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Joe Valenti Archives

Missourians deserve an end to payday lending

Authors Joe Valenti and Tishaura Jones argue that Missouri should ban predatory payday lending, which disproportionately affects people of color.

by Joe Valenti and Tishaura Jones | Tuesday, November 17, 2015

Infographic: Mobile Banking By the Numbers

Mobile financial tools can help the nearly 10 million households without bank accounts enter the financial mainstream and collectively save billions of dollars in fees.

by Joe Valenti and Pete Morelewicz | Thursday, September 24, 2015

Predatory Lending: Faith Communities Mobilizing to Defend the Vulnerable

Joe Valenti and Claire Markham discuss the documented economic harm of predatory loans and how faith traditions are reminding policymakers that exploiting the vulnerable is wrong.

by Joe Valenti and Claire Markham | Tuesday, August 18, 2015

The Fiduciary Rule Would Put Savers’ and Retirees’ Best Interests First

Joe ValentiJoe Valenti, Director of Consumer Finance, testifies before the U.S. Department of Labor.

by Joe Valenti | Wednesday, August 12, 2015

Rewarding Tax-Time Savings Through Existing Law

tax fillerThe Internal Revenue Service can make administrative changes to help taxpayers qualify for the Saver’s Credit and boost their retirement savings.

by Harry Stein and Joe Valenti | Thursday, August 6, 2015

Cash Management Rule Maximizes Student Access to Financial Aid Dollars

College student in dormThe U.S. Department of Education’s proposed regulations of campus financial products would ensure that students’ best interests are met.

by Joe Valenti and Elizabeth Baylor | Wednesday, July 29, 2015

The Consumer Financial Protection Bureau is working. So why is Congress trying to cripple it?

Joe Valenti and David Sanchez write on the success of the Consumer Financial Protection Bureau, or CFPB, and recent attempts in Congress to weaken the agency.

by Joe Valenti and David Sanchez | Monday, July 20, 2015

Lending for Success

Homeowner mortgage lending relief book_alt2 icon Report Aligning lending incentives creates better outcomes for banks and borrowers alike.

by Joe Valenti, Sarah Edelman, Julia Gordon | Monday, July 13, 2015

Responsible Credit Is an Economic and Moral Issue

Maranda Brooks stands outside a payday loans business. article icon Issue Brief As states and the federal Consumer Financial Protection Bureau debate payday lending regulation, both economics and faith illustrate the need for effective consumer protections.

by Joe Valenti and Claire Markham | Tuesday, June 9, 2015

Better Banking Products on Campus

ATM withdrawalThe Consumer Financial Protection Bureau’s Safe Student Account Scorecard is a first step toward ensuring that college financial products are designed with students in mind.

by Joe Valenti, David A. Bergeron, Sarah Audelo | Monday, April 20, 2015

Making Prepaid Cards Safer, More Transparent, and More Affordable

Prepaid cardsThe Consumer Financial Protection Bureau’s proposed prepaid card rule adds transparency and security to cards that increasingly resemble bank accounts, but further improvements could be made.

by Joe Valenti | Friday, April 17, 2015

Language Access Is a Consumer Protection Issue

El CentroThe Consumer Financial Protection Bureau’s Language Access Plan is a step toward empowering consumers with limited English proficiency to participate fully in the financial marketplace.

by Michela Zonta and Joe Valenti | Friday, April 17, 2015

Strengthening the Military Lending Act to Protect Troops from Predatory Practices

Soldier fills out paperworkExpanding the Military Lending Act would better protect service members from becoming trapped in a cycle of debt and risking their security clearances.

by Joe Valenti and Lawrence J. Korb | Thursday, January 15, 2015

Small Steps Toward a Modernized Community Reinvestment Act

mobile bankingBank regulators’ efforts to update the Community Reinvestment Act reflect changes in the financial marketplace and are valuable first steps toward broader reforms.

by Joe Valenti and Julia Gordon | Monday, January 12, 2015

Expanding Consumer Protection in Auto Finance

auto title loan repossessionsBy expanding its supervision to include nonbank car loans and leases, the Consumer Financial Protection Bureau’s proposed rule will protect millions of consumers.

by Joe Valenti | Monday, January 12, 2015