1. Use of Legislative Data to Build a State Campaign Against Payday Lending Presentation by Wilhelmina A. Leigh “Paycheck to Payday: … ” Panel Southern Regional Asset Building Coalition Conference New Orleans, LA September 25, 2014

2. Presentation Topics Using data about a state legislature and its members to support a campaign against payday lending ◦ Questions to ask ◦ Types of data to gather and use Joint Center for Political and Economic Studies 2 Presentation is based on report Where the Stores Are … And Other Factors Related to Legislative Support for the Payday Lending/Title Loan Industry in Alabama (2014, August) by Joint Center for Political and Economic Studies for Alabama Asset Building Coalition.

3. Questions To Ask Why have members of the legislature been unable to pass legislation to rein in payday lending? Is this inability to pass anti-payday lending laws associated with the receipt by legislators of campaign contributions from the payday lending/title loan industry? Joint Center for Political and Economic Studies 3

4. Questions To Ask (cont’d) Do legislators whose districts contain the largest numbers of payday stores receive the largest contributions from the payday lending/title loan industry? Based on information about industry contributions to legislators, which legislators are likely allies/opponents for a campaign against payday lending? Joint Center for Political and Economic Studies 4

5. Data Needed To Answer Questions Number of payday stores per state legislative districts (Senate and House) Amount of campaign contribution(s) to legislators by payday lending/title loan industry Committee assignments and leadership positions held by legislators Joint Center for Political and Economic Studies 5

6. Data To Answer Questions: Number of Payday Stores Per Legislative District Joint Center for Political and Economic Studies 6 Legislative BodyAverage Number of Stores Per District Maximum Number of Stores Per District Minimum Number of Stores Per District Alabama Senate29489 Alabama House of Representatives 10260

7. Data To Answer Questions: Number of Payday Stores Per State Senate District Joint Center for Political and Economic Studies 7

8. Data To Answer Questions: Number of Payday Stores Per State House District Joint Center for Political and Economic Studies 8

9. Data To Answer Questions: Amount of Campaign Contributions to Legislators Joint Center for Political and Economic Studies 9 Legislative BodyMembers with PD/TL Industry Contribution (2010) Maximum Contribution Minimum Contribution Alabama Senate66 percent$8,100$500 Senate Banking and Insurance Committee 42 percent$8,100$1,000 Alabama House of Representatives 29 percent$6,500$500 House Financial Services Committee 78 percent$6,000$1,000

10. Data To Answer Questions: Which Members Get Money? AL Senate SenatorPD/TL Industry Contribution (2010) # Stores in District (2014) African Americans in District Relevant Position Held by Senator Roger Bedford, Jr. (D-6) $8,1002615%Member of Banking and Insurance Committee Bobby Singleton (D-24) $7,2003264% Scott Beason (R-17) $5,100216% Vivian Davis Figures (D-33) $5004571%Senate Minority Leader Joint Center for Political and Economic Studies 10

11. Data To Answer Questions: Which Members Get Money? AL House RepresentativePD/TL Industry Contribution (2010) # Stores in District (2014) African Americans in District Relevant Position Held by Representative Mike Hubbard (R-79) $6,500613%Speaker of House Lesley Vance (R-80) $6,000818%Chair of Financial Services Committee Oliver Robinson (D-58) $5,7501772%Member of Financial Services Committee Marcel Black (D-3) $4,5001924%Ranking Minority Member of Financial Services Committee Steve Hurst (R-35) $2,3502015%Member of Financial Services Committee Joint Center for Political and Economic Studies 11

12. Summary of Answers Payday lending/title loan industry contributed to many (but not all) AL state legislators whose districts include large numbers of payday stores. The industry also supports campaigns of legislators who hold leadership positions or serve on relevant committees (such as Senate Banking and Insurance, or House Financial Services). Joint Center for Political and Economic Studies 12

13. Using Answers to Shape Campaign Answers to questions discussed can help you decide who to approach and how ◦ In AL, the search for allies might be harder in Senate than in the House overall. ◦ However, when seeking allies on relevant AL legislative committees, the search might be easier within the Senate Banking and Insurance Committee than within the House Financial Services Committee. Joint Center for Political and Economic Studies 13

14. Data Sources Alabama Deferred Presentment Services Act (ADPSA) Licensees Database http://216.226.177.103/ADPSA_Licenses2.asp?VTI- GROUP=0&search=%25&submit1=Search http://216.226.177.103/ADPSA_Licenses2.asp?VTI- GROUP=0&search=%25&submit1=Search (Howard University Center on Race and Wealth compiled data and used GIS Software to prepare maps by legislative district in Alabama.) American Community Survey http://www.census.gov/acs/www/ for socioeconomic data at state levelhttp://www.census.gov/acs/www/ www.followthemoney.org for campaign contributions to candidates for state elections www.followthemoney.org www.legislature.state.al.us for information about legislators by district, political party, committee assignments, et al. www.legislature.state.al.us Joint Center for Political and Economic Studies 14