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Joe Valenti Archives

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 & 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 & 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 & 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

Millions of Americans Are Outside the Financial System

payday loan article icon Fact Sheet New data from the FDIC reaffirm that many families lack bank accounts or are otherwise underserved by the financial system.

by Joe Valenti | Thursday, October 30, 2014

What Congress Should Do to Give Student Loan Borrowers Hope For Relief

Student loans are the only debt that can't be discharged in bankruptcy. Joe Valenti and David Bergeron argue for two law changes to fix this.

by Joe Valenti and David A. Bergeron | Wednesday, October 15, 2014

Making Consumer Voices Count

Mortgage relief eventThe Consumer Financial Protection Bureau’s proposal to release consumers’ complaints in their own words adds additional transparency and accountability to the financial system.

by Joe Valenti, Julia Gordon, and Marc Jarsulic | Thursday, October 2, 2014

Asset Limits Are a Barrier to Economic Security and Mobility

family pantry article icon Issue Brief It is long past due to reform asset limits for safety net programs that work at odds with the goals of family economic security and mobility.

by Rebecca Vallas and Joe Valenti | Wednesday, September 10, 2014

Encouraging Responsible Credit for Financially Vulnerable Consumers

Cash Advance book_alt2 icon Report Through stronger laws and enforcement, as well as the encouragement of better alternatives, policymakers can reduce debt traps in short-term lending.

by Joe Valenti | Thursday, July 10, 2014

Expanding Financial Access Through Mobile Banking

Joe ValentiJoe Valenti, Director of Asset Building, testifies before the Consumer Financial Protection Bureau.

by Joe Valenti | Friday, June 13, 2014

Harnessing the Tax Code to Promote College Affordability

Graduates pose for photographs article icon Issue Brief Progressive reforms to the tax code can help support college access and affordability, and benefit student-loan borrowers.

by Joe Valenti, David A. Bergeron, Elizabeth Baylor | Wednesday, May 28, 2014

Protecting Consumers Five Years After Credit Card Reform

A Visa credit card article icon Issue Brief On the fifth anniversary of the Credit CARD Act, policymakers need to consider how to best address the new regulatory gaps in debit cards and give consumers new tools to manage their credit.

by Joe Valenti | Thursday, May 22, 2014

The Benefits of Local Financial Empowerment Initiatives

Joe ValentiJoe Valenti, Director of Asset Building, testifies before the New York City Council Consumer Affairs Committee.

by Joe Valenti | Friday, February 28, 2014