To file consumer complaints regarding payday lending, contact the North Carolina Banking Commission.
http://www.banking.state.nc.us
Location: 316 W. Edenton Street, Raleigh, NC 27603
Mailing Address: 4309 Mail Service Center, Raleigh, NC 27699-4309
Telephone: (919) 733-3016, Fax (919) 733-6918

Predatory Lending and The Military: The Law and Geography of "Payday" Loans in Military Towns, report by Christopher L. Peterson, University of Florida law professor, and Steven M. Graves, geography professor at California State University, 3/29/05

After collecting data from more than 13,000 ZIP codes across the country, this study’s authors found payday loan operations clustered in areas near military bases.

(Press Release)  http://www.napa.ufl.edu/2005news/payday.htm

(Full Report)  http://www.law.ufl.edu/faculty/publications/pdf/peterson_military.pdf

Race Matters: The Concentration of Payday Lenders in African-American Neighborhoods in North Carolina, report by Center for Responsible Lending, 3/22/05

(Press Release)  http://www.predatorylending.org/news_headlines/032205release.cfm

(Full Report)  http://www.predatorylending.org/pdfs/rr006-Race_Matters_Payday_in_NC-0305.pdf

The Financial Divide: An Uneven Playing Field, report by California Reinvestment Coalition, 3/9/05

This study exposes how bank financing has supported the growth of high-priced payday lenders in California . 

(Press Release)  http://www.calreinvest.org/PRESS/press_03_09_05.html

(Full Report)  http://www.calreinvest.org/pdf/CRC_FinancialDivide.pdf

Internet Payday Lending: How High-Priced Lenders Use the Internet to Mire Borrowers in Debt and Evade State Consumer Protections, Consumer Federation of America Report, 11/30/04

(Press Release)  http://www.consumerfed.org/113004_InternetPaydayLending.html

(Full Report)  http://www.consumerfed.org/Internet_Payday_Lending113004.PDF

Payday Lenders Hide Behind FDIC Bank Charters to Peddle Usury, Consumer Federation of America Report, 3/30/04

(Press Release)  http://www.consumerfed.org/033104_2004payday.html

(Full Report)  http://www.consumerfed.org/pdlrentabankreport.pdf

Payday Lending: A Business Model that Encourages Chronic Borrowing
Michael Stegman and Richard Faris, UNC-Chapel Hill
Economic Development Quarterly, vol. 17, no. 1, February 2003
http://www.kenaninstitute.unc.edu/Centers/CCC/CCC_Publications_Presentations/PaydayChronicEDQ.pdf

Rent-A-Bank Payday Lending: How Banks Help Payday Lenders Evade State Consumer Protections
The 2001 Payday Lender Survey and Report
Consumer Federation of America and U.S. Public Interest Group
November 2001
http://www.consumerfed.org/paydayreport.pdf

The Public Policy Challenges of Payday Lending
Michael Stegman, UNC-Chapel Hill
Popular Government, vol. 66, no. 3, Spring 2001
http://www.kenan-flagler.unc.edu/assets/documents/CC_paydayLending.pdf

"Unregulated Payday Lending Pulls Vulnerable Consumers Into Spiraling Debt," Woodstock Institute Reinvestment Alert, March 2000, Number 14
http://www.woodstockinst.org/alert.pdf

"Payday Loans Don't Pay," AARP consumer fact sheet, March 2000 http://www.aarp.org/confacts/money/paydayloans.html

Show Me The Money

The 2000 Payday Lender Survey and Report

Consumer Federation of America and US Public Interest Research Group

February 2000
http://www.pirg.org/reports/consumer/payday/index.html

Safe Harbor for Usury: Recent Developments in Pay Day Lending, Consumer Federation of America Report, September 1999
http://www.consumerfed.org/safeharbor.pdf

Press releases, testimony and reports from Consumers Union, publisher of Consumer Reports, including "Wolf in Sheep's Clothing: Payday Loans Disguise Illegal Lending," Consumers Union Southwest Regional Office, February 1999
http://www.consumersunion.org/finance/ipayday.html

The Growth of Legal Loan Sharking: A Report on the Payday Loan Industry, Consumer Federation of America Report, 11/10/98

http://www.consumerfed.org/The_Growth_of_Legal_Loan_Sharking_1998.pdf

NCLC/CFA Model State Payday Loan Law
http://www.nclc.org/PayDayLoans/Pay%20Day%20Loans.html

NCLC Payday Loans: A Form of Loansharking: The Problem, Legislative Strategies, A Model Act
http://www.nclc.org/PayDayLoans/pay-menu.html

CRA-NC's book of payday lending photo essays, "Too Much Month at the End of the Paycheck"

http://www.cra-nc.org/paycheck.pdf

Financial Services in Distressed Communities: Issues and Answers, Fannie Mae Foundation Report, August 2001

A look at lending in distressed neighborhoods.  Includes "Predatory Lending: An Overview"

http://www.cra-nc.org/financial.pdf