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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.
March 14, 2023
Earned Wage Advance is Credit (In Focus Series #3)
March 14, 2023
Earned Wage Advance: States Should Regulate As Credit, Protect Consumers
February 9, 2023
Payday Lending Supporters Promote Flawed Analysis to Justify Predatory Interest Rates
October 27, 2022
The Protecting Wages of Essential Workers Act of 2022 (Protecting Wages Act)
October 25, 2022
Public Service Loan Forgiveness Limited Waiver Ends October 31
July 29, 2022
Restoring Income-Driven Repayment
May 26, 2022
CRL Student Debt Cancellation HBCU Panel Discussion
May 18, 2022
Advocates Urge Auto Repair Chains, Including AAMCO, Meineke, and Midas, To Stop Offering Predatory Loans
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 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

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