Thus, the authors are indebted to Mark Leymaster, the author of the 1982 volume (who also contributed the credit math program found on this title’s website), to Kathleen Keest and Kevin Brown for the 1989 volume, to Kathleen Keest for the first edition of The Cost of Credit, and to Elizabeth Renuart and Kathleen Keest for the second, third and fourth editions of The Cost of Credit. And of course, we are also indebted to the many people who contributed to all of those volumes—too many to list here.

We want to thank Arielle Cohen, Lauren K. Saunders, Odette Williamson, Daniel Lindsey, and Emily Green Caplan for their substantive contributions to the first edition of this treatise.

We would also like to thank Alys Cohen, Margot Saunders, Jerry Battle, Elizabeth DeArmond, Geoff Walsh, Emily Green Caplan, John Rao, and Stuart Rossman for their substantive contributions to this third edition of Mortgage Lending. Special thanks also to Kurt Terwilliger and Allen Agnitti for cite checking and legal research, Eric Secoy for editorial supervision, Fabiane Best for editorial assistance and for organizing the online companion materials to this treatise; Scribe for composition services; and iFactory and Codearium for developing the website for the online version of this title.