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Graciela Aponte-Diaz

Director of California Policy

Graciela Aponte-Diaz is the Director of California Policy, based in Oakland, where she works with stakeholders in California to develop and implement strategies for advancing CRL’s goals for strong consumer protection and responsible lending policies in the state.

Graciela first joined CRL in 2012, where she pioneered some of the most successful strategies in engaging the voices of payday borrowers in advocacy for stronger protections at the state and federal level. In 2015, Graciela served on the Executive Staff of Self-Help Federal Credit Union, CRL’s sister organization. She worked on the development of a small dollar loan designed to help low-income immigrants apply for DACA (Deferred Action for Childhood Arrivals).

Before joining CRL, Graciela was the Senior Legislative Analyst for the Wealth-Building Policy Project at the National Council of La Raza (NCLR). While at NCLR, she helped successfully restore federal funds for housing counseling; fought for improvements to President Obama’s foreclosure prevention program; testified before Congress on housing policy; and fought for a strong financial reform bill which resulted in the creation of a new federal agency tasked with protecting consumers.

Graciela began her career working directly with community members as a housing counselor and as a Community Liaison to a Congressional Representative in Prince George’s County, Maryland. Graciela received her bachelor’s degree in Government and Politics from the University of Maryland.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.

News

March 21, 2017
Assemblymember Kalra's AB 1109 would cap high-cost loans at 24% Today, the Center for Responsible Lending (CRL) applauded California Assemblymember Ash Kalra’s (D-San Jose) introduction of AB 1109...
January 5, 2017 | By Radio Bilingue
Presionan para abrir el mercado hipotecario. Aunque el mercado de las casas se expande y se decretan leyes que protegen a los prestatarios, los consumidores latinos y afroamericanos siguen batallando...
January 3, 2017
The California Supreme Court recently ruled against payday lenders who try to use tribal sovereignty to avoid state licensing and consumer protection laws. In 2007, the California Department of...
December 16, 2016 | By J.D. Morris The Press Democrat
The study also found that, among ZIP codes with six or more payday lending stores, the share of black and Latino residents exceeded their share of the overall state population. Graciela Aponte-Diaz,...

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