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 to the Federal Reserve Board on Proposed Regulations Under the Truth in Lending Act [Regulation Z; Docket No. R-1390]
Published: Dec 23 2010 Issue: Mortgage Lending
The National Consumer Law Center ("NCLC") respectfully submits the following comments on behalf of its low income clients, as well as Americans for Financial Reform, California Reinvestment...
- Implementing Mortgage Rules for Financial Reform: Recommendations for Defining "Qualified Residential Mortgages" and Formulating Lending and Servicing Standards
Published: Dec 21 2010 Issue: Mortgage Lending
Implementing the Dodd-Frank Wall Street Reform and Consumer Protection Act: Letter from CRL and allies with specific recommendations for mortgage and servicing standards, including how to define...
- Testimony on Regulatory Reforms to the Community Reinvestment Act
Published: Sep 9 2010 Issue: Mortgage Lending
Ellen Harnick testifies in a joint public hearing held in Atlanta, GA regarding regulatory reforms to the Community Reinvestment Act.
- Consumer Financial Protection Bureau--Overview of Key Provisions
Published: Sep 1 2010 Issue: Consumer Financial Protection Bureau, Mortgage Lending
Overview of CFPB describes its structure, funding, duties and how it will work with the states to enforce consumer protections.
- Eliminating Systematic Charges on Home Loans: Fed Rules on Yield Spread Premiums
Published: Aug 19 2010 Issue: Mortgage Lending
Fed issues final rules on yield spread premiums.