Texas Payday Loans – Uncharted 3 Blog http://uncharted3blog.com/ Thu, 06 Jan 2022 19:34:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://uncharted3blog.com/wp-content/uploads/2021/05/default.png Texas Payday Loans – Uncharted 3 Blog http://uncharted3blog.com/ 32 32 With over 12 gambling businesses, the Main Town and Ebony Hawk offer limited gambling https://uncharted3blog.com/with-over-12-gambling-businesses-the-main-town-and-ebony-hawk-offer-limited-gambling/ Thu, 06 Jan 2022 19:34:33 +0000 https://uncharted3blog.com/with-over-12-gambling-businesses-the-main-town-and-ebony-hawk-offer-limited-gambling/ With over 12 gambling businesses, the Main Town and Ebony Hawk offer limited gambling Live blackjack and online poker dining tables can be purchased at major gambling companies and a few for more compact casinos as well. There is also a three card poker provided with live dealers. Texas Hold’em appears to be the most […]]]>
With over 12 gambling businesses, the Main Town and Ebony Hawk offer limited gambling

Live blackjack and online poker dining tables can be purchased at major gambling companies and a few for more compact casinos as well. There is also a three card poker provided with live dealers. Texas Hold’em appears to be the most frequent and preferred casino poker game played in the betting villages. Gaming companies also offer $ 100 to $ 5 slots (which can go up to $ 100 on July 2) and a huge selection of different restaurants.

Black Hawk, Colorado will be the biggest and flashiest of Colorado’s gambling towns, but also has the richest records. Ebony Hawk, a €? The town of Mills, a €? is one of the oldest places in Colorado, certainly one of the towns that grew up in Gregorya’s Gulch, a €? the narrow ravine in which Georgian prospector John H. Gregory I discovered a vein of gold in the American element of Kansas Territory in 1859. Within months, large numbers of potential miners entered the ravine , dreaming of bigger strikes like Gregorya’s. Some have found bargains, many receive paid bragging rights, but the vast majority have moved elsewhere to try their unique luck or, proclaiming the whole one €? The best Gold Rusha in Pikea? a hoax, have reconsidered their sedentary life in the said.

Beginning with opening time on October 1, 1991, video games have proven to be spectacularly effective in driving new spending into an amount of gully not seen since the gold boom more than 100 years earlier. Penetrating only 100 more years, Black Hawk is faced with the prospect of trying to hold on to a € “and experience another journey of growth. The solutions and challenges are many for those who will admire their rich traditions while enjoying this. enjoyable and limitless future thanks to the adventurous character that delivered these tough miners and merchants of the 1800s.

Their traditional downtown core is intact, but the biggest gambling companies have almost ignored the historical rules it seems.

If you push about a mile down the road to downtown Colorado, you’ll be looking for a nice little hideaway away from the amenities of Black Hawk, but without the crowds. Additionally, the middle area is home to the Middle Town Opera House, Teller House, and other ancient venues.

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Payday Loan No Advance Debt Confirmation Super Easy To Get A Mortgage I Continue To Acquire Denied For Pa https://uncharted3blog.com/payday-loan-no-advance-debt-confirmation-super-easy-to-get-a-mortgage-i-continue-to-acquire-denied-for-pa/ Wed, 05 Jan 2022 18:58:58 +0000 https://uncharted3blog.com/payday-loan-no-advance-debt-confirmation-super-easy-to-get-a-mortgage-i-continue-to-acquire-denied-for-pa/ Payday Loan No Advance Debt Confirmation Super Easy To Get A Mortgage I Continue To Acquire Denied For Pa Simple and legitimate prepayments always easy to get loan i get turned down for immediate no deposit mortgage loan customization in california payday improvements using internet of funds effortless pre-approved pre-mortgage acquisition easy and fast financing […]]]>
Payday Loan No Advance Debt Confirmation Super Easy To Get A Mortgage I Continue To Acquire Denied For Pa

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How Does a Credit Check Work? https://uncharted3blog.com/how-does-a-credit-check-work/ Sat, 01 Jan 2022 16:15:31 +0000 https://uncharted3blog.com/how-does-a-credit-check-work/ Posted on Saturday, January 1, 2022, 11:15 a.m. Join AFP’s 100,000+ followers on Facebook Buy an AFP subscription Subscribe to AFP podcasts on itunes and Spotify News, press releases, letters to the editor: augustafreepress2@gmail.com Advertising requests: freepress@ntelos.net (© fizkes – stock.adobe.com) One of the crucial financial review methods for clients potentially applying for loans is […]]]>
business Finance
(© fizkes – stock.adobe.com)

One of the crucial financial review methods for clients potentially applying for loans is a credit check. Not only is this process relevant for payday loans, but it is also quite important for other types of financial assistance.

Essentially, it is the in-depth assessment of your financial and personal information that enables lenders to make the right choice. While jail time can be handed down for non-repayment of money owed, no one has an interest in making a difficult loan deal.

This is why financial institutions and lenders perform a credit check for a compliant assessment of repayment capacity. It is related to all payday loans and other loans granted by financial institutions. If you don’t know the mechanism by which the credit check works, Nick Wilson, the founder of Loan Connection AdvanceSOS service and an expert loan officer will advise you on the details.

How is the credit check applied?

If you are applying for a payday loan or an installment loan, the credit check is done by the lender. It’s a perfect way to gain insight into your credit and financial history, personal information, and credit score.

One of the most relevant factors in this area is credit score because it predicts the likelihood of on-time repayment. It is therefore an important element for lenders since it gives details of the person who applied for a loan.

You should be prepared to be contacted by the lender to ask for your permission to access your financial data. Of course, this is the mandatory part of the appraisal and there is no other way to get a loan.

The financial expert will then examine your bank accounts and transactions, your credit card history, and other details.

Information to which the lender has access

First, the lender will access your details and go through your banking transactions. As the credit score consists of many data pointers, the lender will have access to all of its elements.

Therefore, the lender can verify the following information:

  • Bank account details
  • Transactions carried out
  • Checking account details
  • Loans previously contracted
  • Amounts of loans contracted
  • Credit card information

If you don’t have a working bank account, the lender will usually look at your checking account. All data from previously closed accounts and cards will also be visible during the check.

After giving your confirmation to start the process, it may take up to a few days for the lender to verify all the details. On the other hand, it is not that uncommon for the lender to check all available financial information for security purposes.

A credit check is the only way to truly confirm the customer’s ability to return funds on a specific date.

How is the credit rating determined?

From the moment you apply for a loan through loans, your credit score is assessed by the lender. A wide range of factors can be added to the assessment of a credit score, and these are mostly financial details.

However, even other unrelated aspects can affect the credit score balance. One of the things that are being reviewed is your personal information. If the information is not readily available, the lender may become suspicious.

This is why it is wise to request the electoral inventory because the personal data will then be at your disposal. It is also an excellent method of confirming private data since the electoral library is trustworthy.

Other factors that affect credit score are past transactions and loan amounts. Also, if you apply for many loans at the same time, it negatively affects your credit score.

If you fail to repay your loan, you may face legal action, so a check of your credit score is good for both parties. It gives the lender insight into your reliability, while also confirming that you can really afford the loan.

Credit Check Related to Payday Loans

Without exception, the credit check is mandatory to obtain a personal loan. Those who apply for the loan without proper credit check can be sued. It is therefore also in your best interest to allow the review of your financial data.

Although your credit score must be high to get the loan, payday loans can be granted even if someone has a relatively bad rating. It’s more about reliability than just taking a look at your previous transactions.

AdvanceSOS can help you find the best loan deal that’s perfect for your needs, no matter where you are. Florida, Texas, or California.

In all fairness, your financial information from a few years ago can’t really hurt your chances of getting the loan. If you’ve made the effort to improve your credit score, there’s a good chance you’ll get the loan.

Payday Loan Credit Rating

When it comes to strictly assessing your payday loan credit rating, there are several aspects that a lender will look at. First of all, the lender has to confirm your identity and your personal details. Therefore, you will need to submit a voting list in case your information cannot be confirmed otherwise.

A credit score is not a game-changer when it comes to getting a payday loan. It’s more of an assurance on the loan side that you can repay the borrowed funds.

It is mainly based on providing your data and information on past loans. If your credit score confirms that you can repay the funds on time, your payday loan will be secured. It usually doesn’t take more than a day for the lender to check your credit score.

Some cases have shown that you can expect to get the money instantly as soon as the credit score assessment is complete. Payday loans are, after all, short term loans, which means that lenders have to prove the reliability of their repayment through the credit score.

Amanda Girard’s story. Girard is AdvanceSOS’s top financial writer. She has helped the company grow and extend its reach to its customers for the past three years. She has a Masters in Finance and has been a seasoned writer for over five years.


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Tribal Lending Positions Online Obstacle To Effective Payday Rules https://uncharted3blog.com/tribal-lending-positions-online-obstacle-to-effective-payday-rules/ Fri, 31 Dec 2021 21:32:01 +0000 https://uncharted3blog.com/tribal-lending-positions-online-obstacle-to-effective-payday-rules/ Tribal Lending Positions Online Obstacle To Effective Payday Rules Take legal action and you will condition the government to speak candidly about your tribal paycheck finance business product. 1 Tribal Financial Institutions are companies that offer low value (payday) loan options over the Internet from computers installed in the Indian country, which generally allows them […]]]>
Tribal Lending Positions Online Obstacle To Effective Payday Rules

Take legal action and you will condition the government to speak candidly about your tribal paycheck finance business product. 1 Tribal Financial Institutions are companies that offer low value (payday) loan options over the Internet from computers installed in the Indian country, which generally allows them to bypass the state analysis, which which is regulatory. A new credit whose payday completely brings in $ 40 million a year. 2 Using the Internet, funding is largely calculated so you can cover 36% of your funding contracts this will be on payday. step 3

Payday advances include loans that are short term repaired bills. Including, payday loans in New Mexico a simple unsecured guarantor loan, you would place an effective price of $ 29 for a two-day cash advance on $ 200. It cost around 400%. a? Cuatro aside from the upfront cost, payday loan providers make money from the penalty fees accrued by payday consumers who renew their loans. The point is, paycheck creditors establish income for 90 percent of people who renew their funding five or more times during the year. a? 5 about 1 / back of the many loans that are paycheck renewals of the latest funding. 6 Therefore, payday loans are arguably built to take advantage of the optimistic view of consumers and their constant underestimation of the risk of default. a? eight

Tribal Funding Positions An Online Barrier For You To Pass Pay Day Legislation

Online credit which is a higher paycheck than many other cash advance services, in the feeling that they are carrying more debt. The ads tout the funding available up to $ 10,000,000 at one time. However, a downside: If you decide to go with the recommended repayment method, a good $ 5,000 financing will surely cost a whopping $ 40,872, more than eight times the first loan. a? 8

The new payday loan rules generally occur in the degree of state through consumer safety rules, loan terms, costs and circumstances. Tribal loan companies tell you that tribal sovereign immunity is for administration which is an investigation, for example the state’s consumer protection effort. Nine Tribal Funding escaped condition court scrutiny by initiating funding with arbitration clauses requiring specific arbitration for tribal law.

The weight of tribal payday loan holders is becoming contested by many in the county, such as New York, Michigan, Georgia, Oregon, Colorado, Minnesota and Maryland. Ten of these types of states really need preferred lawsuits from the West Air Monetary Payday Loans company having played in the predatory theancinsideg finide within breach of usury condition instructions.

The weight of the tribal payday loan providers is literally called into question due to the number of players in the county including New York, Michigan, Georgia, Oregon, Texas, Minnesota and you will have Maryland. Ten These types of said possesses actually sued certainly well-known western skies economic paycheck having performing within predatory credit for violation of county usury guidelines. New York State Department. Monetary solutions have prevented online lenders from opening their automated payday home cleaning space and processing new mortgage offers. In August, New York contacted the most important boat lending companies which are providing industrial assistance on an effort basis; These financial institutions really own since the online payday loan companies cut away from accessing the borrower, which is why the financial data. Several tribes working in payday loan companies have submitted a strong injunction against their state.

Federal authorities could also move forward to test tribal financing. The new government’s change charges include a work in progress West Air Investment and its own affiliates with so-called abuses in advising on credit scoring practices, writing about unfair range strategies, as well as the law on electronic account transfer, prescribing pre-authorized investment exchanges, as well as a sickness to credit rating growth. Eleven

The Dodd Frank Act created a family that is protecting visitors to federal markets, the Consumer Money Cover Bureau (CFPB). The CFPB has not yet published information to enable you to specifically manage the area of ​​financing new paychecks. However, on November 6, 2013, the CPFB announced that it could take complaints about payday funding issues through the public. thirteen specific steps of administration and you may eventually become regulations to be followed. 14



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Fig Loans Personal Loan Review 2021 – Forbes Advisor https://uncharted3blog.com/fig-loans-personal-loan-review-2021-forbes-advisor/ Mon, 27 Dec 2021 14:00:55 +0000 https://uncharted3blog.com/fig-loans-personal-loan-review-2021-forbes-advisor/ Fig loans are an expensive option. The best personal loans offer competitive rates, flexible loan amounts, and a wide range of terms. Here is how Fig loans compare to other lenders. Loans Fig vs. Personify Financial Personify Financial is more widely available, with lending options in 26 states versus eight states with loans Fig. It […]]]>

Fig loans are an expensive option. The best personal loans offer competitive rates, flexible loan amounts, and a wide range of terms. Here is how Fig loans compare to other lenders.

Loans Fig vs. Personify Financial

Personify Financial is more widely available, with lending options in 26 states versus eight states with loans Fig. It also offers a wider range of products. Details vary by state, but you can expect to borrow between $ 500 and $ 15,000 in most states, with terms of one to four years. While rates start at a much more affordable location (around 19% for most states), the high end of its rates are just as unaffordable as Fig loans.

Related: Personify the review of personal financial loans

Fig Loans vs Opp Loans

You can potentially borrow more with OppLoans, with borrowing limits ranging from $ 500 to $ 4,000, depending on your state. These are also longer term loans, with terms of nine to 18 months. Interest rates are always considered high, with rates ranging from 59% to 199%, depending on your state.

Related: OppLoans Personal Loan Review

Loans Fig vs. Upgrade

The upgrade is much more affordable than Fig loans, with rates ranging from around 6% to 36%, almost five times less than Fig loans, even on the high end. However, unlike Fig Loans, which focuses on loans similar to payday loans, Upgrade is designed for people who need to borrow larger sums of money, from $ 1,000 to $ 50,000.

Related: Personal Loan Review Upgrade


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Differences between the payday loan industry in Australia and the United States https://uncharted3blog.com/differences-between-the-payday-loan-industry-in-australia-and-the-united-states/ Thu, 23 Dec 2021 12:35:52 +0000 https://uncharted3blog.com/differences-between-the-payday-loan-industry-in-australia-and-the-united-states/ What are cookies As is common practice with almost all professional websites, https://cyprus-mail.com (our “Site“) uses cookies, which are small files downloaded to your device, to improve your experience. This document describes what information they collect, how we use it and why we sometimes need to store these cookies. We will also share how you […]]]>

What are cookies

As is common practice with almost all professional websites, https://cyprus-mail.com (our “Site“) uses cookies, which are small files downloaded to your device, to improve your experience.

This document describes what information they collect, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent the storage of these cookies, but this may degrade or “break” some elements of the functionality of the site.

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Americans struggle to make ends meet this holiday season as pandemic uncertainty remains, report from Elevate Center for the New Middle Class | National company https://uncharted3blog.com/americans-struggle-to-make-ends-meet-this-holiday-season-as-pandemic-uncertainty-remains-report-from-elevate-center-for-the-new-middle-class-national-company/ Tue, 21 Dec 2021 21:16:43 +0000 https://uncharted3blog.com/americans-struggle-to-make-ends-meet-this-holiday-season-as-pandemic-uncertainty-remains-report-from-elevate-center-for-the-new-middle-class-national-company/ FORT WORTH, TX – (BUSINESS WIRE) – December 21, 2021– Elevate Credit, Inc. (NYSE: ELVT) (“Elevate” or “Company”), a leading technology provider of innovative and responsible online lending solutions for unprivileged consumers, today announced the results of ‘a study of American consumers. on their financial health and economic sentiment. The results indicated that many Americans […]]]>

FORT WORTH, TX – (BUSINESS WIRE) – December 21, 2021–

Elevate Credit, Inc. (NYSE: ELVT) (“Elevate” or “Company”), a leading technology provider of innovative and responsible online lending solutions for unprivileged consumers, today announced the results of ‘a study of American consumers. on their financial health and economic sentiment. The results indicated that many Americans are still adjusting to the financial upheavals caused by the COVID-19 pandemic, many still hoping to look for another job, and others still without access to credit cards or bank accounts. ‘investment. Led by Elevate’s think tank, the Center for the New Middle Class (CNMC), the survey results were reported in the latest edition of CNMC’s Nonprime Tracker, which tracks differences and similarities in sentiment. financial, attitude and behavior of consumers with and without – top credit ratings.

The report, which surveyed more than 19,000 Americans over three years, found notable results among privileged and non-privileged consumers:

  • Unemployment among unprivileged Americans, or those with a credit score below 700, continues to exceed pre-COVID averages, while prime consumers experience steady growth in unemployment.
  • While prominent Americans may have taken their careers to the start of the pandemic, unprivileged Americans are just beginning to seek other employment opportunities.
  • Overall, Americans feel less financially secure than a year ago.
  • However, more households are reporting having an investment account, exposing more Americans to the economic growth brought about by a booming stock market.

Extraordinary spending, or those that disrupt household finances in a sudden and often prolonged manner, hit major consumers the most in the fourth quarter of 2020. Although this group has since seen a recovery close to pre-pandemic levels, data from November 2021 suggests that spending could increase. again, possibly due to vacation expenses.

“Our latest study illustrates how first and second-tier Americans continue to be resilient and resourceful, even as COVID persists,” said Jonathan Walker, executive director of CNMC. “The economic uncertainty of the past two years is now a constant in the lives of many people, but we are seeing that people have adjusted to this new normal and taken action to stay on track and achieve their financial goals. “

Link to the full report: https://www.newmiddleclass.org/december-non-prime-tracker-report/

About the Center for the New Middle Class

Elevate’s Center for the New Middle Class conducts research, engages in dialogue and establishes cooperation to generate an understanding of the behaviors, attitudes and challenges of America’s growing “new middle class”. For more information, please visit: newmiddleclass.org.

About the elevation

Elevate (NYSE: ELVT), working with the banks that license its marketing and technology services, has to date granted $ 9.5 billion in unprivileged credit to more than 2.6 million non-privileged consumers. privileged customers and has saved its clients over $ 8.8 billion over the cost of payday loans. Its responsible and technological online lending solutions provide immediate relief to today’s customers and help them build a brighter financial future. The company is committed to rewarding borrowers for good financial behavior with features like interest rates that may drop over time, free financial education, and free credit monitoring. Elevate’s suite of revolutionary credit products include RISE, Elastic, and Today Card. For more information, please visit http://corporate.elevate.com.

View source version on businesswire.com:https://www.businesswire.com/news/home/20211221005763/en/

CONTACT: Investor Relations:

Solebury Trout

Sloan Bohlen, 817-928-1646

investors@elevate.com

Where

Media inquiries:

Solebury Trout

Laurie Steinberg, 845-558-6370

lsteinberg@soleburytrout.com

KEYWORD: TEXAS UNITED STATES NORTH AMERICA

INDUSTRY KEYWORD: FINANCING OTHER CONSUMER BANKING SERVICES CONSUMER PROFESSIONALS

SOURCE: Elevate Credit, Inc.

Copyright Business Wire 2021.

PUB: 12/21/2021 4:15 p.m. / DISC: 12/21/2021 4:16 p.m.

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New UH Law Center Study Finds Racial And Ethnic Disparities In Lending Industry Advertising | Texas https://uncharted3blog.com/new-uh-law-center-study-finds-racial-and-ethnic-disparities-in-lending-industry-advertising-texas/ Tue, 21 Dec 2021 18:00:00 +0000 https://uncharted3blog.com/new-uh-law-center-study-finds-racial-and-ethnic-disparities-in-lending-industry-advertising-texas/ HOUSTON, December 21, 2021 / PRNewswire / – A new study written by University of houston Professor of the Law Center Jim hawkins and student Tiffany penner and published in the Emory Law Journal indicates that the payday loan industry often targets black and Latino communities in advertising their products, while the mainstream banking industry […]]]>

HOUSTON, December 21, 2021 / PRNewswire / – A new study written by University of houston Professor of the Law Center Jim hawkins and student Tiffany penner and published in the Emory Law Journal indicates that the payday loan industry often targets black and Latino communities in advertising their products, while the mainstream banking industry targets white consumers.

In “Advertising Injustices: Marketing Race and Credit in America”, Hawkins and Penner present two empirical studies they conducted of lenders in Houston, who verified these disparities in online advertising.

“Everyone knows that advertising affects behavior, so we looked at how banks and payday lenders advertise,” the authors said. “Sociologists have shown that people buy goods and services when they see other people like them buying these products. We wanted to know whether banks and payday lenders represented their clients in a way that represented the general population or only certain races. “

The study found:

  • While African Americans make up only 16% of auto securities lending clients and 23% of payday loan clients, 35% of the photographs on these lenders’ websites represent African Americans.
  • 77% of the advertisements in the physical locations of auto lenders and payday lenders in the study targeted racial minority groups.
  • 30% of traditional bank lender websites did not feature any African American model, and nearly 75% did not feature any Latin model.
  • In contrast, only 3% – a single bank’s website – did not have a white template.

Recent news articles, citing the Hawkins and Penner stock exchange, examine how lenders are maximizing their profits by demanding high interest rates during the COVID-19 pandemic when many people have been vulnerable and in dire financial straits. Data analysis by Bloomberg watch that black and Latino communities have become prime targets, and the article reports that many people have had to set aside government pandemic relief funds to help pay off debts.

Hawkins and Penner examined two important negative consequences that emerge from targeting African Americans and Latinos for payday loans and property titles while pictorially excluding them from traditional banks. The first consequence is that advertising works, and African Americans and Latinos are more likely than white customers to use high cost credit. They also found that advertising shapes societal norms and expectations about where people “fit in”. This in turn, according to the study, creates a “self-sorting” effect and contributes to racial disparity in access to credit.

Hawkins and Penner’s goal for the study is to have a positive impact that will change the way lenders advertise. Specifically, they encourage financial institutions to eliminate discriminatory marketing that omits certain racial groups, as some banks currently only feature white models in advertisements.

“We hope that companies will voluntarily change their advertising practices to represent people of all races in their advertising,” said the authors. In addition, we urge Congress to amend the Equal Credit Opportunity Act to explicitly prohibit discriminatory advertising by creditors, and federal regulators to use this law along with the Community Reinvestment Act to make advertising banks and fair payday lenders. “

Hawkins is Professor of Alumni Law at the UH Law Center. He got his JD from the University of Texas School of Law, where he was Grand Chancellor and editor-in-chief of the Texas Law Review. During his career he has published or published articles in publications such as Science, UCLA Law Review and more. His research has been featured in leading media such as the New York Times and the Washington Post.

Penner is a third-year rising student at the UH Law Center, where she is a member of the Houston Law Review and served on the board of directors of the student organization First-Generation Professionals. During her law studies, she worked as a summer partner at King & Spalding and as a judicial intern for Lee H. Rosenthal, Chief Justice of the United States District Court for the Southern District of Texas. Prior to law school, she worked at NASA as a contracting specialist for the International Space Station program.

Click here to read “Advertising Injustices: America’s Marketing and Credit Race”.

UHLC media contacts: Carrie Anna Criado, UH Law Center Assistant Dean of Communications and Marketing, 713-743-2184, cacriado@central.uh.edu; Elena hawthorne, deputy director of communications and marketing, 713-743-1125, ehawthor@central.uh.edu; and John brannen, Media Relations Representative, 713-743-3055, jtbranne@central.uh.edu.

About University of houston Center of Law

the University of houston Center of Law (UHLC) is a vibrant and leading law school located in the 4th largest city in the country. Health law, intellectual property law, and part-time UHLC programs are in the Top 10 in U.S. news. It grants Doctor of Jurisprudence (JD) and Master of Law (LL.M.) degrees through its academic branch, the College of Law. . The Law Center is more than just a law school. It is a powerful center of intellectual activity with more than 11 centers and institutes which feed its educational mission and its national reputation. UHLC is fully accredited by the American Bar Association and is a member of the Association of American Law Schools.

About University of houston

the University of houston is a Carnegie Designated Tier 1 public research university recognized by a Phi Beta Kappa Chapter for the excellence of its undergraduate teaching. UH serves global competition Houston and the Gulf Coast region by providing world-class faculty, experiential learning and strategic partnerships with industry. Located in the country’s fourth largest city and one of the most ethnically and culturally diverse regions in the country, UH is a federally designated Hispanic-American and Asian-American institution with more than 47,000 students enrolled. .

View original content to download multimedia:https://www.prnewswire.com/news-releases/new-study-from-the-uh-law-center-finds-racial-and-ethnic-disparities-in-lending-industry-advertising-301449242.html

THE SOURCE University of houston Center of Law

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New study from UH Law Center reveals racial and ethnic disparities in loan industry advertising https://uncharted3blog.com/new-study-from-uh-law-center-reveals-racial-and-ethnic-disparities-in-loan-industry-advertising/ Tue, 21 Dec 2021 16:21:39 +0000 https://uncharted3blog.com/new-study-from-uh-law-center-reveals-racial-and-ethnic-disparities-in-loan-industry-advertising/ A new study from the University of Houston Law Center found that the payday loan industry often targets black and Latino communities in advertising their products, while the mainstream banking industry targets white consumers. Photo credit: Karolina Grabowska In their study published in the Emory Law Journal, Professor Jim Hawkins and 3L student Tiffany Penner […]]]>

A new study from the University of Houston Law Center found that the payday loan industry often targets black and Latino communities in advertising their products, while the mainstream banking industry targets white consumers. Photo credit: Karolina Grabowska

Jim Hawkins and Tiffany Penner

In their study published in the Emory Law Journal, Professor Jim Hawkins and 3L student Tiffany Penner call for a change in advertising practices and regulations.

A new study written by Professor Jim Hawkins of the University of Houston Law Center and student Tiffany Penner and published in the Emory Law Journal indicates that the payday loan industry often targets black and Latino communities in advertising their products, while the mainstream banking industry targets white consumers.

In “Advertising Injustices: Marketing Race and Credit in America,” Hawkins and Penner present two empirical studies they conducted of lenders in Houston that verified these disparities in online advertising.

“Everyone knows that advertising affects behavior, so we looked at how banks and payday lenders advertise,” the authors said. “Sociologists have shown that people buy goods and services when they see other people like them buying these products. We wanted to know whether banks and payday lenders represented their clients in a way that represented the general population or only certain races. “

The study found:

  • While African Americans make up only 16% of auto securities lending clients and 23% of payday loan clients, 35% of the photographs on these lenders’ websites represent African Americans.
  • 77% of the advertisements in the physical locations of auto lenders and payday lenders in the study targeted racial minority groups.
  • 30% of traditional bank lender websites did not feature any African American model, and nearly 75% did not feature any Latin model.
  • In contrast, only 3% – a single bank’s website – did not have a white template.

Recent news articles, citing the Hawkins and Penner stock exchange, examine how lenders are maximizing their profits by demanding high interest rates during the COVID-19 pandemic when many people have been vulnerable and in dire financial straits. Data analysis by Bloomberg watch that black and Latino communities have become prime targets, and the article reports that many people have had to set aside government pandemic relief funds to help pay off debts.

Hawkins and Penner examined two significant negative consequences that emerge from targeting African Americans and Latinos for payday loans and title deeds while pictorially excluding them from traditional banks. The first consequence is that advertising works, and African Americans and Latinos are more likely than white customers to use high cost credit. They also found that advertising shapes societal norms and expectations about where people “fit in”. This in turn, according to the study, creates a “self-sorting” effect and contributes to racial disparity in access to credit.

Hawkins and Penner’s goal for the study is to have a positive impact that will change the way lenders advertise. Specifically, they encourage financial institutions to eliminate discriminatory marketing that omits certain racial groups, as some banks currently only feature white models in advertisements.

“We hope that companies will voluntarily change their advertising practices to represent people of all races in their advertising,” said the authors. In addition, we urge Congress to amend the Equal Credit Opportunity Act to explicitly prohibit discriminatory advertising by creditors, and federal regulators to use this law along with the Community Reinvestment Act to make advertising banks and fair payday lenders. “

Hawkins is Professor of Alumni Law at the UH Law Center. He received his JD from the University of Texas Law School, where he was Grand Chancellor and editor of the Texas Law Review. During his career he has published or published articles in publications such as Science, UCLA Law Review and more. His research has been featured in leading media such as the New York Times and the Washington Post.

Penner is a third-year rising student at the UH Law Center, where she is a member of the Houston Law Review and served on the board of directors of the student organization First-Generation Professionals. While in law school, she worked as a summer associate at King & Spalding and court intern for Lee H. Rosenthal, chief justice of the United States District Court for the Southern District of Texas. Prior to law school, she worked at NASA as a contracting specialist for the International Space Station program.

Click here to read “Advertising Injustices: America’s Marketing and Credit Race”.


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