http://www.responsiblelending.org feed-51155005 web@responsiblelending.org 2010 Center for Responsible Lending Convio Content Management System Module en-us http://www.responsiblelending.org/styles/images/crl-logotag.jpg http://www.responsiblelending.org www.responsiblelending.org-330441870 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/4v-PQy1t2bI/comments-to-the-cfpb-on-payday.html Comments to the Consumer Financial Protection Bureau on payday lending abuses on behalf of several organizations concerned about the documented abuses of payday lenders. Mon, 23 Apr 2012 00:00:00 -0500 http://www.responsiblelending.org/other-consumer-loans/consumer-financial-protection-bureau/research-analysis/comments-to-the-cfpb-on-payday.html www.responsiblelending.org-321077926 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/os8fgJ_9Pck/deal-or-no-deal-how-yoyo-scams-rig-the-game.html This latest paper by CRL provides a clear picture of the prevalence of yo-yo scams, insight into how yo-yo scams are perpetrated, and identifies which consumers are most likely to be targeted by dealers for this scam. Wed, 04 Apr 2012 00:00:00 -0500 http://www.responsiblelending.org/other-consumer-loans/auto-financing/research-analysis/deal-or-no-deal-how-yoyo-scams-rig-the-game.html www.responsiblelending.org-323865209 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/MsD8LySUP54/dealer-markup-of-interest-rates-is-unfair-and-deceptive.html The Federal Trade Commission has the authority to deem dealer markups of interest rates as an unfair and deceptive practice, according to this comment letter filed by the Center for Responsible Lending. Fri, 30 Mar 2012 00:00:00 -0500 http://www.responsiblelending.org/other-consumer-loans/auto-financing/research-analysis/dealer-markup-of-interest-rates-is-unfair-and-deceptive.html www.responsiblelending.org-317633100 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/5uz7MuwCbpc/the-partys-over-for-quickie-tax-loans-rals.html The 2012 annual report on the tax refund anticipation loan (RAL) industry from the National Consumer Law Center and Consumer Federation of America. Wed, 29 Feb 2012 00:00:00 -0600 http://www.responsiblelending.org/other-consumer-loans/refund-anticipation-loans/research-analysis/the-partys-over-for-quickie-tax-loans-rals.html www.responsiblelending.org-319464582 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/txfwgBtweVM/browse-by-author-browse-by.html There are dramatic behavioral differences among the banked and unbanked in their use refund anticipation checks (RACs) and refund anticipation loans (RALs). Fri, 10 Feb 2012 00:00:00 -0600 http://www.responsiblelending.org/other-consumer-loans/refund-anticipation-loans/research-analysis/browse-by-author-browse-by.html www.responsiblelending.org-309434411 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/ya33SAf9u7w/comments-to-the-ftc-on-motor-vehicle-roundtables.html The Center for Responsible Lending, Consumer Federation of America, Consumers for Auto Reliability and Safety, the National Association of Consumer Advocates, the National Consumer Law Center, and on behalf of its low-income clients the National Council of La Raza have filed the following comments to the FTC in regards to auto financing and the recent motor vehicle roundtables held across the country. Wed, 01 Feb 2012 00:00:00 -0600 http://www.responsiblelending.org/other-consumer-loans/auto-financing/research-analysis/comments-to-the-ftc-on-motor-vehicle-roundtables.html www.responsiblelending.org-308408687 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/4VeIWtcGo-o/americas-top-consumer-cop.html The Consumer Financial Protection Bureau (CFPB) delivered its first agency’s first report to Congress January 31, 2012 Tue, 31 Jan 2012 00:00:00 -0600 http://www.responsiblelending.org/other-consumer-loans/consumer-financial-protection-bureau/research-analysis/americas-top-consumer-cop.html www.responsiblelending.org-297464230 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/jRk5wdNr0_k/amicus-brief-de-la-cruz-v-wachovia-dealer-services.html This case involves borrowers who purchased a vehicle through a dealership in California. The financial institution in question, Wachovia, did not make the loans, but later purchased the installment contracts from the dealer. When the borrower fell behind on their payments, Wachovia repossessed the cars without properly following California law. California allows self-help repossession, but has strict rules regarding consumers’ rights in repossession, including the notices that a creditor must send to consumers. Thu, 15 Dec 2011 00:00:00 -0600 http://www.responsiblelending.org/other-consumer-loans/auto-financing/research-analysis/amicus-brief-de-la-cruz-v-wachovia-dealer-services.html www.responsiblelending.org-301326005 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/ZzLXnm6DHIE/comment.html In its first formal comment to the CFPB, the Center for Responsible Lending supports new Dodd-Frank mortgage reforms and urges the CFPB to ensure that lenders have appropriate consequences if they fail to abide by the rules. Fri, 22 Jul 2011 00:00:00 -0500 http://www.responsiblelending.org/other-consumer-loans/consumer-financial-protection-bureau/research-analysis/comment.html www.responsiblelending.org-284187484 http://feedproxy.google.com/~r/CrlOtherConsumerLoans/~3/ROtSu8v9eNI/new-poll-broad-bipartisan.html A new poll reveals that American voters broadly support the 2010 Dodd-Frank Wall Street Reform law, by a 5 to 1 margin, and across all political parties. Tue, 19 Jul 2011 00:00:00 -0500 http://www.responsiblelending.org/other-consumer-loans/consumer-financial-protection-bureau/research-analysis/new-poll-broad-bipartisan.html