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Lax oversight contributes to high foreclosure rate

Geoff Dutton and Jill Riepenhoff of The Columbus Dispatch investigated Ohio's high foreclosure rate, "a problem fueled by a weak economy, aggressive mortgage brokers, financial overreaching and tepid state oversight.". The newspaper analyzed Home Mortgage Disclosure Act data, obtained U.S. Department of Housing and Urban Development audit reports of homebuilders through the federal Freedom of Information Act, and analyzed state and county foreclosure records and sheriff's sales data. On the second day of the series, state lawmakers from both political parties vowed to tighten Ohio's loose regulation of the mortgage industry. (Note: For reporters interested in pursuing similar stories, IRE and NICAR offer a beat book, "Home Mortgage Lending: How to detect disparities," as well as Home Mortgage Disclosure Act data.)

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