• Payday lenders in Rhode Island exploit a legal loophole to charge exorbitant interest rates, trapping borrowers in a cycle of debt.
• These loans, often used for basic necessities, carry triple-digit APRs, leading to devastating financial consequences for vulnerable families.
• While other states have banned or regulated payday lending, Rhode Island has yet to take action.

As Rhode Islanders struggle to make ends meet in an increasingly uncertain economy, one threat continues to fly under the radar while quietly wreaking havoc on our communities ‒ payday lending. These predatory loan shops, with their bright signage and promises of fast cash, lure in the most vulnerable among us with what looks like a lifeline, but is in truth a trap. It’s time for our state to close this loophole once and for all.

Payday lenders advertise themselves as providers of quick financial help, especially for those with low incomes or bad credit, but the reality is far more sinister. These loans come with triple-digit annual percentage rates, sometimes over 260%, that trap borrowers in a vicious cycle of debt. In Rhode Island, unlike in many other states, these practices are still legal because of a carve-out in our state’s usury laws. That means payday lenders can charge exorbitant interest rates that would be illegal for any other lender.

The consequences are devastating. Borrowers often take out a loan to cover basic needs ‒ rent, groceries, medical bills ‒ only to find that when the loan comes due, they can’t pay it back, so they take out another loan. And then another. What started as a $300 loan can spiral into thousands of dollars of debt, causing long-term financial harm. For families already living paycheck to paycheck, this cycle can lead to eviction, bankruptcy, or worse.

Make no mistake, the storefronts you see in our neighborhoods are just the beginning. The payday lending industry has expanded online, using apps and digital platforms to reach deeper into communities and continue exploiting those who are struggling. In an economy where inflation remains high and wages stagnant for many, people are more desperate than ever, and the lenders know it.

We cannot allow this to continue. Rhode Island has the opportunity and the moral obligation to step up and protect its residents. More than a dozen states, from New York to Colorado, have already banned or tightly regulated payday lending. These reforms work. After these protections went into place, research shows that borrowers saved hundreds of millions of dollars, with no decrease in access to credit ‒ just an end to exploitative lending.

There is no justifiable reason for us to delay any longer. We need legislation like the bill (H5042) that I introduced that ends the payday loan loophole and caps interest rates at a reasonable level, just like we do for other lenders. We must also invest in safer, community-based financial alternatives ‒ credit unions, small-dollar loan programs and emergency assistance ‒ so that people facing tough times aren’t forced into debt traps to begin with.

Let’s be clear, this is about economic justice. It’s about saying that Rhode Island values people over profit. We must close the payday lending loophole and protect our communities from financial predators. The time for action is now.

Rep. Karen Alzate, a Democrat, represents District 60 in Pawtucket and Central Falls.

Gay marriage, once an unpopular concept nationwide, is widely accepted in Vermont today.

“People take for granted that same-sex couples can get married nowadays,” said Bill Lippert, 75, one of Vermont’s first openly gay lawmakers. “You can reference your husband or wife casually now in conversation. But if you weren’t around 25 years ago, there isn’t always an appreciation for how hard we had to fight.”

April 26 marks the 25th anniversary of civil unions – marriage for same-sex couples in all but name – becoming state law. Although civil unions were deeply controversial even among Vermonters at the time, they served as the first pivotal step toward full marriage equality, Lippert said.  

In 2000, Vermont became the first place in the world to grant marriage-equivalent legal rights to same-sex couples. Domestic partnerships existed in some places, but those unions “usually only granted a few legal rights,” Lippert said.

“The eyes of the whole country and world were focused on what Vermont was doing in 2000,” said Lippert, who helped craft the civil unions bill while serving on the house judiciary committee.

Three years later Massachusetts became the first state to legalize gay marriage, followed by Connecticut and Iowa in 2008. Vermont followed suit in 2009. Several more states legalized same-sex marriage before U.S Supreme Court finally made it nationwide law in 2015 through the Obergefell v. Hodges case.  

“One can see the direct connection between what Vermont did in 2000 with civil unions to what followed in Massachusetts and eventually with Obergefell in 2015,” Lippert said.

Life before civil unions

Prior to the creation of civil unions, gay and lesbian couples lacked “a thousand more rights” than married straight couples, Lippert said, no matter how long they had been together.

For instance, if one partner in a same-sex relationship was in hospital, the other partner did not automatically have the power of attorney.

“That was one of the most painful ones,” Lippert said.

Lippert recalled one particularly egregious case that happened to a lesbian couple with a child. When the partner who had given birth to the child died in a car crash, her parents fought for custody even though the two women had been raising the kid together.

“The list goes on and on,” Lippert said.

Although Vermont eventually established “second parent adoption” in 1993, there still wasn’t a “legal connection between partners,” Lippert noted.

“That side of the triangle was missing,” he said.

The road to civil unions: ‘The Baker Case’

In the late 90s, three lawyers and three same-sex couples decided it was time to test Vermont’s marriage laws.

In 1998, three Vermont same-sex couples applied for marriage licenses in Chittenden County. When their marriages were denied, they filed a lawsuit that became known as Baker v. Vermont, or informally ‘the Baker Case,’ after the last name of one of the plaintiffs. A Vermont Superior Court judge ruled to dismiss the case, so the plaintiffs made an appeal to the Vermont Supreme Court.

What the Vermont Supreme Court did next shocked everyone. Instead of either legalizing gay marriage or striking down the case, the justices ruled in 1999 that same-sex couples should be afforded all the same legal rights as heterosexual couples but left it up to the Vermont legislature whether to grant gay couples the ability to marry or form an equivalent union.

“Personally, I was shocked because I had been assured by the attorneys fighting for gay marriage that we would never have to vote on it in the legislature,” Lippert said. “Many of my colleagues were, frankly, beyond anxious – terrified – because they never wanted to deal with the issue because it was so controversial.”

At the time, some states were changing their constitutions to outlaw gay marriage. The Defense of Marriage Act also went into effect two years prior. In Vermont specifically, only 20% of residents supported gay marriage.

Gay marriage “was not a popular proposal,” Lippert recalled. “It was hotly condemned and fought against by major religious groups as an affront to their religious sacraments.” One of their main fears was that churches would be forced to marry gay couples.

‘Separate but equal’

The Vermont legislature was already in mid-session when the court dropped the issue of gay marriage in their laps. The house judicial committee, where Lippert served as vice chair, was tasked with writing the bill that would grant gay couples the right to marry or to form an equivalent union.

After listening to weeks of testimony from supporters and opponents of gay marriage, the committee voted to create a “parallel legal structure,” which they named civil unions, Lippert said.

“It was very disappointing for the attorneys and advocates, but it was clear that we did not have the votes to create full marriage for same-sex couples,” said Lippert, who was among the three committee members to vote for gay marriage.

Some gay marriage advocates at the time found the idea of civil unions insulting and akin to the concept of “Separate but equal.”

Some activists said civil unions were like “having to sit on the back of the bus” and refused to support the bill, Lippert said. “Others said, ‘At least we’re on the bus.’”

The lawsuit plaintiffs and their attorneys decided “it was better to pass something achievable than pass something that would fail and then get nothing,” Lippert said.

Victory uncertain

On the day house reps were scheduled to vote, Lippert and his committee members weren’t sure if they had enough support to pass civil unions in house. Some representatives wouldn’t share their plans, while others kept saying they “needed more information” before they could decide which way to vote.

For some representatives, a “yes” vote guaranteed they would lose their seats in either the primary or general elections later that year.

“Until the roll call, none of us knew we were going to win,” said Lippert. “It would have taken a few votes to switch and we would have lost.”

After 12 hours of debate and testimony that day, the Vermont house voted 76-69 to pass the civil unions bill.

Lippert primarily attributed the win to “courageous” gay Vermonters, loved ones and other advocates who shared personal stories throughout the bill process. Some gay people even came out publicly for the first time to throw their support behind the bill.

Lippert also thinks the “hateful phone calls and letters” legislators received made them realize why civil unions were necessary.

“They saw why we needed this,” Lippert said. “That if this is the level of prejudice and hatefulness that comes at me, what must it be like for gay people? The hate backfired.”

Once civil unions passed the house, it was much smoother sailing for gay advocates. The senate, which had a higher percentage of Democrats than the house, passed civil unions 19-11.

Gov. Howard Dean, who already voiced his approval of civil unions, signed the bill into law soon after – albeit behind closed doors and without fanfare.

“He said publicly that marriage for same-sex couples made him uncomfortable” but that he could back civil unions, Lippert remembered. Even still, Dean’s support was “crucial.”

“If he hadn’t been willing to say he would sign the bill, I don’t think we would have passed it,” Lippert said. “People wouldn’t have risked voting for it.”

The aftermath

Later that year, 17 legislators who voted for civil unions in April 2000 lost their seats to opponents who promised to help repeal the institution. Dean, who had to wear a bulletproof vest during his gubernatorial campaign, also faced an ardent anti-civil unions challenger.

“It’s hard to explain the level of controversy and some of the hatefulness directed at the governor and lawmakers,” Lippert said.

The following session, the now more conservative house managed to repeal civil unions by one vote, but the effort died in the senate.

Between 2000 and 2009, thousands of gay couples from other states and nations traveled to Vermont to enter civil unions. They wanted legal recognition of their relationship somewhere even if their home state or country wouldn’t respect it, Lippert said.

“At the time, I would have been happy to have settled the case in court,” Lippert said. “But looking back, I think it would have garnered greater backlash if the court had granted gay marriage or an equivalent institution directly.”

That’s what happened in Hawaii. In 1996, the Hawaiian Supreme Court ruled that it was unconstitutional to deny marriage to same-sex couples. An enormous public backlash ensued, and by 1998, Hawaiians had changed their state constitution to outlaw gay marriage.

Amending Vermont’s constitution wouldn’t have been as easy – it takes multiple years versus only one in Hawaii – but there definitely were some lawmakers who wanted to, Lippert said. Such an amendment never got off the ground, however.

“My view is civil unions was a historic step for civil marriage for same-sex couples,” Lippert said. “Saying that full marriage equality was important does not take away from civil unions moving us to marriage equality in a profound way.”

Lippert and his spouse eventually entered a civil union themselves. They then got married once Vermont legalized what Lippert now calls “full marriage equality.”  

An illegal immigrant in Maryland was charged with murdering his girlfriend after her body was found in a forest outside of Washington, D.C.

The Charles County Sheriff’s Office in Maryland announced Monday that 24-year-old Keycy Robinson Alexi Barrera-Rosa was charged with murder in the killing of his girlfriend, Lesbia Mileth Ramirez Guerra, 23, who was reported missing on March 31. Rosa’s uncle, Rolvin Eduardo Barrera-Barrera, 37, was charged as an accessory.

Deputies said Guerra’s body was found on April 17 in a “heavily wooded area” of the forest just outside of Cedarville State Forest in Prince George’s County, Maryland. Her body was found buried, the officials added.

Guerra was the mother to two young children, officials said.

BOYFRIEND OF MISSING WOMAN DETAINED BY ICE AMID INVESTIGATION INTO HER DISAPPEARANCE: POLICE

U.S. Immigration and Customs Enforcement (ICE) said its agents arrested Barrera-Rosa on April 5 in La Plata, Maryland, saying he entered the country illegally and is originally from Guatemala.

According to immigration officials, Barrera-Rosa and Barrera-Barrera were apprehended on April 10, 2019, near El Paso, Texas. They were served notices to appear before a Department of Justice immigration judge at the time.

ICE placed an immigration detainer on Barrera-Barrera with the Charles County Detention Center after he was arrested.

DISTURBING CONTENT WARNING: ILLEGAL ACCUSED OF KILLING GEORGIA GRANDMOTHER FACES NEW DISTURBING CHARGES

Rolvin Eduardo Barrera-Barrera was charged as an accessory. (Charles County Sheriff’s Office)

ICE said Barrera-Rosa is being held by the agency at its Farmville Detention Center in Farmville, Virginia, while he awaits extradition to the Charles County Detention Center for the murder charge.

According to FOX 5, the sheriff’s office found suspicious and unusual activity at Guerra’s home just one day after she was last seen. During their investigation, authorities found fake federal documents belonging to Barrera-Rosa.

Vernon Liggins, ICE Baltimore acting field office director, said this “marks a significant step toward justice.”

“This heinous crime not only devastated a community but also reinforced the urgent need to prioritize public safety by identifying, arresting, and removing egregious illegal aliens who threaten our neighborhoods. ICE will continue to work tirelessly, side by side with our law enforcement partners, to safeguard our communities and uphold the rule of law,” Liggins said.

Lesbia Mileth Ramirez Guerra was found dead in a heavily wooded forest. (Charles County Sheriff’s Office)

Charles County Sheriff Troy D. Berry said in a statement, “While this was not the ending that we all hoped for, I am grateful to all those who worked so hard to find Ms. Guerra. On behalf of the Charles County Sheriff’s Office, I offer our most sincere condolences to all of her family and friends.”

The illegal immigration issue has been a flash point in Maryland recently. 

Sen. Chris Van Hollen, D-Md., drew criticism for flying to El Salvador last week to defend Kilmar Abrego Garcia – an alleged illegal immigrant and MS-13 gang member who was deported. Reps. Robert Garcia of California, Maxwell Frost of Florida, Yassamin Ansari of Arizona and Maxine Dexter of Oregon then flew to El Salvador on Monday to support Garcia.

Patty Morin, whose daughter Rachel Morin was killed in Maryland by an illegal immigrant from El Salvador in 2023, called the visits “despicable.”

“They would rather champion his cause, a criminal, than the victim,” she told Fox News Digital. “Americans, and especially Marylanders, are outraged.”