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.

  • 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...

  • CRL's Testimony: A National Payday Charter Is A Bad Idea
    Published: Jul 24 2012      Issue: Car Title Loans, Consumer Financial Protection Bureau, Installment Loans, Payday Loans

    Testimony of Kenneth W. Edwards Vice President of Federal Affairs, Center for Responsible Lending, before the House of Representatives Committee on Financial Services Subcommittee on Financial...

  • Consumer Financial Protection Agency Could Have Stopped Abuses that Plague Americans Today
    Published: Oct 23 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans

    CRL shares stories of everyday people affected by financial abuse and emphasizes the need for the Consumer Financial Protection Agency to ensure that they and others are protected from such abuses...

  • Consumer Financial Protection Agency Could Have Stopped Abuses that Plague Americans Today
    Published: Oct 23 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans

    CRL shares stories of everyday people affected by financial abuse and emphasizes the need for the Consumer Financial Protection Agency to ensure that they and others are protected from such abuses...

  • CRL Supports Indiana’s Regulation of Car Title Lending
    Published: Jul 21 2009      Issue: Car Title Loans

    In this legal brief CRL, joined by several allies, explains why car title lenders are wrong in asserting that the U.S. Constitution allows them to avoid Indiana’s 36% rate cap by opening up shop on...

  • Highlights from Report on Tennessee's Title Lending Industry 2008
    Published: Jul 1 2009      Issue: Car Title Loans

    In these brief we present some of the highlights of the report conducted by the Tennessee Department of Financial Institutions on the $73 million title lending industry in Tennessee.

  • 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...

  • Comment: Implementation of Military Lending Amendment
    Published: Feb 26 2008      Issue: Car Title Loans, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans

    Comments on Implementation of Limitations on Terms of Consumer Credit Extended to Service Members and Dependents

  • Comment: To Department of Defense on Military Lending Act
    Published: Feb 8 2007      Issue: Car Title Loans, Payday Loans

    Comments on Military Lending Act submitted to Department of Defense by Consumer Coalition on Feb. 5, 2007.

  • Small Loan CRA Comment
    Published: Feb 2 2007      Issue: Car Title Loans, Overdraft Loans, Payday Loans

    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
    Published: Feb 15 2006      Issue: Car Title Loans

    Highlights from title lending report from Tennessee.

  • Letter to ALEC on Car Title Loans
    Published: Nov 29 2005      Issue: Car Title Loans
  • Auto Title Loans and the Law
    Published: Jul 1 2004      Issue: Car Title Loans

    An Auto Title Loan is a short-term loan, usually no longer than 30 days. Your car title is used to secure the high interest loan. Find out more.