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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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  • The Impact of Dodd-Frank's Home Mortgage Reforms
    Published: Jul 11 2012      Issue: Mortgage Lending

    CRL Senior Vice President Eric Stein emphasized the importance of defining "Qualified Mortgage" broadly to avoid shutting out creditworthy borrowers from the mortgage market. He recommended that QM...

  • Comments on Qualified Mortgages to the Consumer Financial Protection Bureau
    Published: Jul 9 2012      Issue: Consumer Financial Protection Bureau, Mortgage Lending

    The Center for Responsible Lending, Consumer Federation of America and The Leadership Conference on Civil and Human Rights responded to the CFPB's request for comments on qualified mortgages. Much...

  • Comments to CFPB on Overdraft Practices
    Published: Jul 6 2012      Issue: Consumer Financial Protection Bureau, Overdraft Loans

    CRL joined with CFA and NCLC to provide the CFPB (Consumer Financial Protection Bureau) with documentation of bank overdraft practices and their impact on consumers. The CFPB should stop banks from...

  • Expanding, Streamlining Mortgage Refinances
    Published: Jun 27 2012      Issue: Mortgage Lending

    The Boxer-Menendez bill to expand refinances offers a bipartisan opportunity to help homeowners and boost the economy. The bill would more than double the number of homeowners who could refinance...

  • FDIC Promises Investigation of Bank Payday Lending
    Published: May 31 2012      Issue: Bank Payday Loans, Payday Loans

    The FDIC has promised that to make investigation of bank payday lending a priority investigation. In response to a letter submitted by 250 advocates, Acting Chairman Martin Gruenberg said the...

  • Are prepaid credit cards helping or hurting consumers?
    Published: May 25 2012      Issue: Consumer Financial Protection Bureau, Credit Cards, Prepaid Cards

    Martin Eakes remarks on prepaid cards before a CFPB field hearing.

  • Regulatory Compliance Costs and Small Financial Institutions
    Published: May 9 2012      Issue: Consumer Financial Protection Bureau, Mortgage Lending

    CRL President Michael Calhoun testifies before a House Financial Services subcommittee on the benefits of strong lending protections. Financial reform, including the CFPB, is good for American...

  • Predatory Credit Card Lending: Unsafe, Unsound for Consumers and Lenders
    Published: May 8 2012      Issue: Credit Cards

    What hurts consumers financially hurts business. Losses in downturns mount faster at banks enagaging in unfair, deceptive practices. High-cost penalty fees, interest rates don’t mitigate risk—as...

  • Comments to the Consumer Financial Protection Bureau on Payday Lending Abuses
    Published: Apr 23 2012      Issue: Consumer Financial Protection Bureau, Payday Loans

    Comments to the Consumer Financial Protection Bureau on payday lending abuses on behalf of several organizations concerned about the documented abuses of payday lenders.

  • Deal or No Deal: How Yo-Yo Scams Rig the Game against Car Buyers
    Published: Apr 4 2012      Issue: Auto Financing

    This latest paper by CRL provides a clear picture of the prevalence of yo-yo scams, insight into how yo-yo scams are perpetrated, and identifies which consumers are most likely to be targeted by...

  • Summary of National Mortgage Settlement
    Published: Mar 14 2012      Issue: Mortgage Lending

    Forty-nine state attorneys generals and two government agencies have reached a $25 billion agreement with the nation's five largest mortgage servicers to address mortgage loan servicing and...

  • Letter to Bank Regulators: Stop Bank Payday Lending
    Published: Feb 22 2012      Issue: Payday Loans

    Two hundred and fifty national, state and local organizations and individual advocates have asked bank regulators to stop banks from making predatory payday loans, which carry triple-digit annual...

  • National mortgage Settlement is a game-changer
    Published: Feb 17 2012      Issue: Mortgage Lending

    A lawsuit highlights possible foreclosure fraud, as loan servicing employees admit they don’t actually review foreclosure documents; instead they do "robo-signing.

  • America's Top Consumer Cop Reports to Congress
    Published: Jan 31 2012      Issue: Consumer Financial Protection Bureau

    The Consumer Financial Protection Bureau (CFPB) delivered its first agency’s first report to Congress January 31, 2012

  • Highlights of the New Credit Card Rules: What They Do and Don’t Do
    Published: Jan 26 2012      Issue: Credit Cards

    Credit CARD Act of 2009 – Learn what the law does and does not cover.

  • Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
    Published: Jan 18 2012      Issue: Mortgage Lending

    Mandatory down payments on mortgages would put fairly-priced loans out of reach for millions of creditworthy families.

  • Comments on the Federal Housing Finance Agency Joint Initiative on Mortgage Servicing Issues
    Published: Dec 27 2011      Issue: Mortgage Lending

    FHFA has the mandate and the opportunity to improve mortgage servicing practices. CRL recommends incentives to encourage better service by loan servicers and to promote more timely and effective...

  • Predatory Payday Lending
    by Banks on the Rise

    Published: Dec 2 2011      Issue: Payday Loans

    Four big banks are making payday loans to customers, stripping funds from their checking accounts in a cycle of debt near 400% annual interest.

  • Foreclosure Counseling: Areas of Greatest Need in 2011
    Published: Dec 1 2011      Issue: Mortgage Lending

    Which areas of the U.S. have been hardest hit by the foreclosure crisis in 2011? Which areas have the greatest need for foreclosure counselors? This report analyzes 366 metropolitan and 577...

  • Facing the Foreclosure Crisis:
    Four Urgent Needs to Address Now.

    Published: Nov 29 2011      Issue: Mortgage Lending

    This policy brief is a companion piece to CRL's foreclosure research, "Lost Ground, 2011." Here we discuss practical policies that would help stop the foreclosure epidemic and restore confidence in...

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