📝 Description

Research predatory financial services targeting vulnerable populations (payday lenders, title loans, rent-to-own, for-profit colleges). Map locations of such businesses within 2 miles of your campus or home. Investigate what regulations exist (or do not) in Texas compared to one other state. Analyze whether current laws adequately protect consumers and what role government should play.

Estimated Time: 2-3 hours

Category: Medium Effort Activity

📋 Requirements

  • Research at least 4 types of predatory financial services
  • Map locations within 2 miles of campus or home
  • Compare Texas regulations with one other state
  • Write a 400-word analysis

✅ Complete/Incomplete Rubric

Student receives full points when ALL criteria below are met:

Research and Mapping ✓

  • Four or more types of predatory services identified
  • Map shows locations within 2-mile radius
  • Map is annotated with business types
  • Original screenshot or hand-drawn map (not stock image)

Comparative Regulation ✓

  • Texas regulations on predatory lending documented
  • One other state's regulations documented for comparison
  • Specific legal differences identified
  • Sources cited

Analysis (400 words) ✓

  • Meets word count requirement
  • Evaluates current consumer protection landscape
  • Identifies specific gaps in protection
  • Takes a clear position on government's role
  • Connects to state vs. federal regulation concepts