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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.
April 6, 2020
Congress Should Halt Outrageous Bank Overdraft Fees During COVID-19 Crisis
March 27, 2020
Banks Should Not Read Federal Regulators’ COVID-19 Small Dollar Loan Guidance as Permitting Payday or Other High-Cost Loans
December 13, 2019
Diverse Coalition Issues Joint Statement on Proposed Changes to Community Reinvestment Act
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 14, 2019
Proposed Repeal of Payday Loan Rule: Overview & Initial Reaction
October 31, 2018
Let My People Go: South Dakotans Stop Predatory Payday Lending
October 16, 2018
New Jersey Must Act to Address Student Loan Crisis
August 21, 2018
Policy Brief: What Happened with Payday Loans in Ohio?
November 3, 2017
Open Letter to Banks: Don’t Make Debt Trap Payday Loans
October 19, 2017
Initial Analysis of CFPB’s Final Rule to Address Payday & Car Title Loans
October 5, 2017
North Carolina Consumer Protections Remain Crucial As CFPB Releases New Payday Lending Rule
October 3, 2017
Enfoque Newsletter
July 21, 2017
Portland Radio Station Interviews CRL Expert on Forced Arbitration Clauses
June 6, 2016
Initial Analysis of CFPB’s Proposed Rule to Address Payday & Car Title Loans
December 9, 2015
Response to House Financial Services Committee Report on the CFPB and Indirect Auto Lending
November 12, 2015
Road to Nowhere: Car Dealer Interest Rate Markups Lead to Higher Interest Rates, Not Discounts
November 9, 2015
The Buckeye Burden: An Analysis of Payday and Car Title Lending in Ohio
September 22, 2015
2014 HMDA Data Show That Federal Rules Did Not Have A Chilling Effect On Lending, Despite Lender Predictions
April 13, 2015
Debt Buyer Lawsuits Expected to Drain Over $7 Million from Mainers, including $1.4 Million through Wage Garnishment

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