Skip to main content

Search form

Charla Rios


Charla Rios (Hodges) is a researcher 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.


April 26, 2022
Information isn't getting to many people on how they can pay off payday loans, which can have an interest rate of up to 400%.
February 17, 2021
Seventeen states and DC now cap rates at around 36% or lower to stop abusive debt trap loans, with Illinois poised to become the eighteenth DURHAM, NC – Today, the Center for Responsible Lending (...
May 20, 2020 | By Jeniffer Solis | Nevada Current
Critics of the industry say the loans are designed to trap borrowers into a cycle of debt. Nearly 20 states have capped rates on payday loans, but lawmakers have rejected efforts to cap the high...
February 4, 2020
Poll released as House Committee Chairwoman Waters backs bipartisan legislation to establish a national 36% interest rate cap WASHINGTON, D.C. – Voters across the country and across the political...