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Graciela Aponte-Diaz ‌

Graciela Aponte-Diaz

Vice President of Community Engagement, Julian Bond Institute

Debt Collection & Settlement Payday and Other Small Dollar Loans

Graciela Aponte-Diaz is the vice president of community engagement for CRL's Julian Bond Institute for Financial Equity Research and based in Washington, DC.

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

Testimony on Rent-A-Bank Schemes and New Debt Traps

Wednesday, February 5, 2020

Testimony on Rent-A-Bank Schemes and New Debt Traps

Borrower story from the testimony of Graciela Aponte-Diaz: California borrower story: I currently have an installment loan in the amount of $2600.00 from Speedy Cash . . . . At the same time, I also have [x] $300.00 payday loans from [x] different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a $300.00 payday loan from...
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Testimony
Payday and Other Small Dollar Loans

Student Loan Debt Crisis - Testimony of August 2017

Tuesday, August 29, 2017

Student Loan Debt Crisis - Testimony of August 2017

Before the Joint Hearing of the California Assembly Select Committee on Youth and California’s Future and Assembly Banking and Finance Committee Graciela Aponte-Diaz presented the following information in her testimony: First, a snapshot of student loan borrowers, nationally and here in California; Second, highlight major issues with student loan servicing; and Finally, I’d like to provide some policy recommendations for...
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Testimony
Student Loans

Prepared Remarks of Graciela Aponte-Diaz Before the CFPB Field Hearing on Debt Collection, July 2016

Thursday, July 28, 2016

Prepared Remarks of Graciela Aponte-Diaz Before the CFPB Field Hearing on Debt Collection, July 2016

Read Graciela Aponte-Diaz's remarks before the July 2016 CFPB Field Hearing on Debt Collection. The unfair and abusive practices of debt collection in the market can take advantage of financially-distressed consumers or unfairly strip families of wealth. The Great Recession made this financial distress inevitable for many U.S. households. Each year, tens of millions of Americans are pursued by creditors...
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Testimony
Debt Collection & Settlement

News

Wednesday, November 17, 2021

CRL Backs Bipartisan Bill to Limit Interest Rates on Consumer Loans

Thursday, September 30, 2021

In Today’s Vote, Senators Should Support Rohit Chopra for CFPB Director

Thursday, September 30, 2021

Senate confirms Chopra to lead Consumer Financial Protection Bureau

Friday, August 13, 2021

CRL Lauds HUD and FHFA for New Collaborative Agreement to Combat Housing and Lending Discrimination

Thursday, July 1, 2021

President Signs Resolution Rescinding Injudicious OCC Rule

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CRL’s expertise gives it trusted insight to evaluate the impact  of financial products and policies on the wealth and economic stability of Asian, Black, Latino, rural, women, military, low-wage, low-wealth, and early-career workers and communities.

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