Center for Responsible Lending

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The Center for Responsible Lending (CRL), a "nonprofit, nonpartisan research and policy organization" established in 2002, is "dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices," its website states. "CRL is affiliated with Self-Help, one of the nation's largest community development financial institutions."[1]

Scope of work

CRL states on its website[1] that its "staff includes attorneys, researchers, and policy analysts in North Carolina, Washington DC, and California who study and report on predatory lending matters and monitor legislative and regulatory activity in state capitols and in the US Congress. CRL's work has five main components:

  • Policy and Technical Assistance: sharing market and legal knowledge with advocates and policymakers across the country interested in reforming lending practices.
  • Research: producing research on predatory lending to inform policymakers, regulators, and others on its extent and impact.
  • Coalition-Building: supporting national and state organizations concerned about predatory lending.
  • Litigation: partnering with other advocates to advance predatory lending litigation and submitting legal briefs on key legal issues.
  • Communications: promoting public awareness and providing a web-based archive of information for local legislators and advocates.


The following are listed by CRL as issues of concern.[2]

  1. Mortgage Lending[3] and Subprime Mortgage Lending in particular.[4]
  2. Payday Loans.[5]
  3. Overdraft Loans.[6]
  4. Car Title Loans.[7]
  5. Credit Card Abuses.[8]
  6. Refund Anticipation Loans.[9]
  7. Mandatory Arbitration.[10]


The following are members of CRL's Executive Staff.[11]

Board of directors

The following are members of CRL's Board of Directors.[12]

Research advisory council

The following are members of CRL's Research Advisory Council.[13]

Contact information

302 West Main Street
Durham, North Carolina 27701
Phone: 919 956-4400
Fax: 919 313-8595


Related SourceWatch articles


  1. 1.0 1.1 About,
  2. Issues,
  3. Issues/Mortgage,
  4. "Subprime Mortgage Market Meltdown,"
  5. Issues/Payday,
  6. Issues/Overdraft,
  7. Issues/Cartitle,
  8. Issues/Credit,
  9. Issues/Refund,
  10. Issues/Arbitration,
  11. About/Staff,
  12. About/Board,
  13. About/RAC,

External articles

External resources