washington massive change consumer financial protection bureau financial reform law establish could hurt u.s. mortgage borrowers use agency fight erroneous charge foreclosures accord trulia online real estate marketplace president donald trump recently order review dodd-frank wall street reform law create cfpb 2007-09 financial crisis protect individuals fraud bad lend eye cut meanwhile congress consider legislation radically reorganize cfpb way many bureau supporters say would defang could blow thousands mortgage borrowers use cfpb dispute resolution act intermediary case manage editor trulia economics research team david weidner write analysis release wednesday use complaint data cfpb span dec. 2011 april 10 2017 trulia find borrowers house market hard hit mortgage crisis expensive areas rely heavily cfpb help deal loan complaint rate high miami florida 1.6 percent mortgage holders turn bureau compare 0.46 percent nationally even though members arm service represent 1.2 percent work age population make percent mortgage complaints vein people 62 old represent 10 percent complaints high proportion give roughly 80 percent americans home time turn 65 trulia say researchers also find since 2012 complaints veterans affairs federal house administration reverse mortgage spike first two part federal program intend make house affordable veterans low-income workers reverse mortgage payments financial service firm make people home principal interest fee deduct future sale house increasingly popular among retire may real estate short cash three type loan complaints double four years accord trulia say high rate cause lack expertise lenders servicers may specialize products u.s. consumers could suffer dodd-frank cfpb change property site