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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- Georgia's Payday Loan Law: A Model for Preventing Predatory Payday Lending
June 29, 2006
Brief analysis of Georgia's law preventing payday lenders from circumventing their consumer credit interest rate cap and other protections.
- Home Mortgage Disclosure Act: Newly Collected Data and What It Means
June 13, 2006
Ernst proposes ways to strengthen the Home Mortgage Disclosure Act (HMDA)
- Unfair Lending: The Effect of Race and Ethnicity on the Price of Subprime Mortgages
May 31, 2006
Reports that African American and Latino buyers more likely then Whites to get subprime loans with same credit scores
- Overdraft Loans: Survey Finds Growing Problem for Consumers
April 24, 2006
CRL survey finding sixteen percent of overdraft loan users account for 71 percent of fee-based overdraft loan fees. Repeat users are more often low-income, single, non-white renters.
- Comment: Proposed Interagency Guidance on Nontraditional Mortgages
March 29, 2006
This letter highlights concerns with nontraditional mortgages in the subprime market.
- The Costs of Subprime Prepayment Penalties: A Response to "Call Protection in Mortgage Contracts"
March 1, 2006
CRL disputes the findings of Michael LaCour-Little's paper and points out 3 significant shortcomings
- Brief: Owners, Lenders Flourish Under State Anti-Predatory Lending Laws
March 1, 2006
“The Best Value in the Subprime Market: State Predatory Lending Reforms” shows that state laws are working well for credit-strapped families in the subprime market and for responsible lenders.
- The Best Value in the Subprime Market: State Predatory Lending Reforms
February 23, 2006
- Highlights from Report on Tennessee's Title Lending Industry
February 15, 2006
Highlights from title lending report from Tennessee.
- An Attack without Merit
February 14, 2006
Payday loan industry pays Prof. Thomas Lehman to challenge CRL’s research, but none of his criticisms are accurate.
- 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