Publications

Cities can make a difference for their citizens and local economies by enacting policies that constrain abuses surrounding high-cost payday and auto title loans and encouraging productive market options, such as low-cost loan products and local initiatives to promote financial well-being across neighborhoods in our cities. "A Toolkit for Cities" lays out specific opportunities any city can pursue, highlights benefits to cities and overall communities, and includes quick facts, tips, and case study examples of programs locally and across the nation. The toolkit includes details from how and why to partner with a local Council of Government (COG) to investing in low-cost lending programs to participating in an employer-based affordable loan program.
Cities can make a difference for their citizens and local economies by enacting policies that constrain abuses surrounding high-cost payday and auto title loans and encouraging productive market options, such as low-cost loan products and local initiatives to promote financial well-being across neighborhoods in our cities. "A Toolkit for Cities" lays out specific opportunities any city can pursue, highlights benefits to cities and overall communities, and includes quick facts, tips, and case study examples of programs locally and across the nation. The toolkit includes details from how and why to partner with a local Council of Government (COG) to investing in low-cost lending programs to participating in an employer-based affordable loan program.
Cities can make a difference for their citizens and local economies by enacting policies that constrain abuses surrounding high-cost payday and auto title loans and encouraging productive market options, such as low-cost loan products and local initiatives to promote financial well-being across neighborhoods. "A Toolkit for Cities" lays out specific opportunities any city can pursue, highlights benefits to cities and overall communities, and includes quick facts, tips, and case study examples of programs locally and across the nation. The toolkit includes details from how and why to partner with a local Council of Government (COG) to investing in low-cost lending programs to participating in an employer-based affordable loan program, plus more.
This study analyzes four years of payday and auto title loan data from the state consumer credit regulator, the Texas Office of Consumer Credit Commissioner. Other key words: credit access business, fees, refinances, unified ordinance, economy, single payment loan, installment loan, loan transactions, small-dollar loans.

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