IMMEDIATE RELIEF TO KEEP FAMILIES IN THEIR HOMES
Mortgage industry must:
• Disclose ownership of loans before foreclosure;
• Modify loans to be permanently affordable;
• Halt massive interest rate hikes;
• Allow servicers the greatest flexibility to modify these loans;
• Create a refinance loan for homeowners stuck in unaffordable loans;
• Employ salaried loan officers, not commissioned-based loan officers.

STOP ABUSIVE LENDING PRACTICES
Congress and the President must:
• Enact comprehensive homeowner protections that do not preempt state and local laws;
• Hold brokers and lenders accountable for knowingly engaging in abusive lending practices;
• Regulate and license mortgage brokers;
• Require all mortgage lending institutions to seriously address foreclosure prevention.

BUILD A SOLID FOUNDATION FOR HOMEOWNERSHIP
• Expand and modernize the Community Reinvestment Act (CRA) so that all mortgage originators are regulated;
• Reform many aspects of the mortgage origination process including RESPA changes which could give the final HUD-1 to borrowers 72 hours in advance of closing.