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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- Evolution of an Economic Crisis? The Subprime Lending Disaster and the Threat to the Broader Economy
September 19, 2007
Martin Eakes testifies before Senate re Evolution of an Economic Crisis? The Subprime Lending Disaster and the Threat to the Broader Economy
- Federal Trade Commission Reauthorization
September 12, 2007
- Comment: Proposed Interagency Statement on Subprime Mortgage Lending
May 7, 2007
The Center for Responsible Lending submits the following comments on the proposed Interagency Statement on Subprime Mortgage Lending.
- Calhoun: Are Legislative Remedies to Limit Predatory Lending Really Remedies?
March 29, 2007
Mike Calhoun argues that legislative remedies to limit predatory lending have helped, but not solved the problem
- Subprime Lending is a Drain on Home Ownership
March 27, 2007
Subprime Lending leads to a decrease in homeownership
- Foreclosure, Predatory Mortgage and Payday Lending
March 21, 2007
Testimony discusses development of subprime market, inequities and foreclosures having a devastating effect in areas including urban areas with high concentrations of minorities
- Case Study in Subprime Hybrid ARM Refinance Outcomes
February 21, 2007
- Preserving the American Dream: Predatory Lending Practices and Home Foreclosures
February 7, 2007
Eakes discusses predatory lending and foreclosure crisis
- Comments on the North Carolina Commissioner of Banks' Proposed Guidance on Non-Traditional Mortgage Risks
February 7, 2007
Comments on the North Carolina Commissioner of Banks' Proposed Guidance on Non-Traditional Mortgage Risks
- Losing Ground: Foreclosures in the Subprime Market and Their Cost to Homeowners
December 19, 2006
Comprehensive, nationwide review of millions of subprime mortgages originated from 1998 through 3Q06. Report projected lifetime foreclosure rates for 2006-originated subprime loans in each MSA in the United States.