largely white and the other largely black, found that branches in the black community offered largely subprime loans and almost no prime loans. Studies found out that high-income blacks were almost twice as likely to end up with subprime home-purchase mortgages as low-income whites. Loan officers were clearly aware that they were exploiting their customers, in some cases referring to blacks as "mud people" and to subprime lending as "ghetto loans". A lower savings rate and a distrust of banks stemming from a legacy of redlining may help explain why there are fewer branches in minority neighborhoods. In recent years while subprime loans were not sought out by borrowers, brokers and telemarketers actively pushed them. A majority of the loans were refinance transactions allowing homeowners to take cash out of their appreciating property or pay off credit card and other debt. Several state attorneys general have begun investigating these practices which may violate fair lending laws, and the N.A.A.C.P. have filed a class-action lawsuit charging systematic racial discrimination by more than a dozen banks. These suits have met with some success. Occupy Our Homes Reverse redlining has been cited as justification for the Occupy Our Homes movement. In Occupy Our Homes, protesters camp out at a person's foreclosed home to gain concessions from the lender, such as a delay in eviction. Laws Equal Credit Opportunity Act Under the Equal Credit Opportunity Act ("ECOA"), a creditor may not discriminate against an applicant based on the applicant's race, color, or national origin "with respect to any aspect of a credit transaction", 15 U.S.C. § 1991. Fair Housing Act Under the Fair Housing Act ("FHA") (Title VIII of the Civil Rights Act of 1968), it is "unlawful for any person or other entity whose business includes engaging in residential real estate-related transactions to discriminate against any person in making available such a transaction, or in the terms or conditions of such a transaction, because of race, color, religion, sex, handicap, familial status, or national origin". 42 U.S.C. § 3605. Section 3605, although not specifically naming foreclosures, discrimination in "the manner in which a lending institution forecloses a dlinquent or defaulted mortgage note" falls under the realm of the "terms or conditions of such loan". Harper v. Union Savings Association, 429 F.Supp. 1254, 1258-59 (N.D. Ohio 1977). The Office of Fair Housing and Equal Opportunity is charged with administering and enforcing the Fair Housing