Research & Reports
CFA Reports on Military Lending
Industry Practices Surveys and Studies
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CFA Payday Loan Reports
"Short-Term Loans for Consumers Research Findings Illustrate the High Risk of High-Cost Short-Term Loans for Consumers"
Jean Ann Fox, Consumer Federation of America, February 2012
"Fringe Financial Product Privacy and Security White Paper"
Jean Ann Fox, Consumer Federation of America, September 2009
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CFA Reports on Military Lending
“The Military Lending Act Five Years Later: Impact On Servicemembers, the High-Cost Small Dollar Loan Market, and the Campaign against Predatory Lending”
Jean Ann Fox, Consumer Federation of America, May 2012
"Comments to CFPB Regarding Consumer Financial Products and Services Offered to Servicemembers"
Consumer Federation of America, September 2011
"Predatory Lending Protections for Service Members"
Consumer Federation of America, October 2007
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Consumer Studies
"Impact of Payday Lending on Utah Courts"
Coalition of Religious Communities, February 2011
"Keeping the Plates Spinning: Perceptions of Payday Loans in Great Britain"
Marie Burton, Senior Policy Advocate at Consumer Focus, August 2010
"CRL Issues Brief: A 36% APR Cap on high-cost loans promotes financial recovery"
Center for Responsible Lending, January 2009
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Industry Practices Surveys and Studies
Where Does the Money Go?Show-Me Predatory Lending:
Poverty at Issue Research Report, January 2012
"Payday Lenders Pose as Brokers to Evade Interest Rate Caps"
Diane Standaert & Sara Weed, Center for Responsible Lending, July 2010
"Summary Information from the Ongoing UCCC Study of Colorado’s Payday Loan Industry and Consumers"
Colorado Office of Attorney General, 2010
Colorado Annual Report 2009
Colorado Office of Attorney General, 2009
"Summary Information from the Ongoing UCCC Study of Colorado’s Payday Loan Industry and Consumers"
Colorado Office of Attorney General, 2009
Report to General Assembly Payday Lenders
Missouri Division of Finance, January 14, 2009
"Payday Loans: Taking the Pay Out of Payday"
Colorado Annual Report 2007
Colorado Office of Attorney General, 2008
Florida Trends Report
Florida Office of Financial Regulation, July, 2008
Oklahoma Trends in Deferred Deposit Lending
Oklahoma Office of Consumer Credit Commissioner June 2008
"The Illinois Payday Loan Loophole: Post-Payday Loan Reform Act Lending and the Debt Collection Practices of One Large Lender in Illinois"
Woodstock Institute, Public Action Foundation, April 2008
Annual Report 2007
Washington State Department of Financial Institutions, December 2008
Payday Lender Licensees/Check Cashers 2006 Annual Report
Bureau of Financial Institutions, State Corporation Commission 2007
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Legislation and Regulation
"A Guide for Advocacy Groups and Government Officials Through Local Ordinances and Resolutions Controlling the Growth of Payday Lending"
Kelly Griffith, Linda Hilton, & Lynn Drysdale, Updated November 2012
Payday Lenders in Arkansas: Consumers Win as Predatory Industry Leaves Arkansas for Good
H.C. "Hank" Klein, Arkansas Against Abusive Payday Lending (AAAPL), August, 2009
"CFA 2009 State Payday Loan Legislation Report"
Consumer Federation of America, May 2009
"CFA 2008 State Payday Loan Legislation Report"
Consumer Federation of America, November 2008
Payday Lenders in Arkansas: Attorney General Cracks Down on Payday Lenders- Most Comply, Some Defy
H.C. "Hank" Klein, Arkansans Against Abusive Payday Lending (AAAPL), July, 2008