미국 금융위기 이후 모기지론 채무조정 소비자문제와 소비자보호정책

• 영문명: Consumer Complaints and Consumer Protection Regulation Related to Mortgage Loan Modification in the United States
• 발행기관: 충북대학교 생활과학연구소
• 저자명: 김성숙(Kim, Sungsook) 홍연금(Hong, Yeon-Geum)
• 간행물 정보: 『생활과학연구논총』생활과학연구논총 제25권 제1호, 121~137쪽, 전체 17쪽
• 주제분류: 자연과학 > 생활/식품과학
• 파일형태: PDF
• 발행일자: 2021.04.30

영문 초록

After the financial crisis in the United States, many homeowners had experienced the highest foreclosure possibility. Multiple federal, state, and private mortgage loan modification programs have been adopted to address the crisis. The mortgage loan modification is the core program to help the homeowners retain their houses. This study examines consumer complaints and consumer protection regulations related to U.S. mortgage loan modification. Results reveal the following types of consumer complaints related to the mortgage loan modification: lender’slow willingness to participate in the loan modification program, lack of information about the application for a loan modification, dual tracking, and credit information errors. The Real Estate Settlement Procedure Act of the federal government is the law enacted to protect homeowners facing foreclosure from 2014. There is the Homeowner Bill of Rights (HBOR) in California. Two regulations were examined to determine implications for consumer protection to improve mortgage loan modification procedure in Korea.

목차

Ⅰ. 서론

Ⅱ. 미국의 공적 모기지론 채무조정 프로그램의 개요

Ⅲ. 미국 CFPB 모기지론 채무조정 관련 소비자문제 유형

Ⅳ. 미국 금융위기 이후 모기지론 채무조정관련 소비자보호 정책

Ⅳ. 결론 및 제언

키워드

Financial Crisis Mortgage Loan Modification Financial Consumer Protection Consumer Complaints RESPA HBOR