Why don’t we have laws that protect us from predatory lending?

Faith Communities Unite for Democracy Reform

In 2014, Kathy Lutz needed open heart surgery. To cover the medical costs and travel from Springfield to St. Louis, Kathy took out a title loan and four payday loans. Then she spent years trapped in the debt cycle.


“We gave up hope. Triple digit interest rates are impossible. Our government passes laws all the time to protect us. Why don’t we have legislation that protects us from predatory lending?”


Unfortunately, it is all too clear. When payday lenders spend over $1.5 million on our Missouri legislature, our legislators choose campaign contributions over our families.


No matter what political party you support, this is not right. A democracy with unlimited campaign contributions and lobbyist gifts gives wealthy donors and lobbyists too much control and influence over our state government.


We believe our Missouri democracy works best when candidates have to win votes, debate the issues, and represent their constituents.


That’s why Kathy, a member of Life 360 Church, and people of faith across Missouri are working to advance a statewide democracy reform ballot initiative that will help get money out of politics.

This initiative will:

  • lower campaign contribution limits for state legislative candidates
  • eliminate almost all lobbyist gifts in the General Assembly
  • require politicians to wait two years before becoming lobbyists
  • ensure that neither political party is given an unfair advantage when new maps are drawn after the next census, by asking a nonpartisan expert to draw fair legislative district maps, which would then be reviewed by a citizen commission

Triple dignity interest rates are immoral. They should be illegal. Will you join Kathy in collecting signatures so we can get payday money out of politics? 

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