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Delvin Davis

Senior Research Analyst

Since 2002, Delvin Davis has served in several capacities researching predatory lending products and practices. Currently, Delvin is the lead researcher on auto/car title lending. Based in Durham, Delvin in 2014 authored "Non Negotiable", a study of the impacts of negotiation and comparison shopping for people of color. In 2013, he also co-authored "Driven to Disaster" finding that car title lenders cost consumers $3.6 billion in interest annually.

Delvin earned his graduate degree from the University of North Carolina at Chapel Hill. When not at work, he enjoys sports, writing poetry, and painting.

Research & Policy

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



June 25, 2018 | By Hot News
To get the best rate possible, before heading to a dealership, check your credit scores and get preapproved for an auto loan. You can still get financed on the spot, but “now you have this...
May 10, 2018
Savings Figures Could Flip to Fee Drain if Federal Threats to NC Consumer Protections Are Realized DURHAM, N.C. – A new Center for Responsible Lending (CRL) analysis breaks down the $457 million...
April 8, 2018 | By Emily Glazer and Gretchen Morgenson | The Wall Street Journal
While many consumers choose to buy aftermarket products, they’ve also generated complaints. “Each of these products is very expensive—if you finance them through the dealership they’re marked up 100...
February 14, 2018 | By Sarah Willets
According to Delvin Davis, with the Center for Responsible Lending, about 60 percent of people detained at the Durham jail in 2016 were held pretrial. Of that group, about 40 percent of the pretrial...