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Research and Information

Existing Regulations for Credit Access Businesses (CABs)

Texas Short-Term Lending Regulations: http://occc.texas.gov/industry/cab
Link: Consumer Financial Protection Bureau

 


 

Research and Resources

Texas Unbanked and Underbanked FDIC Analysis  The FDIC produced a 2015 survey to determine the rate of unbanked and underbanked households within each state.
 
Non-Prime 101‘s core mission is to increase awareness and understanding of this consumer segment with data-backed research, and provide relevant communications that educate and clarify non-prime consumer behavior patterns. Rick Hackett, one of the firm’s leading analysts was the Assistant Director at the Consumer Financial Protection Bureau.
 
CFSA – Consumer Financial Service Association of America The CFSA is a national trade group that has a considerable amount of research, facts, and information about the industry in general.
 

Relevant News Articles

Houston Chronicle – how Texas has the highest underbanked population in the United States. 

 


 

 


 

Court Orders

Texas court states that Austin’s short-term lending ordinance was pre-empted by state law.
View Court Order Here

 


 

Video Testimonial Section

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[Pictures/Video of store and signage for transparency]

 



Support in the Media

Bay City Council says no to financial ordinance regulating short-term lending


While Bay City’s council took no action on regulating payday-lending businesses in the city, the decision to place the item on the agenda has drawn fire from one local businessman in a move he says is “reta

Let’s not hinder consumers’ access to credit


The Hill – 2/3/2020 (reprinted)

By Bill Himper, Opinion Contributor

Has Ohio’s law banished unscrupulous payday lending? Kind of.


Cincinnati Enquirer – 1/2/2020 (reprinted)

By Jessie Balmert

Restricting short-term loans in Virginia will hurt consumers


Daily Torch – 2/3/2020 (reprinted)

By Rick Manning

How each US state is shaping the personal finance IQ of its students


CNBC – 2/5/2020 (reprinted)

By Eric Rosenbaum
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Our Survey

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