The Senate Baking, Housing and Urban Affairs Committee will kick off the new year with a hearing on predatory lending practices. The hearing will focus on yield-spread premiums in relation to the Department of Housing and Urban Development’s 2001 policy statement on broker compensation. The hearing will be held on Jan. 8 at 9:30 a.m. at the Dirksen Building, Rm. 538, in Washington, DC. The Federal Financial Institutions Examination Council has issued uniform examination procedures