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Stop Predatory Lending
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Book Synopsis Why the Poor Pay More by : Gregory D. Squires
Download or read book Why the Poor Pay More written by Gregory D. Squires and published by Bloomsbury Publishing USA. This book was released on 2004-10-30 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: The proverbial American dream of owning a home has become an all-too-real nightmare for a growing number of families. The most vulnerable segments of our society—including minorities, the elderly, and working families—are being victimized by financiers who lure them into commitments they cannot fulfill. Collectively known as predatory lending, these practices include offering higher interest rates than can be justified by the risk, high pre-payment penalties that lock families into exploitative loans, and monstrous balloon payments that often result in default and the loss of the home. The net result can be disastrous: damage to one's credit rating, bankruptcy, and even the loss of lifelong savings. Why the Poor Pay More is an incisive exposure of these practices: how they have evolved, why they have become so prevalent in recent years, and how their negative effects can be quantified. It features in-depth analysis from prominent scholars, legal experts, and community leaders, who shed new light on the social, political, and economic consequences of predatory lending. Why the Poor Pay More is much more than an indictment of these insidious discriminatory practices. It is a call to arms for anyone concerned about how the financial-political system can be corrupted to serve the needs of the wealthy. Highlighting community initiatives already underway to combat predatory lending and an extensive listing of practical resources, Why the Poor Pay More outlines active roles that individuals, advocacy groups, financial and legal service providers, and policymakers can play in reversing this destructive trend.
Book Synopsis Why the Poor Pay More by : Gregory D. Squires
Download or read book Why the Poor Pay More written by Gregory D. Squires and published by . This book was released on 2004 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Stop! Illegal Predatory Lending by : D. Alex-Saunders-Sparks
Download or read book Stop! Illegal Predatory Lending written by D. Alex-Saunders-Sparks and published by AuthorHouse. This book was released on 2007-10-09 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: STOP Illegal Predatory Lending - Self-Help Guide has a dual purpose to inform the public about the crimes of lending predators but also to assist the individual person or families who may go through this ordeal. Thisbook should be in the hands of every person who has aloan or intends to get one. Also,every consumer organization that helps a troubled homeowner should have this book for reference. There are growing resources to help with this problem but when it happens you are never more alone until you take action. This guide is a useful and powerful tool to anchor you against the anxiety and depression that will & can occur when you are abused by the system. The information in this guide can create a mental state of confidence and strength to help you overcome the enormous task of taking action against the illegal money lenders.
Book Synopsis Stop Predatory Lending by : Elizabeth Renuart
Download or read book Stop Predatory Lending written by Elizabeth Renuart and published by Debolsillo. This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Protection by : United States. General Accounting Office
Download or read book Consumer Protection written by United States. General Accounting Office and published by . This book was released on 2004 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Stop Predatory Lending by : Elizabeth Renuart
Download or read book Stop Predatory Lending written by Elizabeth Renuart and published by . This book was released on 2002 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a First Edition.
Book Synopsis Understanding Predatory Lending by : Deborah Goldstein
Download or read book Understanding Predatory Lending written by Deborah Goldstein and published by . This book was released on 1999 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer protection federal and state agencies face challenges in combating predatory lending : report to the Chairman and Ranking Minority Member, Special Committee on Aging, U.S. Senate. by :
Download or read book Consumer protection federal and state agencies face challenges in combating predatory lending : report to the Chairman and Ranking Minority Member, Special Committee on Aging, U.S. Senate. written by and published by DIANE Publishing. This book was released on with total page 127 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Predatory Lending by : United States. Congress. Senate. Special Committee on Aging
Download or read book Predatory Lending written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2004 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Stop Illegal Predatory Lending by : D. Alex Saunders-Sparks
Download or read book Stop Illegal Predatory Lending written by D. Alex Saunders-Sparks and published by . This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Loan Sharks written by Charles R. Geisst and published by Brookings Institution Press. This book was released on 2017-04-04 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: Predatory lending: A problem rooted in the past that continues today. Looking for an investment return that could exceed 500 percent annually; maybe even twice that much? Private, unregulated lending to high-risk borrowers is the answer, or at least it was in the United States for much of the period from the Civil War to the onset of the early decades of the twentieth century. Newspapers called the practice “loan sharking” because lenders employed the same ruthlessness as the great predators in the ocean. Slowly state and federal governments adopted laws and regulations curtailing the practice, but organized crime continued to operate much of the business. In the end, lending to high-margin investors contributed directly to the Wall Street crash of 1929. Loan Sharks is the first history of predatory lending in the United States. It traces the origins of modern consumer lending to such older practices as salary buying and hidden interest charges. Yet, as Geisst shows, no-holds barred loan sharking is not a thing of the past. Many current lending practices employed today by credit card companies, payday lenders, and providers of consumer loans would have been easily recognizable at the end of the nineteenth century. Geisst demonstrates the still prevalent custom of lenders charging high interest rates, especially to risky borrowers, despite attempts to control the practice by individual states. Usury and loan sharking have not disappeared a century and a half after the predatory practices first raised public concern.
Book Synopsis Predatory Lending and Reverse Redlining by : United States. Congress. Joint Economic Committee
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:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :576 pages Book Rating :4.F/5 ( download)
Book Synopsis Predatory Mortgage Lending by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Predatory Mortgage Lending written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2002 with total page 576 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :268 pages Book Rating :4.:/5 (327 download)
Book Synopsis Preserving the American Dream by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
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:
Book Synopsis Toward Curing Predatory Lending by : Ronald H. Silverman
Download or read book Toward Curing Predatory Lending written by Ronald H. Silverman and published by . This book was released on 2005 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cash-poor lower- and modest-income folks are often credit deprived with limited borrowing or financing options. To compensate, such persons sometimes seek financing or credit from so-called fringe bankers or credit providers like pawnshops, check cashing outlets, rent-to-own merchants and tax refund-anticipation lenders. More recently, especially over the last decade, people have new opportunities to use accumulated home equity to secure loans from corporate mortgage bankers, including some that are affiliates of mainstream true banks or depository institutions. Such sub-prime lending is sometimes abused by lenders that engage in a set of ugly, if elusive, practices that have come to be known and criticized as predatory home mortgage lending. The victims are typically modest-income home owners who may often be under-educated, elderly mortgagors of color.This article is organized in several connected parts. Part I briefly describes the history of second-tier financing including but not limited to sub-prime home mortgage lending. Part II focuses on the contemporary problems with predatory home mortgage loans and relies on certain data and trends. It describes relevant loan content and designs, offensive behaviors of certain predatory lenders, the negative effects on borrowers and various external or spillover consequences. Part III analyzes the causes of predatory home mortgage lending. This Part relies on certain relevant economic reasoning and describes the reluctance of true or depository banks to make subprime home mortgage loans. It further treats the rise of non-bank mortgage lenders that benefit from the information disadvantages of quot;adversely selectedquot; home mortgage borrowers. Other influences include certain economic trends, income tax changes and borrower psychologies. Part IV describes and analyzes various strategies for correcting predatory home mortgage lending problems. It treats an early group of traditional state protections, a newer generation of federal correctives and the most recent era of state and local strategies. Finally, Part V describes and analyzes the core monopoly problem and reflects on new federal supports for subprime home mortgage lending. This part especially describes the recent involvement of specialized credit unions in making and encouraging private home mortgage loans for the under-served.
Book Synopsis American Nightmare by : Richard Lord
Download or read book American Nightmare written by Richard Lord and published by . This book was released on 2005 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Homeowners who can't borrow from banks have long turned to the subprime lending industry for mortgages. Increasingly, that industry has turned on them by charging outrageous fees and usurious interest, and then taking their homes through foreclosure. Richard Lord explores the spread of predatory lending practices. And it tells the stories of borrowers who've been taken, contractors and brokers who've been co-opted, lenders who've cheated--and the world's biggest financial titans, who've cashed in. A battle is taking shape that could determine whether home ownership for working people will be an achievable dream or an American nightmare. Richard Lord is a writer for the "Pittsburgh City Paper" whose work on subprime lending has won numerous awards.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :192 pages Book Rating :4.0/5 ( download)
Book Synopsis Predatory Mortgage Lending Practices by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Predatory Mortgage Lending Practices written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2003 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
