Testimony

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 US Congress. CRL is frequently asked to testify on lending issues before Congress, federal regulators, state legislatures or other government entities. Below is a list of links to our written testimonies.

  • Testimony at the CFPB’s Hearing on Payday Lending (Nashville, TN)
    Published: Mar 25 2014      Issue: Payday Loans

    Oneshia Herring, legislative counsel at CRL, discusses three reasons why payday loans are an inherently defective product that violate any reasonable concept of fair and responsible lending. This...

  • 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...

  • 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...

  • Testimony of Kathleen Keest In Regards To HR 2309
    Published: May 12 2009      Issue: Auto Financing, Credit Cards, Financial Literacy, Overdraft Loans, Payday Loans

    Testimony of Kathleen E. Keest on behalf of the Center for Responsible Lending, Consumer Federation of America, and the National Consumer Law Center before the Subcommittee on Commerce, Trade and...

  • Ohio Payday Hearing
    Published: May 7 2008      Issue: Payday Loans

    Testimony of Uriah King, Center for Responsible Lending before the Ohio Senate Finance and Financial Institutions Committee

  • Foreclosure, Predatory Mortgage and Payday Lending
    Published: Mar 21 2007      Issue: Mortgage Lending, Payday Loans

    Testimony discusses development of subprime market, inequities and foreclosures having a devastating effect in areas including urban areas with high concentrations of minorities

  • Rule-Making to Permit Preemption of State Laws with Respect to the Interstate Activities of State Banks
    Published: May 24 2005      Issue: Payday Loans

    Testimony states that authorizing state banks to disregard banking laws of sister-states is a problem of constitutional magnitude that would deprive state assemblies of an essential regulatory role