The Federal Reserve has banned mortgage fees you probably weren't even aware of, but that were inflating your home-loan interest rate. On Monday, the Fed announced it was banning yield spread premiums, or YSPs. YSPs are essentially bonuses that lenders paid to mortgage brokers who steered them high-interest loans. The YSP took on a shady reputation once brokers began directing some buyers toward higher-interest loans, claiming it was the best deal they could get. Subprime lenders were the most frequent users of YSP bonuses, which were rarely disclosed to borrowers.