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2016-06-02T00:00:00.000Z

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Wrong Alex Horowitz?

Mr. Alex Horowitz

Research Manager

The Pew Charitable Trusts

Direct Phone: (202) ***-****       

Email: a***@***.org

The Pew Charitable Trusts

2005 Market Street , Suite 1700

Philadelphia, Pennsylvania 19103

United States

Company Description

The Pew Charitable Trusts (http://www.pewtrusts.org) is driven by the power of knowledge to solve today's most challenging problems. more

Find other employees at this company (1,147)

Background Information

Employment History

Analyst
Peter D. Hart Research Associates , Inc.

Media Relations Coordinator
Florida Marlins

Education

bachelor's degree
sociology
Harvard University

Web References (62 Total References)


Alex Horowitz, the senior ...

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Alex Horowitz, the senior officer of Pew's small-dollar loan project agreed, saying that the longer-term, low interest-rate loans are good, but historically the use of those products is much too small to make a real difference.


CFPB Payday Loan Rules Still Have a Long Way to Go - The Atlantic

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Alex Horowitz, the senior officer of Pew's small-dollar loan project agreed, saying that the longer-term, low interest-rate loans are good, but historically the use of those products is much too small to make a real difference. To be truly effective, he said, regulations would need to accomplish three things for borrowers: lower prices and fees, smaller installment payments, and quicker application processing. The new rules "provide more paperwork for the same 400 percent APR loan," he says. "That's not consumer protection."

...
But Horowitz says that the current version of the payday rules don't provide enough clarity or incentive for those institutions to do so without fear of running afoul of their own regulators.


Google to ban payday lending ads, calling industry 'harmful' - EastBayTimes.com

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Two-thirds of the revenue and loans generated in the industry is done at brick-and-mortar shops, as opposed to online payday loans, said Alex Horowitz, an expert on the payday lending industry at Pew.

"I wouldn't say it's a drop in the bucket, but there's a large part of the industry that will remain unaffected," he said.


What Will Come After Payday Lending? - The Atlantic

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Alex Horowitz, a research manager at the Pew Charitable Trusts, says that on average, two-thirds of the fees payday lenders collect are spent just keeping the lights on. The average storefront serves only 500 customers a year, and employee turnover is ridiculously high. For instance, QC Holdings, a publicly traded nationwide lender, reported that it had to replace approximately 65 percent of its branch-level employees in 2014. "The profits are not extraordinary," Horowitz says.

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"There's been a debate for 20 years about whether to allow payday lending or not," says Pew's Alex Horowitz.


The Credit Line | Prepaid Debit Cards May Augment Bank Accounts

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While that might seem counterintuitive, such consumers use the cards to help manage their money and stick to a budget, said Alex Horowitz, a Pew research manager, in a call about the findings.

In a telephone survey of 613 adults who use prepaid cards at least once a month, 59 percent said they also had a checking account - and those almost always come with a debit card. The finding suggests that many people see the prepaid cards as complementing traditional bank accounts. "They use them to gain control over their finances," Mr. Horowitz said.

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