Origination of loans covered by the federal Home Ownership and Equity Protection Act increased in 2005, but high-cost loans still account for only a sliver of overall mortgage production. According to a Federal Reserve Board analysis of Home Mortgage Disclosure Act Data, 35,984 HOEPA loans were originated last year, a 53 percent increase from the prior year. Despite that growth, HOEPA loans accounted for less than one-half of one percent of the mortgages originated in 2005. Enacted in 1994, HOEPA requires enhanced...