Washington, DC Washington, DC The Honorable Duncan L. Hunter The Honorable Ike Skelton Ranking Minority Member
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1 July 26, 2006 Updated August 10, 2006 The Honorable John Warner The Honorable Carl Levin Chairman Ranking Member U.S. Senate U.S. Senate Washington, DC Washington, DC The Honorable Duncan L. Hunter The Honorable Ike Skelton Chairman Ranking Minority Member U.S. House of Representatives U.S. House of Representatives Washington, DC Washington, DC Re: Support Talent/Nelson Amendment to S Defense Authorization 2007 Dear Senators and Representatives: The undersigned veterans, civil rights, and consumer organizations throughout the country write to ask for your support of the Talent/ Bill Nelson anti-predatory lending amendment adopted by the Senate as part of the Defense Authorization bill (S. 2766). The Military Coalition s thirty-six veterans and military groups also support this amendment (see attached.) We need your help in protecting military families from companies that target them with exorbitantly priced loans. Predatory lending harms military readiness, placing a severe strain on military families including enlisted personnel, reservists and the National Guard and unnecessarily distracts officers and non-commissioned officers who should be focusing on their military mission. The Talent/Nelson amendment would cap interest rates at 36 percent annually for loans made to military families. If it is included in the 2007 Defense Authorization Conference Report, this important amendment would protect service members who obtain loans after they have enlisted or been mobilized, closing a major loophole in the Service Members Civil Relief Act. It also treats all lenders equally, no matter what type of loan they offer. It is abundantly clear to anyone visiting a military town, from Norfolk, Virginia to San Diego, California that high-cost lenders cluster around military bases. Predatory lenders trap borrowers in a cycle of unaffordable debt and place essential family assets at risk. Payday lenders, for example, offer loans starting at almost 400 percent annual interest that must be repaid on the next payday, or the lender will deposit and bounce the check the service member has written to secure the loan. To avoid this problem, many borrowers roll over payday loans repeatedly. Title loan companies charge an average 300 percent annual interest for loans secured by the title to a Service member s vehicle. If not repaid at the end of the month, lenders can repossess the family s means of transportation.
2 Many state laws are not applied to non-residents, including service members. By enacting a federal rate cap, the Talent/ Nelson amendment would improve military readiness and protect all military personnel from rate gouging. Sincerely, VADM Norb Ryan, Jr., USN (Ret) Military Officers Association of America John R. Davis Fleet Reserve Association Wade Henderson Leadership Conference on Civil Rights Hilary O. Shelton NAACP Washington Bureau Beatriz Ibarra National Council of La Raza Travis Plunkett Jean Ann Fox Consumer Federation of America Mike Calhoun Center for Responsible Lending Susanna Montezemolo Consumers Union Maud Hurd ACORN Edmund Mierzwinski US Public Interest Research Group Ira Rheingold National Association of Consumer Advocates Lauren K. Saunders National Consumer Law Center, On behalf of its low income clients 2
3 Monica Gonzalez National Community Reinvestment Coalition Linda Sherry Consumer Action Derek Douglas Center for American Progress Steve Cleary Alaska PIRG (AK) Phyllis Rowe Arizona Consumers Council (AZ) Karin Uhlich Southwest Center for Economic Integrity (AZ) Kimble Forrister Alabama Arise (AL) H. C. Hank Klein Arkansans Against Abusive Payday Lending (AR) Rosemary Shahan Consumers for Auto Reliability and Safety (CA) Alan Fisher California Reinvestment Coalition (CA) Michael Shames Utility Consumers Action Network (San Diego, CA) Beth Givens Privacy Rights Clearinghouse (San Diego, CA) Richard Holober Consumer Federation of California (CA) Brad Ashwell Florida Public Interest Research Group (FL) Bill Newton Florida Consumer Action Network (FL) 3
4 Lynn Drysdale Jacksonville Area Legal Aid, Inc. (FL) Julie Sampson Msgr. John Egan Campaign for Payday Loan Reform (IL) Lynda DeLaforgue Citizen Action/Illinois (IL) Dan McCurry Chicago Consumer Coalition (IL) Anne Marie Regan Office of Kentucky Legal Services Programs (KY) Andrew Galli Maryland Consumer Rights Coalition (MD) Paul J. Schlaver Massachusetts Consumers Coalition (MA) Barbara Buckley Assembly Majority Leader Nevada State Assembly (NV) Dan L. Wulz Clark County Legal Services Program, Inc. (NV) Jon Sasser Nevada Lawyers for Progressive Policy (NV) Bob Fulkerson Progressive Leadership Alliance of Nevada (NV) Peter Skillern Community Reinvestment Association of North Carolina (NC) Sue Berkowitz SC Appleseed Legal Justice Center (SC) Randy Chapman Texas Legal Services (TX) F. Scott McCown Center for Public Policy Priorities (TX) 4
5 Linda Hilton Coalition of Religious Communities (UT) James W. (Jay) Speer Virginia Poverty Law Center (VA) Helen O Beirne Virginia Partnership to Encourage Responsible Lending (VA) Steve Meili Consumer Law Litigation Clinic at the University of Wisconsin Law School (WI) Jim Brown Wisconsin Consumers League (WI) cc: Members of the Senate Members of the House Members of the House Committee on Veterans Affairs 5
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