The Power of Community Action: Anti‐Payday Loan Ordinances in Three Metropolitan Areas

152 Pages Posted: 2 Feb 2017 Last revised: 4 May 2017

See all articles by Robert N. Mayer

Robert N. Mayer

University of Utah - Department of Family and Consumer Studies (FCS)

Nathalie Martin

University of New Mexico - School of Law

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Date Written: January 24, 2017

Abstract

Local ordinances that restrict payday lending constitute an important strategy in the overall attack on this problematic form of lending. In this report, made possible by the generous support of Silicon Valley Community Foundation, we describe and analyze campaigns in three locales that differ markedly in the opportunities and challenges faced by ordinance advocates. The locales are Santa Clara and San Mateo counties in California (“Silicon Valley”); Dallas, Denton, and Tarrant counties in Texas; and Salt Lake County in Utah. This report finds both commonalities and important variations among these campaigns. While there is no single recipe for a successful ordinance campaign, our comparative analysis suggests the following ten lessons for payday lending opponents and other advocates of social reform via local action.

Note: Funded by the Silicon Valley Community Foundation.

Suggested Citation

Mayer, Robert N. and Martin, Nathalie, The Power of Community Action: Anti‐Payday Loan Ordinances in Three Metropolitan Areas (January 24, 2017). UNM School of Law Research Paper No. 2017-02, Available at SSRN: https://ssrn.com/abstract=2910683 or http://dx.doi.org/10.2139/ssrn.2910683

Robert N. Mayer

University of Utah - Department of Family and Consumer Studies (FCS) ( email )

UT
United States

Nathalie Martin (Contact Author)

University of New Mexico - School of Law ( email )

1117 Stanford, N.E.
Albuquerque, NM 87131
United States

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