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DALLAS – Two Texas Baptist pastors raised concerns about payday and car title lending practices during meetings with the federal Consumer Financial Protection Bureau leadership in Dallas on Dec. 12. Full Story »

car title loans

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

Several states have banned payday and auto title lending. At the end of July 2010 Arizona joined these ranks – kind of. It’s true; in 2010 Arizona enforced “Operation Sunset,” which made it illegal to provide a payday loan. Part of this operation includes a limit of 36 percent interest on other consumer loans. Research from the Arizona Attorney General concluded that these protective measures would benefit Arizona consumers by outlawing these risky lending practices.  Full Story »

family lending

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

It may not be difficult to imagine you’re in a place where your next paycheck is too far off with a bill looming over your head. Financial constraints are nothing new to many of us, but fortunately many of us also have reliable support or resources available to help. Full Story »

blueberry pie

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

I’ve been doing a lot of talking about the issues surrounding payday and auto title loans. I’ve read articles, academic studies, and just about anything related to the lenders and the consumers affected. I’ve done this research because I’m not able to give you a first-hand account of what it is like to be entrapped by a payday or auto title loan. Full Story »

predatory lending

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

While researching predatory lending and its impact, I found a fairly consistent voice of opposition from religiously affiliated organizations. Truthfully, this took me by surprise. Full Story »

payday loans

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin.)

Since the Texas legislature meets every other year a lot of work needs to be done during the interim. Payday and auto title lending policy is no different. Several cities throughout Texas have passed ordinances that take further measures to protect their residents from becoming entrapped in the payday and auto title lending cycle. Full Story »

payday-loans (1)
(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin.)

Steven Graves and Christopher Peterson may not be the most recognizable names in academia, but for the purposes of this blog, they are my new higher-education heroes. Graves is a professor of geography at California State University, and Peterson teaches law at the University of Florida. In 2005, Graves and Peterson published a study in The Ohio State Law Journal titled, “Predatory Lending and the Military: The Law and Geography of ‘Payday’ Loans in Military Towns.” Full Story »