4% Interest Rate for All

I have a mortgage rate of 6 1/4%, I am paying way more than I need too but can't refinance because of current banking rules. I want a new law to be written that states everyone in America is entitled to a 4% interest rate on there primary residence without influence by the credit score industry. This is especially important in view of the Libor scandal currently going on, where banks have been rigging interest rates, to there benefit, for years. I want interest rates to be rigged for the benefit of Americans. This law would have to include a provision that makes it illegal to deny refinancing to anyone, as a way for banks to continue robbing Americans. It is discriminatory to offer one interest rate to the rich and another to the poor, this needs to be stopped and made fair and equal. It would also jump start the economy in a way nothing else can, and lead to a fair and honest housing market in America.