Congressional "solutions" to subprime crisis

Sort of funny to be watching Washington Journal this morning with a couple congressman discussing solutions to the subprime crisis. Who has made the real estate closing process more confusing (with tons more paperwork) than our Congress? As I see it, the issue is an advertising issue...not so much anything specific to mortgage financing and legal documents themselves. And you really only need to understand the first two pages of a Note to see what your interest rate, change date and prepayment penalties are anyways.