{"id":21562,"date":"2025-02-27T15:46:46","date_gmt":"2025-02-27T20:46:46","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/?p=21562"},"modified":"2025-02-27T15:46:48","modified_gmt":"2025-02-27T20:46:48","slug":"merkley-bonamici-jayapal-re-introduce-legislation-to-protect-consumers-from-predatory-payday-lending-practices","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-bonamici-jayapal-re-introduce-legislation-to-protect-consumers-from-predatory-payday-lending-practices\/","title":{"rendered":"Merkley, Bonamici, Jayapal Re-Introduce Legislation to Protect Consumers from Predatory Payday Lending Practices"},"content":{"rendered":"<p>Washington, D.C. \u2013 Oregon\u2019s U.S. Senator Jeff Merkley teamed up with U.S. Representatives Suzanne Bonamici (D-OR-01) and Pramila Jayapal (D-WA-07) to introduce the <em>Stopping Abuse and Fraud in Electronic (SAFE) Lending Act<\/em>. El <em>SAFE Lending Act<\/em> safeguards consumers from deceptive and predatory practices that strip hard-earned wages from working families by cracking down on some of the worst abuses stemming from the payday lending industry, particularly in online payday lending.<\/p>\n\n\n\n<p>During the first Trump Administration, the Consumer Financial Protection Bureau (CFPB) reversed course on national rules protecting consumers from payday loan predators. Without strong CFPB protections at a national level, state laws protecting consumers are even more critical.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cPredatory payday lenders trap hardworking Americans in an inescapable vortex of debt,\u201d <strong>dijo el senador Merkley. <\/strong>\u201cBefore we kicked payday lenders out of Oregon, they preyed on families in my blue-collar neighborhood. As Trump and Musk scheme to undermine the agency that protects consumers from scammers, we\u2019re taking on the shady companies directly. It\u2019s time to break this cycle of endless debt for families across America.\u201d<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cNo one should be stuck in a cycle of debt during times of financial distress,\u201d <strong>dijo la congresista Bonamici.<\/strong> &quot;El <em>SAFE Lending Act<\/em> will put an end to the unscrupulous practices predatory payday lenders use to take advantage of people who are financially vulnerable.\u201d<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cPayday lenders take advantage of working families, struggling to pay medical bills or rent, by trapping them in a seemingly endless cycle of debt,\u201d <strong>dijo la congresista Jayapal.<\/strong> \u201cI\u2019m proud to lead this legislation with Senator Merkley and Congresswoman Bonamici that would protect consumers across the country by closing loopholes, increasing transparency, and putting an end to these predatory lending practices. Congress has a responsibly to protect hardworking people from bad actors, and that\u2019s exactly what we will accomplish with our <em>SAFE Lending Act<\/em>.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p>In addition to Merkley, Bonamici, and Jayapal, the <em>SAFE Lending Act <\/em>is co-sponsored by U.S. Senators Bernie Sanders (I-VT), Ron Wyden (D-OR), Chris Van Hollen (D-MD), Dick Durbin (D-IL), Richard Blumenthal (D-CT), Tina Smith (D-MN), Edward J. Markey (D-MA), Cory Booker (D-NJ), and Tammy Baldwin (D-WI) and U.S. Representative Jan Schakowsky (D-IL-09).<\/p>\n\n\n\n<p>El <em>SAFE Lending Act <\/em>is supported by Americans for Financial Reform, Oregon Consumer Justice, National Consumer Law Center (on behalf of its low-income clients), Consumer Federation of America, UnidosUS, Main Street Alliance, and National Association for Latino Community Asset Builders.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cMany individuals who take out online payday loans are already living paycheck to paycheck and may be one junk fee away from a never-ending debt trap,\u201d <strong>said Christine Chen Zinner, senior policy counsel at the Americans for Financial Reform.<\/strong> &quot;El <em>SAFE Lending Act<\/em> simply makes sure that these risky online payday loans are compliant with state law, transparent, and not laden with junk fees.\u201d<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>&#8220;Oregonians deserve a financial system that creates opportunities for them to succeed. Yet, loophole lenders use deceptive practices to work around our state laws and exploit consumers, including through unauthorized bank account withdrawals and overdraft fees on prepaid cards. The <em>SAFE Lending Act<\/em> is needed to enforce transparency and keep consumers in control of their money,&#8221; <strong>said Chris Coughlin, Policy Director for Oregon Consumer Justice<\/strong>. &#8220;The Act looks to the Consumer Financial Protection Bureau to provide strong federal lending regulation\u2014it is essential that the CFPB be unimpeded in its critical mission of protecting consumers from predatory lending practices that could otherwise go unregulated.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cMost people understand the costs of payday loans,\u201d<strong> said Adam Rust, director of financial services for the Consumer Federation of America,<\/strong> \u201cbut fewer may be aware of how abusive debt collection practices and data-harvesting online lead generators add to the problems. By preventing robo-debiting of accounts and outlawing lead generators that sell loan applications to the highest bidder, the <em>SAFE Lending Act <\/em>will throttle business tactics that strip wealth and expose private financial information.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p>Un resumen de una p\u00e1gina de la <em>SAFE Lending Act<\/em> can be found by clicking <a href=\"https:\/\/www.merkley.senate.gov\/wp-content\/uploads\/One-Pager-SAFE-Lending-Act-119th.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">aqu\u00ed<\/a>.<\/p>\n\n\n\n<p>Full text of the bill can be found by clicking <a href=\"https:\/\/www.merkley.senate.gov\/wp-content\/uploads\/SAFE-Lending-Act.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">aqu\u00ed<\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-center\">###<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, D.C. \u2013 Oregon\u2019s U.S. Senator Jeff Merkley teamed up with U.S. Representatives Suzanne Bonamici (D-OR-01) and Pramila Jayapal (D-WA-07) to introduce the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. The SAFE Lending Act safeguards consumers from deceptive and predatory practices that strip hard-earned wages from working families by cracking down on some [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":18847,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[131,44,129],"class_list":["post-21562","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases","tag-economy","tag-jobs-and-the-economy","tag-protecting-consumers"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley, Bonamici, Jayapal Re-Introduce Legislation to Protect Consumers from Predatory Payday Lending Practices - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-bonamici-jayapal-re-introduce-legislation-to-protect-consumers-from-predatory-payday-lending-practices\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley, Bonamici, Jayapal Re-Introduce Legislation to Protect Consumers from Predatory Payday Lending Practices - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, D.C. \u2013 Oregon\u2019s U.S. Senator Jeff Merkley teamed up with U.S. Representatives Suzanne Bonamici (D-OR-01) and Pramila Jayapal (D-WA-07) to introduce the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. 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