Special Reports

2013

• Restoring the Wisdom of the Common Law: Applying the Historical Rule Against Contractual Penalty Damages to Bank Overdraft Fees, April 2013
• Partnering for Success: An Action Guide for Advancing Utility Energy Efficiency Funding for Multifamily Rental Housing, March 2013
• Something Old, Something New in Tax-Time Financial Products: Refund Anticipation Checks and the Next Wave of Quickie Tax Loans  (NCLC/CFA), Feb. 2013
• 2013 Survey of Unemployment Compensation Prepaid Cards, January 2013
• At a Crossroads: Lessons from the Home Affordable Modification Program (HAMP), January 2013

2012

• Low-Income Weatherization: Stimulus-Funded Program Shines but Storm Clouds Are on the Horizon, November 2012
• The Student Loan Default Trap: Why Borrowers Default and What Can Be Done, July 2012
• The Other Foreclosure Crisis: Property Tax Lien Sales, July 10, 2012
• Rethinking Prepaid Utility Service: Customers at Risk, June 2012
• Borrowers on Hold: Student Loan Collection Agency Complaint Systems Need Massive Improvement, May 2012
• Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012
• The Party's Over for Quickie Tax Loans: But Traps Remain for Unwary Taxpayers - The NCLC/CFA 2012 Refund Anticipation Loan Report, Feb. 2012
• Rebuilding America How States Can Save Millions of Homes Through Foreclosure Mediation, Feb. 2012
• Why Responsible Mortgage Lending Is a Fair Housing Issue, Feb. 2012

2011

• State Inaction: Gaps in State Oversight of For-Profit Higher Education, Dec. 2011
  
• Unemployment Compensation Prepaid Cards May 2011
• 2011 Refund Anticipation Loans (RALs) Report, February 2011
• Piling It On: The Growth of Proprietary School Loans and the Consequences for Students, January 2011

2010

• Up The Chimney: How HUD's Inaction Costs Taxpayers Millions and Drives Up Utility Bills for Low-Income Families, August 2010
• The Debt Machine: How the Collection Industry Hounds Consumers and Overwhelms the Courts: Debt Collection Abuses Widespread, July 2010
• Runaway Bandwagon: How the Government’s Push for Direct Deposit of Social Security Exposes Seniors to Predatory Bank Loans, July 2010
• Stopping the Payday Loan Trap: Alternatives That Work, Ones That Don’t, June 2010
• Small Dollar Loan Products Scorecard - Update, May 2010
• Tax Preparers Out of Compliance: Mystery Shopper Testing Exposes Violations of Refund Anticipation Loan Laws in Arkansas, New York and North Carolina, April 2010
• Report on Forced Arbitration: A Biased System of Private Justice, April 2010
• Repo Madness: How Automobile Repossessions Endanger Owners, Agents and the Public, March 2010
• State and Local Foreclosure Mediation Programs: Updates and New Developments, Jan. 2010

2009

• Why Servicers Foreclose, When They Should Modify, and Other Puzzles of Servicer Behavior Report, Oct. 2009
• Subprime Revisited: How Reverse Mortgage Lenders Put Older Homeowners' Equity at Risk, Oct. 2009
• State and Local Foreclosure Mediation Programs: Can They Save Homes?, Sept 2009 
• Desperate Homeowners: Loan Mod Scammers Step in When Servicers Refuse to Provide Relief, July 2009
• Fueling Fair Practices - A Roadmap to Improved Public Policy for Used Car Sales and Financing, March 2009
• 2009 Refund Anticipation Loan Report: Big Business, Big Bucks: Quickie Tax Loans Generate Profits for Banks and Tax Preparers While Putting Low-Income Taxpayers At Risk, Feb. 27, 2009
• Foreclosing A Dream: State Laws Deprive Homeowners of Basic Protections Report and Summary of State Foreclosure Laws, Feb. 26, 2009
• A 50-State Report on Unfair and Deceptive Acts and Practices Statutes, Feb. 2009
• Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in Their Credit Reports, Jan. 2009

2008

• Avoiding Home Repair Fraud: Lessons From Hurricane Katrina, Nov. 24, 2008
• Small Dollar Loan Products Introduction to the Scorecard, August 20, 2008
• Small Dollar Loan Products Scorecard: Statutory Backup, August 20, 2008
• Tax Preparers Take a Bite out of Refunds: Mystery Shopper Test Exposes Refund Anticipation Loan Abuses in Durham and Philadelphia, April 2008

2007

• Fee-Harvesters: Low-Credit, High-Cost Cards Bleed Consumers, Nov. 2007
• Credit Scoring and Insurance: Costing Consumers Billions and Perpetuating the Economic Racial Divide, July 3, 2007
• New Burdens but Few Benefits: An Examination of the Bankruptcy Counseling and Education Requirements in Massachusetts, June 12, 2007
• Utilities and Payday Lenders: Convenient Payments, Killer Loans, June 5, 2007
• One Step Forward, One Step Back: Progress Seen in Efforts Against High-Priced Refund Anticipation Loans, but Even More Abusive Products Introduced, Feb. 2007