Language that would crack down on yield-spread premiums could form the centerpiece of a national standard on predatory lending. “YSP is something we have focused on,” said Rep. Spencer Bachus, R-AL, in remarks during a recent hearing of the House Financial Services Subcommittee on Financial Institutions and Consumer Credit. The hearing was supposed to focus on price disparities among minorities that are evident in the Home Mortgage Disclosure Act data submitted by lenders. But it…