Advocating for access to financial services
for all Americans
  
 
 
 
 

Industry Information



Fact Sheets
Coalition for Financial Choice – fact sheet (PDF)


White Papers & Research

Ernst & Young National Study Confirms Pricing of Payday Loans is Fair and Reasonable
The Cost of Providing Payday Loans in a US Multiline Operator Environment
Click here for more information (PDF)

Economic Impact of the Payday Advance Industry
IHS Global Insight, Inc., Consulting Service Group
Click here for more information (PDF)

Restricting Consumer Credit Access
By Jonathan Zinman, Dartmouth College
Click here for more information (PDF)

Enabling Families to Weather Emergencies and Develop: The Role of Assets
By Signe-Mary McKernan and Caroline Ratcliffe, Urban Institute
Click here for more information (PDF)

Expanding Credit Access: Using Randomized Supply Decisions To Estimate The Impacts
By Dean Karlan, Jonathan Zinman
Click here for more information

An Experimental Analysis Of The Demand For Payday Loans
By Bart J. Wilson, David W. Findlay, James W. Meehan, Jr., Charissa P. Wellford, Karl Schurter
Click here for more information

Payday Lenders: Heroes or Villains?
By Adair Morse
Click here for more information


Payday Lending: Do The Costs Justify The Price?

By Mark Flannery, Katherine Samolyk
Click here for more information

Hidden Consumer Loans: An Analysis Of Implicit Interest Rates On Bounced Checks
By Marc Anthony Fusaro
Click here for more information

GAO Report: BANK FEES: Federal Banking Regulators Could Better Ensure That Consumers Have Required Disclosure Documents Prior to Opening Checking or Savings Accounts
Click here for more information (PDF)

Payday Holiday: How Households Fair after Payday Credit Bans
By Donald P. Morgan and Michael R. Strain (staff report from the Federal Reserve Bank of New York)
Click here for more information (PDF)


Financial services needs of low-income consumers
By James R. Wells, Jr.
Click here for more information (PDF)


Payday Lending: Do Outrageous Prices Necessarily Mean Outrageous Profits?
By Aaron Huckstep, Fordham University School of Law
Click here for more information


Give Credit Where Credit Is Due
Increasing Access to Affordable Mainstream Credit Using Alternative Data
By Michael A. Turner, Alyssa Stewart Lee, Ann Schnare, Robin Varghese, and Patrick D. Walker
Click here for more information


Payday Lending and Public Policy: What Elected Officials Should Know
By Tom Lehman, Ph.D., Associate Professor of Economics Indiana Wesleyan University
Click here for more information


Defining and Detecting Predatory Lending
By Donald P. Morgan and Samuel G. Hanson (staff report from the Federal Reserve Bank of New York)
Click here for more information


Financial Empowerment for the Unbanked and Underbanked Consumer: “Crossing the Red Line”
By Rickie C. Keyes, PhD, MPH
Click here for more information


Additional research
Additional studies on the topic of short term lending are available for viewing at the Consumer Credit Research Foundation.