{"id":3281,"date":"2023-01-20T10:53:45","date_gmt":"2023-01-20T17:53:45","guid":{"rendered":"https:\/\/economicintegrity.org\/?p=3281"},"modified":"2023-01-20T10:53:46","modified_gmt":"2023-01-20T17:53:46","slug":"how-title-lenders-trap-poor-americans-in-debt-with-triple-digit-interest-rates","status":"publish","type":"post","link":"https:\/\/economicintegrity.org\/?p=3281","title":{"rendered":"How Title Lenders Trap Poor Americans in Debt With Triple-Digit Interest Rates"},"content":{"rendered":"\n<a href=\"https:\/\/www.propublica.org\/article\/title-lenders-trap-georgia-residents-in-debt\" target=\"_blank\" rel=\"noopener noreferrer\"><i class=\"fas fa-newspaper\" aria-hidden=\"true\"><\/i> ProPublica | by Margaret Coker, The Current, and Joel Jacobs, ProPublica, with research by Mollie Simon, ProPublica | <span class=\"submitted-date\">November 14, 2022<\/span><\/a>\n\n\n\n<p> <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01-1024x682.jpg\" alt=\"\" class=\"wp-image-3283\" srcset=\"https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01-1024x682.jpg 1024w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01-300x200.jpg 300w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01-150x100.jpg 150w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01-768x511.jpg 768w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01-1536x1023.jpg 1536w, https:\/\/economicintegrity.org\/wp-content\/uploads\/2023\/01\/20221110-TitleMax-Lead-01.jpg 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">A TitleMax location in Savannah, Georgia Credit: Malcolm Jackson for ProPublica<\/figcaption><\/figure>\n\n\n\n<p>&#8220;<em>TMX Finance, TitleMax\u2019s parent company, calls itself a community resource to its 293,000 customers, people written off as credit risks by traditional lending institutions but who need financing to pay for life\u2019s basic needs. As the nation\u2019s largest title lender, TitleMax thrives on an innovative business model that lends money to risky clients in exchange for collateral: the title to the vehicle in which the customers drove to the store. In 2019, TMX Finance reported $910 million in revenue, primarily from its TitleMax brand.<\/em><\/p>\n\n\n\n<p><em>Rather than seeing the company as a force for good, a growing consortium of lawmakers, religious leaders and consumer advocates believe TitleMax, and its industry writ large, to be predatory leeches on the growing ranks of working-class Americans. More than 30 states prohibit title lending or have laws inimical to the industry. In 2016, TMX Finance paid a $9 million fine, approximately 1% of the company\u2019s revenue that year, to the federal Consumer Financial Protection Bureau, which ruled that the company misled customers about the full costs of its loans in Georgia, Alabama and Tennessee. Since then, at least five states have passed laws capping interest rates that title lenders can charge at 36% per year.<\/em>&#8220;<\/p>\n\n\n\n<p>&#8230;continued&#8230;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.propublica.org\/article\/title-lenders-trap-georgia-residents-in-debt\" target=\"_blank\" rel=\"noreferrer noopener\">Read more<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ProPublica | by Margaret Coker, The Current, and Joel Jacobs, ProPublica, with research by Mollie Simon, ProPublica | November 14, 2022 &#8220;TMX Finance, TitleMax\u2019s parent [&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],"tags":[10],"class_list":["post-3281","post","type-post","status-publish","format-standard","hentry","category-predatory-lending","tag-consumer-protection"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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