Consumer Service Alliance of Texas: Resources




	Articles Why Payday Loans Are So Expensive By Tim Worstall Forbes, December 20, 2011 Sowell: Misreporting adds interest to payday-loan report By Thomas Sowell Alexandria Town Talk, LA, November 4, 2011 WJBC Forum: Treating symptoms, not causes By David Stanczak WJBC-AM, Bloomington, IL, October 26, 2011 99% Invisible: check cashing stores vs. the banks By Roman Mars KALW-FM, San Francisco, CA, March 7, 2011 Debit fee caps may hurt poorest customers: Dimon By Maria Aspan Reuters, January 14, 2011 Feedback: Payday Customers Get Clear Info Joe Adler American Banker, December 2, 2010 A Payday Alternative By Laura Thompson Osuri US Banker, October 27, 2010 Q&A with Elizabeth Warren: 'The changes are starting now' By Jim Puzzanghera Los Angeles Times, October 26, 2010 Warren Outlines New Approach to Consumer Protection By Bill Swindell National Journal, October 26, 2010 Liberal policy didn't cause the mortgage crisis, racism did By Monte Kuligowski RenewAmerica, October 12, 2010 City Lights: Payday loan initiative is 'misguided' By Ed Kemmick Billings Gazette, MT, October 9, 2010 WILLIAMS: Cash-flow quagmire in America By Armstrong Williams The Washington Times, September 27, 2010 Payday Loans Online - Are The Lenders Getting A Fare Shake? By Lynn Ashton Daily News Pulse, September 24, 2010 Magic Numbers By Thomas Sowell National Review, April 17, 2009 Financial Mess Stems From Poor Math Education By James Bowers Tucson Citizen, January 13, 2009 Payday Lenders Strike Back, Targeting Bank Overdraft Fees By Chase Martyn The Iowa Independent, January 12, 2009 Payday Industry in Danger of Default By Rich Duprey The Motley Fool, November 10, 2008 Check Cashers, Redeemed By Douglas McGray New York Times Magazine, November 7, 2008 Controlling Interest: Are Ceilings on Interest Rates a Good Idea? Chicago Federal Reserve Legislation Consumer Protection Laws Truth in Lending Act Gramm-Leach-Bliley Act Newsletters Clemson Study Offers Surprising Conclusion About Payday Loans By Matthew C. Keegan Say Campus Life, January 22, 2009 Moving Texas Toward Financial Success Federal Reserve Bank of Dallas, Banking and Community Perspectives, Issue 2, 2008 News Releases Banks And Credit Unions Collect $37 Billion In Fees Annually On Overdrawn Checking Accounts Bretton Woods, Inc., January 12, 2009 Op-eds Credit Crunch Gives 'Borrowing' A Bad Name By Tim Miller Seattle Post-Intelligencer, January 9, 2009 Freedom Means Responsibility By George McGovern, Former U.S. Senator, D-SD, and Democratic Presidential Nominee The Wall Street Journal. March 7, 2008 Studies - Academic Expanding Credit Access: Using Randomized Supply To Estimate The Impacts By Dean Karlan and Jonathan Zinman Yale University and Dartmouth College. January 2008 Restrictions on Credit: A Public Policy Analysis of Payday Lending By Petru S. Stoianovici and Michael T. Maloney The Brattle Group and Clemson University, October 2008 Hidden Consumer Loans: An Analysis of Implicit Interest Rates on Bounced Checks By Marc Anthony Fusaro Department of Economics, East Carolina University, 2007 Studies - Government FDIC Study of Bank Overdraft Programs Federal Deposit Insurance Corporation, November 2008 Defining and Detecting Predatory Lending By Donald P. Morgan Federal Reserve Bank of New York, Staff Report No. 273, January 2007 Payday Holiday: How Households Fare After Payday Credit Bans By Donald P. Morgan and Michael R. Strain Federal Reserve Bank of New York. Raw Data, November 2007 Bank Fees: Federal Banking Regulators Could Better Ensure That Consumers Have Required Disclosure Documents Prior to Opening Checking or Savings Accounts U.S. Government Accountability Office, January 2008 Studies - Industry 2008 Fee Analysis of Bank and Credit Union Non-Sufficient Funds and Overdraft Protection Programs By G. Michael Flores Bretton Woods, Inc., January 9, 2009 Studies - Think Tanks How Access to Short-Term Credit Helps Consumers By Chris Robertson Texas Public Policy Foundation, April 2009 Contrasting Payday Loans to Bounced Check Fees By Thomas E. Lehman, Ph, D. Consumer Credit Research Foundation, June 2005 Useful Links Community Financial Services Association of America (CFSA) Privacy.Org Electronic Privacy Information Center Privacy Rights Clearinghouse Center for Consumer Freedom Consumer Credit Research Foundation Financial Web National Foundation for Credit Counseling Better Business Bureau

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