Overdraft
Op-Ed
Why senators’ efforts to kill overdraft fees is overkill
Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.
Originally published inThe Hill
Op-Ed
If I Can’t Get An ‘Emergency’ Loan From A Bank, It’s Not Clear Who Possibly Can
We tested the prediction that banks will step in when payday lenders face restrictions. They didn’t want our business.
Originally published inAmerican Banker
Policy Brief
The Unintentional Consequences of Banning Specialized Emergency Loans
Specialized emergency lenders play a crucial role in providing access to credit for individuals who may not qualify for traditional loans from banks or credit unions, and can be a lifeline for those facing unexpected expenses…