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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.
January 12, 2022
Restoring the Promise of Income-Driven Repayment: An IDR Waiver Program Proposal
January 6, 2022
Comment to CFPB from Broad Coalition Urges Robust Data Reporting Requirements for Small Businesses
December 21, 2021
Comment to the California DFPI on Proposed Rulemaking to Require Registration and Reporting for Wage-Based Advances
December 21, 2021
Organizations write to CFPB on Underregulated Fintech Consumer Credit Products
December 3, 2021
Comment to the CDFI Fund on Small Dollar Loan (SDL) Program Application
December 2, 2021
The State of For-Profit Colleges
November 26, 2021
Comment on the Proposed Rule to Amend the Enterprise Regulatory Capital Framework (ERCF)
November 9, 2021
Black Student Borrowers: In Their Own Words
November 9, 2021
HBCUs Provide Unique and Positive Learning Environment for Black Student Loan Borrowers
November 9, 2021
National Survey Finds Strong Support Among Black Borrowers for Cancellation, Increasing Pell Grant Amount, More Funding for HBCUs, and More
November 9, 2021
National Survey Shows Strong Support for Student Loan Cancellation Among Black Students
November 2, 2021
Testimony: Buy Now, Pay More Later? Investigating Risks and Benefits of BNPL and Other Emerging Fintech Cash Flow Products
October 28, 2021
Black America: Examining the HBCU Student Debt Experience
October 26, 2021
A Broad Coalition Write to Highlight the Urgent Need to Include Targeted First Generation Down Payment Assistance (DPA) in the Build Back Better Act
October 25, 2021
Comment on The Federal Housing Finance Agency’s Enterprise Equitable Housing Finance Plans
October 25, 2021
Comment to the Federal Housing Finance Agency on 2022-2024 Enterprise Housing Goals Advance Notice of Proposed Rulemaking
October 18, 2021
Comment on Proposed Interagency Guidance on Third-Party Relationships: Risk Management
October 12, 2021
Concern Regarding Prior CFPB Leadership’s Finding that Certain Earned Wage Access Products are Not “Credit” under TILA
October 12, 2021
Organizations and Academics Urge the CFPB to Regulate Fee-based Earned Wage Access Products as Credit
September 9, 2021
Civil Rights Groups Push for Housing Investment and Equity in Human Infrastructure, Reconciliation Bill
September 1, 2021
Testimony: What Comes Next? PPP Forgiveness
August 24, 2021
Support for Reinstating HUD’s 2013 Disparate Impact Rule
August 17, 2021
Almost Two in Three Navient Borrowers Making Payments During COVID-19 Federal Student Loan Payment Pause Are Underwater
August 4, 2021
Oportun's Abusive Lending Practices Harm Latino and Immigrant Borrowers
July 29, 2021
Testimony: Protecting Americans from Debt Traps by Extending the Military’s 36% Interest Rate Cap to Everyone

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