Congressional Democrats have taken their first stab this session at predatory lending with two new bills that emphasize certification and consumer education. The first of those bills, H.R. 1663, would amend the Truth in Lending Act to require that subprime lenders “establish and maintain” best practices plans based on guidelines that would be set by federal regulators. Sponsored by 23 Democrats led by Rep. Stephanie Tubbs Jones, D-OH, the