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  • About CRL
    • Staff
    • Board of Directors
    • FAQs
    • Careers
    • Impact
  • Issues
    • Consumer Finance
    • Debt Collection & Settlement
    • Mortgage Lending
    • Overdraft Fees
    • Payday and Other Small Dollar Loans
    • Small Business
    • Student Loans
  • Research & Policy
  • Newsroom
    • CRL in the News
    • Press Releases
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Issues

We aim to communicate complex issues in ways that are compelling and accessible so that policymakers and the public have the information they need to make informed decisions.

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.

Debt Collection & Settlement

Debt Collection & Settlement

More than 4 million Americans are subject to wage garnishments for outstanding consumer debts and over 64 million people are being pursued by debt collectors.

Mortgage Lending

Mortgage Lending

Home ownership has been the primary means for most American families to build and pass on inter-generational wealth.

Overdraft Loans

Overdraft Fees

Excessive overdraft fees charged by banks and credit unions can cause devastation for financially vulnerable families.

Payday and Other Small Dollar Loans

Payday and Other Small Dollar Loans

Payday, car-title, and similar high-cost loans, typically with interest rates of 100% APR and higher, trap people in crippling long-term debt.

Small Business

Small Business

CRL works to ensure fair treatment of small businesses and works to ensure that regulations do not exacerbate pre-existing inequities in the small business space.

Student Loans

Student Loans

Student loans create debt burdens that impact families for generations. 

Issues

  • Consumer Finance
  • Debt Collection & Settlement
  • Mortgage Lending
  • Overdraft Fees
  • Payday and Other Small Dollar Loans
  • Small Business
  • Student Loans

State-level Work

  • NC Coalition for Responsible Lending
  • Californians for Economic Justice (CA4EJ)
  • Explore our work across the country.

Faith & Credit

CRL's Faith & Credit program supports communities of faith working to eliminate abusive lending. Learn more

Support CRL

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CRL operates on contributions from individuals and institutional funders. 

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Thank you for your support!

© 2023 Center for Responsible Lending. 
All rights reserved. 

Center for Responsible Lending 
302 West Main Street, 
Durham, NC 27701 
(919) 313-8500 

District of Columbia Office 
910 17th Street NW, Suite 800, 
Washington, DC 20006 
(202) 349-1850 

California Office 
1970 Broadway Suite 350, 
Oakland, CA 94612 
(510) 379-5500

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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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