Research & Analysis
Back in 2001, we estimated that predatory mortgage lending cost consumers $9.1 billion every year. Since then, the market for subprime home loans surged, then exploded, and it has become painfully clear that the total cost of bad lending practices is almost incalculable. Still, we keep trying. In recent years our research has focused on topics such as trends in the subprime market, racial disparities in lending, and an assessment of predatory lending laws in the states. Visit us often to stay up-to-date on our latest findings, including periodic assessments of reports issued by lenders and regulatory agencies.
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- Civil Rights Groups to Federal Regulators: We Support Aligning Mortgage Rules and Oppose Down Payment Requirements
October 31, 2013
A host of civil rights and fair housing groups joined with CRL in submitting comments to federal financial regulators and HUD.
- CRL Testimony to Senate Banking Committee : Preserve What Works, Reform What Needs Change
October 29, 2013
In testimony before the Senate Committee on Banking, Housing, and Urban Affairs, Eric Stein, CRL Senior Vice-President, reminded lawmakers that consumer concerns must not be lost in proposed housing finance reforms.
- Fixing What Went Wrong and Building on What Works in Housing Finance
October 17, 2013
CRL proposes housing policy reforms for the GSEs.
- Civil Rights Leaders on Mortgages: Preserve Access and Low Down Payments
September 12, 2013
- Consumer Financial Protection Bureau Offers Four Paths to Qualified Mortgage Status
September 11, 2013
An overview of the Qualified Mortgage (QM) definition.
- Monitor Report: 643,000 Borrowers Received Over $51 billion in Benefits
September 6, 2013
AG Mortgage Settlement report shows 643,000 borrowers benefitted from AG settlement.
- 2013 Update: The Spillover Costs of Foreclosures
August 29, 2013
The harm caused by over 12.5 million foreclosures is the focus of this brief, the fifth in a series of updated on related findings.
- Government-Mandated Down Payment Standards Would Harm the Economy, Deny Homeownership to Credit-Worthy Families
August 15, 2013
Government mandated down payments would deny homeownership opportunities.
- Foreclosure Counseling: Areas of Greatest Need in 2013
July 31, 2013
Where foreclosures have hit the hardest and where the greatest need still remains in 2013 is the focus of this analysis on foreclosure counseling.
- CRL Testimony: Prioritize Safe and Affordable Mortgage Access
July 19, 2013
Michael Calhoun, CRL President, testified before a House Financial Services Committee hearing on housing finance reform and the future of homeownership.