Americans for Fairness in Lending

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Americans for Fairness in Lending (AFFIL) is a non-profit organization designed to draw attention to what it calls abuses by the lending industry in America. AFFIL’s stated goal is government regulation of the lending industry to protect American consumers from financial products which deplete assets and can lead to bankruptcy and foreclosure.

AFFIL is an umbrella organization for groups working on lending and asset-building issues. Its official partners include: ACORN, California Reinvestment Coalition, Center for Responsible Lending, CFED, Community Reinvestment Association – North Carolina, Consumer Federation of America, Consumers Union, Demos, National Association of Consumer Advocates, National Consumer Law Center, NEDAP, United Professionals, PIRG, Public Citizen and the Woodstock Institute.[1] AFFIL also works with about one-hundred locally focused ally organizations throughout the country. AFFIL is based in Boston, Massachusetts at 7 Winthrop Square, 5th floor.


To spread its message about the need for the re-regulation of the lending industry, AFFIL has partnered with James Scurlock’s movie and book Maxed Out.[2]

AFFIL has also produced print ads, two short videos, and maintains a website.[3] The website includes information about: mortgages, payday loans, credit cards, debt collection, credit reports, car financing, car title loans, rent to own, and tax refund anticipation loans. The website discusses how to avoid predatory loans and take action to stop predatory lending. AFFIL and its Partners also wrote “Six Principles of Predatory Lending."


In 2004, a group of advocates and organizations began talking about how to combat the growth of debt, bankruptcy, and home foreclosures. They determined that regulation of all lenders is necessary to prevent a race to the bottom and to ensure that rogue lenders do not profit more than the responsible.


  1. ^ "Archived copy". Archived from the original on 2009-06-19. Retrieved 2009-05-21.
  2. ^
  3. ^ "Archived copy". Archived from the original on 2009-06-11. Retrieved 2009-05-21.

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