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Regulators
HIGHLIGHT
Today's housing crisis was made possible by weak rules and poor enforcement. As policymakers consider regulatory reform, we focus on three broad goals: stronger rules to restore common sense standards; preserving the states' ability to protect its citizens from predatory lending; and more disclosure and transparency among lenders.
- Consumer Financial Protection Bureau--Overview of Key Provisions
September 1, 2010Overview of CFPB describes its structure, funding, duties and how it will work with the states to enforce consumer protections.
- Eliminating Systematic Charges on Home Loans: Fed Rules on Yield Spread Premiums
August 19, 2010Fed issues final rules on yield spread premiums.
- Comments to the Federal Housing Administration on Risk Management Initiatives
August 16, 2010CRL's comments to the FHA on ensuring access to credit for low-wealth and minority borrowers as the agency considers risk management initiatives.
- Top Priorities for Real Financial Reform
June 16, 2010For the final financial reform bill that will be considered and voted on by the House and Senate joint conference committee, there are three issues vital in protecting taxpayers from another crisis in the future.
- Myths vs. Facts about the Consumer Financial Protection Bureau
April 23, 2010The Consumer Financial Protection Bureau would actually reduce regulatory burden while increasing safety and soundness and making loans more affordable.
- Consumer Financial Protection Agency (CFPA/CFPB)
April 8, 2010CFPA (also referred to as CFPB) is the new Consumer Financial Protection Agency currently being considered by Congress. The aim of the CFPA is to help repair our financial system and protect families by ensuring stronger consumer protections from financial products and by preventing abusive practices in the financial industry. With a new Consumer Financial Protection Agency or Bureau (CFPA or CFPB) Congress can repair our financial system and protect American families with a strong regulator that is independent of the companies it regulates, and fully transparent and accountable to the public.
- Comments to the Federal Trade Commission on Mortgage Assistance Relief
March 30, 2010The need for mortgage relief continues to grow, but too often companies that promise mortgage assistance relief services (MARS) turn out to be scammers. CRL and its allies recently submitted comments to the Federal Trade Commission, which is considering tighter rules to ensure that people who pay for mortgage assistance actually have a fair chance of receiving help.
- Comparison of Consumer Financial Protection Agency Bills
March 18, 2010How Does Dodd’s Latest Financial Reform Bill Measure Up On Consumer Protection? Comparison of Senate, House, and Administration CFPA Bills from Think Progress: http://wonkroom.thinkprogress.org/2010/03/15/cfpa-chart/.
- Consumer Financial Protection Agency (Additional Resources)
March 1, 2010Financial Reform: Learn more about the CFPB/CFPA and other efforts to reform the financial system.
- Federal Reserve Should Ban Mortgage Kickbacks
December 24, 2009In a comment letter to the Federal Reserve Board, CRL recommends strengthening proposed rules to ban routine kickbacks on home loans that already have cost Americans billions of dollars.
