You know, I can make the same point about purchasing U.S. treasuries, arguably world's safest investment, at a wrong time, and you'll walk away a loser holding world's safest (or at least among safest) income generating asset.

Those most applicable for a CFPB examiner will be first within their agency domain, then in light of other agencies such as FDIC, Comptroller of Currency or Treasury Department regulations pertaining to lending, if an examiner can't peg the issue at that point, it's questionable if the examiner can determine an enforceable violation under their jurisdiction. :)Go Mizzo!

Longing high yield papers and shorting US treasuries at the same time has been a method for many investors.

They both say that the treasury market is in a bubble and will bust but give no catalyst for this event.

This link should be helpful: http://www.state.nj.us/treasury/revenue/gettingregistered.shtml

We have not received funds from Treasury under the agreement since the first quarter of 2012.

They are a little better than holding a treasury bill but not much.I personally believe the key to success is only buy really great deals or not at all.

The US treasury market is the most liquid investment the world hasever known.

It is possible the low (not as low now) cost financing will become its own income generator if/when you can buy completely safe (CD's and treasuries) that generate higher return than the cost of the mortgage you get now.

Not only do we have some very important economic reports but we also have a huge supply of Treasury auctions to contend with, a Congressional vote on Syria, a monthly bond coupon roll over, and this is the last week before the next Fed meeting.