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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  • Expanding, Streamlining Mortgage Refinances
    Published: Jun 27 2012      Issue: Mortgage Lending

    The Boxer-Menendez bill to expand refinances offers a bipartisan opportunity to help homeowners and boost the economy. The bill would more than double the number of homeowners who could refinance...

  • FDIC Promises Investigation of Bank Payday Lending
    Published: May 31 2012      Issue: Bank Payday Loans, Payday Loans

    The FDIC has promised that to make investigation of bank payday lending a priority investigation. In response to a letter submitted by 250 advocates, Acting Chairman Martin Gruenberg said the...

  • Are prepaid credit cards helping or hurting consumers?
    Published: May 25 2012      Issue: Consumer Financial Protection Bureau, Credit Cards, Prepaid Cards

    Martin Eakes remarks on prepaid cards before a CFPB field hearing.

  • Regulatory Compliance Costs and Small Financial Institutions
    Published: May 9 2012      Issue: Consumer Financial Protection Bureau, Mortgage Lending

    CRL President Michael Calhoun testifies before a House Financial Services subcommittee on the benefits of strong lending protections. Financial reform, including the CFPB, is good for American...

  • Refinancing: Helping Responsible Homeowners Save Money
    Published: Apr 25 2012      Issue: Mortgage Lending

    Interest rates are at historic lows, but many homeowners who could benefit from these low rates have not refinanced their higher-rate mortgage. In this testimony, CRL President Michael Calhoun...

  • Comments to the Consumer Financial Protection Bureau on Payday Lending Abuses
    Published: Apr 23 2012      Issue: Consumer Financial Protection Bureau, Payday Loans

    Comments to the Consumer Financial Protection Bureau on payday lending abuses on behalf of several organizations concerned about the documented abuses of payday lenders.

  • Dealer Markup of Interest Rates is an Unfair and Deceptive Practice
    Published: Mar 30 2012      Issue: Auto Financing

    The Federal Trade Commission has the authority to deem dealer markups of interest rates as an unfair and deceptive practice, according to this comment letter filed by the Center for Responsible...

  • Summary of National Mortgage Settlement
    Published: Mar 14 2012      Issue: Mortgage Lending

    Forty-nine state attorneys generals and two government agencies have reached a $25 billion agreement with the nation's five largest mortgage servicers to address mortgage loan servicing and...

  • Letter to Bank Regulators: Stop Bank Payday Lending
    Published: Feb 22 2012      Issue: Payday Loans

    Two hundred and fifty national, state and local organizations and individual advocates have asked bank regulators to stop banks from making predatory payday loans, which carry triple-digit annual...

  • National mortgage Settlement is a game-changer
    Published: Feb 17 2012      Issue: Mortgage Lending

    A lawsuit highlights possible foreclosure fraud, as loan servicing employees admit they don’t actually review foreclosure documents; instead they do "robo-signing.

  • Comments to the FTC on Motor Vehicle Roundtables
    Published: Feb 1 2012      Issue: Auto Financing

    The Center for Responsible Lending, Consumer Federation of America, Consumers for Auto Reliability and Safety, the National Association of Consumer Advocates, the National Consumer Law Center, and...

  • America's Top Consumer Cop Reports to Congress
    Published: Jan 31 2012      Issue: Consumer Financial Protection Bureau

    The Consumer Financial Protection Bureau (CFPB) delivered its first agency’s first report to Congress January 31, 2012

  • Highlights of the New Credit Card Rules: What They Do and Don’t Do
    Published: Jan 26 2012      Issue: Credit Cards

    Credit CARD Act of 2009 – Learn what the law does and does not cover.

  • Comments on the Federal Housing Finance Agency Joint Initiative on Mortgage Servicing Issues
    Published: Dec 27 2011      Issue: Mortgage Lending

    FHFA has the mandate and the opportunity to improve mortgage servicing practices. CRL recommends incentives to encourage better service by loan servicers and to promote more timely and effective...

  • Amicus Brief in De la Cruz v. Wachovia Dealer Services
    Published: Dec 15 2011      Issue: Auto Financing

    This case involves borrowers who purchased a vehicle through a dealership in California. The financial institution in question, Wachovia, did not make the loans, but later purchased the...

  • Predatory Payday Lending
    by Banks on the Rise

    Published: Dec 2 2011      Issue: Payday Loans

    Four big banks are making payday loans to customers, stripping funds from their checking accounts in a cycle of debt near 400% annual interest.

  • Facing the Foreclosure Crisis:
    Four Urgent Needs to Address Now.

    Published: Nov 29 2011      Issue: Mortgage Lending

    This policy brief is a companion piece to CRL's foreclosure research, "Lost Ground, 2011." Here we discuss practical policies that would help stop the foreclosure epidemic and restore confidence in...

  • Amici Curiae CSJ and CRL in Guillaume
    Published: Sep 26 2011      Issue: Mortgage Lending

    CRL filed an amicus brief to the New Jersey Supreme Court, advocating for strict compliance with New Jersey’s Fair Foreclosure Act and the federal Truth in Lending Act’s intentional reordering of...

  • Comment to the Federal Reserve on Notice by Capital One to Acquire ING Bank
    Published: Sep 20 2011      Issue: Overdraft Loans

    The Center for Responsible Lending commented on Capital One's proposed acquisistion of ING Bank at a public meeting held by Federal Reserve on September 20, 2011.

  • Coalition Urges Strong Servicing Settlement that Holds Banks Accountable
    Published: Aug 24 2011      Issue: Mortgage Lending

    As state Attorneys General wrap up their robo-signing investigation, CRL joins Americans for Financial Reform in urging AGs to produce a strong settlement for homeowners that prevents unnecessary...

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