The Federal Reserve is working over the weekend to give home buyers more protection from the types of shady lending practices that have contributed to the housing crisis that created the foreclosure mess.

The Federal Reserve is expected to approve a plan Monday that would crack down on dubious lending practices that have hurt many of the riskiest "sub-prime" borrowers - people with tarnished credit histories or low incomes.

The plan would apply to new loans made by thousands of lenders, including banks and brokers. It would not cover current loans.

Proposed rules made public in December would:

- restrict lenders from penalizing risky borrowers who pay loans off early.
- require lenders to ensure those borrowers set aside money to pay for taxes and insurance.
- bar lenders from making loans without proof of a borrower's income.
- prohibit lenders from engaging in a pattern or practice of lending without considering a borrower's 
   ability to repay a home loan from sources other than the homes value.
- curtail misleading ads for many types of mortgages.
- bolster financial disclosures to borrowers.

Consumer groups have complained that the new rules are not strong enough. Lenders worry they are too tough, could limit mortgage options for people and made it harder for some to obtain financing.