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 survey shows there's been an increase in the number of police officers on the streets since the COVID-19 exodus, but some Americans are still behaving badly when they think no one's looking.

A survey by the Police Executive Research Forum shows more sworn officers were hired in 2023 than any of the previous four years, and fewer officers overall resigned or retired.

Lance LoRusso, founder of the Blue Line Lawyer Institute, said bad behavior is still evident in communities where not enough officers were available to patrol parks or other public spaces.

"There is a segment of the population that if they don't believe there's consequences for their actions, they will not act in a lawful manner," LoRusso asserted. "They don't, because there's nobody making sure that they're taking care of their obligations and they're treating each other in a civil manner."

More than 200 law enforcement agencies responded to the survey. It showed that while small and medium departments had more sworn officers than they did in January 2020, large departments are still more than 5% below earlier staffing levels.

In March, New Mexico's Bernalillo County Sheriff's Department announced a crackdown on drivers traveling at excessive speeds, which LoRusso said became a problem during the pandemic coast to coast and has not subsided in some areas. He says citizens should not hesitate to report such incidents.

"People racing cars is dangerous. It's completely anti-social, unlawful, dangerous behavior that shows a complete disrespect for the other people in your community. And yet, it's tolerated," he said.

Car break-ins also increased during the pandemic, which LoRusso said might feel like an isolated incident, but is usually indicative of a larger problem.

Missouri residents are gaining new insights into the powerful role of food in health care as experts and organizations advocate for a shift toward food-as-medicine initiatives.

Kelsey Gardiner, assistant professor of nursing and health studies at the University of Missouri-Kansas City, emphasized the critical link between access to healthy food and improved health outcomes. She noted individuals facing food insecurity often experience higher rates of chronic diseases, highlighting the urgent need for systemic changes to enhance food access.

"There are things we can do and there are certain shifts nationally that are happening, whether that be through policy or through infrastructure changes," Gardiner pointed out. "We can be doing more in the state of Missouri in order to help increase access to healthy food that can directly tie into better health outcomes."

Gardiner underscored the potential of food-as-medicine interventions in preventing chronic conditions and reducing health care costs. She said recent studies show such interventions can lead to $13.6 billion over one year in cost savings and several improved health outcomes, making them a valuable addition to health care strategies.

Kael Martin, people impact strategist for the Health Forward Foundation, said focusing on communities affected by structural racism, socioeconomic challenges and limited health care access is paramount. Food as medicine is seen as a strategic approach to promote health equity, particularly in areas where systemic barriers hinder optimal health.

"We know that eating healthy can prevent chronic disease, but it can be a treatment option as well," Martin stressed. "To have that connection within our health care system, to really integrate these interventions, can be really impactful for many patients."

While progress is underway nationally and in other states such as Massachusetts, California and North Carolina, Missouri is still developing its approach to integrate food as medicine into health care systems and policies. Efforts to push for legislation supporting these initiatives are in progress, with some federal legislation around medically tailored meals garnering support.

As many Wyomingites await their 2023 federal income tax refunds, a new National Priorities Project report breaks down how the money they won't get back is being spent.

Co-author Lindsay Koshgarian, program director for the National Priorities Project, said this year's Tax Receipt shows that - while many school districts in Wyoming and across the U.S. are facing major budget cuts - the average taxpayer is contributing thousands of dollars to military contractors, including Boeing, Lockheed Martin, and Raytheon.

"So whereas the average Wyoming taxpayer was giving almost $2,300 to corporate pentagon contractors," said Koshgarian, "they were giving only $455 for public education in our K-12 schools."

The average American household paid over $5,000 for militarism and support systems, but invested just $110 in the Child Tax Credit - which cut child poverty in half during pandemic era changes.

The Pentagon has failed to account for money spent in audits for the past six years. But its defenders argue tax dollars create jobs and maintain global security in the face of competitors, including China.

Koshgarian said corporate contractors can create jobs, especially in key Congressional districts.

She pointed to Brown University research showing that $1 billion in military spending adds roughly 11,000 jobs.

By comparison, $1 billion would add nearly 27,000 education, and 17,000 healthcare jobs.

"But if we put that same money into other things like education or infrastructure or healthcare," said Koshgarian, "we could actually create more good jobs with the same amount of money."

The U.S. Department of Defense has known about the existential threat of climate change for decades, and wildfires now cost upward of $394 billion in damages each year.

But the average taxpayer invested just $14 in wildfire management.

Koshgarian said she believes concerns about protecting international security, which largely serve corporate interests, are overblown.

"The U.S. is already the top military spender in the world by far," said Koshgarian. "We spend more than the next 10 militaries combined. We have the most capable military by far in the world, and no one disputes that."




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