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Small Business

Small Business

There are more than 26 million small businesses in America and 96% of those businesses have fewer than ten employees. The majority of minority and women owned businesses are among these smallest of the small businesses. CRL works to ensure fair treatment and fair lending practices to small business owners who want to start or grow their businesses and strengthen their communities and ensures that regulations do not exacerbate pre-existing inequities in the small business space.

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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

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

Advocates Warn Financial Services Innovation Act Would Cause "Sahara Desert" of Consumer Protections

Tuesday, October 24, 2023

Advocates Warn Financial Services Innovation Act Would Cause "Sahara Desert" of Consumer Protections

In a letter to the House of Representatives' Financial Services Committee, consumer advocates warn that the Financial Services Innovation Act of 2023 would facilitate evasion of existing consumer protection laws and regulations. Citing the foreclosure crisis around 2008 and other examples, the letter states: "Blind endorsement of 'innovations' leads to consumer harms." The bill, currently a discussion draft, was considered...
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Letters to Congress
Consumer Finance Small Business

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

Voters Overwhelmingly Support the Consumer Bureau’s Mission Across Party Lines

Friday, September 29, 2023

Voters Overwhelmingly Support the Consumer Bureau’s Mission Across Party Lines

New data from the bipartisan polling team Lake Research Partners and Chesapeake Beach Consulting shows that voters across the political spectrum overwhelmingly support the ongoing mission of the Consumer Financial Protection Bureau (CFPB) to regulate the financial industry and protect consumers. The survey also revealed strong support for maintaining the secure, independent funding mechanism for the CFPB. These new findings...
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Research
Consumer Finance Small Business

Allow the CFPB’s Final 1071 Rulemaking to Proceed without Delay

Thursday, March 23, 2023

Allow the CFPB’s Final 1071 Rulemaking to Proceed without Delay

National CAPACD, NALCAB, and the Center for Responsible Lending submitted this letter to support the Consumer Financial Protection Bureau’s (CFPB) final Section 1071 regulation which will improve relationship banking by creating a robust and comprehensive data collection regime that helps ensure that small business lending is fair and accessible to entrepreneurs from all communities in the United States.
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Letters to Congress
Small Business

Letter Urging the U.S. Treasury Department and U.S. Small Business Administration to reverse the Good Faith Error Rule of the Paycheck Protection Program

Thursday, September 15, 2022

Letter Urging the U.S. Treasury Department and U.S. Small Business Administration to reverse the Good Faith Error Rule of the Paycheck Protection Program

The Center for Responsible Lending (CRL), American Business Immigrant Coalition (ABIC), and more than 20 consumer, civil rights and advocacy groups and lenders, recently submitted a letter urging the U.S. Treasury Department and U.S. Small Business Administration (SBA) to reverse the Good Faith Error Rule that has prevented more than 300,000 small business owners from obtaining forgiveness of Paycheck Protection...
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Letters to Congress
Small Business

Letter Calls for Fed & OCC to Reject Proposed TD Bank Merger

Tuesday, August 23, 2022

Letter Calls for Fed & OCC to Reject Proposed TD Bank Merger

Amid growing concern about corporate consolidation, the Center for Responsible Lending (CRL) and Americans for Financial Reform Education Fund are leading a letter calling for the Federal Reserve and the Office of the Comptroller of the Currency (OCC) to reject a proposed merger between TD Bank and First Horizon Bank. Their comment letter points to several reasons why regulators should...
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Comment Letter
Small Business Overdraft Fees

Joint Comment Letter on the Community Reinvestment Act Calling for Affordable Credit for Minority-Owned Businesses

Friday, August 5, 2022

Joint Comment Letter on the Community Reinvestment Act Calling for Affordable Credit for Minority-Owned Businesses

The National Coalition for Asian American Community Development (National CAPACD), the Center for Responsible Lending (CRL), and the National Association for Latino Community Asset Builders (NALCAB) are pleased to submit collective recommendations as the Building Back Better for Entrepreneurs of Color partnership to the interagency request for public input regarding the Community Reinvestment Act.
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Comment Letter
Small Business

Comment: Access to Capital Is One of the Greatest Barriers to Success for Minority Entrepreneurs

Tuesday, May 31, 2022

Comment: Access to Capital Is One of the Greatest Barriers to Success for Minority Entrepreneurs

NALCAB, the National Association for Latino Community Asset Builders, The National Coalition for Asian Pacific American Community Development (CAPACD), and the Center for Responsible Lending (CRL) write in response to the invitation for public comments regarding changes made to the Community Advantage Pilot Program (CA) noticed in the Federal Register on April 29th, 2022. Access to capital is one of...
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Comment Letter
Small Business

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Building on Over 40 Years of Lending Experience

CRL’s expertise gives it trusted insight to evaluate the impact  of financial products and policies on the wealth and economic stability of Asian, Black, Latino, rural, women, military, low-wage, low-wealth, and early-career workers and communities.

CRL is an affiliate of Self-Help, one of the nation’s largest nonprofit community development financial institutions. Our work leverages the strength of partnerships with national and local consumer and civil rights organizations.

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