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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.
August 7, 2018
Unfair Market: The State of High-Cost Overdraft Practices in 2017
May 2, 2018
Repairing A Two-Tiered System: The Crucial but Complex Role of FHA
January 9, 2018
Supporting mortgage lending in rural communities
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

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News

April 2, 2019 | By Susannah Snider | US News and World Report
7 Pesky Bank Fees and How to Avoid Them
They are pricey, pesky and often designed to catch you off guard when you can least afford them. Checking and savings account fees can add to the cost of closing a bank account or force a...
August 7, 2018
Report: FDIC Data Shows that Banks Collected $11.45 Billion in Overdraft Fees in 2017
Banks engage in unfair practices to drive up overdraft fees WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released Unfair Market: The State of High-Cost Overdraft Practices in...
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...

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