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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.
July 21, 2021
Overdraft Fees Cause Financial Exclusion; Policymakers Must Act
July 12, 2021
Comments on Restoring Affirmatively Furthering Fair Housing Definitions and Certifications
July 6, 2021
Office of Management and Budget RFI: Methods and Leading Practices for Advancing Equity and Support for Underserved Communities Through Government
June 23, 2021
Testimony: To Help Communities of Color and Spur Economic Recovery, Student Debt Cancellation Must be a Part of the Solution
June 21, 2021
Urging HUD to Extend the Foreclosure Moratorium and Deadline to Request Forbearance for FHA Borrowers
June 3, 2021
First Generation: Criteria for a Targeted Down Payment Assistance Program
May 11, 2021
Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X
April 30, 2021
Opposition to the National Credit Union Administration’s Proposal which Would Authorize Predatory Lending by Credit Unions
April 28, 2021
Testimony: The Reemergence of Rent-a-Bank?
April 23, 2021
Correcting the Record: The OCC’s “Fake Lender” Rule Expands Harmful, Predatory Lending
April 21, 2021
Hardship for Renters: Too Many Years to Save for Mortgage Down Payment and Closing Costs
April 19, 2021
Comment to the Federal Housing Finance Agency on Request for Input on Climate and Natural Disaster Risk Management at the Regulated Entities
April 2, 2021
Comment to the Department of Financial Protection and Innovation on Reining in Abusive Practices in the Bail Bonds Industry
March 23, 2021
Map of U.S. Payday Interest Rates
March 22, 2021
Broad Coalition Calls for Congress to Rescind “Fake Lender” Rule that Facilitates Predatory Loan Schemes
March 18, 2021
Coalition Letter: Congress Should Extend the Paycheck Protection Program (PPP). The Schedule C Fix Must Be Made Retroactive
March 18, 2021
Poll: Minnesota Student Loan Borrowers During COVID-19 Pandemic
March 17, 2021
Suing-to-Intimidate: New Evidence Confirms that Oportun Abuses and Intimidates Families in Court to Collect Small-Dollar Loan Debts in California Courts
March 16, 2021
Testimony: Home = Life: The State of Housing in America
March 15, 2021
Comment on Proposed Rulemaking under the California Consumer Financial Protection Law: Earned Wage Access
March 15, 2021
Group Comment to the Department of Financial Protection and Innovation on Income Share Agreements (ISAs)
March 11, 2021
Testimony: Slipping Through the Cracks: Policy Options to Help America’s Consumer During the Pandemic
March 10, 2021
Testimony: Justice for All: Achieving Racial Equity Through Fair Access to Housing and Financial Services
March 9, 2021
Comment to the Federal Housing Finance Agency on Resolution Planning Notice of Proposed Rulemaking
March 8, 2021
Broad Coalition Comment to Department of Financial Protection and Innovation on Consumer Protection Issues

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