As part of a civic academy series held across Dallas, St. Luke Catholic Church leaders taught fellow parishioners basic principles of fair banking and how immigrants (including those without legal residency) can avoid predatory lending practices.  Parish ID cards, first developed in Dallas in collaboration with the Dallas Catholic Diocese, featured prominently in the discussion, as did the collaboration with Resource One Credit Union in alternative lending strategies. 

In photo, lay leader Claudia Cruz, shares her experience with the impact of predatory lending.  [Photo Credit: Ben Torres, Revista Católica]

Protegiendo Families Inmigrantes de Abuso Bancario, Revista Católica [pdf]

In a move to boost voter turnout among neglected communities, Texas IAF organizations reached into suburbs surrounding Texas’ largest cities to assemble by the thousands in political, nonpartisan assemblies to help leaders wrest commitments from candidates for state and federal office. Having witnessed candidate responses to locally-developed agendas, which span from local control to Texas school finance and federal immigration reform, leaders are now mobilizing their neighbors to Get Out The Vote.

In North Dallas, for example, two thousand DAI leaders -- many from Carrollton and Farmers Branch -- invited candidates for House Districts 114, 115, 105 and 107, and Congressional District 32, to commit to investing public funds in local labor market intermediaries, crafting immigration reform that would end the separation of children from their parents at the border (and include protections for DACA youth), cracking down on predatory lending, and repealing Senate Bill 4. Hundreds more from Austin and Hayes County challenged candidates for US Congressional Districts 25 and 21, and State House Districts 47, 45 and 136 to publicly pledge support for similar priorities, including the defense of local control over municipal housing and labor policy. In Helotes, just outside of San Antonio, COPS / Metro leaders carted out boxes with thousands of postcard pledges by voters to participate in the election of US Representative for Congressional District 23, which extends to the outskirts of El Paso, and State Representative for House Districts 117 and 118. In Houston, TMO organized assemblies with candidates for US Congressional District 7 and 29; House Districts 144, 133, and 135; and Senate District 17.

Already, unpaid armies of organizational leaders have knocked on thousands of doors and called thousands more to remind supporters and voters to participate in the midterm elections. Last weekend, for example, Austin Interfaith leaders knocked on doors in three counties, four legislative districts and 2 congressional districts. This weekend, all Texas IAF organizations are making a final push -- from the pews, inside health clinics and in long-neglected neighborhoods -- to ensure the highest turnout possible in support of their agenda.

Leaders understand that targeted voter engagement efforts following accountability assemblies help advance their agenda. This year alone, local Texas IAF organizations succeeded in raising municipal wage floors in San Antonio and Austin to $15 per hour; leveraging the support of Chief of Police Art Acevedo to make Houston the first city in Texas to support a gun safety strategy; and preventing unnecessary deportations through widespread adoption of identification cards generated by parishes within the Catholic Diocese of Dallas.

Texas’ Minority GOP Voters: Republican Allies Have Vanished, McClatchy

Activist Groups COPS and Metro Alliance Spreading Message to the Suburbs, WOAI

Austin Interfaith Hosts Large Gathering of 2018 Midterms Election Candidates, KVUE

Candidates Share Platform at Assembly, Austin American Statesman

Why Dallas Republicans Skipped an Interfaith Forum, Rewire.News

To Help Immigrants Feel Safer Around Police, Some Churches Start Issuing IDs, NPR

DAI Accountability Forum [Video]

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]

Tarkanian, Lee Sole Congressional Opponents at Wide-Ranging Candidates Forum, Las Vegas Sun [pdf]

After 2017 Shortcomings, Advocates Prepare to Push for New Consumer Protections on Payday Loans, Nevada Independent [pdf]

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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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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This legislative session, with the support of Together Louisiana, lawmakers will evaluate whether to pass a bill limiting how much payday lenders can make on the backs of their customers.

Ms. Thelma Fleming, a leader with Elm Grove Baptist Church, once spent $2,500 to get out of a $300 debt trap, eventually costing her her car, bank account and gifts from her children. Her institution is a member of Together Louisiana which is on the forefront of this legislative fight.

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Leaders of EPISO and Border Interfaith leveraged enough City Council votes to restrict how much payday lenders can make off low-income families. Lobbyists flew in from Dallas and Austin to fight this ordinance, but this did not keep the council from heeding the organized voice of families and institutions, and voting 6-1 in support. Bishop Mark Seitz of the Catholic Diocese of El Paso supported these efforts to protect families from compounding debt and excessive fees.

The new payday lending reform in El Paso allows lenders to loan no more than 20% of a borrower's gross income. Contracts must now be presented in the person's dominant language and short-term loans cannot be rolled over more than three times.

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