money

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Payday loans and churches: RNS delivers a fascinating trend piece with a familiar byline

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Several months ago, the Washington Post wrote about a debate over payday lending unfolding in the black church.

The Post described how African-American congregations had “become an unexpected battleground in the national debate over the future of payday lending.”

Unfortunately, I don’t think we ever ended up commenting on that piece here at GetReligion. It ended up in what we call our “guilt folders” — those stories we'd like to mention but for whatever reason never get around to.

But today offered a perfect excuse to bring up that past report: Religion News Service published a fascinating trend piece on churches nationwide using political pressure and small-dollar loans to fight predatory payday lending.

The compelling lede:

(RNS) — Anyra Cano Valencia was having dinner with her husband, Carlos, and their family when an urgent knock came at their door.

The Valencias, pastors at Iglesia Bautista Victoria en Cristo in Fort Worth, Texas, opened the door to a desperate, overwhelmed congregant.

The woman and her family had borrowed $300 from a “money store” specializing in short-term, high-interest loans. Unable to repay quickly, they had rolled over the balance while the lender added fees and interest. The woman also took out a loan on the title to the family car and borrowed from other short-term lenders. By the time she came to the Valencias for help, the debt had ballooned to more than $10,000. The car was scheduled to be repossessed, and the woman and her family were in danger of losing their home.

The Valencias and their church were able to help the family save the car and recover, but the incident alerted the pastoral duo to a growing problem: lower-income Americans caught in a never-ending loan cycle. While profits for lenders can be substantial, the toll on families can be devastating.

Now, a number of churches are lobbying local, state and federal officials to limit the reach of such lending operations. In some instances, churches are offering small-dollar loans to members and the community as an alternative.


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Does deductibility really influence church giving? Salt Lake Tribune skirts the question, sort of

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The fact that Americans who itemize their income tax deductions can also deduct their donations to the church, mosque, synagogue or (recognized) religious outpost of their choice is a cherished part of American taxation, something that's not true in all nations of the world.

Now, the latest tax reform proposal knocking around Congress may -- or may not -- put a dent in such deducting. If the "standard deduction" of $5,500 for individuals and $11,000 for married couples is doubled, as proponents want, the thinking goes, more folks will skip itemizing and just go with the higher number. No itemizing means less in the collection plate, they theorize.

But here's the journalistic question: Does a mere assertion mean something's a fact? Logic would say no, but sometimes a media outlet will seem to glide around logic for a compelling story. At the least, that's how it could look to a reader.

The Salt Lake Tribune, serving a state where returning tithe is mandatory for Mormons, dives right in to the charitable deduction issue, leading with a dramatic point:

A Republican tax plan being debated on Capitol Hill maintains the deduction for charitable giving but still may have an unintended consequence that could hurt donations to churches and nonprofit groups.
The impact of the tax bill — if passed and signed into law — could mean less revenue for the LDS Church and other denominations and faith-based organizations as well as groups like the Salvation Army, Goodwill and humanitarian operations.


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Honoring Harriet Tubman, a Methodist, Republican, evangelical woman for the ages

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Honoring Harriet Tubman, a Methodist, Republican, evangelical woman for the ages

After considerable backing and forthing, the Obama administration  announced April 20 that it will put Harriet Tubman on the front of the $20 bill. She’ll be the first African-American honored on U.S. currency, and one of very, very few women to be given this honor -- even briefly. Martha Washington and Pocahontas briefly held this distinction, and Susan B. Anthony dollar coins remain in circulation, but are no longer minted.

Tubman, the famed savior of slaves via the “underground railroad” and a Republican, supplants Democratic President Andrew Jackson, who’ll be relegated to the bill’s back along with the continuing White House image. The quip of the week prize goes to conservative economist and columnist John Lott, who tweeted: “On $20 bill, Ds replace Andrew Jackson, a founding father of D Party, w Harriet Tubman, a black, gun-toting, evangelical Xn, R woman.”

Also fast on the draw was Religion News Service, issuing “5 faith facts” about this devout Methodist in a format the wire has used to good effect with various 2016 candidates. The facts:

Tubman was nicknamed “Moses” after the biblical rescuer because she led  hundreds of slaves to freedom and attributed such bravery to faith in God. She experienced many vivid dreams and visions that she believed came from God.

Her favorite song in a personal hymnal she collected was “Swing Low, Sweet Chariot.” She believed that God directed her to go on the hunger strike that raised $20 to free her own parents from slavery. Her death-bed words in 1913 quoted Jesus Christ, “I go to prepare a place for you.”

It will be interesting to see how much the mainstream news-media coverage notes the powerful religious faith that drove this activist to glory.


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