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.

Items 41 - 60 of 89  Previous12345Next
  • 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...

  • Banks Target, Mislead Consumers As Overdraft Deadline Nears
    Published: Aug 5 2010      Issue: Overdraft Loans

    Banks want you to allow your checking account to be subject to overdraft fees from debit card purchases.

  • Foreclosures by Race and Ethnicity: The Demographics of a Crisis
    Published: Jun 18 2010      Issue: Mortgage Lending

    Center for Responsible Lending report sheds light on the nation's foreclosure crisis by using government and industry data to estimate the number of foreclosures in recent years and their impact by...

  • A “Foreclosure Capital” in the Shadow of the Nation’s Capital
    Published: Jun 18 2010      Issue: Mortgage Lending

    In Prince George's County, where African Americans are a majority, an alarming number of black families are struggling to fight foreclosure. Louise Golden's story highlights the impact of the...

  • A Just Fee or Just a Fee?
    Published: Jun 8 2010      Issue: Credit Cards

    CRL research report finds that even after the new credit card law and credit card reform, credit card late fees still penalize cardholders while increasing profits for credit card banks and credit...

  • Capitalizing on New Credit Card Consumer Protections
    Published: May 6 2010      Issue: Credit Cards

    This brief explains the benefits of credit card reform by showing that cardholders paying more than the credit card minimum payment since the passage of the new credit card law, the Credit CARD Act...

  • 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.

  • Snapshot of a Foreclosure Crisis
    Published: Mar 17 2010      Issue: Mortgage Lending

    The magnitude of foreclosures and associated costs are daunting; the numbers tell the story.

  • Dodging Reform: As Some Credit Card Abuses Are Outlawed, New Ones Proliferate
    Published: Dec 10 2009      Issue: Credit Cards

    New CRL credit card research identifies hidden and deceptive credit card issuer tricks and traps continue, even after the passage of the Credit CARD Act of 2009 and pending Federal reserve rules....

  • Mortgage Repairs Lag Far Behind Foreclosures
    Published: Dec 4 2009      Issue: Mortgage Lending

    Mortgage companies have blocked sensible actions to stop foreclosures, promising to fix the problem themselves – but they’re not delivering. The latest MBA figures show that the proportion of...

  • Overdraft Explosion: Bank fees for overdrafts increase 35% in two years
    Published: Oct 6 2009      Issue: Overdraft Loans

    Banks and credit unions collected $23.7 billion in overdraft fees in 2008.

Items 41 - 60 of 89  Previous12345Next