The Forever Debt: Payday Loans & Predatory Lending | deep dive$ @CamJames
The Forever Debt: Payday Loans & Predatory Lending | deep dive$  @CamJames
Uploaded January 2024 | Updated September 2026, 4 days ago
Blowin' my payday loan in Gucci, y'all want somethin'?

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Songs/Beats (In Order):
1. Ludacris - Area Codes ft. Nate Dogg
2. Cam James - 2Sides
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4. Cam James - Never Talk
5. Drake - Worst Behavior
6. Kali Uchis - Fantasy ft. Don Toliver
7. Syd - Over ft. 6LACK
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Chapters:
0:00 Intro
1:32 Payday Loan?
2:29 TitleMax Tour
3:50 Area Codes
6:57 Legal Loan States
7:27 The Worst Behavior
11:17 Fantasy
14:32 Solutions
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Sources:
1. Community Financial Services Association of America: cfsaa.com/facts

2. WFAA ABC 8: “Wells Fargo, other banks finance predatory lenders”: wfaa.com/article/news/diabolical-and-wrong-wells-fargo-other-banks-finance-predatory-lenders-that-can-charge-over-400-interest-in-minority-communities/287-f84efb8d-0936-443e-97ad-493776cc153f

3. Georgia Attorney General Consumer Protection Division, “Payday Loans”: consumer.georgia.gov/consumer-topics/payday-loans#:~:text=Payday%20loans%20are%20generally%20illegal,qualify%20for%20exemption%20from%20licensure

4. Payday loans can have interest rates over 600%, CNBC Make It: cnbc.com/2021/02/16/map-shows-typical-payday-loan-rate-in-each-state.html#:~:text=Texas%20has%20the%20highest%20payday,payday%20loan%20rates%20at%20677%25

5. TitleMax fined $15M for predatory lending to soldiers’ families: gpb.org/news/2023/02/27/titlemax-fined-15-million-for-predatory-lending-soldiers-families

6. Omni Calculator (Payday Loans): omnicalculator.com/finance/payday-loan

7. States Where Payday Loans Are Legal: paydayloaninfo.org/state-information/#:~:text=Payday%20loan%20states%20include%3A%20Alabama,Washington%2C%20Wisconsin%2C%20and%20Wyoming

8. Texas State & Local Loan Data: texasfairlending.org/state-local-data-1

9. Use of Public Pandemic Aid by Texas Payday & Auto Title Loan Businesses: texasappleseed.org/sites/default/files/PPP_Report_01_31-FinalFin.pdf

10. “How Can I Stop A Payday Lender…” Consumer Financial Protection Bureau: consumerfinance.gov/ask-cfpb/how-can-i-stop-a-payday-lender-from-electronically-taking-money-out-of-my-bank-or-credit-union-account-en-1605

11. WTOC 11 Savannah: Former TitleMax employee discusses sales practices: wtoc.com/2023/08/25/end-day-its-about-money-former-titlemax-employee-discusses-sales-practices

12. Protecting People from Discriminatory Targeting, CFPB: consumerfinance.gov/about-us/blog/protecting-people-from-discriminatory-targeting
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The Forever Debt: Payday Loans & Predatory Lending | deep dive$

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