Dear friend, Research lies at the heart of the Center for Responsible Lending's (CRL) mission, shaping policy decisions that directly impact the financial well-being of individuals and communities. Our in-depth research not only guides policymakers, consumers, and advocates but also unveils the intricate ways financial products and policies negatively affect unsuspecting consumers. | | Discover more about CRL's cutting-edge research directly from one of our dedicated researchers, Lucia Constantine: | | When you choose to support CRL, you play a pivotal role in empowering our research team. Your contribution enables us to delve into the effects of fintech products, the burdensome impact of massive student debt, and expose the unintended harm caused by a North Carolina law converting court fines to civil judgments for indigent individuals in the criminal legal system. Please make a 100% tax-deductible donation today at responsiblelending.org/donate! Your contribution empowers us to continue advocating for a financial landscape that benefits all individuals, regardless of income. With gratitude, The CRL Team | The Center for Responsible Lending (CRL) is a leading nonprofit, nonpartisan organization focused on financial fairness and opportunity. Fighting for economic justice for low- and middle-income families, military personnel and veterans, and people of color is our mission and highest priority. | Copyright © Center for Responsible Lending, All rights reserved. 302 West Main Street, Durham, NC 27701 | 910 17th Street NW Suite 800, Washington, DC 20006 | 1970 Broadway Suite 350, Oakland, CA 94612 | | | | | |