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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: http://bit.ly/1U6aJog
Amicus Curiae's Brief of Texas Appleseed in Support of Appellees. Cash Biz, LP, Cash Zone, LLC D/B/A Cash Biz and Redwood Financials, LLC (Appellants) v. Hiawatha Henry, Addie Harris, Montray Norris and Roosevelt Coleman, Jr., on behalf of themselves and for all other similarly situated Appellees (Appellees). From the 224th Judicial District Court for Bexar County, Texas, No. 2015-CI-01545. Brief Excerpt: SUMMARY OF THE ARGUMENT: The use of "bad check" or "theft by check" charges by payday loan businesses, which operate as credit services organizations (CSOs) and credit access businesses (CABs) in Texas,1 constitutes a violation of the letter and spirit of: (1) state laws governing the filing of such criminal charges and the operations of CSOs and CABs; and (2) state and federal fair debt collection laws. It is an unlawful means by which payday, auto title, and other small dollar loan arrangers and lenders use the public criminal justice system to collect on private debts; a wrongful use of taxpayer-funded law enforcement resources; and now, a deceptive and unjust way that lenders, and the CSOs and CABs that arrange the loans, are attempting to use their contracts, as both sword and shield.

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