Research & Analysis
CRL conducts in-depth research on the extent and impact of predatory lending to provide useful information to consumers, community advocates, and policymakers, like the Consumer Financial Protection Bureau. We also share our market and legal knowledge with advocates and the CFPB in hopes of reforming lending practices. Below you will find CRL's CFPB research and policy analyses, including our testimony and comment letters to the bureau.
- Consumer Financial Protection Agency will Help American Families and our Economy
February 7, 2011
Consumer spending comprises 70% of the U.S. economy, so restoring consumer confidence and demand for products is vital to creating jobs. This is more likely to happen if consumers know that the financial marketplace is fair and safe for everyone. Therefore, Congress should promote a strong, engaged Consumer Financial Protection Bureau.
- Consumer Financial Protection Bureau--Overview of Key Provisions
September 1, 2010
Overview of CFPB describes its structure, funding, duties and how it will work with the states to enforce consumer protections.
- Financial Regulatory Reform: The Consumer Financial Protection Bureau & Key Mortgage Provisions
August 14, 2010
Presentation on key provisions of the Dodd-Frank financial reform law, relating to the Consumer Financial Protection Bureau and mortgage lending
- Top Priorities for Real Financial Reform
June 16, 2010
For the final financial reform bill that will be considered and voted on by the House and Senate joint conference committee, there are three issues vital in protecting taxpayers from another crisis in the future.
- Financial Reform Conference: Sensible Standards and Accountability are Crucial for Home Loans
June 9, 2010
As the House-Senate conference committee finalizes financial reform, there are three major issues for mortgages: better lending standards, accountability for illegal lending, and foreclosure prevention.
- The Consumer Financial Protection Agency Should Be Independently Funded
June 7, 2010
To ensure that the CFPA is independent of the industry it is trying to regulate, Congress must ensure that the funding source remains independent of political pressure.
- Single Director, Not a Commission, Should Head Consumer Financial Agency
June 7, 2010
The Consumer Financial Protection Agency should be headed by a strong, independent-minded director, rather than a five-member commission, to ensure that the Consumer Financial Protection Agency is free from industry influence and costly delays.
- Myths vs. Facts about the Consumer Financial Protection Bureau
April 23, 2010
The Consumer Financial Protection Bureau would actually reduce regulatory burden while increasing safety and soundness and making loans more affordable.
- Comparison of Consumer Financial Protection Agency Bills
March 18, 2010
How Does Dodd’s Latest Financial Reform Bill Measure Up On Consumer Protection? Comparison of Senate, House, and Administration CFPA Bills from Think Progress: http://wonkroom.thinkprogress.org/2010/03/15/cfpa-chart/.
- The Consumer Financial Protection Agency: What You Need to Know
October 30, 2009