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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

Letters to Congress
September 4, 2019
Preserving and Strengthening Access to Stable, Affordable, and Equitable Homeownership Opportunities for All American Families
Research
July 8, 2019
A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy
Testimony
May 8, 2019
Testimony: A Review of the State of and Barriers to Minority Homeownership
Testimony
March 27, 2019
Testimony: Ensuring Access to Safe and Affordable Mortgage Loans for All Creditworthy Borrowers
Research
March 20, 2019
A Home is More Than a House
Comment Letter
November 20, 2018
Comments on Enterprise Capital Requirements FHFA RIN 2590-AA95
Comment Letter
November 19, 2018
Comment to the OCC in Strong Support for Effective Enforcement of the Community Reinvestment Act
Comment Letter
November 19, 2018
Comment: OCC Should Not Weaken Community Reinvestment Act
Testimony
September 6, 2018
Testimony: The GSEs and Ginnie Mae Provide Important Access to Mortgage Credit in Underserved Communities
Research
September 5, 2018
Lessons from the financial crisis: The central importance of a sustainable, affordable and inclusive housing market

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Mitria Spotser
Vice President & Federal Policy Director