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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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  • CRL tells CFPB the CARD Act Works, Encourages Risk-based Pricing
    Published: Feb 19 2013      Issue: Credit Cards

    Comments submitted by the Center for Responsible Lending to the Consumer Financial Protection Bureau in response to the Request for Information Regarding Credit Card Market. The CARD Act has made...

  • CRL Comments to CFPB 0n Proposed Remittance Transfer Rule
    Published: Jan 29 2013      Issue: Consumer Financial Protection Bureau

    Comments submitted by CRL and National Council of La Raza concerning the proposed revision of theConsumer Financial Protection Bureau to its final rulemaking onremittance transfers under the...

  • Qualified Mortgage Rulemaking: Protecting Borrowers from the Next Lending Crisis
    Published: Jan 10 2013      Issue: Mortgage Lending

    The Dodd‐Frank Wall Street Reform and Consumer Protection Act requires lenders to determine whether borrowers can repay a mortgage before that transaction takes place -- by making loans that meet a...

  • U.S. Senators ask Regulators to Stop Bank Payday Lending
    Published: Jan 7 2013      Issue: Bank Payday Loans, Payday Loans

    Five U.S. Senators have asked the OCC, the FDIC and the Federal Reserve to stop the banks under their respective jurisdictions from making predatory payday loans. At least four big banks have...

  • The State of Lending in America and Its Impact on U.S. Households
    Published: Dec 13 2012      Issue: Consumer Finance

    A series of three reports outlining predatory lending practices in consumer lending, and the regulatory and legislative actions needed to halt these practices and prevent future abuses.

  • The State of Lending: Credit Cards
    Published: Dec 12 2012      Issue: Credit Cards, Prepaid Cards

    Credit cards are one of the most common purchasing tools used by Americans, and many low- and middle-income households rely on credit cards to pay for basic living costs. In the past, credit card...

  • The State of Lending: Auto Loans
    Published: Dec 12 2012      Issue: Auto Financing

    The affordability and sustainability of auto financing can have a big impact on many U.S. households. Purchasing a car is a complicated endeavor, and the sales price, trade-in value, and financing...

  • The State of Lending: Mortgages
    Published: Dec 12 2012      Issue: Mortgage Lending

    Even with the recent decline in house prices, owning a home can bestow more financial and non-financial benefits than any other single asset. This means more economic mobility and financial...

  • The State of Lending: America's Household Balance Sheet
    Published: Dec 12 2012      Issue: Consumer Finance

    This chapter in the State of Lending report series describes the overall financial status of U.S. households today--their income, spending, debts, and wealth. It tells the story of financial...

  • The State of Lending: Student Loans
    Published: Dec 12 2012      Issue: Student Loans

    A college education is critical in today's competitive job market. but post-secondary education has never been more expensive. Most U.S. families rely on student loans to help finance a college...

  • CRL Comments on Proposed Rules for NCUA Payday Alternatives Loan Program
    Published: Nov 30 2012      Issue: Bank Payday Loans, Payday Loans

    CRL urges the NCUA to structure their Payday Alternatives Loan (PAL) program to reflect the broad range of alternatives, to prevent the program from operating like a series of high-cost payday...

  • CRL and NCLC Comments on Wells Fargo Payday Lending and CRA Examination
    Published: Nov 29 2012      Issue: Bank Payday Loans, Payday Loans

    Wells Fargo's direct engagement in payday lending should have a significant negative impact on their upcoming Community Reinvestment Act evaluation.

  • Congress: Extend Mortgage Forgiveness Debt Relief Act
    Published: Nov 29 2012      Issue: Mortgage Lending

    Center for Responsible lending joined with Financial Services Roundtable and Housing Policy Council to ask Congress to extend the Mortgage Forgiveness Debt Relief Act.

  • Collateral Damage: The Spillover Cost of Foreclosures
    Published: Oct 24 2012      Issue: Mortgage Lending

    When families lose their homes to foreclosure, their nearby neighbors lose value on their properties. This report estimates this "spillover" cost nationwide will be nearly $2 trillion. Over half of...

  • CRL Comments To the Consumer Financial Protection Bureau RE: Truth in Lending Act (Regulation Z) and Loan Originator Compensation
    Published: Oct 16 2012      Issue: Mortgage Lending

    CRL affirms that limits on loan originator compensation contained in the Dodd-Frank Wall Street Reform and Consumer Protection Act and in Regulation Z are important consumer protections that...

  • Making Mortgage Servicing More Effective: Comments to the CFPB
    Published: Oct 9 2012      Issue: Mortgage Lending

    In comments submitted to the Consumer Financial Protection Bureau, CRL makes a number of recommendations to help ensure loan servicers give distressed mortgages a timely, efficient and...

  • Foreclosure Counseling: Areas of Greatest Need in 2012
    Published: Oct 3 2012      Issue: Mortgage Lending

    This 2012 research brief identifies which metro and rural areas are hardest hit by foreclosures and remain areas of greatest need for additional foreclosure counseling resources.

  • The Future of Homeownership
    Published: Sep 21 2012      Issue: Mortgage Lending

    After years of steady progress, the homeownership rate in America has seen its biggest drop since the Great Depression. Today we have an opportunity to return to a stable lending environment with...

  • CRL Comments to the Consumer Financial Protection Bureau on RESPA and TILA (Regulations X and Z)
    Published: Sep 7 2012      Issue: Mortgage Lending

    CRL offers supports the Bureau's consumer protection proposal for mortgage rules and disclosures for high-cost (HOEPA) loans. But it urges CFPB to be vigilant about evasions of HOEPA and to adopt...

  • A Government-Mandated 10% Down Payment: Bad for Families, the Housing Market and the Economy
    Published: Aug 31 2012      Issue: Mortgage Lending

    Decades of lending have shown that low down payment lending can be successful. Excluding millions of good borrowers from the mainstream mortgage market would be a serious mistake.

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