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]
December 23, 2010
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 Coalition, the Center for Responsible Lending, Consumer Action, Consumers Union, National Association of Consumer Advocates, National Community Reinvestment Coalition, National Fair Housing Alliance and the Neighborhood Economic Development Advocacy Project, regarding the Federal Reserve Board‘s proposals to revise numerous regulations under the Truth in Lending Act (―TILA‖) governing home-secured lending.
- Implementing Mortgage Rules for Financial Reform: Recommendations for Defining "Qualified Residential Mortgages" and Formulating Lending and Servicing Standards
December 21, 2010
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 "qualified residential mortgages."
- Testimony on Regulatory Reforms to the Community Reinvestment Act
September 9, 2010
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
September 1, 2010
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
August 19, 2010
Fed issues final rules on yield spread premiums.