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Mortgage Lending News
Mar 20
Alluring Cash-out Refinance Offers Can Be Financial Trap for Homeowners
Mar 20
CRL Lauds HUD Restoration of “Discriminatory Effects” Rule for Fair Housing Enforcement
Feb 22
CRL Applauds Biden-Harris Administration for Cutting Price of Mortgage Insurance for New FHA Home Loans
Jan 20
HUD proposes revamp of fair housing rule

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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.

Read the Report

Mortgage Lending

Research & Policy

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
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
Testimony
June 29, 2022
Testimony: Mike Calhoun on Boom and Bust: Inequality, Homeownership, and the Long-Term Impacts of the Hot Housing Market
Policy & Legislation
April 18, 2022
Adjustments to Help the FHA Streamline Refinance Program Reach More Low-Wealth Families
Policy & Legislation
April 11, 2022
Adding Eligibility for First-Generation Homebuyers to the GSE Affordable Housing Programs

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Mitria Spotser
Vice President & Federal Policy Director