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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.
March 20, 2019
A Home is More Than a House
March 20, 2019
Abusive Overdraft Fees Drain Consumers Dry
March 20, 2019
Auto Lending Practices Can Take You for a Ride
March 20, 2019
Drowning in Student Debt
March 20, 2019
Financial Fairness for All
March 20, 2019
The Case Against Illegal Debt Collection
March 20, 2019
The Debt Trap of Triple-Digit Interest Rate Loans: Payday, Car-Title, and High-Cost Installment Loans
March 19, 2019
Comments to the Consumer Financial Protection Bureau Proposed Delay of the Payday & Vehicle Title Rule
March 18, 2019
Debt By Default: Debt Collection Practices in Washington 2012–2016
March 5, 2019
Bill Analysis of Indiana SB 613: Consumer Credit
February 28, 2019
Toolkit: Tell CFPB to Keep Protections from Payday Loan Debt Traps
February 25, 2019
Testimony in Support of HB2588: Regulating the Practices of the Student Loan Industry
February 14, 2019
Map of U.S. Payday Interest Rates
February 14, 2019
Proposed Repeal of Payday Loan Rule: Overview & Initial Reaction
February 7, 2019
Testimony in Support of SB19-002: Protecting Coloradans from Abusive Practices by Student Education Loan Servicers
January 29, 2019
The State of For-Profit Colleges
January 28, 2019
Testimony: For-Profit College Accountability Act
January 22, 2019
Banks Must Adhere to Long-Established Sound Banking Principles
January 9, 2019
Low-Income Oregonians Report Heavy Debt Levels with Long-Term Consequences
December 19, 2018
Letter to the CFPB Regarding Ongoing Rulemaking on Debt Collection
December 12, 2018
Congress Must Act to Solve Student Loan Debt Crisis and Close the Racial Wealth Gap
December 12, 2018
Priorities for the Reauthorization of the Higher Education Act (HEA)
December 10, 2018
Strong Opposition to Proposed Changes to the Public Charge Guidelines
November 20, 2018
Comments on Enterprise Capital Requirements FHFA RIN 2590-AA95
November 19, 2018
Comment: OCC Should Not Weaken Community Reinvestment Act

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