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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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Comment: Proposed Rules Regarding Unfair, Deceptive, Abusiveprotect consumers from unfair or deceptive home mortgage lending and advertising practices

Tuesday, April 8, 2008

Comment: Proposed Rules Regarding Unfair, Deceptive, Abusiveprotect consumers from unfair or deceptive home mortgage lending and advertising practices

More
Comment Letter
Mortgage Lending

HB 2423 Regulate Mortgage Servicers

Tuesday, April 1, 2008

HB 2423 Regulate Mortgage Servicers

Full Session Law (pdf) Bill Summary (pdf) This legislation requires mortgage loan servicers doing business in North Carolina to be licensed and imposes new standards on their loan collection activities, providing more protection for North Carolina homeowners. This bill adds mortgage servicing regulation to the regulation of mortgage bankers and mortgage brokers. New duties for mortgage servicers include: Safeguarding and...
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Bill Law
Mortgage Lending

Subprime Spillover: Foreclosures Cost North Carolina Neighbors $861 Million

Tuesday, March 25, 2008

Subprime Spillover: Foreclosures Cost North Carolina Neighbors $861 Million

In this report, we estimate how many homes—including families who are paying their mortgage on time—will suffer a decline in property values because of foreclosures in their neighborhoods. We also estimate how much the average family will lose in home equity, and how much of an impact the foreclosure crisis will have on city and county coffers.
More
Research
Mortgage Lending

Court-supervised modifications would make large-scale foreclosure prevention possible

Friday, March 7, 2008

Court-supervised modifications would make large-scale foreclosure prevention possible

Research
Mortgage Lending

Lenders cannot make loans in Washington, D.C. without considering borrowers' ability to repay

Wednesday, March 5, 2008

Lenders cannot make loans in Washington, D.C. without considering borrowers' ability to repay

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Complaint
Mortgage Lending

Impact of and Reactions to Proposed Regulation Z Revisions

Wednesday, March 5, 2008

Impact of and Reactions to Proposed Regulation Z Revisions

Committee: California State Senate Banking, Finance & Insurance Committee
More
Testimony
Mortgage Lending

The Subprime Mortgage Crisis and America’s Veteran

Thursday, February 28, 2008

The Subprime Mortgage Crisis and America’s Veteran

Committee: U.S. House Committee on Veterans' Affairs Subcommittee on Economic Opportunity
More
Testimony
Mortgage Lending

Consumer Protection in Financial Services: Subprime Lending

Thursday, February 28, 2008

Consumer Protection in Financial Services: Subprime Lending

Committee: Financial Services and General Government Subcommittee of the U.S. House Appropriations Committee
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Testimony
Mortgage Lending

S 2636 Foreclosure Prevention Act of 2008

Wednesday, February 27, 2008

S 2636 Foreclosure Prevention Act of 2008

Research
Mortgage Lending

Comment: Implementation of Military Lending Amendment

Tuesday, February 26, 2008

Comment: Implementation of Military Lending Amendment

More
Comment Letter
Mortgage Lending Overdraft Fees

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© 2024 Center for Responsible Lending. 
All rights reserved. 

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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