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We are lenders. When Edward Filene, an entrepreneur and businessman, first explored new approaches to traditional banking early in the 20th century, workers in Massachusetts were the immediate beneficiaries. Over the years, credit unions have built a deserved reputation as responsible stewards of their members’ money. A cornerstone of that commitment is responsible lending. At Filene Research Institute we’ve studied loans, lending practices and the financial health of Americans since our founding 27 years ago.

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