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Trump lifts restrictions on PAYDAY LOAN companies:
Poast new message in this thread
Date: July 8th, 2020 5:44 PM Author: ,.,..,.,..,.,.,.,..,.,.,,..,..,.,,..,.,,. lol @ how thoroughly he has abandoned the populism that delivered him victory in 2016:
'A grave error': Consumer Financial Protection Bureau abandons payday loan limitations
After a years-long battle, the Consumer Financial Protection Bureau has rolled back a series of proposed limitations to payday loans in a move advocacy groups call a "grave error" that could potentially trap vulnerable people in debt.
The CFPB announced Tuesday that it was rescinding mandatory underwriting provisions -- which essentially require lenders to confirm that borrowers can pay back the loan before issuing it -- framing the move as an effort to "maintain consumer access to credit and competition in the marketplace."
"A vibrant and well-functioning financial marketplace is important for consumers to access the financial products they need and ensure they are protected. Our actions today ensure that consumers have access to credit from a competitive marketplace, have the best information to make informed financial decisions, and retain key protections without hindering that access," CFPB Director Kathleen L. Kraninger said in a statement.
"The Bureau protects consumers from unfair, deceptive, or abusive practices and takes action against companies that break the law. We will continue to monitor the small dollar lending industry and enforce the law against bad actors," Kraninger said.
The payday loans industry has courted controversy for years, with many critics slamming the high interest rates and allegedly predatory practices lenders use on often-desperate customers that can lead to so-called "debt traps." The industry has also faced criticism for allegedly targeting communities of color.
Advocacy groups were quick to slam the CFPB's announcement that it was scrapping the limitations, especially amid the coronavirus-induced financial crisis.
"By eliminating the ability-to-repay protections, the CFPB is making a grave error that leaves the 12 million Americans who use payday loans every year exposed to unaffordable payments at annual interest rates that average nearly 400 percent," Alex Horowitz, the senior research officer at Pew Charitable Trusts' consumer finance project, said in a statement.
Horowitz called on financial institutions to still abide by the protections, which encouraged mainstream lenders to offer affordable installment loans options.
"Despite the CFPB's abandonment of these critical consumer safeguards, banks, credit unions, and responsible lenders should reject balloon payments and instead offer consumers installment loans on affordable terms," Horowitz said.
Linda Jun, the senior policy counsel at the nonprofit group Americans for Financial Reform, said that the CFPB's announcement amid the COVID-19 crisis could have disastrous effects.
"Amid a global pandemic and an economic contraction with little precedent, the CFPB has chosen to devote scarce resources not to protecting consumers, but to dismantling guardrails that would have given people more protection from predatory lenders," Jun said in a statement.
"It will give loan shark-like payday lenders greater leeway to exploit the current crisis by continuing to trap people in debt and hamper their financial recovery," she added.
https://abcnews.go.com/US/grave-error-consumer-financial-protection-bureau-abandons-payday/story?id=71668911 |
Date: July 8th, 2020 5:47 PM Author: Starving Autist Pay day loan companies get a bad rap. If they are so evil, why don’t you just loan broke people money at low rates? (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569782) |
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Date: July 8th, 2020 5:50 PM Author: ,.,..,.,..,.,.,.,..,.,.,,..,..,.,,..,.,,. usury is a sin. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569799) |
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Date: July 8th, 2020 5:51 PM Author: TRUMP rulez (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569805) |
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Date: July 8th, 2020 5:52 PM Author: We live in a clown world and I am a clown girl So is sloth. This is America, if you can't make money you're a fucking douchebag. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569813) |
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Date: July 8th, 2020 9:18 PM Author: \'\'\"\'\"\'\"\'\"\' (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570767) |
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Date: July 8th, 2020 5:52 PM Author: ,..,.,..,.,.,.,.,;,;.,.;.,','.,.',;'','.,'.;'., (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569815) |
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Date: July 8th, 2020 5:55 PM Author: ~~~~~~~-.-~~~~~~ ( ) Shit. Are there any groups who could maybe sin without worrying about the consequences, thus engaging in usury on our behalf? (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569829) |
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Date: July 8th, 2020 5:55 PM Author: ..,..;;...,,,,,...,..;;....,,,,,,;;;; (β‘οΈ) torah says charging interest to other jews is a sin, and charging interest to goyim is a mitzvah (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569833) |
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Date: July 8th, 2020 6:52 PM Author: ;;;.;..;;;.. (luis) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570094) |
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Date: July 8th, 2020 9:06 PM Author: north atlantid (luis) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570712) |
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Date: July 9th, 2020 3:55 PM Author: .,.,..,,..,.,.,:,,:,.,.,:::,.,..,:,.,.:.:.,:.::,. (π¦) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575512) |
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Date: July 8th, 2020 5:52 PM Author: TRUMP rulez lol if you think any part of the payday lender business model isn't an outright scam to screw over poor people with little legal knowledge and literacy skills who are in a desperate bind for cash. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569811) |
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Date: July 8th, 2020 5:56 PM Author: .,.,,.,..,.,.,:,,:,,.,:.,.:,...,:,.,.:...:.,:.::,. Why don't you open a bank that lends money to deadbeats at low interest rates? Surely you'll corner the market and drive out the bad guys charging too much. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569842) |
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Date: July 8th, 2020 6:00 PM Author: TRUMP rulez payday lenders don't operate in anyway like banks. banks don't want you to miss mortgage or interest payments; payday lenders literally set their entire product offerings up to get you to miss your payments by outright deception and legalese. you're basically confusing being able to buy stocks on margin from your broker to going to a mob poker game and borrowing cash to keep playing from the mobster host. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569870) |
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Date: July 9th, 2020 4:04 PM Author: birdshitlawguru (Poasts are exclusively artistic expression) Then start a service to help them at low interest rates so they don’t need to go to the scam artists. You will surely become a billionaire with scale and undercutting the scam artists (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575557) |
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Date: July 8th, 2020 5:57 PM Author: GnosticBatFraudWang (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569853) |
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Date: July 8th, 2020 5:57 PM Author: Starving Autist My point is that I doubt there is a market for a “nice” payday lender. They would go out of business. Maybe you think the government should protect these consumers by not letting them have access to credit. I disagree, but my issue is less with that stance and more with the vilification of people willing to put their money at risk by lending to high risk borrowers. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569855) |
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Date: July 8th, 2020 6:04 PM Author: TRUMP rulez it's not a question about being "nice". it's a question about incredibly unethical business practices that should make any morally sound person wince. you can spin this as 'this is just how this creditor can effectively charge high enough interest rates to super subprime borrowers' as much as you want but making poor people who dont have the legal knowledge to know what theyre getting into when they sign up for a $100 loan and make that initial $110 "service payment" (that doesn't service any of the principal) is seriously some third world mafia shit.
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Date: July 8th, 2020 6:06 PM Author: ,..,..,.,,.,....,....,,,.....,.... forget it, they know all this and they're studiously avoiding it because they're money hungry greedsters (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569907) |
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Date: July 8th, 2020 9:06 PM Author: CommunityAccount123 then start a payday lending co without such fees and high rates.
protip: you'd go out of biz bc the default rate is so high |
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Date: July 8th, 2020 6:01 PM Author: community_account (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569875) |
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Date: July 8th, 2020 6:05 PM Author: ,..,..,.,,.,....,....,,,.....,.... (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569899) |
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Date: July 8th, 2020 6:06 PM Author: ,..,.,..,.,.,.,.,;,;.,.;.,','.,.',;'','.,'.;'., (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569902) |
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Date: July 9th, 2020 3:55 PM Author: .,.,..,,..,.,.,:,,:,.,.,:::,.,..,:,.,.:.:.,:.::,. (π¦) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575514) |
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Date: July 8th, 2020 5:54 PM Author: .,.,,.,..,.,.,:,,:,,.,:.,.:,...,:,.,.:...:.,:.::,. If you just call it "microcredit lending" you can win a Nobel Peace Prize. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569821) |
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Date: July 8th, 2020 9:17 PM Author: ,,,,,,,,,,,.,,,,,,,,,,,,,,,.../.,, (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570761) |
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Date: July 8th, 2020 9:18 PM Author: Jared Taylor Sup, kike? (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570771) |
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Date: July 8th, 2020 11:45 PM Author: .,,...,,...,,...,,...,,...,,... Shalom! (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40571741) |
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Date: July 8th, 2020 5:53 PM Author: ,..,.,..,.,.,.,.,;,;.,.;.,','.,.',;'','.,'.;'., He really is the best goy. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569816) |
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Date: July 8th, 2020 5:53 PM Author: GnosticBatFraudWang GOOD Goyim (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569818) |
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Date: July 8th, 2020 5:54 PM Author: ~~~~~~~-.-~~~~~~ ( ) I don't understand. The payday lenders are obviously doing an adequate job of pricing risk, in that they're still in business. In the event they miscalculate, they're the ones that suffer the loss. These rules don't make sense as consumer protection, because of course the consumer is the one who has the ability to determine whether or not they'll be able to repay-- this is a case of asymmetrical information in favor of the borrower. So these rules are ineffective and fail on their own terms. They should have never passed in the first place.
Preventing repeatedly trying to draw from the bank account is CR though, so it's good that rule stayed in place. |
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Date: July 8th, 2020 5:55 PM Author: GnosticBatFraudWang They borrow $500, and then I can garnish $5000 from their wages over the next 5 years! It's the perfect declining interest rate hedge! (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569832) |
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Date: July 8th, 2020 6:05 PM Author: ~~~~~~~-.-~~~~~~ ( ) LJL. Come on, how many payday loans do you think REALLY recoup 10x over a 5 year period? Libs only make up the astronomically high rates by looking at a two week loan and applying APR to it. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569897) |
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Date: July 9th, 2020 11:30 AM Author: Richard ''Richie'' Aprile Sr. LMAO.
More like the debtor owes child support and you never ever have a first lien on his wages.
Or the debtor files chapter 7.
Either way, the lender is fucked. |
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Date: July 8th, 2020 6:00 PM Author: community_account Okay Milton Friedman
People who use payday loans are way too stupid to understand they're about to get royally fucked with interest. They have no clue about their "ability to repay." That's why they signed up for a loan at 400% APR (that's actually what it is).
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Date: July 8th, 2020 6:04 PM Author: ~~~~~~~-.-~~~~~~ ( ) LJL @ using APR on a short term loan. Sure, if I borrow $19 today and repay $20 tomorrow, the theoretical APR is astronomical. But I'm only out a dollar. Be serious.
But, more to the point, if the issue is disclosure, then the loan should be disclosed in clear terms. If thats' not currently being done, let's fix the disclosure. But if the loans are bad, the payday lenders will just get bankruptcy pwned or otherwise have it defaulted on. That this isn't happening strongly suggests they're pricing risk appropriately. |
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Date: July 8th, 2020 6:05 PM Author: TRUMP rulez "If thats' not currently being done, let's fix the disclosure."
what do you think "deregulating payday lender industry" entails? |
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Date: July 8th, 2020 6:51 PM Author: ~~~~~~~-.-~~~~~~ ( ) This ruling didn't impact any of the disclosure requirements, just some asinine "see if the borrower can repay" rules. Which they're already doing for their own benefit-- the goal is to get paid back after all and, more to the point, obviously the borrower is in a far better position to evaluate their ability to repay than the lender. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570091) |
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Date: July 8th, 2020 6:07 PM Author: community_account The issue isn't disclosure. The issue is that 90% of people taking out payday loans have too few IQ points to understand what compound interest means even if you were to explain it in coloring book.
Some people aren't credit worthy period and they need to be protected from...let's call them the press |
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Date: July 8th, 2020 6:08 PM Author: ,..,..,.,,.,....,....,,,.....,.... crrr (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569915) |
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Date: July 8th, 2020 6:09 PM Author: community_account Cr, edited. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569922) |
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Date: July 8th, 2020 6:09 PM Author: Metal Up Your Ass you're going to set off the disparate impact alarm (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569926) |
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Date: July 8th, 2020 6:40 PM Author: TRUMP rulez (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570054) |
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Date: July 8th, 2020 6:52 PM Author: ~~~~~~~-.-~~~~~~ ( ) Got it, the "everybody needs to be a ward of the state" argument. Yeah, there might be somebody somewhere who is at such a cognitively low level that they benefit from these insane nanny regulations. But we can't gear our entire society around making everything a rubber room to protect such individuals. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570095) |
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Date: July 8th, 2020 7:35 PM Author: ,..,.,..,.,.,.,.,;,;.,.;.,','.,.',;'','.,'.;'., gbti (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570262) |
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Date: July 8th, 2020 8:01 PM Author: Guy Debord (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570356) |
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Date: July 9th, 2020 11:47 AM Author: Gloostick Lmao go back to 2005 you bowtie wearing rat kike (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40573625) |
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Date: July 8th, 2020 8:03 PM Author: ~~(> ' ' )> "But if the loans are bad, the payday lenders will just get bankruptcy pwned or otherwise have it defaulted on."
Oh, that's it? |
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Date: July 8th, 2020 8:00 PM Author: Guy Debord (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570351) |
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Date: July 8th, 2020 6:07 PM Author: ,..,..,.,,.,....,....,,,.....,.... how deceitful to argue that the problem here is that the BUYER has too much market power and "asymetric information" (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569910) |
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Date: July 8th, 2020 6:57 PM Author: ~~~~~~~-.-~~~~~~ ( ) What? Of course the buyer has asymmetric information. They know whether or not they're filing bankruptcy next week, how safe their job is, whether they can borrow money from their parents if they need to, etc. The lender can pull their credit report. The borrower is in a far better position to evaluate whether they can repay. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570121) |
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Date: July 9th, 2020 11:49 AM Author: Gloostick They aren’t rational actors. They’re overwhelmingly too stupid to make these decisions. Their time preferences are astronomically high to the point that they’re self destructive and they’re probe to making irrational decisions (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40573641) |
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Date: July 8th, 2020 6:06 PM Author: ,..,..,.,,.,....,....,,,.....,.... fucking bullshit
anyone who votes Trump is a moron or a CoC shill |
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Date: July 8th, 2020 6:53 PM Author: ;;;.;..;;;.. (luis) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570099) |
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Date: July 8th, 2020 6:07 PM Author: Diane Rehm talking dirty Jesus turning over the tables in the “ vibrant and well-functioning financial marketplace”.
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Date: July 8th, 2020 6:14 PM Author: ,..,.,..,.,.,.,.,;,;.,.;.,','.,.',;'','.,'.;'., (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569952) |
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Date: July 8th, 2020 6:53 PM Author: ;;;.;..;;;.. (luis) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570102) |
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Date: July 8th, 2020 7:36 PM Author: ;,;,;;;,;,;,,,;,;;;,;,,;;;;;,;, (ππΊπ©π»π€) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570267) |
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Date: July 8th, 2020 7:59 PM Author: sporting table puppy pants (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570349) |
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Date: July 9th, 2020 4:05 PM Author: ORANGE BOOMER BAD (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575564) |
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Date: July 9th, 2020 4:09 PM Author: north atlantid (luis) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575582) |
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Date: July 9th, 2020 4:20 PM Author: GnosticBatFraudWang (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575671) |
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Date: July 8th, 2020 6:08 PM Author: ......,.,.,....,...,.,...,.,.,.,.,.....,.,.,.,,,.. LMAO rongtime tlumpmo hele but lol @ the bootlickers itt (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569918) |
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Date: July 8th, 2020 8:01 PM Author: Guy Debord (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570357) |
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Date: July 8th, 2020 6:10 PM Author: ,.,..,,,....,....,,.. Does nobody remember the part of Hillbilly Elegy where JD Vance’s smacks down the critics of pay day lenders?
On that day, a three-day payday loan, with a few dollars of interest, enabled me to avoid a significant overdraft fee. The legislators debating the merits of payday lending didn’t mention situations like that. The lesson? Powerful people sometimes do things to help people like me without really understanding people like me.
https://www.forbes.com/sites/realspin/2016/09/01/what-a-best-selling-memoir-tells-us-about-payday-loans/#5f9ae4fab0c3 |
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Date: July 8th, 2020 6:14 PM Author: ,..,..,.,,.,....,....,,,.....,.... oh well if this one Ivy educated nationally famous writer was able to use it responsibly then let's ignore the other 99.99% of payday loan borrowers (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569950) |
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Date: July 8th, 2020 6:17 PM Author: aurelien Just playing the devil's advocate, but should we ban smoking? (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40569976) |
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Date: July 9th, 2020 11:57 AM Author: Gloostick Yes (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40573688) |
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Date: July 9th, 2020 8:37 PM Author: ,..,..,.,,.,....,....,,,.....,.... no smoking is good for you in moderation (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40576932) |
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Date: July 8th, 2020 6:25 PM Author: ,.,..,,,....,....,,.. What do you think of the casting choice of Freida Pinto as Usha Vance in the Hillbilly Elegy movie?
https://en.m.wikipedia.org/wiki/Hillbilly_Elegy_(film)
I think they should have chose and American born Indian actress. |
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Date: July 8th, 2020 8:07 PM Author: owl dood She's hot. I'd fuck her. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570387) |
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Date: July 8th, 2020 6:32 PM Author: Starving Autist Nah we should just ban broke people from possibly being able to obtain credit if they choose to, because Big Mr Government (Elizabeth Warren’s CFPB) knows what’s best for all the little people. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570035) |
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Date: July 8th, 2020 6:34 PM Author: mercedes benzo he also dumped his brother on an ER curb to die alone like a shot up gangbanger then went to watch a movie (where he blithely ate milk duds and popcorn) (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570039) |
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Date: July 8th, 2020 7:00 PM Author: computer faggot bumping your shitty thread 8000 times won't make anyone care (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570125) |
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Date: July 8th, 2020 9:16 PM Author: Henry Aaron You’re a pauper. LOL (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570759) |
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Date: July 8th, 2020 7:56 PM Author: ,.,.,.,.,.,...,.,.,.,..,.,.,.,.,.,,,,,, we should allow payday lenders and multi level marketing.
if you're dumb enough to fall for it, u deserve to be scammed |
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Date: July 8th, 2020 8:05 PM Author: ~~(> ' ' )> That's not very sporting. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40570375) |
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Date: July 8th, 2020 8:22 PM Author: ;,;,;;;,;,;,,,;,;;;,;,,;;;;;,;, (ππΊπ©π»π€) What’s the point of being an autist shut in if you can’t gain some minor advantage over resource-lacking thing doers? ANSWER ME THAT, BATMAN. |
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Date: July 8th, 2020 8:32 PM Author: ,.,.,.,.,.,...,.,.,.,..,.,.,.,.,.,,,,,, welcome to capitalism
if u dont like murica u can just GIT OUT |
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Date: July 9th, 2020 12:45 PM Author: ,..,..,.,,.,....,....,,,.....,.... Trump's poll numbers SOARING as his base has been clamoring for this for ages (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40574077) |
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Date: July 9th, 2020 3:56 PM Author: .,.,..,,..,.,.,:,,:,.,.,:::,.,..,:,.,.:.:.,:.::,. (π¦) This is, frankly, not great and not what I'd do but this isn't a top 100 issue. (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575518) |
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Date: July 9th, 2020 4:07 PM Author: '"'"'"''" Wall? 3 miles built. Deportations? Less than Obama. Pandemic? The only country still struggling. Economy? Gutted. Healthcare repeal and replace with something better? LJL.
But we moved the embassy to Jerusalem and deregulated payday lenders. Trumpmos cheering!
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Date: July 9th, 2020 4:24 PM Author: ,..,.,..,.,.,.,.,;,;.,.;.,','.,.',;'','.,'.;'., he is the best goy of all time (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40575683) |
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Date: July 9th, 2020 8:59 PM Author: JFC JFC (http://www.autoadmit.com/thread.php?thread_id=4579506&forum_id=2#40577059) |