Reliance on Payday Loans Dropped During the Pandemic, but Californians Are ‘Not Out of the Woods’
Once Again, California Lawmakers Won't Crack Down on Payday Lenders
New Payday Lending Rules Will Require Proof of Ability to Pay
California Lawmaker Proposes to Curb High-Interest Loans
Sponsored
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Farida earned her master’s degree in journalism from Stanford University.\u003c/span>","avatar":"https://secure.gravatar.com/avatar/c3ab27c5554b67b478f80971e515aa02?s=600&d=blank&r=g","twitter":"FaridaJhabvala","facebook":null,"instagram":null,"linkedin":"https://www.linkedin.com/in/faridajhabvala/","sites":[{"site":"news","roles":["editor"]},{"site":"stateofhealth","roles":["author"]}],"headData":{"title":"Farida Jhabvala Romero | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/c3ab27c5554b67b478f80971e515aa02?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/c3ab27c5554b67b478f80971e515aa02?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/fjhabvala"}},"breakingNewsReducer":{},"campaignFinanceReducer":{},"firebase":{"requesting":{},"requested":{},"timestamps":{},"data":{},"ordered":{},"auth":{"isLoaded":false,"isEmpty":true},"authError":null,"profile":{"isLoaded":false,"isEmpty":true},"listeners":{"byId":{},"allIds":[]},"isInitializing":false,"errors":[]},"navBarReducer":{"navBarId":"news","fullView":true,"showPlayer":false},"navMenuReducer":{"menus":[{"key":"menu1","items":[{"name":"News","link":"/","type":"title"},{"name":"Politics","link":"/politics"},{"name":"Science","link":"/science"},{"name":"Education","link":"/educationnews"},{"name":"Housing","link":"/housing"},{"name":"Immigration","link":"/immigration"},{"name":"Criminal Justice","link":"/criminaljustice"},{"name":"Silicon Valley","link":"/siliconvalley"},{"name":"Forum","link":"/forum"},{"name":"The California Report","link":"/californiareport"}]},{"key":"menu2","items":[{"name":"Arts & Culture","link":"/arts","type":"title"},{"name":"Critics’ Picks","link":"/thedolist"},{"name":"Cultural Commentary","link":"/artscommentary"},{"name":"Food & Drink","link":"/food"},{"name":"Bay Area Hip-Hop","link":"/bayareahiphop"},{"name":"Rebel Girls","link":"/rebelgirls"},{"name":"Arts Video","link":"/artsvideos"}]},{"key":"menu3","items":[{"name":"Podcasts","link":"/podcasts","type":"title"},{"name":"Bay Curious","link":"/podcasts/baycurious"},{"name":"Rightnowish","link":"/podcasts/rightnowish"},{"name":"The Bay","link":"/podcasts/thebay"},{"name":"On Our Watch","link":"/podcasts/onourwatch"},{"name":"Mindshift","link":"/podcasts/mindshift"},{"name":"Consider This","link":"/podcasts/considerthis"},{"name":"Political Breakdown","link":"/podcasts/politicalbreakdown"}]},{"key":"menu4","items":[{"name":"Live Radio","link":"/radio","type":"title"},{"name":"TV","link":"/tv","type":"title"},{"name":"Events","link":"/events","type":"title"},{"name":"For Educators","link":"/education","type":"title"},{"name":"Support KQED","link":"/support","type":"title"},{"name":"About","link":"/about","type":"title"},{"name":"Help Center","link":"https://kqed-helpcenter.kqed.org/s","type":"title"}]}]},"pagesReducer":{},"postsReducer":{"stream_live":{"type":"live","id":"stream_live","audioUrl":"https://streams.kqed.org/kqedradio","title":"Live Stream","excerpt":"Live Stream information currently unavailable.","link":"/radio","featImg":"","label":{"name":"KQED Live","link":"/"}},"stream_kqedNewscast":{"type":"posts","id":"stream_kqedNewscast","audioUrl":"https://www.kqed.org/.stream/anon/radio/RDnews/newscast.mp3?_=1","title":"KQED Newscast","featImg":"","label":{"name":"88.5 FM","link":"/"}},"news_11882937":{"type":"posts","id":"news_11882937","meta":{"index":"posts_1591205157","site":"news","id":"11882937","score":null,"sort":[1627583689000]},"guestAuthors":[],"slug":"reliance-on-payday-loans-dropped-during-pandemic-but-californians-not-out-of-the-woods","title":"Reliance on Payday Loans Dropped During the Pandemic, but Californians Are ‘Not Out of the Woods’","publishDate":1627583689,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>Pandemic government assistance may have helped some Californians avoid using expensive payday loans last year, but some experts say it might be too early to celebrate.\u003c/p>\n\u003cp>A new report found that in 2020, California saw a 40% decline in payday loans taken out compared to 2019, a drop equivalent to $1.1 billion. Almost half a million fewer people didn’t rely on payday loans, a 30% drop compared to 2019.\u003c/p>\n\u003cp>Despite the unprecedented job loss triggered by the pandemic last year, government-funded financial aid was enough to acutely impact the payday loan industry, according to the California Department of Financial Protection and Innovation. The department released the report last week as part of its ongoing effort to regulate and oversee consumer financial products.\u003c/p>\n\u003cp>The \u003ca href=\"https://dfpi.ca.gov/wp-content/uploads/sites/337/2021/07/DFPI_AnnualReport_CDDTL-2020.pdf\">report\u003c/a> comes on the heels of \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2021/07/california-budget-legislature/\">California’s new $262.6 billion budget\u003c/a>, with multiple programs aimed at reducing economic inequality within the state. An unprecedented \u003ca href=\"https://calmatters.org/california-divide/2021/07/look-up-california-stimulus-golden-state/\">$11.9 billion\u003c/a> will be spent on \u003ca href=\"https://calmatters.org/california-divide/2021/07/look-up-california-stimulus-golden-state/\">Golden State Stimulus payments\u003c/a>, a one-time benefit not set to continue in years to come.\u003c/p>\n\u003cp>“With those benefits going away, we do expect there to be potentially an uptick (in payday loans),” said department of financial protection spokesperson Maria Luisa Cesar.\u003c/p>\n\u003ch3>\u003cstrong>Only Temporary Relief\u003c/strong>\u003c/h3>\n\u003cp>Industry representatives, state regulators and consumer advocates agree: Government assistance helped Californians avoid their reliance on payday loans — short-term, high-interest loans that must be paid back in full when borrowers get their next paycheck. Additional reports found that California’s trend \u003ca href=\"https://www.veritecs.com/2021-update-covid-19-impact-study-on-small-dollar-lending/\">mirrors trends in other states\u003c/a>.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Thomas Leonard, executive director of the \u003ca href=\"https://www.cfsponline.com/\">California Financial Service Providers Association\u003c/a>, said that 2020 was a difficult year for the industry because the pandemic changed how consumers managed their finances. His association represents providers of small-dollar consumer loans, payday loans, check cashing and other consumer financial services.\u003c/p>\n\u003cp>[aside postID=\"news_11810146\" label=\"Related Posts\"]\u003c/p>\n\u003cp>“Demand for small-dollar loans dropped precipitously in 2020, as many consumers stayed home, paid down debt, managed fewer expenses, and received direct payments from the government,” Leonard said in a statement.\u003c/p>\n\u003cp>On the other hand, Cesar said that the drop in payday loan use is not necessarily indicative of Californians doing better financially.\u003c/p>\n\u003cp>“That’s just too simplistic of a picture,” she said. “Cash relief efforts were able to help consumers make ends meet, but folks are not out of the woods.”\u003c/p>\n\u003cp>Marisabel Torres, the California policy director for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, said that despite the impact pandemic relief had on Californians, some of those programs already have an end date. California’s \u003ca href=\"https://calmatters.org/housing/2021/06/california-eviction-moratorium-deal/\">eviction moratorium\u003c/a>, for example, is scheduled to end Sept. 30. The rollout of rental assistance has been slow. Tenants with unpaid rent are facing \u003ca href=\"https://calmatters.org/staying-sheltered/\">potential eviction\u003c/a> for those who can’t afford to pay rent.\u003c/p>\n\u003cp>Once those programs go away, Torres said, people will continue to need financial assistance.\u003c/p>\n\u003cp>“There is still this large population of people that will continue to turn to these products,” Torres said.\u003c/p>\n\u003cp>With the exception of last year, the report showed that the usage of payday loans has remained stable for the last 10 years. But the use of payday loans \u003ca href=\"https://link.springer.com/article/10.1007/s10834-017-9557-0\">doubled in the years following the Great Recession\u003c/a>.\u003c/p>\n\u003cp>The state report provides no context about how consumers used payday loan money in 2020, but a \u003ca href=\"https://www.pewtrusts.org/~/media/legacy/uploadedfiles/pcs_assets/2012/pewpaydaylendingreportpdf.pdf\">study\u003c/a> by the Pew Charitable Trusts in 2012 found that 69% of customers use the funds for recurring expenses, including rent, groceries and bills.\u003c/p>\n\u003cp>Almost half of all payday loan customers in 2020 had an average annual income of less than $30,000 a year, and 30% of customers earned $20,000 or less a year. The annual reports also consistently show higher usage among customers making more than $90,000 per year, though the financial oversight department wasn’t able to explain why.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/6c375e67-8c9a-4a39-ae13-9a88c42076fb?src=embed\" title=\"Payday Income\" width=\"800\" height=\"712\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>“Basic necessities, like groceries, rent ... To live life, you have to pay for these things,” Torres said. “Anything that alleviates that economic pressure is helpful to folks.”\u003c/p>\n\u003cp>Lawmakers throughout California have begun establishing pilot programs that would alleviate some of that economic pressure. \u003ca href=\"https://calmatters.org/california-divide/2020/07/coronavirus-pandemic-stockton-guaranteed-income/\">Stockton was the first city\u003c/a> to experiment with guaranteed income for its residents. Compton, Long Beach and Oakland followed suit through the national \u003ca href=\"https://calmatters.org/california-divide/2021/07/universal-basic-income-california/\">Mayors for a Guaranteed Income\u003c/a> effort. California approved its \u003ca href=\"https://calmatters.org/california-divide/2021/07/universal-basic-income-california/\">first guaranteed income program\u003c/a> earlier this month.\u003c/p>\n\u003ch3>\u003cstrong>Little Regulation, High Fees\u003c/strong>\u003c/h3>\n\u003cp>Payday loans are considered some of the most expensive and financially dangerous loans that consumers can use. Experts say that the drop in usage last year is good for Californians, but the industry still lacks the necessary regulation to lower the risk of loans for low-income consumers.\u003c/p>\n\u003cp>California lawmakers have an \u003ca href=\"https://calmatters.org/economy/2018/07/predatory-payday-lending-california/\">extensive history\u003c/a> of attempting to regulate \u003ca href=\"https://calmatters.org/politics/2019/05/will-california-crack-down-predatory-lending-pink-slip-loans/\">predatory lending\u003c/a> in the state, but have failed to enact significant consumer protection from payday loans. The most notable legislation came in 2017, when California began requiring licenses from lenders. The law also capped payday loans at $300, but did not cap annualized interest rates, which averaged a whopping 361% in 2020.\u003c/p>\n\u003cp>In addition to exorbitant interest rates, one of the industry’s major sources of income is fees, especially from people who serially depend on payday loans.\u003c/p>\n\u003cp>A total of $164.7 million in transaction fees — 66% of the industry’s fee income — came from customers who took out seven or more loans in 2020. About 55% of customers opened a new loan the same day their previous loan ended.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/b6024a2f-9e69-44c2-843e-5c12dc447c3e?src=embed\" title=\"Payday Loan Fees\" width=\"800\" height=\"712\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>\u003ca href=\"https://calmatters.org/economy/2018/07/predatory-payday-lending-california/\">After multiple failed efforts in years past\u003c/a> to regulate the industry, California legislators aren’t pursuing major reforms this session to fight the industry. Torres called for continued legislative efforts that would cap interest rates as a way to alleviate what she calls the debt trap.\u003c/p>\n\u003cp>“It is wild to think that a policymaker would see that and say, ‘This is OK. It’s OK for my constituents to live under these circumstances,’ \" Torres said. “When it’s actually in the power of California policymakers to change that.”\u003c/p>\n\u003ch3>\u003cstrong>Payday Loan Alternatives\u003c/strong>\u003c/h3>\n\u003cp>There is evidence that the decrease in payday activity correlates with COVID-19 relief efforts. While there are a number of factors in the decrease, they likely include the distribution of stimulus checks, loan forbearances and growth in alternative financing options. Most commonly known as “early wage access,” the new industry claims it is a safer alternative.\u003c/p>\n\u003cp>The companies lend a portion of a customer’s paycheck through phone applications and don’t charge interest fees. The product is not yet regulated, but the state’s financial oversight agency announced that it will \u003ca href=\"https://dfpi.ca.gov/2021/01/27/the-dfpi-signs-mous-believed-to-be-the-among-the-nations-first-with-earned-wage-access-companies/\">begin surveying\u003c/a> five companies that currently provide the service.\u003c/p>\n\u003cp>The problem with this model, according to Torres, is that there is no direct fee structure. To make a profit, the apps require customers to leave a tip for the service.\u003c/p>\n\u003cp>“Unfortunately, that tip often clouds how much the loan ultimately costs you,” Torres said, adding that some companies go as far as using psychological tactics to encourage customers to leave a large tip.\u003c/p>\n\u003cp>“Customers voiced relief to know our industry was still here for them during the most trying circumstances and we have been proud to be there during this time of need,” Leonard said.\u003c/p>\n\u003cp>Despite last year’s drop in activity, 1.1 million customers borrowed a total of $1.7 billion in payday loans last year, 75% of them returning for at least one more loan within the same year.\u003c/p>\n\u003cp>Torres said that the Center for Responsible Lending is continuing to work with legislators to write bills that would cap interest rates to make payday loans more affordable. Requiring lenders to assess the customer’s ability to pay the loan would also prevent customers from falling into a debt trap, she said.\u003c/p>\n\u003cp>“They act like they are providing this lifesaver to somebody,” Torres said. “That is not a lifesaver. They are tying (customers) down with an anchor.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>This article is part of the \u003ca href=\"https://calmatters.org/projects/california-divide/\">California Divide\u003c/a>, a collaboration among newsrooms examining income inequality and economic survival in California.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"A new report found a dramatic decrease in Californians’ reliance on payday loans as a direct result of pandemic-related government assistance, including unemployment benefits, rent relief, eviction moratoriums, stimulus checks and loan forbearance. But experts warn that use of payday loans is expected to rebound once government assistance ends. ","status":"publish","parent":0,"modified":1627591131,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://e.infogram.com/6c375e67-8c9a-4a39-ae13-9a88c42076fb","https://e.infogram.com/b6024a2f-9e69-44c2-843e-5c12dc447c3e"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":38,"wordCount":1368},"headData":{"title":"Reliance on Payday Loans Dropped During the Pandemic, but Californians Are ‘Not Out of the Woods’ | KQED","description":"A new report found a dramatic decrease in Californians’ reliance on payday loans as a direct result of pandemic-related government assistance, including unemployment benefits, rent relief, eviction moratoriums, stimulus checks and loan forbearance. But experts warn that use of payday loans is expected to rebound once government assistance ends. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Reliance on Payday Loans Dropped During the Pandemic, but Californians Are ‘Not Out of the Woods’","datePublished":"2021-07-29T18:34:49.000Z","dateModified":"2021-07-29T20:38:51.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11882937 https://ww2.kqed.org/news/?p=11882937","disqusUrl":"https://ww2.kqed.org/news/2021/07/29/reliance-on-payday-loans-dropped-during-pandemic-but-californians-not-out-of-the-woods/","disqusTitle":"Reliance on Payday Loans Dropped During the Pandemic, but Californians Are ‘Not Out of the Woods’","source":"CalMatters","nprByline":"\u003ca href=\"https://calmatters.org/author/erika-paz/\">Erika Paz\u003c/a>\u003cbr>CalMatters","path":"/news/11882937/reliance-on-payday-loans-dropped-during-pandemic-but-californians-not-out-of-the-woods","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Pandemic government assistance may have helped some Californians avoid using expensive payday loans last year, but some experts say it might be too early to celebrate.\u003c/p>\n\u003cp>A new report found that in 2020, California saw a 40% decline in payday loans taken out compared to 2019, a drop equivalent to $1.1 billion. Almost half a million fewer people didn’t rely on payday loans, a 30% drop compared to 2019.\u003c/p>\n\u003cp>Despite the unprecedented job loss triggered by the pandemic last year, government-funded financial aid was enough to acutely impact the payday loan industry, according to the California Department of Financial Protection and Innovation. The department released the report last week as part of its ongoing effort to regulate and oversee consumer financial products.\u003c/p>\n\u003cp>The \u003ca href=\"https://dfpi.ca.gov/wp-content/uploads/sites/337/2021/07/DFPI_AnnualReport_CDDTL-2020.pdf\">report\u003c/a> comes on the heels of \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2021/07/california-budget-legislature/\">California’s new $262.6 billion budget\u003c/a>, with multiple programs aimed at reducing economic inequality within the state. An unprecedented \u003ca href=\"https://calmatters.org/california-divide/2021/07/look-up-california-stimulus-golden-state/\">$11.9 billion\u003c/a> will be spent on \u003ca href=\"https://calmatters.org/california-divide/2021/07/look-up-california-stimulus-golden-state/\">Golden State Stimulus payments\u003c/a>, a one-time benefit not set to continue in years to come.\u003c/p>\n\u003cp>“With those benefits going away, we do expect there to be potentially an uptick (in payday loans),” said department of financial protection spokesperson Maria Luisa Cesar.\u003c/p>\n\u003ch3>\u003cstrong>Only Temporary Relief\u003c/strong>\u003c/h3>\n\u003cp>Industry representatives, state regulators and consumer advocates agree: Government assistance helped Californians avoid their reliance on payday loans — short-term, high-interest loans that must be paid back in full when borrowers get their next paycheck. Additional reports found that California’s trend \u003ca href=\"https://www.veritecs.com/2021-update-covid-19-impact-study-on-small-dollar-lending/\">mirrors trends in other states\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Thomas Leonard, executive director of the \u003ca href=\"https://www.cfsponline.com/\">California Financial Service Providers Association\u003c/a>, said that 2020 was a difficult year for the industry because the pandemic changed how consumers managed their finances. His association represents providers of small-dollar consumer loans, payday loans, check cashing and other consumer financial services.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11810146","label":"Related Posts "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Demand for small-dollar loans dropped precipitously in 2020, as many consumers stayed home, paid down debt, managed fewer expenses, and received direct payments from the government,” Leonard said in a statement.\u003c/p>\n\u003cp>On the other hand, Cesar said that the drop in payday loan use is not necessarily indicative of Californians doing better financially.\u003c/p>\n\u003cp>“That’s just too simplistic of a picture,” she said. “Cash relief efforts were able to help consumers make ends meet, but folks are not out of the woods.”\u003c/p>\n\u003cp>Marisabel Torres, the California policy director for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, said that despite the impact pandemic relief had on Californians, some of those programs already have an end date. California’s \u003ca href=\"https://calmatters.org/housing/2021/06/california-eviction-moratorium-deal/\">eviction moratorium\u003c/a>, for example, is scheduled to end Sept. 30. The rollout of rental assistance has been slow. Tenants with unpaid rent are facing \u003ca href=\"https://calmatters.org/staying-sheltered/\">potential eviction\u003c/a> for those who can’t afford to pay rent.\u003c/p>\n\u003cp>Once those programs go away, Torres said, people will continue to need financial assistance.\u003c/p>\n\u003cp>“There is still this large population of people that will continue to turn to these products,” Torres said.\u003c/p>\n\u003cp>With the exception of last year, the report showed that the usage of payday loans has remained stable for the last 10 years. But the use of payday loans \u003ca href=\"https://link.springer.com/article/10.1007/s10834-017-9557-0\">doubled in the years following the Great Recession\u003c/a>.\u003c/p>\n\u003cp>The state report provides no context about how consumers used payday loan money in 2020, but a \u003ca href=\"https://www.pewtrusts.org/~/media/legacy/uploadedfiles/pcs_assets/2012/pewpaydaylendingreportpdf.pdf\">study\u003c/a> by the Pew Charitable Trusts in 2012 found that 69% of customers use the funds for recurring expenses, including rent, groceries and bills.\u003c/p>\n\u003cp>Almost half of all payday loan customers in 2020 had an average annual income of less than $30,000 a year, and 30% of customers earned $20,000 or less a year. The annual reports also consistently show higher usage among customers making more than $90,000 per year, though the financial oversight department wasn’t able to explain why.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/6c375e67-8c9a-4a39-ae13-9a88c42076fb?src=embed\" title=\"Payday Income\" width=\"800\" height=\"712\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>“Basic necessities, like groceries, rent ... To live life, you have to pay for these things,” Torres said. “Anything that alleviates that economic pressure is helpful to folks.”\u003c/p>\n\u003cp>Lawmakers throughout California have begun establishing pilot programs that would alleviate some of that economic pressure. \u003ca href=\"https://calmatters.org/california-divide/2020/07/coronavirus-pandemic-stockton-guaranteed-income/\">Stockton was the first city\u003c/a> to experiment with guaranteed income for its residents. Compton, Long Beach and Oakland followed suit through the national \u003ca href=\"https://calmatters.org/california-divide/2021/07/universal-basic-income-california/\">Mayors for a Guaranteed Income\u003c/a> effort. California approved its \u003ca href=\"https://calmatters.org/california-divide/2021/07/universal-basic-income-california/\">first guaranteed income program\u003c/a> earlier this month.\u003c/p>\n\u003ch3>\u003cstrong>Little Regulation, High Fees\u003c/strong>\u003c/h3>\n\u003cp>Payday loans are considered some of the most expensive and financially dangerous loans that consumers can use. Experts say that the drop in usage last year is good for Californians, but the industry still lacks the necessary regulation to lower the risk of loans for low-income consumers.\u003c/p>\n\u003cp>California lawmakers have an \u003ca href=\"https://calmatters.org/economy/2018/07/predatory-payday-lending-california/\">extensive history\u003c/a> of attempting to regulate \u003ca href=\"https://calmatters.org/politics/2019/05/will-california-crack-down-predatory-lending-pink-slip-loans/\">predatory lending\u003c/a> in the state, but have failed to enact significant consumer protection from payday loans. The most notable legislation came in 2017, when California began requiring licenses from lenders. The law also capped payday loans at $300, but did not cap annualized interest rates, which averaged a whopping 361% in 2020.\u003c/p>\n\u003cp>In addition to exorbitant interest rates, one of the industry’s major sources of income is fees, especially from people who serially depend on payday loans.\u003c/p>\n\u003cp>A total of $164.7 million in transaction fees — 66% of the industry’s fee income — came from customers who took out seven or more loans in 2020. About 55% of customers opened a new loan the same day their previous loan ended.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/b6024a2f-9e69-44c2-843e-5c12dc447c3e?src=embed\" title=\"Payday Loan Fees\" width=\"800\" height=\"712\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>\u003ca href=\"https://calmatters.org/economy/2018/07/predatory-payday-lending-california/\">After multiple failed efforts in years past\u003c/a> to regulate the industry, California legislators aren’t pursuing major reforms this session to fight the industry. Torres called for continued legislative efforts that would cap interest rates as a way to alleviate what she calls the debt trap.\u003c/p>\n\u003cp>“It is wild to think that a policymaker would see that and say, ‘This is OK. It’s OK for my constituents to live under these circumstances,’ \" Torres said. “When it’s actually in the power of California policymakers to change that.”\u003c/p>\n\u003ch3>\u003cstrong>Payday Loan Alternatives\u003c/strong>\u003c/h3>\n\u003cp>There is evidence that the decrease in payday activity correlates with COVID-19 relief efforts. While there are a number of factors in the decrease, they likely include the distribution of stimulus checks, loan forbearances and growth in alternative financing options. Most commonly known as “early wage access,” the new industry claims it is a safer alternative.\u003c/p>\n\u003cp>The companies lend a portion of a customer’s paycheck through phone applications and don’t charge interest fees. The product is not yet regulated, but the state’s financial oversight agency announced that it will \u003ca href=\"https://dfpi.ca.gov/2021/01/27/the-dfpi-signs-mous-believed-to-be-the-among-the-nations-first-with-earned-wage-access-companies/\">begin surveying\u003c/a> five companies that currently provide the service.\u003c/p>\n\u003cp>The problem with this model, according to Torres, is that there is no direct fee structure. To make a profit, the apps require customers to leave a tip for the service.\u003c/p>\n\u003cp>“Unfortunately, that tip often clouds how much the loan ultimately costs you,” Torres said, adding that some companies go as far as using psychological tactics to encourage customers to leave a large tip.\u003c/p>\n\u003cp>“Customers voiced relief to know our industry was still here for them during the most trying circumstances and we have been proud to be there during this time of need,” Leonard said.\u003c/p>\n\u003cp>Despite last year’s drop in activity, 1.1 million customers borrowed a total of $1.7 billion in payday loans last year, 75% of them returning for at least one more loan within the same year.\u003c/p>\n\u003cp>Torres said that the Center for Responsible Lending is continuing to work with legislators to write bills that would cap interest rates to make payday loans more affordable. Requiring lenders to assess the customer’s ability to pay the loan would also prevent customers from falling into a debt trap, she said.\u003c/p>\n\u003cp>“They act like they are providing this lifesaver to somebody,” Torres said. “That is not a lifesaver. They are tying (customers) down with an anchor.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>This article is part of the \u003ca href=\"https://calmatters.org/projects/california-divide/\">California Divide\u003c/a>, a collaboration among newsrooms examining income inequality and economic survival in California.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11882937/reliance-on-payday-loans-dropped-during-pandemic-but-californians-not-out-of-the-woods","authors":["byline_news_11882937"],"categories":["news_1758","news_8"],"tags":["news_23853","news_20705"],"featImg":"news_11882938","label":"source_news_11882937"},"news_11684428":{"type":"posts","id":"news_11684428","meta":{"index":"posts_1591205157","site":"news","id":"11684428","score":null,"sort":[1533253723000]},"guestAuthors":[],"slug":"once-again-california-lawmakers-wont-crack-down-on-payday-lenders","title":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders","publishDate":1533253723,"format":"standard","headTitle":"CALmatters | KQED News","labelTerm":{},"content":"\u003cp>When phone bank worker Melissa Mendez, age 26, felt financially squeezed a few months ago, she walked into a Cash 1 storefront in Sacramento and took out a payday loan. The annual interest rate: 460 percent.\u003c/p>\n\u003cp>“I was short on cash and needed to pay rent,\" Mendez said.\u003c/p>\n\u003cp>That rate would shock a lot of people. Not Mendez, who once worked behind the counter at an outpost of the lending giant Advance America. She had fielded applications for short-term loans from all sorts of people: seniors needing more money because their Social Security check wasn’t cutting it, people in between jobs and waiting for a first paycheck, and people like herself, lacking enough savings to get to the end of the month.\u003c/p>\n\u003cp>Unlike Mendez, many desperate people don’t know what they’re signing on to — often agreeing to aggressive collection practices, inflexible repayment options and exorbitant interest. “They just point at stuff and walk through it really fast,” she said. “A lot of people just see the money and they don’t see the interest rates.”\u003c/p>\n\u003cp>In California, \u003ca href=\"http://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2014/state-payday-loan-regulation-and-usage-rates\" target=\"_blank\" rel=\"noopener\">1 in 20 people\u003c/a> a year take out a payday loan, amounting to $2.9 billion annually. Payday lending has grown into a multi-billion-dollar industry, fueled by triple-digit interest rates, steep transaction fees and the pervasiveness of its hundreds of stores across the state.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>One Cal State study found California now has \u003ca href=\"http://www.csun.edu/~sg4002/research/mcdonalds_by_state.htm\" target=\"_blank\" rel=\"noopener\">more payday lenders than it does McDonald’s.\u003c/a>\u003c/p>\n\u003cp>Yet while some states ban payday loan storefronts completely or significantly restrict their operations, California is one of 26 states allowing loans with annual percentage rates higher than 391 percent on loans that must be fully repaid within two weeks. Otherwise, borrowers face collection calls, overdrafting their accounts or even a court order when they default.\u003c/p>\n\u003cp>Given the opportunity to crack down on predatory lending, the California Legislature has buried at least five bills intended to curb the practice. These would have capped interest rates on loans, extended repayment time or offered installment plans to borrowers. Among them:\u003c/p>\n\u003cp>• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB3010\" target=\"_blank\" rel=\"noopener\">AB 3010:\u003c/a> Authored in 2018 by Assemblywoman Monique Limón, D-Goleta, it sought to restrict people from taking out more than one payday loan at a time, and proposed creating a database requiring licensed lenders to record their loan transactions. Without the votes, Limón pulled the bill.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB2953\" target=\"_blank\" rel=\"noopener\">AB 2953:\u003c/a> Also authored by Limón in 2018, it aimed to stop lenders from charging more than 36 percent on auto-title loans, also known as pink-slip loans, but failed to secure enough votes to advance in the Senate.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180AB2500\" target=\"_blank\" rel=\"noopener\">AB 2500:\u003c/a> Authored in 2018 by Assemblyman Ash Kalra, D-San Jose, the bill aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It died on the Assembly floor.\u003cbr>\n• \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120SB365\" target=\"_blank\" rel=\"noopener\">SB 365:\u003c/a> Authored by Sen. Alan Lowenthal, D-Long Beach, in 2011, the bill proposed creating a payday loan database, but it also languished.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201320140SB515\" target=\"_blank\" rel=\"noopener\">SB 515:\u003c/a> This 2014 bill by Sen. Hannah-Beth Jackson, D-Santa Barbara, aimed to extend the minimum length of a payday loan and require lenders to offer installment plans, as well as develop a database and cap loans at four per year per borrower. It died in committee.\u003c/p>\n\u003cp>Limón said this year, as in previous years, the billion-dollar lending industry has gotten its way. Both of her bills faced heavy opposition early on, and she refused to make changes that would have mollified the industry.\u003c/p>\n\u003cp>But this year’s effort was “historic” in that it was the first time bills of this sort passed out of their originating houses, she told CALmatters.\u003c/p>\n\u003cp>“We knew this was something that was going to push the envelope, but we felt it was important to introduce this,” Limón said. “So long as there is a problem, I think California will be having a discussion about it.”\u003c/p>\n\u003cp>Among those voting against Limón’s AB 3010 was Assemblyman Kevin Kiley, a Roseville Republican. After questioning the notion of limiting each person to one payday loan, he said creation of a database “seems like quite an undertaking. There’s privacy concerns, apparently issues of reliability, potential liability for the state.”\u003c/p>\n\u003cp>Other states have taken firmer steps in recent years to cut down on predatory lending. New York prohibits payday lending through criminal usury statutes, which outlaw loan interest of 25 percent or more. Arkansas’s state constitution caps rates at 17 percent. Most other states that have a ceiling limit lenders to 36 percent.\u003c/p>\n\u003cp>“[California] needs to innovate in order to bring in lower prices for consumers,” said Nick Bourke, director of consumer finance at Pew Charitable Trusts, which has studied predatory lending nationwide.\u003c/p>\n\u003cp>“Conventional payday loans are not helping them when the problem comes back two weeks later. If credit is going to be part of the solution, the only way is if it’s structured to be installments with affordable rates.”\u003c/p>\n\u003cp>But payday and pink-slip lending companies argue that what might look predatory is in reality just operators in a risky business protecting themselves from customers happy to take their money but sometimes negligent about paying it back.\u003c/p>\n\u003cp>The California Financial Service Providers Association, the industry group that opposed Kalra’s bill, argued that lowering rates would hurt their profit margins and cause them to throttle back on issuing loans — driving consumers into the hands of unregulated lenders and services. The association represents some of the largest payday lenders in the country, including Advance America.\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter wp-image-11684459 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg\" alt=\"\" width=\"800\" height=\"1868\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-160x374.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1020x2382.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-514x1200.jpg 514w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1920x4484.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1180x2756.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-960x2242.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-240x560.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-375x876.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-520x1214.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Advance America operates more than 2,000 stores in the U.S. and since 2004 has spent more than $1 million lobbying in California alone. The company did not respond to requests for comment.\u003c/p>\n\u003cp>“Investors consider the type of lending our member businesses conduct to be high-risk, resulting in a substantial cost for our members to borrow money that they ultimately lend to consumers,” the trade association wrote.\u003c/p>\n\u003cp>\"Additionally, our member businesses are in the communities they service and have significant premise and operating costs. Additionally, labor costs, the cost of underwriting and compliance, the cost of credit reporting and the cost of defaults, all drive up the price of delivering the product to the consumer.”\u003c/p>\n\u003cp>In California, consumers can take out a payday loan of up to $300 — actually only worth $255 when you factor in a $45 fee — that in most cases must be repaid in full in two weeks. But a borrower who can’t make the full payment frequently takes out another loan to keep covering other ongoing costs — and the cycle escalates. In 2016, 83 percent of the 11.5 million payday loans were taken out by a repeat borrower, a practice known as loan stacking.\u003c/p>\n\u003cp>The annual percentage rate, a way of measuring of how much the loan will cost in interest over a year, gives an idea of how much a borrower will end up paying if the loan remains unpaid for one year. So at an annual percentage rate of 460 percent, someone taking out $300 can end up paying back $1,380 in that year, not to mention fees that multiply on each additional loan.\u003c/p>\n\u003cp>So who uses payday loans?\u003c/p>\n\u003cp>Because they don’t require a credit score as prerequisite, they appeal to cash-strapped borrowers who can’t go to a regular bank. Payday lenders require only income and a checking account to hand out these loans.\u003c/p>\n\u003cp>State analysis also\u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\"> found\u003c/a> payday lender storefronts are concentrated in places with high family poverty.\u003c/p>\n\u003cp>“A lot of families in California are suffering from income volatility and lack of emergency savings. California has a very real problem because conventional payday loans are really harming people more than helping people,” Bourke said.\u003c/p>\n\u003cp>More than 60 percent of payday storefronts are located in zip codes with \u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\">higher family poverty rates\u003c/a> than the rest of the state, according to California’s Department of Business Oversight. And nearly half are located where the poverty rate for African-Americans and Latinos is higher than the statewide poverty rate for those groups. Most borrowers make an average annual income between $10,000 to $40,000.\u003c/p>\n\u003cp>The state says the \u003ca href=\"http://www.dbo.ca.gov/Licensees/Payday_Lenders/pdfs/Annual%20Report%20CDDTL%202017%20Final.pdf\" target=\"_blank\" rel=\"noopener\">average\u003c/a> interest rate for payday loan transactions was 377 percent last year — a slight increase over what it was the previous year. Licensed lenders reported collecting $436.4 million in fees — 70 percent of that from borrowers who took out seven or more loans that year.\u003c/p>\n\u003cp>On average, Californians take out a loan of $250, but the often-unaffordable interest rates sometimes corner them into paying a fee to roll into another loan and extend the terms.\u003c/p>\n\u003cp>There are other options if borrowers need quick cash beyond the payday loan amount of $300 — but they come with different risks.\u003c/p>\n\u003cp>In 2013, the state \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Responsible_Small_Dollar_Loans/default.asp\" target=\"_blank\" rel=\"noopener\">created\u003c/a> a small-dollar loan program to regulate loans between $300 and $2,500. The state caps interest on those loans between 20 and 30 percent, but any loan above $2,500 is the “real Wild, Wild West,” said Graciela Aponte-Diaz, California policy director at the Center for Responsible Lending, a nonprofit focused on consumer lending.\u003c/p>\n\u003cp>“Loans between $2,500 to $5,000 have a 100 percent (annual interest rate). It’s detrimental for families who can’t pay it back, and 40 percent default,” she said.\u003c/p>\n\u003cp>The Center for Responsible Lending this year sponsored the Kalra bill, which unsuccessfully aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It recently died on the Assembly floor.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“It has a lot to do with the industry and how much money they’re putting into efforts to killing it,” Aponte-Diaz added. “They hire all the top lobby firms to kill our bills.”\u003c/p>\n\n","blocks":[],"excerpt":"A study found California has more payday lenders than it does McDonald’s, yet the state is one of 26 allowing loans with annual percentage rates higher than 391 percent.","status":"publish","parent":0,"modified":1533253842,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":38,"wordCount":1694},"headData":{"title":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders | KQED","description":"A study found California has more payday lenders than it does McDonald’s, yet the state is one of 26 allowing loans with annual percentage rates higher than 391 percent.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders","datePublished":"2018-08-02T23:48:43.000Z","dateModified":"2018-08-02T23:50:42.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11684428 https://ww2.kqed.org/news/?p=11684428","disqusUrl":"https://ww2.kqed.org/news/2018/08/02/once-again-california-lawmakers-wont-crack-down-on-payday-lenders/","disqusTitle":"Once Again, California Lawmakers Won't Crack Down on Payday Lenders","source":"CALmatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003cstrong>\u003ca href=\"https://calmatters.org/articles/author/antoinette-siu/\">Antoinette Siu\u003c/a>\u003c/strong>\u003cbr/>CALmatters\u003c/br>","path":"/news/11684428/once-again-california-lawmakers-wont-crack-down-on-payday-lenders","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>When phone bank worker Melissa Mendez, age 26, felt financially squeezed a few months ago, she walked into a Cash 1 storefront in Sacramento and took out a payday loan. The annual interest rate: 460 percent.\u003c/p>\n\u003cp>“I was short on cash and needed to pay rent,\" Mendez said.\u003c/p>\n\u003cp>That rate would shock a lot of people. Not Mendez, who once worked behind the counter at an outpost of the lending giant Advance America. She had fielded applications for short-term loans from all sorts of people: seniors needing more money because their Social Security check wasn’t cutting it, people in between jobs and waiting for a first paycheck, and people like herself, lacking enough savings to get to the end of the month.\u003c/p>\n\u003cp>Unlike Mendez, many desperate people don’t know what they’re signing on to — often agreeing to aggressive collection practices, inflexible repayment options and exorbitant interest. “They just point at stuff and walk through it really fast,” she said. “A lot of people just see the money and they don’t see the interest rates.”\u003c/p>\n\u003cp>In California, \u003ca href=\"http://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2014/state-payday-loan-regulation-and-usage-rates\" target=\"_blank\" rel=\"noopener\">1 in 20 people\u003c/a> a year take out a payday loan, amounting to $2.9 billion annually. Payday lending has grown into a multi-billion-dollar industry, fueled by triple-digit interest rates, steep transaction fees and the pervasiveness of its hundreds of stores across the state.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>One Cal State study found California now has \u003ca href=\"http://www.csun.edu/~sg4002/research/mcdonalds_by_state.htm\" target=\"_blank\" rel=\"noopener\">more payday lenders than it does McDonald’s.\u003c/a>\u003c/p>\n\u003cp>Yet while some states ban payday loan storefronts completely or significantly restrict their operations, California is one of 26 states allowing loans with annual percentage rates higher than 391 percent on loans that must be fully repaid within two weeks. Otherwise, borrowers face collection calls, overdrafting their accounts or even a court order when they default.\u003c/p>\n\u003cp>Given the opportunity to crack down on predatory lending, the California Legislature has buried at least five bills intended to curb the practice. These would have capped interest rates on loans, extended repayment time or offered installment plans to borrowers. Among them:\u003c/p>\n\u003cp>• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB3010\" target=\"_blank\" rel=\"noopener\">AB 3010:\u003c/a> Authored in 2018 by Assemblywoman Monique Limón, D-Goleta, it sought to restrict people from taking out more than one payday loan at a time, and proposed creating a database requiring licensed lenders to record their loan transactions. Without the votes, Limón pulled the bill.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB2953\" target=\"_blank\" rel=\"noopener\">AB 2953:\u003c/a> Also authored by Limón in 2018, it aimed to stop lenders from charging more than 36 percent on auto-title loans, also known as pink-slip loans, but failed to secure enough votes to advance in the Senate.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180AB2500\" target=\"_blank\" rel=\"noopener\">AB 2500:\u003c/a> Authored in 2018 by Assemblyman Ash Kalra, D-San Jose, the bill aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It died on the Assembly floor.\u003cbr>\n• \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120SB365\" target=\"_blank\" rel=\"noopener\">SB 365:\u003c/a> Authored by Sen. Alan Lowenthal, D-Long Beach, in 2011, the bill proposed creating a payday loan database, but it also languished.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201320140SB515\" target=\"_blank\" rel=\"noopener\">SB 515:\u003c/a> This 2014 bill by Sen. Hannah-Beth Jackson, D-Santa Barbara, aimed to extend the minimum length of a payday loan and require lenders to offer installment plans, as well as develop a database and cap loans at four per year per borrower. It died in committee.\u003c/p>\n\u003cp>Limón said this year, as in previous years, the billion-dollar lending industry has gotten its way. Both of her bills faced heavy opposition early on, and she refused to make changes that would have mollified the industry.\u003c/p>\n\u003cp>But this year’s effort was “historic” in that it was the first time bills of this sort passed out of their originating houses, she told CALmatters.\u003c/p>\n\u003cp>“We knew this was something that was going to push the envelope, but we felt it was important to introduce this,” Limón said. “So long as there is a problem, I think California will be having a discussion about it.”\u003c/p>\n\u003cp>Among those voting against Limón’s AB 3010 was Assemblyman Kevin Kiley, a Roseville Republican. After questioning the notion of limiting each person to one payday loan, he said creation of a database “seems like quite an undertaking. There’s privacy concerns, apparently issues of reliability, potential liability for the state.”\u003c/p>\n\u003cp>Other states have taken firmer steps in recent years to cut down on predatory lending. New York prohibits payday lending through criminal usury statutes, which outlaw loan interest of 25 percent or more. Arkansas’s state constitution caps rates at 17 percent. Most other states that have a ceiling limit lenders to 36 percent.\u003c/p>\n\u003cp>“[California] needs to innovate in order to bring in lower prices for consumers,” said Nick Bourke, director of consumer finance at Pew Charitable Trusts, which has studied predatory lending nationwide.\u003c/p>\n\u003cp>“Conventional payday loans are not helping them when the problem comes back two weeks later. If credit is going to be part of the solution, the only way is if it’s structured to be installments with affordable rates.”\u003c/p>\n\u003cp>But payday and pink-slip lending companies argue that what might look predatory is in reality just operators in a risky business protecting themselves from customers happy to take their money but sometimes negligent about paying it back.\u003c/p>\n\u003cp>The California Financial Service Providers Association, the industry group that opposed Kalra’s bill, argued that lowering rates would hurt their profit margins and cause them to throttle back on issuing loans — driving consumers into the hands of unregulated lenders and services. The association represents some of the largest payday lenders in the country, including Advance America.\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter wp-image-11684459 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg\" alt=\"\" width=\"800\" height=\"1868\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-160x374.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1020x2382.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-514x1200.jpg 514w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1920x4484.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-1180x2756.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-960x2242.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-240x560.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-375x876.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/borrowing-in-california-520x1214.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Advance America operates more than 2,000 stores in the U.S. and since 2004 has spent more than $1 million lobbying in California alone. The company did not respond to requests for comment.\u003c/p>\n\u003cp>“Investors consider the type of lending our member businesses conduct to be high-risk, resulting in a substantial cost for our members to borrow money that they ultimately lend to consumers,” the trade association wrote.\u003c/p>\n\u003cp>\"Additionally, our member businesses are in the communities they service and have significant premise and operating costs. Additionally, labor costs, the cost of underwriting and compliance, the cost of credit reporting and the cost of defaults, all drive up the price of delivering the product to the consumer.”\u003c/p>\n\u003cp>In California, consumers can take out a payday loan of up to $300 — actually only worth $255 when you factor in a $45 fee — that in most cases must be repaid in full in two weeks. But a borrower who can’t make the full payment frequently takes out another loan to keep covering other ongoing costs — and the cycle escalates. In 2016, 83 percent of the 11.5 million payday loans were taken out by a repeat borrower, a practice known as loan stacking.\u003c/p>\n\u003cp>The annual percentage rate, a way of measuring of how much the loan will cost in interest over a year, gives an idea of how much a borrower will end up paying if the loan remains unpaid for one year. So at an annual percentage rate of 460 percent, someone taking out $300 can end up paying back $1,380 in that year, not to mention fees that multiply on each additional loan.\u003c/p>\n\u003cp>So who uses payday loans?\u003c/p>\n\u003cp>Because they don’t require a credit score as prerequisite, they appeal to cash-strapped borrowers who can’t go to a regular bank. Payday lenders require only income and a checking account to hand out these loans.\u003c/p>\n\u003cp>State analysis also\u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\"> found\u003c/a> payday lender storefronts are concentrated in places with high family poverty.\u003c/p>\n\u003cp>“A lot of families in California are suffering from income volatility and lack of emergency savings. California has a very real problem because conventional payday loans are really harming people more than helping people,” Bourke said.\u003c/p>\n\u003cp>More than 60 percent of payday storefronts are located in zip codes with \u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\">higher family poverty rates\u003c/a> than the rest of the state, according to California’s Department of Business Oversight. And nearly half are located where the poverty rate for African-Americans and Latinos is higher than the statewide poverty rate for those groups. Most borrowers make an average annual income between $10,000 to $40,000.\u003c/p>\n\u003cp>The state says the \u003ca href=\"http://www.dbo.ca.gov/Licensees/Payday_Lenders/pdfs/Annual%20Report%20CDDTL%202017%20Final.pdf\" target=\"_blank\" rel=\"noopener\">average\u003c/a> interest rate for payday loan transactions was 377 percent last year — a slight increase over what it was the previous year. Licensed lenders reported collecting $436.4 million in fees — 70 percent of that from borrowers who took out seven or more loans that year.\u003c/p>\n\u003cp>On average, Californians take out a loan of $250, but the often-unaffordable interest rates sometimes corner them into paying a fee to roll into another loan and extend the terms.\u003c/p>\n\u003cp>There are other options if borrowers need quick cash beyond the payday loan amount of $300 — but they come with different risks.\u003c/p>\n\u003cp>In 2013, the state \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Responsible_Small_Dollar_Loans/default.asp\" target=\"_blank\" rel=\"noopener\">created\u003c/a> a small-dollar loan program to regulate loans between $300 and $2,500. The state caps interest on those loans between 20 and 30 percent, but any loan above $2,500 is the “real Wild, Wild West,” said Graciela Aponte-Diaz, California policy director at the Center for Responsible Lending, a nonprofit focused on consumer lending.\u003c/p>\n\u003cp>“Loans between $2,500 to $5,000 have a 100 percent (annual interest rate). It’s detrimental for families who can’t pay it back, and 40 percent default,” she said.\u003c/p>\n\u003cp>The Center for Responsible Lending this year sponsored the Kalra bill, which unsuccessfully aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It recently died on the Assembly floor.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“It has a lot to do with the industry and how much money they’re putting into efforts to killing it,” Aponte-Diaz added. “They hire all the top lobby firms to kill our bills.”\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11684428/once-again-california-lawmakers-wont-crack-down-on-payday-lenders","authors":["byline_news_11684428"],"categories":["news_1758","news_6188","news_8","news_13"],"tags":["news_23853","news_20705","news_20704"],"affiliates":["news_18481"],"featImg":"news_11684460","label":"source_news_11684428"},"news_11621279":{"type":"posts","id":"news_11621279","meta":{"index":"posts_1591205157","site":"news","id":"11621279","score":null,"sort":[1507320621000]},"guestAuthors":[],"slug":"new-payday-lending-rules-will-require-proof-of-ability-to-pay","title":"New Payday Lending Rules Will Require Proof of Ability to Pay","publishDate":1507320621,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>Payday and car-title lenders must issue loans only to consumers who demonstrate they can afford them, much like banks and other financial institutions do, according to a nationwide rule issued this week by the Consumer Financial Protection Bureau (CFPB).\u003c/p>\n\u003cp>The new rule, which applies to loans that require all or most of the debt to be paid at once, will force lenders to check a borrower's ability to repay a loan — and still meet basic living expenses — before issuing that credit.\u003c/p>\n\u003cp>Bay Area lawmakers and California Attorney General Xavier Becerra welcomed the new regulations, which do not go into effect until the summer of 2019.\u003c/p>\n\u003cp>“I applaud the Consumer Financial Protection Bureau for taking action today to rein in abusive payday loan vendors,\" said Becerra in a statement. \"Sadly, many of these businesses make money by preying on the most vulnerable — hardworking men and women, families with young children, seniors, and people with disabilities.\"\u003c/p>\n\u003cp>Borrowers often give permission to payday lenders to take repayments straight from their bank accounts. But lenders can charge payments even when the account is empty, which can rack up overdraft fees for the consumer. The CFPB's new rule will also limit a lender's ability to dip into a borrower's bank account after two unsuccessful attempts, a move that could help consumers avoid those overdraft fees.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>A statewide industry group, the California Financial Service Providers Association, countered that the CFPB's decision will deprive millions of Americans of their right to \"quick and affordable credit.\"\u003c/p>\n\u003cp>\"We believe this rule will be devastating to consumers seeking access to credit, thereby causing irreversible harm to the very Americans the CFPB purports to help,\" said Thomas Leonard, executive director of the association, which represents dozens of payday and other non-bank lenders statewide.\u003c/p>\n\u003cp>Consumer advocates anticipate the alternative loan industry might fight back with lawsuits and extensive lobbying in Congress to prevent the new regulations from going into effect. But they said most Americans support implementing these reforms.\u003c/p>\n\u003cp>A\u003ca href=\"http://www.responsiblelending.org/media/poll-strong-bipartisan-support-reining-abusive-payday-lenders\" target=\"_blank\" rel=\"noopener\"> 2015 poll\u003c/a> sponsored by the Center for Responsible Lending found 78 percent of respondents, including 80 percent of Republicans, support requiring payday lenders to issue a loan only after determining the borrower can pay it back.\u003c/p>\n\u003cp>In California, seniors have become the largest group of borrowers for payday loans, which had an average annual interest rate of 372 percent last year, according a recent \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2017/Release%20-%202016%20payday%20loans%20report%207-5-17%20-%20final.pdf\" target=\"_blank\" rel=\"noopener\">report\u003c/a> by the state's Department of Business Oversight.\u003c/p>\n\u003cp>The CFPB said the new regulations aim to aim to stop \"payday debt traps\" that are often marketed to financially vulnerable communities.\u003c/p>\n\u003cp>Many payday loan customers have to borrow again in order to pay the original loan amount. More than four out of five payday loans are re-borrowed because payments are too expensive for cash-strapped consumers, according to the agency.\u003c/p>\n\u003cp>\"Too often, borrowers who need quick cash end up trapped in loans they can't afford,\" said CFPB Director Richard Cordray. \"The rule's common sense ability-to-repay protections prevent lenders from succeeding by setting up borrowers to fail.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The consumer watchdog and its director have been under attack by Republican lawmakers in Congress. Representative Jeb Hensarling (R-TX), who chairs the House Financial Services Committee, has accused the agency of overstepping its authority and Cordray of using this payday rule for political gain.\u003c/p>\n\n","blocks":[],"excerpt":"Payday and car-title lenders must now check a borrower's ability to repay before issuing a loan. ","status":"publish","parent":0,"modified":1507330952,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":573},"headData":{"title":"New Payday Lending Rules Will Require Proof of Ability to Pay | KQED","description":"Payday and car-title lenders must now check a borrower's ability to repay before issuing a loan. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"New Payday Lending Rules Will Require Proof of Ability to Pay","datePublished":"2017-10-06T20:10:21.000Z","dateModified":"2017-10-06T23:02:32.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11621279 https://ww2.kqed.org/news/?p=11621279","disqusUrl":"https://ww2.kqed.org/news/2017/10/06/new-payday-lending-rules-will-require-proof-of-ability-to-pay/","disqusTitle":"New Payday Lending Rules Will Require Proof of Ability to Pay","path":"/news/11621279/new-payday-lending-rules-will-require-proof-of-ability-to-pay","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Payday and car-title lenders must issue loans only to consumers who demonstrate they can afford them, much like banks and other financial institutions do, according to a nationwide rule issued this week by the Consumer Financial Protection Bureau (CFPB).\u003c/p>\n\u003cp>The new rule, which applies to loans that require all or most of the debt to be paid at once, will force lenders to check a borrower's ability to repay a loan — and still meet basic living expenses — before issuing that credit.\u003c/p>\n\u003cp>Bay Area lawmakers and California Attorney General Xavier Becerra welcomed the new regulations, which do not go into effect until the summer of 2019.\u003c/p>\n\u003cp>“I applaud the Consumer Financial Protection Bureau for taking action today to rein in abusive payday loan vendors,\" said Becerra in a statement. \"Sadly, many of these businesses make money by preying on the most vulnerable — hardworking men and women, families with young children, seniors, and people with disabilities.\"\u003c/p>\n\u003cp>Borrowers often give permission to payday lenders to take repayments straight from their bank accounts. But lenders can charge payments even when the account is empty, which can rack up overdraft fees for the consumer. The CFPB's new rule will also limit a lender's ability to dip into a borrower's bank account after two unsuccessful attempts, a move that could help consumers avoid those overdraft fees.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>A statewide industry group, the California Financial Service Providers Association, countered that the CFPB's decision will deprive millions of Americans of their right to \"quick and affordable credit.\"\u003c/p>\n\u003cp>\"We believe this rule will be devastating to consumers seeking access to credit, thereby causing irreversible harm to the very Americans the CFPB purports to help,\" said Thomas Leonard, executive director of the association, which represents dozens of payday and other non-bank lenders statewide.\u003c/p>\n\u003cp>Consumer advocates anticipate the alternative loan industry might fight back with lawsuits and extensive lobbying in Congress to prevent the new regulations from going into effect. But they said most Americans support implementing these reforms.\u003c/p>\n\u003cp>A\u003ca href=\"http://www.responsiblelending.org/media/poll-strong-bipartisan-support-reining-abusive-payday-lenders\" target=\"_blank\" rel=\"noopener\"> 2015 poll\u003c/a> sponsored by the Center for Responsible Lending found 78 percent of respondents, including 80 percent of Republicans, support requiring payday lenders to issue a loan only after determining the borrower can pay it back.\u003c/p>\n\u003cp>In California, seniors have become the largest group of borrowers for payday loans, which had an average annual interest rate of 372 percent last year, according a recent \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2017/Release%20-%202016%20payday%20loans%20report%207-5-17%20-%20final.pdf\" target=\"_blank\" rel=\"noopener\">report\u003c/a> by the state's Department of Business Oversight.\u003c/p>\n\u003cp>The CFPB said the new regulations aim to aim to stop \"payday debt traps\" that are often marketed to financially vulnerable communities.\u003c/p>\n\u003cp>Many payday loan customers have to borrow again in order to pay the original loan amount. More than four out of five payday loans are re-borrowed because payments are too expensive for cash-strapped consumers, according to the agency.\u003c/p>\n\u003cp>\"Too often, borrowers who need quick cash end up trapped in loans they can't afford,\" said CFPB Director Richard Cordray. \"The rule's common sense ability-to-repay protections prevent lenders from succeeding by setting up borrowers to fail.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The consumer watchdog and its director have been under attack by Republican lawmakers in Congress. Representative Jeb Hensarling (R-TX), who chairs the House Financial Services Committee, has accused the agency of overstepping its authority and Cordray of using this payday rule for political gain.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11621279/new-payday-lending-rules-will-require-proof-of-ability-to-pay","authors":["8659"],"programs":["news_6944","news_72"],"categories":["news_1758","news_8","news_13"],"tags":["news_21650","news_20705"],"featImg":"news_11621346","label":"news_72"},"news_11371178":{"type":"posts","id":"news_11371178","meta":{"index":"posts_1591205157","site":"news","id":"11371178","score":null,"sort":[1490309725000]},"guestAuthors":[],"slug":"california-lawmaker-proposes-to-curb-high-interest-loans","title":"California Lawmaker Proposes to Curb High-Interest Loans","publishDate":1490309725,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\u003cstrong>Update June 1, 11:10\u003c/strong> \u003cstrong>a.m\u003c/strong>: After revisions, the latest proposal aimed to limit interest rates on consumer loans of up to $5,000. That bill, which faced stiff opposition from the Online Lenders Alliance and other financial services providers, died last week without reaching the Assembly floor for debate. \"I’m going to regroup with consumer advocates and those that seek to protect the victims of this type of predatory lending,\" said Assemblyman Ash Kalra (D-San Jose).\u003c/p>\n\u003cp>\u003cstrong>Original Story:\u003c/strong>\u003c/p>\n\u003cp>Christmas was nearing and Connie Davis, a shuttle bus driver from East Palo Alto, wanted to buy presents for her children: a basketball, video games and shoes.\u003c/p>\n\u003cp>Her employer didn't require her services during the two-week holiday break when shuttle clients at major tech companies close. That meant Davis, an hourly employee, would not be paid during that time. She didn't have much money left, or a credit card to get by.\u003c/p>\n\u003cp>\"I was desperate for help,\" said Davis, 53, the single breadwinner for her two teenagers.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>She decided to call a lender whose advertisements she'd heard on the radio and apply for a $1,000 loan. The company's representative told Davis that she qualified for more than double that amount.\u003c/p>\n\u003cp>\"I was like 'wow!' I was excited, so I went for it,\" said Davis, adding that the extra funds would be handy to catch up on utility bills and rent. She clicked through the contract online, with the representative speaking with her via phone.\u003c/p>\n\u003cp>Later, Davis realized her $2,600 loan had an annual interest rate of 200 percent. If she completed the four-year repayment plan, she would have paid about $20,000.\u003c/p>\n\u003cp>California limits interest rates for consumer loans under $2,500. But larger loans, like the one that Davis got, have no such limits.\u003c/p>\n\u003cp>Assemblyman Ash Kalra (D-San Jose) wants to put interest rate restrictions on bigger loans as well. His \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB1109\" target=\"_blank\" rel=\"noopener noreferrer\">AB 1109\u003c/a> would limit the annual interest rate to 24 percent on loans between $2,500 and $10,000.\u003c/p>\n\u003cp>Kalra said the intent of his bill is to protect low-income families who end up getting this type of financing to cover an immediate expense, like car repairs or hospital bills.\u003c/p>\n\u003cp>\"Families are already going through crisis when they come forward asking for these loans,\" said Kalra, a former City Council member who pushed for greater regulation of payday lenders in San Jose.\u003c/p>\n\u003cp>\"We should not allow for an additional crisis to be placed upon these families by putting them on a downward spiral of debt,\" he said.\u003c/p>\n\u003cp>In 2014, when Davis signed up for her loan, non-bank companies provided more than 250,000 loans to consumers with interest rates of 100 percent or higher, according to \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Publications.asp\" target=\"_blank\" rel=\"noopener noreferrer\">figures\u003c/a> by the California Department of Business Oversight. That number jumped to nearly 330,000 in 2015.\u003c/p>\n\u003cp>The California Financial Service Providers Association, which represents businesses that offer consumer loans and check cashing, argues that their industry provides important access to credit.\u003c/p>\n\u003cp>\"We believe all California consumers, particularly those in underbanked communities or stuck in a credit gap, should have maximum flexibility to make their own choices and enjoy access to a broad and responsible range of financial services,\" Thomas Leonard, executive director of the California Financial Service Providers Association, wrote in a statement.\u003c/p>\n\u003cp>The association does not represent LoanMe Inc., the Southern California-based company that originated Connie Davis' loan.\u003c/p>\n\u003cp>LoanMe representatives did not return phone calls and emails requesting comment. But non-bank lenders have argued that flexible interest rates are necessary because borrowers' credit ratings are low and default rates are high.\u003c/p>\n\u003cp>\"Arbitrary interest rate caps like the one proposed harm those who already have the hardest time accessing credit,\" said Lisa McGreevy, president of the Online Lenders Alliance, a national trade association.\u003c/p>\n\u003cp>Juliana Fredman, an attorney at Bay Area Legal Aid, represents low-income consumers on debt collection cases. She said typically her clients, like Davis, don't fully understand the terms of the loans they signed up for and can't keep up with payments.\u003c/p>\n\u003cp>\"There’s a lot of stress and a lot of shame, and also concrete issues around credit which can impact housing and their ability to get loans at a more reasonable rate,\" said Fredman, a professor at UC Hastings School of Law.\u003c/p>\n\u003cp>For Connie Davis, the experience has been so embarrassing she hasn't discussed it with family and friends.\u003c/p>\n\u003cp>\"I was blindsided,\" said Davis, whose credit score took a further hit after she was unable to pay her rent and keep up with the loan's monthly payments of over $400. \"If I knew upfront that I would be paying a total of $20,000, I wouldn’t have signed that paper.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>A class-action lawsuit against another lender, CashCall Inc., is currently making its way through the U.S. 9th Circuit Court of Appeals in San Francisco. The plaintiffs allege that CashCall's loans of $2,600, with interest rates between 96 percent to 135 percent, are \"unconscionable,\" said Steven Tindall, one of the attorneys in the case.\u003c/p>\n\n","blocks":[],"excerpt":"The bill aims to end triple-digit interest rates for borrowers. Non-bank lenders argue more regulation will cut off credit for low-income consumers.","status":"publish","parent":0,"modified":1505243847,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":26,"wordCount":902},"headData":{"title":"California Lawmaker Proposes to Curb High-Interest Loans | KQED","description":"The bill aims to end triple-digit interest rates for borrowers. Non-bank lenders argue more regulation will cut off credit for low-income consumers.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Lawmaker Proposes to Curb High-Interest Loans","datePublished":"2017-03-23T22:55:25.000Z","dateModified":"2017-09-12T19:17:27.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11371178 https://ww2.kqed.org/news/?p=11371178","disqusUrl":"https://ww2.kqed.org/news/2017/03/23/california-lawmaker-proposes-to-curb-high-interest-loans/","disqusTitle":"California Lawmaker Proposes to Curb High-Interest Loans","path":"/news/11371178/california-lawmaker-proposes-to-curb-high-interest-loans","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cstrong>Update June 1, 11:10\u003c/strong> \u003cstrong>a.m\u003c/strong>: After revisions, the latest proposal aimed to limit interest rates on consumer loans of up to $5,000. That bill, which faced stiff opposition from the Online Lenders Alliance and other financial services providers, died last week without reaching the Assembly floor for debate. \"I’m going to regroup with consumer advocates and those that seek to protect the victims of this type of predatory lending,\" said Assemblyman Ash Kalra (D-San Jose).\u003c/p>\n\u003cp>\u003cstrong>Original Story:\u003c/strong>\u003c/p>\n\u003cp>Christmas was nearing and Connie Davis, a shuttle bus driver from East Palo Alto, wanted to buy presents for her children: a basketball, video games and shoes.\u003c/p>\n\u003cp>Her employer didn't require her services during the two-week holiday break when shuttle clients at major tech companies close. That meant Davis, an hourly employee, would not be paid during that time. She didn't have much money left, or a credit card to get by.\u003c/p>\n\u003cp>\"I was desperate for help,\" said Davis, 53, the single breadwinner for her two teenagers.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>She decided to call a lender whose advertisements she'd heard on the radio and apply for a $1,000 loan. The company's representative told Davis that she qualified for more than double that amount.\u003c/p>\n\u003cp>\"I was like 'wow!' I was excited, so I went for it,\" said Davis, adding that the extra funds would be handy to catch up on utility bills and rent. She clicked through the contract online, with the representative speaking with her via phone.\u003c/p>\n\u003cp>Later, Davis realized her $2,600 loan had an annual interest rate of 200 percent. If she completed the four-year repayment plan, she would have paid about $20,000.\u003c/p>\n\u003cp>California limits interest rates for consumer loans under $2,500. But larger loans, like the one that Davis got, have no such limits.\u003c/p>\n\u003cp>Assemblyman Ash Kalra (D-San Jose) wants to put interest rate restrictions on bigger loans as well. His \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB1109\" target=\"_blank\" rel=\"noopener noreferrer\">AB 1109\u003c/a> would limit the annual interest rate to 24 percent on loans between $2,500 and $10,000.\u003c/p>\n\u003cp>Kalra said the intent of his bill is to protect low-income families who end up getting this type of financing to cover an immediate expense, like car repairs or hospital bills.\u003c/p>\n\u003cp>\"Families are already going through crisis when they come forward asking for these loans,\" said Kalra, a former City Council member who pushed for greater regulation of payday lenders in San Jose.\u003c/p>\n\u003cp>\"We should not allow for an additional crisis to be placed upon these families by putting them on a downward spiral of debt,\" he said.\u003c/p>\n\u003cp>In 2014, when Davis signed up for her loan, non-bank companies provided more than 250,000 loans to consumers with interest rates of 100 percent or higher, according to \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Publications.asp\" target=\"_blank\" rel=\"noopener noreferrer\">figures\u003c/a> by the California Department of Business Oversight. That number jumped to nearly 330,000 in 2015.\u003c/p>\n\u003cp>The California Financial Service Providers Association, which represents businesses that offer consumer loans and check cashing, argues that their industry provides important access to credit.\u003c/p>\n\u003cp>\"We believe all California consumers, particularly those in underbanked communities or stuck in a credit gap, should have maximum flexibility to make their own choices and enjoy access to a broad and responsible range of financial services,\" Thomas Leonard, executive director of the California Financial Service Providers Association, wrote in a statement.\u003c/p>\n\u003cp>The association does not represent LoanMe Inc., the Southern California-based company that originated Connie Davis' loan.\u003c/p>\n\u003cp>LoanMe representatives did not return phone calls and emails requesting comment. But non-bank lenders have argued that flexible interest rates are necessary because borrowers' credit ratings are low and default rates are high.\u003c/p>\n\u003cp>\"Arbitrary interest rate caps like the one proposed harm those who already have the hardest time accessing credit,\" said Lisa McGreevy, president of the Online Lenders Alliance, a national trade association.\u003c/p>\n\u003cp>Juliana Fredman, an attorney at Bay Area Legal Aid, represents low-income consumers on debt collection cases. She said typically her clients, like Davis, don't fully understand the terms of the loans they signed up for and can't keep up with payments.\u003c/p>\n\u003cp>\"There’s a lot of stress and a lot of shame, and also concrete issues around credit which can impact housing and their ability to get loans at a more reasonable rate,\" said Fredman, a professor at UC Hastings School of Law.\u003c/p>\n\u003cp>For Connie Davis, the experience has been so embarrassing she hasn't discussed it with family and friends.\u003c/p>\n\u003cp>\"I was blindsided,\" said Davis, whose credit score took a further hit after she was unable to pay her rent and keep up with the loan's monthly payments of over $400. \"If I knew upfront that I would be paying a total of $20,000, I wouldn’t have signed that paper.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>A class-action lawsuit against another lender, CashCall Inc., is currently making its way through the U.S. 9th Circuit Court of Appeals in San Francisco. The plaintiffs allege that CashCall's loans of $2,600, with interest rates between 96 percent to 135 percent, are \"unconscionable,\" said Steven Tindall, one of the attorneys in the case.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11371178/california-lawmaker-proposes-to-curb-high-interest-loans","authors":["8659"],"programs":["news_6944","news_72"],"categories":["news_1758","news_6188"],"tags":["news_4032","news_20705","news_20704"],"featImg":"news_11372539","label":"news_72"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. 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And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. 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