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Payday and Other Small Dollar Loans News
Jul 28
U.S. Senators Introduce Bill to Establish Strong, Nationwide Interest Rate Cap
Jul 23
Decrease in California Payday Loan Activity
Jul 07
Are state interest-rate caps an automatic win for borrowers?
Jul 01
President Signs Resolution Rescinding Injudicious OCC Rule

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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.

Read the Report

Payday & Other Small Dollar Loans

Research & Policy

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
Policy & Legislation
February 4, 2021
The Rent-A-Bank Scheme
Comment Letter
January 4, 2021
Comment to OCC Opposing Proposed Rule to Pressure Banks to Support Predatory Lending
Comment Letter
December 22, 2020
Comment on Opportun’s Bank Charter Application
Letters to Congress
December 22, 2020
Sign-on Letter: Opportun's Lending Practices Harm Latino and Low-to-moderate Income Borrowers

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Charla Rios
Researcher
Rebecca Borné
Senior Policy Counsel