Car Title Lending Research and Analysis 

 

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Car title loans are short-term, high-interest loans secured by the title of a used vehicle.  While car title lenders market their product as a way for families to overcome a financial emergency, more often than not those families are driven deeper into an endless cycle of debt.

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  • The State of Lending: Car-Title Loans
    Published: Jul 11 2013      Issue: Car Title Loans

    Car-title lending—making expensive loans secured by the title of a vehicle a borrower owns out-right—has become a multi-billion dollar industry in the U.S. over the last decade. CRL estimates that...

  • Driven to Disaster: Car-Title Lending and Its Impact on Consumers
    Published: Feb 28 2013      Issue: Car Title Loans

    Research from CRL and Consumer Federation of America finds that car-title loans cost U.S. consumers $3.6 billion in interest on $1.6 billion in loans. According to the research, car-title lenders...

  • CRL's Testimony: A National Payday Charter Is A Bad Idea
    Published: Jul 24 2012      Issue: Car Title Loans, Consumer Financial Protection Bureau, Installment Loans, Payday Loans

    Testimony of Kenneth W. Edwards Vice President of Federal Affairs, Center for Responsible Lending, before the House of Representatives Committee on Financial Services Subcommittee on Financial...

  • Consumer Financial Protection Agency Could Have Stopped Abuses that Plague Americans Today
    Published: Oct 23 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans

    CRL shares stories of everyday people affected by financial abuse and emphasizes the need for the Consumer Financial Protection Agency to ensure that they and others are protected from such abuses...

  • Consumer Financial Protection Agency Could Have Stopped Abuses that Plague Americans Today
    Published: Oct 23 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans

    CRL shares stories of everyday people affected by financial abuse and emphasizes the need for the Consumer Financial Protection Agency to ensure that they and others are protected from such abuses...

  • CRL Supports Indiana’s Regulation of Car Title Lending
    Published: Jul 21 2009      Issue: Car Title Loans

    In this legal brief CRL, joined by several allies, explains why car title lenders are wrong in asserting that the U.S. Constitution allows them to avoid Indiana’s 36% rate cap by opening up shop on...

  • Highlights from Report on Tennessee's Title Lending Industry 2008
    Published: Jul 1 2009      Issue: Car Title Loans

    In these brief we present some of the highlights of the report conducted by the Tennessee Department of Financial Institutions on the $73 million title lending industry in Tennessee.

  • Financial Reform that Protects Consumers
    Published: Jun 25 2009      Issue: Auto Financing, Car Title Loans, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans

    For years, federal bank regulators looked the other way; now Congress has a chance to reform our system of checks and balances, make banks accountable, and protect consumers from abusive financial...

  • Financial Reform that Protects Consumers
    Published: Jun 25 2009      Issue: Auto Financing, Car Title Loans, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans

    For years, federal bank regulators looked the other way; now Congress has a chance to reform our system of checks and balances, make banks accountable, and protect consumers from abusive financial...

  • Six Principles for Real Reform: Balancing Bank Safety and Sensible Lending
    Published: Jun 24 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans

    As Congress considers how to address improving consumer protection and regulation of our financial system going forward over the next several months, we offer six essential principles for achieving...

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