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In 2007, the FTC staff studied the effectiveness of existing mortgage disclosures, and found that they failed to convey key mortgage costs to consumers. The staff developed and tested an alternative prototype notice, which was much more successful in conveying these costs. The prototype notice included the key costs in simple, easy-to-understand language, and excluded less important or confusing information. The form was layered in that it included summary information on the first page, and more detailed information on subsequent pages.