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...

  • 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...

  • 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...

  • 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...

  • 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...

  • 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...

  • 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.

  • 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...

  • 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...

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