About

Nick Bourke

Nick Bourke

  • Director
  • Small Dollar Loans,
  • The Pew Charitable Trusts

Profile

Nick Bourke directs Pew's research on consumer needs and perceptions, market practices, and potential regulation of payday and other small-dollar loan providers. The project also offers policy recommendations designed to protect consumers from harmful practices and promote safe, transparent credit.

As the lead on Pew’s analysis and advocacy efforts on consumer lending issues, Bourke oversees a team of researchers, publishing unique analyses and proposing evidence-based regulation for the credit card and small-dollar loan industries. He has testified before congressional committees and frequently interacts with stakeholders from industry and consumer groups. Bourke has conducted numerous interviews on national television and radio news programs and with top print publications.

Bourke previously led Pew’s successful campaign to reform regulation of the credit card industry. Before joining Pew, he worked with financial services and high tech companies, serving as product manager, marketing specialist, strategy consultant, and legal advisor, with particular expertise in electronic payments. Most recently, Bourke was senior consultant and project manager for the Ziba Group, where his clients included Visa and other financial services firms. Bourke has also developed marketing analytics products for credit card providers and other organizations. He is a member of the State Bar of California.

Bourke holds a bachelor’s degree in science, technology, and society from Stanford University and a juris doctor degree from the University of California, Davis.

Recent Work

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  • From Payday to Small Installment Loans

    All of the largest payday lenders now offer installment loans, which are repayable over time and secured by access to the borrower’s checking account, in addition to conventional payday loans that are due in a single lump sum. This shift toward installment lending has been geographically widespread, with payday or auto title lenders issuing such loans or lines of credit in 26 of the 39... Read More

  • Pew Identifies 4 Risks in Shift to Payday Installment Lending

    WASHINGTON—The shift toward installment credit in the payday and auto title lending markets is creating new risks, but a draft rule proposed in June by the Consumer Financial Protection Bureau (CFPB) would not adequately protect borrowers because it does not keep pace with changes in the industry, according to an issue brief released today by The Pew Charitable Trusts. Read More

  • Will the New Federal Payday Loan Rule Give Consumers Better, Safer Options?

    Federal regulators have an opportunity to set rules for small-dollar lending for the first time, potentially saving American borrowers billions of dollars. The Consumer Financial Protection Bureau (CFPB) proposed a new rule for this market in June. Read More

Media Contact

Mark Wolff

Director, Communications

202.540.6390