The Consumer Financial Protection Bureau (CFPB) is taking action to prevent predatory lending practices in the form of 'contract for deed' arrangements that target religious communities. This move is part of a broader effort by the CFPB to address unfair practices, such as junk fees and medical debt affecting credit reporting. The agency has already returned $21 billion to Americans. Additionally, the CFPB has issued an advisory opinion on the applicability of the Truth in Lending Act (TILA) and Regulation Z to contracts for deed. In a related development, the Federal Housing Administration (FHA) has finalized a rule to modernize engagement with mortgagors in default.