CRL conducts in-depth research on the extent and impact of predatory lending, to provide useful information to consumers, community advocates, and policymakers alike. We also share our market and legal knowledge with advocates and policymakers across the nation interested in reforming lending practices.

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  • FHFA Director Responds to Housing Advocates: Broadening Mortgage Access is a 2015 Priority
    Published: Dec 18 2014      Issue: Mortgage Lending

    In mid-November, CRL joined with the National Consumer Law Center (NCLC) and several other consumer and civil rights advocates, wrote FHFA calling for revised underwriting standards that would...

  • CRL's Negotiated Rulemaking Comments
    Published: Nov 25 2014      Issue: Student Loans

    Senior Policy Council Maura Dundon submitted testimony to the Department of Education on its 2015 rulemaking agenda.

  • Gainful Employment: A Civil Rights Perspective
    Published: Nov 3 2014      Issue: Student Loans

    CRL and seven other civil rights organizations jointly authored a policy brief that shares the adverse impacts students of color experience and a primary impetus for a strong gainful employment rule.

  • CRL Comment on HMDA Changes
    Published: Oct 29 2014      Issue: Mortgage Lending

    On October 29, the Center for Responsible Lending joined a coalition of consumer and civil rights organization to comment on the proposed changes to the Home Mortgage Disclosure Act (HMDA)...

  • Three Ways to Fix Private Student Loan Troubles
    Published: Oct 27 2014      Issue: Student Loans

    This thoughtful op ed highlights key problems with private student loans and also offers ways regulators can better assist consumers.

  • Attorneys General in 14 States Support More Accountability From For-Profit Colleges
    Published: Oct 8 2014      Issue: Student Loans

    Attorneys General representing states in the South, Midwest, Southwest and Northeast stand united in support of progressive reforms affecting for-profit college accountability.

  • 2013 HMDA: Data Show People of Color Being Left Behind in Slowly Recovering Mortgage Market
    Published: Sep 30 2014      Issue: Mortgage Lending

    The 2013 mortgage data submitted by lenders under the Home Mortgage Disclosure Act (HMDA) reflects a slowly recovering mortgage market that troublingly continues to under-serve important market...

  • CRL Comment on CFPB Complaint Narratives
    Published: Sep 22 2014      Issue: Student Loans

    This comment supports the CFPB's proposal to make consumer complaint narratives public, and emphasizes the need to do this in the context of student loans. It also provides recommendations on how...

  • CRL President Mike Calhoun Testifies Before Senate Banking Committee
    Published: Sep 16 2014      Issue: Mortgage Lending

    On September 16, CRL President Mike Calhoun delivered testimony before the Senate Banking Committee at a hearing called “Examining the State of Small Depository Institutions.”

  • G-Fees Should be Lowered, not Raised
    Published: Sep 15 2014      Issue: Mortgage Lending

    As the Federal Housing Finance Agency (FHFA) considers how best to manage mortgage risk CRL responded to its offer for comments. Discouraging fees that would create unnecessary barriers to...

  • No Need for Higher MI Fees with QM
    Published: Sep 15 2014      Issue: Mortgage Lending

    Consumers with lower credit scores often also have low down payments when purchasing a home. As a result, fees for mortgage insurance are added to payments. In these comments, CRL argues for these...

  • Comment on the Hearing on Financial Products for Students: Issues and Challenges
    Published: Aug 1 2014      Issue: Student Loans

    The Center for Responsible Lending (CRL) is pleased to provide a comment for the record on some of the issues covered in the Senate Banking Committee’s hearing, “Financial Products for Students:...

  • Letter of Support for Higher Education Act
    Published: Jun 25 2014      Issue: Student Loans

    This letter is written to the Chairman of the HELP Committee, Senator Tom Harkin (D – IA), as he seeks to reauthorize the Higher Education Act.

  • Comments on Amendments to the 2013 Mortgage Rules
    Published: Jun 16 2014      Issue: Mortgage Lending
  • CRL Supports Proposed CFPB Amendments to Qualified Mortgage Rule (QM)
    Published: Jun 16 2014      Issue: Mortgage Lending

    In these comments, CRL expresses general support for the Consumer Financial Protection Bureau’s proposals to amend the 2013 Mortgage Rules under the Truth in Lending Act (Regulation Z).

  • Coalition Comment Letter on Proposed Gainful Employment Regulation
    Published: May 28 2014      Issue: Student Loans

    CRL added its support to a broad coalition calling for the Department of Education to ensure that its final gainful employment rulemaking must be strengthened to protect both students and taxpayers.

  • Gainful Employment Regulations Needed to Protect Students
    Published: May 28 2014      Issue: Student Loans

    Reforming for-profit college lending is a critical consumer protection need. For-profit colleges aggressively market their education programs and, in many cases, fail to provide a useful education...

  • Car Title Lenders Ignore Ability to Repay
    Published: May 13 2014      Issue: Car Title Loans

    Car title loans, like payday loans, are marketed as a quick financial fix, but lead to long-term debt and carry 300% annual interest rates. A typical borrower pays twice as much in interest and...

  • Comments to CFPB: Eliminate Harmful Practices in Debt Buying and Debt Collection
    Published: May 7 2014      Issue: Debt Collection

    Responding to an Advance Notice of Proposed Rulemaking, CRL addresses harmful practices that have become common in the debt buying and third-party debt collection industries. Debt buyers typically...

  • Letter to OCC: Improving Documentation When Banks Sell Debt
    Published: May 7 2014      Issue: Debt Collection

    CRL and several other consumer and civil rights organizations commend the Office of the Comptroller of the Currency for issuing best practices on banks’ sales of charged-off consumer debt. They...

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