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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.



September 27, 2016
On September 26, the Consumer Financial Protection Bureau (CFPB) levied a $9 million fine against TitleMax parent company TMX Finance LLC for failure to tell consumers the terms and costs of auto-...
August 18, 2016
New research finds that in states without triple-digit payday loans, 90 million consumers save more than $2.2 billion each year that would have otherwise been paid to lenders. These costs savings...
May 18, 2016 | By Ann Carrns | The New York Times
Delvin Davis, senior research analyst at the Center for Responsible Lending, said even a high-interest credit card might be a better option than a car title loan. “I would avoid them at all costs,”...
May 18, 2016
The Consumer Financial Protection Bureau (CFPB) today released a research report on car-title lending that underscores earlier independent findings by the Center for Responsible Lending (CRL...