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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- Comments on the North Carolina Commissioner of Banks' Proposed Guidance on Non-Traditional Mortgage Risks
February 7, 2007
Comments on the North Carolina Commissioner of Banks' Proposed Guidance on Non-Traditional Mortgage Risks
- CRL Comment on Federal Reserve Analysis of Home Mortgage Disclosure Act Data
October 9, 2006
Debbie Bocian's comment on the Fed's analysis of 2005 HMDA data.
- CRL Comment on OCC Working Paper #2006-1, "Foreclosures of Subprime Mortgages in Chicago"
September 15, 2006
CRL disputes the findings of an OCC study of subprime mortgage foreclosures in Chicago
- Comment: Home Ownership and Equity Protection Act Hearings
August 15, 2006
Public hearings on the home equity lending market and the adequacy of existing regulatory and legislative provisions in protecting the interests of consumers.
- Comment: Proposed Interagency Guidance on Nontraditional Mortgages
March 29, 2006
This letter highlights concerns with nontraditional mortgages in the subprime market.