From Foreclosure To Fair Lending
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From Foreclosure To Fair Lending
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Author : Chester Hartman
language : en
Publisher: New Village Press
Release Date : 2013-10-22
From Foreclosure To Fair Lending written by Chester Hartman and has been published by New Village Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-22 with Business & Economics categories.
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.
Credit To The Community
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Author : Dan Immergluck
language : en
Publisher: Routledge
Release Date : 2016-07-08
Credit To The Community written by Dan Immergluck and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-08 with Business & Economics categories.
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.
Role Of The Lending Industry In The Home Foreclosure Crisis
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Author : United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law
language : en
Publisher:
Release Date : 2010
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 has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Law categories.
Preserving The American Dream
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2009
Preserving The American Dream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Financial services industry categories.
San Francisco Fair Lending Working Group Flwg
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Author : San Francisco (Calif.). Fair Lending Working Group
language : en
Publisher:
Release Date : 2009
San Francisco Fair Lending Working Group Flwg written by San Francisco (Calif.). Fair Lending Working Group and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Foreclosure categories.
Foreclosed
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Author : Daniel Immergluck
language : en
Publisher: Cornell University Press
Release Date : 2011-02-11
Foreclosed written by Daniel Immergluck and has been published by Cornell University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-02-11 with Social Science categories.
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.
Foreclosure Predatory Mortgage And Payday Lending In America S Cities
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Author : United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy
language : en
Publisher:
Release Date : 2007
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 has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
Foreclosure Problems And Solutions
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
language : en
Publisher:
Release Date : 2008
Foreclosure Problems And Solutions written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Law categories.
Foreclosures Continue
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Author : United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy
language : en
Publisher:
Release Date : 2011
Foreclosures Continue written by United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
Rooting Out Discrimination In Mortgage Lending
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
language : en
Publisher:
Release Date : 2007
Rooting Out Discrimination In Mortgage Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.