PORTLAND, Ore. -- While the Consumer Financial Protection Bureau mulls over national rule changes to short-term lending, Oregon families have already been hurt and could even go hungry trying to pay back loans.
Oregon offers a little extra protection. It is among the 18 states with some regulations on payday lending, including a 36 percent interest rate cap annually.
But families still fall into the lending "debt trap" and especially are at risk while spending during the holiday season. Oregon Attorney General Ellen Rosenblum said payday loans put people in difficult positions.
"If a debtor is faced with unaffordable payments on their payday-type loans, then they're having to choose between defaulting, between reborrowing, and between skipping their other financial obligations, like their rent or their basic living expenses like food and medical care,” Rosenbaum said.
The proposed CFPB rule changes to payday and car title lending include a requirement that lenders establish a consumer's ability to repay and limiting consumers to one loan at a time. Republican members of Congress have criticized the proposed change as a set of onerous regulations on the industry.
Jeff Kleen, a public policy advocate at Oregon Food Bank, said he spoke to a woman about how she got out from under her short-term lending debt.
"The way that she finally climbed out of that debt trap was to skimp on groceries,” Kleen said. "And this is a single mom with three daughters and all of them had to cut back on the amount of food that they were eating."
He said Oregonians spent $16 million dollars on fees for payday and car title loans last year, before interest payments on those loans even started.
Rosenblum encouraged Oregonians to think long and hard before taking out a short-term loan.
"Please make sure that you do have the ability to repay on the terms that you have committed to,” she cautioned, "because otherwise the collateral consequences - the closing of bank accounts, the seizure of cars and such - is going to unfortunately make for some very unhappy holidays."
New rules from the CFPB are expected to be announced in 2017.
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Colorado is working to boost the state's agricultural communities by getting more fresh, nutritious foods into school cafeterias - and a new online tool could help more school districts participate.
The effort is a key component of the Healthy School Meals for All initiative approved by voters in 2022.
Taylor Frederick - culinary programs manager with Nourish Colorado - said over the past couple of years, school meal operators have identified best practices that can be adopted by other school districts, including how to work with local farms and ranches.
"How you can find your local producer," said Frederick, "and even how to put out specific bids for specific local items, and how to work these sorts of things into your menus."
The new Colorado Local Food Program Guidebook, available online at 'guidebook.nourishcolorado.org,' offers tips and tools for launching and sustaining farm-to-school programs.
The guide also offers ways for parents and community members to engage with their local school district, to encourage them to opt into the voluntary program or make menu recommendations.
Frederick explained that the guide begins with a short quiz that helps direct users to the right resources.
For example, food producers who want to sell their produce to reliable kiddo customers can learn how school district cafeterias operate and purchase food.
"To better understand the school market channels," said Frederick, "the bid process, the price points that school districts are working with, their timing, and a little bit about their menus and products that they are looking for."
He said school meal operators can also get tips on how to transition from serving canned and processed foods to preparing meals with fresh ingredients through a series of training videos.
"Some different types of kitchen equipment that might be in the schools, we have training videos on those," said Frederick. "Some vegetable cookery techniques. Those were the big things that school districts and school meal authorities were really saying that they wanted."
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During National Nutrition Month, groups like Virginia Fresh Match are providing people with healthy fresh food options.
Since 2009, the coalition of farmer's markets and mobile food stores has been helping people on SNAP or EBT get access to healthier foods. Some groups have found almost 24% of the benefits are used for healthy foods, while more often they are spent on sugary snacks, premade foods, and meats.
Elizabeth Borst, director of advocacy for Virginia Fresh Match, said everyone should have the opportunity to access healthy foods.
"Just making sure that people both have access to high-quality food and that quality food is affordable to them," Borst explained. "Fresh fruits and vegetables can often be the last thing that people will choose when they are on a really limited budget, so we want to make sure that is accessible to people."
The Consumer Price Index showed food prices drastically increased between 2022 and 2023, but prices have slightly declined in 2024.
Food insecurity has been a long-standing issue for Virginians. Hunger Free America's 2023 Annual Hunger Survey found almost 774,000 people in Virginia are food insecure. Borst emphasized her group is focusing on its "food is medicine" work to ensure no one goes hungry.
While Virginia Fresh Match has been able to accomplish a lot during its multiyear history, there have been some challenges. Borst observed one long-term challenge has been funding sustainability. Like the rest of the world, the pandemic presented a significant hurdle for them, though it created some interesting changes.
"We just had a huge bump in our redemptions and usage of the program," Borst stressed. "That really didn't taper off even though there's been a 40% decrease in SNAP benefit allotments once the pandemic emergency benefits ended."
Emergency allotments provided all SNAP recipients with an additional $95 per month, affecting 470,000 families across the state.
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To reach more hungry families, one Texas nonprofit is setting up mini food markets in schools.
The Tarrant Area Food Bank in North Texas provides 60 million meals a year to families in 13 counties.
It's taking the food directly to school campuses in some lower-income neighborhoods, with what it calls "Ready-to-Learn-in-School Markets."
Food Bank President and CEO Julie Butner said the markets have changed the way they're helping the community.
"And the markets are very much like a retail experience," said Butner, "where the kiddos or the parents can go in and do shopping and get the foods that they want, that they know their families will enjoy."
The area served by the food bank has food insecurity rates that range from just over 10% in Denton County, to more than 17% in Hamilton County.
Butner said more food banks across the country are partnering with school districts to operate on school campuses. She said they hope to have 100 in-school markets by the end of the year.
The markets are established in areas that are deemed food deserts, meaning there isn't a grocery store within a one mile radius of the school - and at least half of the students qualify for free breakfast or lunch.
In addition to addressing the need for food, Butner said the markets also teach valuable skills to students.
"They're helping stock the shelves, helping family members select products, checking family members in that are receiving products," said Butner, "because you do need to qualify in order to enter the market."
According to the latest U.S. Department of Agriculture data, the number of households experiencing food insecurity rose from almost 34 million in 2021 to more than 44 million in 2022.
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