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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.
November 28, 2005
Risking Homes to Pay Off Credit Cards
October 12, 2005
The Plastic Safety Net: The Reality Behind Debt in America
September 30, 2005
Payday Lenders Target the Military
September 27, 2005
Minimal Broker Licensing Standards Will Not Affect Abusive Lending Practices
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
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"
May 26, 2005
High-Cost and Hidden from View: The $10 Billion Overdraft Loan Market
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
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

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