Car Title Lending Research and Analysis
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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- Regulatory Restructuring: Enhancing Consumer Financial Products Regulation
June 24, 2009
Kathleen Keest, Senior Policy Counsel at CRL, testified before the House Financial Services Committee on CRL's support for a strong, state-of-the-art consumer protection agency for financial products -- provided that the agency is independent of the companies it regulates, and fully transparent and accountable to the public.
- Interest Rate Survey
March 30, 2009
CRL conducted a national survey to measure public support for one strategy on the table: a 36 percent cap on annual interest rates for consumer loans. The survey found high levels of support for such a measure, which had very little variance across different demographic groups.
- Comment: Implementation of Military Lending Amendment
February 26, 2008
Comments on Implementation of Limitations on Terms of Consumer Credit Extended to Service Members and Dependents
- Debt Detour: The Automobile Title Lending
September 1, 2007
Car title lending report identifying key information on the car title lending industry to inform the public debate on how to best apply nationally recognized small loan consumer protections to the Illinois title loan industry.
- Comment: To Department of Defense on Military Lending Act
February 8, 2007
Comments on Military Lending Act submitted to Department of Defense by Consumer Coalition on Feb. 5, 2007.
- Small Loan CRA Comment
February 2, 2007
CRL Comment to the Federal Deposit Insurance Corporation on its proposed guidelines for affordable small-dollar loans.
- Highlights from Report on Tennessee's Title Lending Industry
February 15, 2006
Highlights from title lending report from Tennessee.
- Report to the TN General Assembly, Pursuant to Public Chapter 440, Acts of 2005, Section 7(e)
February 1, 2006
Public Chapter 440 of the Acts of 2005 significantly amends the Tennessee Title Pledge Act (“Act”), set forth in Title 45, Chapter 15, regarding the operation and regulation of the title pledge industry. Specifically, Public Chapter 440 subjects the title pledge industry to licensing and examination by the Department of Financial Institutions (“Department”).
- Letter to ALEC on Car Title Loans
November 29, 2005
- Préstamos contra el título del automóvil: Conduciendo a los prestatarios a la ruina económica
April 15, 2005
Los préstamos contra el título del automóvil son préstamos de corto plazo con tasas de intéres altas que ponen en peligro el carro del prestatario.