Mortgage Lending

• 1 in 7 families with a mortgage is either delinquent or facing foreclosure.
• 6 out of 10 subprime borrowers in 2006 qualified for a cheaper loan.
• 2009 foreclosures will drain more than $500 billion from nearby home values.
• Today, 7 agencies regulate  lenders, but none focus just on consumer protection.

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Payday Lending

• Payday loans carry annual interest rates of about 400%.
• Congress cap payday loan rates for soldiers at 36 percent. Shouldn’t that be the rule for everyone?

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Overdraft Loans

• Banks rake in $23.7 billion a year in overdraft fees, and sign people up for this "service" without their consent.
• Many bank overdraft fees come from debit card purchases of small-ticket items -- $35 for a $5 hamburger?
• Younger and older Americans are disproportionately hurt by bank overdraft fees.

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Credit Cards

• Credit card users who are charged a “penalty” for late payments will likely see their rates double.
• The average household with credit card debt owes $10,000.
• Behind on your credit card?  Penalty charges might cost you more than your purchases! 

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Auto Loans

• In NC, dealer "markups" on car loans cost buyers $665 million annually

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