CFPB Data & Rulemaking

• Proposed Rulemaking on Payday, Vehicle Title, and Certain High-Cost Installment Loans, Consumer Financial Protection Bureau (June 2016).

• Supplemental Findings on Payday, Payday Installment, and Vehicle Title Loans, and Deposit Advance Products, Consumer Financial Protection Bureau (June 2016).

• Single-Payment Vehicle Title Lending, Consumer Financial Protection Bureau (May 2016).

• Online Payday Payments, Consumer Financial Protection Bureau (April 2016).

• CFPB Data Point: Payday Lending, Consumer Financial Protection Bureau (2014).

• Payday Loans and Deposit Advance Projects: A White Paper of Initial Data Findings, Consumer Finance Protection Bureau (2013).

 

Studies and Surveys on Payday and Auto Title Loans

• State Laws Put Installment Loan Borrowers at Risk, Pew Charitable Trusts (2018).

• Auto Title Loans: Market Practices and Borrowers’ Experiences, Pew Charitable Trusts (2015).

• Payday and Car Title Lenders’ Migration to Unsafe Installment Loans, Citizens for Responsible Lending (2015).

• States Facing Increased Risks from Online Lending, Pew Charitable Trusts (2015).

• From Payday Loans To Pawnshops: Fringe Banking, The Unbanked, And Health, Health Affairs (2018)

• The Ohio Legislature Got Payday Reform Right, Pew Charitable Trusts (October 2018)

• A Larger and Longer Debt Trap?, National Consumer Law Center (October 2018)

• Policy Brief: What Happened to Payday Loans in Ohio, Center for Responsible Lending (August 2018)

• Installment Loans: Will States Protect Borrowers from a Wave of New Predatory Products?, National Consumer Law Center (2017)

• The Power of Community Action: Anti‐Payday Loan Ordinances in Three Metropolitan Areas, The University of New Mexico: School of Law (January 2017)

• Online Payday and Installment Loans: Who Uses Them and Why?, MDRC (June 2016).

• CFPB Proposal for Payday and Other Small Loans, Pew Charitable Trust (2015).

• Use of Alternative Financial Services in Low and Moderate-Income Households: Evidence from Refund to Savings, Center of Social Development (November 2015)

• The State of Lending in America and its Impact on U.S. Households, Citizens for Responsible Lending (2015).

• How State Rate Limits Affect Payday Loan Prices, Pew Charitable Trust (2014).

• How Borrowers Choose and Repay Payday Loans, Payday Lending in America: Safe Small-Dollar Loans Research Project, Pew Charitable Trust (2013).

• Who Borrows, Where They Borrow, and Why, Payday Lending in America: Safe Small-Dollar Loans Research Project, Pew Charitable Trust (2012).

• The Military Lending Act Five Years Later, Consumer Federation of America (2012).

• A Complex Portrait: An Examination of Small-Dollar Credit Consumers, Center for Financial Services Innovation (2012).

• Reshaping The Future Of Small Dollar Lending in Texas: Alternatives to High-Cost Payday and Auto Title Loans, Texas Appleseed (2012).

• Payday Loans, Inc.: Short on Credit, Long on Debt, Center for Responsible Lending (2011).

• Payday Loans Put Families in the Red, Center for Responsible Lending Issue Brief (2009).

• Phantom Demand: Short-term due date generates need for repeat payday loans, accounting for 76% of total volume, Center for Responsible Lending (2009).

• Car Title Lending: Driving Borrowers to Financial Ruin, Center for Responsible Lending and Consumer Federation of America (2005).

• Driven into Debt: CFA Car Title Loan Store and Online Survey, Consumer Federation of America (2005).