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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.
October 16, 2008
Turmoil in the U.S. Credit Markets: The Genesis of the Current Economic Crisis
September 16, 2008
HUD’s Proposed RESPA Rule
August 4, 2008
The Mortgage Crisis Today: How Far Have We Come and Where Do We Need to Go?
August 4, 2008
The Mortgage Crisis Today: How Far Have We Come and Where Do We Need to Go?
July 25, 2008
A Review of Mortgage Servicing Practices and Foreclosure Mitigation
May 22, 2008
RESPA and its Impact on Small Business
May 7, 2008
Ohio Payday Hearing
April 29, 2008
Improving Consumer Protections in Subprime Home Lending
April 16, 2008
H.R. 5679: The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008
April 10, 2008
Turmoil in U.S. Credit Markets: Examining Proposals to Mitigate Foreclosures and Restore Liquidity to the Mortgage Markets
March 5, 2008
Impact of and Reactions to Proposed Regulation Z Revisions
February 28, 2008
Consumer Protection in Financial Services: Subprime Lending
February 28, 2008
The Subprime Mortgage Crisis and America’s Veteran
December 6, 2007
Accelerating Loan Modifications, Improving Foreclosure Prevention and Enhancing Enforcement
December 5, 2007
The Looming Foreclosure Crisis: How To Help Families Save Their Homes
October 30, 2007
Straightening Out the Mortgage Mess: How Can We Protect Home Ownership and Provide Relief to Consumers in Financial Distress – Part 2
October 24, 2007
Legislative Proposals on Reforming Market Practices
September 25, 2007
Straightening Out the Mortgage Mess: How Can We Protect Home Ownership and Provide Relief to Consumers in Financial Distress
September 19, 2007
Evolution of an Economic Crisis? The Subprime Lending Disaster and the Threat to the Broader Economy
September 12, 2007
Federal Trade Commission Reauthorization

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