PORTLAND, Ore. -- While the Consumer Financial Protection Bureau mulls over national rule changes to short-term lending, Oregon families have already been hurt and could even go hungry trying to pay back loans.

Oregon offers a little extra protection. It is among the 18 states with some regulations on payday lending, including a 36 percent interest rate cap annually.

But families still fall into the lending "debt trap" and especially are at risk while spending during the holiday season. Oregon Attorney General Ellen Rosenblum said payday loans put people in difficult positions.

"If a debtor is faced with unaffordable payments on their payday-type loans, then they're having to choose between defaulting, between reborrowing, and between skipping their other financial obligations, like their rent or their basic living expenses like food and medical care,” Rosenbaum said.

The proposed CFPB rule changes to payday and car title lending include a requirement that lenders establish a consumer's ability to repay and limiting consumers to one loan at a time. Republican members of Congress have criticized the proposed change as a set of onerous regulations on the industry.

Jeff Kleen, a public policy advocate at Oregon Food Bank, said he spoke to a woman about how she got out from under her short-term lending debt.

"The way that she finally climbed out of that debt trap was to skimp on groceries,” Kleen said. "And this is a single mom with three daughters and all of them had to cut back on the amount of food that they were eating."

He said Oregonians spent $16 million dollars on fees for payday and car title loans last year, before interest payments on those loans even started.

Rosenblum encouraged Oregonians to think long and hard before taking out a short-term loan.

"Please make sure that you do have the ability to repay on the terms that you have committed to,” she cautioned, "because otherwise the collateral consequences - the closing of bank accounts, the seizure of cars and such - is going to unfortunately make for some very unhappy holidays."

New rules from the CFPB are expected to be announced in 2017.




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This is National Farmers Market Week, but almost every week, fresh fruits and vegetables and local products attract customers to more than 8,000 farmers markets nationwide.

Pennsylvania has 287 farmers markets that cultivate community and offer access to locally grown food.

Jenny Lester Moffitt, undersecretary for marketing and regulatory programs at the U.S. Department of Agriculture, said these markets pay a vital role in the local food and farm economy. She highlighted a USDA grant awarded to strengthen the food-supply chain.

"One of our grant recipients is an organization called Food Trust, and what they're doing is they are creating small, pop-up farmers markets in areas around Philadelphia that don't have access to healthy, fresh produce," she said. "They're increasing access to fresh, healthy, locally grown produce."

She said Adagio Health in Pittsburgh addresses food insecurity by hosting farmers markets at Women's, Infants and Children's clinics. This ensures that low-income families can get fresh local foods through programs such as SNAP and WIC, which promotes healthy eating and supports local farmers.

Moffitt said farmers markets are especially important to Pennsylvania's rural communities, as they connect farmers and ranchers with local customers.

"We know that when shopping at mainstream supply chains, farmers are getting about 14 to 15 cents of the food dollar back in their pocket," she said. "But when farmers can sell direct to consumers, they keep much more of that food dollar back in their pocket. And then, of course, that money is then circulating in the community."

In Gov. Josh Shapiro's latest budget, Pennsylvania received new investments for agriculture innovation and conservation. And this week, the Pennsylvania Department of Agriculture encouraged farmers to apply for $13 million in tax credits to enhance soil health and water quality.


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Reports continue to roll out underscoring food insecurity facing many Texans, and newly released numbers paint a troubling picture of hunger issues affecting older adults across the state.

The North Texas Food Bank has said nearly 1.1 million older adults are experiencing food insecurity in the Lone Star State, second highest in the country.

In a post-pandemic world, said Trisha Cunningham, the food bank's president and CEO, those 50 and older keep having to make tradeoffs when it comes to securing basic necessities.

"Do I buy food or do I pay my rent? Or, do I buy my medicine - because all of the costs have gone up so significantly," she said, "including housing and rent costs and insurance."

Officials have said food-assistance programs are a critical lifeline. However, many eligible seniors don't participate due to a range of barriers and stigmas. The heightened awareness comes as Congress debates a reauthorization of the Farm Bill, which not only funds SNAP benefits, but also the Commodity Supplemental Food Program for seniors.

For that specific program, Cunningham said, there is a waiting list in the areas they serve.

Cunningham said pandemic aid was helping many people on fixed incomes stay afloat, but when that extra support dried up, these individuals had to adjust in an era of higher-consumer prices.

"So, now we're seeing those families and senior citizens, they're now also having to go to a local food pantry to get assistance as well," she said, "just because they don't have enough monthly income to be able to meet their needs."

This latest report also reinforces previous research showing that seniors and older adults of color experience food insecurity at disproportionately higher rates compared with whites. Meanwhile, Cunningham said boosting food access among seniors helps reduce chronic health conditions.


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The number of Kentucky kids who ate free breakfast and lunch through Summer Nutrition Programs jumped by 65% between the summers of 2022 and 2023, bucking a nationwide downward trend, according to a new report by the Food Research and Action Center.

The findings highlight the Commonwealth's commitment to providing universal school meals through high district-level participation in the Community Eligibility Provision program, which eliminates the cost of school meals for students.

John Cain, Kentucky Kids Eat program director for Feeding Kentucky, noted participation has been strong.

"More than 90% of Kentucky schools actually have adopted CEP, which eliminates that cost for children and their families," Cain explained.

A recent survey by the group No Kid Hungry found more than half of rural families report not having enough money for food during the summer. More than 80% of parents said they spend more on groceries when their children are out of school, an average of $168 more each month.

Cain emphasized the benefits add up for kids who eat school breakfasts regularly, noting they are more likely to do better on standardized tests, and have fewer behavioral problems in the classroom.

"We have to eliminate barriers that could keep them from doing that," Cain urged. "Because we know it not only improves health and academic achievement, but it's a real solution for the children in Kentucky that are considered food insecure."

Experts said this summer offers important opportunities to increase access to summer nutrition by supporting and expanding summer programming, the provision of non-congregate meals in underserved rural areas, and the permanent Summer EBT Program.


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