Research & Analysis

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HIGHLIGHT

In addition to CRL’s extensive research documenting unfair overdraft practices, the FDIC and the Government Accountability Office have both produced reports outlining the abuses. CRL’s latest estimate of the overall cost of unauthorized overdrafts to Americans every year is $23.7 billion. We have also found that debit overdrafts cost $2 for every dollar “borrowed” from the bank to cover them.

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  • Neglect and Inaction: An Analysis of Federal Banking Regulators’ Failure to Enforce Consumer Protections
    Published: Jul 13 2009      Issue: Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans

    The failure of the bank regulators to protect consumers is a systematic problem that has stretched over at least several decades.

  • 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...

  • Regulatory Restructuring: Enhancing Consumer Financial Products Regulation
    Published: Jun 24 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans

    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...

  • 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...

  • Los sobregiros atrapan a los consumidores
    Published: Jun 1 2009      Issue: Overdraft Loans

    Los bancos y las cooperativas de crédito muchas veces inscriben a sus clientes en la opción más cara para cubrir los sobregiros bancarios—un opción que en realidad la mayoría de los consumidores no...

  • Testimony of Kathleen Keest In Regards To HR 2309
    Published: May 12 2009      Issue: Auto Financing, Credit Cards, Financial Literacy, Overdraft Loans, Payday Loans

    Testimony of Kathleen E. Keest on behalf of the Center for Responsible Lending, Consumer Federation of America, and the National Consumer Law Center before the Subcommittee on Commerce, Trade and...

  • Quick Facts on Overdraft Loans
    Published: Apr 9 2009      Issue: Overdraft Loans

    Brief facts about overdraft loans, largely derived from CRL research

  • Key protections in H.R. 1456 - Consumer Overdraft Protection Fair Practices Act
    Published: Mar 30 2009      Issue: Overdraft Loans

    Listing of major elements in HR 1456, introduced by Rep. Maloney

  • Comments on Regulation E—Overdraft Practices
    Published: Mar 30 2009      Issue: Overdraft Loans

    The Center for Responsible Lending, along with Consumer Action, Consumer Federation of America, Consumers Union, National Association of Consumer Advocates, National Consumer Law Center (on behalf...

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