Skip to main content

Search form

Graciela Aponte-Diaz

Director of California Policy

Graciela Aponte-Diaz is the director of California policy, based in Oakland, where she works with stakeholders in California to develop and implement strategies for advancing CRL’s goals for strong consumer protection and responsible lending policies in the state.

Graciela first joined CRL in 2012, where she pioneered some of the most successful strategies in engaging the voices of payday borrowers in advocacy for stronger protections at the state and federal level. In 2015, Graciela served on the Executive Staff of Self-Help Federal Credit Union, CRL’s sister organization. She worked on the development of a small dollar loan designed to help low-income immigrants apply for DACA (Deferred Action for Childhood Arrivals).

Before joining CRL, Graciela was the senior legislative analyst for the Wealth-Building Policy Project at the National Council of La Raza (NCLR). While at NCLR, she helped successfully restore federal funds for housing counseling; fought for improvements to President Obama’s foreclosure prevention program; testified before Congress on housing policy; and fought for a strong financial reform bill which resulted in the creation of a new federal agency tasked with protecting consumers.

Graciela began her career working directly with community members as a housing counselor and as a community liaison to a Congressional Representative in Prince George’s County, Maryland. Graciela received her bachelor’s degree in Government and Politics from the University of Maryland.

Research & Policy

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

News

October 4, 2018 | By James Rufus Koren | Los Angeles Times
When LendMark started offering subprime loans to California residents a few years ago, it noticed something odd: a vast and growing number of big loans offered by rival firms at interest rates of 100...
September 19, 2018
OAKLAND, CALIF. – California Governor Jerry Brown has signed into law SB 818, a bill to restore key provisions in California’s landmark “Homeowner’s Bill of Rights” (HBOR) legislation which passed in...
September 12, 2018 | By JAMES RUFUS KOREN | Los Angeles Times
U.S. Bank says it will offer nearly instant small loans to its customers, becoming the first bank to provide such a product since federal regulators cleared the way earlier this year amid continuing...
September 5, 2018
OAKLAND, CALIF. – The Center for Responsible Lending (CRL) is calling on California Governor Jerry Brown to veto AB 237, a bill which would expand unsound lending practices in ways that do not...

Pages