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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.

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  • CRL tells CFPB the CARD Act Works, Encourages Risk-based Pricing
    Published: Feb 19 2013      Issue: Credit Cards

    Comments submitted by the Center for Responsible Lending to the Consumer Financial Protection Bureau in response to the Request for Information Regarding Credit Card Market. The CARD Act has made...

  • The State of Lending: Credit Cards
    Published: Dec 12 2012      Issue: Credit Cards, Prepaid Cards

    Credit cards are one of the most common purchasing tools used by Americans, and many low- and middle-income households rely on credit cards to pay for basic living costs. In the past, credit card...

  • CRL Tells CFPB: Prepaid Cards Lack Consumer Protections
    Published: Jul 24 2012      Issue: Credit Cards, Prepaid Cards

    The CFPB should prohibit overdraft and credit features on prepaid cards.

  • Are prepaid credit cards helping or hurting consumers?
    Published: May 25 2012      Issue: Consumer Financial Protection Bureau, Credit Cards, Prepaid Cards

    Martin Eakes remarks on prepaid cards before a CFPB field hearing.

  • Predatory Credit Card Lending: Unsafe, Unsound for Consumers and Lenders
    Published: May 8 2012      Issue: Credit Cards

    What hurts consumers financially hurts business. Losses in downturns mount faster at banks enagaging in unfair, deceptive practices. High-cost penalty fees, interest rates don’t mitigate risk—as...

  • Highlights of the New Credit Card Rules: What They Do and Don’t Do
    Published: Jan 26 2012      Issue: Credit Cards

    Credit CARD Act of 2009 – Learn what the law does and does not cover.

  • Credit Card Clarity: CARD Act Reform Works
    Published: Jun 1 2011      Issue: Credit Cards

    New credit card rules help consumers by making credit card pricing significantly clearer, new CRL research finds. New rules lower costs by spurring competition, making it harder for issuers to...

  • Numbers Game: The True Cost of Credit Card Mail Offers
    Published: Oct 25 2010      Issue: Credit Cards

    Credit card offers have grown increasingly complex over time. Using a straightforward measure of complexity—the total number of numeric figures that appear on a credit card direct mail offer—this...

  • Analysis of Federal Reserve Research on Behavioral Scoring
    Published: Aug 11 2010      Issue: Credit Cards

    Analysis of Federal Reserve Research on Behavioral Scoring: On “Report to the Congress on Reductions of Consumer Credit Limits Based on Certain Information as to Experience or Transactions of the...

  • Comment: Potential Violations of the Credit CARD Act
    Published: Jul 7 2010      Issue: Credit Cards

    CRL and consumer coalition express concerns about credit card issuer potential violations of the the Credit CARD Act of 2009. Problems related to penalty rate disclosures, variable rates, payment...

  • A Just Fee or Just a Fee?
    Published: Jun 8 2010      Issue: Credit Cards

    CRL research report finds that even after the new credit card law and credit card reform, credit card late fees still penalize cardholders while increasing profits for credit card banks and credit...

  • Capitalizing on New Credit Card Consumer Protections
    Published: May 6 2010      Issue: Credit Cards

    This brief explains the benefits of credit card reform by showing that cardholders paying more than the credit card minimum payment since the passage of the new credit card law, the Credit CARD Act...

  • Comments on Proposed Reg Z Rules Re Implementation of Credit Card Act Provisions
    Published: Apr 14 2010      Issue: Credit Cards

    CRL and other consumer groups comments to the Federal Reserve on proposed credit card rules related to the implementation of the Credit CARD Act and penalty rates and fee increases.

  • Dodging Reform: As Some Credit Card Abuses Are Outlawed, New Ones Proliferate
    Published: Dec 10 2009      Issue: Credit Cards

    New CRL credit card research identifies hidden and deceptive credit card issuer tricks and traps continue, even after the passage of the Credit CARD Act of 2009 and pending Federal reserve rules....

  • 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...

  • Neglect and Inaction: An Analysis of Federal Banking Regulators’ Failure to Enforce Consumer Protections
    Published: Jul 13 2009      Issue: Consumer Financial Protection Bureau, Credit Cards, Mortgage Lending, Overdraft Loans

    The failure of the bank regulators to protect consumers is a systematic problem that has stretched over at least several decades.

  • 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...

Items 1 - 20 of 36  12Next