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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- Briefing on the Mortgage Crisis and Its Impact on the Economy
October 22, 2008Ellen Harnick advocates for court-supervised loan modifications through the bankruptcy courts
- Government Did Not Require Reckless Lending
October 22, 2008Contains list of sources that discuss how Wall Street initiated most of the reckless lending and Washington failed to stop them
- Turmoil in the U.S. Credit Markets: The Genesis of the Current Economic Crisis
October 16, 2008Urges effective policies to maximize number of families who stay in their homes. Urges Treasury and Congress to support loan modifications
- CRA is not to Blame for the Mortgage Meltdown
October 3, 2008CRA has not forced lenders to make risky loans to low and moderate families and to communities of color. CRA has led to affordable, sustainable loans in underserved communities.
- Wealth-stripping payday loans trouble communities of color
October 2, 2008An examination of payday lending storefront locations in Maricopa and Pima Counties—in which over three-quarters of Arizona payday lenders are located—reveals a pattern of these stores clustering in communities of color.
- Bailout: Government's Power to Modify Loans Limited
September 24, 2008MBS holders have no right to control how the trust manages mortgages, limiting Government's power to modify loans
- Updated Projections of Subprime Foreclosures in the United States and Their Impact on Home Values and Communities
September 23, 2008Updated Projections of Subprime Foreclosures in the United States and Their Impact on Home Values and Communities
- The Problem with the Paulson Bailout Plan
September 23, 2008Appeal to consumers to urge Congress to support judicial loan modifications
- Judicial Modification of Loans Would Save 600,000 Homes: Purchase of Securities Will Save None
September 20, 2008Simply owning securities gives the government no right greater than they currently hold to help borrowers stay in their homes.
- Federal Ownership of Troubled Securities Alone Will Not Stop Foreclosures that Drag Down the Economy
September 20, 2008Allowing the Federal government to purchase illiquid mortgage-backed securities (MBS) will not work. Large-scale loan modifications —adjusting the terms of a loan to make it affordable—is the best solution to prevent more foreclosures
- HUD’s Proposed RESPA Rule
September 16, 2008CRL applauds HUD for looking at RESPA reform
- High-Cost Payday Lending Traps Arizona Borrowers
September 16, 2008CRL looks at payday lending in Arizona, where $149 million per year are stripped from working families in unfair payday lending fees.
- Comments: Proposed changes to HMDA reporting requirements
August 28, 2008CRL's comment on Fed's proposed changes to HMDA reporting requirements.
- Comment: Unfair or Deceptive Practices with Respect to Credit Cards
August 4, 2008Comments on Federal Reserve Board proposals regarding unfair and deceptive credit card practices, August 4, 2008.
- The Mortgage Crisis Today: How Far Have We Come and Where Do We Need to Go?
August 4, 2008Overview of subprime and alternative lending market with focus on California
- Comment: Proposed Rule Regarding Unfair or Deceptive Acts or Practices – Overdraft Practices
August 4, 2008Overdraft comment letter
- A Review of Mortgage Servicing Practices and Foreclosure Mitigation
July 25, 2008CRL urges action be taken to prevent further escalation of foreclosure crisis.
- Comments on proposed Regulation DD amendments re Overdraft Lending
July 18, 2008America, Consumers Union, and the National Consumer Law Center, provide the following comments regarding the Federal Reserve Board’s proposed rule to amend Regulation DD pursuant to the Truth in Savings Act (TISA).
- IndyMac: What Went Wrong: How an “Alt-A” Leader Fueled Its Growth With Unsound and Abusive Mortgage Lending
June 30, 2008A detailed analysis of the failure of IndyMac
- Analysis of HR 6076
June 27, 2008Explanation and endorsement of HR 6076: Home Retention and Economic Stabilization Act
