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Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
September 23, 2005
Consumers can sue abusive payday lenders without going to arbitration
September 15, 2005
Minority Families Pay More: HMDA Stats Show Disturbing Disparities
September 14, 2005
Comment on Federal Reserve Analysis of Home Mortgage Disclosure Act Data
August 5, 2005
State attorneys general can punish federally chartered banks for violating state laws
July 26, 2005
Strong Compliance Systems Support Profitable Lending While Reducing Predatory Practices
July 18, 2005
Response to NHEMA's "Analysis of 1st Quarter 2004 Mortgage Lending in New Jersey and Pennsylvania"
July 15, 2005
Predatory lending class action settlements cannot provide unfair terms to the bulk of borrowers
June 27, 2005
The Price of Ownership: What the Home Mortgage Disclosure Act Reveals About Minorities and Lending
May 26, 2005
High-Cost and Hidden from View: The $10 Billion Overdraft Loan Market
May 24, 2005
Legislative Solutions to Abusive Mortgage Lending Practices
May 24, 2005
Rule-Making to Permit Preemption of State Laws with Respect to the Interstate Activities of State Banks
April 14, 2005
Car Title Lending: Driving Borrowers to Financial Ruin
April 13, 2005
The Federal Home Loan Bank System
March 29, 2005
Predatory Lending and its Impact on the Military and Local Communities
March 22, 2005
Race Matters: The Concentration of Payday Lenders in African-American Neighborhoods in North Carolina
March 22, 2005
Race Matters: The Concentration of Payday Lenders in African-American Neighborhoods in North Carolina
March 14, 2005
FDIC's Revised Examination Guidance on Payday Lending
February 11, 2005
Each payment on a loan with an excessive origination fee violates North Carolina law
February 3, 2005
Analysis of OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices
January 13, 2005
Borrowers in Higher Minority Areas More Likely to Receive Prepayment Penalties on Subprime Loans
January 13, 2005
Prepayment Penalties Convey No Interest Rate Benefits on Subprime Mortgages
January 5, 2005
Access Denied: Payday Loans are Defective Products
November 1, 2004
Building a Better Refund Anticipation Loan: Options for VITA Sites
November 1, 2004
Refund Loan Products and VITA: A Summary of Issues and Options
July 1, 2004
Auto Title Loans and the Law

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