The following documents are provided as a resource to the media in an effort to assist you in understanding our industry and provide background information, statistics and analysis. If you have any questions after reviewing the information, please don't hesitate to contact us at (801) 355-9188.
- The Irresponsible Center for Responsbile Lending
March 2010
Author: Sean Higgins - Check & Overdraft Study 2008
March 6, 2009
Author: Michael Flores, Bretton Woods, Inc. - Check & Overdraft Study 2008
February 9, 2009
Author: Dr. Gregory Elliehausen, Federal Reserve System & George Washington University - CRL statements on Payday Lending found to be inaccurate and false
October 3, 2008
Source: Veritec Solutions LLC - In Defense of Payday Lending
July 18, 2008
Author: Donald Rieck - Overdraft Protection Fees are more than 20 times more expensive than Payday Loans
May 29, 2008
Author: Marc Anthony Fusaro, East Carolina University - Payday Lending Benefits Communities Stricken By Natural Disaster Says Working Study
March 24, 2008 - Federal Reserve Bank shows negative impact of banning payday loans
March 13, 2008 - Federal Reserve Bank shows negative impact of banning payday loans
March 3, 2008 - True Profits of Payday Lenders
March 2, 2007 - A Look at "Race Matters: The Concentration of Payday Lenders in African-American Neighborhoods in North Carolina"
September 2005
Community Financial Services Association of America
Author: Diego Saltes, Research Director
- Payday Loan Use among Active Military
January 2005
Author: Penn, Schoen & Berland Associates, Inc
Washington, DC - National Customer Satisfaction Survey--Highlights
May 2004
Conducted by: Cypress Research Group Shaker Heights, Ohio - National Customer Satisfaction Survey--Full Study
May 2004
Conducted by: Cypress Research Group Shaker Heights, Ohio - IoData Consumer Survey
CFSA, 2003 - Stealing Consumer Choice
February 24, 2003
Author: Dan Popeo, Chairman, Washington Legal Foundation - Banks Encourage Overdrafts
January 22, 2003
Author: Alex Berenson, New York Times - Research Report Comparison: IoData and Georgetown
CFSA, 2002 - Research Analysis: PayDay Advance in America
2002
Author: CFSA - Backgrounder: Why PayDay Advance is Not Predatory Lending
2002
Author: CFSA - Overview of the PayDay Advance Industry
2002
Author: CFSA - PayDay Advance - A Cost Effective Alternative
February, 2002
Author: CFSA - PadDay Advance Services: The "Financial Taxi" of America's Middle Class
2001
Author: CFSA - Preserving Financial Freedom for Taxpayers
Issue Brief #126
National Taxpayers Union
Author: Al Cors, Jr. - PayDay Advance Credit in America: An analysis of customer demand.
Monogram #35, April 2001
Credit Research Center
McDonough School of Business
Georgetown University, Washington, DC
Authors: Gregory Elliehausen, PhD and Edward C. Lawrence, PhD