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	HUD Predatory Lending
		Predatory mortgage lending practices strip borrowers of home equity and threaten families with foreclosure, destabilizing the very communities that are beginning to enjoy the fruits of our nation’s economic success.
		Since the Spring of 1999, HUD has been actively involved in combating predatory lending through research, regulation, consumer education and enforcement actions against lenders, appraisers, real estate brokers, and other companies and individuals that have victimized homebuyers.
		Protect yourself from predatory lenders: For information about loan fraud and advice about preventing it, see Don't Be A Victim of Loan Fraud.
	www.hud.gov /offices/hsg/sfh/pred/predlend.cfm (417 words)

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		Predatory loans may contain a balloon payment that the borrower is unlikely to be able to afford, resulting in foreclosure or refinancing with additional high costs and fees.
		Predatory lending is difficult to define partly because certain loan attributes may or may not be abusive, depending on the overall context of the loan and the borrower.
		Predatory lending also serves to harm the reputation of honest and legitimate lenders, casting them in the same suspicious light as those making unfair loans and thus increasing their reluctance to extend credit to the traditionally underserved communities that are often targeted by abusive lenders.
	www.gao.gov /atext/d04280.txt (16245 words)

	Predatory Lending Abuses • CRC (Site not responding. Last check: 2007-10-23)
		Other predatory mortgage lenders, whom we call hard lenders, purposely structure the loans with payments the homeowners cannot afford in order to trigger a foreclosure so that they may acquire the house and the valuable equity in the house at the foreclosure sale.
		Predatory mortgage lenders often charge the borrowers a fee in excess of the actual amount required by law to record the documents.
		This is done in an effort to lock the borrower into the predatory loan for as long as possible by making it difficult for her to refinance the mortgage or sell the home.
	www.calreinvest.org /campaigns/abuses.html (2567 words)

	Predatory Lending testimony
		Predatory lending practices hide from consumers essential information they need to make decisions about their single greatest asset -- their home -- and the equity they have spent years building.
		Predatory lending practices are particularly devastating because these loans usually are sought at a time of great need, when borrowers are most susceptible to practices that can strip them of substantial sums of money and, ultimately, their homes.
		Predatory lenders stand to make significant profits from credit insurance, not only because the premium itself is very profitable but also because the premium is typically financed as part of the loan, adding to the cost of fees and interest.
	www.ftc.gov /os/2000/05/predatorytestimony.htm (5991 words)

	FRB: Speech, Gramlich -- Predatory Lending -- April 14, 2000
		Self-explanatory labels from the predatory markets are "loan flipping" and "equity stripping." Horrifying anecdotes of predatory lending have been standard fare for television exposés and include a notable congressional testimony of a witness with a bag over his head.
		Predatory lending would not exist, or would be relatively rare, if prospective borrowers understood the true nature of their loan contracts.
		Because predatory lenders are less regulated and predatory loans are often difficult to identify and define legally, it becomes both a regulatory and an enforcement challenge to stop predatory practices.
	www.federalreserve.gov /boarddocs/speeches/2000/200004142.htm (2389 words)

	Predatory Mortgage Lending Campaign * CRC (Site not responding. Last check: 2007-10-23)
		Predatory mortgage lending is the practice of making high-cost home loans to borrowers without regard to the borrower's ability to repay the loan.
		Predatory mortgage lending undermines the intent of the CRA which is to promote the community and economic development of traditionally under-served communities.
		Predatory mortgage lenders target borrowers that have substantial equity in their homes and that have low- or fixed-incomes.
	www.calreinvest.org /campaigns/predatory.html (723 words)

	PREDATORY LENDING IN NEW JERSEY: THE RISING THREAT TO LOW-INCOME HOMEOWNERS
		Subprime lending is not synonymous with predatory lending.
		Predatory lending refers to a wide array of practices that disproportionately affect low-income, elderly, and minority homeowners and result in unjustified increased payments, inability to refinance loans, and, in too many cases, equity stripping and foreclosure.
		Since responsible lenders that do not engage in predatory practices are threatened with losing business to predatory lenders, they should adopt standards to ensure they do not engage in predatory practices, including ensuring that consumers are not wrongly relegated to the subprime market when they could qualify for credit in the prime market.
	www.njisj.org /reports/predatory_lending.html (12553 words)

	Predatory Lending: Redlining in Reverse
		Instead of contributing to homeownership and community development, predatory lending practices strip the equity homeowners have struggled to build and deplete the wealth of those communities for the enrichment of distant financial services firms.
		Predatory loans, however, charge higher rates and fees than warranted by the risk, trapping homeowners in unaffordable debt and often costing them their homes and life savings.
		The law, which was the first passed by a state government to curb predatory lending, included a ban on prepayment penalties on loans of $150,000 or less and a ban on unnecessary refinancing.
	www.nhi.org /online/issues/139/redlining.html (2339 words)

	Predatory Lending: Subprime Lenders trick homeowners into expensive loans.
		Predatory lending is any unfair credit practice that harms the borrower or supports a credit system that promotes inequality and poverty.
		One of the most common predatory practices is placing borrowers into higher interest rate loans than their credit risk would call for.
		Predatory lending is becoming more of a problem as the home mortgage market undergoes rapid change.
	www.nhi.org /online/issues/109/bradley.html (2451 words)

	predatory lending, predatory lendors, predatory home equity loans
		Read our Special Report to learn more about the subprime lending industry, predatory lenders and families who didn't know what hit them.
		It's primarily for consumers who are concerned about predatory lending practices.
		E-mail addresses are collected so we can send out warning tips to those who request them and to update visitors on predatory lending trends.
	www.predatorylendingsucks.com (225 words)

	FDIC Consumer News - Summer 2002
		There is no clear-cut definition of a predatory loan, but many experts agree that it is the result of a company misleading, tricking and sometimes coercing someone into taking out a home loan (typically a home equity loan or mortgage refinancing) at excessive costs and without regard to the homeowner's ability to repay.
		Predatory mortgage lending primarily has been a problem with nonbank companies that specialize in marketing to people with poor credit histories.
		Should a predatory lender change the terms of the loan from what was agreed upon at the closing, contact HUD, a housing counselor or an attorney and provide a copy of your signed loan documents.
	www.fdic.gov /consumers/consumer/news/cnsum02/cvrstry.html (2476 words)

	Predatory Lending
		Predatory lending means imposing unfair and abusive loan terms on borrowers, often through aggressive sales tactics, taking advantage of borrowers' lack of understanding of extremely complicated transactions, and outright deception.
		Predatory loans turn the dream of homeownership into a nightmare, in the worst instances ending in foreclosure.
		The damage done by Wells Fargo and other predatory lenders is increased by the fact that predatory loans are made in such concentrated volume in poor and minority neighborhoods where better loans are not readily available, and the loss of equity, and foreclosure can devastate already fragile communities.
	www.acorn.org /index.php?id=39 (229 words)

	What To Do About Predatory Loans
		Predatory loans are the new horror of mortgage lending, a subject getting much attention in the media and with good reason.
		If a predatory lender loses a court case, mediation or arbitration, it should also be required to pay the borrower's legal fees and costs.
		No cash from predatory loans should be provided to consumers for "home repairs" during the first three years of the loan term This would impact "contractors" who offer to both fix the property and provide cash to owners -- but forget to mention that the deal is powered by a predatory loan.
	www.realtytimes.com /rtinteractive/20000620_predatory.htm (1459 words)

	Predatory Lending
		Subprime borrowers with blemished credit histories are regarded as high risk and, as a result, predatory lenders take advantage of their vulnerability and weak bargaining position, charging them inflated interest rates and loan points, attaching costly "add-ons" like credit insurance, luring them into repeated fee-ridden refinancings and unaffordable repayment plans.
		Despite FTC's effort against Citigroup predatory lending practices and the adoption of some protections in some states, consumer across the nation continue to be victimized by predatory and near predatory lending practices.
		The predatory lenders and other practitioners of deceptive and unfair credit practices fully expect that the Congress will continue to look the other way when consumer credit protections are mentioned.
	www.commondreams.org /views02/1122-02.htm (1001 words)

	Consumer Connection: ABA Education Foundation - Avoiding Predatory Lending
		Predatory lenders usually push their services on those who need money for medical bills, property taxes or high-priced home repairs by painting their loans as the answer to financial woes.
		But instead of providing access to money with reasonable rates and terms, predatory lenders push loans with exorbitant interest rates and through-the-roof fees, and follow-up collection strategies that are nothing less than harassment.
		Predatory lenders make money from the high fees and closing costs they'll charge you to refinance the loan they knew you couldn't afford to repay in the first place.
	www.aba.com /Consumer+Connection/CNC_pred1.htm (773 words)

	Testimony - Ackelsberg
		Even if the borrower does not default, predatory lenders convince borrowers to refinance their loans and receive a small amount of additional cash to the homeowner, thus taking advantage of the large prepayment penalty typically included in these loans.
		Without such a prohibition, predatory mortgage lenders will still be able to strip equity and will not be forced to make their loans actually competitive.
		Predatory mortgage loans have simply replaced other forms of credit that were not as devastating.
	banking.senate.gov /01_07hrg/072701/aklsbrg.htm (10263 words)

	Predatory Mortgage Lending -- Center for Responsible Lending (Site not responding. Last check: 2007-10-23)
		Predatory mortgage lending drains wealth from families, destroys the benefits of homeownership, and often leads to foreclosure.
		A typical predatory mortgage is a refinance of an existing loan that is packed with excessive or unnecessary fees and provides no tangible benefit to the borrower.
		Predatory mortgage lending affects African Americans, Latinos, women, and the elderly.
	www.responsiblelending.org /abuses (236 words)

	Staff Report on Predatory Lending Practices
		Because there is no definition and no one is quite sure what constitutes predatory lending, the regulatory agencies and the private sector labor under tremendous disadvantages in their effort to produce systematic data on predatory lending.
		The letters from the OCC and NCUA state that the agency does not have data on predatory lending because the financial institutions subject to the particular agency's regulatory authority are not engaged in predatory lending.
		Because the regulators admittedly do not have organized data on predatory lending (hamstrung by the lack of a definition), the letters explain that the regulators are continuing to attempt to collect data actively on these practices.
	banking.senate.gov /docs/reports/predlend/predlend.htm (3013 words)

	Predatory Bender's State Information: Fair Finance Watch / Inner City Press
		The multi-state settlement of charges of predatory real estate lending (through Household's HFC and Beneficial branches) is a matter of public concern; we reiterate our request for a fee waiver and for timely (and incremental) production of the requested records.
		It is in the public interest to disclose the specifics of any and all complaints against Household (and, for comparison's sake, certain of its peers) in Iowa, and to disclose the specifics and background of Household's finalized Settlement in Iowa.
		It prohibits predatory practices in the mortgage loan industry and increases the authority of the Nebraska Department of Banking and Finance to take action against persons engaged in predatory lending practices.
	www.fairfinancewatch.org /ffw/usa/allstates.html (11919 words)

	Inner City Press' Predatory Lending: Toxic Credit in the Inner City, Section 1 (Sample, and links to order, from Inner ...
		The first (sample) chapter of Predatory Lending: Toxic Credit is below on this intentionally text-only page; the first section of the novel Predatory Bender is available here.
		The new buzzword, predatory lending, is becoming a media mainstay.
		To get their employees, the CitiFinancials and HFCs of the world don't say "come and be predatory." Citi for example says, come get on the train before it leaves the station.
	www.innercitypress.org /predatorylending1.html (3876 words)

	DEA Briefs & Background, Drugs and Drug Abuse, Drug Descriptions, Club Drugs
		MAR 3--Larimer County, Colorado - Special Agent in Charge Jeffrey D. Sweetin of the Rocky Mountain Division of the Drug Enforcement Administration is proud to announce a community-wide Predatory Drug Awareness Campaign to prevent drug-facilitated sexual assaults in Larimer County, Colorado, during the week of March 3, 2003.
		"Predatory Drugs" is a term used to identify drugs that can be used to facilitate sexual assault.
		In the late 1990s, law enforcement noticed a new, disturbing trend of rape cases that involved the drugging of victims with chemicals such as rohypnol, GHB, and ketamine.
	www.usdoj.gov /dea/concern/clubdrugs.html (364 words)

	Amazon.com: Books: Are Predatory Commitments Credible?: Who Should the Courts Believe? (Site not responding. Last check: 2007-10-23)
		One such insight is that the predatory commitments of government agencies are likely to be more credible than the predatory commitments of private firms.
		In the 1960s and 1970s, the conventional wisdom in the economics of industrial organization was that monopoly power was pervasive and that a strong antitrust policy was needed to combat such power.
		The Chicago School analysts showed that, in theory, predatory pricing was unlikely to work because it required the predator to lower prices on an increased quantity of product, thereby taking large losses in the short run.
	www.amazon.com /exec/obidos/tg/detail/-/0226493555?v=glance (2171 words)

	Retail Suppliers of Beneficial Organisms, NF94-182 (Site not responding. Last check: 2007-10-23)
		Predatory mites, green lacewings, greenhouse whitefly parasite, convergent lady beetle, Trichogramma egg parasites.
		Free brochure; predatory mites, fly parasites, green lacewings, aphid parasite, whitefly parasites, convergent lady beetle, greenbug parasite, Trichogramma egg parasites.
		Predatory mites, parasitic nematodes, fly parasites, Trichogramma egg parasites, green lacewings, greenhouse whitefly parasites
	ianrpubs.unl.edu /insects/nf182.htm (1262 words)

	Santa Cruz Predatory Bird Research Group at UCSC - HOME
		The Santa Cruz Predatory Bird Research Group (SCPBRG) was formed in 1975 to restore an endangered peregrine falcon population in California.
		The peregrine falcon was removed from the federal endangered species List in 1999 and we are proud to have played a significant role in that success.
		Today, we are a problem-solving resource to government, corporation, and university researchers, and others who require our unique expertise with birds of prey management.
	www2.ucsc.edu /scpbrg (200 words)

	www.myspace.com/predatory
		Predatory's Latest Blog Entry [Subscribe to this Blog]
		Predatory an old school deathmetal band from Singapore formed in mid-2002.
		Released a demo, Ideas to Ponder which consists of 3 tracks.
	www.myspace.com /predatory (1584 words)

	NewsRelease
		The new guidelines incorporate key provisions and central principles of the OCC’s February, 2003 advisory letters alerting national banks to practices that may be considered predatory or abusive and advising national banks on measures to avoid such practices.
		In January 2004, the OCC added a regulatory prohibition on making mortgage loans based predominantly on the bank’s realization of foreclosure or liquidation value of the collateral, without regard to the borrower’s ability to repay the loan according to its terms—a prohibition that addresses a central characteristic of predatory lending.
		The Office of the Comptroller of the Currency was created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers.
	www.occ.treas.gov /scripts/newsrelease.aspx?Doc=ERNFCQX9.xml (493 words)

	Inner City Press' Community Reinvestment Reporter
		Citigroup's predatory lending, now ex-Clintonista Lanny Davis serves as outside counsel to subprimer Fog Cutter Capital Management, defending in a letter in the August 20 N.Y. Times Fog's board's decision to pay ex-CEO Andrew Wiederhorn while he was in jail.
		In other predatory (lender) marketing news, while under investigation in at least 25 states for predatory lending, Ameriquest is paying $4 million to sponsor the tour of aging rockers the Rolling Stones beginning in August.
		Ameriquest is trying to withhold, we perused last week Ameriquest’s proposed settlement of predatory lending claims in four states (California, Texas, Alabama and Alaska).
	www.innercitypress.org /crreport.html (14497 words)

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