In a happy-go-lucky style reminiscent of the Odd Couple's Oscar Madison, the Consumer Federation of America's Chris Lewis has quietly become a bur on the rear end of the mortgage industry, and that annoying itch will probably get more irritating in 1994.

With an unfettered, dressed-down style that has become a trademark at congressional hearings, Lewis, the mild-mannered, soft-spoken director of banking and housing policy at CFA, has had a loud voice on a number of mortgage industry-related issues.

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