Research & Analysis
Don't Miss Our Next Report!
Sign up to receive the latest info on CRL research and hot issues in predatory lending.
CRL conducts in-depth research on the extent and impact of predatory lending, to provide useful information to consumers, community advocates, and policymakers alike. We also share our market and legal knowledge with advocates and policymakers across the nation interested in reforming lending practices. Below you will find CRL research and analyses on a range of topics.
Want more information? Go to the Tools & Resources page, or check out our Resources for Consumers, Policymakers, Allies, and Litigators pages. A good external source for research on predatory lending and related issues is www.knowledgeplex.org
Search CRL Research & Analysis
Browse CRL Research & Analysis
- Legislative Proposals on Reforming Market Practices
October 24, 2007 - Support HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007
October 24, 2007Overview and explanation of the Mortgage Reform and Anti-Predatory Lending Act of 2007
- Loan Modifications in Bankruptcy do not Hurt Mortgage Markets
October 7, 2007CRL discusses five reasons why it feels loan modifications in bankruptcy will not hurt mortgage markets
- Mortgage Industry making few loan modifications to help keep borrowers in their homes
October 7, 2007CRL urges Congressional action to enable bankruptcy courts to order loan modifications, which would be in the interest of borrowers and investors alike.
- Straightening Out the Mortgage Mess: How Can We Protect Home Ownership and Provide Relief to Consumers in Financial Distress
September 25, 2007 - Billion Dollar Deal
September 24, 2007As two trends collide—increasing use of debit cards among young adults and increasing use of abusive overdraft practices among major banks—college students and young workers just starting their adult lives are paying a high price.
- Evolution of an Economic Crisis? The Subprime Lending Disaster and the Threat to the Broader Economy
September 19, 2007Martin Eakes testifies before Senate re Evolution of an Economic Crisis? The Subprime Lending Disaster and the Threat to the Broader Economy
- Federal Trade Commission Reauthorization
September 12, 2007 - Testimony--Overdraft Protection: Fair Practices for Consumers
July 11, 2007Testimony of Eric Halperin Before the U.S. House Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit.
- Out of Balance: Consumers pay $17.5 billion per year
July 11, 2007 - The Payment Plan Smokescreen
June 4, 2007Facing increasing scrutiny of the problems caused by payday lending, the industry trade group recently announced a new public relations campaign that claims to address the problem of loan flipping by requiring its lenders to offer borrowers an extended payment plan. However, this plan will not give borrowers a viable option for escaping the debt trap, and a description of the guidelines suggests lenders will offer the plan to borrowers in trouble only once per year despite the fact that the typical borrower has nine loans per year.
- Support HR 946
June 1, 2007CRL endorses Rep. Maloney's HR 946 as effective reform of bank overdraft practices.
- Comment: Proposed Interagency Statement on Subprime Mortgage Lending
May 7, 2007The Center for Responsible Lending submits the following comments on the proposed Interagency Statement on Subprime Mortgage Lending.
- Calhoun: Are Legislative Remedies to Limit Predatory Lending Really Remedies?
March 29, 2007Mike Calhoun argues that legislative remedies to limit predatory lending have helped, but not solved the problem
- Subprime Lending is a Drain on Home Ownership
March 27, 2007Subprime Lending leads to a decrease in homeownership
- Foreclosure, Predatory Mortgage and Payday Lending
March 21, 2007Testimony discusses development of subprime market, inequities and foreclosures having a devastating effect in areas including urban areas with high concentrations of minorities
- Case Study in Subprime Hybrid ARM Refinance Outcomes
February 21, 2007 - Comment: To Department of Defense on Military Lending Act
February 8, 2007Comments on Military Lending Act submitted to Department of Defense by Consumer Coalition on Feb. 5, 2007.
- Comments on the North Carolina Commissioner of Banks' Proposed Guidance on Non-Traditional Mortgage Risks
February 7, 2007Comments on the North Carolina Commissioner of Banks' Proposed Guidance on Non-Traditional Mortgage Risks
- Preserving the American Dream: Predatory Lending Practices and Home Foreclosures
February 7, 2007Eakes discusses predatory lending and foreclosure crisis
