CRC Reports and Brochures

Reports
Free Checking is not Free
A Closer Look at Overdraft Fees: How California’s Largest Banks Profit from Low-Balance Account Holders (13 pg. pdf)

Foreclosed: The Burden of Homeownership Loss on City of Oakland and Alameda County Residents
A report by Housing and Economic Rights Advocates and CRC (47 pg. pdf)

The Chasm between Words and Deeds
Lenders Not Modifying Mortgage Loans as They Say To Avoid Foreclosures (20 pg. pdf)

Payday Lenders Evade Regulations
A Summary of Findings from Surveying Payday Lending Establishments (10 pg. pdf)

Paying More for the American Dream
A Multi-State Analysis of Higher Cost Home Purchase Lending (21 pg. pdf)

Small Business Access to Bank Credit: the Little Engine that Could
CRC's 2007 Small Business Report (17 pg. pdf)

Who Really Gets Higher-Cost Home Loans 2006
CRC's 13th Annual HMDA Report (57 pg. pdf)

Who Really Gets Higher-Cost Home Loans 2005
CRC's 12th Annual HMDA Report (50 pg. pdf)

Where are the Bank Branches in my Community?
CRC's 2005 Bank Branch Analysis (15 pg. pdf)

The Financial Divide: An Uneven Playing Field
A look at banks financing check cashers and payday lenders in California, 2005 (16 pg. pdf)

Small Business Access to Bank Credit
CRC's Small Business Report 2003 (25 pg. pdf)

Stolen Wealth
Inequities in California's Subprime Mortgage Market, 2001 (59 pg. pdf)

Payling More for the American Dream
Community advocacy groups from across the country released this report March 8, 2007 at the Federal Reserve Bank Community Advisory Committee Meeting showing that the largest lenders making both prime and subprime mortgage loans have a disproportionate share of their higher cost loans going to minority borrowers across the nation. 

Brochures and Guides
"Don't Get Trapped by Payday Loans"
Payday lenders target California's working poor, people of color, single parents, military personnel and immigrants and trap them in a vicious cycle of debt, stripping them of valuable assets. Help stop these predators and warn people in your community against taking out payday loans. CRC created an informative brochure about payday loans to inform people of their rights when dealing with payday lenders; the risks involved in taking out payday loans; and alternative options. If you are interested in ordering copies of this brochure in English or Spanish please email crc@calreinvest.org.
Payday Brochure - ENGLISH (2 pg. pdf)
Payday Brochure - ESPANOL (2 pg. pdf)

Your Tax Refund Money is Yours - English, Espanol
CRC's brochure warning against Refund Anticipation Loans (2 pg. pdf)
More Information on RALs

CRC's Banking Guide:
Compare the fees on California's free and low-cost checking accounts.
English
Espanol

CRC's Overdraft Guide:
A guide to the overdraft fees and policies at California's biggest banks.
English
Espanol