CRL Testimony
CRL's staff includes attorneys, researchers, and policy analysts in North Carolina, Washington DC, and California who study and report on predatory lending matters and monitor legislative and regulatory activity in state capitols and in the US Congress. CRL is frequently asked to testify on lending issues before Congress, federal regulators, state legislatures or other government entities. Below is a list of links to our written testimonies.
Testimony by Issue: Mortgage Lending | Payday Lending | Credit Cards | Overdraft
- Comment to the Federal Reserve on Notice by Capital One to Acquire ING Bank
September 20, 2011 - Testimony: Enhanced Consumer Financial Protection After the Financial Crisis
July 19, 2011 - Enhanced Consumer Financial Protection After the Financial Crisis
July 19, 2011 - Widespread Abuse by Mortgage Servicers Hurts Homeowners, Investors, Taxpayers, Economy
July 7, 2011 - Are There Government Barriers to the Housing Market Recovery?
February 16, 2011 - Robo-Signing, Chain of Title, Loss Mitigation and Other Issues in Mortgage Servicing
November 18, 2010 - HAMP, Servicer Abuses, and Foreclosure Prevention Strategies
October 27, 2010 - Testimony on Regulatory Reforms to the Community Reinvestment Act
September 9, 2010 - Foreclosures Continue: What Needs to Change in the Government's Response?
February 25, 2010 - Reckless Lending and Toxic Products Caused the Foreclosure Crisis
January 13, 2010 - The Private Sector and Government Response to the Mortgage Foreclosure Crisis
December 8, 2009 - Testimony: Michael Calhoun testifies on overdraft before the Senate
November 19, 2009 - The Overdraft Protection Act of 2009
October 29, 2009 - Michael Calhoun's Testimony on Perspectives on the Consumer Financial Protection Agency
September 30, 2009 - Current Trends in Foreclosure and What More Can Be Done To Prevent Them
July 28, 2009 - Regulatory Restructuring: Enhancing Consumer Financial Products Regulation
June 24, 2009 - Testimony of Kathleen Keest In Regards To HR 2309
May 12, 2009 - H.R. 2309, the Consumer Credit and Debt Protection Act
May 12, 2009The Subcommittee on Commerce, Trade, and Consumer Protection held a legislative hearing on H.R. 2309, the Consumer Credit and Debt Protection Act.
- H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009
April 23, 2009 - Examining the Making Home Affordable Program
March 19, 2009 - Mortgage Lending Reform: A Comprehensive Review of the American Mortgage System
March 11, 2009 - Promoting Bank Liquidity and Lending Through Deposit Insurance, The HOPE for Homeowners Program, And Other Enhancements
February 3, 2009 - Priorities for the Next Administration: Use of TARP Funds under EESA
January 13, 2009 - Helping Families Save Their Homes: The Role of Bankruptcy Law
November 19, 2008 - Oversight of the Emergency Economic Stabilization Act: Examining Financial Institution Use of Funding Under the Capital Purchase Program
November 13, 2008 - Briefing on the Mortgage Crisis and Its Impact on the Economy
October 22, 2008 - Turmoil in the U.S. Credit Markets: The Genesis of the Current Economic Crisis
October 16, 2008 - HUD’s Proposed RESPA Rule
September 16, 2008 - The Mortgage Crisis Today: How Far Have We Come and Where Do We Need to Go?
August 4, 2008 - A Review of Mortgage Servicing Practices and Foreclosure Mitigation
July 25, 2008 - RESPA and its Impact on Small Business
May 22, 2008 - Ohio Payday Hearing
May 7, 2008 - Improving Consumer Protections in Subprime Home Lending
April 29, 2008 - H.R. 5679: The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008
April 16, 2008 - Turmoil in U.S. Credit Markets: Examining Proposals to Mitigate Foreclosures and Restore Liquidity to the Mortgage Markets
April 10, 2008 - Impact of and Reactions to Proposed Regulation Z Revisions
March 5, 2008 - Consumer Protection in Financial Services: Subprime Lending
February 28, 2008 - The Subprime Mortgage Crisis and America’s Veteran
February 28, 2008 - Accelerating Loan Modifications, Improving Foreclosure Prevention and Enhancing Enforcement
December 6, 2007 - The Looming Foreclosure Crisis: How To Help Families Save Their Homes
December 5, 2007 - Straightening Out the Mortgage Mess: How Can We Protect Home Ownership and Provide Relief to Consumers in Financial Distress – Part 2
October 30, 2007 - Legislative Proposals on Reforming Market Practices
October 24, 2007 - Straightening Out the Mortgage Mess: How Can We Protect Home Ownership and Provide Relief to Consumers in Financial Distress
September 25, 2007 - Evolution of an Economic Crisis? The Subprime Lending Disaster and the Threat to the Broader Economy
September 19, 2007 - Federal Trade Commission Reauthorization
September 12, 2007 - Preserving the American Dream: Home Ownership and the Subprime Mortgage Crisis
August 21, 2007 - Testimony--Overdraft Protection: Fair Practices for Consumers
July 11, 2007 - Ending Mortgage Abuse: Safeguarding Homebuyers
June 27, 2007 - Home Ownership and Equity Protection Act (HOEPA) Public Hearing
June 14, 2007 - Improving Credit Card Consumer Protection: Recent Industry and Regulatory Initiatives
June 7, 2007 - The Role of the Secondary Market in Subprime Mortgage Lending
May 8, 2007 - Testimony: Paul Leonard to California Senate Banking 03/26/2007
March 26, 2007 - Foreclosure, Predatory Mortgage and Payday Lending
March 21, 2007 - Preserving the American Dream: Predatory Lending Practices and Home Foreclosures
February 7, 2007 - Calculated Risk: Assessing Non-Traditional Mortgage Products
September 20, 2006 - Home Mortgage Disclosure Act: Newly Collected Data and What It Means
June 13, 2006 - The Price of Ownership: What the Home Mortgage Disclosure Act Reveals About Minorities and Lending
June 27, 2005 - Rule-Making to Permit Preemption of State Laws with Respect to the Interstate Activities of State Banks
May 24, 2005 - Legislative Solutions to Abusive Mortgage Lending Practices
May 24, 2005 - The Federal Home Loan Bank System
April 13, 2005 - Predatory Lending and its Impact on the Military and Local Communities
March 29, 2005 - Promoting Homeownership by Ensuring Liquidity in the Subprime Mortgage Market
June 23, 2004 - Review of the National Bank Preemption Rules
April 7, 2004 - "Subprime Lending: Defining the Market and Its Customers"
March 30, 2004 - Protecting Homeowners: Preventing Abusive Lending While Preserving Access to Credit
November 5, 2003 - Predatory Mortgage Lending: The Problem, Impact, and Responses
July 26, 2001 - Public Hearings on Home Equity Lending
July 27, 2000 - Predatory Lending Practices
May 24, 2000
