As household debt levels continue to rise, consumers are faced with more and more different ways to borrow money.  Consumers still need access to productive credit, but too many lenders have saturated the market with abusive and deceptive loans.  Woodstock Institute works to document the worst industry practices, propose meaningful reforms, and develop lower-cost credit alternatives.

{slide=[+] Browse analyses of the payday lending industry}

Beyond Payday Loans: Consumer Installment Lending in Illinois

The Illinois Payday Loan Loophole

Debt Detour: The Automobile Title Loan Industry in Illinois

Hunting Down the Payday Loan Customer: The Debt Collection Practices of Two Payday Loan Companies

Comparing the Cost of Short Term Credit Before and After the Monsignor John Egan Payday Loan Reform Act

Regulating Payday Loans - How Does The Illinois Payday Loan Reform Act Compare to Other States

Reinvestment Alert 25: New Terms for Payday Loans

Reinvestment Alert 14: Unregulated Payday Lending Pulls Vulnerable Consumers Into Spiraling Debt

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{slide=[+] Browse analyses of payday loan alternatives}

Cooperative Credit: How Community Development Credit Unions are Meeting the Need for Affordable Short Term Credit

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{slide=[+] Browse refund anticipation loan reports}

Refund Anticipation Loan Lending in the Chicago Region

Reinvestment Alert 29: Refund Anticipation Loan Usage Rates Negatively Impact the Asset Building Potential of the Earned Income Tax Credit

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