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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.


July 13, 2018
OAKLAND, CALIF. - Great Lakes Educational Loan Services, Inc., one of the country’s largest student loan servicers that was acquired by NelNet Inc. last February, has signaled to the California...
June 29, 2018
OAKLAND, CA – Yesterday, California Attorney General (AG) Xavier Becerra filed a lawsuit against Navient Corporation, the nation's largest student loan servicer and its subsidiaries for violations of...
June 1, 2018 | By Nick Cahill | Courthouse News Service
The Center for Responsible Lending — which sponsored Assembly Bill 2500 — said lawmakers wilted and succumbed to the financial industry’s heavy lobbying. “Assembly members just signaled to...
June 1, 2018
AB 2500 would have been a historic step forward to help distressed Californians from falling victims to abusive predatory lending SACRAMENTO, CALIF. – Last night, several members of the California...