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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- Comment: Home Ownership and Equity Protection Act Hearings
Published: Aug 15 2006 Issue: Mortgage Lending
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
Published: Mar 29 2006 Issue: Mortgage Lending
This letter highlights concerns with nontraditional mortgages in the subprime market.
- Analysis of OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices
Published: Feb 3 2005 Issue: Mortgage Lending
CRL feels OCC’s guidance for national banks is no substitute for meaningful and effective legislative efforts at the state and federal level.
- Public Hearings on Home Equity Lending
Published: Jul 27 2000 Issue: Mortgage Lending
In 2000, the Federal Reserve Board invited consumers, consumer advocacy organizations, lenders and other interested parties to participate in public hearings on predatory practices in the...