NEW STUDY:

PHANTOM DEMAND: Short-term due date generates need for repeat payday loans, accounting for 76% of total volume — July 2009

GET INVOLVED TODAY:

Flier: “The Sun Must SET on 400%” (PDF)

Donation Form (PDF)

Frequently Asked Questions (PDF)

AZ Research: Payday Lending Traps Arizona Borrowers (PDF)

Why Prop 200 was No Reform At All — A look back at the smoke and mirror “reforms” offered then… (PDF)

WHAT THE RESEARCH SAYS:

Consumers Better Off Without Payday Lending (PDF)
University of North Carolina study: Consumer attitudes and experiences post-Payday Sunset – November 2007

Public favors 36% Cap by large margin
Center for Responsible Lending – March 2009

Predatory Profiling:
The Role of Race and Ethnicity in the Location of Payday Lenders
Center for Responsible Lending – March 2009

Payday Loans and the Economy:
36% Cap Promotes Financial Recovery (PDF)
Center for Responsible Lending – January 2009

Predatory Financial Services Industry Contributes to State Politics (PDF)
National Institute on Money in State Politics – July 2008

Springing the Debt Trap: 36% Cap Springs the Trap
Center for Responsible Lending – December 2007

Financial Quicksand: Payday Lending Sinks Borrowers
Center for Responsible Lending – November 2006

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Payday Lenders Target Arizona College Students (PDF)
U of A Norton School/Arizona PIRG – October 2008

Do Payday Loans Cause Bankruptcy? (PDF)
Vanderbilt Law School and University of Pennsylvania – October 2008

MORE INFO:

PaydayLoanInfo.org

Americans for Financial Reform

Credit Unions Replacing Boarded-Up Payday Lenders

Payday Lending: How the Debt Trap Catches Borrowers

UNITED AGAINST USURY:

Arizona Ecumenical Council Resolution