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Mortgage Lending News
May 10
FHFA drops debt-to-income based pricing adjustment
May 03
Why Republicans Are Upset About Mortgage Fees
May 01
Leading Civil Rights and Housing Groups Support FHFA’s Critical Updates to the Mortgage Pricing Framework
Apr 20
Morning Money: In Defense of CDFI Changes

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Information for Consumers
State of Lending in America
The report outlines predatory lending practices in various fields of consumer lending, and explains why protecting fair, affordable access to credit is vital for both consumers and the U.S. economy.

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Mortgage Lending

Research & Policy

Comment Letter
April 24, 2023
Comment in Support of Strengthening the Department of Housing and Urban Development (HUD) Proposed Rule on Affirmatively Furthering Fair Housing
Research
March 20, 2023
Cash-Out Refinancing: The Pitfalls of Cash-Out Refinancing in a Rising Interest Rate Environment
Testimony
December 14, 2022
Testimony: Mitria Spotser on the VA Housing Loan Forever Act of 2022
Letters to Congress
December 12, 2022
Veterans Affairs Loan Refund Program
Comment Letter
December 5, 2022
Coalition Applauds CDFI Fund’s Focus on Community Development
Comment Letter
December 5, 2022
Comment: CRL and Self-Help Support the CDFI Fund’s Adoption of Meaningful Consumer Protections in CDFI Certification Application
Research
November 28, 2022
Payment Supplement: A Loss Mitigation Option to Provide Payment Relief for FHA Loans in a High Interest Rate Environment
Comment Letter
November 28, 2022
CFPB Should Update Mortgage Regulations to Reduce Unnecessary Foreclosures and Reduce the Racial Wealth Gap
Comment Letter
August 5, 2022
Comment on the Community Reinvestment Act, Notice of Proposed Rulemaking
Policy & Legislation
July 1, 2022
Adjusting the COVID-19 Flex Mod to Deliver Payment Reduction to More Borrowers in Need

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Mitria Spotser
Vice President & Federal Policy Director