12 U.S.C. § 3801 — Findings and purpose

increasingly volatile and dynamic changes in interest rates have seriously impared 1 the ability of housing creditors to provide consumers with fixed-term, fixed-rate credit^* secured by interests in real property, cooperative housing, manufactured homes, and other dwellings;

alternative mortgage transactions are essential to the provision of an adequate supply of credit secured by residential property necessary to meet the demand expected during the 1980’s; and

the Comptroller of the Currency, the National Credit Union Administration, and the Director^* of the Office of Thrift Supervision have recognized the importance of alternative mortgage transactions and have adopted regulations authorizing federally chartered depository institutions to engage in alternative mortgage financing.