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
- Foreclosures by Race and Ethnicity: The Demographics of a Crisis
Published: Jun 18 2010 Issue: Mortgage Lending
Center for Responsible Lending report sheds light on the nation's foreclosure crisis by using government and industry data to estimate the number of foreclosures in recent years and their impact by...
- Why a Federal Consumer Protection Watchdog Matters to the States
Published: Apr 16 2010 Issue: Consumer Financial Protection Bureau
Financial companies are lobbying hard to strip states' rights to make and enforce consumer protection rules, but states must stay on the front lines of fighting predatory lending.
- Comments to the Federal Trade Commission on Mortgage Assistance Relief
Published: Mar 30 2010 Issue: Mortgage Lending
The need for mortgage relief continues to grow, but too often companies that promise mortgage assistance relief services (MARS) turn out to be scammers. CRL and its allies recently submitted...
- Consumer Financial Protection Agency (Additional Resources)
Published: Mar 1 2010 Issue: Consumer Financial Protection Bureau, Mortgage Lending
Financial Reform: Learn more about the CFPB/CFPA and other efforts to reform the financial system.
- To Prevent Foreclosures, Eliminate Penalty Tax On Mortgage Relief
Published: Feb 1 2010 Issue: Mortgage Lending
When homeowners are at risk of losing their home to foreclosure, the last thing they need is an extra tax bill. Congress needs to fix the 2007 Mortgage Forgiveness Debt Relief Act so that...
- The Private Sector and Government Response to the Mortgage Foreclosure Crisis
Published: Dec 8 2009 Issue: Mortgage Lending
Julia Gordon, CRL Sr. Policy Counsel, testifies before the House Financial Services Committee on why we need a stronger, multi-pronged approach to stopping the mortgage foreclosure epidemic
- End Predatory Pricing on Home Loans (Yield-Spread Premiums)
Published: Dec 7 2009 Issue: Mortgage Lending
The Federal Reserve is considering rules to restrict mortgage brokers and lenders from giving borrowers loans with higher interest rates than necessary and earning "yield-spread premium" kickbacks...
- Mortgage Repairs Lag Far Behind Foreclosures
Published: Dec 4 2009 Issue: Mortgage Lending
Mortgage companies have blocked sensible actions to stop foreclosures, promising to fix the problem themselves – but they’re not delivering. The latest MBA figures show that the proportion of...
- Brief Overview of the Consumer Financial Protection Agency
Published: Sep 15 2009 Issue: Consumer Financial Protection Bureau
A brief overview of how the Consumer Financial Protection Agency would ensure that banking is safe for all Americans.
- Consumer Financial Protection Agency: Myths versus Reality
Published: Aug 13 2009 Issue: Consumer Financial Protection Bureau