The State Government Affairs department periodically prepares other materials to address priority issues with recent activity.
AFSA RESOURCES
- Installment Lending Quotes
- Leasing and ELT Title Processing
- New Mexico Consumer Lending Task Force Questionnaire Responses
- State Small Dollar Rule Comments
OUTSIDE RESOURCES
- AARMR Article – Foreclosure Friction Slows Housing Recovery
- AARMR Article – Homeowners Associations and “Superliens”
- AARMR Article – Misusing Eminent Domain
- CSBS Survey – Consumer Finance Laws
- CSBS White Paper – Nonbank Supervision
- FRBNY May 2017 Staff Report – Access to Credit & Financial Health: Evaluating the Impact of Debt Collection
- NBCSL Resolution – Debt Settlement Companies
- NBCSL Resolution – Affordable Lending
- NHCSL Resolution – Affordable Lending
- NOBEL Women Resolution – Affordable Lending
- Joint Statement of Principles – HOA Superliens
- Urban Institute – Prohibitions, Price Caps, and Disclosures: A Look at State Policies and Alternative Financial Product Use
OUTSIDE STUDIES
- A Larger and Longer Debt Trap? – NCLC (2018)
- A New Wave of Predatory Lending – NCLC (2015)
- A Survey of Payday Lending in Eugene and Springfield – US PIRG (2006)
- Auto Add-Ons Add Up – NCLC 2017
- Baggage of Consumer Installment Cash Lending – Mercatus (2016)
- Consumer Credit and the American Economy: An Overview – George Mason University (2014)
- Consumer Finance in NC – NCCOB (2011)
- Consumers Union Article – Consumer’s Union (2003)
- Credit Deserts – Mission Asset Fund (2012)
- Description: Core Lending Principles for Short-Term, Small-Dollar Installment Lending – OCC (2018)
- Does Finance Benefit Society? – Harvard University (2015)
- Effect of Payday Restrictions on Liquor Sales – Victoria University (2015)
- Financial Well-Being in America – CFPB (2017)
- Findings from the AFSA Member Survey of Installment Lending – George Mason University, AFSA (2014)
- FINTECH Lending: Financial Inclusion, Risk Pricing, And Alternative Information – Philadelphia Federal Reserve (2017)
- For Better or Worse? Effects of Access to High Cost Consumer Credit – Federal Reserve (2016)
- From Payday to Small Installment Loans – Pew Research (2016)
- How Does Legal Enforceability Affect Consumer Lending? – Stanford Law School (2017)
- How State Rates Affect Payday Loan Prices – Pew Research (2014)
- Marketing of Credit Add-On Products – CFPB (2016)
- Military Lending: Report to Congress – Department of Defense (2006)
- Millions use Bank Overdraft as Credit – Pew Research (2018)
- Payday Lending in America – Pew Research (2012)
- Payday Lending in America: Policy Solutions – Pew Research (2013)
- Payday Loans and Consequences – Federal Reserve, Vanderbilt, University of Pennsylvania (2013)
- Predatory Installment Lending in 2020 – NCLC (2018)
- Preserving and Expanding Consumer Access to Credit Products along the Nonbank-Supplied Small-Dollar Loan Landscape – Mercatus (2016)
- Remarks by Richard Cordray – CFPB (2010)
- Report on the Financial Well Being of US Households in 2019 (plus data to April 2020) – Federal Reserve (2020)
- Research on Financial Behaviors and use of Small Dollar Loans – Treasury, Urban Institute (2010)
- Self Evaluation Report – Texas OCC (2017)
- State Laws Put Installment Loan Borrowers at Risk – Pew Research (2018)
- Survey of Banked and Unbanked Households – FDIC (2015)
- The Power of the Salary Link: Assessing the Benefits of Employer-Sponsored FinTech Liquidity and Credit Solutions for Low-Wage Working Americans and their Employers – Harvard Kennedy School (2018)
- Underserved Market Study – CFSI (2017)
- Why 36%? – NCLC (2013)
- Consumer Borrowing after Payday Loan Bans – Federal Reserve, Cornell, Stanford (2016)
- Interest Rates: The Theory and Practice (Policy Paper) – World Bank (2018)
- Unequal Access to Credit – New York Federal Reserve (2019)
- Impacts of interest rate caps on the payday loan market: Evidence from Rhode Island – Texas A&M (2020)
- NY Fed Quarterly Report on Household Debt and Credit: Q4 2019 – New York Federal Reserve (2019)
- How do Small-Dollar, Non-Bank Loans Work? – Mercatus (2019)
- The Cost Structure of Consumer Finance Companies and Its Implications for Interest Rates – New York Federal Reserve (2020)
- FinTech Borrowers: Lax-Screening or Cream-Skimming? – Harvard (2018)
- Comment Letter on FINTECH Charter – CRL, NCLC et. al (2020)
- Survey of Consumer Expectations (SCE) Credit Access Survey – New York Federal Reserve (2020)