I posted this answer on another thread but it also relates to this topic and probably has a pretty strong influence:
Here are some more links to follow straight from Illinois --->
Office of the Illinois Attorney General - MADIGAN ISSUES NEW SUBPOENAS TO COUNTRYWIDE AND WELLS FARGO
More specifically, read this investigation -->
http://www.illinoisattorneygeneral.g...o_reporter.pdf
Page 6 is pretty disturbing.
This study started in 2004 and I would think it has some influence on the proposed bill.