Against Major Odds, Nevadans for the Common Good Pushes Payday Lending Reforms through the State Legislature
During a three-month house meeting listening campaign and nine months of research actions and civic academies, leaders from 'Nevadans for the Common Good' (NCG) unearthed dramatic stories about payday lending entrapment, lack of housing affordability and concerns around public education.
In response last fall, NCG organized nonpartisan accountability sessions with gubernatorial candidates, including now-Governor Sisolak, in which leaders secured candidate commitments around school funding, affordable housing, and consumer protections from unlawful payday lending practices
In 2019, NCG launched a campaign generating 4,000 postcards calling on state legislators for $500 million in new state funding for public schools, and $40 million for an affordable housing tax credit program and improved payday lending enforcement across the state. NCG leaders incited an impassioned fight with the payday lending industry over Senate Bill 201, which would establish a payday lending database to track short-term, high-interest loans to better protect consumers.
In the face of formidable odds -- and an army of paid lobbyists -- NCG mobilized waves of faith and civic leaders to testify before key committees to make the case for better protections for financially vulnerable families. In March, ten leaders met with 17 legislators in one day. In April, fifty leaders filled a hearing room in support of reforms. The following month, to distinguish themselves from paid lobbyists, 50 more leaders donned white at an Assembly Commerce and Labor Committee hearing. In response to one leader's testimony about the impact of predatory lending practices, an assembly member responded, "We are tired of waiting for something to be done to protect our families and communities!"
NCG leaders succeeded in pushing Senate Bill 201 through the Senate and Assembly. The bill is now headed for Governor Sisolak's desk to be signed.
Oped: Payday Lending Measures are Common Sense for the Common Good, Nevada Independent
Payday Lending Opponents, Industry Clash in Charged Hearing Over Loan Database, Nevada Independent
Texas IAF Advances EDAP Legislation for Economically Distressed Areas & Continues Push for Restoration of ACE Funding
One month after 300 Texas IAF leaders descended on the Capitol to call for investments in human development, delegations have been visiting the Capitol daily to engage legislators around school finance, the ACE fund, payday lending and infrastructure support for economically distressed areas.
Legislative allies in the Rio Grande Valley and El Paso crafted a proposed constitutional amendment providing for the issuance of bonds by the Texas Water Development Board for projects in economically distressed areas. The proposal is almost to the finish line.
With ACE funding already in the draft budget, leaders are working to restore it to its original $10 Million. When economist Marc Elliot from Economic Mobility delivered a presentation on the effectiveness of the Project QUEST job training model at the Capitol, representatives from over a dozen legislative offices attended.
The QUEST model is hailed as the hitting on a "formula with a proven track record" and Texas IAF organizations across the state have applied it in Houston, Dallas, Austin, El Paso and the Rio Grande Valley.
Texas ACE Fund Return on Investment, Texas IAF
Nine Year Gains: Project Quest's Continuing Impact, Economic Mobility
San Antonio Program Moves Low-Skilled into Middle Class, Houston Chronicle [pdf]
Not All Programs Fade: New Report on Project QUEST RCT Shows Sizable None-Year Earnings Gains for Low-Income Workers, Straight Talk on Evidence [pdf]
So far in this spring legislative session, 'Nevadans for the Common Good' sent 4,000 postcards to the governor and state legislators in support of $40 million in affordable housing tax credits and a substantial increase in funding for Nevada public schools.
NCG leaders are furthermore engaged in an impassioned fight with the payday lending industry over passage of SB 201, which would establish a payday lending database that would track short-term, high-interest loans to better protect consumers. NCG initially sent a delegation of 10 leaders to the Capitol, which met with 17 legislators in one day. Since then, leaders have communicated their concerns through hundreds of emails and phone calls that included personal stories to legislators about the harmful effects of predatory lending.
Most recently, 50 leaders attended a midday hearing and delivered powerful testimony about the impact of high-interest loans on families. Rev. Sandy Johnson with United Methodist Church in Boulder City, spoke on behalf of NCG, sharing that her personal friend experienced great financial difficulties brought on by payday loans.
“If existing state laws were enforced," said Pastor Johnson, "consumers like her would be protected from being trapped in a debt cycle for more than two decades. The long term economic stability of families should not be undermined if they take out a short-term loan.”
Payday Lending Opponents, Industry Clash in Charged Hearing Over Loan Database, Nevada Independent
Acting on an extended house meeting campaign, in which leaders unearthed stories of payday lending entrapment, lack of affordable housing and concerns around public education, NCG launched a 5,000 postcard campaign to remind Southern Nevada legislators about commitments they had made on the campaign trail last year.
Leaders are calling for $500 million in new state funding for public schools, $40 million for an affordable housing tax credit program and improved payday lending enforcement across the state. With two proposals on the table that would cap interest rates on payday loans (which charge, on average, 652% in interest per year) NCG is pushing for better protections for financially vulnerable families.
On Sunday, October 14th 2,000 leaders and parishioners from Dallas Area Interfaith assembled at the Christian Chapel Temple of Faith to challenge candidates from the Texas Tribune’s 2018 Hotlist, including Texas House Districts 105, 107, 114, and 115, and US Congressional District 32. Republican and Democratic candidates for Coppell, Richardson, and Dallas Independent School District School Board positions also participated.
At the assembly, DAI leaders publicly challenged each candidate to, if elected, commit to working with them on immigration, job training, expansion of healthcare, payday lending, and public education. All participating candidates, including local Republican candidates, publicly committed to partner with DAI leaders in supporting and / or crafting policy in these areas. One journalist reported that “in a city that’s sharply segregated by race and class, the forum was a rare example of cohesive pluralism.”
The assembly and Get Out The Vote actions are the culmination of a two-year campaign on behalf of the families and communities of Dallas. Less than a year ago, DAI leaders successfully negotiated with Police officers of the cities of Dallas, Farmers Branch, and Carrollton to accept Catholic Parishes ID’s as a form of identification. For immigrant families, having a photo ID could help prevent deportation. Since then, the parish ID strategy spread to the East Coast through DAI’s sister organization in Baltimore, BUILD. Leaders from BUILD testified at the October 14th assembly that Baltimore police officers have committed to accepting the IDs as a valid form of identification.
Since then, leaders have pushed forward with parish-based Get Out The Vote walks across the Dallas area, knocking on hundreds of doors so far and contacting thousands of voters by phone. DAI has also partnered with the business community in a joint press conference to encourage voters to participate in the midterm elections.
DAI Accountability Voter Forum [video]
Why Dallas Republicans Skipped an Interfaith Forum, Rewire.News
From Levi’s to Southwest Airlines to Walmart, Business Tries to Turn Out The Vote, Dallas Morning News
On a dark Wednesday evening, 500 leaders from Nevadans for the Common Good lit up the gym at West Prep Academy and assembled to secure commitments from federal, gubernatorial, and state candidates at a nonpartisan accountability assembly at West Prep Academy.
With pressure from leaders, candidates committed to work with NCG to increase affordable housing units, invest in public education, increase funding for FQHCs, protect Medicaid expansion, shine a light upon delays in the citizenship process, and create a database to protect consumers from predatory payday lending.
During the forum, leaders shared their personal experiences including on healthcare. NCG leader Taj Ainlay testified that qualifying for Medicaid enabled him to see a doctor “for the first time in seven years.” Agatha Ramirez shared that it took her five months to become a US citizen and that it had taken her brother-in-law nineteen months and counting.
Among the candidates who attended were gubernatorial candidate Steve Sisolak (D), senatorial candidate Jacky Rosen (D), congressional candidates Steven Horsford (D), Susie Lee (D), Danny Tarkanian (R), and Representative Dina Titus (D).
Candidates Asked Views on Pressing Issues at Las Vegas Forum, Las Vegas Review-Journal [pdf]
“They didn’t read the contract, they didn’t understand or whatever. But just from a Christian standpoint, that what’s Jesus came to do, to help the lowly,” Robin Collins from Green Valley United Methodist Church said. “He came to help the sick, He didn’t come to help the well. So we’re supposed to take care of our brothers and sisters, take care of a widow, take care of an orphan.”
Members of the payday lending industry say they are unfairly stigmatized and provide much-needed access to quick credit that traditional banks or lending institutions do not. Their arguments are bolstered by dozens of lobbyists and hundreds of thousands of dollars in campaign contributions to top candidates.
Still, it’s been more than a decade since the last substantial changes to consumer protection laws on high-interest loans, and advocates — primarily general welfare groups like the Legal Aid of Southern Nevada, a cadre of progressive organizations and the faith-based coalition Nevadans for the Common Good — are looking to the 2019 Legislature as a chance to push for new consumer protections and limits on high-interest lenders.
[Photo Credit: David Calvert, Nevada Independent]
After 2017 Shortcomings, Advocates Prepare to Push for New Consumer Protections on Payday Loans, Nevada Independent
[COPS / Metro Alliance] hosted a town hall at Our Lady of Guadalupe Catholic Church in Helotes, and invited Republican and Democrat incumbents and challengers for state and Congressional offices that represent West Bexar County and San Antonio’s south and west sides to attend and publicly state their positions on four issues: restoring Texas public school funding; immigration reform; reining in the “payday lending” industry; and increasing job training and re-training programs for displaced workers and in historically under-served areas....
Mendoza says COPS/Metro Alliance decided to become active in more conservative, affluent suburban communities outside the city's inner and outer freeway loops because emerging economic and social challenges are not defined by geography or political affiliation.
With the 2018 midterm elections less than three weeks away, COPS/Metro Alliance today launches a get-out-the-vote phone banking and canvassing initiative....
[Photo by Morgan Montalvo, WOAI]
Leaders with 'Nevadans for the Common Good' have begun building a constituency of voters who are educated about the dangers of payday lending by holding civic academies on the subject. The next civic academy is scheduled to take place at Las Vegas University United Methodist Church.
Community Groups Urge Nevadans to Learn Risks of Payday Loans, Public News Service
DAI leaders from Richardson, Garland and North Dallas engaged Democratic primary challengers in Congressional District 32, and Republican candidates for Senate District 2 and House Districts 114 and 102 . Leaders secured pledges around local control of payday lending ordinances and restoration of state funding to public schools and workforce development.