{"id":44008,"date":"2008-01-17T10:15:05","date_gmt":"2008-01-17T15:15:05","guid":{"rendered":"http:\/\/ncrcdev.local\/national-studies-of-lending-trends\/"},"modified":"2022-03-08T17:27:29","modified_gmt":"2022-03-08T22:27:29","slug":"national-studies-of-lending-trends","status":"publish","type":"post","link":"https:\/\/ncrc.org\/national-studies-of-lending-trends\/","title":{"rendered":"National Studies of Lending Trends"},"content":{"rendered":"<p>With new information in HMDA data concerning high-cost loans, NCRC has created a series of studies documenting that minorities, women and the elderly receive a disproportionate amount of high-cost or subprime loans.\u00a0 When a group of borrowers receives a disproportionate amount of such loans, excessive fees, interest rates and other unfair practices become more likely, as this group of borrowers faces few product choices and does not benefit from robust competition among lenders.\u00a0\u00a0 NCRC&#8217;s studies have shown that, after 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<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With new information in HMDA data concerning high-cost loans, NCRC has created a series of studies documenting that minorities, women and the elderly receive a disproportionate amount of high-cost or subprime loans.\u00a0 When a group of borrowers receives a disproportionate amount of such loans, excessive fees, interest rates and other unfair practices become more likely, [&hellip;]<\/p>\n","protected":false},"author":926,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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new information in HMDA data concerning high-cost loans, NCRC has created a series of studies documenting that minorities, women and the elderly receive a disproportionate amount of high-cost or subprime loans.\u00a0 When a group of borrowers receives a disproportionate amount of such loans, excessive fees, interest rates and other unfair practices become more likely,&hellip;","_links":{"self":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/44008","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/users\/926"}],"replies":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/comments?post=44008"}],"version-history":[{"count":0,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/44008\/revisions"}],"wp:attachment":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media?parent=44008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/categories?post=44008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/tags?post=44008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}