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Robin Howarth

Senior Researcher

Robin comes to CRL after serving as Visiting Professor in the Department of City and Regional Planning at UNC, where she also earned her PhD with a concentration in Economic Development/Urban Redevelopment. Since 2003, she has taught graduate and undergraduate Economic and Community Development courses with a particular emphasis on finance. Her research experience has focused on urban real estate markets, market analysis, fiscal impact of development, and community development/ engagement including collaborations with the Center for Urban and Regional Studies and the Center for Community Capital.

Her background also includes experience serving as a grant reviewer for U.S. Treasury's CDFI Fund and facilitating workshops for state and local officials in development finance. She began her career in banking on the West Coast in a corporate lending role (financial institutions) and eventually commercial real estate finance and debt syndication. In her spare time Robin enjoys volunteering at SCORE, Habitat for Humanity and other local organizations. Her hobbies include tennis, cycling, gardening and the occasional craft project. Robin earned a BA and MA from Stanford University.

Research & Policy

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



April 20, 2017 | By A.J. Higgins | Maine Public Radio
Maine students attending private, for-profit colleges are quicker to borrow and slower to repay their student loans when compared to the their counterparts across the country, according to the Center...
March 13, 2017
A new report released today by the Center for Responsible Lending (CRL) shows that four-year for-profit colleges in Connecticut are leaving students with lower graduation rates, higher debt loads,...
March 9, 2017 | By Charlene Crowell | The Washington Informer
An old adage teaches, “if at first you don’t succeed, try, try again.” In recent months, the troubled Accrediting Council for Independent Colleges and Schools (ACICS) tried and lost two legal...
January 5, 2017
Research released earlier today by the Consumer Financial Protection Bureau (CFPB) finds that a growing number of consumers aged 60 or older are struggling financially to repay student loans. The...