Association of Community Organizations for Reform Now. 2002. Separate and unequal 2002: Predatory lending in America. (On-line: cited 16 March 2004). A report outlining characteristics of subprime and predatory loan borrowers.

Carr, James H., and Lopa Kolluri. 2001. Predatory lending: An overview. (On-line: cited 16 March 2004). A good description of the various practices that singly or in combination constitute predatory lending.

Clevenger, Ruth, and Virginia Hopley. 2002. “Who has the authority to regulate predatory lending?” Community Reinvestment Forum (Fall). (On-line: cited 16 March 2004). A policy-oriented issue dedicated to predatory lending issues.

Goldstein, Deborah. 1999. Understanding predatory lending: Moving toward a common definition and workable solutions. (On-line: cited 16 March 2004). A good description of predatory lending as part of a continuum of lending practices.

Gramlich, Edward M. 2000. Predatory lending. Cascade (Summer/Fall). (On-line: cited 16 March 2004). A short overview, emphasizing the differences and connections between subprime and predatory lending.

Hirad, Abdighani, and Peter M. Zorn. 2001. A little knowledge is a good thing: Empirical evidence of the effectiveness of pre-purchase homeownership counseling. (On-line: cited 16 March 2004). A matched study of 40,000 participants in a pre-purchase counseling program found significantly lower rates of delinquency among borrowers who completed the counseling.

U.S. Department of Housing and Urban Development. 2000. Curbing predatory home mortgage lending. (On-line: cited 16 March 2004). A four-point plan to curb predatory lending, focusing on legislative solutions and consumer education.

U.S. Department of Housing and Urban Development. 2003. Predatory lending. FieldWorks (March/April). (On-line: cited 16 March 2004). This issue is devoted entirely to predatory lending issues and promising programs.

Wiranowski, Mark. 2003. Sustaining home ownership through education and counseling. (On-line: cited 16 March 2004). A thorough analysis of counseling services. Wiranowski recommends that counseling begin before borrowers begin house hunting and continue through the purchase process.