University of Wisconsin–Madison
Progressive Local Government
For the 21st Century

ProGov21 Policy Library

Policy Area
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State
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Source
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Year
2011 Austin Ordinance 75 Prohibiting Predatory Lending Practices
Type Ordinance or Resolution
Year 2011
Level City or Town
State(s) Texas
Source Austin City Council
Policy Areas Economic Justice, Civil Rights
This ordinance prohibits credit access businesses from operating without a valid certificate of registration. It also requires them to display their certificate of registration to the public. This ordinance was created to reduce abusive and predatory lending practices....
Tags
Predatory Debt Traps
Type Policy Brief or Report
Year 2017
Level County
State(s) All States
Source State Innovation Exchange
Policy Areas Education, Finance & Procurement, Children & Families, Economic Justice, Civil Rights, Community Development, Public Spaces, Housing, Public Safety, Children & Families
In the United States, the average annual percentage rate paid on a payday loan is 391%. But payday loans are only one of the many mechanisms that impose triple-digit interest rates on low-income and vulnerable communities. High-cost loans that collateralize a car title, fixed pensions,...
Tags
Week of Action: Fighting for Families Messaging and Policy Guide
Type Fact Sheet or Infographic
Year 2017
Level County
State(s) All States
Source State Innovation Exchange
Policy Areas Education, Economic Justice, Civil Rights, Children & Families, Community Development, Public Spaces, Housing, Public Safety, Health, Environment & Natural Resources, Energy
Outdated workplace policies have failed to keep pace with the demands on today's workforce, limiting our economic growth....
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2012 Austin Ordinance 139
Type Ordinance or Resolution
Year 2012
Level City or Town
State(s) Texas
Source Austin City Council
Policy Areas Economic Justice, Civil Rights
This ordinance alters payday lending practices as sanctioned and regulated by municipal governments. It provides functional and clear definitions of alternative financial services businesses and acceptable practices and zoning for those businesses. Additionally, it outlines consumer...
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Displaying 4 of 4 records.

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