Car Title Lending in 2026: Best States, Biggest Traps
Car title lending is still profitable in 2026, but enforcement is tighter. See the best states, the catches, and a compliance-first operator checklist.
New York STOP Act Kills Tip-Based Lending Models and Told the Entire “Tip-Based Lending” Industry to Drop Dead
The STOP Act is coming. And it’s not just New York’s problem. Here’s what happened: New York legislators introduced a bill that treats every dollar a consumer pays for a wage advance, tips, expedited fees, and membership charges as a finance charge. Slap those numbers into the APR formula, and suddenly the “no-interest” earned wage apps […]
Payday Loan Demand 2026: A 10% Credit Card APR Cap Would Be the Best Thing That Ever Happened to Subprime Lenders
Payday loan industry trends If Washington squeezes pricing power out of revolving credit, banks will not absorb the hit. They will change the rules. That is not speculation. That is how unsecured lending works. When you cannot price for risk, you stop taking it. President Trump has floated a one-year 10% cap on credit card […]
The Rule That Was Supposed to Save the Poor But Made Them Poorer
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
2026: Navigating the Texas Credit Access Business CAB & CSO: A Comprehensive Guide for CABs, CSOs, 3rd-Party Lenders, Regulators & Consumers
The personal lending landscape can be complex, filled with various regulations and guidelines that lenders must navigate. Texas, known for its robust economic environment, is no exception. Get your copy delivered immediately to your Inbox One option available to lenders in Texas is to operate under the Credit Access Business (CAB) / Credit Services Organization […]
Payday, Title, and Installment Loan Demand in 2026: Where Profits Are Headed
Is small-dollar loan demand still strong in 2026? See what the latest public data suggests about payday, title, installment, and line-of-credit loans, plus the underwriting and acquisition shifts that protect net profit.
Jer in the WallStreet Journal
Payday Lenders Join With Indian Tribes By: Jessica Silver-Greenberg OVERLAND PARK, Kan., From rows of cubicles beneath handwritten signs that say “CUSTOMER SERVICE IS AN ATTITUDE, NOT JUST A DEPARTMENT,” more than 150 employees at AMG Capital Services Inc. make loans and collect payments throughout the U.S.The Modoc chief said the payday-loan business is a […]
Online vs. Storefront Lending in 2026: Where Profits (and Pitfalls) Hide
Ever had that “big choice” moment, double down on your storefronts, or swing fully into digital? I was asked three times last week: “Jer, what’s really working in 2026, boots on the ground or all-in online?” Let’s get blunt. Every subprime loan operator staring down a margin squeeze or new compliance fire wants a silver […]
The Future of Car Title Loans: Risks, Rewards and Where Lenders Still Win
The future of car title loans is not about easy money. It is about whether you can manage risk, regulation, and reputation better than the next operator. Title lending is still profitable in the right states with the right model, but dabblers will get wiped out. In this guide, we will walk through where the […]