Americans For Fairness In Lending

About Me

Americans For Fairness In Lending (AFFIL)is the collaborative effort of numerous partner and ally organizations, each contributing their expertise to AFFIL and the public through AFFIL activities. As a group, we are raising the volume of our collective outrage and shining a spotlight on predatory and unfair lending practices.
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Check out Maxed Out, the documentary that takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of "preferred customer" and tells us why the poor are getting poorer while the rich keep getting richer.
Credit card companies sign you up even if you have little or no income, knowing you'll trigger high "penalty" interest rates and fees. That's where they make their big $$$.
College students, young workers, immigrants, the elderly and others who are not aware of the traps get solicited the most and hit the hardest.
Free t-shirts, frisbees and pizza come at a dangerous cost. Your signature can lock in very unfair terms.
Credit card companies hire students to get their friends to sign up for cards that are filled with hidden fees and unfair terms.
And that's just credit cards! The subprime mortgage debacle is the same story of greed and abuse - not to mention abusive payday loans, car title loans, car financing, and more.
Don't Get F#%??D!

My Interests

Abusive lending practices are hurting Americans. The lending industry continues to encourage and profit from our debt, and our government is not doing enough to stop the abuses and regulate the industry. We need to raise our voices together and make our outrage heard.

Hereâ€™s your chance to make your commitment to fair lending official. To endorse AFFILâ€™s Principles of Fairness in Lending, click here:

Endorse the Principles of Fairness in Lending

Subscribe to our e-newsletter!

I'd like to meet:

YOU!

Join us in the fight against predatory lending practices!!!

My Blog

Matching Up the Horse with the Head

Back in March, Representative Barney Frank said that the consumer movement is like a "horseless headman," and AFFIL Campaign Manager, Sarah Byrnes elaborated on this sentiment in here blog post, Is th...
Posted by Americans For Fairness In Lending on Wed, 25 Jun 2008 06:28:00 PST

Help End Unfair and Abusive Credit Card Practices!

Have you received your credit card bill, only to realize that that it was due so soon that you have to pay it right away? Do you think it's unfair when your credit card company suddenly decides to a...
Posted by Americans For Fairness In Lending on Wed, 11 Jun 2008 08:27:00 PST

Action Alert: Tell the Federal Reserve Board to End Credit Card Tricks and Traps!

Tell the Federal Reserve Board to end credit card tricks and trapsThe Federal Reserve Board and two other federal banking agencies have released a proposed rule that aims to reform some of the most un...
Posted by Americans For Fairness In Lending on Fri, 23 May 2008 10:24:00 PST

Take Action: Tell Congress that youre OUTRAGED!

Tell Congress that you're OUTRAGED by predatory lending!Loans and other financial products are complex. They are potentially helpfuland also potentially extremely destructive. Accordingly, loan produc...
Posted by Americans For Fairness In Lending on Tue, 04 Mar 2008 01:46:00 PST

AFFILs top 10 reasons to care about predatory lending. Whats yours?

Ever have trouble explaining to your friends and family why they should care about "predatory lending"? I know I have, so we devised these ten talking tips for just that conversation. They are on our ...
Posted by Americans For Fairness In Lending on Wed, 30 Apr 2008 08:24:00 PST

Stop Debt Disease

http://www.youtube.com/watch?v=VPXUSV_SYv4 Angel Ho, of Philadelphia, Pennsylvania, a student at the University of Pennsylvania is the winner of the KeepItInYourPants PSA video contest. Con...
Posted by Americans For Fairness In Lending on Fri, 25 Apr 2008 10:33:00 PST

Ohio Treasurer Richard Cordray Endorses the AFFIL Principles

Statement from Treasurer Cordray:(April 11, 2008) As Ohio's Treasurer I believe strongly that all Ohioans must understand and be able to manage their own financial affairs. The six principles th...
Posted by Americans For Fairness In Lending on Fri, 18 Apr 2008 11:21:00 PST

Bankruptcy up 38% and climbing!

Lack of regulation of manipulative lenders has led to an explosion of foreclosures across the country, but it seems mortgages aren't the only loans spiraling out of control. Bankruptcy filings rose 38...
Posted by Americans For Fairness In Lending on Fri, 18 Apr 2008 08:23:00 PST

Take Action: Ask Senator McCain to Endorse the AFFIL Principles

Both Democratic presidential candidates have endorsed the AFFIL Principles of Fairness in Lending. Read their full statements here.However, even after many repeated attempts, Senator McCain has ...
Posted by Americans For Fairness In Lending on Thu, 10 Apr 2008 11:33:00 PST

Communities remain segregated and discrimination continues

National Fair Housing Alliance Report Details Low Level of Enforcement by Federal Government in 40 Years since Passing Landmark Housing LegislationWashington, DC This Friday marks the 40th anniversa...
Posted by Americans For Fairness In Lending on Tue, 08 Apr 2008 01:11:00 PST