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Testimony

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
August 21, 2007
Preserving the American Dream: Home Ownership and the Subprime Mortgage Crisis
July 11, 2007
Testimony--Overdraft Protection: Fair Practices for Consumers
June 27, 2007
Ending Mortgage Abuse: Safeguarding Homebuyers
June 14, 2007
Home Ownership and Equity Protection Act (HOEPA) Public Hearing
June 7, 2007
Improving Credit Card Consumer Protection: Recent Industry and Regulatory Initiatives
May 8, 2007
The Role of the Secondary Market in Subprime Mortgage Lending
March 26, 2007
Testimony: Paul Leonard to California Senate Banking 03/26/2007
March 21, 2007
Foreclosure, Predatory Mortgage and Payday Lending
February 7, 2007
Preserving the American Dream: Predatory Lending Practices and Home Foreclosures
September 20, 2006
Calculated Risk: Assessing Non-Traditional Mortgage Products
June 13, 2006
Home Mortgage Disclosure Act: Newly Collected Data and What It Means
June 27, 2005
The Price of Ownership: What the Home Mortgage Disclosure Act Reveals About Minorities and Lending
May 24, 2005
Legislative Solutions to Abusive Mortgage Lending Practices
May 24, 2005
Rule-Making to Permit Preemption of State Laws with Respect to the Interstate Activities of State Banks
April 13, 2005
The Federal Home Loan Bank System
March 29, 2005
Predatory Lending and its Impact on the Military and Local Communities
June 23, 2004
Promoting Homeownership by Ensuring Liquidity in the Subprime Mortgage Market
April 7, 2004
Review of the National Bank Preemption Rules
March 30, 2004
"Subprime Lending: Defining the Market and Its Customers"
November 5, 2003
Protecting Homeowners: Preventing Abusive Lending While Preserving Access to Credit

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