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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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  • Phantom Demand: Short-term due date generates need for repeat payday loans, accounting for 76% of total volume
    Published: Jul 9 2009      Issue: Payday Loans

    CRL analysis reveals that a sizeable majority of payday lending volume is generated by payday debt itself—borrowers need to open a new loan shortly after repaying a previous loan because repayment...

  • 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...

  • Overview of the Obama Administration’s Proposed Consumer Financial Protection Agency
    Published: Jun 24 2009      Issue: Consumer Financial Protection Bureau, Mortgage Lending

    This summary focuses only on the consumer protection component of the Obama Administration’s Financial Regulatory Reform proposal.

  • 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...

  • Overview of the Obama Administration’s Proposed Consumer Financial Protection Agency
    Published: Jun 24 2009      Issue: Consumer Financial Protection Bureau, Mortgage Lending

    This summary focuses only on the consumer protection component of the Obama Administration’s Financial Regulatory Reform proposal.

  • 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...

  • APR Matters on Payday Loans
    Published: Jun 23 2009      Issue: Payday Loans

    CRL explores the payday lending industry’s attempt to deny the importance of the APR, or annual percentage rate of interest, in disclosing the cost of their 400 percent interest product, which...

  • Borrowers can file class actions to void illegal loans
    Published: Jun 10 2009      Issue: Mortgage Lending

    CRL's brief on behalf of the petitioners seeking certiorari from the United States Supreme Court in Andrews v. Chevy Chase Bank. CRL represents a Wisconsin couple, who was one of thousands of...

  • Stacked Deck: A Statistical Analysis of Forced Arbitration
    Published: May 31 2009      Issue: Credit Cards, Mandatory Arbitration

    Mandatory arbitration study. CRL's analysis shows consumers lack rights in forced arbitration (binding mandatory arbitration). Almost all credit card contracts with major issuers contain a hidden...

  • Lender illegally foreclosed on a Virginia couple after they entered into a loan modification
    Published: May 26 2009      Issue: Mortgage Lending

    CRL's complaint on behalf of the plaintiffs in Rosa v. Federal Home Loan Mortgage Co. CRL, co-counseling with Legal Services of Northern Virginia, represents a couple in Fairfax County, Virginia...

  • Comment: Proposed 2009 GSE Housing Goals
    Published: May 22 2009      Issue: Mortgage Lending

    CRL's comments on proposed housing goals for Fannie Mae and Freddie Mac support incentives to modify distressed mortgages.

  • Congressional Research Service Memo re H.R. 627
    Published: May 12 2009      Issue: Credit Cards

    This memorandum provides a comparative analysis of H.R. 627 (the Credit Cardholders’ Bill of Rights Act of 2009), as passed by the House on April 30, 2009, and the amendment in the nature of a...

  • 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...

  • Selective Interpretation? Top Credit Card Issuers Appear to Follow Own Rules.
    Published: May 8 2009      Issue: Credit Cards

    A quick sampling of credit card issuers’ recent activities in response to the Federal Reserve rule changes that were announced in December 2008 found the top eight issuers--Citigroup, Bank of...

  • Soaring Spillover: Accelerating Foreclosures to Cost Neighbors $502 billion in 2009 alone; 69.5 million homes lose $7,200 on average
    Published: May 7 2009      Issue: Mortgage Lending

    This is CRL's third report on the spillover impact of mortgage foreclosures. This new report is based on new CRL projections of 2.4 million foreclosures for all loans (not just subprime) in 2009,...

  • Borrowed Time: RAL Usage Among EITC Recipients in Native Communities
    Published: Apr 30 2009      Issue: Refund Anticipation Loans

    This paper provides new data showing the disproportionate use of RALs among EITC recipients in Native communities with an analysis of EITC recipients in 10 states with large shares of Native...

  • H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009
    Published: Apr 23 2009      Issue: Mortgage Lending

    Congress has an opportunity to prevent another mortgage fiasco by passing stronger protections on home lending.

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

    Brief facts about overdraft loans, largely derived from CRL research

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