After HB1913 passed, threatening to triple the cap on small personal loans and boost the maximum interest rate to 204% per year, VOICE leaders and allies persisted in their fight against the bill.

Leaders publicly called on Governor Mary Fallin to veto the bill, on television and in writing arguing, as did Fr. Tim Luschen, that the bill is "not anything that can make our community a better place."

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"Catholic congregations and leaders ...were central in the push for payday lending reform in nearby Arlington. Father Daniel Kelley of St. Joseph Catholic Church was particularly influential. In addition, the Texas Catholic Conference, the public policy voice of Texas' Catholic bishops, worked directly on payday lending reform at the state and local level, and also participated in Dallas Area Interfaith and Faith Leaders for Fair Lending.

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As part of West Texas Organizing Strategy's campaign for payday lending reforms, Bishop Placido Rodriguez wrote an editorial lamenting a US House Committee on Financial Services hearing in which State Representatives attacked the Consumer Financial Protection Bureau for its attempts to reign in the worst of payday and auto title lending abuses. He writes:

"I am concerned as a pastor with both the usurious nature of these loans, and the everyday experience of those we serve in our charitable ministries. All four of the Gospel writers included references to the anger Jesus had for the money changers in the temple. It is this same righteous anger that motivates my brother bishops and I to cry out for justice for those exploited by this industry."

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In an effort to save fellow parishioners, neighbors and friends from falling into "the debt trap," Catholic Bishop Placido Rodriguez and WTOS leaders called for payday lending to be regulated in Lubbock and across the nation. Argued the Bishop of the Catholic Lubbock Diocese, "this practice is so predatory and ...creates so much hardship for families."

Catholic Church Battling Predatory Lending, Lubbock Avalanche Journal

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Speaking on behalf of COPS / Metro Alliance, Fr. Walter D'Heedene of Sacred Heart Catholic Church reported to the San Antonio Express News that the organization plans to build on their living wage wins of 2015 by raising all public sector jobs in the city to a living wage of $15 /hour. He also mentioned that the organization plans to address predatory lending and criminal justice reforms, including those related to employment in 2016.

Agenda 2016: Community Leaders' Top Priorities for 2016, San Antonio Express News

After undergoing a congregational development process in partnership with the North Texas IAF that involved 3,000 parishioners – 600 of which participated in small group encounters led by 80 ministry leaders -- leaders of St. Joseph's Catholic Parish in Arlington, Texas were astounded by the number of stories about payday lending.

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For the second time in one year, IAF organizations in El Paso (EPISO and Border Interfaith) dealt a harsh blow to the bottom line of payday lenders.

During last year's fight to restrict how much payday lenders can legally make off the backs of lower-income families, opponents from the lending industry couched their financial predation under the guise of "providing a valuable service" to residents. After winning a significant victory in 2014 limiting payday lending profits, leaders wanted more.

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With over 100 leaders in attendance, Border Interfaith assembled with candidates for County Commissioner Precinct 4 to challenge them to work with the organization for greater regulation of payday lending, a boost to the wage floor for County employees and contractors to $10 / hour, and the investment of $100K in County funds into job training program Project ARRIBA. One candidate, Julio Diaz, committed to the agenda. The other candidate did not. Leaders vowed to spread the word and get out the vote.

Diaz, Haggerty Offer Stark Choices in Race for El Paso County Commissioner in Precinct 4, El Paso Times

Over 150 leaders from Northern & Central Louisiana Interfaith assembled with three candidates for US Congressional District 5 including Republican incumbent Vance McAllister, Dr. Ralph Abraham and Mayor Jamie Mayo. Leaders succeeded in leveraging bipartisan agreement to work with the organization to:

- Expand Medicaid in Louisiana;

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