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.
Texas Appleseed joined Charles Hamilton Houston Institute for Race and Justice at Harvard Law School, Children's Law Center, Inc., Juvenile Law Center, Public Counsel, and Youth Sentencing and Reentry Project in this Petition for Rehearing En Banc, arguing that a New Mexico law that criminalizes children for minor classroom misbehaviors is harmful to students, is contrary to settled legal principles, and carries disproportionate consequences for children of color and children with disabilities. The U.S. District Court for the District of New Mexico upheld the law even though it allows law enforcement officers to intervene to address relatively minor classroom disturbances. In this case, a child was arrested for repeatedly burping in class.
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.
Sending Money is based on data from a survey of international remittance customers’ preferences and behavior, administered by Appleseed in five states from September 2015 through December 2015. Appleseed Centers in Connecticut, Kansas, Nebraska, Texas and Washington surveyed a total of 702 customers about their typical remittance transactions, comparison shopping behaviors, past problems with remittances, knowledge of their rights, and overall confidence in remittance services. See a related press release here:


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