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0% Introductory Promotion: 0% Introductory APR for 12 billing cycles from account opening on purchases and balance transfers posted to your account during the first four billing cycles following the opening of your account. After end of fourth billing cycle, promotional APR will return to the standard APR between 8.90%-18.00%. APR not to exceed 18.00%. Balance transfers between Xplore accounts are not eligible for promotional rate. Any Member that currently has a Visa Account with Xplore FCU are not eligible for this promotion. Not available on Shared Secured Visa. Balance transfer and cash advance fees are $5.00 or 2.00% of the amount of each transaction, whichever is greater. Rates, terms and conditions are subject to change without notice. Credit card approval depends on creditworthiness and other qualifications. Some restrictions may apply.

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Lost/Stolen Line – Call this number when your debit or credit card has been lost or stolen. Your card will be deactivated and a new card sent https://www.1hrtitleloans.com/payday-loans-de out to you.

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Support stronger payday-loan protections

Compliments to the Orlando Sentinel for its Sunday editorial for again picking up the banner in support of payday-loan protections.

Under heavy lobbying from the payday-loan industry, the Florida Legislature is debating weakening an already porous law that limits regulation on non-bank short-term loan companies. These loans are typically given to people with lower incomes in small amounts for a few weeks to cover expenses. The loans come with a high interest rate at a hefty price. The Legislature is considering allowing the loan amounts expanded and payback periods extended. Annualized interest rates could again exceed 200 percent.

Ask yourself, “Would I take out a loan with an annual interest rate of even a quarter of that amount?”

But before answering, let’s review a little history.

In 1995, the Florida Legislature liberalized the loan industry to have nonbanks loan money to perform short-term loans with paycheck and auto-title guarantees. In a few short years, the payday-loan industry expanded exponentially with confusing loan schemes and incomprehensible terms targeting nonfinancially sophisticated low-income earners. Already in financial trouble, either through their own fault or no fault of their own, many of these customers would fall prey to these loans with high interests and penalties setting up a debt spiral. Annualized interest rates exceeded 240 percent.

So pleased was Gov. Jeb Bush with the local effort, he chose to sign the legislation in the Seminole County Commission Chambers in the summer of 2001.

The Seminole County Commission, seeing these payday-loan stores pop up like mushrooms in tawdry shopping centers near disadvantaged neighborhoods, took action by passing a regulatory ordinance in 2000 controlling the industry’s most egregious tactics. We realized the industry was targeting young members of the military, lower-income individuals and the under-educated in the community. The ordinance was passed with an effective date after the end of the next Florida Legislative calendar in hopes to prod the lawmakers into action. Other Florida counties started their own ordinance reviews.

Latest Opinion

Our local legislative delegation, led by then-Sen. Lee Constantine, rose to the occasion, sponsoring successful legislation to reel in the industry statewide. It wasn’t an easy fight; however, with the Orlando Sentinel’s educational editorial series and bipartisan backing, the payday-lending law was passed. So pleased was Gov. Jeb Bush with the local effort, he chose to sign the legislation in the Seminole County Commission Chambers in the summer of 2001.

The action 17 years ago was a positive example of government “home rule” in action. This is where you allow experimentation in local cities and counties to address needs affecting their citizens, allowing for the state as whole to benefit. Just as Washington, D.C., certainly does not have all of the answers to Florida’s challenges, neither does Tallahassee have all of the answers for our local communities.

In case of payday lending, it is my hope Tallahassee does not repeat the errors of the past, by taking backward steps, putting some of our more vulnerable citizens at risk.

Randy Morris, principal with RM Strategies Inc., is a former Seminole County commissioner.

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