INDIANAPOLIS -- A new coalition is forming to push back against predatory lending and urge state lawmakers to take action to protect consumers.

Indiana has 286 payday-loan storefronts, where people go to take out small loans with high interest rates, and borrowers are often low-income residents who cannot pay the loans back and get caught in a debt cycle.

Natalie James, one of the leaders of the Hoosiers for Responsible Lending coalition, said predatory lending has been an issue brewing for years, and she noted the pandemic has made many folks more financially insecure.

"We aim to send a message to our federal and state lawmakers that a pandemic is no time to allow lenders to take advantage of Hoosiers' financial distress," James asserted.

Among payday borrowers, 82% take out another loan within 30 days of paying off their previous one. James noted some states have reasonable caps on the annual percentage rate (APR), the overall cost of financing these loans, including fees, but Indiana is not one of them.

Andy Nielsen, another leader with the coalition, said they support legislation to cap the APR for payday loans at 36%. In Indiana, the current cap is 391%.

Nielsen explained, "36% APR has been a long-held rate that preserves a borrower's ability to repay, and allows lenders to still earn a profit."

Nielsen added payday loans drain $60 million a year in fees from Indiana consumers, and with a 36% APR cap, they could save millions of dollars.

Sixteen states plus D.C. have already implemented similar caps, and a study in North Carolina shows the absence of payday lenders has not impacted credit availability for low- and moderate-income families there.

BISMARCK, N.D. - A portion of American Rescue Plan funding sent to North Dakota has yet to be divvied up. Groups that want to improve the child-care system say the state shouldn't miss an opportunity to boost access and affordability.

Some of the funds North Dakota received from the federal pandemic-relief package in March already have been spent or set aside, but there's still room to distribute roughly $700 million of the aid. April Fairfield, a member of the North Dakota Children's Caucus. said dedicating substantial funding for child care should be a priority.

"Many areas, many communities, rural and urban in North Dakota, lack accessible and affordable child care," she said. "So, we are looking at the American Rescue Plan as a way to fortify that and to really try and get North Dakotans back to work."

She said more aid would help with worker shortage issues.

Next week, legislative committees will hold more meetings on what to do with the remaining funds. Gov. Doug Burgum's priorities include matching grants for employers who offer a child-care benefit, but Prairie Action ND has said his plan commits only 2% of funding to address the crisis and looks to the Legislature to change that.

Xanna Burg, the Kids Count coordinator for North Dakota, said the statewide average child-care cost for an infant is 13% of a family's budget. She said she thinks that's a good place to start in committing federal funds.

"We're really calling on the state to think about investing that same amount - 13%, or $130 million - towards child care, to really address better access for families, making child care more affordable for families, and also helping child-care businesses pay their workers more than poverty-level wages."

She said failing to boost child-care workers' pay could force more providers to close, creating economic harm to the state. Earlier this year, a Kids Count report said 14 North Dakota counties meet less than 60% of the child-care demand for working families. Votes are expected during next week's committee meetings to advance proposals for the Legislature to consider in special session.

JEFFERSON CITY, Mo. - Gov. Mike Parson is facing calls to get the Missouri Cybersecurity Commission off the ground after it was created by the Legislature earlier this year.

This month, a St. Louis Post-Dispatch reporter exposed a major flaw in the Department of Elementary and Secondary Education's website that, before it was resolved, had put hundreds of thousands of educators' personal information at risk.

State Rep. Ashley Aune, D-Kansas City, said Missouri needs to beef up its cybersecurity. She noted that the new commission is meant to identify vulnerabilities and recommend solutions, but the governor has yet to appoint any commissioners.

"What I believe needs to happen in Missouri to allow for more transparency into the state of our cybersecurity program," she said, "is for this commission to be filled, and for them to get to work and start advising the governor on what needs to be done."

October is Cybersecurity Awareness Month, and experts recommend multi-factor verification for all accounts and devices, creating unique passwords and only using sites that begin with "https" when online shopping or banking.

After learning of the problem, the Post-Dispatch alerted the Department of Education, which promptly took its pages down. When the story broke, Parson announced a criminal investigation, saying the reporter was trying to expose state information. But lawmakers, including Aune and members of the governor's Republican Party, have defended the reporting, saying it was important that the problem was identified and solved.

"Over 100,000 Social Security numbers were potentially exposed, and that's just a drop in the bucket," she said. "So as a state, cybersecurity absolutely has to be a priority, in terms of where we spend our money and where we spend our efforts."

She added that insecure data not only threatens individual Missourians but also can hurt taxpayers' pockets since preventing breaches is less expensive and more efficient than resolving cyber threats after they happen.

COLUMBUS, Ohio -- A new report found a U.S. Senate bill would expand eligibility for unemployment benefits to nearly 600,000 Ohio workers.

The Unemployment Insurance Improvement Act, co-sponsored by Sen. Sherrod Brown, D-Ohio, would lower the threshold for how much workers must be paid in order to qualify for benefits if they lose their job.

Michael Shields, researcher for Policy Matters Ohio, explained Ohio has one of the strictest earnings tests among states: To qualify, a worker must be paid at least $280 a week and work at least 20 weeks of the year.

"A lot of folks end up getting left out of coverage, and that actually does include a lot of people who are very highly attached to the workforce," Shields outlined. "The typical person who would be newly covered by this measure worked 37 weeks in 2019 and worked a median of 26 weeks per year."

To qualify for unemployment under the bill, workers would need to be paid at least $1,500 in a year and $1,000 in at least one quarter, compared with a minimum in Ohio of $5,600 in a year.

The bill's sponsors are pushing for it to be included as an amendment in the Build Back Better social spending package currently being debated.

The measure would extend coverage to four in five Ohio workers currently not eligible for unemployment insurance.

Shields noted it would also make coverage more equitable in Ohio by reducing current disparities.

"For instance, women have to work on average two and a half more hours than men in order to qualify for benefits," Shields observed. "And Black Ohio workers have to work four hours more than their white counterparts in order to be covered by unemployment benefits if they were to be laid off."

The report also found it would expand unemployment qualifications for those in some of the industries hit hardest by the pandemic, including accommodations and food services. Currently, about 44% of those workers are excluded from benefits, compared with 15% of workers overall.

Reporting by Ohio News Connection in association with Media in the Public Interest and funded in part by the George Gund Foundation.