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Predatory Lending, the Mortgage Meltdown, and Disparate Impact



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Last week, the House Constitution Subcommittee held hearings that covered an intriguing blend of issues: “predatory lending,” the mortgage meltdown, and the “disparate impact” enforcement of civil-rights laws. The lead witness was Thomas Perez, head of the Justice Department’s civil rights division. All of the other witnesses were also on the left side of the aisle, alas, except for yours truly. You can read my testimony here.



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