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Marisabel Torres

Director of California Policy

Marisabel Torres is the director of California policy at CRL and works to advance strong consumer protections and promote responsible lending policies in the state. Before joining CRL, Marisabel was a senior policy analyst for the Wealth-Building Initiative at UnidosUS and focused on banking, homeownership, and retirement policies affecting Latino families, as well as immigrant access to financial services. Marisabel’s career at UnidosUS began as a policy generalist in the department of Legislative, Congressional, and Political Affairs, before being an analyst in the Economic and Employment Policy Project. Her work included analyses of federal investments in Latino-serving programs, the Latino electorate, and barriers to federal retirement programs for low-income Latino workers. Torres has authored or co-authored several publications, including The Future of Banking: Overcoming Barriers to Financial inclusion for Communities of Color (2019), Banking in Color: New Findings on Financial Access for Low- and Moderate–Income Communities (2014), Latino Financial Access and Inclusion in California (2013), and Affording Citizenship and Securing a Sound Financial Future (2012).

Marisabel holds a bachelor’s degree in international affairs from the University of Mary Washington.

Research & Policy

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


December 16, 2021
WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) announced it is opening an inquiry into large “Buy Now, Pay Later” (BNPL) lenders. “Use of ‘Buy Now, Pay Later’ credit has...
November 2, 2021
WASHINGTON, D.C. – Center for Responsible Lending (CRL) Director of California Policy Marisabel Torres is currently testifying before the House Financial Services Committee’s Task Force on Financial...
October 8, 2021
OAKLAND, CA – Following release of a new California Department of Financial Protection and Innovation (DFPI) report, Center for Responsible Lending Director of California Policy Marisabel Torres...
July 23, 2021
OAKLAND, CALIF. – California’s Department of Financial Protection and Innovation (DFPI) this week released a report revealing that the state’s payday lenders made fewer than 6.1 million loans with a...