CRL's staff includes attorneys, researchers, and policy analysts in North Carolina, Washington DC, and California who study and report on predatory lending matters, and monitor legislative and regulatory activity in state capitols and in the nation's capitol. CRL frequently responds to regulators' requests for comments on lending issues. Read our written comments to regulators.

  • Comments to Department of Defense: Expanding Credit Protections for Service Members and Their Families
    Published: Aug 1 2013      Issue: Overdraft Loans, Payday Loans

    Although the Military Lending Act has resulted in significant improvements, Service members continue to be the target of predatory lenders. In 2012, members of the military filed 61,642 complaints...

  • Banks Should Disclose Overdraft Fees
    Published: May 9 2013      Issue: Overdraft Loans

    Today banks are allowed to report overdraft fees as part of general service charge income, but CRL supports greater transparency. In this comment letter to the Federal Financial Institutions...

  • Comments to CFPB on Overdraft Practices
    Published: Jul 6 2012      Issue: Consumer Financial Protection Bureau, Overdraft Loans

    CRL joined with CFA and NCLC to provide the CFPB (Consumer Financial Protection Bureau) with documentation of bank overdraft practices and their impact on consumers. The CFPB should stop banks from...

  • AFR Sign-on to OCC on Overdraft and Bank Payday
    Published: Aug 9 2011      Issue: Overdraft Loans, Payday Loans

    Consumer groups fear OCC proposed guidance may legitimize and facilitate the spread of payday lending by national banks, and banks would continue abusive overdraft practices—harming bank customers,...

  • Comments to OCC on Overdraft and Bank Payday Loans
    Published: Aug 9 2011      Issue: Overdraft Loans

    CRL filed comments to the OCC on August 8, 2011 urging them to strengthen rules on overdraft and bank payday lending. Automatic debit overdrafts, re-ordering of account transactions and direct...

  • Comment Letter on FDIC's Proposed Overdraft Guidance
    Published: Sep 27 2010      Issue: Overdraft Loans

    CRL and other consumer advocates filed a comment letter with the FDIC supporting most aspects of the agency's proposed guidance on overdraft. The groups also made recommendations on how the agency...

  • Joint Letter in Support of FDIC Overdraft Proposals September 2010
    Published: Sep 27 2010      Issue: Overdraft Loans

    CRL and a cross-section of civil rights, labor, consumer, housing, community, business, and sustainable and responsible investor groups sent a joint letter to the FDIC expressing support for...

  • 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.

  • CRL and Other Groups Comment on Clarifications to Fed's Opt-In Rule
    Published: Mar 30 2010      Issue: Overdraft Loans

    CRL and other consumer groups provide comment on the Federal Reserve’s opt-in rule and the proposed changes to Regulation DD.

  • 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...

  • Comment: Proposed Rule Regarding Unfair or Deceptive Acts or Practices – Overdraft Practices
    Published: Aug 4 2008      Issue: Overdraft Loans

    Overdraft comment letter

  • Comments on proposed Regulation DD amendments re Overdraft Lending
    Published: Jul 18 2008      Issue: Overdraft Loans

    America, Consumers Union, and the National Consumer Law Center, provide the following comments regarding the Federal Reserve Board’s proposed rule to amend Regulation DD pursuant to the Truth in...

  • 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

  • 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.

  • Comment: Proposed FDIC Survey of Overdraft Loan Programs
    Published: Oct 16 2006      Issue: Overdraft Loans

    Proposed FDIC Survey of Overdraft Loan Programs