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Katelin Kaiser ‌

Katelin Kaiser

Policy Counsel

Katelin Kaiser is policy counsel on the state policy team at the Center for Responsible Lending's Durham office. She collaborates with​ advocates, community organizations, and lawmakers to strengthen safeguards around small-dollar lending and advance financial fairness and transparency. 

Prior to joining CRL, Katelin served as policy director at Democracy North Carolina, where is led the organization’s policy, research, and election protection efforts to defend and advance voting rights across the state. She previously worked as voting rights counsel at the Southern Coalition for Social Justice, litigating complex federal and state civil rights cases on behalf of community members and organizations to challenge discriminatory redistricting maps and suppressive voting laws. Katelin has also represented candidates in election-related administrative hearings and served on case teams at the U.S. Supreme Court. 

Katelin graduated with honors from North Carolina Central University School of Law and was the recipient of the Floyd B. McKissick Award for Leadership and Scholarship and the Pro Bono Service Impact Award.

Research & Policy

Nickel and Dimed: How Payday Loan Apps Drain Workers’ Pay and How to Stop Them

Wednesday, October 15, 2025

Nickel and Dimed: How Payday Loan Apps Drain Workers’ Pay and How to Stop Them

Payday loan apps draw borrowers into a pattern of repeated borrowing and a succession of fees that pull from already-stretched paychecks, creating demand for the next loan.
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Policy & Legislation
Payday and Other Small Dollar Loans

State-by-State Action on Payday Loan Apps

Wednesday, October 15, 2025

State-by-State Action on Payday Loan Apps

Payday loan app companies try to evade state credit laws by promoting a legal fiction: they claim that these loans are not loans. As state regulators and attorneys general investigate and challenge industry violations of credit law, these lenders have lobbied state legislatures for exemptions from those laws. This state law chart serves as a shorthand guide to state regulation...
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Policy & Legislation
Payday and Other Small Dollar Loans

News

Thursday, October 16, 2025

New Policy Brief on Payday Loan Apps Draining Workers’ Pay

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