Reports and Research on Payday Lending

NEW! Payday Loan Debt Trap Drains Millions of Dollars from Financially-Strapped Minnesotans, Minnesotans for Fair Lending, March 2013. Press Release. Detailed Report.

Federal Deposit Insurance Corportation (FDIC) – Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products,2013.

Montezemolo, Susannah,  State of Lending in America & its Impact on U.S. Households,September 2013.

Melzer, Brian. Spillovers from Costly Credit. March 2013.

King, Uriah and Parrish, Leslie. Phantom Demand: Short-term due date generates need for repeat payday loans, accounting for 76% of total volume, 2011.

King, Uriah and Parrish, Leslie. Springing the Debt Trap: Rate caps are only proven payday lending reform, 2007.

US Department of Defense. Report On Predatory Lending Practices Directed at Members of the Armed Forces and Their Dependents. December 2007.

Melzer, Brian. The Real Costs of Credit Access: Evidence from the Payday Lending Market. December 2007.

King, Uriah and Parrish, Leslie. Financial Quicksand: Payday lending sinks borrowers in debt with $4.2 billion in predatory fees every year, 2006.

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