{"id":12637,"date":"2018-02-05T16:54:00","date_gmt":"2018-02-05T16:54:00","guid":{"rendered":"https:\/\/www.commoncause.org\/articles\/payday\/"},"modified":"2018-02-05T16:54:00","modified_gmt":"2018-02-05T16:54:00","slug":"jour-de-paie","status":"publish","type":"article","link":"https:\/\/www.commoncause.org\/fr\/articles\/payday\/","title":{"rendered":"Jour de paie !"},"template":"","class_list":["post-12637","article","type-article","status-publish","hentry","article_type-blog-post"],"acf":{"details":{"summary":"The payday lending industry is gaining new freedom to exploit Americans who have weak credit and need quick cash.","featured_image":null,"article_type":1103,"authors":["{\"site_id\":\"1\",\"post_type\":\"person\",\"post_id\":8577}"],"related_issues":[137,2082],"related_work":false,"location":null},"sidebar":{"helper_enable_sidebar":false,"helper_media_contact":{"heading":"Media Contact","manually_enter_person":false,"person":null,"name":"","role":"","phone":"","email":""},"helper_links_downloads":{"heading":"Links & Downloads","links":null}},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":null,"component_wysiwyg":{"content":"

\u00ab L\u00e0 o\u00f9 l\u2019argent donne le ton, le grand public ne sera pas entendu. \u00bb<\/em><\/p>

\u2013 Le juge Stephen Breyer, McCutcheon c. Commission \u00e9lectorale f\u00e9d\u00e9rale<\/em>, 2014.<\/p>

Les pr\u00eateurs sur salaire, qui ont b\u00e2ti une activit\u00e9 lucrative autour de l'exploitation des personnes ayant un mauvais cr\u00e9dit et ayant besoin d'argent rapidement, jouent un r\u00f4le populaire dans le Washington de Donald Trump.<\/p>

Et cela porte ses fruits pour eux.<\/p>

Le New York Times rapporte aujourd'hui <\/a>qu'apr\u00e8s les investissements de l'industrie du pr\u00eat sur salaire dans les contributions de campagne (144 millions de livres sterling aux membres du Congr\u00e8s depuis 2010) et dans le lobbying (144 millions de livres sterling depuis 2010), l'administration Trump assouplit les r\u00e9glementations favorables aux consommateurs qui r\u00e9duisaient les marges b\u00e9n\u00e9ficiaires des pr\u00eateurs.<\/p>

\u00ab Richard Cordray, directeur du Bureau de protection financi\u00e8re des consommateurs, est parti \u00bb, rapporte le Times. \u00ab Il a impos\u00e9 des amendes et intent\u00e9 des poursuites judiciaires pour r\u00e9primer les pratiques commerciales usuraires d\u2019un secteur qui propose des pr\u00eats \u00e0 court terme \u00e0 taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s qui, selon ses d\u00e9tracteurs, enferment les consommateurs vuln\u00e9rables dans une boucle de r\u00e9troaction de l\u2019endettement. \u00c0 sa place, Mick Mulvaney, directeur du budget de la Maison Blanche et ancien membre du Congr\u00e8s de Caroline du Sud, a \u00e9t\u00e9 choisi par le pr\u00e9sident Trump pour assumer temporairement le contr\u00f4le du bureau et est devenu une sorte de chevalier blanc pour le secteur des pr\u00eats sur salaire. \u00bb<\/p>

Le Times note que Mulvaney a annul\u00e9 le projet du bureau de la consommation d'imposer des restrictions strictes sur les pr\u00eats sur salaire \u00e0 court terme. Il a \u00e9galement retir\u00e9 le bureau d'une affaire contre un groupe de pr\u00eateurs sur salaire du Kansas qui \u00e9taient accus\u00e9s d'avoir factur\u00e9 pr\u00e8s de 1 000 pour cent d'int\u00e9r\u00eat sur certains pr\u00eats. Ce matin, dans une autre gifle au bureau de la consommation, Reuters rapporte <\/a>Mulvaney a annul\u00e9 une enqu\u00eate sur la fa\u00e7on dont le bureau de cr\u00e9dit Equifax Inc. n'a pas r\u00e9ussi \u00e0 s\u00e9curiser les informations financi\u00e8res personnelles de millions d'Am\u00e9ricains qui \u00e9taient stock\u00e9es dans ses ordinateurs.<\/p>

Pour sceller leur relation amicale avec l'administration, les dirigeants de l'industrie du pr\u00eat sur salaire ont r\u00e9serv\u00e9 un grand nombre de chambres au Trump National Doral Golf Club de Floride pour une retraite de golf annuelle au printemps. Leur m\u00e9c\u00e9nat, comme celui d'autres groupes d'affaires, d'activistes r\u00e9publicains et de dignitaires \u00e9trangers qui sont devenus des clients r\u00e9guliers des propri\u00e9t\u00e9s appartenant \u00e0 Trump depuis l'entr\u00e9e en fonction du pr\u00e9sident l'ann\u00e9e derni\u00e8re, enrichira encore davantage le pr\u00e9sident milliardaire.<\/p>

Trump est la cible de plusieurs poursuites judiciaires l'accusant d'avoir viol\u00e9 la clause des \u00e9moluments de la Constitution, qui lui interdit g\u00e9n\u00e9ralement de recevoir des cadeaux ou des paiements de gouvernements \u00e9trangers.<\/p>

Dennis Shaul, directeur g\u00e9n\u00e9ral de la Community Financial Services Association of America, principal groupe de pression du secteur, a d\u00e9clar\u00e9 au Times qu'apr\u00e8s les tentatives de l'administration Obama de contr\u00f4ler les pratiques de pr\u00eat des pr\u00eateurs, \u00ab nous nous trouvons dans une p\u00e9riode relativement passive. Je pense qu'il est judicieux de tirer un trait sur le pass\u00e9 et d'essayer d'aller de l'avant \u00bb.<\/p>

###<\/p>

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