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General Predatory Lending Archive
Briefs, Reports, & Press Releases
Land Installment Contracts
Limited English Proficiency (LEP)
Issue Briefs and Press Releases
Letters and Comments
Coalition letter to Rep. Green supporting a bill requiring the Federal Housing Finance Agency to include language preference on the Uniform Residential Loan Application, Oct. 22, 2019
Group letter to the Federal Housing Finance Agency (FHFA) supporting recent language access progress made at the agency, Apr. 18, 2019
Letter to FHFA regarding URLA and Language Access Implementation, Feb. 16, 2018
Comments on the Federal Housing Finance Agency’s Request for Input on Improving Language Access in Mortgage Origination and Servicing Submitted by Americans for Financial Reform’s Language Access Task Force, Jul. 31, 2017. Supplemental Comments , Sep. 1 2017
Group letter to the Federal Housing Finance Agency re Improving Language Access in Mortgage Lending and Servicing, Jul. 31, 2017. AFR Letter .
Other Resources
Comments
Coalition comments on Draft Best Practice Guidelines for Residential PACE Financing , August 18, 2016 || Press release
Comments to the CFPB regarding Truth in Lending Act – Regulation Z, Qualified Mortgage Rule, June 5, 2014
Comments to the CFPB regarding Mortgage Closing Process, February 7, 2014
Comments to the CFPB regarding Truth in Lending Act – Regulation Z: Loan Originator Compensation , Oct. 16, 2012
Comments to the Federal Trade Commission regarding Advance Notice of Proposed Rulemaking: Mortgage Acts and Practices Rulemaking, July 31, 2009
Comments of the NCLC and NACA Regarding Advance Notice of Proposed Rulemaking Relating to Unfair or Deceptive Acts or Practices, November 2007
Comments Regarding the Proposed Illustrations of Consumer Information for Subprime Mortgage Lending, October 2007
Comments to the Board of Governors of the Federal Reserve System regarding the Board’s Authority under HOEPA to Prohibit Unfair Acts or Practices in Connection with Mortgage Lending, August 2007
Comments to the Office of the Comptroller of the Currency to Federal Banking Regulators regarding Proposed Statement on Subprime Mortgage Lending, May 2007
Comments to Federal Bank Regulators on Proposed Illustrations Regarding Non-Traditional Mortgages, November 2006
Comments to the Federal Reserve Board regarding Home Equity Lending Market, August 2006
Comments to the federal banking regulators regarding nontraditional mortgages, March 2006
Comments to the Massachusetts Division of Banks regarding 209 CMR §§ 32.32, 34, 40: Predatory Home Loan Practices, March 2005
Comments on Community Reinvestment Act Regulations, April 2003
Comments to the Federal Reserve Board regarding Proposed Changes to HOEPA, March 2001
Comments to the FDIC on Predatory Mortgages, January 2001
Comments to the Federal Reserve Board on Its Authority to Expand Protections Against Predatory Lending and HOEPA, August 2000
Comments regarding the Advance Notice of Proposed Rulemaking re: whether and how OTS should amend its regulations under the Alternative Mortgage Transactions Parity Act, July 2000
Comments: NCLC’s Proposal for Predatory Mortgage Reform, February 2000
Comments to Senate Special Committee on Aging on Predatory Lending, April 1998
Letters
Group letter to CFPB re Public disclosure of new HMDA data points , Nov. 23, 2016
Letter to CFPB regarding mortgage disclosures through Know Before You Owe , Feb. 11, 2016
Memo to HUD urging them to reverse course on changes to the form/note mortgage, which were made without notice or comment opportunities , April 9, 2015
S. 3085 (Boxer/Menendez), The Responsible Homeowner Refinancing Act of 2012. Opposition to Corker Safe Harbor Amendment, Nov. 13, 2012
Letter by Coalition Opposing H.R. 3915, November 2007
Group Letter to Federal Reserve Board on HOEPA Authority, August 2007
Letter supporting the Homeownership Protection and Enhancement Act (“HOPE Act”) of 2007, July 2007
Group Letter Supporting Borrower’s Protection Act of 2007, June 25, 2007
Coalition Letter to House Financial Services Committee on Predatory Mortgage Lending, May 21, 2007 PDF 26KB
Letter to Banking Regulators regarding the Guidance on Nontraditional Mortgage Product Risk, February 2007
Letter to Senate Regarding Inclusion of Hybrid ARMs in Interagency Guidance on Non-Traditional Mortgages, February 2007
Letter in Support the “Preservation of Federalism in Banking Act”, July 2005
Letter to Chairman Oxley and Ranking Member Frank regarding predatory lending in the subprime mortgage market, February 2005
Letter to Chairman Oxley of House Financial Services Committee: Foreclosures Are Escalating, November 2003
Group letter to HUD General Counsel Richard Hauser regarding HUD’s Response to Yield Spread Litigation, July 2001
Testimony
Testimony before House Financial Services Committee regarding on Accelerating Loan Modifications, Improving Foreclosure Prevention, and Enhancing Enforcement, December 2007
Testimony by National Consumer Law Center and Consumer Federation of America Regarding Non-Traditional Mortgage Products, September 2006
Testimony of J. Robert Hunter before the House Committee on Financial Services Subcommittee regarding Title Insurance Cost and Competition, April 2006
Testimony of Margot Saunders to the Subcommittee on Housing and Community Opportunity and Subcommittee on Financial Institutions and Consumer Credit on Protecting Homeowners: Preventing Abusive Lending While Preserving Access to Credit, November 2003
Testimony to the Senate Committee on Banking, Housing and Urban Affairs re: the Increase in Predatory Lending and Appropriate Remedial Actions, July 2001
Testimony by Elizabeth Renuart re: Amendments to 209 CMR §§ 32.32, 42, 40 High Cost Mortgage Loan Provisions in Massachusetts, October 2000
Testimony of Margot Saunders re: The Increase in Predatory Lending and Appropriate Remedial Actions, May 2000
Testimony of Margot Saunders on Banking and Financial Services regarding the proposed The “Financial Institution Regulatory Streamlining Act of 1998″, July 1998
Testimony of Margot Saunders re: S. 1405 The “Financial Regulatory Relief and Economic Efficiency Act of 1997″, March 1998
Testimony of Margot Saunders re: H.R. 607 HOMEOWNERS INSURANCE PROTECTION ACT, March 1997
Testimony re: H.R. 1362 FINANCIAL INSTITUTIONS REGULATORY RELIEF ACT OF 1995, May 1995
Testimony of Margot Saunders and Kathleen Keest re: S. 650 ECONOMIC GROWTH AND REGULATORY PAPERWORK REDUCTION ACT, May 1995