Latino Credit Card Use Debt Trap or Ticket to Prosperity

Issue Brief

Moving Latino families into the ranks of the American middle class will undoubtedly entail more Hispanic workers having access to and using credit cards. It is imperative that policy-makers and experts have a better understanding of the Latino experience and perspective if effective policies are to be developed and implemented. Accordingly, this issue brief examines how the structure of the market and credit card industry policies and practices impact Hispanic access to affordable credit and the lack of regulatory oversight in the market. Finally, the brief will provide policy recommendations for empowering and protecting Hispanic consumers.


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