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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- Congressional Research Service Memo re H.R. 627
May 12, 2009
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 substitute prepared by the Senate Banking Committee.
- Selective Interpretation? Top Credit Card Issuers Appear to Follow Own Rules.
May 8, 2009
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 America, JP Morgan Chase, Capital One, HSBC, Discover, American Express, and Wells Fargo-- are raising interest rates on a larger portion of customers than usual and increasing the number of fees they impose.
- Soaring Spillover: Accelerating Foreclosures to Cost Neighbors $502 billion in 2009 alone; 69.5 million homes lose $7,200 on average
May 7, 2009
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, and 9 million during 2009-2012. This report also reflects a somewhat more conservative methodology for calculating the spillover impact.
- Borrowed Time: RAL Usage Among EITC Recipients in Native Communities
April 30, 2009
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 Americanpopulation and lands.
- Quick Facts on Overdraft Loans
April 9, 2009
Brief facts about overdraft loans, largely derived from CRL research
- Comments on Regulation E—Overdraft Practices
March 30, 2009
The Center for Responsible Lending, along with Consumer Action, Consumer Federation of America, Consumers Union, National Association of Consumer Advocates, National Consumer Law Center (on behalf of its low-income clients), and U.S. PIRG provide the following comments regarding the Federal Reserve Board’s proposed rule to amend Regulation E pursuant to the Electronic Funds Transfer Act.
- Interest Rate Survey
March 30, 2009
CRL conducted a national survey to measure public support for one strategy on the table: a 36 percent cap on annual interest rates for consumer loans. The survey found high levels of support for such a measure, which had very little variance across different demographic groups.
- Predatory Profiling
March 26, 2009
New CRL analysis finds that California's payday lenders overwhelmingly locate in African-American and Latino neighborhoods, even after controlling for income and other factors, and drain $247 million in the process
- Solutions to the Foreclosure Crisis
March 25, 2009
Highlights of legislation CRL endorsed which focuses on ways to fix the foreclosure crisis
- Overdraft Fees and Opting In Survey
March 23, 2009
A survey of consumer preferences regading overdraft fees and the choice to opt-in to such programs.
- Examining the Making Home Affordable Program
March 19, 2009
Testimony of CRL Senior Policy Counsel Ellen Harnick before House Financial Services Subcomittee on Housing and Community Opportunity.
- Mortgage Lending Reform: A Comprehensive Review of the American Mortgage System
March 11, 2009
Comprehensive testimony detailing the current state of the mortgage system, the reasons it is broken, and the steps and tools needed to stem the massive growth of foreclosures.
- Massachusetts Fights "Exploding" Subprime Mortgages
February 26, 2009
CRL applauds Massachusetts AG for using consumer protection laws, specifically the unfair or deceptive acts or practices (UDAP) law, to stop foreclosures on unfair subprime loans
- Highlights of the New Housing Plan
February 20, 2009
Highlights of President Obama's plan to address the housing crisis
- Payday Loans Put Families in the Red
February 20, 2009
Explains how payday lending does not help borrowers avoid overdraft fees in spite of industry claims.
- Promoting Bank Liquidity and Lending Through Deposit Insurance, The HOPE for Homeowners Program, And Other Enhancements
February 3, 2009
Testimony re: H.R. 703, a bill to promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners program, and other enhancements.
- A 36% APR Cap on High-Cost Loans Promotes Financial Recovery
January 31, 2009
Explains the importance of a federal 36% interest rate cap in stopping predatory lending and stimulating the economy.
- Common-Sense Solutions for Saving Homes and Communities
January 30, 2009
CRL proposes four policy recommendations that focus on removing obstacles that prevent systematic, sustainable loan modifications
- CRL’s Summary of Credit Suisse Findings on Bankruptcy Reform
January 29, 2009
Excerpts from Credit Suisse report which discussed bankruptcy reform
- A Tax-Free Foreclosure Solution: Loan Mods Through the Courts
January 28, 2009
Report advocates use of Court-supervised loan modifications without using public funds in order to preserve home values and provide fair terms to lenders