Karen Edwards

Borrowing Trouble: Predatory Lending in Native American Communities

Year

With the collapse of the subprime mortgage lending market, predatory lending has become a significant national concern. In Native communities, however, predatory lending has been a major concern for years, since abusive lending practices have tended to proliferate more in minority and low-income communities than elsewhere.

This paper provides an analysis of survey data collected from attendees at the National American Indian Housing Council meeting in May 2007; survey data collected from Native users of selected Voluntary Income Tax Assistance sites; geo-coded data of payday lenders, bank branches, and Native community development finance institutions; and a national data set of home mortgage loans. This paper also presents five case studies of promising practices and concludes by offering concrete suggestions about the steps Native nations can take to curb the impact of predatory lending on their citizens.

Resource Type
Citation

Jorgensen, Miriam, Sarah Dewees, Karen Edwards. "Borrowing Trouble: Predatory Lending in Native American Communities." First Nations Development Institute. Longmont, Colorado. April 2008. Paper.

Exercising Sovereignty and Expanding Economic Opportunity Through Tribal Land Management

Year

While the United States faces one of the most significant housing crises in the nation’s history, many forget that Indian housing has been in crisis for generations. This report seeks to take some important steps toward a future where safe, affordable, and decent housing is available to Native people in numbers sufficient to meet the housing needs that exist in Indian country today.

This study provides first-of-its-kind analysis of a critical barrier to homeownership on Indian lands. It analyzes the success of tribes that have taken responsibility (in whole or in part) for administering the land title process on tribal lands. It also addresses the challenges those tribes have faced...

Resource Type
Citation

Edwards, Karen, Peter Morris, and Sharon Redthunder. "Exercising Sovereignty and Expanding Economic Opportunity Through Tribal Land Management." The First Nations Development Institute and The NCAI Policy Research Center. Washington, D.C. 2009. Report. (http://www.issuelab.org/resource/exercising_sovereignty..., accessed April 11, 2023)