The overblown subprime lender controversy has some folks hyperventilating. It is unfortunately likely to result in a wave of new government regulation. We would do far better to just let the market take care of itself, as most any fix to this non-problem will be worse than doing nothing.
If you aren't happy with your mortgage, don't call Congress or state lawmakers. Seriously -- and no, I don't feel guilty about the advertiser plug at all -- check out the wild variety in market solutions: