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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- Consumer Financial Protection Agency: Myths versus Reality
August 13, 2009
- Current Trends in Foreclosure and What More Can Be Done To Prevent Them
July 28, 2009
In a hearing on "Current Trends in Foreclosure and What More Can Be Done to Prevent Them," CRL's Keith Ernst urged Congress to take several actions to address the flood of foreclosures and fix the broken mortgage market: Create the Consumer Financial Protection Agency; pass or encourage sensible lending rules in the future; ensure that current prevention efforts are as effective as possible; and lift the ban that now prohibits home loan modifications through the courts.
- Financial Reform that Protects Consumers
June 25, 2009
For years, federal bank regulators looked the other way; now Congress has a chance to reform our system of checks and balances, make banks accountable, and protect consumers from abusive financial products that caused our current economic crisis
- Six Principles for Real Reform: Balancing Bank Safety and Sensible Lending
June 24, 2009
As Congress considers how to address improving consumer protection and regulation of our financial system going forward over the next several months, we offer six essential principles for achieving true regulatory reform.
- Overview of the Obama Administration’s Proposed Consumer Financial Protection Agency
June 24, 2009
This summary focuses only on the consumer protection component of the Obama Administration’s Financial Regulatory Reform proposal.