CRL's complaint on behalf of the plaintiffs in Rosa v. Federal Home Loan Mortgage Co. CRL, co-counseling with Legal Services of Northern Virginia, represents a couple in Fairfax County, Virginia who allege they signed a loan modification offer mailed by their lender and made all the payments the modification required. Nevertheless, their lender auctioned their home at a foreclosure sale and served them with an eviction notice. The case, which alleges the lender breached its contract with the homeowners, committed fraud, engaged in inequitable conduct that voided the foreclosure sale, and committed violated various common-law torts, was filed in Fairfax County Circuit Court and removed to the U.S. District Court.

CRL's comments on proposed housing goals for Fannie Mae and Freddie Mac support incentives to modify distressed mortgages.

Congress has an opportunity to prevent another mortgage fiasco by passing stronger protections on home lending.

CRL's brief on behalf of the petitioners seeking certiorari from the United States Supreme Court in Andrews v. Chevy Chase Bank. CRL represents a Wisconsin couple, who was one of thousands of borrowers who received identical disclosure statements for Chevy Chase Bank payment option adjustment rate mortgages that violated the Truth in Lending Act. CRL asks the Supreme Court to review the decision of the U.S. Court of Appeals for the 7th Circuit that lawsuit seeking to rescind their loan based on Truth in Lending Act violations cannot proceed as class actions.

Highlights of legislation CRL endorsed which focuses on ways to fix the foreclosure crisis

Testimony of CRL Senior Policy Counsel Ellen Harnick before House Financial Services Subcomittee on Housing and Community Opportunity.

Comprehensive testimony detailing the current state of the mortgage system, the reasons it is broken, and the steps and tools needed to stem the massive growth of foreclosures.

CRL's amicus briefs in support of the New York Attorney General in Cuomo v. The Clearing House Association, L.L.P. CRL, along with a number of consumer groups, argues that the National Bank Act's "visitorial powers" provision does not prohibit the New York Attorney General from enforcing the state's anti-discrimination law against national banks concerning their mortgage lending practices, and that the Office of the Comptroller of Currency's regulation treating this as prohibited is invalid. CRL participated in this case before the U.S. District Court, the U.S. Court of Appeals for the Second Circuit, and the U.S. Supreme Court.

CRL applauds Massachusetts AG for using consumer protection laws, specifically the unfair or deceptive acts or practices (UDAP) law, to stop foreclosures on unfair subprime loans

Highlights of President Obama's plan to address the housing crisis