The industry’s strategy for moving a federal predatory lending bill that would scuttle state and local laws is becoming a bit clearer amid reports that the legislation could be carved up and moved as two companion bills. Inside B&C Lending has learned that Reps. Bob Ney, R-OH, and Spencer Bachus, R-AL, are considering a plan that would divide Ney’s anti-predatory lending bill, H.R. 1295 “The Responsible Lending Act,” based on committee jurisdiction. The bill is