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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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  • The Overdraft Protection Act of 2009
    Published: Oct 29 2009      Issue: Overdraft Loans

    Eric Halperin, director of CRL's DC office, submitted testimony to the Financial Services Committee of the U.S. House on H.R. 3904, the Overdraft Protection Act of 2009. He called the Act a crucial...

  • Support H.R. 3904, the Overdraft Protection Act of 2009
    Published: Oct 29 2009      Issue: Overdraft Loans

    Congresswoman Carolyn Maloney proposed the Overdraft Protection Act of 2009, which would reform out-of-control bank and credit union overdraft practices. Fees for debit card transactions and other...

  • 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...

  • Senate bill S 1799 would reform out-of-control overdraft practices
    Published: Oct 23 2009      Issue: Overdraft Loans

    The Center for Responsible Lending strongly supports the FAIR Overdraft Coverage Act as it would represent a major advance in overdraft reform.

  • 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...

  • Overdraft Explosion: Bank fees for overdrafts increase 35% in two years
    Published: Oct 6 2009      Issue: Overdraft Loans

    Banks and credit unions collected $23.7 billion in overdraft fees in 2008.

  • 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...

  • 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...

  • 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...

  • 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...

  • Quick Facts on Overdraft Loans
    Published: Apr 9 2009      Issue: Overdraft Loans

    Brief facts about overdraft loans, largely derived from CRL research

  • Comments on Regulation E—Overdraft Practices
    Published: Mar 30 2009      Issue: Overdraft Loans

    The Center for Responsible Lending, along with Consumer Action, Consumer Federation of America, Consumers Union, National Association of Consumer Advocates, National Consumer Law Center (on behalf...

  • Key protections in H.R. 1456 - Consumer Overdraft Protection Fair Practices Act
    Published: Mar 30 2009      Issue: Overdraft Loans

    Listing of major elements in HR 1456, introduced by Rep. Maloney

  • Overdraft Fees and Opting In Survey
    Published: Mar 23 2009      Issue: Overdraft Loans

    A survey of consumer preferences regading overdraft fees and the choice to opt-in to such programs.

  • Payday Loans Put Families in the Red
    Published: Feb 20 2009      Issue: Overdraft Loans, Payday Loans

    Explains how payday lending does not help borrowers avoid overdraft fees in spite of industry claims.

  • Comment: Proposed Rule Regarding Unfair or Deceptive Acts or Practices – Overdraft Practices
    Published: Aug 4 2008      Issue: Overdraft Loans

    Overdraft comment letter

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