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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.
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 23, 2004
Promoting Homeownership by Ensuring Liquidity in the Subprime Mortgage Market
June 18, 2004
Prepayment Penalties in Subprime Loans
June 14, 2004
Require TILA Disclosures For Overdraft Loans
April 23, 2004
Payday lenders cannot avoid state laws by partnering with banks
April 7, 2004
Review of the National Bank Preemption Rules
April 1, 2004
A Review of Wells Fargo's Subprime Lending
March 30, 2004
"Subprime Lending: Defining the Market and Its Customers"
November 5, 2003
Protecting Homeowners: Preventing Abusive Lending While Preserving Access to Credit
January 1, 2002
Small Loans, Big Bucks: An Analysis of the Payday Lending Industry in N.C.
July 26, 2001
Predatory Mortgage Lending: The Problem, Impact, and Responses
July 25, 2001
$9.1 Billion: The Economic Cost of Predatory Lending (2001)
April 4, 2001
SB 904 Mortgage Broker Licensing Law
January 1, 2001
Fact v. Fiction: The Truth about Payday Lending Industry Claims
July 27, 2000
Public Hearings on Home Equity Lending
May 24, 2000
Predatory Lending Practices
April 15, 1999
SB 1149 North Carolina's Predatory Mortgage Lending Law
January 1, 1999
1999 NC Predatory Lending Law

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