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Consumer Finance

Consumer Finance

CRL monitors developments across the consumer finance sector and acts to protect people’s pocketbooks from financial misconduct so families can build financial stability. This includes advocating for enforcement of laws banning discrimination based on race, national origin, sex, and other protected characteristics. CRL also fights to defend the Consumer Financial Protection Bureau, a crucial government watchdog that was established in the wake of the 2008 Financial Crisis to stop predatory practices. We support the development of policy and regulatory infrastructure needed to ensure an equitable green lending marketplace for all consumers. 

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More than 300 Organizations Urge Congress to Support the Consumer Financial Protection Bureau

Tuesday, April 29, 2025

More than 300 Organizations Urge Congress to Support the Consumer Financial Protection Bureau

The 349 undersigned consumer, civil rights, labor, legal services and community organizations and academics write to urge you to demand action to restore a strong and independent Consumer Financial Protection Bureau (CFPB). We further urge you to oppose changes to the CFPB’s funding, structure or other changes that would weaken its ability to stand up for consumers, competition and a...
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Letters to Congress
Consumer Finance

Strong, Bipartisan Support for Consumer Bureau and Rules for Overdraft Fees, Medical Debt, Small Business Loans

Wednesday, March 5, 2025

Strong, Bipartisan Support for Consumer Bureau and Rules for Overdraft Fees, Medical Debt, Small Business Loans

The newest poll from the bipartisan polling team Lake Research Partners and Chesapeake Beach Consultingi provides fresh evidence that the overwhelming majority of Americans across the political spectrum support the mission of the Consumer Financial Protection Bureau (CFPB) to regulate the financial industry and protect consumers. The new findings are consistent with previous opinion research demonstrating widespread, intense public support...
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Research
Consumer Finance Small Business

Mitria Spotser Testimony at House Committee Hearing on Community Banking

Monday, February 3, 2025

Mitria Spotser Testimony at House Committee Hearing on Community Banking

Watch the recorded testimony of CRL VP Mitria Spotser before the U.S. House Committee on Financial Services in a hearing titled "Make Community Banking Great Again."
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Testimony
Consumer Finance

Support for the Forced Arbitration Injustice Repeal Act (the FAIR Act), S.1376 and H.R. 2953

Monday, September 16, 2024

Support for the Forced Arbitration Injustice Repeal Act (the FAIR Act), S.1376 and H.R. 2953

Public interest organizations, appalled by the Walt Disney Company invoking its restrictive terms of use to evade accountability for the death of a consumer on its premises, wrote to Congress in support of an immediate mark up to the Forced Arbitration Injustice Repeal Act (the FAIR Act), S.1376 and H.R. 2953 so that this legislation may be brought to a...
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Letters to Congress
Consumer Finance

Voters Strongly Support the Consumer Bureau’s Mission Across Political Spectrum

Monday, September 9, 2024

Voters Strongly Support the Consumer Bureau’s Mission Across Political Spectrum

A new poll from the bipartisan polling team Lake Research Partners and Chesapeake Beach Consulting provides fresh evidence that voters across the political spectrum solidly support a strong Consumer Financial Protection Bureau (CFPB) and tough oversight of Wall Street. This support reaches across blue and red states, and is, in some cases, higher in the battleground states of this year's...
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Research
Consumer Finance Small Business

Comment on Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information

Monday, August 12, 2024

Comment on Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information

CRL and Americans for Financial Reform Education Fund (AFREF) support the proposed rule which amends the Fair Credit Reporting Act Regulation V to prohibit creditors and consumer reporting agencies from using medical debt information for credit eligibility determinations or providing medical debt information that a creditor is prohibited from using. The Fair Credit Reporting Act was enacted, in part, to...
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Comment Letter
Consumer Finance

Support for the Close the Shadow Banking Loophole Act

Friday, December 15, 2023

Support for the Close the Shadow Banking Loophole Act

The undersigned organizations, which together represent a broad cross-section of regulated banks, credit unions, and consumer protection organizations, wrote a letter in thanks for introducing the Close the Shadow Banking Loophole Act, and to express their support for this critical legislation which would close the industrial loan company (ILC) loophole in current law. Americans for Financial Reform Bank Policy Institute...
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Letters to Congress
Consumer Finance

Civil Rights Group Letter on Proposed CDFI Program–Certification Application and Annual Reporting

Wednesday, November 29, 2023

Civil Rights Group Letter on Proposed CDFI Program–Certification Application and Annual Reporting

The Center for Responsible Lending, Leadership Conference on Civil and Human Rights, NAACP, National Association of Latino Community Asset Builders (NALCAB), National CAPACD, National Urban League, and UNIDOS US joined in a letter to support "that CDFI certification is truly reserved for mission-driven, community development organizations."
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Letters to Congress
Consumer Finance

Testimony of Mitria Spotser on Preserving Consumer Protections While Modernizing Financial Services

Wednesday, October 25, 2023

Testimony of Mitria Spotser on Preserving Consumer Protections While Modernizing Financial Services

Watch the recorded testimony of Mitria Spotser before United States House of Representatives Committee on Financial Services on the importance of protecting consumers in an evolving marketplace.
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Testimony
Consumer Finance

Advocates Warn Earned Wage Access Bill Facilitates Fintech & Payday Lender Harm to Consumers

Tuesday, October 24, 2023

Advocates Warn Earned Wage Access Bill Facilitates Fintech & Payday Lender Harm to Consumers

In a letter to the author of the Earned Wage Access Consumer Protection Act, advocates warn: "In the guise of offering protections, the bill obscures its true effect: to exempt fintech cash advances from the Truth in Lending Act, to endorse a form of loan that makes workers pay to be paid, and to facilitate new evasions by payday lenders."...
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Letters to Congress
Consumer Finance Small Business

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