Lauren Saunders

New app-based programs resemble payday loans, often trapping users in a pattern of fee-based transactions while demanding "tips" that cost some consumers hundreds of dollars per year.

States need to think twice about allowing earned wage advance programs. They look increasingly like predatory lending.

Why are credit unions lending their name to this fight when the vast majority of them do not use forced arbitration and have not been caught up in Wall Street’s excesses?

Piecemeal settlement through mandatory arbitration masks widespread misconduct like Wells Fargo’s fake-accounts scandal. Class actions bring such systemic abuses to light, and should always be an option for consumer redress.

Prepaid card users have waited a long time for the basic protections that debit card customers take for granted. Congress should not throw them under the bus.