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Consumer Reports is an independent nonprofit organization that works for a fair, safe and transparent marketplace.

Since we were founded as Consumers Union in 1936, we have advocated for the rights of all consumers. Now, we are united under the Consumer Reports name, bringing together our trusted testing, research, journalism, and advocacy.

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Home Equity Reform for Texas

As most subprime lenders will explain, risk-based pricing is not necessarily a bad
thing. Subprime lending—the practice of setting a higher price on a loan to a riskier
borrower—has enabled families with a history of problem credit to get homes. Homeownership brings asset growth through equity building, and the vast
majority of these borrowers pay their new mortgage in full and on time