Research

CRL conducts in-depth research on the extent and impact of predatory lending, to provide useful information to consumers, community advocates, and policymakers alike.

Items 1 - 20 of 79  1234Next
  • Negotiating on Car Loans Doesn’t Help African Americans and Latinos
    Published: Jan 23 2014      Issue: Auto Financing

    Trying to negotiate a better interest rate on your car loan should generally result in a better deal, right? Not so for buyers of color who get loans from dealers.

  • A Roll of the Dice: Debt Settlement Still a Risky Strategy for Debt-Burdened Households
    Published: Nov 19 2013      Issue: Debt Settlement

    Debt settlement programs too often are not the solution they are marketed to be, according to this new CRL research.

  • Effective State and Federal Payday Lending Enforcement: Paving the Way for Broader, Stronger Protections
    Published: Oct 4 2013      Issue: Payday Loans

    The predatory features of payday loans, and the impact of their long-term debt on consumers, have in recent years drawn the attention of legislators and regulators. Policymakers at all levels have...

  • Poll Shows Strong Consumer Support for Financial Regulation
    Published: Sep 11 2013      Issue: Consumer Financial Protection Bureau

    Over 90 percent of likely voters support financial regulation.

  • The State of Lending: Payday Loans
    Published: Sep 10 2013      Issue: Payday Loans

    Payday loans—high-cost, quick-fix loans that trap borrowers in debt by design—cost cash-strapped American families $3.4 billion in fees every year. Of that number, more than two-thirds—$2.6...

  • The State of Lending: Bank Payday Loans
    Published: Sep 10 2013      Issue: Payday Loans, Bank Payday Loans

    Even in the face of strong opposition by banking regulators, a few banks continue to make triple-digit payday loans. In this chapter, our analysis shows no meaningful distinction between...

  • 2013 Update: The Spillover Costs of Foreclosures
    Published: Aug 29 2013      Issue: Mortgage Lending

    The harm caused by over 12.5 million foreclosures is the focus of this brief, the fifth in a series of updated on related findings.

  • Foreclosure Counseling: Areas of Greatest Need in 2013
    Published: Jul 31 2013      Issue: Mortgage Lending

    Where foreclosures have hit the hardest and where the greatest need still remains in 2013 is the focus of this analysis on foreclosure counseling.

  • The State of Lending: High-Cost Overdraft Fees
    Published: Jul 30 2013      Issue: Overdraft Loans

    Many banks and credit unions continue to charge abusive fees on debit cards and checking accounts. In this report, "High-cost Overdraft Practices," CRL finds that, in spite of regulatory changes in...

  • The State of Lending: Car-Title Loans
    Published: Jul 11 2013      Issue: Car Title Loans

    Car-title lending—making expensive loans secured by the title of a vehicle a borrower owns out-right—has become a multi-billion dollar industry in the U.S. over the last decade. CRL estimates that...

  • Minority Homeownership Study Has Flawed Methodology and Conclusions
    Published: Jun 13 2013      Issue: Mortgage Lending

    CRL rebuts working paper on minority homeownership, citing fundamental flaws and conclusions.

  • Triple-Digit Danger: Bank Payday Lending Persists
    Published: Mar 21 2013      Issue: Bank Payday Loans, Payday Loans

    Banks making payday loans continue to trap customers in a cycle of debt, according to a CRL study, "Triple-Digit Danger: Bank Payday Lending Persists." Banks pitch payday loans as short-term...

  • Driven to Disaster: Car-Title Lending and Its Impact on Consumers
    Published: Feb 28 2013      Issue: Car Title Loans

    Research from CRL and Consumer Federation of America finds that car-title loans cost U.S. consumers $3.6 billion in interest on $1.6 billion in loans. According to the research, car-title lenders...

  • 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: 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...

  • La situación del crédito en los Estados Unidos y el impacto en los hogares
    Published: Dec 12 2012      Issue: Consumer Finance

    La situación del crédito en los Estado Unidos (State of Lending), es un análisis comprehensivo dividido en una serie de tres estudios que examinan servicios financieros que familias usan diario...

  • 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: 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...

  • State of Lending: Mortgages Chapter
    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...

  • State of Lending: Credit Cards Chapter
    Published: Dec 12 2012      Issue: Credit 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...

Items 1 - 20 of 79  1234Next