{"id":2097,"date":"2019-08-05T13:21:56","date_gmt":"2019-08-05T20:21:56","guid":{"rendered":"https:\/\/economicintegrity.org\/?p=2097"},"modified":"2020-03-30T19:31:33","modified_gmt":"2020-03-31T02:31:33","slug":"new-report-title-lending-in-arizona-2019","status":"publish","type":"post","link":"https:\/\/economicintegrity.org\/?p=2097","title":{"rendered":"New Report: Title Lending in Arizona 2019"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"110\" src=\"https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/05\/CEI-page-header-for-email-v3-960x110.png\" alt=\"\" class=\"wp-image-1960\" srcset=\"https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/05\/CEI-page-header-for-email-v3-960x110.png 960w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/05\/CEI-page-header-for-email-v3-960x110-150x17.png 150w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/05\/CEI-page-header-for-email-v3-960x110-300x34.png 300w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/05\/CEI-page-header-for-email-v3-960x110-768x88.png 768w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<p>Contact<g class=\"gr_ gr_56 gr-alert gr_gramm gr_inline_cards gr_run_anim Style replaceWithoutSep\" id=\"56\" data-gr-id=\"56\">: <\/g><strong><g class=\"gr_ gr_56 gr-alert gr_gramm gr_inline_cards gr_run_anim Style replaceWithoutSep\" id=\"56\" data-gr-id=\"56\">Kelly<\/g> Griffith<\/strong>, Executive Director, <a href=\"https:\/\/economicintegrity.org\/\">Center for Economic Integrity<\/a> (520) 250-4416<br><\/p>\n\n\n\n<strong><a href=\"https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/08\/2019-08-05-Press-Release-Still-Wrong-Title-Lending-Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><i class=\"fas fa-file-pdf\" aria-hidden=\"true\"><\/i> News Release: August 5, 2019<\/a><\/strong>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>(TUCSON) \u2013 August 05, 2019<\/strong>, The Southwest Center for Economic Integrity, a nonprofit organization based in Tucson, has issued an updated report on title lending in Arizona. &nbsp;The report provides current information on the title lending industry in Arizona, and points to some alarming trends in the industry which offers triple-digit interest rate loans that trap borrowers in a cycle of debt.  <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Car title loan companies are taking full advantage of a grey area in Arizona law and migrating to a product that is for all intents and purposes a payday loan by another name.<\/p><p>The so-called Registration Loan has all of the characteristics of a payday loan including requiring access to borrower\u2019s bank accounts. Registration loans are sold to people who hold a vehicle registration but don\u2019t own the vehicle outright.  AZ voters rejected triple-digit interest rate consumer lending in 2008 when they voted NO on the payday industry\u2019s Prop 200 by a 60 40% margin.  People look askance at me today and wonder why the state still allows this type of usurious lending.<\/p><cite>Kelly Griffith, Executive Director, Southwest Center for Economic Integrity<\/cite><\/blockquote>\n\n\n\n<p>Many former payday lenders are still licensed to make title loans in AZ.  The report\u2019s key finding includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The Center for Responsible Lending (CRL)\nestimates that Arizona borrowers annually pay $254,924,519 in interest charges\nfor title loans<a href=\"#_edn1\">[i]<\/a>.<\/li><li>Arizona title loan law authorizes annual rates\nof 204 percent for loans up to $500 with the lowest tiered rate of 120 percent\nannual rate for loans over $5,000. <\/li><li>In 2019, five of the ten largest title lenders \u2014\nand 37 percent of all title lender licensed locations \u2014 were licensed as payday\nlenders 12 years ago.<\/li><li>Arizona permits lenders to charge title loan\nrates to consumers who do not hold a clear title to the vehicle used to\n\u201csecure\u201d the loan. Seventy-five percent of licensed locations make\n\u201cregistration loans.\u201d This is up from 2015 when almost 50 percent of locations\nmade these loans.<\/li><li>In 2019, 73 companies hold 80 unique licenses\nfrom AZDFI to make title loans. These companies have 476 licensed locations,\nnot counting unlicensed service locations.<\/li><\/ul>\n\n\n\n<p>Reform efforts in the title loan market have hit repeated roadblocks in the AZ Legislature. The report highlights a number of bills introduced that failed in the state legislature.  These bills were designed to cap title loan rates or repeal the title loan carve-out from the Consumer Lender Law usury cap protection.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Voters need to understand that title lenders have a separate statutory carve-out from our consumer lending usury law and that the defeat of the payday lenders\u2019 initiative prop 200 in 2008 did not apply to title lending.<\/p><p>Title Lending exposes Arizona families to repeat borrowing to avoid losing vehicles to repossession. Many of the title lenders we examined for this report promote their loans based on the value of the borrower\u2019s vehicle, not the borrower\u2019s ability to repay the loan, demonstrating that these loans are debt traps.<\/p><cite>Jean Ann Fox, lead researcher<\/cite><\/blockquote>\n\n\n\n<p>This is a significant drain on Arizona\u2019s economy, diverting dollars to out-of-state companies that otherwise would be spent in the local economy on everyday necessities.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Triple-digit rates strip millions of dollars annually from the pockets of people across the state.<\/p><p>It was wrong in 2000 when the state legislature legalized triple-digit interest rate title lending.  It was wrong in 2008 when voters rejected triple-digit payday lending interest rates.  It was wrong in 2016 when we released our first report on title lending in Arizona and it is still wrong today.<\/p><cite>Kelly Griffith, Executive Director, Southwest Center for Economic Integrity<\/cite><\/blockquote>\n\n\n\n<p>The <a href=\"https:\/\/economicintegrity.org\/wp-content\/uploads\/2019\/08\/2019-CEI-Brief-Update-Car-Title-Loan-Survey-8-4-19.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"2019 report (opens in a new tab)\">2019 report<\/a> ends with a recommendation to support the Arizona Fair Lending Act on the 2020 ballot (Prop #16-2020) and compares key provisions of the ballot initiative with current Arizona title loan law.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"#_ednref1\">[i]<\/a>\n<a href=\"https:\/\/www.responsiblelending.org\/research-publication\/payday-and-car-title-lenders-drain-8-billion-fees-every-year\">Payday and Car Title Lenders Drain $8 Billion in Fees\nEvery Year<\/a>,\u201d updated April 2019 at <a href=\"https:\/\/www.responsiblelending.org\/sites\/default\/files\/nodes\/files\/research-publication\/crl-statebystate-fee-drain-apr2019.pdf\">www.responsiblelending.org<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center\">###<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contact: Kelly Griffith, Executive Director, Center for Economic Integrity (520) 250-4416 News Release: August 5, 2019 (TUCSON) \u2013 August 05, 2019, The Southwest Center for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4,5,6],"tags":[14,10],"class_list":["post-2097","post","type-post","status-publish","format-standard","hentry","category-predatory-lending","category-press-releases","category-research-reports","tag-afl-act","tag-consumer-protection"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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