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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.


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...
April 9, 2021 | By David Lazarus | The Los Angeles Times
“There is clear evidence that payday lenders target people of color,” said Marisabel Torres, director of California policy at the Center for Responsible Lending. She told me her organization is...
March 17, 2021
California-based Oportun has filed the most debt collection cases in the state and sues to intimidate its mostly Latino customer base WASHINGTON, D.C. – A new report released today by the Center...
April 17, 2020
Oakland, CA – As people en masse are losing their jobs and income, creditors are taking from desperately needed stimulus checks in order to collect on debts. The Center for Responsible Lending today...