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Predatory Lending

The Better Business Bureau describes predatory lending as, "a set of lending practices that takes unfair advantage of consumers. Consumers end up taking out loans that they cannot afford, have deceptive or unclear terms in them, or which cost more than necessary and may ultimately lead to the loss of one's home."

Better Business Bureau
Prime, subprime and predatory lending
A guide to the difference between prime and subprime loans and predatory lending.

Better Business Bureau
How to Spot Predatory Lending
"The large majority of predatory loans are either first or second mortgages. The practices that make up predatory lending can involve any of the players in the loan market: lenders, mortgage brokers, real estate brokers, attorneys, even home improvement contractors..."

US Department of Housing and Urban Development
Fair Housing - Fair Lending
"Fair Housing-Fair Lending ON LINE™ helps you to stay on top of developments in virtually every area of housing and mortgage lending discrimination."

US Department of Housing and Urban Development
Fair Housing Laws
"Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability)."

US Department of Housing and Urban Development
Subprime Lending More Likely in Minority and Low-Income Areas
"A recently released study by HUD...clearly demonstrate the rapid growth of subprime lending during the 1990s and the disproportionate concentration of such lending in the Nation's minority and low-income neighborhoods. "

US Department of Housing and Urban Development
Housing Discrimination Complaints
"Federal law prohibits housing discrimination based on your race, color, national origin, religion, sex, family status, or disability. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint."

US Department of Housing and Urban Development
National and Regional Housing Counseling Intermediaries
"National and Regional Housing Counseling Intermediaries are excellent resources for housing counseling and other forms of assistance. These organizatons provide housing counseling services through branches and affiliates. Many local housing agencies are part of these larger organizations."

Federal Trade Commission Bureau of Consumer Protection
Consumer Complaint Form
"Use this form to submit a complaint to the Federal Trade Commission (FTC) Bureau of Consumer Protection about a particular company or organization. "