RIO GRANDE VALLEY, Texas – El Senado estatal está considerando la posibilidad de implementar una medida para restringir la práctica del "préstamo del día de paga". Texas es líder nacional en negocios dedicados a estos préstamos a corto plazo y sin garantías suficientes, que típicamente se ofrecen a prestatarios de bajos ingresos que tratan de aliviar su presión económica mientras les llega el siguiente salario. Los negociantes argumentan que los préstamos son riesgosos, y por ello exigen elevadas cuotas y tasas de interés. Los críticos las llaman "depredadoras" porque los deudores normalmente no se dan cuenta de que tienen otras opciones. Ron Rogers, presidente ejecutivo del South Texas Adult Resource and Training (Centro de Recursos y Entrenamiento para Adultos del Sur de Texas), también llamado “START”, brinda su consejo a los trabajadores de bajos ingresos en una de las regiones más pobres del país: el Valle Río Grande. Dice que debido a la economía actual, los préstamos del día de paga están más difundidos que nunca.

“Ves señales por todos lados: crédito fácil, crédito rápido, tenlo ya. Bueno, pues los más débiles entre nosotros son también los más suceptibles de caer en algo como eso. Es muy triste.”

Rogers preside el centro "START" en San Benito, donde comenta que sólo hay tres bancos y en cambio 15 prestamistas del día de paga. Agrega que están chupando hasta el más pequeño capital existente en las comunidades, como la del empobrecido Valle Río Grande. El Centro START orienta a los deudores potenciales hacia otras opciones, como las uniones de crédito y los anticipos de salario.

Rogers apoya la legislación que está pendiente, que pondría tope a las cuotas y el monto de los préstamos del día de paga, y además ofrecería opciones para amortizar la deuda. También quiere limitar las tasas de interés, las que dice que pueden llegar a subir hasta el 500 por ciento en el curso de un año. Más o menos un tercio de los estados regulan los préstamos del día de paga, pero como la industria ha dejado honda huella en Texas, Rogers teme que la iniciativa enfrente dificultades para ser elevada a rango de ley.

“Esta industria tiene gestores muy fuertes. Y muchos de los gestores están asociados con muchos senadores y representantes del estado. Son poderosos.”

Rogers expresa que los tejanos que busquen una alternativa a los préstamos del día de paga pueden comenzar por contactar al United Way, o llamar al 211 para recibir consejos sobre servicios de crédito.

La medida que fue aprobada por el Comité de Negocio y Comercio del Senado de Texas (SB 1862) restringiría los préstamos del día de paga al 35 por ciento del ingreso mensual del deudor, y pondría un tope de 15 por ciento a las cuotas. Su autora es la Senadora Wendy Davis, D–Fort Worth.


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Washington joins a handful of states to do away with mandatory meetings for employees on political or religious matters.

Sometimes known as captive audience meetings, the gatherings were seen as a way for employers to give their opinions on subjects like unionization, and held potential consequences for employees who didn't attend. Lawmakers passed a bill this session allowing workers to skip the meetings without repercussions.

Sen. Karen Keiser, D-Des Moines, a sponsor of the bill, said we live in a divided society where emotions run high on political topics.

"This bill simply protects employees to have a real choice on whether or not to attend a meeting called by their boss to be told about some political or religious issue," Keiser explained.

Keiser pointed out the legislation is nonpartisan. For instance, employers could not force employees to attend anti-union meetings, but also could not force them to attend a meeting about the importance of reproductive rights. The bill takes effect June 6.

Keiser noted the bill likely got across the finish line this session because of the uptick in union organizing and support for labor. She added there are widely known stories of Starbucks managers, for example, requiring employees to attend anti-union meetings while the employees organized the workplace.

"Employees have been forced to attend meetings to listen to the boss or the employer basically tell them why they shouldn't join a union," Keiser observed.

Washington is the sixth state to pass a law prohibiting attendance at captive audience meetings. Connecticut, Maine, Minnesota and New York have passed similar laws in recent years. Oregon passed a law allowing workers to skip such meetings without repercussions in 2010.


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A bill vetoed by Virginia Gov. Glenn Youngkin would have raised the state's minimum wage to $15 an hour starting in 2026.

While the bill moved out of committee and the General Assembly, it did so on party-line votes. Youngkin opposed the bill, saying it could hurt small businesses and some restaurants.

Jay Speer, executive director of the Virginia Poverty Law Center, said it was disappointing to see the measure vetoed.

"Wages are way too low. People cannot afford housing and food and everything else," Speer pointed out. "It's a disappointment that they can't raise the minimum wage so people can survive. I mean, it's long overdue."

Passing the bill was part of a 2020 minimum-wage increase requiring a reauthorization to bring it up to $15. A state study found a person has to make at least $14.55 an hour to afford the cheapest place to live while only spending one-third of his or her income on housing. The current minimum wage in Virginia is $12 an hour, but around 500,000 Virginians make $12 or less.

Youngkin also vetoed a bill ending exemptions from Virginia's minimum-wage requirements for farmworkers or temporary foreign workers.

Kim Bobo, executive director of the Virginia Interfaith Center on Public Policy, said it was not as impactful since most farmworkers make more than the minimum wage. But she said the exemption remains for another reason.

"The only reason farmworkers continue to be exempted in Virginia is racism," Bobo contended. "That's why they're exempted. And, we should just change that, like there's no reason not to. It really does not affect that many workers in Virginia."

Youngkin and other legislators with a farming background said the bill would hinder farmers' ability to turn a profit.

New York restaurant workers need to know their rights to better navigate their workplaces. A new report finds high rates of what it calls "occupational segregation" in the restaurant industry, which can relegate some people to lower-paying jobs.

Workers' rights organizations are counteracting this with training programs. Alima Iskakova, a server for Exquisite Staffing, a catering company, said the CHOW training from Restaurant Opportunities Centers United is helping her.

"Since I completed this training course, I am more confident when it comes to job interviews," she said. "I am more confident - like, when it comes to these types of interviews, plus with all my experience and the knowledge that I got from ROC United, I have a higher income."

She was also trained in safe food handling, OSHA certification and other need-to-know information about the restaurant industry. These courses are available in several cities beyond New York.

The report also notes that, unlike training offered by organizations such as the National Restaurant Association, these courses prioritize developing restaurant workers' power to support individual career development.

The report says racism and sexism abound in the restaurant industry. White men make up a majority of higher-earning positions, such as bartenders.

Although these training courses are helpful, Iskakova noteed that not knowing English can be a disadvantage. She said other cultural differences can make this work challenging.

"In the hospitality industry, even like when people come here as an immigrant, they don't know the rules, they don't know the laws," she said. "And ROC United, they help us to do the cover letter, resume. There are certain things - like, there is a difference."

Another challenge she encountered was the difference between Celsius and Fahrenheit.

Iskakova said her work has been interesting, but she's got ambitions outside of food service. Along with photography, she's a communications major at CUNY.


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