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- Predatory_lending abstract "Predatory lending is the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process. While there are no legal definitions in the United States for predatory lending, an audit report on predatory lending from the office of inspector general of the FDIC broadly defines predatory lending as "imposing unfair and abusive loan terms on borrowers." Though there are laws against many of the specific practices commonly identified as predatory, various federal agencies use the phrase as a catch-all term for many specific illegal activities in the loan industry. Predatory lending should not be confused with predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.One less contentious definition of the term is "the practice of a lender deceptively convincing borrowers to agree to unfair and abusive loan terms, or systematically violating those terms in ways that make it difficult for the borrower to defend against." Other types of lending sometimes also referred to as predatory include payday loans, certain types of credit cards, mainly subprime, or other forms of (again, often subprime) consumer debt, and overdraft loans, when the interest rates are considered unreasonably high.Although predatory lenders are most likely to target the less educated, the poor, racial minorities, and the elderly, victims of predatory lending are represented across all demographics.Predatory lending typically occurs on loans backed by some kind of collateral, such as a car or house, so that if the borrower defaults on the loan, the lender can repossess or foreclose and profit by selling the repossessed or foreclosed property. Lenders may be accused of tricking a borrower into believing that an interest rate is lower than it actually is, or that the borrower's ability to pay is greater than it actually is. The lender, or others as agents of the lender, may well profit from repossession or foreclosure upon the collateral.".
- Predatory_lending wikiPageExternalLink index.shtml.
- Predatory_lending wikiPageExternalLink www.affil.org.
- Predatory_lending wikiPageExternalLink Mortgage_Fraud_Case_Study_eBook.php.
- Predatory_lending wikiPageExternalLink ?p=128.
- Predatory_lending wikiPageExternalLink 0100bradley.html.
- Predatory_lending wikiPageExternalLink predatory.htm.
- Predatory_lending wikiPageExternalLink d04280.pdf.
- Predatory_lending wikiPageExternalLink loanfraud.cfm.
- Predatory_lending wikiPageID "924687".
- Predatory_lending wikiPageRevisionID "598786714".
- Predatory_lending hasPhotoCollection Predatory_lending.
- Predatory_lending subject Category:Banking.
- Predatory_lending subject Category:Loans.
- Predatory_lending subject Category:United_States_housing_bubble.
- Predatory_lending subject Category:Urban_politics_in_the_United_States.
- Predatory_lending type AdministrativeDistrict108491826.
- Predatory_lending type Country108544813.
- Predatory_lending type District108552138.
- Predatory_lending type Location100027167.
- Predatory_lending type Object100002684.
- Predatory_lending type PhysicalEntity100001930.
- Predatory_lending type Region108630985.
- Predatory_lending type UnitedStatesHousingBubble.
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- Predatory_lending type YagoLegalActorGeo.
- Predatory_lending type YagoPermanentlyLocatedEntity.
- Predatory_lending comment "Predatory lending is the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process.".
- Predatory_lending label "Predatory lending".
- Predatory_lending label "Кабальное кредитование".
- Predatory_lending sameAs Predátorské_úvěrování.
- Predatory_lending sameAs m.03qf3t.
- Predatory_lending sameAs Q949033.
- Predatory_lending sameAs Q949033.
- Predatory_lending sameAs Predatory_lending.
- Predatory_lending wasDerivedFrom Predatory_lending?oldid=598786714.
- Predatory_lending isPrimaryTopicOf Predatory_lending.