Publications

Reducing low-income borrowers’ reliance on payday and auto title loans requires improved access to low-cost responsible loans. The Community Loan Center (CLC), launched in Brownsville, Texas, in 2011, was created to meet the short-term credit needs of payday loan borrowers with fair rates and affordable terms through partnerships with employers. The CLC offers a $1,000 maximum loan, payable over 12 months, at 18% interest plus a $20 fee. Starting in 2014, the program expanded by adding new franchises in Texas. The program is now also expanding into other states. Texas Appleseed examined the financial stability and asset building impacts on CLC borrowers of having access to a low-cost, affordable small-dollar loan by surveying borrowers of the first three CLC franchises that completed one full year of operation—the CLC of the Rio Grande Valley, the Brazos Valley CLC and the Dallas CLC. We collected borrower data over a one-year period that started in November of 2014.
A report on Arrests, Jail Bookings, and Case Outcomes Among 17-year-olds in Texas, 2012-2015.
In schools across the country, very young students are being suspended and expelled at alarming rates. Even children in preschool are being pushed out of their classrooms, usually for minor behaviors that should be addressed through school-based supports and interventions. Unfortunately, Texas public schools are no different in the way they punish very young children. For this updated report, Texas Appleseed analyzed new data (2015-2016 school year) on in-school suspensions, out-of-school suspensions, and placements in disciplinary alternative education programs for Texas children in pre-kindergarten (Pre-K) through 5th grade. This report also highlights updated policy changes from districts in Texas and across the country to reduce classroom removals of very young students.

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