Meanwhile, Gupta says there's a lot to be done. Just one example: Millions of American homeowners have been able to skip mortgage payments if they lost income during the pandemic. Congress mandated that flexibility for most mortgages under the CARES Act to prevent foreclosures during the pandemic. And lenders are not supposed to stick people with unaffordable repayment plans. "The CFPB can make sure that banks and financial companies are actually following those rules," Gupta says. The pandemic recession has hit many lower-income communities hardest. Aracely Panameño, director of Latino affairs

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