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Charla Rios

Deputy Director of Research

Charla Rios (Hodges) is the deputy director of research at the Center for Responsible Lending focusing on payday lending and predatory debt practices. Prior to working with CRL, Charla was a Senior Project Director at Counter Tools, a non-profit consulting organization devoted to advancing place-based public health, where she worked with states to utilize research and primary data to advance tobacco and food point of sale policies. Over her professional career, Charla has acquired skills such as administering surveys, facilitating focus groups and data interpretation.

Charla graduated with a B.S degree in Community Health Education and Ethnic Studies from East Carolina University and pursued a dual-Master’s degree in City and Regional Planning (Economic Development) and Public Health (Health Behavior) at the University of North Carolina-Chapel Hill. She served as the 35th annual Minority Health Conference co-chair and was selected as a Lucy Morgan Fellow. In her spare time, Charla enjoys reading, hiking and making art.


July 21, 2022 | By Katie Wedell | USA Today
Buy now, pay later (BNPL) apps have quickly risen in popularity – accounting for $142 billion in e-commerce transactions last year, according to a report from Worldpay. But some customers have...
July 21, 2022 | By Jayme Deerwester | USA Today
It can be difficult to get a refund if something goes wrong with the purchase, according to Charla Rios, deputy director of research at the Center for Responsible Lending, a nonprofit organization...
April 26, 2022
Information isn't getting to many people on how they can pay off payday loans, which can have an interest rate of up to 400%.
February 17, 2021
Seventeen states and DC now cap rates at around 36% or lower to stop abusive debt trap loans, with Illinois poised to become the eighteenth DURHAM, NC – Today, the Center for Responsible Lending (...