Update to Report 9

February 22nd, 2017 by

Evaluating CFPB Simulations of the Impact of Proposed Rules on Storefront Payday Lending By: Rick Hackett As part of our efforts to comment on CFPB’s proposed rule on small dollar… Read More


Report 11: Now Available

October 6th, 2016 by

This report answers the question: Does Lender Behavior Support CFPB’s Hypothesis That Installment Loans Are Increasingly Unaffordable as Rates Increase? Find the answer in Report 11


Report 11: What’s 36% Got to Do With It?

October 6th, 2016 by

Does Lender Behavior Support CFPB’s Hypothesis That Installment Loans Are Increasingly Unaffordable as Rates Increase? By: Rick Hackett CFPB (the Bureau) defines “covered longer term loans” that will be subject… Read More


Report 10: Now Available

September 29th, 2016 by

This report answers the question: Do those with the ability-to-repay appear more likely to actually repay?  Find the answer in Report 10


Report 10: Is Consumer “Ability To Repay” Predictive of Actual Repayment of Storefront Payday Loans?

September 29th, 2016 by

By: Rick Hackett In a recent White Paper, we analyzed the ability-to-repay (ATR) of a large sample of storefront payday borrowers, using the CFPB’s recently proposed method of computing residual… Read More


Report 8B is Now Available

September 26th, 2016 by

This report answers the question: how would borrowers fare with a hypothetical “high cost” installment loan under the CFPB criteria? Download the report here. 


Report 8B: Can Storefront Payday Borrowers Qualify for a $500 Installment Loan Under CFPB Rules?

September 26th, 2016 by

In Report #8 published on nonPrime101, this team asked the question: can a historical population of payday loan borrowers qualify for an installment loan under the standards laid out in… Read More


Report 9 Is Now Available!

September 21st, 2016 by

NonPrime101 finds that the CFPB proposal will reduce credit access to storefront payday customers by 81.3% to 90.5%


Report 9: Evaluating CFPB Simulations of the Impact of Proposed Rules on Storefront Payday Lending

September 21st, 2016 by

NonPrime101 finds that the CFPB proposal will reduce credit access to storefront payday customers by 81.3% to 90.5% On June 2, 2016, CFPB proposed rules for payday, auto title and… Read More


nonPrime101 Conference Presentations

May 20th, 2016 by

On May 9-11, key thought leaders in the subprime consumer space came together with attendees from various industries to to discuss the large and often underserved subprime consumer segment in… Read More


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