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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- CRL Comment on Federal Reserve Analysis of Home Mortgage Disclosure Act Data
October 9, 2006
Debbie Bocian's comment on the Fed's analysis of 2005 HMDA data.
- Calculated Risk: Assessing Non-Traditional Mortgage Products
September 20, 2006
Calhoun urges federal regulators to require subprime lenders to evaluate borrower’s ability to repay before making a mortgage loan, and also by strengthening enforcement against unscrupulous lenders
- CRL Comment on OCC Working Paper #2006-1, "Foreclosures of Subprime Mortgages in Chicago"
September 15, 2006
CRL disputes the findings of an OCC study of subprime mortgage foreclosures in Chicago
- Comment: Home Ownership and Equity Protection Act Hearings
August 15, 2006
Public hearings on the home equity lending market and the adequacy of existing regulatory and legislative provisions in protecting the interests of consumers.
- Home Mortgage Disclosure Act: Newly Collected Data and What It Means
June 13, 2006
Ernst proposes ways to strengthen the Home Mortgage Disclosure Act (HMDA)
- Unfair Lending: The Effect of Race and Ethnicity on the Price of Subprime Mortgages
May 31, 2006
Reports that African American and Latino buyers more likely then Whites to get subprime loans with same credit scores
- Comment: Proposed Interagency Guidance on Nontraditional Mortgages
March 29, 2006
This letter highlights concerns with nontraditional mortgages in the subprime market.
- Brief: Owners, Lenders Flourish Under State Anti-Predatory Lending Laws
March 1, 2006
“The Best Value in the Subprime Market: State Predatory Lending Reforms” shows that state laws are working well for credit-strapped families in the subprime market and for responsible lenders.
- The Costs of Subprime Prepayment Penalties: A Response to "Call Protection in Mortgage Contracts"
March 1, 2006
CRL disputes the findings of Michael LaCour-Little's paper and points out 3 significant shortcomings
- The Best Value in the Subprime Market: State Predatory Lending Reforms
February 23, 2006