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At $1.5 trillion, it trails only $8.8 trillion in home mortgages as Americans’ main debt obligation. And it will only get worse. The Congressional Budget Office estimates that $1.27 trillion in new.

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Home Mortgage Disclosure Act. Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials.

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Sage Bank, a small community bank in Lowell, will spend $1.2 million to settle allegations by the US Department of Justice that it charged African-American and Hispanic borrowers more for their home.

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