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Contact Your City Leaders


Help advocate to bring the unified ordinance to your city.


With no action at the state level, 46 cities have taken the lead to establish a baseline of fair market practices for payday and auto title loans. Contact us if you would like more information or help to build a local campaign.



Main Components of the Ordinance

  • Payday and auto title stores operating as credit access businesses (the state licensing designation for these businesses) must register with the city.

  • Payday loans including all charges are limited to 20% of the borrower’s gross monthly income. Auto title loans including all charges are limited to the lesser of 3% of the borrower’s gross annual income or 70% of the vehicle value.

  • Loans cannot have more than 4 installments or 3 rollovers or renewals.

  • The proceeds from each installment or renewal must reduce the loan principal by 25%.

  • A rollover or renewal is defined as an extension of consumer credit made within seven days of the previous extension of credit.

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