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.

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  • 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...

  • 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...

  • 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...

  • Collateral Damage: The Spillover Cost of Foreclosures
    Published: Oct 24 2012      Issue: Mortgage Lending

    When families lose their homes to foreclosure, their nearby neighbors lose value on their properties. This report estimates this "spillover" cost nationwide will be nearly $2 trillion. Over half of...

  • Foreclosure Counseling: Areas of Greatest Need in 2012
    Published: Oct 3 2012      Issue: Mortgage Lending

    This 2012 research brief identifies which metro and rural areas are hardest hit by foreclosures and remain areas of greatest need for additional foreclosure counseling resources.

  • Predatory Credit Card Lending: Unsafe, Unsound for Consumers and Lenders
    Published: May 8 2012      Issue: Credit Cards

    What hurts consumers financially hurts business. Losses in downturns mount faster at banks enagaging in unfair, deceptive practices. High-cost penalty fees, interest rates don’t mitigate risk—as...

  • 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...

  • Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
    Published: Jan 18 2012      Issue: Mortgage Lending

    Mandatory down payments on mortgages would put fairly-priced loans out of reach for millions of creditworthy families.

  • Foreclosure Counseling: Areas of Greatest Need in 2011
    Published: Dec 1 2011      Issue: Mortgage Lending

    Which areas of the U.S. have been hardest hit by the foreclosure crisis in 2011? Which areas have the greatest need for foreclosure counselors? This report analyzes 366 metropolitan and 577...

  • Lost Ground, 2011: Disparities in Mortgage Lending and Foreclosures
    Published: Nov 17 2011      Issue: Mortgage Lending

    CRL's research shows we're not even halfway through the foreclosure crisis. "Lost Ground" covers the scope of the crisis, the impact by race and ethnicity, and foreclosures and serious...

  • Disparities in Mortgage Lending and Foreclosures: Maps and Data
    Published: Nov 17 2011      Issue: Mortgage Lending

    Click on a state to view foreclosures and serious delinquencies by state and metropolitan area. Also: see 8 charts that break the information down further by demographics and income.

  • Big Bank Payday Loans
    Published: Jul 21 2011      Issue: Payday Loans

    A new CRL report describes how banks are adding predatory payday loans to their arsenal of inappropriate loan products. These loans drain cash from low-income Americans.

  • Credit Card Clarity: CARD Act Reform Works
    Published: Jun 1 2011      Issue: Credit Cards

    New credit card rules help consumers by making credit card pricing significantly clearer, new CRL research finds. New rules lower costs by spurring competition, making it harder for issuers to...

  • 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...

  • Payday Loans, Inc: Short on Credit, Long on Debt
    Published: Mar 31 2011      Issue: Payday Loans

    New CRL research tracking borrowers over two years dispels the notion that a payday loan is a short-term debt. Although marketed and advertised as a quick solution to an occasional financial...

  • Fix or Evict? Loan Modifications Return More Value Than Foreclosures
    Published: Mar 23 2011      Issue: Mortgage Lending

    CRL's new research reveals banks and other loan servicers have a strong foreclosure bias that cheats investors. Banks push for foreclosures even when investors benefit more with a loan mod.

  • Numbers Game: The True Cost of Credit Card Mail Offers
    Published: Oct 25 2010      Issue: Credit Cards

    Credit card offers have grown increasingly complex over time. Using a straightforward measure of complexity—the total number of numeric figures that appear on a credit card direct mail offer—this...

  • A National Tragedy: HMDA Data Highlight Homeownership Setbacks for African Americans and Latinos
    Published: Sep 24 2010      Issue: Mortgage Lending

    Borrowers of color received more unsustainable loans, suffer more than their share of foreclosures, and have less access to credit. The result is that homeownership rates have gone down for...

  • Analysis of Federal Reserve Research on Behavioral Scoring
    Published: Aug 11 2010      Issue: Credit Cards

    Analysis of Federal Reserve Research on Behavioral Scoring: On “Report to the Congress on Reductions of Consumer Credit Limits Based on Certain Information as to Experience or Transactions of the...

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