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Since moving to Chicagoland in the 1980s, I’ve read the daily newspapers cover to cover. In the suburbs, I became aware and then worried about the increase in crime in the city. I believe former mayor Rahm Emanuel started an organization with a website that lays out several numerical goals on crime, but also on …

Getting quick access to cash can be difficult at the best of times. It can be even more difficult when times are tough. If you’re short on cash, a payday loan might seem like the only option, but there’s rarely a good reason to get one. Even if it’s just a small amount of money …

Bankman-Fried stepped down as CEO last week, as FTX filed for bankruptcy, holding less than $1 billion in assets versus $9 billion in liabilities. US regulators are also investigating if the crypto exchange mishandled client funds. While the crypto market collapses, people who have put their money in cryptocurrencies are seeing their wealth vanish. A …

Founded in 2012 and based in Chicago, Avant is a consumer lending platform that offers secured and unsecured personal loans through a third-party bank (WebBank). Unsecured loans are available in Washington, DC and in all states except Hawaii, Iowa, New York, Vermont, West Virginia and Maine. The platform specializes in middle-income borrowers with fair to …

Upstart has made a name for itself in the personal loan space due to its artificial intelligence and machine learning approach to qualifying borrowers. In fact, Upstart estimates that it was able to approve 27% more borrowers than it could under a traditional lending model. With competitive APRs, Upstart is not a top lender for …

Four years after becoming Lake County treasurer in a 2018 blue wave election, Mundelein Democrat Holly Kim faces a challenge from Republican Paula McGuire of Green Oaks. Kim touts nearly $10 million in investment income earned in 2020, up from $2 million four years ago, the launch of online billing to reduce printing and postage …

Chicago Public Schools Take Over Urban Readiness Academies The Chicago School Board voted unanimously on Wednesday to take over two campuses from the charter school, Urban Prep. CHICAGO – The Chicago Board of Education on Wednesday voted unanimously to take over two campuses of the charter school, Urban Prep. The district cited allegations of financial …

The advantages of taking out a personal loan are many. Getty Images As inflation continues to limit consumers’ purchasing power, many people are turning to credit to pay bills and emergencies. But while getting into debt is sometimes the only option, there are ways to limit the amount of interest you end up paying. One …

The advantages of taking out a personal loan are many. Getty Images As inflation continues to limit consumers’ purchasing power, many people are turning to credit to pay bills and emergencies. But while getting into debt is sometimes the only option, there are ways to limit the amount of interest you end up paying. One …

In August, I joined the chorus of gratitude when the Biden administration issued up to $20,000 in federal student loan forgiveness in addition to finally issuing borrower advocacy group waivers for former Westwood students. College and ITT Tech. This relief will help tens of millions of students, especially those who have been defrauded by the …

(The Conversation is an independent, nonprofit source of news, analysis, and commentary from academic experts.) Ray Charles “Chuck” Howard, Texas A&M University; Abigail Sussman, University of Chicago; David J. Hardisty, University of British Columbia, and Marcel Lukas, University of St Andrews (THE CONVERSATION) The research summary is a brief overview of interesting scholarly work. The …

(The Conversation is an independent, nonprofit source of news, analysis, and commentary from academic experts.) Ray Charles “Chuck” Howard, Texas A&M University; Abigail Sussman, University of Chicago; David J. Hardisty, University of British Columbia, and Marcel Lukas, University of St Andrews (THE CONVERSATION) The research summary is a brief overview of interesting scholarly work. The …

ABOUT PEOPLE’S ACTION/INSTITUTE The People’s Action Institute (501c3) and sister organization People’s Action (501c4) are national progressive organizations supporting grassroots mobilization and leadership for an agenda that reflects people rather than profits. People’s Action/Institute empowers the poor and working people in rural, suburban and urban areas to achieve change through campaigns and elections. With offices …

Nestled in a leafy, thriving strip of suburban DuPage County, Center Cass School District 66 in Downers Grove appears at first glance to exemplify the best in public education. The neighborhood boasts three neat and modern school buildings, enthusiastic teachers known for their academic rigor, and great personal attention for its 1,100 students in kindergarten …

These factors also make it more difficult to access the financial products that workers need to conduct their economic affairs. For example, banking institutions often require proof of identity under rigid guidelines or may require proof of employment. Unable to meet these demands, informal workers are often denied traditional products to protect their income or …

(NerdWallet) – If you’re asked to imagine a payday lender, you might think of a storefront in a strip mall with green dollar signs and neon slogans like “everyday payday.” You probably wouldn’t imagine a mobile app that advertises on TikTok and sports a colorful logo. But cash advance apps like Earnin and Dave provide …

People are usually very eager to share their stories of incredible wealth and wealth. If you bought Apple in the early years or Bitcoin at $40, why not mention it at a party? People are generally much more discreet about their failures. But you can find such admissions thanks to the anonymous nature of social …

(Bloomberg) — For the better part of a decade, an American hedge fund manager who has never even set foot in China is patiently betting that the yuan will cause a massive collapse, so deep that its value could be cut in half . Bloomberg’s Most Read Since 2014, Kevin Smith of Crescat Capital has …

Pictures of people | Istock | Getty Images Citi is expanding a program to encourage homeownership in diverse communities, as part of a new set of initiatives to broaden access to its lending products. The program, called home run, aims to help remove key barriers to homeownership, including cost and affordability. The program, which offers …

Lenders set a number of different standards or rules when deciding whether to offer loans to the public. One of these standards is a minimum loan amount. Some lenders decide not to offer small personal loans and instead start at $5,000 or more. So if you’re looking to borrow a small amount of money for …

ABOUT PEOPLE’S ACTION/INSTITUTE The People’s Action Institute (501c3) and sister organization People’s Action (501c4) are national progressive organizations supporting grassroots mobilization and leadership for an agenda that reflects people rather than profits. People’s Action/Institute empowers the poor and working people in rural, suburban and urban areas to achieve change through campaigns and elections. With offices …

As DoorDash unveils its annual economic impact report, the largest US-based delivery service provider is also launching a new initiative to encourage customers to buy more local products. Called A Neighborhood Good in Every Order, the new platform “aims to bring DoorDash’s fairness to the fore, showing that on DoorDash, every order placed creates a …

Founded in 2012 and based in Chicago, Avant is a consumer lending platform that offers secured and unsecured personal loans through a third-party bank (WebBank). Unsecured loans are available in Washington, DC and in all states except Hawaii, Iowa, New York, Vermont, West Virginia and Maine. The platform specializes in middle-income borrowers with fair to …

Trans Union New TransUnion Research Highlights the Challenge for Online Operators to Identify Resilient and Distressed Consumers CHICAGO, Aug. 31, 2022 (GLOBE NEWSWIRE) — Amid rising inflation and its impact on consumers’ personal savings rates, TransUnion (NYSE: TRU) has conducted new research examining the financial situation and the behaviors of consumers who practice mobile sports …

“I don’t know if I can marry you – not without a prenup.” That’s what my ex-girlfriend told me after I proposed to her five years ago. The reason? She didn’t want to touch my $80,000 in outstanding student loans with a ten foot pole. My massive debt was hanging over my life like the …

With Netflix overflowing with new content and shows, viewers often don’t know where to start. While some shows may have a great plot, others are packed with action; while some episodes are hugely gripping, others are laugh riots. Besides all the immensely popular series, there are plenty of hidden gems that may have missed the …

Included with PLI Privileged Membership Earn up to 11.0 credit hours available Why should you attend 2022 marks the 27th year of this exceptional program, which is considered the first consumer financial services CLE program in the country. The CFPB, FTC, HUD and federal banking agencies continue to implement changes to embrace new priorities, including …

‘EMILY THE CRIMINAL’ RATED R It is often said that one should write about what they know, or at least a variant of this construction. For director and screenwriter John Patton Ford, he turned a personal story into the premise for “Emily the Criminal.” On the surface, “Emily the Criminal” is about a woman who …

About People’s Action/Institute The People’s Action Institute (501c3) and sister organization People’s Action (501c4) are progressive national organizations that support grassroots mobilization and leadership for an agenda that reflects people rather than profits. People’s Action/Institute empowers the poor and working people in rural, suburban and urban areas to achieve change through campaigns and elections. With …

Their comments and questions ranged from the state’s witness protection program and the need for an assault weapons ban to how the governor would ensure community organizations receive the investments they need to violence prevention programs and whether there has been success elsewhere for gun buy-back programs. A leader, Cherry, did not have a lap …

The Mega Millions jackpot has reached over $1.02 billion. But not all winners win the same pot; depending on the state you live in, you may be subject to higher state taxes. Friday’s drawing is the third largest Mega Millions jackpots all time. Although lottery jackpots are often shared by multiple winners, Mega Millions set …

A petition to cap service charges on payday loans will not officially appear on the November ballot. The Michigan Board of State Solicitors denied certification of the petition on Thursday after learning that the campaign had failed to collect enough valid signatures to get past voters. Michigan Chief Electoral Officer Jonathan Brater said the group …

A petition Capping service charges on payday loans will not officially appear on the November ballot. The Michigan State Council Canvassers refused certification of the petition on Thursday after learning that the campaign had failed to collect enough valid signatures to get past voters. Michigan Chief Electoral Officer Jonathan Brater said the group initially took …

“The future is crisp! states a digital recreation of a young LeBron James in the ubiquitous TV ad promoting Crypto.com. That is, the hype. Savage. Exciting. Cryptocurrency is trending, especially for African Americans. I’m still trying to understand. The Oxford Online Dictionary defines “cryptocurrency” as “a digital currency in which encryption techniques are used to …

The health of 15-year-old Jinger Vincent depends on his family’s ability to buy gasoline to take him to medical appointments. Vincent, a lifelong athlete, was diagnosed with bone cancer over a year ago. “The first thought I had was not to cry,” Vincent told CBS News. “I was in front of my parents and I …

CHICAGO (CBS) — Inflation is at its highest level in 40 years – hitting 9.1% on the year in June, the highest since 1981. The Consumer Price Index reports that the price of gas has skyrocketed nearly 60% in the past year – and that’s of course far from the only commodity affected. Meanwhile, a …

ACE Cash Express Inc., one of the largest payday lenders in the United States, is facing a lawsuit from the CFPB for allegedly charging reborrowing fees to defaulting borrowers who could have benefited from free debt repayment plans . ACE has generated at least $240 million in fees since 2014 through practices that “deceptively concealed” …

Gen Z wants work at work: a casual dress code, pet-friendly offices, and a paycheck every day. According to a recent report from the Center for Generational Kinetics (CGK). As the first generation to come of age in an age where daily paychecks are possible, according to CGK, it makes sense that Gen Z would …

A 22-year-old man identified as a person of interest in a shooting during an Independence Day parade in suburban Chicago that killed at least six people, injured at least 30 and scared hundreds away was taken into custody on Monday night after an hour-long manhunt, police said. Highland Park Police Chief Lou Jogmen said Monday …

Most want to avoid payday loans, which offer quick cash against future paychecks without a credit check and come with an interest rate of over 500%. But rapidly rising prices for food, fuel and rent leave them with few options. To payday lenders, Nevertheless, they announce happy days and good times to come. “Low unemployment …

Pave, a fast-growing competitor to Option Impact, announced on Tuesday that it has acquired Advanced-HR from Morgan Stanley. The acquisition came as Pave announced its $100 million Series C funding round led by Index Ventures. The tech talent market is always fiercely competitive, and startup executives rely on each other’s data to gauge how much …

A bear market is bad enough. But there is more bad news in store: bear markets are usually followed by recessions. Over the past half-century, bear markets have been accompanied by recessions 83% of the time, according to analysis by Morningstar research vice president John Rekenthaler. The National Bureau of Economic Research (NBER), which declares …

More than 40% of people in the UK who opt for such offers – which allow shoppers to pay for their purchases in instalments, often without paying interest – have borrowed money to make their repayments, according to new data from the charity Citizens Advice. Just over a quarter of customers used credit cards to …

Upstart has made its mark in the personal loan space due to its artificial intelligence and machine learning approach to qualifying borrowers. In fact, Upstart estimates that it was able to approve 27% more borrowers than it could under a traditional lending model. With competitive APRs, Upstart is not a top lender for borrowers who …

Only one of the ten initiative petitions in circulation filed signatures in time to appear on the November ballot. A group working to cap service charges on payday loans, Michiganders for Fair Lending, said it delivered 405,625 signatures to the secretary of state by the 5 p.m. deadline on Wednesday. Group treasurer Dallas Lenear said …

Louisiana Governor John Bel Edwards vetoed a bill that would have allowed consumer lenders to offer short-term installment loans with triple-digit interest rates. The bill sought to establish a new type of consumer loan of up to $1,500 and with terms of between 90 days and one year. Edwards, a Democrat, objected to the prices …

Inflation has particularly affected people who are already struggling to fit gas in their tanks and groceries in their refrigerators. For many, a payday loan may seem like the only way to get the money needed. In recent years, however, as more states impose restrictions on risky short-term lending, new lenders have emerged offering small, …

CHICAGO – In their failed bid to blockade Bally’s $1.7 billion River West casino, downtown city council members warned the deal was rushed — just like the one that privatized Chicago’s parking meters — and that it would end up being “even worse” for taxpayers. This dire prediction is hard to imagine, given the results …

In their failed bid to blockade Bally’s $1.7 billion River West casino, downtown city council members warned the deal was rushed — just like the one that privatized Chicago’s parking meters — and that it would end up being “even worse” for taxpayers. This dire prediction is hard to imagine, given the results of the …

Washington, DC — The predatory lending practices of EasyPay Finance and the Utah-based, FDIC-supervised Transportation Alliance Bank (TAB Bank) are hurting service members, veterans and their families, according to a new report from a coalition of consumer advocacy groups released ahead of Memorial Day. EasyPay Finance, which charges up to 189% APR, appears as a …

A geometric 17-story building rising along the River Walk stands out from its neighbors for several reasons. It will also be modern, with asymmetrical floors positioned on three levels, minimalist unit designs and an automated parking system. Named Floodgate after a nearby bridge and sluice, the building at 143 E. Commerce St. is expected to …

Annie Millerbernd Inflation has already hit people particularly hard struggle to get gas in their tanks and groceries in their refrigerators. For many, a payday loan may seem like the only way to get the money needed. In recent years, however, as more states impose restrictions on risky short-term lending, new lenders have emerged offering …

Other laws Collins has sponsored include SB 2136, the expungement of criminal prostitution charges, and SB 2137, a bill that requires virtual visitation options for people in long-term care facilities. in addition to existing in-person visiting policies. HB 588 and SB 1599, which create a human trafficking task force to investigate the disparity in the …

Online payday loan companies that charged up to 919% interest will spend $489 million to repay some 555,000 borrowers, to settle a class action lawsuit brought by eight Virginians. The lawsuit alleged that Golden Valley Lending; Silver Cloud Financial, Inc.; Mountain Summit Financial, Inc.; and Majestic Lake Financial, Inc., all formed under the laws of …

As Vince Neil prepares for Motley Crue’s return to the road on this summer’s stadium tour (36 dates, over 1 million tickets sold to date, VIP ticket prices over $1000) , he may not be the first person you might turn to for advice on payday loans. But here we are. Neil has teamed up …

In theory, this pilot looks promising. What’s better than free cash, goods and services in a cash-strapped town? However, closer examination raises serious concerns about the risks asked of low-income Chicagoans. The mayor and her team shouldn’t promote cryptocurrencies for their “financial inclusion” benefits, when these claims lack evidence and the crypto space remains unregulated …

In 5 years, Beyond Finance has earned the trust of over 140,000 clients with an average of $23,600 in unsecured debt. Tweet that Among these customers is Amy, whose husband had a tragic motorcycle accident and had intermittent surgery for more than a year. When she called Beyond Finance, she had more than $50,000 indebted. …

Q&A: How securitization could make buying a home more accessible for borrowers from black, Latino and low-income communities. Expanding access to property is crucial to closing the racial wealth gap. The society of changean Irvine, Calif.-based CDFI is working to address this problem by making homeownership more accessible to creditworthy borrowers from black, Latino, and …

By BOTWC Staff Chicago Community Trust CEO steps down to become president of Spelman College The Trust is an organization that was established over 100 years ago to bring together private donors, non-profit organizations and local residents under one philanthropic arm. Today it is one of the largest foundations in the world and is led …

She wants to help shape young black women! Chicago Community Trust CEO steps down to become president of Spelman College, WBEZ Chicago Reports. The Trust is an organization that was established over 100 years ago to bring together private donors, non-profit organizations and local residents under one philanthropic arm. Today it is one of the …

Although you can get an emergency loan from your credit card issuer or a payday lender, we recommend getting a traditional unsecured personal loan from a bank, co-op credit or an online lender. Banks If you have a traditional bank account at a physical institution, you may also be lucky to get a personal loan …

Buy Now Pay Later (BNPL) plans are increasingly being offered as a convenient credit alternative that allows purchases to be made in installments, typically four payments over six weeks. The so-called “fintech” (financial technology) companies that offer these plans often advertise them as offering consumers interest-free payments without impacting credit scores. But consumer groups and …

Chicago, Illinois, April 28, 2022 (GLOBE NEWSWIRE) — The Financial Health Network, the national authority on financial health, in partnership with Prudential Financial, today released The 2022 FinHealth Spending Report, examining how U.S. households managed their finances and accessed credit in the second year of the pandemic. Analysis of year-over-year trends for more than two …

Chicago, IL, April 28, 2022 (GLOBE NEWSWIRE) — The Financial Health Network, the national authority on financial health, in partnership with Prudential Financial, today released the FinHealth Spend Report 2022, examining how American households were managing their finances and accessing credit in the second year of the pandemic. Analysis of year-over-year trends for more than …

Chicago, IL, April 28, 2022 (GLOBE NEWSWIRE) — The Financial Health Network, the national authority on financial health, in partnership with Prudential Financial, today released the FinHealth Spend Report 2022, examining how households Americans are managing their finances and accessing credit in the second year of the pandemic. Analysis of year-over-year trends for more than …

The head of one of Chicago’s largest foundations is stepping down to become president of Spelman College. Helene Gayle announced Monday that she is leaving the Chicago Community Trust in June to lead the historically black women’s university in Atlanta. She said she thought running the Trust would be her last job, but she couldn’t …

Children ate better, families paid off their debts and parents were able to improve their job skills when the expanded child tax credit was sent directly to American families. That’s according to a Brookings Institution global working paper released this month that examines the now-defunct expansion, which was paid monthly for six months. The report, …

There are other types of stock market leverage, and no one knows how much leverage there is in total. Margin debt is the only indicator reported. By Wolf Richter for WOLF STREET. Margin debt — the only type of stock market leverage regularly reported — fell another $36 billion, or 4.3%, in March from February, …

American investors are sending big money north to fund Canadian information technology (IT) startups, which raised a record $13.6 billion in venture capital (VC) last year. That’s according to a Monday, April 18 report from The Wall Street Journal, which said many venture capitalists are drawn to bustling tech hubs in cities like Vancouver and …

Additionally, the New York State Common wants big banks to stop investing in fossil fuels, and a new report shows payday loan reforms are saving borrowers millions in fees. Starbucks Union Wave continues Workers at a Starbucks coffee shop in Pittsburgh voted unanimously (20:0) to become the first store in Pennsylvania to unionize. Their success …

You can get approved for some loans, such as emergency loans, payday loans, and bad credit or no credit check loans, even if you don’t have the best credit or a stable income. They can provide you with the funds you need to pay for any expenses that may arise. But just because these loans …

Fintech companies are offering ways for Latinos who can’t get debit cards to transact cashless. Why is it important: Latinos are among the least banked (no household account) and underbanked (one account, but no access to services like loans) population groups in the United States, according to government data shows. Drive the news: Many Latinos …

Do you feel overwhelmed by your debt? Are you juggling payments to multiple creditors? Are you tired of being harassed by cashiers? If so, you are not alone. Many people find themselves in difficult financial situations, but there is hope. You can consolidate your debts with a personal loan. Debt consolidation consists of combining several …

William_Potter/iStock via Getty Images We are not rich in what we have but in what we can do without..― Immanuel Kant Today we are looking at a small financial business. The company went public last summer via a SPAC. Like so many others brought to the public via this avenue in 2021, the shares find …

By Lauraann Wood (April 7, 2022, 4:48 p.m. EDT) – Illinois lawmakers sent Governor JB Pritzker’s office Wednesday legislation regulating the state’s largely unchecked consumer legal funding market, despite concerns from opponents of the bill that it could add an invisible side to settlement negotiations and hurt lawsuit resolutions more than it helps them. If …

By Lauraann Wood (April 7, 2022, 4:48 p.m. EDT) – Illinois lawmakers sent Governor JB Pritzker’s office Wednesday legislation regulating the state’s largely unchecked consumer legal funding market, despite concerns from opponents of the bill that it could add an invisible side to settlement negotiations and hurt lawsuit resolutions more than it helps them. If …

When it comes to personal loans, there are two types of loans: secured loans and unsecured loans. However, if you are having difficulty qualifying for a personal loan, consider other bad credit loans. Secured and Unsecured Personal Loans for Bad Credit Traditional personal loans can be secured or unsecured. Secured loans require you to provide …

A year ago, Illinois’ Predatory Loan Prevention Act went into effect, creating a 36% interest cap on consumer loans. I was one of the legislators who fought hard to get that price cap passed. Payday lenders were charging over 300% interest. Low-income people who needed money to meet an emergency often felt they had no …

“ Get a sample report Buy the full report Customization request Global Carbonated Water Dispensers Market Research and Analysis Report According to Verified Market Research, Global Sparkling Water Dispensers Market was valued at USD 818.35 Million in 2021 and will grow with a CAGR of 2.88% from 2021 to 2027. Report Hive Research Market Reports …

After a month, the first symptoms appeared: pressure on the chest, knotted stomach, a thickening aura followed by the sensation of someone scratching the base of the skull. He was quarantined over Christmas for fear he had caught a virus; the base medics dispelled his concern, saying it was “Iraqi rawness”. When her husband returned …

SPRINGFIELD, Ill. (NEXSTAR) – Lawmakers celebrated the one-year anniversary of the passage of the Predatory Loan Prevention Act (PLPA) on Wednesday. The PLPA sets a statutory maximum interest rate for consumer loans at 36%. The bill, which was part of the Legislative Black Caucus’ economic equity agenda, passed both houses in January 2021. Governor Pritzker …

“When it’s mandatory, everyone has access,” said Rebecca Maxcy, director of the Financial Education Initiative at the University of Chicago. Update March 18, 2022, 9:32 p.m. ET While progress between the states is encouraging, there’s still more to be done, said Nan J. Morrison, president and CEO of the Council for Economic Education. Currently, only …

OppLoans installment loan product is the best option available for applicants with poor credit or no credit history. You can borrow a small amount starting at $500 and your positive repayment history will be reported to the three major credit bureaus. If you are not eligible for other options due to your credit score, OppLoans …

A collective of eight CDFIs is putting racial equity at the forefront of education lending. From fiery debate over critical race theory to heated school board meetings and the uncertainty of schooling in a deadly pandemic, the issue of education is at the center of public discourse. Recently, amid growing social unrest, eight CDFIs have …