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Loan-Shark-Financed Campaigns Threaten Payday-Loan Reform
Loan-Shark-F inanced Loan-Shark-F inanced CCaammppaaiiggnnss TThh rreeaatteenn PPaayyddaayy--LLooaann RReeffoorrmm Texans for Public Justice ** www.tpj.org ** March 2011 Loan-Shark-Financed Campaigns Threaten Payday-Loan Reform Did all I can do and I can't get along with you. I'm gonna take you to your mama, pay day. –Mississippi John Hurt The unregulated industry that gouges working-class Texans with obscene interest rates on small loans again is fighting proposed regulations. Although Texas prohibits usurious interest rates, the industry dodges these protections by organizing as unregulated middlemen. These so-called “credit service organizations” link borrowers to lenders who are subject to interest rate caps. When the unregulated middlemen tack on their exorbitant fees, however, loans secured by paychecks or car titles can carry annual effective interest rates exceeding 1,000 percent. Texas now has more than 3,000 outlets for these lucrative loans, with pawnshops and even rental centers getting into a piece of the action. Fantastic returns are worth defending. Just in the two-year 2010 election cycle the industry contributed $1,369,542 to Texas politicians. If the payday industry lent out this same $1.4 million at 1,000 percent interest over the two-year election cycle, it could have grossed $166 million. That’s how much these lenders care about their loophole. Democratic Senator Wendy Davis has led attempts to regulate the industry. Her Senate Bill 253 would eliminate the loophole for credit service organizations, subjecting them to state usury laws and prohibiting fee-intensive rollovers of these loans. Jay Shipowitz, president of Irving-based Ace Cash Express, recently testified that, “If this bill is passed, we will be forced to shut our stores in Texas.”1 Five other lawmakers, including former Speaker Tom Craddick, have introduced similar reform bills.2 Republican Rep. -
Election Summary
Page 1 of 4 SUMMARY REPT-GROUP DETAIL RUN DATE:12/01/09 03:55 PM TOTAL VOTES % ELECTION DAY EARLY VOTING PRECINCTS COUNTED (OF 21) . 21 100.00 REGISTERED VOTERS - Total . 39,008 BALLOTS CAST - Total. 20,498 13,646 6,852 VOTER TURNOUT - Total . 52.55 US Representative Dist 25 DISTRICT 25 VOTE FOR 1 Grant Rostig(REP). 3,743 33.08 2,252 1,491 Lloyd Doggett(DEM) . 6,853 60.56 4,296 2,557 Brian Parrett(IND) . 290 2.56 209 81 Barbara Cunningham(LIB). 430 3.80 287 143 Straight Party VOTE FOR 1 REPUBLICAN PARTY (REP) . 2,010 45.61 1,226 784 DEMOCRATIC PARTY (DEM) . 2,330 52.87 1,406 924 LIBERTARIAN PARTY (LIB). 67 1.52 51 16 United States Senator VOTE FOR 1 Kay Bailey Hutchison(REP) (REP) . 9,275 54.70 6,007 3,268 Barbara Ann Radnofsky(DEM) (DEM). 7,011 41.35 4,473 2,538 Scott Lanier Jameson(LIB) (LIB) . 670 3.95 480 190 US Representative Dist 10 DISTRICT 10 VOTE FOR 1 Michael T. McCaul(REP) (REP) . 2,318 46.58 1,579 739 Ted Ankrum(DEM) (DEM) . 2,378 47.79 1,653 725 Michael Badnarik(LIB) (LIB) . 280 5.63 222 58 Governor VOTE FOR 1 Rick Perry(REP) (REP) . 5,216 30.49 3,234 1,982 Chris Bell(DEM) (DEM) . 5,709 33.37 3,621 2,088 James Werner(LIB) (LIB). 156 .91 110 46 Carole Keeton Strayhorn(IND) . 2,962 17.31 1,922 1,040 Richard "Kinky" Friedman(IND). -
BARBARA ANN RADNOFSKY [email protected]
1 BARBARA ANN RADNOFSKY [email protected] EXPERIENCE & EDUCATION: Nominee, Texas Democratic Party, State Attorney General 2010. Nominee, Texas Democratic Party, United States Senate 2006. (Winner, March Statewide Primary and April Statewide Runoff Elections, 2006) Vinson & Elkins, L. L. P. Houston, Texas (Associate 1979-1987; Partner 1987-2006). Head of Section, Alternate Dispute Resolution University of Texas School of Law, Doctor of Jurisprudence with Honors (May 1979) Albert Jones Scholar; Chairman, U.T. Board of Advocates; Fraternity: Order of the Barristers; Internship: Travis County Public Defender University of Houston, Bachelor of Arts, magna cum laude (May 1976) National Merit 4 year Academic Scholarship Languages: English, Spanish EXECUTIVE SUMMARY: Practicing on both sides of the docket, BarbaraRadnofsky has been listed since 1991 in “Best Lawyers in America." She’s listed in multiple areas, on both sides of the docket, including ADR, mediation, arbitration, medical malpractice, personal injury, and health care law . An attorney since 1979, she is a mother of three, wife, teacher, and mediator. After 2006 retirement from Vinson & Elkins at age 49, she became the first woman in history to serve as the Texas Democratic U.S. Senate nominee. Barbara was the first woman at Vinson & Elkins to have children as an associate and attain partnership. She has served as lead counsel in jury trials involving commercial disputes, professional liability, tax, contractual indemnity, false arrest, malicious prosecution, assault, premises liability, insurance defense matters, pedestrian and auto accidents, Section 1983 Civil Rights disputes, worker's compensation matters, and products liability; argued successfully before the Fifth Circuit on pro bono prisoner's rights and torts matters; conducted appeals there, and in Texas state appellate courts; and represented clients in Congressional hearings and administrative tribunals. -
Cumulative Report — Official
Cumulative Report — Official Montgomery County, Texas — JOINT ELECTION — November 07, 2006 Page 1 of 11 11/16/2006 01:21 PM Total Number of Voters : 81,970 of 225,179 = 36.40% Precincts Reporting 85 of 85 = 100.00% Party Candidate Early Election Total Straight Party, Vote For 1 Republican 12,764 78.91% 17,499 77.66% 30,263 78.18% Democratic 3,287 20.32% 4,701 20.86% 7,988 20.64% Libertarian 125 0.77% 334 1.48% 459 1.19% Cast Votes: 16,176 50.60% 22,534 45.07% 38,710 58.50% United States Senator, Vote For 1 REP Kay Bailey Hutchison 23,580 75.81% 37,013 76.32% 60,593 76.12% DEM Barbara Ann Radnofsky 6,843 22.00% 10,073 20.77% 16,916 21.25% LIB Scott Lanier Jameson 682 2.19% 1,409 2.91% 2,091 2.63% Cast Votes: 31,105 97.29% 48,495 96.99% 79,600 98.15% United States Representative, District 8, Vote For 1 REP Kevin Brady 23,301 75.48% 36,464 75.67% 59,765 75.60% DEM James "Jim" Wright 7,568 24.52% 11,723 24.33% 19,291 24.40% Cast Votes: 30,869 96.55% 48,187 96.38% 79,056 97.76% Governor, Vote For 1 REP Rick Perry 16,682 52.94% 24,384 49.45% 41,066 50.81% DEM Chris Bell 4,889 15.52% 6,811 13.81% 11,700 14.48% LIB James Werner 161 0.51% 291 0.59% 452 0.56% IND Carole Keeton Strayhorn 5,506 17.47% 8,280 16.79% 13,786 17.06% IND Richard "Kinky" Friedman 4,262 13.53% 9,543 19.35% 13,805 17.08% James "Patriot" Dillon (W) 10 0.03% 3 0.01% 13 0.02% Cast Votes: 31,510 98.56% 49,312 98.63% 80,822 99.16% Lieutenant Governor, Vote For 1 REP David Dewhurst 22,667 73.38% 35,559 73.53% 58,226 73.47% DEM Maria Luisa Alvarado 6,624 21.44% 10,021 20.72% 16,645 -
Speaker Biographies
Speaker Biographies Ope Adebanjo ’20, Student, Harvard Law School Ope Adebanjo is a second year JD Candidate at Harvard Law School. She graduated from Harvard College in 2015 and majored in Comparative Literature and African Studies, with a minor in Sociology and a citation in Yoruba. Ope worked as an operations supervisor at McMaster-Carr Supply Company in Atlanta GA, managing teams of e-commerce and sales representatives and managing warehouse projects and operations during her time before law school. She also has her Masters in International Business from J. Mack Robinson College of Business at Georgia State University. As a HLS student, Ope is interested in intellectual property law and international business law with a focus on the intersection of policy and technology. Kendra Albert ’16, Clinical Instructional Fellow, Cyberlaw Clinic, Harvard Law School Kendra is a clinical instructional fellow at the Cyberlaw Clinic at Harvard Law School, where they teach students how to practice law by working with pro bono clients. Previously, they were an associate at Zeitgeist Law PC, a boutique technology law firm in San Francisco, and a research associate at the Berkman Klein Center for Internet and Society. Kendra’s scholarship and academic work touches on diverse issues, from online harassment to linkrot to video game preservation. They hold a JD cum laude from Harvard Law School and a bachelor’s degree in lighting design and history from Carnegie Mellon University. Julie Anna Alvarez ’88, Director of Alumni and International Career Services, Columbia Law School Julie Anna Alvarez is the Director of Alumni and International Career Services at Columbia Law School’s Office of Career Services and Professional Development. -
R~I------Commissioner, District No.2
COURT ORDER 6)i\fG, ] ORDER NO: I" tl JL <v _t DATE: November 16, 2012 STATE OF TEXAS § COUNTY OF DALLAS § BE IT REMEMBERED, at a special meeting of the Commissioners Court of Dallas County, Texas, held on the _~1",6",th,,-___ day of November , 2012, on motion made by Jolm Wiley Price, Commissioner of District 113 , and seconded by Clay Lewis Jenkins, Dallas County Judge , the following Order was adopted: WHEREAS, THE MATTER TO BE CONSIDERED IS THE CANVASSING OF THE RESULTS OF THE GENERAL ELECTION HELD ON NOVEMBER 6, 2012, (Election) for the purpose of electing presidential electors, a U.S. Senator, Members of Congress, state and district officers, Members ofthe Texas Legislature, County officers, and district officers RESULTS BEING AS FOLLOWS: SEE ATTACHED COPY WHEREAS, the Commissioners Court wishes to ratifY the appointments made by and the actions taken by the Dallas County Elections Administrator (the "Elections Administrator") with respect to the Election; and IT IS THEREFORE ORDERED, ADJUDGED AND DECREED by the Commissioners Court of Dallas County, Texas, that the returns be certified and reported to the Texas Secretary of State in accordance with the Texas Election Code and the actions taken by the Elections Administrator are hereby ratified and affinned. ",,,,',-"wURT this the --,1",6",th,,-__ day of-""'-"''''''''1'''''''--_--' 2012. ~M~~a~U~ri~n;e~.~~~~~~~~~7M-i~k-e~~~:~:tr~E~:r~I------- Commissioner, District No.2 ABSENT Dr. Elba Garcia Commissioner, District NO.4 Toni Pippins-Poo e, lections Administrator SUMMARY REPT·GROUP DETAIL 2012 General Election UNOFFICIAL RESULTS November 6, 2012 Dallas County, Texas Run Date:11/14/12 12:36 AM Report EL45A Page 001 TOTAL VOTES t EV In Person EV_Mail Election Day EV_ED Prov EO ADA PRECINCTS COUNTED (OF 1000) 1.000 100.00 REGISTERED VOTERS . -
Texas Pacs: 2012 Election Cycle Spending
Texas PACs: 2012 Election Cycle Spending Main Report I. Total Texas PAC Spending 1. II. Business, Ideological & Labor PACs 2. III. Top Business PAC Categories 4. Energy & Natural Resources PACs 5. Lawyers & Lobbyists PACs 9. Health PACs 11. Special Sections Real Estate PACs 14. IV. Ideological & Single-Interest PACs 16. Fast-Growth PACs 8. V. Top Labor PACs 24. Dark-Money Sorcerers 20. VI. Specific-Purpose PACs 25. Top New PACs 22. VII. Texas’ Biggest PACs 27. Shrinking PACs 23. VIII. Notes 32. Extinct PACs 24. Texans for Public Justice is a non-profit, non-partisan advocacy and research organization that tracks the role of money in Texas politics. © Copyright Texans for Public Justice, October 2013 Austin, TX 78701 (512) 472-9770 [email protected] www.tpj.org I. Total Texas PAC Spending The bulk of this report identifies and ranks Texas’ top general-purpose political action committees (PACs) in the 2012 election cycle (one chapter also analyzes special-purpose PACs). Rankings are based on the total expenditures that PACs electronically reported to the Texas Ethics Commission. During the two-year election cycle ending in December 2012, 1,364 general-purpose PACs reported expenditures.1 There were more PACs active in 2012 than any other election over the past decade. Yet those PACs spent $126 million, a 5 percent decrease from the 2010 gubernatorial election cycle. PACs typically dig deeper in gubernatorial election years to influence the elections of a bumper crop of statewide officeholders. 2012 PAC spending increased 6 percent over the preceding non-gubernatorial election in 2008. PAC Spending Spikes in Gubernatorial Election Years Election No. -
November 2012, General Election
Texas Secretary of State John Steen Race Summary Report Unofficial Election Tabulation 2012 General Election November 6, 2012 President/Vice-President Early Provisional Ballots: 9,036 Total Provisional Ballots: 38,207 Precincts Reported: 9,150 of 9,150 100.00% Early Voting % Vote Total % Delegates Mitt Romney/ Paul Ryan REP* 2,975,604 59.26% 4,555,857 57.20% Barack Obama/ Joe Biden - Incumbent DEM* 1,993,636 39.71% 3,294,482 41.36% Gary Johnson/ Jim Gray LIB* 39,601 0.79% 88,111 1.11% Jill Stein/ Cheri Honkala GRN* 11,523 0.23% 24,450 0.31% Avery Ayers/ Alejandrina Cabrera W-I* 54 0.00% 324 0.00% Stewart Alexander/ Alex Mendoza W-I* 32 0.00% 87 0.00% Thaddaus Hill/ Gordon F. Bailey W-I* 21 0.00% 65 0.00% Virgil Goode/ Jim Clymer W-I* 237 0.00% 804 0.01% Tom Hoefling/ Jonathan D. Ellis W-I* 63 0.00% 173 0.00% Andre N. Barnett/ Kenneth R. Cross W-I* 10 0.00% 42 0.00% Rocky Anderson/ Luis J. Rodriguez W-I* 120 0.00% 273 0.00% Registered Voters: 13,646,226 Total Votes Cast 5,020,901 36.79% Voting Early 7,964,668 58.37% Voting U. S. Senator Early Provisional Ballots: 9,036 Total Provisional Ballots: 38,207 Precincts Reported: 9,150 of 9,150 100.00% Early Voting % Vote Total % Ted Cruz REP* 2,959,043 58.13% 4,456,654 56.63% Paul Sadler DEM* 2,017,224 39.63% 3,183,359 40.45% John Jay Myers LIB* 79,872 1.57% 161,463 2.05% David B. -
Fact Findings on Plan H283
Case 5:11-cv-00360-OLG-JES-XR Document 1364 Filed 04/20/17 Page 1 of 151 In the United States District Court for the Western District of Texas SHANNON PEREZ, ET AL. § § v. § SA-11-CV-360 § GREG ABBOTT, ET AL. § FACT FINDINGS – PLAN H283 Before Circuit Judge SMITH, Chief District Judge GARCIA, and District Judge RODRIGUEZ Circuit Judge Smith, dissenting XAVIER RODRIGUEZ, District Judge and ORLANDO L. GARCIA, District Judge: General Fact Findings 1. The Texas House of Representatives has 150 members, each elected in a single-member district. Based on the 2010 U.S. Census, the ideal population size for each House district is 167,637. 2. Key players in charge of drawing and putting together the House map were Burt Solomons, Gerardo Interiano, and Ryan Downton, and to a lesser extent Bonnie Bruce, none of whom had any prior experience with redistricting. Tr995 (Downton). The House mapdrawers were drawing under the supervision of House Redistricting Committee (“HRC”) Chairman Solomons. Id. Speaker Joe Straus and Chairman Solomons were the ultimate decisionmakers on the number of districts in a county and on pairings. TrJ1575 (Interiano). 3. A regular session starts in January and lasts 140 days, and the only bills that can be passed the first 60 days are emergency items designated by the Governor. Tr1558 (Solomons); TrA1085-86 (Hunter). Committee assignments are often not made until February. Tr1558. Hunter testified that there were emergency items that needed attention. TrA1086. He also testified that the budget was hotly contested and there were fifteen sunset bills. Id. 4. -
Campaign Finance 30 Days Before Election Day Spending Since Mid-Year Plus Cash on Hand
Campaign Finance 30 Days Before Election Day Spending since mid-year plus cash on hand Governor Texas House Rick Perry R $13,932,961 1 Stephen Frost D $134,958 Bill White D $13,925,871 George Lavender R $71,969 3 Mark Homer D $224,697 Lieutenant Governor Erwin Cain R $330,577 David Dewhurst R $4,550,536 12 Jim McReynolds D $225,753 Linda Chavez-Thompson D $422,152 James White R $92,746 17 Tim Kleinschmidt R $225,780 Attorney General Pati Jacobs D $86,392 Greg Abbott R $12,099,739 34 Abel Herrero D $215,769 Barbara Ann Radnofsky D $526,963 Connie Scott R $259,385 35 Yvonne Gonzalez Toureilles D $80,685 Comptroller Jose Aliseda R $65,787 Susan Combs R $4,689,324 45 Patrick Rose D $848,003 Jason A. Isaac R $163,192 Land Commissioner 47 Valinda Bolton D $223,017 Jerry Patterson R $882,972 Paul Workman R $194,924 Hector Uribe D $40,299 48 Donna Howard D $279,450 Dan Neil R $68,568 Agriculture Commissioner 50 Mark Strama D $199,085 Todd Staples R $1,297,562 Patrick McGuinness R $50,747 Hank Gilbert D $116,271 52 Diana Maldonado D $261,561 Larry Gonzales R $279,958 Railroad Commissioner 56 Charles Anderson R $118,244 David Porter R $240,479 John Mabry D $35,336 Jeff Weems D $104,462 57 Jim Dunnam D $172,981 Marva Beck R $124,353 State Board of Education 74 Pete Gallego D $147,213 1 Rene Nunez D $1,050 Thomas Kincaid Jr. -
Builders of Tomorrow Alumni List Name (Company Represented) Year Nominated (*) Top Honor in That Category for the Year Nominated
Altrusa International of Richardson Foundation, Inc. Outstanding Women of Today… Builders of Tomorrow Alumni List Name (Company Represented) Year Nominated (*) Top honor in that category for the year nominated CORPORATE/HIGH TECH Allen, Cindy (Texas Instruments) 2006* Anderson, Kari (ViewPoint Bank) 2006 Arianoutsos, Grace (Nortel) 2008 Bates, Suzanne, M.S. (Geo‐Marine, Inc.) 2009 Bedosky, Mary Ryan (ViewPoint Bank) 2010, 2012 Bowman, Kelly (Legacy Texas Bank) 2011 Cash, Judy, M.S.N. (Baylor University Medical Center) 2010 Coco, Mary Pat (Ebby Halliday Realtors) 2011 Crawford, Sally L, J.D. (Jones Day Law Firm) 2011* Davis Fletcher, Tiffany, J.D. (Fannie Mae) 2009 Demers, Lori (Cisco Systems) 2006 Farrell, Pamela (Texas Instruments) 2005* Faulk, Kathy (The Richardson Hotel) 2005 Fayson, Rosie (Comerica Bank) 2005 Ford, Gloria (Doubletree Hotel) 2010 Galvan, Hilda (Jones Day) 2008 Gann, Ann (Verizon Business Global Operation) 2007 Garza, Mary Alice (Geo‐ Marine, Inc.) 2004 Gescheidle, Dana (CB Richard Ellis) 2007* Hardwick Hofmeister, Martha, J.D. (Shackelford, Melton & McKinley, LLP) 2011 Hooker, Jeanne (Atmos Energy) 2012 Kolman, Beth M. (Nortel Networks) 2004* McKee, Patti (Community Credit Union) 2005 Nielson, Julie, M.S. (CommScope) 2009* Person, Carol (Bank of America) 2011 Prasad, Ruchi (Nortel) 2006 Price, Mary M (The Richardson Group) 2004 Prior ‐ Robertson, Marsha (GMI) 2006 Quirk, Kim (Texas Instruments) 2005 Rash, Carolyn (JC Penney Company, Inc.) 2009 Reed, Holly (AT&T) 2008* Reed, Lois (The Dallas Morning News) 2012* Remley, Connie (First Community Bank) 2010 Schoellhorn, Vikki (Seniors Helpers) 2012 Sutterfield, Terri L. (Verizon Services‐ SS7) 2009 Sutton, Marian (Verizon Business) 2011 Tonne, Ginger (American Airlines Center) 2010* Ussery, Camille (ViewPoint Bank) 2009 Warren, Jan J. -
Cumulative Report — Official
Cumulative Report — Official Fort Bend County, Texas OFFICIAL BALLOT — Special and General Election — November 07, 2006 Page 1 of 17 11/14/2006 11:01 AM Total Number of Voters : 100,526 of 265,320 = 37.89% Precincts Reporting 141 of 141 = 100.00% Party Candidate Early Election Total United States Representative District 22 (Unexpired Term), Vote For 1 REP Steve Stockman 1,984 9.68% 3,141 11.42% 5,125 10.68% REP Giannibicego Hoa Tran 407 1.99% 608 2.21% 1,015 2.11% LIB M. Bob Smither 2,842 13.87% 4,704 17.10% 7,546 15.72% REP Don Richardson 1,076 5.25% 1,760 6.40% 2,836 5.91% REP Shelley Sekula Gibbs 14,182 69.21% 17,295 62.87% 31,477 65.58% Cast Votes: 20,491 71.40% 27,508 66.26% 47,999 68.36% Over Votes: 6 0.02% 0 0.00% 6 0.01% Under Votes: 8,201 28.58% 14,010 33.74% 22,211 31.63% Straight Party, Vote For 1 Republican Party 10,164 54.42% 13,392 43.78% 23,556 47.82% Democratic Party 8,386 44.90% 16,874 55.17% 25,260 51.27% Libertarian Party 127 0.68% 321 1.05% 448 0.91% Cast Votes: 18,677 47.26% 30,587 50.14% 49,264 49.01% Over Votes: 1 0.00% 0 0.00% 1 0.00% Under Votes: 20,842 52.74% 30,419 49.86% 51,261 50.99% United States Senator, Vote For 1 REP Kay Bailey Hutchison 24,611 64.22% 32,919 56.34% 57,530 59.46% DEM Barbara Ann Radnofsky 13,186 34.41% 24,408 41.78% 37,594 38.86% LIB Scott Lanier Jameson 527 1.38% 1,097 1.88% 1,624 1.68% Cast Votes: 38,324 96.97% 58,424 95.77% 96,748 96.24% Over Votes: 0 0.00% 0 0.00% 0 0.00% Under Votes: 1,196 3.03% 2,582 4.23% 3,778 3.76% United States Representative, District 9, Vote For 1 DEM Al Green