A Georgetown University study reinforced what lenders have been saying all along: expanding the Home Ownership and Equity Protection Act would likely raise the cost of subprime mortgage loans. Authors Michael Staten and Gregory Elliehausen concluded that the Fed’s proposal to lower HOEPA’s rate trigger from the current 10 percent to 8 percent and add premiums on financed credit insurance to loan fees would bring 37.6 percent of all first mortgages and 81.1 percent of