Report on the impact of unauthorized overdraft fees on older Americans.

CRL discusses importance of requiring banks to get explicit permission from customers before enrolling them in high-cost overdraft.

Comments of the Center for Responsible Lending on RESPA Proposed Rule to Simplify and Improve the Process of Obtaining Mortgages to Reduce Consumer Settlement Costs

Testimony of Uriah King, Center for Responsible Lending before the Ohio Senate Finance and Financial Institutions Committee

Note urges support of the Miller-LaTourette amendment which urges compliance with state consumer protection laws

Testimony of Julia Gordon before the U.S. House of Representatives Committee on Financial Services Subcommittee on Housing and Community Opportunity

A CRL survey finds respondents prefer that their bank or credit union deny debit card purchases that are not covered by the funds in their checking account, whether their purchase is for $5, $20 or $40.

Research report on higher cost broker loans vs. retail lenders

Request for comment on proposed changes to Regulation Z (Truth in Lending) to protect consumers from unfair or deceptive home mortgage lending and advertising practices. The rule, which would be adopted under the Home Ownership and Equity Protection Act (HOEPA), would restrict certain practices and would also require certain mortgage disclosures to be provided earlier in the transaction.

While we believe that many commercial RALs are abusive financial products that should not be available to consumers without significant protections beyond those currently available, we understand that the IRS does not have jurisdiction over the banks that make these loans.

CRL brief explains how overdraft loans trap account holders in high-cost debt to their banks.

CRL supports court-supervised loan modifications

Urges use of loan modifications

Comments on Implementation of Limitations on Terms of Consumer Credit Extended to Service Members and Dependents