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Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
October 16, 2020
SCOTUS: Economic Opportunity and Consumer Protections at Risk
October 13, 2020
Comment to the Federal Housing Finance Agency on 2021 Enterprise Housing Goals Proposed Rule
October 13, 2020
Court System Overload: The State of Debt Collection in California after the Fair Debt Buyer Protection Act
September 29, 2020
Polling Memo: Voters Support Strong Consumer Financial Protections and Tough Regulation of Wall Street
September 25, 2020
Financial Implications of the Criminal Legal System: Policy Recommendations during COVID-19
September 10, 2020
Comment: Current CDFI Designation is Not Sufficient to Ensure that Loans Will Be Affordable and Responsible.
September 9, 2020
Comment: Final Qualified Mortgage (QM) Rule Must Effectively Protect Consumers and Promote Access to Responsible Mortgage Credit
September 4, 2020
OCC Proposed Rule Encourages Predatory Lending and Threatens to Eviscerate North Carolina’s Lending Laws
September 3, 2020
Comment: OCC Rule Would Allow Payday Lenders to Use Rent-a-Bank Schemes to Evade State Laws
September 3, 2020
OCC Proposed Rule Would Invite an Onslaught of Predatory Installment Lending into California
September 3, 2020
OCC Proposed Rule Would Trample State Interest Rate Limits and Unleash Predatory Lending in all 50 States
August 31, 2020
Comment to the Federal Housing Finance Agency on Enterprise Regulatory Capital Framework
August 24, 2020
Overview: CFPB’s Repeal of its 2017 Ability-to-Repay Standard for Payday & Car Title Loans
August 10, 2020
The OCC and FDIC Plan to Trample State Laws by Gutting the Longstanding “True Lender” Doctrine
August 10, 2020
The Rent-A-Bank Scheme
August 4, 2020
The CFPB’s Aproach to Time-Barred Debt and the Proposed Disclosures Will Perpetuate Abusive Practices and Widen the Racial Wealth Gap
July 30, 2020
Amicus Brief Regarding Lacewell v OCC 2nd Circuit
July 29, 2020
Additional Testing of the Validation Notice is a Necessary Part of the CFPB’s Debt Collection Rulemaking
July 15, 2020
Student Debt Cancellation for All Borrowers Is a Must in the Next Coronavirus Relief Package
July 14, 2020
Letter from Wells Fargo to HUD on Fair Housing Act Disparate Impact Rule
July 13, 2020
Industrial Loan Company Charters Pose Risks to Consumers and the Economy: A Moratorium Is Needed
July 2, 2020
Comments to FDIC on Notice of Proposed Rulemaking for Industrial Loan Companies
June 23, 2020
OCC’s Community Reinvestment Act Rule Harms Low- and Moderate-Income Communities and Communities of Color
June 17, 2020
Testimony on Loan Forgiveness and Other Challenges of the Paycheck Protection Program
June 2, 2020
Overdraft Fees: Banks Must Stop Gouging Consumers During the COVID-19 Crisis

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