RICHMOND, Va. --- New national limits proposed for payday and car-title lending are winning praise from lower-income Virginians and their advocates.

The Consumer Financial Protection Bureau has issued the new rules after years of discussion. One rule would require many lenders to make sure borrowers can pay the loan back before making it.

Del McWhorter, who chairs Virginia Organizing, said loans with interest rates as high as 600 percent are designed to keep borrowers paying for years on what initially were small loan amounts. She said many payday lenders take their fees and interest payments off the top.

"Those are loan-shark rates," she said. "Right now, they can simply take the money, regardless of whether that leaves the borrower anything to pay rent or buy medicine or food."

The industry insists it is serving people who would not otherwise have access to credit. The CFPB now is taking public comment on the regulations. According to Virginia Organizing, the average payday or car-title loan is less than $400 and goes to a borrower who makes less than $30,000 a year.

The group said many borrowers are unable to pay off the initial debt and have to roll it over into another loan, which can end up costing thousands of dollars over time. Debra Grant of Virginia Beach, a board member of Virginia Organizing, said she and members of her family have been stuck in that situation.

"It was good in the beginning," she said, "but then we got trapped into that cycle, so we had to do what we had to do."

A big part of the problem is that some borrowers don't have access to conventional bank loans. Grant said the one bank she could get to easily turned her down -- and, in her neighborhood, she doesn't have grocery stores that have branch banks or ATMs. However, there are plenty of high-interest lenders.

"Probably about half a mile, we can count at least six to seven payday loans, car title loans, pawn shops," she said, "and there's not a viable grocery store that you can go to."

More information is online at virginia-organizing.org. The proposed CFPB rules are online at files.consumerfinance.gov, and an analysis of them is at stopthedebttrap.org.


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A piece of legislation is headed to Gov. Joe Lombardo's desk which would allow medical aid in dying in Nevada.

Last week, Senate Bill 239 made its way out of the state assembly on a 23-19 vote, which could give terminally ill adults the option to request a medical prescription for a peaceful death in the Silver State.

Sara Manns, Nevada campaign director for the Compassion & Choices Action Network, said she is thankful to Sen. Edgar Flores, D-Las Vegas, "for shepherding it through" what she called a "challenging legislative obstacle course."

Manns added the support for the law is "overwhelming," and according to a new poll by the group, 82% of Nevadans support medical-aid-in-dying legislation.

"Regardless of political affiliation, regardless of religion, regardless of rural, urban," Manns outlined. "This is something where once people know what it is, they would want to have it available to them. Would they all want to do it? Of course not."

Manns emphasized it has taken the Nevada End of Life Options Act eight years since its initial introduction in 2015 to get to this point. She noted her group, like many, is hopeful the governor will sign the bill. She added once the bill reaches his desk, he will have 10 days to sign it.

Lynda Brooks-Bracey, 57, a Las Vegas mother of four with terminal metastatic pancreatic cancer, said she was "excited" and feeling "anticipatory" when she found the bill had made it past the second house.

Brooks-Bracey learned she was terminally ill in February 2021. During her last months of life, she has made it her mission to be an advocate for the measure. Brooks-Bracey stressed she and her family feel hopeful Lombardo will approach the bill in a neutral manner and pay attention to what Nevadans want.

"It has taken time to get the right bill, at the right time, that's clean, in front of this new governor here in Nevada that we have elected," Brooks-Bracey recalled. "And that he is neutral, that he is considering it, that he's looking at it. I think all things have come together in an appropriate time frame that Nevadans want it. They're ready for it."

Eleven jurisdictions have authorized medical aid in dying including 10 states and the District of Columbia. Compassion & Choices said no governor has ever vetoed a medical-aid-in-dying bill in any of the six states passing laws via legislative action.

The rise of medical cannabis dispensaries in Georgia is highlighting the need for reform and equitable access.

One of the state's first dispensaries opened in April, offering easier access to low THC medical cannabis oils for some patients.

Valeria Valdepeña, executive director of the advocacy group Peachtree NORML, stressed there are still questions about cannabis equity and accessibility in the program, among other concerns.

"Reforming laws in general will have a wide effect on a lot of different aspects of people's lives," Valdepeña pointed out. "There's overcrowding in our prison system, there's people dying there for drug charges there's people that have felony records that impacts housing, school loans and keeps them in this poverty-stricken cycle."

Currently, first-offense possession for an ounce or less of cannabis carries a maximum penalty of up to one year in prison, and more than 40,000 Georgians are arrested every year for marijuana possession.

Apart from laws reforming marijuana arrests, Valdepeña highlighted the challenge faced by rural residents in accessing necessary resources due to the locations of existing dispensaries.

"I think we are going to need more dispensaries," Valdepeña asserted. "We are going to need delivery obviously because if you live out in rural areas it's going to be hard to come into Metro Atlanta to pick up your medicine, you can't get to the dispensary if they are a far enough distance. So I think from an accessible standpoint -- from a practical standpoint -- those are things that are going to need to be addressed."

Since 2015, the number of patients in the Georgia Department of Public Health's Low-THC Oil Patient Registry has surged more than 50%, from 13,000 to more than 27,000.


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Over the past decade, Minnesota has seen a 38% increase in residents who identify as Latino or Hispanic. Amid a tight labor market, a new report suggests they could play a big role in bolstering the region's workforce.

This spring, the state Department of Economic and Employment Development issued findings that lay out opportunities and challenges for this population when it comes to economic well-being.

For example, Latinos have the highest regional labor force participation rate of any race or origin group - but there are disparities, such as household income.

Henry Jiménez - board member for Comunidades Organizando el Poder y la Acción Latina (COPAL-MN), which is a member-based organization leading social change - suggested employers improve their hiring efforts for well-paying jobs.

"I can tell you right now I hate hearing when folks say, 'Oh, we're having a hard time finding talent,'" said Jiménez. "I can tell you that there's a lot of talent here in Minnesota, and again there's a disconnect with connecting the current pool of qualified candidates."

He encouraged businesses to do more outreach through media outlets that serve Spanish-speaking audiences.

The report says in 2021, 14% of the state's Hispanic or Latino population had incomes below the poverty level, compared with just 7% of white residents.

Jiménez said he also hopes Latino entrepreneurs take note of the population surge and seek out ways to expand their reach.

"There's clearly a need for more produce, products and services by Latinos for Latinos," said Jiménez.

But Jiménez, who also is president of Minnesota's Latino Economic Development Center, noted that access to business loans is a barrier for Latinos.

Meanwhile, manufacturing is the biggest job sector for the state's Hispanic or Latino population. But within the past decade, there's been a more than 300% increase in these individuals being hired for health-care and social-assistance jobs.