{"id":1173,"date":"2024-02-13T16:45:05","date_gmt":"2024-02-13T21:45:05","guid":{"rendered":"https:\/\/senatedems.com\/anthony\/?page_id=1173"},"modified":"2026-04-23T11:23:38","modified_gmt":"2026-04-23T15:23:38","slug":"citizen-co-sponsor","status":"publish","type":"page","link":"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/","title":{"rendered":"SB 830 Citizen Co-sponsor"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F9F6F2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/senatedems.com\/anthony\/wp-content\/uploads\/sites\/21\/2026\/04\/Anthony_CitizenCo-sponsor.jpg&#8221; alt=&#8221;Join the fight as a Citizen Co-sponsor. Add your name as a supporter&#8221; title_text=&#8221;Anthony_CitizenCo-sponsor&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;35px||35px|||&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1 style=\"text-align: left;\">Senate Bill 830 Citizen Co-sponsor<\/h1>\n<p class=\"x_x_elementToProof\" align=\"center\" style=\"text-align: left;\"><span data-teams=\"true\">As families across Michigan face rising costs for housing, food, and utilities, unexpected expenses can quickly strain household budgets. Too often, existing lending options come with sky\u2011high interest rates and loan structures that make them difficult to pay off, trapping borrowers in cycles of debt. This legislation updates Michigan\u2019s lending laws to better reflect today\u2019s economic realities\u2014preserving access to emergency credit while putting commonsense consumer protections in place so borrowers can repay loans without falling further behind.<\/span><\/p>\n<p class=\"x_x_elementToProof\" align=\"center\" style=\"text-align: left;\"><span data-teams=\"true\"><\/span><\/p>\n<p class=\"x_x_elementToProof\" align=\"center\" style=\"text-align: left;\"><span data-teams=\"true\"><\/span><\/p>\n<h2>What the Bill Does<\/h2>\n<ul>\n<li><strong>Caps interest rates to prevent excessive costs:<\/strong> Sets a 50% APR cap on both traditional payday loans and small\u2011dollar loans, significantly reducing costs compared to current triple\u2011digit rates.<\/li>\n<\/ul>\n<ul>\n<li><strong>Expands access to safer small\u2011dollar loans:<\/strong> Allows loans up to $2,000 with longer repayment periods, making payments more manageable for people facing short\u2011term financial emergencies.<\/li>\n<\/ul>\n<ul>\n<li><strong>Requires lenders to assess ability to repay:<\/strong> Ensures loans are based on documented income and living expenses so borrowers can meet basic needs after paying back the loan.<\/li>\n<\/ul>\n<ul>\n<li><strong>Stops debt traps before they start:<\/strong> Prohibits loan rollovers and requires meaningful principal repayment before a loan can be renewed.<\/li>\n<\/ul>\n<ul>\n<li><strong>Strengthens consumer protections and oversight:<\/strong> Adds an online complaint option through the state regulator and creates a fund to support financial education and literacy programs in local communities.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_text=&#8221;Senate Bill 830&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; button_url=&#8221;https:\/\/www.legislature.mi.gov\/Bills\/Bill?ObjectName=2026-SB-0830&#8243; url_new_window=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;36px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: center\"><\/h3>\n<h3 style=\"text-align: center\"><\/h3>\n<h3 style=\"text-align: center\">Please sign below to become a citizen co-sponsor of my legislation.\u00a0 You can also let us know if you have a story related to payday lending that you would be willing to share with us.<\/h3>\n<p>[\/et_pb_text][et_pb_divider _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][wpforms_selector form_id=&#8221;1166&#8243; module_id=&#8221;form&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/wpforms_selector][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Senate Bill 830 Citizen Co-sponsor As families across Michigan face rising costs for housing, food, and utilities, unexpected expenses can quickly strain household budgets. Too often, existing lending options come [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2779,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","twitterCardType":"","cardImageID":0,"cardImage":"","cardTitle":"","cardDesc":"","cardImageAlt":"","cardPlayer":"","cardPlayerWidth":0,"cardPlayerHeight":0,"cardPlayerStream":"","cardPlayerCodec":"","footnotes":""},"class_list":["post-1173","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SB 830 Citizen Co-sponsor - Senator Sarah Anthony<\/title>\n<meta name=\"description\" content=\"Citizen Co-Sponsor\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SB 830 Citizen Co-sponsor\" \/>\n<meta property=\"og:description\" content=\"Citizen Co-Sponsor\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/\" \/>\n<meta property=\"og:site_name\" content=\"Senator Sarah Anthony\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-23T15:23:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/senatedems.com\/anthony\/wp-content\/uploads\/sites\/21\/2026\/04\/Anthony_CitizenCo-sponsor.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2548\" \/>\n\t<meta property=\"og:image:height\" content=\"781\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/\",\"url\":\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/\",\"name\":\"SB 830 Citizen Co-sponsor - Senator Sarah Anthony\",\"isPartOf\":{\"@id\":\"https:\/\/senatedems.com\/anthony\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/senatedems.com\/anthony\/wp-content\/uploads\/sites\/21\/2026\/04\/Anthony_CitizenCo-sponsor.jpg\",\"datePublished\":\"2024-02-13T21:45:05+00:00\",\"dateModified\":\"2026-04-23T15:23:38+00:00\",\"description\":\"Citizen Co-Sponsor\",\"breadcrumb\":{\"@id\":\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/senatedems.com\/anthony\/citizen-co-sponsor\/#primaryimage\",\"url\":\"https:\/\/senatedems.com\/anthony\/wp-content\/uploads\/sites\/21\/2026\/04\/Anthony_CitizenCo-sponsor.jpg\",\"contentUrl\":\"https:\/\/senatedems.com\/anthony\/wp-content\/uploads\/sites\/21\/2026\/04\/Anthony_CitizenCo-sponsor.jpg\",\"width\":2548,\"height\":781,\"caption\":\"Join the fight as a Citizen Co-sponsor. 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