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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.
May 5, 2022
Small Business Matters: Forgive PPP Loans and Strengthen Section 1071
April 19, 2022
Courts Should End Debt Buyers’ Litigation Assembly Line Lawsuits That Target Unaware Consumers and Increase the Racial Wealth Gap
April 18, 2022
Adjustments to Help the FHA Streamline Refinance Program Reach More Low-Wealth Families
April 11, 2022
Adding Eligibility for First-Generation Homebuyers to the GSE Affordable Housing Programs
April 6, 2022
Buy Now, Pay Later: No Free Pass from Consumer Protections
March 31, 2022
Income-Share Agreements Burden Students with Unfair Terms and Unforeseen Costs
March 7, 2022
APR Matters: Allows True Comparison; Reveals Astronomical Cost of Payday Loans
March 2, 2022
Protect Against Abusive Debt Collection: Working Families Need Wage Protection and a Chance to Save
February 10, 2022
One Door Closes & Others Remain: Institutional Loans and the 90/10 Formula
February 8, 2022
Earned Wage Access: States Should Regulate As Credit, Protect Consumers
February 1, 2022
Data Point: California Appeals Court Ruling Affirms Regulator’s Authority to Curb Bail Industry Abuses
February 1, 2022
Oportun: History of Abusive Debt Collection Practices
January 12, 2022
Restoring the Promise of Income-Driven Repayment: An IDR Waiver Program Proposal
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
August 17, 2021
Almost Two in Three Navient Borrowers Making Payments During COVID-19 Federal Student Loan Payment Pause Are Underwater
April 23, 2021
Correcting the Record: The OCC’s “Fake Lender” Rule Expands Harmful, Predatory Lending
February 4, 2021
The Rent-A-Bank Scheme

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