PaydayLendingRep
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Paycheck politics
Payday advances play a necessary role, providing hard-working people with a reasonable, well-regulated option for meeting unexpected or unbudgeted expenses and other short-term financial needs. Payday advances are small, unsecured, short-term loans, usually due on the borrower’s next payday. The average loan is $300 and the typical fee is $15 to $17 per $100 borrowed. The payday advance industry exists because we offer our customers a product that is more desirable than the alternatives. Payday advance customers are educated, hard-working, middle-class Americans who face unbudgeted or unexpected expenses between paychecks and want and need access to short-term credit. Payday advance customers are not the “un-banked”, as 100% have a checking account at a credit union or bank, but turn to payday lenders for small dollar short-term credit needs. State regulators confirm that, out of millions of customers, there are very few complaints. CFSA’s mission is to promote responsible industry practices and support laws and regulations that protect consumers. Like all industries and issue advocates, CFSA works within the democratic system by engaging diverse and experienced professionals to educate policymakers about our services and to advocate on behalf of progressive legislation. Our individual members make contributions locally and federally. They do so for the same reasons everyone else does—to participate in the democratic process and help support candidates and legislators they believe will best represent them. In addition, we have a political action committee which supports candidates.— October 19, 2009 8:42 a.m.