Miami-Dade Anti-Predatory Lending Program was created to increase the public’s awareness of Predatory Lenders and their practices; to educate the entire community about available resources and financial alternatives; and to empower homeowners with the knowledge to make informed financial decisions that will help them “keep their homes”.

As the lead agency for the Miami-Dade County Anti-Predatory Lending Initiative, the Housing Finance Authority of Miami-Dade County coordinates periodic workgroup meetings comprising of Local, State and Federal agencies, Legal Services and Legal Aid, local housing non-profits, CDC’s and banks. The APLP works cooperatively to address community concerns about predatory lending and to reduce the home foreclosure rate throughout Miami-Dade County.

Every year homeowners and prospective homebuyers fall victim to predatory lenders. The elderly and minority and low-income families are most likely to be caught in the web of deceptive negotiations, "bait and switch" tactics and lasting financial difficulties.

Abusive lending practices have become a prevailing problem in many communities, threatening to strip financial security from borrowers who are trying to enjoy the benefits of economic prosperity.