High-cost financial services providers, including subprime lenders, are undermining the viability of minority and low-cost households, a new report from the Fannie Mae Foundation contends. "It’s clear that those households’ reliance on alternative services leaves them seriously disadvantaged," said Stacy Davis, the Foundation’s president and CEO of a report that seeks to identify the causes of what researches say is a prolific upturn in the use of "fringe" lenders.