Payday lending: America's unsecured loan market [Business Ethics Case Study, 5000 words]

In Alex Sager, Fritz Allhoff & Anand Vaidya (eds.), Business Cases in Ethical Focus. Toronto: Broadview Press (2019)
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Abstract

Case study for Business Ethics, 5000 words. Considers the state of the payday lending market in USA and Canada as of March 2018. Suitable for undergraduate or business school use. Includes the discussion of: Storefront and online payday lending in state/province and national contexts. Applicability of the concept of exploitation to payday lending. Alternatives to payday lending ("Payday Alternative Loans" provided through credit unions, and savings incentive programs that reduce demand for payday lending). U.S. government regulation of 2017 that was rescinded shortly before it was to have effects on business, specifically due to change of Presidential administration (January 2018). Class discussion questions. References.

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Eric Palmer
Allegheny College

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When and Why Usury Should be Prohibited.Robert Mayer - 2013 - Journal of Business Ethics 116 (3):513-527.
The Cost of Usury.Robert Mayer - 2013 - Business Ethics Journal Review:44-49.

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