Note urges support of the Miller-LaTourette amendment which urges compliance with state consumer protection laws

Testimony of Julia Gordon before the U.S. House of Representatives Committee on Financial Services Subcommittee on Housing and Community Opportunity

CRL's pleadings and briefs on behalf of the plaintiffs in Jackson v. Mortgage Electronic Registration Systems, Inc. CRL represents a class of Minnesota homeowners facing foreclosure who allege that MERS' failure to record all transfers in the ownership of their loans before beginning the foreclosure process violates procedural requirements in the state's non-judicial foreclosure statutes concerning the recordation of mortgage assignments. This case was filed in the Minnesota state courts, removed to the U.S. District Court, and certified to the Minnesota Supreme Court.

Request for comment on proposed changes to Regulation Z (Truth in Lending) to protect consumers from unfair or deceptive home mortgage lending and advertising practices. The rule, which would be adopted under the Home Ownership and Equity Protection Act (HOEPA), would restrict certain practices and would also require certain mortgage disclosures to be provided earlier in the transaction.

CRL supports court-supervised loan modifications

CRL's complaint on behalf of the plaintiff in Howard v. Countrywide. CRL represents a homeowner in the District of Columbia who alleges he was refinanced four times in the course of three years into loans that he could not afford, including several brokered loans that provided the broker with high compensation (including yield-spread premiums) and a "no income no asset" loan from Countrywide Home Loans. The case, which alleges violations of the District's consumer protection laws and the federal Truth in Lending Act, was filed in D.C. Superior Court and removed to the U.S. District Court.