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Mortgage Lending

Mortgage Lending

Home ownership has been the primary means for most American families to build and pass on inter-generational wealth. However, government-sanctioned racial discrimination in housing and mortgage finance markets robbed many families of this opportunity, and today’s racial homeownership gap is barely changed from the levels of more than 50 years ago. Closing the homeownership gap is essential to closing the racial wealth gap.  Additionally, predatory mortgage lending practices drained trillions in wealth from families, especially Black, Latino, low wealth and low-income Americans. CRL successfully advocated for the Dodd-Frank Wall Street Reform and Consumer Protection Act, which has made the mortgage market far safer for consumers. CRL is building on this progress by working to ensure that all credit-worthy borrowers have access to fair, affordable, and sustainable mortgages. And that policy makers and market participants develop solutions that are appropriate to respond to the scale of this housing crisis. 

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Analysis of HR 6076

Friday, June 27, 2008

Analysis of HR 6076

HR 6076: Home Retention and Economic Stabilization Act Why is H.R. 6076 needed? Approximately 20,000 subprime foreclosures are starting every week, and the situation is projected to get worse. The rate of foreclosures continues to accelerate, despite the efforts of programs like HOPE NOW, which encourage lenders and servicers to avoid unnecessary foreclosures by voluntarily modifying loan terms to make...
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Research
Mortgage Lending

Comment: RESPA Proposed Rule to Simplify and Improve the Process of Obtaining Mortgages to Reduce Consumer Settlement Costs

Thursday, June 12, 2008

Comment: RESPA Proposed Rule to Simplify and Improve the Process of Obtaining Mortgages to Reduce Consumer Settlement Costs

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Comment Letter
Mortgage Lending

Foreclosure rescue scams in Virginia create mortgages under equitable principles

Tuesday, May 27, 2008

Foreclosure rescue scams in Virginia create mortgages under equitable principles

Complaint
Mortgage Lending

RESPA and its Impact on Small Business

Thursday, May 22, 2008

RESPA and its Impact on Small Business

Committee: U.S. House of Representatives Committee on Small Business For questions about this testimony, contact Julia Gordon at julia.gordon@responsiblelending.org or (202) 349-1878.
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Testimony
Mortgage Lending

Protect States’ Rights to Prevent Foreclosures

Wednesday, May 7, 2008

Protect States’ Rights to Prevent Foreclosures

Research
Mortgage Lending

Improving Consumer Protections in Subprime Home Lending

Tuesday, April 29, 2008

Improving Consumer Protections in Subprime Home Lending

Committee: Senate Committee on Commerce, Science and Transportation Subcommittee on Interstate Commerce, Trade and Tourism
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Testimony
Mortgage Lending

A Snapshot of Subprime Lending in North Carolina / Foreclosures and Lost Wealth from Subprime Lending in North Carolina

Wednesday, April 23, 2008

A Snapshot of Subprime Lending in North Carolina / Foreclosures and Lost Wealth from Subprime Lending in North Carolina

Research
Mortgage Lending

H.R. 5679: The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008

Wednesday, April 16, 2008

H.R. 5679: The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008

Committee: U.S. House of Representatives Committee on Financial Services Subcommittee on Housing and Community Opportunity For questions about this testimony, contact Julia Gordon at julia.gordon@responsiblelending.org or (202) 349-1878.
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Testimony
Mortgage Lending

Turmoil in U.S. Credit Markets: Examining Proposals to Mitigate Foreclosures and Restore Liquidity to the Mortgage Markets

Thursday, April 10, 2008

Turmoil in U.S. Credit Markets: Examining Proposals to Mitigate Foreclosures and Restore Liquidity to the Mortgage Markets

Committee: U.S. Senate Committee on Banking, Housing and Urban Affairs
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Testimony
Mortgage Lending

Steered Wrong: Brokers, Borrowers, and Subprime Loans

Tuesday, April 8, 2008

Steered Wrong: Brokers, Borrowers, and Subprime Loans

"Steered Wrong" Executive Summary In recent years, a majority of subprime loans made in the United States have been originated by mortgage brokers, who can properly be characterized as the "engine" of the subprime market. The rapid growth of subprime lending was fueled by thousands of mortgage brokers across the country delivering billions of dollars of subprime loans to mortgage...
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Research
Mortgage Lending

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© 2024 Center for Responsible Lending. 
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Center for Responsible Lending 
302 West Main Street, 
Durham, NC 27701 
(919) 313-8500 

District of Columbia Office 
910 17th Street NW, Suite 800, 
Washington, DC 20006 
(202) 349-1850 

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1970 Broadway Suite 350, 
Oakland, CA 94612 
(510) 379-5500

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Building on Over 40 Years of Lending Experience

CRL’s expertise gives it trusted insight to evaluate the impact  of financial products and policies on the wealth and economic stability of Asian, Black, Latino, rural, women, military, low-wage, low-wealth, and early-career workers and communities.

CRL is an affiliate of Self-Help, one of the nation’s largest nonprofit community development financial institutions. Our work leverages the strength of partnerships with national and local consumer and civil rights organizations.

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