Subscribe to CL&P

RSS/Atom Feed

To subscribe by email, enter your address:

About Us

www.clpblog.org

The contributors to this blog are a diverse group of lawyers and law professors who practice, teach, or write about consumer law and policy. Although the blog is hosted by Public Citizen's Consumer Justice Project, the views expressed here are solely those of the individual contributors and do not necessarily reflect those of the institutions with which they are affiliated. To view the blog's statement of policies, please click here.

Coordinators

Other Contributors

« Paper on Enforcement of Consumer Law in the US and EU | Main | Elizabeth Renuart and Diane Thomspon Paper on APR Disclosure »

Tuesday, March 25, 2008

What Would Senators McCain, Clinton and Obama Do?

In a speech delivered today in Orange County California (ground zero for many subprime lenders as well as foreclosed homes) Senator McCain offered some details of his plan to deal with the foreclosure crisis. Rather than spin the speech, I commend the original text to the reader's attention. One proposal that struck me was his call to increase the down payment requirements for FHA mortgages. I understand the sentiment, but in the absence of a national savings policy, it is hard to see how that would increase homeownership. It would also run contrary to current FHA efforts to offer refinancing loans to homeowners now facing foreclosures, who have little or no equity. He does not rule out government aid to mortgage defaulters, although he wants to be selective about any such program. Senator Clinton's speech on the housing crisis yesterday in Philadelphia is available here. Senator Obama has not given a speech on the housing crisis recently. His last speech on the economy on his web site is here but it is short on specifics. His issue paper offers tax subsidies for homeowners, better disclosure, a rescue fund of unspecified amount for foreclosure victims and support for the bankruptcy legislation to permit limited loan term modifications.

TrackBack

TrackBack URL for this entry:
http://www.typepad.com/services/trackback/6a00d83451b7a769e200e5517262928833

Listed below are links to weblogs that reference What Would Senators McCain, Clinton and Obama Do?:

Comments

If there are no problems, no solution is necessary. When it comes to the payday loan industry and the valuable assistance that they provide, there aren’t very many problems, if any at all. Many customers have nothing but good things to say, due to the fact that, if used properly, these loans provide a valuable service, and help a person out when they are in trouble. However, many of the people in high places don’t see the value behind short term loans, and want to fix what isn’t broken. Some bipartisan fronts have outlawed the industry outright in several states, and even candidate Barack Obama wants to take a shot as well. We aren’t going to tell you how to vote, but remember that you have to make the right choice for the people’s right to financial independence.

Post Courtesy of Personal Money Store
Professional Blogging Team
Feed Back: 1-866-641-3406
Home: http://personalmoneystore.com/NoFaxPaydayLoans.html
Blog: http://personalmoneystore.com/moneyblog/


Verify your Comment

Previewing your Comment

This is only a preview. Your comment has not yet been posted.

Working...
Your comment could not be posted. Error type:
Your comment has been posted. Post another comment

The letters and numbers you entered did not match the image. Please try again.

As a final step before posting your comment, enter the letters and numbers you see in the image below. This prevents automated programs from posting comments.

Having trouble reading this image? View an alternate.

Working...

Post a comment

Search CL&P Blog

Recent Posts

July 2009

Sun Mon Tue Wed Thu Fri Sat
      1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30 31  

Conferences

ABA Section of Antitrust Law, 2009 Consumer Protection Conference
June 18-19, 2009, Georgetown University Law Center, Washington, DC

American Bar Association 2009 Annual Meeting
July 30-August 4, 2009, Chicago, IL

Federal Trade Commission, Protecting Consumers in Debt Collection Litigation and Arbitration: A Roundtable Discussion
August 5-6, 2009, Northwestern School of Law, Chicago, IL

18th Annual Consumer Rights Litigation Conference, sponsored by the National Consumer Law Center
October 22-25, 2009, Philadelphia, PA