Research & Analysis
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CRL conducts in-depth research on the extent and impact of predatory lending, to provide useful information to consumers, community advocates, and policymakers alike. We also share our market and legal knowledge with advocates and policymakers across the nation interested in reforming lending practices. Below you will find CRL research and analyses on a range of topics.
Want more information? Go to the Tools & Resources page, or check out our Resources for Consumers, Policymakers, Allies, and Litigators pages. A good external source for research on predatory lending and related issues is www.knowledgeplex.org
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- State-by-state analyses of subprime losses
February 21, 2008State-by-state analyses of subprime losses
- Voluntary Loan Modifications Fall Short
January 28, 2008Issues with Voluntary Loan Modifications
- HR 3609 - Compromise Bill Permitting Court-Supervised Loan Modifications Would Save 600,000 Homes
January 18, 2008Report urges court-supervised loan modifications
- Analysis of HR 3609 Compromise Bill
January 10, 2008Overview of HR 3609 - Summary of Compromise Bill: Permitting Judicial Modification of Home Loans as Alternative to Foreclosure
- S.2452: Home Ownership Preservation and Protection Act of 2007
December 18, 2007Overview of S.2452: Home Ownership Preservation and Protection Act of 2007
- Springing the Debt Trap
December 13, 2007CRL analysis of states that have tried to reform payday lending, finding that only the 36% rate cap has worked.
- Springing the Debt Trap-Exec Summary
December 13, 2007Executive summary of Springing the Debt Trap - outlines what reforms states have tried, documents that none have worked except for the 36% rate cap.
- CRL Critique of “Payday Holiday: How Households Fare After Payday Credit Bans” by Donald P. Morgan and Michael R. Strain
December 10, 2007A working paper by a staffer at the Fed Bank of NY is fundamentally flawed, offers no valid information, and is being used to justify policy that keeps low-wealth borrowers trapped in income-draining payday loans. The paper is not a Federal Reserve Bank report as a payday industry press release implies. Our critique exposes the fatal errors in the paper's methodology.
- Accelerating Loan Modifications, Improving Foreclosure Prevention and Enhancing Enforcement
December 6, 2007Mike Calhoun's testimony re Accelerating Loan Modifications, Improving Foreclosure Prevention and Enhancing Enforcement.
- The Looming Foreclosure Crisis: How To Help Families Save Their Homes
December 5, 2007Stein urges loan modifications to help help families save homes
- Constitutionality of Applying Bankruptcy Code Amendments to Existing Mortgages
November 17, 2007Analysis concludes that there is no constitutional impediment to applying to existing debts the Bankruptcy Code amendments proposed by the Emergency Home Ownership and Mortgage Equity Protection Act of 2007, HR 3609,1 and the Helping Families Save Their Homes in Bankruptcy Act of 2007, S 21362
- Subprime Spillover
November 13, 2007 - “Toxic Mortgages” under HR 3915: Virtual Immunity
November 5, 2007Facts about Payment Option ARMs
- Bans on Yield Spread Premiums and Steering
November 5, 2007 - Federal Preemption Favors Predatory Lending
November 2, 2007CRL is opposed to Federal preemption of state consumer protection laws as it is unnecessary and harmful to homeowners
- Assignee Liability
November 2, 2007CRL supports assignee liability and feels H.R. 3915 provides reasonable, common-sense provisions
- The Right of Rescission: The Minimum Remedy Needed to Make Wall Street Accountable for Buying Abusive Subprime Loans
November 2, 2007CRL supports right of rescission in H.R. 3915
- Common-Sense Solutions to the Subprime Foreclosure Crisis: Support H.R. 3915
November 2, 2007CRL proposes four policy recommendations that focus on removing obstacles that prevent systematic, sustainable loan modifications
- Eliminate the “Exit Tax” on Subprime Loans
November 2, 2007CRL speaks out against prepayment penalties
- Straightening Out the Mortgage Mess: How Can We Protect Home Ownership and Provide Relief to Consumers in Financial Distress – Part 2
October 30, 2007
