http://www.responsiblelending.org feed-51154798 web@responsiblelending.org 2010 Center for Responsible Lending Convio Content Management System Module en-us www.responsiblelending.org-334668949 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/4TuDFPMDoqs/compliancecosts.html CRL President Michael Calhoun testifies before a House Financial Services subcommittee on the benefits of strong lending protections. Financial reform, including the CFPB, is good for American families as well as bank safety and soundness. Wed, 09 May 2012 00:00:00 -0500 http://www.responsiblelending.org/mortgage-lending/policy-legislation/regulators/compliancecosts.html www.responsiblelending.org-330925792 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/XnGNp-_OTx0/testimony-refinancing-helping-responsible-homeowners.html Interest rates are at historic lows, but many homeowners who could benefit from these low rates have not refinanced their higher-rate mortgage. In this testimony, CRL President Michael Calhoun recommends expanding the Home Affordable Refinance Program (HARP) to prevent unnecessary foreclosures and boost economic recovery. Wed, 25 Apr 2012 00:00:00 -0500 http://www.responsiblelending.org/mortgage-lending/policy-legislation/congress/testimony-refinancing-helping-responsible-homeowners.html www.responsiblelending.org-319444802 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/gn_h-tezaCk/national-mortgage-settlement.html Forty-nine state attorneys generals and two government agencies have reached a $25 billion agreement with the nation's five largest mortgage servicers to address mortgage loan servicing and foreclosure abuses. Here we provide a quick-reference summary of the terms of this agreement. Wed, 14 Mar 2012 00:00:00 -0500 http://www.responsiblelending.org/mortgage-lending/policy-legislation/states/national-mortgage-settlement.html www.responsiblelending.org-182352901 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/HUlklrKz0tE/foreclosure-fraud-robo-signing.html A lawsuit highlights possible foreclosure fraud, as loan servicing employees admit they don’t actually review foreclosure documents; instead they do "robo-signing. Fri, 17 Feb 2012 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/policy-legislation/regulators/foreclosure-fraud-robo-signing.html www.responsiblelending.org-304269072 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/nctSCJRRkVM/balancing-risk-and-access.html Mandatory down payments on mortgages would put fairly-priced loans out of reach for millions of creditworthy families. Wed, 18 Jan 2012 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/research-analysis/balancing-risk-and-access.html www.responsiblelending.org-246360826 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/1JVaoPZVqNs/qualified-residential-mortgages.html The housing market of the future can drive economic growth without shutting out responsible home buyers. Find reports, data and other resources on Qualified Residential Mortgages. Tue, 17 Jan 2012 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/policy-legislation/regulators/qualified-residential-mortgages.html www.responsiblelending.org-311383944 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/1_4XSAQcuLs/FHFA-servicing-reforms.html FHFA has the mandate and the opportunity to improve mortgage servicing practices. CRL recommends incentives to encourage better service by loan servicers and to promote more timely and effective loss mitigation, free of abusive and unfair practices. Tue, 27 Dec 2011 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/policy-legislation/regulators/FHFA-servicing-reforms.html www.responsiblelending.org-294743416 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/h3AriUrzKc4/foreclosure-counseling-areas-of-need.html Which areas of the U.S. have been hardest hit by the foreclosure crisis? Which areas have the greatest need for foreclosure counselors? This report analyzes 366 metropolitan and 577 micropolitan areas to help answer these questions. Thu, 01 Dec 2011 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/research-analysis/foreclosure-counseling-areas-of-need.html www.responsiblelending.org-292820888 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/DFIN0kRfJRk/facing-the-foreclosure-crisis.html This policy brief is a companion piece to CRL's foreclosure research, "Lost Ground, 2011." Here we discuss practical policies that would help stop the foreclosure epidemic and restore confidence in the housing market. Tue, 29 Nov 2011 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/policy-legislation/regulators/facing-the-foreclosure-crisis.html www.responsiblelending.org-289599505 http://feedproxy.google.com/~r/Crl-MortgageLending/~3/5t0sG5IDryk/disparities-in-mortgage-lending-and-foreclosures-maps-data.html Click on a state to view foreclosures and serious delinquencies by state and metropolitan area. Also: see 8 charts that break the information down further by demographics and income. Thu, 17 Nov 2011 00:00:00 -0600 http://www.responsiblelending.org/mortgage-lending/research-analysis/disparities-in-mortgage-lending-and-foreclosures-maps-data.html