As the LA Times notes, the research doesn’t exactly break new ground. Data has existed for years showing both that payday loan borrowers are disproportionately low-income and disproportionately Black and Latino, and that payday lenders tend to geographically target advertising and storefront locations in neighborhoods with high concentrations of African American, Hispanic and low-income households. Researchers told the LA Times that they were expecting more Black and Latino faces in mainstream bank marketing materials, especially now — after a year of uprisings since the killing of George Floyd and Breonna Taylor at the hands of police officers as well as a pandemic that highlighted and exacerbated longstanding racial disparities.