The Federal Reserve has taken up a new step in order to protect the homeowners. It has announced a new rule which will ban yield spread premiums. The yield spread premiums allowed mortgage brokers and lenders to get additional profit from loans by charging higher interest rates to the borrowers. Earlier, the lender used to pay bonuses to the brokers who brought them high-interest loans. Once the economic down turn started, the borrowers were unable to pay the high interest rates which led to the real estate crisis.