Pew Comments on NCUA Payday Alternative Loan (PAL) Program

Pew Offers Insights to Inform Design of the Payday Alternative Loan Program

In response to the National Credit Union Administration’s plans to modify its current Payday Loan Alternative program, The Pew Charitable Trusts provided a summary of its research findings about the high-cost, non-depository small-loan market and policy recommendations to protect consumers and make it easier for credit unions to provide safer, lower-cost small-dollar credit products to their customers.

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Opinion

How OCC Can Help Banks Disrupt the Payday Loan Industry

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Opinion

President Trump has recently named an acting comptroller of the currency, the head of the federal agency regulating large banks. As the American Banker noted, some big questions await the agency. While much is at stake for our country’s banks, a lot is on the line for individuals and their families as well. One important opportunity that the next Office of the Comptroller of the Currency leader will have is to save low- and moderate-income Americans billions of dollars annually by permitting banks to offer safe small-dollar installment loans to their customers. Today, excessive underwriting and compliance requirements have made it all but impossible for banks to widely offer affordable small loans.

National Homeownership Month

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37 Researchers Working to Transform Biomedical Science

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Biomedical researchers are on the front lines of scientific innovation. From responding to global pandemics to pioneering lifesaving cancer treatments, these researchers push past scientific boundaries to solve pressing health challenges. For nearly 40 years, The Pew Charitable Trusts has supported more than 1,000 early-career biomedical scientists committed to this discovery.

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Learn the Basics of Broadband from Our Limited Series

Sign up for our four-week email course on Broadband Basics

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How does broadband internet reach our homes, phones, and tablets? What kind of infrastructure connects us all together? What are the major barriers to broadband access for American communities?

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What Is Antibiotic Resistance—and How Can We Fight It?

Sign up for our four-week email series The Race Against Resistance.

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Antibiotic-resistant bacteria, also known as “superbugs,” are a major threat to modern medicine. But how does resistance work, and what can we do to slow the spread? Read personal stories, expert accounts, and more for the answers to those questions in our four-week email series: Slowing Superbugs.