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Strategy 3. Review HMDA data annually to see if there appears to be disparities in loan <br />originations and interest rates among borrowers of different protected classes exist. If problems are found, <br />target education focus toward those classes having issues. <br />Impediment 5. Impact of predatory lending <br />Goal 1. Increase public awareness about predatory lending practices <br />Strategy 1. Include Predatory Lending prevention information on "Housing" page of City website. <br />Strategy 2. Conduct surveys of homebuyer incentives after the loans close regarding their <br />experiences with the homebuyer process. <br />Impediment 6. Low income residents have limited resources to maintain homes and neighborhood stability <br />Note: Actions covered under the Lack of Affordable Housing impediment may also address this impediment <br />Goal 1. Support programs that help maintain neighborhood stability <br />Strategy 1. Sponsor neighborhood cleanup activities. <br />Strategy 2. Support the Texas State annual Bobcat Build community service project <br />Strategy 3. Identify and take steps to require removal or repair of substandard structures, which <br />may include providing funding for demolition and clearance activities. <br />Goal 2. Support programs that provide opportunities for neighbors to work together to improve the <br />appearance of their neighborhood <br />Strategy 1. Allow City -owned vacant lots to be used for community garden projects. <br />Strategy 2. Support "Adopt a Spot" programs such as the Keep San Marcos Beautiful Program. <br />Strategy 3. Host / support free or low -cost programs that make it convenient to clean up <br />properties such as the Brush Drop Off, Household Hazardous Waste Collection Site, and Green Guy Recycling <br />program that accepts tires, Freon - containing appliances, and electronics. <br />Strategy 4. Host / support community events that improve neighborhoods such as Texas Trash <br />Off, National Planting Day, and Texas Arbor Day <br />Goal 3. Reduce rehabilitation costs through fee waivers <br />Strategy 1. Continue policy of waiving construction permit fees for CDBG- funded rehab programs <br />and for Public Housing Authority projects. <br />Al Action Plan 3 2014 <br />