Download or read book From Foreclosure to Fair Lending written by Chester Hartman and published by New Village Press. This book was released on 2013-10-22 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book informs a renewed movement for fair lending and fair housing. Leading advocates and specialists examine strategic initiatives to realize objectives of the federal Fair Housing Act as well as state and local laws Well-known fair housing and fair lending activists and organizers examine the implications of the new wave of fair housing activism generated by Occupy Wall Street protests and the many successes achieved in fair housing and fair lending over the years. The book reveals the limitations of advocacy efforts and the challenges that remain. Best directions for future action are brought to light by staff of fair housing organizations, fair housing attorneys, community and labor organizers, and scholars who have researched social justice organizing and advocacy movements. The book is written for general interest and academic audiences. Contributors address the foreclosure crisis, access to credit in a changing marketplace, and the immoral hazards of big banks. They examine opportunities in collective bargaining available to homeowners and how low-income and minority households were denied access to historically low home prices and interest rates. Authors question the effectiveness of litigation to uphold the Fair Housing Act's promise of nondiscriminatory home loans and ask how the Consumer Financial Protection Bureau is assuring fair lending. They also look at where immigrants stand, housing as a human right, and methods for building a movement.
Download or read book Credit to the Community written by Dan Immergluck and published by Routledge. This book was released on 2016-07-08 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Download or read book Foreclosed written by Daniel Immergluck and published by Cornell University Press. This book was released on 2011-07-20 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last two years, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or "exotic" home mortgage lending. The unfortunately timely Foreclosed explains the rise of high-risk lending and why these newer types of loans—and their associated regulatory infrastructure—failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities. Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of homeownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years—including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products—led, he finds, inexorably to the current crisis. After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990s and early 2000s. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for "righting the ship" of U.S. housing finance in ways that will promote affordable yet sustainable homeownership as an option for a broad set of households and communities.
Download or read book From Foreclosure to Fair Lending written by Chester Hartman and published by NYU Press. This book was released on 2013-10-22 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Well-known fair housing and fair lending activists and organizers examine the implications of the new wave of fair housing activism generated by Occupy Wall Street protests and the many successes achieved in fair housing and fair lending over the years. The book reveals the limitations of advocacy efforts and the challenges that remain. Best directions for future action are brought to light by staff of fair housing organizations, fair housing attorneys, community and labor organizers, and scholars who have researched social justice organizing and advocacy movements. The book is written for general interest and academic audiences. Contributors address the foreclosure crisis, access to credit in a changing marketplace, and the immoral hazards of big banks. They examine opportunities in collective bargaining available to homeowners and how low-income and minority households were denied access to historically low home prices and interest rates. Authors question the effectiveness of litigation to uphold the Fair Housing Act’s promise of nondiscriminatory home loans and ask how the Consumer Financial Protection Bureau is assuring fair lending. They also look at where immigrants stand, housing as a human right, and methods for building a movement. Chester Hartman is an urban planner, academic, author of more than twenty books, and director of research for the Poverty & Race Research Action Council. Gregory Squires is a professor of sociology, public policy, and public administration at George Washington University and advisor to the John Marshall Law School Fair Housing Legal Support Center.
Download or read book Preserving the American Dream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Role of the Lending Industry in the Home Foreclosure Crisis written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law and published by . This book was released on 2010 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Curbing Predatory Home Mortgage Lending written by United States. Department of Housing and Urban Development and published by . This book was released on 2000 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Foreclosure Predatory Mortgage and Payday Lending in America s Cities written by United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy and published by . This book was released on 2007 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rooting Out Discrimination in Mortgage Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2007 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Foreclosure Problems and Solutions written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2008 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Fair Lending written by and published by . This book was released on 2009 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Mortgage Lending Discrimination written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Predatory Lending and Reverse Redlining written by United States. Congress. Joint Economic Committee and published by . This book was released on 2010 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Foreclosures Continue written by United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy and published by . This book was released on 2011 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Protecting homeowners written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Fair Lending written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 1996-12 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: Federal Fair Lending Laws, enacted in 1968 and 1974, prohibit discrimination in all forms of credit transactions, including consumer and business loans as well as mortgage loans. This report reviews federal efforts to strengthen enforcement of the fair lending laws, discusses the challenges federal regulators face in their efforts to detect discrimination and ensure compliance, and recommends actions to meet some of those challenges. Charts and tables.
Download or read book Legislative Solutions to Abusive Mortgage Lending Practices written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2006 with total page 552 pages. Available in PDF, EPUB and Kindle. Book excerpt:
