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    <title>Poll: Strong Support for New Mortgage Lending Rules that Require Verification of Ability to Repay</title>
    <link>http://www.responsiblelending.org/mortgage-lending/research-analysis/poll-strong-support-mortgage.html</link>
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    <pubDate>Fri, 13 Nov 2015 00:00:00 -0600</pubDate>    
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    <title>Loan-level Certification Requirements for FHA Insured Mortgages Comment</title>
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    <pubDate>Tue, 06 Oct 2015 00:00:00 -0500</pubDate>    
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    <title>2014 HMDA Data Show That Federal Rules Did Not Have A Chilling Effect On Lending, Despite Lender Predictions</title>
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    <pubDate>Tue, 22 Sep 2015 00:00:00 -0500</pubDate>    
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    <title>Comments on Proposed Changes to Federal Housing Administration Loan Certifications</title>
    <link>http://www.responsiblelending.org/mortgage-lending/research-analysis/comments-on-proposed-changes.html</link>
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    <pubDate>Tue, 14 Jul 2015 00:00:00 -0500</pubDate>    
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    <title>An Analysis of the Financial Regulatory Improvement Act of 2015</title>
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    <description>On May 12, 2015, the Senate Committee on Banking, Housing, and Urban Affairs’ Chairman, Senator Richard Shelby (R-AL), introduced a discussion draft of “The Financial Regulatory Improvement Act of 2015” (“Chairman’s Draft”). The proposal comes at a time when offering community banks relief from recently created laws and regulations for the mortgage market is dominating some discussions about Congressional efforts to secure the future of housing finance and policy.</description>
    <pubDate>Wed, 20 May 2015 00:00:00 -0500</pubDate>    
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    <title>Mitria Wilson Testimony on Examining Regulatory Burdens on Non-Depository Financial Institutions</title>
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    <pubDate>Wed, 15 Apr 2015 00:00:00 -0500</pubDate>    
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    <title>Letter to Congress – About HR 685, The Mortgage Choice Act</title>
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    <pubDate>Wed, 18 Mar 2015 00:00:00 -0500</pubDate>    
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    <title>Letter to Congress – About HR 650, The Preserving Access to Manufactured Housing Act</title>
    <link>http://www.responsiblelending.org/mortgage-lending/policy-legislation/letter-to-congress-about-hr-1.html</link>
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    <pubDate>Thu, 26 Feb 2015 00:00:00 -0600</pubDate>    
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    <title>FHFA Director Responds to Housing Advocates: Broadening Mortgage Access is a 2015 Priority</title>
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    <description>In mid-November, CRL joined with the National Consumer Law Center (NCLC) and  several other consumer and civil rights advocates, wrote FHFA calling for revised underwriting standards that would open access to mortgage credit for up to 38 million consumers. </description>
    <pubDate>Thu, 18 Dec 2014 00:00:00 -0600</pubDate>    
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    <title>CRL Comment on HMDA Changes </title>
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    <description>On October 29, the Center for Responsible Lending joined a coalition of consumer and civil rights organization to comment on the proposed changes to the Home Mortgage Disclosure Act (HMDA) reporting requirements. </description>
    <pubDate>Wed, 29 Oct 2014 00:00:00 -0500</pubDate>    
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