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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  • 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...

  • 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...

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