http://acuma.info/cs/blogs/bdorsa/archive/2009/04/20/revision-to-section-32-of-reg-z.aspxThe following question was submitted by ACUMA Member Leslie Creech from Virginia CU in Richmond VA. Section 32 of Reg Z is changing beginning October 1, 2009. We will no longer use the Treasuries + 8% test – it will change to the Freddie Mac PMMS +1.5enCommunityServer 2007.1 (Build: 21119.1142)