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Policy Analysis

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
August 17, 2021
Almost Two in Three Navient Borrowers Making Payments During COVID-19 Federal Student Loan Payment Pause Are Underwater: An Analysis of Over 428,000 Borrowers in Income Driven Repayment (IDR)
April 23, 2021
Correcting the Record: The OCC’s “Fake Lender” Rule Expands Harmful, Predatory Lending
February 26, 2021
Protect Against Abusive Debt Collection: Working Families Need Wage Protection and a Chance to Save
February 4, 2021
The Rent-A-Bank Scheme
November 12, 2020
System Reboot: Challenges & Opportunities at the State Level for Higher Education During COVID-19 & Beyond
November 10, 2020
Payday and Vehicle Title Lending Disproportionately Harm Communities of Color, Exploiting and Perpetuating the Racial Wealth Gap
November 6, 2020
An Inclusive Economy for All: A 100-Day Agenda for the New Administration
October 27, 2020
OCC Finalizes Rule That Threatens to Bring Payday Lenders Back into North Carolina
October 16, 2020
SCOTUS: Economic Opportunity and Consumer Protections at Risk
September 25, 2020
Financial Implications of the Criminal Legal System: Policy Recommendations during COVID-19
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
July 13, 2020
Industrial Loan Company Charters Pose Risks to Consumers and the Economy: A Moratorium Is Needed
June 23, 2020
OCC’s Community Reinvestment Act Rule Harms Low- and Moderate-Income Communities and Communities of Color
May 27, 2020
The Paycheck Protection Program Continues to be Disadvantageous to Smaller Businesses, Especially Businesses Owned by People of Color and the Self-Employed
May 21, 2020
COVID-19-Related Resources
May 5, 2020
Small Business Support Must Extend to Businesses of Color
May 4, 2020
COVID-19 Crisis Requires Comprehensive Response to Protect Financial Security, CARES Act Falls Short
April 29, 2020
State Consumer Protection Response to the COVID-19 Crisis
April 9, 2020
Congress Should Pause Debt Collection and Protect Assets, Including Stimulus Checks During COVID-19 Crisis

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