Predatory mortgage lending in the sub-prime market (for those with bad or no credit, who cannot qualify for prime interest rate loans) is a serious problem for low- and moderate-income families. Twenty-eight states have passed comprehensive reforms or enacted regulations to curb specific predatory practices. This report from the Center for Responsible Lending study finds that state reforms not only cut down on abusive practices, but also increase access to loans for people who need it most.

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