Blowin’ my payday loan in Gucci, y’all want somethin’?
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deep dive$ theme: https://www.instagram.com/antman_music
add’l music: https://www.instagram.com/nudealmusic
Songs/Beats (In Order):
1. Ludacris – Area Codes ft. Nate Dogg
2. Cam James – 2Sides
3. Megan Thee Stallion – Cash Shit ft. Da Baby
4. Cam James – Never Talk
5. Drake – Worst Behavior
6. Kali Uchis – Fantasy ft. Don Toliver
7. Syd – Over ft. 6LACK
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Chapters:
0:00 Intro
1:32 Payday Loan?
2:29 TitleMax Tour
3:50 Area Codes
6:57 Legal Loan States
7:27 The Worst Behavior
11:17 Fantasy
14:32 Solutions
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Sources:
1. Community Financial Services Association of America: https://www.cfsaa.com/facts
2. WFAA ABC 8: “Wells Fargo, other banks finance predatory lenders”: https://www.wfaa.com/article/news/diabolical-and-wrong-wells-fargo-other-banks-finance-predatory-lenders-that-can-charge-over-400-interest-in-minority-communities/287-f84efb8d-0936-443e-97ad-493776cc153f
3. Georgia Attorney General Consumer Protection Division, “Payday Loans”: https://consumer.georgia.gov/consumer-topics/payday-loans#:~:text=Payday%20loans%20are%20generally%20illegal,qualify%20for%20exemption%20from%20licensure
4. Payday loans can have interest rates over 600%, CNBC Make It: https://www.cnbc.com/2021/02/16/map-shows-typical-payday-loan-rate-in-each-state.html#:~:text=Texas%20has%20the%20highest%20payday,payday%20loan%20rates%20at%20677%25
5. TitleMax fined $15M for predatory lending to soldiers’ families: https://www.gpb.org/news/2023/02/27/titlemax-fined-15-million-for-predatory-lending-soldiers-families
6. Omni Calculator (Payday Loans): https://www.omnicalculator.com/finance/payday-loan
7. States Where Payday Loans Are Legal: https://paydayloaninfo.org/state-information/#:~:text=Payday%20loan%20states%20include%3A%20Alabama,Washington%2C%20Wisconsin%2C%20and%20Wyoming
8. Texas State & Local Loan Data: https://www.texasfairlending.org/state-local-data-1
9. Use of Public Pandemic Aid by Texas Payday & Auto Title Loan Businesses: https://texasappleseed.org/sites/default/files/PPP_Report_01_31-FinalFin.pdf
10. “How Can I Stop A Payday Lender…” Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ask-cfpb/how-can-i-stop-a-payday-lender-from-electronically-taking-money-out-of-my-bank-or-credit-union-account-en-1605/
11. WTOC 11 Savannah: Former TitleMax employee discusses sales practices: https://www.wtoc.com/2023/08/25/end-day-its-about-money-former-titlemax-employee-discusses-sales-practices/
12. Protecting People from Discriminatory Targeting, CFPB: https://www.consumerfinance.gov/about-us/blog/protecting-people-from-discriminatory-targeting/
