id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
inlawrev-4071	Brown, Carol Necole	Women and Subprime Lending: An Essay Advocating Self-Regulation of the Mortgage Lending Industry	2010	12	.pdf	application/pdf	4912	251	48	2010] WOMEN AND SUBPRIME LENDING 1223 alleged discriminatory practices with calls for: (1) strengthening the HMDA reporting requirements for covered institutions to include all of the variables that financial institutions consider when determining creditworthiness and when pricing loans, (2) greater accountability through the establishment of a set of national mortgage lending standards (a move away from deregulation of mortgage markets), (3) consolidating our fragmented banking regulatory structure, (4) fixing the mortgage securitization process to promote greater disclosures (a quality of investment problem) and to ensure closer alignment of the incentives of investors and originators, (5) imposing stricter enforcement of existing consumer protection laws, and (6) backing away from federal preemption of state consumer protection laws.^^ The mortgage-related financial crisis emphasized the deficiencies in the internal controls and compliance programs of the participants in the nation's mortgage lending industry. [and that] mortgage brokers and lenders disproportionately sold subprime mortgages to women on their own even when they could have qualified for lower-cost loans.''	cache/inlawrev-4071.pdf	txt/inlawrev-4071.txt