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.


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...
January 13, 2020
DURHAM, N.C. – Today the Center for Responsible Lending (CRL) released a report analyzing the impact of a 36% interest rate cap on South Dakota following its 2016 passage by ballot measure. The Sky...
June 20, 2019 | By Sara Haji | Zora
On Saturday mornings, locals shuffle through the ACE Cash Express at 16th and Mission in San Francisco, greeting one another in Spanish, if at all. The storefront signage — “Fast Loans Prestamos” — ...
Payday loans are marketed as quick cash to help people get to their next paycheck, but they come at a great cost with an average interest of 300 percent and people getting multiple loans over time,...