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Payday and Other Small Dollar Loans News
Nov 17
CRL Backs Bipartisan Bill to Limit Interest Rates on Consumer Loans
Nov 02
In Congressional Testimony, CRL Calls for Buy Now Pay Later and other Fintech Products to be Monitored and Regulated
Oct 23
Are early wage access products a worker-friendly innovation — or loans that need regulation?
Oct 23
Are early wage access products a worker-friendly innovation — or loans that need regulation?

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Information for Consumers
State of Lending in America
The report outlines predatory lending practices in various fields of consumer lending, and explains why protecting fair, affordable access to credit is vital for both consumers and the U.S. economy.

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Payday & Other Small Dollar Loans

Research & Policy

Testimony
November 2, 2021
Testimony: Buy Now, Pay More Later? Investigating Risks and Benefits of BNPL and Other Emerging Fintech Cash Flow Products
Comment Letter
October 18, 2021
Comment on Proposed Interagency Guidance on Third-Party Relationships: Risk Management
Letters to Congress
October 12, 2021
Organizations and Academics Urge the CFPB to Regulate Fee-based Earned Wage Access Products as Credit
Letters to Congress
October 12, 2021
Concern Regarding Prior CFPB Leadership’s Finding that Certain Earned Wage Access Products are Not “Credit” under TILA
Testimony
July 29, 2021
Testimony: Protecting Americans from Debt Traps by Extending the Military’s 36% Interest Rate Cap to Everyone
Comment Letter
April 30, 2021
Opposition to the National Credit Union Administration’s Proposal which Would Authorize Predatory Lending by Credit Unions
Testimony
April 28, 2021
Testimony: The Reemergence of Rent-a-Bank?
Policy & Legislation
April 23, 2021
Correcting the Record: The OCC’s “Fake Lender” Rule Expands Harmful, Predatory Lending
Research
March 23, 2021
Map of U.S. Payday Interest Rates
Letters to Congress
March 22, 2021
Broad Coalition Calls for Congress to Rescind “Fake Lender” Rule that Facilitates Predatory Loan Schemes

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Charla Rios
Researcher
Rebecca Borné
Senior Policy Counsel