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.

  • 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.

  • 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...

  • Deal or No Deal: How Yo-Yo Scams Rig the Game against Car Buyers
    Published: Apr 4 2012      Issue: Auto Financing

    This latest paper by CRL provides a clear picture of the prevalence of yo-yo scams, insight into how yo-yo scams are perpetrated, and identifies which consumers are most likely to be targeted by...

  • Under the Hood: Auto Loan Interest Rate Hikes Inflate Consumer Costs and Loan Losses
    Published: Apr 19 2011      Issue: Auto Financing

    New report from CRL highlights a 24 percent increase in dealer rate markup volume to $25.8 billion per year; reveals a higher interest rate markup for consumers with weaker credit; links higher...

  • Under the Hood: Auto Loan Interest Rate Hikes Inflate Consumer Costs and Loan Losses
    Published: Apr 19 2011      Issue: Auto Financing

    New report from CRL highlights a 24 percent increase in dealer rate markup volume to $25.8 billion per year; reveals a higher interest rate markup for consumers with weaker credit; links higher...

  • Racial Disparities in Auto Lending
    Published: May 4 2010      Issue: Auto Financing, Consumer Financial Protection Bureau

    A brief by the National Consumer Law Center shows state-by-state markups on auto loan rates by race, revealing wide disparities between costs for African-American and white car buyers.

  • Car Trouble: Predatory Auto Loans Burden North Carolina Consumers
    Published: Apr 30 2009      Issue: Auto Financing

    Center for Responsible Lending research finds North Carolina consumers who rely on the dealer to finance their auto loans are vulnerable to a litany of predatory practices. Without fairness and...