COLUMBUS, Ohio – Nearly 100 groups in Ohio are banding together and speaking out against what they say are loopholes in proposed payday lending regulations. The organizations, which advocate for low-income families and other vulnerable Ohioans, sent a letter to the head of the Consumer Financial Protection Bureau on Monday calling for the rules to be strengthened.

Marcus Roth, the director of communications and development the with the Coalition on Homelessness and Housing in Ohio, said these groups see firsthand the destruction predatory lending inflicts.

"A lot of people that come to food banks, for example, are driven to seek assistance and get help from food banks because they don't have enough money left over to afford food after paying these outrageous fees from payday lenders," he explained.

In Ohio, payday lenders can charge nearly 600 percent interest. Roth said weaknesses in the draft rules could allow borrowers to skirt the requirement for lenders to assess a borrower's ability to repay. He also noted the 30-day waiting period between loans is not sufficient to prevent a cycle of borrowing and refinancing. The draft rules are open for public comment through Friday, October 7.

According to data from the Center for Responsible Lending, payday lenders collected about a half million dollars from Ohioans in 2015, more than double the fees collected in 2008 when Ohio voters approved a law regulating the industry. Roth believes that's why water-tight federal regulations are needed.

"Since we've seen how they're able to really squirm around the regulations here in Ohio we know that if the CFPB doesn't do a really good job with these rules then they're likely not going to be real effective in Ohio," he said.

The industry contends it provides a valuable service to consumers unable to get credit or who need financial help in an emergency. And opponents argue the proposed rules could put some lenders out of business.


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Texas is the number one exporting state in the nation - and although tariffs with Mexico and Canada have been delayed, Texans are still uneasy about their financial future. President Donald Trump has levied a 145% tariff on products from China, with all other countries subject to a 10% tariff.

Ray Perryman, economics professor at the International Institute for Advanced Studies says as the trade wars continue, Texans can expect to pay higher prices for everything.

"When steel and aluminum cost more and lumber costs more, that means houses cost more. There's a lot of cars that are made in Texas, where various pieces of it cross the border five or six times. So, when you start levying a 25% tariff every time something crosses the border, that's when you start adding thousands of dollars to the price of a car," he said.

Mexico is the top import-export market for the Lone Star State. And Texas companies imported almost $160 billion in goods last year.

A report by the Perryman Group estimates if the tariffs with China remain in place, and tariffs with Mexico and Canada are unfrozen, Texas would lose more than $50 billion a year and more than 400,000 jobs. Perryman adds the uncertainty of the markets is crippling.

"One of the worst things for an economy is uncertainty, because if you're not sure what's going to happen, you don't know what to do. And most people respond to that by not doing anything. You don't want to bring out a new product, you don't want to build a new plant, you don't want to hire more people, you don't want to make a big purchase if you're uncertain about the future," he continued.

Perryman predicts if tariffs with Mexico and Canada go into effect, all the tariffs combined would cost each American household an additional $1,500 a year.


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New residents of West Virginia can now use professional and occupational licenses issued in other states. Gov. Patrick Morrisey, who signed the bill into law last week, says the change will help boost the state's workforce. Senate Bill 458 allows professionals to practice statewide without taking local exams to maintain their license or certification.

Dr. Andy Tanner, with Vandalia Health, said the law will boost the medical workforce and help people get the care they need.

"And a lot of times, what happens is we recruit physicians, they agree to come, and then there's a delay in their license, and most of these folks are coming from out of state," he explained.

Nearly 1 in 5 Americans need a license to work. According to the Institute for Justice, in a dozen states, boards will only grant a license if the home state requires "substantially equivalent" education, experience, or training to receive a license. West Virginia joins 8 other states which recognize a home state license if it has a "similar scope of practice."

Morrisey said universal licensing will help the state's economy grow.

"When other states passed universal licensing, it helped increase their workforce by thousands. This is going to ensure that nurses, doctors, contractors, Realtors, skilled workers, you can move to West Virginia, and you can get to work right away," he asserted.

States with universal licensing laws have seen increased migration and job creation, according to the America First Policy Institute.

Utah labor unions are working to repeal the state's recent ban on collective bargaining for public employees - and they're on a tight timeline. The coalition known as "Protect Utah Workers" is working to gather 141,000 signatures by tomorrow, to get the issue on the 2026 ballot. Backers of the law that was House Bill 267 argue it will make public employers' wages and benefits more competitive.

Donavan Minutes, a Salt Lake City firefighter, said collective bargaining is about more than higher wages, and added that it is also about safety, especially in his line of work.

"We're able to have 'four-handed' staffing in Salt Lake City because our union fought and negotiated for that standard - that way, when there is an emergency, you have four highly trained firefighters that are prepared to show up," he explained. "And in contrast, you have other departments, they don't have the same collective bargaining power as we've been able to have."

Minutes added the peer support programs also run through their union make a positive difference. Those who want to ban collective bargaining argue tax dollars should serve the public, not union interests. But Protect Utah Workers says it's confident the group will reach the signature goal by tomorrow's deadline.

Hailey Higgins, Utah Education Association spokesperson, called HB 267 a "highly unpopular bill" and "a solution looking for a problem." She argued collective bargaining helps all employees, even those who aren't union members.

"It's not a political move, it just gives the people of Utah an opportunity to say whether they want their public unions to bargain collectively or not. We're confident we'll be able to get this on the November ballot of next year," she contended.

Utah has one of the most challenging referendum processes in the nation, requiring sponsors to get signatures from 8% of Utah voters, from at least 15 of the 29 Senate districts and within 30 days of the petition's launch. Higgins said it has been hard work, but is an effort worth fighting for.

"We could not have done what we have done so far without all of our supporters. We have law enforcement who have joined into this coalition, as well as mine workers, steel workers, nurses and food service workers," she continued. "It's been pretty remarkable to see the solidarity among our union partners, but also the public."