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.
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- Consumer Financial Protection Agency: Myths versus Reality
Published: Aug 13 2009 Issue: CFPB
- Neglect and Inaction: An Analysis of Federal Banking Regulators’ Failure to Enforce Consumer Protections
Published: Jul 13 2009 Issue: Mortgage Lending, Overdraft Loans, CFPB, Credit Cards
The failure of the bank regulators to protect consumers is a systematic problem that has stretched over at least several decades.
- Overview of the Obama Administration’s Proposed Consumer Financial Protection Agency
Published: Jun 24 2009 Issue: CFPB, Mortgage Lending
This summary focuses only on the consumer protection component of the Obama Administration’s Financial Regulatory Reform proposal.
- Regulatory Restructuring: Enhancing Consumer Financial Products Regulation
Published: Jun 24 2009 Issue: Auto Financing, Car Title Loans, CFPB, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans
Kathleen Keest, Senior Policy Counsel at CRL, testified before the House Financial Services Committee on CRL's support for a strong, state-of-the-art consumer protection agency for financial...
- Six Principles for Real Reform: Balancing Bank Safety and Sensible Lending
Published: Jun 24 2009 Issue: Auto Financing, Car Title Loans, CFPB, Credit Cards, Mortgage Lending, Overdraft Loans
As Congress considers how to address improving consumer protection and regulation of our financial system going forward over the next several months, we offer six essential principles for achieving...