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Housing - Comments

Empire Jusitce Comments on Protecting the Mortgage Insurance Fund
Empire Justice Center's comments focus on how HUD’s current foreclosure alternatives program for FHA-insured loans avoids unnecessary payment of insurance claims, and thus protects the mortgage insurance fund (Fund) and our communities. Read More

Empire Justice Comments to DFS on Vacant and Abandoned Properties
The proposed regulations for vacant and abandoned properties are quite comprehensive and thoughtfully address most of what needs to be included in the final regulations. Read More

Empire Justice Supports "Affirmatively Furthering Fair Housing"
Empire Justice strongly supports HUD's efforts to increase accountability under the "Affirmatively Furthering Fair Housing" mandate of the Fair Housing Act (78 Fed. Reg 43710). Read More

Empire Justice and Organizations Want Consumers Protected When Shopping for a Mortgage
Empire Justice Center was one of several organizations that sent a letter to the Consumer Financial Protection Bureau last month urging the CFPB to strengthen its proposed regulations around mortgage pricing and real estate closings so that consumers are better informed. Read More

NYRL Members Urge NY Courts to Go Further to Protect Homeowners in Foreclosure
In their comments on the Office of Court Administration's (OCA) amendment addressing problems with the current foreclosure process, members of New Yorkers for Responsible Lending ask the OCA to take additional steps to give homeowners a fair chance in the foreclosure process. Read More

GRCRC Asks Federal Regulators to Strengthen Mortgage Lending Data Regulations
To coordinate with hearings being held across the country, the Greater Rochester Community Reinvestment Coalition submitted comments to federal banking regulators asking them to expand the disclosure of mortgage lending data under HMDA. Read More

Empire Justice Center's Initial Reaction to Deficit Reduction Plan for 2009-10 State Budget
Reductions in services for those who have been most impacted by the recession will ultimately result in pushing more people over the edge into desperation. Read More

GRCRC Comments on KeyBank's 2008 CRA Exam
This comment letter will focus mainly on mortgage and small business lending with a small section on community development activities. Read More

Empire Justice Comments on Proposed Changes to the Real Estate Procedures Act
This letter commends HUD for its efforts to simplify and improve the process of obtaining mortgages and to reduce settlement costs to consumers through proposed changes to the Real Estate Procedures Act (RESPA), and offers suggestions to improve the proposed changes. Read More

GRCRC Comments on Bank of America's Application to Acquire Countrywide Financial Corp.
If the Federal Reserve attaches certain specific conditions to Bank of America’s acquisition of Countrywide Financial, as outlined in our testimony and detailed in this letter, the Greater Rochester Community Reinvestment Coalition would not oppose the acquisition. Read More

Empire Justice Comments on the Implementation of the Truth in Lending Act
It is our position that the proposals should be strengthened to make sure that consumers are adequately protected from the abuses that have led to the current crisis in the subprime mortgage lending industry and to ensure compliance. Read More

GRCRC Comments on Proposed Amendments to the Truth in Lending Act
The proposed Regulation Z changes would give consumers important added protections. It is our position, however, that the proposals should be strengthened to make sure that consumers are adequately protected from the abuses that have led to the current crisis in the subprime mortgage lending industry. Read More