chancho-ga,
There are a wide variety of reports available on the practices of
predatory lending, and the impacts they have across the country.
I've compiled links to the most authoritative reports, below. For the
most part, they are factual, statistical research documents, though
I've included a few "how to avoid predatory lenders" types of reports
as well, since these are representative of the types of literature
available.
I trust this fully answers your question. However, if there's
anything else you need, just let me know by posting a Request for
Clarification.
Cheers,
pafalafa-ga
===============
http://www.hud.gov/offices/hsg/sfh/pred/sub_bal.pdf
UNEQUAL BURDEN IN BALTIMORE:
INCOME AND RACIAL DISPARITIES IN SUBPRIME LENDING
www.hud.gov/offices/hsg/sfh/pred/sub_ny.pdf
UNEQUAL BURDEN IN NEW YORK:INCOME AND RACIAL DISPARITIES IN SUBPRIME LENDING
http://www.hud.gov/offices/fheo/lending/subprime.cfm
Some facts about subprime lenders
http://www.hud.gov/pressrel/pr00-75.html
Subprime Lending in America
http://www.gao.gov/new.items/d04280.pdf
CONSUMER PROTECTION
Federal and State Agencies Face Challenges in Combating Predatory Lending
http://www.dre.ca.gov/predatory.htm
Avoiding Predatory Lending
http://www.azag.gov/consumer/Predatory_Lenders_Book.pdf
Predatory Lending
Arizona Attorney General?s Office
http://www.treasury.gov/press/releases/reports/treasrpt.pdf
...This report details the recommendations of the Department of
Housing and Urban Development (HUD) and the Department of Treasury for
legislative and regulatory action to combat predatory lending...
http://commdocs.house.gov/committees/bank/hba64810.000/hba64810_0.HTM
PREDATORY LENDING PRACTICES
U.S. House of Representatives,
Committee on Banking and Financial Services
http://www.federalreserve.gov/BOARDDOCS/Speeches/2002/20020118/default.htm
Remarks by Governor Edward M. Gramlich
Federal Reserve Bank
Predatory Lending
http://www.responsiblelending.org/pdfs/rr010-State_Effects-0206.pdf
The Best Value in the Subprime Market
State Predatory Lending Reforms
http://www.ncrc.org/pressandpubs/press_releases/documents/2005/Fairlend_disparityMarch05.pdf
Fair Lending Disparities by Race, Income, and Gender in All
Metropolitan Areas in America
http://www.kenan-flagler.unc.edu/assets/documents/foreclosurepaper.pdf
The Impact of Predatory Loan Terms on Subprime Foreclosures:
The Special Case of Prepayment Penalties and Balloon Payments
http://www.responsiblelending.org/pdfs/rr004-PPP_Minority_Neighborhoods-0105.pdf
Borrowers in Higher Minority Areas Are More Likely to Receive
Prepayment Penalties on Subprime Loans
http://www.greenwood.com/books/BookDetail_pf.asp?pf=0&dept_id=1&sku=C8186
Why the Poor Pay More: How to Stop Predatory Mortgage Lending
http://www.responsiblelending.org/pdfs/kf-Rural_Borrowers-0904.pdf
Rural Borrowers More Likely to Be Penalized for Refinancing Subprime Home Loans
http://www.commoncouragepress.com/index.cfm?action=book&bookid=304
American Nightmare: Predatory Lending and the Foreclosure of the American Dream
http://www.southernstudies.org/backissues.asp#Summer2003
BANKING ON MISERY: Citigroup, Wall Street, and the Fleecing of the South
http://www.ncrc.org/content.php?section=consumer_resources/discrimination
The Broken Credit System: Discrimination and Unequal Access to
Affordable Loans by Race and Age
http://www.communitylaw.org/Lessons%20Learned.htm
Lessons Learned: Report of the Baltimore City Flipping and Predatory
Lending Task Force
http://www.acorn.org/acorn10/predatorylending/plreports/SU2002/index.php
Separate and Unequal: Predatory Lending in America
http://www.communitychange.org/housing/riskorrace.htm
Risk or Race?: Racial Disparities and the Subprime Refinance Market
http://www.predatorylending.org/pdfs/Quant10-01.PDF
Quantifying the Economic Cost of Predatory Lending
Again, let me know if there's anything else you need.
paf
search strategy -- Google searches on:
predatory lending site:gov
predatory lending statistics |
