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Using the Fair Housing Act to Combat Predatory Lending

Show simple item record Lopez, Frank Rene 2010-04-19T15:11:04Z 2010-04-19T15:11:04Z 1999
dc.identifier.citation 6 Geo. J. on Poverty L. & Pol'y 73 en_US
dc.description.abstract In this article, Frank Lopez examines various solutions to the widespread problem of predatory lending. Because minority borrowers are shut out from mainstream lending institutions, predatory lenders can make loans with exorbitant rates and excessive closing costs to low-income borrowers. These high costs often force borrowers into default, allowing lenders to foreclose on their homes. The Article first discusses the evolution and consequences of predatory lending in poor minority communities. Next, the article discusses several legal options that have been offered as a means to combat predatory lending, including: the Community Reinvestment Act, the Truth in Lending Act, the Civil Rights Act of 1866, and the doctrine of unconscionability. The Article makes a thorough examination of these options, finding that each is inadequate to the task of deterring predatory lending practices. Ultimately, Lopez concludes that the Fair Housing Act is the most effective means to combating predatory lending. en_US
dc.publisher Georgetown Journal on Poverty Law and Policy
dc.subject Predatory lending en_US
dc.subject Community Reinvestment Act en_US
dc.subject Truth in Lending Act en_US
dc.subject Civil Rights Act of 1866 en_US
dc.subject Doctrine of unconscionability en_US
dc.subject Fair Housing Act en_US
dc.title Using the Fair Housing Act to Combat Predatory Lending en_US
dc.type Article en_US

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