I lifted this from the FED Press Release. It looks to me like YSP would be prohibited entirely.

In developing the proposed amendments, the Board recognized that disclosures alone may not always be sufficient to protect consumers from unfair practices. To prevent mortgage loan originators from “steering” consumers to more expensive loans, the Board’s proposal would:
• Prohibit payments to a mortgage broker or a loan officer that are based on the loan’s interest rate or other terms; and
• Prohibit a mortgage broker or loan officer from “steering” consumers to transactions that are not in their interest in order to increase the mortgage broker’s or loan officer’s compensation. Full Press Release: http://www.federalreserve.gov/newsevents/press/bcreg/20090723a.htm

Note the title Loan Officer – doesn’t that make this apply to BANKS TOO! If it does and banks have to disclose at the same level we do, I can live w/o YSP Chris G