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Because of this local ordinance, Houston made payday and title lending slightly less profitable. To avoid being late on bills, racking up late charges, and having her utilities shut off, Crystal Delacruz decided to take out a payday loan in Houston. And it was—it only took 20 minutes to complete. It took a whole year to pay back the loan.
What do you find? Pages upon pages of news stories about the predatory nature of payday loans. Each news story showcases battles between lawmakers and lenders, residents losing money, and other interesting topics, such as arrests.
A title loan is like a payday loan, as it is used for a small amount of money for a short period of time. Unlike a payday loan, though, a title loan requires the title to your vehicle as collateral. Like Austin, Dallas, and other major cities throughout Texas, Houston has adopted stricter title loan regulations than the state generally has. Houston requires title loan providers to register with the city, and loan contracts must meet certain specifications.
There are limits to the amount a lender can offer, the contract must be written in simple language, and the borrower must be given information about resources they can use if they fall behind in their payments.
That was the situation one Houston resident found herself in. K, a Houston grandmother, took out a title loan when she had trouble making rent. Another Houston resident, Tiffany Richardson, was profiled by the New York Times about her experience with title loans.
Richardson, a nurse, was forced to take out a title loan in Houston after her mother was diagnosed with cancer. Richardson took so much time caring for her mother, she lost her job. She ended up losing both of those cars. Now finally out of debt with a new job and a new car, she warns everyone she can to never use title or payday lenders.
You can read more about Tiffany Richardson here. Accessed March 22, Accessed April 17, With new payday and title loan ordinances in Houston in effect, how did lenders react? Drawing on the experiences of Austin, Dallas, and other cities, Houston did not expect any payday lenders to close their businesses. As long as payday and title lenders in Houston continue to operate profitably, they will continue to do business, complying with the new regulations.
However, instead of complying with the new regulations in Houston, many lenders might attempt to find loopholes, such as redirecting a consumer to rollover a loan in a store outside of Houston.
In fact, State Rep. He continues to fight Legislature and in court to prevent any new regulation of the industry. While trying to kill off a package of modest reforms sponsored by former republican state Rep.
He led a fight against payday loan controls while candidly acknowledging that the proposed restrictions would hurt his personal payday loan businesses. If you are experiencing a threatening title or payday lender in Houston, or if the lender is not following the ordinances of the city, it is important to speak out. By filing a complaint with the Houston Permitting Center , you can help lawmakers create tighter restrictions on title and payday loans in Houston.
To file a complaint, call the Houston Permitting Center at , or by emailing Houstonpermithelp Houstontx. To file a complaint against a payday or title lender in Houston, TX, first ensure the lender is within the city limits. Once your complaint is received, the Houston Permitting Center will review the forms to ensure the application and required documentation is complete.
Throughout the payday loan and title loan fight in Houston, TX, there have been several individuals and companies standing with consumers—some of them well-known faces in the city. Parker believes that joining other Texas cities in a united front would be the best way to send a strong message to the Texas legislature. The statewide model I am recommending for approval by Houston City Council achieves this balance.
Further help can be found through outside legal groups. For legal assistance, Texas Appleseed is also available to help. Texas Appleseed works with residents of Houston, as well as other cities across Texas, to fight against predatory lending. If you need help with payday loans or title loans in Houston, Texas Appleseed can work with you to fight predatory lending.
You know payday loans in Texas are a problem. But what about at the city level? Accessed April 21,