Stop Predatory Lending: A Guide for Legal Advocates with CD-Rom,
286 pages.
ISBN 978-1-931697-16-3. $60.
Predatory lending has grown exponentially in the last decade, and left much
deeper and widespread financial havoc in its wake. Advocates can use a variety
of statutory and common law claims in creative ways to achieve redress for consumers
harmed by abusive lending.
Stop Predatory Lending: A Guide for Legal Advocates is a detailed
roadmap for legal and community challenges to predatory lending involving first
and second mortgages, home improvements, mobile homes, rent-to-own transactions
as well as payday, refund anticipation, and auto title pawn loans.
This handbook covers:
History and Background on the Rise of the High Cost Loan Marketplace
Analyzing Loan Documents: A Step by Step Approach
Overview of Legal Claims and Defense to Predatory Loans
The Truth in Lending Act Simplified
Collecting the Relevant Loan Documents
Spotting the Issues in a Case
Selecting, Defending, and Resisting a Litigation Forum
Holding the Players Liable
Crafting a Community Response to Predatory Lending
The Companion CD-Rom contains:
Consumer Law Math Program
HOEPA Points and Fees Worksheet
HOEPA Proposed Regulatory Changes
Model Home Loan Protection Act and Commentary
Model Payday Loan Act and Commentary
Descriptions and Underwriting Guidelines for Alternative Loan Products to
Help Homeowners Refinance Out of Predatory Loans from: The City of Chicago,
FreddieMac, and FannieMae.
and NCLC