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Delvin Davis

Senior Research Analyst

Since 2002, Delvin Davis has served in several capacities researching predatory lending products and practices. Currently, Delvin is the lead researcher on auto/car title lending. Based in Durham, Delvin in 2014 authored "Non Negotiable", a study of the impacts of negotiation and comparison shopping for people of color. In 2013, he also co-authored "Driven to Disaster" finding that car title lenders cost consumers $3.6 billion in interest annually.

Delvin earned his graduate degree from the University of North Carolina at Chapel Hill. When not at work, he enjoys sports, writing poetry, and painting.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.



February 14, 2018 | By Sarah Willets
According to Delvin Davis, with the Center for Responsible Lending, about 60 percent of people detained at the Durham jail in 2016 were held pretrial. Of that group, about 40 percent of the pretrial...
December 8, 2017
WASHINGTON, D.C. – A Government Accountability Office (GAO) letter released earlier this week in response to a Congressional inquiry threatens to undermine the Consumer Financial Protection Bureau’s...
September 27, 2016
On September 26, the Consumer Financial Protection Bureau (CFPB) levied a $9 million fine against TitleMax parent company TMX Finance LLC for failure to tell consumers the terms and costs of auto-...
August 18, 2016
New research finds that in states without triple-digit payday loans, 90 million consumers save more than $2.2 billion each year that would have otherwise been paid to lenders. These costs savings...