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Law Journal

Understanding Prepaid Debit Cards – Starting Up The Learning Curve

August 2012

On July 25 the Ohio Poverty Law Center sponsored “Law and Economics of Poverty”, a training for legal aid attorneys in Ohio, at which many of us were introduced to prepaid debit cards as an alternative to conventional banking.  Also referred to as general purpose reloadable prepaid cards (GPR prepaid cards), these cards are relatively […]

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How Student Loan Debt Burdens The Poor

July 2012

The staggering statistics on student loan debt and the accompanying concern over increasing default rates have been making news for some time.  According to the Federal Reserve, in the first quarter of 2012, student loan debt rose to $904 billion, an increase of $64 billion over 2011.  During the year leading up to the end […]

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New Ohio Human Trafficking Law

July 2012

On June 27, 2012, Governor Kasich signed the new Ohio Human Trafficking Law, House Bill 262 (HB 262), after it was passed by the Ohio General Assembly in mid-June.  It becomes law on September 26, 2012. Human trafficking—i.e., trafficking of persons, usually undocumented immigrants and often minors, who are forced into prostitution or slave labor—is a serious and […]

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Governor Kasich Signs New Collateral Sanctions Law

July 2012

On June 26, 2012, Governor Kasich signed Senate Bill 337 (SB 337), which removes, or creates mechanisms for removing, a wide range of so-called “collateral sanctions” against ex-offenders and prisoners who are reentering society.  These collateral consequences create major barriers to prisoner reentry and encourage recidivism by ex-offenders by making it more difficult for ex-offenders to […]

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One Small Step Toward Consumer Protection in the Midterm Budget Review

June 2012

Guaranteed Auto Protection (GAP) and Debt Cancellation Contracts (DCC) recently came to my attention through my involvement with the Ohio Attorney General’s CSPA Advisory Group. These products are sold as protection against coming up short on a consumer loan if something bad happens to the goods. GAP or a DCC is supposed to pay off […]

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Déjà vu All Over Again

June 2012

Will OWF face the same fate as DMA?  Is Ohio setting up OWF for cuts in the next budget? In 2003, enrollment in the state Disability Medical Assistance Program (DMA) was about 32,000 people.  DMA was a state funded program that provided basic medical care for Ohioans who were disabled or dependent on prescription medications […]

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Human Services issues in HB 487, Midterm Budget Review

June 2012

Governor Kasich signed the Midterm Budget Review (MBR) on June 11.  A number of human services issues got a lot of attention during the process, some good and some bad. 1.      Post Sanction Reenrollment into OWF got more difficult RC Section 5107.05 was amended to add stricter requirements to the reenrollment requirements for Ohio Works First […]

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