More than five years ago, in April 2003, the attorneys general of two small states traveled to Washington with a stern warning for the nation's top bank regulator. Sitting in the spacious Office of the Comptroller of the Currency, with its panoramic view of the capital, the AGs from North Carolina and Iowa said lenders were pushing increasingly risky mortgages. Their host, John D. Hawke Jr., expressed skepticism.rnRoy Cooper of North Carolina and Tom Miller of Iowa headed a committee of state officials concerned about new forms of "predatory" lending. They urged Hawke to give states more latitude to limit exorbitant interest rates and fine-print fees. "People out there are struggling with oppressive loans," Cooper recalls saying.
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机译：五年多以前，即2003年4月，两个小州的司法部长前往华盛顿，对美国最高银行监管机构发出严厉警告。来自北卡罗莱纳州和爱荷华州的股份公司坐在货币主计长办公室内，可以一览首都的全景，他们说贷方正在推动风险越来越高的抵押贷款。他们的主人约翰·霍克（John D. Hawke Jr.）表示怀疑。北卡罗来纳州的罗伊·库珀（Roy Cooper）和爱荷华州的汤姆·米勒（Tom Miller）领导着一个州官员委员会，该委员会关注新型形式的“掠夺性”贷款。他们敦促霍克给各州更大的自由度，以限制过高的利率和罚款费用。库珀回忆说：“外面的人正为压制性的贷款而苦苦挣扎。”
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