Commentary: Cap the interest
Long Island Business News, Apr 16, 2010
With health care reform out of the way, like it or not, the Senate is gearing up for a long look at the banking and finance industries, with the goal of adding controls in the wake of the subprime mortgage mess and the Wall Street meltdown that followed.
The financial industry is throwing millions of dollars at a lobbying effort in hopes that reform can be stopped, or at least muted, but Congress is in the mood and taxpayers, who footed the bill for the banking bailout, want blood.
One tiny slice of the reform package is expected to center on consumer lending, including high-interest car loans, tax return “anticipation” credit and payday loans, which an increasing number of Americans have turned to during the recession. Once the mainstay of strip-center finance companies and other shady operators, high- interest loans have become a popular new credit line for many banks, including some taxpayers just bailed out of trouble.
Bank regulators have so far looked the other way, much as they did with the subprimes. That’s a mistake.
Fifteen states and the District of Columbia have decided not to wait for federal reform and have passed laws that cap interest rates in the double digits, far lower than the 400 percent charged on some of these loans. The Pentagon has also banned payday loans to service members, saying they represent a national security risk.
A typical payday borrower now forks out as much as $400 in interest on a $300 loan, according to the Center for Responsible Lending, a not-for-profit watchdog group
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