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Mitria Spotser ‌

Mitria Spotser

Vice President & Federal Policy Director; President, Julian Bond Institute

Mortgage Lending

Mitria Wilson-Spotser is vice president and federal policy director at the Center for Responsible Lending. She has previously served as director of housing policy at the Consumer Federation of America, senior director of advocacy and counsel at the Credit Union National Association, senior counsel on the House Financial Services Committee for Chairwoman Maxine Waters, director of legislative and policy advocacy at the National Community Reinvestment Coalition, director of government affairs for the DC Housing Finance Agency, and legislative director and acting committee director for the Committee on Economic Development for the Council of the District of Columbia.

After attending the University of Texas School of Law, Mitria served as a law clerk to both the Honorable Harold F. See, Senior Justice of the Supreme Court of Alabama and the Honorable Alan Baverman in the U.S. District Court for the Northern District of Georgia. Mitria attended the University of Alabama for her undergraduate education.

Research & Policy

Mitria Spotser Testimony at House Committee Hearing on Community Banking

Monday, February 3, 2025

Mitria Spotser Testimony at House Committee Hearing on Community Banking

Watch the recorded testimony of CRL VP Mitria Spotser before the U.S. House Committee on Financial Services in a hearing titled "Make Community Banking Great Again."
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Testimony
Consumer Finance

Maximizing Impact: How a Simple Administrative Policy Shift Could Expand Access to Homeownership for Potential Buyers Repaying Student Loans Under the SAVE Program

Wednesday, January 24, 2024

Maximizing Impact: How a Simple Administrative Policy Shift Could Expand Access to Homeownership for Potential Buyers Repaying Student Loans Under the SAVE Program

The Department of Education’s newly launched income-driven repayment (IDR) program, “Saving on a Valuable Education (SAVE),” represents a significant step forward in improving the affordability of federal student loan repayments for millions of borrowers. SAVE accomplishes that goal by basing repayment on a realistic estimate of a borrower’s discretionary income considering the borrower’s family size and reducing the amount of...
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Research
Mortgage Lending Student Loans

Testimony of Mitria Spotser on Preserving Consumer Protections While Modernizing Financial Services

Wednesday, October 25, 2023

Testimony of Mitria Spotser on Preserving Consumer Protections While Modernizing Financial Services

Watch the recorded testimony of Mitria Spotser before United States House of Representatives Committee on Financial Services on the importance of protecting consumers in an evolving marketplace.
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Testimony
Consumer Finance

Quick Take Video on Supreme Court Case that Imperils Financial System

Friday, September 29, 2023

Quick Take Video on Supreme Court Case that Imperils Financial System

In September, the Supreme Court heard oral arguments for a lawsuit that could abruptly and permanently close the Consumer Financial Protection Bureau – which would not only harm consumers and businesses but would also cause economic chaos.
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Policy & Legislation
Consumer Finance

Comment to CFPB on Abusive Acts and Practices

Monday, July 3, 2023

Comment to CFPB on Abusive Acts and Practices

The Consumer Financial Protection Bureau (CFPB) issued a Policy Statement on Abusive Acts and Practices and invited comments from the public. The Center for Responsible Lending applauds the CFPB for its efforts to further clarify abusive acts and practices. The Center further offers insights into how the statement may be strengthened to clarify the ways these acts take unreasonable advantage...
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Comment Letter
Consumer Finance Debt Collection & Settlement Mortgage Lending Overdraft Fees

Letter supporting FHFA Updates to Mortgage Pricing Framework and Opposing H.R. 3564

Tuesday, May 23, 2023

Letter supporting FHFA Updates to Mortgage Pricing Framework and Opposing H.R. 3564

This CRL letter to Congress expresses support for the Federal Housing Finance Agency (FHFA) updates to its mortgage pricing framework, including FHFA’s assessment on lenders of fees known as Loan Level Pricing Adjustments (LLPAs). The letter also urges Congress to reject H.R. 3564, the so-called Middle-Class Borrower Protection Act, a bill that would rescind FHFA’s recent updates.
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Letters to Congress
Mortgage Lending

News

Thursday, March 20, 2025

Trump’s Executive Order Dismantling Education Department Will Widen Inequality, Harm Students

Thursday, March 20, 2025

Trump signs executive order aimed at dismantling U.S. Department of Education

Wednesday, February 12, 2025

Center for Responsible Lending Launches Julian Bond Institute to Research Effective, Community-Focused Financial Services Solutions

Tuesday, February 4, 2025

CRL to Testify at House Committee Hearing on Community Banking

Saturday, February 1, 2025

New Leadership at CFPB but Mission Remains the Same: Protect Consumers

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