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Are state interest-rate caps an automatic win for borrowers?


Are state interest-rate caps an automatic win for borrowers?
Annie Millerbernd
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Small-dollar, short-term lenders, unburdened by a federal maximum interest rate, can charge borrowers rates of 400% or more for their loans.
But more states are bringing that number down by setting rate caps to curb high-interest lending. Currently, 18 states and Washington, D.C., have laws that limit short-term loan rates to 36% or lower, according to the Center for Responsible Lending. Other states are weighing similar legislation.
“This legislative session we’ve seen an increased and renewed interest in limiting interest rates and limiting the harms of payday loans,” says Lisa Stifler, director of state policy for the CRL. ....

United States , Andrew Duke , Annie Millerbernd , Sara Nelson Pallmeyer , Jacqueline Collins , Consumer Financial Protection Bureau , Online Lenders Alliance , Lisa Stifler , Consumer Financial Protection , Pew Charitable , Executive Director Sara Nelson Pallmeyer , ஒன்றுபட்டது மாநிலங்களில் , ஆண்ட்ரூ டியூக் , ஜாக்குலின் கோலின்ஸ் , நுகர்வோர் நிதி ப்ரொடெக்ஶந் பணியகம் , நிகழ்நிலை கடன் வழங்குநர்கள் கூட்டணி , லிசா ஸ்டிப்லேர் , நுகர்வோர் நிதி ப்ரொடெக்ஶந் , பியூ தொண்டு ,

Are state interest-rate caps an automatic win for borrowers?


Are state interest-rate caps an automatic win for borrowers?
Annie Millerbernd NerdWallet
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There is no federal maximum interest rate on consumer loans, so absent a state law, lenders can charge high rates on small loans. But recently, more states have moved to bring that number down.Mark Humphrey | AP
Small-dollar, short-term lenders, unburdened by a federal maximum interest rate, can charge borrowers rates of 400% or more for their loans.
But more states are bringing that number down by setting rate caps to curb high-interest lending. Currently, 18 states and Washington, D.C., have laws that limit short-term loan rates to 36% or lower, according to the Center for Responsible Lending. Other states are weighing similar legislation. ....

United States , Andrew Duke , Sara Nelson Pallmeyer , Jacqueline Collins , Consumer Financial Protection Bureau , Online Lenders Alliance , Lisa Stifler , Consumer Financial Protection , Pew Charitable , Executive Director Sara , ஒன்றுபட்டது மாநிலங்களில் , ஆண்ட்ரூ டியூக் , ஜாக்குலின் கோலின்ஸ் , நுகர்வோர் நிதி ப்ரொடெக்ஶந் பணியகம் , நிகழ்நிலை கடன் வழங்குநர்கள் கூட்டணி , லிசா ஸ்டிப்லேர் , நுகர்வோர் நிதி ப்ரொடெக்ஶந் , பியூ தொண்டு , நிர்வாகி இயக்குனர் சாரா ,