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 State of Lending: Debt Settlement
    Published: Jun 30 2014      Issue: Debt Settlement

    Debt settlement companies offer the promise of settling a consumer’s debt for a fraction of what they owe. Unfortunately debt settlement carries significant risks that may result in consumers...

  • The State of Lending: Debt Collection and Debt Buying
    Published: Apr 30 2014      Issue: Debt Collection

    The debt collection industry is a rapidly expanding business, with revenue increasing up to 600 percent between 2003 and 2012. Private companies buy billions of dollars of charged-off debt from...

  • For-­Profit Colleges Saddle African-­American and Latino Students with Crushing Debt, Poor Employment Prospects
    Published: Apr 24 2014      Issue: Student Loans

    Enrolling in a for-profit college usually means higher costs of attendance and higher default rates on student loans. This policy brief explores why students of color – African-American and Latino...

  • 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: 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...

  • State of Lending: Foreword by Sheila Bair
    Published: Dec 12 2012      Issue: Consumer Finance

    State of Lending provides an across-the-board survey of financial products that Americans use to handle everyday transactions, buy homes and automobiles, and build savings and wealth. The report...

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