Without impugning the independence of the writer of this report, it's probably at least worth noting that this is a problematic sentence to find in a report about small-dollar lending: "The Center for Economic and Policy Research thanks the National Bankers Foundation for its generous support of our work on financial markets."

From their website, the National Bankers Association describes themselves thusly: "The National Bankers Association was founded in 1927 as the trade association for the nation's 103 minority and women-owned banks (MWOBs). Our members include banks owned by African-Americans, Native-Americans, American-Indians, East-Indians, Hispanic-Americans, Asian-Americans and Women."