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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- Six Principles for Real Reform: Balancing Bank Safety and Sensible Lending
June 24, 2009
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 true regulatory reform.
- Comment: Proposed 2009 GSE Housing Goals
May 22, 2009
CRL's comments on proposed housing goals for Fannie Mae and Freddie Mac support incentives to modify distressed mortgages.
- Comments: Proposed changes to HMDA reporting requirements
August 28, 2008
CRL's comment on Fed's proposed changes to HMDA reporting requirements.
- Comment: RESPA Proposed Rule to Simplify and Improve the Process of Obtaining Mortgages to Reduce Consumer Settlement Costs
June 12, 2008
Comments of the Center for Responsible Lending on RESPA Proposed Rule to Simplify and Improve the Process of Obtaining Mortgages to Reduce Consumer Settlement Costs
- Comment: Proposed Rules Regarding Unfair, Deceptive, Abusiveprotect consumers from unfair or deceptive home mortgage lending and advertising practices
April 8, 2008
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.