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.
Browse Mortgage Research & Analysis
- Comment on Federal Reserve Analysis of Home Mortgage Disclosure Act Data
Published: Sep 14 2005 Issue: Mortgage Lending
Overview and comments pertaining to Fed Reserve's analysis of HMDA data
- Strong Compliance Systems Support Profitable Lending While Reducing Predatory Practices
Published: Jul 26 2005 Issue: Mortgage Lending
Report concludes that automated compliance technologies are economical and serve to decrease predatory lending and the incidence of foreclosures.
- Response to NHEMA's "Analysis of 1st Quarter 2004 Mortgage Lending in New Jersey and Pennsylvania"
Published: Jul 18 2005 Issue: Mortgage Lending
Report finds serious flaws in research done by NHEMA which looked at mortgage lending in NJ and PA
- The Price of Ownership: What the Home Mortgage Disclosure Act Reveals About Minorities and Lending
Published: Jun 27 2005 Issue: Mortgage Lending
Ernst urges reform of Home Mortgage Disclosure Act (HMDA)
- Legislative Solutions to Abusive Mortgage Lending Practices
Published: May 24 2005 Issue: Mortgage Lending
Eakes urges reform of the subprime mortgage market
- Rule-Making to Permit Preemption of State Laws with Respect to the Interstate Activities of State Banks
Published: May 24 2005 Issue: Payday Loans
Testimony states that authorizing state banks to disregard banking laws of sister-states is a problem of constitutional magnitude that would deprive state assemblies of an essential regulatory role
- The Federal Home Loan Bank System
Published: Apr 13 2005 Issue: Mortgage Lending
Eakes lauds FHLBs and makes suggestions for improvement
- Predatory Lending and its Impact on the Military and Local Communities
Published: Mar 29 2005 Issue: Mortgage Lending
Makes correlation between predatory/payday lending and the impact on the military and local communities
- Analysis of OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices
Published: Feb 3 2005 Issue: Mortgage Lending
CRL feels OCC’s guidance for national banks is no substitute for meaningful and effective legislative efforts at the state and federal level.
- Prepayment Penalties Convey No Interest Rate Benefits on Subprime Mortgages
Published: Jan 13 2005 Issue: Mortgage Lending
Report concludes that prepayment penalties are more frequent with subprime loans and that there is no interest rate benefit when a prepayment penalty is included.