The undersigned civil rights, housing, and consumer organizations respectfully request a 30-day extension of time to provide comments on FHA’s proposed changes to the loan-level certifications, annual lender certifications, and defect taxonomy for FHA-insured loans.
Group letter urging Fannie Mae and Freddie Mac to amend the Flex Modification guidelines to extend the benefit of a lower interest rate to borrowers with mark-to-market loan-to-value (LTV) ratios below 80%.
Group Letter to CFPB re: Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition, Docket No. Docket No. CFPB-2020-0020, RIN 3170-AA98
Read More about Group Letter to CFPB Regarding TILA QM Definition, with Terms
We are writing to urge your support for H.R. 166, the Fair Lending for All Act. The bill would create an Office of Fair Lending Testing within the Consumer Financial Protection Bureau (CFPB), add two additional protected classes, and create criminal penalties for violations, three necessary improvements.
The Qualified Mortgage rule will play a significant role in the shape of the mortgage market going forward and whether homeowners who have been harmed by unsustainable loans, the types of loans targeted by the Dodd-Frank legislation, will have recourse to protect their homes from foreclosure and obtain an affordable mortgage loan. We therefore respectfully request a 60-day extension to this comment period.
Read More about Group Comments to the CFPB Regarding Seasoned Qualified Mortgage Loan Definition
The undersigned civil rights and consumer advocacy organizations are writing in response tothe Federal Housing Finance Agency’s (“FHFA”) Request for Input (“RFI”) for the Enterprises’Equitable Housing Finance Plans (“Equity Plans”).
Comments offered to the Federal Housing Finance Agency on building access to and preserving homeownership, including through equitable and linguistically-competent loan servicing and disposition of properties, and policies that promote equity and expand opportunity for low-income tenants.
Comments of the National Consumer Law Center (on behalf of its low-income clients), Americans for Financial Reform Education Fund, National Association of Consumer Advocates, and the National Fair Housing Alliance regarding the Consumer Financial Protection Bureau’s Request for Informationregarding the Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act(Regulation X) and the Truth In…
Read More about Consumer Comments to CFPB on Its Plan for Assessing the TRID Rule
Joint Comments to support two of RHS's Proposed chanfed to the direct loan program rules.
Comments of the National Consumer Law Center on behalf of its low income clients and National Fair Housing Alliance regarding Revisions to VA-Guaranteed or Insured Cash-Out Home Refinance Loans.
Housing advocates describe concerns, provide recommendations for AVMs, explain why appraisals are particularly important to consumers, and respond to questions from the RFI that are most relevant to consumers.
Read More about Comments to FHFA Regarding Appraisal-Related Policies, Practices, and Processes
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