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Research

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.
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
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
June 18, 2004
Prepayment Penalties in Subprime Loans
June 14, 2004
Require TILA Disclosures For Overdraft Loans
April 1, 2004
A Review of Wells Fargo's Subprime Lending
January 1, 2002
Small Loans, Big Bucks: An Analysis of the Payday Lending Industry in N.C.
July 25, 2001
$9.1 Billion: The Economic Cost of Predatory Lending (2001)
January 1, 2001
Fact v. Fiction: The Truth about Payday Lending Industry Claims

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