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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.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.



December 15, 2022
Lenders squeeze borrowers with large balances, long terms, expensive and unnecessary add-on products DURHAM, NC – Large, personal loans demand scrutiny from regulators and lawmakers in Colorado...
December 5, 2022 | By Sylvan Lane | The Hill
“This poll reveals Americans of all ideological stripes support the work of the Consumer Financial Protection Bureau. People want the CFPB to stop financial discrimination and other unfair practices...
December 2, 2022
Americans strongly support rules to protect consumers from unfair financial practices, such as discrimination, excessive fees, and abusive lending and debt collection WASHINGTON, D.C. – A new poll...
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...