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Peter Smith

Peter Smith
Senior Researcher

Peter Smith is a senior researcher leading on overdraft practices, as well as works on mortgages, student loans and bank payday loan issues. Pete has been with CRL since 2005, authoring numerous reports and briefs, and creating body of often-cited research literature.

He was born and raised in Maryland, and attended the University of Maryland's Honors Program, where he graduated with a BS in Mathematics. Based CRL's Oakland (CA) office, Pete is entering the Masters of City Planning program at the University of California at Berkeley. In his spare time, he is an avid record collector and Scrabble player.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
May 2, 2018
Repairing A Two-Tiered System: The Crucial but Complex Role of FHA
May 24, 2016
How Overdraft Fees Harm Consumers and Discourage Responsible Bank Products
June 16, 2015
The State of Lending in America and Its Impact on U.S. Households
September 10, 2013
The State of Lending: Bank Payday Loans
July 30, 2013
The State of Lending: High-Cost Overdraft Fees

News

May 2, 2018
New Report on Federal Housing Administration Proposes Fixes to Repair a Two-Tiered System
50 years after the Fair Housing Act, racial mortgage disparities persist WASHINGTON, D.C. –The Federal Housing Administration (FHA) is both a historic driver of the nation's persistent racial...
May 24, 2016
Broken Banking: Overdraft Penalties Harm Consumers, Discourage Responsible Products
Updated estimate finds overdraft fees drain $14 billion from consumers annually, while analysis of complaint narratives finds the deck stacked against consumers. Financial institutions continue to...
June 18, 2008
Shredded Security: Overdraft practices hurt older Americans
Thank you for being with us today. I want to thank my co-author on this report, Peter Smith, who is also a researcher at the Center for Responsible Lending Our nation is in a crisis of debt that...
June 18, 2008
Overdraft Fees Threaten Financial Security of Older Americans
Americans 55 and over pay $4.5 billion in fees annually for overdraft loans they haven't asked for and typically don't want, a new study by the Center for Responsible Lending finds. Of that, nearly $...

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