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CRL conducts in-depth research on the extent and impact of predatory lending, to provide useful information to consumers, community advocates, and policymakers alike.

  • Negotiating on Car Loans Doesn’t Help African Americans and Latinos
    Published: Jan 23 2014      Issue: Auto Financing

    Trying to negotiate a better interest rate on your car loan should generally result in a better deal, right? Not so for buyers of color who get loans from dealers.

  • The State of Lending: Auto Loans
    Published: Dec 12 2012      Issue: Auto Financing

    The affordability and sustainability of auto financing can have a big impact on many U.S. households. Purchasing a car is a complicated endeavor, and the sales price, trade-in value, and financing...

  • Deal or No Deal: How Yo-Yo Scams Rig the Game against Car Buyers
    Published: Apr 4 2012      Issue: Auto Financing

    This latest paper by CRL provides a clear picture of the prevalence of yo-yo scams, insight into how yo-yo scams are perpetrated, and identifies which consumers are most likely to be targeted by...

  • Maryland Repossession Law--Amicus Brief In Support of Apellant Donna Epps
    Published: Apr 28 2011      Issue: Debt Settlement, Auto Financing

    CRL and the National Consumer Law Center filed an amicus brief supporting appellant Donna Epps in regards to the improper repossession of the appellant's vehicle.

  • 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...

  • 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.

  • Military Coalition Letter to Senate Banking re Car Dealer Exemption from CFPB
    Published: Apr 15 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    The Military Coalition expressed opposition via letter to the Senate Banking Committee about exempting car dealers from the financial reform bill on April 15 2010. The Department of Defense wrote a...

  • No Carve-Outs for Auto Dealers
    Published: Apr 12 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    Car Lenders Must Be Covered by the CFPA.

  • Consumer Financial Protection Agency Could Have Stopped Abuses that Plague Americans Today
    Published: Oct 23 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans

    CRL shares stories of everyday people affected by financial abuse and emphasizes the need for the Consumer Financial Protection Agency to ensure that they and others are protected from such abuses...

  • Consumer Financial Protection Agency Could Have Stopped Abuses that Plague Americans Today
    Published: Oct 23 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans

    CRL shares stories of everyday people affected by financial abuse and emphasizes the need for the Consumer Financial Protection Agency to ensure that they and others are protected from such abuses...

  • CRL supports a strong, non-preemptive Consumer Financial Protection Agency
    Published: Oct 19 2009      Issue: Auto Financing, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans

    CRL letter to Members of House Financial Services Committee outlining support and opposition to various CFPA amendments on states' rights, credit-related insurance, and carve outs for credit unions...

  • CRL supports a strong, non-preemptive Consumer Financial Protection Agency
    Published: Oct 19 2009      Issue: Auto Financing, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans

    CRL letter to Members of House Financial Services Committee outlining support and opposition to various CFPA amendments on states' rights, credit-related insurance, and carve outs for credit unions...

  • Financial Reform that Protects Consumers
    Published: Jun 25 2009      Issue: Auto Financing, Car Title Loans, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans

    For years, federal bank regulators looked the other way; now Congress has a chance to reform our system of checks and balances, make banks accountable, and protect consumers from abusive financial...

  • Financial Reform that Protects Consumers
    Published: Jun 25 2009      Issue: Auto Financing, Car Title Loans, Credit Cards, Mortgage Lending, Overdraft Loans, Payday Loans, Refund Anticipation Loans

    For years, federal bank regulators looked the other way; now Congress has a chance to reform our system of checks and balances, make banks accountable, and protect consumers from abusive 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...

  • Six Principles for Real Reform: Balancing Bank Safety and Sensible Lending
    Published: Jun 24 2009      Issue: Auto Financing, Car Title Loans, Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans

    As Congress considers how to address improving consumer protection and regulation of our financial system going forward over the next several months, we offer six essential principles for achieving...

  • H.R. 2309, the Consumer Credit and Debt Protection Act
    Published: May 12 2009      Issue: Auto Financing, Credit Cards

    The Subcommittee on Commerce, Trade, and Consumer Protection held a legislative hearing on H.R. 2309, the Consumer Credit and Debt Protection Act.

  • 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...

  • Borrowers do not need to rely on documents violating federal lending law in order to receive actual damages
    Published: Mar 18 2009      Issue: Auto Financing

    CRL's amicus brief in support of a class of auto loan borrowers in Vallies v. Sky Bank. CRL, along with a number of consumer groups, argues that the Truth in Lending Act does not require borrowers...