Opposition to the Short-Term Borrowing Industry Offer No Realistic Private-Sector Credit Alternatives Other Than Taxpayer-Subsidized Loans.
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Eliminating Access to Credit Hurts, Not Helps, Hardworking Texans
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Hardworking Texans Deserve Access to Credit in a Financial Emergency
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Short-Term Borrowers Carefully Weigh the Risks, Value the Products, and are Overwhelmingly Satisfied with Their Loan Experiences
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Texas Credit Access Businesses (CABs) Helped Their Borrowers During the Covid-19 Pandemic
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The Short-Term Borrowing Industry has the Lowest Complaint Rate of All Financial Services in Texas
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The Texas Short-Term Borrowing Industry is Heavily Regulated by more than 26 Federal and State Laws
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The Texas Sunset Commission conducted an Exhaustive Review of Short-Term Credit Regulations Throughout 2018 and 2019
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Government price controls are disastrous for Texas
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There are unintended consequences of government-mandated interest rate caps that hurt Texans.
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Latest News

Loan Sharks? Interest rate cap would hurt those it’s designed to help

Original Article via Gazette Staff, Texarkana Gazette May 20, 2019 U.S. Sen. Bernie Sanders, I-Vt., and U.S. Rep Alexandria Ocasio-Cortez, D-N.Y., have an idea they think would do the public a lot of good. And it looks OK on paper. But the reality doesn’t measure up. Their idea is to put a maximum interest rate […]

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If you hate payday loans, come up with a better system

Tim Worstall, a senior fellow at the Adam Smith Institute, discusses the dangers of eliminating short-term loans without a viable alternative.

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The Washington Post Plays Fast and Loose in Coverage of CFPB Performance During Pandemic

The Washington Post Plays Fast and Loose in Coverage of CFPB Performance During Pandemic Article by Matthew Adams and published by The Competitive Enterprise Institute on August 26, 2020.  In a recent piece, Washington Post Opinions Contributor Helaine Olen slammed CFPB Director Kathy Kraninger for doing too little to protect consumers during the COVID-19 pandemic. Olen claims that […]

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