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ROCHELLE SPARKO
Rochelle Sparko is an attorney with 15 years of experience. Her career has included representing individual clients in administrative proceedings, bankruptcy court and civil litigation at the Legal Aid Society of Hawaii, and the North Carolina Justice Center. Rochelle comes to CRL after six years directing the policy work of the Carolina Farm Stewardship Association, where her NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRES The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategyASHLEY HARRINGTON
Ashley Harrington is the Federal Advocacy Director and a Senior Counsel at the Center for Responsible Lending (CRL). Ashley’s portfolio includes general consumer lending issues, with a particular focus on student debt and small business. Ashley recently returned to CRL from a brief project at UNCF (the United Negro College Fund). At UNCF, Ashley served as the director of the HOW OVERDRAFT FEES HARM CONSUMERS AND DISCOURAGE An analysis of recently available data confirms that financial institutions continue to engage in abusive overdraft practices and that reform is urgently needed. This issue brief highlights five key concerns: Overdraft fees remain an enormous drain on checking account customers. Using newly available call report data as the starting point, we estimate that consumers pay nearly A CRITICAL FIRST STEP BY THE BIDEN ADMINISTRATION TOWARD WASHINGTON DC - This afternoon, President Joe Biden outlined an agenda and signed executive actions to move forward on several important fronts toward racial equity, including a measure directing the Department of Housing and Urban Development to reassess a Trump Administration rule that hindered a plaintiff’s ability to prove housing discrimination. FAIR AND EQUAL ACCESS TO CREDIT MUST INCLUDE PUERTO RICO WASHINGTON, D.C. - A recent resolution reached between the Consumer Financial Protection Bureau (CFPB) and American Express will cure the harms previously caused to consumers residing in Puerto Rico, the U.S. Virgin Islands and other U.S. territories. Under the agreement, American Express agreed to compensate consumers who were harmed by unequal and inferior credit card terms NEW OVERDRAFT REPORT URGES CONGRESS, REGULATORS, BANKS TO Banks collected more than $11.68 billion in 2019 through abusive overdraft practices that drain consumers’ checking accounts Congress, Regulators, and Banks all have the responsibility and power to ease burden on consumers WASHINGTON, D.C. – A new report released today by the Center for Responsible Lending (CRL) finds that in 2019 banks collected more than $11.68 billion in OVERDRAFT FEES: BANKS MUST STOP GOUGING CONSUMERS DURING A review of 2019 data shows that big banks continue to collect over $11 billion in overdraft related fees each year. Banks engage in a number of abusive practices that combine to drain massive sums from their customers’ checking accounts. The large majority of these fees are shouldered by banks’ most vulnerable customers, often driving them out of the banking system STAFF | CENTER FOR RESPONSIBLE LENDING Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006 THE PAYCHECK PROTECTION PROGRAM CONTINUES TO BE The Paycheck Protection Program (PPP) is a revenue replacement program designed to sustain small business jobs during the ongoing public health and economic crisis. The effect of the crisis on small businesses has been profound—over half of small businesses said the crisis has had a large negative effect on their businesses and 74% of small businesses said they have had aROCHELLE SPARKO
Rochelle Sparko is an attorney with 15 years of experience. Her career has included representing individual clients in administrative proceedings, bankruptcy court and civil litigation at the Legal Aid Society of Hawaii, and the North Carolina Justice Center. Rochelle comes to CRL after six years directing the policy work of the Carolina Farm Stewardship Association, where her NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRES The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategyASHLEY HARRINGTON
Ashley Harrington is the Federal Advocacy Director and a Senior Counsel at the Center for Responsible Lending (CRL). Ashley’s portfolio includes general consumer lending issues, with a particular focus on student debt and small business. Ashley recently returned to CRL from a brief project at UNCF (the United Negro College Fund). At UNCF, Ashley served as the director of the HOW OVERDRAFT FEES HARM CONSUMERS AND DISCOURAGE An analysis of recently available data confirms that financial institutions continue to engage in abusive overdraft practices and that reform is urgently needed. This issue brief highlights five key concerns: Overdraft fees remain an enormous drain on checking account customers. Using newly available call report data as the starting point, we estimate that consumers pay nearly A CRITICAL FIRST STEP BY THE BIDEN ADMINISTRATION TOWARD WASHINGTON DC - This afternoon, President Joe Biden outlined an agenda and signed executive actions to move forward on several important fronts toward racial equity, including a measure directing the Department of Housing and Urban Development to reassess a Trump Administration rule that hindered a plaintiff’s ability to prove housing discrimination. FAIR AND EQUAL ACCESS TO CREDIT MUST INCLUDE PUERTO RICO WASHINGTON, D.C. - A recent resolution reached between the Consumer Financial Protection Bureau (CFPB) and American Express will cure the harms previously caused to consumers residing in Puerto Rico, the U.S. Virgin Islands and other U.S. territories. Under the agreement, American Express agreed to compensate consumers who were harmed by unequal and inferior credit card termsPOLICY ANALYSIS
Policy Analysis. Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending. Type. - Any - Consumer Finance Small Business Auto Loans Credit & Prepaid Cards Debt Collection & Settlement Mortgage Lending Overdraft Loans Student Loans Payday and Other SmallDollar
CAREERS | CENTER FOR RESPONSIBLE LENDING CRL is a nonprofit, nonpartisan research and policy organization that promotes responsible lending practices and access to fair terms of credit for low-wealth families. CRL was created in 2002 to protect homeownership and family wealth by working to eliminate predatorylending and
NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRES The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategyASHLEY HARRINGTON
Ashley Harrington is the Federal Advocacy Director and a Senior Counsel at the Center for Responsible Lending (CRL). Ashley’s portfolio includes general consumer lending issues, with a particular focus on student debt and small business. Ashley recently returned to CRL from a brief project at UNCF (the United Negro College Fund). At UNCF, Ashley served as the director of the COALITION URGES CONGRESS TO PROTECT FAMILIES FROM At “time of national crisis,” immediate adoption of bold financial protection and relief measures is needed in stimulus package WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) joined with 26 national civil rights, consumer, housing and labor groups, and 35 state groups in sending a letter to Congress with specific financial services policy proposals that HOW OVERDRAFT FEES HARM CONSUMERS AND DISCOURAGE An analysis of recently available data confirms that financial institutions continue to engage in abusive overdraft practices and that reform is urgently needed. This issue brief highlights five key concerns: Overdraft fees remain an enormous drain on checking account customers. Using newly available call report data as the starting point, we estimate that consumers pay nearly A CRITICAL FIRST STEP BY THE BIDEN ADMINISTRATION TOWARD WASHINGTON DC - This afternoon, President Joe Biden outlined an agenda and signed executive actions to move forward on several important fronts toward racial equity, including a measure directing the Department of Housing and Urban Development to reassess a Trump Administration rule that hindered a plaintiff’s ability to prove housing discrimination. COURT SYSTEM OVERLOAD: THE STATE OF DEBT COLLECTION IN Over the past 50 years, wage stagnation, as well as already high and rising housing, health care, and education costs have dramatically increased debt loads for the average family. Moreover, recovery from the Great Recession has been uneven. Data show that families of color, Americans born after 1970, and households earning less than $60,000 annually are the least likely toLESLIE NIXON
Leslie Nixon is an associate on our Finance & Operations Team. Before joining CRL Leslie obtained her B.S. in communications from East Carolina University and has worked at both Columbia University in New York City and Transitions LifeCare in Raleigh, NC. Leslie has worked on a number of projects including helping her organization secure the Carolina Hurricanes $250,000 THE MILITARY LENDING ACT OF 2006 2006 Center for Responsible Lending www.responsiblelending.org The Military Lending Act of 2006 Provisions and limitations of the 36% APRcap
OVERDRAFT FEES: BANKS MUST STOP GOUGING CONSUMERS DURING A review of 2019 data shows that big banks continue to collect over $11 billion in overdraft related fees each year. Banks engage in a number of abusive practices that combine to drain massive sums from their customers’ checking accounts. The large majority of these fees are shouldered by banks’ most vulnerable customers, often driving them out of the banking system STAFF | CENTER FOR RESPONSIBLE LENDING Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006 COALITION URGES CONGRESS TO PROTECT FAMILIES FROM At “time of national crisis,” immediate adoption of bold financial protection and relief measures is needed in stimulus package WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) joined with 26 national civil rights, consumer, housing and labor groups, and 35 state groups in sending a letter to Congress with specific financial services policy proposals thatROCHELLE SPARKO
Rochelle Sparko is an attorney with 15 years of experience. Her career has included representing individual clients in administrative proceedings, bankruptcy court and civil litigation at the Legal Aid Society of Hawaii, and the North Carolina Justice Center. Rochelle comes to CRL after six years directing the policy work of the Carolina Farm Stewardship Association, where herASHLEY HARRINGTON
Ashley Harrington is the Federal Advocacy Director and a Senior Counsel at the Center for Responsible Lending (CRL). Ashley’s portfolio includes general consumer lending issues, with a particular focus on student debt and small business. Ashley recently returned to CRL from a brief project at UNCF (the United Negro College Fund). At UNCF, Ashley served as the director of the NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRES The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategy NEW REPORT SHOWS SAVING FOR MORTGAGE DOWN PAYMENT IS A Data reflects dire need for down payment assistance and student debt relief that would help support path to homeownership WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released a new report “Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs.” The report calculates how long it would take for a typical renter household FAIR AND EQUAL ACCESS TO CREDIT MUST INCLUDE PUERTO RICO WASHINGTON, D.C. - A recent resolution reached between the Consumer Financial Protection Bureau (CFPB) and American Express will cure the harms previously caused to consumers residing in Puerto Rico, the U.S. Virgin Islands and other U.S. territories. Under the agreement, American Express agreed to compensate consumers who were harmed by unequal and inferior credit card terms CALIFORNIA HOMEOWNERS’ BILL OF RIGHTS (HOBR) California Homeowners’ Bill of Rights (HOBR) The CaliforniaForeclosure Reduction Act – SB 900 (Leno, Corbett, DeSaulnier, Evans, Pavley, Steinberg) & AB 278 (Eng, Feuer, Mitchell) extends key protections of the National Mortgage Settlement to all mortgage servicers for owner-occupant borrowers at risk offoreclosure.
THE MILITARY LENDING ACT OF 2006 2006 Center for Responsible Lending www.responsiblelending.org The Military Lending Act of 2006 Provisions and limitations of the 36% APRcap
OVERDRAFT FEES: BANKS MUST STOP GOUGING CONSUMERS DURING A review of 2019 data shows that big banks continue to collect over $11 billion in overdraft related fees each year. Banks engage in a number of abusive practices that combine to drain massive sums from their customers’ checking accounts. The large majority of these fees are shouldered by banks’ most vulnerable customers, often driving them out of the banking system STAFF | CENTER FOR RESPONSIBLE LENDING Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006 COALITION URGES CONGRESS TO PROTECT FAMILIES FROM At “time of national crisis,” immediate adoption of bold financial protection and relief measures is needed in stimulus package WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) joined with 26 national civil rights, consumer, housing and labor groups, and 35 state groups in sending a letter to Congress with specific financial services policy proposals thatROCHELLE SPARKO
Rochelle Sparko is an attorney with 15 years of experience. Her career has included representing individual clients in administrative proceedings, bankruptcy court and civil litigation at the Legal Aid Society of Hawaii, and the North Carolina Justice Center. Rochelle comes to CRL after six years directing the policy work of the Carolina Farm Stewardship Association, where herASHLEY HARRINGTON
Ashley Harrington is the Federal Advocacy Director and a Senior Counsel at the Center for Responsible Lending (CRL). Ashley’s portfolio includes general consumer lending issues, with a particular focus on student debt and small business. Ashley recently returned to CRL from a brief project at UNCF (the United Negro College Fund). At UNCF, Ashley served as the director of the NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRES The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategy NEW REPORT SHOWS SAVING FOR MORTGAGE DOWN PAYMENT IS A Data reflects dire need for down payment assistance and student debt relief that would help support path to homeownership WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released a new report “Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs.” The report calculates how long it would take for a typical renter household FAIR AND EQUAL ACCESS TO CREDIT MUST INCLUDE PUERTO RICO WASHINGTON, D.C. - A recent resolution reached between the Consumer Financial Protection Bureau (CFPB) and American Express will cure the harms previously caused to consumers residing in Puerto Rico, the U.S. Virgin Islands and other U.S. territories. Under the agreement, American Express agreed to compensate consumers who were harmed by unequal and inferior credit card terms CALIFORNIA HOMEOWNERS’ BILL OF RIGHTS (HOBR) California Homeowners’ Bill of Rights (HOBR) The CaliforniaForeclosure Reduction Act – SB 900 (Leno, Corbett, DeSaulnier, Evans, Pavley, Steinberg) & AB 278 (Eng, Feuer, Mitchell) extends key protections of the National Mortgage Settlement to all mortgage servicers for owner-occupant borrowers at risk offoreclosure.
THE MILITARY LENDING ACT OF 2006 2006 Center for Responsible Lending www.responsiblelending.org The Military Lending Act of 2006 Provisions and limitations of the 36% APRcap
POLICY ANALYSIS
Policy Analysis. Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending. Type. - Any - Consumer Finance Small Business Auto Loans Credit & Prepaid Cards Debt Collection & Settlement Mortgage Lending Overdraft Loans Student Loans Payday and Other SmallDollar
OVERDRAFT LOANS
Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006FAITH & CREDIT
Clergy and faith leaders have long been powerful voices against abusive lending, and Faith & Credit, CRL's Faith-Based Program, works to amplify these voices through research and policy, campaign support, and religious reflection. For people of faith, responsible lending is a moral concern. Religious texts warn against usury – the practice of charging excessive or unjust THE PAYCHECK PROTECTION PROGRAM CONTINUES TO BE The Paycheck Protection Program (PPP) is a revenue replacement program designed to sustain small business jobs during the ongoing public health and economic crisis. The effect of the crisis on small businesses has been profound—over half of small businesses said the crisis has had a large negative effect on their businesses and 74% of small businesses said they have had a CAREERS | CENTER FOR RESPONSIBLE LENDING Do you have a passion for building stronger communities and making a difference in peoples' lives? The next step in your career may be at the Center for Responsible Lending (CRL). CRL is a nonprofit, nonpartisan research and policy organization that promotes responsible lending practices and access to fair terms of credit for low-wealthfamilies.
NEW REPORT SHOWS SAVING FOR MORTGAGE DOWN PAYMENT IS A Data reflects dire need for down payment assistance and student debt relief that would help support path to homeownership WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released a new report “Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs.” The report calculates how long it would take for a typical renter household NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRES The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategy HOW OVERDRAFT FEES HARM CONSUMERS AND DISCOURAGE An analysis of recently available data confirms that financial institutions continue to engage in abusive overdraft practices and that reform is urgently needed. This issue brief highlights five key concerns: Overdraft fees remain an enormous drain on checking account customers. Using newly available call report data as the starting point, we estimate that consumers pay nearly PREDATORY CREDIT CARD LENDING: UNSAFE, UNSOUND FOR What hurts consumers financially also hurts business Watch report author and CRL Senior Researcher Josh Frank discuss the report findings. Read the full report >> Read the executive summary >> CRL research shows losses on credit cards in the current downturn rose faster at banks using unfair, deceptive practices. High-cost penalty fees and interest rates didn't mitigate CALIFORNIA HOMEOWNERS’ BILL OF RIGHTS (HOBR) California Homeowners’ Bill of Rights (HOBR) The CaliforniaForeclosure Reduction Act – SB 900 (Leno, Corbett, DeSaulnier, Evans, Pavley, Steinberg) & AB 278 (Eng, Feuer, Mitchell) extends key protections of the National Mortgage Settlement to all mortgage servicers for owner-occupant borrowers at risk offoreclosure.
POLICY ANALYSIS
Policy Analysis. Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending. Type. - Any - Consumer Finance Small Business Auto Loans Credit & Prepaid Cards Debt Collection & Settlement Mortgage Lending Overdraft Loans Student Loans Payday and Other SmallDollar
FINANCIAL FAIRNESS FOR ALL Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006 NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRESGSE PATCH EXPIRATIONGSE PATCH EXTENSIONCFPB GSE PATCHGSE PATCH DTITEMPORARY GSEPATCH
The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategy HOW NOT TO BORROW MONEY Center for Responsible Lending. 302 West Main Street, Durham, NC 27701. (919) 313-8500. District of Columbia Office. 910 17th Street NW, Suite 800, Washington, DC NEW REPORT SHOWS SAVING FOR MORTGAGE DOWN PAYMENT IS A Data reflects dire need for down payment assistance and student debt relief that would help support path to homeownership WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released a new report “Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs.” The report calculates how long it would take for a typical renter household CONSUMER ADVOCATES JOIN FIGHT TO PROTECT CFPB IN COURT National Consumer Advocacy Groups File Motion to Intervene with DC Circuit and Maintain CFPB's Constitutional Authority to Protect Americans from Wall Street Greed Today in a joint effort, advocate groups including Americans for Financial Reform (AFR), Center for Responsible Lending (CRL), Self-Help Credit Union (SHCU), The Leadership Conference on Civil and Human Rights, U.S. FAIR AND EQUAL ACCESS TO CREDIT MUST INCLUDE PUERTO RICO WASHINGTON, D.C. - A recent resolution reached between the Consumer Financial Protection Bureau (CFPB) and American Express will cure the harms previously caused to consumers residing in Puerto Rico, the U.S. Virgin Islands and other U.S. territories. Under the agreement, American Express agreed to compensate consumers who were harmed by unequal and inferior credit card terms HOW OVERDRAFT FEES HARM CONSUMERS AND DISCOURAGE An analysis of recently available data confirms that financial institutions continue to engage in abusive overdraft practices and that reform is urgently needed. This issue brief highlights five key concerns: Overdraft fees remain an enormous drain on checking account customers. Using newly available call report data as the starting point, we estimate that consumers pay nearly A CRITICAL FIRST STEP BY THE BIDEN ADMINISTRATION TOWARD WASHINGTON DC - This afternoon, President Joe Biden outlined an agenda and signed executive actions to move forward on several important fronts toward racial equity, including a measure directing the Department of Housing and Urban Development to reassess a Trump Administration rule that hindered a plaintiff’s ability to prove housing discrimination. CALIFORNIA HOMEOWNERS’ BILL OF RIGHTS (HOBR) California Homeowners’ Bill of Rights (HOBR) The CaliforniaForeclosure Reduction Act – SB 900 (Leno, Corbett, DeSaulnier, Evans, Pavley, Steinberg) & AB 278 (Eng, Feuer, Mitchell) extends key protections of the National Mortgage Settlement to all mortgage servicers for owner-occupant borrowers at risk offoreclosure.
POLICY ANALYSIS
Policy Analysis. Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending. Type. - Any - Consumer Finance Small Business Auto Loans Credit & Prepaid Cards Debt Collection & Settlement Mortgage Lending Overdraft Loans Student Loans Payday and Other SmallDollar
FINANCIAL FAIRNESS FOR ALL Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006 NEW REPORT WARNS OF PROBLEMS AFTER GSE PATCH EXPIRESGSE PATCH EXPIRATIONGSE PATCH EXTENSIONCFPB GSE PATCHGSE PATCH DTITEMPORARY GSEPATCH
The question of what will happen in mortgage lending after the government-sponsored enterprise (GSE) Patch expire in January 2021 is the focus of a new report published by the Center for Responsible Lending (CRL). “A Smarter Qualified Mortgage Can Benefit Borrowers, Taxpayers, and the Economy” calls on the Consumer Financial Protection Bureau (CFPB) to formulate a strategy HOW NOT TO BORROW MONEY Center for Responsible Lending. 302 West Main Street, Durham, NC 27701. (919) 313-8500. District of Columbia Office. 910 17th Street NW, Suite 800, Washington, DC NEW REPORT SHOWS SAVING FOR MORTGAGE DOWN PAYMENT IS A Data reflects dire need for down payment assistance and student debt relief that would help support path to homeownership WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released a new report “Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs.” The report calculates how long it would take for a typical renter household CONSUMER ADVOCATES JOIN FIGHT TO PROTECT CFPB IN COURT National Consumer Advocacy Groups File Motion to Intervene with DC Circuit and Maintain CFPB's Constitutional Authority to Protect Americans from Wall Street Greed Today in a joint effort, advocate groups including Americans for Financial Reform (AFR), Center for Responsible Lending (CRL), Self-Help Credit Union (SHCU), The Leadership Conference on Civil and Human Rights, U.S. FAIR AND EQUAL ACCESS TO CREDIT MUST INCLUDE PUERTO RICO WASHINGTON, D.C. - A recent resolution reached between the Consumer Financial Protection Bureau (CFPB) and American Express will cure the harms previously caused to consumers residing in Puerto Rico, the U.S. Virgin Islands and other U.S. territories. Under the agreement, American Express agreed to compensate consumers who were harmed by unequal and inferior credit card terms HOW OVERDRAFT FEES HARM CONSUMERS AND DISCOURAGE An analysis of recently available data confirms that financial institutions continue to engage in abusive overdraft practices and that reform is urgently needed. This issue brief highlights five key concerns: Overdraft fees remain an enormous drain on checking account customers. Using newly available call report data as the starting point, we estimate that consumers pay nearly A CRITICAL FIRST STEP BY THE BIDEN ADMINISTRATION TOWARD WASHINGTON DC - This afternoon, President Joe Biden outlined an agenda and signed executive actions to move forward on several important fronts toward racial equity, including a measure directing the Department of Housing and Urban Development to reassess a Trump Administration rule that hindered a plaintiff’s ability to prove housing discrimination. CALIFORNIA HOMEOWNERS’ BILL OF RIGHTS (HOBR) California Homeowners’ Bill of Rights (HOBR) The CaliforniaForeclosure Reduction Act – SB 900 (Leno, Corbett, DeSaulnier, Evans, Pavley, Steinberg) & AB 278 (Eng, Feuer, Mitchell) extends key protections of the National Mortgage Settlement to all mortgage servicers for owner-occupant borrowers at risk offoreclosure.
POLICY ANALYSIS
Policy Analysis. Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending. Type. - Any - Consumer Finance Small Business Auto Loans Credit & Prepaid Cards Debt Collection & Settlement Mortgage Lending Overdraft Loans Student Loans Payday and Other SmallDollar
FINANCIAL FAIRNESS FOR ALL CRL's work grows directly from our affiliation with Self-Help, our founder and one of the nation's largest nonprofit community development lenders.For nearly 40 years, Self-Help has worked to create ownership and economic opportunity in underserved communities through responsible loans and financial services. HOW NOT TO BORROW MONEY Center for Responsible Lending. 302 West Main Street, Durham, NC 27701. (919) 313-8500. District of Columbia Office. 910 17th Street NW, Suite 800, Washington, DCOVERDRAFT LOANS
Center for Responsible Lending 302 West Main Street, Durham, NC 27701 (919) 313-8500. District of Columbia Office 910 17th Street NW, Suite 800, Washington, DC 20006REBECCA BORNÉ
Rebecca Borné serves as senior policy counsel at the Center for Responsible Lending, which she joined in 2008. Rebecca advocates for federal protections against predatory practices that exploit the financially vulnerable, particularly in the areas of payday loans, high-cost installment loans, and depository overdraft practices. Rebecca engages with federal regulators and STATEMENT ON ALLY BANK ENDING OVERDRAFT FEES Today, Ally Bank announced a complete end to its overdraft fees. In response, Center for Responsible Lending (CRL) Senior Policy Counsel Rebecca Borné issued the following statement: The evidence is clear that overdraft fees are levied most frequently on families who can least afford it, disproportionately harming low-income and Black andLatino Americans.
VIDEO PRESS RELEASE: DODGING REFORM Credit card companies are busy crafting new tricks and traps to overcharge Americans by bypassing the new law. New CRL research examines eight specific industry practices and calls for a strong consumer-focused regulator. Read "Dodging Reform: As Some Credit CardAbuses Are
FIRST GENERATION: CRITERIA FOR A TARGETED DOWN PAYMENT This proposal for a national Down Payment Assistance (DPA) program was developed by the Center for Responsible Lending and the National Fair Housing Alliance from the perspective of providing the U.S. Congress with a framework for establishing a Targeted Downpayment Assistance Program to close the wealth and homeownership gaps. However, the elements of this proposal can be CALIFORNIA HOMEOWNERS’ BILL OF RIGHTS (HOBR) California Homeowners’ Bill of Rights (HOBR) The CaliforniaForeclosure Reduction Act – SB 900 (Leno, Corbett, DeSaulnier, Evans, Pavley, Steinberg) & AB 278 (Eng, Feuer, Mitchell) extends key protections of the National Mortgage Settlement to all mortgage servicers for owner-occupant borrowers at risk offoreclosure.
A CRITICAL FIRST STEP BY THE BIDEN ADMINISTRATION TOWARD WASHINGTON DC - This afternoon, President Joe Biden outlined an agenda and signed executive actions to move forward on several important fronts toward racial equity, including a measure directing the Department of Housing and Urban Development to reassess a Trump Administration rule that hindered a plaintiff’s ability to prove housing discrimination. Skip to main contentSEARCH FORM
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COVID-19-Related Resources This situation is rapidly developing. We will continue to update this page with related statements, articles, and resources.Learn More
The Rent-A-Bank Scheme Predatory lenders are making loans of 100% APR or more in states with limits of 36% or lessQuicksand
Unsustainable student loan debt exacts a severe toll on borrowers of color; Urgent reforms are neededExpert
Rebecca Borné
Overdraft Loans / Payday and Other Small Dollar Loans Stop the Payday Loan Debt Trap We are dedicated to ending the payday loan debt trap that cripples thousands of low- to moderate-income communities.Join the Campaign
RECENT RESEARCH & POLICY CRL conducts in-depth research on the extent and impact of predatory lending, to provide useful information to consumers, community advocates, and policymakers alike. We also share our market and legal knowledge with advocates and policymakers across the nation interested in reforming lending practices and frequently respond to regulators' requests for comments on lending issues. Type Comment Letters Policy Legislation Research Sign on Letter Testimony Amicus Brief Bill Law ComplaintFilter
Financial Implications of the Criminal Legal System: Policy Recommendations during COVID-19Consumer Finance
Comment to the Federal Housing Finance Agency on Enterprise RegulatoryCapital Framework
Mortgage Lending
Overview: CFPB’s Repeal of its 2017 Ability-to-Repay Standard for Payday & Car Title Loans Payday and Other Small Dollar LoansPayday Loans
OCC Proposed Rule Would Trample State Interest Rate Limits and Unleash Predatory Lending in all 50 States Payday and Other Small Dollar Loans COVID-19 Crisis Requires Comprehensive Response to Protect Financial Security, CARES Act Falls ShortConsumer Finance
State Consumer Protection Response to the COVID-19 CrisisConsumer Finance
Small Business Support Must Extend to Businesses of ColorConsumer Finance
Strong Opposition to the OCC and FDIC’s Proposed Community Reinvestment Act (CRA) RegulationsMortgage Lending
Providing a National Voice Against Abusive Financial Practices The Center for Responsible Lending's vision for the future includes a fair and responsible financial services market that provides families and individuals meaningful opportunities for wealthbuilding and economic security. Fairness and opportunity are at the center of a financial marketplace that helps families and communities achieveeconomic security.
Connect with an Expert Learn more about the Organization 2020 Center for Responsible Lending. All rights reserved.FIND OUR LOCATIONS
Center for Responsible Lending 302 West Main Street,Durham, NC 27701
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(510) 379-5500
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Join our mailing list Sign up for updates on the fight against predatory lending. * What's Hot Newsletter Building on Nearly 40 Years of Lending Experience CRL's work grows directly from our affiliation with Self-Help, our founder and one of the nation's largest nonprofit community development lenders. For nearly 40 years, Self-Help has worked to create ownership and economic opportunity in underserved communities through responsible loans and financial services.Details
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