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As an expert in mortgage technology, Scott is called upon by members of
Congress to articulate technology issues facing the mortgage industry.  The
specific inquiries are related to how the GSE technology initiatives impact the
health of the mortgage industry.  Listed below are two white papers submitted
to members of Congress and a few articles that Scott has authored that
discuss GSE technology issues.  Note however, changes at Freddie Mac in
2004-2006 have mostly mitigated the issues found in these papers.  See the
article in the August 2006 issue of Mortgage Banking for more detail.

GSE's and Their Technological Impacts - April 2005

In early 2002 Scott spent time up on the Hill meeting with key Senators and
Congressmen that were involved with GSE regulatory issues.  This white
paper was the sole document used to describe to the lawmakers how the
GSE's technologies impact the mortgage industry.

GSE Technology Initiatives - February 2002

Articles that discuss GSE technology:

Mortgage Banking Magazine - Apr. '05 - "Is Automation Influencing R.E. Cycles"

Mortgage Banking Magazine - Nov. '04 - "What I Want For Christmas From The
GSE's"

Mortgage Banking Magazine - Jul. '04 - "For The Benefit of Consumers"

Mortgage Banking Magazine - May '04 - "Technology and Mortgage Economics"

Mortgage Banking Magazine - Aug '03 - "Settlement Service Automation"
GSE Tech Issues