Citizens Against Loan Sharks

Citizens Against Loan Sharks, a project of the WIN Action Organizing Project (WINAOP), organizes residents in Hamilton County to fight foreclosures and stamp out predatory lending as well as addressing the effects of foreclosures such as blighted and vacant houses, crime, and general neighborhood deterioration.
Citizens Against Loan Sharks is currently the largest member group of WINAOP and has been in existence for ten years. Citizens Against Loan Sharks meet on the third Tuesday of every month to provide support, advice and work together to help people across Greater Cincinnati save their homes.
If you are interested in getting involved, e-mail Liz Colombo at

Fear Grows as Millions Lose Jobless Benefits

Deborah Coleman, active WINAOP leader, shared her story in an article about struggling with unemployment - especially after unemployment benefits run out. Click here for the article.

Important Foreclosure News

AIG Settlement: Insurance Giant Agrees To Pay Investors $725 Million to Three Ohio Pension Funds - July 16, 2010
Obama to Sign Reform Bill Into Law
- July 18, 2010 Check out what our Ohio representatives had to say about the legislation.
Goldman Sachs SEC Settlement Reached
- Goldman Sachs pays $550 million to settle the fraud case...while their stock soars. July 16, 2010
Bank of America Sued AGAIN Over HAMP
- July 12, 2010
Banks Less Likely To Foreclose in Hamilton County in 2009
- June 15, 2010 Working In Neighborhoods annual foreclosure data release receives front page coverage from the Cincinnati Enquirer - Click here for WLWT's story and here for WCPO's story
'Anti-K Street' Protest Snarls Traffic in Downtown Washington
- May 17, 2010

Ohio Added to New Federal Foreclosure Program
- March 29, 2010
Bank of America Will Cut Mortgage Loan Amount For Underwater Homes
- March 24, 2010
A Step Toward Real Consumer Protection
- March 22, 2010
Feds defend Ohio's exclusion from foreclosure relief program
 February 25, 2010
Senator Brown Calls On President to Expand Foreclosure Assistance Program to Include Ohio February 24, 2010

Citizens Against Loan Sharks Members Participate in Showdown on K Street

WINAOP leaders took a bus to Washington D.C. over the weekend to participate in the annual National People's Action Conference. 28 leaders and organizers from Citizens Against Loan Sharks/WIN Action Organizing Project and Communities United For Action took a bus from Cincinnati to Washington D.C. to participate in the annual National People’s Action Conference. We went to advocate for financial reform – tired of banks not modifying mortgages and funding payday lenders while giving huge bonuses and using the bail-out money to make record profits in 2009 while the rest of the country suffered, we joined thousands of people from across the country to deliver our message. We visited lobbyists for Bank of America and had a parade down K Street – where all of the bank lobbyists are – with organizations such as the AFL-CIO, SEIU and Jobs with Justice.

Click here to see a video of Reverend Fred Parker share his perspective on Cincinnati in the workshop "Rebuilding Cities that Built America." For more information on this topic, including the Community Regeneration, Sustainability and Innovation Act of 2009 (CRSI), visit the Rebuilding Cities that Built America website.


Citizens Against Loan Sharks Fight For
State Funding for Housing Counseling

Rev. Fred Parker, a member of the Citizens Against Loan Sharks, made local headlines for his participation in a press conference outside his home. He was joined by Representatives Denise Driehaus and Mark Foley and the Executive Director of Communities United For Action Marilyn Evans. They were advocating for state funding for housing counseling in an effort to stem the flow of foreclosures. He shared his story about saving his home from foreclosure through housing counseling. For the full article and video, follow this link:

 Citizens Against Loan Sharks Victories:

 Landmark agreements with the following Mortgage Lenders and Servicers:


 Select Portfolio Servicing (formerly Fairbanks Capital)


 Chase Manhattan

 Litton Loan Servicing

Citizens Against Loan Sharks (CALS) worked to pass Anti-predatory Lending Legislation (SB 185) and met with the Ohio Attorney General and other state officials about implementation of the law.

Successfully worked to pass state legislation that capped the interest rate of PayDay loans at 28%, down from 391%!

Partnered with Communities United For Action to host meetings on vacant and blighted homes in Cincinnati neighborhoods, helping to develop the plan for the Neighborhood Stabilization Program funding that provided $8.3 million for vacant and blighted properties in ten neighborhoods.

Helped to convince Hamilton County officials to fund foreclosure prevention efforts in 2008 and also got an agreement from the Clerk of Courts to send out information in foreclosure notices to explain the foreclosure process and where to go for help.

Hosted officials from the Federal Reserve Bank with Communities United For Action to discuss how the foreclosure crisis has affected Cincinnati.

Help to save hundreds of homeowner’s home through working for loan modifications.

Citizens Against Loan Sharks in the News

Click here for an article on the Housing Forum meetings CALS co-sponsored in 2008.
here for an article about The Crisis Next Door, the foreclosure study for Cincinnati in 2008.
here for an article to read about the Co-Chair of CALS, Roger Davis, speak about the need for partnerships between banks and housing counseling agencies.
Click here to see a video of Citizens Against Loan Sharks protesting predatory payday loans.

Pictures From Citizens Against Loan Sharks Activities

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