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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- Summary of National Mortgage Settlement
March 14, 2012
Forty-nine state attorneys generals and two government agencies have reached a $25 billion agreement with the nation's five largest mortgage servicers to address mortgage loan servicing and foreclosure abuses. Here we provide a quick-reference summary of the terms of this agreement.
- Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
January 18, 2012
Mandatory down payments on mortgages would put fairly-priced loans out of reach for millions of creditworthy families.
- Foreclosure Counseling: Areas of Greatest Need in 2011
December 1, 2011
Which areas of the U.S. have been hardest hit by the foreclosure crisis in 2011? Which areas have the greatest need for foreclosure counselors? This report analyzes 366 metropolitan and 577 micropolitan areas to help answer these questions.
- Facing the Foreclosure Crisis:
Four Urgent Needs to Address Now.
November 29, 2011
This policy brief is a companion piece to CRL's foreclosure research, "Lost Ground, 2011." Here we discuss practical policies that would help stop the foreclosure epidemic and restore confidence in the housing market.
- Disparities in Mortgage Lending and Foreclosures: Maps and Data
November 17, 2011
Click on a state to view foreclosures and serious delinquencies by state and metropolitan area. Also: see 8 charts that break the information down further by demographics and income.
- Lost Ground, 2011: Disparities in Mortgage Lending and Foreclosures
November 17, 2011
CRL's research shows we're not even halfway through the foreclosure crisis. "Lost Ground" covers the scope of the crisis, the impact by race and ethnicity, and foreclosures and serious delinquencies for states and metro areas.
- Coalition Urges Strong Servicing Settlement that Holds Banks Accountable
August 24, 2011
As state Attorneys General wrap up their robo-signing investigation, CRL joins Americans for Financial Reform in urging AGs to produce a strong settlement for homeowners that prevents unnecessary foreclosures and keeps the door open for more legal remedies in the future.
- QRM Comments: Mortgage Market of the Future can Produce Sensible Loans without High Down Payments
August 2, 2011
CRL offers comments to regulators on proposed risk retention rules, urging sensible rules that do not include mandated down payment requirements.
- New Poll: Broad Bipartisan Support for Financial Reform and Consumer Protections
July 19, 2011
A new poll reveals that American voters broadly support the 2010 Dodd-Frank Wall Street Reform law, by a 5 to 1 margin, and across all political parties.
- Enhanced Consumer Financial Protection After the Financial Crisis
July 19, 2011
Unsustainable lending pushed us into the financial crisis, and sustainable lending and responsible consumer financial services products are needed to restore and maintain economic health. An independent Consumer Financial Protection Bureau (CFPB), as enacted by the Dodd-Frank Act (DFA or Dodd-Frank), is critical to reestablishing these sustainable lending practices.