- Karger, Howard. “Predatory Financial Services: The high cost of being poor in America.” In The Routledge Handbook of Poverty in the United States, pp. 75-82. Routledge, 2014.
- Bethea, Jarryd, and Alex Camardelle. “Building a Beloved Economy: A Baseline and Framework for Building Black Wealth in Atlanta.” Atlanta: Atlanta Wealth Building Initiative, 2023.
- Baradaran, Mehrsa. The color of money: Black banks and the racial wealth gap. Harvard University Press, 2017.
- Ibid.
- Grable, John, Kristy Archuleta, Kimberly Watkins, and Eun Jin Kwak. “To bank or not to bank: describing the banking status of black households.” International Journal of Bank Marketing (2024).
- Beckert, Sven, and Seth Rockman, eds. Slavery’s Capitalism: A New History of American Economic Development. Philadelphia: University of Pennsylvania Press, 2016.
- The Color of Money: Black Banks and the Racial Wealth Gap. Cambridge, MA: Harvard University Press, 2017.
- Massey, Douglas S., and Nancy A. Denton. American Apartheid: Segregation and the Making of the Underclass. Cambridge, MA: Harvard University Press, 1993.
- Immergluck, Dan. Foreclosed: High-Risk Lending, Deregulation, and the Undermining of America’s Mortgage Market. Ithaca: Cornell University Press, 2009.
- “Aetna Inc. Issues an Apology for Slavery Ties.” The New York Times, March 11, 2000. https://www.nytimes.com/2000/03/11/business/aetna-inc-issues-an-apology-for-slavery-ties.html; Johnson, Walter. Soul by Soul: Life Inside the Antebellum Slave Market. Cambridge, MA: Harvard University Press, 1999.
- Baradaran, Mehrsa. The Color of Money: Black Banks and the Racial Wealth Gap. Cambridge, MA: Harvard University Press, 2017.
- Rugh, Jacob S., and Douglas S. Massey. “Racial Segregation and the American Foreclosure Crisis.” American Sociological Review 75, no. 5 (2010): 629–51.
- Kochhar, Rakesh, Richard Fry, and Paul Taylor. “Wealth Gaps Rise to Record Highs Between Whites, Blacks, Hispanics.” Pew Research Center, July 26, 2011. https://www.pewresearch.org/social-trends/2011/07/26/wealth-gaps-rise-to-record-highs-between-whites-blacks-hispanics.
- Servon, Lisa. The Unbanking of America: How the New Middle Class Survives. Boston: Houghton Mifflin Harcourt, 2017.
- Faber, Jacob William. “Segregation and the cost of money: Race, poverty, and the prevalence of alternative financial institutions.” Social Forces 98, no. 2 (2019): 819-848.
- Baradaran, Mehrsa. The Color of Money: Black Banks and the Racial Wealth Gap. Harvard University Press, 2017.
- Bethea, Jarryd, and Alex Camardelle. “Building a Beloved Economy: A Baseline and Framework for Building Black Wealth in Atlanta.” Atlanta: Atlanta Wealth Building Initiative, 2023. https://www.atlantawealthbuilding.org.
- Ibid.
- Servon, Lisa. The Unbanking of America: How the New Middle Class Survives. Boston: Houghton Mifflin Harcourt, 2017.
- Turunen, Elina, and Heikki Hiilamo. “Health effects of indebtedness: a systematic review.” BMC public health 14 (2014): 1-8.
- Sweet, Elizabeth, Christopher W. Kuzawa, and Thomas W. McDade. “Short-term lending: Payday loans as risk factors for anxiety, inflammation and poor health.” SSM-population health 5 (2018): 114-121.
- Federal Reserve Banks. 2021 Report on Employer Firms: Small Business Credit Survey. Washington, D.C.: Federal Reserve Banks, 2021. https://www.fedsmallbusiness.org/survey/2021/report-on-employer-firms.
- Rubin, Julia Sass, ed. Financing low income communities. Russell Sage Foundation, 2007.
- Georgia General Assembly, Georgia Industrial Loan Act, O.C.G.A. § 7-3-1 et seq. (1955).
- North Carolina General Assembly. North Carolina General Statutes § 53-173: Maximum Rates of Interest and Fees for Consumer Loans. Raleigh: North Carolina General Assembly, 2024. https://www.ncleg.gov/Laws/GeneralStatutes.
- FindLaw. “Arkansas Interest Rates Laws.” FindLaw, June 20, 2016. https://www.findlaw.com.
- National Consumer Law Center. “50-State Survey: State Predatory Lending Laws Show Significant Changes.” National Consumer Law Center, June 22, 2022. https://www.nclc.org.
- “Georgia Watch Releases: ‘Making Small-Dollar Lending Safer for Georgians.’” Georgia Watch, 23 Aug. 2018, https://georgiawatch.org/georgia-watches-releases-making-small-dollar-lending-safer-for-georgians/.
- Bethea, Jarryd, and Alex Camardelle. “Building a Beloved Economy: A Baseline and Framework for Building Black Wealth in Atlanta.” Atlanta: Atlanta Wealth Building Initiative, 2023.
