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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.
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
March 26, 2015
Consumer Financial Protection Bureau Field Hearing: Limit Payday Loan Debt Trap
February 22, 2012
Letter to Bank Regulators: Stop Bank Payday Lending
June 9, 2010
Financial Reform Conference: Sensible Standards and Accountability are Crucial for Home Loans
February 2, 2010
Congressional Proposal Would Curb Overdraft Abuses; Fed’s Rules Fall Far Short
November 21, 2008
State & Local Foreclosure Prevention Policy Options
April 14, 2005
Car Title Lending: Driving Borrowers to Financial Ruin

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