Harvard reports urge uniform oversight of mortgage lenders

Fair lending practices of subprime lenders allegedly get less scrutiny

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Two reports by Harvard University academics conclude that a lack of uniform regulations allow independent mortgage lenders to operate with less oversight of their compliance with laws intended to prevent discriminatory and unfair lending practices

The aggressive marketing of subprime mortgage loans during the housing boom confused or misled many consumers about the terms offered by non-bank lenders and mortgage brokers, t