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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.



June 13, 2019 | By Dylan Svoboda | Sacramento News & Review
Hannah Hudson was one of the few high school graduates lucky enough to take a European summer vacation before the long slog of adulthood. Little did she know, she’d spend a half-day wondering...
April 2, 2019 | By Susannah Snider | US News and World Report
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
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
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...