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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  • Federal Judge Orders Wells Fargo to Reimburse California Customers
    Published: Aug 10 2010      Issue: Overdraft Loans

    Federal court finds Wells Fargo's posting practices amounted to gouging and profiteering. This 90-page brief addresses Wells' checking account overdraft practices.

  • High-Cost Payday Lending Traps Mississippi Borrowers
    Published: Jul 26 2010      Issue: Payday Loans

    The state of Mississippi is gearing up for a legislative battle as the expiration of a law approaches in 2012. If the law sunsets as scheduled, payday lenders will no longer be exempt from a 36...

  • Payday lenders pose as brokers to evade interest rate caps
    Published: Jul 16 2010      Issue: Payday Loans

    In recent years, a growing number of states have enacted interest rate caps and other protections to eliminate abusive payday lending practices that trap consumers in long term debt. Payday lenders...

  • Comment: Potential Violations of the Credit CARD Act
    Published: Jul 7 2010      Issue: Credit Cards

    CRL and consumer coalition express concerns about credit card issuer potential violations of the the Credit CARD Act of 2009. Problems related to penalty rate disclosures, variable rates, payment...

  • Comments on NCUA's Notice of Proposed Rulemaking on Short-term, Small Amount Loans
    Published: Jul 6 2010      Issue: Payday Loans

    Comments of the Center for Responsible Lending on the Notice of Proposed Rulemaking on Short-term, Small Amount Loans from National Credit Union Administration--12 CFR Part 701--RIN 3133-AD71....

  • Debt Settlement Comments to the FTC
    Published: Jul 2 2010      Issue: Debt Settlement

    The Comments of Michael Calhoun, President, of the Center for Responsible Lending to the Federal Trade Commission regarding the Notice of Proposed Rule-Making: Telemarketing Sales Rule Debt Relief...

  • The Debt Settlement Industry
    Published: Jun 29 2010      Issue: Debt Settlement

    The Basics of Debt Settlement and why it does more harm than good.

  • Guidance to OTS on Overdraft Protection Programs
    Published: Jun 28 2010      Issue: Overdraft Loans

    CRL’s, Consumer Federation of America and the National Consumer Law Center’s comment letter to the OTS regarding the agency’s Supplemental Guidance on Overdraft Protection Programs.

  • CRL Comment Letter on Garnishment of Federal Benefits
    Published: Jun 18 2010      Issue: Overdraft Loans

    CRL and other consumer groups provide comment on the Office of Personnel Management's proposed rule regarding garnishment of federal benefits.

  • Auto Dealers Should Play By The Same Rules As Everyone Else
    Published: Jun 17 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    The auto dealer lobby successfully fought to receive a special exemption in the House from the rules of the Consumer Financial Protection Bureau (CFPB) in the financial reform bill even when the...

  • Top Priorities for Real Financial Reform
    Published: Jun 16 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    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...

  • Financial Reform Conference: Sensible Standards and Accountability are Crucial for Home Loans
    Published: Jun 9 2010      Issue: Consumer Financial Protection Bureau, Mortgage Lending

    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...

  • Single Director, Not a Commission, Should Head Consumer Financial Agency
    Published: Jun 7 2010      Issue: Consumer Financial Protection Bureau

    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...

  • The Consumer Financial Protection Agency Should Be Independently Funded
    Published: Jun 7 2010      Issue: Consumer Financial Protection Bureau

    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.

  • The Snowe-Pryor Prioritizes Small Businesses Over Families, Taxpayers and Other Key Stakeholders
    Published: Jun 7 2010      Issue: Consumer Financial Protection Bureau

    The Snowe-Pryor Senate financial reform bill proposal would create a layer of bureaucracy that is redundant and dangerous. This language would prioritize small businesses over families, taxpayers...

  • The Consumer Financial Protection Agency Should Be Independently Funded
    Published: Jun 7 2010      Issue: Consumer Financial Protection Bureau

    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.

  • All Auto Financing Should be Covered by the Consumer Watchdog
    Published: Apr 29 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    Consumer Advocates and The Pentagon Call for all Auto Dealer-Lenders to be Covered by Consumer Watchdog.

  • Myths vs. Facts about the Consumer Financial Protection Bureau
    Published: Apr 23 2010      Issue: Consumer Financial Protection Bureau

    The Consumer Financial Protection Bureau would actually reduce regulatory burden while increasing safety and soundness and making loans more affordable.

  • Myths vs. Facts about the Consumer Financial Protection Bureau
    Published: Apr 23 2010      Issue: Consumer Financial Protection Bureau

    The Consumer Financial Protection Bureau would actually reduce regulatory burden while increasing safety and soundness and making loans more affordable.

  • Essentials of the Consumer Financial Protection Bureau
    Published: Apr 16 2010      Issue: Consumer Financial Protection Bureau

    Here's a quick reference on what the Consumer Financial Protection Bureau would do, what it wouldn't do, and the most important parts of proposed financial reform legislation to help ensure strong...

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