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Research

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
March 20, 2023
Cash-Out Refinancing: The Pitfalls of Cash-Out Refinancing in a Rising Interest Rate Environment
January 3, 2023
36% Cap on Annual Interest Rate Stops Payday Lending Debt Cycle
December 15, 2022
Upsold and Weighed Down: An Analysis of a Subset of Supervised Installment Lending in Colorado
December 5, 2022
Poll Results on Bipartisan Support of the Ongoing Mission of the CFPB to Regulate the Financial Industry and Protect Consumers
November 28, 2022
Payment Supplement: A Loss Mitigation Option to Provide Payment Relief for FHA Loans in a High Interest Rate Environment
November 1, 2022
“Paying from the Grave”: Historically Black Colleges and Universities (HBCU) Alumni and the Burden of Student Loan Debt
September 26, 2022
Unsafe Harbor: The Persistent Harms of High-Cost Installment Loans
August 31, 2022
Poll Results: Federal Student Loan Payment Pause Helps Borrowers Pay for Basic Needs
August 2, 2022
Debt Under Duress: The Economic Impacts of Bail Bonds on San Francisco Bay Area Residents
June 28, 2022
Resilient But Deeper in Student Debt: Women of Color Faced Greater Hardships Through COVID-19
May 10, 2022
Necessary Relief: Substantial Cancellation Will Ease the Burden of Unaffordable Student Debt (and Boost the Economy)
February 16, 2022
Poll: Rhode Island Voters Overwhelmingly Support 36% Rate Cap
December 2, 2021
The State of For-Profit Colleges
October 28, 2021
Black America: Examining the HBCU Student Debt Experience
June 3, 2021
First Generation: Criteria for a Targeted Down Payment Assistance Program
April 21, 2021
Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs
March 23, 2021
Map of U.S. Payday Interest Rates
March 18, 2021
Poll: Minnesota Student Loan Borrowers During COVID-19 Pandemic
March 17, 2021
Suing-to-Intimidate: New Evidence Confirms that Oportun Abuses and Intimidates Families in Court to Collect Small-Dollar Loan Debts in California Courts
February 18, 2021
Road to Relief: Supporting Federal Student Loan Borrowers During the COVID-19 Crisis and Beyond Supplement

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