Predatory Installment Lending in the States: How Well Do the States Protect Consumers Against High-Cost Installment Loans? (2025)
December 19, 2025Interest rate caps vary greatly from state to state. Some states allow lenders to pile on junk fees and a few states do not cap interest rates at all.
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Broad Coalition Supports New Senate Bill to Cap Interest Rates for Loans
February 11, 2026
Burkhardt et al. v. MoneyLion Technologies Inc. et al.
October 17, 2025
Letter in Opposition to New Mexico HB 59
January 31, 2025
Comparing APRs on Small Loan Alternatives
January 7, 2025
Comments & Letters
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Letter in Opposition to New Mexico HB 59
January 31, 2025
Comments to NCUA Regarding CUSO Proposed Rule
April 30, 2021
Letter Opposing Proposed “Fair Access to Financial Services”
January 4, 2021
Reports
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Comparing APRs on Small Loan Alternatives
January 7, 2025
State Rate Caps for $500 and $2,000 Loans
November 15, 2023
What States Can Do to Help Consumers: High Cost Loans
March 15, 2022
Federal Ability-To-Repay Requirements for Small Dollar Loans
November 1, 2021
Why Cap Interest Rates at 36%?
August 4, 2021
Press Releases & News
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Broad Coalition Supports New Senate Bill to Cap Interest Rates for Loans
February 11, 2026
50-State Survey Finds Larger Loans Need Lower Rates
March 6, 2024
Senate Introduces 36% Rate Cap Bill to Curb High-Cost Loans, Junk Fees
December 15, 2023
Legislation
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Letter in Opposition to New Mexico HB 59
January 31, 2025
H.R. 9307: The SAFE Lending Act of 2022
November 17, 2022
From the NCLC Digital Library
Consumer Credit Regulation
Innovative thinking and precise authority on predatory lending and other consumer credit, including the latest payday and installment loans.
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