Dallas Unite! Throw off the Chains of Redneck Legislators, Payday Lenders, Etc.

Categories: Schutze

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Maybe Dallas has a shot at stepping out from under the redneck yoke of Austin after all. In today's news we see that a Dallas judge, Eric Moye, has tossed out a lawsuit
by the usury industry in which payday lenders claimed the city had no right to protect its citizens if Austin didn't want them protected.

The Legislature has always refused to give Texans any protection at all from the hyenas in the payday lending business. Austin never wants anybody protected from anything. The Capitol has always been home to a bunch of for-sale-ass gomers willing to give up their own grandmas for free whiskey and a steak. And up until now, the urban areas either could not or would not step in to shield their citizens from the Rick Perry Oopsers in the Lege.

The census estimates the state at 82 percent urban based on the 2000 census. State of Texas numbers estimate the urban percentage at 86 percent in 2005, with trends pointing toward something more like 90 percent at about now. So why do urban Texans have to be ruled by the pitchfork set?

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Maybe we don't. A local leader in the fight against the payday eyeball gougers was Gerald Britt of CitySquare, who is a great example of the kind of enlightened big-city leadership we can put forward when we want to, even though I don't always agree with him.

This is not a liberal/conservative thing. Don't take it that way. The author of the city's 2011 ordinance to rein in payday lending was Jerry Allen, a Lake Highlands conservative. It's more like the rule of law. What's conservative about letting the wolves run free through the village?

Austin isn't conservative. It's just pro-wolf. And why would that be? Oh, c'mon. We all know that one. The Legislature bows to the wolves, because the Legislature is corrupt and stupid. In that atmosphere, it's up to the cities to protect themselves and promote their own better future.

Another example: City Council member Carolyn Davis is putting together a $2.5 million work-training program around a major highway construction project in southern Dallas. That's brilliant. Maybe the single biggest curse on southern Dallas over time has been the number of people deemed by the Bureau of Labor Standards to be "not in the labor force."

It's a complicated picture, and, yes, it involves some criminals and some people on the dole. But it also involves a ton of people who actually work their asses off every day to survive but are shut out of formal jobs by an array of factors. A program that would help bring some of those folks, any of them, back into the labor force can only be an enormous benefit to us all.

So I'm counting on my fingers here today. Judge Moye. The Reverend Britt. Council members Allen and Davis. Hey. I've already got almost a handful of urban leaders fighting for this city's best interests. Who knows? Maybe we really can hold off the pitchforks.

I'm so stirred up here, I'm even thinking of a new urban flag. Graphic design may not be my strong suit, so, you know, it's just a suggestion. But I'm thinking of a banner with a snake all coiled up and scary looking and a little saying at the bottom, "Don't Oops On Me."


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46 comments
MikeWestEast
MikeWestEast

How do you get 82 per cent urban? Dallas and Ft. Worth are not even 82 per cent of Metroplex. You are obviously counting the evil suburbanites in your total. They are not "urban" to you as shown in previous rants. You lost your right to claim them as your own. I am pretty sure they have zero interest in flying any flag that also covers the city of Dallas except the Lone Star flag.

James080
James080 topcommenter

Jim is <gasp> correct.

It really is expensive being working poor, and the last thing they need is to be ripped off by loan sharks posing as pay-day lender or car title lender. These "lender" use loopholes in the law to greatly exceed the usury rates for loans allowed by Texas law. Even though these businesses bought and paid for politicians to open those loopholes down in Austin, there is no good reason why local government in Dallas can’t close them.

blowmetone
blowmetone

Maybe @mavdog will attempt to convince us that the customer base for rent-a-big-rim shops are white people too!

Dallasmedia
Dallasmedia

Once again, only my main man Schutze has the guts to say what nobody else will--that predatory lending is bad and politicians are influenced by big business. 

Nobody's forcing these people to get scammed by payday lenders. Just like nobody forced people to invest in a rigged stock market that fleeced them in 2008.


JimSX
JimSX topcommenter

Hey, Blowmetone. This anonymous stuff on the blog isn't what you really want. Here's what you do. Put on your work clothes. Get some whiskey in you. Drive downtown and holler out the car window about your views.  You know you want to do it. Gw'on. Dare you. 

roo_ster
roo_ster

Did I miss the part where the payday lenders were rounding up "customers" under gun point to partake of their services?  Because that would be about the only reason to get so riled up.

crimjunkie
crimjunkie

Damn, Jim.  You sure were channeling Molly Ivins today (and I mean that as a compliment):

"The Capitol has always been home to a bunch of for-sale-ass gomers willing to give up their own grandmas for free whiskey and a steak."

Phildaddy
Phildaddy

I heard that your neighbors shit on your doorstep in Dallas, or let their dog's feces build up to the point where they roll off their patio above yours.  No thanks!  Maybe some citizen will do something about it... 

ruddski
ruddski topcommenter

If Dallas were more protective, I might consider living there, but the city is full of bad things that take my money and apparently, none of you care.

smithjosh
smithjosh

@James080 Not to mention the high marginal tax rates for getting off of public assistance and actually earning more money.  That's cash ... the fungible asset that can be allocated across time to purchase needed goods and services.  As opposed to public benefits in the form of rent subsides, refundable tax credits, and food stamps.  None of which can be used to satisfy temporary and immediate needs.  Oh man, does it then follow that people at high risk of default need short term loans to cover basic expenses?

JimSX
JimSX topcommenter

Sorry, everybody else. But some times I feel like the blog serves as a white sheet for these guys.

scottindallas
scottindallas topcommenter

@roo_ster no, the police do that or else throw you in debtor's prison.  Or, some people face unforseen troubles, and have no where else to turn. 

Daniel
Daniel

@crimjunkie That's precisely what I thought when I read that sentence. Can we be sure that Jim didn't steal this line from Molly Ivins? Can we be sure that Molly Ivins didn't steal this line from someone else?

everlastingphelps
everlastingphelps topcommenter

@blowmetone Ditto.  "Protect" people?  Maybe I missed the guy with guns outside forcing people to come in and borrow money from these places.  "Borrow this money... or else."

If you REALLY want to protect them, you'll get rid of the urban hucksters leeching money out of every deal that they can and killing any deal that they can't.  

That's the REAL problem with the payday lenders.  The right pimps aren't getting paid off, so they have to be regulated to death.

blowmetone
blowmetone

@JimSX Considering the violent need for people like you to silence and punish anyone who disagrees with you-- yes people are going to post anonymously. Who wants a bunch of maladjusted liberals doing shit like picketing their work?

iwearblack
iwearblack

@JimSX  And a pink, if not red one for others, depending on how far left you lean...

Montemalone
Montemalone topcommenter

@everlastingphelps @blowmetone If you're $10million in debt, banks fall over themselves to loan you more money at minimal interest rates.

If you're working 50 hours/week trying to keep the kids fed, the car running, the rent paid, and the lights on, and something or someone breaks, the banks laugh at you.

mavdog
mavdog topcommenter

@everlastingphelps @blowmetone 

if an individual has no experience in borrowing money, has an unfamiliarity with financial terms, no bank experience, they are the very people these payday loan cos. are after. there is a reason they predominate in lower income, lower educational attainment areas.

the payday loan cos. operate outside the confines of a regulated lending institution, and the limitations of usury laws, by how they structure their product.

are you advocating the end of usury laws? should it be a no holes barred, social darwinian world of letting the borrower fend for themselves?

no, it shouldn't.

blowmetone
blowmetone

@everlastingphelps @blowmetone Jim, like most paternalist racist liberals believe that minorities are incapable of self determination or thought and need the constant protection of self proclaimed "more intelligent" people like himself. 

blowmetone
blowmetone

@observist I bet I donate more to charity and do more volunteer work than you and Shutze combined.

observist
observist topcommenter

@blowmetone @Daniel @everlastingphelps @mavdog HAHAHAHAHAHHAHAHAHHAHAAAA!!!!   You said "choose a life of dignity"!!!!!!!!!!!

Does that involve making 40+ racist blog comments every day for 2 years?

blowmetone
blowmetone

@Daniel @everlastingphelps @mavdog @blowmetone Clearly no one can choose what bankroll they are born with.  I know you probably believe we live in some sort of caste system where people are disallowed from improving the circumstance they were born to. 

Adults and even young children can make choices however. They can choose to educate themselves rather than playing Angry Birds for example. They can choose to save money rather than buying expensive sneakers and other bauble. 


They can choose to reject the culture of self indulgence and depravity, and choose a life of dignity instead. Despite paternalists, who believe only they know best, telling them they are condemned to the poor choices of their peers. 

But you don't believe in choice do you? (Except maybe when it comes to abortion)

mavdog
mavdog topcommenter

@everlastingphelps

there is a HUGE difference between a libertarian and an advocate of a laissez faire business climate. you are the latter.

"poor people stay poor because they make bad financial decisions"

well, that particular line of crap is enough to make me stop reading the rest of that post.

ridiculous.

everlastingphelps
everlastingphelps topcommenter

@mavdog @everlastingphelps @blowmetone I'm a libertarian, of course I'm for the end of usury laws.  I'm also for full disclosure.

The fact is, poor people stay poor because they make bad financial decisions.  They are going to get overextended and need loans.  We can either have a legal, financially viable (for the lender) system that out in the open and violence free, or we can leave it to the illegal loan sharks who break legs to get their loan paid off.

Are you advocating that people get their legs broken just because they are poor?

mavdog
mavdog topcommenter

@blowmetone 

in 2009, 8.4% of white households earned less than $25K/yr, 14.5% of black households and 14.7% of hispanic households.

Dallas pop is about 1 million, and half are classified as white. So approx 42K  white households have annual income below $25. Approx 36K black households have annual incomes below $25k. Hispanics a bit more.

so there are about as many white as black as hispanic households who earn less than $25K/year. in answer to your question, payday lenders are just as likely to have any of the above as a borrower. payday lenders don't care.

really, math isn't your strong suit is it? go figure...

blowmetone
blowmetone

@mavdog @blowmetone %s


That is in NC but is there any reason to doubt it's any different here? You're seriously fucking delusional(duh) if you think payday loan places are actually used by any serious percentage of white people. 


Or that Jim would actually write an article about it/pretend to care if they were.

blowmetone
blowmetone

@mavdog @blowmetone What percentage of blacks and hispanics are poor vs the percentage of whites?

Are you seriously backpedaling on half a centuries worth of liberal talking points? If I go into the death penalty thread am I not going to see a bunch of white liberals making this same claim? Way to be consistent!

mavdog
mavdog topcommenter

@blowmetone 

Half of the population of Dallas is classified as white, so the stats say that a "poor" person is as likely to be white as they are likely to be other races.

payday lenders target anyone who is financially illiterate, regardless of race.

it is you who is linking race to the discussion, and trying to dance around it doesn't change that fact.

blowmetone
blowmetone

@mavdog @blowmetone @everlastingphelps 

Who in Dallas is more likely to be poor? 

Who in Dallas do you actually think uses payday lenders?

PRETENDING Jim isn't talking about minorities doesn't make it true. 


mavdog
mavdog topcommenter

@blowmetone @everlastingphelps 

"paternalistic racist liberals believe that minorities are incapable of self determination"

odd, but there isn't any mention of anyone's race in either the proposed regs or in Jim's article. it is about incomes levels.

clearly it is YOU who is injecting race into the discussion, and clearly it is YOU who has a "paternalistic racist" viewpoint. apparently you equate income levels with minorities, as if there aren't any lower income whites.

physician, heal thyself.....

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