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
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.
- Analysis of OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices
February 3, 2005
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
July 27, 2000
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 home-equity lending market.