Our affiliate, the Center for Responsible Lending (CRL), has worked for over a decade to highlight the problems of predatory lending and push for policy changes that have saved American household millions of dollars annually. See CRL's website for more details. Our Home Loan Secondary Market Program is another example of our national work. We purchase portfolios of home loans from other lenders, providing them more funds to invest in the communities they serve. This program has touched on all fifty states, providing $5.6 billion in capital and reaching more than 50,000 home buyers. We have also provided direct financing to community projects across the country, including these: Public charter schools in 16 states, Affordable housing projects in 7 states A Gary, Indiana grocery store in a neighborhood lacking healthy food choices Residents in New Haven show off a Thanksgiving turkey.