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“Personal installment loans are often a critical lifeline for borrowers with limited credit options, allowing them to pay for unexpected expenses or to consolidate debts.”

- Assistant Attorney General Bill Baer, Justice Department Antitrust Division (2015)

“In both rich and poor countries alike, credit institutions have favored the rich and in so doing, have pronounced a death sentence on the poor… "

- Muhammad Yunus, Banker to the Poor (1999)

“We recognize the need for emergency credit. At the same time, it is important that these products actually help consumers, rather than harm them.”

-Richard Cordray, CFPB, Birmingham, AL (Jan 2013)

“Payday borrowers strongly support requiring the loans to have affordable installment payments.”

- Pew Charitable Trusts

City of Debtors, a Century of Fringe Finance by Anne Fleming (Review)

September 12th, 2019|Comments Off on City of Debtors, a Century of Fringe Finance by Anne Fleming (Review)

A recent article by Anne Fleming, Associate Professor of Law at Georgetown University, in which she pointed out the follies of a 36% rate cap, and how such caps tended to harm those they were [...]

Addressing Little Rock’s Credit Deserts

August 29th, 2019|Comments Off on Addressing Little Rock’s Credit Deserts

Dr. Rickie Keys continues his important work looking at the impacts of a lack of access to financial services. As banks across the nation relocate their branches from low and moderate income neighborhoods to affluent ones [...]

Annual Meeting, Washington DC (September 17-19, 2019)

August 16th, 2019|Comments Off on Annual Meeting, Washington DC (September 17-19, 2019)

NILA's Annual Meeting is a month away. It will take place at the W Hotel,with a kick-off reception at  5.30 pm on Tuesday September 17. A full day's agenda will take place with guest [...]

Fundamentals of installment lending and why loans are safer and more affordable than #paydayloans


Yesterday, AFSAEF Executive Director Rhonda Ashburn presented MoneySKILL to the Fall Leadership Workshop for the American Association of Family & Consumer Sciences @aafcs. #MoneySKILL #financialliteracy

With legislators adjourning for the year, California’s sweeping privacy law is set to go into effect in January without any broad changes https://t.co/zCaPBbyECm via @WSJ #CCPA

Registration is now officially open for the AFSA Annual Meeting! Join us in Nashville this October to enhance your professional growth. Meet top industry players and learn the latest trends and best practices:

Register here ➜ https://t.co/7sTBEqEZKu

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