<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><br class="Apple-interchange-newline"><blockquote type="cite"><span class="Apple-style-span" style="border-collapse: separate; font-family: Helvetica; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; font-size: medium; "><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><blockquote type="cite"><table align="center" border="0" cellpadding="0" cellspacing="0" width="620"><tbody><tr><td bgcolor="#FFFFFF" colspan="2"><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19571&qid=1047628"><img border="0" height="102" src="http://npa-us.org/sites/all/themes/npa/images/header_email.png" width="600"></a></td><td bgcolor="#046fa0" rowspan="5" width="10" style="border-right-width: 1px; border-right-color: rgb(133, 178, 199); border-right-style: solid; "> </td></tr><tr><td bgcolor="#FFFFFF" colspan="2" style="padding-left: 20px; padding-top: 35px; padding-right: 20px; padding-bottom: 20px; font-size: 15px; line-height: 18px; font-family: Arial, Helvetica, sans-serif; "><table align="right" width="140" style="text-align: center; margin-top: 0px; margin-left: 15px; margin-bottom: 5px; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(133, 178, 199); border-right-color: rgb(133, 178, 199); border-bottom-color: rgb(133, 178, 199); border-left-color: rgb(133, 178, 199); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; "><tbody><tr><td colspan="1" style="text-align: center; font-style: normal; font-size: 13px; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; font-weight: normal; text-decoration: none; color: rgb(51, 51, 51); line-height: 13px; "><a https:="" npa.ourpowerbase.net="" sites="" all="" modules="" civicrm="" extern="" url.php?u="19572&qid=1047628"><img border="0" height="149" src="http://npa-us.org/files/images/cfpb.jpg" vspace="5" width="163"></a><br>Wells Fargo and US Bank are targeting older Americans on fixed incomes with their in-house payday loans.<br><br><strong>Tell the CFPB: banks need to STOP preying on older Americans!</strong><br><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19573&qid=1047628"><img alt="Submit a comment to the CFPB" border="0" src="http://www.npa-us.org/files/images/submit-a-comment.png" vspace="5"></a></td></tr></tbody></table>Carrie,<br><br>Big bank payday lenders like Wells Fargo and US Bank are targeting older Americans on fixed incomes with their in-house payday loans.<br><br>These loans carry triple digit interest rates and, like storefront payday loans, trap people in destructive debt cycles. According to recent research by the Center for Responsible Lending, nearly 1 one 4 big bank payday customers are Social Security recipients, with the banks automatically stripping repayment and fees off of the deposited benefits<sup>1</sup>.<br><br>But we can stop banks from preying on older Americans by all of us raising or voices and<span class="Apple-converted-space"> </span><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19573&qid=1047628" style="color: rgb(1, 101, 153); ">submitting comments to the Consumer Financial Protection Bureau (CFPB)</a>.<br><br><strong>The CFPB has opened a comment period</strong> and is looking for information from the public on what kinds of unfair, fraudulent or deceptive financial practices older Americans are facing.<br><br>The CFPB, which we won from Congress, is the only financial regulator that's charged with looking out for consumers, not the bottom line of the banks. They've been up and running for a year now and we need them to act. This comment window is an opportunity for us to tell the CFPB they need to stand up for people over bank profits and force the banks out of payday lending.<br><br>Please -<span class="Apple-converted-space"> </span><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19573&qid=1047628" style="color: rgb(1, 101, 153); ">Send a comment to CFPB today</a>, and forward to your friends, colleagues and family members. Sample comments are below.<br><br><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19573&qid=1047628" style="color: rgb(1, 101, 153); ">http://www.regulations.gov/#!submitComment;D=CFPB-2012-0018-0001<br></a><br>Here are a couple sample comments that you can pull from for your comment:<br><h2>Sample #1</h2><em>I am submitting a comment in response to the CFPB's call for information on the financial security of older Americans, and specifically in response to question #7 and #8.<br><br>Big bank payday lending is virtually indistinguishable from storefront payday lending; it carries the same triple digit interest rates and the same long-term indebtedness that has led over a dozen states to outlaw or restrict it and led Congress to ban it for military families, but it differs in one crucial way. By hiding under the National Bank Act, big banks are able to skirt state law and many are getting around military family restrictions as well.<br><br>The CFPB needs to use all the tools it has to get big banks out of the bad business of payday lending. It's hurting our seniors, our families and our entire communities.</em><br><br><h2>Sample #2</h2><em>I am submitting a comment in response to the CFPB's call for information on the financial security of older Americans, and specifically in response to question #7 and #8.<br><br>A major threat to the financial security of older Americans is the continued existence of predatory big bank payday lending. Banks like US Bank, Wells Fargo, Regions and 5th/3rd Bank appear to be targeting seniors for their in-house payday loans. These abusive and unfair products must be immediately discontinued.<br><br>The CFPB should use all the supervisory and enforcement tools it has available to stop big bank payday from entrapping seniors and the public as a whole.<br></em><br><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19573&qid=1047628" style="color: rgb(1, 101, 153); "><strong>Submit your comment today!</strong></a><br><br>Thanks for all you do,<br><br>Jordan, Amanda, Veronica and the rest of the NPA Team<br><br>Source: <br><sup>1</sup> <a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19579&qid=1047628" style="color: rgb(1, 101, 153); ">www.responsiblelending.org/payday.../big-bank-payday-loans.pdf</a><br><br><strong><em>connect with us</em></strong><br><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19574&qid=1047628" target="_blank"><img border="0" height="26" src="http://showdowninamerica.org/files/ealert/facebook.jpg" width="26" style="padding-right: 5px; "></a><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19575&qid=1047628" target="_blank"><img border="0" height="26" src="http://showdowninamerica.org/files/ealert/twitter.jpg" width="26" style="padding-right: 5px; "></a><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19576&qid=1047628" target="_blank"><img border="0" height="26" src="http://showdowninamerica.org/files/ealert/flickr.jpg" width="26" style="padding-right: 5px; "></a><a href="https://npa.ourpowerbase.net/sites/all/modules/civicrm/extern/url.php?u=19577&qid=1047628" target="_blank"><img border="0" height="26" src="http://showdowninamerica.org/files/ealert/youtube.jpg" width="26"></a><br><br>9,949 people like NPA on Facebook. 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