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Initiated Measure 21 proposed a prohibition on state-licensed payday, title, and other short-term loan lenders from imposing interest rates greater than 36%, payday loan direct lender only in Lovejoy.
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For storefront payday borrowers, most of the reduction in the availability of credit would likely take the form of borrowers who have recently taken out loans being unable to roll their loans over or borrow again within a short period of time.
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The procedural requirements of the rule would make the process of obtaining a loan more time consuming and complex for some borrowers.
Not to mention the amount of paperwork and red tape involved in the whole process that made my head reel.
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