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Easier to go without electricity, claims Cedric Jones, than just just just take down an online payday loan to help keep the lights on. Jones is amongst the Ferguson, Missouri, residents quoted in Forward through Ferguson, the just-released report of the payment appointed by Governor Jay Nixon to conduct a “thorough, wide-ranging and unflinching research for the social and economic climates that impede progress, equality and safety into the St. Louis area.”

The authors identify predatory lending as a significant barrier to racial justice in a document largely concerned with law enforcement. (See pages 1, 49, 50, 56, 130 and 134 of this report.) “Low-income households in Missouri with restricted use of credit usually look for high-cost that is‘payday to take care of increas ed or unanticipated crisis expenses,” they compose. Continue reading →