Research & Analysis
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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. 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
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- Predatory Mortgages in Maine: Recent Trends and the Persistence of Abusive Lending Practices in the Subprime Mortgage Market
February 13, 2006
- Report to the TN General Assembly, Pursuant to Public Chapter 440, Acts of 2005, Section 7(e)
February 1, 2006
Public Chapter 440 of the Acts of 2005 significantly amends the Tennessee Title Pledge Act (“Act”), set forth in Title 45, Chapter 15, regarding the operation and regulation of the title pledge industry. Specifically, Public Chapter 440 subjects the title pledge industry to licensing and examination by the Department of Financial Institutions (“Department”).
- Comments: Open-End Credit, Bankruptcy Amendments of 2005
December 16, 2005
Comment to Federal Reserve on proposals regarding Open-End Credit Implementation of the Bankruptcy Amendments of 2005, December 16, 2005.
- Comments: RIN 3064-AC95, Proposed Rulemaking on Federal Preemption
December 13, 2005
The Center for Responsible Lending submits these comments on the proposed rules, ere part of a larger package of preemption rules urged upon the FDIC by the Financial Services Roundtable.
- Letter to ALEC on Car Title Loans
November 29, 2005
- Risking Homes to Pay Off Credit Cards
November 28, 2005
The fear of overwhelming credit card debt is driving many Americans to hand their equity back to mortgage lenders in the form of "cash-out" refinances. Rather than generating cash to invest in the family's future or cover short term emergencies, cash-out refinances frequently serve as equity-draining transactions that only repay ("consolidate") short-term debts, such as credit card balances. Worse, the benefits of refinancing are often temporary, as homeowners build up additional new credit card debt and start the refinance process again.
- The Plastic Safety Net: The Reality Behind Debt in America
October 12, 2005
This 2005 survey provides new information about why households are in credit card debt, how long they have carried their debt and the impact this debt has had on their economic security. American families are turning to credit cards to make ends meet in an increasingly volatile economy.
- Payday Lenders Target the Military
September 30, 2005
Predatory payday lending costs military families over $80 million in abusive fees every year.
- Minimal Broker Licensing Standards Will Not Affect Abusive Lending Practices
September 27, 2005
Paper argues for more strict regulation of mortgage brokers
- Minority Families Pay More: HMDA Stats Show Disturbing Disparities
September 15, 2005
- Comment on Federal Reserve Analysis of Home Mortgage Disclosure Act Data
September 14, 2005
Overview and comments pertaining to Fed Reserve's analysis of HMDA data
- Strong Compliance Systems Support Profitable Lending While Reducing Predatory Practices
July 26, 2005
Report concludes that automated compliance technologies are economical and serve to decrease predatory lending and the incidence of foreclosures.
- Response to NHEMA's "Analysis of 1st Quarter 2004 Mortgage Lending in New Jersey and Pennsylvania"
July 18, 2005
Report finds serious flaws in research done by NHEMA which looked at mortgage lending in NJ and PA
- The Price of Ownership: What the Home Mortgage Disclosure Act Reveals About Minorities and Lending
June 27, 2005
Ernst urges reform of Home Mortgage Disclosure Act (HMDA)
- High-Cost and Hidden from View: The $10 Billion Overdraft Loan Market
May 26, 2005
CRL report finds unauthorized overdrafts cost American $10 billion per year, and that they are effectively high-cost loans
- Rule-Making to Permit Preemption of State Laws with Respect to the Interstate Activities of State Banks
May 24, 2005
Testimony states that authorizing state banks to disregard banking laws of sister-states is a problem of constitutional magnitude that would deprive state assemblies of an essential regulatory role
- Legislative Solutions to Abusive Mortgage Lending Practices
May 24, 2005
Eakes urges reform of the subprime mortgage market
- Car Title Lending: Driving Borrowers to Financial Ruin
April 14, 2005
Research report from CRL and CFA documenting the cost of title loans, the predatory terms, and the best solutions.
- The Federal Home Loan Bank System
April 13, 2005
Eakes lauds FHLBs and makes suggestions for improvement
- Predatory Lending and its Impact on the Military and Local Communities
March 29, 2005
Makes correlation between predatory/payday lending and the impact on the military and local communities