The Neighborhood Assistance Corporation of America (NACA) is a non-profit advocacy HUD certified community and home ownership counseling agency. NACA’s confrontational community organizing and revolutionary mortgage product have set the national standard for effective neighborhood stabilization programs.NACA has been in the forefront of attacking predatory lending. The lack of affordable credit to working people creates opportunities for predatory lenders to move in with their high-priced abusive loans. A priority in all of NACA’s campaigns has therefore been to expand the reach of affordable lending. Indeed, NACA’s predatory lending campaigns have all resulted in expanding access to affordable credit to working people and low- and moderate-income communities.