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Known as “fintech,” these loans are often — though not always — \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3677283\">replete with high-interest rates that pile on debt\u003c/a>.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Rawan Elhalaby, Greenling Institute\"]'Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it.'[/pullquote]\u003c/p>\n\u003cp>Rawan Elhalaby, the report’s author, says stronger federal regulations are needed to compel traditional banks to serve Black and Latino communities.\u003c/p>\n\u003cp>“Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it,” said Elhalaby, a program manager at the Greenlining Institute, a racial and economic justice policy group.\u003c/p>\n\u003cp>The group used mortgage data collected under the Home Mortgage Disclosure Act, passed by Congress in 1975, to analyze lending patterns in six major metropolitan areas across California.\u003c/p>\n\u003cp>For instance, in the Oakland-Berkeley-Livermore metropolitan area, encompassing 2.8 million people, the Black population makes up 9.4% of the population, but were awarded only 4% of all home purchase loans in 2019, it found.\u003c/p>\n\u003cp>That disparity is even more extreme among Latinos in the same region, who represent 23.7% of the population, but were awarded only 10.8% of home-buying loans last year.\u003c/p>\n\u003cp>Across the bay, in the San Francisco-San Mateo-Redwood City metropolitan area of roughly 1.6 million people, Black people make up 3.6% of the population, but they netted just 78 home-purchasing loans in 2019, or 0.73% of all loans awarded.\u003c/p>\n\u003cp>Meanwhile, white people, who make up over 39% of that region, were awarded about 4,200 home-buying loans in 2019, a rate roughly proportionate to their population.\u003c/p>\n\u003cp>The report recommends the following series of steps to improve equity in awarding home loans:\u003c/p>\n\u003cul>\n\u003cli>For banks to create more loan products and extend access and outreach in lower-income and immigrant communities;\u003c/li>\n\u003cli>For banks to increase their branch presence in rural communities and communities of color;\u003c/li>\n\u003cli>For communities to better fund nonprofits led by people of color to support homeownership counseling;\u003c/li>\n\u003cli>And for federal reform to strengthen the Home Mortgage Disclosure Act and other regulations to make more loans available to households in low- and moderate-income communities.\u003c/li>\n\u003c/ul>\n\u003cp>Elhalaby’s said her parents, who emigrated from Palestine to San Diego in 1989, benefited from working with culturally competent banks. There is a prevalence of Arabic-speaking bank tellers among Wells Fargo branches in that city, which Elhalaby said was key to her parents securing a home loan when she was a teenager.\u003c/p>\n\u003cp>“That was kind of a game changer,” she said. “There was someone that [could] really explain the whole system, like anything that they signed. They felt confident that they knew what they were getting into.”\u003c/p>\n\u003cp>There is a similar dynamic playing out across the most recent loan data, Elhalaby said. Asian communities in California — and the Chinese community in particular — receive home loans at rates similar to those of white people, a factor due largely to bank access, Elhalaby said.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>There are many culturally competent banks serving Asian communities in the Bay Area. East West Bank, for instance, has tellers who speak Cantonese and Mandarin, and are located in key Chinese neighborhoods like Oakland’s Chinatown or San Francisco’s Irving Street. Their website lists the languages spoken at each branch.\u003c/p>\n\u003cp>That points a way forward to increase banking access in Latino communities, with more Spanish-speaking tellers who can offer loan services targeted to their specific needs. Doing so may mean structuring loans in a way that allows multiple family members to contribute financially to buying a home, for instance, which is more common in immigrant communities, Elhalaby said.\u003c/p>\n\u003cp>Women of color face some of the greatest disparities in getting home loans in California: They make up 30% of the state's population but net just 7% of all home-buying loans, the report found.\u003c/p>\n\u003cp>Women of color are often the sole supporters of their extended families and are likely to be entrepreneurs, Elhalaby said. So “creative underwriting” that acknowledges the many payment obligations they have, may make home loans more accessible.\u003c/p>\n\u003cp>While language access isn’t necessarily an issue in California’s Black communities, bank access often is, the report found. It suggests they would be better served if banks opened more branches in those communities and offered more home-buying counseling.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"home-loans\"] That’s old news to Nikki Beasley, executive director of Richmond Neighborhood Housing Services, which largely serves Black communities in Oakland and Richmond. The organization \u003ca href=\"http://www.richmondnhs.org/programs#164\">hosts homebuyer workshops\u003c/a> and tries to clear up common misconceptions among many first-time homebuyers.\u003c/p>\n\u003cp>“People tend to be comfortable in the community they live,” she said. But as a former banker herself, Beasley says there is sometimes “bias” in the lending process. “I will admit, as bankers, you tend to assess based on what people look like, how they dress,” she said, noting that those judgements can be made inadvertently.\u003c/p>\n\u003cp>Placing more bank branches in traditionally underserved communities with employees from those communities can reduce that bias, Beasley said.\u003c/p>\n\u003cp>With scarce access to loans from traditional banks, Beasley worries Black homebuyers with less income may face dauntingly steep interest rates — sometimes as high as 30% — from fintech loans.\u003c/p>\n\u003cp>People still say yes to that raw deal because it’s their only option, she said.\u003c/p>\n\u003cp>“Typically, that, in my mind, is a predatory practice because they are targeting people that may not be able to get this particular loan or offer because of poor credit, overutilization of debt, or low income,” Beasley said.\u003c/p>\n\u003cp>To counter that, Beasley said her organization helped over 100 first-time homebuyers in her community in 2020 alone, putting her organization on track to secure about the same number of loans they closed in 2019.\u003c/p>\n\u003cp>“We bring information to individuals, keep them encouraged and motivated,” Beasley said. “Because — there is a way.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Black and Latino homebuyers across California are awarded fewer loans from banks than other groups, even when taking into account population and income, according to a new report.\r\n","status":"publish","parent":0,"modified":1606351061,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":30,"wordCount":1098},"headData":{"title":"Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds | KQED","description":"Black and Latino homebuyers across California are awarded fewer loans from banks than other groups, even when taking into account population and income, according to a new report.\r\n","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11848754 https://ww2.kqed.org/news/?p=11848754","disqusUrl":"https://ww2.kqed.org/news/2020/11/25/black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds/","disqusTitle":"Black and Latino Homebuyers in California Receive Disproportionately Fewer Bank Loans, New Report Finds","path":"/news/11848754/black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Black and Latino homebuyers across California have far less access to loans from banks than do other groups, \u003ca href=\"https://greenlining.org/publications/2020/home-lending-to-communities-of-color-in-california/\">according to a new report released Tuesday\u003c/a> by the Greenlining Institute.\u003c/p>\n\u003cp>Those disparities persist even when taking into account population and income, the Oakland-based group found.\u003c/p>\n\u003cp>And in the absence of bank loans, many Black and Latino homebuyers turn to non-bank lending options. Known as “fintech,” these loans are often — though not always — \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3677283\">replete with high-interest rates that pile on debt\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it.'","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Rawan Elhalaby, Greenling Institute","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Rawan Elhalaby, the report’s author, says stronger federal regulations are needed to compel traditional banks to serve Black and Latino communities.\u003c/p>\n\u003cp>“Nobody is telling them you have to lend to people of color, and until it makes more financial sense for them, they will not do it,” said Elhalaby, a program manager at the Greenlining Institute, a racial and economic justice policy group.\u003c/p>\n\u003cp>The group used mortgage data collected under the Home Mortgage Disclosure Act, passed by Congress in 1975, to analyze lending patterns in six major metropolitan areas across California.\u003c/p>\n\u003cp>For instance, in the Oakland-Berkeley-Livermore metropolitan area, encompassing 2.8 million people, the Black population makes up 9.4% of the population, but were awarded only 4% of all home purchase loans in 2019, it found.\u003c/p>\n\u003cp>That disparity is even more extreme among Latinos in the same region, who represent 23.7% of the population, but were awarded only 10.8% of home-buying loans last year.\u003c/p>\n\u003cp>Across the bay, in the San Francisco-San Mateo-Redwood City metropolitan area of roughly 1.6 million people, Black people make up 3.6% of the population, but they netted just 78 home-purchasing loans in 2019, or 0.73% of all loans awarded.\u003c/p>\n\u003cp>Meanwhile, white people, who make up over 39% of that region, were awarded about 4,200 home-buying loans in 2019, a rate roughly proportionate to their population.\u003c/p>\n\u003cp>The report recommends the following series of steps to improve equity in awarding home loans:\u003c/p>\n\u003cul>\n\u003cli>For banks to create more loan products and extend access and outreach in lower-income and immigrant communities;\u003c/li>\n\u003cli>For banks to increase their branch presence in rural communities and communities of color;\u003c/li>\n\u003cli>For communities to better fund nonprofits led by people of color to support homeownership counseling;\u003c/li>\n\u003cli>And for federal reform to strengthen the Home Mortgage Disclosure Act and other regulations to make more loans available to households in low- and moderate-income communities.\u003c/li>\n\u003c/ul>\n\u003cp>Elhalaby’s said her parents, who emigrated from Palestine to San Diego in 1989, benefited from working with culturally competent banks. There is a prevalence of Arabic-speaking bank tellers among Wells Fargo branches in that city, which Elhalaby said was key to her parents securing a home loan when she was a teenager.\u003c/p>\n\u003cp>“That was kind of a game changer,” she said. “There was someone that [could] really explain the whole system, like anything that they signed. They felt confident that they knew what they were getting into.”\u003c/p>\n\u003cp>There is a similar dynamic playing out across the most recent loan data, Elhalaby said. Asian communities in California — and the Chinese community in particular — receive home loans at rates similar to those of white people, a factor due largely to bank access, Elhalaby said.\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>There are many culturally competent banks serving Asian communities in the Bay Area. East West Bank, for instance, has tellers who speak Cantonese and Mandarin, and are located in key Chinese neighborhoods like Oakland’s Chinatown or San Francisco’s Irving Street. Their website lists the languages spoken at each branch.\u003c/p>\n\u003cp>That points a way forward to increase banking access in Latino communities, with more Spanish-speaking tellers who can offer loan services targeted to their specific needs. Doing so may mean structuring loans in a way that allows multiple family members to contribute financially to buying a home, for instance, which is more common in immigrant communities, Elhalaby said.\u003c/p>\n\u003cp>Women of color face some of the greatest disparities in getting home loans in California: They make up 30% of the state's population but net just 7% of all home-buying loans, the report found.\u003c/p>\n\u003cp>Women of color are often the sole supporters of their extended families and are likely to be entrepreneurs, Elhalaby said. So “creative underwriting” that acknowledges the many payment obligations they have, may make home loans more accessible.\u003c/p>\n\u003cp>While language access isn’t necessarily an issue in California’s Black communities, bank access often is, the report found. It suggests they would be better served if banks opened more branches in those communities and offered more home-buying counseling.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"related coverage ","tag":"home-loans"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp> That’s old news to Nikki Beasley, executive director of Richmond Neighborhood Housing Services, which largely serves Black communities in Oakland and Richmond. The organization \u003ca href=\"http://www.richmondnhs.org/programs#164\">hosts homebuyer workshops\u003c/a> and tries to clear up common misconceptions among many first-time homebuyers.\u003c/p>\n\u003cp>“People tend to be comfortable in the community they live,” she said. But as a former banker herself, Beasley says there is sometimes “bias” in the lending process. “I will admit, as bankers, you tend to assess based on what people look like, how they dress,” she said, noting that those judgements can be made inadvertently.\u003c/p>\n\u003cp>Placing more bank branches in traditionally underserved communities with employees from those communities can reduce that bias, Beasley said.\u003c/p>\n\u003cp>With scarce access to loans from traditional banks, Beasley worries Black homebuyers with less income may face dauntingly steep interest rates — sometimes as high as 30% — from fintech loans.\u003c/p>\n\u003cp>People still say yes to that raw deal because it’s their only option, she said.\u003c/p>\n\u003cp>“Typically, that, in my mind, is a predatory practice because they are targeting people that may not be able to get this particular loan or offer because of poor credit, overutilization of debt, or low income,” Beasley said.\u003c/p>\n\u003cp>To counter that, Beasley said her organization helped over 100 first-time homebuyers in her community in 2020 alone, putting her organization on track to secure about the same number of loans they closed in 2019.\u003c/p>\n\u003cp>“We bring information to individuals, keep them encouraged and motivated,” Beasley said. “Because — there is a way.”\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\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11848754/black-and-latino-homebuyers-in-california-receive-disproportionately-fewer-bank-loans-new-report-finds","authors":["11690"],"categories":["news_6266","news_8"],"tags":["news_25773","news_1775","news_20704","news_21028"],"featImg":"news_11841421","label":"news"},"news_11831241":{"type":"posts","id":"news_11831241","meta":{"index":"posts_1591205157","site":"news","id":"11831241","score":null,"sort":[1596574463000]},"guestAuthors":[],"slug":"first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","title":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","publishDate":1596574463,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation's worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he's been furloughed.\u003c/p>\n\u003cp>\"I just went back to work a couple weeks ago,\" Gonzales said. \"And that's on a day-by-day basis at this time.\"\u003c/p>\n\u003cp>Gonzales is afraid he'll get laid off. He wasn't able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can't pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose's moratorium ends on Aug. 31, and Gonzales' landlord has already threatened to evict him if he doesn't pay his back-rent.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"It's become difficult to pay it. And I have every intention [of paying the rent] because I've never had any problems like this,\" Gonzales said. \"But it's making me worried and stressed out about ... am I going to be able to do it.\"\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>\"Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,\" Sidhu said. \"We can imagine that debt collection cases are going to be on the rise.\"\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Jessica Nowlan, Young Women's Freedom Center executive director\"]'I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family.'[/pullquote]\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn't believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>\"States should really be careful about how they begin to reopen and continue business as usual,\" Sidhu said. \"Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.\"\u003c/p>\n\u003cp>Jessica Nowlan's debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women's Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>\"I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,\" Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn't realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>\"I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family,\" Nowlan said.\u003c/p>\n\u003cp>She's now on a six-year payment plan with the IRS to pay those back taxes, but there won't be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>[aside label=\"Coronavirus Resources\" tag=\"resource\"]\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they're accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>\"People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they've accumulated over the past few months,\" Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family's bank account — enough to provide a \"minimum basic standard of adequate care for a family of four.\"\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>\"There's no regulation, there's no licensing,\" Wieckowski said. \"It's nothing new — it's the crescendo now because there's so many more people that are financially vulnerable.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n","blocks":[],"excerpt":"Even as millions of Californians have filed for unemployment during the coronavirus pandemic, many who are already financially vulnerable are being asked to pay back their debts.","status":"publish","parent":0,"modified":1596581015,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":28,"wordCount":976},"headData":{"title":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling | KQED","description":"Even as millions of Californians have filed for unemployment during the coronavirus pandemic, many who are already financially vulnerable are being asked to pay back their debts.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11831241 https://ww2.kqed.org/news/?p=11831241","disqusUrl":"https://ww2.kqed.org/news/2020/08/04/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling/","disqusTitle":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/bebf602d-0beb-4b39-9477-ac070128a539/audio.mp3","path":"/news/11831241/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","audioDuration":213000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation's worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he's been furloughed.\u003c/p>\n\u003cp>\"I just went back to work a couple weeks ago,\" Gonzales said. \"And that's on a day-by-day basis at this time.\"\u003c/p>\n\u003cp>Gonzales is afraid he'll get laid off. He wasn't able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can't pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose's moratorium ends on Aug. 31, and Gonzales' landlord has already threatened to evict him if he doesn't pay his back-rent.\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>\"It's become difficult to pay it. And I have every intention [of paying the rent] because I've never had any problems like this,\" Gonzales said. \"But it's making me worried and stressed out about ... am I going to be able to do it.\"\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>\"Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,\" Sidhu said. \"We can imagine that debt collection cases are going to be on the rise.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Jessica Nowlan, Young Women's Freedom Center executive director","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn't believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>\"States should really be careful about how they begin to reopen and continue business as usual,\" Sidhu said. \"Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.\"\u003c/p>\n\u003cp>Jessica Nowlan's debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women's Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>\"I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,\" Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn't realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>\"I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family,\" Nowlan said.\u003c/p>\n\u003cp>She's now on a six-year payment plan with the IRS to pay those back taxes, but there won't be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Coronavirus Resources ","tag":"resource"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they're accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>\"People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they've accumulated over the past few months,\" Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family's bank account — enough to provide a \"minimum basic standard of adequate care for a family of four.\"\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>\"There's no regulation, there's no licensing,\" Wieckowski said. \"It's nothing new — it's the crescendo now because there's so many more people that are financially vulnerable.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11831241/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","authors":["11672"],"categories":["news_1758","news_8"],"tags":["news_27510","news_27350","news_27504","news_20382","news_27701","news_18","news_20704","news_353","news_25522"],"featImg":"news_11831720","label":"news"},"news_11791185":{"type":"posts","id":"news_11791185","meta":{"index":"posts_1591205157","site":"news","id":"11791185","score":null,"sort":[1576281400000]},"guestAuthors":[],"slug":"the-for-profit-school-of-hard-knocks","title":"The (For-Profit) School of Hard Knocks","publishDate":1576281400,"format":"standard","headTitle":"Mark Fiore: Drawn to the Bay | KQED News","labelTerm":{"term":18515,"site":"news"},"content":"\u003cp>U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to \u003ca href=\"http://bit.ly/fioredevosdefraud\" target=\"_blank\" rel=\"noopener noreferrer\">still be on the hook\u003c/a> for student loans.\u003c/p>\n\u003cp>It's no secret that DeVos \u003ca href=\"https://www.americanprogress.org/issues/education-postsecondary/news/2017/01/27/297572/inside-the-financial-holdings-of-billionaire-betsy-devos/\" target=\"_blank\" rel=\"noopener noreferrer\">has a thing\u003c/a> for \u003ca href=\"https://www.washingtonpost.com/local/education/betsy-devos-to-the-rescue-for-profit-colleges-see-a-savior-in-secretary/2018/11/23/55066cfe-d3cb-11e8-8c22-fa2ef74bd6d6_story.html\" target=\"_blank\" rel=\"noopener noreferrer\">for-profit colleges\u003c/a>, but her current argument seems particularly cruel.\u003c/p>\n\u003cp>Her reasoning apparently goes like this: Even if you have a worthless diploma from a shady for-profit college that lied to you – if you are currently making money in any kind of job – you still have to pay back those loans for a fraudulent education since you must have gotten \u003cem>something\u003c/em> out of it.\u003c/p>\n\u003cp>. . . Or words to that effect.\u003c/p>\n\u003cp>Never mind that her own Department of Education seems to \u003ca href=\"https://www.kqed.org/news/11790670/betsy-devos-overruled-education-department-findings-on-defrauded-student-borrowers\" target=\"_blank\" rel=\"noopener noreferrer\">disagree with her\u003c/a>.\u003c/p>\n\u003cp>Keep in mind DeVos was appointed to her position by the namesake of Trump University, which paid a \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/03/31/522199535/judge-approves-25-million-settlement-of-trump-university-lawsuit\" target=\"_blank\" rel=\"noopener noreferrer\">$25 million settlement\u003c/a> to students who alleged they were defrauded by the for-profit \"university\" that sold real estate seminars.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to still be on the hook for student loans.","status":"publish","parent":0,"modified":1576281400,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":8,"wordCount":154},"headData":{"title":"The (For-Profit) School of Hard Knocks | KQED","description":"U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to still be on the hook for student loans.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11791185 https://ww2.kqed.org/news/?p=11791185","disqusUrl":"https://ww2.kqed.org/news/2019/12/13/the-for-profit-school-of-hard-knocks/","disqusTitle":"The (For-Profit) School of Hard Knocks","path":"/news/11791185/the-for-profit-school-of-hard-knocks","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>U.S. Education Secretary Betsy DeVos wants defrauded student borrowers to \u003ca href=\"http://bit.ly/fioredevosdefraud\" target=\"_blank\" rel=\"noopener noreferrer\">still be on the hook\u003c/a> for student loans.\u003c/p>\n\u003cp>It's no secret that DeVos \u003ca href=\"https://www.americanprogress.org/issues/education-postsecondary/news/2017/01/27/297572/inside-the-financial-holdings-of-billionaire-betsy-devos/\" target=\"_blank\" rel=\"noopener noreferrer\">has a thing\u003c/a> for \u003ca href=\"https://www.washingtonpost.com/local/education/betsy-devos-to-the-rescue-for-profit-colleges-see-a-savior-in-secretary/2018/11/23/55066cfe-d3cb-11e8-8c22-fa2ef74bd6d6_story.html\" target=\"_blank\" rel=\"noopener noreferrer\">for-profit colleges\u003c/a>, but her current argument seems particularly cruel.\u003c/p>\n\u003cp>Her reasoning apparently goes like this: Even if you have a worthless diploma from a shady for-profit college that lied to you – if you are currently making money in any kind of job – you still have to pay back those loans for a fraudulent education since you must have gotten \u003cem>something\u003c/em> out of it.\u003c/p>\n\u003cp>. . . Or words to that effect.\u003c/p>\n\u003cp>Never mind that her own Department of Education seems to \u003ca href=\"https://www.kqed.org/news/11790670/betsy-devos-overruled-education-department-findings-on-defrauded-student-borrowers\" target=\"_blank\" rel=\"noopener noreferrer\">disagree with her\u003c/a>.\u003c/p>\n\u003cp>Keep in mind DeVos was appointed to her position by the namesake of Trump University, which paid a \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/03/31/522199535/judge-approves-25-million-settlement-of-trump-university-lawsuit\" target=\"_blank\" rel=\"noopener noreferrer\">$25 million settlement\u003c/a> to students who alleged they were defrauded by the for-profit \"university\" that sold real estate seminars.\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>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11791185/the-for-profit-school-of-hard-knocks","authors":["3236"],"series":["news_18515"],"categories":["news_18540","news_6188","news_8","news_13"],"tags":["news_20504","news_2924","news_25423","news_20949","news_20704","news_25523","news_21567"],"featImg":"news_11791199","label":"news_18515"},"news_11751924":{"type":"posts","id":"news_11751924","meta":{"index":"posts_1591205157","site":"news","id":"11751924","score":null,"sort":[1559509057000]},"guestAuthors":[],"slug":"could-capping-interest-rates-curb-poverty-rates-in-california","title":"Could Capping Interest Rates Curb Poverty Rates in California?","publishDate":1559509057,"format":"standard","headTitle":"CALmatters | KQED News","labelTerm":{},"content":"\u003cp>Last month, the Federal Reserve System \u003ca href=\"https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf\" target=\"_blank\" rel=\"noopener\">issued a report\u003c/a> on “the economic well-being of U.S. households,” and it contained a rather disturbing bit of data.\u003c/p>\n\u003cp>“If faced with an unexpected expense of $400,” a survey of American households found, “61% of adults say they would cover it with cash, savings, or a credit card paid off at the next statement – a modest improvement from the prior year.”\u003c/p>\n\u003cp>Turning that around, 39% of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit. The survey found that two-thirds of them “would borrow or sell something to pay for the expense” and the remainder “would not be able to cover the expense at all.”\u003c/p>\n\u003cp>[aside tag='predatory-lending' label='More on small-dollar credit']Not surprisingly, that 39% number coincides rather neatly – if unfortunately – with poverty in California.\u003c/p>\n\u003cp>The Census Bureau says that California has the nation’s highest level of poverty when the cost of living is included in the calculation, with about 20% of its 40 million residents impoverished. The Public Policy Institute of California, using a similar methodology, calculates that another 20% are living in “near-poverty.”\u003c/p>\n\u003cp>It’s not a stretch to conclude, therefore, that the 40% of Californians in economic distress probably are incapable of meeting a sudden $400 expense -- which brings us to \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\" rel=\"noopener\">Assembly Bill 539\u003c/a>, which passed the Assembly on a 60-4 vote on the same day that the Federal Reserve report was released.\u003c/p>\n\u003cp>The measure, carried by Assemblywoman Monique Limón, a Santa Barbara Democrat, is aimed at curbing the very high-interest loans that poor Californians often take out to meet their living costs because they are unable to qualify for conventional credit.\u003c/p>\n\u003cp>It would place a 36% annual interest rate cap on loans made by state-licensed lenders, more than a third of which have interest rates above 100%, according to the Department of Business Oversight.\u003c/p>\n\u003cp>Such ultra-high rates are, a legislative analysis of the bill says, “a relatively new phenomenon in California,” growing from 8,468 such loans in 2009 to more than 350,000 per year now, totaling more than $1 billion.\u003c/p>\n\u003cp>[aside tag='poverty' label='Poverty in California']Critics call it “predatory lending” that takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. Unable to afford the high payments such loans demand, their unpaid balances are often folded into new loans with high fees and interest.\u003c/p>\n\u003cp>Limón says she wants to affect the “small number of lenders” that specialize in such loans. “I’ve worked hard to find a compromise,” she told the Assembly, saying her bill would “benefit both consumers and responsible lenders alike.”\u003c/p>\n\u003cp>The legislation, now pending in the Senate, is clearly a sincere effort to protect the poor. However, it does nothing about the underlying fact that so many Californians live on the edges of financial precipices and turn to high-interest lenders in desperation when cars break down, when landlords demand rent, or when some other sudden expense rears its ugly head.\u003c/p>\n\u003cp>The bill is one of dozens of legislative measures that seek to alleviate the effects of California’s embarrassingly high poverty. There is, however, not nearly enough political action on poverty at the source -- such as building more housing to bring down its cost, getting more kids through high school, improving skills to fill well-paying jobs now going unfilled for a lack of trained workers, and/or making California more attractive to investment in more jobs.\u003c/p>\n\u003cp>We sometimes lose sight of the well-proven fact that the best anti-poverty program is a good job.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Thirty-nine percent of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit.","status":"publish","parent":0,"modified":1559605046,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":658},"headData":{"title":"Could Capping Interest Rates Curb Poverty Rates in California? | KQED","description":"Thirty-nine percent of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11751924 https://ww2.kqed.org/news/?p=11751924","disqusUrl":"https://ww2.kqed.org/news/2019/06/02/could-capping-interest-rates-curb-poverty-rates-in-california/","disqusTitle":"Could Capping Interest Rates Curb Poverty Rates in California?","source":"CALMATTERS","nprByline":"\u003cstrong>Dan Walters\u003c/strong>","path":"/news/11751924/could-capping-interest-rates-curb-poverty-rates-in-california","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Last month, the Federal Reserve System \u003ca href=\"https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf\" target=\"_blank\" rel=\"noopener\">issued a report\u003c/a> on “the economic well-being of U.S. households,” and it contained a rather disturbing bit of data.\u003c/p>\n\u003cp>“If faced with an unexpected expense of $400,” a survey of American households found, “61% of adults say they would cover it with cash, savings, or a credit card paid off at the next statement – a modest improvement from the prior year.”\u003c/p>\n\u003cp>Turning that around, 39% of American adults say they couldn’t readily cover an unexpected $400 expense – for a car repair, perhaps, or an emergency room visit. The survey found that two-thirds of them “would borrow or sell something to pay for the expense” and the remainder “would not be able to cover the expense at all.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"predatory-lending","label":"More on small-dollar credit "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Not surprisingly, that 39% number coincides rather neatly – if unfortunately – with poverty in California.\u003c/p>\n\u003cp>The Census Bureau says that California has the nation’s highest level of poverty when the cost of living is included in the calculation, with about 20% of its 40 million residents impoverished. The Public Policy Institute of California, using a similar methodology, calculates that another 20% are living in “near-poverty.”\u003c/p>\n\u003cp>It’s not a stretch to conclude, therefore, that the 40% of Californians in economic distress probably are incapable of meeting a sudden $400 expense -- which brings us to \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\" rel=\"noopener\">Assembly Bill 539\u003c/a>, which passed the Assembly on a 60-4 vote on the same day that the Federal Reserve report was released.\u003c/p>\n\u003cp>The measure, carried by Assemblywoman Monique Limón, a Santa Barbara Democrat, is aimed at curbing the very high-interest loans that poor Californians often take out to meet their living costs because they are unable to qualify for conventional credit.\u003c/p>\n\u003cp>It would place a 36% annual interest rate cap on loans made by state-licensed lenders, more than a third of which have interest rates above 100%, according to the Department of Business Oversight.\u003c/p>\n\u003cp>Such ultra-high rates are, a legislative analysis of the bill says, “a relatively new phenomenon in California,” growing from 8,468 such loans in 2009 to more than 350,000 per year now, totaling more than $1 billion.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"poverty","label":"Poverty in California "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Critics call it “predatory lending” that takes advantage of poor people, who often lack the education or consumer awareness to steer clear of these legal loan sharks. Unable to afford the high payments such loans demand, their unpaid balances are often folded into new loans with high fees and interest.\u003c/p>\n\u003cp>Limón says she wants to affect the “small number of lenders” that specialize in such loans. “I’ve worked hard to find a compromise,” she told the Assembly, saying her bill would “benefit both consumers and responsible lenders alike.”\u003c/p>\n\u003cp>The legislation, now pending in the Senate, is clearly a sincere effort to protect the poor. However, it does nothing about the underlying fact that so many Californians live on the edges of financial precipices and turn to high-interest lenders in desperation when cars break down, when landlords demand rent, or when some other sudden expense rears its ugly head.\u003c/p>\n\u003cp>The bill is one of dozens of legislative measures that seek to alleviate the effects of California’s embarrassingly high poverty. There is, however, not nearly enough political action on poverty at the source -- such as building more housing to bring down its cost, getting more kids through high school, improving skills to fill well-paying jobs now going unfilled for a lack of trained workers, and/or making California more attractive to investment in more jobs.\u003c/p>\n\u003cp>We sometimes lose sight of the well-proven fact that the best anti-poverty program is a good job.\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>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11751924/could-capping-interest-rates-curb-poverty-rates-in-california","authors":["byline_news_11751924"],"categories":["news_1758","news_8"],"tags":["news_69","news_18538","news_25866","news_1585","news_20704"],"affiliates":["news_18481"],"featImg":"news_11751927","label":"source_news_11751924"},"news_11747607":{"type":"posts","id":"news_11747607","meta":{"index":"posts_1591205157","site":"news","id":"11747607","score":null,"sort":[1558020144000]},"guestAuthors":[],"slug":"as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending","title":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'?","publishDate":1558020144,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>Elishia Benson already knew that a loan with a high interest rate could wreak havoc on her bank account.\u003c/p>\n\u003cp>She had borrowed before, including from \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">payday lenders\u003c/a>, which can legally only offer a maximum of $255. But four years ago, she felt like she was out of options.\u003c/p>\n\u003caside class=\"pullquote alignright\">'People don’t realize how disastrous it’s going to be. Most people are not that great at math.'\u003ccite>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates\u003c/cite>\u003c/aside>\n\u003cp>A self-described “autism” mom in Chula Vista, she didn’t have a job. What she did have: lots of debt, rent, car payments and utility bills.\u003c/p>\n\u003cp>So she went online and found Wilshire Consumer Credit — a company willing to loan her $2,510. Under the terms of the loan, Benson would pay $244 every month for three years or surrender her 2003 Ford Explorer.\u003c/p>\n\u003cp>“I have a daughter, a young child. I just wanted to make sure we were good,” she said. “I wasn’t really focused on the interest.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The annual rate on her loan: 112%.\u003c/p>\n\u003cp>Unlike in 38 other states, charging a triple-digit interest rate on many consumer loans is legal in California. In the state’s rapidly growing market for “subprime” consumer credit, loan terms like what Benson enouraged are increasingly common.\u003c/p>\n\u003cp>According to data the lending industry reported to state regulators, “small-dollar,” high-cost credit — loans of less than $10,000 with rates of over 100% — have swelled between 2009 and 2017, from 4% of the non-bank consumer lending market to nearly one-third.\u003c/p>\n\u003cp>Benson recalled making her payments on time for the first year and a half, cutting other expenses and repaying over $4,000, before deciding she “couldn’t do it anymore.” She went to the Legal Aid Society of San Diego, which said it identified a mistake on the loan agreement: Wilshire Consumer Credit had allegedly failed to disclose a $15 fee.\u003c/p>\n\u003cp>A lawyer for Westlake Financial Services, which controls Wilshire Consumer Credit, declined to confirm Benson’s account, saying settlement terms are confidential.\u003c/p>\n\u003cp>Benson said she got out from under her loan on a technicality, but most borrowers cannot.\u003c/p>\n\u003cp>High-cost lenders argue that their rates reflect the risk of lending to the state’s poorest borrowers — consumers often rejected by traditional banks.\u003c/p>\n\u003cp>“We are not pricing these products because we feel like it,” said Mary Jackson, CEO of the Online Lenders Alliance, a trade group. “We have to balance out the risk.”\u003c/p>\n\u003cp>But consumer advocates say that these lenders, which sometimes set rates exceeding 200%, profit off of borrowers’ desperation or lack of financial sophistication, and often make a bad situation worse. Now they’re backing a \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\">bill\u003c/a> by Assemblywoman Monique Limón, a Santa Barbara Democrat, that would set an interest-rate cap of roughly 38% for consumer loans between $2,500 and $10,000. With annual fees, the maximum cost could be as high as 45%.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/_/rV3DdTNjm6xd3wQmVCu4?src=embed\" title=\"Plus100\" width=\"550\" height=\"1430\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>Opponents say the cap would push lenders out of the market, forcing borrowers to turn to illegal lenders — or to forgo credit entirely.\u003c/p>\n\u003cp>But some consumer groups say there are worse things than being unable to borrow.\u003c/p>\n\u003cp>“Access to credit is only a good thing when it’s affordable, sustainable credit, not credit that is going to ruin your life,” said Lauren Saunders from the National Consumer Law Center.\u003c/p>\n\u003cp>Since the Great Recession, the business of extending pricey credit to the state’s poorest borrowers has been booming.\u003c/p>\n\u003cp>In 2009, lenders regulated by the California Financing Law, which include all non-bank creditors except payday lenders, doled out $26 million in small loans with triple-digit interest rates. In less than a decade, that total skyrocketed to over $1 billion — a 40-fold increase.\u003c/p>\n\u003cp>Many of these high-cost lenders demand cars as collateral. Others specialize in unsecured installment loans, handing out cash, and making up the difference with higher rates and aggressive collections practices. Virtually all recent growth in this market has been in the $2,500 to $5,000 range.\u003c/p>\n\u003cp>That isn’t an accident, but a response to California’s patchwork regulatory system, which puts tight price caps on certain loans while leaving rates on others unregulated.\u003c/p>\n\u003cp>Under state law, ultra short-term payday loans can carry annualized interest costs of 450%, but they cannot exceed $255. Larger loans are subject to a cap of around 30% — but only up to $2,500.\u003c/p>\n\u003cp>For increments above that, there’s no legal limit.\u003c/p>\n\u003cp>“There’s sort of an artificial boundary in California where a lot of the lenders have an incentive to operate right around that $2,500 mark,” said Nick Bourke, a consumer finance researcher at Pew Charitable Trusts. It also gives lenders a reason to \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2015/CashCall%20Restitution%20Announcement%2011-18-15.asp\" target=\"_blank\">convince\u003c/a> those who “might be more interested in taking a $1,000 loan” to borrow more.\u003c/p>\n\u003cp>Lauren Muntasir, a single grandmother from the East Bay city of Richmond, said she only needed an extra $1,000 when her car transmission died last spring. When she turned to LoanMe, one of the largest high-cost consumer lenders in the state, she said they told her the minimum was just over $2,500.\u003c/p>\n\u003cp>State \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2018/CFL%20Triple-Digit%20APR%20Leaders%202017.pdf\" target=\"_blank\">data\u003c/a> shows that 99.7% of LoanMe’s loans between $2,500 and $9,999 carried triple-digit annual percentage rates in 2017.\u003c/p>\n\u003cp>[aside label=\"related\" tag=\"payday-lending\"]\u003c/p>\n\u003cp>Muntasir took it anyway: “You can’t look at no hungry baby,” she said.\u003c/p>\n\u003cp>While lenders attribute the rise of these loans to \u003ca href=\"https://www.latimes.com/projects/la-fi-reddam-cashcall-loanme/\" target=\"_blank\" rel=\"noopener\">innovation\u003c/a>, critics say it resulted from regulators under the Obama administration turning against payday lenders.\u003c/p>\n\u003cp>“The increased scrutiny and limitations placed by federal agencies has encouraged the industry to look more toward installment lending,” said Quyen Truong, former assistant director of the Consumer Financial Protection Bureau. The Trump administration is now attempting to reverse some of those limitations, even as progressives in Congress \u003ca href=\"https://theintercept.com/2019/05/09/alexandria-ocasio-cortez-bernie-sanders-bank-legislation/\" target=\"_blank\">push\u003c/a> for tighter rules.\u003c/p>\n\u003cp>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates, a legal-aid provider in Oakland, has seen a four-year increase in the number of clients staggering under larger-than-needed loans with triple-digit interest rates.\u003c/p>\n\u003cp>“People don’t realize how disastrous it’s going to be,” she said. “Most people are not that great at math.”\u003c/p>\n\u003cp>The industry’s argument: If someone decides to take out a particular loan, the state shouldn’t get in the way.\u003c/p>\n\u003cp>“There’s a misunderstanding of who the average borrower is,” said Roger Salazar, spokesman for Californians for Credit Access, a coalition of small-loan lenders. “They’re working folks who are smart and understand what the product is.”\u003c/p>\n\u003cp>At a state Assembly committee hearing last month, some borrowers spoke against Limón’s bill, arguing that high-cost loans, though expensive, helped them weather difficult financial times.\u003c/p>\n\u003cp>But other borrowers report being stunned by the steep cost of their loans. Muntasir from Richmond said that she cried when she realized the total amount she would be expected to pay (she eventually defaulted). Even for those who understand the terms, the math of compound interest can be deceiving.\u003c/p>\n\u003cp>Angela Garcia, a 35-year-old single mother from South Gate in southeast Los Angeles, recalls the feeling of throwing hundreds of dollars, month after month, at a problem that never quite seemed to get smaller. She called it a “nightmare.”\u003c/p>\n\u003cp>Garcia, who now works as a medical assistant at Kaiser Permanente, said she was unemployed when she took out her car title loan. She had six kids. Gas prices were high. Christmas was coming. Credit seemed like the only option — and it was ubiquitous.\u003c/p>\n\u003cp>“Everywhere you drive you see these freaking signs: ‘Get a loan,’ ‘Get a loan,’ ‘Get a loan,” she said. “It sounds great. It sounds like, ‘well, shoot, if they’re willing to help me, why not?’ But no. It’s not. They’re not helping you at all.”\u003c/p>\n\u003cp>In 2014, Garcia borrowed $3,200 from LoanMart. She remembers sitting in her kitchen one morning when she heard the sound of jangling chains on the street. She said she raced outside to grab her toddler’s car seat before her Chevy Suburban was towed away.\u003c/p>\n\u003cp>Garcia said she remembers spending hundreds each month, but doesn’t recall the loan’s exact percentage rate.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/229fba0d-20d2-42cb-a048-aea188605ca3?src=embed\" title=\"Where the money goes\" width=\"550\" height=\"1633\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>That’s not uncommon, said Rosie Papazian, who manages the personal finance program at New Economics for Women, a Los Angeles non-profit. Many clients are reluctant to dig into the details of their own financial situation, either out of shame or a lack of understanding.\u003c/p>\n\u003cp>“They think, ‘Gosh, it’s been three years and I’m still paying off this loan and I don’t really know why.’”\u003c/p>\n\u003cp>A third of high-cost loans end in default, according to one legislative analysis.\u003c/p>\n\u003cp>Consumer advocates say there would be fewer defaults — which can trash a borrower’s credit score even as collections agencies continue to seek repayment — if only lenders offered lower rates. Lenders counter that so many of their borrowers fail to pay back the loans because they are, by definition, in dire financial straits.\u003c/p>\n\u003cp>“Nobody wants to run a lending operation that has a high number of defaults,” said Salazar. But “it’s a risky customer base,” she noted.\u003c/p>\n\u003cp>Even if roughly 40% of customers are defaulting — as is the case with CashCall, according to court \u003ca href=\"https://www.courtlistener.com/recap/gov.uscourts.cand.204763.170.0.pdf\" target=\"_blank\">documents\u003c/a> from an ongoing class-action lawsuit against the lender — the remaining 60% are using the product “effectively,” said Jackson of the Online Lenders Association.\u003c/p>\n\u003cp>She added that the proposed rate cap would make it impossible for her members to lend to the most financially desperate customers.\u003c/p>\n\u003cp>“People find ways to work around some prohibition. Look at what happened when we banned alcohol,” she said.\u003c/p>\n\u003cp>One 2016 \u003ca href=\"https://www.journals.uchicago.edu/doi/10.1086/686033\" target=\"_blank\">study\u003c/a> found that states where payday loan restrictions went into effect saw a 60 percent increase in pawnshop loans, which are typically more expensive. Another \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1032621\" target=\"_blank\">study\u003c/a> found more bounced checks, more complaints of abusive lending, more bankruptcy.\u003c/p>\n\u003cp>Tatiana Homonoff, a New York University professor and an author of the 2016 study, said the response to a bill like Limón’s could be different, since payday loans are smaller and have a wider array of substitutes. But it’s important to think through the consequences, she said: “When these loans aren’t available, what do people do instead?”\u003c/p>\n\u003cp>Here’s how state Sen. Ben Hueso, a moderate Democrat from San Diego County who opposes a rate cap, framed the dilemma:\u003c/p>\n\u003cp>“What do I prefer?” he said. “That we have people that are defaulting on loans? Or people that are getting their knees broken?”\u003c/p>\n\u003cp>Not everyone agrees that lenders need to charge triple-digit interest rates to serve low-income borrowers. That includes some lenders.\u003c/p>\n\u003cp>If Limón’s bill were to become law “collectively we will be able to serve those consumers,” said Ezra Garrett, a vice president at Oportun, one of the more than a dozen lenders in California who offer consumer loans between $300 and $2,500, subjecting themselves to the state’s tight-interest caps.\u003c/p>\n\u003cp>But high-cost lenders argue the Oportuns of the state would not be able to profitably serve the state’s riskiest borrowers.\u003c/p>\n\u003cp>Last year, two state rate-cap bills \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">failed\u003c/a> — stymied by a coalition of Republicans and business-friendly Democrats. But the political climate has shifted.\u003c/p>\n\u003cp>Last August, the state Supreme Court \u003ca href=\"https://law.justia.com/cases/california/supreme-court/2018/s241434.html\" target=\"_blank\">raised\u003c/a> new questions about the legality of high-cost loans — without specifying what interest threshold would be too much. There’s also some anxiety over a potential ballot fight, which Garrett called the “sledgehammer approach.” The prospect of unending litigation or voter-imposed mandates has pushed more lenders, including OneMain Financial and Lendmark Financial Services, to back Limón’s bill.\u003c/p>\n\u003cp>In the first quarter of this year, lenders opposed to the bill have outspent those in favor on lobbying by more than 3-to-1. But for now, the political odds may have tilted in the bill’s favor.\u003c/p>\n\u003cp>Assembly Speaker Anthony Rendon has called such loans “salt water in the desert —a thirsty person will drink it, but they will not be better off.”\u003c/p>\n\u003cp>With so much support in the Assembly, lobbyists on both sides are preparing for the real fight in the Senate, where moderate Democrats skeptical of the proposal are well represented in the Banking and Finance Committee. Tom Dresslar, a retired deputy commissioner at the Department of Business Oversight, called that committee “the industry’s last best hope to preserve this system of exploitation.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>CALmatters.org is a nonprofit, nonpartisan media venture explaining California policies and politics.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"Loans of less than $10,000 with rates of over 100% have swelled dramatically in California. Pending state legislation would set a much lower cap.\r\n","status":"publish","parent":0,"modified":1558020998,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":66,"wordCount":2236},"headData":{"title":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'? | KQED","description":"Loans of less than $10,000 with rates of over 100% have swelled dramatically in California. Pending state legislation would set a much lower cap.\r\n","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11747607 https://ww2.kqed.org/news/?p=11747607","disqusUrl":"https://ww2.kqed.org/news/2019/05/16/as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending/","disqusTitle":"As More Californians Borrow at Skyrocketing Interest Rates, Will State Crack Down on 'Predatory Lending'?","source":"CALmatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003ca href=\"https://calmatters.org/articles/author/ben-christopher/\" target=\"_blank\">Ben Christopher\u003c/a>","path":"/news/11747607/as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Elishia Benson already knew that a loan with a high interest rate could wreak havoc on her bank account.\u003c/p>\n\u003cp>She had borrowed before, including from \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">payday lenders\u003c/a>, which can legally only offer a maximum of $255. But four years ago, she felt like she was out of options.\u003c/p>\n\u003caside class=\"pullquote alignright\">'People don’t realize how disastrous it’s going to be. Most people are not that great at math.'\u003ccite>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates\u003c/cite>\u003c/aside>\n\u003cp>A self-described “autism” mom in Chula Vista, she didn’t have a job. What she did have: lots of debt, rent, car payments and utility bills.\u003c/p>\n\u003cp>So she went online and found Wilshire Consumer Credit — a company willing to loan her $2,510. Under the terms of the loan, Benson would pay $244 every month for three years or surrender her 2003 Ford Explorer.\u003c/p>\n\u003cp>“I have a daughter, a young child. I just wanted to make sure we were good,” she said. “I wasn’t really focused on the interest.”\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>The annual rate on her loan: 112%.\u003c/p>\n\u003cp>Unlike in 38 other states, charging a triple-digit interest rate on many consumer loans is legal in California. In the state’s rapidly growing market for “subprime” consumer credit, loan terms like what Benson enouraged are increasingly common.\u003c/p>\n\u003cp>According to data the lending industry reported to state regulators, “small-dollar,” high-cost credit — loans of less than $10,000 with rates of over 100% — have swelled between 2009 and 2017, from 4% of the non-bank consumer lending market to nearly one-third.\u003c/p>\n\u003cp>Benson recalled making her payments on time for the first year and a half, cutting other expenses and repaying over $4,000, before deciding she “couldn’t do it anymore.” She went to the Legal Aid Society of San Diego, which said it identified a mistake on the loan agreement: Wilshire Consumer Credit had allegedly failed to disclose a $15 fee.\u003c/p>\n\u003cp>A lawyer for Westlake Financial Services, which controls Wilshire Consumer Credit, declined to confirm Benson’s account, saying settlement terms are confidential.\u003c/p>\n\u003cp>Benson said she got out from under her loan on a technicality, but most borrowers cannot.\u003c/p>\n\u003cp>High-cost lenders argue that their rates reflect the risk of lending to the state’s poorest borrowers — consumers often rejected by traditional banks.\u003c/p>\n\u003cp>“We are not pricing these products because we feel like it,” said Mary Jackson, CEO of the Online Lenders Alliance, a trade group. “We have to balance out the risk.”\u003c/p>\n\u003cp>But consumer advocates say that these lenders, which sometimes set rates exceeding 200%, profit off of borrowers’ desperation or lack of financial sophistication, and often make a bad situation worse. Now they’re backing a \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539\" target=\"_blank\">bill\u003c/a> by Assemblywoman Monique Limón, a Santa Barbara Democrat, that would set an interest-rate cap of roughly 38% for consumer loans between $2,500 and $10,000. With annual fees, the maximum cost could be as high as 45%.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/_/rV3DdTNjm6xd3wQmVCu4?src=embed\" title=\"Plus100\" width=\"550\" height=\"1430\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>Opponents say the cap would push lenders out of the market, forcing borrowers to turn to illegal lenders — or to forgo credit entirely.\u003c/p>\n\u003cp>But some consumer groups say there are worse things than being unable to borrow.\u003c/p>\n\u003cp>“Access to credit is only a good thing when it’s affordable, sustainable credit, not credit that is going to ruin your life,” said Lauren Saunders from the National Consumer Law Center.\u003c/p>\n\u003cp>Since the Great Recession, the business of extending pricey credit to the state’s poorest borrowers has been booming.\u003c/p>\n\u003cp>In 2009, lenders regulated by the California Financing Law, which include all non-bank creditors except payday lenders, doled out $26 million in small loans with triple-digit interest rates. In less than a decade, that total skyrocketed to over $1 billion — a 40-fold increase.\u003c/p>\n\u003cp>Many of these high-cost lenders demand cars as collateral. Others specialize in unsecured installment loans, handing out cash, and making up the difference with higher rates and aggressive collections practices. Virtually all recent growth in this market has been in the $2,500 to $5,000 range.\u003c/p>\n\u003cp>That isn’t an accident, but a response to California’s patchwork regulatory system, which puts tight price caps on certain loans while leaving rates on others unregulated.\u003c/p>\n\u003cp>Under state law, ultra short-term payday loans can carry annualized interest costs of 450%, but they cannot exceed $255. Larger loans are subject to a cap of around 30% — but only up to $2,500.\u003c/p>\n\u003cp>For increments above that, there’s no legal limit.\u003c/p>\n\u003cp>“There’s sort of an artificial boundary in California where a lot of the lenders have an incentive to operate right around that $2,500 mark,” said Nick Bourke, a consumer finance researcher at Pew Charitable Trusts. It also gives lenders a reason to \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2015/CashCall%20Restitution%20Announcement%2011-18-15.asp\" target=\"_blank\">convince\u003c/a> those who “might be more interested in taking a $1,000 loan” to borrow more.\u003c/p>\n\u003cp>Lauren Muntasir, a single grandmother from the East Bay city of Richmond, said she only needed an extra $1,000 when her car transmission died last spring. When she turned to LoanMe, one of the largest high-cost consumer lenders in the state, she said they told her the minimum was just over $2,500.\u003c/p>\n\u003cp>State \u003ca href=\"http://www.dbo.ca.gov/Press/press_releases/2018/CFL%20Triple-Digit%20APR%20Leaders%202017.pdf\" target=\"_blank\">data\u003c/a> shows that 99.7% of LoanMe’s loans between $2,500 and $9,999 carried triple-digit annual percentage rates in 2017.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"related ","tag":"payday-lending"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Muntasir took it anyway: “You can’t look at no hungry baby,” she said.\u003c/p>\n\u003cp>While lenders attribute the rise of these loans to \u003ca href=\"https://www.latimes.com/projects/la-fi-reddam-cashcall-loanme/\" target=\"_blank\" rel=\"noopener\">innovation\u003c/a>, critics say it resulted from regulators under the Obama administration turning against payday lenders.\u003c/p>\n\u003cp>“The increased scrutiny and limitations placed by federal agencies has encouraged the industry to look more toward installment lending,” said Quyen Truong, former assistant director of the Consumer Financial Protection Bureau. The Trump administration is now attempting to reverse some of those limitations, even as progressives in Congress \u003ca href=\"https://theintercept.com/2019/05/09/alexandria-ocasio-cortez-bernie-sanders-bank-legislation/\" target=\"_blank\">push\u003c/a> for tighter rules.\u003c/p>\n\u003cp>Maeve Elise Brown, executive director of Housing and Economic Rights Advocates, a legal-aid provider in Oakland, has seen a four-year increase in the number of clients staggering under larger-than-needed loans with triple-digit interest rates.\u003c/p>\n\u003cp>“People don’t realize how disastrous it’s going to be,” she said. “Most people are not that great at math.”\u003c/p>\n\u003cp>The industry’s argument: If someone decides to take out a particular loan, the state shouldn’t get in the way.\u003c/p>\n\u003cp>“There’s a misunderstanding of who the average borrower is,” said Roger Salazar, spokesman for Californians for Credit Access, a coalition of small-loan lenders. “They’re working folks who are smart and understand what the product is.”\u003c/p>\n\u003cp>At a state Assembly committee hearing last month, some borrowers spoke against Limón’s bill, arguing that high-cost loans, though expensive, helped them weather difficult financial times.\u003c/p>\n\u003cp>But other borrowers report being stunned by the steep cost of their loans. Muntasir from Richmond said that she cried when she realized the total amount she would be expected to pay (she eventually defaulted). Even for those who understand the terms, the math of compound interest can be deceiving.\u003c/p>\n\u003cp>Angela Garcia, a 35-year-old single mother from South Gate in southeast Los Angeles, recalls the feeling of throwing hundreds of dollars, month after month, at a problem that never quite seemed to get smaller. She called it a “nightmare.”\u003c/p>\n\u003cp>Garcia, who now works as a medical assistant at Kaiser Permanente, said she was unemployed when she took out her car title loan. She had six kids. Gas prices were high. Christmas was coming. Credit seemed like the only option — and it was ubiquitous.\u003c/p>\n\u003cp>“Everywhere you drive you see these freaking signs: ‘Get a loan,’ ‘Get a loan,’ ‘Get a loan,” she said. “It sounds great. It sounds like, ‘well, shoot, if they’re willing to help me, why not?’ But no. It’s not. They’re not helping you at all.”\u003c/p>\n\u003cp>In 2014, Garcia borrowed $3,200 from LoanMart. She remembers sitting in her kitchen one morning when she heard the sound of jangling chains on the street. She said she raced outside to grab her toddler’s car seat before her Chevy Suburban was towed away.\u003c/p>\n\u003cp>Garcia said she remembers spending hundreds each month, but doesn’t recall the loan’s exact percentage rate.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/229fba0d-20d2-42cb-a048-aea188605ca3?src=embed\" title=\"Where the money goes\" width=\"550\" height=\"1633\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>That’s not uncommon, said Rosie Papazian, who manages the personal finance program at New Economics for Women, a Los Angeles non-profit. Many clients are reluctant to dig into the details of their own financial situation, either out of shame or a lack of understanding.\u003c/p>\n\u003cp>“They think, ‘Gosh, it’s been three years and I’m still paying off this loan and I don’t really know why.’”\u003c/p>\n\u003cp>A third of high-cost loans end in default, according to one legislative analysis.\u003c/p>\n\u003cp>Consumer advocates say there would be fewer defaults — which can trash a borrower’s credit score even as collections agencies continue to seek repayment — if only lenders offered lower rates. Lenders counter that so many of their borrowers fail to pay back the loans because they are, by definition, in dire financial straits.\u003c/p>\n\u003cp>“Nobody wants to run a lending operation that has a high number of defaults,” said Salazar. But “it’s a risky customer base,” she noted.\u003c/p>\n\u003cp>Even if roughly 40% of customers are defaulting — as is the case with CashCall, according to court \u003ca href=\"https://www.courtlistener.com/recap/gov.uscourts.cand.204763.170.0.pdf\" target=\"_blank\">documents\u003c/a> from an ongoing class-action lawsuit against the lender — the remaining 60% are using the product “effectively,” said Jackson of the Online Lenders Association.\u003c/p>\n\u003cp>She added that the proposed rate cap would make it impossible for her members to lend to the most financially desperate customers.\u003c/p>\n\u003cp>“People find ways to work around some prohibition. Look at what happened when we banned alcohol,” she said.\u003c/p>\n\u003cp>One 2016 \u003ca href=\"https://www.journals.uchicago.edu/doi/10.1086/686033\" target=\"_blank\">study\u003c/a> found that states where payday loan restrictions went into effect saw a 60 percent increase in pawnshop loans, which are typically more expensive. Another \u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1032621\" target=\"_blank\">study\u003c/a> found more bounced checks, more complaints of abusive lending, more bankruptcy.\u003c/p>\n\u003cp>Tatiana Homonoff, a New York University professor and an author of the 2016 study, said the response to a bill like Limón’s could be different, since payday loans are smaller and have a wider array of substitutes. But it’s important to think through the consequences, she said: “When these loans aren’t available, what do people do instead?”\u003c/p>\n\u003cp>Here’s how state Sen. Ben Hueso, a moderate Democrat from San Diego County who opposes a rate cap, framed the dilemma:\u003c/p>\n\u003cp>“What do I prefer?” he said. “That we have people that are defaulting on loans? Or people that are getting their knees broken?”\u003c/p>\n\u003cp>Not everyone agrees that lenders need to charge triple-digit interest rates to serve low-income borrowers. That includes some lenders.\u003c/p>\n\u003cp>If Limón’s bill were to become law “collectively we will be able to serve those consumers,” said Ezra Garrett, a vice president at Oportun, one of the more than a dozen lenders in California who offer consumer loans between $300 and $2,500, subjecting themselves to the state’s tight-interest caps.\u003c/p>\n\u003cp>But high-cost lenders argue the Oportuns of the state would not be able to profitably serve the state’s riskiest borrowers.\u003c/p>\n\u003cp>Last year, two state rate-cap bills \u003ca href=\"https://calmatters.org/articles/predatory-payday-lending-california/\" target=\"_blank\">failed\u003c/a> — stymied by a coalition of Republicans and business-friendly Democrats. But the political climate has shifted.\u003c/p>\n\u003cp>Last August, the state Supreme Court \u003ca href=\"https://law.justia.com/cases/california/supreme-court/2018/s241434.html\" target=\"_blank\">raised\u003c/a> new questions about the legality of high-cost loans — without specifying what interest threshold would be too much. There’s also some anxiety over a potential ballot fight, which Garrett called the “sledgehammer approach.” The prospect of unending litigation or voter-imposed mandates has pushed more lenders, including OneMain Financial and Lendmark Financial Services, to back Limón’s bill.\u003c/p>\n\u003cp>In the first quarter of this year, lenders opposed to the bill have outspent those in favor on lobbying by more than 3-to-1. But for now, the political odds may have tilted in the bill’s favor.\u003c/p>\n\u003cp>Assembly Speaker Anthony Rendon has called such loans “salt water in the desert —a thirsty person will drink it, but they will not be better off.”\u003c/p>\n\u003cp>With so much support in the Assembly, lobbyists on both sides are preparing for the real fight in the Senate, where moderate Democrats skeptical of the proposal are well represented in the Banking and Finance Committee. Tom Dresslar, a retired deputy commissioner at the Department of Business Oversight, called that committee “the industry’s last best hope to preserve this system of exploitation.”\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>CALmatters.org is a nonprofit, nonpartisan media venture explaining California policies and politics.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11747607/as-more-californians-borrow-at-skyrocketing-interest-rates-will-state-crack-down-on-predatory-lending","authors":["byline_news_11747607"],"categories":["news_1758","news_8","news_13"],"tags":["news_23853","news_20704"],"featImg":"news_11747632","label":"source_news_11747607"},"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":""},"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_11425165":{"type":"posts","id":"news_11425165","meta":{"index":"posts_1591205157","site":"news","id":"11425165","score":null,"sort":[1493407439000]},"guestAuthors":[],"slug":"low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky","title":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?","publishDate":1493407439,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\"Buy a Home, 1% Down, Free Recorded Message,\" reads a sign at the edge of a vacant lot in the scrappy working-class town of Bloomington near Riverside.\u003c/p>\n\u003cp>It's a tempting pitch. But it sounds a little suspicious to those who remember subprime lenders and the \u003ca href=\"https://www.federalreservehistory.org/essays/subprime_mortgage_crisis\" target=\"_blank\">mortgage meltdown.\u003c/a>\u003c/p>\n\u003cp>Inland Southern California became something of a poster child for the housing crisis that sunk scores of homeowners, wiped out a booming construction sector, shredded city and county budgets, and contributed to a spectacular \u003ca href=\"http://www.cacb.uscourts.gov/case-of-interest/city-san-bernardino\" target=\"_blank\">municipal bankruptcy\u003c/a> in San Bernardino.\u003c/p>\n\u003cp>I called the phone number on the sign.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message. “Buying a home has never been easier. Here's how it works. You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>I don’t leave a message. But somehow I get a call back anyway from a broker based in L.A. who says he’s authorized to sell these new 1 percent down home loans through \u003ca href=\"https://www.uwm.com/mortgage-products/conventional-loans/1-percent-down\" target=\"_blank\">United Wholesale Mortgage.\u003c/a>\u003c/p>\n\u003cp>It's a licensed private lender in Michigan.\u003c/p>\n\u003cp>When I tell him I'm just fishing for information and not looking for a new mortgage, he’s reluctant to say much more. So I pay a visit to the storefront mortgage company of veteran broker \u003ca href=\"https://www.facebook.com/tims.teresa/\" target=\"_blank\">Theresa Tims\u003c/a> in the leafy business district of Upland, about 30 minutes outside L.A.\u003c/p>\n\u003cp>The social media-savvy Tims has produced video explainers about 1 percent down and other loan programs \u003ca href=\"https://www.youtube.com/channel/UC2fXzz9yozD3LK2Secfa9Zg\" target=\"_blank\">on her YouTube channel\u003c/a>.\u003c/p>\n\u003cp>https://www.youtube.com/watch?v=wBGpZeqnpoY\u003c/p>\n\u003cp>\"I specialize in these low down loan type of programs and they fit our area perfectly,\" Tims tells me during an interview her assistant simultaneously webcasts on Facebook.\u003c/p>\n\u003cp>Tims does a lot of business in the Riverside-San Bernardino area, the Inland Empire, where median home prices are still comparatively cheap: about $300,000 for a basic three- or even four-bedroom home. That's less than half the \u003ca href=\"https://www.zillow.com/orange-county-ca/home-values/\" target=\"_blank\">median price\u003c/a> in neighboring Orange County.\u003c/p>\n\u003cp>\"Right now one of the only feasible programs is the 1 percent down with equity boost,\" says Tims.\u003c/p>\n\u003cp>She has been offering 1 percent down conventional loans since late last year, when they first became available through \u003ca href=\"https://www.uwm.com/\" target=\"_blank\">United Wholesale Mortgage\u003c/a> and its Detroit-based rival \u003ca href=\"https://www.quickenloans.com/blog/quicken-loans-offers-1-down-payment-option\" target=\"_blank\">Quicken Loans.\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_11425240\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425240\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg\" alt=\"Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1020x766.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1180x886.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-960x721.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The basic arithmetic is pretty straightforward.\u003c/p>\n\u003cp>Say you’re buying a $400,000 house in Riverside. You put down $4,000 -- that’s the 1 percent. The lender kicks in $8,000 -- that’s the 2 percent \"grant.' And that gets you to the 3 percent threshold required to qualify for federally backed mortgage insurance.\u003c/p>\n\u003cp>The loans are typically marketed to mid-income borrowers without a lot of cash on hand.\u003c/p>\n\u003cp>“It's very common for somebody to be able to come up with $4,000 or $5,000 [for a down payment]... $8,000 to $10,000 is a little bit of a push,” says Tims. “Unless they get some kind of inheritance or they've been saving since like age 13.”\u003c/p>\n\u003caside class=\"pullquote alignright\">'Now we’re not just throwing the money up in the air.'\u003ccite>Abraham Bustillos, new homeowner\u003c/cite>\u003c/aside>\n\u003cp>Right around Christmas, Abraham Bustillos moved his wife and three kids into a 1,300-square-foot home in Riverside with one of these 1 percent down conventional loans.\u003c/p>\n\u003cp>“We were thinking we were going to need at least $15,000 to $20,000,” Bustillos tells me. \"So to go from that to just $6,000 [down payment], we were able to move into the home.\"\u003c/p>\n\u003cp>The balance on Bustillos’ loan is around $350,000 stretched over a 30-year fixed mortgage.\u003c/p>\n\u003cp>“Yes, it is a little bit more than we were paying as renters,” says Bustillos, a FedEx delivery driver. \"But at the same time, now we’re not just throwing the money up in the air or paying the owner’s mortgage for him. You know, money is going into us.\"\u003c/p>\n\u003cp>One advantage to these 1 percent down loans is that traditional bank lenders may require heftier minimum down payments, higher minimum incomes and flawless credit scores.\u003c/p>\n\u003cp>Big non-bank lenders like United Wholesale and Quicken are filling the vacuum and scooping up customers who may not have cash for the more traditional 20 percent down payment -- or maybe just have good but not golden credit scores.\u003c/p>\n\u003cp>United Wholesale Mortgage declined to comment for this story over concerns it might make 1 percent down loans look risky.\u003c/p>\n\u003cp>But housing finance expert \u003ca href=\"https://www.aei.org/scholar/edward-j-pinto/\" target=\"_blank\">Edward Pinto\u003c/a> at the \u003ca href=\"https://www.aei.org/policy/economics/housing-finance/\" target=\"_blank\">American Enterprise Institute\u003c/a> in Washington, D.C., says they can be.\u003c/p>\n\u003cp>\"Unless you have reliable house price increases, you're going to be in trouble for many years,\" says Pinto.\u003c/p>\n\u003cp>Trouble as in your monthly payments will be pretty steep and it’ll take awhile to build up equity in your property.\u003c/p>\n\u003caside class=\"pullquote alignright\">'If anything happens like they lose their job, they have no cushion to fall back on.'\u003ccite>Edward Pinto, housing finance expert\u003c/cite>\u003c/aside>\n\u003cp>\"Within California, the most volatile metropolitan area for housing is Riverside-San Bernardino,\" Pinto explains. \"And so if you're buying a home in one of these areas with a very low down payment and then other risk factors are present, if anything happens like they lose their job, they have no cushion to fall back on.\"\u003c/p>\n\u003cp>Pinto says a bigger appetite for risk has led to problems for some non-bank lenders dealing in low down payment loans.\u003c/p>\n\u003cp>Two years ago, the U.S. Department of Justice \u003ca href=\"https://www.justice.gov/opa/pr/united-states-files-lawsuit-alleging-quicken-loans-improperly-originated-and-underwrote\" target=\"_blank\">sued both Quicken Loans \u003c/a>and \u003ca href=\"http://www.latimes.com/business/la-fi-mortgage-settlement-20170410-story.html\" target=\"_blank\">United Shore Financial Services\u003c/a>, the parent company of United Wholesale Mortgage.\u003c/p>\n\u003cp>Federal prosecutors say between 2006 and 2012, the companies wrongly certified hundreds of low down payment loan applications insured through a Federal Housing Administration program (different from the 1 percent down conventional loans Quicken and United began offering last year). The government alleges that when the loans went bad, taxpayers were on the hook for millions of dollars in losses.\u003c/p>\n\u003cp>United \u003ca href=\"https://www.justice.gov/opa/pr/united-shore-financial-services-llc-agrees-pay-48-million-resolve-alleged-false-claims-act\" target=\"_blank\">settled\u003c/a> its case last year after paying a $48 million penalty. \u003ca href=\"http://www.mortgageorb.com/quicken-loans-small-victory-might-not-small\" target=\"_blank\">Quicken is fighting\u003c/a> the charges in court.\u003c/p>\n\u003cp>Shortly after the lawsuits were filed, then-\u003ca href=\"https://www.youtube.com/watch?v=r7QbXrCWf4g\" target=\"_blank\">Quicken CEO Bill Emerson told Fox Business\u003c/a> the government actions would stifle affordable loan programs targeting mid- and low-income borrowers.\u003c/p>\n\u003cfigure id=\"attachment_11425179\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425179\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg\" alt=\"For sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">For-sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“It's absolutely driven a lot of financial institutions away from the FHA program for sure,” said Emerson. \"And you know who suffers from that. It’s the American consumer, the middle class who depend on the FHA program.\"\u003c/p>\n\u003cp>Housing risk expert Ed Pinto says these days, the majority of people buying a home for the first time in the U.S. are using FHA, 1 percent down and other types of low down payment programs.\u003c/p>\n\u003cp>\"And this group of low down payment loans is growing very rapidly,” says Pinto. “Seventy percent of all first-time homebuyers today have down payments of \u003ca href=\"https://themortgagereports.com/22592/ellie-mae-report-home-buyers-making-smaller-mortgage-down-payments\" target=\"_blank\">less than 5 percent\u003c/a>.\"\u003c/p>\n\u003cp>Despite the potential drawbacks, these loans remain the last best option in places like San Bernardino, a city still clawing its way back from a crushing foreclosure crisis and that municipal bankruptcy. It’s also a city where home ownership remains far below the national average.\u003c/p>\n\u003cp>\"Instead of being in a mobile home park, we said let's go and be homeowners,\" says Isabel Montanez.\u003c/p>\n\u003cp>I met her with her two young sons outside her modest two-bedroom San Bernardino home abutting a pair of auto repair shops. The single mom just purchased the home after qualifying for a low down payment FHA loan.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\"I signed the documents April 5, and before June I’ll be in,\" she says proudly, before explaining how she plans to expand the home and move in a couple of relatives to help offset mortgage payments and other costs associated with home ownership.\u003c/p>\n\n","blocks":[],"excerpt":"In the Inland Empire, 1 percent down loans are helping low-income buyers get into a home. But could they lead to another mortgage meltdown?","status":"publish","parent":0,"modified":1493418686,"stats":{"hasAudio":false,"hasVideo":true,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":42,"wordCount":1389},"headData":{"title":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky? | KQED","description":"In the Inland Empire, 1 percent down loans are helping low-income buyers get into a home. But could they lead to another mortgage meltdown?","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11425165 https://ww2.kqed.org/news/?p=11425165","disqusUrl":"https://ww2.kqed.org/news/2017/04/28/low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky/","disqusTitle":"Low Down Payment Loans Give Homebuyers Hope, But Is It Too Risky?","audioUrl":"http://www.kqed.org/.stream/anon/radio/tcr/2017/04/2017-04-26a-tcr.mp3","guestFields":"0","path":"/news/11425165/low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\"Buy a Home, 1% Down, Free Recorded Message,\" reads a sign at the edge of a vacant lot in the scrappy working-class town of Bloomington near Riverside.\u003c/p>\n\u003cp>It's a tempting pitch. But it sounds a little suspicious to those who remember subprime lenders and the \u003ca href=\"https://www.federalreservehistory.org/essays/subprime_mortgage_crisis\" target=\"_blank\">mortgage meltdown.\u003c/a>\u003c/p>\n\u003cp>Inland Southern California became something of a poster child for the housing crisis that sunk scores of homeowners, wiped out a booming construction sector, shredded city and county budgets, and contributed to a spectacular \u003ca href=\"http://www.cacb.uscourts.gov/case-of-interest/city-san-bernardino\" target=\"_blank\">municipal bankruptcy\u003c/a> in San Bernardino.\u003c/p>\n\u003cp>I called the phone number on the sign.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message. “Buying a home has never been easier. Here's how it works. You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.\"\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>I don’t leave a message. But somehow I get a call back anyway from a broker based in L.A. who says he’s authorized to sell these new 1 percent down home loans through \u003ca href=\"https://www.uwm.com/mortgage-products/conventional-loans/1-percent-down\" target=\"_blank\">United Wholesale Mortgage.\u003c/a>\u003c/p>\n\u003cp>It's a licensed private lender in Michigan.\u003c/p>\n\u003cp>When I tell him I'm just fishing for information and not looking for a new mortgage, he’s reluctant to say much more. So I pay a visit to the storefront mortgage company of veteran broker \u003ca href=\"https://www.facebook.com/tims.teresa/\" target=\"_blank\">Theresa Tims\u003c/a> in the leafy business district of Upland, about 30 minutes outside L.A.\u003c/p>\n\u003cp>The social media-savvy Tims has produced video explainers about 1 percent down and other loan programs \u003ca href=\"https://www.youtube.com/channel/UC2fXzz9yozD3LK2Secfa9Zg\" target=\"_blank\">on her YouTube channel\u003c/a>.\u003c/p>\u003c/p>\u003cp>\u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutube'>\n \u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutubeInside'>\n \u003ciframe\n loading='lazy'\n class='utils-parseShortcode-shortcodes-__youtubeShortcode__youtubePlayer'\n type='text/html'\n src='//www.youtube.com/embed/wBGpZeqnpoY'\n title='//www.youtube.com/embed/wBGpZeqnpoY'\n allowfullscreen='true'\n style='border:0;'>\u003c/iframe>\n \u003c/span>\n \u003c/span>\u003c/p>\u003cp>\u003cp>\"I specialize in these low down loan type of programs and they fit our area perfectly,\" Tims tells me during an interview her assistant simultaneously webcasts on Facebook.\u003c/p>\n\u003cp>Tims does a lot of business in the Riverside-San Bernardino area, the Inland Empire, where median home prices are still comparatively cheap: about $300,000 for a basic three- or even four-bedroom home. That's less than half the \u003ca href=\"https://www.zillow.com/orange-county-ca/home-values/\" target=\"_blank\">median price\u003c/a> in neighboring Orange County.\u003c/p>\n\u003cp>\"Right now one of the only feasible programs is the 1 percent down with equity boost,\" says Tims.\u003c/p>\n\u003cp>She has been offering 1 percent down conventional loans since late last year, when they first became available through \u003ca href=\"https://www.uwm.com/\" target=\"_blank\">United Wholesale Mortgage\u003c/a> and its Detroit-based rival \u003ca href=\"https://www.quickenloans.com/blog/quicken-loans-offers-1-down-payment-option\" target=\"_blank\">Quicken Loans.\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_11425240\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425240\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg\" alt=\"Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1020x766.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-1180x886.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-960x721.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-rent-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Inland Southern California’s foreclosure crisis has led cities like San Bernardino to become largely a city of renters. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The basic arithmetic is pretty straightforward.\u003c/p>\n\u003cp>Say you’re buying a $400,000 house in Riverside. You put down $4,000 -- that’s the 1 percent. The lender kicks in $8,000 -- that’s the 2 percent \"grant.' And that gets you to the 3 percent threshold required to qualify for federally backed mortgage insurance.\u003c/p>\n\u003cp>The loans are typically marketed to mid-income borrowers without a lot of cash on hand.\u003c/p>\n\u003cp>“It's very common for somebody to be able to come up with $4,000 or $5,000 [for a down payment]... $8,000 to $10,000 is a little bit of a push,” says Tims. “Unless they get some kind of inheritance or they've been saving since like age 13.”\u003c/p>\n\u003caside class=\"pullquote alignright\">'Now we’re not just throwing the money up in the air.'\u003ccite>Abraham Bustillos, new homeowner\u003c/cite>\u003c/aside>\n\u003cp>Right around Christmas, Abraham Bustillos moved his wife and three kids into a 1,300-square-foot home in Riverside with one of these 1 percent down conventional loans.\u003c/p>\n\u003cp>“We were thinking we were going to need at least $15,000 to $20,000,” Bustillos tells me. \"So to go from that to just $6,000 [down payment], we were able to move into the home.\"\u003c/p>\n\u003cp>The balance on Bustillos’ loan is around $350,000 stretched over a 30-year fixed mortgage.\u003c/p>\n\u003cp>“Yes, it is a little bit more than we were paying as renters,” says Bustillos, a FedEx delivery driver. \"But at the same time, now we’re not just throwing the money up in the air or paying the owner’s mortgage for him. You know, money is going into us.\"\u003c/p>\n\u003cp>One advantage to these 1 percent down loans is that traditional bank lenders may require heftier minimum down payments, higher minimum incomes and flawless credit scores.\u003c/p>\n\u003cp>Big non-bank lenders like United Wholesale and Quicken are filling the vacuum and scooping up customers who may not have cash for the more traditional 20 percent down payment -- or maybe just have good but not golden credit scores.\u003c/p>\n\u003cp>United Wholesale Mortgage declined to comment for this story over concerns it might make 1 percent down loans look risky.\u003c/p>\n\u003cp>But housing finance expert \u003ca href=\"https://www.aei.org/scholar/edward-j-pinto/\" target=\"_blank\">Edward Pinto\u003c/a> at the \u003ca href=\"https://www.aei.org/policy/economics/housing-finance/\" target=\"_blank\">American Enterprise Institute\u003c/a> in Washington, D.C., says they can be.\u003c/p>\n\u003cp>\"Unless you have reliable house price increases, you're going to be in trouble for many years,\" says Pinto.\u003c/p>\n\u003cp>Trouble as in your monthly payments will be pretty steep and it’ll take awhile to build up equity in your property.\u003c/p>\n\u003caside class=\"pullquote alignright\">'If anything happens like they lose their job, they have no cushion to fall back on.'\u003ccite>Edward Pinto, housing finance expert\u003c/cite>\u003c/aside>\n\u003cp>\"Within California, the most volatile metropolitan area for housing is Riverside-San Bernardino,\" Pinto explains. \"And so if you're buying a home in one of these areas with a very low down payment and then other risk factors are present, if anything happens like they lose their job, they have no cushion to fall back on.\"\u003c/p>\n\u003cp>Pinto says a bigger appetite for risk has led to problems for some non-bank lenders dealing in low down payment loans.\u003c/p>\n\u003cp>Two years ago, the U.S. Department of Justice \u003ca href=\"https://www.justice.gov/opa/pr/united-states-files-lawsuit-alleging-quicken-loans-improperly-originated-and-underwrote\" target=\"_blank\">sued both Quicken Loans \u003c/a>and \u003ca href=\"http://www.latimes.com/business/la-fi-mortgage-settlement-20170410-story.html\" target=\"_blank\">United Shore Financial Services\u003c/a>, the parent company of United Wholesale Mortgage.\u003c/p>\n\u003cp>Federal prosecutors say between 2006 and 2012, the companies wrongly certified hundreds of low down payment loan applications insured through a Federal Housing Administration program (different from the 1 percent down conventional loans Quicken and United began offering last year). The government alleges that when the loans went bad, taxpayers were on the hook for millions of dollars in losses.\u003c/p>\n\u003cp>United \u003ca href=\"https://www.justice.gov/opa/pr/united-shore-financial-services-llc-agrees-pay-48-million-resolve-alleged-false-claims-act\" target=\"_blank\">settled\u003c/a> its case last year after paying a $48 million penalty. \u003ca href=\"http://www.mortgageorb.com/quicken-loans-small-victory-might-not-small\" target=\"_blank\">Quicken is fighting\u003c/a> the charges in court.\u003c/p>\n\u003cp>Shortly after the lawsuits were filed, then-\u003ca href=\"https://www.youtube.com/watch?v=r7QbXrCWf4g\" target=\"_blank\">Quicken CEO Bill Emerson told Fox Business\u003c/a> the government actions would stifle affordable loan programs targeting mid- and low-income borrowers.\u003c/p>\n\u003cfigure id=\"attachment_11425179\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11425179\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg\" alt=\"For sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-2-house-sale-close-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">For-sale signs dot neighborhoods across San Bernardino. Despite comparatively low prices, home ownership remains out of reach for many locals. \u003ccite>(Leslie Berestein Rojas/KPCC)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“It's absolutely driven a lot of financial institutions away from the FHA program for sure,” said Emerson. \"And you know who suffers from that. It’s the American consumer, the middle class who depend on the FHA program.\"\u003c/p>\n\u003cp>Housing risk expert Ed Pinto says these days, the majority of people buying a home for the first time in the U.S. are using FHA, 1 percent down and other types of low down payment programs.\u003c/p>\n\u003cp>\"And this group of low down payment loans is growing very rapidly,” says Pinto. “Seventy percent of all first-time homebuyers today have down payments of \u003ca href=\"https://themortgagereports.com/22592/ellie-mae-report-home-buyers-making-smaller-mortgage-down-payments\" target=\"_blank\">less than 5 percent\u003c/a>.\"\u003c/p>\n\u003cp>Despite the potential drawbacks, these loans remain the last best option in places like San Bernardino, a city still clawing its way back from a crushing foreclosure crisis and that municipal bankruptcy. It’s also a city where home ownership remains far below the national average.\u003c/p>\n\u003cp>\"Instead of being in a mobile home park, we said let's go and be homeowners,\" says Isabel Montanez.\u003c/p>\n\u003cp>I met her with her two young sons outside her modest two-bedroom San Bernardino home abutting a pair of auto repair shops. The single mom just purchased the home after qualifying for a low down payment FHA loan.\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>\"I signed the documents April 5, and before June I’ll be in,\" she says proudly, before explaining how she plans to expand the home and move in a couple of relatives to help offset mortgage payments and other costs associated with home ownership.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11425165/low-down-payment-loans-give-homebuyers-hope-but-is-it-too-risky","authors":["2600"],"programs":["news_72"],"categories":["news_1758","news_6266","news_8"],"tags":["news_69","news_18180","news_4032","news_2766","news_20704","news_137","news_2717","news_17286"],"featImg":"news_11425166","label":"news_72"},"news_11418523":{"type":"posts","id":"news_11418523","meta":{"index":"posts_1591205157","site":"news","id":"11418523","score":null,"sort":[1493154086000]},"guestAuthors":[],"slug":"10-years-after-housing-crash-families-finally-make-it-on-dream-street","title":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","publishDate":1493154086,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>Augie Cortez and his wife, Blanca, bought a little slice of the American Dream about 17 years ago in Bloomington, a working-class community in San Bernardino about 50 miles east of Los Angeles.\u003c/p>\n\u003cp>Their roomy four-bedroom house was the very first on the block of a brand-new subdivision not unlike scores of others that began carpeting Inland Southern California toward the end of the 1990s.\u003c/p>\n\u003cp>The Cortezes gathered up their savings and managed to put up a healthy down payment on a 15-year mortgage. After a couple of other home purchasing efforts collapsed, they were eager to make this one stick and they wanted to pay it off fast.\u003c/p>\n\u003cp>Monthly payments would be high. But the name of the little cul-de-sac seemed like a good omen: \u003ca href=\"https://www.google.com/maps/@34.0621667,-117.3957405,3a,75y,144.34h,60.9t/data=!3m6!1e1!3m4!1sTLzuz0fGR8FQ5Cznj9CJSQ!2e0!7i13312!8i6656!6m1!1e1\" target=\"_blank\">Dream Street\u003c/a>.\u003c/p>\n\u003cp>“I thought that was a cool name! I don’t think I’d ever heard of a Dream Street. Have you?\" Cortez asks as he sits at an expansive table in the family's dining room.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>And for a while, the dream was good.\u003c/p>\n\u003cfigure id=\"attachment_11418633\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418633\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg\" alt=\"When Augie Cortez’ moved his family into its new Dream Street home he redid all the outside cement work with the help of friends and family.\" width=\"800\" height=\"538\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-160x108.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1020x685.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1180x793.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-960x645.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-375x252.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-520x349.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">When Augie Cortez moved his family into its new Dream Street home, he redid all the outside cement work with the help of friends and family. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Augie works in construction as a cement finisher, and when he first bought his home, business was booming in the Inland Empire. After moving his wife and kids into the new house, he had enough extra cash to redo all the cement work along the sides of the house and the back patio.\u003c/p>\n\u003cp>There’s a family portrait taken the day his three daughters pressed some memories into the wet cement. While showing off his property, he points to the spot just outside a garage side door.\u003c/p>\n\u003cp>“Those are my daughters' handprints,” he says, beaming with pride. \"Man, those are my daughters' handprints right there. Nov. 27, 1999.\"\u003c/p>\n\u003cfigure id=\"attachment_11418635\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418635\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg\" alt=\"Augie Cortez’ daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \" width=\"800\" height=\"535\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1020x682.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1180x789.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-960x642.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-375x251.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-520x348.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez’s daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Easy Credit Dragged Everyone Down\u003c/h3>\n\u003cp>With so much homebuilding going on, it was easy for just about anyone to get a mortgage back then, even if you had shaky credit or no job at all. Low-income minority neighborhoods like the ones around Dream Street were ripe targets for subprime lenders.\u003c/p>\n\u003cp>Augie and his wife had a sound conventional loan, but still got dragged under in a housing crisis that would ultimately steamroll through neighborhoods across the country.\u003c/p>\n\u003cp>\"It impacted other people who own homes who were current, and the value of their homes went down,\" says Edward Pinto, co-director of the International Center on Housing Risk at the \u003ca href=\"http://www.aei.org/\">American Enterprise Institute, \u003c/a>a conservative think tank in Washington, D.C.\u003c/p>\n\u003cp>“Areas that have a lot of foreclosures and very seriously delinquent loans have an impact on declining house prices, so it spreads throughout the neighborhood,” Pinto says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night.'\u003ccite>Augie Cortez\u003c/cite>\u003c/aside>\n\u003cp>In 2006, the last of the brand-new homes on Dream Street sold for about $430,000. Three years later, at the peak of the mortgage meltdown, the same home was worth barely a quarter of that.\u003c/p>\n\u003cp>It was the same story up and down the block and across the region as the bubble burst on the housing market and people couldn't afford their mortgages. Even people like Augie Cortez, who didn’t have mortgages spring-loaded with dangerous adjustable rates and hidden fees, were dragged down.\u003c/p>\n\u003cp>Construction work vanished and Cortez's cement finishing jobs dried up.\u003c/p>\n\u003cfigure id=\"attachment_11418640\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418640 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg\" alt=\"Augie Cortez stands outside his home and says he's glad he stayed now that Dream Street is finally recovering.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez stands outside his home and says he's glad he stayed, now that Dream Street is recovering from the mortgage meltdown. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“I was trying to do the fast payoff and it was like, why did we get into this, a 15-year loan,” he says, recalling the painful days when the family seemed close to losing the house.\u003c/p>\n\u003cp>“You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night,” says Cortez grimly.\u003c/p>\n\u003cp>To put food on the table Cortez sold lumber and other items online. He did odd jobs for neighbors. Mortgage payments got skipped for months. Default notices were dropping into mailboxes across the neighborhood -- including his own.\u003c/p>\n\u003cp>\"Just walk away, that’s what people were doing, just walking away,\" he says, recalling what it was like then.\u003c/p>\n\u003cp>\"It was weird man, just empty houses. It was sad to see people pack their stuff. But I wasn’t going to do that. Not me, heck no. I would have stayed here until they put that (eviction) tag on my door,\" he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off.'\u003ccite>Doug McCulloh, photojournalist\u003c/cite>\u003c/aside>\n\u003cp>Augie and his wife worked out a deal with their lender. Their 15-year mortgage was extended to 20 years, and the lender agreed to let them make lower minimum monthly payments for a fixed period.\u003c/p>\n\u003cp>But they were surrounded by the wreckage of the mortgage meltdown. By the end of 2009, half of Dream Street’s original 13 owners had either been pushed out or foreclosed on.\u003c/p>\n\u003cp>\"The foreclosure meltdown swept across this entire area and up and down Dream Street like a tsunami in spring of 2009,\" says photojournalist \u003ca href=\"http://www.pe.com/2014/03/28/artist-spotlight-douglas-mcculloh/\">Doug McCulloh\u003c/a>.\u003c/p>\n\u003cp>McCulloh lives in nearby Riverside. But his connection to Dream Street runs deep. He’s the one who gave the little avenue its name. It was a prize at a San Bernardino County charity auction. McCulloh says the come-on was irresistible: name a street, minimum bid $25.\u003c/p>\n\u003cp>\"My immediate thought is: It's the American Dream, it's your dream house and so on,\" says McCulloh.\u003c/p>\n\u003cp>Then, reflecting on what happened there, he adds, \"A nightmare is kind of a dream, too. So dreams can cut in all directions, can be all kinds of things. And it's turned out to be that here on Dream Street.\"\u003c/p>\n\u003cfigure id=\"attachment_11418637\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418637\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg\" alt=\"Most of the streets around Dream Street have western-themed names.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Most of the streets around Dream Street have western-themed names. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>McCulloh also won permission from the developer to document the housing tract’s rise from plowed-over fruit orchard to model suburbia to ground zero of the mortgage crisis. He got to know the construction workers, the development company and mortgage team, and the residents.\u003c/p>\n\u003cp>McCulloh tells the story of the last family to move onto Dream Street. They bought near the peak of the housing boom and couldn’t hang on. When the notice to vacate got slapped on the door, they salvaged what they could.\u003c/p>\n\u003cp>\"Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off,\" recalls McCulloh.\u003c/p>\n\u003cp>\"Two months later they got a family member who had good credit, they bottom-fished the market. They bought a house about a mile away. The palm trees, they planted them at their new house.\"\u003c/p>\n\u003cp>On a recent Saturday afternoon, McCulloh catches up with Augie Cortez and his brother, Johnny, on the sidewalk outside Cortez’s home. Neighbor Jerry Williams pulls his pickup truck into his driveway. He waves and heads over.\u003c/p>\n\u003cfigure id=\"attachment_11418642\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418642 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg\" alt=\"Augie Cortez (r) and his brother outside Cortez’ Dream Street home.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez (R) and his brother, Johnny, (L) outside Cortez’s Dream Street home. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Williams is a burly long-haul truck driver with a shaggy, graying beard and wide smile. He and his wife Kelley, also a truck driver, moved in around the same time as Cortez and his wife. He complains about some kids that recently tagged a couple of fences. Other than the minor graffiti, all is good here, he says.\u003c/p>\n\u003cp>\"Pretty quiet. You see how it is man,\" he says, nodding to the tidy cul-de-sac. “We like it, it works for us.”\u003c/p>\n\u003cp>These days all the houses on Dream Street are occupied. No more busted-out windows or dead lawns; the emblems of the foreclosure crisis.\u003c/p>\n\u003cp>\"I guess it was a dream,\" laughs Augie Cortez. “Actually got to keep (the house), shoot. That’s what’s good.”\u003c/p>\n\u003cp>But in a sense it’s a dream half-realized. From his front yard we look across to a pair of large dusty vacant lots.\u003c/p>\n\u003cp>No houses were ever built on the \u003cem>other\u003c/em> side of Dream Street.\u003c/p>\n\u003cp>It’s undeveloped county land that, at the time the housing tract was developed, was to be the site of a park and library. The developers even dangled the county project as a selling point to would-be home buyers like Cortez.\u003c/p>\n\u003cp>“So that sounded good for my girls, like 'wow' perfect,” Cortez says.\u003c/p>\n\u003cp>“And there’s the park and library,” he says, pointing to the vacant land. When everyone looks to see where Cortez is pointing, he drops the punch line.\u003c/p>\n\u003cp>“It’s invisible!”\u003c/p>\n\u003cp>A San Bernardino County spokesman says the land turned out to be too narrow for a park.\u003c/p>\n\u003cp>County tax revenue also plummeted with housing values during the housing market crash. There are currently no plans for the empty lots.\u003c/p>\n\u003cfigure id=\"attachment_11418647\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418647\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg\" alt=\"A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Some people were betting that the bubble would go on, and of course it couldn't,” says photographer McCulloh. “Other people bet against the bubble. So the one thing you can say is there will be another spot where hanging onto the dream gets really, really hard.”\u003c/p>\n\u003cp>Local real estate experts warn that Inland Empire housing is once again way overvalued, and overdue for a “correction.” Prices have surged to an unsustainable level in the last year, according to \u003ca href=\"http://www.nhsie.org/\" target=\"_blank\">Neighborhood Housing Services of the Inland Empire\u003c/a>, a nonprofit that helped guys like Augie hold onto their houses 10 years ago.\u003c/p>\n\u003cp>At the edge of those vacant lots, a sign lashed to a post beckons with a come-on that sounds a little suspicious, given what this neighborhood has survived over the last decade: “Buy a Home, 1% Down.”\u003c/p>\n\u003cfigure id=\"attachment_11418648\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418648\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg\" alt=\"A sign lashed to street post across from Dream Street beckons would be home buyers with a seemingly irresistible offer.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign lashed to street post across from Dream Street beckons would-be homebuyers with a seemingly irresistible offer. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>There’s no name for a real estate agent or mortgage broker. But there’s a local phone number. I give it a call.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message.\u003c/p>\n\u003cp>“Buying a home has never been easier! Here's how it works,” continues Emily. “You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>Emily asks me to leave my number and a good time to call back. I don't. But I do find out more about that sign, and about new trends in home loans that are stoking old fears.\u003c/p>\n\n","blocks":[],"excerpt":"The foreclosure crisis swept the Inland Empire, but some families managed to hang onto their homes.","status":"publish","parent":0,"modified":1493160643,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":53,"wordCount":1887},"headData":{"title":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street' | KQED","description":"The foreclosure crisis swept the Inland Empire, but some families managed to hang onto their homes.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11418523 https://ww2.kqed.org/news/?p=11418523","disqusUrl":"https://ww2.kqed.org/news/2017/04/25/10-years-after-housing-crash-families-finally-make-it-on-dream-street/","disqusTitle":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","audioUrl":"http://www.kqed.org/.stream/anon/radio/tcr/2017/04/2017-04-25a-tcr.mp3","guestFields":"0","path":"/news/11418523/10-years-after-housing-crash-families-finally-make-it-on-dream-street","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Augie Cortez and his wife, Blanca, bought a little slice of the American Dream about 17 years ago in Bloomington, a working-class community in San Bernardino about 50 miles east of Los Angeles.\u003c/p>\n\u003cp>Their roomy four-bedroom house was the very first on the block of a brand-new subdivision not unlike scores of others that began carpeting Inland Southern California toward the end of the 1990s.\u003c/p>\n\u003cp>The Cortezes gathered up their savings and managed to put up a healthy down payment on a 15-year mortgage. After a couple of other home purchasing efforts collapsed, they were eager to make this one stick and they wanted to pay it off fast.\u003c/p>\n\u003cp>Monthly payments would be high. But the name of the little cul-de-sac seemed like a good omen: \u003ca href=\"https://www.google.com/maps/@34.0621667,-117.3957405,3a,75y,144.34h,60.9t/data=!3m6!1e1!3m4!1sTLzuz0fGR8FQ5Cznj9CJSQ!2e0!7i13312!8i6656!6m1!1e1\" target=\"_blank\">Dream Street\u003c/a>.\u003c/p>\n\u003cp>“I thought that was a cool name! I don’t think I’d ever heard of a Dream Street. Have you?\" Cortez asks as he sits at an expansive table in the family's dining room.\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>And for a while, the dream was good.\u003c/p>\n\u003cfigure id=\"attachment_11418633\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418633\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg\" alt=\"When Augie Cortez’ moved his family into its new Dream Street home he redid all the outside cement work with the help of friends and family.\" width=\"800\" height=\"538\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-160x108.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1020x685.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1180x793.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-960x645.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-375x252.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-520x349.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">When Augie Cortez moved his family into its new Dream Street home, he redid all the outside cement work with the help of friends and family. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Augie works in construction as a cement finisher, and when he first bought his home, business was booming in the Inland Empire. After moving his wife and kids into the new house, he had enough extra cash to redo all the cement work along the sides of the house and the back patio.\u003c/p>\n\u003cp>There’s a family portrait taken the day his three daughters pressed some memories into the wet cement. While showing off his property, he points to the spot just outside a garage side door.\u003c/p>\n\u003cp>“Those are my daughters' handprints,” he says, beaming with pride. \"Man, those are my daughters' handprints right there. Nov. 27, 1999.\"\u003c/p>\n\u003cfigure id=\"attachment_11418635\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418635\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg\" alt=\"Augie Cortez’ daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \" width=\"800\" height=\"535\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1020x682.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1180x789.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-960x642.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-375x251.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-520x348.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez’s daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Easy Credit Dragged Everyone Down\u003c/h3>\n\u003cp>With so much homebuilding going on, it was easy for just about anyone to get a mortgage back then, even if you had shaky credit or no job at all. Low-income minority neighborhoods like the ones around Dream Street were ripe targets for subprime lenders.\u003c/p>\n\u003cp>Augie and his wife had a sound conventional loan, but still got dragged under in a housing crisis that would ultimately steamroll through neighborhoods across the country.\u003c/p>\n\u003cp>\"It impacted other people who own homes who were current, and the value of their homes went down,\" says Edward Pinto, co-director of the International Center on Housing Risk at the \u003ca href=\"http://www.aei.org/\">American Enterprise Institute, \u003c/a>a conservative think tank in Washington, D.C.\u003c/p>\n\u003cp>“Areas that have a lot of foreclosures and very seriously delinquent loans have an impact on declining house prices, so it spreads throughout the neighborhood,” Pinto says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night.'\u003ccite>Augie Cortez\u003c/cite>\u003c/aside>\n\u003cp>In 2006, the last of the brand-new homes on Dream Street sold for about $430,000. Three years later, at the peak of the mortgage meltdown, the same home was worth barely a quarter of that.\u003c/p>\n\u003cp>It was the same story up and down the block and across the region as the bubble burst on the housing market and people couldn't afford their mortgages. Even people like Augie Cortez, who didn’t have mortgages spring-loaded with dangerous adjustable rates and hidden fees, were dragged down.\u003c/p>\n\u003cp>Construction work vanished and Cortez's cement finishing jobs dried up.\u003c/p>\n\u003cfigure id=\"attachment_11418640\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418640 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg\" alt=\"Augie Cortez stands outside his home and says he's glad he stayed now that Dream Street is finally recovering.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez stands outside his home and says he's glad he stayed, now that Dream Street is recovering from the mortgage meltdown. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“I was trying to do the fast payoff and it was like, why did we get into this, a 15-year loan,” he says, recalling the painful days when the family seemed close to losing the house.\u003c/p>\n\u003cp>“You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night,” says Cortez grimly.\u003c/p>\n\u003cp>To put food on the table Cortez sold lumber and other items online. He did odd jobs for neighbors. Mortgage payments got skipped for months. Default notices were dropping into mailboxes across the neighborhood -- including his own.\u003c/p>\n\u003cp>\"Just walk away, that’s what people were doing, just walking away,\" he says, recalling what it was like then.\u003c/p>\n\u003cp>\"It was weird man, just empty houses. It was sad to see people pack their stuff. But I wasn’t going to do that. Not me, heck no. I would have stayed here until they put that (eviction) tag on my door,\" he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off.'\u003ccite>Doug McCulloh, photojournalist\u003c/cite>\u003c/aside>\n\u003cp>Augie and his wife worked out a deal with their lender. Their 15-year mortgage was extended to 20 years, and the lender agreed to let them make lower minimum monthly payments for a fixed period.\u003c/p>\n\u003cp>But they were surrounded by the wreckage of the mortgage meltdown. By the end of 2009, half of Dream Street’s original 13 owners had either been pushed out or foreclosed on.\u003c/p>\n\u003cp>\"The foreclosure meltdown swept across this entire area and up and down Dream Street like a tsunami in spring of 2009,\" says photojournalist \u003ca href=\"http://www.pe.com/2014/03/28/artist-spotlight-douglas-mcculloh/\">Doug McCulloh\u003c/a>.\u003c/p>\n\u003cp>McCulloh lives in nearby Riverside. But his connection to Dream Street runs deep. He’s the one who gave the little avenue its name. It was a prize at a San Bernardino County charity auction. McCulloh says the come-on was irresistible: name a street, minimum bid $25.\u003c/p>\n\u003cp>\"My immediate thought is: It's the American Dream, it's your dream house and so on,\" says McCulloh.\u003c/p>\n\u003cp>Then, reflecting on what happened there, he adds, \"A nightmare is kind of a dream, too. So dreams can cut in all directions, can be all kinds of things. And it's turned out to be that here on Dream Street.\"\u003c/p>\n\u003cfigure id=\"attachment_11418637\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418637\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg\" alt=\"Most of the streets around Dream Street have western-themed names.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Most of the streets around Dream Street have western-themed names. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>McCulloh also won permission from the developer to document the housing tract’s rise from plowed-over fruit orchard to model suburbia to ground zero of the mortgage crisis. He got to know the construction workers, the development company and mortgage team, and the residents.\u003c/p>\n\u003cp>McCulloh tells the story of the last family to move onto Dream Street. They bought near the peak of the housing boom and couldn’t hang on. When the notice to vacate got slapped on the door, they salvaged what they could.\u003c/p>\n\u003cp>\"Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off,\" recalls McCulloh.\u003c/p>\n\u003cp>\"Two months later they got a family member who had good credit, they bottom-fished the market. They bought a house about a mile away. The palm trees, they planted them at their new house.\"\u003c/p>\n\u003cp>On a recent Saturday afternoon, McCulloh catches up with Augie Cortez and his brother, Johnny, on the sidewalk outside Cortez’s home. Neighbor Jerry Williams pulls his pickup truck into his driveway. He waves and heads over.\u003c/p>\n\u003cfigure id=\"attachment_11418642\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418642 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg\" alt=\"Augie Cortez (r) and his brother outside Cortez’ Dream Street home.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez (R) and his brother, Johnny, (L) outside Cortez’s Dream Street home. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Williams is a burly long-haul truck driver with a shaggy, graying beard and wide smile. He and his wife Kelley, also a truck driver, moved in around the same time as Cortez and his wife. He complains about some kids that recently tagged a couple of fences. Other than the minor graffiti, all is good here, he says.\u003c/p>\n\u003cp>\"Pretty quiet. You see how it is man,\" he says, nodding to the tidy cul-de-sac. “We like it, it works for us.”\u003c/p>\n\u003cp>These days all the houses on Dream Street are occupied. No more busted-out windows or dead lawns; the emblems of the foreclosure crisis.\u003c/p>\n\u003cp>\"I guess it was a dream,\" laughs Augie Cortez. “Actually got to keep (the house), shoot. That’s what’s good.”\u003c/p>\n\u003cp>But in a sense it’s a dream half-realized. From his front yard we look across to a pair of large dusty vacant lots.\u003c/p>\n\u003cp>No houses were ever built on the \u003cem>other\u003c/em> side of Dream Street.\u003c/p>\n\u003cp>It’s undeveloped county land that, at the time the housing tract was developed, was to be the site of a park and library. The developers even dangled the county project as a selling point to would-be home buyers like Cortez.\u003c/p>\n\u003cp>“So that sounded good for my girls, like 'wow' perfect,” Cortez says.\u003c/p>\n\u003cp>“And there’s the park and library,” he says, pointing to the vacant land. When everyone looks to see where Cortez is pointing, he drops the punch line.\u003c/p>\n\u003cp>“It’s invisible!”\u003c/p>\n\u003cp>A San Bernardino County spokesman says the land turned out to be too narrow for a park.\u003c/p>\n\u003cp>County tax revenue also plummeted with housing values during the housing market crash. There are currently no plans for the empty lots.\u003c/p>\n\u003cfigure id=\"attachment_11418647\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418647\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg\" alt=\"A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Some people were betting that the bubble would go on, and of course it couldn't,” says photographer McCulloh. “Other people bet against the bubble. So the one thing you can say is there will be another spot where hanging onto the dream gets really, really hard.”\u003c/p>\n\u003cp>Local real estate experts warn that Inland Empire housing is once again way overvalued, and overdue for a “correction.” Prices have surged to an unsustainable level in the last year, according to \u003ca href=\"http://www.nhsie.org/\" target=\"_blank\">Neighborhood Housing Services of the Inland Empire\u003c/a>, a nonprofit that helped guys like Augie hold onto their houses 10 years ago.\u003c/p>\n\u003cp>At the edge of those vacant lots, a sign lashed to a post beckons with a come-on that sounds a little suspicious, given what this neighborhood has survived over the last decade: “Buy a Home, 1% Down.”\u003c/p>\n\u003cfigure id=\"attachment_11418648\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418648\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg\" alt=\"A sign lashed to street post across from Dream Street beckons would be home buyers with a seemingly irresistible offer.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign lashed to street post across from Dream Street beckons would-be homebuyers with a seemingly irresistible offer. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>There’s no name for a real estate agent or mortgage broker. But there’s a local phone number. I give it a call.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message.\u003c/p>\n\u003cp>“Buying a home has never been easier! Here's how it works,” continues Emily. “You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.”\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>Emily asks me to leave my number and a good time to call back. I don't. But I do find out more about that sign, and about new trends in home loans that are stoking old fears.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11418523/10-years-after-housing-crash-families-finally-make-it-on-dream-street","authors":["2600"],"programs":["news_72"],"categories":["news_1758","news_6266","news_8"],"tags":["news_69","news_19996","news_2619","news_1776","news_2766","news_20704","news_17286"],"featImg":"news_11418626","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":""},"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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Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. 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