Data & Research

Texas Data

Payday and Auto Title Lending in Texas: Market Overview and Trends 2012-2015, Texas Appleseed (2016).

State and MSA Data

Texas Office of the Consumer Credit Commissioner (OCCC) Quarterly and Annual Data: Credit Access Businesses

2015 Report on Availability, Quality, and Pricing of Certain Financial Services and Consumer Loan Products, Texas Office of the Consumer Credit Commissioner (2015).

Analysis of Non-Real Estate Consumer Lending Regulated by the Office of Consumer Credit Commissioner, Texas Finance Commission (2005).


CFPB Data & Rulemaking

Proposed Rulemaking on Payday, Vehicle Title, and Certain High-Cost Installment Loans, Consumer Financial Protection Bureau (June 2016).

Supplemental Findings on Payday, Payday Installment, and Vehicle Title Loans, and Deposit Advance Products, Consumer Financial Protection Bureau (June 2016).

Single-Payment Vehicle Title Lending, Consumer Financial Protection Bureau (May 2016).

Online Payday Payments, Consumer Financial Protection Bureau (April 2016).

CFPB Data Point: Payday Lending, Consumer Financial Protection Bureau (2014).

Payday Loans and Deposit Advance Projects: A White Paper of Initial Data Findings, Consumer Finance Protection Bureau (2013).


Payday & Auto Title Lending Industry’s Political Contributions:

Politicians Cower in Payday-Loan Pockets, Texans for Public Justice (2015).

Texas Legislators Taking Money from Payday Lending Industry, The Baptist Standard (2014).


Background Documents on Texas Payday Loans and Auto Title Loans:

Pulling Back the Curtain: Shining a Light on Payday and Auto Title Loan Businesses in Texas, Texas Appleseed (2015).

Family Budget Busters: Payday and Auto Title Loans are Getting More Expensive for Texans, Center for Public Policy Priorities (2014).

Why Texas’ Small-Dollar Lending Market Matters, Texas AppleseedFederal Reserve Bank e-perspective (2012).

The Hidden Costs of Payday Lending, Don Baylor, Center for Public Policy Priorities, Texas Business Review (2008).

Short-term Cash, Long-term Debt: The Impact of Unregulated Lending in Texas, Texas Appleseed (2009).

The Payday Loan Industry of Dallas:  Issues, Challenges and Recommendation, Better Business Bureau Investigative Summary (2012).

Thrift or Debt: Which Direction is Right for Texas?,  Christian Life Commission of the Baptist General Convention of Texas (2011).


Studies and Surveys on Fast Cash Payday Advance and Auto Title Loans in Texas

Auto Title Loans: Market Practices and Borrowers’ Experiences, Pew Charitable Trusts (2015).

Payday and Car Title Lenders’ Migration to Unsafe Installment Loans, Citizens for Responsible Lending (2015).

States Facing Increased Risks from Online Lending, Pew Charitable Trusts (2015).

The Case for Payday and Auto Title Loan Reform:  Texans’ Stories – Texans share their stories of being caught in the destructive cycle of debt caused by payday and auto title loans (2011).

Texas Fair Lending Alliance and Texas Faith for Fair Lending, Short-Term Lending Survey and MemoPress Release on Survey (2012).

Catholic Charities Survey on Payday and Auto Title Loan Use (2010).


Additional Studies and Analysis

Online Payday and Installment Loans: Who Uses Them and Why?, MDRC (June 2016).

CFPB Proposal for Payday and Other Small Loans, Pew Charitable Trust (2015).

The State of Lending in America and its Impact on U.S. Households, Citizens for Responsible Lending (2015).

How State Rate Limits Affect Payday Loan Prices, Pew Charitable Trust (2014).

How Borrowers Choose and Repay Payday Loans, Payday Lending in America: Safe Small-Dollar Loans Research Project, Pew Charitable Trust (2013).

Who Borrows, Where They Borrow, and Why, Payday Lending in America: Safe Small-Dollar Loans Research Project, Pew Charitable Trust (2012).

The Military Lending Act Five Years Later, Consumer Federation of America (2012).

A Complex Portrait: An Examination of Small-Dollar Credit Consumers, Center for Financial Services Innovation (2012).

Reshaping The Future Of Small Dollar Lending in Texas:  Alternatives to High-Cost Payday and Auto Title Loans, Texas Appleseed (2012).

Payday Loans, Inc.:  Short on Credit, Long on Debt, Center for Responsible Lending (2011).

Payday Loans Put Families in the Red, Center for Responsible Lending Issue Brief (2009).

Phantom Demand: Short-term due date generates need for repeat payday loans, accounting for 76% of total volume, Center for Responsible Lending (2009).

Car Title Lending:  Driving Borrowers to Financial Ruin, Center for Responsible Lending and Consumer Federation of America (2005).

Driven into Debt:  CFA Car Title Loan Store and Online Survey, Consumer Federation of America (2005).


Editorials On the Need for Reform

PBS News Hour: Fighting the Debt Trap of Triple-Digit Interest Rate Payday Loans, 1.06.2016

Houston Chronicle: Editorial – Congress should support federal consumer agency rules that rein in predatory loans, 06.15.2016; Editorial – Federal rules on payday lenders would add teeth to new local laws, 06.02.2016;Editorial – Rein in Unscrupulous Lending,  11.29.2012Editorial – Unfair Lenders Should Be Stopped,  6.29.2012; Let’s help the vulnerable by regulating payday loans, 5.5.2011; Legal Loan Sharks: Predatory lenders lurk just around the corner, 2.11.2011; Christmas future: We wish better protection for those who must use payday lenders, 12.25.2010.

Houston must rein in predatory loans, Op-ed in Houston Chronicle by Sens. Rodney Ellis, Sylvia Garcia, and John Whitmire, 8.15.2013

Dallas Morning News: Texas Needs a One-Two Punch Against Payday Lending, 12.16.2015Feds Turn up the Pressure on Payday Lenders, 7.20.2014; Why Texas needs to get serious about payday lending abuses, 5.22.2014; Cities are picking up the fight against payday lenders, 4.10.2014;  Cities need to stand up to payday lenders, 1.10.2014; State officials need to join cities’ fight against payday lenders, 11.17.2013; Next steps to developing payday lending solutions, 6.16.2013; Put Wal-Mart in the game against payday lenders, 6.12.2013; Carona needs to recraft Texas payday lending bill, 3.29.2013; Three Things Austin Can Do to Help Southern Dallas, 3.25.2013; Legislative Goals for Southern Dallas, 2.8.2013; Local and state officials must act now to fix payday lending, 4.28.2011 

Our communities aren’t equipped to rein in payday lenders, Op-ed in Dallas Morning News by Norman Roberts, 2.28.2013

Military Families Deserve Payday Loan ReformOp-ed by Retired General Sanchez, 9.10.2012.

Star-Telegram: It’s Time to Reform the Predatory lending Industry, 11.18.2015; Texas Payday Lending Needs More Regulation, 1.23.2014; Restraints on Texas payday loans are worth another try, 5.9.2013; Payday loan reform slows, campaign cash flows, 4.2.2013

San Antonio Express-News: Rule Change offers Needed Payday Relief, 8.4.2016, Payday Rules Merit Tough Stance, 6.3.2014, Consumers Merely Collateral Damage, 1.16.2014; Time for payday lenders to pay up, 11.25.2013; Payday Lenders Remain Creative, 9.18.2013; Dire need for payday lending regulation, 6.21.2013; Consumers given short shrift on bill, 5.9.2013; Deep Pockets Sway Payday Reform, 4.10.2013; Consumers Need True Payday Loan Reform, 3.25.2013; Tighten Payday Loan Regulations, 2.22.2013; Report Shows Need for Loan Regulations, 7.30.2012; Payday Loan Way Overdue in Texas, 1.22.2011.

Texas Catholic: Payday Loans Ordinance Supported, column endorsement by Archbishop Gustavo Garcia-Siller, 8.14.2012

El Paso Times:El Paso City Council should affirm payday loan rules, 1.5.2014; Payday Lenders: Legislature Offers Insufficient Reform,3.22.2013; Editorial: Money Lenders – Keep Payback Rates in Check,  1.4.2013

Beaumont Enterprise: 
Editorial: Pays Loans Demands Legislature’s Action,  12.31.2012  

Austin American-Statesman:  Ugly Babies need love, too, 4.24.13; Tighter restrictions on payday lenders needed, 2.6.2013;Laws coralling short term lenders are a warning shot, 1.6.2012; Austin Should Act Now to Limit Predatory Lending, 4.21.2012

Short-term loans buy plenty of heartache, Op-ed by Don Baylor of CPPP, 5.5.2013

Amarillo Globe: Payday Loans are Predatory, 4.18.2013; Payday Loans Need Oversight, 2.8.2011

NBC News: ‘Like a Drug’: Payday loan users hooked on quickie-cash cycle, 5.11.2013

Slate: To Improve Payday Lending, Let Wal-Mart in on the Banking Game, 6.11.2013

New York Times: Cracking Down on Predatory Lending, 4.28.2013

Pew Charitable Trusts: Meaningful Payday Loan Reform is Within Reach, 7.21.2015

American Banker: Veterans Stuck in Debt Traps Need More than Lip Service, 11.11.2015

Texas Observer: Jumping the Loan Sharks, 11.06.2015

San Angelo Standard-Times: Three-Pronged Solution Can Combat Evil of Exploitative Loans, 07.06.2016.

Midland Reporter-Telegram: Bishop: People trapped under weight of high-interest loans, 07.07.2016.

TFLA Release:  Member of Congress File Bill to Protect Loan Sharks, 12.04.2017