Simple Legal Tool Helps Families Keep Inherited Property
New Report Shows How ‘Heirship Affidavits’ Can Protect Family Property and Generational Wealth
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Digital Library: Fighting Zombie Foreclosures with UDAP Claims
State unfair and deceptive practices (UDAP) statutes offer a promising source of claims to challenge abusive “zombie” mortgages. Many junior mortgages were originated in the years leading up to the 2007 subprime foreclosure crisis. When borrowers defaulted on these second mortgages during the crisis, loan holders stopped collecting because the homes were underwater, meaning there…
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CFPB Proposal Will Help Disreputable Mortgage Lenders Prey on Consumers
Softening Truth in Lending and Real Estate Settlement Rules is a Roadmap for Abuse
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Class Action Lawsuit Filed Against Unison, Alleging Company Lured Massachusetts Homeowners into Predatory Home Equity Agreements
The suit alleges that Unison lured Massachusetts homeowners into high-cost home equity loans by falsely marketing its product as an interest-free, loan alternative "option contract"
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Congress Passes 21st Century ROAD to Housing Act
Legislative Package Includes NCLC Priorities to Address Housing Affordability and Supply, and Improve Access to Financing in Underserved Communities
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Op-ed: Crypto’s Next Gamble is On Your Mortgage
If crypto valuations nosedive or the crypto-collateral is stolen, homeowners may be on the hook for more than just their monthly payments.
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VA Must Pause Foreclosures Until New Mortgage Assistance Program Is Accessible
The new Partial Claim Program will allow some Veterans struggling to pay their mortgages to defer past-due payments to the end of their loans.
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Home Equity Investment Loans: Subprime Balloon Mortgages Coming to a Neighborhood Near You
Homeowners in the U.S. hold around $34 trillion in home equity. In a new article for New America’s Rooftop Blog, Alys Cohen, Director of Federal Housing Advocacy and Acting Co-Director of Federal Advocacy, notes that many plan to use this equity, the single largest source of family wealth, to fund retirement, pay for long-term care,…
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NYU Law Environmental Law Journal Article: Fractured and Forgotten: Challenging Exclusionary Titling and Co-Ownership Requirements That Displace “Heirs Property” Disaster Survivors
Volume 34, Issue 1 (2026) In the aftermath of a natural disaster, disaster survivors rely heavily on local and federal relief to rebuild their devastated homes. For households without formal legal title to their home, however, such relief is slower to arrive, leading to displaced families and damaged communities. Due to generations of frustrated access…
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Maine Governor Signs First-in-the-Nation Law to Protect Homeowners From Home Equity Investment Loans
Law Provides Homeowners With the Most Comprehensive Protections in the Country
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The New York Times: What’s the Deal With Rent-to-Buy Home Contracts?
Appearing in The New York Times on March, 21, 2026, Jill Terreri Ramos talks to Sarah B. Mancini, managing director of advocacy at NCLC, about how renting a home until you have enough money to buy it might look like an attractive option, but there are traps everywhere. “Tenants in a lease-option may spend more…
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House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families
NCLC’s Alys Cohen Urges VA To Take Steps to Keep Veterans in Their Homes
