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 New Mexico resident will attend President Joe Biden's State of the Union address tonight as legislation is pending to expand the Radiation Exposure Compensation Act.

The measure was passed in 1990, with money going to residents of the Southwest who were harmed, either from uranium mining or atomic tests in 1945. The original legislation included "downwinders" in Arizona, Utah and Nevada. But New Mexico was left out, despite the state being home to the world's first atomic bomb testing and explosion.

Tina Cordova, co-founder of the Tularosa Basin Downwinders Consortium, has made it her life's work to get New Mexico families compensated.

"I've been working for 19 years to bring attention to the negative health effects the people of New Mexico suffered," Cordova explained. "The Trinity bomb was detonated in the middle of our state and adjacent to a bunch of towns where 13,000 people lived in a 50-mile radius."

Cordova was invited to the annual Presidential address by Sen. Ben Ray Luján, D-N.M. In the coming days, the Senate is scheduled to vote on legislation to reauthorize the act, now scheduled to end in June.

Cordova pointed out the more than 30-year-old compensation program was an admission of guilt on the part of the government but left out many of those harmed. She knows families who have lost relatives to cancer, some within 10 years of the nuclear bomb testing.

"I just hope that people who know I'm present, realize that we will never give up the fight," Cordova asserted. "We will work very hard to get the RECA amendments passed this year, but if by some chance that doesn't happen, we will continue to fight this fight for justice as long as it takes."

This Sunday, the Hollywood blockbuster, Oppenheimer, about the creation of the atomic bomb, is a favorite to win best picture at the 2024 Academy Awards. The film did not address effects to those downwind of the bombing site.


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A new report finds Connecticut's recently released prison population is facing reentry challenges.

The State of Reentry report found resources and services are lacking for formerly incarcerated people. Between 2022 and 2023, 14% of the population said they would be homeless upon release.

It is just the tip of the iceberg as many of the state's Reentry Welcome Centers reported most of their clients were housing unstable.

Scott Wilderman, president and CEO of Career Resources, said it can be attributed to numerous factors including the stigma of being an ex-offender.

"We have to do a better job of educating and working with landlords and try to encourage them to give individuals a second chance," Wilderman contended. "There's no doubt about that. The sad part is, with returning citizens or ex-offenders, there's really no such thing as an ex-offender since everybody always sees the offense."

He thinks Connecticut should focus more on justice reinvestment. Other criminal justice advocates have called for using funds saved by closing prisons to invest in reentry centers. The centers are not funded by the state and have been subsisting on American Rescue Plan funds. When the money expires at the end of the year, it is uncertain how they will be able to help people with life after prison.

Given it is the third year of the report, Wilderman acknowledged there have not been many changes, but he found it surprising, noting there has been plenty of time to make improvements, specifically in areas like education.

"We know education is the great equalizer and having a high school diploma is essential," Wilderman asserted. "It just opens a lot more doors for an individual as it's often a requirement for employment, or in some cases going after further education or job training."

The report noted 66% of incarcerated people with sentences ending in six months said they did not have a high school diploma. Enrollment is down in programs for incarcerated people to complete their degrees. One reason for it is Connecticut's ongoing teacher shortage.


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After a five-year court battle, New Jersey's medical aid-in-dying law has been affirmed by the state's Supreme Court, which rejected an attempt to overturn the statute.

Signed by the governor in 2019, the law was soon challenged by a physician based on religious, personal and constitutional grounds. It allows mentally capable, terminally ill adults with six months or less to live to get a prescription they can use to end their lives.

Dr. Paul Bryman, a hospice and palliative care physician, is an advocate for medical aid in dying for people who feel their suffering is intolerable.

"I think it's important that that option is available for people who choose to avail themselves of it. It's not for everyone and it's someone's choice whether they want to use that. No one's forced to do it," he explained.

Bryman practices geriatric and internal medicine and believes there are adequate legal safeguards to make sure patients are protected. The law was briefly suspended in August 2019, but reinstated 13 days later as court proceedings continued.

The nonprofit group Compassion & Choices expressed support for the decision as well as expanded and improved end-of-life care options.

Alan Howard, Compassion & Choices attorney, urged the justices to uphold a lower court's ruling.

"We are grateful that the Supreme Court recognized that there are terminally ill New Jersey residents who are counting on this end-of-life care option to bring them peace of mind during this difficult time," said Howard. "Dying people should have this compassionate option to peacefully end their suffering if it becomes unbearable."

Bryman added a total of 186 terminally ill New Jerseyans have used the medical aid-in-dying law and believes the court made the right decision.

"I'm glad that it's finally over and that this law's available for people in New Jersey who have the right to their own health-care decisions," he said.

In addition to New Jersey, Washington, D.C., and nine other states, which represent 22% of all Americans, have authorized medical aid in dying.