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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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  • High-Cost Payday Lending Traps Mississippi Borrowers
    Published: Jul 26 2010      Issue: Payday Loans

    The state of Mississippi is gearing up for a legislative battle as the expiration of a law approaches in 2012. If the law sunsets as scheduled, payday lenders will no longer be exempt from a 36...

  • Payday lenders pose as brokers to evade interest rate caps
    Published: Jul 16 2010      Issue: Payday Loans

    In recent years, a growing number of states have enacted interest rate caps and other protections to eliminate abusive payday lending practices that trap consumers in long term debt. Payday lenders...

  • Comment: Potential Violations of the Credit CARD Act
    Published: Jul 7 2010      Issue: Credit Cards

    CRL and consumer coalition express concerns about credit card issuer potential violations of the the Credit CARD Act of 2009. Problems related to penalty rate disclosures, variable rates, payment...

  • Comments on NCUA's Notice of Proposed Rulemaking on Short-term, Small Amount Loans
    Published: Jul 6 2010      Issue: Payday Loans

    Comments of the Center for Responsible Lending on the Notice of Proposed Rulemaking on Short-term, Small Amount Loans from National Credit Union Administration--12 CFR Part 701--RIN 3133-AD71....

  • Debt Settlement Comments to the FTC
    Published: Jul 2 2010      Issue: Debt Settlement

    The Comments of Michael Calhoun, President, of the Center for Responsible Lending to the Federal Trade Commission regarding the Notice of Proposed Rule-Making: Telemarketing Sales Rule Debt Relief...

  • Guidance to OTS on Overdraft Protection Programs
    Published: Jun 28 2010      Issue: Overdraft Loans

    CRL’s, Consumer Federation of America and the National Consumer Law Center’s comment letter to the OTS regarding the agency’s Supplemental Guidance on Overdraft Protection Programs.

  • Foreclosures by Race and Ethnicity: The Demographics of a Crisis
    Published: Jun 18 2010      Issue: Mortgage Lending

    Center for Responsible Lending report sheds light on the nation's foreclosure crisis by using government and industry data to estimate the number of foreclosures in recent years and their impact by...

  • CRL Comment Letter on Garnishment of Federal Benefits
    Published: Jun 18 2010      Issue: Overdraft Loans

    CRL and other consumer groups provide comment on the Office of Personnel Management's proposed rule regarding garnishment of federal benefits.

  • Auto Dealers Should Play By The Same Rules As Everyone Else
    Published: Jun 17 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    The auto dealer lobby successfully fought to receive a special exemption in the House from the rules of the Consumer Financial Protection Bureau (CFPB) in the financial reform bill even when the...

  • Top Priorities for Real Financial Reform
    Published: Jun 16 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    For the final financial reform bill that will be considered and voted on by the House and Senate joint conference committee, there are three issues vital in protecting taxpayers from another crisis...

  • A Just Fee or Just a Fee?
    Published: Jun 8 2010      Issue: Credit Cards

    CRL research report finds that even after the new credit card law and credit card reform, credit card late fees still penalize cardholders while increasing profits for credit card banks and credit...

  • Capitalizing on New Credit Card Consumer Protections
    Published: May 6 2010      Issue: Credit Cards

    This brief explains the benefits of credit card reform by showing that cardholders paying more than the credit card minimum payment since the passage of the new credit card law, the Credit CARD Act...

  • All Auto Financing Should be Covered by the Consumer Watchdog
    Published: Apr 29 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    Consumer Advocates and The Pentagon Call for all Auto Dealer-Lenders to be Covered by Consumer Watchdog.

  • Myths vs. Facts about the Consumer Financial Protection Bureau
    Published: Apr 23 2010      Issue: Consumer Financial Protection Bureau

    The Consumer Financial Protection Bureau would actually reduce regulatory burden while increasing safety and soundness and making loans more affordable.

  • Myths vs. Facts about the Consumer Financial Protection Bureau
    Published: Apr 23 2010      Issue: Consumer Financial Protection Bureau

    The Consumer Financial Protection Bureau would actually reduce regulatory burden while increasing safety and soundness and making loans more affordable.

  • Why a Federal Consumer Protection Watchdog Matters to the States
    Published: Apr 16 2010      Issue: Consumer Financial Protection Bureau

    Financial companies are lobbying hard to strip states' rights to make and enforce consumer protection rules, but states must stay on the front lines of fighting predatory lending.

  • Military Coalition Letter to Senate Banking re Car Dealer Exemption from CFPB
    Published: Apr 15 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    The Military Coalition expressed opposition via letter to the Senate Banking Committee about exempting car dealers from the financial reform bill on April 15 2010. The Department of Defense wrote a...

  • Comments on Proposed Reg Z Rules Re Implementation of Credit Card Act Provisions
    Published: Apr 14 2010      Issue: Credit Cards

    CRL and other consumer groups comments to the Federal Reserve on proposed credit card rules related to the implementation of the Credit CARD Act and penalty rates and fee increases.

  • No Carve-Outs for Auto Dealers
    Published: Apr 12 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    Car Lenders Must Be Covered by the CFPA.

  • CRL and Other Groups Comment on Clarifications to Fed's Opt-In Rule
    Published: Mar 30 2010      Issue: Overdraft Loans

    CRL and other consumer groups provide comment on the Federal Reserve’s opt-in rule and the proposed changes to Regulation DD.

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