HOEPA Policy Analysis Comments Comments on High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X), Sept. 7, 2012 Comments to the Federal Reserve Board re Truth in Lending Act proposed rule on mandatory escrow accounts for higher-priced [...]

Briefs, Reports, & Press Releases Issue brief: Housing Finance Reform Should Improve Upon Existing Mortgage Servicing Rules, October 2013 Press release: Consumer Groups Decry FHFA Billion Dollar Force-Placed Insurance Giveaway, February 13, 2013 Press Release: Civil Rights and Consumer Groups Respond to Takeover of Fannie Mae and Freddie Mac, September 15, 2008 Letters Group letter [...]

Briefs, Reports, & Press Releases Land Installment Contracts Toxic Transactions: How Land Installment Contracts Once Again Threaten Communities of Color, July 2016 Property Assessed Clean Energy (PACE) Loans Press Release: Housing and Consumer Groups Statement on California A.B. 1284’s PACE Loan Ability-to-Repay Provisions, Sept. 15, 2017 Issue brief: Residential Property Assessed Clean Energy (PACE) Loans: The Perils [...]

Briefs, Reports, & Press Releases Press Release re: Testimony of Margot Saunders on Mortgage Reform and Anti-Predatory Lending Act House Financial Services Committee (HR 1728), April 23, 2009 Comments Comments to the CFPB regarding the Small and Rural Creditor Exemptions to the Qualified Mortgage Ability to Repay Rule, March 30, 2015 Comments to the CFPB [...]

Comments Comments to the Commonwealth of Massachusetts Office of the Attorney General regarding Mortgage Lenders and Mortgage Brokers, June 28, 2007 Comments: HUD Opinion Will Cost Homeowners Millions in Kickbacks, October 2001 Letters Coalition Letter opposing a proposal (HR 6254) to relax FHA’s certification rules to permit more mortgage brokers instant access to the FHA [...]

HAMP Supplemental Directives Testimony of Alys Cohen before the Senate Banking Committee re: Helping Homeowners Harmed by Foreclosures: Ensuring Accountability and Transparency in Foreclosure Reviews and Press Release, Dec. 13, 2011; Response to Questions for the Record from the Senate, January 10, 2012; related press statement, January 7, 2013 Testimony of Diane Thompson Before the [...]

FHA Loans Policy Briefs, Reports and Press Releases Issue brief sent to HUD containing examples of problems with FHA reverse mortgage loss mitigation in the HECM program, Nov. 2016 Press release: FHA Note Sales Should Cease until Homeowners are Fully Protected, July 1, 2016 Press release and Report: HUD’s Sales of FHA-Defaulted Mortgage Loans Benefit the [...]

Policy Analysis Comments to the Federal Trade Commission regarding the Telemarketing Sales Rule Regulatory Review, Nov. 13, 2014 Group letter opposing MA HB 3569 that would allow "unlimited fees" on Massachusetts consumers by for-profit debt-relief firms, Nov . 7, 2013 || Press release Comments on Uniform State Laws (NCCUSL) Uniform Debt Management Services Act, Mar. 2006 FTC [...]

Reports, Press Releases and Policy Briefs Policy brief: PACE Energy Efficiency Loans: Good Intentions, Big Risks for Consumers, Sept. 2016 Statement: FTC Affirms Consumer Rights Under the Holder Rule, May 11, 2012 Press Release: Consumer Protection in the States: A 50-State Report on Unfair and Deceptive Acts and Practices Statutes, February 2009 State-by-State Analysis of State [...]